Search found 82 matches

by yosh99
Thu Oct 05, 2017 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Starting a Business While Working
Replies: 5
Views: 733

Re: Starting a Business While Working

Do you have an employment contract? Non-compete agreement? Does your employer have a conflict of interest policy? What do you expect your employer's management's personal reaction to be? My experience is that the effect of a vengeful senior manager who makes it personal is far greater than any speci...
by yosh99
Mon Jul 10, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: When should my wife and I take our social security?
Replies: 25
Views: 3003

Re: When should my wife and I take our social security?

My wife is also one year younger than I. Our plan is for her to claim her SS benefit at 66 and I'll claim the spousal benefit which is half of that. I'll claim my SS benefit when I'm 70 and she'll claim half of that.
by yosh99
Sun Jul 09, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Potential problems in quitting job to start new business
Replies: 4
Views: 381

Re: Potential problems in quitting job to start new business

Do you have an employment agreement? Does it have non-competition clauses? You need to talk with an employment attorney to find out what your rights and obligations are. It is VERY important to have legal advice throughout the whole process of starting a small business. Unfortunately, the problem is...
by yosh99
Mon May 15, 2017 9:22 pm
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult? 8 Month Update
Replies: 165
Views: 19221

Re: Learning an instrument as an adult? Almost Five Month Update

So almost five months now since I decided to tackle the violin. I'm finding a handful of notes are sounding a little nicer. This is primarily true on notes where I have third finger down, which I believe is one octave above the prior open string. I'm finding that I get a bit of sympathetic vibratio...
by yosh99
Fri May 05, 2017 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Small Company Retirement Plan Options
Replies: 5
Views: 620

Re: Small Company Retirement Plan Options

I have four employees and contribute to all of our SEP IRA's each year. It's expensive, in that they have to get the same percentage I give myself, but they are worth it. It's simple and costs me nothing in management fees.
by yosh99
Wed Apr 19, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: How to make best use of lunch with the company president/CEO?
Replies: 55
Views: 6280

Re: How to make best use of lunch with the company president/CEO?

I think much depends on the size of your company. If this is a large multinational corporation the likelihood the CEO cares much about your opinions or even the long term success of the company is small. You have nothing to gain by this lunch. On the other hand if this a small company and the CEO is...
by yosh99
Wed Apr 05, 2017 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Good way to value a wedding dress for taxes?
Replies: 13
Views: 1383

Re: Good way to value a wedding dress for taxes?

I value things by what I'd expect to sell them for at a garage sale. $21 for a wedding dress sounds about right.
by yosh99
Tue Apr 04, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 10405

Re: What career helped you become wealthy?

I'm not close to being wealthy by most people's standards, but I really don't need any more money than I have so I'm satisfied. I worked for a corporation for 29 years and left to start my own business 15 years ago doing essentially the same thing. The change from working for someone else to working...
by yosh99
Fri Mar 24, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Car Dealer Forgot to Charge Sales Tax - Ouch
Replies: 39
Views: 4877

Re: Car Dealer Forgot to Charge Sales Tax - Ouch

This exact thing happened to me several years ago at a Volkswagen dealer in Mankato, MN. I pointed out to the car salesman that he had not included the sales tax in the final invoice and he said they'd pay it, that it was part of the deal. Then a few days later an upset sales manager calls to say th...
by yosh99
Sun Mar 19, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Investing Options for Small Business Owner
Replies: 5
Views: 339

Re: Retirement Investing Options for Small Business Owner

I own a small business with 4 employees. I pay myself enough to maximize my SEP IRA and gladly contribute to my employee's SEP IRA's (~25%) which they appreciate. Without them, I would have no business.
by yosh99
Sat Mar 04, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: Starting a company for first time at age 50
Replies: 14
Views: 1629

Re: Starting a company for first time at age 50

I left my corporate job 15 years ago, at the age of 50, to start my own business. Things turned out well and I have never regretted my decision although it was a very difficult move for me to make. There are two things I'd recommend. First, do not take on a partner and second, find a CPA with lots o...
by yosh99
Tue Jan 17, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Vacationing in Florida (Advice Requested)
Replies: 22
Views: 2122

Re: Vacationing in Florida (Advice Requested)

I think your best bet while you're at the Hilton is the hotel pool. It will be much more comfortable than the Gulf. There isn't a great deal to do in downtown St. Pete although you're not too far from St. Pete Beach. I would suggest checking out on Wednesday and going somewhere else such as Clearwa...
by yosh99
Sun Jan 15, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Berlin upon retiring. Please critique my plan.
Replies: 17
Views: 2150

Re: Relocating to Berlin upon retiring. Please critique my plan.

I love Germany myself and traveled there many times for work. Your idea of retiring in Berlin is intriguing. I can't help you with your questions, but I'd like to add a couple more that others can comment on. For some unexplained reason, Medicare won't cover anything outside of the US. How do plan o...
by yosh99
Sun Jan 08, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Bedroom is colder than rest of house. Radiator heating question.
Replies: 70
Views: 4277

Re: Bedroom is colder than rest of house. Radiator heating question.

Does your system have a circulation pump? You might try rewiring the system so the pump runs all the time, not just when the boiler is heating. This circulates the water all the time which tends to transfer heat from hotter areas to colder areas so the overall temperature is more uniform. The boile...
by yosh99
Sat Jan 07, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: Bedroom is colder than rest of house. Radiator heating question.
Replies: 70
Views: 4277

Re: Bedroom is colder than rest of house. Radiator heating question.

Does your system have a circulation pump? You might try rewiring the system so the pump runs all the time, not just when the boiler is heating. This circulates the water all the time which tends to transfer heat from hotter areas to colder areas so the overall temperature is more uniform.
by yosh99
Wed Jan 04, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult? 8 Month Update
Replies: 165
Views: 19221

Re: Learning an instrument as an adult?

I've already started practicing on the violin, found a teacher, and am having my best go. I'm no longer that interested in why this will be difficult, take a long time to not stink, etc. I view this the same way...long view, patience, perseverance. It's served me well so far in life, let's see how ...
by yosh99
Sun Oct 09, 2016 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Medicare application
Replies: 6
Views: 737

Help with Medicare application

My wife turns 65 in mid-January next year and today filled out an on-line SS benefit and Medicare application. When asked when she wanted the "Retirement Benefits" to start, she entered Feb 1 because that's after her 65 birthday and the SS optimizer we used specified this day to start regu...
by yosh99
Fri Sep 23, 2016 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Intuit Quickbooks for Mac
Replies: 11
Views: 1776

Re: Intuit Quickbooks for Mac

Intuit's support of QB for Mac, or anything for that matter, is almost nonexistent. I use QB for PC's by running Parallels on my Mac and it works just fine. The PC version is much more feature rich. You have to be careful with the online version of QB because it is missing many of the PC features, l...
by yosh99
Sat Aug 20, 2016 12:01 pm
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 146
Views: 18182

Re: Best Crossover SUV to purchase

I've owned a 2015 Jeep Cherokee for a year now and you should at least consider it. I readily admit that it's not the most attractive vehicle and the transmission is vulnerable to glitches and failure. With this aside, what makes it relevant to this discussion is that nearly all of the poster's requ...
by yosh99
Tue May 03, 2016 5:47 pm
Forum: Personal Consumer Issues
Topic: Siesta Key later this month -recommendations
Replies: 16
Views: 1974

Re: Siesta Key later this month -recommendations

munemaker wrote:We were in that area just a few weeks ago.

No recommendations on a restaurant, but we did enjoy walking through Marie Selby Botanical Gardens during our stay. It is an outdoor walk, so consider the weather if you would decide to go.

http://selby.org/visit/hours-admissions/


Yes. Highly recommended.
by yosh99
Sun May 01, 2016 11:04 am
Forum: Personal Consumer Issues
Topic: anyone with experience with car with frontal collision alert?
Replies: 32
Views: 2341

Re: anyone with experience with car with frontal collision alert?

BCC wrote:
We don't have collision protection on this car, but we think it may not have stopped the car in time in this instance.

- BCC


I think the collision protection systems reach much faster than a person.
by yosh99
Sun May 01, 2016 11:03 am
Forum: Personal Consumer Issues
Topic: anyone with experience with car with frontal collision alert?
Replies: 32
Views: 2341

Re: anyone with experience with car with frontal collision alert?

I have a '15 Jeep Cherokee with front and back collision protection. The system works very well, but can be overly sensitive some times. One of the things it takes into consideration is speed. If I back up toward an obstacle too quickly, it will kick in and beep with alarms. If I continue, it will b...
by yosh99
Sun Apr 24, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: Thinking about Mac (vs Windows)
Replies: 66
Views: 8036

Re: Thinking about Mac (vs Windows)

I have often thought about switching to a Mac, but I have one big stumbling block. If anyone out there can "show me the light", I will make the leap. Here's the issue: Photography is my hobby. I've been taking photos for many, many years. I now have over 100,000 photos in my collection. O...
by yosh99
Sat Jan 30, 2016 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 102
Views: 9291

Re: Public school or private school (with school data)

Remember that the good data for the private school is somewhat skewed because students that don't live up to their high expectations are systematically eliminated. It's like if the students weren't able to get those kinds of scores or get into those kinds of colleges, they wouldn't be there anyway.
by yosh99
Tue Dec 22, 2015 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should I switch to Quickbooks?
Replies: 11
Views: 1078

Re: Should I switch to Quickbooks?

I’ve just been on the phone with Intuit for over an hour trying to purchase Quickbooks Online. I had some simple questions. Each question required that I be put on hold while they researched the question. While on hold, I researched the question on the internet. When they came back, they gave me an...
by yosh99
Tue Nov 17, 2015 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance
Replies: 53
Views: 6109

Re: Dental Insurance

Where are all of you getting these numbers? In Minnesota, the Delta Dental plans have premiums roughly the same as the maximum yearly payment ($87/month, 50% copay and $1200 max/year for two people). They make no sense. The difference between large corporate group plans and individual plans is huge....
by yosh99
Sun Nov 15, 2015 12:50 pm
Forum: Personal Consumer Issues
Topic: Jeep Cherokee Limited vs Acura RDX
Replies: 16
Views: 2751

Re: Jeep Cherokee Limited vs Acura RDX

As an owner of a '15 Cherokee Limited my recommendation would be to go with the Acura. I did a lot of research and picked the Jeep because it offers amenities and ride that cost nearly $10,000 more in comparable vehicles, including the Acura. The Jeep really stands out as a good value in this regard...
by yosh99
Sat Nov 07, 2015 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution limits - family or single?
Replies: 1
Views: 377

HSA contribution limits - family or single?

I'll be on medicare starting Jan 1 next year, but my wife will not. She will have the option of a company sponsored HSA eligible health insurance plan. If we contribute to an HSA, do the two of us comply with the definition of a family and can we contribute the family maximum?
by yosh99
Tue Nov 03, 2015 8:45 pm
Forum: Personal Consumer Issues
Topic: Whisky Recommendations
Replies: 109
Views: 12950

Re: Whisky Recommendations

During my whisky explorations I tried many of the scotch's, bourbons, Irish and the rest. The one I've settled on and drink the most is Bulliet's Rye Whiskey. Cheap and tasty. I think it goes best with just a splash of water.
by yosh99
Thu Oct 01, 2015 10:19 am
Forum: Personal Finance (Not Investing)
Topic: How to keep track of billable hours as a consultant?
Replies: 24
Views: 2249

Re: How to keep track of billable hours as a consultant?

If you want to track time by project and task, you might look at Teamwork.com. Our group uses it for project tracking and billing. It's designed for larger organizations than one, but it's very easy to setup and use, and it's priced by number of users so it's affordable for one person.
by yosh99
Thu Sep 03, 2015 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Inventions
Replies: 8
Views: 1032

Re: Inventions

I write and enforce patents for a living. In general, the part-time individual inventor has little chance of competing with teams of company scientists/engineers that A) know the field inside and out, and B) spend 40+ hours a week focused on trying to come up with things to make their product a few...
by yosh99
Thu Aug 27, 2015 11:27 am
Forum: Investing - Theory, News & General
Topic: Effect of Target Fund Balancing with Wild Swings
Replies: 1
Views: 755

Effect of Target Fund Balancing with Wild Swings

If I own a Target Retirement Fund that's a blend of stocks and bonds it rebalances every day, right? So if the market drops a 1,000 points in one day, it will buy stocks to rebalance. Then if it goes up a 1,000 points the next day, it will sell stocks to rebalance. If so, then haven't I just bought ...
by yosh99
Sun Aug 23, 2015 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Having Trouble Deciding on Health Insurance
Replies: 9
Views: 1307

Re: Having Trouble Deciding on Health Insurance

Relax. You shouldn't anguish so much over choosing one of these plans. You can't really predict your future medical needs and won't know whether taking the high deductible risk paid off until the year is over anyway. These are extremely generous plans (for example, my megacorp plan is $650/month for...
by yosh99
Wed Jul 29, 2015 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Who are you able to share good financial news with?
Replies: 103
Views: 11191

Re: Who are you able to share good financial news with?

Interesting you brought this up. I started my own business at the age of 50 and just last week, at the age of 64, I had an outstanding week of work. Largest client signing up for another three years, etc. and I had the strongest urge to call my parents, but they are deceased. There is no substitute ...
by yosh99
Tue Jul 21, 2015 12:45 pm
Forum: Personal Consumer Issues
Topic: Medical insurance policies ? ACA or the market ?
Replies: 28
Views: 2651

Re: Medical insurance policies ? ACA or the market ?

The new law changed the market. PJW In what ways? It caused price to go up for sure, but brought about other good for consumer changes as well. From what I am seeing however it is pushing the industry towards high deductible plans. Mine and my wife's employer now only offer high deductible plans. M...
by yosh99
Sat Jun 20, 2015 10:17 am
Forum: Personal Finance (Not Investing)
Topic: is it better to work for small company rather than big firm?
Replies: 36
Views: 6439

Re: is it better to work for small company rather than big firm?

No employer today is going to deliberately eliminate their workforce over the age of 50. May I borrow your rose-colored glasses. Companies do this all the time, because older workers are higher paid. Nowadays few companies care about the quality of the work they produce. Just look at the rubbish pr...
by yosh99
Mon Jun 01, 2015 11:54 am
Forum: Personal Consumer Issues
Topic: Best way to learn tennis for adult
Replies: 29
Views: 4077

Re: Best way to learn tennis for adult

I started playing tennis last year. I had some racket sport experience earlier (table tennis and badminton), so it didn't feel completely wierd. I asked the good folks on this forum for tennis racket advice, signed up for private lessons, and after a couple of months I joined the local tennis leagu...
by yosh99
Fri May 29, 2015 2:40 pm
Forum: Personal Consumer Issues
Topic: Best way to learn tennis for adult
Replies: 29
Views: 4077

Re: Best way to learn tennis for adult

I was 46 the first time I picked up a racket and started with lessons from a local pro. Now, at 64, I've developed a whole social network around the game and play three times a week. It's one of the few sports you can play as an adult where you compete against another one on one; where you have to r...
by yosh99
Wed May 20, 2015 10:11 pm
Forum: Personal Consumer Issues
Topic: Lexus vs. MB vs. BMW
Replies: 80
Views: 16657

Re: Lexus vs. MB vs. BMW

Hypersion wrote:Some BMW have decent reliability, but unfortunately the X5 is on the worst of the worst list for consumer reports.


Where do you get this from? Checking comsumerreports.org, the X5 gets outstanding reliability ratings for the last several years.
by yosh99
Sat Apr 25, 2015 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes are killing me
Replies: 21
Views: 3797

Re: Taxes are killing me

Ex-Minnesota Twin Kirby Puckett once said, "If I'm paying so much in taxes, I must be doing pretty well."

Paying taxes isn't "killing you". There are worse maladies.
by yosh99
Sat Mar 28, 2015 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Smartest Financial Move You Ever Made
Replies: 139
Views: 18444

Re: Smartest Financial Move You Ever Made

Quitting my corporate job after 30 years to start my own business has turned out to be the best financial decision I've ever made. It was also the most risky.
by yosh99
Wed Mar 18, 2015 10:25 pm
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 87
Views: 10280

Re: Laptop: Windows based vs. Apple

Two things nobody mentioned here are: Mac doesn't have malware, so far, but won't run some programs. You cannot install TurboTax on Mac. You have to run it on web and Apple is getting your personal information. Some photo enhancing programs only available on PC. A niche program that can convert pdf...
by yosh99
Wed Mar 18, 2015 10:22 pm
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 87
Views: 10280

Re: Laptop: Windows based vs. Apple

Discussion threads where Windows users are contemplating a switch to the Mac environment are common. I don't ever remember seeing one from a Mac user thinking about moving to Windows.
by yosh99
Mon Mar 16, 2015 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Starting a New Business with a Partner - Setup Questions
Replies: 11
Views: 1134

Re: Starting a New Business with a Partner - Setup Questions

I'm neither a lawyer nor accountant but I've learned the hard way that you must try to anticipate everything that can go wrong with a partnership and then clearly document how you will handle it. It's helpful to assume that the partner you trust today will change for some reason and stab you in the ...
by yosh99
Mon Feb 16, 2015 11:31 am
Forum: Personal Consumer Issues
Topic: What 3 MATERIAL things would you take with you?
Replies: 34
Views: 2525

Re: What 3 MATERIAL things would you take with you?

My fiddle, bow, and rosin.
by yosh99
Fri Jan 30, 2015 1:35 pm
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 89
Views: 7461

Re: Mac reliability?

Over the past decade I've owned both and didn't notice any difference. I now stick to PCs because some of the programs I need for work don't run on MACs and the cost difference for comparable performing machines. You can run Windows and Windows apps on your Mac side-by-side with Mac applications. Y...
by yosh99
Wed Sep 10, 2014 10:56 pm
Forum: Personal Consumer Issues
Topic: BMW X3 vs Mercedes GLK350
Replies: 33
Views: 8452

Re: BMW X3 vs Mercedes GLK350

I went through a similar process earlier this year and was very seriously considering the X3. At the time I had a 328xi that I enjoyed very much but wanted to trade it in for a SUV. In the end I decided on the new Jeep Cherokee. I was surprised to find it had more "luxury" features and tec...
by yosh99
Tue Sep 02, 2014 10:52 am
Forum: Personal Consumer Issues
Topic: Paper or plastic?
Replies: 63
Views: 4480

Re: Paper or plastic?

They are also made from petrochemicals. So there's another bad thing: increasing demand for oil, ... No one drills and refines oil to make plastic bags, or even petrochemicals. The driver is gasoline and home heating oil while petrochemicals are largely byproducts, and very useful ones at that. Inc...
by yosh99
Mon Jul 28, 2014 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Does severance pay reduce or relace unemployment benefits?
Replies: 52
Views: 14140

Re: Does severance pay reduce or relace unemployment benefit

My wife was laid off today and granted 7 weeks of severance pay at her current salary paid bi-weekly. I went to the State unemployment claim web site and they indicated..... Vacation, Severance, Pension or 401(k) If you received vacation, severance, pension, 401(k), or some other form of payment fr...
by yosh99
Sun Jul 20, 2014 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on buy vs lease of commercial space
Replies: 3
Views: 541

Seeking advice on buy vs lease of commercial space

I’d appreciate any comments and insight into how to analyze a buy versus lease for a commercial building. My small business needs more room and a space with more “curb appeal” than our existing leased facility. We’ve looked at several suitable spaces in the 10,000 sq. ft. range that would cost about...