Search found 134 matches

by yosh99
Tue Mar 10, 2020 11:27 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 183784

Re: Bogleheads community discussion - Coronavirus

I see a lot of theories in the media, from a lot of "experts". I'm very skeptical. I think the theory that it was circulating world-wide for a long time is just as likely to be true as the theory that it "broke out" in China. Maybe they were just the first to identify it, and the illnesses and deat...
by yosh99
Tue Mar 10, 2020 11:17 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 183784

Re: Bogleheads community discussion - Coronavirus

I see a lot of theories in the media, from a lot of "experts". I'm very skeptical. I think the theory that it was circulating world-wide for a long time is just as likely to be true as the theory that it "broke out" in China. Maybe they were just the first to identify it, and the illnesses and deat...
by yosh99
Thu Mar 05, 2020 4:42 pm
Forum: Personal Consumer Issues
Topic: Volvo XC40
Replies: 7
Views: 965

Re: Volvo XC40

I've had my XC40 for almost two years ago and highly recommend it. For a small luxury SUV it is surprisingly large inside and is comfortable for four adults. I really like all the useful design features. There is a little hook that folds down from the glove compartment for hanging a purse or bag of ...
by yosh99
Tue Mar 03, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: Any experience with artificial turf for dogs?
Replies: 10
Views: 842

Re: Any experience with artificial turf for dogs?

Cactuscoug wrote:
Tue Mar 03, 2020 7:38 am
Here in AZ we put down artificial turf for our dog 20-years ago. She took to it easily. So did the neighborhood coyotes!
It will smell a bit during the summer heat, but can be rinsed heavily, or just wait until Fall.
Do you use turf especially designed for dogs?
by yosh99
Mon Mar 02, 2020 3:06 pm
Forum: Personal Consumer Issues
Topic: Any experience with artificial turf for dogs?
Replies: 10
Views: 842

Any experience with artificial turf for dogs?

In two years my Golden Retriever has transformed my relatively small back yard into a mess of dirt and mud. I'm thinking of installing artificial turf, in particular one specifically designed for dogs called K9Grass. Does anyone have any experience with this? Is the K9Grass really preferred over the...
by yosh99
Wed Jan 29, 2020 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: S-Corp Reasonable Salary Question
Replies: 23
Views: 1344

Re: S-Corp Reasonable Salary Question

Do you have a retirement benefit that is based on salary? I had a SEP IRA when I had my S-Corp which allowed me to contribute up to 20% or something like $40,000/year of my salary. I based my salary on maximizing my tax free contributions which were far greater than savings from lower payroll taxes.
by yosh99
Wed Jan 15, 2020 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire checking 1000$ offer
Replies: 138
Views: 18875

Re: Chase Sapphire checking 1000$ offer

Be sure to read the fine print. This offer is not valid in some states which I unfortunately just discovered too late.
by yosh99
Mon Jan 13, 2020 5:05 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Volvo with Swedish pickup/shipment to US option?
Replies: 19
Views: 1258

Re: Anyone bought a Volvo with Swedish pickup/shipment to US option?

biscuits wrote:
Mon Jan 13, 2020 4:56 pm
niceguy7376 wrote:
Mon Jan 13, 2020 4:18 pm
Novice Q - Why does Volvo pay for 2 RT tickets, hotel stay and and such? Do they still make money on car price even after giving 9% off MSRP?
Good questions which I can't answer. Maybe someone else can.
I was told it was subsidized by the Swedish government as a tourist promotion.
by yosh99
Fri Jan 10, 2020 12:45 pm
Forum: Personal Consumer Issues
Topic: Olives
Replies: 11
Views: 1624

Re: Olives

Speaking of olives, I've always wondered why green olives come in a glass jar and black olives come in a metal can. It's one of life's mysteries. Here’s an explanation: https://lacrossetribune.com/community/tomahjournal/lifestyles/ask-your-science-teacher-green-vs-black-olives/article_6ae0713b-280e...
by yosh99
Fri Jan 10, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: Olives
Replies: 11
Views: 1624

Re: Olives

Speaking of olives, I've always wondered why green olives come in a glass jar and black olives come in a metal can. It's one of life's mysteries.
by yosh99
Mon Jan 06, 2020 10:41 pm
Forum: Personal Consumer Issues
Topic: 2015 Jeep Cherokee, transmission issues, warranty ending soon
Replies: 37
Views: 2107

Re: 2015 Jeep Cherokee, transmission issues, warranty ending soon

I had a 2014 Cherokee with nothing but problems, including the transmission that went out at about 5,000 miles. It was replaced under warranty, but with all the other problems I called the dealer and said I wanted to meet with the sales manager. At the meeting, he said he had talked with the service...
by yosh99
Wed Jan 01, 2020 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Strategies for Dealing with A Job Layoff
Replies: 28
Views: 2173

Re: Strategies for Dealing with A Job Layoff

There is always the fear in my head that I will be laid off from my job.... This is not a comfortable way to live life or raise a family. I would try to seek another employer, industry, or occupation where this is not a pervasive fear to you. Maybe transition to government employment (city/state/fe...
by yosh99
Sun Dec 29, 2019 5:55 pm
Forum: Personal Investments
Topic: MN resident with PERA pension
Replies: 25
Views: 1605

Re: MN resident with PERA pension

MN resident here also. The 9.85 top bracket is pretty ridiculous. Here here! Oh come on. The standard of living is good here. You couldn’t pay me to move down south. The only thing I hate-hate is cost of UofM and the recent rain/ice here this weekend. standard of living is nice, no doubt about it. ...
by yosh99
Sun Dec 22, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question-S Corp withdrawals
Replies: 5
Views: 375

Re: Tax question-S Corp withdrawals

My strategy for my S Corp was to pay myself the least I could to max out the SEP IRA contribution. This was a lot more than I would have had to pay myself to satisfy the IRS, but you can contribute over $40,000/year to a SEP IRA this way. The remainder was distributions.
by yosh99
Wed Dec 04, 2019 4:42 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult? Taking a break from the neg. news
Replies: 237
Views: 39045

Re: Learning Violin as an adult? Yes, 3 years later!

Good for three years. Are you taking lessons? Learning is very hard, and it reminds me of this YouTube video:

https://www.youtube.com/watch?v=XhjgfgM1jzw
by yosh99
Sat Nov 30, 2019 3:46 pm
Forum: Personal Investments
Topic: Significance of "tax advantaged"
Replies: 9
Views: 895

Significance of "tax advantaged"

Many threads mention the tax advantages of a collection of individual funds versus the same makeup of funds in an all-in-one fund like a Target fund or Life Strategy. I understand there are various strategies for saving in taxes when having more control over the individual funds, but how significant...
by yosh99
Tue Oct 29, 2019 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 13799

Re: Apple Pay. Does anyone use it?

I use Apple Pay whenever I can. It's fast, secure, and easy.

I have an Apple Card, but don't bother with it any more. It cannot be used at an ATM for cash, has no travel benefits, etc., so it isn't as useful as the other cards I use.
by yosh99
Thu Jul 18, 2019 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: How do I determine the interest rate if I finance the sale of my business?
Replies: 7
Views: 733

Re: How do I determine the interest rate if I finance the sale of my business?

OP here. The bank has offered them a 10 year SBA variable rate loan for prime+2.75%. They want 10% down, a hefty origination fee of +$50,000 and a personal guarantee that includes their homes. I don't need an origination fee nor do I want their homes. I do want them to succeed. I'm thinking of askin...
by yosh99
Tue Jul 16, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: How do I determine the interest rate if I finance the sale of my business?
Replies: 7
Views: 733

How do I determine the interest rate if I finance the sale of my business?

I’m in the process of selling my business to two employees and I have agreed to finance the sale. I’m comfortable with this and think the risk is minimal. The plan is for them to pay 10% down and then monthly payments for ten years at a fixed rate and then a balloon payment to complete the loan. My ...
by yosh99
Tue Jul 09, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 130
Views: 10969

Re: Buying a Smoker

I used to use a Weber Bullet, but tired of the effort it took to maintain the temperature. I gave it away and purchased a Materbuilt electric smoker which I've used without a problem since. Just last July 4th I started an eight pound pork butt at 4:00 AM which was done 12 hours later when smoked at ...
by yosh99
Tue Jun 18, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Recommendations for business bank account for LLC?
Replies: 24
Views: 2140

Re: Recommendations for business bank account for LLC?

When I started my small business 17 years ago I did some research and decided that US Bank had the most promising web site features. I went to the local branch and was told to take a seat. I waited and waited and after 20 minutes left and walked to the local community bank a few blocks up the street...
by yosh99
Mon Jun 10, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: How to get good at a racket sport without coaching?
Replies: 43
Views: 1699

Re: How to get good at a racket sport without coaching?

I don't play squash, but I have played a lot of tennis for many years. Is technique as important in squash as it is in tennis? I can't imagine anyone being a seriously good tennis player without a good top spin forehand, backhand slice, overhead, volley, and various serves with spin. All of those sk...
by yosh99
Thu Apr 04, 2019 10:38 am
Forum: Investing - Theory, News & General
Topic: Make sure your retirement investment plan includes being fired from your job in your 50s
Replies: 285
Views: 18670

Re: Make sure your retirement investment plan includes being fired from your job in your 50s

Do people not have a professional network? If you maintain your network and keep up with a contact plan, you should always have options. You have to do this as a side gig, not as a accident. I have a broad network that extends well beyond my current field. I maintain a contact plan with my network ...
by yosh99
Wed Apr 03, 2019 11:53 am
Forum: Investing - Theory, News & General
Topic: Make sure your retirement investment plan includes being fired from your job in your 50s
Replies: 285
Views: 18670

Re: Make sure your retirement investment plan includes being fired from your job in your 50s

Thanks to Bogleheads i have difficulty with the concept of any job in my 50s. Nah, speak for yourself. At 48, I'm more valuable than I've ever been, and I can run circles around most 20 somethings. Half of my office thinks the world's against them, and none of them realize their worst enemy is in t...
by yosh99
Tue Apr 02, 2019 5:17 pm
Forum: Investing - Theory, News & General
Topic: Make sure your retirement investment plan includes being fired from your job in your 50s
Replies: 285
Views: 18670

Re: Make sure your retirement investment plan includes being fired from your job in your 50s

If I had to deal with potential or occasional job loss (I'm a Fed so I'd have to be a pretty bad employee), I'd see it as a annoying inconvenience where my emergency funding would kick in, and then my new "job" would be finding a replacement job, and I would absolutely believe that I would be succe...
by yosh99
Tue Apr 02, 2019 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Audit
Replies: 19
Views: 2525

Re: Tax Audit

This is an income audit. They are looking for unreported income. They will do a bank deposit analysis and compare it to gross receipts listed on your returns, if there are any unexplained deposits the amount will be considered taxable income unless you can prove otherwise. Additionally, they will b...
by yosh99
Mon Apr 01, 2019 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Audit
Replies: 19
Views: 2525

Re: Tax Audit

For an update, I got into work this morning and found that my S-Corp is being audited by the state (Minnesota). I guess that's why they are auditing my personal taxes since I'm the owner. I'm not worried about the business audit. Everything is up and up and I should have all the statements and recor...
by yosh99
Sun Mar 31, 2019 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Audit
Replies: 19
Views: 2525

Tax Audit

I received a letter from the state that I'm being audited and they are requesting all credit card statements and checking account statements (including check images) going back to 12/1/2014. I can understand their wanting to see receipts and cancelled checks for the few deductions I have claimed, bu...
by yosh99
Wed Feb 27, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Looking for advice in selling a business
Replies: 14
Views: 1022

Looking for advice in selling a business

I’ve owned a small business for 17 years and believe it’s time to sell. I’m 68 and have enough retirement savings outside of any of my business considerations to retire comfortably so I don’t need the cash from the business to retire. However, I want to stop worrying about the business. There are tw...
by yosh99
Mon Jan 07, 2019 10:19 pm
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 217
Views: 17125

Re: Which Compact SUV Should I Buy?

Mid-market: RAV4, CR-V. Higher end: BMW X1, Volvo XC40. I love my XC40. Surprisingly, its cost is substantially below the X1 and comparable to a fully equipped RAV4. Do you mind sharing the specs, and acquisition cost details, as well as time? XC40's are in short supply from what I understand. I pr...
by yosh99
Mon Jan 07, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 217
Views: 17125

Re: Which Compact SUV Should I Buy?

AlphaLess wrote:
Thu Jan 03, 2019 5:45 pm
Mid-market: RAV4, CR-V.
Higher end: BMW X1, Volvo XC40.
I love my XC40. Surprisingly, its cost is substantially below the X1 and comparable to a fully equipped RAV4.
by yosh99
Thu Nov 29, 2018 10:37 pm
Forum: Personal Consumer Issues
Topic: Winter boot recommendation
Replies: 34
Views: 3712

Re: Winter boot recommendation

If slipping on ice is of any concern you might want to read this:

https://www.cbc.ca/news/technology/wint ... -1.3867531
by yosh99
Wed Oct 24, 2018 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: What keeps you up at night?
Replies: 56
Views: 6776

Re: Retirees: What keeps you up at night?

There's no shortage of conversation here about the market tanking, running out of money, returns are too low, etc. Since I'm retired, I was wondering what fellow retirees worry about most....or maybe there are no worries? What keeps me sleeping poorly is that my brain doesn't want to shut off. I ca...
by yosh99
Thu Sep 13, 2018 2:56 pm
Forum: Personal Investments
Topic: Determining when to take Social Security if you don’t need the money
Replies: 21
Views: 1970

Re: Determining when to take Social Security if you don’t need the money

Is it really that complex? I was born in '51, my wife in '52. My SS benefit is much higher than hers. She began collecting at 66 and I'm getting half of that. At 70, I'll collect mine and she'll get half of that. Assuming that you live long enough isn't this generally the best strategy to maximum pa...
by yosh99
Sun Sep 09, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: What performance to expect from central AC?
Replies: 35
Views: 2634

Re: What performance to expect from central AC?

Thanks to all for your comments and advice. To answer some of your questions, The house is a 50 year old brick Rambler with 1200 sq feet on the main floor and 1300 sq feet in a finished basement. Being in Minnesota it's well insulated with double paned glass windows. The unit was purchased from a la...
by yosh99
Sat Sep 08, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: What performance to expect from central AC?
Replies: 35
Views: 2634

What performance to expect from central AC?

We installed a “high velocity” central air conditioning unit for the first time a couple of weeks ago and suspect it is undersized. The AC installation company says not. They have a full guarantee of proper sizing, installation, etc for the first year and will even remove the unit and refund the pri...
by yosh99
Wed Jul 11, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Quickbooks Bill Pay Limits
Replies: 6
Views: 631

Re: Quickbooks Bill Pay Limits

Is this a per day, per batch, or a per check limit? Could you send multiple payments on successive days as a work-around, even as a short term fix? It appears to be a per-check limit. Sending multiple payments wouldn't be practical for me. Bill.com integrates with QB Pro for Windows, but only when ...
by yosh99
Tue Jul 10, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Quickbooks Bill Pay Limits
Replies: 6
Views: 631

Re: Quickbooks Bill Pay Limits

It's not my bank. I called QB and they said it has to do with the bank they use. She said she has been inundated with calls from QB users like me all day. Your clients will likely be affected, too.
by yosh99
Tue Jul 10, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Quickbooks Bill Pay Limits
Replies: 6
Views: 631

Quickbooks Bill Pay Limits

I've been using QB Bill Pay for 15 years to manage my small business. Being able to enter a check into QB and have them mail it to the vendor on my behalf has been a huge time saver. Today a batch of payments was rejected with the message, "amount exceeds $2,999 and is rejected". I called and sure e...
by yosh99
Thu Jul 05, 2018 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 203
Views: 24638

Re: What I spent in 6 months on medicare

JoinToday wrote:
Thu Jul 05, 2018 6:13 pm
$2K in 6 months? x2 for husband & wife, approx x2 for whole year. $8K. Wow. :shock:

That is a line item in the budget that I didn't expect. I didn't realize it was so expensive.
And Medicare does not cover dental or vision expenses.
by yosh99
Tue Jun 05, 2018 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 968
Views: 131599

Re: How much money do you need to retire?

I'm 39 now and my plan is to retire at 55 with $1M. The reason that number is low is bc I will be able to pull a decent pension starting when I am 55. Unless you are a government employee, DO NOT assume that pension will be what you expect in 16 years. Your employee could end the pension and freeze...
by yosh99
Sat Jun 02, 2018 1:30 pm
Forum: Personal Investments
Topic: Helping son buy a house
Replies: 33
Views: 3503

Helping son buy a house

I know this has been discussed many times in various threads, but I haven't been able to find an answer to my question. I have one child, a 30 year old single son, who has a job and pays his own rent which keeps going up. He'd like to buy a house. He could get his own mortgage and do this the tradit...
by yosh99
Tue May 01, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Bicycle Questions
Replies: 48
Views: 4659

Re: Bicycle Questions

Why not leave it up to your daughter? Isn't this all her decision?
by yosh99
Thu Apr 26, 2018 3:24 am
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 16329

Re: How did you tell the boss you're leaving/retiring?

My boss told me I was retiring, and handed me my last paycheck, shook my hand and said goodbye. It was mostly a one-way communication from him to me. He knew my personal situation and that of Silicon Valley; I wouldn't be finding another job. All-in-all it was all okay. I've been working 43 solid y...
by yosh99
Fri Mar 02, 2018 12:54 pm
Forum: Investing - Theory, News & General
Topic: Small business owners -- owning your building as an investment
Replies: 6
Views: 863

Re: Small business owners -- owning your building as an investment

As a small business can you deduct the real estate taxes and mortgage interest under the new tax law?
by yosh99
Sat Feb 17, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Working for a MegaCorp vs a Small Business
Replies: 19
Views: 1960

Re: Working for a MegaCorp vs a Small Business

Having worked for both I think it depends much on your personality type and work style. If you want to get emotionally involved and effect change then you'll find MegaCorps frustrating. From my experience, happy people in MegaCorps tend to be emotionally disconnected and mostly trade time for money....
by yosh99
Mon Jan 29, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Best epoxy/glue for sticking plastic to plastic
Replies: 29
Views: 5216

Re: Best epoxy/glue for sticking plastic to plastic

I've been an adhesive chemist for 44 years and my advice is to replace the door. Without knowing what kind of plastic it is the adhesive choice will be hit or miss and it will never look very good in any case.
by yosh99
Sat Dec 23, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Is Software consulting considered a services business?
Replies: 13
Views: 2450

Re: Is Software consulting considered a services business?

Is a company that does soil core sample testing a services company if the only thing they sell is a report? If the work is done by a chemical engineer is it exempt from the exclusion? What if the testing is done by a degreed chemist without an engineering degree?

It's all confusing.
by yosh99
Sat Nov 18, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Timing if Medicare annual physical
Replies: 26
Views: 3119

Re: Timing if Medicare annual physical

My wife and I have been on Medicare for a couple of years now and have never received any kind of notice about wellness physicals. Is there something you have to do to sign up for these?