Search found 1321 matches

by CFM300
Sat Jun 16, 2018 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation for free-lancers
Replies: 23
Views: 1820

Re: Taxation for free-lancers

would she not be personally liable for her own actions? Generally speaking, no, so long as the actions are within the scope of the business. I remain skeptical. Nolo.com, for instance, directly contradicts your assertion: "There is one extremely significant exception to the limited liability provid...
by CFM300
Sat Jun 16, 2018 2:25 am
Forum: Personal Finance (Not Investing)
Topic: Taxation for free-lancers
Replies: 23
Views: 1820

Re: Taxation for free-lancers

Assume the contract is between C corp. and OP's Wife LLC. If wife inadvertently discloses Corp's confidential information (e.g. she casually mentions it to her husband since as we know these are the things couples chat about, and husband casually tells a friend since that's what friends talk about,...
by CFM300
Wed May 30, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 2431

Re: Enterprise vs Avis

I use the cheapest national brand. Ditto. I just rented a car for a week. Avis was the cheapest until I rechecked prices one week before departure. Then I found that if I paid in advance, Hertz was cheaper by about $50. I find class of car to be more important than the company, as long as we're tal...
by CFM300
Tue May 08, 2018 1:45 am
Forum: Investing - Help with Personal Investments
Topic: No Admiral Shares in a Vanguard Individual 401(k)
Replies: 45
Views: 12022

Re: No Admiral Shares in a Vanguard Individual 401(k)

idoc5 wrote:
Mon May 07, 2018 11:09 pm
Is this still true? I am trying to decide where to open my Individual 401(k) and would like to open it at Vanguard (where my other accounts are). However, if you can't buy the Admiral shares then I would consider opening elsewhere.
Yes.
by CFM300
Sun May 06, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 15916

Re: Is Los Angeles a good place long term to live financially?

GrayS26 wrote:
Sat May 05, 2018 1:26 pm
Which part of LA should I live? West Hollywood? Beverly Hills? What else?
Nah, man. Stay along the coast. Santa Monica, Venice, Manhattan Beach, Hermosa Beach, or Redondo Beach.
by CFM300
Tue May 01, 2018 12:24 am
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 49
Views: 5824

Re: Moving to The Woodlands,TX

Mosquitoes, y'all. Lots of 'em.
by CFM300
Sun Apr 29, 2018 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Website Trouble??
Replies: 12
Views: 5632

Re: Vanguard Website Trouble??

I'm unable to successfully login to Vanguard using Chrome, unless I do so in an Incognito tab.
by CFM300
Tue Apr 24, 2018 2:58 am
Forum: Personal Consumer Issues
Topic: Traveling to Asia-need advice
Replies: 46
Views: 3693

Re: Traveling to Asia-need advice

climber2020 wrote:
Mon Apr 23, 2018 6:16 am
Take some Cipro for whenever he inevitably gets travelers diarrhea.
I would avoid Cipro and everything in the fluoroquinolone family because of the connection to tendon ruptures.

Actually, it's good that this came up, because Cipro is given out like candy in many parts of Asia.
by CFM300
Mon Apr 23, 2018 12:16 am
Forum: Personal Consumer Issues
Topic: Traveling to Asia-need advice
Replies: 46
Views: 3693

Re: Traveling to Asia-need advice

1. Be sure to visit rural areas as well as the major cities. 2. One could do worse that following advice found in Lonely Planets. 3. Learn how to say Hello, Please, and Thank you. Otherwise, don't worry about languages. 4. Use mosquito repellent. 5. Pack light. Half the items you think you'll need a...
by CFM300
Sat Apr 21, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Two Solo 401k Questions
Replies: 22
Views: 1641

Re: Two Solo 401k Questions

Shoot, is there any way to do it then? Also, here's an interesting question I just thought of - my personal savings are much greater than the amount that's going to be in the business at any point (and likely more than I will ever make doing this). Rather than insuring my LLC, should I actually be ...
by CFM300
Fri Apr 20, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Two Solo 401k Questions
Replies: 22
Views: 1641

Re: Two Solo 401k Questions

taxck33 wrote:
Fri Apr 20, 2018 5:28 pm
How do people with savings start single member businesses then? It feels incredibly risky.
Insurance, and doing as much as possible to mitigate risks and liabilities -- e.g., following best practices, having requisite training, certifications, etc.
by CFM300
Thu Apr 19, 2018 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10435

Re: Got hit with a $2800 Medical bill. Can I negotiate?

Just because you’re referred to an out of network imaging facility doesn’t mean you have to go there. There are days or weeks to figure that out before the test. I was suggesting the opposite: that the OP may have been referred to an in-network facility but that an out-of-network radiologist read t...
by CFM300
Thu Apr 19, 2018 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10435

Re: Got hit with a $2800 Medical bill. Can I negotiate?

My patients who ask for a cost estimate, which in my experience is way less than 5%, and probably closer to 1-2%, get provided a pre-printed sheet with the CPT code(s) I’m submitting to insurance for pre-authorization, as well as the estimated length of the procedure. The sheet has phone numbers fo...
by CFM300
Thu Apr 19, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10435

Re: Got hit with a $2800 Medical bill. Can I negotiate?

...most of what you mentioned had nothing to do with the OP’s situation—an outpatient workup with a few tests for which the price could have been easily obtained before the tests. Nothing to do with balance billing or “drive-by-doctoring” (whatever that is). With all due respect, you don't know tha...
by CFM300
Thu Apr 19, 2018 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10435

Re: Got hit with a $2800 Medical bill. Can I negotiate?

I do it all the time. I’m a surgeon. As a public service, can you explain how? I would sincerely appreciate it, because the times I've tried, I've had no luck. Specifically, I could not get the surgeon or the hospital to provide the complete set of codes. I was told each of the providers -- the fac...
by CFM300
Thu Apr 19, 2018 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10435

Re: Got hit with a $2800 Medical bill. Can I negotiate?

You continue to miss the point that the patient can absolutely call their insurance company to get an amount they will be responsible for before any services are rendered. Seriously? Have you tried this with any major procedure, like a routine surgery? I have. It was impossible. Not to mention prob...
by CFM300
Thu Apr 19, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Two Solo 401k Questions
Replies: 22
Views: 1641

Re: Two Solo 401k Questions

This is the insurance I was thinking about getting: http://www.petsitllc.com/pet_business_insurance.phtml I don't know anything about that insurance company of course, but the policy limits look reasonable to me. Depending on your net worth, you might also want to add a personal umbrella policy. Th...
by CFM300
Thu Apr 19, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 15916

Re: Is Los Angeles a good place long term to live financially?

Glockenspiel wrote:
Thu Apr 19, 2018 8:35 am
at 967 sq foot house in my Midwest metro area (consistently rated as one of the top places to live in the U.S.), it wouldn't cost more than $150-$200k.
May I ask where that is?
by CFM300
Thu Apr 19, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Two Solo 401k Questions
Replies: 22
Views: 1641

Re: Two Solo 401k Questions

My reasoning was for protecting personal savings. Why wouldn't an LLC provide liability protection for a dog walking business? If that's really the case, what's the proper way of protecting my personal savings? I spoke to two lawyers I know and someone who formed his own dog walking LLC, so I'm a b...
by CFM300
Thu Apr 19, 2018 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Two Solo 401k Questions
Replies: 22
Views: 1641

Re: Two Solo 401k Questions

taxck33 wrote:
Thu Apr 19, 2018 9:29 am
- Open up a Solo 401k under my name
I think you'll need to get an EIN distinct from your SSN to open the 401(k).
by CFM300
Thu Apr 19, 2018 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10435

Re: Got hit with a $2800 Medical bill. Can I negotiate?

If you do not pay you go to collections. That simple. If you can bargain as a consumer then great. If you can't then you have 2 options. Pay or go to collections. But in fact, patients do have a third option, which is to call and negotiate the final price after the fact, which is exactly the advice...
by CFM300
Thu Apr 19, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10435

Re: Got hit with a $2800 Medical bill. Can I negotiate?

Take a minute (and others out there who keep saying the same thing over and over). If you ran the business of doing lets say an MRI and go into contract with, for example, BCBS and LEGALLY have to bill every patient of theirs the same way. You do what is expected of you taking on FULL Risk of not b...
by CFM300
Wed Apr 18, 2018 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10435

Re: Got hit with a $2800 Medical bill. Can I negotiate?

Yes the system is broken. Nobody cares, but the doctors are in the same boat. Just like patients don't know how much it will cost, the doctors don't know what they will be paid by the insurance. The public thinks they do but they only have a rough idea which can change from patient to patient and p...
by CFM300
Wed Apr 18, 2018 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10435

Re: Got hit with a $2800 Medical bill. Can I negotiate?

I don't like getting bills either, but if I sign off yes to x testing I feel legally and morally obligated to pay. Call me responsible. But rarely are patients given a price prior to being asked to sign off on a procedure, so the choice they face is to either agree to pay some unknown price or refu...
by CFM300
Wed Apr 18, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10435

Re: Got hit with a $2800 Medical bill. Can I negotiate?

I don't like getting bills either, but if I sign off yes to x testing I feel legally and morally obligated to pay. Call me responsible. But rarely are patients given a price prior to being asked to sign off on a procedure, so the choice they face is to either agree to pay some unknown price or refu...
by CFM300
Tue Apr 17, 2018 10:43 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 15916

Re: Is Los Angeles a good place long term to live financially?

ssquared87 wrote:
Tue Apr 17, 2018 5:36 pm
Also, there are no good MBA programs in LA. For an MBA to be worth it you need to go to a top 10 maybe top 20. UCLA Anderson may be in the top 20 its been a while since I checked.
US News ranks UCLA @ #16. USC @ #20.
by CFM300
Mon Apr 16, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Two Jobs, Two Retirement Plans; $110,000 Per Year Contribution Limit?
Replies: 4
Views: 1096

Re: Two Jobs, Two Retirement Plans; $110,000 Per Year Contribution Limit?

There are other contribution limits that would have be to be respected, such as:

1. Employer contribution to SEP IRA cannot exceed 25% of employee's compensation.

2. Aggregate (employer and employee) 401(k) contributions cannot exceed 100% of employee's compensation.
by CFM300
Sun Mar 25, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Toyota truck frame replacement program
Replies: 23
Views: 3223

Re: Toyota truck frame replacement program

sorry, but you are the one who started the thread and assumed (?) that everyone here knows what you are talking about? then when someone (me) asks about it you tell "me" to go and research information to make an informed response to "your" question. The OP did not tell you to go research informatio...
by CFM300
Tue Feb 27, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: DBA and Trademarks - do it myself or use a service?
Replies: 2
Views: 299

Re: DBA and Trademarks - do it myself or use a service?

Thanks for the tips. I'll give it a try.
by CFM300
Tue Feb 27, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: # X Gross = Home price?
Replies: 81
Views: 6069

Re: # X Gross = Home price?

The hubs are small, but frequent, you can't go 10 blocks in s. Mpls without hitting a small downtown. From me there is a nice grocery store 1 block away, a fancy coffee shop 1 block away, 5 restaurants within 4 blocks, which would result in a high-ish walk score. My dentist is 1 block away. Sounds ...
by CFM300
Tue Feb 27, 2018 12:08 am
Forum: Personal Finance (Not Investing)
Topic: # X Gross = Home price?
Replies: 81
Views: 6069

Re: # X Gross = Home price?

Cycle wrote:
Mon Feb 26, 2018 6:36 pm
if you're looking in the powderhorn park / lake nakomis area duplexes go for much less.
Thanks for the tip. But how's the walk-score so high? Where are the commercial/hipster hubs in those areas?
by CFM300
Tue Feb 27, 2018 12:04 am
Forum: Personal Consumer Issues
Topic: DBA and Trademarks - do it myself or use a service?
Replies: 2
Views: 299

DBA and Trademarks - do it myself or use a service?

I need to file a DBA in California and also register some trademarks federally. I tend to do things myself, but I'm wondering if this is something where I'd be better off using a service. Any recommendations? Both on the do-it-myself vs. service question and on who to use if I need help? Legalzoom? ...
by CFM300
Mon Feb 26, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: Warren Buffett Dislikes Bonds
Replies: 57
Views: 7002

Re: Warren Buffett Dislikes Bonds

Big talk for a guy whose company is sitting on $100 billion in cash. :D
by CFM300
Mon Feb 26, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Best expat consulting/preparation service
Replies: 8
Views: 660

Re: Best expat consulting/preparation service

I agree with the general thrust of AlohaJoe's post. You should strive to educate yourself on the basics at least. How to qualify for the FEIE, using the FEIE vs. taking credit for foreign taxes paid, how foreign-earned SE income is taxed, etc. The link in the original post has some good free informa...
by CFM300
Sun Feb 25, 2018 12:15 am
Forum: Investing - Theory, News & General
Topic: Atlantic Article: This Is What Life Without Retirement Savings Looks Like
Replies: 26
Views: 4795

Re: Atlantic Article: This Is What Life Without Retirement Savings Looks Like

Scooter57 wrote:
Sat Feb 24, 2018 4:25 pm
I live in an area full of unspoiled nature...
Would you mind sharing where this is?
by CFM300
Sun Feb 25, 2018 12:00 am
Forum: Personal Finance (Not Investing)
Topic: # X Gross = Home price?
Replies: 81
Views: 6069

Re: # X Gross = Home price?

Cycle wrote:
Sat Feb 24, 2018 10:59 pm
Market value is probably 340k. Our half is 170k. Our gross income is 270k. We live 3 miles from downtown, 1 mile from a lake for swimming/sailing/fishing, walk score 80.
Sounds like you're in or near Uptown. Is $340k for a nice duplex common? Things looks more expensive on Trulia.
by CFM300
Sat Feb 24, 2018 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: # X Gross = Home price?
Replies: 81
Views: 6069

Re: # X Gross = Home price?

Cycle wrote:
Sat Feb 24, 2018 1:34 pm
I have a very nice unit in duplex we rennovated. Our unit is .63 X our gross annual income from megacorps.
The market value of your duplex is just 63% of your current gross annual income? As in, you earn $200,000 per year (say) and your duplex is worth $126,000? That's pretty incredible.
by CFM300
Sat Feb 24, 2018 12:04 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads.org" by Kristine Hayes"
Replies: 60
Views: 9006

Re: "Bogleheads.org" by Kristine Hayes"

I only recently learned the distinction because I was curious about the script version of UCLA's logo , a variant of which appears on their football helmets. It's an iconic logo, but strange in that the "U" is capitalized and the rest of the characters are lower-case, as if it's a two-syllable word ...
by CFM300
Fri Feb 23, 2018 6:48 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads.org" by Kristine Hayes"
Replies: 60
Views: 9006

Re: "Bogleheads.org" by Kristine Hayes"

FYI, an abbreviation where each letter is a pronounced separately is called an initialism, not an acronym.
by CFM300
Fri Feb 23, 2018 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: <gulp> Expensive mistake
Replies: 56
Views: 10077

Re: <gulp> Expensive mistake

I also had no idea what funds the OP was talking about. Am I correct in thinking that the OP missed the stock market run up this year, but did not actually lose money, except perhaps with regard to inflation? While I agree with the premise that non-intuitive acronyms are annoying, it takes about 5 ...
by CFM300
Thu Feb 22, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Need help finding a business attorney to help with GDPR
Replies: 2
Views: 320

Re: Need help finding a business attorney to help with GDPR

Good suggestions. Thank you. I have done a bit of research myself and things seem complicated enough that I'd like an expert to guide me.
by CFM300
Thu Feb 22, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Need help finding a business attorney to help with GDPR
Replies: 2
Views: 320

Need help finding a business attorney to help with GDPR

How would I find a business attorney who can help me understand the EU's new data privacy regulation, GDPR?

I just need help writing an acceptable privacy policy for my small consulting practice, as well as some answers to a few questions about my specific situation.

Thanks.
by CFM300
Wed Feb 21, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: condo rental and emotional support animals issues
Replies: 24
Views: 3321

Re: condo rental and emotional support animals issues

That doesn't say you can not ever exclude them. It says "reasonable" accommodations From the site: Question: "Are hosts required to accept assistance animals?" Answer: "Generally, yes, unless there is a threat to health or safety (see below)." So, unless there is a threat to health or safety, hosts...
by CFM300
Tue Feb 20, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: condo rental and emotional support animals issues
Replies: 24
Views: 3321

Re: condo rental and emotional support animals issues

This thread made me wonder what Airbnb's policy is. Seems that with Airbnb... 1. Hosts MUST accept assistance animals, including ESAs. 2. Guests are NOT required to disclose the presence of assistance animals prior to booking. 3. Hosts are NOT allowed to charge additional fees for assistance animals...
by CFM300
Thu Feb 15, 2018 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Living abroad. Retirement savings options?
Replies: 45
Views: 5620

Re: Living abroad. Retirement savings options?

>Income earned in Vietnam is $70k. >They tax me via an income tax at 27%. >I then pay Vietnam $18,900. >If I take the foreign tax credit do I then have what I paid Vietnam deducted from what I would owe the US? (25% on the tax bracket I believe.) >Would this then mean I do not owe the US government...
by CFM300
Thu Feb 15, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 78
Views: 6844

Re: Work-out schedule for those in 60s

Another question. After lifting I have been taking GNC ANC Extreme 60 protein supplement for many years now. So, maybe two or three times per week. I am 71. I wonder if at this age I should stop the supplement or modify the routine. I eat plenty of protein (eggs, chicken, fish etc.). The Extreme 60...
by CFM300
Thu Feb 15, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Living abroad. Retirement savings options?
Replies: 45
Views: 5620

Re: Living abroad. Retirement savings options?

would I be better off financially by putting that extra $5500.00 into an ETF or mutual fund (which would have capital gains tax) that I will create on the side, or if I go with the above plan and deal with FICA/self-employment taxes just to have domestic income? Where is this $5,500 coming from? If...