Search found 1316 matches

by Hayden
Sun Jun 07, 2020 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: create SBA EIDL portal account ?
Replies: 8
Views: 2416

Re: create SBA EIDL portal account ?

I got this email, but did not receive the $1000.

Can people confirm that one can ignore the email (i.e., ignore the loan offer) and still receive the $1000? I cant figure out why I havent received the $1000
by Hayden
Sun May 31, 2020 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Healthcare moving during the year
Replies: 5
Views: 427

Re: ACA Healthcare moving during the year

I went through this recently. The only tricky part was getting the ending date and start date to line up. (Since you are transferring within healthcare.gov, that may not be a problem for you). Suggest you call them so you understand the timing before you pull the trigger.
by Hayden
Fri May 29, 2020 10:43 am
Forum: Personal Investments
Topic: S-corp Distribution and Contribution question
Replies: 3
Views: 246

Re: S-corp Distribution and Contribution question

I am not an accountant.

Why not just invest the money from the company's account?

Otherwise I think you would have to report the transfers on your tax return. Seems like more trouble than its worth
by Hayden
Tue May 26, 2020 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice for science PhD student
Replies: 78
Views: 6201

Re: Career advice for science PhD student

The government needs people with technical expertise. For example, take a look at the Department of Energy and the work done by the national laboratories. You probably won't get rich, but the work is interesting.
by Hayden
Mon May 25, 2020 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: I wrote an app, now should i form a business?
Replies: 21
Views: 2265

Re: I wrote an app, now should i form a business?

As you point out, those will be publicly available from the state. But at least I will not have my personal name listed on the Google Play Store. My point was, that the same would be true if you simply registered under a DBA/Fictitious Business Name In my state, Arizona, there is no annual filling ...
by Hayden
Sat May 23, 2020 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: I wrote an app, now should i form a business?
Replies: 21
Views: 2265

Re: I wrote an app, now should i form a business?

Those privacy laws are a lot to digest. I would recommend that you fully understand which laws apply to you and what your obligations are under those laws. In addition, I would recommend that you secure a cyber insurance policy. You can find policies that will cover you for data breaches, client lo...
by Hayden
Sat May 23, 2020 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: I wrote an app, now should i form a business?
Replies: 21
Views: 2265

Re: I wrote an app, now should i form a business?

As has been pointed out an LLC is not required, it and any disclaimers may not provide the liability protection you think they do. Also, an LLC will likely have additional state annual costs and maybe additional taxes. For example, LLCs in CA are subject to the 1.5% franchise tax (min $800/yr). How...
by Hayden
Sat May 23, 2020 9:14 am
Forum: Personal Finance (Not Investing)
Topic: I wrote an app, now should i form a business?
Replies: 21
Views: 2265

Re: I wrote an app, now should i form a business?

I am collecting data from users, that's what has me concerned. I am using Google Cloud Firestore to save user data. Users can (at their choice) upload location data (Google Maps API) and pictures from their camera. The pictures are stored in Google Firebase Storage. Also, they log in with username ...
by Hayden
Sat May 23, 2020 9:05 am
Forum: Personal Consumer Issues
Topic: Del Webb 55+ communities?
Replies: 27
Views: 4424

Re: Del Webb 55+ communities?

We selected a 55+ community that is not Del Webb. It is very active, social, and friendly. It is a new community, so everyone is just moving in. That makes it younger (many people move in late 50s) and very friendly, as everyone is looking to meet people and make new friends . We have been happy wit...
by Hayden
Fri May 22, 2020 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: I wrote an app, now should i form a business?
Replies: 21
Views: 2265

Re: I wrote an app, now should i form a business?

Congrats on the app. I would likely form an LLC. But it is not required. Why don't you look at the legal terms of other similar apps. They are easy to find, often listed under "Terms of Use". You could easily scrape a lot of content from 1 or 2 like apps. I would also say something to the order of ...
by Hayden
Fri May 22, 2020 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: I wrote an app, now should i form a business?
Replies: 21
Views: 2265

Re: I wrote an app, now should i form a business?

No need for a LLC. Operate as a sole proprietor. As others said, pay close attention to anything "risky" your app may be doing such as storing sensitive personal information. Here's some legalese you can use: The software is provided in the hope that it will be useful, but WITHOUT ANY WARRANTY; wit...
by Hayden
Thu May 21, 2020 9:42 am
Forum: Personal Finance (Not Investing)
Topic: I wrote an app, now should i form a business?
Replies: 21
Views: 2265

Re: I wrote an app, now should i form a business?

You learned to code and developed an app in 2 months? Kudos :sharebeer Thanks. I used Flutter and took courses on Udemy. Flutter made it easy. That said, there's lots that I don't know. So I'm looking for some legalese i can add along the lines of...this app is available for testing purposes and I ...
by Hayden
Thu May 21, 2020 9:15 am
Forum: Personal Finance (Not Investing)
Topic: I wrote an app, now should i form a business?
Replies: 21
Views: 2265

Re: I wrote an app, now should i form a business?

I wrote an app and published it on the Apple App Store a few years ago. I did form an LLC (with a company name, not my own name) and had a link inside the app that had all the necessary disclaimers. I used templates for the legalese but did tailor it to better match the app. The other thing you can...
by Hayden
Wed May 20, 2020 11:41 am
Forum: Personal Finance (Not Investing)
Topic: How to write a privacy policy
Replies: 5
Views: 394

Re: How to write a privacy policy

thank you everyone for the responses. I used an online company - termly.io - which has a free privacy policy generator.
by Hayden
Wed May 20, 2020 11:39 am
Forum: Personal Finance (Not Investing)
Topic: I wrote an app, now should i form a business?
Replies: 21
Views: 2265

I wrote an app, now should i form a business?

One of my bucket list items was to write an app and publish it on the app store. Since i've been stuck in my home for months, i've used that time to learn to code and write an app. My app is now "done" -- meaning I now have something that I want to show to people. I went to the Google Play Store to ...
by Hayden
Mon May 18, 2020 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: How to write a privacy policy
Replies: 5
Views: 394

How to write a privacy policy

I'm posting this on Bogleheads because i have no idea where else to turn. I'm sure some Boglehead can point me in the right direction. One of my bucket list items was to write an app and publish it on the app store. Since i've been stuck in my home for the past two months, i've used that time to lea...
by Hayden
Fri May 15, 2020 6:14 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1952
Views: 211756

Re: [What TV Show Have You Recently Watched?]

I am rewatching all of the various Star Treks. Reliving my youth!
by Hayden
Fri Apr 24, 2020 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 33771

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

Has anyone looked into the Employee Retention Credit? I have a small S Corp. The employee retention credit might make more sense for me than the PPP.
by Hayden
Fri Apr 24, 2020 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 33771

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

Still waiting to receive EIDL (Did receive the email stating the money was coming). How would one know if the grant was rejected for some reason? Does SBA notify the applicant? Are other businesses that received the EIDL email still waiting for funds? Are you just keeping your credit unlocked, indef...
by Hayden
Tue Apr 21, 2020 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Problem getting credit report online
Replies: 3
Views: 276

Re: Problem getting credit report online

I tried to check my Experian credit report at annualcreditreport.com. It told me Experian was having a problem, and to mail in my documents. I am not comfortable doing that. The problem occurred before they asked me the security questions. They asked me my name and address, and then told me Experia...
by Hayden
Mon Apr 20, 2020 11:09 am
Forum: Personal Finance (Not Investing)
Topic: PSA: Free weekly credit report
Replies: 8
Views: 986

PSA: Free weekly credit report

I found this notice on annualcreditreport.com:

During these times of COVID-19, accessing your credit is important. That's why Equifax, Experian, and TransUnion are now offering free weekly online reports through April 2021.
by Hayden
Mon Apr 20, 2020 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Problem getting credit report online
Replies: 3
Views: 276

Problem getting credit report online

I tried to check my Experian credit report at annualcreditreport.com. It told me Experian was having a problem, and to mail in my documents. I am not comfortable doing that. The problem occurred before they asked me the security questions. They asked me my name and address, and then told me Experian...
by Hayden
Mon Apr 20, 2020 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 33771

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

rama13 wrote:
Sun Apr 19, 2020 6:54 pm
I applied for EIDL on 3/30. SBA just ran my credit yesterday (4/18). Be patient.
How can I find out whether someone has run my credit?
by Hayden
Fri Apr 17, 2020 10:13 am
Forum: Personal Finance (Not Investing)
Topic: PPP/EIDL for a one-person S-corp
Replies: 59
Views: 11300

Re: PPP/EIDL for a one-person S-corp

I have an LLC taxed as an SCorp. The form asks the type of business. I think I should select LLC from the drop down menu, because the company is an LLC.

Does anyone know for sure whether LLC or SCorp should be selected from the dropdown menu?
by Hayden
Fri Apr 17, 2020 9:54 am
Forum: Personal Consumer Issues
Topic: How are you exercising with gym closures
Replies: 111
Views: 5989

Re: How are you exercising with gym closures

I've been alternating running and yoga using the Down Dog app. I miss the gym. I dont own fitness equipment, and my house is so small, I really dont want to acquire any. Any idea when it will be safe to return to the gym?
by Hayden
Tue Apr 14, 2020 7:30 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 935
Views: 175953

Re: Boglehead Beer

I meant to say... I enjoy big beers like the Founders CBS and Breakfast Stout. I've been looking for a beer that has similar flavor but with low alcohol. Uinta Brewing Baba Black Lager is the best I've found so far. The search continues :sharebeer Got it. Not sure if you have it where you are but c...
by Hayden
Tue Apr 14, 2020 5:54 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 935
Views: 175953

Re: Boglehead Beer

This sheltering in place is forcing/allowing me to find various beers I had forgotten I had in the back of my beer fridge. +1 I've picked a few from my cellar, consuming the following in the last few weeks of quarantine: - 2018 Founders KBS - 2019 BCBS - 2018 BCBS Midnight Orange It's getting warme...
by Hayden
Sun Apr 05, 2020 7:49 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 935
Views: 175953

Re: Boglehead Beer

My current favorite is Uinta Brewing Baba Black Lager. A black lager that is low in alcohol.

I've been drinking Founders CBS, but this beer gives me flavor I like with low alcohol.
by Hayden
Sun Apr 05, 2020 10:25 am
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17437

Re: What will you do first, once COVID pandemic is over?

Dinner with friends, happy hour at local restaurants, gym, haircut.
by Hayden
Thu Apr 02, 2020 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 33771

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

Jon wrote:
Thu Apr 02, 2020 8:59 am
Clarification on sole proprietor vs. self-employed individual:

https://www.youtube.com/watch?v=EQUZSsYyshU&t=132

I wonder if any money will actually be left by the time self-employed individuals are eligible to apply.
This is excellent. Thanks for posting.
by Hayden
Wed Mar 25, 2020 11:18 am
Forum: Personal Investments
Topic: Buy stocks in taxable or IRA?
Replies: 4
Views: 299

Re: Buy stocks in taxable or IRA?

livesoft wrote:
Wed Mar 25, 2020 11:13 am
Buy stocks in taxable and in IRA.

Where is the money coming from to buy these stocks?
In the IRA, the money would come from the Fidelity US Bond Index Fund.
In the taxable account, the money would come from the Vanguard Intermediate Term Tax-Exempt Fund.
by Hayden
Wed Mar 25, 2020 11:02 am
Forum: Personal Investments
Topic: Buy stocks in taxable or IRA?
Replies: 4
Views: 299

Buy stocks in taxable or IRA?

I’ve passed my rebalancing band, so I should be buying stocks. Question is whether to buy them in my taxable account or IRA. If I buy in IRA: If I get lucky, buy low and the market rises, I’ll have to sell them to rebalance. I won’t have to pay CG taxes to rebalance. On the other hand, if the market...
by Hayden
Tue Mar 24, 2020 1:51 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 297
Views: 18536

Re: So what are you cooking

I've never cooked, so i tried Hello Fresh. It feels like cooking with training wheels. I made a Farro bowl with vegetables. I've never worked so hard for a meal in my life. :happy
by Hayden
Wed Mar 04, 2020 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Error
Replies: 10
Views: 912

Re: Turbotax Error

Thank you for everyone who took the time to reply. The error is something that applies to a very small number of people. I know there is at least one other person, because they have also posted on TT forums. But, perhaps, it only applies to two people. I apologize for being cryptic, but since i have...
by Hayden
Wed Mar 04, 2020 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax Error
Replies: 10
Views: 912

Turbotax Error

Turbotax has an error. I have been posting about in in the Turbotax Forums for over 4 weeks. I have called them and asked them about it. I am getting no where. I am asking them a simple question: Will you fix this error? If they do not fix the error, i can override the value to enter the correct val...
by Hayden
Fri Feb 28, 2020 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy short-term health insurance or ACA plan
Replies: 24
Views: 1432

Re: Should I buy short-term health insurance or ACA plan

Thanks, everyone, for the help. I have signed up with HealthCare.gov. Now I need to cancel coverage in my old state, and upload proof of the cancelation to HealthCare.gov. I tried to cancel with my old state Exchange over the telephone yesterday, but it seemed like that would give me a cancellation ...
by Hayden
Fri Feb 28, 2020 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy short-term health insurance or ACA plan
Replies: 24
Views: 1432

Re: Should I buy short-term health insurance or ACA plan

SandysDad wrote:
Fri Feb 28, 2020 8:48 am

So pay the ACA premium. Just consider it part of your living expenses.

If it makes you feel better, by law ACA plans pay out 85%+ in claims. All admin and profit has to fit in the 15%. So consider your ACA premiums "paying it forward"....for the 1%
Agreed
by Hayden
Fri Feb 28, 2020 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy short-term health insurance or ACA plan
Replies: 24
Views: 1432

Re: Should I buy short-term health insurance or ACA plan

Keep in mind that aside from short term insurance, there is also the possibility to buy "non-marketplace" or "off-marketplace" insurance. This is insurance that MEETS all the ACA requirements, is true health insurance (not short term insurance), but is purchased direct through the company site rath...
by Hayden
Wed Feb 26, 2020 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy short-term health insurance or ACA plan
Replies: 24
Views: 1432

Re: Should I buy short-term health insurance or ACA plan

Just spoke with an insurance agent who recommended a short term medical plan, rather than an ACA plan. One thing to watch out for is that the insurance agent likely gets paid a nice commission if you buy a short term plan. If you buy an ACA plan they may get little or no commission. You cannot trus...
by Hayden
Wed Feb 26, 2020 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy short-term health insurance or ACA plan
Replies: 24
Views: 1432

Re: Should I buy short-term health insurance or ACA plan

Bumping this once. It's been a distracting couple of days so maybe folks didn't see this.
by Hayden
Mon Feb 24, 2020 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy short-term health insurance or ACA plan
Replies: 24
Views: 1432

Should I buy short-term health insurance or ACA plan

I am in the process of moving to the Phoenix area and i need to buy individual health insurance here. Just spoke with an insurance agent who recommended a short term medical plan, rather than an ACA plan. His reasons are: 1) only about 50% of doctors here take the ACA plans, whereas about 95% of doc...
by Hayden
Mon Feb 24, 2020 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity was unable to classify my contribution as prior year
Replies: 4
Views: 593

Re: Fidelity was unable to classify my contribution as prior year

Yes, that's the way Fidelity does it.
I just make sure to keep complete records myself.
by Hayden
Mon Feb 24, 2020 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Suspected Turbotax bug; how to get it fixed?
Replies: 7
Views: 1232

Re: Suspected Turbotax bug; how to get it fixed?

I've run into TT errors several years. I know of one this year, and I've posted it on the TT Forum. TT does allow you to make manual override changes to forms, but then you lose the ability to efile. I recall one year, TT instructed me to fix the error myself and mail a paper return. FYI, I own an S...
by Hayden
Fri Feb 21, 2020 10:27 am
Forum: Personal Investments
Topic: EFTPS vs IRS DirectPay for making conversion tax payments?
Replies: 8
Views: 608

Re: EFTPS vs IRS DirectPay for making conversion tax payments?

I schedule the four quarterly estimated tax payments in EFTPS. It gives me a nice PDF document showing the payments. I stick that in my taxes file, and I am done and ready with the documentation when I complete my tax return the following year. Easy and quick.
by Hayden
Mon Feb 17, 2020 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: State tax return for sale of vacation property
Replies: 2
Views: 246

Re: State tax return for sale of vacation property

I would suggest looking at the non-resident instructions for the state where the property was. They will normally have a section called "who must file." The answer may vary from state to to state. Under who must file, the instructions say: "Every nonresident with more than $2,500 gross income from ...
by Hayden
Mon Feb 17, 2020 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: State tax return for sale of vacation property
Replies: 2
Views: 246

State tax return for sale of vacation property

I live in State A, own a vacation home in State B. This year i sold the vacation home at a loss. I report the sale on my Federal tax return. No tax is owed since i sold for a loss. Do i need to file a State Tax Return in State B? I will not owe any tax to State B, but should I submit a return anyway?
by Hayden
Thu Feb 13, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Friends working on hobby that may/may not develop into business
Replies: 16
Views: 1477

Re: Friends working on hobby that may/may not develop into business

niceguy7376 wrote:
Thu Feb 13, 2020 8:19 am
What benefits does it offer to shut down a business for a few years and then open it again later?
+1
You will have some expenses to do this. The business can deduct them. Why shut down the business and forego the deduction?
by Hayden
Mon Feb 10, 2020 10:04 am
Forum: Personal Consumer Issues
Topic: Handbags/Purses?
Replies: 13
Views: 1144

Re: Handbags/Purses?

Baggallini are highly functional. I have no idea whether or not they are fashionable.
by Hayden
Fri Feb 07, 2020 5:40 pm
Forum: Personal Consumer Issues
Topic: TurboTax Crashing - updated still no joy
Replies: 29
Views: 2062

Re: TurboTax Crashing

BH_RedRan wrote:
Thu Feb 06, 2020 8:14 pm
I had this happen today with the Deluxe version, within the program itself. It happened right after using the help search. The data file was fine though after restarting the program.
Exact same thing happened to me today. Using the Premier version.
by Hayden
Fri Feb 07, 2020 3:05 pm
Forum: Investing - Theory, News & General
Topic: Total Stock Market Index - Section 199A dividends this year
Replies: 169
Views: 21398

Re: Total Stock Market Index - Section 199A dividends this year

Now TT is saying the 8995A form won't be ready until 2/20.