Search found 1210 matches

by Hayden
Sun Jul 07, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Orlando area: good , low-pressure discount / clearance furniture stores? IKEA, American Freight, At Home, etc?
Replies: 25
Views: 1721

Re: RESOLVED: Orlando area: good , low-pressure discount / clearance furniture stores? IKEA, American Freight, At Home,

I'm not in Orlando, but I've recently been shopping at all of the stores you mentioned. I bought an Ashley sofa at American. Price much lower than if I had purchased from Ashley. I recommend visiting the American store.
by Hayden
Wed Jul 03, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: how to calculate 2 years for home sale tax exclusion
Replies: 3
Views: 211

how to calculate 2 years for home sale tax exclusion

I have a vacation property i want to sell. I am thinking about making the property my primary residence in order to get the home sale capital gain exclusion. So, how exactly, is the 24 month period calculated? For example, is it based on the day i change my drivers license? Is it based on the date I...
by Hayden
Mon Jun 24, 2019 11:54 am
Forum: US Chapters
Topic: Arizona Chapter
Replies: 100
Views: 13148

Re: Arizona Chapter

+1. I'm also in the greater Phoenix area.
by Hayden
Mon Jun 10, 2019 9:37 am
Forum: Personal Consumer Issues
Topic: Personal Experience with SCORE Business Counseling?
Replies: 5
Views: 444

Re: Personal Experience with SCORE Business Counseling?

I've contacted them a few times over the past decades. Once, got assigned an outstanding mentor who provided real value. Other times, I did not receive value. I think it's really random. No harm in contacting them and seeing if you get lucky.
by Hayden
Mon May 20, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: What computer to buy for snowbird
Replies: 37
Views: 3010

Re: What computer to buy for snowbird

https://www.costco.com/Lenovo-ThinkPad-X1-Carbon-Business-Laptop---Intel-Core-i7---1080p.product.100398789.html?langId=-1&krypto=6qL%2Fzmay5MhJQDDOArEU7Wy3zE35q30%2BFGQQ1TRJtKyvT2zFBXEv0WqYoX1pu0%2FfULGawGTOeHEM%2FRyOK9NgbtGda2CrU8oGcZjn9uD%2FqNTu7pVg8mSlGmex5pM%2BtqakoOQ5eA6%2B6Uvfpby1zBDnBzcPLrl0...
by Hayden
Mon May 20, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: What computer to buy for snowbird
Replies: 37
Views: 3010

Re: What computer to buy for snowbird

How did the SP4 die? I'm curious since I own one. No idea. It was less than 4 years old. I took it to a Microsoft store. They said, sorry, it's dead. And offered to sell me a new one. They had no idea what went wrong. They seemed to think this was not unusual, I shouldn't expect to get 4 years out ...
by Hayden
Sun May 12, 2019 11:02 am
Forum: Personal Finance (Not Investing)
Topic: How to Figure Payroll Taxes for S-Corp?
Replies: 22
Views: 1101

Re: How to Figure Payroll Taxes for S-Corp?

I do payroll myself, and it really is quite simple. My recommendation (what I did) start out using quicken online payroll. Do that for a year (or more) and you'll understand exactly what needs to be done. Then you can decide whether you want to keep using them or do it yourself.
by Hayden
Sun May 12, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: What computer to buy for snowbird
Replies: 37
Views: 3010

What computer to buy for snowbird

My Surface Pro just died, so I need to replace it. I need help figuring out what to buy. I always have the computer plugged in to 2 large monitors and a full-size keyboard. But, I am a snowbird, and will move the computer with me. I am taking online courses in cybersecurity and machine learning. So,...
by Hayden
Wed May 08, 2019 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP vs Kaiser HMO
Replies: 25
Views: 1398

Re: HDHP vs Kaiser HMO

One thing to know about Kaiser is that the hospitals and specialists tend to be concentrated in a few areas. If you need to see a particular specialist, it's probably worth checking to see if they have one near you . Probably not a big issue in the SF Bay Area though. Financially speaking, I don't ...
by Hayden
Tue Apr 23, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: One big end of year tax payment instead of quarterly payments for S-corp?
Replies: 9
Views: 789

Re: One big end of year tax payment instead of quarterly payments for S-corp?

Are you sure you and your accountant are talking about the same thing? I havent done it, but I believe it is legal to file 0$ Form 941 quarterly, and then a large dollar Form 941 in quarter 4.
by Hayden
Mon Apr 22, 2019 11:22 am
Forum: Personal Finance (Not Investing)
Topic: State taxes when moving to a new state
Replies: 4
Views: 431

Re: State taxes when moving to a new state

HueyLD wrote:
Mon Apr 22, 2019 9:54 am
Do both before moving to AZ.

Yes, AZ will tax you to the max if you so after the move. There is no tax break for QDI or capital gain.
Thanks for the warning about tax breaks for QDI and capital gains
by Hayden
Mon Apr 22, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: State taxes when moving to a new state
Replies: 4
Views: 431

Re: State taxes when moving to a new state

CoastalWinds wrote:
Mon Apr 22, 2019 10:47 am
Tax is based on residency at the time of the transaction. If you do the conversion and/or sale of fund shares while in WA, you will not pay AZ income or cap gains tax. Speaking from first-hand experience, having been in the exact same situation.
Thanks! appreciate the first hand experience!
by Hayden
Mon Apr 22, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: State taxes when moving to a new state
Replies: 4
Views: 431

State taxes when moving to a new state

I am planning a retirement move from Washington (no state tax) to Arizona. I have two questions: 1) i-orp says i should do a large Roth conversion this year. If i do the Roth conversion before the move, do I have to pay Arizona taxes on the move? Or is it taxed based on my state of residence on the ...
by Hayden
Sun Apr 14, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1332
Views: 136633

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

We are addicted to Halt and Catch Fire. It's the story of computer startups in the 80s. We can't stop watching.
by Hayden
Sat Apr 13, 2019 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Young And Senior Community
Replies: 10
Views: 1210

Re: Young And Senior Community

We are about to purchase in a new 55+ community. We looked at many established communities, where the average age was higher. We found that at new communities, still under construction, the average age is lower and everyone is extremely friendly because everyone is new and looking to make new friend...
by Hayden
Wed Mar 13, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Incomplete Form 8606
Replies: 3
Views: 264

Re: Incomplete Form 8606

If you did a Roth conversion in Feb 2019, it would be reported on your 2019 tax return, not the return you just filed.
by Hayden
Mon Mar 11, 2019 10:29 am
Forum: Personal Investments
Topic: Hard copies
Replies: 12
Views: 982

Re: Hard copies

Save PDFs. We're actually in the process of converting old paper statements and such to PDFs so that when we retire, and move, in a little over 2 years we don't pay to bring it with us. +1 I'm scanning and shredding my old paper files. I'm concerned that the paper will go missing as we move and tra...
by Hayden
Sat Mar 09, 2019 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Turbo-Tax for Business Question
Replies: 3
Views: 302

Re: Turbo-Tax for Business Question

I use TT Business, and I always go through the interview and answer the questions in the order they ask them. Is there some reason you dont want to do that?
by Hayden
Sat Mar 09, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3843
Views: 1105083

Re: What Book Are You Currently Reading? Part VI

I read Bad Blood, the story of Theranos. It was an absolutely amazing story. I find it amazing that all of these highly capable people were duped. Great cautionary tale. It has also gotten me interested in patents. Apparently, she had hundreds of patents even though the technology did not work. In m...
by Hayden
Mon Mar 04, 2019 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Form 8606 Lines 6 and 8 Blank
Replies: 3
Views: 295

Re: Form 8606 Lines 6 and 8 Blank

Tax software produces Form 8606 in a different way than you would do it by hand. Lines 6 - 12 may be blank because all that is done in the background on a worksheet (which is what your form is telling you). If it got the taxable amount right and line 14 right, don't worry about it. We have seen thi...
by Hayden
Mon Mar 04, 2019 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Form 8606 Lines 6 and 8 Blank
Replies: 3
Views: 295

Form 8606 Lines 6 and 8 Blank

I'm using Turbotax desktop to complete form 8606. It has left lines 6 (value of IRAs as of 12/31) and line 8 (amount converted) blank. It has put the conversion amount on line 16. It put in a bunch of * on the form, with the notation * From Taxable IRA Distribution Wkst As i read the instructions fo...
by Hayden
Wed Jan 02, 2019 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 398
Views: 59779

Re: Fidelity free Turbotax

thanks, so what is the qualification to be invited to the Fidelity Holiday Event . Well, being a Private Client to start. Not sure what beyond that since they do not get any fees from me. This is two years in a row that I have been invited a week before the event so I'm not sure if someone else dec...
by Hayden
Thu Dec 27, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Fulbright scholar
Replies: 7
Views: 869

Re: Fulbright scholar

I think it is a great growth experience, particularly if she picks someplace particularly interesting. Not sure how much it will help her professionally; interning at Google might be better. But, these types of experiences are very difficult to do once one is started in their career. I suggest takin...
by Hayden
Mon Dec 17, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Mentally active retirement communities
Replies: 9
Views: 1037

Re: Mentally active retirement communities

delamer wrote:
Mon Dec 17, 2018 7:00 pm
What do you envision when you think of a computer club?
Writing apps, web sites, hacking (computer security). People involved in startups, trying new things.

Maybe I need to be near a university...
by Hayden
Mon Dec 17, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Mentally active retirement communities
Replies: 9
Views: 1037

Mentally active retirement communities

I've been visiting active adult retirement communities (Del Webb, etc) and I really like how friendly and social the communities are. I like all the clubs and activities. But, when I ask about the computer club, they tell me about classes on how to use email and Facebook. Not what i have in mind. Th...
by Hayden
Mon Dec 17, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Stand up desks: Jarvis vs UpLift vs ?? (Help me shop)
Replies: 34
Views: 2726

Re: Stand up desks: Jarvis vs UpLift vs ?? (Help me shop)

I had a desk top that worked for me. I bought the Jarvis hardware (everything except the top,) and attached it to my top. Works great. Even if you dont already have a top, you could probably save yourself $ by buying a top locally from an office store, and attaching the Jarvis hardware. In my area, ...
by Hayden
Mon Dec 17, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Gift Ideas for wife
Replies: 76
Views: 5698

Re: Gift Ideas for wife

Does she have a kindle? That would be a nice gift for a reader.
by Hayden
Sat Dec 15, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 190
Views: 14810

Re: Obamacare (ACA) Ruled Illegal by Texas Federal Court

Keeping it to my situation. I would be affected. Plan A would be to hope my state legislature steps in and does something. Since I live in California, that seems like a plausible thing to hope for. Plan B would be to go back to work. I’m only a couple of years away from working, and I still get con...
by Hayden
Fri Dec 14, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 63
Views: 7217

Re: Is expensive olive oil worth it?

The main thing I learned about olive oil when I was in Italy is that it needs to be fresh, never older than a year. I used to buy the big containers at Costco, but I cant go through that much in a year. So now I buy small bottles.
by Hayden
Fri Dec 14, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: How to evaluate quality of health insurance options
Replies: 12
Views: 748

Re: How to evaluate quality of health insurance options

I do not know of any silver bullet (personally think there is a possible market to help answer questions like this though that is a separate topic) ... but one idea is for you to: 1) Find some "household" names in the area or state such as Aetna or BCBS 2) Find their least restrictive (e.g. PPO, no...
by Hayden
Thu Dec 13, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: How to evaluate quality of health insurance options
Replies: 12
Views: 748

Re: How to evaluate quality of health insurance options

A few comments and observations: - you might have great health insurance, but bad care/results if you pick the wrong physicians. - I almost never believe patient surveys or testimonials about physicians. In my opinion, lots of folks just love bad or mediocre physicians. Agreed. So what's the advice...
by Hayden
Thu Dec 13, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: How to evaluate quality of health insurance options
Replies: 12
Views: 748

Re: How to evaluate quality of health insurance options

squirm wrote:
Thu Dec 13, 2018 10:53 am
Just read the EOB's.
Online reviewers said their health was suffering because the insurance company was denying their PCP's referrals to specialists. People said they could not get in to see primary care doctors and specialists. Reading the EOBs wouldn't tell you stuff like that.
by Hayden
Thu Dec 13, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: How to evaluate quality of health insurance options
Replies: 12
Views: 748

How to evaluate quality of health insurance options

I'm looking to buy a retirement home in a warmer location. I am many years from medicare, so will be purchasing ACA health insurance. I like Summerlin, Las Vegas. Looked up the health insurance options on the government website, and they were companies I was not familiar with (eg, Health Plan of Nev...
by Hayden
Wed Dec 12, 2018 5:14 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1040
Views: 92462

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Has anyone successfully transferred the money from HSA Bank to Fidelity? Mine has not yet gone through. Yes, there have been several in this thread (I know it's many pages long and hard to read). If you look at my posts, you'll see that I started mine Nov 22 and it posted Dec 6. I would expect arou...
by Hayden
Wed Dec 12, 2018 11:14 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1040
Views: 92462

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Has anyone successfully transferred the money from HSA Bank to Fidelity? Mine has not yet gone through.
by Hayden
Wed Dec 12, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: Early retirement mistakes???
Replies: 37
Views: 6547

Re: Early retirement mistakes???

We are deciding where to move for retirement, and I have to check on health insurance availability as part of that decision. We found one place we like, but there were few health insurance options and the reviews of those companies were absolutely awful, so we decided not to move there. Note that I ...
by Hayden
Wed Dec 12, 2018 10:55 am
Forum: Personal Investments
Topic: My PenFed 5 yr CDs are maturing
Replies: 39
Views: 3572

Re: My PenFed 5 yr CDs are maturing

I prefer having my CDs mature at staggered dates, aka a CD ladder. That way, they all do not mature at a time when the rates are low, and if rates increase, I will not have to wait a long time to take advantage of the increase. The price for this "insurance" is a lower yield on the shorter CDs you ...
by Hayden
Tue Dec 11, 2018 1:13 pm
Forum: Personal Investments
Topic: My PenFed 5 yr CDs are maturing
Replies: 39
Views: 3572

Re: My PenFed 5 yr CDs are maturing

My PenFed 5 yr CDs are about to mature. They are set to renew in new 5 yr CDs at a rate of 3.5%. I have no need/plans for this money. I maintain a 50/50 allocation, with these CDs counted as part of the bond allocation; the remainder of the bond allocation is in intermediate term bond index funds a...
by Hayden
Tue Dec 11, 2018 11:04 am
Forum: Personal Investments
Topic: My PenFed 5 yr CDs are maturing
Replies: 39
Views: 3572

My PenFed 5 yr CDs are maturing

My PenFed 5 yr CDs are about to mature. They are set to renew in new 5 yr CDs at a rate of 3.5%. I have no need/plans for this money. I maintain a 50/50 allocation, with these CDs counted as part of the bond allocation; the remainder of the bond allocation is in intermediate term bond index funds at...
by Hayden
Mon Dec 10, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1332
Views: 136633

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

Designated Survivor
The Marvelous Mrs Maisel

Loved them both, although they are completely different
by Hayden
Sun Dec 09, 2018 11:16 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1040
Views: 92462

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I receive the Form 5498 each year by logging into my HSA Bank account and downloading the form. If I close the account at HSA Bank, how will I receive the form?

For those of you who closed the account, was there some setting for them to mail the form?
by Hayden
Sun Dec 09, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1040
Views: 92462

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Still not done. Fidelity mailed the transfer form to HSA Bank. HSA Bank says they never received it. So, now my form, with SSN etc, is who knows where. Fidelity is re-mailing the form to them. Apparently the address Fidelity used is for overnight mail only, but Fidelity used regular mail so HSA Bank...
by Hayden
Sun Dec 02, 2018 10:35 am
Forum: Investing - Theory, News & General
Topic: Penfed raises certificate rates 12/1/18
Replies: 25
Views: 3289

Re: Penfed raises certificate rates 12/1/18

Thanks for posting. Mine are set to automatically reinvest in new 5 yr certificates. That is showing 3.5%. is that bad?
by Hayden
Wed Nov 28, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1040
Views: 92462

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Final update: All assets transferred from HSA Bank to TDA without a hitch. No fee from TDA or HSA Bank. Hope others have a similar smooth experience... Congratulations! Any idea what is the secret sauce? I filled out the paperwork and submitted it exactly as directed by Fidelity, and mine has not g...
by Hayden
Tue Nov 27, 2018 3:35 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1040
Views: 92462

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I submitted the transfers from HSA Bank and TD Ameritrade on the 16th, and they have not yet gone through. I used the process provided by Fidelity. Has anyone had a transfer actually completed? Can you report on what, if any, additional submissions were required to TDA and HSA Bank to complete the p...
by Hayden
Sun Nov 25, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: 2018 Business Tax Return Software
Replies: 3
Views: 373

Re: 2018 Business Tax Return Software

I've used TurboTax Business the last couple of years to do my 1120S. It is currently $119 on Amazon. I have no idea if it's any better than the others, but I will probably keep using it simply because I know what I need to do to get it to work for my situation.
by Hayden
Fri Nov 16, 2018 7:30 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1040
Views: 92462

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Hayden, I don't know for sure whether or not you'd need to contact HSA Bank, but I plan on doing so. I can picture them charging their monthly fee for having less than $5000 with them until the total gets to the point where they report me as delinquent. I will budget about an hour for the call: 50 ...
by Hayden
Fri Nov 16, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon says TurboTax 2018 will be released November 12
Replies: 85
Views: 10535

Re: Amazon says TurboTax 2018 will be released November 12

https://www.fidelity.com/tax-information/turbotax-discount/overview I was looking at the Fidelity ‘discount’ page, not the not-yet-available free offer, and saw that I could “start now” and not pay until I file. Does this mean I can do all the analysis now on TurboTax and just wait to file until I ...
by Hayden
Fri Nov 16, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon says TurboTax 2018 will be released November 12
Replies: 85
Views: 10535

Re: Amazon says TurboTax 2018 will be released November 12

Looks like TurboTax Business is available now for $119. Anyone seen a better price? I may just go ahead and purchase it now.