Search found 1252 matches

by Hayden
Mon Nov 11, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Company Reviews
Replies: 15
Views: 1229

Re: Health Insurance Company Reviews

Thanks everyone for the help. I'm doing as you suggested, researching doctors, and then checking what plans they are in. Right now, it looks like Cigna is the best option. Unfortunately, they do not offer an HSA option. And, they are much more expensive than my current coverage.
by Hayden
Mon Nov 11, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Changing health insurance mid-year
Replies: 2
Views: 276

Changing health insurance mid-year

I'm thinking about moving to Arizona, and i'm trying to think through everything before i make a decision. Right now, i'm with a Kaiser HSA plan. It looks like the best ACA provider in Arizona is Cigna. They do not offer an HSA plan. I understand that if i move mid-year from an HSA plan to a non-HSA...
by Hayden
Wed Nov 06, 2019 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 92
Views: 6892

Re: Turbotax 2019 on Amazon

Turbotax Business is on sale for $119. I think that's as good as it gets, so I will buy now
by Hayden
Tue Nov 05, 2019 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Kaiser in Seattle/Tacoma?
Replies: 8
Views: 1090

Re: Kaiser in Seattle/Tacoma?

I've had multiple people at various doctor's offices in WA tell me that Kaiser is just Group Health. To them, it is no different than GH. It's surprised me every time someone has said that to me. I guess the Kaiser branding hasn't been fully implemented.
by Hayden
Mon Nov 04, 2019 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Company Reviews
Replies: 15
Views: 1229

Health Insurance Company Reviews

I am thinking about moving to Arizona and am looking at the ACA plans, and i see a bunch of companies i've never heard of (Ambetter, Bright, Oscar). I know there is an excellent hospital in the area (Mayo), but it is not in network for any of the ACA plans. All of the plans have zero out-of-network ...
by Hayden
Mon Nov 04, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: No out of network coverage
Replies: 61
Views: 3668

Re: No out of network coverage

Out of network coverage does slightly worry me. I am healthy and take maybe 4-5 vacations a year. Most of the ACA plans don't cover out of network services from what I see. I've had plans in the past that covered out of network but were often limited to in the US. I take 2-3 international trips a y...
by Hayden
Mon Oct 28, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Bronze vs Bronze HSA
Replies: 18
Views: 1322

Re: Bronze vs Bronze HSA

I'm in the same boat. I plan to pay the higher premium to get the HSA plan.

It does seem crazy to me. Why don't they create an HSA plan that is the lowest cost option?
by Hayden
Mon Oct 28, 2019 10:26 am
Forum: Personal Investments
Topic: LLC C-Corp Election to Pay Future Health Insurance and HSA
Replies: 2
Views: 257

Re: LLC C-Corp Election to Pay Future Health Insurance and HSA

Interesting question. I know for my S Corp, my company can pay health insurance even without operating revenue, BUT, the health insurance is not deductible unless the company also pays me wages. I'll be interested to see what answers you get about C Corps
by Hayden
Mon Oct 28, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1551
Views: 164285

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

Ekaterina. It's Russian, with English subtitles. It's about how Catherine the Great, who was German, came to rule Russia. It is well done and I enjoyed learning that bit of history.
by Hayden
Sat Oct 26, 2019 10:21 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4792
Views: 1244894

Re: What Movie Have You Recently Watched?

General Magic. It's a documentary about an early 90s computer startup. The founder's product idea was brilliant and he assembled a brilliant team. But the company went bankrupt and most people have never heard of the company. I highly recommend it.
by Hayden
Fri Oct 18, 2019 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Retired Empty Nester Move from House to Apartment
Replies: 27
Views: 4270

Re: Retired Empty Nester Move from House to Apartment

we did this, had no problem whatsoever getting approved. The "luxury high-rise apartment" was well accustomed to dealing with this situation.
by Hayden
Sat Oct 12, 2019 12:45 pm
Forum: Personal Investments
Topic: Equity in S-Corp
Replies: 7
Views: 575

Re: Equity in S-Corp

I'm curious because I'm in a similar situation. What is the difference between selling the shares back to the company, versus selling the shares to another shareholder, at a mutually agreed upon price. If it's an S corporation, if there's only one other shareholder it probably won't matter, but if ...
by Hayden
Sat Oct 12, 2019 10:58 am
Forum: Personal Investments
Topic: Equity in S-Corp
Replies: 7
Views: 575

Re: Equity in S-Corp

I'm curious because I'm in a similar situation. What is the difference between selling the shares back to the company, versus selling the shares to another shareholder, at a mutually agreed upon price.
by Hayden
Sat Oct 12, 2019 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Updated longevity calculator - from the actuaries
Replies: 21
Views: 2476

Re: Updated longevity calculator - from the actuaries

Thanks for posting. That was helpful
by Hayden
Fri Sep 13, 2019 1:00 am
Forum: Personal Finance (Not Investing)
Topic: Can Self-Employed people get a PPO Health Insurance Plan?
Replies: 27
Views: 1640

Re: Can Self-Employed people get a PPO Health Insurance Plan?

I have been looking at places to early retire, and this is one of my criteria. If there's a place where an individual can purchase a good health plan, I'd like to know it. I have not found any place with a PPO plan that an individual could purchase. What I see is small networks and 0 coverage for ou...
by Hayden
Thu Sep 12, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Strategy Selling Property Condo
Replies: 6
Views: 495

Re: Strategy Selling Property Condo

Since it's only been on the market for 3 days, I would stick to my price. If you get a low offer, tell them the price is 105
by Hayden
Tue Sep 10, 2019 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Equifax breach settlement update?
Replies: 49
Views: 4424

Re: Equifax breach settlement update?

I have credit monitoring from Experian (free), they have additional premium monitoring services that are extra but the base service doesn't cost anything. I think I ended up with an Experian account from another breach-related free "premium" credit monitoring service offer years ago, once that expi...
by Hayden
Fri Sep 06, 2019 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Yahoo Data Breach Settlement
Replies: 7
Views: 1349

Re: Yahoo Data Breach Settlement

Why do they require my date of birth? In my case, the account was owned by my business (Aabaco Small Business account), not me personally. So why do they need my date of birth? I do not recall receiving a notice about this, but i certainly had an account with Aabaco Small Business. Does anyone know ...
by Hayden
Fri Aug 30, 2019 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Cheaper healthcare in Italy?
Replies: 27
Views: 2384

Re: Cheaper healthcare in Italy?

I had some unplanned medical tourism in Italy. It was an emergency, and was handled similarly to how it would have been handled in the US. The cost was negligible. Less than 100. Cost would certainly have been 100 times that in US.
by Hayden
Mon Aug 26, 2019 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Prepare for Recession?
Replies: 74
Views: 10466

Re: Prepare for Recession?

What I do:
Work out every day - to try to protect my health
Learn something every day - to expand my skills
by Hayden
Fri Aug 23, 2019 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Should my S Corp pay my health insurance
Replies: 16
Views: 1348

Re: Should my S Corp pay my health insurance

In one of the court decisions on reasonable compensation this decade. The court held that a reasonable compensation was required even if it caused an S-Corp to have a loss. Now in that case, the S-Corp had significantly more net profit in the prior and next years. The court ruled the lower net prof...
by Hayden
Thu Aug 22, 2019 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Should my S Corp pay my health insurance
Replies: 16
Views: 1348

Re: Should my S Corp pay my health insurance

No problems as described, but remember, you must have basis in the S-Corp to deduct any operating loss on your personal tax return. Thanks for reminding me about basis issues. Since the capital gain will exceed the operating loss, I’m think I’m fine with respect to basis. It seems like the main tax...
by Hayden
Thu Aug 22, 2019 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Should my S Corp pay my health insurance
Replies: 16
Views: 1348

Re: Should my S Corp pay my health insurance

The benefit of doing this is that: Company can make a solo 401(k) contribution equal to 25% of the amount I can make an IRA contribution.Do you see a problem with doing this? Regardless of whether the W-2 Box 1 amount comes from a actual wages or paid or orreimbursed health insurance premiums. It i...
by Hayden
Wed Aug 21, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Should my S Corp pay my health insurance
Replies: 16
Views: 1348

Re: Should my S Corp pay my health insurance

You would have the same exact W-2 wages regardless whether you paid yourself a W-2 wage or had the S-Corp pay/reimburse health insurance premiums. The only difference is that latter would not be subject to FICA. Note: It is not deducted as an expense on your K-1. It is included on Form 1120S Line 7...
by Hayden
Wed Aug 21, 2019 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Should my S Corp pay my health insurance
Replies: 16
Views: 1348

Re: Should my S Corp pay my health insurance

They are not reported in either Box 3 Social Security wages or Box 5 Medicare wages. It is their report in Box 1 that allows the claiming of the self-employed health insurance deduction. Agreed they aren't reported in boxes 3 and 5. Also agreed that they'd be reported on 1120S. That would have the ...
by Hayden
Tue Aug 20, 2019 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should my S Corp pay my health insurance
Replies: 16
Views: 1348

Re: Should my S Corp pay my health insurance

My S Corp will have about $1000 in revenue this year. I have no idea what the future will hold. The company also will realize significant capital gains this year. So the company has money in the bank; this is not a cash flow question. If the company reimburses me for my health insurance…. It gets r...
by Hayden
Tue Aug 20, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Should my S Corp pay my health insurance
Replies: 16
Views: 1348

Should my S Corp pay my health insurance

My S Corp will have about $1000 in revenue this year. I have no idea what the future will hold. The company also will realize significant capital gains this year. So the company has money in the bank; this is not a cash flow question. If the company reimburses me for my health insurance…. It gets re...
by Hayden
Tue Aug 20, 2019 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Looking for a computer coding mentor
Replies: 13
Views: 1250

Re: Looking for a computer coding mentor

OP: for where you are right now, I think the bogleheads can provide what you are looking for.

I am in a similar situation to the OP.

Can someone comment on the pros/cons of freecodecamp vs taking courses on Coursera. I have been taking Coursera classes and have found them to be excellent.
by Hayden
Mon Aug 19, 2019 8:19 pm
Forum: Personal Consumer Issues
Topic: Pharmacist to Data Analyst Role
Replies: 38
Views: 3207

Re: Pharmacist to Data Analyst Role

I've been taking courses online, and some of them are excellent. It is now possible to obtain an MS degree in data science from a top university entirely online -- I know this because I keep receiving emails advertising the programs. Sign up with edX and Coursera. I think it is amazing the courses a...
by Hayden
Mon Aug 19, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 11181

Re: Aliens have captured my husband [wants to buy a Porsche]

been there. Bought a new car that we absolutely did not need, only to have it sit idle for 6 months while we travelled. :oops: :oops: :oops: :oops:
Ultimately i decided it was not worth spending my limited energy arguing about.
by Hayden
Fri Aug 16, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Computer Encryption Help
Replies: 12
Views: 772

Re: Computer Encryption Help

It might be a driver issue. Have you tried updating BIOS and drivers? Check HP's site as it may have drivers not available on Windows Update. Also, does it actually say TPM 2.0 in Device Manager? I have not tried updating on HPs site. I just rely on Windows Update. I'll go check HPs site to see if ...
by Hayden
Fri Aug 16, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: Computer Encryption Help
Replies: 12
Views: 772

Re: Computer Encryption Help

Be aware that if you use whole disk encryption, you no longer can recover files if your hard drive partially fails. You will want to have reliable backups of your data. I backup to an external hard drive and to CrashPlan. This computer has two hard drives. My sensitive files are all on D:. I'm hopi...
by Hayden
Fri Aug 16, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: Computer Encryption Help
Replies: 12
Views: 772

Re: Computer Encryption Help

I believe you need the pro version to enable bitlocker. Its been a while since I last check but when I bought my HP the compatibility list said bitlocker only worked with Win 10 Pro. Not sure what it cost to upgrade. Yes, the internet says if I upgrade to Win Pro then I get Bitlocker. Cost is $100....
by Hayden
Fri Aug 16, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Computer Encryption Help
Replies: 12
Views: 772

Re: Computer Encryption Help

student wrote:
Thu Aug 15, 2019 12:05 pm
Forget about device encryption. I suggest veracrypt for full disk encryption. https://www.veracrypt.fr/en/Home.html
Thank you. Would you encrypt entire disk, or just your sensitive files?
by Hayden
Thu Aug 15, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: Trail running shoes for light hiking
Replies: 48
Views: 3451

Re: Trail running shoes for light hiking

I absolutely love Scarpas. they fit my feet perfectly. Fit is so personal, i think you need to visit a good hiking store and try some on.
by Hayden
Thu Aug 15, 2019 11:57 am
Forum: Personal Consumer Issues
Topic: Computer Encryption Help
Replies: 12
Views: 772

Computer Encryption Help

I don't want to hijack the "Do you lock computers" thread. so i'm starting a new thread for my specific issue. I have a new HP computer. Since it is new, i tried HP support to help me. I spent over an hour with an HP technical support specialist who seemed to know less than I do, and was unable to h...
by Hayden
Thu Aug 15, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: Do you "lock" computers in your home?
Replies: 77
Views: 5735

Re: Do you "lock" computers in your home?

There seems to be a lot of confusion over this - Microsoft says Windows 10 Home doesn't have BitLocker, but that doesn't mean that you can't encrypt drives. I've done just that on my Windows 10 Home machines. I'm not 100% clear on this stuff, but it seems that if your PC has a Trusted Platform Modu...
by Hayden
Wed Aug 14, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: I wanted to teach myself computer programming.
Replies: 64
Views: 5475

Re: I wanted to teach myself computer programming.

Take a look at the online courses available from Coursera and edX. There are a huge number to choose from.

The course Python for Everyone on Coursera is excellent. But I'm sure many of the other offerings are excellent as well.
by Hayden
Wed Aug 14, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Do you "lock" computers in your home?
Replies: 77
Views: 5735

Re: Do you "lock" computers in your home?

*unlocks computer* I use full disk encryption on every drive, including removable drives. And I lock the computer when I'm not physically sitting at it. The main reason I lock it is that I'm required to do so at work, even if I'm just getting coffee or retrieving a printout. So it's easier to do it...
by Hayden
Mon Aug 12, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 146
Views: 15938

Re: What is your hobby and how did it come to be your hobby?

I take computer classes online (Coursera, edX, Udacity, Udemy). I'm enjoying Python, data science, and machine learning now. I don't know if I'll do anything with it, but I'm enjoying learning how all the devices in my life (Alexa, etc) work.
by Hayden
Fri Aug 09, 2019 2:14 pm
Forum: Personal Consumer Issues
Topic: Perpetual Travelling
Replies: 80
Views: 18482

Re: Perpetual Travelling

This thread is > 4 years old and wondering if anyone has any updates to make? Particularly with respect to taxes, insurance, banking, domicile, etc. We have been on the road for 13 months now, and don't yet have plans to settle down. So, I guess I'm qualified to tackle your questions: Taxes: We are...
by Hayden
Tue Jul 30, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: Simplicity
Replies: 59
Views: 7238

Re: Simplicity ["Minimalism” Movie on Netflix]

I've been decluttering in anticipation of a move. The biggest chore for me has been going through my old files. I go through each piece of paper, and scan what needs to be retained. I have a great scanner, but it is still incredibly time consuming to scan boxes and boxes of papers. But, I'm glad to ...
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: 1991

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: 247

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: 104
Views: 15948

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: 485

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: 3332

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: 3332

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: 1247

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.