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I am a shareholder in my small firm. We have a formal buy sell agreement that spells out early retirement and part time options for shareholders. One stipulation is that you are not eligible to cut back or retire early without reaching a certain milestone age + service time (for me the # is 50...

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I am very familiar with NUA transactions and my understanding is that the 60 day rollover of the basis leaving 0 basis employer stock in the taxable account is not allowed. I would certainly work with a good accountant or financial planner if you intend on following through with this course of...

During your stay in Seista Key point your GPS towards Yoders in Sarasota. It is an Amish produce store and restaurant that we visited after it was profiled on Man vs Food. Not fancy but good food and reasonably prices. For breakfast try the apple fritter french toast. Welcome to Yoder's...

Just 22 Remember that the original poster is just 22 years old and not at a set salary for life. Retiring on 2 to 2.5x your current salary is possible if you increase your future earnings and save a substantial portion of them by avoiding lifestyle creep. My first job I was making around...

this was posted a year or so ago...

they are ahead of the common and behind the bondholders. I don't think that the series of really matters unless specific provisions are detailed in the offering.

the tax efficient thing to do would be to put your bonds in a tax deferred account and have all equities in the taxable account so that in aggregate you have the correct asset allocation without sacrificing the potential for return by investing in munis.

Its a structured note. Basically you are buying a bond that pays a lump sum based on an underlying index's performance. The issuer hedges the liability with derivatives and profits from a spread of what it costs to hedge vs sales price. I work for an RIA and we use these for commodity...

This is definitely a strange first post. Usually people search out this forum for investment advice not ab workouts. The one thing that I do know on the topic though is that six pack abs don't come from incessant sit-ups. They come from lack of fat in the abdominal region to show muscles that...

One thing that I did that no one has mentioned was glue batt insulation to the attic access panel so that when we close the attic access it forms a better seal against leaking air. You could even improve upon that by using weather stripping around the edges .

I am going on a short work trip to Vegas next month and would like to drive out to Sequoia and Kings Canyon 4 days beforehand. Does anyone have any suggestions on trails to hike or things to see? Which park do you like better? How would you split your time?

When I built my home last year we bought all fiberglass french doors with one handle but both sides operable for ~ $1000 to put in the basement. We also bought a single wood interior fiberglass exterior Marvin door for $1000. It would have been $2000 for the wood/fiberglass double door. Both...

I am 30 years old and in reasonably good shape. I was a swimmer in college and am accustomed to high intensity workouts. My resting HR is ~40. My wife, a physical therapist, has a theory that I don't need to raise my heart rate as much for aerobic activity as much as average person because my...

My new favorite hidden "fee" is when mutual funds or ETFs lend securities to short sellers then keep the fee charged to the short seller instead of returning it to the shareholder. This is not part of the ER and I don't believe that the amount the manager earns doing this is a required disclosure.

I use a Vasa Trainer which is designed for swimmers. It is a common piece of equipment at collegiate and club swim programs. Well built, simple, and a killer exercise. I have never tried the ergometer version listed on their website. Vasa Ergometer Swim Bench, Canoe and Kayak paddling machine...

If he used to use a Nalgene or similar bottle he could be referring to this November/December 2003 - Sierra Magazine - Sierra Club I use polycarbonate bottles like Nalgene but hand wash them so I am not too concerned.

I think this is a chicken or egg scenario. I think the study could have just as easily found that men who get more sex are more willing to do work around the house.

If your AGI is too high for Roth no matter what you can still contribute to a Roth 401k if your company offers that option. Option 2 is contribute to a non deductible IRA and convert in 2010 (I think) when anyone regardless of AGi is allowed to convert.

regarding the loads on funds: A FA can buy a load waived version of a fund as long as he is charging an advisory fee. It may even have the same ticker as the loaded version. So just because the fund typically has a load does not mean that the load was charged. For instance I use American...

Excellent choice of vehicle. My 92 Accord is up to 208000 miles. I have put maybe $1000 into it, excluding oil changes, since acquiring it 7 years and 120000 miles ago. Of course I never bother to fix some things: back door won't lock with rest when hitting the automatic lock, other back window...

Health insurers tumble after New York AG launches industry-wide probe HUM is probably one of the bigger offenders for manipulating reimbursement rates. UNH is being investigated, also a big offender. Further investigations may involve HUM so that is the reason for the drop. Docs on the...

also disadvantages: no immediate tax deduction, you pay distributed capital gains (obviously avoidable), part of your assets in divorce or college funding calculations for children, can't take advantage of giving appreciated investments, no immediate impact for charity. Some of these can be...

18.5%, financial industry. Rewards for not buying subprime CDOs I guess. I certainly don't expect that much every year. Two pieces of advise, from this board I think, helped me change jobs to one where my salary has gone up >65% (1 promotion, 12.5% and 3 salary reviews, remainder) over the...

Some additional suggestions Have builder pour slabs/foundation to minimize the number of steps into garage and house. If you are not concerned about wheel chairs you may consider using wall oven in kitchen and a raised dishwasher. These will reduce bending over. If you are tall in...