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Re: How hard is it to set up a solo 401k?

So here's the scheme: I claim a trivial amount of self-employment income, set up a solo 401k, clear up my traditional IRA, and then use my now-empty traditional IRA to do backdoor roth contributions. You can't just claim a trivial amount of self-employment income. You have to actually make the inco...
by ieee488
Sun Apr 26, 2015 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: How hard is it to set up a solo 401k?
Replies: 10
Views: 774

Re: deadbeat in group

I spent a good deal of time working in software development and research. More than forty hours a week was expected, particularly if a project was in trouble. If you just work 40 hours and go home at 5pm, you may be seen as a deadbeat yourself. Just be glad you aren't working on a project with him....
by ieee488
Sat Apr 25, 2015 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: deadbeat in group
Replies: 7
Views: 2321

Re: 12b-1 and total ER in decision

In my attempts to rebalance to get to my desired AA (75:25 stocks:bonds), I need to add to my bond assets in my IRA. Age 45 years (desired retirement 67 years) Total amount $ 10,000 Choice between AGG iShares Core US Aggregate Bond (ER 0.09% but $ 8.95 fee in Schwab; distribution yield 2.25%) PTTDX...
by ieee488
Sat Apr 25, 2015 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: 12b-1 and total ER in decision
Replies: 1
Views: 147

Re: Advise For Buying A House From A Big-Box Builder

Both my parents and I have bought from "big box" builders. The housing market may be coming back which is why your builder may be reluctant to negotiate. I did not upgrade anything. As I recall some of the upgrades were to be done through the subcontractors. The builder automatically upgra...
by ieee488
Sat Apr 25, 2015 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice For Buying A House From A Big-Box Builder
Replies: 11
Views: 1642

Re: Input requested on unwinding accounts my parents opened

If you can, you might want to edit your subject line to specifically state Variable Appreciable Life Policy, UMTA, EE and E savings bonds
by ieee488
Sat Apr 25, 2015 5:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with VAL policy, UTMA accounts, and EE/E Savings Bonds
Replies: 10
Views: 701

Re: deadbeat in group

That being said, it may not be your job to get involved in this. I say "may" because it depends on security rules in some cases. In my former job with government clearances, we were advised to make note of problematic coworkers... I wasn't planning on getting involved with this. This is a...
by ieee488
Sat Apr 25, 2015 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: deadbeat in group
Replies: 7
Views: 2321

deadbeat in group

After 2 months in my new "temp" job, I have learned that there is a deadbeat in the group. He is so bad, he actually didn't show up at work but did not take PTO when my manager went on vacation. I am currently working on a project where I feel pressured - unspoken - to put in extra time be...
by ieee488
Fri Apr 24, 2015 7:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: deadbeat in group
Replies: 7
Views: 2321

Re: Work adjustment options

If possible I would choose to cut down to 4 days a week. Not always possible with a megacorp. If you are able to do that, I would insist on being paid hourly instead of on a salary. This also may not be possible with a megacorp. The concern there is that you end up putting in the 40 hours of work fo...
by ieee488
Sun Apr 19, 2015 3:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Work adjustment options
Replies: 19
Views: 1406

Re: noise-blocking headphones

How about a pair of earmuffs that they use when you are a gun range?

I agree with you that it is hard to enjoy the great outdoors when it is NOISY.
by ieee488
Wed Apr 15, 2015 9:10 pm
 
Forum: Personal Consumer Issues
Topic: noise-blocking headphones
Replies: 39
Views: 3071

Re: question about penalty for lack of health insurance

earlyout wrote:You do get the tax benefits of being married all year so perhaps the MFJ status applies all year to the ACA penalty. I don't know.



Perhaps the OP should see whether Married Filing Separately yields more advantageous results?
by ieee488
Sun Apr 12, 2015 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: question about penalty for lack of health insurance
Replies: 7
Views: 898

Re: question about penalty for lack of health insurance

Ignore. You don't have to pay the penalty. The government cannot come after you in any way, liens, interest, late-fees, etc. Can you explain this further? ADD: At any rate, I believe the maximum penalty for 2014 is $72. Not sure where you get $2400. Maybe run the numbers on TaxAct just to double-ch...
by ieee488
Sun Apr 12, 2015 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: question about penalty for lack of health insurance
Replies: 7
Views: 898

Re: Another new two comma club member

FedGuy wrote:
stilts1007 wrote:Congrats! Splurge on some guacamole :)


Nah...I'm too cheap for that.



Guacamole is included if you get the vegetarian burrito. That's what I order. Yum!
by ieee488
Sat Apr 11, 2015 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another new two comma club member
Replies: 13
Views: 1639

Re: Lawn Sprinkler System

There are informative videos on Youtube.

The builder had a subcontractor put in a system for my house.
Last summer one fo the heads wasn't putting out much water.
Youtube video to the rescue.

Changing heads looks to be fairly easy.
by ieee488
Thu Apr 09, 2015 7:34 pm
 
Forum: Personal Consumer Issues
Topic: Lawn Sprinkler System
Replies: 5
Views: 629

Re: Manufactured Spending - Good Idea / Bad Idea?

There is no need to do it "big time." Getting 4 credit cards/year with 50,000 miles each, gives one 200,000 miles/year which is enough for 2 x 70,000 mile free flights to Asia + 1 x 60,000 mile free flight to Europe. Of course, in the real life the calculations are not so clean: the miles...
by ieee488
Sat Apr 04, 2015 6:33 am
 
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 9580

Re: Manufactured Spending - Good Idea / Bad Idea?

I suspect that many of the people are doing funny accounting when they add up their earnings from these schemes. You usually do these deals to get travel rewards and not straight cash back. If I earn a free flight with American Airlines that costs $800, but jetblue flies the same route and time for...
by ieee488
Sat Apr 04, 2015 6:27 am
 
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 9580

Re: VRBO rental gone awry- recourse for security deposit?

A few hours driving? Let's say four hours, 200 miles of driving, and time off from work. I'd keep the deposit too. I have to drive that far on occasion, and at my age it's exhausting. Plus you blew their day. As to their calling neighbors, maybe they don't know any of the neighbors. I call BS. I si...
by ieee488
Sat Apr 04, 2015 6:22 am
 
Forum: Personal Consumer Issues
Topic: VRBO rental gone awry- recourse for security deposit?
Replies: 50
Views: 5029

Re: sign up for another credit card ?

I signed up for the offer online.

This one was a bit sneaky.
Even though it said I was prequalified until 5/17/15, the cash bonus is only valid if I apply one or before 3/31/2015.
by ieee488
Mon Mar 30, 2015 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: sign up for another credit card ?
Replies: 6
Views: 836

Re: Schedule D/1099B/Form 8949 Question

ieee488, Thanks for your reply. Yes, capital gains were reinvested also. I need to include capital gains that were reinvested from 2006 to the day until I sold the fund (2014), right? Because you did not stop the re-investment, you will have short-term gain/loss and long-term gain/loss. Most likely...
by ieee488
Mon Mar 30, 2015 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Schedule D/1099B/Form 8949 Question
Replies: 5
Views: 437

Re: Hate where we live, do we make major changes?

Wow, I am surprised about Delaware. It is actually first on my list of retirement states. To the OP, if you can, go to a place where you think you would like to live and actually live there. I have lived in 8 places since graduating college. I lived in the panhandle of Texas, NYC, and central Ohio g...
by ieee488
Sun Mar 29, 2015 8:15 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 12280

Re: Schedule D/1099B/Form 8949 Question

Were your capital gain distributions re-invested?
If so, that would also be a part of your cost basis.

Otherwise, you are doing it right.
by ieee488
Sun Mar 29, 2015 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Schedule D/1099B/Form 8949 Question
Replies: 5
Views: 437

Re: sign up for another credit card ?

You've convinced me. :-)
by ieee488
Sun Mar 29, 2015 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: sign up for another credit card ?
Replies: 6
Views: 836

sign up for another credit card ?

I received an offer from TD Bank. $200 cash bonus when I spend $500 within the first 90 days. There is 5% cash back on the first 6 billing cycle, but there are restrictions in the small print, so I won't be counting on that. After that it is 1% cash back. There is no reason to sign up for this credi...
by ieee488
Sun Mar 29, 2015 9:42 am
 
Forum: Personal Finance (Not Investing)
Topic: sign up for another credit card ?
Replies: 6
Views: 836

Re: I'm a single 38 yo female needing financial advice

You'll want to open a 401(k) for that freelancing income unless of course, it is "under the table".
by ieee488
Fri Mar 27, 2015 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm a single 38 yo female needing financial advice
Replies: 18
Views: 3142

Re: Best Bank for Checking Account

I have an interest free checking account at a major brick bank that is very convenient. It pays not interest so I am tempted to look around for a better checking that is free and pays interest and has no gotchas. Then I figured out what an average balance would be and the interest it would generate...
by ieee488
Wed Mar 25, 2015 9:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Best Bank for Checking Account
Replies: 29
Views: 2710

Re: Best Bank for Checking Account

My main checking account is with a local bank.
No fees. Just keep $100. No interest.

I don't use ATMs so nationwide ATMs are not important to me.
by ieee488
Tue Mar 24, 2015 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Best Bank for Checking Account
Replies: 29
Views: 2710

Re: VBRO and Airbnb versus property values

4nursebee wrote:Do you care about this? Is it your fight?

Why wouldn't it be his fight?

The house is across from his. I would be very concerned and not in the least bit happy.

The HOA might want to contact the city/municipality as well.
If the owner is operating a "hotel" or not.
by ieee488
Sun Mar 22, 2015 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Neighbor violating HOA rules by using] VBRO and Airbnb
Replies: 38
Views: 3992

Re: COBRA vs ACA

It appears that, once I chose a gold PPO plan, all of my normal health providers were listed as accepting the insurance plan. These plans cost just shy of $400/month. Any lower tier resulted in none of my doctors being listed as accepting the insurance plan. I am on the silver EPO plan. My doctors ...
by ieee488
Sat Mar 21, 2015 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: COBRA vs ACA
Replies: 35
Views: 2302

Re: Newly retired teacher - tax questions

She doesn't get a 1099 from this activity Whether she receives a 1099 or not is not relevant. If she meets the threshold that was linked in the previous post, she needs to report the income. She can also open a solo 401(k) from the earnings. In 2014, deducted my medical insurance premium for the mo...
by ieee488
Sat Mar 21, 2015 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Newly retired teacher - tax questions
Replies: 5
Views: 650

Re: COBRA vs ACA

I switched over to ACA on January 1, 2014. I had COBRA for 3 months. Since I was uncertain about 2014 income, ACA worked out for me. My PCP accepted the Blue Cross Blue Shield plan that I purchased. I had no issues. Prior to ACA and when I lived in a different town, I had another primary care physic...
by ieee488
Fri Mar 20, 2015 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: COBRA vs ACA
Replies: 35
Views: 2302

Re: Laptop: Windows based vs. Apple

Stonebr wrote: Powering up the Mac takes only a few seconds. With the Windows machine I used to use at work, I could drink a mug of coffee in the time it took to boot up in the morning.


My Windows 7 Pro work laptop boots up in seconds as well.
The specs i7-4610M CPU, 8 GB of RAM.
by ieee488
Mon Mar 16, 2015 12:20 pm
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 86
Views: 6325

Re: Laptop: Windows based vs. Apple

There are already many discussions on this topic. It generally degenerates into arguments which convinces no one. Just do what you want to do. The thing that throws me a little bit is how little storage you get with an Apple vs. windows based desktop. The answer you hear is "Well, you should st...
by ieee488
Mon Mar 16, 2015 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 86
Views: 6325

Re: Portland transportation

westie wrote:Oregon?

Maine?

Did I miss it?


No, you didn't miss it.

I suppose it was "assumed" we all know it was Portland, Oregon. [rolling eyes]
by ieee488
Mon Mar 16, 2015 6:28 am
 
Forum: Personal Consumer Issues
Topic: Portland transportation
Replies: 20
Views: 1926

Re: Bookshelf/ Tabletop Audio

Are you expecting the system to come with a dock or do you already have a dock?
by ieee488
Mon Mar 16, 2015 6:25 am
 
Forum: Personal Consumer Issues
Topic: Bookshelf/ Tabletop Audio
Replies: 5
Views: 553

Re: Barclays - Personal Banking?

No two-factor authentication.
You have answer 2 challenge questions.
by ieee488
Sun Mar 15, 2015 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Barclays - Personal Banking?
Replies: 3
Views: 369

Re: outdoor wireless camera

The Arlo camera takes batteries.

I was hoping to make use of the outdoor electrical outlet.
by ieee488
Sun Mar 15, 2015 6:23 pm
 
Forum: Personal Consumer Issues
Topic: outdoor wireless camera
Replies: 2
Views: 595

Re: Solo 401k & tax filing - Employee/employer contributions

I've found Turbo Tax miscalculates the solo 401(k) max contribution. It's very likely your maximum employer contribution is much less than $5500 that Turbo Tax is telling you. Best to calculate it yourself based on below. https://www.bogleheads.org/wiki/Solo_401(k)_plan Thank you for the link. It i...
by ieee488
Sat Mar 14, 2015 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solo 401k & tax filing - Employee/employer contributions
Replies: 4
Views: 369

outdoor wireless camera

I have a covered electrical outlet outside my front door. As an experiment, I would like to buy an outdoor camera that will transmit what it sees to a PC(?) inside the house so that the video can be stored. DLink has several listed on their website. Not sure which one to choose. http://us.dlink.com/...
by ieee488
Sat Mar 14, 2015 7:46 pm
 
Forum: Personal Consumer Issues
Topic: outdoor wireless camera
Replies: 2
Views: 595

Re: BEWARE-Dell Computer Tech Service (India)

We all know that Dell has a Long history of fraud . Their track record is what it is. Like the Dead Parrot sketch in Monty Python, they have a history. If you disagree you are certainly welcome to your own opinion. If you are happy then by all means stay happy, but their track record is what it is....
by ieee488
Thu Mar 12, 2015 7:18 pm
 
Forum: Personal Consumer Issues
Topic: BEWARE-Dell Computer Tech Service
Replies: 39
Views: 3524

Re: BEWARE-Dell Computer Tech Service (India)

Dell Pro support is domestically based and is generally of a much higher caliber of technicians. This is their business support (though anyone can purchase pro support). I just went to Dell.com and selected a consumer-grade Inspiron laptop. I don't see the ability to choose Pro Support. I see it wi...
by ieee488
Wed Mar 11, 2015 9:35 pm
 
Forum: Personal Consumer Issues
Topic: BEWARE-Dell Computer Tech Service
Replies: 39
Views: 3524

Re: Just cut my cable bill...

I went from comcast triple play whatever fro $ 208 /mo :shock: to 'Blast Plus'. Moved the landline to ObiTalk +Google Voice (free). Bought a (better) router, rather than rent a crppy one. Ditched the DVR. Still have HD basic cable +HBO, high-speed internet and a landline, $ 116 /mo. Works out to ab...
by ieee488
Sun Mar 08, 2015 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5657

Re: Not sure what to do or ready?

mule wrote:I have 3 million in stock funds 75% and the rest in money market/CD. I owe no one anything and I'm 58 years old. My net worth is 500k more.


I am confused. $3M or $500K?
by ieee488
Sun Mar 08, 2015 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Not sure what to do or ready? [Preparing for retirement]
Replies: 17
Views: 1782

Re: Reducing Costs for Internet Service Provider (ISP)

Bounce back and forth between the two competitors.
I am too lazy to do that.
Here, the choice is Verizon FIOS and Comcast.
by ieee488
Sat Mar 07, 2015 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reducing Costs for Internet Service Provider (ISP)
Replies: 10
Views: 1155

Re: Student loan for Masters.

I wouldn't.

Is $50K simply the tuition?
What about the lost income while you are a student? Or are you planning on taking night classes?
by ieee488
Sat Mar 07, 2015 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Student loan for Masters.
Replies: 11
Views: 849

Re: Just cut my cable bill...

I went from comcast triple play whatever fro $ 208 /mo :shock: to 'Blast Plus'. Moved the landline to ObiTalk +Google Voice (free). Bought a (better) router, rather than rent a crppy one. Ditched the DVR. Still have HD basic cable +HBO, high-speed internet and a landline, $ 116 /mo. Works out to ab...
by ieee488
Sat Mar 07, 2015 5:27 pm
 
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5657

Re: Just cut my cable bill...

I ditched Comcast cable over a year ago. Don't regret it all. Have a setup similar to yours. Antenna for local channels, the HD is great. Use a Sony Blu-ray player for Netflix, You Tube and other apps. I have Comcast too. How much are you paying for your internet from them so that you can still hav...
by ieee488
Sat Mar 07, 2015 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5657

Re: Just cut my cable bill...

I ditched Comcast cable over a year ago. Don't regret it all. Have a setup similar to yours. Antenna for local channels, the HD is great. Use a Sony Blu-ray player for Netflix, You Tube and other apps. I have Comcast too. How much are you paying for your internet from them so that you can still hav...
by ieee488
Sat Mar 07, 2015 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5657

Re: Loaning a Friend Money for Downpayment

Why are you making this so difficult?

You say he has no issues with legal paperwork. Then DO it.
by ieee488
Fri Mar 06, 2015 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Loaning a Friend Money for Downpayment
Replies: 20
Views: 1478

Re: self-employed health insurance deduction (line 29 Form 1

When I first applied to coverage, I was not employed, and I guesstimated my 2014 earned income. The guesstimate is low compared to my eventual income. Based on my eventual 2014 earned income, I am not eligible for Premium Tax Credit that I received. So, I can't claim it... Please clarify: It sounds...
by ieee488
Thu Mar 05, 2015 10:22 pm
 
Forum: Personal Consumer Issues
Topic: self-employed health insurance deduction (line 29 Form 1040)
Replies: 5
Views: 418
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