Search found 2634 matches

by neurosphere
Tue Feb 20, 2018 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Public Service Loan Forgiveness-Has it worked for anyone?
Replies: 14
Views: 1703

Re: Public Service Loan Forgiveness-Has it worked for anyone?

Here is an interesting question. We currently file taxes as MFS. Her student loans should be forgiven at the end of 2019, meaning her last payment will be December of 2019. I wonder if we file for forgiveness January 1 but file jointly after the loan has been forgiven for 2019, if they could retroa...
by neurosphere
Tue Feb 20, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Public Service Loan Forgiveness-Has it worked for anyone?
Replies: 14
Views: 1703

Re: Public Service Loan Forgiveness-Has it worked for anyone?

My BIL should have been eligible in October, but he's getting stonewalled. My sister went thru every loan document, making absolutely sure he was eligible and followed rules to the letter. When they made to application for forgiveness, they were told, in essence, that they hadn't paid a high enough...
by neurosphere
Sun Feb 18, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Simulating impact of W-4 changes?
Replies: 8
Views: 775

Re: Simulating impact of W-4 changes?

I currently use a spreadsheet, but I used https://www.paycheckcity.com/calculator/salary/ in the past with great success. I have a spreadsheet to that uses a withholding method found in publication 15-a ("alternative 1") which I find a lot of common payroll companies use. Although, the 2018 pub 15-...
by neurosphere
Sun Feb 18, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax and backdoor Roth IRA error?
Replies: 8
Views: 658

Re: TurboTax and backdoor Roth IRA error?

In general you need to be careful when entering data in Turbo Tax not in the sequence of its interview order. It's a bit of a hassle since you may not have all of the data when you want to start, or you may want to enter things in order of monetary importance. It took me a long to time to figure ou...
by neurosphere
Sun Feb 18, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 46
Views: 2616

Re: Signed up for American Express - "Premium" car rental insurance

It's never clear what is covered or not. In the same documents, Chase says: The Auto Rental CDW benefit provides reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles. later, Covered losses are: • physical damage and/or theft of the covered rental ve...
by neurosphere
Sun Feb 18, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Form 8606 not available according to Turbotax, but Taxact has no issues!
Replies: 10
Views: 3045

Re: Form 8606 not available according to Turbotax, but Taxact has no issues!

The form is not yet available in TaxAct. It allows you to begin the eFiling process, but right before the payment screen it lets you know that eFiling is not available. No sign of when it will be available but they have an option to send an email when it is, likely around 2/15 along with Turbotax. ...
by neurosphere
Sun Feb 18, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 46
Views: 2616

Re: Signed up for American Express - "Premium" car rental insurance

Fyi, I have looked at many cc's, but can't review all. I stand corrected on your card since it says 'physical damage'. I have changed the wording in my above post to 'many', sorry for the unitentional misinformation. I suggest that all who use cc car rental coverage to verify whether it covers all ...
by neurosphere
Fri Feb 16, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 46
Views: 2616

Re: Signed up for American Express - "Premium" car rental insurance

I use & recommend the AMEX Premium car rental insurance. The BIG difference is that AMEX Premium covers 'ANY' damage to bring the car to the condition when rented & theft. All the other cc car rental coverage covers 'collision' damage & theft, read the coverage details. Here are just a few tyes of ...
by neurosphere
Thu Feb 15, 2018 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: When can a married person file Single or Head of Household? [temporary absence question]
Replies: 28
Views: 1035

Re: When can a married person file Single or Head of Household? [temporary absence question]

They can file joint for federal. For CA, they should also file joint, but they should file Form 540(NR) CA Nonresident or Part-Year Resident Tax Return, even though one was a full-year CA resident. On Form CA, they would include all of the income of the full-year CA resident spouse and only the inc...
by neurosphere
Thu Feb 15, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: When can a married person file Single or Head of Household? [temporary absence question]
Replies: 28
Views: 1035

Re: When can a married person file Single or Head of Household? [temporary absence question]

The only thing that is absolutely clearcut is that neither spouse qualifies to file as Single. If Neuro did not recognize that very basic and clearcut issue *immediately*, he has absolutely no business giving any tax advice to this couple. Ha yes, indeed! Initially I got a phone call for student lo...
by neurosphere
Thu Feb 15, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: When can a married person file Single or Head of Household? [temporary absence question]
Replies: 28
Views: 1035

Re: When can a married person file Single or Head of Household? [temporary absence question]

I'm helping a young couple with student loans , and in the process asked for past years' taxes. Married couple lived together until mid 2016. Wife moved out of state with new baby. Each had a job with similar income, each maintained a home. Plan was for husband to move in with wife in mid-2017. Whe...
by neurosphere
Thu Feb 15, 2018 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: When can a married person file Single or Head of Household? [temporary absence question]
Replies: 28
Views: 1035

Re: When can a married person file Single or Head of Household? [temporary absence question]

If there is an intention to return, then the absence is temporary, so both would have to file as MFJ or MFS. You can file in each state as MFJ but show the nonresident spouse as a nonresident in each case. it can be a bit awkward to get this to work on the state forms but it's possible, and is the ...
by neurosphere
Thu Feb 15, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: When can a married person file Single or Head of Household? [temporary absence question]
Replies: 28
Views: 1035

Re: When can a married person file Single or Head of Household? [temporary absence question]

Sounds like this couple are playing kissy face with their student loans. I am curious myself as to the impetus for this, whether it was taxes or loans or both. Neurosphere, if this has an effect on their student loans, and you are acting in any official capacity (which you apparently are not), trea...
by neurosphere
Thu Feb 15, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: When can a married person file Single or Head of Household? [temporary absence question]
Replies: 28
Views: 1035

Re: When can a married person file Single or Head of Household? [temporary absence question]

Here is the text from pub 501: You and your qualifying person are considered to live together even if one or both of you are temporarily absent from your home due to special circumstances such as illness, education, business, vacation, military service, or detention in a juvenile facility. It must ...
by neurosphere
Thu Feb 15, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: When can a married person file Single or Head of Household? [temporary absence question]
Replies: 28
Views: 1035

Re: When can a married person file Single or Head of Household? [temporary absence question]

Since no one can tell for sure how their taxes were actually filed, we can only hope that their accountant did the community property allocation worksheet because CA is the most well known community property state. I suggest that Neuro stay out of their tax affairs. Well, I DO have a copy of their ...
by neurosphere
Thu Feb 15, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: When can a married person file Single or Head of Household? [temporary absence question]
Replies: 28
Views: 1035

Re: When can a married person file Single or Head of Household? [temporary absence question]

If one files HOH, then the other must file MFS. Ug, so regardless of how one interprets "temporary absence" the taxes were not filed correctly. I'm not sure I want to be the one to break the news to them. I was only asked for advice on student loans. :) I guess their options are: 1) Do nothing and ...
by neurosphere
Thu Feb 15, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: When can a married person file Single or Head of Household? [temporary absence question]
Replies: 28
Views: 1035

Re: When can a married person file Single or Head of Household? [temporary absence question]

I'm no expert in this at all, but I don't understand at all how the husband could file as single if he was not considered unmarried, per Pub. 501. I had the same question, in that while I could find language for how a married person could file for HOH, I did not find similar language for how a marr...
by neurosphere
Thu Feb 15, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: When can a married person file Single or Head of Household? [temporary absence question]
Replies: 28
Views: 1035

When can a married person file Single or Head of Household? [temporary absence question]

I'm helping a young couple with student loans, and in the process asked for past years' taxes. Married couple lived together until mid 2016. Wife moved out of state with new baby. Each had a job with similar income, each maintained a home. Plan was for husband to move in with wife in mid-2017. When ...
by neurosphere
Wed Feb 14, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Digital alarm clock suggestions?
Replies: 26
Views: 1696

Re: Digital alarm clock suggestions?

Thanks to everyone who answered. I just pushed the "buy" button at Amazon so if there's anything better I don't want to know about it. Um, you may not want to know the following info, but... I use this alarm about 100 days a year, because it's the alarm used at the hotel where I stay for one of my ...
by neurosphere
Wed Feb 14, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Novice 34 y.o. looking for retirement plan guidance
Replies: 16
Views: 1726

Re: Novice 34 y.o. looking for retirement plan guidance

You got most of it right except that my wife has the IBR loan, not me. We are currently contributing just enough to her 403B plan at work to lower her AGI right to the point where it reduces her loan payment to $0. I don't think it makes sense for her to go any lower (when we still have other tax-a...
by neurosphere
Tue Feb 13, 2018 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Novice 34 y.o. looking for retirement plan guidance
Replies: 16
Views: 1726

Re: Novice 34 y.o. looking for retirement plan guidance

I’ve now spent some time learning about backdoor roth’s. Since we file MFS (which reduces the IRA income limit to 10k, we are both above this amount) it appears that it’s something we could potentially take advantage of. This link from the wiki page was very helpful in understanding the mechanics. ...
by neurosphere
Mon Feb 12, 2018 9:20 pm
Forum: Investing - Theory, News & General
Topic: Explain why long-term bonds aren't awesome
Replies: 20
Views: 1710

Re: Explain why long-term bonds aren't awesome

The VG Target Retirement Income Fund includes 37.3% Total Bond Market Index Fund. How do you leave TBM alone for 4-10 years if you're regularly withdrawing living expenses from the TR Fund? In reality, you may take an interest rate loss on all of the TR fund bond components if rates are rising duri...
by neurosphere
Sun Feb 11, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Playing with Excel Pie Charts: Asset Allocation Visualizer
Replies: 19
Views: 2124

Re: Playing with Excel Pie Charts: Asset Allocation Visualizer

Thanks neurosphere and siamond. In excel 2016 (which I don't have, unfortunately) there's a new chart type called a sunburst chart, which might have some applicability for these sorts of things. I think the sunburst is great. There are certain asset classes which do not need to be represented in ad...
by neurosphere
Sat Feb 10, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Playing with Excel Pie Charts: Asset Allocation Visualizer
Replies: 19
Views: 2124

Re: Playing with Excel Pie Charts: Asset Allocation Visualizer

Also, more basic question: how did you proceed to create such a multi-layer ring chart? Could you share an example? I'd like to learn how to create those multi-ring charts as well. Is 4 the limit on the layers? Not sure but I think this might also be useful to visualize the aggregation of multiple ...
by neurosphere
Sat Feb 10, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Playing with Excel Pie Charts: Asset Allocation Visualizer
Replies: 19
Views: 2124

Re: Playing with Excel Pie Charts: Asset Allocation Visualizer

My goal is to include "all" asset classes, and any asset class not used would "disappear" (i.e. a "zero" for that asset class would delete the wedge and the label). So the chart above includes a spot for each asset class, just as an example. Hi there. I am struggling with the same issue. I'd love t...
by neurosphere
Fri Feb 09, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 86
Views: 4883

Re: I didn't tax-loss harvest this month, did you?

I didn't tax-loss harvest so far this month nor in January, did you? I had no positions with losses in my taxable accounts to tax-loss harvest. I did, but not by intention. TLHed in December, IntermTerm Tax-Exempt -> Limited Term TE and on January 31 exchanged back to ITTE. Small loss accumulated i...
by neurosphere
Fri Feb 09, 2018 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Can I assume Chase earns fees when purchasing/selling munis for an advised portfolio, in addition to the AUM fee?
Replies: 17
Views: 516

Re: Can I assume Chase earns fees when purchasing/selling munis for an advised portfolio, in addition to the AUM fee?

... And never, in many years, did the advisor think to suggest a backdoor Roth IRA, which is a no-brainer in her case. Was he/she an advisor or a broker? That's a good question. If you search the name at www.adviserinfo.sec.gov, he is listed as both a "broker" and "Investment Advisor Rep" on the in...
by neurosphere
Fri Feb 09, 2018 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Can I assume Chase earns fees when purchasing/selling munis for an advised portfolio, in addition to the AUM fee?
Replies: 17
Views: 516

Re: Can I assume Chase earns fees when purchasing/selling munis for an advised portfolio, in addition to the AUM fee?

No. Or if they are they are violating some pretty fundamental regulations. If there is a wrap fee then they must be acting in a fiduciary duty. Trades must be executed for best price and the broker can't make any money off of the bid/ask spread. This is something that regulators come in a audit. Th...
by neurosphere
Fri Feb 09, 2018 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Can I assume Chase earns fees when purchasing/selling munis for an advised portfolio, in addition to the AUM fee?
Replies: 17
Views: 516

Re: Can I assume Chase earns fees when purchasing/selling munis for an advised portfolio, in addition to the AUM fee?

A 1% annual fee is substantial for municipal bonds. The yield to call on the second one is under 2%, so if that's representative, the fee is more than half of the income. My thoughts exactly. It seems that overall, there is about a 1% fee on three separate taxable accounts. One holding mutual funds...
by neurosphere
Fri Feb 09, 2018 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Can I assume Chase earns fees when purchasing/selling munis for an advised portfolio, in addition to the AUM fee?
Replies: 17
Views: 516

Re: Can I assume Chase earns fees when purchasing/selling munis for an advised portfolio, in addition to the AUM fee?

You beat me to it. I'm reading it all the same way you were. On the sale the prices were in line with other days before and after as well. I would be concerned if it had traded at 122 the day before and after but your friend had sold at 118. So, the sale looks fine. On the buy I would say 118.55 wo...
by neurosphere
Fri Feb 09, 2018 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Can I assume Chase earns fees when purchasing/selling munis for an advised portfolio, in addition to the AUM fee?
Replies: 17
Views: 516

Re: Can I assume Chase earns fees when purchasing/selling munis for an advised portfolio, in addition to the AUM fee?

... -- Here's an existing bond in the portfolio, purchased Dec 29 2016, price listed as 119.202. ... -- And here is one bond which was recently sold. Sell date Dec 15, Price 114.343. They wouldn't be worth the same, since they have different maturity dates and different call dates. You could value ...
by neurosphere
Fri Feb 09, 2018 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Can I assume Chase earns fees when purchasing/selling munis for an advised portfolio, in addition to the AUM fee?
Replies: 17
Views: 516

Re: Can I assume Chase earns fees when purchasing/selling munis for an advised portfolio, in addition to the AUM fee?

Do you have a specific bond purchase with Cusip? This can be figured out by looking it up on Emma. I'm sure folks here would be happy to help with looking that up. Oh, that would interested an educational for me. -- Here's an existing bond in the portfolio, purchased Dec 29 2016, price listed as 11...
by neurosphere
Fri Feb 09, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Can I assume Chase earns fees when purchasing/selling munis for an advised portfolio, in addition to the AUM fee?
Replies: 17
Views: 516

Can I assume Chase earns fees when purchasing/selling munis for an advised portfolio, in addition to the AUM fee?

A friend asked me to review her advised investments at Chase, and estimate her fees. Among her investments is an account which holds only individual NY municipal bonds. There is a 1% AUM fee. There are about 30 bonds. It seems there has been about 5 bonds sold and 5 bonds purchased per year (not red...
by neurosphere
Fri Feb 02, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Contributed to 2018 HSA AND FSA. Oops
Replies: 5
Views: 434

Re: Contributed to 2018 HSA AND FSA. Oops

HSA, FSA, health insurance, etc... are all selected during a cafeteria plan's annual enrollment. HSA contributions can be changed or terminated at any point allowed by the plan. Everything else including the FSA deductions are under a one year contract. They can only be changed by a Qualifying Life...
by neurosphere
Thu Feb 01, 2018 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Contributed to 2018 HSA AND FSA. Oops
Replies: 5
Views: 434

Re: Contributed to 2018 HSA AND FSA. Oops

I tend to keep my opinions to myself unless I am educated enough to know for CERTAIN there is an error AND a certain solution. Most people honestly don't want financial related input, even though the fast majority would benefit from spending an hour here (or listening to a Boglehead finatic). The "...
by neurosphere
Thu Feb 01, 2018 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Contributed to 2018 HSA AND FSA. Oops
Replies: 5
Views: 434

Re: Contributed to 2018 HSA AND FSA. Oops

This link seems to provide some good information on how to correct contributions to an HSA. It seem removing employee contributions is not too hard. But employer contributions might be complicated: http://www.hsaedge.com/2016/11/06/how-to-remove-excess-contributions-to-an-hsa/ I'm wondering if it's ...
by neurosphere
Thu Feb 01, 2018 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Contributed to 2018 HSA AND FSA. Oops
Replies: 5
Views: 434

Contributed to 2018 HSA AND FSA. Oops

Hi all, I overheard a co-worker mention she had an FSA through our employer AND her husband has an HSA through his work. I don't think that's allowed! :D Now, I was not butting in, I was literally in the middle of this conversation (i.e. one coworker to me right, one to my left, talking over me as I...
by neurosphere
Fri Jan 26, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Help Joint vs Separate
Replies: 18
Views: 634

Re: Tax Help Joint vs Separate

With desktop software, or online software which allows you to save under different names/files, it's fairly easy to do complete joint vs separate taxes. -- Enter all information as if you are doing a joint return. Save. -- Delete all information, forms, etc. which pertains to only one spouse, change...
by neurosphere
Wed Jan 24, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Using disinfecting wipes to clean surfaces
Replies: 48
Views: 3065

Re: Using disinfecting wipes to clean surfaces

For cost effective solutions, I like a spray bottle of ethyl alcohol, sprayed to surface and wipes off. Kills most things on contact, and kills most viruses which cause the illness that people should actually target on things like doorknobs. For example, colds/influenza. The things that most people ...
by neurosphere
Wed Jan 24, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Compressed 401k contributions last 5 months of year . . .
Replies: 12
Views: 680

Re: Compressed 401k contributions last 5 months of year . . .

For years at my current job, they tweaked the W4 by selecting so many allowances that it was zero, then I hard-coded "withdraw an EXTRA $xxx" so I could precisely control the exact number of dollars being withheld. I never under-withheld and my spouse is self employed so I needed more control over ...
by neurosphere
Wed Jan 24, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Compressed 401k contributions last 5 months of year . . .
Replies: 12
Views: 680

Re: Compressed 401k contributions last 5 months of year . . .

I don’t believe you can drop withholding to $0 without signing a false withholding form unless you truly had zero tax liability in prior and current year. It's not legal to file a false withholding form (either by claiming to be exempt from withholding, or by claiming extra allowances) for the purp...
by neurosphere
Fri Jan 19, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage Tax Forms
Replies: 6
Views: 977

Re: Vanguard Brokerage Tax Forms

I realize this is a thread from a year ago, but I'm sure this question will come up again this tax reporting year. In fact, it probably already has, I haven't searched. But for non-brokerage account 1099-DIVs, there is this phrase located at the bottom: Please Note: Each specific fund name, NOT simp...
by neurosphere
Wed Jan 17, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Irrevocable trust for primary residence
Replies: 12
Views: 963

Re: Irrevocable trust for primary residence

Are there any malpractice award limits in your state? How much would it cost to buy extra malpractice and umbrella insurance? What are the laws in your state regarding protection of your home or other assets in the event of civil litigation and/or bankruptcy? You may get to keep your home, but you m...
by neurosphere
Mon Jan 15, 2018 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Withholding Tables
Replies: 88
Views: 11503

Re: IRS announces new withholding tables for 2018

My employer claims that the W-4 filled out for 2017 "expires" in February 2018. They are telling everyone "Give us a new W-4 by February 15, 2018 or we will change your exemption status to single with 0 dependents." I assume you can still fill out as many W-4s as needed over the course of the year,...
by neurosphere
Mon Jan 15, 2018 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Withholding Tables
Replies: 88
Views: 11503

Re: IRS announces new withholding tables for 2018

forgive me if this has been asked/answered already. Is it expected that this new 2018 withholding tables will remain the same for 2018? I realize a new W4 form needs to be made, and people may need to change how they fill out the form and how many exemptions allowances to claim. But I suppose the ne...
by neurosphere
Mon Jan 08, 2018 8:49 am
Forum: Investing - Theory, News & General
Topic: Why are tax-exempt money market yields so high?
Replies: 27
Views: 6509

Re: Why are tax-exempt money market yields so high?

Since the last post, the Vanguard NY Tax Exempt has shot up to 1.34%. With NY Taxes no longer being deductible the top rate that a NY tax payer has to deal with with Fed=37%, NY=8.82% abd NIIT=3.8% totaling 49.62%. This makes the 1.34% and effective yield of 1.34*(1/(1-0.4962)) = 2.66%, This is now...
by neurosphere
Tue Jan 02, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Can I contribute to both a Roth IRA and a solo 401k with the "same" income?
Replies: 21
Views: 976

Re: Can I contribute to both a Roth IRA and a solo 401k with the "same" income?

https://www.irs.gov/pub/irs-pdf/p590a.pdf Folks, Straight from the source: Table 1-1.... self-employment income. Hey, don't I get credit for my first post in this thread? see above. :wink: Pub 590-A goes on to further define self employment income: Self-employment income. If you are self-employed (...
by neurosphere
Tue Jan 02, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Can I contribute to both a Roth IRA and a solo 401k with the "same" income?
Replies: 21
Views: 976

Re: Can I contribute to both a Roth IRA and a solo 401k with the "same" income?

One can contribute to an IRA as long as one had sufficient 'compensation'. From publication 590-A: Self-employment income. If you are self-employed (a sole proprietor or a partner), compensation is the net earnings from your trade or business (provided your personal services are a material income-pr...
by neurosphere
Sun Dec 24, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Student loan forgiveness
Replies: 12
Views: 1706

Re: Student loan forgiveness

No time to respond fully now, hopefully will have more time later, but let me make some key points and ask some questions:. -- Which specific income driven plan are you on? Only two allow one to file separate (IBR, and PAYE). REPAYE does not allow this (or rather REPAYE counts spousal income regardl...
by neurosphere
Sat Dec 09, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401k w/ Change in Type of Work
Replies: 3
Views: 305

Re: Solo 401k w/ Change in Type of Work

I just recently did something similar, also after asking for opinions on this board, and with lots of help from Spirit Rider. I talked with Fidelity and they helped me file a plan amendment, it's very easy (essentially you just send the same adoption paperwork with a new check box). My two businesse...