Search found 35 matches

by numberman
Mon Jun 24, 2019 11:35 pm
Forum: Personal Consumer Issues
Topic: Basement water issues
Replies: 37
Views: 3094

Re: Basement water issues

Not that anyone is probably eagerly awaiting updates to my personal situation :) , but in case anyone comes across this thread later, I wanted to correct a couple of things: Honeycombing is a form of concrete deterioration that is caused by bad workmanship when it was poured (however many decades ag...
by numberman
Mon Jun 24, 2019 11:13 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
Replies: 1041
Views: 93058

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

Quite informative post, I am in the process of transferring from Saturna to Fidelity. How did you send your TOA request to Fidelity electronically? It's been quite a while for me to remember, but I think I just sent a secure message. I actually don't see where in the web interface to do this withou...
by numberman
Wed Apr 24, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: “Smart Home” upgrades?
Replies: 30
Views: 2862

Re: “Smart Home” upgrades?

I am generally very resistant to "cloud"-controlled devices in the house, but we have an Ecobee (the non-Alexa kind). We also have a camera around the front door, but it's a custom setup using a cheap ethernet-connected camera and my own stuff for storage and motion detection. I've been happy with t...
by numberman
Wed Apr 24, 2019 12:22 am
Forum: Personal Consumer Issues
Topic: Basement water issues
Replies: 37
Views: 3094

Re: Basement water issues

I'm wondering what kind of floor you have in the basement. [...] we finally decided to install tile and simply manage it. We have tile. And yeah, we might have tried to just "manage" it if the bad pooling had been in a different area, but the current placement of things has me too concerned to try ...
by numberman
Tue Apr 23, 2019 11:48 pm
Forum: Personal Consumer Issues
Topic: Basement water issues
Replies: 37
Views: 3094

Re: Basement water issues

I bet the inspection report is going to have words like efflorescence in there (signs of water intrusion) which will be the out for the inspector. Not to get into the other details of this discussion, but there were no signs of efflorescence on the inside, because you can't see the inside of the br...
by numberman
Tue Apr 23, 2019 11:36 pm
Forum: Personal Consumer Issues
Topic: Basement water issues
Replies: 37
Views: 3094

Re: Basement water issues

(edit: almost 100 years old). ...poured concrete foundation... a 100 year old home has a poured foundation? are you sure? That's what everyone who looks at it says. As far as I know that's a common (if not the most common) foundation type for houses like these from that time period. I went looking ...
by numberman
Wed Apr 17, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: Basement water issues
Replies: 37
Views: 3094

Re: Basement water issues

I think your best recourse is to sue the flipper and/or home inspector for failing to disclose this issue. There was no water problem when the home inspector came by. I deliberately visited the house right after it rained, and there was no water problem. (Which is consistent with the current behavi...
by numberman
Wed Apr 17, 2019 3:53 pm
Forum: Personal Consumer Issues
Topic: Basement water issues
Replies: 37
Views: 3094

Re: Basement water issues

I've been in several basements where there is a trench around the perimeter that drains the water to a sump pump and they do work. However, I would get a couple more quotes as the one you mentioned seemed on the high side. Interior drain tile projects I assume are always priced per linear foot, so ...
by numberman
Wed Apr 17, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Basement water issues
Replies: 37
Views: 3094

Re: Basement water issues

First I'll say that it's unfortunate your basement was recently finished by a flipper. It'll be difficult to investigate anything thoroughly and I suspect other shortcuts or mistakes were made. Not as step#1 but you may end up tearing down the drywall and re-finishing your basement. You're at a big...
by numberman
Wed Apr 17, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: Basement water issues
Replies: 37
Views: 3094

Re: Basement water issues

My suggestion is that you may have to do most or all of the items you listed to end up with a usable dry basement. Even with a interior drain and pump system for water that does get into the basement, it is still a good plan to do everything you can on the outside of the house to have as little wat...
by numberman
Wed Apr 17, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: Basement water issues
Replies: 37
Views: 3094

Re: Basement water issues

Oh my, I didn't expect to many replies so quickly. Thank you all for your thoughts. Although you mention that it doesn't seem like a solution since water still gets in, from what I've read, concrete works just as well when wet as when it's dry. As long as water is being kept away from the inside of ...
by numberman
Tue Apr 16, 2019 4:08 pm
Forum: Personal Consumer Issues
Topic: Basement water issues
Replies: 37
Views: 3094

Basement water issues

A couple of years ago, DW and I bought our first house. Unfortunately, we discovered after closing that water sometimes leaks into the finished basement when it rains. Trying to figure out what to do about this has been really annoying for me, so I welcome any feedback or advice from anyone else tha...
by numberman
Tue Mar 19, 2019 11:15 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
Replies: 1041
Views: 93058

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

Sharing my experience with a Saturna/Pershing -> Fidelity transfer: Brief background: I had an HSA with Saturna (not through an employer or anything; I'm self-employed), with all assets invested in VTSAX. This was several months ago; took me awhile to just get around to writing this down. On Decembe...
by numberman
Tue Nov 27, 2018 10:23 pm
Forum: Personal Consumer Issues
Topic: Dual Monitor Set up
Replies: 52
Views: 3005

Re: Dual Monitor Set up

My desktop setup is dual Dell U2412M monitors (IPS, 1920 x 1200 native resolution), bought when Dell has offering them on sale. I really like the U2412M, I think there about 5-6 in our household now. Seconding these; I also have several U2412M's, and use them for software work. They are "old" at th...
by numberman
Sat Aug 25, 2018 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Health care question - self employed- Whats your plan? Advice Needed
Replies: 24
Views: 2085

Re: Health care question - self employed- Whats your plan? Advice Needed

What plans are self employed using ? In the past, my general approach has been to get the lowest-premium plan that qualifies for an HSA, and then max out the HSA contributions. This year, the cheapest plan for me was not HSA-compatible, and the cheapest HSA-compatible plan was significantly more ex...
by numberman
Fri Jul 27, 2018 10:48 pm
Forum: Personal Investments
Topic: Starting a Solo 401k-
Replies: 6
Views: 783

Re: Starting a Solo 401k-

1. Does she need to form a sole proprietorship to get the solo started? As others have mentioned, you don't need to do anything to "form" a sole prop. However, to create a solo 401k, I believe you need to get an EIN from the IRS. Doing that was pretty quick and easy from what I remember; it looks l...
by numberman
Mon Jun 18, 2018 11:59 pm
Forum: Personal Consumer Issues
Topic: One handed Android phone?
Replies: 38
Views: 2217

Re: One handed Android phone?

I'll echo the positive sentiment for Sony's Xperia Compact series. I have a Z3 Compact, and it's possibly the best phone I've had. The only thing I can think of that I don't like is that the usb port is under an annoying flap for its waterproof/dustproof feature (there's a sony-specific magnetic cha...
by numberman
Sun May 13, 2018 10:52 pm
Forum: Personal Investments
Topic: Feeling Lost Trying to Set Up i401K With TDA
Replies: 11
Views: 1107

Re: Feeling Lost Trying to Set Up i401K With TDA

Thank you for your help numberman! I now have Form 91042, Form 9104, and 2 copies of Form 2705 (one for traditional, one for Roth) filled out. Is that all I need to send in? That's all I remember, but I'm sure TDA will tell you if they're missing something required. I have 2 further questions from ...
by numberman
Tue May 08, 2018 9:37 pm
Forum: Personal Investments
Topic: Feeling Lost Trying to Set Up i401K With TDA
Replies: 11
Views: 1107

Re: Feeling Lost Trying to Set Up i401K With TDA

There are (at least) 2 different types of i401k you can have at TDA, which is where the confusion comes from. I was confused by this, too, but that was before I spoke to anyone at TDA; the people on the phone always knew what was up. In one type of i401k, you have to supply TDA with the official 401...
by numberman
Sun Apr 15, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Best Solo 401k option?
Replies: 22
Views: 2722

Re: Best Solo 401k option?

I go out to lunch and step into the local TDAmeritrade office and hand them a check. I have nice chat with the person I know there. I don't even know if there are other ways to make a contribution, but there probably are. You can also make electronic contributions at TDA. ACH transfer to a taxable ...
by numberman
Sun Jan 21, 2018 3:50 pm
Forum: Investing - Theory, News & General
Topic: Which brokerage for individual 401k?
Replies: 19
Views: 2062

Re: Which brokerage for individual 401k?

They DO offer DRIP for stocks and mutual funds. NOT ETFs. Kind of weird that they don't. Wouldn't be surprised if they change that though to be on par with competitors. Schwab also has $4.95 commission fees, which are good. Is this only for some ETFs, or maybe only for 401k accounts? I have some SP...
by numberman
Wed Nov 29, 2017 1:10 am
Forum: Personal Investments
Topic: How much would you pay to have an HSA? [Health Savings Account]
Replies: 2
Views: 599

How much would you pay to have an HSA? [Health Savings Account]

I currently have an HDHP (high-deductible health plan), in order to use an HSA (health savings account) that I use to invest as a "stealth IRA". But next year the plan is going away, or is not compatible with an HSA anymore (I forget which). In any case, I need to choose a new plan. But the thing is...
by numberman
Wed Nov 15, 2017 5:35 pm
Forum: Personal Investments
Topic: Investing priority
Replies: 17
Views: 2091

Re: Investing priority

In particular, it appears you (employer matches don't count, and as a student your wife is ineligible for the credit) should contribute $2000 to a traditional account (either 401k or IRA) to get a $1000 saver's credit. If he's filing jointly, Roth vs Traditional shouldn't matter for the saver's cre...
by numberman
Wed Nov 15, 2017 5:10 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 171
Views: 47673

Re: my review of my HSA with Saturna brokerage

Anyone knows if purchasing or selling a NTF mutual fund is sufficient to avoid the yearly inactivity fee? I had to call Saturna for something else today, and asked them this. The person I talked to said you can avoid the inactivity fee this way, as long as you're talking about the "FundVest Focus" ...
by numberman
Mon Oct 30, 2017 12:49 am
Forum: Personal Consumer Issues
Topic: Sunscreen: use it all the time? (And what's a good one w/o sting?)
Replies: 58
Views: 5346

Re: Sunscreen: use it all the time? (And what's a good one w/o sting?)

I wear sunscreen and/or sun-blocking clothing and hatwear every day that I'm outside for more than a few minutes (even in non-sunny conditions! clouds don't generally block UV!). But I'm also at higher risk, due to family history of skin cancer, and an incident with BCC myself. I primarily use NO-AD...
by numberman
Sat Sep 30, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 11444

Re: What will happen if I refuse to pay a medical bill?

A couple of things I don't think I've seen specifically mentioned: If this goes to collections and you want the collectors to stop bothering you, one thing that's easy to do is to ask for verification of the debt, under the Fair Debt Collection Practices Act. This involves just sending them a letter...
by numberman
Fri Sep 29, 2017 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Schwab.com login trouble?
Replies: 21
Views: 4725

Re: Schwab.com login trouble?

All I can determine is that someone at Schwab lowered the banhammer on me, blocking my IP address from logging in to Schwab. Since I usually log in from behind my router, my router's IP was the one that was banned. Is it maybe possible that some machine on your home network got infected or compromi...
by numberman
Thu Sep 28, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Using Verizon phones on T Mobile
Replies: 5
Views: 962

Re: Using Verizon phones on T Mobile

Verizon phones will mostly work fine on tmobile. It's in certain areas that the TMobile version will have better signals than the Verizon version of the same phone. This is because TMobile phones include antenna bands that tmobile works on that Verizon does not. Specifically, none of these phones w...
by numberman
Sun Dec 11, 2016 3:10 pm
Forum: Personal Investments
Topic: Simplest Solo 401k to setup and manage
Replies: 17
Views: 2046

Re: Simplest Solo 401k to setup and manage

TDAmeritrade is another option. Allows incoming rollovers. IVV trades commission free with 0.04% ER and can sign up to DRIP dividends. You do have to mail contributions. It is possible to do online contributions with TDA. If you have (or create) a taxable TDA account, you can transfer cash from tha...
by numberman
Mon Nov 02, 2015 12:52 am
Forum: Personal Investments
Topic: Any reasons why TD Ameritrade is NOT the best solo 401k provider? Trustee vs. Custodian?
Replies: 29
Views: 6497

Re: Any reasons why TD Ameritrade is NOT the best solo 401k provider? Trustee vs. Custodian?

I'm not saying that's the case, just a possibility. What are the titles of those two accounts? The statements have "My Name TR FBO My Name IND 401K FBO My Name", but I am using "My Name" for my company name. Currently, the Roth 401k account has no transactions, no history, and no statements, so I c...
by numberman
Thu Oct 29, 2015 7:38 pm
Forum: Personal Investments
Topic: Any reasons why TD Ameritrade is NOT the best solo 401k provider? Trustee vs. Custodian?
Replies: 29
Views: 6497

Re: Any reasons why TD Ameritrade is NOT the best solo 401k provider? Trustee vs. Custodian?

1. Can anybody confirm there's a way to contribute other than mailing a check? (ie. transfer from brokerage acct/send photo) 1. I have had this discussion with TDA many times, and apparently there is no other way than physical check, whether you mail it, or walk it in. It's irritating because I hav...
by numberman
Mon Sep 28, 2015 1:33 am
Forum: Personal Finance (Not Investing)
Topic: i401k After-tax Contribution Limits
Replies: 8
Views: 910

Re: i401k After-tax Contribution Limits

It looks like Ascensus can prepare documents for $195/year ( https://dcs.ascensus.com/EmployerDirect/service-overview ), but it's documents-only, no administration. That's the lowest I've heard of. Just be sure you understand exactly all the steps that are required to self-administer and/or be your...
by numberman
Fri Sep 25, 2015 12:11 am
Forum: Personal Finance (Not Investing)
Topic: i401k After-tax Contribution Limits
Replies: 8
Views: 910

Re: i401k After-tax Contribution Limits

To answer your questions: Yes, you can contribute after-tax (non-Roth) contributions up to the limit. Yes, but 100% of compensation, correct? That is, e.g. $40k of compensation means you can put $40k into the plan using just employEE contributions (deferral/Roth plus after-tax non-Roth). That seems...
by numberman
Wed Sep 23, 2015 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: i401k After-tax Contribution Limits
Replies: 8
Views: 910

i401k After-tax Contribution Limits

Hello, former bogleheads lurker here, first time poster. I've read a bit about 401k after-tax contributions, and the so-called "mega roth backdoor". For those unfamiliar with it, I'm not talking about Roth 401k contributions, but rather non-Roth non-deductible contributions (it's on the wiki here: h...