Search found 22 matches

by numberman
Tue Nov 27, 2018 10:23 pm
Forum: Personal Consumer Issues
Topic: Dual Monitor Set up
Replies: 52
Views: 2821

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: 2015

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: Investing - Help with Personal Investments
Topic: Starting a Solo 401k-
Replies: 6
Views: 754

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: 2092

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: Investing - Help with Personal Investments
Topic: Feeling Lost Trying to Set Up i401K With TDA
Replies: 11
Views: 983

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: Investing - Help with Personal Investments
Topic: Feeling Lost Trying to Set Up i401K With TDA
Replies: 11
Views: 983

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: 1984

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: 1645

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: Investing - Help with Personal Investments
Topic: How much would you pay to have an HSA? [Health Savings Account]
Replies: 2
Views: 574

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: Investing - Help with Personal Investments
Topic: Investing priority
Replies: 17
Views: 2015

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: 161
Views: 44117

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: 5237

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: 10580

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: 3753

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: 910

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: Investing - Help with Personal Investments
Topic: Simplest Solo 401k to setup and manage
Replies: 17
Views: 1959

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: Investing - Help with Personal Investments
Topic: Any reasons why TD Ameritrade is NOT the best solo 401k provider? Trustee vs. Custodian?
Replies: 29
Views: 6181

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: Investing - Help with Personal Investments
Topic: Any reasons why TD Ameritrade is NOT the best solo 401k provider? Trustee vs. Custodian?
Replies: 29
Views: 6181

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: 895

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: 895

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: 895

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...