Search found 232 matches

by Infomom2
Mon Jan 27, 2020 11:38 pm
Forum: Personal Consumer Issues
Topic: Brother printer still recommended for small business?
Replies: 38
Views: 2043

Re: Brother printer still recommended for small business?

It depends on the model of printer you bought and what kind of cartridges it uses. What did you buy? Personally, I stick with the OEM cartridges, because I can go for years on a single cartridge so it's not a big expense and one less thing to worry about. If I did a lot of printing I might reconsid...
by Infomom2
Mon Jan 27, 2020 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: What proof does the IRS need that I rolled over retirement accounts?
Replies: 6
Views: 1064

Re: What proof does the IRS need that I rolled over retirement accounts?

Thank you! I am looking more closely at the forms I received from the previous company (just got them today and my immediate reaction was to panic as they screwed up so much regarding the transfer). I actually did have 2 separate rollovers as I had both a traditional and a Roth account. However, in ...
by Infomom2
Mon Jan 27, 2020 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: What proof does the IRS need that I rolled over retirement accounts?
Replies: 6
Views: 1064

What proof does the IRS need that I rolled over retirement accounts?

In 2019 I rolled over retirement accounts from a previous job into Vanguard. The previous company messed up and sent the checks to me instead of to Vanguard. Nevertheless, they were deposited within the 60 day limit. I just got tax documents from the previous company of the amounts I took from them ...
by Infomom2
Mon Jan 27, 2020 7:52 pm
Forum: Personal Consumer Issues
Topic: Brother printer still recommended for small business?
Replies: 38
Views: 2043

Re: Brother printer still recommended for small business?

I bought a brother printer! Can someone recommend an OEM toner or toner that has a chip in it that I can buy? I did click the link previously suggested, but that is not available anymore.

thank you!
by Infomom2
Sun Jan 12, 2020 10:52 pm
Forum: Personal Consumer Issues
Topic: Brother printer still recommended for small business?
Replies: 38
Views: 2043

Re: Brother printer still recommended for small business?

gtd98765 wrote:
Sun Jan 12, 2020 10:37 pm
The Wirecutter seems to like the Brother L-2750DW

https://thewirecutter.com/reviews/best-laser-printer/
Thanks!
by Infomom2
Sun Jan 12, 2020 10:08 pm
Forum: Personal Consumer Issues
Topic: Brother printer still recommended for small business?
Replies: 38
Views: 2043

Re: Brother printer still recommended for small business?

Check Amazon for the printer you are considering to see if remanufactured/ generic toner cartridges are available. This will save you in operating costs over the long run. My two cents. So, what I have been reading about Brother is that you cannot use those with their models any longer; so I am won...
by Infomom2
Sun Jan 12, 2020 9:52 pm
Forum: Personal Consumer Issues
Topic: Brother printer still recommended for small business?
Replies: 38
Views: 2043

Re: Brother printer still recommended for small business?

I definitely don't need anything as expensive as the HP scanner 3000! Just a reliable b&w printer, with auto-feed, copying, printing, and scanning; and double-sided for all of those features if possible. Lets assume 50-100 pages/month, but could be considerably less. Any suggestions?
by Infomom2
Sun Jan 12, 2020 9:36 pm
Forum: Personal Consumer Issues
Topic: Brother printer still recommended for small business?
Replies: 38
Views: 2043

Re: Brother printer still recommended for small business?

Maybe it is just me, but I have been gravitating back to HP after a number of years and am happier with them now both as a multifunction and as a laser printer option. Brother still has cheaper toner and is reliable but has a difficult time with different operating systems IMO - both windows and Ma...
by Infomom2
Sun Jan 12, 2020 9:35 pm
Forum: Personal Consumer Issues
Topic: Brother printer still recommended for small business?
Replies: 38
Views: 2043

Re: Brother printer still recommended for small business?

Maybe it is just me, but I have been gravitating back to HP after a number of years and am happier with them now both as a multifunction and as a laser printer option. Brother still has cheaper toner and is reliable but has a difficult time with different operating systems IMO - both windows and Ma...
by Infomom2
Sun Jan 12, 2020 9:30 pm
Forum: Personal Consumer Issues
Topic: Brother printer still recommended for small business?
Replies: 38
Views: 2043

Re: Brother printer still recommended for small business?

If it's a one or two man shop then it doesn't really matter. I'm not a big fan of Brother as quality has slipped over the years but if it's a low volume printer anything in the same price range will be equivalent. Your always going to pay more for toner on a stand alone non-contract printer. Its ju...
by Infomom2
Sun Jan 12, 2020 9:17 pm
Forum: Personal Consumer Issues
Topic: Brother printer still recommended for small business?
Replies: 38
Views: 2043

Brother printer still recommended for small business?

I need to buy a printer for my small business asap. I have read past threads and know that Brother laser, and in any case laser is the way to go. I have never had a laser before, but I get why I want one. Googled reviews on Brother laser models I thought could work and am reading some reviews talkin...
by Infomom2
Tue Dec 10, 2019 12:36 pm
Forum: Personal Consumer Issues
Topic: How to deal with Comcast?
Replies: 12
Views: 1777

Re: How to deal with Comcast?

Anyway you can claim this is a "residence" and get residential rates? In my area, residential service is exactly the same speeds at about half the price (or less). I wish, but I think they are aware of what it is...no way it is a residence, due to the way it is structured (individual offices up a f...
by Infomom2
Tue Dec 10, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: How to deal with Comcast?
Replies: 12
Views: 1777

Re: How to deal with Comcast?

i have comcast business 150mbit and static ips. its expensive. i just negotiated a 100mbit upgrade for 5 more bucks a month. i also have consumer grade att dsl. i have been pretty pleased with comcast biz level. i get a bit more speed than i paid for, unlimited data and when it goes down due to var...
by Infomom2
Tue Dec 10, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: How to deal with Comcast?
Replies: 12
Views: 1777

Re: How to deal with Comcast?

Thanks for the help! I am going to try signing up through the internet. I did not realize everything would be so different and separate as this is a business. Ugh. I started filling in the form and it recognizes the address as a business and I need to fill in info and then get a phone call from them...
by Infomom2
Sun Dec 08, 2019 7:18 pm
Forum: Personal Consumer Issues
Topic: How to deal with Comcast?
Replies: 12
Views: 1777

Re: How to deal with Comcast?

Thanks for the replies!
by Infomom2
Sun Dec 08, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: How to deal with Comcast?
Replies: 12
Views: 1777

How to deal with Comcast?

I am starting an new business and will take possession of my new office in January. Comcast/Xfinity is really the only reliable game in town as far as I can tell regarding internet. The person who is moving from that office told me he pays $70. However, it seems Comcast charges different people diff...
by Infomom2
Fri Nov 01, 2019 12:19 am
Forum: Personal Finance (Not Investing)
Topic: I have a new LLC and questions!
Replies: 10
Views: 857

Re: I have a new LLC and questions!

I am the OP and am aware that an LLC does not help me liability-wise. It is my malpractice insurance that protects me (financially at least). I already created the LLC and plan to use it. Still getting a lot of advice elsewhere not to put my SS# on W9s. The instructions clearly indicate that I shoul...
by Infomom2
Thu Oct 31, 2019 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: I have a new LLC and questions!
Replies: 10
Views: 857

Re: I have a new LLC and questions!

I can tell you that I used my EIN on W9s, and that came back to bite me when the name associated with the EIN did not match the W9s, and I had to redo the W9s. W9s are always your SSN. I would suggest that a contract would be with your EIN. Once you get the deal, and you have to fill out a W9, then...
by Infomom2
Thu Oct 31, 2019 10:43 am
Forum: Personal Finance (Not Investing)
Topic: I have a new LLC and questions!
Replies: 10
Views: 857

I have a new LLC and questions!

I formed a new LLC and will be doing a private practice (psychotherapy). I have never had an LLC before. I need to fill out W-9s to be credentialed by insurance panels (so they will pay me when I see people who have their insurance). I was told that I need to use my social security number on W9s bec...
by Infomom2
Sun Sep 15, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Starting a private practice-tax and related issues to know beforehand?
Replies: 4
Views: 550

Starting a private practice-tax and related issues to know beforehand?

I am a therapist with over 24 years of experience, and I have worked for other people my whole life I have made the decision to start a private practice. I know it is a risk, and have talked with a lot of local people about that, so not asking for advice about if I should do it or not. I am asking f...
by Infomom2
Mon Aug 12, 2019 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Tax implications of Calvert settlement distribution
Replies: 9
Views: 3840

Re: Tax implications of Calvert settlement distribution

Thank you so much. This has been very helpful!
by Infomom2
Sun Aug 11, 2019 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Tax implications of Calvert settlement distribution
Replies: 9
Views: 3840

Re: Tax implications of Calvert settlement distribution

Thanks. The categories are broken down by amount; the largest is fees, followed by foregone appreciation component, and lastly interest. Would those all be capital gain except for the interest? Are fees capital gains?
by Infomom2
Thu Aug 08, 2019 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Tax implications of Calvert settlement distribution
Replies: 9
Views: 3840

Re: Tax implications of Calvert settlement distribution

Thanks. The categories are broken down by amount; the largest is fees, followed by foregone appreciation component, and lastly interest. Would those all be capital gain except for the interest?
by Infomom2
Thu Aug 08, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Tax implications of Calvert settlement distribution
Replies: 9
Views: 3840

Tax implications of Calvert settlement distribution

Don't worry; I no longer have Calvert fund but have in the past. I received 2 checks that total about $42 due to some kind of settlement distribution called Calvert Fair Fund Distribution. I checked the relevant years, and I did have Calvert during that time, so it seems the checks are correctly sen...
by Infomom2
Sat Mar 09, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Airline travel and economy: pay $$ to pick seats
Replies: 116
Views: 8425

Re: Airline travel and economy: pay $$ to pick seats

Thanks. Does anyone have experience of Delta's "main cabin" tickets? I found some that are more expensive that basic economy, but nowhere as expensive as the premium economy I was seeing called "main cabin"; it looks like I can choose seats, but its not clear. It says something about medallion statu...
by Infomom2
Sat Mar 09, 2019 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Airline travel and economy: pay $$ to pick seats
Replies: 116
Views: 8425

Re: Airline travel and economy: pay $$ to pick seats

Just read that if you have certain Delta credit cards, you get priority one boarding (or whatever its called when you have first priority). You dont need to pay with that card, just have it at check in....wondering if I should consider this. It would be too late for me to use their airline miles bo...
by Infomom2
Sat Mar 09, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Airline travel and economy: pay $$ to pick seats
Replies: 116
Views: 8425

Re: Airline travel and economy: pay $$ to pick seats

Just read that if you have certain Delta credit cards, you get priority one boarding (or whatever its called when you have first priority). You dont need to pay with that card, just have it at check in....wondering if I should consider this. It would be too late for me to use their airline miles bon...
by Infomom2
Sat Mar 09, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Airline travel and economy: pay $$ to pick seats
Replies: 116
Views: 8425

Re: Airline travel and economy: pay $$ to pick seats

I see this happen often. A couple or family, near the last to board, wants me to switch seats so they can "sit together". Having booked early snd selected my seat with care, I usually refuse, prompting the "stink eye" look the rest of the way. Sorry, OP, don't expect the rest of us to fix your lack...
by Infomom2
Fri Mar 08, 2019 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Airline travel and economy: pay $$ to pick seats
Replies: 116
Views: 8425

Airline travel and economy: pay $$ to pick seats

I am looking at some international travel with my 13 and 16 year olds; we are very excited and ready to book. Well, almost. So, these new economy fares that don't let you pick your seats, any ideas on if it generally ends up that families can sit together? I am looking at a $200/per ticket price/$60...
by Infomom2
Sun Mar 03, 2019 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Questions related to CHIP? Also medical insurance for kids and job dilemmas
Replies: 5
Views: 393

Re: Questions related to CHIP? Also medical insurance for kids and job dilemmas

The problem with CHIP and pregnancy Medicaid, specifically, is that they are exempt from the ACA requirement to use MAGI for eligibility. Many simply use gross income, but it depends on many factors that are state specific. You could call the office of public assistance or visit one of their office...
by Infomom2
Sun Mar 03, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Questions related to CHIP? Also medical insurance for kids and job dilemmas
Replies: 5
Views: 393

Re: Questions related to CHIP? Also medical insurance for kids and job dilemmas

Being a single mom is so hard, good for you for keeping your head in the game. Getting kicked off these plans for kids is not that easy, don't over-think it. I'm not a tax person, but I would be very surprised if a small job would make any material difference in your situation and it's good for kid...
by Infomom2
Thu Feb 28, 2019 1:19 pm
Forum: Personal Investments
Topic: Vanguard, capital gains, and college financial aid
Replies: 13
Views: 849

Re: Vanguard, capital gains, and college financial aid

Thanks for all of the replies! The settlement fund is set up, so I have everything I need...unless anyone has any other relevant on college financial aid. Oldest child will start in Fall 2021; although she will most likely go to a community college, so less of an expense. Younger child will go in 20...
by Infomom2
Thu Feb 28, 2019 1:07 pm
Forum: Personal Investments
Topic: Vanguard, capital gains, and college financial aid
Replies: 13
Views: 849

Re: Vanguard, capital gains, and college financial aid

If your kids are going to public, in-state schools, joining that state's National Guard covers tuition & fees in many states....so any scholarship money they receive can be put toward room & board. My youngest would have done the above had they not received a campus-based ROTC scholarship to their ...
by Infomom2
Thu Feb 28, 2019 12:54 pm
Forum: Personal Investments
Topic: Vanguard, capital gains, and college financial aid
Replies: 13
Views: 849

Re: Vanguard, capital gains, and college financial aid

Thanks for the replies! I have set up the settlement/spending fund and will do things that way.
by Infomom2
Wed Feb 27, 2019 4:15 pm
Forum: Personal Investments
Topic: Would I be okay to have my brokerage account non-managed by Vanguard if my other accounts are?
Replies: 2
Views: 377

Would I be okay to have my brokerage account non-managed by Vanguard if my other accounts are?

Long story short; I feel I still need personal advisor services and have my money at Vanguard. I realized that capital gains were triggered this past year buy them selling funds to pay for my advisor fees and want to avoid that. Found a way to do that. They will be able to take fees from my non-taxa...
by Infomom2
Tue Feb 26, 2019 8:11 pm
Forum: Personal Investments
Topic: Vanguard, capital gains, and college financial aid
Replies: 13
Views: 849

Re: Vanguard, capital gains, and college financial aid

Update-Just talked to Vanguard and, yes, I am getting the capital gains from the sales in my brokerage account to pay for the personal advisor fee. The catch is they can't just bill me for this, I have to have a fund they can take the money from. I am not ready to manage things myself. They said I c...
by Infomom2
Tue Feb 26, 2019 5:29 pm
Forum: Personal Investments
Topic: Vanguard, capital gains, and college financial aid
Replies: 13
Views: 849

Re: Vanguard, capital gains, and college financial aid

Thanks for the replies! It does seem like everything is an unknown due to the new tax forms. OTOH, not having capital gains wouldn't hurt. It seems like they came from selling funds in my brokerage account at Vanguard, which they probably did to pay the personal advisor services, which I do use. I d...
by Infomom2
Tue Feb 26, 2019 3:05 pm
Forum: Personal Investments
Topic: Vanguard, capital gains, and college financial aid
Replies: 13
Views: 849

Re: Vanguard, capital gains, and college financial aid

Your question is complicated. I will assume you are referring to the simplified EFC for FAFSA. Firstly, it is important to note that FAFSA applies to prior prior tax year information. I do not know when kids will apply for aid, but be aware that you may reach a point where you have already created ...
by Infomom2
Tue Feb 26, 2019 1:32 pm
Forum: Personal Investments
Topic: Vanguard, capital gains, and college financial aid
Replies: 13
Views: 849

Vanguard, capital gains, and college financial aid

I have all of my investments with Vanguard. I have under $4000 in a brokerage account, and the rest in retirement/non-taxable. I had some capital gains in 2018. It is not the money I am worried about, but my kids are 13 and 16 and I am gearing up for them to apply to colleges. In looking at how fina...
by Infomom2
Mon Feb 25, 2019 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Questions related to CHIP? Also medical insurance for kids and job dilemmas
Replies: 5
Views: 393

Questions related to CHIP? Also medical insurance for kids and job dilemmas

I am a single mom of 2 teens (13 and 16). They have their health insurance through CHIP and it is essential that I try to keep their health insurance affordable and accessible. I pay my bills, but am not a high income earner. One of my kids has a lot of medical issues (although nothing that qualifie...
by Infomom2
Mon Jan 21, 2019 12:36 am
Forum: Personal Investments
Topic: Help re-examine Vanguard fund choices (corrected with full fund names)
Replies: 13
Views: 1359

Re: Help re-examine Vanguard fund choices (corrected with full fund names)

Thanks for the responses; they are all helpful. I guess the question is if putting all of the funds in a 2030 target fund, with a slightly higher ER, will have me coming out significantly ahead of keeping things the way they are and paying the PAS. Seems like the 2030 would likely be better over tim...
by Infomom2
Sun Jan 20, 2019 1:31 pm
Forum: Personal Investments
Topic: Help re-examine Vanguard fund choices (corrected with full fund names)
Replies: 13
Views: 1359

Re: Help re-examine Vanguard fund choices (corrected with full fund names)

Your funds are fine. Do you know how to keep this balanced or is that part of your question? Or do you just not know how to get the $25k in there right? Yes, it could be simpler if you used a target fund in each account. Are you interested in that? I am asking both about how to keep it balanced and...
by Infomom2
Sun Jan 20, 2019 11:52 am
Forum: Personal Investments
Topic: Help re-examine Vanguard fund choices (corrected with full fund names)
Replies: 13
Views: 1359

Re: Help re-examine Vanguard fund choices

02nz wrote:
Sun Jan 20, 2019 11:45 am
Please use fund names, not just tickers. (At least one of your tickers is wrong, BTW.)
Sorry about that. I will fix this soon with the fund names.
by Infomom2
Sun Jan 20, 2019 11:34 am
Forum: Personal Investments
Topic: Help re-examine Vanguard fund choices (corrected with full fund names)
Replies: 13
Views: 1359

Help re-examine Vanguard fund choices (corrected with full fund names)

I am a single 51 year old woman with 2 kids, ages 13 and 16. I am rolling funds from a former employers 403b into my current Vanguard accounts. There is about $17,000 from a traditional IRA and $8000 from a Roth. My understanding is that I will need to roll them into my traditional and roth IRA acco...
by Infomom2
Sun Jan 13, 2019 8:43 pm
Forum: Personal Investments
Topic: What does it mean that Vanguard's PAS will default to using use the MinTax cost basis method?
Replies: 11
Views: 1499

Re: What does it mean that Vanguard's PAS will default to using use the MinTax cost basis method?

However, Vanguard's algorithm for minimizing taxes may not be the same as yours. In 2017, I sold some stock ETF shares in order to buy a car. I had the choice between selling for a smaller short-term gain, or a larger long-term gain. I had enough carryover losses to offset the entire gain, and thus...
by Infomom2
Sun Jan 13, 2019 12:44 pm
Forum: Personal Investments
Topic: What does it mean that Vanguard's PAS will default to using use the MinTax cost basis method?
Replies: 11
Views: 1499

Re: What does it mean that Vanguard's PAS will default to using use the MinTax cost basis method?

Hopefully as you continue in your career, your income will increase so that eventually you will have substantial assets in your taxable account. Vanguard will then have to rebalance the taxable account at some point, and minimizing taxes is always good. I actually hope to keep the money I have in t...
by Infomom2
Sun Jan 13, 2019 12:05 pm
Forum: Personal Investments
Topic: What does it mean that Vanguard's PAS will default to using use the MinTax cost basis method?
Replies: 11
Views: 1499

Re: What does it mean that Vanguard's PAS will default to using use the MinTax cost basis method?

If you don’t have money in taxable accounts, then this won’t impact you. If you are adding money to taxable accounts, then it might in the future. Previous thread: https://www.bogleheads.org/forum/viewtopic.php?t=59718 Thank you. I read through the previous thread linked above. I do have about $350...
by Infomom2
Sat Jan 12, 2019 12:27 pm
Forum: Personal Investments
Topic: What does it mean that Vanguard's PAS will default to using use the MinTax cost basis method?
Replies: 11
Views: 1499

What does it mean that Vanguard's PAS will default to using use the MinTax cost basis method?

I use Vanguard's personal advisor services and got an e-mail that they will now use the MinTax cost basis method unless I request otherwise. The majority of my money is in IRAs, with only about $3000 in their brokerage account. Can anyone help me understand what this means and if I should ask for an...