Search found 76 matches

by Ndop
Mon Dec 02, 2019 3:52 pm
Forum: Personal Investments
Topic: Is anyone else having trouble getting into vanguard [12-1-19]
Replies: 57
Views: 3143

Re: Is anyone else having trouble getting into vanguard [12-1-19]

I just talked with cust service rep. They recommended deleting cookies. Didn't help. They submitted a ticket to their web support team. Apparently many are still having difficulty logging in.
by Ndop
Mon Dec 02, 2019 2:53 pm
Forum: Personal Investments
Topic: Is anyone else having trouble getting into vanguard [12-1-19]
Replies: 57
Views: 3143

Re: Is anyone else having trouble getting into vanguard [12-1-19]

Also can't login with Windows 10/Google Chrome or Windows 10/Microsoft Edge
by Ndop
Mon Dec 02, 2019 2:48 pm
Forum: Personal Investments
Topic: Is anyone else having trouble getting into vanguard [12-1-19]
Replies: 57
Views: 3143

Re: Is anyone else having trouble getting into vanguard [12-1-19]

Gets stuck at the page to use a security key. "Log on to use security codes" sends a code, I enter it, but it doesn't work either in the end. Using Windows 7 and Chrome browser
by Ndop
Mon May 20, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401k, Plan Administrator EIN question
Replies: 11
Views: 737

Re: Solo 401k, Plan Administrator EIN question

Thanks for all the responses.

I called Fidelity, where my wife's solo 401k is, and the agent also recommended using the same EIN for line 2b and 3b, even though employer and administrator are different people.
by Ndop
Sun May 19, 2019 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k, Plan Administrator EIN question
Replies: 11
Views: 737

Solo 401k, Plan Administrator EIN question

My wife has a solo 401k, and because of the balance, she needs to file form 5500-EZ. I am the plan administrator. Form 5500-EZ requires putting an EIN down for the plan administrator (line 3b). Do I use my wife's EIN? Or do I need to get my own EIN just for being the plan administrator?
by Ndop
Tue Mar 19, 2019 11:15 pm
Forum: Personal Consumer Issues
Topic: Home with black mold
Replies: 22
Views: 2817

Re: Home with black mold

If you really want the property, I recommend getting a drainage inspector. This inspection will hopefully find source of the moisture that caused the mold. You can remediate the mold, but if the cause isn't addressed, it will come back.
by Ndop
Tue Mar 19, 2019 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: CPA is not including form 8606 for my backdoor Roth
Replies: 86
Views: 6956

Re: CPA is not including form 8606 for my backdoor Roth

I Look at it a little differently. I just think it is inane for a CPA to mail me paper forms to fill out each year, from which the CPA will then fill in the application. It is a waste of time, we both will be prone to errors and the software is practically free. I spend HOURS, HOURS gathering all m...
by Ndop
Tue Mar 19, 2019 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Claiming AMT credit – CPA says no
Replies: 7
Views: 964

Re: Claiming AMT credit – CPA says no

There was a carryover credit on our 2017 form 8801, line 26. We are not subject to AMT in 2018. I plugged the numbers into 2018 form 8801 using Turbotax. TT said we don't qualify for the credit this year. The explanation: Why don't I qualify for the Prior Year Minimum Tax Credit? An individual, esta...
by Ndop
Tue Mar 19, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: What's Your Opinion on Nest Thermostats
Replies: 62
Views: 6547

Re: What's Your Opinion on Nest Thermostats

I have two latest generation Nest thermostats, self installed. First one installed without problem. Second one didn’t have enough power, despite their compatibility checker saying it should be fine. Nest eventually paid to have a tech come out, fiddle with the furnace board, and then all was well. I...
by Ndop
Mon Feb 18, 2019 11:28 pm
Forum: Investing - Theory, News & General
Topic: NYT opinion piece calling for more investigation of index providers
Replies: 21
Views: 3920

Re: NYT opinion piece calling for more regulation of index fund industry

You should revise your title heading as it is misleading. Did you read the opinion? It's calling for more investigation into the data providers which create indexes. It's not calling for regulation, and it says nothing about the fund companies themselves. What it does say is there may be some self-...
by Ndop
Mon Feb 04, 2019 6:55 pm
Forum: Personal Investments
Topic: Best Vanguard funds to construct a *taxable* account?
Replies: 16
Views: 6573

Re: Best Vanguard funds to construct a *taxable* account?

Consider using VTSAX in all your tax advantaged retirement accounts. Then use VTIAX, VFWAX, and VTMGX as TLH partners in your taxable account. It's all international to take advantage of the foreign tax credit.
by Ndop
Mon Feb 04, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: What is the difference between a orthopedic surgery and a sports medicine doctor?
Replies: 8
Views: 1061

Re: What is the difference between a orthopedic surgery and a sports medicine doctor?

A sports medicine doctor may be an Orthopedic surgeon, or could be a nonsurgical specialist (often initially having done Primary Care training). The Orthopedic surgeon could offer nonsurgical and surgical treatment options. The nonsurgical sports medicine doctor could offer nonsurgical options, or r...
by Ndop
Mon Feb 04, 2019 4:07 pm
Forum: Personal Investments
Topic: Strategies for mortgage pay down
Replies: 32
Views: 3234

Re: Strategies for mortgage pay down

In terms of asset protection, your home may or may not be well protected, depending on your state. This can be a pro or con when deciding to put more money into your home, as opposed to other places to put your money that may be better protected (such as a 401k).
by Ndop
Thu Jan 10, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: Types of Cotton: for undershirts
Replies: 1
Views: 297

Re: Types of Cotton: for undershirts

Is there anyway to tell the type of cotton without trying on the item? Would it say anything on the tag/label?
by Ndop
Thu Jan 10, 2019 3:59 pm
Forum: Personal Consumer Issues
Topic: Should I get umbrella liability insurance?
Replies: 56
Views: 5479

Re: Should I get umbrella liability insurance?

Yes you should have umbrella insurance. A very cheap form of asset protection. The insurance company will probably require you to have renter's insurance in order to have the umbrella policy.
by Ndop
Wed Jan 09, 2019 3:30 am
Forum: Personal Consumer Issues
Topic: Dashcam dual channel (front and rear) - user recommendations
Replies: 8
Views: 1280

Re: Dashcam dual channel (front and rear) - user recommendations

I've owned the A119, A119s, and Aukey Dual Dash Cam (has front and rear cameras). The A119 has worked well, and I recommend it. The A119s has had lots of problems, and I don't recommend it. The Aukey front camera works fine. I tried to install the rear camera by mounting it to the car interior at th...
by Ndop
Wed Jan 09, 2019 2:44 am
Forum: Personal Investments
Topic: Advice for a young boglehead?
Replies: 13
Views: 1777

Re: Advice for a young boglehead?

I recommend reading some of the many threads here about medical careers. It's not for everyone, and can be a poor financial investment depending on education costs and specialty chosen. There are also many threads on how much international exposure to have. No clear right answer. I agree with Klangf...
by Ndop
Wed Jan 09, 2019 2:24 am
Forum: Investing - Theory, News & General
Topic: Past result is not an indicator for future performance
Replies: 29
Views: 2352

Re: Past result is not an indicator for future performance

Costs are a big factor in future performance. Properly chosen index funds can minimize costs.
by Ndop
Wed Jan 09, 2019 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Too many credit cards?
Replies: 54
Views: 3803

Re: Too many credit cards?

I appreciate where you're coming from. We started playing the credit card game a few years ago, having opened almost 10 during that time. Some of my frustrations: I sometimes forget which card is the best to use in various situations. My wife forgets even more often. I forgot I had over 50,000 airli...
by Ndop
Mon Dec 03, 2018 1:48 am
Forum: Personal Investments
Topic: Please double check our backdoor Roth plan
Replies: 6
Views: 1035

Re: Please double check our backdoor Roth plan

FiveK wrote: Sun Dec 02, 2018 12:28 am
Ndop wrote: Sat Dec 01, 2018 11:19 pm Thanks. We will definitely file form 8606.
Doing a practice 8606 before you do any of the rollovers/conversions/contributions can be helpful in seeing how they all fit together.
Thanks, that's a great idea.
by Ndop
Sat Dec 01, 2018 11:19 pm
Forum: Personal Investments
Topic: Please double check our backdoor Roth plan
Replies: 6
Views: 1035

Re: Please double check our backdoor Roth plan

I don't think I see any issues. Would recommend you do the gain rollover to 401k first (before moving basis to Roth IRA) due to lack of recharacterizations (per Alan S). Thanks for pointing this out. I also found this post by Alan S that was helpful. https://www.bogleheads.org/forum/viewtopic.php?t...
by Ndop
Sat Dec 01, 2018 3:08 pm
Forum: Personal Investments
Topic: Please double check our backdoor Roth plan
Replies: 6
Views: 1035

Please double check our backdoor Roth plan

My wife would like to start doing the backdoor Roth. She has traditional and SEP IRAs, and recently opened a solo 401k at Fidelity. She rolled over her Vanguard IRAs to Fidelity, but somehow about $15 was left in the Vanguard IRAs after the rollover was completed. We plan to convert this $15 to Roth...
by Ndop
Sat Dec 01, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k and a household employee?
Replies: 6
Views: 729

Re: Solo 401k and a household employee?

Here’s what the IRS says about having more than 1 EIN. Can I Have More Than One EIN? The short answer to this question is, yes. It is possible, and may be necessary, to have multiple EINs in the case you (the business owner) own multiple partnerships and need more than one partnership tax ID, corpo...
by Ndop
Thu Nov 29, 2018 2:48 am
Forum: Personal Investments
Topic: I did Backdoor Roth; is my form 8606 incorrect?
Replies: 11
Views: 1473

Re: I did Backdoor Roth; is my form 8606 incorrect?

Ask why that isn't filled out when the form clearly says to fill it out in your situation. I'm not willing to go through the form right now, but I wonder if there had been a taxable component of this conversion if the right numbers would still come up? My instinct is that it would get the wrong ans...
by Ndop
Thu Nov 29, 2018 1:49 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401k and a household employee?
Replies: 6
Views: 729

Re: Solo 401k and a household employee?

jacoavlu wrote: Tue Nov 27, 2018 11:45 pm I think some providers don’t require an EIN but rather a sole prop can just use their SSN.
My wife is using Fidelity for her solo 401k. She rolled over her IRAs to the solo 401k, creating a balance at which an EIN is required, at least at Fidelity.
by Ndop
Thu Nov 29, 2018 1:44 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401k and a household employee?
Replies: 6
Views: 729

Re: Solo 401k and a household employee?

It's easy to get an EIN from the IRS online. Are you sure they won't give her a different one for her business instead of as a household employer? I think there may be an EIN type just for i401k too if you don't already have one for the business. My wife tried to get another EIN at the IRS website....
by Ndop
Tue Nov 27, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k and a household employee?
Replies: 6
Views: 729

Solo 401k and a household employee?

My wife had a household employee in the past. She had to get an EIN for this. My wife recently opened a solo 401k using the same EIN. The IRS would not let her choose a new one. She is considering hiring another household employee in the future, which would require use of the same EIN as she uses fo...
by Ndop
Wed Nov 21, 2018 11:25 am
Forum: Personal Investments
Topic: I did Backdoor Roth; is my form 8606 incorrect?
Replies: 11
Views: 1473

Re: I did Backdoor Roth; is my form 8606 incorrect?

Unless there has been a huge amount of growth from the original contribution, perhaps nothing significant is preventing her from using the backdoor Roth process now. One could say that she started a backdoor Roth with that non-deductible contribution - it's just that she has waited a longer time th...
by Ndop
Tue Nov 20, 2018 9:15 pm
Forum: Personal Investments
Topic: I did Backdoor Roth; is my form 8606 incorrect?
Replies: 11
Views: 1473

Re: I did Backdoor Roth; is my form 8606 incorrect?

Ask why that isn't filled out when the form clearly says to fill it out in your situation. I'm not willing to go through the form right now, but I wonder if there had been a taxable component of this conversion if the right numbers would still come up? My instinct is that it would get the wrong ans...
by Ndop
Tue Nov 20, 2018 9:14 pm
Forum: Personal Investments
Topic: I did Backdoor Roth; is my form 8606 incorrect?
Replies: 11
Views: 1473

Re: I did Backdoor Roth; is my form 8606 incorrect?

You did do a traditional->Roth conversion, correct? Bigger issue might be how much you trust the accountant in other areas, and whether you might simply do and file your own.... Yes, it was a traditional to Roth conversion. My accountant is a CPA/PFS at a big firm. I thought he was a good choice be...
by Ndop
Tue Nov 20, 2018 9:12 pm
Forum: Personal Investments
Topic: I did Backdoor Roth; is my form 8606 incorrect?
Replies: 11
Views: 1473

Re: I did Backdoor Roth; is my form 8606 incorrect?

retiredjg wrote: Mon Nov 19, 2018 7:01 pm I doubt that the IRS is going to care since the bottom line is correct in each case. I think IRS letters for 2016 went out earlier this year. Since you didn't get one, there may not be a problem that needs to be fixed.
This is a relief to hear. Hopefully 2017 won't be an issue either.
by Ndop
Mon Nov 19, 2018 5:28 pm
Forum: Personal Investments
Topic: I did Backdoor Roth; is my form 8606 incorrect?
Replies: 11
Views: 1473

I did Backdoor Roth; is my form 8606 incorrect?

I did backdoor Roth IRA contributions in 2016 and 2017. I decided to check how they were filed by my accountant. I found some examples online of what form 8606 should look like. They generally looked like this: https://www.merriman.com/wealth-enhancement/how-to-report-a-backdoor-roth-ira-contributio...
by Ndop
Mon Oct 29, 2018 3:08 pm
Forum: Personal Investments
Topic: California municipal money market vs vanguard prime money market
Replies: 19
Views: 4134

Re: California municipal money market vs vanguard prime money market

Most likely the CA municipal money market fund (VCTXX) will be better for you at the moment. But rates change, so you'll need to keep an eye on those. Sometimes VMMXX or VUSXX may have a better taxable equivalent yield.
by Ndop
Sun Oct 28, 2018 1:00 am
Forum: Investing - Theory, News & General
Topic: TLH -> Non-qualified Dividend
Replies: 18
Views: 1806

Re: TLH -> Non-qualified Dividend

Any shares that you bought on Aug 1 and later that you sold on Oct 1 that received a dividend any time that you owned them since August 1 would not have the qualified dividend portion of the dividend remain qualified to you. That is, the dividend would be 100% non-qualified. If one buys on Aug 1 an...
by Ndop
Sun Oct 21, 2018 11:35 am
Forum: Personal Investments
Topic: What ETF to keep in a Merrill Edge account for Platinum Honors
Replies: 10
Views: 1286

Re: What ETF to keep in a Merrill Edge account for Platinum Honors

If you want no loss on your principal, Merrill Edge has an FDIC insured Preferred Deposit account with yield of 1.97% right now. There is also money market mutual fund, PVOXX, at 2.27%. You have to call to move your money into these. There were no fees for me when I used PVOXX in the past.
by Ndop
Sat Oct 20, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card claim for rental car collision?
Replies: 36
Views: 3652

Re: Credit card claim for rental car collision?

I rented a car from Avis, paid using Amex card, and paid extra for the premium primary coverage. Was rear ended by someone who was uninsured. I submitted the claim to Amex. They paid everything except the admin fee ($100) and loss of use ($~140). The company that handles the repair for Avis (I think...
by Ndop
Thu Oct 18, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Will Uber card pay for Amazon Prime Student membership?
Replies: 1
Views: 377

Re: Will Uber card pay for Amazon Prime Student membership?

An Uber credit card customer service rep said Amazon Prime Student would not be covered.
by Ndop
Tue Oct 16, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Will Uber card pay for Amazon Prime Student membership?
Replies: 1
Views: 377

Will Uber card pay for Amazon Prime Student membership?

Uber card's website says they will reimburse up to $50 annually for these subscription services: Apple Music, Pandora, Spotify, Amazon Music, Google Music, Audible, Sirius XM, Netflix, Hulu, HBO NOW, DirecTV NOW, and the membership fee for Amazon Prime, and Shoprunner. Anyone know if Amazon Prime St...
by Ndop
Mon Oct 15, 2018 3:42 pm
Forum: Personal Investments
Topic: Can't immediately exchange ETF for another? (Merrill Edge)
Replies: 10
Views: 636

Re: Can't immediately exchange ETF for another? (Merrill Edge)

I called, got a different rep, who said she could do the trade on the phone, but would cost $30 (if I remember correctly). She said it's free if I do it online. She walked me through it. Just like viz and bgf said. Sell first, then can buy immediately after.
Thanks everyone for your advice!
by Ndop
Mon Oct 15, 2018 12:17 pm
Forum: Personal Investments
Topic: Can't immediately exchange ETF for another? (Merrill Edge)
Replies: 10
Views: 636

Re: Can't immediately exchange ETF for another? (Merrill Edge)

I can do this at Merrill Edge. I do not know why you cannot (no, I do not have a margin account). Could you try calling and asking again -- maybe the rep was wrong? Otherwise, their understanding of the word "settlement" reminds me of a certain Seinfeld sketch on the meaning of a "ca...
by Ndop
Mon Oct 15, 2018 10:40 am
Forum: Personal Investments
Topic: Can't immediately exchange ETF for another? (Merrill Edge)
Replies: 10
Views: 636

Can't immediately exchange ETF for another? (Merrill Edge)

About 2 weeks ago, I bought IXUS with cash. When I called Merrill Edge today to do a trade (sell IXUS, buy IEFA), he said I had to wait for the sale of IXUS to settle to cash. Then in 2 business days I can buy IEFA. I thought I read somewhere I could exchange an ETF for another ETF immediately. Can ...
by Ndop
Sat Feb 17, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: ETFs a cause of market turbulence?
Replies: 13
Views: 1221

Re: ETFs a cause of market turbulence?

I changed the thread title by changing "index funds" to "ETFs." Sorry about that
by Ndop
Sat Feb 17, 2018 2:39 am
Forum: Investing - Theory, News & General
Topic: ETFs a cause of market turbulence?
Replies: 13
Views: 1221

ETFs a cause of market turbulence?

I haven't seen this article discussed here yet:
https://www.nytimes.com/2018/02/09/busi ... arket.html
by Ndop
Thu Feb 15, 2018 1:36 am
Forum: Personal Consumer Issues
Topic: Appliance repair: manufacturer authorized tech vs generic repairman?
Replies: 23
Views: 1761

Re: Appliance repair: manufacturer authorized tech vs generic repairman?

The repair guy came, and said the problem is the transmission (kudos to dudley and btenny for predicting this). Repair cost would be just under $600. I originally purchased the washer for $720. He said to skip the repair and just run the washer until it dies. And then buy a Speed Queen. His visit co...
by Ndop
Tue Feb 13, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Appliance repair: manufacturer authorized tech vs generic repairman?
Replies: 23
Views: 1761

Re: Appliance repair: manufacturer authorized tech vs generic repairman?

Thanks so much for the advice everyone. This washer is a little more than 2 years old. Can signs of wear and tear that I can ignore happen so soon? I briefly researched fixing it myself. But I'm not very handy, and it seemed pretty daunting, so I gave up. I decided to go with a generic repair guy wh...
by Ndop
Tue Feb 13, 2018 4:20 am
Forum: Personal Consumer Issues
Topic: Appliance repair: manufacturer authorized tech vs generic repairman?
Replies: 23
Views: 1761

Appliance repair: manufacturer authorized tech vs generic repairman?

My Whirlpool washer started making an unpleasant grinding noise during agitation. It's not under warranty anymore. Should I use a Whirlpool authorized technician? Or a generic appliance repair guy that's highly recommended on yelp or nextdoor? There are only two Whirlpool authorized repair businesse...
by Ndop
Fri Sep 22, 2017 6:30 pm
Forum: Personal Investments
Topic: Rolling over previous 401k to a solo 401k
Replies: 8
Views: 941

Re: Rolling over previous 401k to a solo 401k

Thanks everyone for your responses. Very helpful. She checked with her employer, and there is a window of time where the old 401k can be rolled over to a plan outside of the new 401k. Thank goodness. My wife is a sole proprietor. So even if she doesn’t have any self employment in the future, sounds ...
by Ndop
Thu Sep 21, 2017 6:04 pm
Forum: Personal Investments
Topic: Rolling over previous 401k to a solo 401k
Replies: 8
Views: 941

Re: Rolling over previous 401k to a solo 401k

Fund name / Expense ratio Previous employer, John Hancock 401k (additional 0.25% admin fee for all options) American Century 2060 / 1.24 American Century 2055 / 1.24 American Century 2050 / 1.24 American Century 2045 / 1.22 American Century 2040 / 1.18 American Century 2035 / 1.15 American Century 2...
by Ndop
Thu Sep 21, 2017 5:56 pm
Forum: Personal Investments
Topic: Rolling over previous 401k to a solo 401k
Replies: 8
Views: 941

Rolling over previous 401k to a solo 401k

My wife and I are thinking of rolling over her previous employer's 401k to a solo 401k. We'd appreciate any input regarding this move. The details: My wife's employer was recently bought out, and the new owner has a different 401k. Her previous employer has a John Hancock 401k. There are many invest...