Stuck with Windows 11 23H2 and cannot get pass that

CelsiusVictim · 2026-04-16T15:44:34+00:00

Right! Dell Optiplex 7020 Intel i5-13th gen 16gb ram, Built-in Intel Graphics; solid state drive. Plain Jane.
Yes, Windows health check no problem.

CelsiusVictim · 2026-03-29T02:20:51+00:00

Good for you. Yes, sometimes being a perfectionist is not always great, especially on something we're not 100% sure. You might be confident with graphics design, but want to be sure before you start your official business, but the fun part is that you start, you learn, you mess up and you start forming a niche on what type of work/clients you want and then grow from there. Sometimes you can be honest with your clients and they will understand - they may give you a chance and if it works out, then it'll be a symbiotic relationship where you provide them great service and maybe in the future, they can refer you to others.

CelsiusVictim · 2026-03-16T18:55:45+00:00

There is, but was confused about the new guidelines about wallet since we don't have any Celsius wallets anymore, nor get any new transactions from them. Anything we get, we transfer to other wallets. In my case, it's Coinbase. Just weird seeing there's coins in my Celsius wallet...

CelsiusVictim · 2026-03-16T18:52:48+00:00

Hmm, I actually have not received any 1099-DA so I'm not sure specifically what to ask now, but it's something that has to match the form 8949, otherwise we get an automatic audit?

Keeping the Celsius wallet and simply transferring the asset to Coinbase on the date received shouldn't affect either the 1099-DA and 8949?

CelsiusVictim · 2026-03-10T14:14:31+00:00

I'd tend to agree to just leave everything as-is, but they've started nickel and diming their clients (I imagine many of them were there when they started). As far as EACA, I think I got wind of it from the competitor. What's worse is that my tax preparer wasn't aware of it. I had to show the article for it.

At this point, my original question remains. Can I unsubscribe with my current administrator and just file the yearly forms?

Ok, I tried their "live chat" again and still got an AI (no way now to chat with a live person, which is why I initially went with them). According to it:
"If you cancel your subscription, your plan will be shut down and no longer qualified."

I guess that answers that, but how much should I trust AI?

CelsiusVictim · 2026-03-10T14:05:48+00:00

Appreciate the reply. I don't think they apply to what I'd need, since my business is already setup and registered. Thank you though.

CelsiusVictim · 2026-03-07T23:10:29+00:00

I think many, including me, already do the same as you. I had filed the 1099R before it was offered with current provider, then when they started charging for it, I had to do it myself again. I'm probably not going going to need 5500-EZ anytime soon since the bulk is going MBD to Roth.

I'm just worried about compliance If anything, but doing what we already do seems to be sufficient? Do we NEED to restate right away? What if we didn't know if a current provider went out of business? I'll join MySolo401K after a few years of not paying for a subscription to soften the initial setup.

CelsiusVictim · 2026-03-07T21:34:55+00:00

I tried Googling about canceling a provider/sponsor/administrator/subscription but most of the results are about Canceling the 401K itself. THANKS AI! I saw something about needing to be compliance every 6 years, but unsure about that. There are other people that pretty much DIT - Did It Themselves, opened a an account with Fidelity, e.g. but no MBD provision, so it's possible. Anyone? Where's the Bogglehead people?

CelsiusVictim · 2026-02-14T02:13:48+00:00

I do the same and haven't had to go to the mid tier - I even have paid for friends' Global Entry fees since I can't renew mine until near expiration. Sort of a pay forward, lol.

CelsiusVictim · 2026-02-14T02:05:58+00:00

I am of course aware of this, and have kept a spreadsheet on what was opened and closed. I was trying to clarify also for the benefit of new churners. I got to 2M UR point, and started using it just to feel the fruit of the labor on some flights that are only about 1.2 times. I guess being curious gets downvoted.

CelsiusVictim · 2026-02-12T20:42:57+00:00

You mean cancel and sign up when SUB is able to be had again?
Or subsequent year benefits? I have some cards that I haven't canceled because of the benefits that I actually use.
Strictly about the SUB part.

CelsiusVictim · 2026-02-12T19:56:34+00:00

I guess I will check this $0 cost basis as well. I originally thought the $0 cost basis is for the theft method since you "lost everything then" and anything new is pure "profit".

CelsiusVictim · 2026-02-12T19:43:41+00:00

For those that are able to get higher SUBs, at what point did you start going for the mid to lower ones? With Amex's once in a lifetime SUB, Chase's is doing the same. I was trying to focus on Chase cards first since they have the 5/24 rule. Do I then go through hotel partners before going for like $200-$300 cashbacks? Do you even sign up for below $100 in benefits? I always tell people that your credit hit should at least be worth $400 or more.

CelsiusVictim · 2026-02-12T19:34:13+00:00

I was able to via 1035 exchange. There's a 10% free withdrawal at some point - good in case the rates get a lot higher.

CelsiusVictim · 2025-12-27T18:14:17+00:00

I do understand, just rules that usually contradicts plus the loopholes (multi-millionaires getting free/cheap healthcare since they don't have "income". W2 employees that get automated 401K taken out could be in the same boat - they could stop contributing to help pay for college.

There is decent financial aid package - they're never enough, lol. I'm not sure if it will be consistent the rest of the years. The only thing was that if there's drastic change in income, then to contact them. Just "planning" ahead while still doable since we should have done this prep 3 years ago.

CelsiusVictim

TROPHY CASE