Search found 234 matches

by brennok
Thu Jun 11, 2020 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: 16 Weeks Paternity Leave
Replies: 124
Views: 9014

Re: 16 Weeks Paternity Leave

From what I have been told so far is I am taking on my manager's responsibilities along with keeping my own. I have already been told not to plan on any vacation or days out during the 16 or so weeks. My work isn't covered when I am out on vacation so I doubt the company has any plans to cover them...
by brennok
Mon May 04, 2020 9:30 pm
Forum: Personal Consumer Issues
Topic: Steel-framed Residential Entry Doors
Replies: 34
Views: 2471

Re: Steel-framed Residential Entry Doors

Had Home Depot install my replacement doors, solid core slab, and steel exterior door. It is fine, but would not use them again. They did ok, but definitely cut some corners. Unfortunately all my local stores are the classic only open during my normal work hours so I had a limited choice without tak...
by brennok
Sat Apr 25, 2020 12:30 pm
Forum: Personal Consumer Issues
Topic: Unable to Order Work Out Equipment
Replies: 45
Views: 3578

Re: Unable to Order Work Out Equipment

Check https://old.reddit.com/r/homegym/commen ... 20_220419/

This is the homegym thread on reddit tracking stock and shipping for equipment.
by brennok
Sat Feb 08, 2020 10:02 pm
Forum: Investing - Theory, News & General
Topic: HSA: How much in your account is enough
Replies: 9
Views: 1500

Re: HSA: How much in your account is enough

Hello Fellow Bogleheads, Background: Married, 47, two kids, HSA balance of $110K. Pay for all health care expenses outside of HSA and contribute the family maximum each year. Money is diversified for the long haul. Recently learned that before I die, I should make sure there is no money left in thi...
by brennok
Wed Jan 29, 2020 12:21 am
Forum: Investing - Theory, News & General
Topic: Your RMD Service confirmation is ready
Replies: 25
Views: 2176

Re: Your RMD Service confirmation is ready

I got the same email and panicked a bit at work, but logged into the app to see it was just the RMD amount and the terms of the service. One of them also confirmed I was set ip for the manual option.
by brennok
Sun Jan 26, 2020 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Insurance--Primary vs. Secondary Insurance
Replies: 6
Views: 619

Re: Medical Insurance--Primary vs. Secondary Insurance

Also you need to make sure to notify both carriers of the other policy and the effective dates and termination dates. Otherwise they pay incorrectly or deny until they receive notification. They could even in the future after paying claims come back and request refunds from the providers which makes...
by brennok
Tue Jan 14, 2020 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Sewer Line Replacement - Expensive/Next Steps
Replies: 23
Views: 2837

Re: Sewer Line Replacement - Expensive/Next Steps

Here one of the local attorneys constantly runs commercials for this very issue. No issues with mine currently, but not looking forward when it happens.
by brennok
Fri Jan 10, 2020 1:05 am
Forum: Investing - Theory, News & General
Topic: How is your "number" defined?
Replies: 143
Views: 11498

Re: How is your "number" defined?

My number is defined by 2% withdrawal rate being equal to 125% of my current take salary. I live below my salary, but I don’t have a lot of fat to cut if things go south so I want a bigger buffer especially considering healthcare will be an added expense. There is also the possibility of increased l...
by brennok
Wed Dec 18, 2019 12:42 am
Forum: Personal Finance (Not Investing)
Topic: Safe to consider early retirement at 42 vs benefit of sticking it out?
Replies: 76
Views: 7645

Re: Safe to consider early retirement at 42 vs benefit of sticking it out?

I just figured I would post an update since it is quickly approaching a year. This thread definitely helped take some weight off my shoulders and be more comfortable with whatever happens. It made me loosen up at work and just take things as they happen. I appreciate all the replies and feedback. I ...
by brennok
Wed Dec 11, 2019 12:56 am
Forum: Personal Finance (Not Investing)
Topic: 16 Weeks Paternity Leave
Replies: 124
Views: 9014

Re: 16 Weeks Paternity Leave

These benefits are great for the person having the kid. The rest of the team suffers. Companies have no plan to replace a full person for 12-16 weeks. My manager has a team of 4 people. Each has a full work load. A co-worker will be taking 14 weeks of paternity leave this week starting Friday. It i...
by brennok
Fri Dec 06, 2019 3:26 pm
Forum: Personal Investments
Topic: Vanguard, RMD's and Taxes
Replies: 23
Views: 2538

Re: Vanguard, RMD's and Taxes

Well, it does seem that something on the VG end is messed up. Did they get it squared away (i.e. withhold the desired amount) based on your call? I think I do my RMDs a little differently than you do. I don't take the RMD manually but enroll in Vanguard's RMD Service . The following is from the hel...
by brennok
Fri Dec 06, 2019 12:00 am
Forum: Personal Investments
Topic: Vanguard, RMD's and Taxes
Replies: 23
Views: 2538

Re: Vanguard, RMD's and Taxes

I had the same issue as the OP. I called in since it didn’t ask me. The page I also used was new. In my case it turns out I only sold shares and the settlement went into the settlement account inside the IRA. It never took the RMD even though I used the RMD page. It also didn’t give me the option t...
by brennok
Tue Dec 03, 2019 10:44 pm
Forum: Personal Investments
Topic: Vanguard, RMD's and Taxes
Replies: 23
Views: 2538

Re: Vanguard, RMD's and Taxes

I had the same issue as the OP. I called in since it didn’t ask me. The page I also used was new. In my case it turns out I only sold shares and the settlement went into the settlement account inside the IRA. It never took the RMD even though I used the RMD page. It also didn’t give me the option to...
by brennok
Fri Nov 22, 2019 10:26 pm
Forum: Personal Consumer Issues
Topic: What to do with my Dad's Toy Soldier Collection?
Replies: 26
Views: 4025

Re: What to do with my Dad's Toy Soldier Collection?

I had a similar issue. We boxed them up for now. There is an episode of Strange Inheritance that also had the same issue. I believe they found a collector and a museum to take the collection. https://www.foxbusiness.com/features/this-toy-soldier-inheritance-is-worth-a-fortune I struggled to even fin...
by brennok
Tue Nov 19, 2019 11:11 pm
Forum: Personal Consumer Issues
Topic: TV purchase -- 55" or 65" vs viewing distance
Replies: 51
Views: 4999

Re: TV purchase -- 55" or 65" vs viewing distance

Use a 65” which I upgraded to from a 58” when Plasmas were going away. I sit at 10 feet and it is great i can easily see myself going larger when I am ready to upgrade.
by brennok
Sat Nov 16, 2019 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: A sad tale with a good ending ["Preferred" pharmacies vs "non-preferred"]
Replies: 45
Views: 4463

Re: A sad tale with a good ending ["Preferred" pharmacies vs "non-preferred"]

This isn’t all that uncommon unfortunately. We see it all the time even with medical visits. People opt for the tiered plan, but never bother to check what tier their doctor is. Then they are shocked when the copay isn’t $10.This is especially true for NPs and PAs since many if not most plans don’t ...
by brennok
Tue May 07, 2019 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Confused about form 8606 with backdoor Roth and recharacterization
Replies: 5
Views: 567

Re: Confused about form 8606 with backdoor Roth and recharacterization

Thanks this does clear it up for me. I have a call with him tonight. I knew I would have a small tax liability, but not what he was reflecting so I think he may just be mixing up the multiple 1099-Rs I received. Vanguard's formatting doesn't help either since the list the individual amounts taken pe...
by brennok
Mon May 06, 2019 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Confused about form 8606 with backdoor Roth and recharacterization
Replies: 5
Views: 567

Confused about form 8606 with backdoor Roth and recharacterization

I am hoping someone can help me. I am reviewing my tax return before filing and I think my CPA screwed up my form 8606. I am not sure how it should be though I am hoping I can get some guidance. In 2017, I made a Roth IRA contribution of $458.48 since I forgot to turnoff automatic contributions. In ...
by brennok
Tue Apr 09, 2019 9:57 pm
Forum: Personal Consumer Issues
Topic: Lawn Service and Landscaping
Replies: 14
Views: 1218

Re: Lawn Service and Landscaping

Our yards and lawn need some serious service. I started to search around for companies that provide these services on Nextdoor, google, etc. I'm curious how much money have you spent on the following: 1. Bi-weekly lawn mowing / leaf blowing (my husband said he'd do it but he's been very sloppy abou...
by brennok
Tue Apr 09, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 19375

Re: Bogleheads, why wont anyone hire me?

In my experience with healthcare, experience is initially better. The degree helps keep the upward mobility. Look at part time or full time clinic work in larger clinics especially those owned by larger corporations or even insurance companies. Most admins I know started in the front or back office ...
by brennok
Mon Mar 04, 2019 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you gone without a raise?
Replies: 75
Views: 6482

Re: How long have you gone without a raise?

Currently at 2.5 years. I received a raise in June 2016 before they announced company was entertaining offers to be purchased. Purchase and due diligance dragged out over 2017 when there was a pay and hiring freeze due to the offer. Then various th8ngs delayed it even further into the end of 2018. ...
by brennok
Mon Mar 04, 2019 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you gone without a raise?
Replies: 75
Views: 6482

Re: How long have you gone without a raise?

Currently at 2.5 years. I received a raise in June 2016 before they announced company was entertaining offers to be purchased. Purchase and due diligance dragged out over 2017 when there was a pay and hiring freeze due to the offer. Then various th8ngs delayed it even further into the end of 2018. N...
by brennok
Tue Feb 26, 2019 10:20 pm
Forum: Investing - Theory, News & General
Topic: BenefitWallet HSA - anyone successfully liquidated 100% of investments? (update: also transfer/rollover issues)
Replies: 77
Views: 8252

Re: BenefitWallet HSA - anyone successfully liquidated 100% of investments? (update: also transfer/rollover issues)

Mine was luckily much quicker, but still took a month. Fidelity now has my funds.

I need to reach out to Benefitwallet to close the account now I guess.
by brennok
Tue Feb 12, 2019 10:40 pm
Forum: Personal Investments
Topic: What stress test do you run on your retirement portfolio?
Replies: 42
Views: 3404

Re: What stress test do you run on your retirement portfolio?

Once a year, I do 2 things. 1) spending analysis of the previous year’s spending. How much did we spend, on what? Is it in line with what we wanted to spend? If not, why? Wife and I examine this together, and make course corrections as necessary. 2) figure out what our nondiscretionary spending act...
by brennok
Wed Feb 06, 2019 11:28 pm
Forum: Personal Consumer Issues
Topic: Is General Practitioner [billing Medicare correctly?]
Replies: 88
Views: 4399

Re: Is General Practitioner Scamming Medicare

Hi I think the advanced care planning is a requirement To be asked during wellness visit. Did not know it was a seperate charge though. In regards to the gerd was it a problem addressed during the visit? There is but there are certain qualifications you have to meet. I believe the CPT is 99497. now...
by brennok
Tue Feb 05, 2019 9:25 pm
Forum: Investing - Theory, News & General
Topic: BenefitWallet HSA - anyone successfully liquidated 100% of investments? (update: also transfer/rollover issues)
Replies: 77
Views: 8252

Re: BenefitWallet HSA - anyone successfully liquidated 100% of investments? (update: also transfer/rollover issues)

How long before Fidelity shows the paperwork received? I mailed two forms to Fidelity on the same day. One was received and processed the 31st meanwhile the HSA paperwork still shows it hasnt been received.
by brennok
Sun Jan 27, 2019 9:53 pm
Forum: Personal Consumer Issues
Topic: Desktop Computer (home): Do you leave it "On" or turn "off" after using?
Replies: 77
Views: 5428

Re: Desktop Computer (home): Do you leave it "On" or turn "off" after using?

My Plex server stays on 24/7, but my living room PC is only on when I am home or running something.
by brennok
Thu Jan 24, 2019 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Safe to consider early retirement at 42 vs benefit of sticking it out?
Replies: 76
Views: 7645

Re: Safe to consider early retirement at 42 vs benefit of sticking it out?

You can go to the Social Security website and use their calculator and specify that you stop working at 42. I just retired a few years ago and I am living a pretty middle class lifestyle compared to some of the posters here but I would suspect that your $28,000 may be low for retirement expenses. Y...
by brennok
Thu Jan 24, 2019 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Safe to consider early retirement at 42 vs benefit of sticking it out?
Replies: 76
Views: 7645

Re: Safe to consider early retirement at 42 vs benefit of sticking it out?

Thanks everyone. I have definitely not ruled out finding other employment, and I am keeping my eyes open even inside the new company. I have no plans to quit tomorrow or even next week, but it just seems every day it is one more straw. Since everything is transitioning still, there might be subtle c...
by brennok
Wed Jan 23, 2019 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Safe to consider early retirement at 42 vs benefit of sticking it out?
Replies: 76
Views: 7645

Re: Safe to consider early retirement at 42 vs benefit of sticking it out?

Are you sure the current state of the job represents the longer term prospects? In other words, has enough time passed that you know the job is no longer one that you want to live with? What about earnings in the self employed gig economy? A part time job could really make your financial future mor...
by brennok
Wed Jan 23, 2019 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Safe to consider early retirement at 42 vs benefit of sticking it out?
Replies: 76
Views: 7645

Safe to consider early retirement at 42 vs benefit of sticking it out?

My employer was recently purchased and with the transition I am hating my new position. There have already been multiple changes which have me reconsidering sticking around, but I am also weighing sticking around just to put more away. My original plan was to work till say 55 and then see what I wan...
by brennok
Sun Jan 13, 2019 10:10 pm
Forum: Personal Consumer Issues
Topic: How do I stop jeans from ripping in the thighs?
Replies: 70
Views: 7459

Re: How do I stop jeans from ripping in the thighs?

There are a few companies that specialize in bodybuilder cut jeans. They tend to be wider cut in the thighs with a bit of stretch in the material.
by brennok
Thu Jan 03, 2019 9:57 pm
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 9500

Re: Your ideal home size

Single and currently live in 2700 sq ft. There is definitely wasted space, but it also isnt the most efficient floorplan so in some ways I am limited unless I decide to gut it.
by brennok
Sun Dec 16, 2018 12:03 am
Forum: Personal Finance (Not Investing)
Topic: How to handle excess HSA contribution?
Replies: 5
Views: 699

Re: How to handle excess HSA contribution?

This happened to me and I asked my HR to see what they could do. They were able to pull the excess fee free and just cut me a paper check with taxes withheld.
by brennok
Sat Dec 15, 2018 11:56 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 102
Views: 6651

Re: Volkswagen Reliability

No issues with my 04 Jetta GLI which I traded in for a VW R32 which had no issues when I traded it in for a 2016 Golf R.

Now just waiting to see what the next Golf R looks like in 2020 or 2021.
by brennok
Thu Dec 06, 2018 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 145
Views: 16588

Re: Retirement itch- when did you get it?

As an MD, I think about early retirement (early-mid 50s) all the time. I worry that because it is all consuming and has been my life for years, that I’l feel empty or lack purpose if I just completely get out. But the stress, long hours, corporate bs, productivity quotas and liability will make lea...
by brennok
Wed Dec 05, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: Alternatives to TIVO
Replies: 25
Views: 16053

Re: Alternatives to TIVO

I use TiVo with lifetime.

These days you now have Plex with their DVR as another alternative.
by brennok
Tue Dec 04, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Problem with Medical Equipment Vendor: Insurance Issues
Replies: 9
Views: 1267

Re: Problem with Medical Equipment Vendor: Insurance Issues

Medicare has timely filing limit of 12 months so no issue there. You should have EOBs stating what the insurance companies paid and what your responsibility was. You should be able to contact your insurance to see if they have an updated EOB in case they reprocessed or sent out a request for more i...
by brennok
Mon Dec 03, 2018 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 145
Views: 16588

Re: Retirement itch- when did you get it?

40 or so. I liked my job. It was easy and management was hands off. Employer is bought out and so far it isnt looking positive. I am still waiting to see how things turn out, but I already dislike the changes we know about especially my job duties. For now I plan to just continue maxing my 401k and ...
by brennok
Mon Dec 03, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5904

Re: Do you get a year end bonus?

Nope, I am getting screwed this year. Employer is being bought out and company is transitioning this month. As a result annual review and Xmas bonuses were scrapped. Even better new company does their annual reviews in November so wont even be eligible for a raise for another year. It is par for the...
by brennok
Mon Dec 03, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: Problem with Medical Equipment Vendor: Insurance Issues
Replies: 9
Views: 1267

Re: Problem with Medical Equipment Vendor: Insurance Issues

Medicare has timely filing limit of 12 months so no issue there. You should have EOBs stating what the insurance companies paid and what your responsibility was. You should be able to contact your insurance to see if they have an updated EOB in case they reprocessed or sent out a request for more in...
by brennok
Sun Nov 25, 2018 11:12 pm
Forum: Personal Consumer Issues
Topic: Google Voice, do unused numbers get deleted?
Replies: 21
Views: 2271

Re: Google Voice, do unused numbers get deleted?

I use it to forward calls to both my home and my cell.

Yes they do cancel the number if it isnt being used, but they do give you warning.
by brennok
Thu Nov 22, 2018 11:38 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 80
Views: 10659

Re: Rodents ate my car!

My VW suffered a similar fate. I went to leave work and a squirrel had chewed through my wiring harness. My insurance covered the damage up to my deductible.
by brennok
Wed Nov 21, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: MaxMyInterest - anyone care to share any feedback?
Replies: 4
Views: 918

Re: MaxMyInterest - anyone care to share any feedback?

Never heard of it myself, but sounds interesting. It sounds like they have limited options though so this is probably aimed more at those with local savings not earning much.
by brennok
Wed Nov 21, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Floodlight with motion sensor
Replies: 17
Views: 1255

Re: Floodlight with motion sensor

I would almost opt not for a motion sensor light that high up. I have some older ones which as the motion sensor has aged it has stopped working. If the light just stayed on at night, I wouldn't bother, but since nothing works as a result I am currently on the hunt to replace 3 of my motion lights a...
by brennok
Sat Nov 17, 2018 11:47 pm
Forum: Personal Consumer Issues
Topic: Men's crew neck t-shirts
Replies: 47
Views: 4184

Re: Men's crew neck t-shirts

I really like the Jockey shirts straight from Jockey. Amazon also sells them. I found the ones from Walmart and Target werent as nice even when they were Jockey brand.
by brennok
Tue Nov 13, 2018 9:30 pm
Forum: Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 96
Views: 17497

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

It should be automatic. I believe if you are still under the 10 day guarantee you will have an indicator next to the rate that pops up the message about the 10 day rule.
by brennok
Tue Nov 13, 2018 9:03 pm
Forum: Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 96
Views: 17497

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

Opened again at 2.1 on the 4th so should make the 10 day cutoff.
by brennok
Sat Nov 10, 2018 11:31 pm
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4711

Re: tipping for grocery delivery

I don't tip unless they do something above and beyond. I already paid for delivery.

I believe it is doordash that splits the delivery fee with the driver. If you tip they get a $1 instead and 100% of the tip.
by brennok
Fri Nov 09, 2018 10:12 pm
Forum: Investing - Theory, News & General
Topic: Would you still jump if you were ready, then the market dropped 50%??
Replies: 40
Views: 5141

Re: Would you still jump if you were ready, then the market dropped 50%??

I agree with a poster above. If my planned number was 4% but knew I could easily survive at 2% I doubt it would change anything. This is assuming I am retiring because I am burned out or hate my job though. If I could easily see myself working at the same place for another year or so I would opt to ...