Search found 199 matches

by brennok
Thu Dec 06, 2018 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 120
Views: 10851

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: 15377

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: 1074

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: 120
Views: 10851

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: 5149

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: 1074

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: 2078

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: 73
Views: 8280

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: 806

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: 1097

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: 3706

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: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 96
Views: 14991

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: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 96
Views: 14991

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: 4087

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: 4707

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 ...
by brennok
Thu Oct 25, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 57
Views: 5224

Re: What to do with >$1000 in Amazon credits?

Synology NAS and a few WD Red drives.
Security cameras
Shoes. They seem to have much the same selection as Zappos at the same prices.
New Paperwhite Kindle just released.
by brennok
Thu Oct 18, 2018 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 113
Views: 6977

Re: Depositing Cash if it was gifted?

I'll bet there's probably more cash in other places in the house. (My in-law put a deceased's persons stuff in the front yard for a yard sale, then started going through the pockets. After they found several hundred dollars, they pulled all the clothes inside for another time. The original family d...
by brennok
Thu Oct 11, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: No bill to me - but found strange things on my health plan records
Replies: 32
Views: 2857

Re: No bill to me - but found strange things on my health plan records

I guess I should look. Since I only go once every two years for a physical I haven't paid much attention. But it probably pays to look and report something in case it is Medicare fraud -- seems like the responsible thing to do. There was also a similar "claim" in August for almost $200 citing my Pr...
by brennok
Thu Oct 11, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Best Couch for Big and Tall Person
Replies: 22
Views: 58850

Re: Best Couch for Big and Tall Person

Check out Taylor King. They have a nice custom program that is affordable. Lots of good info on http://www.myfurnitureforum.com/
by brennok
Tue Oct 09, 2018 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Helping girlfriend (full-time teacher) with retirement options: 401k, 403b, 457?
Replies: 15
Views: 1638

Re: Helping girlfriend (full-time teacher) with retirement options: 401k, 403b, 457?

Good info. My brother recently became a Colorado school teacher and I was trying to look over his options to give him advice. If I understand everything, skip the 403b and fund the 401k and 457 to the max he can afford. You can actually max both plans to 18,500 if you can afford it. Of course this i...
by brennok
Sun Oct 07, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Fakespot vs. Reviewmeta for Amazon?
Replies: 16
Views: 1923

Re: Fakespot vs. Reviewmeta for Amazon?

Not really, I tend to just run questionable products on both since it is quick and if one site fails the item I look for a different one.
by brennok
Sat Oct 06, 2018 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Sellers remorse - selling business
Replies: 44
Views: 4879

Re: Sellers remorse - selling business

My only thoughts on this are Digg turned down 200million from Google only to sell for 500k 4 years later.
by brennok
Sat Oct 06, 2018 8:59 pm
Forum: Personal Consumer Issues
Topic: Fakespot vs. Reviewmeta for Amazon?
Replies: 16
Views: 1923

Re: Fakespot vs. Reviewmeta for Amazon?

I use both. They look at diiferent metrics to determine what might or might not be a fake review. Reviewmeta was wriiten by a bodybuilder originally to analyze supplements when he saw his own review site being overrun. It was covered on Reply All or Planet Money. EDIT: Looks like it is Planet Money....
by brennok
Tue Oct 02, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Shopping for All Inclusive Vacations
Replies: 6
Views: 1094

Re: Shopping for All Inclusive Vacations

I think one way to go about doing it is more think about is there something specific you would like to do. For example I know some people who loved biking and found Trek and a couple other companies offers all inclusive bike tours ranging in different levels of skills snd amenities based off what yo...
by brennok
Mon Oct 01, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another CP2000 for Roth IRA conversion thread
Replies: 43
Views: 5023

Re: Yet another CP2000 for Roth IRA conversion thread

This is when I hate the USPS Informed Delivery. Saturday the 29th I received a scan showing an IRS letter coming, but not in the mail Saturday even though the rest of the scans were. It didn't come today either so hoping it comes tomorrow with good news.
by brennok
Tue Sep 25, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 658
Views: 83526

Re: How much money do you want to retire?

Low 40s and 5m today to retire My SS will always be low and even their projections don't cover half my current salary if I delay to 70 and keep working. Based off some of the current calculators my SS would be worth a fifth of my current income if I retired today. Currently though I don't have a set...
by brennok
Tue Sep 25, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Someone stole my check from the mail, changed the amount, and deposited it
Replies: 61
Views: 8018

Re: Someone stole my check from the mail, changed the amount, and deposited it

Not sure if this went to a person's home address or a business, but if a home address you may want to see if they are signed up for the USPS service that emails you a scan of the incoming mail. If so they should be able to go through the images to see if it hit their mailbox or at least their local ...
by brennok
Mon Sep 24, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 71
Views: 9111

Re: Losing Passion for Hobbies. Cheap or normal aging?

In my 40s and I have lost interest in pretty much all my hobbies except reading. Frugality is a big reason combined with my attitudes and views not meshing with how they do things these days. It seems every hobby I enjoyed just gets so expensive I no longer enjoy it. I keep looking for a hobby that ...
by brennok
Fri Sep 07, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 67
Views: 7080

Re: Men’s Underwear recommendation

I usually stick with Jockey classic BB because I have always had big thighs. I find most BBs have narrow legs so I always stretch them out super quick or I have to go one size up which is way too big. I will have to check some of these other brands. Jockey still makes my preferred black undershirts ...
by brennok
Fri Sep 07, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: What will you do when you find you have more money than expected?
Replies: 91
Views: 10040

Re: What will you do when you find you have more money than expected?

It depends on how much more money we are discussing. If my net worth has doubled, probably not much different. If my net worth has gone up by a factor of 10 or more, I would definitely do 1. It would have to jump to a point I didn't feel I would ever be at risk of going broke before I would signific...
by brennok
Sun Sep 02, 2018 8:38 pm
Forum: Investing - Theory, News & General
Topic: Possible Change to RMDs? [Executive order]
Replies: 47
Views: 6262

Re: Possible Change to RMDs? [Executive order]

So if you are already taking RMDs would this affect you? Or would you just continue to use the old table? Does anyone know what happened in 2002 when the tables were updated?
by brennok
Fri Aug 24, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 8809

Re: $65K Fun Daily Driver

I like my Golf R, but yeah a stroller would be a tight fit. Nice mod potential though, but the rumors are the next gen will be a bump in power. Based off your current cars, I would say ATS-V or MB C63 AMG or even AMG GLC63 S. You could even look at a Hellcat, but I don't think the finishes will be ...
by brennok
Thu Aug 23, 2018 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another CP2000 for Roth IRA conversion thread
Replies: 43
Views: 5023

Re: Yet another CP2000 for Roth IRA conversion thread

Add me as another.

Re characterized in March 2017.
by brennok
Thu Aug 23, 2018 11:39 pm
Forum: Personal Consumer Issues
Topic: Have a 50K hospital bill reason - too much insurance
Replies: 16
Views: 2441

Re: Have a 50K hospital bill reason - too much insurance

I always tell the doctor's office/hospital to figure it out with insurance. I pay them enough money that they can be adults and figure it all out themselves. This has worked multiple times with bills ranging from a couple hundred to several thousand dollars. I've noticed only in the last couple of ...
by brennok
Thu Aug 23, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 8809

Re: $65K Fun Daily Driver

I like my Golf R, but yeah a stroller would be a tight fit. Nice mod potential though, but the rumors are the next gen will be a bump in power. Based off your current cars, I would say ATS-V or MB C63 AMG or even AMG GLC63 S. You could even look at a Hellcat, but I don't think the finishes will be u...
by brennok
Sat Aug 04, 2018 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 96
Views: 14991

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

Up to 2% now for 25k. Ally's slow pace of reacting to Fed rate hikes is not serving them well. Had they increased this rate to 2.0% back in June I would like not have moved 95% of my cash from Ally to Fidelity's Premium Class MM. If their goal it to maintain or increase funds on deposit they need t...
by brennok
Sat Aug 04, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 96
Views: 14991

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

Up to 2% now for 25k. Ally's slow pace of reacting to Fed rate hikes is not serving them well. Had they increased this rate to 2.0% back in June I would like not have moved 95% of my cash from Ally to Fidelity's Premium Class MM. If their goal it to maintain or increase funds on deposit they need t...
by brennok
Fri Aug 03, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 5095

Re: Which diet soda pop do you enjoy?

Soda wise I really only drink Coke. Cream Soda is a distant second. I have never found a diet soda I enjoyed.

Now on the other hand I always preferred sugar free Kool-Aid but maybe that is because this is what we grew up with in the house.
by brennok
Fri Aug 03, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Digital Subscription Nightmare - PSA
Replies: 24
Views: 1495

Re: Digital Subscription Nightmare - PSA

This is the link you go to on Amazon to manage your subscriptions in case you signed up for the digital subscription through Amazon.

https://www.amazon.com/yourmembershipsandsubscriptions
by brennok
Fri Aug 03, 2018 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Temporary investment of house sale proceeds $250K
Replies: 6
Views: 686

Re: Temporary investment of house sale proceeds $250K

Ally has an 11 month no penalty CD paying 2%.
by brennok
Mon Jul 02, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: Neighbor's drainage issue causing problems
Replies: 54
Views: 4208

Re: Neighbor's drainage issue causing problems

Go and look at the drain. We had a similar problem in our work parking lot. The drain was so packed with dirt you couldn't even see the drain pipe and it was this way when the company moved into this location. Finally when they redid some concrete they had someone look at it and it just needed to be...
by brennok
Sun Jun 24, 2018 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 22141

Re: Can you retire on $2M?

I face this actual dilemma. In my early 40s, no mortgage, around 2m networth including retirement, my only debt is about 4k owed on my car. I go back and forth daily since some days it would be nice to walk away from my job for many of the reasons mentioned here, but many of the mentioned concerns h...
by brennok
Sun Jun 24, 2018 11:13 pm
Forum: Personal Consumer Issues
Topic: Recommendations for ice machine
Replies: 22
Views: 2008

Re: Recommendations for ice machine

It depends on his fridge. I have a Whirlpool and on the weekends by myself can go through all the ice. Some ice makers just struggle to make enough. Also if you like ice cold drinks it is easy to go through a ton if ice. I have also noticed the newer icemakers make smaller cubes which melt faster so...
by brennok
Sat Jun 23, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: Garage refrigerator
Replies: 22
Views: 2979

Re: Garage refrigerator

I always moved the fridge from inside the house and upgraded the one in the house if the fridge died. We never had an issue with the ones either on the back porch or in the garage. We finally just dropoed the fridge for a freezer when we no longer needed the extra fridge space.
by brennok
Thu May 31, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have a monthly household budget?
Replies: 63
Views: 4650

Re: Do you have a monthly household budget?

Nope and I have never had a budget. I have always been good at not spending so never felt the need.
by brennok
Thu Apr 19, 2018 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest $950,000 over next 45-90 days
Replies: 29
Views: 5152

Re: How to invest $950,000 over next 45-90 days

Factor1 wrote:
Thu Apr 19, 2018 12:57 pm
Alexa9 wrote:
Thu Apr 19, 2018 12:30 pm
Ally Savings Account 1.45%
I don't think you want it locked in a CD or have any risk of a bond fund.
Money market fund is probably fine for such a short period of time though.
Yes, I do not want to be locked in with a CD either.
Ally does have a 11 month no penalty CD.
by brennok
Fri Apr 13, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Recharacterize small Roth contribution to nondeductible IRA? or withdraw?
Replies: 4
Views: 247

Re: Recharacterize small Roth contribution to nondeductible IRA? or withdraw?

I don't see myself ever being in a lower tax bracket where it will make sense to do a backdoor Roth due to an inherited IRA and the RMDs. I think you have misunderstood something. Being in a lower bracket is not needed or even desirable in order to use the back door to Roth. If you recharacterize t...
by brennok
Fri Apr 13, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Recharacterize small Roth contribution to nondeductible IRA? or withdraw?
Replies: 4
Views: 247

Recharacterize small Roth contribution to nondeductible IRA? or withdraw?

It looks like I made more money than I expected in 2017 due to some unforeseen bonuses. Unfortunately I didn't catch the automatic Roth IRA contribution I previously setup at Vanguard at the beginning of 2017 prior to a contribution so I contributed $500 to a 2017 Roth IRA. Since I am over the phase...
by brennok
Wed Apr 11, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?
Replies: 39
Views: 4541

Re: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?

Many PCPs here won’t treat auto. Here auto claims have a 30 day filing limit and require multiple signed forms from the patient for the first claim which most patents don’t know they need to bring in. If anything is off it gets denied and nothing you can do. You also aren’t contracted with the auto ...