Search found 505 matches
- Thu Mar 28, 2024 12:57 pm
- Forum: Personal Finance (Not Investing)
- Topic: 1099-B Fidelity Supplemental combines Box A/B
- Replies: 2
- Views: 503
Re: 1099-B Fidelity Supplemental combines Box A/B
Anyone with experience with this? Thanks!
- Tue Mar 26, 2024 7:38 pm
- Forum: Personal Finance (Not Investing)
- Topic: 1099-B Fidelity Supplemental combines Box A/B
- Replies: 2
- Views: 503
Re: 1099-B Fidelity Supplemental combines Box A/B
A year later and im still confused by this. I'm actually working with a CPA now who did all sorts of "math" to come up with the final STG and LTGs. However, can't you simply use the Supplemental section's provided proceeds, basis, and disallowed totals? In other words, given all the info in the Supplemental section, do you even need to look at the main section of the 1099?
https://workplaceservices.fidelity.com/ ... _RS_PA.pdf
Thanks
https://workplaceservices.fidelity.com/ ... _RS_PA.pdf
Thanks
- Tue Jan 23, 2024 4:24 pm
- Forum: Personal Consumer Issues
- Topic: Which Boston suburb to settle?
- Replies: 198
- Views: 18378
Re: Which Boston suburb to settle?
I think you guys might be overestimating what $1.5mil gets you in many of the mentioned towns these days. I think an important question is how important is access to the city of Boston and/or Cambridge? Surrounding towns are very nice, but if you're moving here for "Boston" you need to realize you need to essentially be on the T to easily access it regularly. I'd vote Melrose, also. It's a really nice town with progressive leadership, good schools, cute little downtown that is growing, on the Orange line, on the commuter rail, close to 93, and you'll do quite well with $1.5 million there. Arlington is nice and still "in it". My wife is from Hopkinton and we have family in Milton and theyre nice towns, but quite a snoozef...
- Tue Jan 23, 2024 3:23 pm
- Forum: Personal Investments
- Topic: Wash sales across years and taxes
- Replies: 1
- Views: 220
Wash sales across years and taxes
Hi all,
Question for you all. I have RSUs that vest every month. Some vested on December 1st, 2023 and I sold them all on Dec. 10th for a loss. On January 1st, more stock vested and so the Dec 10th loss was disallowed due to it being a wash sale. How is this handled on my 2023 taxes? Do I assume the Jan 1st vest never happened since it's a new year? I'm in a blackout window so can't sell the Jan 1 lot now, but I can next month. If I sell the whole Jan 1 lot, which would undo the wash sale, would/could that be reflected for the 2023 taxes?
Thanks!
Question for you all. I have RSUs that vest every month. Some vested on December 1st, 2023 and I sold them all on Dec. 10th for a loss. On January 1st, more stock vested and so the Dec 10th loss was disallowed due to it being a wash sale. How is this handled on my 2023 taxes? Do I assume the Jan 1st vest never happened since it's a new year? I'm in a blackout window so can't sell the Jan 1 lot now, but I can next month. If I sell the whole Jan 1 lot, which would undo the wash sale, would/could that be reflected for the 2023 taxes?
Thanks!
- Mon Aug 28, 2023 3:46 pm
- Forum: Personal Finance (Not Investing)
- Topic: Marcus High-Yield Savings Account rate increases
- Replies: 319
- Views: 54268
Re: Marcus High-Yield Savings Account rate increases
There are referral code subs on reddit where you can post your referral link and have your five slots of referrals filled up pretty quick. That's over a year of the 1% bonus.
I like Marcus for an EF because it's totally separate from any of my brokerages and easy to forget about or separate from aggregators/calculators, etc. This would be true for any online HYSA, I just mean compared to using money markets at my brokerage.
I like Marcus for an EF because it's totally separate from any of my brokerages and easy to forget about or separate from aggregators/calculators, etc. This would be true for any online HYSA, I just mean compared to using money markets at my brokerage.
- Mon May 01, 2023 4:21 pm
- Forum: Personal Investments
- Topic: TIAA Moving to Retirement Choice
- Replies: 4
- Views: 1006
TIAA Moving to Retirement Choice
I always have a hard time wrapping my head around these plans and contracts, but it sounds like TIAA is moving from our current GRA and GSRA contracts to a new contract called Retirement Choice/RC Plus.
https://www.tiaa.org/public/pdf/underst ... choice.pdf
I currently have TIAA Traditional, the fully liquid type with 3% min, in my GSRA account and it sounds like the new terms are less appealing having a lower guaranteed rate. I do believe it says thatwhat is currently there will stay put forever, its new contributions that are changing. I wonder if I should lump as much as I can into Traditional before it changes over on May 22nd.
Can anyone offer more insight to the pros and cons and what this means effectively?
https://www.tiaa.org/public/pdf/underst ... choice.pdf
I currently have TIAA Traditional, the fully liquid type with 3% min, in my GSRA account and it sounds like the new terms are less appealing having a lower guaranteed rate. I do believe it says thatwhat is currently there will stay put forever, its new contributions that are changing. I wonder if I should lump as much as I can into Traditional before it changes over on May 22nd.
Can anyone offer more insight to the pros and cons and what this means effectively?
- Mon May 01, 2023 12:55 pm
- Forum: Personal Investments
- Topic: Firing my financial advisor but….
- Replies: 28
- Views: 3889
Re: Firing my financial advisor but….
If you're a doctor, it may be a worth a visit to whitecoatinvestor. They're basically bogleheads but also cover a lot of the aspects of running a practice.
- Mon Apr 17, 2023 8:27 pm
- Forum: Personal Finance (Not Investing)
- Topic: 1099-B Fidelity Supplemental combines Box A/B
- Replies: 2
- Views: 503
1099-B Fidelity Supplemental combines Box A/B
Hi all, Nothing like last minute tax prep. I have a 1099-B form from Fidelity for an account used for RSUs. The main part of the 1099-B is organized into sections Short Term Reported to IRS, Short Term NOT reported, LT reported, and LT NOT reported. Because the RSU are taxed on vest, it's important to set the cost basis correctly for calculating gains. This is where the Supplemental section comes in to play. However, the Supplemental section is divided only into Short Term and Long Term. It seems to lump the transactions for Reported and Not Reported together. Do I need to separate them out and add up the new corrected basis for each reporting type? Why aren't they separated and organized the same way? Thanks! Update: I think the reason due...
- Fri Apr 14, 2023 3:49 pm
- Forum: Personal Consumer Issues
- Topic: Carnegie Mellon or Stanford for computer science/robotics?
- Replies: 71
- Views: 7320
Re: Carnegie Mellon or Stanford for computer science/robotics?
Sure there are famous exceptions, but statistically speaking, you have a vastly better chance of getting a good job/career finishing university than not.
- Fri Apr 14, 2023 3:34 pm
- Forum: Personal Consumer Issues
- Topic: Carnegie Mellon or Stanford for computer science/robotics?
- Replies: 71
- Views: 7320
Re: Carnegie Mellon or Stanford for computer science/robotics?
I have a MS Robotics Engineering from WPI and we partnered with CMU on a lot of things including the DARPA Urban Challenge. CMU is definitely top tier in the world of robotics. I'd choose it over even Stanford. Pure CS, I'd prob do Stanford.
I think the value of a MS is high in the robotics field/industry. There is a lot more research and academics involved in this area than perhaps a pure CS job. I got my MS after working for ten years and am very glad I did. My professional world is mostly MS and up.
I think I'd prefer to start the MS right away and get it over with. Working for a year and then stopping just seems too disruptive.
I think the value of a MS is high in the robotics field/industry. There is a lot more research and academics involved in this area than perhaps a pure CS job. I got my MS after working for ten years and am very glad I did. My professional world is mostly MS and up.
I think I'd prefer to start the MS right away and get it over with. Working for a year and then stopping just seems too disruptive.
- Fri Apr 14, 2023 12:51 pm
- Forum: Personal Investments
- Topic: TIAA Traditional at 3% or Fidelity TIPS Fund FIPDX?
- Replies: 373
- Views: 32606
Re: TIAA Traditional at 3% or Fidelity TIPS Fund FIPDX?
Ha, I just found that. I was racing here to update my post and save you all the trouble. Thank you.
It indeed is the 5.25% so off we go with the full exchange.
Thanks, all!
It indeed is the 5.25% so off we go with the full exchange.
Thanks, all!
- Fri Apr 14, 2023 12:26 pm
- Forum: Personal Investments
- Topic: TIAA Traditional at 3% or Fidelity TIPS Fund FIPDX?
- Replies: 373
- Views: 32606
Re: TIAA Traditional at 3% or Fidelity TIPS Fund FIPDX?
My exchange back into Tradition ($1k test amount) is complete. How do I confirm what rate it is? If I click on it in list of investments, it just goes to generic Traditional info. Do I need to call to find out?
Thanks!
Thanks!
- Wed Apr 12, 2023 6:57 pm
- Forum: Personal Investments
- Topic: TIAA Traditional at 3% or Fidelity TIPS Fund FIPDX?
- Replies: 373
- Views: 32606
Re: TIAA Traditional at 3% or Fidelity TIPS Fund FIPDX?
I'm a few days past the 120day mark now. Rates are 5.25% which is great relative to the 3.0% I was in before. I'll prob transfer $1k on Friday. No major rush since VMMFX is still yielding like 4.7% ha.
- Mon Apr 03, 2023 3:51 pm
- Forum: Personal Investments
- Topic: Claiming capital loss from depreciated contribution to DAF
- Replies: 6
- Views: 427
Re: Claiming capital loss from depreciated contribution to DAF
You're already getting to deduct the full value of the stock, you can't also deduct its loss on top of that. The stock isn't sold while in your possession so there are no gains or losses, it's "donated".
- Mon Apr 03, 2023 3:45 pm
- Forum: Personal Investments
- Topic: Roth IRA Xfer from EJ to Vanguard
- Replies: 40
- Views: 2905
Re: Roth IRA Xfer from EJ to Vanguard
Congrats! You should create a portfolio review post so people can comment on the full picture, but generally a Roth IRA is a great place for all equities like VTSAX.investjack019 wrote: ↑Mon Apr 03, 2023 1:26 pm I couldn't recall this but this is what I want : use a target date retirement fund
Short-term (set and forget) comment was more so until I figured out where to place but the above maybe makes the best sense given I am 20+ years out.
I didn't contact EJ. I went through the online flow with Vanguard to initiate the transfer.
I downloaded all of my EJ details beforehand as I heard they disable online access when a person transfers out.
- Sun Mar 05, 2023 12:54 pm
- Forum: Personal Investments
- Topic: Ready to Fire - Trying to make sure I understand the math.
- Replies: 31
- Views: 5006
Re: Ready to Fire - Trying to make sure I understand the math.
Why would you not pay off the car loans?
- Fri Feb 24, 2023 11:56 am
- Forum: Personal Investments
- Topic: Wash Sale - now what?
- Replies: 9
- Views: 1012
Re: Wash Sale - now what?
It's 95% likely to be correct, but still worth the exercise of working it through.
The consequence is that you can not use the loss to offset gains or income tax this year. However, all is not lost, because the basis of the new shares is raised by the amount of the loss so that when you sell the new shares, you have lesser capital gains.
The consequence is that you can not use the loss to offset gains or income tax this year. However, all is not lost, because the basis of the new shares is raised by the amount of the loss so that when you sell the new shares, you have lesser capital gains.
- Fri Feb 24, 2023 9:20 am
- Forum: Personal Investments
- Topic: Getting Rid of Financial Advisor
- Replies: 21
- Views: 2149
Re: Getting Rid of Financial Advisor
If it's your 403b at Fidelity, I don't think you have to tell the FA anything. There's no moving between accounts, no taxable events, etc. Just revoke access, set your 2 or 3 fund index fund portfolio, and forget about it for many years.
- Thu Feb 23, 2023 1:34 pm
- Forum: Personal Finance (Not Investing)
- Topic: Local Cash - Best Options?
- Replies: 17
- Views: 1631
Re: Local Cash - Best Options?
I'd use an online HYSA and just plan to use a credit card to float as needed. I guess that doesn't cover bail, but maybe hanging out in jail a few days while money transfers would build character. :0D
- Thu Feb 23, 2023 12:34 pm
- Forum: Personal Investments
- Topic: Never ending wash sales.. strategy?
- Replies: 25
- Views: 3027
Re: Never ending wash sales.. strategy?
I've basically given up and just sell some gains and some losses and hope for the best some day. :oops: This might all and up with one remaining super lot with a massive basis and enough loss when I sell to last us a lifetime. hah Selling both gains and losses will not avoid any wash sales. See my answer to you above for a way to minimize them, but to repeat: Say you have X shares vesting per month. If you sell fewer than 2X shares (at a loss) you cannot avoid a wash sale. If you want to sell >2X shares (at a loss), then the first 2X shares will be washed, while the rest will be ok (you get to recognize their loss). You can reduce this to 1X if you also sell last month's shares. So to optimize this, first sell 2X shares with very small los...
- Thu Feb 23, 2023 10:45 am
- Forum: Personal Investments
- Topic: Never ending wash sales.. strategy?
- Replies: 25
- Views: 3027
Re: Never ending wash sales.. strategy?
I sold some recent lots (for a gain) recently. Currently my most recent lot is from January 1, 2023. So more than 30 days away. Say I sold a random lot today for a loss. There would be no wash sale, yet. March 1st comes, a new lot vests, now my sale is a wash, it steps up the basis on this new March 1st lot, loss is disallowed. A) If I then sell the March 1st lot entirely for a gain, the gain is minimized due to the basis step up so my capital gains are lessor, but I still don't have a loss for taxes this year. B) if I then sell the March 1st lot entirely for a loss, this won't be a wash sale yet because there is no Feb 1st lot, but it will become a wash sale on April 1st. The March 1st lot is already stepped up from the original sale's dis...
- Thu Feb 23, 2023 8:17 am
- Forum: Personal Investments
- Topic: Never ending wash sales.. strategy?
- Replies: 25
- Views: 3027
Re: Never ending wash sales.. strategy?
You could break the cycle by, for one month, elect to deposit cash into the account in order to cover the tax withholding, instead of selling some of the vesting shares to cover the tax withholding. The RSUs simply vesting within +/- 30days is enough to wash any sale at a loss, right? The fact that some shares are sold for taxes is just one more transaction that month that is either a gain or a loss. Half the time those shares sold for taxes are at a small loss and get washed as well. Looking through the long list of lots, probably 3/4ths already have basis adjusted due to wash sales. I've basically given up and just sell some gains and some losses and hope for the best some day. :oops: This might all and up with one remaining super lot wi...
- Wed Feb 22, 2023 9:47 pm
- Forum: Personal Investments
- Topic: Never ending wash sales.. strategy?
- Replies: 25
- Views: 3027
Re: Never ending wash sales.. strategy?
Say I get 50 shares every month. If I sell 100 shares, at almost any time, they'll be a wash and the loss will be added to the basis of both the 50 shares in the 30 days before and the 50 shares in the 30 days after to cover the wash, right? So I'd need to sell more than 100 shares to actually create a loss that I can use on my taxes in that year?
- Tue Feb 21, 2023 7:53 pm
- Forum: Personal Consumer Issues
- Topic: Lastpass - abandon? Best alternative for Mac+iOS+Windows+Yubikey household
- Replies: 55
- Views: 5229
Re: Lastpass - abandon? Best alternative for Mac+iOS+Windows+Yubikey household
I've been using Dashlane for over five years on PC/Mac, Firefox/safari/chrome, and iOS and it works great. It's not the cheapest, but quit polished with really good autofill, and has other tools like password health, auto generator, dark web monitoring, password sharing, etc. They're also active and transparent on their subreddit.
I also use Bitwarden at work bc it's free and it does the job, but it's very spartan. Doesn't autofill or have many extra bells and whistles.
I also use Bitwarden at work bc it's free and it does the job, but it's very spartan. Doesn't autofill or have many extra bells and whistles.
- Sun Feb 19, 2023 7:22 pm
- Forum: Personal Investments
- Topic: Never ending wash sales.. strategy?
- Replies: 25
- Views: 3027
Never ending wash sales.. strategy?
Hi all, My wife's compensation is largely RSUs and they grant monthly. She has many dozens of vested lots. It's setup so shares sell on vest to cover taxes, and about half the time these sales are wash sales. So looking through her lots, about half already have an adjusted basis due to wash sales. We want to sell some shares, but many (and all of the LTCG lots) are at a loss now. If we sell any of them, it'll trigger a wash sale and the loss will be disallowed. So effectively, no how matter what we sell, the loss is almost always disallowed. The basis of the recent' lots which were within 30days of the sale is stepped up so we don't lose the loss of course. But say I sell that lot with the stepped up basis, that'd also be a wash sale and so...
- Sun Feb 19, 2023 7:08 pm
- Forum: Investing - Theory, News & General
- Topic: Employee Stock Purchase Program and selling RSUs
- Replies: 18
- Views: 1592
Re: Employee Stock Purchase Program and selling RSUs
We're in a similar situation, RSUs vesting monthly and it's hard to keep up with blackout windows, etc. Too much has accumulated and a lot of it is in the red.
We're going to setup a 10b5-1 this year to "automate" the selling of it. I can't speak to how it works quite yet, but might be something to look into because it allows you to sell even during blackouts.
We're going to setup a 10b5-1 this year to "automate" the selling of it. I can't speak to how it works quite yet, but might be something to look into because it allows you to sell even during blackouts.
- Sun Feb 19, 2023 4:48 pm
- Forum: Personal Investments
- Topic: Moving 3M out of markets…..where to put it?
- Replies: 257
- Views: 40403
Re: Moving 3M out of markets…..where to put it?
You mentioned earlier in a merged thread that at least one of the three accounts that you sold stock in was "joint" and "joint" means it must be a taxable account. Say one of the three million you sold were in this taxable account. Say your basis was $250k and you sold it for a million. That'd mean you owe over $135k in taxes this year just for that account. If all $3m came from taxable accounts, your tax bill would be 3x that.
You can afford it, but it could be quite a big tax bill that may warrant a pro to look over.
I used this calculator:
https://www.nerdwallet.com/article/taxe ... -tax-rates
You can afford it, but it could be quite a big tax bill that may warrant a pro to look over.
I used this calculator:
https://www.nerdwallet.com/article/taxe ... -tax-rates
- Sat Feb 18, 2023 12:20 pm
- Forum: Personal Finance (Not Investing)
- Topic: RSU cost basis correction
- Replies: 10
- Views: 1230
Re: RSU cost basis correction
Yep, see if a Supplemental is available. I couldn't live without it. (our RSUs are handled by Fidelity)
- Thu Feb 16, 2023 2:28 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard Customer Service Mega-thread
- Replies: 1514
- Views: 169544
Re: Vanguard Customer Service Mega-thread
In preparation to transfer to Fidelity, I've called Vanguard a few times lately to convert MFs to ETFs in various accounts and ask a question about basis. I must say, the wait times have been short and the help really good. Actually makes me feel kind of guilty.
- Thu Feb 16, 2023 2:19 pm
- Forum: Personal Finance (Not Investing)
- Topic: Fidelity as a one stop shop
- Replies: 6056
- Views: 1037569
Re: Fidelity as a one stop shop
What are typical account transfer to Fidelity incentives these days? I talked to a rep who said he could do $2500 for moving a little over a million over from Vanguard. Seems pretty good to me. *shrug*
- Thu Feb 16, 2023 2:01 pm
- Forum: Personal Finance (Not Investing)
- Topic: Help me avoid a new car blunder! [How to purchase]
- Replies: 40
- Views: 2888
Re: Help me avoid a new car blunder! [How to purchase]
If the '86 Honda is in good shape, it could actually worth some decent money depending on what it is. I'd do some homework there as well. '80s cars are hot in the collector/enthusiast world these days. Check out bringatrailer.com
- Thu Feb 16, 2023 1:59 pm
- Forum: Personal Finance (Not Investing)
- Topic: Real estate gurus: is the 1% rule realistic?
- Replies: 58
- Views: 7978
Re: Real estate gurus: is the 1% rule realistic?
Pretty much only the midwest and maybe southeast like Alabama are cash flowing these days. I've been reading up a lot on RE lately and am leaning more toward passive investing through syndications. White Coat Investor is a pretty boglehead'ish but with an added RE component. Maybe read there a bit.
- Mon Feb 06, 2023 10:27 am
- Forum: Personal Investments
- Topic: Should I stay in VMFXX ?
- Replies: 58
- Views: 8938
Re: Should I stay in VMFXX ?
I dunno, i think it's pretty easy to stay on top of interest/MM rates as well as bond market rates. I'm happily in VMFXX at the moment.
- Mon Feb 06, 2023 9:29 am
- Forum: Personal Finance (Not Investing)
- Topic: I’m the nouveau riche
- Replies: 148
- Views: 25098
Re: I’m the nouveau riche
I think here's' a lot of income inequality going around these days, particularly around tech. The recent prevalence is unique in history I think where say a group of friends who grew up together from similar families can suddenly have immense disparities in income. We literally make 15x what some of our friends do, teachers vs tech sector. We're the same people, all working hard, all have work stress, etc. It does make one feel sorta guilty. I will say that I have zero desire to live a "real housewives" lifestyle.
- Mon Feb 06, 2023 8:47 am
- Forum: Personal Consumer Issues
- Topic: How to use password manager
- Replies: 19
- Views: 1846
Re: How to use password manager
I've been using Dashlane for about five years now and think it's great. My whole family is on a family plan and my wife and I heavily use the sharing feature. We use it on PCs, Macs, Safari/Chrome/Firefox, iPhone and android. All work great. I also like that the Dashlane subreddit is active and their devs and even CTO post on there. I enabled 2FA on Dashlane itself using the Authy app on my phone. On my desktops (also applies to laptop while docked) I set Dashlane to only require password (with 2FA) every 14 days and when the computer reboots. I think this is a reasonable trade off on usability and security. If someone guessed my master password, they'd still need my 2FA. For laptops (with fingerprint scanner) and phones (with FaceID), you ...
- Mon Feb 06, 2023 8:22 am
- Forum: Personal Finance (Not Investing)
- Topic: Quicken 2019 and forward
- Replies: 1062
- Views: 115454
Re: Quicken 2019 and forward
I must say, Quicken for Mac has really come a long way in the past few years. Every quarterly update has solid new features. It's very fast to update now, too. I'm glad its being prioritized.
- Fri Feb 03, 2023 11:14 am
- Forum: Personal Consumer Issues
- Topic: Any audiophiles on this forum?
- Replies: 326
- Views: 42102
- Wed Feb 01, 2023 6:51 pm
- Forum: Personal Investments
- Topic: Is it time to get out of TIAA Real Estate (QREARX)?
- Replies: 16
- Views: 3294
Re: Is it time to get out of TIAA Real Estate (QREARX)?
It seems to be on the not-so-unexpected downward slope now... what do we do? :o I don't know; I've read that some people are moving back into it, some are just moving out now, some aren't changing anything. It's down about what, 5% so far? And of course Traditional is a less desirable alternative than it was yesterday, so there's that too, assuming that's where you might put money you take out of Real Estate. Ha, all my Traditional is currently pulled out and waiting its four months to hop back in at hopefully a higher rate vintage. It was 3.0% so I guess I can't lose. The money market its in now is 4%. It goes back in mid April. I see it went down a quarter for Feb. but it should still be pretty good next month. As for QREARX, my only goo...
- Wed Feb 01, 2023 5:58 pm
- Forum: Personal Investments
- Topic: Is it time to get out of TIAA Real Estate (QREARX)?
- Replies: 16
- Views: 3294
Re: Is it time to get out of TIAA Real Estate (QREARX)?
Yeah, I was watching that thread then but was too nervous. Then I forgot about it. Now I'm convinced.
- Wed Feb 01, 2023 5:42 pm
- Forum: Personal Investments
- Topic: Is it time to get out of TIAA Real Estate (QREARX)?
- Replies: 16
- Views: 3294
Re: Is it time to get out of TIAA Real Estate (QREARX)?
It seems to be on the not-so-unexpected downward slope now... what do we do?
- Mon Jan 30, 2023 8:04 pm
- Forum: Personal Finance (Not Investing)
- Topic: Does anybody here lease cars?
- Replies: 83
- Views: 8125
Re: Does anybody here lease cars?
Like with buying, there are good and bad deals with leasing. Check out https://leasehackr.com.
- Mon Jan 30, 2023 7:48 pm
- Forum: Personal Consumer Issues
- Topic: Suggestion for a cheap but decent headpones
- Replies: 33
- Views: 2964
Re: Suggestion for a cheap but decent headpones
I disagree on the MDR7506s. I have a pair and they kill my ears. They're also rather thin and bright without EQ. They're studio headphones because they're designed for tracking while recording. You want them to cut, not necessarily be accurate, for that purpose.
The ATH-M50s are a much nicer daily driver. They're accurate, but also "fun". Comfortable, durable.
I haven't heard them myself, but I've heard really good things about the AKG K371s. I think the build quality isn't awesome, but they're tuned very well.
Massdrop has the HD6xxs on sale now for $240. They're the same exact thing as HD650s. They are open back, but are the comfiest thing I've ever put on my head and sound just generally pleasing. Highly recommend.
The ATH-M50s are a much nicer daily driver. They're accurate, but also "fun". Comfortable, durable.
I haven't heard them myself, but I've heard really good things about the AKG K371s. I think the build quality isn't awesome, but they're tuned very well.
Massdrop has the HD6xxs on sale now for $240. They're the same exact thing as HD650s. They are open back, but are the comfiest thing I've ever put on my head and sound just generally pleasing. Highly recommend.
- Fri Jan 27, 2023 8:13 pm
- Forum: Personal Investments
- Topic: Early retirement -- good to go?
- Replies: 113
- Views: 16679
Re: Early retirement -- good to go?
We're DINKs in MA, early 40s, with a little more stashed away. I'd be super nervous about retiring now, but I think our yearly spend is more than yours. That estimate is everything, are you sure you can sustain it for 45 more years? I'm also a master of hobbies, but would think I'd be bored to death hanging around the house all day while my wife worked. I don't think I'd be comfortable with that imbalance even if my wife said she was. So of course you can make it work, but I feel like you're tempting fate in so many ways. What's so bad about working in a career you enjoy? You have the freedom to find it.
- Fri Jan 27, 2023 3:40 pm
- Forum: Personal Consumer Issues
- Topic: Technivorm Moccamaster KBTS coffee machine
- Replies: 65
- Views: 6372
Re: Technivorm Moccamaster KBTS coffee machine
Nice, I got a Baratza burr grinder, the cheaper/est model I think, back when I got the Bonavita. So going on ten yearsish of daily use as well. I occasionally make French press, clever dripper, or even espresso if I dig the machine out and that grinder has served well.bikechuck wrote: ↑Fri Jan 27, 2023 11:12 am I bought a Moca Master and a Baratza Virtuoso burr grinder as a gift to myself when I retired 6 years ago. I like it and more importantly my wife likes it too.
It is expensive and for whatever reason my carafe has never kept the coffee as hot as I would like so I consider that to be it's only weakness. That weakness is not too important to us as we usually make one pot of coffee in the morning and each have two cups before getting on with our day.
- Thu Jan 26, 2023 9:24 pm
- Forum: Personal Consumer Issues
- Topic: Technivorm Moccamaster KBTS coffee machine
- Replies: 65
- Views: 6372
Re: Technivorm Moccamaster KBTS coffee machine
The Bonavita is also SCA certified and has lots of good reviews for the half the price. I have the older version of this one and it's going on ten years old.
https://www.amazon.com/Bonavita-One-Tou ... FO1HK?th=1
https://www.amazon.com/Bonavita-One-Tou ... FO1HK?th=1
- Thu Jan 26, 2023 5:05 pm
- Forum: Investing - Theory, News & General
- Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
- Replies: 7772
- Views: 1352295
Re: The Final, Definitive Thread on Brokerage Transfer Bonuses
I'm going to be moving over a little over a million from Vanguard to Fidelity. It'll be my wife and I's Roth IRAs and our taxable account. How should I go about trying to get a bonus? We're existing Fidelity customers with other accounts, namely wife's 401k and RSU taxable, our DFA, and our HSA.
- Wed Jan 25, 2023 3:37 pm
- Forum: Personal Consumer Issues
- Topic: Why very high speed internet?
- Replies: 168
- Views: 13924
Re: Why very high speed internet?
FIOS gigabit family here. DW and I both work from home, 3 daughters on multiple devices. Multiple streaming to various TV's going on at once. It is not the cheapest option but I don't care. Also have a NetGear Orbi mesh system. This is one of those areas in life where I don't mind paying up. I don't want any hassles with my internet speed or reliability. We used to have Optimum (cable provider in our area). They were terrible, with constant outages, dropped conference calls, etc. They came to the house multiple times and couldn't fix the problem, so I switched to FIOS. Our internet never goes out unless there is a power outage. FIOS' reliability in our area is rock solid. Never going back to cable. Ha, I didn't mention reliability initiall...
- Wed Jan 25, 2023 3:26 pm
- Forum: Personal Consumer Issues
- Topic: SoftwareGeek's Guide to Computer Security
- Replies: 608
- Views: 71962
Re: SoftwareGeek's Guide to Computer Security
What are you all's thoughts on Argon2 vs PDKDF2? Dashlane uses Argon2 by default, but you can opt to use PDKDF2 and set your iterations.
- Wed Jan 25, 2023 2:52 pm
- Forum: Personal Investments
- Topic: Mega Backdoor Roth at 32% federal marginal tax rate?
- Replies: 52
- Views: 4069
Re: Mega Backdoor Roth at 32% federal marginal tax rate?
I'm wondering if Fidelity will stop my contributions when I hit the limit.
- Wed Jan 25, 2023 1:58 pm
- Forum: Personal Investments
- Topic: Mega Backdoor Roth at 32% federal marginal tax rate?
- Replies: 52
- Views: 4069
Re: Mega Backdoor Roth at 32% federal marginal tax rate?
Yes. And no... Yes, in the sense that your Roth IRA is a separate account from your 401k. In that same vein, a "Backdoor" Roth is completely independent from a MBR. You can do both - independently from each other. The accounts could remain forever separate if you wanted. But where the paths may cross, is at somepoint , you may want to transfer money from your after-tax/MBR/Roth 401k into your Roth IRA. Again, plans vary wildly... But if your MBR doesn't allow in-plan conversions (or limits then, or has fees for them, or has bad investment options), but it allows "rollovers" to your Roth IRA, that might be advantageous. Or as previously noted, if you want to access the funds before 59.5 and/or separation from employer, m...