Search found 140 matches

by AllMostThere
Sun Sep 27, 2020 7:58 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2153
Views: 228039

Re: [What TV Show Have You Recently Watched?]

Wanted to watch something funny and light hearted. DW started watching "Shichts Creek" . OMG, this show is funny, witty and well done. While it is Adult content, it contains no nudity, violence or vulgar language (don't get me wrong, I have no issue with this type of entertainment and often enjoy th...
by AllMostThere
Sun Sep 27, 2020 7:46 am
Forum: Personal Consumer Issues
Topic: What are subscriptions that add the most value in 2020?
Replies: 76
Views: 5799

Re: What are subscriptions that add the most value in 2020?

Okay, I'll play:
1) Amazon Prime
2) Costco
3) Netflix
4) Disney + (Pre-paid for 3 years at launch)
5) HULU (Thinking of letting this one go....)
6) AAA Membership
7) Shipt (This one has been great value allowing us to avoid big box grocery store during current times)
by AllMostThere
Sat Sep 12, 2020 9:10 am
Forum: Personal Consumer Issues
Topic: Repair plasma television or get new TV?
Replies: 71
Views: 4446

Re: Repair plasma television or get new TV?

I totally get the love of Plasma. I have a Panasonic VIERA TC-P65ST50 65-Inch 1080p 600Hz Full HD 3D Plasma TV that I purchased in 2012 for $1600. I love the picture and nothing better for watching sports. It does throw off some heat that you can actually feel when near it, so not the most energy ef...
by AllMostThere
Fri Sep 04, 2020 6:20 am
Forum: Personal Consumer Issues
Topic: How to effectively complain to UPS?
Replies: 20
Views: 1748

Re: How to effectively complain to UPS?

OP, were these packages shipped via the slowest possible method of UPS-Mail Innovations where they ultimately get transferred to USPS for final delivery? I have had several packages recently transferred to USPS when they hit my local UPS hub. I have found that once the package is transferred to USPS...
by AllMostThere
Fri Sep 04, 2020 5:04 am
Forum: Personal Investments
Topic: Employer plan at Ed Jones
Replies: 70
Views: 6638

Re: Employer plan at Ed Jones

OMG! For the past 20 months, this EJ Rep has been feeding the OP a load of Fear Uncertainty and Doubt (FUD) by injecting a perception of complexity. The EJ Rep is NOT looking out for the OP's best interests with all this FUD. OP, this why you need to cut the EJ Rep from the communication loop, liste...
by AllMostThere
Mon Aug 24, 2020 8:04 am
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 89
Views: 8260

Re: Subaru: Crosstrek or Outback?

^^ Less about how they drive and first impressions w/ fit, and more about getting others' experiences and learnings. Much obliged. I didn't any additional updates on what vehicle you selected. I'm going thru the same process as you with 2021 Crosstrek w/ 2.5L Engine vs Outback for my wife. What veh...
by AllMostThere
Sat Aug 08, 2020 7:48 pm
Forum: Personal Consumer Issues
Topic: New refrigerator
Replies: 36
Views: 2629

Re: New refrigerator

I respectfully disagree with several posters saying that Bosch is good appliance product. I could NOT disagree more. For a kitchen remodel, we purchased all Bosch appliances 7 years ago. In first 18 months the frig failed compressor, major coil coolant leak, and ice maker. Thank god, I purchased an ...
by AllMostThere
Fri Jul 17, 2020 4:59 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA question (It's FAFSA season again!)
Replies: 47
Views: 3024

Re: FAFSA question (It's FAFSA season again!)

Your daughter has already enrolled and (presumably) sent in a deposit, and you are asking if you should now try to negotiate a lower tuition? What leverage do you have? Maybe a little more backstory is necessary. Being in Sales for past 20 years I always disliked the term "leverage" over one of the...
by AllMostThere
Thu Jul 16, 2020 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA question (It's FAFSA season again!)
Replies: 47
Views: 3024

Re: FAFSA question (It's FAFSA season again!)

Interesting thread. Especially being that DD will be starting her Freshman year at a state college next month. I too believe that FAFSA was a total waste of time as she received zero aid. DW & I make too much money and we have large assets (i know rough position to be in :mrgreen: ) We basically get...
by AllMostThere
Sun May 10, 2020 10:47 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 57600

Re: How to get Toilet Paper ? seriously.

Availability of TP has been a serious issue here is SE Michigan. Me and DW are doing some serious isolation as we both are considered at risk, so not making shopping trips to any store. We have signed up for a grocery delivery service and have had our groceries delivered for last 6-7 weeks (working ...
by AllMostThere
Sat Feb 29, 2020 7:55 am
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 519
Views: 47906

Re: The Calm Post - Stay the course thread.

Over the years Bogelheads have given me the strength to "stay-the-course". I have a good 60/40 allocation, so the pain has not been tremendous. Rather than panic, I actually conducted a re-balance action yesterday in my 401K. Buying equities on-sale felt good. :beer
by AllMostThere
Sat Feb 08, 2020 8:26 pm
Forum: Personal Consumer Issues
Topic: What do you/did you spend your bonus on?
Replies: 103
Views: 8130

Re: What do you/did you spend your bonus on?

Nice annual bonus that averages ~ 20% of salary. I have consistently used the following process: 1) 50% in 401K. Always max out on annual basis. 2) 25% towards house payment. House is now paid off. 3) 25% split equally into my DD & DS 529. Both have fully funded accounts, with DD starting college th...
by AllMostThere
Sun Feb 02, 2020 2:04 pm
Forum: Personal Consumer Issues
Topic: Family Summer Vacation Idea
Replies: 22
Views: 1353

Re: Family Summer Vacation Idea

Traverse City, Michigan! Stay on the beaches on the West or East Bay's. My family prefers the East Bay with great access to Michigan State Park and the Tart Trail. Kids that age will love the day long beach play. Close to Sleeping Bear Dunes, several Light Houses and many wineries for the adults. :b...
by AllMostThere
Thu Jan 23, 2020 12:01 pm
Forum: Personal Investments
Topic: back door, mega back door opportunity and situation what to do...
Replies: 8
Views: 940

Re: back door, mega back door opportunity and situation what to do...

Another option for you tIRA balance. Can your 401K accept incoming rollover of your tIRA? If so, roll it over to your 401K to drive balance to zero for your Backdoor process.
by AllMostThere
Sat Jan 18, 2020 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: I Bought Myself Quicken - Now What?
Replies: 40
Views: 3620

Re: I Bought Myself Quicken - Now What?

35 posts and no one has mentioned Lifetime Planner, I think this is under utilized but a great retirement planning tool. Retired almost 15 years now and I will go and change different assumptions to make sure I am on tract to bounce that last check. This!!!!! IMO. The Lifetime Planner and Tax Plann...
by AllMostThere
Tue Jan 14, 2020 9:03 pm
Forum: Personal Investments
Topic: Checking In After Eight Years
Replies: 13
Views: 3594

Re: Checking In After Eight Years

If the "thinking about getting married" issue ever pops up you might want to post again and let us know. :D Interesting comment, it is certainly a possibility. If you have any thoughts on the matter please let me know! :happy Many on the forum have stated that their best/most important decision was...
by AllMostThere
Sun Jan 12, 2020 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: I Bought Myself Quicken - Now What?
Replies: 40
Views: 3620

I Bought Myself Quicken - Now What?

Okay, for some time I've read a multitude of posts where fellow BH's use and approve of Quicken. The day after Christmas, Amazon was having a sale where Quicken was Bundled with a copy of TurboTax. I thought this was a good opportunity to tryout the software that ultimately cost ~ $18.50 after disco...
by AllMostThere
Sat Jan 11, 2020 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Using Costco CASH Cards at Automotive section
Replies: 31
Views: 2366

Re: Using Costco CASH Cards at Automotive section

OP is not returning merchandise, just considering cancelling membership after purchase. So far as batteries, I've been buying Advance Auto Parts batteries for some time. The store staff comes out and installs the battery that I have bought online (with a nice discount), and DW and I are on our way ...
by AllMostThere
Sat Jan 11, 2020 9:35 am
Forum: Personal Finance (Not Investing)
Topic: College student, hourly worker, eligible to participate in 403(b) plan
Replies: 5
Views: 267

Re: College student, hourly worker, eligible to participate in 403(b) plan

I wouldn't jump for joy just yet. Can you give some details on the funds, fees and ER's? Many 403(b)'s are notoriously high fee and aren't the best. It may be better to have the student invest in ROTH IRA. Student is in the lowest or maybe 0% tax bracket, so ROTH is a good fit. Of, course that may c...
by AllMostThere
Mon Jan 06, 2020 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth at Fidelity question
Replies: 16
Views: 1833

Re: Backdoor Roth at Fidelity question

Yeah, I also had the same Fidelity experience of some backdoor delay. Not an instantaneous process to fund tIRA and transfer to ROTH IRA. Should expect at least one week from initiation to having funds available for investment in the ROTH. I started on Jan 1st (Holiday) and finally have my order in ...
by AllMostThere
Sun Jan 05, 2020 7:54 am
Forum: Personal Consumer Issues
Topic: Help me locate the wired doorbell chime
Replies: 32
Views: 2284

Re: Help me locate the wired doorbell chime

As pictured, this is most likely NOT the DB Chime as it's too small. The DB Chime is usually located in a central location to enable homeowner to hear it throughout the house. Chime would either be hidden in wall and covered by a decorative grill or mounted externally to wall and covered by a decora...
by AllMostThere
Sat Jan 04, 2020 1:40 pm
Forum: Personal Investments
Topic: Roth IRA - so who hit 'enter' at 12:01AM this morning?
Replies: 113
Views: 11016

Re: Roth IRA - so who hit 'enter' at 12:01AM this morning?

Not 12:01 AM this morning. More like 7 PM this evening. Initiated $7K each into my & DW's tIRA's, which is step one towards our backdoor ROTH contributions for 2020. :beer Also, opened myself a Fidelity HSA and initiated $1K HSA 2020 contribution catch-up for myself as I turn 55 this year. :beer :b...
by AllMostThere
Wed Jan 01, 2020 7:27 pm
Forum: Personal Investments
Topic: Roth IRA - so who hit 'enter' at 12:01AM this morning?
Replies: 113
Views: 11016

Re: Roth IRA - so who hit 'enter' at 12:01AM this morning?

Not 12:01 AM this morning. More like 7 PM this evening. Initiated $7K each into my & DW's tIRA's, which is step one towards our backdoor ROTH contributions for 2020. :beer Also, opened myself a Fidelity HSA and initiated $1K HSA 2020 contribution catch-up for myself as I turn 55 this year. :beer :be...
by AllMostThere
Thu Dec 26, 2019 9:34 pm
Forum: Personal Investments
Topic: Stay with Fidelity Bond Funds or use Vanguard BND?
Replies: 15
Views: 2080

Re: Stay with Fidelity Bond Funds or use Vanguard BND?

I must admit that the perceived view of Vanguard is always best is not always true. Overwhelming feedback is that my current Fidelity Bond funds are great, so no real benefit by switching to BND EFT. No need for the added complexity, so looks like I'll stay the course for now. As always, thanks for ...
by AllMostThere
Thu Dec 26, 2019 8:34 am
Forum: Personal Consumer Issues
Topic: Sleep Masks & Ear Plugs
Replies: 35
Views: 2414

Re: Sleep Masks & Ear Plugs

You may also want to investigate a white noise generator. DW & I have been using the machine below since 2011! We live <150 ft from rail road tracks and the large speaker with deep base of this machine is awesome as it can mask multiple train passes per night without issue. It has multiple sounds, s...
by AllMostThere
Sat Dec 21, 2019 5:24 pm
Forum: Personal Investments
Topic: Should I change 529 glide path?
Replies: 1
Views: 313

Re: Should I change 529 glide path?

You are out to a great start with college savings, congratulations. You did not mention your retirement savings status, so my response assumes you are fully funding your retirement. You have had a nice run up since 2012 with the 100% equity allocation, so nothing wrong with a little tweaking. I woul...
by AllMostThere
Sat Dec 21, 2019 8:14 am
Forum: Personal Investments
Topic: Stay with Fidelity Bond Funds or use Vanguard BND?
Replies: 15
Views: 2080

Stay with Fidelity Bond Funds or use Vanguard BND?

Now that Vanguard Total Bond ( BND ) can be purchased now via Fidelity fee free EFT's, does is make sense for me to purchase? DW and I are invested in Fidelity (401k & Roth IRA) with a 60/40 AA. We are VERY close to declaring "a win of the game" and we have been very happy with this AA, so not looki...
by AllMostThere
Thu Dec 19, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best 2% cash back credit card w/ no annual fee, now that Citi has stripped the Double Cash of key benefits?
Replies: 83
Views: 12034

Re: What is the best 2% cash back credit card w/ no annual fee, now that Citi has stripped the Double Cash of key benefi

I rotate around 4 CC's. In order of preference: 1) Fidelity Visa 2% cashback for most everyday spending - the 2% goes into my DD's Fidelty 529 which has grown over past 15 years to ~ 2 years worth of college tuition starting next fall. :moneybag 2) Costco Visa for 4% Gas, 3% Travel, 3% Dining cashba...
by AllMostThere
Sun Dec 15, 2019 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Withdrawal. Last 5 months of college
Replies: 14
Views: 1610

Re: 529 Withdrawal. Last 5 months of college

This is a great question around the reporting intricacies with a 529. I will be monitoring the feedback as my DD will be starting college next fall and will also need to navigate this winding maze of requirements. As I write this response, it occurs to me to question; What did you do for the 3-4 mon...
by AllMostThere
Sat Dec 14, 2019 9:00 am
Forum: Personal Consumer Issues
Topic: What are you giving (or asking) for Christmas?
Replies: 77
Views: 5529

Re: What are you giving (or asking) for Christmas?

"Baby it's cold outside" here in Michigan. For second winter now, I have to witness my HS DD and MS DS argue every morning on DS going out to start her car and warm it up. Yes, that's his job and small ask of him given she drops him off and picks him up everyday from school. This morning ritual is g...
by AllMostThere
Fri Nov 29, 2019 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 38064

Re: Turbotax 2019 on Amazon

For past several years I have been purchasing Deluxe + State on CD from Costco. IIRC was paying ~ $49. Currently, I can purchase same today from Amazon for same price + $10 Amazon GC (or $39 + $10 GC w/o State). Based upon several posters here, I think I will wait out Amazon to drop price down to $3...
by AllMostThere
Thu Nov 21, 2019 7:01 am
Forum: Personal Investments
Topic: Fees for in-service withdrawals? (Fido Mega backdoor)
Replies: 10
Views: 643

Re: Fees for in-service withdrawals? (Fido Mega backdoor)

Yes, both DW and myself have Fidelity 401K. Both charge the fee for "in-service" withdrawal. We just set a $$ amount target of >$5K when we do the move to ROTH IRA. Just a cost of doing business, but still worth it considering the benefit of over-funding the ROTH. :sharebeer
by AllMostThere
Thu Nov 21, 2019 6:00 am
Forum: Personal Investments
Topic: Do you keep deposting money into IRA while "market crashes"?
Replies: 44
Views: 4556

Re: Do you keep deposting money into IRA while "market crashes"?

Yes, best time to buy is when the market is on-sale! Another forum member mentions Warren Buffett, so I couldn't resist my two favorite quotes from him about buying in down markets. "Opportunities come infrequently. When it rains gold, put out the bucket, not the thimble." "The best chance to deploy...
by AllMostThere
Tue Nov 19, 2019 5:41 am
Forum: Personal Consumer Issues
Topic: Any experience with Hyatt Legal Plans?
Replies: 25
Views: 13790

Re: Any experience with Hyatt Legal Plans?

My employer just started offering this service. Five years later after this original post, I'm curious if forum members have any additional good or bad experience with this service. Worth it for those that need Deed prep, Will's, POA, and other Estate documents prepared?
by AllMostThere
Sat Nov 09, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: Hard Wired smoke alarms. Recommendations.
Replies: 49
Views: 3705

Re: Hard Wired smoke alarms. Recommendations.

I purchased the Kidde product from Amazon. In bedrooms I used "Kidde i4618 Firex Hardwire Ionization Smoke Detector with Battery Backup" and in the main hallway I used "Kidde KN-COSM-IBA Hardwire Combination Carbon Monoxide and Smoke Alarm with Battery Backup and Voice Warning". These were different...
by AllMostThere
Tue Nov 05, 2019 7:26 am
Forum: Personal Consumer Issues
Topic: New Bosch dishwasher already faulted
Replies: 22
Views: 2740

Re: New Bosch dishwasher already faulted

I totally feel your pain. This type of failure is not acceptable and should not be tolerated. I would investigate return to place of purchase, if possible. You will be kicking yourself in the future when more issues pop up. Bosch is not a quality product as most would think. Several years ago we add...
by AllMostThere
Sat Sep 28, 2019 1:38 pm
Forum: Personal Investments
Topic: Mega Backdoor Roth...
Replies: 1
Views: 353

Re: Mega Backdoor Roth...

Looks like someone just had a light bulb moment with the mega backdoor process using the BH guidance. I too, have found the Backdoor and Mega Backdoor Roth processes to be the MOST useful of all the wisdom I have found on this forum. Greatly appreciated combined with the best pricing model - FREE! :...
by AllMostThere
Sun Sep 15, 2019 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Mother's Pension Plan is Being Terminated - Help with Options Needed
Replies: 33
Views: 3555

Re: Mother's Pension Plan is Being Terminated - Help with Options Needed

Hello fellow Bogleheads. OP here with quick update. After reading all the options presented and reviewing with my Mother, she has elected to take the lump sum. Paperwork was submitted, so check will be expected mid-October. Upon receipt, we will hand-deliver the check (titled to Fidelity FBO Mom) al...
by AllMostThere
Fri Sep 13, 2019 5:22 am
Forum: Personal Consumer Issues
Topic: 2019 Costco HVAC services: Good deal/issues?
Replies: 20
Views: 10082

Re: 2019 Costco HVAC services: Good deal/issues?

I got a quote from a local Lennox HVAC Costco Supplier ~ 3 years ago. They were the most expensive of all quotes (including Costco rebates) and unwilling to negotiate any on the price. They seemed to have the opinion that they had a "lock" on the business due to their Costco affiliation. Wrong! I we...
by AllMostThere
Thu Sep 12, 2019 4:12 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 10217

Re: Electric Bicycles

They only sell online, like Rad, and take Amazon pay, so if you have 5-10% cashback through an Amazon or Discover card it can save even more Do you have prior experience with receiving the 5% back using Pay with Amazon? You got me all excited to save additional 5% with Amazon Pay linked to my Amazo...
by AllMostThere
Mon Sep 09, 2019 7:44 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 10217

Re: Electric Bicycles

Rather than start a new thread, I thought I would just bump this prior e-Bike thread. It's been nearly two years since last post, so was curious if forum members have any additional recommendations and/or thoughts on e-Bikes? DW and I have been thinking about getting new bikes and we are seriously c...
by AllMostThere
Thu Aug 29, 2019 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Mother's Pension Plan is Being Terminated - Help with Options Needed
Replies: 33
Views: 3555

Re: Mother's Pension Plan is Being Terminated - Help with Options Needed

This seems to be the way of the world now. I had a former employer notify me over the summer of a similar thing. I can take a lump sum payout, roll over to an employer plan. etc. Being only 46, Im looking at rolling it to my 401(k) if possible. If I were older and retired, Id probably go the IRA ro...
by AllMostThere
Thu Aug 29, 2019 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Mother's Pension Plan is Being Terminated - Help with Options Needed
Replies: 33
Views: 3555

Re: Mother's Pension Plan is Being Terminated - Help with Options Needed

This will come across as a bit callous, but in thinking about these situations, I tend to take the lump sum offered ($47,575) and divide it by the monthly amount of the annuity offered ($554). Assuming no gain in the lump sum relative to inflation, that lump sum of $47,575, would yield 85.87 months...
by AllMostThere
Wed Aug 28, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Mother's Pension Plan is Being Terminated - Help with Options Needed
Replies: 33
Views: 3555

Re: Mother's Pension Plan is Being Terminated - Help with Options Needed

At her age, with fragile health, and RMDs not being spent, I agree that a rollover to a TIRA is a good idea as opposed to the annuity). She could use the same account. Although, it might make sense to pay the taxes to due a Roth conversion — with an eye toward inheritance — depending on her tax rat...
by AllMostThere
Wed Aug 28, 2019 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Mother's Pension Plan is Being Terminated - Help with Options Needed
Replies: 33
Views: 3555

Re: Mother's Pension Plan is Being Terminated - Help with Options Needed

cheese_breath wrote: Wed Aug 28, 2019 7:04 pm How much less? Maybe $46 less?
Cheese Breath. My Mother had stated her payment has been < $600/mo, but after review of the documentation, it appears that there will NOT be any change in her monthly benefit. I made the change to my original post. Thanks.
by AllMostThere
Wed Aug 28, 2019 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Mother's Pension Plan is Being Terminated - Help with Options Needed
Replies: 33
Views: 3555

Mother's Pension Plan is Being Terminated - Help with Options Needed

Hi Bogleheads community. My 81 year old mother (82 in Nov) just received notification that her former employers pension plan is being terminated effective Oct 2, 2019. She has been drawing on this same pension ~ $554/mo for the past twenty years and still lives on her own with me or my sister within...
by AllMostThere
Sat Jul 27, 2019 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Experience with Costco Citi Visa?
Replies: 34
Views: 4943

Re: Experience with Costco Citi Visa?

It's been good, except we had a problem redeeming the rewards certificate this year. My wife took it into the store, and Costco tried to put it through on the computer. But it was in some kind of error state, so they called Citi to ask them to release it. But Citi thought the problem was on Costco'...
by AllMostThere
Sun Jul 21, 2019 6:53 am
Forum: Personal Investments
Topic: Etrade denies promotion on $1 mil new account
Replies: 65
Views: 8025

Re: Etrade denies promotion on $1 mil new account

I am of same thoughts as OP. "Never, Never, not Ever" click on link embedded in an email. Being this was an investment account, makes it even more important. Perhaps, give E*Trade one last chance to make things right, via promotion fulfillment. Try talking to someone in Sr. Leadership role. If no su...