Search found 108 matches

by AllMostThere
Fri Nov 29, 2019 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 213
Views: 19253

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: 547

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: 4167

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: 12362

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: 34
Views: 1936

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: 2363

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: 304

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: 3487

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: 2470

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: 9410

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: 9410

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: 3487

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: 3487

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: 3487

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: 3487

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: 3487

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: 4572

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: 7785

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...
by AllMostThere
Sun Jul 21, 2019 6:02 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4154
Views: 802816

Re: What's Your Credit Card Rewards Strategy?

Heads up... Citi is ending Price Rewind on Sept 22nd. That used to be one key benefit of the Citi Doublecash over the Fidelity Visa https://www.doctorofcredit.com/citi-to-end-price-rewind-program-on-september-22nd-2019/ It's not just the Price Rewind feature. Citi is also ending their Trip Cancella...
by AllMostThere
Tue Jun 04, 2019 5:36 am
Forum: Personal Consumer Issues
Topic: New refrigerator noise is driving us nuts
Replies: 32
Views: 2703

Re: New refrigerator noise is driving us nuts

We refurbished with an LG fridge and range. Both are junk. Wife and I are now avoiding LG products. I would voice the same for Bosch Frig and Mirco. Both have had numerous failures in first 3 years of ownership. Luckily, I purchased and extend warranty for Frig, so $2.5K in repairs were covered (No...
by AllMostThere
Tue May 07, 2019 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with variable bonus?
Replies: 24
Views: 1953

Re: What do you do with variable bonus?

My annual bonus varies, but has averaged ~ 20% for past ten years. I have done exactly the same thing with this bonus in these steps: 1) temp increase in my 401K contributions for ~ 1/3rd of total. 2) 1/3rd towards mortgage. 3) 1/3rd split equally between DD & DS 529 accounts. This strategy has work...
by AllMostThere
Thu Mar 21, 2019 4:51 am
Forum: Personal Consumer Issues
Topic: OBD GPS tracker for new teen driver
Replies: 20
Views: 1458

Re: OBD GPS tracker for new teen driver

For my DD's car, we use the Automatic PRO AUT-350 purchased from Amazon in Feb 2018 for ~ $110. Looks like Amazon is not selling direct anymore, so may need to perform some Google activity or purchase directly from Manufacturer. I also purchased an ODBII extension cable to mount the unit directly up...
by AllMostThere
Wed Mar 20, 2019 5:21 am
Forum: Personal Investments
Topic: My fee's are too [darn] high!
Replies: 31
Views: 4203

Re: My fee's are too [darn] high!

Wow! +30 holdings in a taxable account. Perfect example of a "FA" providing "value" via over-complication of an asset allocation. Nothing like a false sense of complexity to justify the 1.35% AUM. Again, Wow! Run, run fast and far.
by AllMostThere
Sat Mar 09, 2019 8:12 pm
Forum: Personal Consumer Issues
Topic: Garbage Disposal: So many choices out there. How do you decide which one?
Replies: 54
Views: 4237

Re: Garbage Disposal: So many choices out there. How do you decide which one?

A few years ago the disposal (brand new) by the builder died in a couple of years. At the time I did some research and concluded this one was the way to go. It's 1 HP and it was day and night performance from the original 1/2 HP disposal. Waste King Legend 8000 (garbage disposer) Model# 1E3-14889-5...
by AllMostThere
Thu Mar 07, 2019 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Best deals on monthly/recurring cost items - what your best deal?
Replies: 13
Views: 1878

Re: Best deals on monthly/recurring cost items - what your best deal?

Hulu w/Ads Streaming - $0.99 / mo Black Friday deal. Went thru popular cash back link and got $10 back. Total 12 month cost is $2! :sharebeer We too got the Black Friday deal - which I felt good about - but here again - we paid the full rate Black Friday rate of $12/year - can you explain how you g...
by AllMostThere
Wed Mar 06, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Best deals on monthly/recurring cost items - what your best deal?
Replies: 13
Views: 1878

Re: Best deals on monthly/recurring cost items - what your best deal?

Hulu w/Ads Streaming - $0.99 / mo Black Friday deal. Went thru popular cash back link and got $10 back. Total 12 month cost is $2! :sharebeer
I have actually been pretty pleased with the service by watching it much more than I thought. Noooooo! :oops:
by AllMostThere
Wed Feb 27, 2019 7:28 pm
Forum: Investing - Theory, News & General
Topic: Mega Backdoor Roth Mechanics Question
Replies: 17
Views: 1271

Re: Mega Backdoor Roth Mechanics Question

Pro-rata shouldn't apply unless you are also doing Backdoor Roth contribution. If this is the case, then just roll the tIRA full balance back into your 401K. :beer
by AllMostThere
Mon Feb 11, 2019 8:17 am
Forum: Personal Investments
Topic: Portfolio Checkup + MegaBackdoor Roth?
Replies: 5
Views: 649

Re: Portfolio Checkup + MegaBackdoor Roth?

MegaBackDoor is a great savings tool. Just make sure you investigate if your 401K provider charges a fee to process the request. Fees will limit your frequency of "in-service" distributions. DW & me each get tagged for $20 fee, so we only make the request when we hit a $$ dollar threshold. Again, gr...
by AllMostThere
Sun Feb 10, 2019 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-R and Mega Backdoor Issue using TurboTax
Replies: 3
Views: 510

Re: 1099-R and Mega Backdoor Issue using TurboTax

Try splitting the 1099-R into two. One for the earnings rolled over to traditional, with the earnings in box 1 and no basis in box 5. The second for the after-tax amount in box 1 and box 5. Answer the questions separately for each 1099-R. Thanks tfb. Your post makes sense and got me pointed in righ...
by AllMostThere
Sun Feb 10, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-R and Mega Backdoor Issue using TurboTax
Replies: 3
Views: 510

1099-R and Mega Backdoor Issue using TurboTax

As done in prior years, I initiated an "in-service" distribution of my aftertax contributions from my 401K. The aftertax contributions went to my Roth IRA, and the growth of $398 went to my tIRA. Also, similar to prior years, the 1099-R shows in Box 1 - Gross Amt (AT + Growth), Box 2a - $0, Box 5 - ...
by AllMostThere
Sun Feb 10, 2019 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Stolen Credit Card Number
Replies: 19
Views: 1755

Re: Stolen Credit Card Number

I'm more than a bit confused here. People are talking about using virtual numbers. The OP has a Costco Citi Visa card, as do I. As far as I can tell, virtual numbers are not available for Costco Visa. I use virtual numbers with my CapitalOne card. I really wish all credit card companies had that fe...
by AllMostThere
Mon Jan 28, 2019 6:14 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4855
Views: 1260789

Re: Movie Polar on Netflix

Was Polar Oscar worthy? No, but it was entertaining. It is down of the road of John Wick type genre with lots action and violence. While I wouldn't pay for this type of movie at a theater I will watch and enjoy in the privacy of my own home on Netflix. I will give it a thumbs up! Remember it is what...
by AllMostThere
Tue Jan 22, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 398
Views: 64559

Re: Fidelity free Turbotax

Having not seen the link for Free TurboTax (only discount links) on my login landing screen, I finally messaged my assigned Fidelity Financial Consultant. Below is his response: "Thanks for your inquiry into Turbo Tax. Fidelity has updated the qualifications to receive the free version of Turbo Tax ...
by AllMostThere
Mon Jan 21, 2019 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Questions about Fidelity
Replies: 21
Views: 1908

Re: Questions about Fidelity

Op, as others have stated - You should not be using the debit card for transactions. The consumer protections are a fraction of those provided with a regular CC. While probable that Fidelity would eventually make you whole, if this debit card was ever compromised with fraud activity, it could take w...
by AllMostThere
Wed Jan 16, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 19197

Re: Are You Dumping Netflix?

They spent something like $13B in content last year and plan to spend more this year. The money has to come from somewhere. Last I looked they still had a negative cash flow (so its not like they are ripping off the folks who think this increase is outrageous). As investors in NetFlix (which all Bo...
by AllMostThere
Sun Jan 06, 2019 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 271
Views: 24949

Re: $40,000 in debt, bankruptcy seems to be the best option right now

You have an income and/or spending and potentially communication problem. Communication: "Wife's bills = $365" of which you clarified $70 is cell phone is a problem. If both of you are living on your income, and both of you are counting on your wife to care for the kids during the day, all the inco...
by AllMostThere
Mon Dec 31, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 398
Views: 64559

Re: Fidelity free Turbotax

I am still waiting for the link. For last two years, I had the free Turbo Tax in my account. So far no sign of it. I guess I will wait another week. I do not do any trading and do have both personal and employee accounts at Fidelity. Is Fidelity still doing this in batches? Anybody else still waiti...
by AllMostThere
Wed Dec 26, 2018 5:57 pm
Forum: Personal Investments
Topic: 401K Contribution Amount
Replies: 24
Views: 1470

Re: 401K Contribution Amount

Keep trying. I convinced my company to adopt a low cost plan with mega backdoor Roth provisions, or at least I like to think it was me. Maybe it's a coincidence that they did everything I asked for. Of course, some employees still think it's terrible because the market dropped. While trapped in a h...
by AllMostThere
Wed Dec 26, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to report my child's income ($1600)?
Replies: 31
Views: 3084

Re: Do I need to report my child's income ($1600)?

Have you funded a ROTH IRA for him yet? Now that he has income, you can contribute FOR him. No better way to pass a legacy than kick-start for the future. :moneybag :beer
by AllMostThere
Sat Dec 01, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Finance only laptop? Can I use an old one?
Replies: 39
Views: 3859

Re: Finance only laptop? Can I use an old one?

Interesting perspectives on the WIFI snooping. That's the first I have heard of this potential vulnerability. Any links that give additional insight? Luckily, my little Mini 9 has Ethernet port, so i can use both. :happy
by AllMostThere
Sat Dec 01, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: Finance only laptop? Can I use an old one?
Replies: 39
Views: 3859

Re: Finance only laptop? Can I use an old one?

Rather than start new thread, I resurrected this 6 month old post. Recently I have been listening to Clark Howard Podcasts, and ole' Clark is a huge proponent of a "Financial Chromebook" (FC). With used Chromebooks ~ $80 and new ones can be had for $99 during Christmas season I've been seriously thi...
by AllMostThere
Mon Nov 19, 2018 6:54 am
Forum: Personal Investments
Topic: Backdoor Roth rolling Trad IRA to 401K To Unblock
Replies: 4
Views: 404

Re: Backdoor Roth rolling Trad IRA to 401K To Unblock

Yes, most definitely. Assuming it's allowed, roll all your tIRA's back into you 401k. With $0 tIRA balance you will be strategically set up for BOTH Backdoor Roth IRA and Mega Backdoor Roth IRA (again, assuming your 401k allows in-service withdrawals). If pursuing this route, be sure to inform you t...
by AllMostThere
Tue Nov 13, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Would you invest CC cashback into market??
Replies: 32
Views: 1720

Re: Would you invest CC cashback into market??

DW & I do it every month with our Fidelity 2% cashback cards. Both go directly into my DD's Fidelity 529. +$30k growth over past 15 years.
:moneybag :sharebeer
by AllMostThere
Fri Nov 02, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: HSA & LP-FSA & DC-FSA?
Replies: 2
Views: 266

Re: HSA & LP-FSA & DC-FSA?

Yes, you can. Been using those three for several years now. The Limited Purpose FSA has been great for both my DD & DS who have Orthodontia. I just have the Orthodontist project the future year costs and we then make the benefit election in November. Pay full amount in January and get reimbursed sam...
by AllMostThere
Wed Oct 31, 2018 5:57 am
Forum: Personal Finance (Not Investing)
Topic: Which Account for RMD?
Replies: 5
Views: 619

Re: Which Account for RMD?

Agree, use your RMD to rebalance.
by AllMostThere
Wed Oct 31, 2018 5:53 am
Forum: Personal Investments
Topic: Backdoor Roth - did I mess this up?
Replies: 17
Views: 978

Re: Backdoor Roth - did I mess this up?

Key is to have zero tIRA balance by end of CY2018. If left in current state with no additional actions, they YES , this is screwed up and you will owe taxes on prorata amounts. There is still time to correct. Assuming you have a 401k with current employer, see if you can roll the tIRA into your curr...
by AllMostThere
Sun Oct 21, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 32
Views: 2944

Re: Do I need laptop software?

Look at LibreOffice. It's a totally free suite of office products that IMO mirror MS Office with same functionality. I've been using it of years without issue. Go to https://www.libreoffice.org/
by AllMostThere
Wed Oct 17, 2018 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor Roth Mechanics
Replies: 43
Views: 6084

Re: Mega Backdoor Roth Mechanics

Although it isn't intuitively obvious, Fidelity maintains a separate "account" in your 401k for just the after-tax contributions. For example, suppose you have $100K in your 401k which is made up of pretax contributions and their earnings. You recently started after-tax contributions and let them b...
by AllMostThere
Fri Oct 12, 2018 1:32 pm
Forum: Personal Investments
Topic: Help with 401K Allocation
Replies: 6
Views: 361

Re: Help with 401K Allocation

I echo chevca's advice. These 4 funds all have excellent ER's and fit the bill for three fund portfolio. 60/40 split is very reasonable.