Search found 258 matches

by blastoff
Sat Sep 14, 2019 7:46 am
Forum: Personal Consumer Issues
Topic: Phones with longest battery life?
Replies: 18
Views: 1418

Re: Phones with longest battery life?

I've got an older LG Xcharge. Battery life obviously depends on usage; I get about 4 days of *my* typical use with mine. Looks like Motorola G7 Power might be current best battery life, but that's achieved with lower res screen. G7 power if you like the phone and don't want high end. There are also...
by blastoff
Sat Sep 14, 2019 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Accountant Salary Growth
Replies: 32
Views: 3526

Re: Accountant Salary Growth

This is starting post-undergrad?
by blastoff
Thu Sep 05, 2019 5:54 pm
Forum: Personal Investments
Topic: Making Case to Employer for Mega Backdoor Roth
Replies: 20
Views: 1134

Re: Making Case to Employer for Mega Backdoor Roth

How does one figure out if their plan is a safe harbor plan? It should be clearly stated in any plan documents or communications. A safe harbor plan will not have any ADP testing of deferrals, ACP testing of employer contributions and employer contributions must be 100% immediately vested. If HCE d...
by blastoff
Thu Sep 05, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: First-hand experiences with United Basic Economy for families?
Replies: 180
Views: 7299

Re: First-hand experiences with United Basic Economy for families?

Not united, but topical. Wanted to chime in and say two things: 1) I have flown delta in their basic economy as a solo traveler 5-10 legs. Without fail, always back of the plane in obviously the least desirable seats. 2) I have flown american for a couple legs with another person in basic economy. E...
by blastoff
Thu Sep 05, 2019 4:22 pm
Forum: Personal Investments
Topic: Making Case to Employer for Mega Backdoor Roth
Replies: 20
Views: 1134

Re: Making Case to Employer for Mega Backdoor Roth

Is the current 401k a safe harbor plan? Who manages the plan? What are the fees and the investment options. What is the size of the company? It's my understanding that it is safe harbor (in that employer matches are vested immediately). Fidelity manages the plan - and its my understanding that they...
by blastoff
Tue Aug 06, 2019 10:20 am
Forum: Investing - Theory, News & General
Topic: Mega backdoor Roth:. Anyone got their employer to change plan to allow it?
Replies: 22
Views: 2282

Re: Mega backdoor Roth:. Anyone got their employer to change plan to allow it?

Hi Again - Just to follow up. To try to get this request in motion for adding a mega-backdoor option a 403b would it be best to: a) contact HR of employer b) contact company that manages retirement account (TIAA) c) pursue both at same time? This probably isn't knowable, but just curious what you wo...
by blastoff
Fri Aug 02, 2019 3:59 pm
Forum: Personal Investments
Topic: Best place for cash: money market (fido) vs saving account
Replies: 13
Views: 1578

Re: Best place for cash: money market (fido) vs saving account

I hear that Fidelity has great customer service and also a great mutual fund screener, so I went to Fidelity.com and tried screening to find all their money market / cash reserves funds. I see that there are at least 14 Fidelity money market funds that had a 30-day yield on 7/31 of more than 2%. Do...
by blastoff
Fri Aug 02, 2019 3:32 pm
Forum: Personal Investments
Topic: Best place for cash: money market (fido) vs saving account
Replies: 13
Views: 1578

Re: Best place for cash: money market (fido) vs saving account

SPAXX (Fidelity Government Money Market) is currently yielding 1.95%. FZDXX (Fidelity Money Market Premium Class) is yielding 2.19%. Just fyi.... 8-) FZDXX has 100k minimum. Apparently can move in 100k at beginning, and then reduce shortly thereafter to <100k and still be able to keep it (and still...
by blastoff
Fri Aug 02, 2019 10:30 am
Forum: Personal Investments
Topic: Best place for cash: money market (fido) vs saving account
Replies: 13
Views: 1578

Re: Best place for cash: money market (fido) vs saving account

I do have a CMA.

For some reason, FTEXX became default at one point and have most of money market funds in there.

If SPAXX is best, that may already be the Core/sweep position and I can just move all from FTEXX to SPAXX.
by blastoff
Fri Aug 02, 2019 9:09 am
Forum: Personal Investments
Topic: Best place for cash: money market (fido) vs saving account
Replies: 13
Views: 1578

Best place for cash: money market (fido) vs saving account

Hi - I live in Philadlephia, PA. So, school income tax (~4%) on non-savings account or PA/Federal based debt: https://www.phila.gov/services/payments-assistance-taxes/income-taxes/school-income-tax/ 22-24% Federal tax bracket. Likely bottom of 24% for next 5years. I have taxable accounts at Fidelity...
by blastoff
Wed Jul 10, 2019 6:30 pm
Forum: Investing - Theory, News & General
Topic: Mega backdoor Roth:. Anyone got their employer to change plan to allow it?
Replies: 22
Views: 2282

Re: Mega backdoor Roth:. Anyone got their employer to change plan to allow it?

Thanks to all that have replied. Interesting to hear the different experiences! I have never had access to mega backdoor Roth. But I am aware of it and loosely know the mechanics of it, but not in great detail. If I wanted to get a mega backdoor Roth option in the plan, what specifically needs to be...
by blastoff
Mon Jul 08, 2019 1:09 pm
Forum: Investing - Theory, News & General
Topic: Mega backdoor Roth:. Anyone got their employer to change plan to allow it?
Replies: 22
Views: 2282

Re: Mega backdoor Roth:. Anyone got their employer to change plan to allow it?

My employer is thankfully one that offers it so I haven't had to ask. That said I seem to recall somebody posting in a relatively recent (last few months) mega-backdoor thread that they had been successful. Maybe they will post here or perhaps search recent threads on this to see if you can find th...
by blastoff
Mon Jul 08, 2019 1:04 pm
Forum: Investing - Theory, News & General
Topic: Mega backdoor Roth:. Anyone got their employer to change plan to allow it?
Replies: 22
Views: 2282

Re: Mega backdoor Roth:. Anyone got their employer to change plan to allow it?

Hi all. I would like to be able to do a mega-backdoor roth. My new employer doesn't offer in-service distributions, or after tax contributions for their 403b. Has anyone gotten their employer to modify the plan to allow a mega backdoor Roth? Is this even feasible? What are the key considerations an...
by blastoff
Mon Jul 08, 2019 7:48 am
Forum: Investing - Theory, News & General
Topic: Mega backdoor Roth:. Anyone got their employer to change plan to allow it?
Replies: 22
Views: 2282

Mega backdoor Roth:. Anyone got their employer to change plan to allow it?

Hi all. I would like to be able to do a mega-backdoor roth. My new employer doesn't offer in-service distributions, or after tax contributions for their 403b. Has anyone gotten their employer to modify the plan to allow a mega backdoor Roth? Is this even feasible? What are the key considerations and...
by blastoff
Fri Jul 05, 2019 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: 50-60k boat purchase??
Replies: 84
Views: 5988

Re: 50-60k boat purchase??

We live on the lake. We currently have a 20 year old ski boat that still gets the job done (tubing, skiing, etc).. Thinking of upgrading to a newer (not brand new) boat with less hours, better interior, few more creature comforts...to do essentially the same thing as the 20 year old boat. Looking a...
by blastoff
Tue Jul 02, 2019 6:58 am
Forum: Personal Consumer Issues
Topic: Frontier or Spirit Airlines
Replies: 63
Views: 5756

Re: Frontier or Spirit Airlines

Thanks for confirming my suspicions. Some people seem to like them, but when it goes wrong it gets really bad. Guess I will continue avoiding them. Thanks for posting, OP. I'm in the process of relocating to a city where the only airlines with daily direct flights between my new home and a city I'l...
by blastoff
Tue Jul 02, 2019 6:54 am
Forum: Personal Consumer Issues
Topic: Frontier or Spirit Airlines
Replies: 63
Views: 5756

Re: Frontier or Spirit Airlines

Seat pitch is below most other airlines as well, meaning you will feel the squeeze. This can't be emphasized enough. Think of the last time you flew on United or American (not in economy plus or main cabin extra). Felt pretty cramped, right? Now take away another 2-3 inches of leg room. That's Spir...
by blastoff
Mon Jul 01, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: Frontier or Spirit Airlines
Replies: 63
Views: 5756

Re: Frontier or Spirit Airlines

[Post removed by admin LadyGeek] This is the best way to put it. My biggest problem would be neighbors e who normally do not fly. I'd agree that having options in case of cancellations makes sense though. More than once, I had to fly a couple of hours in the wrong direction to catch a flight in the...
by blastoff
Sat May 25, 2019 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Will my checks work?
Replies: 26
Views: 1966

Re: Will my checks work?

My checks from 10+ years ago and 6 addresses ago still work.

My general experience in life is that when you try to give people money, they don't care about details like the address. When they have to give you money...
by blastoff
Mon May 20, 2019 10:39 pm
Forum: Personal Consumer Issues
Topic: Car repairs: what to do next time
Replies: 42
Views: 2787

Re: Car repairs: what to do next time

Don't "clean" the injectors (not necessary). I didn't see any repairs, just expensive (overcharged?) maintenance. Only the brakes were more costly item, especially if they really did replace the rotors and drums. OP, do you know how they cleaned the fuel injectors? My idle was getting a little irre...
by blastoff
Tue Apr 30, 2019 11:49 am
Forum: Investing - Theory, News & General
Topic: 457 rollover and general rollover considerations
Replies: 12
Views: 777

Re: 457 rollover and general rollover considerations

The 457b pre-tax accounts total ~40k. So, not a huge amount. My roth balances are larger (which I purposely done so for tax reasons - moving forward I will focus on pre-tax contributions). That depends on your lifestyle. $40k would cover most of my expenses for a year, even if taxed as ordinary inc...
by blastoff
Tue Apr 30, 2019 9:19 am
Forum: Investing - Theory, News & General
Topic: 457 rollover and general rollover considerations
Replies: 12
Views: 777

Re: 457 rollover and general rollover considerations

Maybe I misspoke.

I think my 457bs are governmental. Both from work at a state university.

In the event they are employer based, both of these universities are going to exist in 30 years.
by blastoff
Tue Apr 30, 2019 7:48 am
Forum: Investing - Theory, News & General
Topic: 457 rollover and general rollover considerations
Replies: 12
Views: 777

Re: 457 rollover and general rollover considerations

Both are governmental 457b. Agree that I should probably roll over the roth 403b to a roth IRA just for sake of simplicity. The 457b pre-tax accounts total ~40k. So, not a huge amount. My roth balances are larger (which I purposely done so for tax reasons - moving forward I will focus on pre-tax con...
by blastoff
Mon Apr 29, 2019 8:15 pm
Forum: Investing - Theory, News & General
Topic: 457 rollover and general rollover considerations
Replies: 12
Views: 777

457 rollover and general rollover considerations

Hi All. I am debating whether I should roll-over prior workplace retirement accounts. Considerations are 1) convenience of not having multiple accounts. 2) Losing any 457 benefit (I don't think I"ll use it). 3) Available investment choices at future employer and costs 4) Any other smart things you t...
by blastoff
Fri Apr 26, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: Minivan alternatives?
Replies: 48
Views: 3571

Re: Minivan alternatives?

Something like a Highlander or pilot?
by blastoff
Sat Apr 06, 2019 9:06 pm
Forum: Personal Investments
Topic: 401k plan value
Replies: 7
Views: 659

Re: 401k plan value

You could consider creating a simple spreadsheet to model the two scenarios. 1. Tax-deferred 401k contributions at 35% marginal, plus match 2. Invest the equivalent post-tax amount efficiently in taxable account Naturally, for #2 to come out ahead, her salary will need to increase with he new job. ...
by blastoff
Mon Mar 04, 2019 10:44 pm
Forum: Personal Consumer Issues
Topic: Advice on Grand Pianos?
Replies: 57
Views: 3424

Re: Advice on Grand Pianos?

A good upright is better than a cheap grand. It will be difficult to impossible to get a good grand or baby grand for under $10k. An under $10k grand could require significant restoration and if you decided to get rid of it would require someone naive to purchase if it hasn’t been restored. I would...
by blastoff
Mon Mar 04, 2019 10:36 pm
Forum: Personal Consumer Issues
Topic: Thinking of Buying a Watch - Recommendations?
Replies: 74
Views: 5167

Re: Thinking of Buying a Watch - Recommendations?

Only buy rolex watches. Eventhough it is expensive, but the value of the watch retains and appreciates. How have they done compared to other investments -- Total US Stock Market, for example? It does better than the stock market. Go research about it. An increase of at least 20% yoy for the past fe...
by blastoff
Sat Mar 02, 2019 5:40 am
Forum: Personal Consumer Issues
Topic: Priority boarding - Why?
Replies: 147
Views: 8986

Re: Priority boarding - Why?

I wish they would do away entirely with carry on luggage and give every one free bag check. It is a mess with both boarding and off-boarding taking enormous amount of time and the bags can be dangerous when they are humongous and heavy. Amen on this. +1-2-3 This is you whole solution. No carry on b...
by blastoff
Sat Feb 16, 2019 8:34 pm
Forum: Personal Consumer Issues
Topic: Rental Car Company Preferences
Replies: 26
Views: 1801

Re: Rental Car Company Preferences

I'm frugal but would not do Fox even if it was free.

Maybe they are better now, or at different locations.
by blastoff
Sun Jan 27, 2019 12:12 pm
Forum: Personal Consumer Issues
Topic: Is Acela (Amtrak) service worth it?
Replies: 42
Views: 3677

Re: Is Acela (Amtrak) service worth it?

NE regional does 120-125 mph between Newark and Philly. The problem with Amtrak is not top speeds. It's the slow speed areas and stops that waste time... doing 85mph in areas that are currently 40mph helps a lot more than doing 160 where it is currently 130mph. this was the surprising part train fr...
by blastoff
Sun Jan 27, 2019 12:07 am
Forum: Personal Consumer Issues
Topic: Is Acela (Amtrak) service worth it?
Replies: 42
Views: 3677

Re: Is Acela (Amtrak) service worth it?

NE regional does 120-125 mph between Newark and Philly.

The problem with Amtrak is not top speeds. It's the slow speed areas and stops that waste time... doing 85mph in areas that are currently 40mph helps a lot more than doing 160 where it is currently 130mph.
by blastoff
Fri Jan 04, 2019 8:29 pm
Forum: Personal Investments
Topic: Recent large raise and would appreciate some guidance
Replies: 29
Views: 2217

Re: Recent large raise and would appreciate some guidance

You're going to be in a really good place when you're 35. Spend a little, but don't get carried a way. You are doing fantastic and seem to have things well sorted based on what you write. I second the recommendation to consider term life insurance. Also recommend considering tax efficient investment...
by blastoff
Fri Jan 04, 2019 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 398
Views: 63089

Re: Fidelity free Turbotax

Fidelity replied to me and said they changed the availability of the turbo taxoffer this year with no further details. So, it might be different. I had the offer in past years. While I am still private client (probably not active trader), I didn't get it this year. I messaged them because there were...
by blastoff
Tue Jan 01, 2019 9:19 pm
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for plane trips, advice?
Replies: 62
Views: 3392

Re: Noise cancelling headphones for plane trips, advice?

How is the in-ear noise cancelling on Bose compared to the over the ear models? Curious within the same brand...
by blastoff
Tue Jan 01, 2019 9:18 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA income eligibility
Replies: 4
Views: 556

Re: Roth IRA income eligibility

Thanks for the reply.

It does feel wrong even thought it is OK. Glad I asked to confirm.

As a follow-up: Money contributed to a traditional 401k/403b/457b would reduce W-2 box 1, and therefore, that money would not be eligible to "also" contribute to a Roth IRA?
by blastoff
Tue Jan 01, 2019 9:06 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA income eligibility
Replies: 4
Views: 556

Roth IRA income eligibility

I contribute nearly all of my income to retirement accounts. All my pay is W2 eligible income to contribute to a Roth IRA. My question is this: Can a dollar that is contributed to a Roth 403b/457b also be contributed to a Roth IRA? I think the answer is yes. To make it a specific question: Assume I ...
by blastoff
Tue Jan 01, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for plane trips, advice?
Replies: 62
Views: 3392

Re: Noise cancelling headphones for plane trips, advice?

I just bought my first pair of quality noise cancelling headphones. I can tell you what I did and what I think. You'll have to decide if you want over the ear or in ear, and if you care about cost. My comments are for over the ear headphones. Noise cancelling isn't free. Unlike many things these day...
by blastoff
Wed Dec 26, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 302
Views: 42392

Re: TurboTax Prices

Amazon has dropped the price of TurboTax Deluxe to $39.99, which is what many have been waiting for. This is for TurboTax Deluxe + State on a CD, for PC or Macintosh . Of course purchasing with a Citi card that has Price Rewind ensures that you'll get any future lower price. For those wondering wha...
by blastoff
Fri Dec 21, 2018 1:01 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Diversify Globally
Replies: 47
Views: 5165

Re: Larry Swedroe: Diversify Globally

Curious about emerging markets value funds through fidelity?

Not trying to buy on this advice. Thread just reminded me I had looked at one point and was unsure of good answer.

I have some in the fidelity emerging markets index fund.
by blastoff
Thu Dec 20, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Cell Phone Plan/Carrier Recommendation?
Replies: 59
Views: 6573

Re: Cell Phone Plan/Carrier Recommendation?

I recently signed up with Google Fi. Price seems relatively good especially if you don't use a lot of data. Supports international roaming to many countries without having to get country specific SIM card. There is a very limited choice of phones that work with Fi. It uses T-Mobile, Sprint and U.S....
by blastoff
Wed Dec 19, 2018 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 398
Views: 63089

Re: Fidelity free Turbotax

We seem to have this debate every year as to what the criteria may be for the free TT offer. And Fido has not settled the confusion to my knowledge. IIRC, past threads indicated that not all eligible Fido clients received the offer at the same time. The tax season hasn't even started yet. For those...
by blastoff
Wed Dec 19, 2018 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 398
Views: 63089

Re: Fidelity free Turbotax

FWIW, my PCG rep just told me this regarding the offer. Not sure if it's true. The free turbo tax is for clients who have over $500k in non 401k assets. That is why not all premium/private clients will see the free turbo tax offer. Some only qualify for the discount. I have that in taxable. No offe...
by blastoff
Tue Dec 18, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 398
Views: 63089

Re: Fidelity free Turbotax

Not working for me -My Fidelity status is "Private Client Group" -I see no special link for TT at the bottom of the Fido Portfolio Page -When I click the TT link in Fidelity (under "Accounts and Trade" -->> "Tax Information") I get a "$20 off" offer. -When I go to the TT site via that link it does ...
by blastoff
Tue Dec 18, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 398
Views: 63089

Re: Fidelity free Turbotax

Not working for me -My Fidelity status is "Private Client Group" -I see no special link for TT at the bottom of the Fido Portfolio Page -When I click the TT link in Fidelity (under "Accounts and Trade" -->> "Tax Information") I get a "$20 off" offer. -When I go to the TT site via that link it does ...
by blastoff
Mon Dec 17, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Credit utilization impact on canceling credit cards
Replies: 22
Views: 968

Re: Credit utilization impact on canceling credit cards

I wouldn't be concerned.

But if you are, why not pay off the 7k expenses right now?
by blastoff
Sun Nov 18, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Is my husband ready to quit tenured professorship to pursue side hustle?
Replies: 97
Views: 10973

Re: Is my husband ready to quit tenured professorship to pursue side hustle?

Does he like writing the books? If you could retire and could know right now that the books would cover enough income would you do that?
by blastoff
Tue Nov 13, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: fuel for snowblower
Replies: 97
Views: 6096

Re: fuel for snowblower

I would buy 87 and make sure to add stabil, seafoam or similar.
by blastoff
Sat Nov 03, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Engineering school
Replies: 83
Views: 7849

Re: Engineering school

For engineering, I believe any State U is a fine choice for an in state student. I'm a Big Ten grad in ChE. Though it's fun to rip on other B10 schools... the truth is I'd hire a grad from any of them for engineering. This. Thermodynamics is Thermodynamics. It's taught the same way at all state sch...
by blastoff
Fri Oct 19, 2018 9:48 am
Forum: Personal Investments
Topic: Finally ready to start investing in RothIRA (23yrs old)
Replies: 34
Views: 2402

Re: Finally ready to start investing in RothIRA (23yrs old)

PhD or masters?

There is a decent chance you'll have some earned income after first year or so if funded off PI grants.

Read about tax GAIN harvesting. If limited Roth or other space, and making 21k, you basically have a Roth in taxable land until you make more money. 0% LTCG. 0%qual div.