Search found 100 matches

by tedgeorge
Sat Nov 21, 2020 7:59 am
Forum: Personal Consumer Issues
Topic: WIFI mesh - Orbi or Google
Replies: 47
Views: 2947

Re: WIFI mesh - Orbi or Google

I’ve been burned by firmware updates before so that could have happened to you on your setup. Worth checking out to see if there is a setting or something that was flipped by the update. Or maybe you need to update. One dumb thing that got me was a node went offline and the only way to tell was chec...
by tedgeorge
Fri Nov 06, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: Brand of window for remodel?
Replies: 17
Views: 1614

Re: Brand of window for remodel?

We replaced ours this year. Went with Okna windows for the price and they've been great so far. It seems there is a window for any price point. I doubt you can really go wrong unless you get bad installer. We did the replacement windows (not the full ones) and I honestly can't tell you that we lost ...
by tedgeorge
Tue Nov 03, 2020 2:33 pm
Forum: Personal Investments
Topic: Backdoor Roth Mechanics - is this right?
Replies: 13
Views: 817

Re: Backdoor Roth Mechanics - is this right?

Yes. That is exactly what I did. Even if they close your t-IRA as part of the transfer, you can just open a new one on the site. If you are doing it, go ahead and do it this calendar year. If you wait until say January and do it and then do an additional backdoor contribution for the next tax year ...
by tedgeorge
Tue Nov 03, 2020 1:03 pm
Forum: Personal Investments
Topic: Backdoor Roth Mechanics - is this right?
Replies: 13
Views: 817

Re: Backdoor Roth Mechanics - is this right?

Yes. That is exactly what I did. Even if they close your t-IRA as part of the transfer, you can just open a new one on the site. If you are doing it, go ahead and do it this calendar year. If you wait until say January and do it and then do an additional backdoor contribution for the next tax year i...
by tedgeorge
Tue Nov 03, 2020 10:35 am
Forum: Personal Consumer Issues
Topic: Manual Leaf Sweeper
Replies: 10
Views: 830

Re: Manual Leaf Sweeper

I got one for free off craigslist. It was exactly worth that price. It's fine if there isn't much down. Once the leaves, or pine needles in my case, start to fall, you are going to hate it. The 3 feet measurement posted earlier is about right. And you'll likely have to go back over that a few times ...
by tedgeorge
Wed Oct 28, 2020 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Yet another pay down my mortgage thread....
Replies: 37
Views: 2036

Re: Yet another pay down my mortgage thread....

One thought here. You're saving a ton of cash. Perhaps you could use some of that to pay a CPA or some other fee only financial planner to discuss those options like IRA vs Solo 401k and give you some things to think about. I hate paying for things too but at your savings rate, I feel like it'd be a...
by tedgeorge
Tue Oct 27, 2020 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Tips on how to get the most of my yearly performance review?
Replies: 40
Views: 5291

Re: Tips on how to get the most of my yearly performance review?

If someone has difficulty performing to expectations, its unfair to the employee and detrimental to the company to wait for an annual review. Completely agree. I did not have good managers at my first company. One I met with every week and he had no complaints or advice. Then he read a book on how ...
by tedgeorge
Tue Oct 20, 2020 3:23 pm
Forum: Personal Consumer Issues
Topic: Best Apple Watch for Jogging & Podcasts
Replies: 26
Views: 2064

Re: Best Apple Watch for Jogging & Podcasts

Check out the waist belts. I've got a flipbelt and it fits an iphone XR with no problem. I put the phone in and twist it to behind me so it doesn't bounce in front. I waited a long time before buying one but I love it. It's very easy to use and could solve your problem whether in the gym or on the r...
by tedgeorge
Tue Oct 13, 2020 10:57 am
Forum: Investing - Theory, News & General
Topic: The Wrong Way to Think About Debt - The White Coat Investor
Replies: 215
Views: 26360

Re: The Wrong Way to Think About Debt - The White Coat Investor

I agree this article is targeted to high earners who have the means to reduce large debts in a short timeframe. I remember WCI talking about paying off those student loans in like two years by living like a resident. Can't imagine paying down $200K in that timeframe but if I could, I'd do it. Certai...
by tedgeorge
Mon Sep 14, 2020 10:09 am
Forum: Personal Consumer Issues
Topic: Coping with Megacorp rat race
Replies: 168
Views: 16613

Re: Coping with Megacorp rat race

You may consider changing your mindset. Make the Megacorp work for you instead of the other way around. Take full advantage of everything they have to grow yourself as much as possible so you are ready for the next position wherever that may be. Do they offer tuition assistance? Take it. What about ...
by tedgeorge
Fri Sep 04, 2020 8:43 am
Forum: Personal Investments
Topic: Pay down mortgage or invest
Replies: 31
Views: 2608

Re: Pay down mortgage or invest

I'd split it up. Some to the mortgage, some to investing and some to just some fun and/or house projects that have been put on hold that would make things better. Gotta celebrate the wins!
by tedgeorge
Fri Aug 28, 2020 10:09 am
Forum: Personal Consumer Issues
Topic: Garage shelves?
Replies: 29
Views: 2521

Re: Garage shelves?

Measure, measure, measure. Especially if you are wanting to park a car next to it. And then plan what you are going to store things in. They make storage totes in all sizes but some are way more expensive than others so something to be aware of. I'd say build it but finding the right wood can be a c...
by tedgeorge
Tue Aug 25, 2020 1:56 pm
Forum: Investing - Theory, News & General
Topic: A Beater Truck and a FAT 401k...
Replies: 104
Views: 10472

Re: A Beater Truck and a FAT 401k...

My desire for nicer cars dwindled exponentially when life became commuting to/from work and battling the never-ending stream of crushed goldfish and melted gummy bears in the back seat. Especially right now when our cars are just sitting there for days with offices closed. Super happy with my $3000 ...
by tedgeorge
Thu Aug 13, 2020 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8098
Views: 565104

Re: Refinance Mega Thread

I'm looking at a 2.75% rate for a 25 year on $215K through Sierra Pacific who is the current mortgage company. They want to roll it all in so I'd have a bigger mortgage when done. D = $2687 with no lender credit E = $350 They have a 2.875% with $1,109.25 lender credit. Feels like I'm not getting as ...
by tedgeorge
Thu Jul 16, 2020 7:21 am
Forum: Personal Consumer Issues
Topic: Ancient/slow ipad 2
Replies: 22
Views: 1216

Re: Ancient/slow ipad 2

We had two for the kids and they eventually complained all the time because the hardware just could not keep up with all the games and things they were doing. Too many apps doing in-app downloads that took forever to load. The apps are getting more intensive in all the things they are doing. Especia...
by tedgeorge
Tue Jul 14, 2020 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring from a career in tech
Replies: 104
Views: 10900

Re: Retiring from a career in tech

If your manager isn't pointing out you need to work more then I wouldn't worry about it too much. Talk to them about it and see if it's an issue if you are really worried. Just a "how am I doing question" may bring that to the top. A lot of times, they'd rather keep a good employee than re...
by tedgeorge
Wed Jun 24, 2020 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Cost of a PMP and is it worth it?
Replies: 38
Views: 3733

Re: Cost of a PMP and is it worth it?

I can only say you will get more interest from recruiters if you have PMP on your resume than not. I don't see a real salary bump unless you were a junior project manager working through your hours and then you take the test and are promoted. I passed using a Udemy course, Rita's book and lots of th...
by tedgeorge
Fri Jun 19, 2020 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Car Loan vs Cash
Replies: 38
Views: 2671

Re: Car Loan vs Cash

Draw your line in the sand of how much you want to spend and don't go over it either way. I'm sure you can find something that falls in that budget especially if you are not desperate for a car right now. Hertz is dumping their inventory so check there. How easy is the money to get out of your inves...
by tedgeorge
Mon Jun 15, 2020 9:20 am
Forum: Personal Finance (Not Investing)
Topic: best way to give away a table saw
Replies: 53
Views: 3334

Re: best way to give away a table saw

I'd put that on craigslist or facebook marketplace and put a price on it. You want someone who is interested and would pay. Then you can give it to them if you want.

Free items are always a gamble if someone will show and putting this on the street doesn't sound like a good option.
by tedgeorge
Wed Jun 10, 2020 9:28 am
Forum: Personal Consumer Issues
Topic: Backyard renovation: lawn vs pollinator garden
Replies: 24
Views: 1529

Re: Backyard renovation: lawn vs pollinator garden

The local garden centers normally have people who will come out and do an assessment. They may do it for free or they may charge you to actually write down the rapid fire scientific names that will come from their talking. I've found NextDoor to be a wealth of local information as well. People are a...
by tedgeorge
Mon Jun 01, 2020 7:46 am
Forum: Personal Consumer Issues
Topic: Backyard Movie Night
Replies: 22
Views: 2213

Re: Backyard Movie Night

We've been doing pandemic movie night every friday in our culdesac. We're using my white garage door for the screen and it works great when it finally gets dark. The light is the biggest challenge. We're going to try a pop up tent next week to try and make it darker and keep us from starting movies ...
by tedgeorge
Mon Apr 20, 2020 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-Layoff: Work doubly hard to be untouchable or Start practicing for interviews?
Replies: 56
Views: 5767

Re: Pre-Layoff: Work doubly hard to be untouchable or Start practicing for interviews?

It's likely everyone who can make a decision already has an opinion about you and your utility to the company. People don't suddenly forget everything you've done to date and start evaluating your usefulness. This would be like cramming the last month for your yearly review. I say that so you don't ...
by tedgeorge
Thu Apr 09, 2020 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Feeling stuck in career - what did you do to "unstuck" yourself?
Replies: 41
Views: 3841

Re: Feeling stuck in career - what did you do to "unstuck" yourself?

It's possible you might be right where you should be for you. You are learning and possibly being a great team contributor who will move on to leadership roles later. If you are winning awards at your company, look around for or create a position that will help you grow. First time management is a g...
by tedgeorge
Tue Mar 03, 2020 11:49 am
Forum: Personal Investments
Topic: Mega backdoor roth - in plan conversion - turbo tax
Replies: 6
Views: 559

Re: Mega backdoor roth - in plan conversion - turbo tax

I agree this is very confusing. I'm not a tax expert but I think the intent of the question is in case you converted your entire 401k to a Roth 401k and not simply the after tax portion. That is probably a more normal scenario for someone who's company doesn't provide this after-tax contribution. Yo...
by tedgeorge
Tue Mar 03, 2020 8:21 am
Forum: Personal Investments
Topic: Mega backdoor roth - in plan conversion - turbo tax
Replies: 6
Views: 559

Re: Mega backdoor roth - in plan conversion - turbo tax

Follow this guide. It explains what to do and how to check your work.

https://thefinancebuff.com/mega-backdoo ... botax.html
by tedgeorge
Tue Feb 25, 2020 7:27 pm
Forum: Personal Consumer Issues
Topic: Yellowstone trip beginning of June
Replies: 23
Views: 2109

Re: Yellowstone trip beginning of June

Not a stupid question. I wasn’t prepared for it either. Go to the park site and find the brochure map. You will see the loop is a figure eight with the middle mainly being a cut through road. There are distances marked on the map. There are no other roads in the park. Your best bet would be to stay ...
by tedgeorge
Tue Feb 25, 2020 2:43 pm
Forum: Personal Consumer Issues
Topic: Yellowstone trip beginning of June
Replies: 23
Views: 2109

Re: Yellowstone trip beginning of June

Yellowstone is massive. Look at a map and start planning. For instance, you are 22 miles from the south entrance to the start of the loop. From the south entrance and depending on traffic, you could spend two hours just driving to the north side. Getting in and out of the park can be slow to so get ...
by tedgeorge
Mon Feb 24, 2020 1:42 pm
Forum: Personal Consumer Issues
Topic: Guitar for a 45 year old beginner
Replies: 52
Views: 4255

Re: Guitar for a 45 year old beginner

I went through this right before the holidays. This is a hard question to answer because you don't know what you don't know. You can't really play anything so comparing guitars is really tough in a store. You don't know if the guitar is setup correctly or what you could change to make it better. Did...
by tedgeorge
Mon Feb 03, 2020 2:28 pm
Forum: Personal Investments
Topic: Timing of the Backdoor roth IRA
Replies: 8
Views: 714

Re: Timing of the Backdoor roth IRA

You can do both 2019 and 2020 this year. Just makes your taxes a bit tricky as you'll see both contributions reported for 2020 on your 1099-R that you get in 2021. Going through this right now for my taxes. Lots of articles on how to account for it so don't let that hold you back!
by tedgeorge
Thu Jan 30, 2020 8:05 pm
Forum: Personal Investments
Topic: FreeTaxUSA Doesn't Support Mega Backdoor Roth (2019)
Replies: 7
Views: 1351

Re: FreeTaxUSA Doesn't Support Mega Backdoor Roth (2019)

Thanks for starting this. This was driving me crazy earlier today and I haven’t had time to look into it more.

Time for TurboTax?
by tedgeorge
Sun Dec 29, 2019 9:36 am
Forum: Personal Consumer Issues
Topic: Has anyone done Whole 30? [Diet]
Replies: 141
Views: 5965

Re: Has anyone done Whole 30?

We did this a couple years ago. We spent a lot more on groceries and food prep took a lot of time.

The best thing was my energy level really evened out when cutting all the sugar. You are right about it being non everything.

Thinking about doing it again just for the energy boost.
by tedgeorge
Mon Dec 16, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: Airpod alternatives?
Replies: 29
Views: 3015

Re: Airpod alternatives?

If you are really a gambler and can wait on shipping you can go to Alibaba and find some great deals. My Airpod knockoffs were great but the battery is already starting to go after a few months.

Taotronics and Anker are really good brands I've used before.
by tedgeorge
Wed Dec 11, 2019 4:05 pm
Forum: Personal Consumer Issues
Topic: Free / Cost Effective Database for 100+GB Data
Replies: 24
Views: 2982

Re: Free / Cost Effective Database for 100+GB Data

Yes. Much easier these days than the past and having to deal with partitions and several steps.
by tedgeorge
Wed Dec 11, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: Which iPhone would you buy today?
Replies: 102
Views: 7780

Re: Which iPhone would you buy today?

You need to hold some of these phones to decide as the size may be a breaking point. The XR is big coming from the SE. I enjoy it now but you may find it almost not fitting in your pocket.
by tedgeorge
Wed Dec 11, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: Free / Cost Effective Database for 100+GB Data
Replies: 24
Views: 2982

Re: Free / Cost Effective Database for 100+GB Data

The SSD probably comes with software to do the clone of your current hard drive so just use that. You'll need a USB external hard drive enclosure to put the new drive in so your computer will recognize it and do the clone. When its done, you swap them out and you're hopefully good to go! Then you ca...
by tedgeorge
Tue Dec 10, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: Best paper notebooks for workplace notes
Replies: 21
Views: 1826

Re: Best paper notebooks for workplace notes

You probably will find a stash of notebooks in the office supply room at your new job. Grab and go!
by tedgeorge
Mon Dec 02, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: iPad or Chromebook for 5 year old?
Replies: 42
Views: 2792

Re: iPad or Chromebook for 5 year old?

My kids are using 8 year old ipads. That's the best thing about them in my opinion is that an ipad is good for a long time. You get a new one and your kids can use them for years.

Definitely get the rugged cases. And screen wipes...lots of screen wipes.
by tedgeorge
Mon Dec 02, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: which netgear wifi for replacement of airport extreme base station
Replies: 15
Views: 494

Re: which netgear wifi for replacement of airport extreme base station

if it's just you, then go with the cheaper one. It doesn't sound like you are going to be pushing the limits and its easy to setup. The nighthawk series is great and easy to manage. If you're having coverage issues, you can even add an extender to reach those far places. We have a lot of devices and...
by tedgeorge
Thu Aug 29, 2019 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage with sale of taxable account assets?
Replies: 90
Views: 5775

Re: Pay off mortgage with sale of taxable account assets?

I'm of the mind to keep that liquidity to keep your options open. We had our forever house and then kid #2 showed up. Now we have a new forever house... Very stressful doing a heloc to unlock the cash needed to help manage the move/construction/purchase then float two mortgages. Just keep doing what...
by tedgeorge
Mon Aug 05, 2019 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Advice for making and reviewing a family budget
Replies: 25
Views: 1776

Re: Advice for making and reviewing a family budget

No but that's just convenience. You can do all this with a spreadsheet if you want. There are a ton of examples if you search online. You'll just have to enter in the data instead of having it done automatically. You can usually export the data from the various banks/credit cards/etc. I think most p...
by tedgeorge
Wed Jul 31, 2019 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Storing documents--- trust, will, etc.
Replies: 22
Views: 2269

Re: Storing documents--- trust, will, etc.

My attorney also alerted me to the fact that safe deposit boxes are not available at most banks on nights and weekends. Not good for those accidents and life events that may require health directives.

Just something to consider in planning.
by tedgeorge
Wed Jul 31, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Personal Cloud Storage NAS - I'm Interestd!
Replies: 17
Views: 1915

Re: Personal Cloud Storage NAS - I'm Interestd!

For that device, it's just local storage with a web server that allows you to access it over the web. If your phone was destroyed, the files would be on the storage. If the storage is destroyed, your files are still on your phone. If both are gone, so are your files. It is not magically loading thos...
by tedgeorge
Thu Jul 18, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Has anyone seen the documentary "Playing with FIRE?"
Replies: 217
Views: 22916

Re: Has anyone seen the documentary "Playing with FIRE?"

Shame on them for proclaiming "retirement" but hooray for the person who "quit" their day job to follow their passion and became successful? Did I get that right? :shock:
by tedgeorge
Sun Jul 14, 2019 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Recent layoffs and now focus on corporate valuation - are owners looking to sell?
Replies: 29
Views: 2883

Re: Recent layoffs and now focus on corporate valuation - are owners looking to sell?

I’ve worked at a company where new investors showed up and there were lots of changes. The investors were trying to correct some poor strategic decisions by the owners. Lots of early layoffs to try to shore up losses and to try and refocus strategy away from previous bad choices. The bean counters a...
by tedgeorge
Wed Jul 10, 2019 11:57 am
Forum: Personal Consumer Issues
Topic: Solar powered landscape lighting
Replies: 15
Views: 1186

Re: Solar powered landscape lighting

Same here. I've tried a few times and the solar lights are very hit or miss. Especially on the cloudy days. You might consider the ones with motion sensors for the places where you don't go that much so they might have power when you get there!
by tedgeorge
Thu Jun 06, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Lodging and restaurants in Boone, NC.
Replies: 21
Views: 1741

Re: Lodging and restaurants in Boone, NC.

I agree about Blowing Rock. Lots of nice places to stay and you can walk everywhere. Boone and the surrounding areas are very close depending on where you want to go.
by tedgeorge
Mon Apr 29, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Storage shed
Replies: 9
Views: 1166

Re: Storage shed

Craigslist seems to always have somebody willing to build sheds. You may also find some of the local shed companies advertising too. If you get lucky, you might find a local high school or community college building sheds as a fundraiser. Tuff Shed has a lot of locations around the US and you may fi...
by tedgeorge
Tue Apr 23, 2019 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Refinancing Private Student Loans
Replies: 9
Views: 722

Re: Refinancing Private Student Loans

For the private ones, I would look around and see what rates you can find. It is well worth your time to try and knock that interest rate down so you're paying more in principal each month and less in interest.

We had a great experience with SoFi and I would recommend them.
by tedgeorge
Sat Apr 06, 2019 8:19 am
Forum: Personal Consumer Issues
Topic: Drill & driver combo kit comparison
Replies: 46
Views: 3313

Re: Drill & driver combo kit comparison

I agree that you should buy into a system. I’ve piece mealed mine together and regret some of the batteries are not interchangeable. Ryobi is probably the most extensive entry level with a ton of deals all the time. Perfect for the weekend warrior. You can also use some of the batteries in outdoor t...
by tedgeorge
Sat Mar 30, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating - Raleigh / Durham
Replies: 21
Views: 2057

Re: Relocating - Raleigh / Durham

Cameron Village looks a lot different today than it did even 2 years ago. Lots of traffic with new apartments everywhere. The beach is 2-4 hours depending on which part of the coast you want to visit. 2 hours to Wilmington except on friday afternoons during the summer when everybody is headed that w...