Search found 434 matches

by crg11
Thu Apr 11, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: YouTube TV is increasing their price - will you cancel it?
Replies: 63
Views: 4582

Re: YouTube TV is increasing their price - will you cancel it?

Will keep it as it is the only streaming option that has my local broadcast networks plus local sports networks. Still cheaper than a cable package and a lot easier to use (all via Apple TV and iOS apps).

I do hope this is the end of the price increases and that this channel lineup stays stable.
by crg11
Tue Apr 09, 2019 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Infertility treatments/insurance/job situation
Replies: 29
Views: 1893

Re: Infertility treatments/insurance/job situation

We had similar issues starting a family and went with IUI. All the tests said we were find and shouldn't be having "infertility" issues...but we were. Luckily our health insurance covered all of the tests leading up to the procedure, including figuring out the timing for the procedure, just not the ...
by crg11
Mon Apr 08, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: router internet parental controls
Replies: 28
Views: 1631

Re: router internet parental controls

Blocking will never work. This coming from a person who in the mid 90s as a teen had internet access and knew far more than my parents. While I do have a few more years to go before my girls are anywhere close to being online, I already know how I will approach it with them thanks to the example my ...
by crg11
Fri Mar 08, 2019 8:53 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1017
Views: 85112

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Word of warning to folks...if you're initiating a transfer to Fidelity from Optum Bank, do not select the "all funds" option when filling out the Fidelity transfer form. It caused my Optum Bank account to be closed, and I'm currently waiting to hear back from them on whether it can be reopened so I ...
by crg11
Sun Mar 03, 2019 11:39 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1017
Views: 85112

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Does the Fidelity HSA offer an option to attach receipts to transactions? I like Optum Bank's Expense Journal, makes it really easy to ensure we have proper documentation for each transaction. They do offer a free document vault, but I doubt it's linked to specific transactions. I don't have any wi...
by crg11
Sat Mar 02, 2019 11:39 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1017
Views: 85112

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Does the Fidelity HSA offer an option to attach receipts to transactions? I like Optum Bank's Expense Journal, makes it really easy to ensure we have proper documentation for each transaction.
by crg11
Mon Feb 25, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: Which Free Antivirus for Macs?
Replies: 26
Views: 1564

Re: Which Free Antivirus for Macs?

There is no need for antivirus software on a Mac. You could make an argument that antivirus software opens up more attack vectors by rooting the operating system. Not that there isn't malware/viruses for Macs (there are), its just that typically you have to jump through lots of hoops to get somethin...
by crg11
Sat Feb 23, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: Advisability of Using a Personal Trainer at the Gym
Replies: 52
Views: 3878

Re: Advisability of Using a Personal Trainer at the Gym

Might be worth seeing if there is a CrossFit gym in your area. It'll be cheaper than paying for a personal trainer regularly since every class has a certified coach, you get to meet some really great people in the group classes (the community to me is sometimes better than the workouts), and the wor...
by crg11
Thu Feb 21, 2019 3:31 pm
Forum: Personal Investments
Topic: 2018/2019 tax reporting - TurboTax Online versions
Replies: 8
Views: 419

Re: 2018/2019 tax reporting - TurboTax Online versions

Typically you can just build your return on Turbotax Free and based on what you enter in, Turbotax will automatically recommend the appropriate version (Free, Deluxe, Premier, etc) when your return is completed and ready to submit to the IRS. So no need to stress over that.
by crg11
Wed Feb 20, 2019 11:40 am
Forum: Personal Investments
Topic: Eliminate my emergency fund?
Replies: 90
Views: 6028

Re: Eliminate my emergency fund?

Rename the account something other than emergency fund. Problem solved. This is actually what I did recently. I now just have one big savings account for my cash. This is used for emergency fund as well as things like saving for trips, down payments, etc. It's at a separate financial firm from my d...
by crg11
Thu Jan 17, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: New dishwasher recommendations?
Replies: 14
Views: 967

Re: New dishwasher recommendations?

We bought the Bosch 300 series dishwasher recommended by Wirecutter (https://thewirecutter.com/reviews/the-best-dishwasher/) and it has been fantastic. Very few items have ever come out dirty (usually only if I haven't cleaned the filter recently), it is very quiet, and it dries reasonably well desp...
by crg11
Wed Jan 16, 2019 6:24 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 50307

Re: John Bogle is dead at 89

Rest In Peace. I’ve dreamed of meeting him and thanking him, but alas that was not meant to be. Let his philosophy and example live on.
by crg11
Tue Jan 01, 2019 10:22 pm
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 160
Views: 8392

Re: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?

I actually finished my 2018 Roth IRA contributions in October (in the past my SO and I DCA’d with monthly contributions), so we were able to save up a couple of months worth of contributions plus a little extra to kick off 2019 running. Just submitted those transactions to Fidelity in the past hour....
by crg11
Thu Dec 20, 2018 10:24 am
Forum: Personal Investments
Topic: Will you contribute all $6,000 to IRA in Jan or DCA?
Replies: 32
Views: 2001

Re: Will you contribute all $6,000 to IRA in Jan or DCA?

I'm seriously considering doing a lump sum for my IRA and my SO's on January 1st or shortly after (expecting a bonus mid January, so may just wait for that). It'll be the first time we've ever had enough savings to do this vs. DCA. Then I'll throw the equivalent month DCA payment into savings in pre...
by crg11
Sat Nov 10, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: iMac + iPad Pro
Replies: 29
Views: 2280

Re: iMac + iPad Pro

This is actually my mid-term plan. I just bought the new iPad Pro 12.9” with the Smart Keyboard fully intending it to be my main laptop and will eventually (probably when the next iMac refresh and/or spec bump happens) purchase an iMac to replace my MacBook Pro for heavy duty tasks that you just nee...
by crg11
Thu Nov 08, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Home Design CAD program for Mac or iPad
Replies: 7
Views: 540

Re: Home Design CAD program for Mac or iPad

I haven’t tried any of these, but I’ve been mulling looking for an iPad app for this purpose too.

Just saw this App Store story that shares some options: https://itunes.apple.com/us/story/id1409875792
by crg11
Thu Oct 18, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 66
Views: 8958

Re: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

I'm seriously considering going with Ring Alarm (I just picked up one of their doorbells). $10/month monitoring vs. $42.99/month that I currently pay (Frontpoint) and that $10 includes video storage too for any of their doorbells/cameras. Even with the equipment purchase it looks I will break even j...
by crg11
Fri Sep 21, 2018 8:42 am
Forum: Personal Investments
Topic: Automated Roth in plan conversions better than Mega Backdoor to Roth IRA?
Replies: 7
Views: 964

Re: Automated Roth in plan conversions better than Mega Backdoor to Roth IRA?

AFAIK there is no limits on how much you can convert. Just the initial contributions have to fit within the max 401k (pre-tax + Roth) + employer contribution + after-tax contribution limits each year.
by crg11
Fri Sep 21, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: Need iPhone case recommendations
Replies: 19
Views: 1217

Re: Need iPhone case recommendations

I personally use Apple's leather cases. I've never broke a phone with them, they look great, and they fit like a glove on the phone.
by crg11
Thu Sep 20, 2018 7:47 pm
Forum: Personal Investments
Topic: Automated Roth in plan conversions better than Mega Backdoor to Roth IRA?
Replies: 7
Views: 964

Re: Automated Roth in plan conversions better than Mega Backdoor to Roth IRA?

Great, thanks everyone. Sounds like I have a good option here, so will see how I can fit some after-tax contributions into my savings plan :)
by crg11
Thu Sep 20, 2018 1:53 pm
Forum: Personal Investments
Topic: Automated Roth in plan conversions better than Mega Backdoor to Roth IRA?
Replies: 7
Views: 964

Automated Roth in plan conversions better than Mega Backdoor to Roth IRA?

Hi all, I've been mulling doing a mega backdoor Roth for awhile (https://www.bogleheads.org/forum/viewtopic.php?f=1&t=257494&p=4088813#p4088813). I'm one of the lucky ones who's 401k plans include after-tax contributions, in-service transfers, no fees on transfers, and no limit on transfers. Today I...
by crg11
Fri Aug 31, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Best Checking Account?
Replies: 50
Views: 4397

Re: Best Checking Account?

Check your local credit union. Mine has local branches, reimburses ATM fees, has mobile deposit, and all of the normal features of a big bank but with local service and ownership.
by crg11
Tue Aug 28, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: How to Pass on Money Against My Sister's Wishes (Ethics and Finance)
Replies: 74
Views: 7683

Re: How to Pass on Money Against My Sister's Wishes (Ethics and Finance)

Given that your sister has given conflicting instructions and is showing signs of dementia likely means she isn't in a state where she can make a real decision on this today. However, given written instructions apparently exist, it is probably best to talk to a lawyer to determine if those written i...
by crg11
Sun Aug 26, 2018 5:46 pm
Forum: Personal Investments
Topic: How often do you perform Mega Backdoor Roth in-service transfer?
Replies: 17
Views: 1610

How often do you perform Mega Backdoor Roth in-service transfer?

I recently found out my employer offers after-tax contributions via our Fidelity 401k plan, with these features: After-tax contributions allowed In-service transfers are allowed No fee for an in-service transfer No limit for in-service transfers This means I have the max flexibility Mega Backdoor Ro...
by crg11
Thu Jul 12, 2018 8:21 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 20920

Re: COMING SOON: BOGLEHEADS PODCASTS

The Bogleheads Show
This Week in Bogleheads
Investing the Bogleheads Way
Let's Talk Bogleheads
by crg11
Thu Jul 12, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 63
Views: 7099

Re: Is expensive olive oil worth it?

I used to buy the cheap extra virgin olive oil from the grocery store. Then I read this book: https://www.amazon.com/Real-Food-Fake-Youre-Eating-ebook/dp/B01B3VMBN8/ and it completely changed my perception. Real extra virgin olive oil is surprisingly rare :( http://extravirginity.com/ is maintained ...
by crg11
Wed Jul 04, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 9056

Re: Any Boglehead powerlifters?

Lifted my first barbell ever 9 months ago at age 35 when I joined a local CrossFit gym. I'm a skinny guy with no upper body strength (I'm really close to passing 100# on a clean and jerk), so has been a slow build up, but absolutely love it. Changed everything about my health: my back, knees, and hi...
by crg11
Fri Jun 15, 2018 9:52 am
Forum: Personal Investments
Topic: Company 401(k) Actually Better Than IRA? (Fidelity)
Replies: 6
Views: 552

Re: Company 401(k) Actually Better Than IRA? (Fidelity)

I'm fairly certain (was told in another thread recently) that you cannot roll a Roth IRA into a Roth 401K. https://www.irs.gov/retirement-plans/retirement-plans-faqs-regarding-iras-rollovers-and-roth-conversions seems to agree on that part. Can I roll over my IRA into my retirement plan at work? You...
by crg11
Thu Jun 14, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA + MMF vs. online credit union
Replies: 35
Views: 3716

Re: Fidelity CMA + MMF vs. online credit union

Just wanted to say, thank you for this thread and the excellent tidbits in it. Because my new employer has a 401k with Fidelity, I have been working on moving my Vanguard 401k, IRAs, etc to Fidelity and consolidating when possible. This thread made me realize I could also move for my emergency fund ...
by crg11
Tue Jun 12, 2018 12:32 pm
Forum: Personal Investments
Topic: 401k to Traditional IRA to new 401k in same year?
Replies: 4
Views: 297

Re: 401k to Traditional IRA to new 401k in same year?

You cannot roll your Roth IRA into a Roth 401k, the tax code does not allow it. That said, leaving your Roth IRA in place will not affect your ability to do a back door Roth, and you can convert into the existing Roth IRA account. The critical piece is having the pre tax TIRA value rolled into your...
by crg11
Tue Jun 12, 2018 9:55 am
Forum: Personal Investments
Topic: 401k to Traditional IRA to new 401k in same year?
Replies: 4
Views: 297

401k to Traditional IRA to new 401k in same year?

I recently started a new job and rolled my previous employer's 401k funds into my Vanguard Traditional IRA. I just learned my new employer has Fidelity with excellent institutional Vanguard index funds (with expense ratios as low as 0.02%) and no admin fees. Does it make sense to roll my Vanguard Tr...
by crg11
Tue May 01, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: New job with HSA, previous job had FSA...can I use the HSA?
Replies: 3
Views: 451

Re: New job with HSA, previous job had FSA...can I use the HSA?

Thanks for the tips. Sounds like the key (since the FSA terminates when the job ends) is to start the HSA the 1st day of the following month.

I'll have to talk with HR when I start and see if I can do that.
by crg11
Tue May 01, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: New job with HSA, previous job had FSA...can I use the HSA?
Replies: 3
Views: 451

New job with HSA, previous job had FSA...can I use the HSA?

I'm starting a new job in a few weeks and they offer a Health Savings Account coupled with a High Deductible health plan. However, my previous job has a Flexible Spending Account (FSA). My understanding is I can't have both a FSA/HSA at the same time in the same year, however I have read mixed scatt...
by crg11
Sat Feb 24, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 236
Views: 47416

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

How are they able to hold $1 for so long when I see their portfolio is 70% bonds and bonds are going downhill? My other bond fund VBTLX is bleeding money like it's going out of style so just a bit confused. Ignoring the bonds, versus notes, versus bills debate for a second. Retail and govt MM funds...
by crg11
Fri Feb 09, 2018 8:31 am
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 15295

Re: "The stock market is officially in a correction... here's what usually happens next"

Staying the course :) Zero concern about the market. Continuing with my investment plan (DCA to max out my 401k and our IRAs over the course of the year).

Love following this forum.
by crg11
Wed Jan 31, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: looking for positive experiences transferring to Vanguard
Replies: 39
Views: 3406

Re: looking for positive experiences transferring to Vanguard

Multiple transfers for multiple people over the years, never had an issue. Even when I sent a 401k transfer check overnight to Vanguard they had it processed and in the account within 48 hours.
by crg11
Sat Jan 27, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 11466

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I read this thread and shake my head. I don't know how you could be proud of using devices that stopped getting security updates in some cases years ago. Doesn't matter if you are careful about what sites you visit or apps you install. You are putting everything you have on your phone at risk by usi...
by crg11
Sun Jan 21, 2018 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Going to one income-seeking testimonials
Replies: 101
Views: 6629

Re: Going to one income-seeking testimonials

We have been 1 income for about 18 months now. It's definitely a challenge in some ways. Budgeting properly (we use YNAB) and using common sense is the key here. If you spend less than you earn, then you are ok :) We would be barely breaking even if we added a second salary to our household because ...
by crg11
Fri Jan 19, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Forrester
Replies: 34
Views: 3349

Re: Alternatives to Subaru Forrester

Love my '17 Forester (great visibility, rock solid in snow, comfortable ride). We also looked at the CRV (visibility felt poor) and RAV4 (did not like interior design). I'd look at an Outback if you want to stay in the Subaru family. It's a bit more refined in certain areas (interior for one) compar...
by crg11
Sun Dec 31, 2017 9:00 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2338
Views: 415295

Re: What are you up YTD? [Year To Date]

18.2% for 2017. Most of the year was spent in my two fund portfolio (Total Stock Market + Total Bond Market), ~80/20 split. Did do a little trial with a Target Retirement fund for everything, but decided to go back to my two fund portfolio. Seconds straight year we maxed out contributions to my 401k...
by crg11
Sun Dec 31, 2017 4:37 pm
Forum: Personal Investments
Topic: Two-comma club just in time for the New Year, and thank you
Replies: 47
Views: 5468

Re: Two-comma club just in time for the New Year, and thank you

Posts like this keep me motivated. Hit about $324k NW as of today. A long ways to go to the two-comma club (we're in our mid 30s), yet we've already grown so much over the past couple of years.
by crg11
Mon Dec 25, 2017 12:27 am
Forum: US Chapters
Topic: My Christmas Present to You
Replies: 90
Views: 10371

Re: My Christmas Present to You

Merry Christmas, Taylor. My great-grandfather fought in the Battle of the Bulge and almost lost his life from wounds suffered in that battle. Thank you serving during that time and sharing your bits of wisdom over the years :)
by crg11
Thu Dec 21, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: iPhone 4 troubleshooting
Replies: 15
Views: 1634

Re: iPhone 4 troubleshooting

Not to mention, the iPhone 4 hasn't received an iOS update since iOS 7 (there has been 4 major versions since)! Many modern apps simply won't work on that phone, never mind the ton of security vulnerabilities that have since been patched. Seriously, get a new phone. I think you got your money's wort...
by crg11
Sat Dec 02, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 158
Views: 24315

Re: Best Financial Moves You've Made

1. Started contributing to my 401k at age 22. It wasn't much, but has added up over time. Now I've maxed out my 401k for 3 straight years and both mys spouse and I's IRAs for 2 straight years. 2. Had a big awakening around 2007 (3 years after college) on debt and credit cards. I first got it to the ...
by crg11
Thu Nov 30, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: 2018 Goals - Financial or Otherwise
Replies: 68
Views: 7169

Re: 2018 Goals - Financial or Otherwise

1. Accomplish 3 straight years of a maxed out 401k and two IRAs. 2. Spend more time with my family. 3. Enjoy nature more. 4. Establish a plan to begin taxable account investing. 5. Read more. 6. Look into coaching to help level up my career. 7. Be consistent working out and eating better. I started ...
by crg11
Sat Oct 28, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 34612

Re: Iphone X is $1000

Also bought one, should be delivered by launch day. While I'm not due for a new iPhone, I'm excited for the better camera, bigger / more color accurate screen, and the performance gains. Gadgets are my one vice and given I'm in tech, I don't have an issue with buying these. I budget for them and I l...
by crg11
Wed Oct 04, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 142
Views: 25398

Re: What age did you become debt free and what opportunities did it create?

Not debt free, fairly close. Paid off my student loans early this year and that was a huge lift to our finances, both mentally and budget wise. Not having to think of payments, collect statements, figure out taxes, and just grumbling about my student loans was liberating. Also we have paid off our c...
by crg11
Mon Sep 25, 2017 8:29 pm
Forum: Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 30183

Re: I won the Lottery. Need sound advice.

For help budgeting, check out You Need A Budget (https://www.youneedabudget.com). Excellent budgeting program that has helped many Bogleheads and others on getting their spending under control. The philosophy is basically give every dollar a job. It's life changing if you abide by the program and fo...
by crg11
Mon Aug 21, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 21652

Re: How far would you travel to see The Eclipse?

Excited, in 2024 we'll have a full eclipse here in the northern New England.
by crg11
Fri Jul 28, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market vs. Savings Accounts
Replies: 78
Views: 32376

Re: Vanguard Money Market vs. Savings Accounts

I recently moved my emergency fund from an online savings account into a Vanguard Prime Money Market fund. Interest rates are basically the same, so no change there. Main reason is to consolidate the # of accounts/companies I have a financial relationship with (now down to a credit card company, a l...