Search found 125 matches

by macheta
Sat Sep 29, 2018 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: mega backdoor roth - question about tax on earnings
Replies: 25
Views: 1548

Re: mega backdoor roth - question about tax on earnings

What about if the funds are needed before 59.5 and they have been in the Ira for at least five years. The 100s is taxed just like a contribution.. Correct?
by macheta
Mon Sep 10, 2018 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer Question
Replies: 23
Views: 2020

Re: Transfer Question

Yes there is money in there now. I did the transfer from an after tax 401k. Just for clarity, I assume you mean the after-tax account, not the Roth 401k account. I also assume this is your only Roth IRA and that is the only money in it. Let's say you put $10,000 into the after-tax account and it gr...
by macheta
Mon Sep 10, 2018 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer Question
Replies: 23
Views: 2020

Re: Transfer Question

Yes there is money in there now. I did the transfer from an after tax 401k. Just for clarity, I assume you mean the after-tax account, not the Roth 401k account. I also assume this is your only Roth IRA and that is the only money in it. Let's say you put $10,000 into the after-tax account and it gr...
by macheta
Mon Sep 10, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Transfer Question
Replies: 23
Views: 2020

Re: Transfer Question

Yes there is money in there now. I did the transfer from an after tax 401k.
by macheta
Mon Sep 10, 2018 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Transfer Question
Replies: 23
Views: 2020

Re: Transfer Question

If you rollover funds to an IRA, whether taxable or ROTH, the funds don't change their composition. In other words, if 80% of your funds are contributions and 20% are earnings, that mix stays the same when they are rolled over. So, a rollover of a ROTH 401K to a ROTH IRA of $8,000 in contributions ...
by macheta
Mon Sep 10, 2018 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Transfer Question
Replies: 23
Views: 2020

Re: Transfer Question

I want to know if I can with drawl it early without penalty.
by macheta
Mon Sep 10, 2018 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Transfer Question
Replies: 23
Views: 2020

Re: Transfer Question

Regarding a Roth Ira, is a rollover considered earnings or contributions? Thanks
by macheta
Sat Sep 08, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 50
Views: 6873

Re: Cell phone tip: block callers

The robot callers use the same numbers about three or four times before switching numbers. I just started using truecaller app. The app keeps an updated spam number list. You will need to open the app every couple of days to see if the phone list has been updated. Also important to note any caller ...
by macheta
Sat Sep 08, 2018 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer Question
Replies: 23
Views: 2020

Transfer Question

Hi - Is it possible to do a yearly transfer from my after tax 401k to my roth IRA? I feel pretty comfortable with my savings right now for retirement. I would like to switch over to savings to retire early. They indicated I could not just pull out the roth 401k contributions according to my company ...
by macheta
Sun Jul 22, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 50
Views: 3445

Re: Where do you buy CPAP replacement parts?

It might not be true but I've purchased three over the last three years on ebay. No problems on my side. If they were all for your personal use, I can see a problem in that they should last much longer than a year. Mine last around a decade, or at least that’s how long it is before the machines are...
by macheta
Sun Jul 22, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 50
Views: 6873

Re: Cell phone tip: block callers

The robot callers use the same numbers about three or four times before switching numbers. I just started using truecaller app. The app keeps an updated spam number list. You will need to open the app every couple of days to see if the phone list has been updated. Also important to note any caller n...
by macheta
Sat Jul 21, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 50
Views: 3445

Re: Where do you buy CPAP replacement parts?

It might not be true but I've purchased three over the last three years on ebay. No problems on my side.
by macheta
Sat Jul 21, 2018 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Pension Lump Sum: Short-term bonds?
Replies: 37
Views: 2133

Re: Pension Lump Sum: Short-term bonds?

I'm in the same boat sort of. I'm getting ready to take a lump sum. What are your thoughts on investing in the following: "... VTAPX (inflation-protected short-term), GLD, VBIRX (short-term t-notes), VMLUX (muni national short-term), VFIDX (corp short/intermediate 6 yr avg), VTABX (world bond long)....
by macheta
Sat Jul 21, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 50
Views: 3445

Re: Where do you buy CPAP replacement parts?

CPAP.com. They often have discounts not advertised, and you have to call in and ask for the discount to be applied. They also have seasonal and quarterly 15% discounts or so. Don't need a prescription on file to order basic replacement parts, but if your doc faxes them a prescription, you can buy n...
by macheta
Sat Jul 21, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 50
Views: 3445

Re: Where do you buy CPAP replacement parts?

I started out buying on ebay and amazon. Now I just purchase from cpap.com. The only exception is the wipes. I purchase this from amazon. I buy the Pampers Natural Clean Unscented Water Baby Wipes 3X Refill Packs, 216 Count. Its the same thing as the CPAP wipes but you save a ton of money.
by macheta
Sun Jul 15, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: 14 years with Bogleheads
Replies: 13
Views: 2125

Re: 14 years with Bogleheads

great job! I wish I found this forum a lot sooner.
by macheta
Sat Jun 16, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Anyone familiar with smart home and home security? What to buy and how?
Replies: 5
Views: 795

Re: Anyone familiar with smart home and home security? What to buy and how?

I've used a similar security alarm service for the last four years. I really like it and it saved me a ton of money. If you go with the internet security system make sure you get backup power for your alarm and router/modem. The internet will still work when the power goes out.
by macheta
Mon May 14, 2018 1:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Arizona Chapter
Replies: 57
Views: 5959

Re: Arizona Chapter

I'm in!
by macheta
Sun Apr 22, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: Free Channels on Apple TV without Cable Subscription
Replies: 18
Views: 1665

Re: Free Channels on Apple TV without Cable Subscription

You can watch Bloomberg for free on the Fidelity Phone App. I don't have Apple TV as an option.
by macheta
Mon Apr 16, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 111153

Re: To take or not to take delivery of Tesla 3

I would have a hard time taking delivery with all of the pressure. The amount of pressure coming from shareholders about production seems kind of scary.
by macheta
Sun Apr 15, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 15
Views: 2352

Re: New HVAC system

I shopped around and found a small business owner that sold me off brand for half price. I love the investment and really happy with the results. I would also take the advise by the others and try get some more life out of the existing unit. My condo was built in 92 but the condenser was trashed. Th...
by macheta
Sat Mar 31, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off PMI or refinance or Appraisal
Replies: 19
Views: 1885

Re: Paying off PMI or refinance or Appraisal

With interest rates going up I would try to get out of the 5/5 loan. I'm not an expert though. Three years away to get rid of PMI is not bad. The variable or hidden cost to refinance and fix the house up would cause to many variables for removing three years of PMI payments. Plus you have to meet th...
by macheta
Sat Mar 31, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones
Replies: 26
Views: 4108

Re: Edward Jones

If you leave how will the ej adviser make his BMW payment?
by macheta
Sun Mar 25, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 132
Views: 21210

Re: My boneheaded financial mistakes

Not finding this website sooner.
by macheta
Sun Mar 25, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: New vs Used Camry vs Accord
Replies: 64
Views: 4730

Re: New vs Used Camry vs Accord

I bought my vehicle new in 2011 and also shooting for twenty years. If I had to do it again, I would buy the new toyota camry. This has the Toyota Safety Sense on all the models as standard feature. I think this would be important when making a decision on a new car.
by macheta
Sat Mar 24, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: $35/month for washer dryer rental?
Replies: 37
Views: 3467

Re: $35/month for washer dryer rental?

B4Xt3r wrote:
Sat Mar 24, 2018 1:30 pm

Or a used washer and dryer for 150 bucks. 1000 dollars to lease equipment for 3 years? Nope.
This is what I would have done while renting.
by macheta
Sat Mar 24, 2018 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help needed before I go mad :D
Replies: 53
Views: 5960

Re: Help needed before I go mad :D

A lot of people lost money last week. The market will be down next week based on the current premarket . Don't sell during this time and mitigate your exposure from individual equities by using mutual funds. Take the this as a lesson and learn from the mistakes. I have a hard head and tend to learn ...
by macheta
Sun Mar 11, 2018 5:56 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 41506

Re: [What UN-frugal thing do you do? What do you splurge on?]

My splurging is mostly on dining and sporting activity.
by macheta
Sun Mar 11, 2018 5:39 am
Forum: Investing - Help with Personal Investments
Topic: 25YR old with considerable amount of cash
Replies: 48
Views: 7060

Re: 25YR old with considerable amount of cash

I'm sorry for your loss. I would invest it and try to live off the interest. Keep the bills low and spend more time with my family instead of working.
by macheta
Sun Feb 18, 2018 9:17 pm
Forum: Investing - Theory, News & General
Topic: Switching to Gov't Bonds as you get closer to retirement?
Replies: 6
Views: 835

Re: Switching to Gov't Bonds as you get closer to retirement?

What I did is I compared the different bonds using historical data. What does the data look like and is it something I was looking for? Some bonds have more corporate vs government. Some of them do better hedging interest rates but overall returns are very low. Because I still have twenty two years ...
by macheta
Sat Feb 10, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Financially secure, horrible workplace but just can't FIRE
Replies: 55
Views: 8087

Re: Financially secure, horrible workplace but just can't FIRE

The only reason why I am staying in a horrible workplace is because the high pay / benefits outweigh the need of having job security. I plan to wait it out and save as much as possible. I plan to start a new career after getting laid off. Maybe horrible is a bad word to explain the situation. My cur...
by macheta
Sat Feb 03, 2018 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: What advice would you give yourself if you were 27 again?
Replies: 120
Views: 9305

Re: What advice would you give yourself if you were 27 again?

What advice would you give yourself if you were 27 again? Nice job investing consistently for nine years. I would maybe take more direction towards learning to be a leader and improve communication. There are many interpersonal situations I didn't do so well in my career. I was lacking key skills.
by macheta
Sat Feb 03, 2018 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: What advice would you give yourself if you were 27 again?
Replies: 120
Views: 9305

Re: What advice would you give yourself if you were 27 again?

Pajamas wrote:
Thu Feb 01, 2018 6:16 pm
Say "yes" more often.
Say no more often
by macheta
Mon Jan 29, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Home Alarm Systems
Replies: 16
Views: 1902

Re: Home Alarm Systems

Another point of information for LiveWatch (and presumably the other Alarm.com based systems) is that you can set up geofencing alerts. My wife invariably forgets to set the system nearly every weekday . . . and as soon as both of our phones our beyond a .5 or 1 mile perimeter of the house, we get ...
by macheta
Mon Jan 29, 2018 12:25 am
Forum: Personal Consumer Issues
Topic: Home Alarm Systems
Replies: 16
Views: 1902

Re: Home Alarm Systems

"..but I think the cell phone service is overkill. " What would you use if not cell phone? (cable(voip) and telephone wires are easily cut) :happy Alarm is only a deterrent. If I was going to rob your house and new about the internet setup, I probably would know also about the cell phone setup and ...
by macheta
Sun Jan 28, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: Home Alarm Systems
Replies: 16
Views: 1902

Re: Home Alarm Systems

One additional point, I recommend setting up VOIP phone service. Setup backup power for the modem, router, and VOIP device as well.
by macheta
Sun Jan 28, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: Home Alarm Systems
Replies: 16
Views: 1902

Re: Home Alarm Systems

I would hire a small business owner to install the alarm. And I would have AlarmRelay monitor it for you at 10 per month. I would recommend getting a glass break sensor, and smoke/heat detector connected to the system. I recommend getting a backup power system but I think the cell phone service is o...
by macheta
Mon Jan 15, 2018 11:29 pm
Forum: Personal Consumer Issues
Topic: best flooring for a basement wood shop?
Replies: 27
Views: 1960

Re: best flooring for a basement wood shop?

Bamboo flooring
by macheta
Sun Jan 14, 2018 11:22 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 47041

Re: What frugal thing did you do today?

I did away with a land line years ago. . I would get rid of cable all together if it weren’t for the phone and internet. I have a family plan through my employer at $10/mo on the cell phones and still have the kids on it...and their in their 30’s. (Yes, they do reimburse me for the monthly). We don...
by macheta
Sun Jan 14, 2018 10:43 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 47041

Re: What frugal thing did you do today?

i cancelled my monthly yoga. I can do it at the gym instead.
by macheta
Sat Jan 13, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 1758

Re: Storing Important Documents Online

I encrypted my files before upload. The idea of having a backup files in the cloud being able to access it from different computers is better than playing it safe. How you manage your information is important. For me the probability of someone hacking the encrypted Microsoft cloud seemed low. The pr...
by macheta
Fri Jan 05, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 47041

Re: What frugal thing did you do today?

We got a motion sensor for the bathroom. prior, we had a lamp on all the time.
by macheta
Sat Dec 02, 2017 4:57 pm
Forum: Investing - Theory, News & General
Topic: Amount You Need To Save Annually Over Lifespan
Replies: 80
Views: 10551

Re: Amount You Need To Save Annually Over Lifespan

I'm not sure I need two million or four million. My biggest concern is the inflated cost of medical. I am budgeting $21,108 per year in tomorrows inflated view for medical or $6500 in todays view . This estimate takes into consideration estimate of Medicare Parts A, B, and D, a Medigap policy, and a...
by macheta
Sat Dec 02, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: How do I convince my employees to invest more?
Replies: 92
Views: 6236

Re: How do I convince my employees to invest more?

I would maybe recommend sending out an informative email about the retirement plan. I would recommend trying to keep it short and concise.
by macheta
Sun Nov 26, 2017 11:52 pm
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 11149

Re: What did you do right?

1) started investing eight percent of my income when I was eighteen with matching contributions from the Corp. (20 yrs ago)
2) started reading and learning on this forum in 2012