Search found 141 matches

by AllMostThere
Mon Apr 02, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Asking for a raise/promotion with another offer in hand
Replies: 103
Views: 9553

Re: Asking for a raise/promotion with another offer in hand

I would agree with others, do not take the offer to current employer. Take the new job and the pay increase. Even if current employer offers mo money, do not take it. It's time to leave. DO NOT burn any bridges, just state that you are looking for additional growth opportunities and new employer is ...
by AllMostThere
Mon Apr 02, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 74
Views: 9515

Re: Tires: Where to Get? Warranty? And Questions?

While a Costco member, I gave up on them for tire purchases. My last set of tires for my DW Traverse was +$800! Two weeks ago I needed new tires for my DD Kia Soul. Costco tires tend to be higher end, and nothing happens quick with Costco tires; +4 hour drop off for install then 1-2 hour wait for re...
by AllMostThere
Mon Apr 02, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: $20,000 book - what to do with it
Replies: 34
Views: 7090

Re: $20,000 book - what to do with it

Your uncle gave this book to you for a reason. Enjoy the fruit of this gift. I vote - SOLD! Do something nice for yourself, then if inclined, pay it forward in another way to another family member. Basically, if worried about Karma, keep any monetary gains in the family for future generation and let...
by AllMostThere
Fri Mar 23, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: Infrared Sauna at home
Replies: 21
Views: 4719

Re: Infrared Sauna at home

I have a burning [smile] question about Infrared saunas. In January, I spent two weeks at a Czech wellness spa where I sampled a variety of treatments, including an infrared (IR) sauna. I quite liked it and upon returning home, I looked up availability of IR saunas in my area. The most economical o...
by AllMostThere
Sun Mar 18, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor and mega-backdoor Roth earning, HELP!
Replies: 6
Views: 1052

Re: Backdoor and mega-backdoor Roth earning, HELP!

Deleted - my response didn't apply to current issue
by AllMostThere
Wed Mar 14, 2018 5:41 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 174271

Re: What frugal thing did you do today?

I am an Amazon Prime member. Benefit is 2-day free shipping, which I only use if needed in a rush. Otherwise, I opt for regular free shipping (5-7 days) and receive a $1 credit towards future video rental stream. Let the credit accumulate ~ $5 and get a free rental every month or so. Interesting to ...
by AllMostThere
Sat Mar 10, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 74
Views: 9515

Re: Tires: Where to Get? Warranty? And Questions?

This is a great question, thank's for posting as I am currently in same inquiry mode. I have been buying my tires from Costco without worry or concern for many years. Their prices have been fair, but I have never had to make a warranty claim. As I recently have added a new 16 yr driver with an econo...
by AllMostThere
Sat Mar 10, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: Large cutting board recommendations
Replies: 12
Views: 2170

Re: Large cutting board recommendations

I also recommend the Michigan Maple Blocks (MMB) available from Amazon. Five years ago my wife purchased me a beast of a MMB block 18" x 18" x 3 1/2" thick. This is a beautiful focal piece of our new kitchen, always out on the island counter and used every day. I will caution that this beast is more...
by AllMostThere
Sun Feb 11, 2018 6:26 pm
Forum: Personal Investments
Topic: Should I rollover my Traditional IRA into my 401k so I can make backdoor Roth contributions?
Replies: 16
Views: 2132

Re: Should I rollover my Traditional IRA into my 401k so I can make backdoor Roth contributions?

Yes, Yes, Yes. Roll the tIRA (not sure where it is located) into your 401K and get started with a Back Door Roth process. Open both your tIRA and Roth IRA at Fidelity. When both are located at Fidelity, you can do all the actions on-line with a couple mouse clicks over several days. 1) Link your tI...
by AllMostThere
Sun Jan 21, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Discussing a 529 with your kids
Replies: 79
Views: 6572

Re: Discussing a 529 with your kids

We saved our money ( relatively high salaries) and lbym for 2 reasons: 1) retirement 2) education When our kids were in high school we told them they could go to whatever college they wanted. No loans necessary. And my daughter said “Oh so that’s why we almost never go on vacation and our house is ...
by AllMostThere
Sun Jan 21, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Discussing a 529 with your kids
Replies: 79
Views: 6572

Re: Discussing a 529 with your kids

What does this have anything to do with it affecting the kid's choices. It is money under YOUR control (yes the ONLY situation in the IRS where a completed gift is still under full control of the giftee). Just tell them what your expectations are and that you will only support payment if under x co...
by AllMostThere
Wed Jan 17, 2018 6:08 am
Forum: Investing - Theory, News & General
Topic: Morningstar Premium for $99
Replies: 46
Views: 13744

Re: Morningstar Premium for $99

I get free online access through pulic library website!! Thanks to you and MadDawg for this little tip. Investigated and discovered my library offers same. I plan to do a little experimentation with this interesting tool. Really interested in the X-Ray tool. Does the forum know if there's a method ...
by AllMostThere
Wed Jan 03, 2018 10:03 am
Forum: Personal Investments
Topic: Thinking we are close to winning the game
Replies: 40
Views: 8138

Re: Thinking we are close to winning the game

Thank you to all that have provided some excellent thought provoking feedback. In response, below are some actions that I will be taking this month with my annual re-balancing actions: • Overall, I will reduce my total number of funds in an effort to simplify. ◦ I still like the tilt with Small Caps...
by AllMostThere
Sun Dec 31, 2017 11:34 pm
Forum: Personal Consumer Issues
Topic: residential gas furnace/air conditioner recommendations
Replies: 15
Views: 1515

Re: residential gas furnace/air conditioner recommendations

Need to replace an aging natural gas furnace and air conditioner combination sometime this coming year. Kind of thinking about Carrier, Bryant, or Lennox, however I am open to others as well. Anyone have any ideas on good brands or bad brands, please share your thoughts. Thanks much..it can get qui...
by AllMostThere
Wed Dec 27, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Time to buy a new phone?
Replies: 29
Views: 2483

Re: Time to buy a new phone?

Both of my kids are still rocking iPhone 4S. I just replaced batteries on both found on eBay for $5 each. The $5 even included the needed tiny Torx head screw driver. Took maybe 15 minutes on 1st one and then <5 minutes for 2nd phone. Worth doing some google and youtube searches for your phone. It m...
by AllMostThere
Sat Dec 23, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: What is a good degree or certification to get after college that employers like?
Replies: 11
Views: 1798

Re: What is a good degree or certification to get after college that employers like?

I think you'd want to narrow down what YOU'd like to do. If you don't like math, you would not want to go into engineering or computer science. If you faint just being in a doctor's office (I do), you probably don't want to go to medical school. I know engineers who have gone into management roles ...
by AllMostThere
Wed Dec 20, 2017 9:50 am
Forum: Personal Investments
Topic: mega backdoor help needed
Replies: 7
Views: 1051

Re: mega backdoor help needed

The assumption is that you have $0 in a current or new tIRA (total of all tIRA balances). Another strategy that I use, is to use in service distribution of the 401K after tax contributions to the Roth IRA and the after tax gains to the tIRA. Then roll the tIRA back into the 401K. Rinse and repeat th...
by AllMostThere
Thu Dec 14, 2017 5:42 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 393
Views: 78359

Re: Retirement Account Stolen by Identity theft

So, all's well that ends well. The money is back in the account, there is no indication from Transamerica as to who the thief was, and after the New Year I will be transferring the account to Vanguard. Thanks again for all your help and support. Great news. Your determination and Pit Bull stance wi...
by AllMostThere
Wed Dec 13, 2017 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 155
Views: 14788

Re: How much did you contribute to your 401k in 2017?

DD: $24K Pretax, $4.5K Employer, $8K after-tax (Mega Back Door Roth IRA), Age: 52
DW: $24K Pretax, $8K Employer, $8K after-tax (Mega Back Door Roth IRA), Age: 54
We both also do Back Door Roth for $13K total :sharebeer
by AllMostThere
Wed Dec 13, 2017 6:11 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 80721

Re: Fidelity free Turbotax

1st time user of TurboTax last year, thanks to Free offer from Fidelity. Has anyone received Free TT offer from Fidelity yet? It's getting close to end of year and all has been silent, so I am concerned that they may not be offering this year other than a $20 discount......
by AllMostThere
Wed Dec 06, 2017 6:52 am
Forum: Personal Consumer Issues
Topic: $450 Rebate on $1079 hot water heater with heatpump
Replies: 6
Views: 1407

Re: $450 Rebate on $1079 hot water heater with heatpump

Sorry to post yet another hot water heater thread... but I wanted to share that the local electric company has a $450 rebate on heatpump hot water heaters. Using 10% coupon from ebay at lowes, and buying $100 gift cards for $90 makes the deal even sweeter. I assume that I can also claim a 30%? disc...
by AllMostThere
Sun Nov 12, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Use or Lose $850 from Limited Expense FSA
Replies: 36
Views: 2906

Re: Use or Lose $850 from Limited Expense FSA

OP, as others have pointed out and you now have a lesson learned - Only include known future expenses in your allocation. :twisted: My DW has a limited use FSA and I believe she can carryover $500 into next year. May want to check your summary plan description if this is a possibility. If so, carryo...
by AllMostThere
Fri Nov 03, 2017 4:48 am
Forum: Personal Consumer Issues
Topic: $500 Windows Laptop
Replies: 43
Views: 5719

Re: $500 Windows Laptop

I would agree with others that $500 for a refurbished unit is excessive. If you can wait until Black Friday, there will be multiple retailers with some doorbuster laptops. If I recall, last year there where several offering Chromebooks for <$100. If you desire a little more power punch then you may ...
by AllMostThere
Sat Oct 28, 2017 5:53 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA for children
Replies: 38
Views: 5661

Re: Roth IRA for children

This subject has been addressed on numerous occasions, and every time I am either lacking understanding of the process or there is vagueness in the responses (thinking the latter, :happy ). I have two kids aged 15 & 11 who I would like to kick start in life with Roth IRA contributions. Neither has a...
by AllMostThere
Sat Oct 28, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 78
Views: 13222

Re: Fidelity Rewards Visa Card

DW & I have been using the 2% Fidelity card for over 15 years. The reward amounts have been going into a Fidelity 529 for our DD on a regular basis. To date, this 529 account has a balance in excess of $26K! :moneybag By the time DD is ready for college in 2020, this 529 account should be able to pa...
by AllMostThere
Mon Oct 16, 2017 7:23 pm
Forum: Personal Investments
Topic: Thinking we are close to winning the game
Replies: 40
Views: 8138

Re: Thinking we are close to winning the game

Thanks KlangFool. Fed marginal rate is 28%. As you and several others have pointed out, I really need to get a handle on my annual expenses. I'll work on yet another tracking spreadsheet in an effort to truly measure. Hopefully, I'm not too shocked. AllMostThere, You do not need a spreadsheet. Tell...
by AllMostThere
Mon Oct 16, 2017 7:18 pm
Forum: Personal Investments
Topic: Thinking we are close to winning the game
Replies: 40
Views: 8138

Re: Thinking we are close to winning the game

I think you should be cautious because you don't have a good idea of your current spending, much less your future spending. Plus you have large but inexactly known education expenses upcoming and it is a full six years or more before your youngest starts. You need to take a hard look at your spendi...
by AllMostThere
Mon Oct 16, 2017 6:55 pm
Forum: Personal Investments
Topic: Thinking we are close to winning the game
Replies: 40
Views: 8138

Re: Thinking we are close to winning the game

Thanks KlangFool. Fed marginal rate is 28%. As you and several others have pointed out, I really need to get a handle on my annual expenses. I'll work on yet another tracking spreadsheet in an effort to truly measure. Hopefully, I'm not too shocked. AllMostThere, You do not need a spreadsheet. Tell...
by AllMostThere
Mon Oct 16, 2017 5:05 am
Forum: Personal Investments
Topic: Thinking we are close to winning the game
Replies: 40
Views: 8138

Re: Thinking we are close to winning the game

Expenses: $70K estimated, but need to confirm with better tracking of spending. Could actually be lower and I find it hard to believe we are spending nearly $6K per month. Tax Rate: 18% Effective Federal Rate, 6% State Rate AllMostThere, You can do a quick and simple sanity check on your annual exp...
by AllMostThere
Mon Oct 16, 2017 4:59 am
Forum: Personal Investments
Topic: Thinking we are close to winning the game
Replies: 40
Views: 8138

Re: Thinking we are close to winning the game

That $5,000/month in SS will be cut in half if (when) one of you dies. Do you have life insurance against the possibility of that happening early in retirement, which is when it is the most hazardous to the standard of living of the survivor? 30-year term should be pretty cheap at your (relatively)...
by AllMostThere
Mon Oct 16, 2017 4:54 am
Forum: Personal Investments
Topic: Thinking we are close to winning the game
Replies: 40
Views: 8138

Re: Thinking we are close to winning the game

Some comments: o Do you want so much in REIT? o I think you have too many funds. You don't need to replicate the entire US stock/intl/bond/REIT holdings in every account. o Treat the entire portfolio as a whole and put each asset in the best location. o For example, I would concentrate on putting b...
by AllMostThere
Sun Oct 15, 2017 8:08 pm
Forum: Personal Investments
Topic: Thinking we are close to winning the game
Replies: 40
Views: 8138

Thinking we are close to winning the game

Hello Fellow BH’s, I’ve posted a couple of times over the last year, but questions were light weight compared to this one. Since discovering BH group several years ago DW and I have really embraced the methodology of low cost index investing. As DW and I are from modest backgrounds, we have always L...
by AllMostThere
Mon Jul 24, 2017 5:56 am
Forum: Personal Consumer Issues
Topic: Home Security System with/without monitoring
Replies: 40
Views: 7619

Re: Home Security System with/without monitoring

I too have been thinking about a HSS. SimpliSafe seems intriguing, mostly for the DIY aspect. For those who have SS, how does the system perform without subscription to home monitoring? Can you still use the app and view cameras, etc.? Website says that subscription is not required, but I have not s...
by AllMostThere
Fri Jul 21, 2017 6:48 am
Forum: Personal Investments
Topic: Michigan 529 Question - Invest & Withdrawl
Replies: 6
Views: 981

Re: Michigan 529 Question - Invest & Withdrawl

Thanks all for the responses. Still a little uncertainty, but it appears that answer is " Yes ". As long as I make the withdrawl from DD account (acct 1) for only her college expenses, then I can still deposit into DS account (acct 2) and still get the Michigan deduction up to the $10K limit. Once D...
by AllMostThere
Tue Jul 18, 2017 2:39 pm
Forum: Personal Investments
Topic: Michigan 529 Question - Invest & Withdrawl
Replies: 6
Views: 981

Michigan 529 Question - Invest & Withdrawl

Hi All, I currently utilize the Michigan 529 (misaves), invested with TIAA. This TIAA 529 has done very well for my DD (college ready in 2020) and DS (college ready in 2024). I currently invest $10K annually split between the two children 529 accounts and take the full $10K max deduction from my Mic...
by AllMostThere
Sun Jun 04, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: New laptop needed, any ideas?
Replies: 24
Views: 2846

Re: New laptop needed, any ideas?

You may want to check out Dell Outlet. I recently purchased an 11 inch Inspiron 11 - 3000 Series Laptop for $249 + tax. Using eBates.com, I was also able to get 10% back ($25 Bucks!). Pretty decent little laptop as it's considered a 2-in-1 device, so you can rotate the screen around on itself and us...
by AllMostThere
Thu Apr 20, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Dedicating your bonus to something
Replies: 30
Views: 4126

Re: Dedicating your bonus to something

Yes, I would agree that it's best to proceed as if bonus would not happen and LBYM. I have been doing this for past ten years, so bonus (20% of annual pay) is fully dedicated to a financial purpose rather than increase in lifestyle. After 401k & taxes are withheld it's usually only ~ 60% take home. ...
by AllMostThere
Wed Feb 15, 2017 5:52 am
Forum: Personal Consumer Issues
Topic: I want to ditch the cable company's modem
Replies: 51
Views: 5970

Re: I want to ditch the cable company's modem

Agree, why waste the money with rental. Purchasing your own modem will have payback in 5-12 months, then it becomes the gift that keeps giving every month. I recently did exactly this myself when I changed internet service from ATT Uverse to WoW. I purchased the Arris SB6183 (cost ~ $99) and the com...
by AllMostThere
Mon Jan 02, 2017 8:13 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 360
Views: 57590

Re: Whats your number to walk away?

Age: DH – 51, DW – 53 Debt: $0, house is paid off 8-) Area: Mid-COL Walk-away Number: $2.5M. $700K left to go, so thinking maybe another 3-5 years Risks/Concerns that may drive OMY syndrome prior to ER: + What will be cost direction of health insurance prior to Medicare? + Cost of college education ...
by AllMostThere
Sun Jan 01, 2017 5:57 pm
Forum: Personal Investments
Topic: Small Balance Left in tIRA after Conversion to Roth IRA
Replies: 3
Views: 726

Re: Small Balance Left in tIRA after Conversion to Roth IRA

Thanks retiredjg. You were able to confirm my hopes. I will sleep better now. Happy New Year and Cheers. :sharebeer
by AllMostThere
Sat Dec 31, 2016 2:39 pm
Forum: Personal Investments
Topic: Small Balance Left in tIRA after Conversion to Roth IRA
Replies: 3
Views: 726

Small Balance Left in tIRA after Conversion to Roth IRA

Hi all. I have been lurking in this forum for past couple of years using the wealth of member knowledge to properly plan & align my and DW’s AA (60/40) with low cost funds at Fidelity. I am 51 and DW is 53. If all goes even remotely well, we will be at ~ 25x expenses within next 3-5 years (I plan to...