Search found 141 matches

by AllMostThere
Sun Jul 21, 2019 6:53 am
Forum: Personal Investments
Topic: Etrade denies promotion on $1 mil new account
Replies: 65
Views: 8040

Re: Etrade denies promotion on $1 mil new account

I am of same thoughts as OP. "Never, Never, not Ever" click on link embedded in an email. Being this was an investment account, makes it even more important. Perhaps, give E*Trade one last chance to make things right, via promotion fulfillment. Try talking to someone in Sr. Leadership role. If no su...
by AllMostThere
Sun Jul 21, 2019 6:02 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4897
Views: 937055

Re: What's Your Credit Card Rewards Strategy?

Heads up... Citi is ending Price Rewind on Sept 22nd. That used to be one key benefit of the Citi Doublecash over the Fidelity Visa https://www.doctorofcredit.com/citi-to-end-price-rewind-program-on-september-22nd-2019/ It's not just the Price Rewind feature. Citi is also ending their Trip Cancella...
by AllMostThere
Tue Jun 04, 2019 5:36 am
Forum: Personal Consumer Issues
Topic: New refrigerator noise is driving us nuts
Replies: 32
Views: 2793

Re: New refrigerator noise is driving us nuts

We refurbished with an LG fridge and range. Both are junk. Wife and I are now avoiding LG products. I would voice the same for Bosch Frig and Mirco. Both have had numerous failures in first 3 years of ownership. Luckily, I purchased and extend warranty for Frig, so $2.5K in repairs were covered (No...
by AllMostThere
Tue May 07, 2019 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with variable bonus?
Replies: 24
Views: 2025

Re: What do you do with variable bonus?

My annual bonus varies, but has averaged ~ 20% for past ten years. I have done exactly the same thing with this bonus in these steps: 1) temp increase in my 401K contributions for ~ 1/3rd of total. 2) 1/3rd towards mortgage. 3) 1/3rd split equally between DD & DS 529 accounts. This strategy has work...
by AllMostThere
Thu Mar 21, 2019 4:51 am
Forum: Personal Consumer Issues
Topic: OBD GPS tracker for new teen driver
Replies: 20
Views: 1605

Re: OBD GPS tracker for new teen driver

For my DD's car, we use the Automatic PRO AUT-350 purchased from Amazon in Feb 2018 for ~ $110. Looks like Amazon is not selling direct anymore, so may need to perform some Google activity or purchase directly from Manufacturer. I also purchased an ODBII extension cable to mount the unit directly up...
by AllMostThere
Wed Mar 20, 2019 5:21 am
Forum: Personal Investments
Topic: My fee's are too [darn] high!
Replies: 32
Views: 4750

Re: My fee's are too [darn] high!

Wow! +30 holdings in a taxable account. Perfect example of a "FA" providing "value" via over-complication of an asset allocation. Nothing like a false sense of complexity to justify the 1.35% AUM. Again, Wow! Run, run fast and far.
by AllMostThere
Sat Mar 09, 2019 8:12 pm
Forum: Personal Consumer Issues
Topic: Garbage Disposal: So many choices out there. How do you decide which one?
Replies: 54
Views: 4530

Re: Garbage Disposal: So many choices out there. How do you decide which one?

A few years ago the disposal (brand new) by the builder died in a couple of years. At the time I did some research and concluded this one was the way to go. It's 1 HP and it was day and night performance from the original 1/2 HP disposal. Waste King Legend 8000 (garbage disposer) Model# 1E3-14889-5...
by AllMostThere
Thu Mar 07, 2019 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Best deals on monthly/recurring cost items - what your best deal?
Replies: 13
Views: 1924

Re: Best deals on monthly/recurring cost items - what your best deal?

Hulu w/Ads Streaming - $0.99 / mo Black Friday deal. Went thru popular cash back link and got $10 back. Total 12 month cost is $2! :sharebeer We too got the Black Friday deal - which I felt good about - but here again - we paid the full rate Black Friday rate of $12/year - can you explain how you g...
by AllMostThere
Wed Mar 06, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Best deals on monthly/recurring cost items - what your best deal?
Replies: 13
Views: 1924

Re: Best deals on monthly/recurring cost items - what your best deal?

Hulu w/Ads Streaming - $0.99 / mo Black Friday deal. Went thru popular cash back link and got $10 back. Total 12 month cost is $2! :sharebeer
I have actually been pretty pleased with the service by watching it much more than I thought. Noooooo! :oops:
by AllMostThere
Wed Feb 27, 2019 7:28 pm
Forum: Investing - Theory, News & General
Topic: Mega Backdoor Roth Mechanics Question
Replies: 17
Views: 1616

Re: Mega Backdoor Roth Mechanics Question

Pro-rata shouldn't apply unless you are also doing Backdoor Roth contribution. If this is the case, then just roll the tIRA full balance back into your 401K. :beer
by AllMostThere
Mon Feb 11, 2019 8:17 am
Forum: Personal Investments
Topic: Portfolio Checkup + MegaBackdoor Roth?
Replies: 5
Views: 696

Re: Portfolio Checkup + MegaBackdoor Roth?

MegaBackDoor is a great savings tool. Just make sure you investigate if your 401K provider charges a fee to process the request. Fees will limit your frequency of "in-service" distributions. DW & me each get tagged for $20 fee, so we only make the request when we hit a $$ dollar threshold. Again, gr...
by AllMostThere
Sun Feb 10, 2019 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-R and Mega Backdoor Issue using TurboTax
Replies: 3
Views: 616

Re: 1099-R and Mega Backdoor Issue using TurboTax

Try splitting the 1099-R into two. One for the earnings rolled over to traditional, with the earnings in box 1 and no basis in box 5. The second for the after-tax amount in box 1 and box 5. Answer the questions separately for each 1099-R. Thanks tfb. Your post makes sense and got me pointed in righ...
by AllMostThere
Sun Feb 10, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-R and Mega Backdoor Issue using TurboTax
Replies: 3
Views: 616

1099-R and Mega Backdoor Issue using TurboTax

As done in prior years, I initiated an "in-service" distribution of my aftertax contributions from my 401K. The aftertax contributions went to my Roth IRA, and the growth of $398 went to my tIRA. Also, similar to prior years, the 1099-R shows in Box 1 - Gross Amt (AT + Growth), Box 2a - $0, Box 5 - ...
by AllMostThere
Sun Feb 10, 2019 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Stolen Credit Card Number
Replies: 19
Views: 1901

Re: Stolen Credit Card Number

I'm more than a bit confused here. People are talking about using virtual numbers. The OP has a Costco Citi Visa card, as do I. As far as I can tell, virtual numbers are not available for Costco Visa. I use virtual numbers with my CapitalOne card. I really wish all credit card companies had that fe...
by AllMostThere
Mon Jan 28, 2019 6:14 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5899
Views: 1394237

Re: Movie Polar on Netflix

Was Polar Oscar worthy? No, but it was entertaining. It is down of the road of John Wick type genre with lots action and violence. While I wouldn't pay for this type of movie at a theater I will watch and enjoy in the privacy of my own home on Netflix. I will give it a thumbs up! Remember it is what...
by AllMostThere
Tue Jan 22, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 80737

Re: Fidelity free Turbotax

Having not seen the link for Free TurboTax (only discount links) on my login landing screen, I finally messaged my assigned Fidelity Financial Consultant. Below is his response: "Thanks for your inquiry into Turbo Tax. Fidelity has updated the qualifications to receive the free version of Turbo Tax ...
by AllMostThere
Mon Jan 21, 2019 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Questions about Fidelity
Replies: 21
Views: 2019

Re: Questions about Fidelity

Op, as others have stated - You should not be using the debit card for transactions. The consumer protections are a fraction of those provided with a regular CC. While probable that Fidelity would eventually make you whole, if this debit card was ever compromised with fraud activity, it could take w...
by AllMostThere
Wed Jan 16, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 19844

Re: Are You Dumping Netflix?

They spent something like $13B in content last year and plan to spend more this year. The money has to come from somewhere. Last I looked they still had a negative cash flow (so its not like they are ripping off the folks who think this increase is outrageous). As investors in NetFlix (which all Bo...
by AllMostThere
Sun Jan 06, 2019 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 271
Views: 25668

Re: $40,000 in debt, bankruptcy seems to be the best option right now

You have an income and/or spending and potentially communication problem. Communication: "Wife's bills = $365" of which you clarified $70 is cell phone is a problem. If both of you are living on your income, and both of you are counting on your wife to care for the kids during the day, all the inco...
by AllMostThere
Mon Dec 31, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 80737

Re: Fidelity free Turbotax

I am still waiting for the link. For last two years, I had the free Turbo Tax in my account. So far no sign of it. I guess I will wait another week. I do not do any trading and do have both personal and employee accounts at Fidelity. Is Fidelity still doing this in batches? Anybody else still waiti...
by AllMostThere
Wed Dec 26, 2018 5:57 pm
Forum: Personal Investments
Topic: 401K Contribution Amount
Replies: 24
Views: 1500

Re: 401K Contribution Amount

Keep trying. I convinced my company to adopt a low cost plan with mega backdoor Roth provisions, or at least I like to think it was me. Maybe it's a coincidence that they did everything I asked for. Of course, some employees still think it's terrible because the market dropped. While trapped in a h...
by AllMostThere
Wed Dec 26, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to report my child's income ($1600)?
Replies: 31
Views: 3167

Re: Do I need to report my child's income ($1600)?

Have you funded a ROTH IRA for him yet? Now that he has income, you can contribute FOR him. No better way to pass a legacy than kick-start for the future. :moneybag :beer
by AllMostThere
Sat Dec 01, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Finance only laptop? Can I use an old one?
Replies: 39
Views: 3994

Re: Finance only laptop? Can I use an old one?

Interesting perspectives on the WIFI snooping. That's the first I have heard of this potential vulnerability. Any links that give additional insight? Luckily, my little Mini 9 has Ethernet port, so i can use both. :happy
by AllMostThere
Sat Dec 01, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: Finance only laptop? Can I use an old one?
Replies: 39
Views: 3994

Re: Finance only laptop? Can I use an old one?

Rather than start new thread, I resurrected this 6 month old post. Recently I have been listening to Clark Howard Podcasts, and ole' Clark is a huge proponent of a "Financial Chromebook" (FC). With used Chromebooks ~ $80 and new ones can be had for $99 during Christmas season I've been seriously thi...
by AllMostThere
Mon Nov 19, 2018 6:54 am
Forum: Personal Investments
Topic: Backdoor Roth rolling Trad IRA to 401K To Unblock
Replies: 4
Views: 428

Re: Backdoor Roth rolling Trad IRA to 401K To Unblock

Yes, most definitely. Assuming it's allowed, roll all your tIRA's back into you 401k. With $0 tIRA balance you will be strategically set up for BOTH Backdoor Roth IRA and Mega Backdoor Roth IRA (again, assuming your 401k allows in-service withdrawals). If pursuing this route, be sure to inform you t...
by AllMostThere
Tue Nov 13, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Would you invest CC cashback into market??
Replies: 32
Views: 1765

Re: Would you invest CC cashback into market??

DW & I do it every month with our Fidelity 2% cashback cards. Both go directly into my DD's Fidelity 529. +$30k growth over past 15 years.
:moneybag :sharebeer
by AllMostThere
Fri Nov 02, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: HSA & LP-FSA & DC-FSA?
Replies: 2
Views: 288

Re: HSA & LP-FSA & DC-FSA?

Yes, you can. Been using those three for several years now. The Limited Purpose FSA has been great for both my DD & DS who have Orthodontia. I just have the Orthodontist project the future year costs and we then make the benefit election in November. Pay full amount in January and get reimbursed sam...
by AllMostThere
Wed Oct 31, 2018 5:57 am
Forum: Personal Finance (Not Investing)
Topic: Which Account for RMD?
Replies: 5
Views: 638

Re: Which Account for RMD?

Agree, use your RMD to rebalance.
by AllMostThere
Wed Oct 31, 2018 5:53 am
Forum: Personal Investments
Topic: Backdoor Roth - did I mess this up?
Replies: 17
Views: 1051

Re: Backdoor Roth - did I mess this up?

Key is to have zero tIRA balance by end of CY2018. If left in current state with no additional actions, they YES , this is screwed up and you will owe taxes on prorata amounts. There is still time to correct. Assuming you have a 401k with current employer, see if you can roll the tIRA into your curr...
by AllMostThere
Sun Oct 21, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 32
Views: 3043

Re: Do I need laptop software?

Look at LibreOffice. It's a totally free suite of office products that IMO mirror MS Office with same functionality. I've been using it of years without issue. Go to https://www.libreoffice.org/
by AllMostThere
Wed Oct 17, 2018 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor Roth Mechanics
Replies: 44
Views: 6970

Re: Mega Backdoor Roth Mechanics

Although it isn't intuitively obvious, Fidelity maintains a separate "account" in your 401k for just the after-tax contributions. For example, suppose you have $100K in your 401k which is made up of pretax contributions and their earnings. You recently started after-tax contributions and let them b...
by AllMostThere
Fri Oct 12, 2018 1:32 pm
Forum: Personal Investments
Topic: Help with 401K Allocation
Replies: 6
Views: 411

Re: Help with 401K Allocation

I echo chevca's advice. These 4 funds all have excellent ER's and fit the bill for three fund portfolio. 60/40 split is very reasonable.
by AllMostThere
Fri Oct 05, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: W4 for teenager
Replies: 13
Views: 13074

Re: W4 for teenager

Resurrected this old question with 2018 assumptions. With the new tax reform for 2018, can 16 yr old still still claim "exempt" on W4 for tax withholdings? My 16 yr old DD just started very part time job with minimum wage, so her earnings will be low ($2K - $5K per year). If exempt and no withholdin...
by AllMostThere
Fri Sep 28, 2018 7:11 am
Forum: Personal Investments
Topic: Should we pay off $90K mortgage with idle cash or not?
Replies: 46
Views: 6351

Re: Should we pay off $90K mortgage with idle cash or not?

While your mortgage interest rate is low, I am in the boat of "Yes" pay off your mortgage! The financial data is compelling to not payoff and invest instead. What is missing is the psychological component of the equation. DW & my first hand experience is that being mortgage debt-free is freeing to t...
by AllMostThere
Sat Sep 08, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 11319

Re: Can Sneakers go with Business Casual?

get_g0ing wrote: Sat Sep 08, 2018 11:50 am Image
Image
JUST DO IT! :twisted:
by AllMostThere
Sun Sep 02, 2018 8:35 am
Forum: Personal Investments
Topic: Fully maxed out
Replies: 70
Views: 8943

Re: Fully maxed out

18.5k 401k x2 Yes, x2 Max 401k ~ $37K Employer contributions, x2 401K ~ $12K Extra catch-up contributions 5k/yr x2 Yes, x2 catch-up 401k ~ $12K Mega Backdoor Roth x2 Yes, x2 Mega Backdoor Roth ~ $15K Backdoor Roth 5.5k x2 Yes, x2 Backdoor Roth ~ $11K IRA catch-up contributions (1k?) x2 Yes, x2 IRA ...
by AllMostThere
Sat Aug 25, 2018 6:11 pm
Forum: Personal Investments
Topic: Best Fidelity or ishares ETF for Roth IRA
Replies: 13
Views: 2139

Re: Best Fidelity or ishares ETF for Roth IRA

I used iShares ITOT (CORE S&P TOTAL US STOCK MARKET) for both of my minor children with Fidelity. Expense is low ~ 0.03%. I've been please with the ease of purchase the performance since purchase. I just recently purchased the new Fidelity Zero International for the few bucks that couldn't purchase ...
by AllMostThere
Sun Aug 19, 2018 5:56 pm
Forum: Personal Investments
Topic: Advice Request: Considering removing advisor from IRA
Replies: 19
Views: 2215

Re: Advice Request: Considering removing advisor from IRA

Yep absolutely, the .7% seems small-ish (it translates to about $8400 a year) but the market is up. So yes I am also wondering what they are really doing to help me as it seems its been "most boats are rising" so I can't help but be benefiting from that. I will ask them what their for fee hourly ra...
by AllMostThere
Tue Jul 17, 2018 4:33 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 11433

Re: Amazon Prime Day 2018

Yawn... I don't see the hype but then didn't last year either. I have no clue what deal people got on tablets as they seem fully priced. Totally agree. Web site issues combined with poor pricing on stuff I don't want seems to be the norm here today. Not that I keep Prime for this day, it does make ...
by AllMostThere
Fri Jun 29, 2018 6:22 am
Forum: Personal Investments
Topic: Frequency of Mega Backdoor IRA Transfers
Replies: 15
Views: 1507

Re: Frequency of Mega Backdoor IRA Transfers

I too have 401K at Fidelity with my Mega Corp and the $20 fee also applies for in-service withdrawals used for Mega Backdoor process. Earl brings up valid point that the withdrawal occurs in two parts - 1) Aftertax amount; 2) Gains associated to the Aftertax amount. Due to the $20 fee, I set myself ...
by AllMostThere
Mon Jun 11, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: Chipmunk Repellent?
Replies: 36
Views: 3452

Re: Chipmunk Repellent?

JoeRetire, I was thinking of asking this same question. I would agree that the Chipmunk population seems to have exploded, particularly around my house. Prior years it was cute to see one on a random basis, but the cuteness has worn off as they are now being destructive and are now a nuisance. On an...
by AllMostThere
Sun Jun 10, 2018 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Help requested for my FIRE framework...What am I forgetting?
Replies: 13
Views: 1688

Re: Help requested for my FIRE framework...What am I forgetting?

Steve_On_FIRE, your post is very similar to mine, except I'm a little older. Watching your children grow while missing any of their events is hard. Your salary is excellent, so you need to continue pumping investment savings up to max until it hurts. Max 401K, HSA, Back Door Roth, Mega Back Door Rot...
by AllMostThere
Thu Jun 07, 2018 5:55 am
Forum: Personal Consumer Issues
Topic: What commuter car provides the best long term financial value?
Replies: 84
Views: 9645

Re: What commuter car provides the best long term financial value?

I would agree with others that reliability is key with long daily commutes. Corolla and Civic may be good options, but comfort may also be an issue. I too am a rather robust guy (no fat jokes :happy ) and have found that most of the compact cars are not very comfortable for me. I think this would be...
by AllMostThere
Sun Jun 03, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Banking Security
Replies: 10
Views: 1326

Re: Banking Security

Other than occasional credit card issues, No, I have not had any of my financial accounts hacked, yet. I too wonder if it's just a matter of time before it happens. In coming months I will be following the recommendations of Clark Howard. I have established a new e-mail account @ Proton mail to be u...
by AllMostThere
Wed May 30, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Best brand of appliances for new condo
Replies: 21
Views: 3102

Re: Best brand of appliances for new condo

I would second the recommendations for purchase via Costco w/Citi CC. Samsung is good product with Costco standing behind it with 4 year warranty. I wish I had known this 5 years ago (not even sure Costco sold appliances back then) when we added addition and needed all new Kitchen appliances. We wen...
by AllMostThere
Fri Apr 27, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 285
Views: 54181

Re: Ally online savings now at 1.45%

DW & I have a trust account with Ally for our Emergency & Savings money. For years they have been very competitive with MM / Savings / CD. As of recent, I would agree that they are no longer competitive. Their rates are pretty basic to the point, I think that I will close my Ally accounts and CD's, ...
by AllMostThere
Fri Apr 27, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Deck - Best Method of Treatment
Replies: 28
Views: 5582

Re: Deck - Best Method of Treatment

I have always used Penofin on my pressure treated wood deck. Just a quick power wash, let dry and apply with a roller (two thin layers). The wood really soaks up the Penofin and lasts 3-4 yrs is SE Michigan. Two gallons usually works for a 20x12 deck with enough left over to cover the parameter hand...
by AllMostThere
Mon Apr 02, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: New Microwave - what to select?
Replies: 11
Views: 1590

Re: New Microwave - what to select?

We recently added a gourmet kitchen and bought all new appliances ~ $9K. We bought what we thought was a high end product - Bosch. Huge mistake. :oops: Three of six appliances have needed major repairs in past 5 years - Frig (4X), Micro (3X), Dishwasher (1x). Luckily, I purchased an extended warrant...
by AllMostThere
Mon Apr 02, 2018 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 396
Views: 41229

Re: free dinner investing seminar

Soon2BXProgrammer wrote: Sun Apr 01, 2018 3:07 pm maybe a dumb question.. but how do i get invited to a free steak dinner?
My DW gets these every invites every month and a occasional brochure on pre-paid funerals. I don't know how she ended up on these distribution lists, but thinking she may have been placed on a sales list provided by AARP.