Search found 315 matches

by mrb09
Tue Apr 13, 2021 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Good HSA accounts?
Replies: 43
Views: 2234

Re: Good HSA accounts?

I follow the steps on this link (https://thefinancebuff.com/how-to-rollover-an-hsa-on-your-own-and-avoid-trustee-transfer-fee.html) to move my employer HSA balance once a year to Fidelity with a 60d rollover. I keep the employer HSA because they do a partial match if I take it out of my paycheck for...
by mrb09
Thu Apr 08, 2021 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your View Of the Fidelity 2% Cash Back Visa Credit Card
Replies: 62
Views: 5288

Re: What's Your View Of the Fidelity 2% Cash Back Visa Credit Card

I'm the one that pays the bills so it is a bit annoying not to see the card on the app and to have to either have him pay from his phone or log in from a computer. You can log in using his credentials and pay the bills that way without him having to do it. Another possible option is adding yourself...
by mrb09
Tue Apr 06, 2021 9:27 am
Forum: Personal Consumer Issues
Topic: Should I buy a SLR camera without a built in flash?
Replies: 90
Views: 3295

Re: Should I buy a SLR camera without a built in flash?

My camera journey went from 35mm film w/ multiple lenses, to digital with a mix of the 35mm and smaller dx lenses, to mirrorless w/ separate lenses, to mirrorless with an integrated lens, and finally to just my phone. Partly I lost interest, and partly a phone is just so good now. But with all the c...
by mrb09
Fri Apr 02, 2021 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Why do I owe so much in Taxes?
Replies: 55
Views: 6756

Re: Why do I owe so much in Taxes?

I have the same withholding issue, my RSU grants are withheld at a fixed 22%. I pay estimated taxes to IRS for the difference between 22 and my marginal fed rate (top of 32 and into 35).
by mrb09
Wed Mar 31, 2021 9:33 am
Forum: Personal Consumer Issues
Topic: Wife needs hearing aids, cost concerns
Replies: 51
Views: 4032

Re: Wife needs hearing aids, cost concerns

Saw the thread title, and came to say go to Costco and forget the other options, but it's clear that's been covered! As has been noted above by others, it can be overwhelming when you first wear them. My wife was exhausted after about 90 minutes because her brain was processing all sorts of noises ...
by mrb09
Sun Mar 14, 2021 10:39 am
Forum: Personal Consumer Issues
Topic: Selling or Trading in an Old Computer
Replies: 27
Views: 2186

Re: Selling or Trading in an Old Computer

If you're looking to just e-cycle, apple has a trade-in program you can do via shipping: https://www.apple.com/shop/trade-in . If the device is too old. they'll pay for shipping but won't give credits. A few years ago I did that with one of our 2013 MacBook Pro's. I kept the other and run Linux on i...
by mrb09
Sat Mar 13, 2021 4:18 pm
Forum: Personal Consumer Issues
Topic: What are your travel plans in 2021 and beyond?
Replies: 149
Views: 9602

Re: What are your travel plans in 2021 and beyond?

New Zealand Air just extended the trip credit from our cancelled May 2020 trip to June 2022. So hopefully we'll be able to see our friends in New Zealand in early 2022. Was looking at Aus and NZ for an early 2022 trip but I honestly they and other countries pursuing a zero case strategy will be the...
by mrb09
Sat Mar 13, 2021 3:31 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation Based on Years to and Expected Need for Retirement
Replies: 29
Views: 2602

Re: Asset Allocation Based on Years to and Expected Need for Retirement

I'm 61, 3-4 years until retirement. Was 70/30, now 60/40. I may go to 50/50 a year before I retire, then ramp back up to 60/40. I've maxed out social security for 35 years, so social security at 70 plus my wife's smaller amount is 3/4 of our planned non-discretionary expenses. I have a deferred comp...
by mrb09
Sat Mar 13, 2021 2:40 pm
Forum: Personal Consumer Issues
Topic: What are your travel plans in 2021 and beyond?
Replies: 149
Views: 9602

Re: What are your travel plans in 2021 and beyond?

New Zealand Air just extended the trip credit from our cancelled May 2020 trip to June 2022. So hopefully we'll be able to see our friends in New Zealand in early 2022.
by mrb09
Thu Feb 18, 2021 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: To purchase a California home or move out of state?
Replies: 88
Views: 7439

Re: To purchase a California home or move out of state?

Native Californian (4th generation) in my earlier 60's. I live in the "other" part of California in the Sierras, my whole county is under 40,000 people. We have fires. And snow. We're looking at relocating to Eugene, Oregon, partly to be closer to family and partly to move into town, we're...
by mrb09
Tue Feb 16, 2021 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: I received an offer for an Apple Card. Please tell about your Apple Card experience.
Replies: 11
Views: 1097

Re: I received an offer for an Apple Card. Please tell about your Apple Card experience.

I use mine for Apple purchases/subscriptions for the discount. Nice card, but I use YNAB for budget tracking and there's no online way to download the Apple Card transactions. So I have a budget category for "apple stuff" and just manually enter my payment (you can manually load a CSV with...
by mrb09
Tue Feb 16, 2021 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Restricted Stock Units Tax Reporting Question
Replies: 5
Views: 289

Re: Restricted Stock Units Tax Reporting Question

From what I can tell, I was "awarded" 12 shares, but was only "issued" 7; I assume this was to cover taxes associated with the grant? From what I have read, this is a pretty standard way of dealing with the taxes associated with stock grants. This would be considered normal inco...
by mrb09
Tue Feb 16, 2021 10:33 am
Forum: Personal Consumer Issues
Topic: Electric car in evacuation situation
Replies: 143
Views: 12212

Re: Electric car in evacuation situation

Makes you wonder what people in TX with electric vehicles are doing right now. 2 million Texas households without power as massive winter storm drives demand for electricity https://www.texastribune.org/2021/02/15/rolling-blackouts-texas/ Wonder if any have tesla solar panels and tesla power walls....
by mrb09
Tue Feb 09, 2021 10:41 pm
Forum: Personal Consumer Issues
Topic: Sierra trip - RWD with chains or AWD
Replies: 22
Views: 1514

Re: Sierra trip - RWD with chains or AWD

CA in R1 conditions (the usual) requires chains or M+S on 4WD. So if your Audi tires are marked M+S with a snowflake icon, you're as good as chained 2WD for CA regulations. Double check, as M+S can be anything from actual studded tires (I live in the Sierra and have then on my truck), to Blizziks, t...
by mrb09
Sat Jan 30, 2021 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Savings - separate accounts vs. "buckets" on a spreadsheet
Replies: 14
Views: 926

Re: Savings - separate accounts vs. "buckets" on a spreadsheet

+1 for Ally Buckets. The even have an activities table per bucket, so if you transfer in/out of the bucket, there's a record.
by mrb09
Thu Jan 28, 2021 12:14 am
Forum: Personal Investments
Topic: Indirect rollover to Fidelity HSA: possible to do online?
Replies: 4
Views: 384

Re: Indirect rollover to Fidelity HSA: possible to do online?

If there's a way, I've never found it. I print out the deposit form (which at least allows me to fill in online in the pdf), check the 60 day rollover box and send the deposit and the check in USPS mail. When the deposit shows up, it says "Rollover cash check received" in the description f...
by mrb09
Wed Jan 27, 2021 12:59 pm
Forum: Investing - Theory, News & General
Topic: PSA for 3 funds folks: Did you pass the "Buy, Hold, and Rebalance" Test on March 2020?
Replies: 135
Views: 4948

Re: PSA for 3 funds folks: Did you pass the "Buy, Hold, and Rebalance" Test on March 2020?

I try to stay 60/40 (which had crept up to 64/56 in Feb). Held in March. Rebalanced my IRA in April, sold some bond fund for some equity fund to get back to 60/40. Rebalanced again in October when I crept back up to 64/56. Didn't touch my taxable. That's almost all equity. In hindsight, I should hav...
by mrb09
Tue Jan 26, 2021 1:44 am
Forum: Personal Finance (Not Investing)
Topic: Naming a Trust: Does it Matter?
Replies: 22
Views: 2038

Re: Naming a Trust: Does it Matter?

I don't think it is a huge deal, but Fidelity wouldn't take the name of our "Bob & Betty Trust" as a beneficiary because of the ampersand. I had to spell out "and" which means it doesn't exactly match the trust name. So my advice is no special characters in your ice cream fla...
by mrb09
Wed Jan 20, 2021 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Deferred Comp for Short-term Mid-career Downshift?
Replies: 1
Views: 358

Re: Deferred Comp for Short-term Mid-career Downshift?

Hi Bogleheads - My megacorp offers a deferred compensation plan. Because of my age (39), I've previously dismissed the option as a bad idea. Recently, however, I've been wondering if it might be a good option to fund a short-term mid-career downshift. For example, I've considered using the plan to ...
by mrb09
Fri Jan 15, 2021 1:11 am
Forum: Personal Finance (Not Investing)
Topic: HSA Tax Liability in California
Replies: 13
Views: 1042

Re: HSA Tax Liability in California

Useful link for HSA rollovers: https://thefinancebuff.com/how-to-rollo ... r-fee.html

I transfer money over once a year from Optum bank (what my employer uses) to Fidelity with a 60 day rollover. I don't bother to invest the Optum money.
by mrb09
Wed Jan 13, 2021 3:10 pm
Forum: Personal Consumer Issues
Topic: What Kind of Generator Do you Use for your Home Backup?
Replies: 139
Views: 8776

Re: What Kind of Generator Do you Use for your Home Backup?

We have a 13Kw Generac unit similar to what @ResearchMed has above. It came installed with the house. Glad to have it although never would have paid to install it ourselves. We are currently looking at solar installations, and I mentioned to one of the salespeople whether it'd make sense to switch ...
by mrb09
Wed Jan 13, 2021 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Credit Card: [Update on Experiences, drops two benefits]
Replies: 167
Views: 12492

Re: Fidelity 2% Credit Card: Update on Any Issues or Experiences

Happy card user, it is my primary card for the past year. No international travel the last year, so can't comment on that :). I always carry a backup card from a different bank, but have not had to use it due to Fidelity card issues. Seems to work fine with Apple wallet, I use that whenever possible...
by mrb09
Tue Jan 12, 2021 8:32 pm
Forum: Personal Consumer Issues
Topic: Wide Shoe Sizes: Where to buy? (online or B&M)
Replies: 27
Views: 1414

Re: Wide Shoe Sizes: Where to buy? (online or B&M)

Yes. Shoes from Amazon.com (not 3rd party vendor) have a great return policy. Dunham: mid cut waterproof boot (great for winter outside doing work etc) I get my shoes via Zappos with my amazon login. When I try shoes for the first time, I buy a couple of sizes and send the ones back that don't fit....
by mrb09
Tue Jan 12, 2021 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone have any good personal finance software they actually recommend?
Replies: 12
Views: 1371

Re: Does anyone have any good personal finance software they actually recommend?

Another happy YNAB user. I did find their documentation a little confusing with their budget philosophy, but at the end of the day it is still double entry accounting, it is just they really don't like negative balances. I do budget by month, and my income comes in bi-monthly + yearly bonus. As long...
by mrb09
Thu Jan 07, 2021 12:46 pm
Forum: Personal Consumer Issues
Topic: A burner phone for talk, no data, no text?
Replies: 16
Views: 1551

Re: A burner phone for talk, no data, no text?

What we do: get a Google Voice number. Put Google Voice app on your phone. Use Google Voice to initiate all your phone call. It will use "Data" only, no cell needed. In fact, for a while we didn't even have a "cell" subscription. We just use our home WiFi with a cellphone and Go...
by mrb09
Tue Jan 05, 2021 8:01 pm
Forum: Personal Investments
Topic: Sell FSKAX and Buy ITOT?
Replies: 19
Views: 1695

Re: Sell FSKAX and Buy ITOT?

I have FSKAX in taxable, I think it paid out around 1.5% in dividends this year
by mrb09
Fri Jan 01, 2021 1:32 pm
Forum: Personal Consumer Issues
Topic: If Solar Panels quit working
Replies: 20
Views: 1709

Re: If Solar Panels quit working

Just summarizing what other people have said: - A single mode inverter will shutoff when public grid (PG&E) is off. As other folks have said, this prevents backfeed into the lines when they are down. - A dual mode inverter can be used with a switch that physically disconnects it from the public ...
by mrb09
Thu Dec 31, 2020 10:21 pm
Forum: Personal Consumer Issues
Topic: If Solar Panels quit working
Replies: 20
Views: 1709

Re: If Solar Panels quit working

[quote=Tingting1013 post_id=5700006 time=<a href="tel:1609464628">1609464628</a> user_id=164928] [quote=iamlucky13 post_id=5699984 time=<a href="tel:1609464272">1609464272</a> user_id=118302] Regarding the opposite, there are some inverters that can continue to supply partial po...
by mrb09
Thu Dec 31, 2020 4:16 pm
Forum: Personal Consumer Issues
Topic: [Is VPN essential for online privacy & security?]
Replies: 55
Views: 3536

Re: Which VPN would you recommend?

Use Nord on IOS and occasionally OS X, no complaints. I have it off most of the time but use it on public wifi.
by mrb09
Wed Dec 30, 2020 2:51 pm
Forum: Personal Consumer Issues
Topic: Monitor For a Mac Mini
Replies: 23
Views: 1777

Re: Monitor For a Mac Mini

A quick note on scaling, in case this is useful for the OP: A monitor has native resolution, like 1920x1080 ("1080p" for short) or 2560x1440 ("1440p" for short). The number of pixels combined with the screen size is pixels per inch (PPI or DPI). A monitor can also be scaled, a 4k...
by mrb09
Mon Dec 28, 2020 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion
Replies: 14
Views: 1057

Re: Roth Conversion

Can I just move $$ from tIRA to Roth directly myself using the Fido website? Thanks. Yes, you use the "Move Money" option (from the main menu--click on "$ Transfer" which is right below Accounts & Trade.) Which account do you want to move money from? select retire14's tIRA a...
by mrb09
Mon Dec 28, 2020 6:22 pm
Forum: Personal Investments
Topic: Roth conversion question
Replies: 7
Views: 604

Re: Roth conversion question

Thank you all for responses!
by mrb09
Mon Dec 28, 2020 11:37 am
Forum: Personal Investments
Topic: Roth conversion question
Replies: 7
Views: 604

Roth conversion question

I'm optimistically 4 years from retirement at 65, and if things go according to plan, I'll have some taxable account money to live on until my RMDs and social security start after age 70. I have a rollover IRA and 401k, but no Roth. I'm in Federal 32%-35% (depending on my bonus) tax bracket now whil...
by mrb09
Thu Dec 24, 2020 4:34 pm
Forum: Personal Consumer Issues
Topic: Password storage apps, recommendations?
Replies: 119
Views: 5093

Re: Password storage apps, recommendations?

I'll add KeePass to the password manager application list. I like to keep the password data off the cloud. I use KeePass. Keep the database hosted on my google drive. Also keep backups on my usb drive and in safe place in my house. Obviously a strong pass phrase on KeePass is highly recommended; bu...
by mrb09
Thu Dec 24, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: Password storage apps, recommendations?
Replies: 119
Views: 5093

Re: Password storage apps, recommendations?

I'll add KeePass to the password manager application list. I like to keep the password data off the cloud. I use KeePass. Keep the database hosted on my google drive. Also keep backups on my usb drive and in safe place in my house. Obviously a strong pass phrase on KeePass is highly recommended; bu...
by mrb09
Wed Dec 23, 2020 4:24 pm
Forum: Personal Consumer Issues
Topic: Password storage apps, recommendations?
Replies: 119
Views: 5093

Re: Password storage apps, recommendations?

Another happy 1password user. We have the family plan, and have both shared and personal vaults, and have it spread across three computers, two iPads and two phones. Besides the password storage, 1password will also give you a list of reused passwords, weak passwords and passwords from compromised s...
by mrb09
Fri Dec 18, 2020 8:17 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 125
Views: 8702

Re: New motorcycle rider

I learned to ride before I learned to drive, didn't own a car until I got married, owned bikes ranging from 125cc to 1200cc. Sold my last bike when I just didn't have time to ride any more. I ride bicycles now because any time I do have, I need to be in an activity that keeps my weight down :) Motor...
by mrb09
Tue Dec 15, 2020 1:07 pm
Forum: Personal Investments
Topic: did you rebalance portfolio in the past month?
Replies: 48
Views: 2860

Re: did you rebalance portfolio in the past month?

Yes, my 60/40 was up to 64/56, rebalanced back to 60/40 in my tax deferred account.
by mrb09
Tue Dec 15, 2020 1:04 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 497
Views: 88388

Re: Good Modern Science Fiction

H. Beam Piper, Little Fuzzy Piper was a student of history, and this is one of the oldest of recurring historical patterns: a shift in climate causes northern nomads to come wandering south, where they encounter city dwellers, whom they first conquer and then assimilate into. In this case the new a...
by mrb09
Fri Dec 11, 2020 10:44 am
Forum: Personal Finance (Not Investing)
Topic: If I sell my stock (RSUs & Options), how will I be taxed?
Replies: 13
Views: 1089

Re: If I sell my stock (RSUs & Options), how will I be taxed?

One worry : I'm worried that because the 10 shares are "mixed" with the ISO Options (#2) portion, selling would cause me to get taxed on the options portion. I treat my RSUs as two events: - When they vest, that's income reported on my w2 and taxed - When I sell, that's like any stock sal...
by mrb09
Sun Dec 06, 2020 1:56 pm
Forum: Personal Consumer Issues
Topic: get rid of spinning wheel on my MAC
Replies: 38
Views: 1911

Re: get rid of spinning wheel on my MAC

Do you run a virus scanner? That was a big problem for me on my 2016 work laptop, I set kext-less mode and that helped quite a bit. For McAfee, https://docs.mcafee.com/bundle/endpoint-security-10.6.0-installation-guide-macOS/page/GUID-74D9510B-A542-4811-AF36-78EA5949128A.html Also if you have a hard...
by mrb09
Tue Dec 01, 2020 12:08 am
Forum: Personal Finance (Not Investing)
Topic: YNAB and Fidelity
Replies: 23
Views: 2989

Re: YNAB and Fidelity

So you guys aren't concerned at all sharing your financial institution's login credentials with an aggregator? I might be exposing my ignorance but it sounds risky. Specifically for the Fidelity CC and YNAB, I access through Elan bank (www.myaccountaccess.com) rather than Fidelity. Separate un/pw f...
by mrb09
Mon Nov 30, 2020 2:07 am
Forum: Personal Consumer Issues
Topic: Kitchen Pots and Pans - Any Recommendations?
Replies: 95
Views: 5856

Re: Kitchen Pots and Pans - Any Recommendations?

For pots, we’ve had Cuisnart pots for over 30 years, they’re finally getting scratched enough we replace one with an all-clad version when we see one on sale. For pans, we’re replacing our Lodge cast iron pans with “Greenpan”, mostly because of the weight savings. The lodge pans are now relegated to...
by mrb09
Sat Oct 31, 2020 10:01 am
Forum: Personal Consumer Issues
Topic: Good quality face mask recommendation, please
Replies: 106
Views: 11498

Re: Good quality face mask recommendation, please

I have the Tom Bihn V1 mask. Excellent quality, pretty comfortable except the V1 masks did not have an adjustable ear loops. I really like the replaceable nose wire. I might try the V4. Trying out a Halo mask now, seems pretty comfortable so far, has a replaceable Nano-fiber filter. The replaceable ...
by mrb09
Thu Oct 22, 2020 11:48 pm
Forum: Personal Consumer Issues
Topic: Ideal City to live in?
Replies: 160
Views: 11804

Re: Ideal City to live in?

Just going off your list, Folsom CA checks all your boxes. Super family friendly and while not considered an outdoorsy town like Boulder, there are lots of outdoor opportunities. I live an hour south east of Folsom, higher up in the foothills. Folsom is where my dentist, optometrist and weekly shop...
by mrb09
Thu Oct 22, 2020 10:30 am
Forum: Personal Investments
Topic: How do you estimate retirement expenses?
Replies: 67
Views: 4830

Re: How do you estimate retirement expenses?

I know the aggregate spending we have now (if money comes in and we don't save it, then it's spent), but I don't have It broken down by category. So I took the categories that I know will change (housing expenses down, medigap expenses up, etc), and then applied them as deltas to the spending we hav...
by mrb09
Mon Oct 19, 2020 8:41 am
Forum: Investing - Theory, News & General
Topic: Can anyone comment on MaxFi financial planning software?
Replies: 12
Views: 1687

Re: Can anyone comment on MaxFi financial planning software?

I’ve used it for a couple of years. I had been using a spreadsheet, MaxFi changed the way I thought about projecting expenses in terms of regular vs “special” expenses. It also let me sanity check my (now updated) spreadsheet using my own tax tables and RMD schedules. I did find it hard to model my ...
by mrb09
Mon Oct 12, 2020 7:16 pm
Forum: Personal Consumer Issues
Topic: 2FA: Is Google Voice really a good second form of Authentication?
Replies: 23
Views: 2426

Re: 2FA: Is Google Voice really a good second form of Authentication?

I’m not as concerned about sim swapping (although I probably should be), I’m more concerned with losing my phone :) So I have google voce as a text number for financial services that only support phone as second auth method. For google itself, I use their authenticator as primary second auth, then b...
by mrb09
Tue Oct 06, 2020 8:52 am
Forum: Personal Consumer Issues
Topic: Apple users, I need help!
Replies: 43
Views: 3866

Re: Apple users, I need help!

Go into the "Applications/Utilities" folder, and open "Activity Manager". That will have one tab to sort by cpu usage, and another for memory. That's always the first thing I look at.