Search found 207 matches

by AllMostThere
Fri Apr 02, 2021 12:02 pm
Forum: Personal Investments
Topic: Lower bond percentage after you won the game?
Replies: 57
Views: 6093

Re: Lower bond percentage after you won the game?

KlangFool wrote: Fri Apr 02, 2021 8:29 am OP,

The pain of loss is several times bigger than the joy of gain.

KlangFool
Classic and sooo true! IMHO, it's best to stay the course, at least for the first few years.
by AllMostThere
Fri Apr 02, 2021 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Non-Spousal Inherited Annuity Options (EIN Error)
Replies: 9
Views: 538

Re: Non-Spousal Inherited Annuity Options (EIN Error)

Well we finally started digging into the annuities. One thing my BIL discovered was that FIL changed beneciaries on all the annuity accounts to that of a trust he had created +10 years ago with BIL (and DW) named as successor trustees and all siblings as trust beneficiaries. As instructed by the ann...
by AllMostThere
Mon Mar 22, 2021 8:54 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 457
Views: 35698

Re: So what are you cooking

Financologist wrote: Tue Feb 23, 2021 1:23 pm breaded/fried green tomatoes
OMG, fried green tomatoes are the best. My mother made the best FGT's when she was cooking. I need to figure out how she did it. I think the key was coarse ground corn meal :beer
by AllMostThere
Fri Mar 19, 2021 4:16 pm
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 163
Views: 13855

Re: People with Covid-19 vaccination record cards: where are you keeping them?

I will take a picture and store it in my device. In addition, will have the original card inside of my passport for all future international travels. This is exactly, what me and DW have decided to do. Pic's of cards on our phones, share with each other and original stored with Passport. Will ask m...
by AllMostThere
Mon Mar 15, 2021 8:12 am
Forum: Personal Consumer Issues
Topic: water pipe leaking
Replies: 51
Views: 3504

Re: water pipe leaking

Wow! As others have said, call a licensed plumber and have them replace the whole mess of joints & connections. Key will be a find a plumber that has VERY good references. In this case, Facebook local forum will be a good friend to you. Let the crowd source team recommend you a plumber that can ...
by AllMostThere
Fri Mar 12, 2021 6:59 am
Forum: Investing - Theory, News & General
Topic: Does it feel bubbly to you?
Replies: 214
Views: 15647

Re: Does it feel bubbly to you?

+1 on the Great Peter Lynch Quote! Helps keep things in perspective. Thanks.
by AllMostThere
Fri Mar 05, 2021 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: recommend me some books on personal finance and investing
Replies: 12
Views: 1098

Re: recommend me so books on personal finance and investing

Two seperate references by same author - JL Collins Book - "The Simple Path to Wealth" https://www.amazon.com/gp/product/1533667926/ref=as_li_tl?ie=UTF8&camp=1789&creative=9325&creativeASIN=1533667926&linkCode=as2&tag=jlcollinsnh-20&linkId=1b236a42ef2205f07c4e83e9a9...
by AllMostThere
Mon Mar 01, 2021 8:38 am
Forum: Personal Investments
Topic: Pay off our house or invest?
Replies: 37
Views: 3065

Re: Pay off our house or invest?

I am huge advocate for paying off the mortgage. While the 2.5% interest rate is low and can force the payoff vs. invest mathematical calculation, you are missing the largest benefit. There is a huge emotional/psychological benefit with the payoff option. Living in a paid for house is a sole freeing ...
by AllMostThere
Tue Feb 23, 2021 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Credit Card: [Update on Experiences, drops two benefits]
Replies: 167
Views: 12427

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

Never any issues with this CC other than a yearly fraud activity that gets resolved quickly. DW & I each have the 2% Fidelity Card for 19 years with the 2% going back into the Fidelity 529 for oldest DD. This 529 has grown substantially over 19 years with enough to pay for 3 full semesters of DD...
by AllMostThere
Sun Feb 21, 2021 8:22 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6532
Views: 1449007

Re: What Movie Have You Recently Watched?

DW & I watched "Tenet" last night. OMG, we love SciFi, but this movie was the worst. Plot development was disjointed and hard to follow. We couldn't follow WTH was going on. Were they in the present, future or back in time? :confused The premise had potential, but it was impossible to ...
by AllMostThere
Wed Feb 17, 2021 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Non-Spousal Inherited Annuity Options (EIN Error)
Replies: 9
Views: 538

Re: Non-Spousal Inherited Annuity Options

For both of these (with different companies), we found communications difficult. They're very good at collecting money, not so good at paying it out. .......lack of good information from these firms is going to be a pain. Thanks for the information lstone19. You confirmed for me some of the mis-inf...
by AllMostThere
Wed Feb 17, 2021 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Non-Spousal Inherited Annuity Options (EIN Error)
Replies: 9
Views: 538

Re: Non-Spousal Inherited Annuity Options

As executor, is BIL working with an estate attorney? Yes, legal counsel has been engaged as there are a couple of checking accounts that did not have any siblings listed as Joint Owners. Amount is <$50K and will most likely need to go thru probate. BIL was using POA to access funds for FIL benefit ...
by AllMostThere
Wed Feb 17, 2021 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Non-Spousal Inherited Annuity Options (EIN Error)
Replies: 9
Views: 538

Non-Spousal Inherited Annuity Options (EIN Error)

My FIL passed away at the end of January. He was always strong advocate for Variable Annuities and had at least 5 different VA's at time of his death ~ $400k total. Per BIL, DW and 5 siblings are listed as beneficiaries on these annuities (MIL passed away +15 years ago). BIL is a great guy and has p...
by AllMostThere
Mon Feb 15, 2021 10:36 am
Forum: Investing - Theory, News & General
Topic: 401k to IRA Rollovers Again!!
Replies: 12
Views: 728

Re: 401k to IRA Rollovers Again!!

Something to consider before any 401K rollover to IRA. If DW's 401K allows, she will lose the ability to withdraw any funds from 401K without penalty. Rule of 55 allows 401K withdrawals without the 10% penalty, provided she attained 55 years of age in the year of employment termination. Unless the 4...
by AllMostThere
Sat Feb 13, 2021 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Sent to Collections by Sprint but the Debt isn't Mine
Replies: 33
Views: 3837

Re: Sent to Collections by Sprint but the Debt isn't Mine

I'd file a complaint with the Feds and perhaps your state consumer agencies. FTC has some sample letters that might be of help. send return receipt. https://www.identitytheft.gov/Sample-Letters send one to the collection agency demanding back up of the application with your signature: https://www.i...
by AllMostThere
Mon Feb 08, 2021 7:15 pm
Forum: Personal Consumer Issues
Topic: In price negotiations now for Subaru Crosstrek (AKA Crosstrek vs CX-30)
Replies: 46
Views: 2540

Re: In price negotiations now for Subaru Crosstrek (AKA Crosstrek vs CX-30)

EDITED: I didn't want to start yet ANOTHER thread, so I am just editing this one a little. I am going with the Subaru and am currently in price negotiations and am welcome to any tips or advice. I emailed either Subaru dealerships in my area and called one (the one I went to today to test drive for...
by AllMostThere
Sun Feb 07, 2021 7:28 pm
Forum: Personal Consumer Issues
Topic: What are your staple healthy meals?
Replies: 122
Views: 10039

Re: What are your staple healthy meals?

I try to make some good long filling food for me and DW in the mornings for breakfast. Usually consists of one of three options: 1) Thick cut home made honey wheat bread with butter and cream cheese 2) Oatmeal - cooked in small crock pot on low for couple hours: 1 cup oats + 2 cups of milk. Top with...
by AllMostThere
Sat Feb 06, 2021 6:24 am
Forum: Personal Investments
Topic: Backdoor Roth IRA Conversion Question
Replies: 8
Views: 694

Re: Backdoor Roth IRA Conversion Question

Yes, that's it. Rinse and repeat every year. Also, remember to complete IRS Form 8606 each year when you do your taxes. TurboTax will complete this task for you. :beer
by AllMostThere
Fri Feb 05, 2021 7:53 am
Forum: Personal Consumer Issues
Topic: Recommendations for replacing 8 years old Whirlpool Fridge
Replies: 43
Views: 3471

Re: Recommendations for replacing 8 years old Whirlpool Fridge

I would agree with the other BH's in that Whirlpool/Maytag/KitchenAid are real appliance makers. Reliability and availability of replacement parts need to be part of the equation and these three will hit the mark. In addition to the LG / Samsung avoidance recommendations, I would add Bosch to that &...
by AllMostThere
Sat Jan 30, 2021 5:27 am
Forum: Personal Finance (Not Investing)
Topic: Motivate Graduating HS Sr to Start Life - facing an uphill climb
Replies: 175
Views: 12595

Re: College financial aid - facing an uphill climb

This is the first time I have ever heard of someone not having access to in-district community college, but then again Texas is a big state, so I guess I can see how that may happen. Nothing wrong with him taking a gap year and obtaining a job that will teach the value of work and ultimately the val...
by AllMostThere
Fri Jan 29, 2021 7:22 pm
Forum: Personal Investments
Topic: Fidelity fund recommendations for travel bucket
Replies: 6
Views: 613

Re: Fidelity fund recommendations for travel bucket

IMO the Fidelity Municipal Bond Index Fund (FMBIX; 0.07) may be a good choice. We use it for our emergency fund and it's been working well. Dividend is pretty consistent every month. It does fluctuate in price, but not too bad. :beer
by AllMostThere
Fri Jan 29, 2021 7:00 pm
Forum: Personal Consumer Issues
Topic: What about northeast corner of GA? (sorry about long post)
Replies: 75
Views: 8660

Re: What about northeast corner of GA? (sorry about long post)

Given the thoughtful and informative input I have seen, and received, on BH, I am back seeking advice on the next major decision facing me and DW. We currently live in northern NJ, are in our early 60s, and recently retired. While we both have spent all of our working lives in the greater NYC area,...
by AllMostThere
Fri Jan 29, 2021 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Would you accept this job offer?
Replies: 28
Views: 3105

Re: Would you accept this job offer?

IMO, the retiree healthcare is worthy of staying it out for another year. This level of retiree healthcare is hard to come by, so don't let it slip by you. Retiree healthcare at my company is $3,500 per month for family of 4, good thing my DW has option for better choices. Don't be tempted by the lu...
by AllMostThere
Fri Jan 29, 2021 7:02 am
Forum: Personal Investments
Topic: GF new 401K review
Replies: 22
Views: 1794

Re: GF new 401K review

My question is mainly: Can she just 70% FXIAX/30% BTC EAFE Equity Index Fund T and call it a day? Of all the choices, the best are those low EF funds listed below. In addition to FXAIX, I would suggest consideration of Fidelity Extended Mkt Index and Vanguard Small Cap Index. Perhaps, cut considered...
by AllMostThere
Mon Jan 25, 2021 5:55 am
Forum: US Chapters
Topic: Happy 97th Birthday, Taylor Larimore
Replies: 146
Views: 6338

Re: Happy 97th Birthday, Taylor Larimore

Best wishes to Taylor on your Birthday. You are truly an inspiration to others. Thank you and enjoy your day!
by AllMostThere
Sat Jan 23, 2021 9:32 am
Forum: Personal Finance (Not Investing)
Topic: How to pay ZERO taxes in retirement with 6-figure expenses
Replies: 224
Views: 153303

Re: How to pay ZERO taxes in retirement with 6-figure expenses

All I can say at this point is Wow. I will need to study this thread in greater detail as I move forward in my journey. Thanks to all contributors.
by AllMostThere
Sat Jan 23, 2021 9:29 am
Forum: Personal Investments
Topic: Where would you put extra money after you fully fund Roth IRA
Replies: 5
Views: 814

Re: Where would you put extra money after you fully fund Roth IRA

Other options. Does your employer offer: 1) HSA - if so, max it out, invest and let it grow 2) 401K - if so, enough to get company match 3) 401K In-service withdrawls - if so, investigate Mega Back Door Roth process 4) 401K - continue contributing up to max annual amount (assumes good low cost fund ...
by AllMostThere
Sat Jan 23, 2021 8:19 am
Forum: Personal Finance (Not Investing)
Topic: gifting money to adult children or to grandkids after you have retired
Replies: 33
Views: 4049

Re: gifting money to adult children or to grandkids after you have retired

I would agree with some other posters in that DW & I have savings that were built up for our future needs! Unknown health issues can ruin a nest-egg, so we do not plan on being too generous with our children. We are fully funding college degrees for DD & DS (both still teenagers), so that do...
by AllMostThere
Sat Jan 23, 2021 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Who or what has helped the most in your financial journey?
Replies: 121
Views: 7378

Re: Who or what has helped the most in your financial journey?

Sometimes it's hard to remember how this path towards “winning the game” started, but here's my best recollection: Personal influences: • Both DM & DF were Depression Era babies, so they were brought up on very very limited resources. DF initially born in deep south on a farm, then family moved ...
by AllMostThere
Sun Jan 17, 2021 9:00 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 336
Views: 39658

Re: What have you baked recently?

I've been making this No-Knead Honey Oatmeal Bread for past couple of years. Just made two loaves this morning. I make my own yogurt and strain it for thicker Greek Style Yogurt. Rather than using water, I use the Whey strained off the yogurt for the liquid in the bread. Soooo good, it gives the bre...
by AllMostThere
Sun Jan 17, 2021 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Tradeline selling - is this a real thing??
Replies: 24
Views: 2589

Re: Tradeline selling - is this a real thing??

Hello everyone ... thanks in advance for any and all feedback ... a question Bumped into a number of sites/posts regarding tradeline selling (as I understand it, allowing access to your unused credit on a credit card)... before I invest a lot of time in trying to figure this out, I thought I'd ask ...
by AllMostThere
Tue Jan 12, 2021 6:45 am
Forum: Personal Consumer Issues
Topic: Any experience with Rover.com?
Replies: 10
Views: 2859

Re: Any experience with Rover.com?

Rather than start a new thread, I thought I would revive this older thread about Rover.com. Rather than BH's opinion on use of this service has anyone used Rover.com as their side hustle? Due to COVID and 100% on-line classes (big NO NO for her), DD is back from college at least until next fall befo...
by AllMostThere
Mon Jan 11, 2021 6:26 pm
Forum: Personal Consumer Issues
Topic: Are plasma TV's gone forever?
Replies: 117
Views: 17559

Re: Are plasma TV's gone forever?

Not looking to give them away. Even if I sold them, you can get a 60" TV from walmart for $300. How much do you think I can get for my big heavy dusty 12 year old 58" heat maker that might die tomorrow? ~$100. The tight wad in me refuses to sell my $3000 TV for a mere $100. :) yes I know....
by AllMostThere
Mon Jan 11, 2021 6:17 pm
Forum: Personal Investments
Topic: I don't believe in market timing, but every year I wait to contribute for my backdoor Roth...
Replies: 25
Views: 2492

Re: I don't believe in market timing, but every year I wait to contribute for my backdoor Roth...

EricaInvestPink wrote: Mon Jan 11, 2021 3:50 pm How do I stop?
Every year in Janaury repeat 10 times to yourself "Time in the market is more important that timing the market"
Then invest fully and be done with it.
by AllMostThere
Mon Jan 11, 2021 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for daughter w/a new job & almost doubling salary
Replies: 17
Views: 1980

Re: Advice for daughter w/a new job & almost doubling salary

Your DD has a very rare and blessed opportunity that will pay her dividends for the rest of her life. My response may go against some BH's, but I have always been anti-loan. I suggest the following, in assending order (but not rigid) that can realistically be accomplished in CY2021. 1) Priority, enj...
by AllMostThere
Sun Jan 10, 2021 6:50 am
Forum: Investing - Theory, News & General
Topic: Do you have FOMO (Bitcoin, TSLA, whatever?)
Replies: 201
Views: 12928

Re: Do you have FOMO (Bitcoin, TSLA, whatever?)

Fear of FOMO is a recipe for disaster and will drive you toward performance chasing. I did exactly that in the late nineties by setting my AA (Didn't understand at the time I needed a diversified AA) to the funds with the "best" return. Needless to say, any gains (and then some) were lost ...
by AllMostThere
Fri Jan 08, 2021 8:12 pm
Forum: Personal Consumer Issues
Topic: Are plasma TV's gone forever?
Replies: 117
Views: 17559

Re: Are plasma TV's gone forever?

10 years ago, I found a used plasma for my friend, so we could use it for xbox. We called it "the heater". I'd say "Go turn on the heater so we can xbox". OMG! This quote hit too close to home for me. I have a 9 year old 60" Panasonic Viera Plasma TV that radiants heat you ...
by AllMostThere
Fri Jan 08, 2021 7:50 pm
Forum: Personal Investments
Topic: Fidelity HSA fund selection help
Replies: 35
Views: 2294

Re: Fidelity HSA fund selection help

I would like some help on what I should pair with the 500 Index Fund and what percentage I should use. I am a bit of slicer and dicer, so within our Fidelity HSA, we use SP500 Index (FXAIX) @ 50% combined with Extended Market Index (FSMAX) @ 25% for US Equity position. I really like the Extended In...
by AllMostThere
Fri Jan 08, 2021 3:35 pm
Forum: Investing - Theory, News & General
Topic: To REIT or not to REIT - That is the Question
Replies: 8
Views: 922

Re: To REIT or not to REIT - That is the Question

Thanks all for the good recommendations. I have balanced out the separate REIT Index's from mine and DW's allocations. Now with the included default REIT allocations in the SP500, Total Market and Small Cap Index funds, our overall REIT exposure has been reduced to ~ 2% of total. We are now one step...
by AllMostThere
Sun Jan 03, 2021 11:12 am
Forum: Personal Investments
Topic: Best Broker for backdoor Roth process?
Replies: 7
Views: 660

Re: Best Broker for backdoor Roth process?

Been using Fidelity for several years with both backdoor and mega backdoor ROTH IRA processes. Never any issue, so I highly recommend Fidelity.
by AllMostThere
Sun Jan 03, 2021 11:05 am
Forum: Personal Consumer Issues
Topic: Bulging Iphone - How to replace securely
Replies: 30
Views: 2351

Re: Bulging Iphone - How to replace securely

iPhone 4 is probably not worth paying someone to repair, but if you wanted to keep as backup phone you can obtain battery + tools and do yourself. With the magic of youtube I have done this several times very inexpensively. You can obtain battery + tools for less than $10 and maybe 30 minutes of you...
by AllMostThere
Sun Jan 03, 2021 10:54 am
Forum: Investing - Theory, News & General
Topic: Taylor Sends His Best to Fellow Bogleheads
Replies: 334
Views: 26743

Re: Taylor Sends His Best to Fellow Bogleheads

All I can say is WOW! Taylor, you look better than most sixty year olds I know! Amazing. :beer
Glad all went well for you. You are an inspiration for many with your knowledge, kindness and years of service to others. Happy New Year and stay well.
by AllMostThere
Sun Jan 03, 2021 8:09 am
Forum: Personal Consumer Issues
Topic: Subaru Forums
Replies: 23
Views: 1655

Re: Subaru Forums

DW bought a 2021 CrossTrek and absolutely loves it! She belongs to a couple Facebook groups called "2018+ Subaru CrossTrek Owners"+"Subaru Owners Club". Very interesting and often gives some good examples of performance and aftermarket products.
by AllMostThere
Sun Jan 03, 2021 7:21 am
Forum: Investing - Theory, News & General
Topic: To REIT or not to REIT - That is the Question
Replies: 8
Views: 922

To REIT or not to REIT - That is the Question

Since finding BH several years ago, I liked to utilize the "Core Four Portfilio - Total Stock, Total Int'l, Total Bond & REIT" as basis of my portfilio with some slice and dice in the International and Bond areas. With my 60/40 AA I am targeting 6% REIT in my AA. In my effort to simpli...
by AllMostThere
Fri Jan 01, 2021 4:24 pm
Forum: Personal Investments
Topic: First day of new year - backdoor Roth today?
Replies: 3
Views: 411

Re: First day of new year - backdoor Roth today?

I did the contribution this morning to my Traditional IRA at Fidelity with funds already at Fidelity. Once the dust settles on the transaction next week Monday/Tuesday then I'll do the conversion to the ROTH IRA. If you are transferring funds from an external bank account then it may take a few day...
by AllMostThere
Fri Jan 01, 2021 4:22 pm
Forum: Investing - Theory, News & General
Topic: Do you lump sum full amount into IRA at beginning of the year?
Replies: 49
Views: 2863

Re: Do you lump sum full amount into IRA at beginning of the year?

Absolutely! Every year. Today, I just initated $7K for myself and DW as part of our annual Backdoor ROTH process. I am firm believer that time in market is key to success. :beer
by AllMostThere
Fri Jan 01, 2021 4:17 pm
Forum: Personal Consumer Issues
Topic: Very very warm Men’s Winter Coat
Replies: 67
Views: 5434

Re: Very very warm Men’s Winter Coat

Carhartt has many different styles of outdoor coats that will fit the bill. I have one that I use for those extra cold winter days and I actually get hot in it. Below is a good one, plus there are others worthy of looking at. Any Carhartt should last a lifetime. https://www.carhartt.com/products/car...
by AllMostThere
Fri Jan 01, 2021 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Powerball- Mega Million Near 400M
Replies: 28
Views: 2489

Re: Powerball- Mega Million Near 400M

I play, every day, at a cost of $12/wk. Sunday is Cash 4 Life ($2). This is actually drawn every day of the week, I just play on Sundays when there’s no “jackpot” game. Monday is Pick 6 ($1) Tuesday is Mega Millions ($2) Wednesday is Power Ball ($2) Thursday Is Pick 6 ($1) Friday is Mega Millions (...
by AllMostThere
Thu Dec 31, 2020 7:25 pm
Forum: Personal Consumer Issues
Topic: 6 week replacement for dell laptop
Replies: 53
Views: 2589

Re: 6 week replacement for dell laptop

my dell laptop stopped working yesterday. since I use the laptop for consulting, I paid up front for onsite 2-day business repair. Due to covid, dell won't be able to meet that timeframe and in fact, can't even give me an estimate for repair. They are willing to swap laptops but there's a six week ...