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  1. Cobra9777

    Update on Cord Cutting (Cable TV) - 2021 version

    Roku has been fairly conservative with homescreen ads so far. It's on the far right hand side and mostly just promotes video content on various apps. So a lot of people evidently don't even realize it's an ad. Anyway, it's obvious from the TechHive story (and other sources) that they're about...
  2. Cobra9777

    Update on Cord Cutting (Cable TV) - 2021 version

    TechHive story dated 01/19/2024: Get ready for more ads on the Roku home screen
  3. Cobra9777

    Update on Cord Cutting (Cable TV) - 2021 version

    The Downfall of Streaming TV I enjoyed this video and thought I'd share it here. Not sure I'm quite that pessimistic. But I have noticed a definite trend toward more ads, longer ads, ads inserted into new places, ads that pretend to be streaming content, etc. And everybody wants to be paid...
  4. Cobra9777

    Update on Cord Cutting (Cable TV) - 2021 version

    We've had the the Roku channel app on our Fire TV Cube for many years. Don't use it very much. It's just another ad-supported streaming service, full of mostly older movies and TV shows, plus a few forgettable originals. Very similar to Freevee (formerly IMDB TV) in the Prime ecosystem. Also...
  5. Cobra9777

    New TV, what to buy?

    Congrats. You're going to love it. I got the LG C3 77". The Samsung S90C was a very close second, with the Sony A80L in 3rd. The S90C was the only QD OLED among the 3, so would have been brighter. But I read that QD OLED is more prone to burn-in than regular OLED in early testing. Also...
  6. Cobra9777

    Paying taxes on Roth conversions

    The December withdrawal can be done online. But the online functionality is limited to 99% withholding. They can do 100% (which I prefer), but you have to call and have an agent do the transaction for you. I just say something like, "I'd like to withdraw $X from my IRA ending in xxxx, with...
  7. Cobra9777

    Pension & allocation question

    We have 2 small pensions that cover ~50% of expenses. Withdrawals from our 85/15 portfolio cover the other 50%. My sense is that 85/15 is a bit more equity than most ERs without a pension. The pensions provide a stable foundation against a SHTF market scenario. But of course, by electing the...
  8. Cobra9777

    Paying taxes on Roth conversions

    No. There's no effect on AGI. It's a non-taxable 60-day rollover.
  9. Cobra9777

    Paying taxes on Roth conversions

    I learned about it on this forum 4 or 5 years ago and I've been doing it ever since. Prior to that, I was doing quarterlies, plus F2210 almost every year.
  10. Cobra9777

    Paying taxes on Roth conversions

    A 1099-R is generated for the December tIRA withdrawal. However, box 2b is checked, indicating that "taxable amount is not determined." Turbo tax will ask what you did with the money. I check the box indicating that I returned it to an IRA within 60 days. On F1040, Turbotax prints the gross...
  11. Cobra9777

    Paying taxes on Roth conversions

    We have 2 pensions, dividends, Roth conversions throughout the year, and some hobby income. We have no withholding and no quarterly estimated payments. Like others, I withdraw our safe harbor amount from a tIRA each December, instructing Fidelity to withhold 100%. Following January, I repay...
  12. Cobra9777

    New TV, what to buy?

    Thanks. I might take you up on that. I've been through all the picture settings at least 2 or 3 times. But it's all a little intimidating at first. I don't want to screw anything up. But I don't want to miss out on any great features either. Yeah, that's what bugs me... What other apps...
  13. Cobra9777

    New TV, what to buy?

    I just got a 77" LG C3 on Amazon for $2.2K. I'm really loving the deep blacks and sharp contrast. It's also our first 4K TV. No issue with brightness, though I turned off all the energy-saving settings for max brightness. Question for all you LG owners... For basic navigation and apps, do...
  14. Cobra9777

    Electric bicycle tax credit question?

    Our local Texas municipality offers a rebate on ebikes. It's 50% of the cost, up to $1000. Unfortunately, I bought my ebike last June. The program started in October. You have to sign an affidavit agreeing to: (1) charge the battery during off-peak hours (10pm - 7am), and (2) reduce vehicle...
  15. Cobra9777

    Roku vs Fire Stick

    I like the Fire TV platform. We use the Cube with ethernet. IME, this is much faster than any stick on WiFi. It's extremely snappy and responsive. Yes, the homepage can be a bit "pushy" on Prime and sponsored content. Sometimes this is annoying, but often it is helpful. Overall, I like the...
  16. Cobra9777

    Help. I deserve credit card rewards!

    We continue to increase our spend at Amazon. I'm a Subscribe & Save junkie. So we have the Chase/Amazon card for 5% cashback. Everything else goes on the Fidelity 2% card. There's no foreign transaction fee and no action required for redemption. The cashback is automatically deposited into...
  17. Cobra9777

    Video Editing Software??

    I've always used the built-in Microsoft Video Editor (formerly Movie Maker). A recent update to Windows 10 replaced it with something called Clipchamp. I tried it, but it was horrible in every way. With some effort and Googling, I figured out how to reinstall what they now call "Photos...
  18. Cobra9777

    Basic NW and Accounting Question.

    OK... I'll jump into the fray. For me, NW is a more comprehensive and consistent way to track changes in wealth over time, compared to the portfolio alone. I include an estimate of the FMV of our home because we can easily convert it to cash and become renters. Or more likely, convert part of...
  19. Cobra9777

    2023 Investment Performance Thread

    AA on 12/31/2023 was 86/11/3. 2023 performance was 19.2% per Fidelity. The Fidelity 85/15 market index was 20.3%. We have some high-dividend equity funds in taxable. I'd like to dump them, but I hang on due to very large embedded capital gains. I haven't checked yet, but I'm pretty sure...
  20. Cobra9777

    Post Photos of Your Old Concert Ticket Stubs Here!

    I have the stubs; and yet I still have a hard time remembering the concerts I went to. :coolsmiley:
  21. Cobra9777

    Post Photos of Your Old Concert Ticket Stubs Here!

    This is hanging in my office.
  22. Cobra9777

    Daily WORDLE - please, no spoilers! 2023 version

    Wordle 925 2/6 🟩🟩🟩⬜🟨 🟩🟩🟩🟩🟩
  23. Cobra9777

    What was your WR YTD

    My advice FWIW: don't try to add up your withdrawals. There are too many ways to get off track... dividends, transfers, partially reinvested RMDs, etc. Forget all that. Just subtract non-portfolio income from total spending. That's your portfolio withdrawal. (Non-portfolio income means...
  24. Cobra9777

    Estimated tax withholding and payment

    +1 In late Dec every year, I withdraw our safe harbor amount from my tIRA with 100% withholding. For us, the lowest safe harbor is usually 90% of current year estimated tax. I pay the balance when I file in April. I also repay the tIRA withdrawal every Jan from taxable funds, and code it as...
  25. Cobra9777

    Daily WORDLE - please, no spoilers! 2023 version

    Wordle 924 3/6 ⬜⬜⬜🟩🟨 🟩🟨⬜⬜⬜ 🟩🟩🟩🟩🟩
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