Recent content by Cobra9777

  1. Cobra9777

    T-Mobile May 22 Price increase

    I'm on T-Mobile via Tello. I pay $7/mo for 2GB (unlimited text and 100 voice minutes). When traveling internationally, I get data-only eSIMs via Airalo. Dirt cheap and simple to use. DW is on Verizon via Visible. It's $25/mo for truly unlimited data (including hotspot with no caps). When...
  2. 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...
  3. 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
  4. 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...
  5. 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...
  6. 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...
  7. 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...
  8. 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...
  9. Cobra9777

    Paying taxes on Roth conversions

    No. There's no effect on AGI. It's a non-taxable 60-day rollover.
  10. 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.
  11. 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...
  12. 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...
  13. 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...
  14. 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...
  15. 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...
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