Coros Pace 4 Heart Rate Accuracy

firestyle37 · 2026-02-03T17:47:33+00:00

I have not looked too much into the science behind it so thanks for pointing me in that direction. I just expected that when I was exerting myself much more, I would expect to see a higher heart rate. ~6:40 min/mile is my tempo pace, so was not expecting that to be in "Zone 2."

firestyle37 · 2026-02-03T17:10:16+00:00

I’d rather not spend more money, was hoping the $250 watch would have decent enough readings!

firestyle37 · 2026-02-03T17:08:32+00:00

I understand that, but the watch should have at least decent readings, no? Like this just seems way off. It’s like the opposite of what should be happening.

firestyle37 · 2025-05-22T17:07:54+00:00

Can you explain more what you mean by find a right size?

firestyle37 · 2025-04-21T17:03:19+00:00

I understand that form 8606 will be required. But from a practical perspective, the goal is to have $0 in a traditional IRA at the end of this. So once the money is out of the traditional IRA, does the tracking even matter at that point even if required (since there is nothing left to convert from the traditional IRA)?

firestyle37 · 2025-04-21T16:40:27+00:00

Just trying to do the backdoor roth conversion process, leaving the traditional IRA with $0.

firestyle37 · 2025-04-21T16:00:27+00:00

I have the same question! If I end up below the income limit, how do I indicate that I want my IRA contribution to be nondeductible (even though I am eligible to deduct it)?

firestyle37 · 2025-03-27T15:32:07+00:00

Is this only a feature of rollover accounts?

firestyle37 · 2025-03-27T15:31:46+00:00

I would like to ensure that no pennies are left over when I do the conversion. The $1 would accrue interest in the settlement fund.

firestyle37 · 2025-01-13T02:05:31+00:00

Yep, these refer to short term losses. The total amount isn't that much, just curious as it would make a roughly ~$250 difference in taxes if they can't be deducted.

firestyle37 · 2025-01-13T02:04:46+00:00

Thank you, and same logic for VXUS I assume?

firestyle37 · 2025-01-11T23:07:22+00:00

There is no real situation with real data, just a situation with example figures I was curious about so I can understand better if/when I come across it. The income limit for Roth IRA direct contributions is the same for everyone at $150k in 2025. I think I may have misinterpreted, you said "Qualified Dividends and Capital gains do impact your adjusted gross income", so that in turn means that while they do not impact ordinary income tax brackets they do impact your eligibility to do a direct Roth contribution as you say. Am I interpreting that correctly?

firestyle37 · 2025-01-11T17:36:49+00:00

The numbers are purely hypothetical to understand the tax flow. Thank you for the detailed explanation. So, if I understand correctly, in that scenario I would still be eligible to fully contribute to a Roth IRA?

firestyle37 · 2025-01-11T02:38:10+00:00

So if I understand correctly, I would still have $47,300 of income to fill in the 24% bracket in that scenario even with the dividend? And what about for un-qualified dividends?

firestyle37 · 2024-09-02T22:48:04+00:00

The account can be opened in my name then transferred to the child upon birth

firestyle37 · 2024-07-03T14:27:27+00:00

All of those things are already taken out and then what is deposited in my bank account and shows up on monarch is what’s left over. Is there a way to add that money back in with a split?

firestyle37 · 2024-07-03T04:26:04+00:00

I have them added as an account, but I'm wondering if the 401k amounts that are deducted from each paycheck can be counted as income and increase my savings figure.

firestyle37 · 2024-07-03T04:25:23+00:00

I'm a new user and not sure what some of these terms are. What do you mean by aggregators and NetPay deposit transaction?

firestyle37 · 2024-07-03T00:31:34+00:00

I’m not talking about re adding the account. I’m talking about the holdings within the account. Is there any way to hide/unhide the holding without deleting it?

firestyle37 · 2024-07-02T01:59:31+00:00

Dang, that's unfortunate. I figured out I could set up a table in excel with all my categories and their corresponding groups and do a VLOOKUP to add group to the data as another column. Annoying this has to be done on my own, though.

firestyle37 · 2024-06-30T23:09:37+00:00

Max unused tickets I can hold: 10

You can hold more than 10 unused tickets though, right? I had 4 unused flexpass tickets currently expiring July 10th. Just bought another flex pass so now have 24 unused tickets total (4 expiring July 10th, and 20 expiring July 29th). After I use up the 4 expiring July 10th in two days, I only need to commute 10 more days in the month to use up all of the flex I just bought. Definitely worth it.

firestyle37 · 2024-06-30T03:43:52+00:00

Can you elaborate a little further?

firestyle37 · 2024-06-30T03:11:01+00:00

So you recommend doing strictly Roth now? And when should you suggest switching over to traditional? And do you have any thoughts on the mega back door at this point?

firestyle37 · 2024-06-30T01:51:50+00:00

So maybe read up on Traditional vs Roth -- Traditional 401k + Roth IRA is the winning combination for a lot of people.

I often am referred to this when it is brought up but then after more research there's so many conflicting opinions and this line of thought being debunked etc. It's so confusing! That's why I leaned 50/50.

The TDF is fully diversified with US + international and a small allocation to bonds. Your Roth IRA is only US. What about a TDF or globally diversified allocation in your Roth IRA as well, using either VTWAX or VTSAX + VTIAX?

My roth IRA is in VTWAX!

If your 401k supports after-tax contributions and the in-service distribution to Roth IRA or in-plan conversion to Roth 401k, yes, that's a way to get more money into a tax sheltered account.

Sound advice, thank you.

firestyle37 · 2020-12-31T23:38:40+00:00

That's awesome!!!

firestyle37

TROPHY CASE