Search found 193 matches

by elcadarj
Wed Sep 02, 2020 6:52 pm
Forum: Personal Consumer Issues
Topic: Undergrad College List
Replies: 64
Views: 4419

Re: Undergrad College List

Dear DIL is now in PhD program in Clinical Psychology at UVa. Undergrad was UNC-CH. No loan in PhD program. They’re paying her.
by elcadarj
Tue Sep 01, 2020 12:35 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation - What Would MegaCorp Do?
Replies: 3
Views: 542

Re: Asset Allocation - What Would MegaCorp Do?

Interesting. What's the expense ratio? No expense ratio. The CBP is not a deferred comp plan, there is no opt-in. It is the MegaCorps old traditional defined benefit plan converted to a cash balance plan: https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/fact-sheets/cash-b...
by elcadarj
Sat Aug 29, 2020 1:12 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation - What Would MegaCorp Do?
Replies: 3
Views: 542

Asset Allocation - What Would MegaCorp Do?

I have a Cash Balance Plan (CBP) from my MegaCorp, I'm retired. The CBP is a converted defined benefit plan. Thought it would be of general interest what asset allocation it uses to support plan liabilities for 20k active employees and about 1.3k retirees. Individuals plan balances receive monthly i...
by elcadarj
Sat Aug 22, 2020 2:50 pm
Forum: Personal Consumer Issues
Topic: Best Earbuds with Microphone
Replies: 40
Views: 2352

Re: Best Earbuds with Microphone

Unfortunately I can’t find them, and I never tried them out. Thanks for letting me know that they work well though, as it would be easy to purchase another set. Check your closets and drawers for the original box, they may be still in it. I found several sets when cleaning out our home office closet.
by elcadarj
Fri Jul 24, 2020 12:51 pm
Forum: Personal Consumer Issues
Topic: Morgan Stanley letter about a data breach in my "former Morgan Stanley account" when I've never had one
Replies: 30
Views: 3231

Re: Morgan Stanley letter about a data breach in my "former Morgan Stanley account" when I've never had one

See wikipedia for the Morgan Stanley Wealth Management family tree: https://en.wikipedia.org/wiki/Morgan_St ... Management

Pop open the graphic under Acquisition history.

Turns out my Robinson Humphrey account from the early eighties is my link to Morgan.
by elcadarj
Thu Jul 23, 2020 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: TriCare at age 60
Replies: 10
Views: 1523

Re: TriCare at age 60

Anyone have any experience with Tricare Select how that plan? My brother has found Tricare a problem in the Chicago area: providers not accepting. I have not had any issues with it here in the SE, all major hospital groups and associated practices accept it. All my and my wife's usual providers acc...
by elcadarj
Thu Jul 23, 2020 9:50 am
Forum: Personal Investments
Topic: Just added another 70k per annum.
Replies: 25
Views: 5299

Re: Just added another 70k per annum.

Does your plan allow for in-service withdrawals to IRA? Read your summary plan description (SPD). https://www.lordabbett.com/en/perspectives/retirementperspectives/in-service-distributions-accessing-retirement-plans-while-employed.html "In-service Withdrawals from 403(b) Plans These plans are unique...
by elcadarj
Wed Jul 15, 2020 6:29 am
Forum: Personal Finance (Not Investing)
Topic: TriCare at age 60
Replies: 10
Views: 1523

Re: TriCare at age 60

chalet wrote: Mon Mar 30, 2020 8:14 pm did you change a red ID card for a normal one? did it change from INDEF to four years or something like that?

what changes (if any) are you going to make to your health insurance now?
At age 60 ID card is now DD Form 2 (blue) with an expiration date EOM the month before my 65th birthday.
by elcadarj
Wed Jul 15, 2020 6:26 am
Forum: Personal Finance (Not Investing)
Topic: TriCare at age 60
Replies: 10
Views: 1523

Re: TriCare at age 60

Sorry I have been offline for quite a while. Dealing with Rona in a new position.

Have your questions been answered by someone else?

My health care situation is TriCare select and an HRA from my last job will cover both my wife and I until Medicare and TriCare For Life.
by elcadarj
Wed Jul 15, 2020 6:17 am
Forum: Personal Finance (Not Investing)
Topic: Switching from W2 to 1099 contractor. Seeking advice.
Replies: 43
Views: 1867

Re: Switching from W2 to 1099 contractor. Seeking advice.

Sole Proprietor vs. LLC/other From most of my reading, it seems like I can just file taxes as a sole proprietor and get the 20% deduction on my 1099 income. It doesn't seem like it is necessary to create an LLC unless I want the liability protection . As a software engineer, this doesn't really see...
by elcadarj
Thu Feb 20, 2020 11:04 am
Forum: Personal Consumer Issues
Topic: Roku Express+ or Roku Streaming Stick+ for a Non-Tech Cord Cutter?
Replies: 20
Views: 1498

Re: Roku Express+ or Roku Streaming Stick+ for a Non-Tech Cord Cutter?

We cut the cord last November. AT&T 300Mbps fiber to the house. YouTube TV w/o add ons. + Netflix and Amazon Prime TV. Bedroom TV is TCL with built in Roku. Primary TV is Samsung smart TV w/4k Apple TV, second den TV is Samsung smart TV w/3rd Generation Apple TV. By far my favorite set up is the Sa...
by elcadarj
Wed Feb 19, 2020 2:57 pm
Forum: Personal Consumer Issues
Topic: Roku Express+ or Roku Streaming Stick+ for a Non-Tech Cord Cutter?
Replies: 20
Views: 1498

Re: Roku Express+ or Roku Streaming Stick+ for a Non-Tech Cord Cutter?

We cut the cord last November. AT&T 300Mbps fiber to the house. YouTube TV w/o add ons. + Netflix and Amazon Prime TV. Bedroom TV is TCL with built in Roku. Primary TV is Samsung smart TV w/4k Apple TV, second den TV is Samsung smart TV w/3rd Generation Apple TV. By far my favorite set up is the Sa...
by elcadarj
Fri Feb 07, 2020 7:18 am
Forum: Personal Consumer Issues
Topic: Is a *new* Drivers License required for USA citizens who have a Passport?
Replies: 45
Views: 4385

Re: Is a *new* Drivers License required for USA citizens who have a Passport?

IRT OP's orginal question. No, you do not need a new DL for REAL ID Act compliance. REAL ID is an Act of Congress. Not an ID card. A REAL ID Act compliant DL is one of many acceptable documents for passing through TSA. From the TSA web page. https://www.tsa.gov/travel/security-screening/identificati...
by elcadarj
Wed Jan 15, 2020 5:02 pm
Forum: Personal Consumer Issues
Topic: Roku Express+ or Roku Streaming Stick+ for a Non-Tech Cord Cutter?
Replies: 20
Views: 1498

Re: Roku Express+ or Roku Streaming Stick+ for a Non-Tech Cord Cutter?

We cut the cord last November. AT&T 300Mbps fiber to the house. YouTube TV w/o add ons. + Netflix and Amazon Prime TV. Bedroom TV is TCL with built in Roku. Primary TV is Samsung smart TV w/4k Apple TV, second den TV is Samsung smart TV w/3rd Generation Apple TV. By far my favorite set up is the Sam...
by elcadarj
Wed Jan 15, 2020 4:40 pm
Forum: Personal Consumer Issues
Topic: Microsoft : Edge Being Replaced by Chromium
Replies: 27
Views: 4515

Re: Microsoft : Edge Being Replaced by Chromium

Barkingsparrow wrote: Sat Jan 11, 2020 1:22 pm I've already moved to FF as I strongly detest Google. I'm also looking at email alternatives such as protonmail so I can also dump gmail.

:thumbsup :thumbsup
by elcadarj
Mon Jan 13, 2020 1:06 pm
Forum: Personal Consumer Issues
Topic: Charleston mid-March to mid-April Recommendations
Replies: 15
Views: 796

Re: Charleston mid-March to mid-April Recommendations

EdNorton wrote: Mon Jan 13, 2020 1:02 pm If you like oysters and dive bars, Bowen's Island Restaurant. :sharebeer
:thumbsup :thumbsup
by elcadarj
Fri Jan 03, 2020 9:50 pm
Forum: Personal Investments
Topic: Would Fidelity Brokeragelink make sense for me?
Replies: 9
Views: 714

Re: Would Fidelity Brokeragelink make sense for me?

+1 Good experience with Brokeragelink. My megacorp limited BL to 90% of 401k holdings. I’m a bit of a tilter so I put the 10% in a REIT fund which aligned with my allocation plan. Used the Brokeragelink for the majority of my plan. Here are my 401k options w/o Brokeragelink: Stock Investments Compan...
by elcadarj
Sat Dec 21, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: RESOLVED: Wife needs new Wine Fridge / Chiller: we don't buy wine expensive enough that it needs to be aged...
Replies: 53
Views: 3520

Re: Wife needs new Wine Fridge / Chiller: we don't buy wine expensive enough that it needs to be aged...

As someone who has literally never tasted alcohol of any kind, what is the benefit of a "wine fridge" over simply just putting the bottle in your refrigerator? You don’t have to wait for the wine to be cold. Cabernet Sauvignon don’t need to be chilled. I like white and rose to be chillier. Confused...
by elcadarj
Tue Dec 17, 2019 4:07 pm
Forum: Personal Consumer Issues
Topic: How did your Windows 10 upgrade go?
Replies: 66
Views: 5359

Re: How did your Windows 10 upgrade go?

FYI for any fellow procrastinators. I just completed update of OS from Windows 7 SP1 to Windows 10. Here are the current specs on my home-build desktop, originally assembled in October 2010: CPU Intel Core i5 660 @ 3.33GHz 38 °C Clarkdale 32nm Technology RAM 16.0GB Dual-Channel DDR3 @ 668MHz (9-9-9-...
by elcadarj
Sat Dec 07, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: New passport how long to obtain?
Replies: 37
Views: 2485

Re: New passport how long to obtain?

The key is to get your application in before the wave of spring breakers start applying after the first of the year.
by elcadarj
Mon Dec 02, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: which netgear wifi for replacement of airport extreme base station
Replies: 15
Views: 477

Re: which netgear wifi for replacement of airport extreme base station

I just read about netgear orbi. Read the netgear website but it is so confusing. So many models . How do you know which one to buy? If you're a Costco member, Orbi-mini two pac, 4000 sq ft coverage for $129: https://www.costco.com/netgear-orbi-mini-ac2200-tri-band-wi-fi-system%2c-2-pack.product.100...
by elcadarj
Mon Dec 02, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: TriCare at age 60
Replies: 10
Views: 1523

Re: TriCare at age 60

My wife is gray area retired navy reserves but not yet at 60. As she understands it, transfer is not automatic and you will have to enroll at https://tricare.mil/Plans/Enroll/Select We're not sure if being in a pay-status is important to TriCare; only that you are age 60 or older to be eligible for...
by elcadarj
Wed Nov 20, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: Water heater - am I getting ripped off
Replies: 58
Views: 4613

Re: Water heater - am I getting ripped off

Get a quote w/installation from a big box like Lowe's or Home Depot.
by elcadarj
Wed Nov 20, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: computers/programs/sites changing
Replies: 24
Views: 1979

Re: computers/programs/sites changing

Get one from your Guru. Trust but verify. For that money, make sure it has the following: - 1TB SSD Drive. This cannot be stressed enough. - 16GB RAM For your use the choice of processor and graphics card are not very important. Even an entry-level processor is very powerful (eg. 2-core 3.9GHz i3) ...
by elcadarj
Wed Nov 20, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Opposite federal income tax withholding: I was paid instead of having to pay
Replies: 6
Views: 799

Re: Opposite federal income tax withholding: I was paid instead of having to pay

I noticed my current November paycheck deposit is $126.43 higher than previous paychecks despite no changes in wage, withholding, benefits, etc. Looking closely at my paycheck, it appears -$22.39 was deducted from my previous Octobervpaychecks on the line labeled "TX Withholding Tax Federal". On my...
by elcadarj
Fri Nov 15, 2019 10:53 am
Forum: Personal Investments
Topic: Ultra Short Term Treasury ETFs
Replies: 40
Views: 3971

Re: Ultra Short Term Treasury ETFs

Try this site, it has list of 18 ultra short fixed-income etfs: https://www.etf.com/channels/ultra-short-term-etfs
by elcadarj
Mon Nov 11, 2019 8:03 pm
Forum: Personal Consumer Issues
Topic: Hi Def Audio listening
Replies: 22
Views: 1453

Re: Hi Def Audio listening

Background music you say. You all sound like a good use-case for a Sonos system combined with a music subscription like Apple Music, Amazon Prime, Spotify, etc. I would suggest you contact an advisor at Crutchfield: https://www.crutchfield.com/brands/sonos.aspx?us=1&osp=sonos Edited to add: for my o...
by elcadarj
Fri Nov 08, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Recommendation
Replies: 6
Views: 775

Re: HSA Recommendation

You can't have an HSA with Tricare. Tricare plans ' deductibles are too low to qualify as High Deductible Health Plans under IRS rules. IRS Publication 969 page 3: https://www.irs.gov/pub/irs-pdf/p969.pdf Edited to correct: You can't contribute to an HSA while under Tricare. If you already have an H...
by elcadarj
Fri Nov 01, 2019 11:00 pm
Forum: Personal Consumer Issues
Topic: Costa Rica
Replies: 14
Views: 1953

Re: Costa Rica

VRBO’d in Jaco. Nice little beach town good restaurants, nice beaches. Were there during US spring break. Costa Rica follows the American school calendar so the Costa Rican’s were on spring break, too. We did not stay in a resort so we interacted with Costa Rican’s on spring break from San Jose, Eur...
by elcadarj
Wed Oct 30, 2019 5:55 am
Forum: Personal Finance (Not Investing)
Topic: TriCare at age 60
Replies: 10
Views: 1523

Re: TriCare at age 60

Thanks. I've done all the follow up phone calls and emails to PERS-912. Retire Pay package submitted 04/08/2019 and I have email confirmation from PERS that my package has been received. Website has blanket statement that they're working packages submitted in Feb 2019. When I submitted PERS suggeste...
by elcadarj
Tue Oct 29, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: Furnace air filters
Replies: 37
Views: 3305

Re: Furnace air filters

it all depends on you system. This is often recommended because the expensive ones can greatly reduce the airflow for the furnace leading to the motor burning out early and/or low efficiency. This often true of older systems (over 30 years old) and under-sized units from the 1990s (often done in th...
by elcadarj
Tue Oct 29, 2019 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: TriCare at age 60
Replies: 10
Views: 1523

TriCare at age 60

Any retired reservists out there who have moved to TriCare Select at age 60? My 60th birthday is rapidly approaching but the Navy Personnel center is way behind in processing retirement paperwork. Is the transfer from TriCare Retired Reserve to TriCare select automatic or do I need documentation fro...
by elcadarj
Wed Oct 16, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Dishwasher Finally Installed - Sample Tabs [of Finish Quantum Power Ball Tabs]
Replies: 29
Views: 1608

Re: Dishwasher Finally Installed - Sample Tabs

I'm in the "can't be bothered crowd". Finish Power Ball Max tabs are on sale at Costco now for $11.99 for 125 count. They work great, dishes always clean with no film. So less than $0.10 per load and we run our dishwasher every other day as empty-nesters. Pretty inexpensive convenience IMHO.
by elcadarj
Wed Oct 02, 2019 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Wedding Finances-Today
Replies: 107
Views: 9552

Re: Wedding Finances-Today

....Example: a couple of folks have suggested a wedding planner, which I'd not considered. I'm retired and have organized events in the past but the suggestion was made that a wedding planner who knows vendors can negotiate price. If I pay a planner X and s/he saves me 5X, that's worth considering....
by elcadarj
Wed Sep 25, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: Where do you buy parts for DIY Auto repairs
Replies: 46
Views: 3817

Re: Where do you buy parts for DIY Auto repairs

I have used Zerex Asian (blue) coolant in my Suzuki without problems. The same coolant lists Subaru one of the makes it is compatible with. You can buy it from Zoro or sometimes from WalMart. When comparing fluids, Google the Safety Data Sheets (SDS) for the products you’re comparing. If the ingred...
by elcadarj
Tue Sep 24, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC or reverse mortgage?
Replies: 22
Views: 1421

Re: HELOC or reverse mortgage?

If opting for a HELOC it's important to understand the draw period and payment requirements. My own HELOC has a 10 year draw period (I'm 4 years in and it goes faster than you think) and the required payments are pretty large in proportion to balance. Yes, shop around for terms. E.g. NFCU's HELOCs ...
by elcadarj
Fri Sep 20, 2019 7:31 am
Forum: Personal Consumer Issues
Topic: What generalist books attempt to explain human nature?
Replies: 39
Views: 3040

Re: What generalist books attempt to explain human nature?

The rise and fall of a stock swindler in 1870 London, “The Way We Live Now”, Anthony Trollope. There’s nothing new under the sun.
by elcadarj
Thu Sep 19, 2019 6:20 pm
Forum: Personal Consumer Issues
Topic: Can anyone recommend an affordable TV stand wide enough for a 65" TV?
Replies: 28
Views: 1761

Re: Can anyone recommend an affordable TV stand wide enough for a 65" TV?

Use a table top mount like this: https://www.amazon.com/Fitueyes-Universal-Tabletop-Adjustable-Tempered/dp/B018I1XTFU/ref=pd_cp_23_4/135-3803855-5806932?_encoding=UTF8&pd_rd_i=B018I1XTFU&pd_rd_r=5d1a8070-756d-415c-b333-c82785c65d7e&pd_rd_w=Mf0bu&pd_rd_wg=v72nS&pf_rd_p=ef4dc990-a9ca-4945-ae0b-f8d5491...
by elcadarj
Wed Sep 18, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: Laptop for a student
Replies: 8
Views: 858

Re: Laptop for a student

Check with the community college IT department to see what they recommend and support. Our DS's college was Lenovo and Apple.

ETA: And they may have student discounts.
by elcadarj
Wed Sep 18, 2019 3:37 pm
Forum: Personal Investments
Topic: Please help me invest a little sentimental mad money
Replies: 40
Views: 2831

Re: Please help me invest a little sentimental mad money

It sounds like your mom was a self sacrificing type, the sort a good parent should be. I would take the money and put it in a dividend etf (one example DGRO) and take the dividends on it and use the dividends for special treats. And as I enjoyed that treat, I would thank mom every time. Maybe it is...
by elcadarj
Wed Sep 18, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: Long Distance Mover from Rockville MD to Bellevue WA
Replies: 16
Views: 1345

Re: Long Distance Mover from Rockville MD to Bellevue WA

If the sofa, loveseat, desk and chairs are not family heirlooms or otherwise have significance for your parents, here's what I'd suggest: Sell or donate the furniture, pots, pans etc. in Rockville and purchase replacement furniture and household goods in Bellevue. Assuming they will be flying from ...
by elcadarj
Tue Sep 17, 2019 8:40 am
Forum: Personal Consumer Issues
Topic: Vacation ideas for February
Replies: 48
Views: 4342

Re: Vacation ideas for February

East Cape of Cabo San Lucas. Either resort or VRBO house, depending on how lazy.
https://www.cabo.com/east-cape/
by elcadarj
Wed Sep 11, 2019 8:53 am
Forum: Personal Finance (Not Investing)
Topic: When do you start gifting the max to your family members? When is enough NW totally enough?
Replies: 80
Views: 10040

Re: When do you start gifting the max to your family members? When is enough NW totally enough?

WWWBD? Lot's of Buffett fans here so here's a quote from this article in Forbes, doesn't help with the NW question but gives a idea as to, "should I give and how much?": https://archive.fortune.com/magazines/fortune/fortune_archive/1986/09/29/68098/index.htm ETA: The article also discusses when. "Bu...
by elcadarj
Wed Sep 11, 2019 8:05 am
Forum: Personal Finance (Not Investing)
Topic: How can I acheive 2% using fixed income instrutments
Replies: 22
Views: 2374

Re: How can I acheive 2% using fixed income instrutments

mptfan wrote: Mon Sep 09, 2019 1:51 pm Vanguard short term investment grade fund, VFSUX.
+1

Or, same idea but in ETF space, iShares 0-5 Year Investment Grade Corporate Bond ETF, SLQD, https://www.etf.com/SLQD#overview
by elcadarj
Tue Sep 10, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Where to go "borrow" fast upload speed
Replies: 10
Views: 897

Re: Where to go "borrow" fast upload speed

I have a need for faster upload speed than I have at home tomorrow. Any leads on where I might borrow some fast upload WiFi? I live in a medium size city. Thanks. Here’s a pcmag article comparing coffee shops’ Wi-Fi: https://www.pcmag.com/article/363095/the-fastest-free-nationwide-wi-fi ETA: looks ...
by elcadarj
Wed Sep 04, 2019 9:20 pm
Forum: Personal Consumer Issues
Topic: Italy in September
Replies: 35
Views: 2549

Re: Italy in September

If you are wine drinker this blog on vino sfuso may be interesting: https://blog.studentsville.it/in_floren ... -in-italy/.
by elcadarj
Wed Aug 28, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: Getting Ready for Windows 10
Replies: 39
Views: 3471

Re: Getting Ready for Windows 10

Well, that was easy. Defender took over as soon as I uninstalled McAfee. Will it be this easy on my W7 system with Norton and Security Essentials? My Norton subscription expires a couple months before MS discontinues W7 support. Yes. I'm currently running the Microsoft Security Essentials and Malwa...
by elcadarj
Wed Aug 28, 2019 1:32 pm
Forum: Personal Investments
Topic: Retirement - Change Investment Strategy
Replies: 10
Views: 2118

Re: Retirement - Change Investment Strategy

Since you say you have the time to research, I suggest you study this thread: “The One-Fund Portfolio as a default suggestion” https://www.bogleheads.org/forum/viewtopic.php?p=4703446#p4703446 . ETA - The thread is a discussion of the suitability of selecting a single, self-balancing ETF for both ne...