Search found 115 matches

by adestefan
Mon Nov 23, 2020 8:40 pm
Forum: Personal Consumer Issues
Topic: Lost My Subaru Key - What are my options
Replies: 13
Views: 1156

Re: Lost My Subaru Key - What are my options

The manual shows both key ignition and push to start ignition.

If the battery in your fob ever dies you can hold the fob right up to the push to start and hit the start button.
by adestefan
Wed Nov 11, 2020 6:18 pm
Forum: Personal Investments
Topic: Dependent care failed non-disrimination testing-what to do?
Replies: 9
Views: 968

Re: Dependent care failed non-disrimination testing-what to do?

I didn’t think about open seasons being done. Both of ours are currently active through Nov 20. I’m limited so my spouse makes up the difference. I usually don’t know my limit until Nov 15.

Would this qualify as an event to trigger her to allow the change?
by adestefan
Wed Nov 11, 2020 5:57 pm
Forum: Personal Investments
Topic: Dependent care failed non-disrimination testing-what to do?
Replies: 9
Views: 968

Re: Dependent care failed non-disrimination testing-what to do?

Be excite you’re highly compensated?

Do you have a spouse that works? You can make up the difference in their account.
by adestefan
Wed Nov 11, 2020 6:52 am
Forum: Personal Finance (Not Investing)
Topic: High Tax Bracket does Backdoor Roth still make sense?
Replies: 28
Views: 2011

Re: High Tax Bracket does Backdoor Roth still make sense?

Can you move the IRA into your current 401k?
by adestefan
Fri Nov 06, 2020 6:05 pm
Forum: Personal Consumer Issues
Topic: What do you give your adult children at holiday time?
Replies: 175
Views: 12368

Re: What do you give your adult children at holiday time?

Im surprised parents are buying very little for their adult children. My parents spend around $1k me...$1k on sister. Whatever doesnt get spent they just write a check. Remember folks...you cant take the money with you. Better to spend some now on loved ones while the loved ones are still semi youn...
by adestefan
Fri Nov 06, 2020 7:06 am
Forum: Personal Finance (Not Investing)
Topic: 20 year old taking semester off for internship.
Replies: 13
Views: 1040

Re: 20 year old taking semester off for internship.

He should talk to the school. He can likely get credit for the internship and maintain full-time status even though he found it on his own. Worst case there will be a form or two the employer will have to fill out.
by adestefan
Fri Nov 06, 2020 6:25 am
Forum: Personal Consumer Issues
Topic: What do you give your adult children at holiday time?
Replies: 175
Views: 12368

Re: What do you giver your adult children at holiday time?

As someone who has a mother and MIL that fret over this every year I tell them the best gift is nothing. We already have more way more stuff than we need and don’t need any money.

The worst part is they never listen and whatever thing they get us ends up being donated by March.
by adestefan
Wed Nov 04, 2020 5:21 pm
Forum: Personal Consumer Issues
Topic: First time homebuyer. Just got the inspection report on a 100-year-old house. Advice requested...
Replies: 113
Views: 7552

Re: First time homebuyer. Just got the inspection report on a 100-year-old house. Advice requested...

A lot of old house people find old door etc hardware attractive. You can buy this stuff from specialty places, ebay, reproduction places if you need to replace something. Or some stuff can be repaired, often by the homeowner. Most areas that have a good supply of older homes will have a store that ...
by adestefan
Wed Nov 04, 2020 4:57 pm
Forum: Personal Consumer Issues
Topic: Steelcase Gesture: Headrest? Other Models? (Office Chair)
Replies: 23
Views: 1508

Re: Steelcase Gesture: Headrest? Other Models? (Office Chair)

I can’t comment on the headrest, but I got a Gesture last week and it’s the best chair I have ever used. It perfectly fits my back and I use the adjustable arms more than I thought I would. My company uses Herman Miller chairs with a few Steelcase Thinks here and there. Like you the later version of...
by adestefan
Mon Nov 02, 2020 10:04 pm
Forum: Personal Consumer Issues
Topic: First time homebuyer. Just got the inspection report on a 100-year-old house. Advice requested...
Replies: 113
Views: 7552

Re: First time homebuyer. Just got the inspection report on a 100-year-old house. Advice requested...

You’re buying a 100 year old house. Unless it’s a safety issue I wouldn’t expect any concessions.
by adestefan
Mon Nov 02, 2020 8:51 am
Forum: Personal Consumer Issues
Topic: Gifted Education (Primary, Secondary etc) in the US - moving out from Redmond/Seattle-EastSide
Replies: 18
Views: 1184

Re: Gifted Education (Primary, Secondary etc) in the US - moving out from Redmond/Seattle-EastSide

I think that people vastly over-rate highly rated school districts. I currently live in one of the top rated districts in the country and, IMHO, the only difference between it and the moderate-low rated district I graduated from is resources not the level of instruction. If your kid is bright enough...
by adestefan
Sun Nov 01, 2020 9:16 pm
Forum: Personal Consumer Issues
Topic: Suburb Ascent vs Highlander vs Kia Telluride....
Replies: 31
Views: 2721

Re: Suburb Ascent vs Highlander vs Kia Telluride....

I have an Ascent and it’s a fine vehicle. I’ve been through all the Subarus (WRX, Forester, Outback, now Ascent) and the only issue I’ve ever had outside normal wear items in 22 years was a rusted transmission line that I fixed myself in the driveway. I did not like the Highlander nor was the price ...
by adestefan
Sat Oct 31, 2020 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Computer Science Degree or Self Learn?
Replies: 72
Views: 4497

Re: Computer Science Degree or Self Learn?

spend most of my time on figuring out how to analyze programs for correctness and security issues Wow, that sounds interesting. Which job titles have people doing this sort of work? I'm guessing that it falls under QA or infosec? I work in a mostly academic environment so no real titles. I’m the Ch...
by adestefan
Sat Oct 31, 2020 7:35 am
Forum: Personal Finance (Not Investing)
Topic: 2021 IRS inflation adjustments announced
Replies: 36
Views: 4161

Re: 2021 IRS inflation adjustments announced

Tax simplification has been talked about for decades, but never happens. Those that could bring that about do not care to expend the effort, and in fact simplification may be viewed as a negative in some circles. Think of the results of an overly complex tax code: 1) Taxpayers have a much greater c...
by adestefan
Sat Oct 31, 2020 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Computer Science Degree or Self Learn?
Replies: 72
Views: 4497

Re: Computer Science Degree or Self Learn?

The one thing that people forget is there is a difference between a computer programmer and a computer scientist. If all you want to do for the next 40 years is program then go learn computer programming. I have a lot of friends that have degrees in English, history, or physics, but are very good (a...
by adestefan
Fri Oct 30, 2020 5:23 pm
Forum: Personal Investments
Topic: What’s “your number” for each kid’s 529?
Replies: 380
Views: 20395

Re: What’s “your number” for each kid’s 529?

KlangFool wrote: Fri Oct 30, 2020 5:04 pm Do not put 100% of your investment towards your children into college education.
This is something to think about. Thanks.
by adestefan
Thu Oct 29, 2020 8:54 pm
Forum: Personal Investments
Topic: What’s “your number” for each kid’s 529?
Replies: 380
Views: 20395

Re: What’s “your number” for each kid’s 529?

I put in just enough to get the full benefit of state tax deductions. Super rich coming from the person who loves posting "pay your taxes". Those are on posts where people are looking to dig up loopholes into borderline illegal plays to not pay capital gains or, mostly, by people looking ...
by adestefan
Thu Oct 29, 2020 5:24 pm
Forum: Personal Investments
Topic: What’s “your number” for each kid’s 529?
Replies: 380
Views: 20395

Re: What’s “your number” for each kid’s 529?

I put in just enough to get the full benefit of state tax deductions.
by adestefan
Thu Oct 29, 2020 5:18 pm
Forum: Personal Consumer Issues
Topic: Do I Need Norton Security (or similar)
Replies: 23
Views: 1091

Re: Do I Need Norton Security (or similar)

I fully recommend just using the built in Windows Defender, too. You’re introducing more bugs and security issues with any 3rd party software.
by adestefan
Thu Oct 29, 2020 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: US Bank Paying Down Loan with my Escrow Account During Refi
Replies: 17
Views: 927

Re: US Bank Paying Down Loan with my Escrow Account During Refi

You’re getting the $4k back either as a check from US Bank or by not paying the $4k closing. What’s the difference?
by adestefan
Tue Oct 27, 2020 6:16 am
Forum: Personal Investments
Topic: Embracing Personal Capital for Aggregation
Replies: 10
Views: 1116

Re: Embracing Personal Capital for Aggregation

I’ve been using PC for aggregation for a number of years now and it’s great. The way the aggregation works does not concern me from a security point and I’m even a computer security professional.

About every 18 months they’ll contact me, but a quick and polite “No thank you” is all it takes.
by adestefan
Mon Oct 26, 2020 6:59 am
Forum: Personal Consumer Issues
Topic: Noisy Ice Maker Fill
Replies: 12
Views: 712

Re: Noisy Ice Maker Fill

It’s probably normal. I’d also give it some time to get every but if air out of the line.
by adestefan
Mon Oct 26, 2020 5:32 am
Forum: Personal Consumer Issues
Topic: Apple music subscriptions: Am I off base here?
Replies: 16
Views: 1360

Re: Apple music subscriptions: Am I off base here?

"Looking for the collective, honest wisdom here Bogleheads, am I off base?" Yes you are way off base here. If you are unhappy with the Apple's subscription policy you should cancel and take your business elsewhere. Even though I may be unhappy with Apple's policy, my daughter is very plea...
by adestefan
Sun Oct 25, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: Torx Screw Ratchet Set
Replies: 56
Views: 2555

Re: Torx Screw Ratchet Set

Be careful you don’t electrocute yourself, the insides of microwave ovens are dangerous under power. I’ll second this. Even without power microwaves can be dangerous. I’ll fix anything, including old TV tubes, but I’m always hesitant to touch a microwave. Not only because of how dangerous they can ...
by adestefan
Fri Oct 23, 2020 6:49 am
Forum: Personal Investments
Topic: social security nightmare
Replies: 10
Views: 1561

Re: social security nightmare

There’s actually a simple fix; remove the income cap on SS taxes.
by adestefan
Sun Oct 18, 2020 7:07 am
Forum: Personal Consumer Issues
Topic: Pay $120/year for iCloud or switch to Google Photos
Replies: 48
Views: 3404

Re: Pay $120/year for iCloud or switch to Google Photos

Be aware that Google is notorious for randomly shutting down services. The just did this with their Google Music service. I could see them randomly discontinuing their photo storage service, too.
by adestefan
Thu Oct 15, 2020 8:59 am
Forum: Personal Consumer Issues
Topic: Drying Out Moisture Underneath Hardwood Floors
Replies: 15
Views: 1041

Re: Drying Out Moisture Underneath Hardwood Floors

Were the windows open, i.e. was it fairly humid inside your house in August when the cupping started? Humidity levels in a house can cause floors to swell and cup up under pressure so the problem doesn't necessarily mean it is underneath the wood. Wood expands and contracts along it’s width with ch...
by adestefan
Mon Oct 12, 2020 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Putting property in trust for privacy
Replies: 29
Views: 1926

Re: Putting property in trust for privacy

As others have said you and those around you need to be iron clad in your personal security for this to work. In the end, even people who’s actual life depends upon it trip up on something. That’s before you even consider the hyper-connected world of data brokers. So it’s probably not worth the extr...
by adestefan
Fri Oct 02, 2020 11:41 am
Forum: Personal Finance (Not Investing)
Topic: If you have a pension, how do you view it?
Replies: 203
Views: 14391

Re: If you have a pension, how do you view it?

Another one with a small pension that I have 20 years until I can pull anything from it. It has no bearing in anything I do.
by adestefan
Mon Sep 28, 2020 4:26 pm
Forum: Personal Consumer Issues
Topic: New Rolling Stone Top 500 Albums (which is a must buy?)
Replies: 49
Views: 4045

Re: New Rolling Stone Top 500 Albums (which is a must buy?)

got a link to the study? 15 seems too young...i'd think early 20s or late teens makes more sense. Study may be too strong of a word; more like meta-analysis. https://www.nytimes.com/2018/02/10/opinion/sunday/favorite-songs.html After hearing about this I did a little anecdotal research at work and ...
by adestefan
Sun Sep 27, 2020 9:04 pm
Forum: Personal Consumer Issues
Topic: Census 2020 question
Replies: 38
Views: 3566

Re: Census 2020 question

The Census is one of the leaders on data security. They have performed world class research on ways to securely store data and on methods to anonymize any data they release to researchers.

I’d be more concerned giving my phone number to Google to setup Voice than to the Census.
by adestefan
Sun Sep 27, 2020 6:12 am
Forum: Personal Consumer Issues
Topic: New Rolling Stone Top 500 Albums (which is a must buy?)
Replies: 49
Views: 4045

Re: New Rolling Stone Top 500 Albums (which is a must buy?)

There was a study done that showed people’s preference for what they considered the “best” music was what someone listened to when they were around 15 years old. You can tell how old this place swings based on this thread. And it won’t hurt your angelic ears to listen to some Kendrick Lamar, Notorio...
by adestefan
Sat Sep 26, 2020 5:24 pm
Forum: Personal Consumer Issues
Topic: Erasing everything off a computer? Any software?
Replies: 40
Views: 2653

Re: Erasing everything off a computer? Any software?

Why not just take the drive out of the computer and lock it in your desk drawer?
by adestefan
Sat Sep 26, 2020 5:23 pm
Forum: Personal Consumer Issues
Topic: A simpler car.
Replies: 233
Views: 16635

Re: A simpler car.

The people in 2007 complained about the complicated new cars and longed for the simpler cars of 2020.

The people in 2032 are going to complain about the complicated new cars and a going to long for the simpler cars of 2020.
by adestefan
Wed Sep 23, 2020 8:12 am
Forum: Personal Consumer Issues
Topic: Pay Realtor Per Showing
Replies: 47
Views: 3241

Re: Pay Realtor Per Showing

Do you need to buy or is this just FOMO? If it’s bothering you just sit on the sidelines until you’re ready. I do need to buy. I'm not going to be homeless, but apartment living is not working out. I am having difficulty matching my expectations to market realities. It's difficult to a convince mys...
by adestefan
Wed Sep 23, 2020 7:24 am
Forum: Personal Consumer Issues
Topic: Pay Realtor Per Showing
Replies: 47
Views: 3241

Re: Pay Realtor Per Showing

Do you need to buy or is this just FOMO? If it’s bothering you just sit on the sidelines until you’re ready.
by adestefan
Tue Sep 22, 2020 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance App (if you start fresh)?
Replies: 32
Views: 1531

Re: Personal Finance App (if you start fresh)?

I also say YNAB. It has a very ‘current’ interface, so it will resonate with college students, and more importantly, in order to actually use it, it practically requires a complete shift in how most people view money. Interesting. Can you elaborate the shift in view? YNAB is a budget app and philos...
by adestefan
Sat Sep 19, 2020 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Bad time to build a new house?
Replies: 19
Views: 2849

Re: Bad time to build a new house?

I’m not building a house, but instead a swing set for the kids. I called around last week and the price for lumber is up 25-30% from the early spring. A local place that is primarily a commercial lumber yard, but will sell to DIYers now has a $2000 minimum purchase. I was talking to a friend in the ...
by adestefan
Sat Sep 19, 2020 5:02 pm
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 267
Views: 19665

Re: Is Costco worth the $120 membership?

I'm personally not a big fan of their gas station and tire services due to what is usually massive wait times in each. The Sams Club gas station nearby usually costs nearly the same or a few more cents per gallon but lines are usually way less at the times I pass by. Would probably cost more in was...
by adestefan
Mon Sep 14, 2020 4:25 pm
Forum: Personal Consumer Issues
Topic: Books or Courses on leadership that helped your career
Replies: 51
Views: 2695

Re: Books or Courses on leadership that helped your career

I have two pieces of advice. First, management and leadership are two different things. Just because you’re a manager doesn’t make you a leader. Second, don’t take any book or course as prescriptive. I’ve found most of them to range from decent to awful with most towards the awful side. At the same ...
by adestefan
Sat Sep 12, 2020 7:43 am
Forum: Investing - Theory, News & General
Topic: HELOC for Investing During Major Market Downturns. Bad Idea?
Replies: 30
Views: 2031

Re: HELOC for Investing During Major Market Downturns. Bad Idea?

Let’s rephrase:

Should I bet my house on my ability to time the market?
by adestefan
Sat Sep 12, 2020 6:34 am
Forum: Personal Finance (Not Investing)
Topic: So how does CA track residency for tax purposes?
Replies: 37
Views: 2785

Re: So how does CA track residency for tax purposes?

If you’re living in and working in CA for part of the year how about you just pay your taxes?
by adestefan
Fri Sep 11, 2020 12:38 pm
Forum: Personal Consumer Issues
Topic: Wood burning inserts
Replies: 21
Views: 1556

Re: Wood burning inserts

Ten years ago I pulled out an old wood stove insert (with a burned out cat) for a pellet stove insert. They're another option for people that don't want to deal with cutting and splitting wood and don't have natural gas.
by adestefan
Thu Sep 10, 2020 1:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Retirement Funds--Why So Stock Heavy?
Replies: 44
Views: 2707

Re: Vanguard Target Retirement Funds--Why So Stock Heavy?

The bigger change has been Vanguard adding more international to the domestic/international split.
by adestefan
Thu Sep 10, 2020 7:20 am
Forum: Personal Consumer Issues
Topic: How to watch Football (NFL/NCAA) this Season ?
Replies: 21
Views: 1417

Re: How to watch Football (NFL/NCAA) this Season ?

I was really bummed when NFL Redzone pulled out of Sling. I used to sign up for Sling for a few months at $25/mo. Now I’ll be stuck signing up for YTTV again at $65/mo. Oh well. There are some less than scrupulous streams available on Reddit if you know where to look. Plus $10 for RedZone in the sp...
by adestefan
Sat Sep 05, 2020 9:31 pm
Forum: Personal Consumer Issues
Topic: Did your car insurance premium drop recently?
Replies: 37
Views: 2184

Re: Did your car insurance premium drop recently?

I ended up get one month for free from State Farm this summer.
by adestefan
Thu Sep 03, 2020 1:43 pm
Forum: Personal Consumer Issues
Topic: Undergrad College List
Replies: 64
Views: 4613

Re: Undergrad College List

Psychology is a brutal, burn out ridden career. I am not sure how much of shadowing and patient exposure she would be able to get in high school. Our school system has a program where they will match students to mentors across a vast range of careers. The mentorships can range from a few hours of j...