Search found 415 matches

by Taz
Sat May 30, 2020 7:42 am
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 143
Views: 12601

Re: Pandemic buys that have improved quality of life?

Ooni Koda pizza oven. Gas rather than wood fired. Bit of a learning curve but great pizza. Now if I could only find bread flour :( For the best pizza you want to use Italian OO flour, I am able to buy it in 55lb bags from a local distributor who delivers it to my door for $55 https://www.amazon.com...
by Taz
Tue May 26, 2020 6:30 am
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 143
Views: 12601

Re: Pandemic buys that have improved quality of life?

Ooni Koda pizza oven. Gas rather than wood fired. Bit of a learning curve but great pizza. Now if I could only find bread flour :( I've been pondering the gas-fired Ooni myself. Does it get to the high temperatures you'd normally want from a pizza oven? Any likes/dislikes about it you'd care to pas...
by Taz
Mon May 25, 2020 9:08 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 143
Views: 12601

Re: Pandemic buys that have improved quality of life?

Ooni Koda pizza oven. Gas rather than wood fired. Bit of a learning curve but great pizza.

Now if I could only find bread flour :(
by Taz
Tue May 19, 2020 5:54 pm
Forum: Personal Consumer Issues
Topic: Visible wireless. Any experience?
Replies: 20
Views: 2512

Re: Visible wireless. Any experience?

Thank you so much KT785. My wife and I ordered our sim cards yesterday and we should be getting them on Monday. You helped a lot in our decision making process because no matter what someone in Atlanta or NY or Chicago say about service, it is not as relevant for us as someone in San Antonio who ha...
by Taz
Sun May 17, 2020 5:36 am
Forum: Personal Consumer Issues
Topic: Visible wireless. Any experience?
Replies: 20
Views: 2512

Re: Visible wireless. Any experience?

Thank you so much KT785. My wife and I ordered our sim cards yesterday and we should be getting them on Monday. You helped a lot in our decision making process because no matter what someone in Atlanta or NY or Chicago say about service, it is not as relevant for us as someone in San Antonio who ha...
by Taz
Tue Feb 04, 2020 6:56 am
Forum: Personal Consumer Issues
Topic: PSA clean your refrigerator condenser coils
Replies: 4
Views: 1282

Re: PSA clean your refrigerator condenser coils

One suggestion: UNPLUG the refrigerator before shoving a long brush or wand under it. I somehow managed to hit a fan blade :oops: which resulted in a trip to the friendly appliance store and ~$75 in parts to fix the motor.
by Taz
Sat Feb 01, 2020 6:41 pm
Forum: Investing - Theory, News & General
Topic: ESG outperforming - will you add any ESG funds to your portfolio?
Replies: 63
Views: 3846

Re: ESG outperforming - will you add any ESG funds to your portfolio?

No. My rather cynical view is that it is a bunch of vague, inconsistent feel good nonsense.
by Taz
Sun Jan 26, 2020 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Bird Leaving The Nest
Replies: 35
Views: 4730

Re: Bird Leaving The Nest

Daughter (still in college) got a starter Visa in her name from NFCU backed by a savings account with $750. She had a summer internship so she had income. Eight months or so later it was reissued as a regular rewards card with $2,000 limit. We were/are not on the account.
by Taz
Sun Jan 19, 2020 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Florida lowers cost of prepaid college plans....
Replies: 21
Views: 2365

Re: Florida lowers cost of prepaid college plans....

Now I’m confused as well. I did some research 5 years ago when my child was born. I decided to get a vanguard 529 plan instead of Florida prepay. Now I’m wondering if I made the right decision. If the market goes up and tuition rates don't rise too much then I think a 529 would be preferred. It is ...
by Taz
Sat Jan 18, 2020 5:40 am
Forum: Investing - Theory, News & General
Topic: College 529 Statements
Replies: 15
Views: 1105

Re: College 529 Statements

If you rolled over/transferred funds from a different fund company then Vanguard may not have the information to put anything in Box 3 (basis) and you will have calculate the basis in the event you have excess distributions. Our statement only has the distribution amount and the fair market value of...
by Taz
Thu Jan 16, 2020 5:37 am
Forum: Personal Finance (Not Investing)
Topic: Florida lowers cost of prepaid college plans....
Replies: 21
Views: 2365

Re: Florida lowers cost of prepaid college plans....

This recent rate cut prompted me to revisit a lump sum payment for our child. The prepaid plan seems like a decent hedge. But what about room and board? I see that there is a dormitory plan for ~$7k, but it’s not clear whether that is for the entire 4 years or for only one year. If only 1 year, tha...
by Taz
Sat Jan 11, 2020 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Ooma Phone Service - I Do NOT Recommend
Replies: 49
Views: 17070

Re: Ooma Phone Service - I Do NOT Recommend

I think that the days of a dedicated VOIP service may be waning. Ooma's inability to block spam calls (even on it's premier service), cost, handset failure, and our growing reliance on cell phones led me to cancel service 2 years ago and move the home phone number to Google Voice (had to transfer to...
by Taz
Tue Jan 07, 2020 8:56 pm
Forum: Personal Consumer Issues
Topic: Visible wireless. Any experience?
Replies: 20
Views: 2512

Re: Visible wireless. Any experience?

Just switched two numbers from Total Wireless buying two Pixel phones ($200 x 2 rebates). Service is LTE only. Porting in was painful for the first phone. You use their app to oversee the activation. DON'T try to activate until you get their email message or you may mess it up. Plan on using chat, T...
by Taz
Mon Jan 06, 2020 5:35 pm
Forum: Investing - Theory, News & General
Topic: Now is a good time to start tracking your net worth.
Replies: 123
Views: 11363

Re: Now is a good time to start tracking your net worth.

I update and monitor our account balances monthly in a spreadsheet tab which feeds a pretty dashboard view of our stuff such as current status, asset allocation, what and where to re-balance, and expected retirement income stream if we retired today. The retirement table simply uses a 3% withdrawal ...
by Taz
Tue Dec 24, 2019 6:00 am
Forum: Personal Consumer Issues
Topic: What tech wiring in new build house?
Replies: 124
Views: 7312

Re: What tech wiring in new build house?

We are building a home that we might live in for a while. Our current house is wired to the max for tech, but we currently have no home phone and only use wifi for our TV (Roku + YouTube TV). So if it were up to me, all we would have in the new house is electrical outlets. But that might not be goo...
by Taz
Sun Dec 15, 2019 5:44 am
Forum: Personal Investments
Topic: Federal employee asset allocation question
Replies: 14
Views: 959

Re: Federal employee asset allocation question

Quick thoughts: - VBTLX (Total Bond Fund) doesn't belong in taxable as you are paying unnecessary taxes on bond income. I'd sell and move that amount from the C Fund into either the G or F Fund. - International percentage is very low (about 2%). From the sale of VBTLX , I'd buy more VTIAX in taxable...
by Taz
Thu Dec 12, 2019 5:29 am
Forum: Personal Finance (Not Investing)
Topic: USAA Multi Product Discount
Replies: 37
Views: 4614

Re: USAA Multi Product Discount

I just closed our brokerage account with USAA as it only held a few thousand in a money market and an ETF which was transferred in kind to a DAF. I hope that doesn't impact our multi-product discount too much. We still use their credit card, banking, home, auto, and umbrella insurance products. The ...
by Taz
Tue Dec 10, 2019 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard intentionally delaying fund transfer to Fidelity DAF?
Replies: 24
Views: 2716

Re: Vanguard intentionally delaying fund transfer to Fidelity DAF?

Taz wrote:
Tue Nov 19, 2019 5:25 pm
Well, I faxed Fidelity DAF's form to them today to transfer mutual funds in kind from VG. Let's see how long it takes :) .
Just to follow up: The transferred shares were received into our Fidelity DAF account on 12/03. So two weeks which were over the Thanksgiving holiday.
by Taz
Sat Dec 07, 2019 11:44 pm
Forum: Investing - Theory, News & General
Topic: 401K | Salary paychecks + Commission Checks?
Replies: 9
Views: 748

Re: 401K | Salary paychecks + Commission Checks?

People will often increase their 401k contributions based on the amount of the bonus, particularly those who have tight budgets.
by Taz
Sat Dec 07, 2019 7:37 am
Forum: Investing - Theory, News & General
Topic: 401K | Salary paychecks + Commission Checks?
Replies: 9
Views: 748

Re: 401K | Salary paychecks + Commission Checks?

It depends on the plan documents although I can't envision why they would craft a plan to exclude a major source of monetary compensation. We allow employees to change their 401(k) election for the bonus as it is a separate payroll run. It is a pain since any temporary change in payroll settings inc...
by Taz
Thu Nov 28, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Finding happiness
Replies: 32
Views: 3244

Re: Finding happiness

I read that happiness is based upon one's immediate circumstance. So perhaps the question is what path are you seeking that brings you joy, purpose, and sustains you as your circumstances change. Sometimes the path finds you. It isn't simply a first world problem. Not everything revolves around mone...
by Taz
Sat Nov 23, 2019 5:21 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance options, re son graduating college, family coverage
Replies: 17
Views: 1158

Re: Health insurance options, re son graduating college, family coverage

Dregob wrote:
Fri Nov 22, 2019 8:13 am
"OTOH he can stay on our family plan to age 26, and my my plan has no "plus one" option, so cost is same whether 2 or 3 of us"
Agreed, but that is not the case.
Missed that :oops:
by Taz
Fri Nov 22, 2019 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance options, re son graduating college, family coverage
Replies: 17
Views: 1158

Re: Health insurance options, re son graduating college, family coverage

If son is the only "child," then insurance premiums would go down -- Employee + Spouse cost > Employee + Family.
by Taz
Thu Nov 21, 2019 7:47 am
Forum: Personal Investments
Topic: Should we choose ADP as a 401K provider?
Replies: 10
Views: 766

Re: Should we choose ADP as a 401K provider?

We left ADP in July due to high expense ratio funds that included 12-b1 and adviser fees. (ADP CS was always good.) TR Price Target Date funds with a 1.45% expense ratio? We dumped the adviser since the fund choices were abysmal. We were told previously that once the account size increased that the ...
by Taz
Tue Nov 19, 2019 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard intentionally delaying fund transfer to Fidelity DAF?
Replies: 24
Views: 2716

Re: Vanguard intentionally delaying fund transfer to Fidelity DAF?

Well, I faxed Fidelity DAF's form to them today to transfer mutual funds in kind from VG. Let's see how long it takes :) .
by Taz
Sun Nov 17, 2019 8:28 am
Forum: Personal Consumer Issues
Topic: Disney plus streaming deal
Replies: 56
Views: 7284

Re: Disney plus streaming deal

How do I activate my different subscriptions? After you have signed up for the Disney bundle, you will be automatically signed up for Disney+ and ESPN+ and can immediately start streaming. Activating Hulu There are three ways to activate Hulu after your purchase:* On the Disney bundle purchase conf...
by Taz
Sun Nov 17, 2019 6:57 am
Forum: Personal Consumer Issues
Topic: Disney plus streaming deal
Replies: 56
Views: 7284

Re: Disney plus streaming deal

Signed up How do I access Hulu? The Disney+ and ESPN+ logins are identical But it doesnt work on Hulu - who wants me to setup a new account and give them a charge card. I was considering it and already have Hulu so I did some digging yesterday. These are separate apps and you would use the same ema...
by Taz
Sat Nov 16, 2019 8:46 am
Forum: Personal Finance (Not Investing)
Topic: What are the best jobs to downshift into?
Replies: 51
Views: 7842

Re: What are the best jobs to downshift into?

Something to consider when you take on a part-time downshift job is managing job creep (responsibilities and time), especially when working for friends or family in a small business. These complicate extricating yourself from the job when you are ready to go.
by Taz
Fri Nov 15, 2019 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Small business records move and storage costs
Replies: 7
Views: 430

Re: Small business records move and storage costs

I would revisit scanning the records and hire a temp for 1 to 2 weeks. The ongoing storage costs over 7 years ($840/year x 7 years) plus transportation and the cost of having a shredding company destroy them in 7 years will likely be at your personal expense. The company where I work is moving offic...
by Taz
Sun Nov 10, 2019 7:32 am
Forum: Personal Investments
Topic: What’s in your TSP?
Replies: 47
Views: 3736

Re: What’s in your TSP?

We have outside investments as well as TSP and now use the TSP for bonds.
G fund - 67%; F fund = 33%.
by Taz
Fri Nov 08, 2019 7:15 am
Forum: Personal Finance (Not Investing)
Topic: 72t withdrawals and new contributions
Replies: 15
Views: 998

Re: 72t withdrawals and new contributions

Here is a 72t calculator: https://www.dinkytown.net/java/72t-calculator.html It shows that if you start the 72t at age 50, you can pull about $4700/yr for each $100K in the 72t account, for an interest rate of 3% and single life expectancy and the fixed amortization method. The site below says the ...
by Taz
Mon Nov 04, 2019 7:01 am
Forum: Personal Consumer Issues
Topic: Do Semi-Dry, Delicious, Complex But < $15 Wines Exist?
Replies: 29
Views: 3018

Re: Do Semi-Dry, Delicious, Complex But < $15 Wines Exist?

snip -- With colder weather I'm tending toward reds and am currently on a petit syrah quest - there are some nice ones out of Paso Robles. Also, you might enjoy some blended reds, eg Aussie GSMs (or French Cotes du Rhone wines). In response to musselpoint - Petite Petit (Petit Sirah) by Micheal Dav...
by Taz
Tue Oct 15, 2019 9:19 pm
Forum: Personal Investments
Topic: Retirement Portfolio Help (ROTH with Vanguard and TSP)
Replies: 9
Views: 931

Re: Retirement Portfolio Help (ROTH with Vanguard and TSP)

Hi James, Trying to mix a target date fund with individual funds plus having other funds and partial management elsewhere is a chore. Looks like you have about 4% bonds (18.8% of 19% G + F in L2050) in your overall portfolio. If you moved all of your TSP into L2050 then it would move towards your 10...
by Taz
Thu Sep 26, 2019 4:26 am
Forum: Personal Finance (Not Investing)
Topic: new 401(k) plan small business - a few days out of the market?
Replies: 5
Views: 506

Re: new 401(k) plan small business - a few days out of the market?

We transitioned to Vanguard/Ascensus 1 Aug. The balance from the old provider was wired on 31 Jul and was placed in the new funds by Aug 5th. We had to hold contributions for the last paycheck in Jul and the first one in Aug. Your transition agent will go over the schedule, including blackout dates ...
by Taz
Sat Sep 21, 2019 8:14 am
Forum: Investing - Theory, News & General
Topic: Spreadsheets
Replies: 77
Views: 6978

Re: Spreadsheets

I have a few spreadsheets for consolidating various accounts, displaying a dashboard (net worth, gain/loss over previous year, allocation graphics), and tracking cost basis for a couple of college accounts which were rolled over to Vanguard. I update them once a month so it doesn't take up much time...
by Taz
Mon Sep 16, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1924
Views: 208208

Re: [What TV Show Have You Recently Watched?]

Rewatching all three seasons of Detectorists , a BBC comedy which aired from 2014-17, great stuff! We borrowed the DVDs from our public library. The lives of two eccentric metal detectorists, who spend their days plodding along ploughed tracks and open fields, hoping to disturb the tedium by uneart...
by Taz
Sun Sep 08, 2019 6:38 am
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 241
Views: 27027

Re: What is your allocation to U.S. and International?

Overall: 55 stock / 45 bond
Stock: 85 US / 15 intl
Bond: 100 US (G Fund + Vanguard Interm Term Investment Grade and Interm Term Index funds)
by Taz
Tue Sep 03, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Prepaid 529 - refund taxable?
Replies: 12
Views: 915

Re: Prepaid 529 - refund taxable?

We used the Florida prepaid tuition plan and our children received the state's Bright Future's tuition scholarships. The prepaid plan is essentially a guaranteed return 529 plan. The prepaid tuition amount was paid to the school. Since all (most) of the tuition was taken care of by the scholarship, ...
by Taz
Fri Aug 16, 2019 10:00 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1924
Views: 208208

Re: [What TV Show Have You Recently Watched?]

Peter Gunn on Amazon Prime. Corny and simplistic, but the overall jazz vibe is enjoyable. Plus, it is refreshing to watch something with no graphic violence or vulgarity. Probably would be rated PG-13 today due to tobacco use. I love the theme song by Henry Mancini. It is interesting that Blake Edw...
by Taz
Thu Aug 15, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1924
Views: 208208

Re: [What TV Show Have You Recently Watched?]

Peter Gunn on Amazon Prime.

Corny and simplistic, but the overall jazz vibe is enjoyable. Plus, it is refreshing to watch something with no graphic violence or vulgarity. Probably would be rated PG-13 today due to tobacco use.
by Taz
Thu Aug 15, 2019 2:45 pm
Forum: Personal Consumer Issues
Topic: 1) What age did you have your teen get a driver's license?
Replies: 48
Views: 2260

Re: 1) What age did you have your teen get a driver's license?

Both at 16 - a few years apart, and both on or within a few days if their birthday. If I recall, our USAA insurance doubled when the oldest one (male) got his license. We bought a third car after a year and the old minivan was for their shared use.
by Taz
Sat Aug 10, 2019 11:35 am
Forum: Investing - Theory, News & General
Topic: Help me design a 401k fund menu
Replies: 36
Views: 2435

Re: Help me design a 401k fund menu

So to update, the following is what we went with: QDIA: Schwab target index funds Target risk : vanguard life strategy moderate Domestic equity: Schwab total stock, Fidelity midcap and Schwab smallcap index International : vanguard total international and FTSE All world small cap Bonds: federal mon...
by Taz
Fri Aug 02, 2019 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: What happens to your HSA, FSA and 401k true up when leaving company?
Replies: 7
Views: 615

Re: What happens to your HSA, FSA and 401k true up when leaving company?

This may be company dependent. Where I work, if you leave the company, you lose any unspent dependent care FSA balance although you can still get reimbursed for qualified expenses which were incurred before you left the company. They will still do 401k true-up if applicable. Prudent - You are right...
by Taz
Fri Aug 02, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: What happens to your HSA, FSA and 401k true up when leaving company?
Replies: 7
Views: 615

Re: What happens to your HSA, FSA and 401k true up when leaving company?

Funds from a dependent care FSA can be used for reimbursing qualified expenses through the remainder of the plan year. You do not get to keep what wasn't used after the year/period ends. Although you didn't ask --- with a health care FSA the plan will only pay for qualified expenses through your ter...
by Taz
Sat Jul 27, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Help understanding TSP match.
Replies: 9
Views: 678

Re: Help understanding TSP match.

Was trying to keep it simple. :) Here is another TSP.gov link that discusses IRS and TSP contribution limitations, including tax exempt for combat-zone excluded income.

https://www.tsp.gov/PlanParticipation/E ... imits.html
by Taz
Sat Jul 27, 2019 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Help understanding TSP match.
Replies: 9
Views: 678

Re: Help understanding TSP match.

Short answer is that it is up to 5% of your income as long as you contribute 5%. The match does not reduce your contributions and yes, the match is based on income. https://www.tsp.gov/PlanParticipation/EligibilityAndContributions/typesOfContributions.html Some of the details: There is an automatic ...
by Taz
Thu Jul 25, 2019 6:34 am
Forum: Personal Consumer Issues
Topic: Whole Bean Coffee: Worth the effort?
Replies: 89
Views: 6022

Re: Whole Bean Coffee: Worth the effort?

I truly miss my café con leche, I am too lazy to make it, but I do get a fix a couple of times a month at a Cuban cafe we frequent. Broken Man 1999 I've found that using an Aeropress and hot milk comes close. Was stationed in Spain and there was a little shack outside the hanger where you go get a ...
by Taz
Sun Jul 21, 2019 1:28 pm
Forum: Personal Investments
Topic: Voyager Select vs Flagship
Replies: 14
Views: 1811

Re: Voyager Select vs Flagship

I’m thinking that my flagship level will carry over to my kids when they inherit their ugma/utma accounts which will make them fee free for them to hold at the relatively low balances? Plus they can day trade their vanguard accounts for free for the first 25 trades :D . But then they’ll know that d...
by Taz
Tue Jul 02, 2019 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 23500

Re: Do you share your net worth with family members?

No. I told my father we are in a position to help when needed so please let us and we do.