Search found 380 matches

by Taz
Sat Sep 21, 2019 8:14 am
Forum: Investing - Theory, News & General
Topic: Spreadsheets
Replies: 75
Views: 5134

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: 1477
Views: 151804

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: 21735

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: 834

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: 1477
Views: 151804

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: 1477
Views: 151804

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: 1873

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: 2065

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: 540

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: 540

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: 598

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: 598

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: 90
Views: 5172

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: 1617

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: 21286

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.
by Taz
Mon Jul 01, 2019 8:31 pm
Forum: Personal Consumer Issues
Topic: Are you a serious DIYer?
Replies: 84
Views: 6187

Re: Are you a serious DIYer?

I'll give it a shot after reviewing YouTube videos. Sometimes it's worth it to pay a pro to learn the right way to do it

To quote Dirty Harry, "A man's got to know his limitations."
by Taz
Mon Jun 24, 2019 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Wife considering returning to work
Replies: 40
Views: 4740

Re: Wife considering returning to work

When our first child was born, my wife left work as an engineer and remained a SAH parent for 11 years until I retired from the military. We then flopped the SAH duties. While multiple moves including overseas would have made FT work for her difficult, the primary reason for one of us to stay at hom...
by Taz
Mon Jun 17, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: What to read prior to visiting ancient sites in Athens?
Replies: 18
Views: 1190

Re: What to read prior to visiting ancient sites in Athens?

motorcyclesarecool wrote:
Mon Jun 17, 2019 6:24 am
Highly recommend “The Landmark Thucydides” which is a fresh, modern translation that includes lots of additional information about the period.
Agree. We used this volume at the Naval War College. (Lots of illustrations for the pilots.)

Taz
by Taz
Mon Jun 17, 2019 6:42 am
Forum: Personal Consumer Issues
Topic: Is it a waste of money having heat pump checked every year?
Replies: 7
Views: 1140

Re: Is it a waste of money having heat pump checked every year?

I skipped a year and the tech found water had accelerated the rusting of the capacitors. He also found that the previous company had placed the wrong size capacitor on the compressor side. Finally, he found that the manual "pull" outside breaker had partially melted possibly due to arcing necessitat...
by Taz
Sat Jun 15, 2019 9:07 am
Forum: Personal Investments
Topic: Morningstar Retirement Manager feedback
Replies: 5
Views: 742

Re: Morningstar Retirement Manager feedback

Apparently it has been around for awhile. I've done internet searches and it is/was offered in a number of plans. Here's a few: Farm Credit Foundation City of Atlanta State of Nevada State of Hawaii Univ of North Texas dbr - I'm sorry if I came across a bit defensive as your comments were spot-on as...
by Taz
Fri Jun 14, 2019 5:07 pm
Forum: Personal Investments
Topic: Morningstar Retirement Manager feedback
Replies: 5
Views: 742

Re: Morningstar Retirement Manager feedback

dbr, I am part of management and led the search committee which advised the CEO who made the decision. As co-plan administrator, I do the grunt work and do know the details of the plan. Neither I nor the company are advising ANYONE on what to select or whether to chose a particular option, but on th...
by Taz
Fri Jun 14, 2019 6:25 am
Forum: Personal Investments
Topic: Morningstar Retirement Manager feedback
Replies: 5
Views: 742

Morningstar Retirement Manager feedback

Greetings. Our new company 401(k) plan, Vanguard managed by Ascensus, includes Morningstar Retirement Manager - purely a robo-advisor product. Two options with the portfolio recommendation feature: 1) Managed by You which is free, and 2) Managed by Morningstar which costs 0.35% annually. There are 4...
by Taz
Wed Jun 12, 2019 6:22 am
Forum: Personal Investments
Topic: My Retirement "Catch Up" plan. Please help/critique.
Replies: 23
Views: 3471

Re: My Retirement "Catch Up" plan. Please help/critique.

The Expense fee on the 401k ... I called Nationwide and learned that fee breakdown is the following. The offer Vanguard fund that has a cost of 0.20 on top of it they add 1.56% Out of the 1.56, Nationwide takes 38% and our "adviser" takes 62%. I also learned that Nationwide was sued a few years ago...
by Taz
Sat Jun 08, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1477
Views: 151804

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

Finished Endgame (on Amazon Prime), a short-lived Canadian drama about a Russian chess grand-master afraid to leave his hotel who solves mysteries. Interesting character. Disappointed that it ended after 13 episodes.

Taz
by Taz
Fri Jun 07, 2019 8:24 pm
Forum: Personal Investments
Topic: New ADP 401k just dropped. Which funds? Portfolio shuffle?
Replies: 16
Views: 1866

Re: New ADP 401k just dropped. Which funds? Portfolio shuffle?

Our small company is switching out of ADP because our fund selection was terrible and the ERs/12-b1 fees were too high. Best fund was a 0.57 State Street Index 500. Only 4 index funds offered. When I had the initial notification talk with ADP today I was asked what they could do to keep us there. My...
by Taz
Fri Jun 07, 2019 6:30 am
Forum: Personal Consumer Issues
Topic: Help:Finally cutting the cord with U-verse...
Replies: 14
Views: 1034

Re: Help:Finally cutting the cord with U-verse...

Dropped Ooma for two major reasons: (1) Almost everyone calls on our cell phones, and (2) even the premium service was terrible at stopping spam. Other reasons: Ooma handsets were beginning to have problems and it was a pain to have to run to phone by the "box" just to get another robocall. The cost...
by Taz
Tue May 28, 2019 5:59 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 505
Views: 67960

Re: Name something you had to have and now you regret purchasing it?

telemark wrote:
Fri Jun 01, 2018 1:51 pm
A bag of pinon flavored coffee I picked up in Albuquerque. I thought there would be just a subtle hint of pinon nuts, but I can't even taste the coffee beans. Oh, well.
Received a bag as a gift from FIL. Struggled to finish the bag but it was the only thing in the house except for old decaf.
by Taz
Sat May 18, 2019 7:41 am
Forum: Investing - Theory, News & General
Topic: Help me design a 401k fund menu
Replies: 36
Views: 2065

Re: Help me design a 401k fund menu

We are in the process of moving our company's 401k's to Vanguard. Here is the sample line-up they gave us as a starting point. Target Date Vanguard Inst'l Target Retirement 2065 VSXFX 0.09% Target-Date 2065+ Vanguard Inst'l Target Retirement 2060 VILVX 0.09% Target-Date 2060 Vanguard Inst'l Target R...
by Taz
Mon May 06, 2019 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Educational pathway(s) for future engineer
Replies: 89
Views: 4329

Re: Educational pathway(s) for future engineer

You may find that universities will find ways to help pay for the 5th year. No longer our dependent because he had gotten married, they gave him a 10 hour tutoring supervisor position (not a TA) plus a full tuition waiver.

Leftover 529 money paid housing and food. It all worked out 😀.
by Taz
Mon May 06, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Educational pathway(s) for future engineer
Replies: 89
Views: 4329

Re: Educational pathway(s) for future engineer

My son was a nuke eng major. He managed to get his BS & master's in 5 years. The downside to this method is that he took fewer courses in his major as several were essentially dual credit. - Used his AP credits credits on humanities/econ and a few calc/physics courses rather than try to jump ahead t...
by Taz
Thu May 02, 2019 1:18 am
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 122
Views: 14745

Re: Tequila and Magaritas

Last year I added slices of datil pepper (medium hot & slightly sweet pepper grown in NE Florida) to about 16 ounces of silver Tequila. Left it in the fridge overnight before making a fresh lime, Grand Marnier margarita. Added a cilantro sprig for garnish. Spicy - slighly tingle on lips. Don't wait ...
by Taz
Sun Apr 28, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: Downsides to Total Wireless as alternative to Verizon?
Replies: 18
Views: 13748

Re: Downsides to Total Wireless as alternative to Verizon?

1. Visual voicemail works on my phone (Moto X4) but not on my wife's phone -- also a Moto 4X. Go figure. 2. Also, trying to stream Hulu at a bowl game so I could watch a different bowl game was spotty - possibly due to conjestion or due to Hulu. For everyday use I have not had a problem. 3. It would...
by Taz
Tue Apr 09, 2019 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Standard Deduction vs Itemizing - Experience this year
Replies: 52
Views: 5519

Re: Standard Deduction vs Itemizing - Experience this year

No SALT impact for us living in FL. In 2018 we donated appreciated shares to fund a Fidelity DAF thinking that we would alternate taking the standard deduction. We are thinking about adding another chunk again this year with an eye toward keeping us below the 24% marginal rate. My wife may retire in...
by Taz
Mon Apr 08, 2019 9:51 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1477
Views: 151804

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

Finished the first 4 seasons of "Longmire" on DVD from our library. It's about a small town Wyoming sheriff. Recommend you read a few of the books first (in sequence) to set the stage.
by Taz
Sat Apr 06, 2019 8:12 am
Forum: Investing - Theory, News & General
Topic: Schwab switching to a subscription-based FP in its digital advisory service
Replies: 22
Views: 2903

Re: Schwab switching to a subscription-based FP in its digital advisory service

OK, is this correct? Assuming I have $1,000,000 to invest. If I used someone like Vanguard's Advisory Service that charges 0.30% AUM I'd be paying them $3,000 per year. If I used this new Schwab service I'd pay $360 per year ($30 per month)... plus the initial $300 start-up fee. Surely I'm missing ...
by Taz
Sat Apr 06, 2019 6:30 am
Forum: Personal Investments
Topic: Leaving First Command Tax Repercussions
Replies: 28
Views: 2224

Re: Leaving First Command Tax Repercussions

We're in the process of liquidating, and moving to Vanguard for some good old index funds. Thank you everyone, it was very helpful to have your advice - and my being insistent concluded with a superior politely assisting me, and removing my (unchosen) personal advisor from our account. It's difficu...
by Taz
Tue Apr 02, 2019 3:51 am
Forum: Personal Consumer Issues
Topic: Installing Hitch on my Subaru Outback
Replies: 51
Views: 2819

Re: Installing Hitch on my Subaru Outback

Very timely topic as i bought a 2018 outback not too long ago and would like to get a hitch installed too. My friend installed the EcoHitch on his 18 outback, doing the work himself, but I’m hesitant about affecting the warranty. The dealer quoted me around $700 total (I’m in Orange County, CA) for...
by Taz
Mon Mar 04, 2019 7:21 am
Forum: Personal Consumer Issues
Topic: Red Wine question
Replies: 29
Views: 3207

Re: Red Wine question

Well I killed the bottle. Nice little Saturday night lol. Last Saturday was Open the Bottle Night. Only off by a week, so how was it? It’s been a while since I’ve heard anyone mention “Open That Bottle Night”. Glad to see it living on! I opened a 1999 Riesling Kabinett this year to celebrate. For t...
by Taz
Mon Mar 04, 2019 6:51 am
Forum: Personal Consumer Issues
Topic: Where to find inexpensive unlocked phone
Replies: 56
Views: 3989

Re: Where to find inexpensive unlocked phone

I bought a $15 Tracfone branded flip phone when I switched my home number to GV. The home number was on Ooma which made the port difficult. After a couple of weeks the number was ported out of Tracfone to GV. Make sure you have the correct account numbers, billing addresses, & pins/passwords correct.
by Taz
Fri Feb 08, 2019 3:53 pm
Forum: Investing - Theory, News & General
Topic: Episode 006: "Bogleheads on Investing" with guest Dan Egan
Replies: 26
Views: 3478

Re: Episode 006: "Bogleheads on Investing" with guest Dan Egan

This one was great...got better and better as the podcast went on...thanks Rick! I liked the first half on how Dan Egan got started. It appeared to me that the discussion moved towards various ways to charge for additional services. Paying for specific advice makes sense for many. But the idea of "...
by Taz
Mon Jan 14, 2019 7:11 am
Forum: Personal Finance (Not Investing)
Topic: too much college savings
Replies: 39
Views: 3726

Re: too much college savings

If your child receives a scholarship, then you can withdraw that amount from the 529 and avoid the penalty - but not the tax. While it has been debated on other threads, you should withdraw the 529 funds in the same tax year that he receives the scholarship. Remember, you are paying taxes on the gai...
by Taz
Mon Jan 14, 2019 6:56 am
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 153
Views: 13932

Re: Shingrix [Vaccine availability]

If you have TRICARE Prime, it is free if you receive it at one the the network pharmacies. For me - Publix, Walgreens, Winn-Dixie, WalMart, and COSTCO. If you have TRICARE for life, it is not free and must be administered in a doctor's office. Vaccine information on the other flavors of TRICARE are ...
by Taz
Wed Jan 09, 2019 5:30 am
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 13744

Re: Recommendations for a 9mm handgun

I'd consider the Smith and Wesson M&P 9 series, particularly the 9c. Solid feel & make, reliable, nice size for carry if you choose but not so small that it feels like something other than a weapon. While some many not like a manual thumb safety, I like that S&W offers the option. I personally shoot...
by Taz
Tue Jan 01, 2019 10:32 pm
Forum: Personal Consumer Issues
Topic: Porting Landline # to Google Voice On The Cheap
Replies: 18
Views: 3367

Re: Porting Landline # to Google Voice On The Cheap

That is a disappointment. Would the same apply if I went with Ooma Telo ? Yes. I used a cheap TracFone to move my ooma home number. It took 2 or 3 days and hours on the phone with the TracFone CSR. There are instructions on the internet such as to use the Ooma company address as your billing addres...
by Taz
Fri Dec 21, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Cell Phone Plan/Carrier Recommendation?
Replies: 59
Views: 6403

Re: Cell Phone Plan/Carrier Recommendation?

Just switched to Total Wireless a few days ago for its $57 22.5 GB shared two lines special. Download speed was 40; upload 4. Will probably never use that much data. My old carrier was Puppy Wireless (another Verizon MVNO) 1 line rate was $26 for 2 GB. Seemed to drop out more. Phones all carrier unl...
by Taz
Sat Dec 08, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1477
Views: 151804

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

Watching Babylon 5.
by Taz
Sat Nov 17, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 82
Views: 8761

Re: Do I need an Amazon Echo??.....

If your criteria is "need" then you can add the Echo to an extremely long list including electricity, beer, index funds, and turnip twaddlers bought while watching late-night television that you don't "need." If your question is "it a useful device that I should consider buying" then my opinion woul...
by Taz
Sun Nov 11, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Military out of state car purchase and taxes.
Replies: 3
Views: 506

Re: Military out of state car purchase and taxes.

Just heed the restrictions on keeping the car out of state. Also, maintain your FL voter registration/vote every election as that will demonstrate your intent to return to FL in case a state such as CA tries to collect taxes if you serve in there.
by Taz
Thu Nov 08, 2018 7:22 am
Forum: Investing - Theory, News & General
Topic: USAA getting out of mutual fund biz
Replies: 51
Views: 9426

Re: USAA getting out of mutual fund biz

I closed out my largely ignored brokerage account with them this spring by transferring an index EFT (CWI) with gains to start a small Fidelity donor advised fund. The account really served no purpose as everything else was at Vanguard and the TSP.