Search found 363 matches

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: 1002

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: 974

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: 701

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: 701

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: 701

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: 3198

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: 1280
Views: 130564

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: 15
Views: 1491

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: 974

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: 64058

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: 29
Views: 1494

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: 4023

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: 4023

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: 13797

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: 10621

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: 5312

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: 1280
Views: 130564

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: 2792

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: 2103

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: 2411

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: 3179

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: 3635

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: 3414

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: 3646

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: 13393

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: 13190

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: 2426

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: 5933

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: 1280
Views: 130564

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: 8639

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: 493

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: 8468

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.
by Taz
Mon Oct 22, 2018 6:04 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1280
Views: 130564

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

Watching the season premiere of Doctor Who right now! Is there a way for cord cutters to watch Doctor Who in the U.S.? The BBC America web site seems to require an account with one of the traditional cable companies. Amazon Prime Video has several seasons. (Note the crack in the wall user image)
by Taz
Mon Sep 24, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Best/worst flavors of Gatorade/Powerade
Replies: 25
Views: 2066

Re: Best/worst flavors of Gatorade/Powerade

Limon Pepino (cucumber lime). Seriously.
by Taz
Sat Sep 15, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: New Light bulbs
Replies: 19
Views: 1915

Re: New Light bulbs

I've been pleased with Hyperikon BR30 Dimmable (65W Equivalent), 3000K Wide Flood Light Bulbs for my kitchen and family room recessed lighting. The six family room cans are on a GE Z-wave dimming switch for manual and smart home control. The kitchen cans are manually controlled. Do not mix LED, CFL,...
by Taz
Mon Sep 03, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1280
Views: 130564

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

Finished the first season of Burn Notice on Amazon Prime. Fun. Rapid pace. While there is an underlying thread the main character is working through, each episode solves a problem for someone & the good guy wins.
by Taz
Fri Aug 31, 2018 6:10 am
Forum: Personal Investments
Topic: how to find 401k fees
Replies: 16
Views: 1619

Re: how to find 401k fees

I like Guideline's basic model and how the fees are transparent but it is still receiving venture capitalists funding and I can't quite understand how it can actually make money in the long run. Perhaps the extra fees from people wanting to use a customized fund approach make the difference. Another...
by Taz
Wed Aug 29, 2018 9:52 pm
Forum: Personal Investments
Topic: how to find 401k fees
Replies: 16
Views: 1619

Re: how to find 401k fees

Plan documents are intentionally vague. Our company directly pays roughly $3000 per year in recordkeeeping and administration fees for 22 people to a large provider. Additionally, each fund has 12b-1 and other fees totaling approx 0.70% going to ADP. Over the course of the year if the plan averaged ...
by Taz
Sat Aug 18, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Time for new phone, Buy or Lease?
Replies: 30
Views: 2220

Re: Time for new phone, Buy or Lease?

Moto X4 from Amazon. Great features including fingerprint lock. It works on all major carriers. I use A Verizon MNVO (Puppy wireless $26 2 GB/month) although I'm probably going to switch to Total Wireless's 2 line shared 15 GB @$57/month. If you want an iPhone, they have a new 32GB SE for $139. The ...
by Taz
Sun Aug 12, 2018 3:41 pm
Forum: Investing - Theory, News & General
Topic: Offering 401k Advice to my coworkers?
Replies: 36
Views: 3619

Re: Offering 401k Advice to my coworkers?

I help administer our small company 401k which is held/run through ADP. (I am still trying to get it moved to VG or Fidelity). If asked, I tell them that I cannot speak for the company, but that I use low cost broad market index funds to approximate my tolerance for risk and that target date funds m...
by Taz
Wed Jul 04, 2018 9:29 am
Forum: Investing - Theory, News & General
Topic: If you tilt toward Small Cap Value, how much do you tilt?
Replies: 38
Views: 3572

Re: If you tilt toward Small Cap Value, how much do you tilt?

SCV tilt is 15% of stocks. Overall stock allocation is roughly 60% (73 TSM + S&P 500, 15 SCV, 12 International (VTIAX)).
I use Vanguard Small-Cap Value Index Admiral (VSIAX) all held in Roth IRA.
by Taz
Wed Jun 20, 2018 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Partial Owner of Inherited Family Farm/Land
Replies: 16
Views: 2437

Re: Partial Owner of Inherited Family Farm/Land

I have no clue what was filled and if it wasn't required to pass on the ownership interest in the properties, then I suspect it wasn't. I have asked my wife to arrange an appraisal as of the date of the death and to specifically break out the separate parcel. We'll go on from there.

Cheers - Taz
by Taz
Sun Jun 17, 2018 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Partial Owner of Inherited Family Farm/Land
Replies: 16
Views: 2437

Re: Partial Owner of Inherited Family Farm/Land

The 55 acre wooded portion is several miles away and somehow ended up with the grandparents who died in the 70s. My FIL has a couple of interested parties so I think it will work out fine. The money would go towards replacing a very old-barely livable small 2BR/1BA house. I expect he will pony up mo...
by Taz
Sun Jun 17, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Partial Owner of Inherited Family Farm/Land
Replies: 16
Views: 2437

Re: Partial Owner of Inherited Family Farm/Land

To clarify: your wife inherited a 1/4 interest in the land as a whole, correct? And a sale of a non-contiguous portion is being considered, and your wife would have a 1/4 interest in this portion? Are all owners in agreement on this plan? 1/4 owner of the180 acre portion and the 55 acre portion. Up...
by Taz
Sun Jun 17, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Partial Owner of Inherited Family Farm/Land
Replies: 16
Views: 2437

Re: Partial Owner of Inherited Family Farm/Land

Gill & bsteiner - thank you both for your thoughts and advice! The lawyer is in the same small county so I think she is a generalist. All portions of the property (about 235 acres total) were held by my wife's father & aunt equally. It is not an active farm & no one lives there. (The aunt's husband ...
by Taz
Sun Jun 17, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Partial Owner of Inherited Family Farm/Land
Replies: 16
Views: 2437

Partial Owner of Inherited Family Farm/Land

My wife inherited 1/4 of a family farm/property from her aunt (who owned 1/2) a little more than a year ago. It is in NE Missouri, not being worked, and land prices have been pretty flat over the years. Her father remains the owner of the other 1/2 owner. My wife's sister received the other 1/4. The...
by Taz
Thu Jun 07, 2018 7:38 am
Forum: Personal Investments
Topic: Just realized that our MFs have high expense ratios
Replies: 28
Views: 3177

Re: Just realized that our MFs have high expense ratios

The wiki has a comprehensive section on rax considerations here https://www.bogleheads.org/wiki/Outline ... _investors

You can also search TLH in the forum and read through multiple threads.
by Taz
Mon Jun 04, 2018 5:17 pm
Forum: Personal Investments
Topic: Just realized that our MFs have high expense ratios
Replies: 28
Views: 3177

Re: Just realized that our MFs have high expense ratios

Those fees are going to drag your returns down. My recommendation is to go ahead move the traditional IRAs amounts into your TSP account(s), and the Roth IRAs into Vanguard, Fidelity, or Schwab depending on where you transfer the taxable holdings (I did this). Over time you can sell / tax-loss harve...
by Taz
Mon May 14, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: Subaru Crosstrek vs Outback
Replies: 32
Views: 3286

Re: Subaru Crosstrek vs Outback

We really like our Outback with Eyesight. In retrospect, I think I should have gone with the 3.6 engine but we got a nice in-stock-end-of-the-month-military discount. Another recommendation: Ours did not come with a hitch and I thought that a 2" receiver would be more flexible than the dealer-instal...