Search found 314 matches

by Taz
Mon May 14, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: Subaru Crosstrek vs Outback
Replies: 32
Views: 2332

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...
by Taz
Sat Apr 21, 2018 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Questions about donating appreciated fund shares
Replies: 14
Views: 1233

Re: Questions about donating appreciated fund shares

I also had a difficult time trying to do this from the new VG brokerage account setup this past Dec. Previous donations to the same organization were also a pain. I opened a DAF at Fidelity in March and funded it with a ETF sitting in an old USAA account. Gave Fidelity the account number, security &...
by Taz
Sat Apr 21, 2018 6:00 am
Forum: Personal Finance (Not Investing)
Topic: Investment Dashboard Software to Consolidate Accts
Replies: 10
Views: 1045

Re: Investment Dashboard Software to Consolidate Accts

Here is my homemade dashboard. So you found the CSV export from all sources: Roth TIRA, 401k and dump them into one together? Do they all output in different formats? Then pivot tables and charts on the data dump I manually update a master spreadsheet tab that has includes the asset and account typ...
by Taz
Sat Apr 14, 2018 7:03 am
Forum: Personal Consumer Issues
Topic: Spain in May end
Replies: 32
Views: 1870

Re: Spain in May end

If you go to Seville, drive to Porto de Santa Maria / Jerez to visit a couple of sherry bodegas. If you are there at night, ask around for one of the smaller flamenco performances, especially if you are there during Feria (fair) season (dates depend on the city).
by Taz
Tue Apr 10, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: UTMA Check
Replies: 13
Views: 644

Re: UTMA Check

From my experience, most banks don't care who endorses and deposits the check. Depending on the state, UTMAs belong to the "child" at 21 and you didn't say how old your wife was. If it's been a while, it might be a nice gesture to let the her mother keep a bit if she has been the one paying taxes o...
by Taz
Tue Apr 10, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: UTMA Check
Replies: 13
Views: 644

Re: UTMA Check

From my experience, most banks don't care who endorses and deposits the check. Depending on the state, UTMAs belong to the "child" at 21 and you didn't say how old your wife was. If it's been a while, it might be a nice gesture to let the her mother keep a bit if she has been the one paying taxes on...
by Taz
Mon Apr 09, 2018 6:19 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 124
Views: 9995

Re: What have you baked recently?

I also make my own pizza/calzone dough, I'm interested in how other people make it. For normal crust pizza/calzones: 21.25 oz AP flour (1 lb 5 1/4 oz) 1/4 cup olive oil 1.5 tsp salt 1 packet yeast (~2.25 oz) Enough warm (105-110 degree-ish) water to make a supple dough, I add water slowly and let t...
by Taz
Tue Mar 13, 2018 6:31 am
Forum: Personal Finance (Not Investing)
Topic: College costs not covered by 529
Replies: 30
Views: 2451

Re: College costs not covered by 529

Don't forget typical supplies such as paper, notebooks, engineering graph paper (pricey). Cost of copying at the library Laundry (daughter came home & raided the change jar for quarters) Interview clothes. Club costs. Weekend retreats/conferences (although my son's expenses as a volunteer research a...
by Taz
Fri Mar 09, 2018 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Investment Dashboard Software to Consolidate Accts
Replies: 10
Views: 1045

Re: Investment Dashboard Software to Consolidate Accts

Here is my homemade dashboard. Not fancy but good for a high level howgozit. https://drive.google.com/uc?export=download&id=1nbtdZqkXHNHrwArwfIEEKwGmno1aZ0ot I use excel to keep track of each fund/ETF. The type of account (Roth, TIRA, 401k), asset type (Bond, stock, cash), style (intl, TSM, SMCap, e...
by Taz
Fri Mar 02, 2018 6:54 am
Forum: Personal Consumer Issues
Topic: Irish coffee recipes
Replies: 2
Views: 510

Re: Irish coffee recipes

Once or twice a week, on cold winter nights, I like to indulge myself and have an Irish coffee. It helps keep me warm. The recipe I use has a simplicity that a Boglehead can appreciate -- 2 oz Irish cream, 1 oz Irish whiskey, 5-6 oz of coffee. Sometimes I add a little whipped cream on top. Yummy! I...
by Taz
Wed Feb 28, 2018 7:21 am
Forum: Investing - Help with Personal Investments
Topic: how to draw down taxable retirement acct...?
Replies: 20
Views: 1592

Re: how to draw down taxable retirement acct...?

In your taxable account you might:
- Donate appreciated shares to charity and/or setup a donor advised fund
- Stop reinvesting dividends & capital gains distributions and direct them to a Roth IRA
by Taz
Sat Feb 24, 2018 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Should I Pay Learnvest for Financial Advice to Convince Wife?
Replies: 36
Views: 2432

Re: Should I Pay Learnvest for Financial Advice to Convince Wife?

Although you are not making the most of the employer match, your wife is making an effort. I grew up in a family with zero savings so think I can understand her reluctance. I think that that paying for an advisor or third party to convince her may backfire. I know it would probably make ME more defe...
by Taz
Thu Feb 22, 2018 6:32 am
Forum: Investing - Theory, News & General
Topic: Charles Ellis - new book, excerpt
Replies: 5
Views: 1651

Re: Charles Ellis - new book, excerpt

Ending quote from the book excerpt:
“I believe that it’s clearly possible to organize a first-rate group of analysts and portfolio managers into an investment firm that can significantly outperform the market averages.”
Pause.
“And ... I’m wrong!”
by Taz
Wed Feb 21, 2018 7:01 am
Forum: Personal Consumer Issues
Topic: Gorilla Tape for Labels?
Replies: 14
Views: 1001

Re: Gorilla Tape for Labels?

Craft paint pens.
by Taz
Tue Feb 13, 2018 7:25 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2018)
Replies: 28
Views: 3127

Re: madsinger monthly report (January 2018)

Madsinger - I appreciate these reports - thank you. I am curious about the makeup of the newsletter portfolios, although not enough to subscribe to any of them (past performance is no .......) .

BTW, looks great in landscape on my phone.
by Taz
Wed Feb 07, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Retired or close to it -- what do you hold in bond portion?
Replies: 41
Views: 4304

Re: Retired or close to it -- what do you hold in bond portion?

mid-50s retired military, I work part-time and wife works full-time; 2-3 years from retirement

60 stocks /40 bonds & cash. Bond holdings:
56% G Fund
33% Intermediate Term bond funds (IntTerm Index (VBILX); IntTerm Investment Grade (VFICX); EE savings bonds)
7% F Fund (total bond market)
4% Cash
by Taz
Thu Jan 25, 2018 6:57 am
Forum: Personal Consumer Issues
Topic: Smart home lighting: which lights to automate?
Replies: 19
Views: 1684

Re: Smart home lighting: which lights to automate?

Since you are doing a large scale electrical system update (almost all smart lights need a neutral wire), I would recommend replacing your light switches with z-wave switches/dimmers in most areas - particularly where you do not need colored lights or individual light control on a multi-light circui...
by Taz
Mon Jan 22, 2018 6:47 am
Forum: Personal Finance (Not Investing)
Topic: New tax law and changes to paycheck
Replies: 20
Views: 2123

Re: New tax law and changes to paycheck

Last week I updated our payroll module with the 2018 tables. Everyone's take home pay increased. No complaints.

Since we are a small company, I'll remind folks mid-summer to estimate their tax situation - especially those who are married - to make sure the withholding is in the ballpark.
by Taz
Sun Jan 07, 2018 6:12 am
Forum: Personal Finance (Not Investing)
Topic: Life at a crossroad: seeking advice
Replies: 54
Views: 7109

Re: Life at a crossroad: seeking advice

Does option 1 allow you to be the stay-at-home parent? You would save on child care expenses, take on most of the home burdens, and reduce stress on your spouse. Could you consult on the side to add to savings? Most importantly - does your spouse fully support option 1? If not, it would be a non-sta...
by Taz
Thu Dec 28, 2017 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Donating shares from Vanguard
Replies: 17
Views: 1188

Re: Donating shares from Vanguard

I was able to donate stock shares from my Vanguard brokerage account by filling out the online form, scanning that & attaching it to a secure message. I contacted the charity ahead of time to get the info the from required. I phoned Vanguard the next day to confirm. I'm glad yours went well. Are yo...
by Taz
Thu Dec 28, 2017 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Donating shares from Vanguard
Replies: 17
Views: 1188

Re: Donating shares from Vanguard

Regretfully, my attempt to donate shares from my joint taxable "new brokerage" account was a comedy of errors, both on my part and misinformation and confusion on Vanguard's part. It worked fine for the last three years but this left me frustrated. First, I was told to use a different form. Next, th...
by Taz
Thu Dec 28, 2017 7:24 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 61
Views: 10275

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

Amazon has the H&R Deluxe 2017 Fed with the 5% Amazon Bonus for $24.97 (as of 12/28). Break even is sending $300 of your refund to purchase an Amazon gift card to get a $15 bonus added to the card. Also, the software remains in your download library. H&R Block charges $4.99. Not sure I want to feed ...
by Taz
Wed Dec 27, 2017 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Upsizing Real Estate for Location/Ease
Replies: 14
Views: 1316

Re: Upsizing Real Estate for Location/Ease

From the information you provided it seems to me that you can afford to move and that you have your finances well in hand evidenced by being able to max retirement accounts and paying off the previous loan in only a few years. Other pragmatic considerations might be the cost of moving your household...
by Taz
Mon Dec 18, 2017 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: opinions requested on student college decision / financial related
Replies: 87
Views: 4731

Re: opinions requested on student college decision / financial related

If your son wants to go to a private school or out-of-state university are you prepared to foot the bill as well? Inequity between siblings may cause problems down the road.
by Taz
Fri Dec 15, 2017 7:05 am
Forum: Personal Finance (Not Investing)
Topic: What are your favorite tax deductions and credits for 2017?
Replies: 33
Views: 2433

Re: What are your favorite tax deductions and credits for 2017?

Charity by far.
No more AOTC with Florida's Bright Future's Academic Scholarship now paying 100% tuition + $300/semester books as of this fall.
by Taz
Mon Dec 11, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Echo Dot 2nd Gen: What do I do with this gift?
Replies: 12
Views: 1370

Re: Echo Dot 2nd Gen: What do I do with this gift?

Alarm clock. Timer. Voice reminder. Link to your gmail calendar. Keep your shopping list (add to it via voice & use the app on your phone to see what you need while shopping). If you have Amazon Prime (or a Spotify or Pandora account) you can play music & tell Alex to "Stop playing in 14 minutes" if...
by Taz
Fri Dec 08, 2017 7:06 am
Forum: Personal Consumer Issues
Topic: Sous Vide?
Replies: 75
Views: 11959

Re: Sous Vide?

Couldn't sleep so I was up a 4:30 am and saw this thread (I'd looked at other ones before). Surfed over to Amazon and they had a Magicelec SV model as a lightning deal for $45 (was $63). Unless you add all the bells and whistles, I figured these are pretty much the same so why not try a non-brand na...
by Taz
Mon Dec 04, 2017 4:14 pm
Forum: Investing - Theory, News & General
Topic: Florida prepaid college plan. Dumb or undumb?
Replies: 34
Views: 13212

Re: Florida prepaid college plan. Dumb or undumb?

I'm glad we bought (lump sum) prepaid university plans in Dec 2006 for our two kids. Yes, I may have been able to recover post-2008 crash but who knows. In Jan 2009 my wife lost her job for 5-6 months so at least part of college was not going to be a problem. There is something to be said for peace ...
by Taz
Tue Nov 28, 2017 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: New to Forum - Currently at Edward Jones
Replies: 8
Views: 1543

Re: New to Forum - Currently at Edward Jones

My main concern is the tax liability on the Joint-1 account when should I move and sell, Is there a better time to move? /SNIP/ I believe I should move everything in kind and sell at Vanguard, I have spoken with Vanguard and I believe they said everything could move in kind except for the 529 plans...
by Taz
Sun Nov 19, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: Your favorite Costco wines?
Replies: 40
Views: 4523

Re: Your favorite Costco wines?

I just rejoined Costco after a 20 year break because of the free Navy Federal Visa promotion. Haven't tried the Kirkland onesyet but I remembered that in addition to the typical popular wineries, they would had bring in less-well know ones. Last week I found a number of Wine Spectator 92-94 rated Sp...
by Taz
Sat Nov 11, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 138
Views: 10800

Re: Thouhgts about wearing a "uniform"/same thing everyday?

When I attended the Naval War College we worn slacks and coats instead of uniforms four days of the week. (The idea was to encourage more open discourse by minimizing service and rank influence.) About 80% of the males (including me) seemed to look a bit uncomfortable. Lot's of ill-fitting blue jack...
by Taz
Wed Nov 08, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: Coffee
Replies: 51
Views: 4486

Re: Coffee

While nothing compares to the dregs of the pot coming onto the mid-watch, there is something to be said for a nicely roasted small batch of coffee from a local coffee shop. Our UF daughter brought home a bag of medium roast beans from Opus Coffee in Gainesville as a present. Even my not so sophistic...
by Taz
Wed Nov 08, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 4309

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

One thing to consider & research is the track record of a company to provide OS & phone system updates. I have a 2015 Moto X Pure with an Android security patch dated Dec 1, 2016 which was provided in Feb 2017 (Verizon). Google provides the core update but the manufacturer has to build their specifi...
by Taz
Sun Oct 15, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Coverdell logistical questions
Replies: 5
Views: 640

Re: Coverdell logistical questions

Not a lawyer but according to the same IRS Pub: "However, you can make unlimited transfers from one Coverdell ESA trustee directly to another Coverdell ESA trustee because such transfers aren't considered to be distributions or rollovers." The estate ought to be able to transfer to a new custodian/t...
by Taz
Thu Oct 12, 2017 5:51 am
Forum: Personal Finance (Not Investing)
Topic: Coverdell logistical questions
Replies: 5
Views: 640

Re: Coverdell logistical questions

It seems that you could simply change the beneficiary or transfer to an eligible family member as listed in the link below. From IRS Pub 970 (https://www.irs.gov/publications/p970#en_US_2016_publink1000178449): " Rollovers and Other Transfers Assets can be rolled over from one Coverdell ESA to anoth...
by Taz
Thu Oct 12, 2017 5:36 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 88
Views: 11782

Re: 2018 ACA costs arrived

FL Blue small business HMO plan for 8 participants had a 14% increase (last year was 18%, year before about 20%) plus the total out-of -pocket increased $1000. Example of premium cost: Employee only - 9,988 per yr (of which company pays 50%) Premiums are higher since the average age of the covered p...
by Taz
Tue Oct 10, 2017 6:28 am
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 17765

Re: [Boglehead vs Mr Money Mustache philosophies]

I've periodically browsed MMM. Apparently sprinkling F-bombs around is a mark of one's writing ability and commitment to the cause. I appreciate that Bogleheads (or at least the moderators & software) are able to find other words to more precisely communicate their thoughts. I will say that the MMM ...
by Taz
Tue Oct 10, 2017 5:49 am
Forum: Personal Finance (Not Investing)
Topic: 401k Loan and Employer Match
Replies: 6
Views: 690

Re: 401k Loan and Employer Match

The employer match will not count. Also, remember that the loan repayment is made with post-tax dollars.
by Taz
Fri Sep 29, 2017 6:33 am
Forum: Personal Consumer Issues
Topic: Smart Home: Google, Apple, or Amazon?
Replies: 36
Views: 3051

Re: Smart Home: Google, Apple, or Amazon?

The new Amazon Echo Plus, in addition to supposedly better speakers & voice recognition, incorporates a Zigbee radio so that some home automation devices (lights, outlets, motion sensors, etc) will not need a separate hub as long as they stick with "works with Alexa promoted products". The lack of a...
by Taz
Tue Sep 26, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 148
Views: 12731

Re: What is your favorite reasonably priced bourbon?

Knob Creek (not the Maple stuff)
Four Roses Small or Single
Maker's Mark
Bullit rye
1792 (w/ a touch of water)

And if you want to try something different (sweeter & spicy): Alberta Rye Whiskey Dark Batch
by Taz
Sat Sep 23, 2017 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for mid 50 age group
Replies: 35
Views: 3762

Re: Asset Allocation for mid 50 age group

54 (retired military but work part-time; DW full-time) 60 equity / 40 fixed Current breakdown: TSM 70%, SCV 10%, REIT 4%, INTL 16% G Fund 58%, F Fund (TBM) 5%, Interm Bond 20%, TIPS Fund 12%, Cash 5% -- Still vacillating on whether to drop to 55/45. Will probably drop REITs since they are now in TSM.
by Taz
Wed Sep 06, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 68
Views: 6165

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

Need no, but there are lot of not necessary devices that make life a touch easier (and somewhat whimsical). I have 1 Echo, 2 Shows, and 2 dots. I initially bought it to interface with my home automation/smart home stuff to control lights, thermostat, etc. Here's a useful thing that someone else hasn...
by Taz
Sat Sep 02, 2017 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for 40yo Military Member
Replies: 10
Views: 1172

Re: Asset Allocation for 40yo Military Member

JTBX - Yes you can change the beneficiary of the 529. Be aware of the rules on who would qualify beyond your children. You can also gift them the unused portion of the 529 later for grad school expenses. I did that for my son who got married last year. (Also, you can withdraw up to the amount of the...
by Taz
Fri Aug 25, 2017 6:24 am
Forum: Investing - Help with Personal Investments
Topic: What to do with series EE savings bonds?
Replies: 28
Views: 3586

Re: What to do with series EE savings bonds?

The Savings Bond Wizard is a handy tool to manage your EE Bonds, particularly to figure out how much interest you will receive on a particular bond, maturity date, and current yield.

https://www.treasurydirect.gov/indiv/to ... wizard.htm
by Taz
Mon Aug 21, 2017 6:49 am
Forum: Personal Consumer Issues
Topic: School District Quality
Replies: 15
Views: 1819

Re: School District Quality

States vary in how they aggregate data. In our state, the county is the district so you have to narrow your search down to individual schools within a district. Our county is the top ranked district in the state, yet the top schools are congregated in the northern part of the county. The nearby metr...
by Taz
Tue Aug 15, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Spending help: Best use for $800 per month ?
Replies: 18
Views: 2038

Re: Spending help: Best use for $800 per month ?

Jumping into the briar patch here: My wife became a SAHM with the birth of our son and several years later, our daughter. We felt strongly that one parent should stay at home. I took my turn after retiring from the navy and we "swapped." Of course she did all the hard work so I didn't ruin them. Eas...
by Taz
Thu Aug 10, 2017 6:45 am
Forum: Investing - Help with Personal Investments
Topic: Do I have enough to retire-retire from the military
Replies: 42
Views: 4755

Re: Do I have enough to retire-retire from the military

Retired navy almost 11 years -- I think you'll be fine. Random thoughts: - Rather than speculate on your particular specialty, I'll just say that it might be nice to come back to CONUS for a short tour so you can figure out where to live long term and perhaps situate yourself for a job. You might no...
by Taz
Thu Aug 03, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 84
Views: 8484

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

One data point: Toro Personal Pace with larger Briggs & Stratton engine. Three years zero problems & one day it decided not to run for more than 2-3 seconds. I replaced the carburetor & it works fine. Just remember to securely reattach the governor spring. If this happens again, you might just try ...
by Taz
Wed Aug 02, 2017 6:37 am
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 84
Views: 8484

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

One data point: Toro Personal Pace with larger Briggs & Stratton engine. Three years zero problems & one day it decided not to run for more than 2-3 seconds. I replaced the carburetor & it works fine. Just remember to securely reattach the governor spring.
by Taz
Thu Jun 29, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo vs. Google Home: which to get?
Replies: 41
Views: 3959

Re: Amazon Echo vs. Google Home: which to get?

so it sounds like music integration and playback is the MOST significant and used feature of these devices? It's like any non-essential piece of technology - how much effort and expense do you want to put into it. I've always dreamed of having a house computer that I could talk to. I use it to play...