Search found 330 matches

by Taz
Mon Oct 22, 2018 6:04 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 879
Views: 95628

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: 1770

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: 1833

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: 879
Views: 95628

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: Investing - Help with Personal Investments
Topic: how to find 401k fees
Replies: 16
Views: 1499

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: Investing - Help with Personal Investments
Topic: how to find 401k fees
Replies: 16
Views: 1499

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: 2137

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: 3501

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: 2983

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: 2329

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: 2329

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: 2329

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: 2329

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: 2329

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: Investing - Help with Personal Investments
Topic: Just realized that our MFs have high expense ratios
Replies: 28
Views: 3089

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: Investing - Help with Personal Investments
Topic: Just realized that our MFs have high expense ratios
Replies: 28
Views: 3089

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: 2753

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: 1504

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: 1239

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: 2168

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: 787

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: 787

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: 142
Views: 14085

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: 2733

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: 1239

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: 561

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: 1804

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: 2699

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: 1704

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: 1180

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: 3565

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: 5047

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: 1976

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: 2243

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: 7429

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: 1389

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: 1389

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: 11141

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: 1435

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: 5375

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: 2642

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: 1526

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: 12534

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: 14218

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: 1655

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: 5246

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: 11808

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: 4909

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: 5012

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: 733

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...