Search found 149 matches

by teniralc
Fri Jan 17, 2020 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Do you plan to actually spend down your portfolio?
Replies: 349
Views: 26853

Re: Do you plan to actually spend down your portfolio?

Ards wrote:
Wed Oct 23, 2019 3:23 pm
Old Guy wrote:
Wed Oct 23, 2019 11:25 am
First world problem.

These forums almost exclusively only discuss first world problems.
What other forums do you read? Just interested to expanding my reading time a bit on some other forums.
by teniralc
Wed Jan 15, 2020 8:25 pm
Forum: Personal Consumer Issues
Topic: Trip to NYC/Broadway
Replies: 55
Views: 2769

Re: Trip to NYC/Broadway

My wife is wanting to take her Mother to NYC to watch Music Man with Hugh Jackman once it starts playing. Neither of us has ever been to NYC or tried to get tickets to a Broadway show. Travel agent or are there "package deals" or is there a better way to go about this? Any advice would be appreciat...
by teniralc
Mon Jan 13, 2020 5:55 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 146
Views: 7426

Re: What are you listening to now

Audio book from local libary, "Devils" by Fyodor Dostoevesky. Fascinating history of culture, society, etc. in mid-to late 19th century Russian. I thought it would be too heavy to listen to but can't seem to put it down. Local library has a nice selection of audio books to check out and listen to on...
by teniralc
Wed Dec 18, 2019 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 893
Views: 146290

Re: High Earners - What's Your Profession?

Hawkeye_Saver wrote:
Sun Jan 12, 2014 8:23 am
I hope its not too personal of a question, but I'm curious what members earning over 100k do for a living. I would like to break that threshold but it won't happen at my current job. Just looking for a little guidance towards something lucrative that might be up my alley.
Musician
by teniralc
Fri Nov 22, 2019 8:39 pm
Forum: Personal Consumer Issues
Topic: Musical Instrument Insurance
Replies: 22
Views: 935

Re: Musical Instrument Insurance

I am looking to get insurance for my daughter's musical instrument and wondered if anyone had any suggestions for reputable insurance companies. I think I found a couple, but just want to shop around a little to make sure I find the best fit. I checked with my homeowners insurance and it's not cove...
by teniralc
Sat Oct 26, 2019 11:11 pm
Forum: Personal Consumer Issues
Topic: Online or software piano lessons
Replies: 18
Views: 1473

Re: Online or software piano lessons

Many thanks for all the responses above. When I first tried my hand at piano some twenty years ago, I found it frustratingly difficult to properly associate the written notes with the piano keys. This despite having played a wind instrument as a youngster and after having maybe 3-4 months of weekly...
by teniralc
Sat Oct 26, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: Online or software piano lessons
Replies: 18
Views: 1473

Re: Online or software piano lessons

I'd recommend a tutor to get you started on the fundamentals, then self-study. I stopped playing due to RSI exacerbation but a live instructor was super helpful to correct the basics of technique... it's far too easy to create and reinforce bad habits that will hold you back when you are trying to ...
by teniralc
Tue Oct 22, 2019 8:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard now supports Yubikey 5 and 5C
Replies: 54
Views: 10373

Re: Vanguard now supports Yubikey 5 and 5C

I have a Mac that is about 4 years old and just activated my yubikey 5 on the VG website with no problems using google chrome for mac. Here is the response I received from Yubikey when I asked them about which key is compatible with the Vanguard site using my Macbook Pro: From Yubico...After testin...
by teniralc
Thu Oct 17, 2019 10:31 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 11172

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

I just don’t get why people are so exasperated over what people spend, in the grand scheme of things, relatively modest amounts of money on. I spent $3500 on my last mattress. I spend 1/3 of my life on it a mattress so I feel like I should drop some decent coin on making that purchase somewhat plea...
by teniralc
Wed Oct 16, 2019 8:36 am
Forum: Investing - Theory, News & General
Topic: Vanguard now supports Yubikey 5 and 5C
Replies: 54
Views: 10373

Re: Vanguard now supports Yubikey 5 and 5C

I don't know why Vanguard even bothers to update a whitelist of security keys instead of just supporting anything plugged in that uses the protocol. Even the crappiest security key is ten times more secure than SMS. It's not a whitelist of security keys, it's a whitelist of browsers. Firefox suppor...
by teniralc
Tue Oct 15, 2019 9:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard now supports Yubikey 5 and 5C
Replies: 54
Views: 10373

Re: Vanguard now supports Yubikey 5 and 5C

FYI for other people who like to use the safety of a hardware key to log into their sensitive accounts, I noticed today that Vanguard has added YubiKey 5 to their list of supported security keys (see https://investor.vanguard.com/security/security-keys). I believe they quietly made this change in r...
by teniralc
Tue Oct 15, 2019 9:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard now supports Yubikey 5 and 5C
Replies: 54
Views: 10373

Re: Vanguard now supports Yubikey 5 and 5C

After the rep saw that I was having the same issue logging in he determined that the 5ci is not compatible because it has a plug on both ends (other end has the lightening plug for an iphone or iPad) and that only keys with plugs on one end will work. And only with the Chrome browser. What happens ...
by teniralc
Tue Oct 15, 2019 9:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard now supports Yubikey 5 and 5C
Replies: 54
Views: 10373

Re: Vanguard now supports Yubikey 5 and 5C

FYI for other people who like to use the safety of a hardware key to log into their sensitive accounts, I noticed today that Vanguard has added YubiKey 5 to their list of supported security keys (see https://investor.vanguard.com/security/security-keys). I believe they quietly made this change in r...
by teniralc
Tue Oct 15, 2019 9:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard now supports Yubikey 5 and 5C
Replies: 54
Views: 10373

Re: Vanguard now supports Yubikey 5 and 5C

After the rep saw that I was having the same issue logging in he determined that the 5ci is not compatible because it has a plug on both ends (other end has the lightening plug for an iphone or iPad) and that only keys with plugs on one end will work. And only with the Chrome browser. What happens ...
by teniralc
Tue Oct 15, 2019 8:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard now supports Yubikey 5 and 5C
Replies: 54
Views: 10373

Re: Vanguard now supports Yubikey 5 and 5C

FYI for other people who like to use the safety of a hardware key to log into their sensitive accounts, I noticed today that Vanguard has added YubiKey 5 to their list of supported security keys (see https://investor.vanguard.com/security/security-keys). I believe they quietly made this change in r...
by teniralc
Mon Sep 30, 2019 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: How does a bank make money off you? How to ensure they don't
Replies: 69
Views: 8382

Re: How does a bank make money off you? How to ensure they don't

I got tired of the incessant and very aggressive sales pitches from the Private Bank at my bank. I understand they are not bad people; they are merely trying to achieve their sales quota. But it doesn't work for me, because I'm a very boring investor who would never buy packaged Private Bank produc...
by teniralc
Mon Sep 09, 2019 6:16 pm
Forum: Personal Consumer Issues
Topic: Anyone with any experience with Warby Parker eyeglasses?
Replies: 37
Views: 3867

Re: Anyone with any experience with Warby Parker eyeglasses?

Where do you go to get your new glasses heated up and adjusted to fit your head? Not the person you asked but when I got glasses from Zenni, I heated a cup of water to boiling in the microwave, dipped the ear portion of the frame into the water for a few moments, and then bent it the way I wanted i...
by teniralc
Mon Sep 09, 2019 5:35 pm
Forum: Personal Consumer Issues
Topic: Anyone with any experience with Warby Parker eyeglasses?
Replies: 37
Views: 3867

Re: Anyone with any experience with Warby Parker eyeglasses?

I just order from Zenni Optical. In 2015 I ordered 2 pairs from a friend that owned who is an optometrist and owns a store and paid $600 for one pair of eyeglasses and 1 pair of sunglasses. They scratched up within 2 years. I ordered a new pair of eyeglasses from Zenni it was $50. The frames were f...
by teniralc
Wed Jul 17, 2019 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: College cost prediction and savings for 5, 3, and newborn
Replies: 102
Views: 6521

Re: College cost prediction and savings for 5, 3, and newborn

I have a 5 and 3 year old with newborn coming. I have started 529 for them all and live in a favorable state for that investment vehicle (Indiana). The question is: how do you accurately predict the cost of college education? I don't want to overfund the 529 (I don't think, but might not be bad ide...
by teniralc
Tue Jun 25, 2019 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: How did you lower your annual expenses?
Replies: 145
Views: 14259

Re: How did you lower your annual expenses?

... only two children to care for, I am just amazed at our spend! What did you do to dramatically reduce your bills? We stopped spending on our children and kicked them out of the house. Best move we ever made. But kids got hand-me-down from cousins and friends. Also we made them eat at their frien...
by teniralc
Sat Jun 15, 2019 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Data Privacy and Security
Replies: 4
Views: 451

Re: Quicken Data Privacy and Security

I am a long-time satisfied Quicken power user. I am generally security and privacy conscious. For example, I make sure my data files are encrypted and usually air gapped. I only run Quicken on a dedicated virtual machine. I am embarrassed to admit that I have not done a deep dive into: 1. Whether o...
by teniralc
Sat Jun 15, 2019 6:13 pm
Forum: Personal Consumer Issues
Topic: Alternatives to car rental for three months?
Replies: 57
Views: 4488

Re: Alternatives to car rental for three months?

We will be staying with relatives for the summer (approximately 2-3 months) and will need a car for that time. Rental cars, even on a monthly rate, are quite expensive (approx. $1,000 / month, not including gas) for what we need (room enough for two car seats plus large stroller). Are there any via...
by teniralc
Sat Jun 15, 2019 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 120
Views: 10416

Re: Article on high deductible health plans - and the math

Unfortunately, sums up a chunk of Americans. 1) People don't have a high level of financial literacy (choosing lower premiums because they are cheaper without realizing the trade-offs) 2) People can't save money Of course, I would guess that the family referenced at the beginning (and other familie...
by teniralc
Sat Jun 15, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: Walking Cities, potential for retirees
Replies: 102
Views: 11191

Re: Walking Cities, potential for retirees

Please share your knowledge of any city, that is a walk able city. ( No need to take the car, for coffee, library, small grocery, etc ) and also retiree friendly. Just looking for ideas to research and understand better Not sure if you like the south, but Knoxville has a very nice small downtown ar...
by teniralc
Sun Jun 09, 2019 10:46 pm
Forum: Investing - Theory, News & General
Topic: Insights From a Long Call With Vanguard Reps Today
Replies: 86
Views: 17897

Re: Insights from Vanguard

Sure. Just to clarify: they did mention ETFs were cheaper to run for them, which is why they were encouraging customers to use them so that they could benefit from the lower prices. I thought this "ETFs vs. mutual funds: A comparison" article from Vanguard was a helpful introductory comparison: htt...
by teniralc
Sun Jun 09, 2019 11:31 am
Forum: Investing - Theory, News & General
Topic: Insights From a Long Call With Vanguard Reps Today
Replies: 86
Views: 17897

Re: Insights from Vanguard

... Vanguard is clearly pushing ETFs. It’s very unlikely they’ll lower the ERs on the mutual funds to match the lower prices of their corresponding ETFs (e.g. 0.07% for VTMGX, 0.05% for VEA). ... Vanguard does not raise or lower expense ratios, regardless of whether they would prefer their customer...
by teniralc
Sat Jun 08, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: iPad for notetaking with stylus
Replies: 10
Views: 851

Re: iPad for notetaking with stylus

We're looking at options for using an iPad to take notes while meeting with clients. Using a stylus and the iPad like a pad of paper seems friendlier than typing with a keyboard. The Apple Store rep was fairly clueless when it came to answering questions related to business use. (And, for the first...
by teniralc
Sat Jun 08, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy more life insurance?
Replies: 25
Views: 1467

Re: Should I buy more life insurance?

Hi folks! Looking for some life insurance advice. Here are the key facts: - Family: me and spouse (age 44), and two kids (ages 5-10) - My income: $550k - Spouse income: $20k (small, part-time biz) - Location: Bay Area, CA Current life insurance policies: - Me: $1.75M 30 year term policy, expires ag...
by teniralc
Fri Jun 07, 2019 10:27 am
Forum: Investing - Theory, News & General
Topic: Social Security Question
Replies: 15
Views: 1310

Re: Social Security Question

Currently Social Security is on track to reduce benefits in 2035 unless the laws are changed. Does this fact affect anyone's decision as to when to take Social Security. I am currently taking spousal benefits and am waiting till age 70 to start my own. Just curious as to the thoughts about this. So...
by teniralc
Fri Jun 07, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Quicken alternatives?
Replies: 47
Views: 4342

Re: Quicken alternatives?

... Can anyone confirm Moneydance auto-downloads transaction data from Ally Bank? It doesn't seem to. I don't think it does. Here's the list of supported banks: https://infinitekind.com/fi And a support article: https://infinitekind.tenderapp.com/kb/online-banking-and-bill-pay/automatic-downloads B...
by teniralc
Thu May 23, 2019 9:51 am
Forum: Personal Investments
Topic: Vanguard "advisors" vs. "Self-managed" accts
Replies: 8
Views: 1026

Re: Vanguard "advisors" vs. "Self-managed" accts

Thanks for the ideas
by teniralc
Thu May 23, 2019 9:11 am
Forum: Personal Investments
Topic: Vanguard "advisors" vs. "Self-managed" accts
Replies: 8
Views: 1026

Vanguard "advisors" vs. "Self-managed" accts

When I login to the Vanguard site, it is advertises, "Partner with a Vanguard Advisor." Then below this, the heading above the listing of all my accounts says, "Self-managed accounts." My first instinct was skepticism that Vanguard is being more aggressive in selling advisement services. Is there a ...
by teniralc
Mon May 20, 2019 10:11 pm
Forum: Personal Consumer Issues
Topic: Best SIM card for travel in Europe?
Replies: 38
Views: 3093

Re: Best SIM card for travel in Europe?

I'm going to Europe with my family in a few weeks. I'm looking for SIM cards for everyone: - Must be valid for duration of trip (~20d) - Will push everyone to rely mostly on hotel wifi, don't expect heavy data use when roaming (ie. No youtube, instagram etc) - Should work in all of Europe - Hope to...
by teniralc
Mon May 20, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: Wiper blade replacement
Replies: 30
Views: 2877

Re: Wiper blade replacement

I seem to recall that, at one time, you could just replace the rubber part of the wiper blade (low cost), but now (as I replaced the driver side one yesterday) - you can only get the replacement of the whole blade assembly. Have things changed, or did I just make the wrong (and more expensive) choi...
by teniralc
Thu May 16, 2019 6:59 pm
Forum: Investing - Theory, News & General
Topic: Amazon....we all have seen this before :)
Replies: 62
Views: 9425

Re: Amazon....we all have seen this before :)

Even buying from Amazon direct is no guarantee of quality. Yes, you will get your money back, but Amazon's own warehouses are filled with counterfeit and damaged product. (All of the items we'd purchased were shipped direct from Amazon). Amazon allows small time sellers to procure their own product...
by teniralc
Thu Mar 21, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Best Bank for Newlyweds
Replies: 27
Views: 1951

Re: Best Bank for Newlyweds

If one/both of you have student loans heading into the marriage, well, those loans become your combined responsibility, and any income-based repayments on such loans could be affected. You might be losing tax deductions as a result. Is this correct? Maybe I'm mis-understanding the statement. I thou...
by teniralc
Wed Mar 20, 2019 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Best Bank for Newlyweds
Replies: 27
Views: 1951

Re: Best Bank for Newlyweds

If one/both of you have student loans heading into the marriage, well, those loans become your combined responsibility, and any income-based repayments on such loans could be affected. You might be losing tax deductions as a result. Is this correct? Maybe I'm mis-understanding the statement. I thou...
by teniralc
Sat Feb 02, 2019 12:04 am
Forum: Personal Consumer Issues
Topic: Connect cell phone to house line
Replies: 26
Views: 2346

Re: Connect cell phone to house line

To be honest this seems all very complicated and likely not to be very seemless. The easy way is to just get used to carrying your cellphone with you. If you really don’t want to do that you could always get a smart watch, as cheap as Fitbit as expensive as Apple Watch, which at minimum will buzz y...
by teniralc
Wed Jan 30, 2019 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up Will, do we need trust?
Replies: 50
Views: 4094

Re: Setting up Will, do we need trust?

We have a meeting scheduled with an attorney next week to set up a Will, do we need a Trust too? We have two adult children. Our assets are investments, savings account and a house that we are living in. We have no real estate, no properties. Thanks ahead for your input on the subject. Wouldn't thi...
by teniralc
Sun Oct 14, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity "FidSafe" Free online storage of documents - is this safe?
Replies: 49
Views: 10178

Re: Fidelity "FidSafe" Free online storage of documents - is this safe?

I store these types of documents in 1Password Family and in Dropbox. Though 1Password family only gives I think 1gig of space, these pdf documents don’t take up much storage and it makes it easier for me to manage-family each has their own “vault” and when I change something they get the changes in ...
by teniralc
Sat Oct 13, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3859

Re: Budget Coffee

Jazzysoon wrote:
Thu Oct 11, 2018 4:17 pm
Peets Major Dickasons - Target usually has it on sale for 7.99/12 oz. Roasted date printed on front of bag.
+1
by teniralc
Sat Sep 29, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: College Student Performance Issues
Replies: 83
Views: 4919

Re: College Student Performance Issues

When they are 18 or older, the privacy laws will not allow parents to communicate with professors about academic issues. But, as many parents pay the fees for the student, parents can certainly communicate directly with the student to know what grades/assignments are due. There are services on campu...
by teniralc
Mon Aug 13, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 50
Views: 2951

Re: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)

When our DD was in Ecuador, we made do with Whatsapp and Skype. She was given a phone from a friend who had previously been to Ecuador, that's what she used there. It was pay-as-you-go, we never had her on a plan. Obviously, Europe might be different--it's probably easier to get a phone or plan the...
by teniralc
Mon Aug 13, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 50
Views: 2951

Re: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)

When our DD was in Ecuador, we made do with Whatsapp and Skype. She was given a phone from a friend who had previously been to Ecuador, that's what she used there. It was pay-as-you-go, we never had her on a plan. Obviously, Europe might be different--it's probably easier to get a phone or plan the...
by teniralc
Sun Jun 10, 2018 2:33 pm
Forum: Personal Investments
Topic: EE savings bonds to 529 for grandkids?
Replies: 22
Views: 1490

Re: EE savings bonds to 529 for grandkids?

I think the only option would be to make a 529 contribution if there is a state tax deduction. This is separate from the EE savings bonds which would not have any sort of tax break if used for educational purposes because I don't think they meet all of the requirements: https://www.treasurydirect.g...
by teniralc
Sat Jun 09, 2018 2:11 pm
Forum: Personal Investments
Topic: EE savings bonds to 529 for grandkids?
Replies: 22
Views: 1490

Re: EE savings bonds to 529 for grandkids?

The qualified educational expense (including 529 plan contributions) must be of a dependent. Okay, so I’m not clear then on how the grandparent can use this for a 529 for the benefit of the child and get a tax benefit. The bottom line is that they can't use this tax-free for a 529 for the benefit o...
by teniralc
Sat Jun 09, 2018 11:24 am
Forum: Personal Investments
Topic: EE savings bonds to 529 for grandkids?
Replies: 22
Views: 1490

Re: EE savings bonds to 529 for grandkids?

https://www.nysaves.org https://www.tax.ny.gov/press/rel/2015/benefitsof529collegesavingsprogram122415.htm Looks like New York has decent to good options. 5k to 10k a year deduction. He would probably be better of creating a NY 529b and getting the state income tax deduction, assuming he has taxabl...
by teniralc
Sat Jun 09, 2018 10:55 am
Forum: Personal Investments
Topic: EE savings bonds to 529 for grandkids?
Replies: 22
Views: 1490

Re: EE savings bonds to 529 for grandkids?

A couple of points on the U.S. Savings Bonds tax-free redemption for qualified educational expenses relevant to this thread. The qualified educational expense (including 529 plan contributions) must be of a dependent. Grandparents can not make a tax-free redemption for contributors to a grandchild'...
by teniralc
Sat Jun 09, 2018 9:56 am
Forum: Personal Investments
Topic: EE savings bonds to 529 for grandkids?
Replies: 22
Views: 1490

Re: EE savings bonds to 529 for grandkids?

To be clearer, the interest is tax free when redeemed and rolled into a 529 since that is a qualified educational expense. Okay, but do the bonds have to have the beneficiary listed as the student before redeeming? I found this: https://www.fastweb.com/financial-aid/articles/how-do-i-roll-over-us-s...