Search found 1380 matches

by CFM300
Sun Jan 06, 2019 1:19 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax on sale at Target
Replies: 1
Views: 553

TurboTax on sale at Target

I just bought a TurboTax Home & Business CD at Target for $65.00 + tax. After I paid, they handed me a $5 gift card. Part of some promotion, I guess.
by CFM300
Fri Jan 04, 2019 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Savers Credit & Solo 401k EmployEE/ER question
Replies: 8
Views: 486

Re: Savers Credit & Solo 401k EmployEE/ER question

Spirit Rider wrote:
Fri Jan 04, 2019 1:24 pm
The point I was trying to make (but poorly) is that employer contributions can reduce the total contributions you can make at lower compensation levels.
Got it. Thanks.
by CFM300
Fri Jan 04, 2019 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Savers Credit & Solo 401k EmployEE/ER question
Replies: 8
Views: 486

Re: Savers Credit & Solo 401k EmployEE/ER question

Correction: I should have said; "Each dollar of employer contributions can reduce two dollars available for annual additions." ... For example, with $25K in net self-employment earnings. The maximum employer contribution is $5K, but with $19K in employee elective contributions, it is further limite...
by CFM300
Thu Jan 03, 2019 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Savers Credit & Solo 401k EmployEE/ER question
Replies: 8
Views: 486

Re: Savers Credit & Solo 401k EmployEE/ER question

Spirit Rider wrote:
Wed Jan 02, 2019 3:27 pm
Each dollar of employer contributions reduces two dollars available for annual additions.
Sorry, could you please explain this?
by CFM300
Thu Jan 03, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: best cheap printer
Replies: 45
Views: 2318

Re: best cheap printer

I would just buy whatever Wirecutter recommends. https://thewirecutter.com/reviews/best-all-in-one-printer/ I've done that with business laptops, printers, home router and modem, shredder, etc. Every recommendation has been fine. Previously, they recommended a Brother all-in-one printer, so that's w...
by CFM300
Wed Jan 02, 2019 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Invested in the "wrong" funds 403(b)
Replies: 16
Views: 824

Re: Invested in the "wrong" funds 403(b)

The variable annuities from CREF are relatively benign and essentially mutual funds. For instance, there are no additional charges other than the expense ratio for these funds. I wouldn't attach any negative stigma to them. Be careful, however, with TIAA Traditional and TIAA Real Estate, both of wh...
by CFM300
Sat Dec 15, 2018 12:27 am
Forum: Personal Consumer Issues
Topic: Old Windows 8 PC and Windows Defender
Replies: 16
Views: 907

Re: Old Windows 8 PC and Windows Defender

You can update for free to Win10 if you want. I installed Win7 on a machine less than a month ago and immediately upgraded it to Win10 without issue. How did you update for free? I don't remember the precise steps but it wasn't hard. Just Googled "upgrade Win7 to Win10" and followed the simple inst...
by CFM300
Thu Dec 13, 2018 11:54 pm
Forum: Personal Consumer Issues
Topic: Old Windows 8 PC and Windows Defender
Replies: 16
Views: 907

Re: Old Windows 8 PC and Windows Defender

BolderBoy wrote:
Thu Dec 13, 2018 6:12 pm
You can update for free to Win10 if you want. I installed Win7 on a machine less than a month ago and immediately upgraded it to Win10 without issue.
How did you update for free?
by CFM300
Sat Nov 17, 2018 3:25 am
Forum: Personal Consumer Issues
Topic: Need advice on (2) jackets.
Replies: 32
Views: 2616

Re: Need advice on (2) jackets.

Patagonia responsibly sources all of their materials, never uses live plucked down, uses fair trade labor practices, does not embellish their jackets with animal fur, and is completely transparent about their supply lines. They support sustainable causes and recycling. Also, they have great sales i...
by CFM300
Sat Nov 10, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Should I reject Google drive for privacy/tracking?
Replies: 38
Views: 3139

Re: Should I reject Google drive for privacy/tracking?

To my shock and horror I stumbled on a Google section which had detailed history of all my flights and purchases over all the years. There is no option to delete this, nor to tell Google to stop this. Turns out that it scans Gmail emails and extracts whatever it finds, like flights and purchases. Y...
by CFM300
Tue Nov 06, 2018 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: 403B, is mine even worth it?
Replies: 10
Views: 925

Re: 403B, is mine even worth it?

I was thinking about Aspire but once I added up even the low fees without an advisor, I'm not sure if it would be worth it. ... Any suggestions? How long do you plan to be with your current employer? You're still young, and after you change employers you can move your 403b funds to a different low-...
by CFM300
Fri Nov 02, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Offsite data storage
Replies: 10
Views: 1111

Re: Offsite data storage

But now I want to find an offsite backup for my home computer. I have about 20 TB that I currently back up from my home to my office. It does not actually change very often, I just like having an off site backup. Just in case my house burns down. Any thoughts on how I can continue to keep an offsit...
by CFM300
Fri Nov 02, 2018 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: retiring abroad with savings worth 200k...
Replies: 48
Views: 7278

Re: retiring abroad with savings worth 200k...

There are countries where 1000$ is nowhere close to poverty but provide frugal but decent living for a family of 2 and pretty good living for one person. You would live in a nice city with very low dangerous crime and go to the opera, theater and philharmonic and spend your evenings drinking beer w...
by CFM300
Wed Oct 31, 2018 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Starting a small wholesale/resale biz at local collective market -- should it be an LLC?
Replies: 7
Views: 628

Re: Starting a small wholesale/resale biz at local collective market -- should it be an LLC?

I highly recommend this book, which you might be able to find at your local library: The Small Business Start-Up Kit

[Edited to remove some apparently bad advice after reading Spirit Rider's response below.]
by CFM300
Mon Oct 29, 2018 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Self employment - health ins deductible
Replies: 20
Views: 3617

Re: Self employment - health ins deductible

Im a self employed <2 % owner of s Corp and deduct health insurance on line 29. The blue cross policy is in my spouses name and was “established” initially in 2003 when my business incorporated and blue cross has company name in their system. Can IRS disallow deduction from line 29 and move it to s...
by CFM300
Mon Oct 29, 2018 1:28 pm
Forum: Investing - Theory, News & General
Topic: Giving up on GoogleSpreadsheets. Need alternative.
Replies: 29
Views: 3961

Re: Giving up on GoogleSpreadsheets. Need alternative.

i’d like it to work. It doesn’t. For example, =googlefinance(A1,”price”) returns an error. I can’t get it to work no matter what ticker symbol A1 is. I just opened a new Google spreadsheet, typed VTSMX in A1, and =googlefinance(A1) in A2. A2 now reads 61.47. I changed A2 to =googlefinance(A1,"price...
by CFM300
Tue Oct 23, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 829
Views: 118679

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

What happens if a CRV with a presently high oil level as a result of dilution is taken on, say, an hour-long highway trip. Does the gas then "vaporize" (as mentioned in the video) such that the oil level returns to normal by the end of the trip?
by CFM300
Wed Oct 10, 2018 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Any Self Employed people near the ACA cliff experiencing this situation?
Replies: 7
Views: 620

Re: Any Self Employed people near the ACA cliff experiencing this situation?

I have ACA bronze plan (cheapest) with $18030 premium. When I enrolled I was able get $18000 Premium Tax credit (based on my guess for expected income). On Form 1040, I see $18030 on line 29 (SE Health Insurance Deduction). Did you pay $18,030 in premiums, or did you only pay $30 because of the $18...
by CFM300
Wed Oct 10, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Project FI promotion
Replies: 9
Views: 881

Re: Project FI promotion

Those who have experience with Project FI, do you like the service? How would you compare it to others? Fi works very well for me. Cell reception is terrible where I live. Verizon drove me nuts with missed/dropped calls. I was considering getting a landline, but then switched to Fi. Now my calls go...
by CFM300
Tue Oct 09, 2018 9:18 pm
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4768

Re: Should I, and how, act on changes in managing diet and health?

With respect, I spent more than 20 years trying to consume fewer calories than i expended. Failed. OTOH, I’ve had resounding success with a new approach. Congratulations on your success. Can you elaborate? Success at losing weight or eliminating your needs for meds (or both)? Is the new approach wh...
by CFM300
Thu Oct 04, 2018 4:12 am
Forum: Personal Consumer Issues
Topic: U.S. mailing address/forwarding for expats
Replies: 25
Views: 2342

Re: U.S. mailing address/forwarding for expats

I'm moving to Mexico, where the local mail service is terrible. So I'd like an address I can have all U.S. mail sent to, and have the few important pieces forwarded (like anything from the IRS, replacement credit cards and so on). If the local Mexican mail service is terrible, won't you have troubl...
by CFM300
Thu Oct 04, 2018 2:13 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15997

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

Austin - the not as good - There's no real Mexican food here, 99% of it is "tex-mex" (think cheese from a can.) Locals will get offended if you knock it, but the tex-mex is terrible. (Brisket in a taco?) You can find the good MX but it's an effort I thought Tacodeli was great and even Torchy's was ...
by CFM300
Sat Sep 29, 2018 1:15 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401k - Timing of contributions?
Replies: 3
Views: 448

Re: Solo 401k - Timing of contributions?

Also when making the contribution, does funds need to be flagged as Employer or Employee contributions or given she is both the employer and the employee it doesn‘t matter? When I make contributions to my solo 401(k) at Vanguard, I have to designate whether the contribution is from the employee or ...
by CFM300
Sat Sep 29, 2018 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Car broker
Replies: 27
Views: 2514

Re: Car broker

Dave C. wrote:
Fri Sep 28, 2018 1:25 am
Any experiences with a "car broker"?
I've never used one, but it strikes me as just swapping tasks. Instead of researching car-buying methods and negotiating with dealers, I'd be researching "how to choose a car broker" and negotiating with them.
by CFM300
Wed Sep 26, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Car predicament
Replies: 14
Views: 2475

Re: Car predicament

If they no longer want the car, replace/repair the engine and then sell the car and buy something else.

CarMax is selling a 2012 Kia Forte with 120,000 miles for $10k, so your family member should be able to sell theirs for at least the $5k balance of the loan.
by CFM300
Tue Sep 25, 2018 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: Helping a sibling
Replies: 26
Views: 3167

Re: Helping a sibling

I want to encourage them to follow up and not give up because it looks too hard, but I don't want to push. Sell them on the idea of lower-costs and simplification. Help them create a rough list of all of their accounts, holdings, and fees, and then show them how much better things could be: two IRA...
by CFM300
Tue Sep 25, 2018 11:03 pm
Forum: Investing - Theory, News & General
Topic: Other Portfolios that aren't 3 fund
Replies: 55
Views: 6522

Re: Other Portfolios that aren't 3 fund

MarketWatch has a long-running contest of eight professionally designed portfolios. Click on any portfolio to see its funds: Paul B. Farrell's Lazy Portfolios Note: Allan Roth's "Second Grader's Starter Portfolio," is the same as the " The Three-Fund Portfolio ." It currently leads the pack. Becaus...
by CFM300
Sun Sep 23, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6842

Re: My Very First Smartphone — Please Critique This Plan

iceport wrote:
Sun Sep 23, 2018 7:17 pm
Consumer Cellular would be $35/mo. for 3 GB. $45/mo. for 5 GB
https://www.consumercellular.com/Plans
Yeah okay. That's looks good. I don't know anything about their coverage or speeds, but Wirecutter gives them a positive review:

https://thewirecutter.com/reviews/best- ... s-carrier/
by CFM300
Sun Sep 23, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6842

Re: My Very First Smartphone — Please Critique This Plan

Google Fi is intriguing, but it might prove a tad expensive. I still have no idea — whatsoever — how much data I'll consume, but a friend advised me that 3GB will not be enough for me. What plan are you considering that would be cheaper? And will you endure throttling? And will you be paying for th...
by CFM300
Sun Sep 23, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6842

Re: My Very First Smartphone — Please Critique This Plan

A great Boglehead approach would be to get Google Fi phone service with a Moto X4 Android One phone ($250 from the Fi website). This is what I have, and it is a great phone with an excellent camera. I especially like the ability to get phone service over WiFi when I'm deep inside a building. I have...
by CFM300
Fri Sep 07, 2018 2:06 am
Forum: Personal Consumer Issues
Topic: Certified Pre-Owned Cars (CPO): Is this normal?
Replies: 30
Views: 2601

Re: Certified Pre-Owned Cars (CPO): Is this normal?

It doesn't seem right to me. Feels like false advertising. Different state probably have different laws about what "certified" means. In California, for instance, I think it only means that a dealer must perform a "complete" inspection and that the car must meet certain conditions, such as having a...
by CFM300
Thu Sep 06, 2018 2:40 am
Forum: Personal Consumer Issues
Topic: Buying car online?
Replies: 65
Views: 3985

Re: Buying car online?

i got headache from being at the dealership and going through all paperwork, all the while worried if i was being taken for a ride while asked to sign in several places with little time/energy to read what is stated there Ah yes, the same dealer that tried to change the price on me at the last minu...
by CFM300
Thu Sep 06, 2018 2:35 am
Forum: Personal Consumer Issues
Topic: Elderly (innocent) relative received this horrible email
Replies: 51
Views: 6073

Re: Elderly (innocent) relative received this horrible email

I thought everyone knew to put tape over their webcams? I mean, if Zuckerberg and Comey do it, shouldn't we all?
by CFM300
Thu Aug 30, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: Buying car online?
Replies: 65
Views: 3985

Re: Buying car online?

The only advice I have is that once you decide where you're going to buy the car based on their quote that you make sure the dealer understands that you're going to arrive with a check already made out for the exact amount agreed upon and that if the price goes up for any reason, there will be no de...
by CFM300
Wed Aug 22, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: "By not having a will, Aretha Franklin likely left her heirs with lots of headaches"
Replies: 31
Views: 2613

Re: "By not having a will, Aretha Franklin likely left her heirs with lots of headaches"

Artsdoctor wrote:
Wed Aug 22, 2018 6:04 pm
LOL! Yes. The law will decide for you.
And if you're content with what the law mandates, why do you need a will?
by CFM300
Tue Aug 21, 2018 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: All figured out
Replies: 20
Views: 2291

Re: Made a big mistake with HSA and looking to fully inform myself before my meeting with accountant.

Would it make sense to write a letter to the IRS and ask them what to do?
by CFM300
Tue Aug 21, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: I saved $3,200 on a $23,500 car with minimal stress.
Replies: 45
Views: 6191

Re: I saved $3,200 on a $23,500 car with minimal stress.

I pretty much did the same when buying a Nissan Frontier. When I drove the 100 miles to the dealer, he leveled me an additional $500 not mentioned in the phone. I would normally have just walked away in principle. However, even with paying that extra $500, it is still the best deal I got compared t...
by CFM300
Tue Aug 14, 2018 2:09 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107987

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

HuckFinn wrote:
Tue Aug 14, 2018 1:15 am
$710,762.00 ahead because he chose to invest simply in the US and not add an International Fund.
He should have invested 100% his equity portion in QQQ (Nasdaq 100). Then he would have been more than $2.5 million ahead.
by CFM300
Thu Aug 09, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Root-friendly flagships equal to Galaxy S7
Replies: 13
Views: 1127

Re: Root-friendly flagships equal to Galaxy S7

Not sure why you want to root. Maybe one of these would do the trick? https://www.android.com/one/ I had a flagship Samsung for a while, but hated that the security updates were delayed and also that the carrier had loaded the phone with bloatware. Bought an Android One phone and it's been a joy. Go...
by CFM300
Thu Aug 09, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Junk Mail
Replies: 28
Views: 2758

Re: Junk Mail

Whats so hard about throwing the junk mail in the trash.? My mailbox is small and becomes full after just a few days because of all the junk I receive. I cannot increase the size of the box because it's part of a central cluster over which I have no control. Second, I receive a lot of advertisement...
by CFM300
Thu Jul 26, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Seeking advice about "defective" computer
Replies: 22
Views: 1661

Re: Seeking advice about "defective" computer

Thanks for all of the helpful advice. I've added an update to the original post.
by CFM300
Fri Jul 20, 2018 1:07 am
Forum: Investing - Theory, News & General
Topic: Acceptable uses...New Financial Chromebook
Replies: 35
Views: 4964

Re: Acceptable uses...New Financial Chromebook

FPS_dapdap wrote:
Thu Jul 19, 2018 8:09 am
Can a Chromebook run excel and word?
Microsoft has free versions of Excel, Word, PowerPoint, etc. that run in any browser.

https://products.office.com/en-us/offic ... ice-online
by CFM300
Mon Jul 16, 2018 12:25 am
Forum: Personal Consumer Issues
Topic: Seeking advice about "defective" computer
Replies: 22
Views: 1661

Re: Seeking advice about "defective" computer

gostars wrote:
Mon Jul 16, 2018 12:21 am
Before replacing the motherboard...
Thanks for taking the time to document all of that for me. If I have to replace the motherboard, I'll follow your advice carefully.
by CFM300
Mon Jul 16, 2018 12:05 am
Forum: Personal Consumer Issues
Topic: Did I get ripoff by this car mechanic?
Replies: 37
Views: 4125

Re: Did I get ripoff by this car mechanic?

Below are three links, one for each of the parts used in your repair. Each link shows the MSPR or list price for the part, which is identical to what your shop charged you. https://parts.sonshonda.com/products/Honda/CR-V/VALVE-ASSEMBLY--ROTARY/1482462/17120-PPA-A01.html http://hondapartsnetwork.com/...
by CFM300
Sun Jul 15, 2018 11:36 pm
Forum: Personal Consumer Issues
Topic: Seeking advice about "defective" computer
Replies: 22
Views: 1661

Re: Seeking advice about "defective" computer

I would get the motherboard replaced. Dell's replacement parts tend to be high-quality because they're not interested in eating the cost of shipping a new board and having their repair contractor go back a second time to replace the board again. Biggest caveat I ran into at my old job (where we had...
by CFM300
Sun Jul 15, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Seeking advice about "defective" computer
Replies: 22
Views: 1661

Re: Seeking advice about "defective" computer

I'm mystified by "flea power", does this refer to the button cell?? From the Dell website: "Flea power is the residual static electricity that remains on the computer even after it has been powered off and the battery has been removed." I was told to unplug the power and then press and hold down th...
by CFM300
Sun Jul 15, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Seeking advice about "defective" computer
Replies: 22
Views: 1661

Re: Seeking advice about "defective" computer

Thanks for all of the replies so far. Additional information that some posters requested:

It's an Optiplex with a three-year warranty with on-site service, purchased with AMEX. Not sure of the specifics of purchase protection with the credit card, but I'm sure there are some.
by CFM300
Sun Jul 15, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Seeking advice about "defective" computer
Replies: 22
Views: 1661

Seeking advice about "defective" computer

UPDATE: This turned into a bit of saga, because Dell said that I was past the 30-day window for a new replacement based on the SHIPPING date of the computer. I countered that that was ridiculous, and that the 30-day clock should begin when it arrived, at the earliest. (I actually didn't boot the PC...
by CFM300
Fri Jul 06, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 7126

Re: Older Women Lifting Weights

Your explanation of "volume" is helpful, but my engineering mind is going nuts trying to understand how this ever got confused with basic mechanical physics. It does not compute. Moving a force (weight, F = ma) over a distance is Work or Energy expended. See: Work = Energy Expended . Volume = a 3-d...