Search found 536 matches

by ccieemeritus
Sun Apr 01, 2018 12:00 pm
Forum: Forum Issues and Administration
Topic: Omnibus off-topic and lockable thread
Replies: 2
Views: 597

Omnibus off-topic and lockable thread

The moderators spend considerable time searching all posts looking for violations of the board rules and acceptable topics policy. For their convenience, this is our new omnibus off-topic and lockable thread. All off-topic comments should be put in this thread by the posters. All lockable threads ca...
by ccieemeritus
Sun Apr 01, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: $6.55 Northrup Grumman 401k class action settlement
Replies: 24
Views: 3125

Re: $6.55 Northrup Grumman 401k class action settlement

TravelGeek wrote:
Sat Mar 31, 2018 7:58 pm
How much time did you spend on this one? Did you still earn minimum wage on the effort? ;)
It was not much time. I did not have to report the number of shares or balance or anything. They had an online form so I didn't have to physically mail anything in. But I not earn minimum wage either.
by ccieemeritus
Sat Mar 31, 2018 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 9084

Re: Resign from job or possible termination

My understanding (from being a manager in CA) is that unemployment insurance is paid out only for involuntary terminations. Voluntary resignations make you ineligible for unemployment insurance. So if you plan to apply for unemployment during a gap, check into that before voluntarily resigning. (I a...
by ccieemeritus
Sat Mar 31, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: $6.55 Northrup Grumman 401k class action settlement
Replies: 24
Views: 3125

Re: $6.55 Northrup Grumman 401k class action settlement

Its a question of whether it is worth filling out class action settlement paperwork each time I get them in the mail. In this case for me it was not worth it ($6.55), although I didn't know that when submitting. But the fact that you got $100 is useful data, so thanks for the reply.
by ccieemeritus
Sat Mar 31, 2018 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: $6.55 Northrup Grumman 401k class action settlement
Replies: 24
Views: 3125

$6.55 Northrup Grumman 401k class action settlement

I get class action lawsuit notices periodically. I've always wondered whether filling out the forms was worth the time. In October 2017 I filled out the forms for the Northrop Grumman 401k settlement for my wife. The settlement fund was $16,750,000. Lawyers fees/costs of up to $6,823,333 would come ...
by ccieemeritus
Mon Mar 19, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Need encouragement (on doing own taxes to save money)
Replies: 22
Views: 1917

Re: Need encouragement (on doing own taxes to save money)

ESPP and RSU's can be tricky. Especially since the cost basis on the 1099-B may be incorrect and require entering an "adjusted cost basis". Sometimes if you sell ESPP shares right away that gets reported as income on a W-2. You don't want to double-report that. But you don't want to fail to report i...
by ccieemeritus
Mon Mar 19, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: 9th grade earth science honors or biology honors
Replies: 28
Views: 1615

Re: 9th grade earth science honors or biology honors

I'm under the impression that biology is more important than earth science for college applications (mediocre source: https://www.thoughtco.com/science-needed-to-get-into-college-788862). Honors biology is also a prerequisite for AP biology. My children's public school only allows 1 science course p...
by ccieemeritus
Sun Mar 11, 2018 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Contingent Beneficiaries
Replies: 6
Views: 949

Re: Contingent Beneficiaries

Probating an estate now. I also helped the grandkids get their beneficiary disbursements. Beneficiaries are easier to update than a will. They also make it easier to distribute the money after a death. The problem is that, with many accounts in many brokerages, it’s easy to forget to update all bene...
by ccieemeritus
Sun Mar 11, 2018 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: When your spouse’s risk tolerance differs from yours
Replies: 31
Views: 2362

Re: When your spouse’s risk tolerance differs from yours

DW and I have one large single stock holding remaining in a taxable joint account. Everything else (and all new investments) are index funds. I want to sell a substantial amount of the single stock each year and convert to index. DW (eventually) let me sell a batch in 2017 but so far disagrees in 20...
by ccieemeritus
Sun Mar 11, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: Blocking URLs/Sites on home network for kids
Replies: 33
Views: 1601

Re: Blocking URLs/Sites on home network for kids

+1 opendns If your kids understand or learn how to change the DNS settings back then they’ve made their first step to a future IT career. A side effect of opendns is that it can make streaming of videos (Netflix, itunes) slower. This is due to the service picking a suboptimal server because it think...
by ccieemeritus
Sat Mar 03, 2018 12:13 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA questions regarding Schwab funds - new investor
Replies: 7
Views: 553

Re: Roth IRA questions regarding Schwab funds - new investor

When I started my Roth at Schwab (2 decades ago) I put all the money in Schwab's S&P500 index fund (now ticker symbol SWPPX) and set dividends to automatically reinvest. Because it was only $2k I didn't do a "portfolio". Just one ticker. "set it and forget it". After 2 years of investments I DW and ...
by ccieemeritus
Fri Mar 02, 2018 11:55 pm
Forum: Personal Consumer Issues
Topic: 2016 Sienna - 57k miles - any downside to buying?
Replies: 29
Views: 2890

Re: 2016 Sienna - 57k miles - any downside to buying?

I sold my 2001 Toyota Sienna last month with 193k miles on it. I got my money's worth out of that car. I did have the automatic sliding side door fail. Stereo eventually failed. But I'm happy with it lasting so long. I did pay extra for dealer maintenance. 57k means your possible Sienna will be due ...
by ccieemeritus
Wed Feb 21, 2018 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Part Time CA resident how to file taxes
Replies: 4
Views: 339

Re: Part Time CA resident how to file taxes

Make sure TT is filling out CA form 540NR, which is the correct form for a "partial year resident" of CA. Not the regular 540 as a full year resident. The instructions are at: https://www.ftb.ca.gov/forms/2017/17_540nrbk.pdf Read the "how nonresidents and part-year residents are taxed" instructions ...
by ccieemeritus
Thu Feb 08, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: My Mac Pro has gotten gigantically slow online: meltdown $ spectre?
Replies: 19
Views: 2292

Re: My Mac Pro has gotten gigantically slow online: meltdown $ spectre?

It could be malware in your account on the Mac Pro. To test that, create a 2nd admin account. Logout of the first account, reboot, and login to the new 2nd account. See if that makes things better. I also suggest downloading a different browser, to see if the problem is specific to your primary brow...
by ccieemeritus
Thu Feb 08, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: Scrapping old computer parts
Replies: 25
Views: 1776

Re: Scraping old computer parts

Most medium-sized towns and larger have an “e-recycle” place. Search in maps or google. They take parts. They take cables. Just make sure to erase or destroy any hard drives or old cellphones.
by ccieemeritus
Sun Feb 04, 2018 4:50 am
Forum: Personal Finance (Not Investing)
Topic: 1099-R error: wrong state
Replies: 1
Views: 311

1099-R error: wrong state

Mom lived in Oregon last year. She took distributions from 2 IRA’s around July (including tax withheld for both Federal and state). We brought her down to CA in October (for medical treatment and assisted living). She passed away in early November. Around that time (not sure exactly) we updated the ...
by ccieemeritus
Sun Feb 04, 2018 4:22 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 374
Views: 46236

Re: Flaunt Your High-Mileage Car

2000 Toyota Sienna. Bought it new in 2000 with the automatic remote sliding door opener to help put our upcoming baby in.

Just sold it to carmax with 193,500 miles. That “upcoming baby” ended up learning to drive in that Sienna.

Now have a 2018 Subaru Outback with 112 miles.
by ccieemeritus
Sun Feb 04, 2018 4:09 am
Forum: Personal Consumer Issues
Topic: Relearning Calculus
Replies: 81
Views: 6268

Re: Relearning Calculus

The “why” of calculus? The most important question in calculus is to calculate the optimal dimensions of a soda can. What ratio of height to radius will give the maximum volume to surface area ratio (maximize soda while minimizing aluminum cost)? One way to solve the problem is to set the radius to ...
by ccieemeritus
Sun Feb 04, 2018 3:52 am
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 14410

Re: What is the best home exercise equipment?

The $650 (from Costco) 2-year membership at the 24-hour fitness supersport located 1 mile from my house. Perfect walking distance. Variety of equipment. Doesn’t use space in my house. I enjoy listening to podcasts, audio books, or great courses during the round trip. At various times I had a treadmi...
by ccieemeritus
Sun Feb 04, 2018 3:40 am
Forum: Personal Finance (Not Investing)
Topic: Do you live on a budget?
Replies: 65
Views: 3653

Re: Do you live on a budget?

No budget for us. Earlier in my career we “paid ourselves first”. We maxed out our 401k and ESPP and then lived on the rest. As our income grew, we did not increase our spending proportionately. So we started saving more and more. We only began “loosening up” about 10 years ago (about the same time ...
by ccieemeritus
Wed Jan 31, 2018 4:28 am
Forum: Investing - Help with Personal Investments
Topic: Forget Bitcoin! Bananacoin is here!
Replies: 12
Views: 2032

Re: Forget Bitcoin! Bananacoin is here!

Bananas cost 29 cents today. Forget that. Go with a federal reserve note! Each one is worth 100 cents. Each one has a unique serial number so there is a finite limit on the number that can be printed (unless they increase the number of digits while decreasing the font size, but I digress).
by ccieemeritus
Sun Jan 28, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: Impreza vs Corolla
Replies: 27
Views: 1757

Re: Impreza vs Corolla

One big difference between Subaru products and Toyota/Lexus products is the in-car electronics. Some Subaru models are now supporting CarPlay (such as Outback). Toyota/Lexus is "going their own way" and does not support CarPlay (although bluetooth connectivity still works). While the proximity senso...
by ccieemeritus
Fri Jan 26, 2018 1:31 am
Forum: Personal Consumer Issues
Topic: Pizza delivery asked for security code on my credit card with order
Replies: 50
Views: 5349

Re: Pizza delivery asked for security code on my credit card with order

A credit card number / expiration date / CVV code is a reusable password. The "system" is designed for you to give out this password repeatedly to different merchants that are expected to protect it. In order to get the business those merchants agree to protect the credit card info by obeying "Payme...
by ccieemeritus
Sun Jan 21, 2018 11:09 pm
Forum: Personal Consumer Issues
Topic: Passport renewal and usage- what's the scoop?
Replies: 33
Views: 2961

Re: Passport renewal and usage- what's the scoop?

I suggest getting the passport card at the same time. It’s proof of identity and citizenship. Useful when getting a job or flying domestic.
by ccieemeritus
Sun Jan 21, 2018 4:28 am
Forum: Personal Finance (Not Investing)
Topic: Account Fraud
Replies: 20
Views: 2921

Re: Account Fraud

I recommend 2 factor authentication for all “money” accounts. I find text messages to my cellphone convenient for the 2nd factor.
by ccieemeritus
Sat Jan 20, 2018 2:53 pm
Forum: Investing - Theory, News & General
Topic: Traditional IRA No use for me?
Replies: 12
Views: 997

Re: Traditional IRA No use for me?

One thing you _dont_ want is to open a post-tax traditional IRA and fail to backdoor it over to a roth IRA. DW and I each have $4k in a post-tax traditional IRA, in addition to a bunch of other IRAs. So we can't execute a backdoor Roth without major headaches (we'd have to roll the other IRAs into 4...
by ccieemeritus
Fri Jan 19, 2018 5:01 am
Forum: Personal Consumer Issues
Topic: Need to buy new printer. Suggestions for best value?
Replies: 32
Views: 2468

Re: Need to buy new printer. Suggestions for best value?

I’m happy with my brother laser black and white printer. The only problem is that DD got my old one with the physical Ethernet port. My new one is Wifi only. Twice now it’s disabled the WiFi resulting in troubleshooting. This usually happens when I’m out of town and DS has homework to print. So I’d ...
by ccieemeritus
Thu Jan 18, 2018 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help with setting up Inherited IRA and then transferring
Replies: 10
Views: 764

Re: Help with setting up Inherited IRA and then transferring

I recently had to deal with my Mom's 2 IRA's after she passed away. Neither TD Ameritrade nor First Technology Credit Union charged us to retitle the IRA's in the beneficiary's names. We are now in the process of rolling them over to Schwab. Be careful not to distribute the cash out of the accounts....
by ccieemeritus
Thu Jan 18, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Paying semi-illiterate vendor via credit card who has no email or computer
Replies: 23
Views: 1888

Re: Paying semi-illiterate vendor via credit card who has no email or computer

My former employer had several ways to pay a vendor: Purchase requisition -> purchase order -> invoice -> check / direct deposit Check request -> check you pay -> file expense report with receipt -> get reimbursed put charge on corporate purchasing credit card (receipt must be submitted) many years ...
by ccieemeritus
Thu Jan 18, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent Flexible Spending Account Question
Replies: 4
Views: 337

Re: Dependent Flexible Spending Account Question

Normally I'd say go directly to the IRS publication, but it's not clear to me which publication identifies eligible dependent care FSA expenses. IRS publication 503 explains eligible child and dependent care expenses for a child tax credit. I'm not sure if these are the same rules that apply to elig...
by ccieemeritus
Thu Jan 18, 2018 1:27 am
Forum: Investing - Help with Personal Investments
Topic: views on "Empower Retirement" as a 401k provider? fees? ease of use etc?
Replies: 30
Views: 2320

Re: views on "Empower Retirement" as a 401k provider? fees? ease of use etc?

My state employee Def Comp 457 program is through Empower. I found the fees very reasonable, unless I'm missing something. All the funds are index funds and fees are .01-.02% operating expense on the funds plus a .07% asset based fee. I see that as .08-.09% fees which seem pretty good to me. The St...
by ccieemeritus
Thu Jan 18, 2018 1:23 am
Forum: Investing - Help with Personal Investments
Topic: views on "Empower Retirement" as a 401k provider? fees? ease of use etc?
Replies: 30
Views: 2320

Re: views on "Empower Retirement" as a 401k provider? fees? ease of use etc?

My (now former) employer switched from Schwab to Empower retirement a year ago. I was unhappy with the change because I like Schwab. Since I left my employer I noticed a $10 quarterly "participant account maintenance" fee. I was not paying that fee while I was employed and doing new payroll contribu...
by ccieemeritus
Thu Jan 18, 2018 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Deceased mother's Financial Advisor wants $500+ to convert to bene IRA
Replies: 31
Views: 2656

Re: Deceased mother's Financial Advisor wants $500+ to convert to bene IRA

What is the brokerage that the account is at? I'm looking for names like Charles Schwab, TD Ameritrade, etc (edit: looks like SEI trust). The financial advisor wants you to sign a "contract" to help you with some forms? I'd pass. If I wasn't good at the paperwork I'd certainly pay some $ to have the...
by ccieemeritus
Mon Jan 15, 2018 3:35 am
Forum: Investing - Help with Personal Investments
Topic: California 529 plan
Replies: 7
Views: 980

Re: California 529 plan

I have CA 529. DD just finished undergrad. DS is still in HS. It’s worth it. You don’t get deduction putting in but not paying tax on the gains is great. We started with a target fund but were unhappy with the returns. We switched to 100% stocks. Worked out for us. Your mileage may vary. The only a...
by ccieemeritus
Sat Jan 13, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 65
Views: 5456

Re: Someone spoofing my phone number?

My ooma at home broke. So I unplugged it. When people try to call my home number I get the voicemail in my email. Then I call back on my cell.

This is the best ooma feature ever.
by ccieemeritus
Sat Jan 13, 2018 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: California 529 plan
Replies: 7
Views: 980

Re: California 529 plan

I have CA 529. DD just finished undergrad. DS is still in HS. It’s worth it. You don’t get deduction putting in but not paying tax on the gains is great. We started with a target fund but were unhappy with the returns. We switched to 100% stocks. Worked out for us. Your mileage may vary. The only an...
by ccieemeritus
Sat Jan 13, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Virus reading Yahoo news
Replies: 8
Views: 988

Re: Virus reading Yahoo news

The screen message is lying to you. Do not call the number given on the screen. They may have modified your browser settings to always open the bad webpage, but that’s exactly why you should not call them. Being an Apple person, I can’t tell you who to call to fix your windows box, although it sound...
by ccieemeritus
Sat Jan 13, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Help with inherited investment account
Replies: 61
Views: 4081

Re: Help with inherited investment account

It sounds like you are suffering from some information overload here. As a result you have talked with vanguard several times but not moved the account. I think the original vanguard suggestion is good. Just move the account over and go 80/20. Have vanguard help with the paperwork. A low cost target...
by ccieemeritus
Sat Jan 13, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Getting your spouse on the same page
Replies: 53
Views: 5259

Re: Getting your spouse on the same page

Most people are unsuccessful with budgeting. I would be unsuccessful with budgeting so i don’t try. I’ve found “paying yourself first” to be successful. That means putting some money in a 401k before it hits your checking account. Then trying to live on the checking account. It may be easier to get ...
by ccieemeritus
Sat Jan 13, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Company 401K Fund Change
Replies: 9
Views: 580

Re: Company 401K Fund Change

It looks like the fund you use is not being changed. So this does not affect you, other than giving you a new (bad with high ER) fund to choose from.

I don’t think any action is needed on your part.
by ccieemeritus
Wed Jan 10, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: House water detection and alert system?
Replies: 41
Views: 2718

Re: House water detection and alert system?

I just had an empty house damaged by the water supply line to the refrigerator's ice maker. I turned off the water to the washer but didn't think about the ice maker. It's a stupid plastic tube which probably hasn't been replaced in a decade. Ugh. Note to self: Never buy a refrigerator with an ice m...
by ccieemeritus
Wed Jan 10, 2018 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Unusual Will/Probate Situation
Replies: 16
Views: 1404

Re: Unusual Will/Probate Situation

I don't think the sister-in-law has to state a reason. A simple "no," or silence/inaction should be the end of it. Agreed that it should be, but I think it probably won't be. LOL. You may be right. Hopefully sister-in-law lives in another state and is comfortable not answering when the phone rings....
by ccieemeritus
Sun Jan 07, 2018 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: Does it make sense to try to "time" a first time home purchase?
Replies: 48
Views: 2323

Re: Does it make sense to try to "time" a first time home purchase?

DW and I were searching for houses on-and-off from 1997 through 2001 in silicon valley. During that time our income and savings were increasing dramatically. It was very demoralizing searching for houses until 2001. Open house on Sunday -> offers due on Tuesday. Offers had to be above the "asking" p...
by ccieemeritus
Sun Jan 07, 2018 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: On-line legal documents...good?
Replies: 12
Views: 860

Re: On-line legal documents...good?

I helped Mom do her will with Quicken Willmaker Plus 2017. The will had instructions regarding witnesses in Oregon. Mom died in November. We are in probate and the court accepted the will (it helped that nobody objected to the will). The will was simple (no minor children for example). I'm bothered ...
by ccieemeritus
Sun Jan 07, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: "Sharing" Internet/WiFi with neighbors?
Replies: 38
Views: 2463

Re: "Sharing" Internet/WiFi with neighbors?

Going at this from the technical rather than legal angle. Lets assume you get a higher bandwidth ISP connection at home (perhaps a Comcast business cable connection in the 100 mbit range). Just because you can see the neighbors WiFi SSID's in your house, that does not mean you could connect to them ...
by ccieemeritus
Fri Jan 05, 2018 8:59 pm
Forum: Investing - Theory, News & General
Topic: Why Edward Jones?
Replies: 25
Views: 3701

Re: Why Edward Jones?

Financial paperwork is complicated. DD just inherited two IRA's from my Mom. She also has a Roth IRA and a taxable account (formerly custodial account) I set up for her. DD also has her bank account and a 401k at work. Six accounts (2 with RMD's) for a 21 year old! They are currently spread across 4...
by ccieemeritus
Thu Jan 04, 2018 11:00 pm
Forum: Forum Issues and Administration
Topic: New Record? [number of posts in a day]
Replies: 8
Views: 1394

Re: New Record?

But you cheated! You have two separate posts/threads labeled "New Record". I'll bet you counted both of them. Talk about padding the stats!

;-)

More seriously, congratulations and thanks to the site admins and moderators. This site has helped me personally.

[threads merged - admin alex]
by ccieemeritus
Thu Jan 04, 2018 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Investment account for child
Replies: 4
Views: 404

Re: Investment account for child

In many states UTMAs can be set up to remain in parents control until 21. I suggest declining options and margin privileges when setting up the account. If you ever let him trade without supervision that will limit the damage. For my son we put 50% of the first $1k into SWPPX and the other 50% into ...
by ccieemeritus
Wed Jan 03, 2018 4:16 am
Forum: Personal Finance (Not Investing)
Topic: Downloading eStatements from Schwab
Replies: 4
Views: 436

Re: Downloading eStatements from Schwab

I led them send trade confirmations and prospectuses to me electronically. But I insist on getting statements in the mail. Then I file them. I’d be happy with quarterly statements to reduce the amount of paper.