Search found 625 matches

by ccieemeritus
Thu Jul 18, 2019 3:25 am
Forum: Personal Consumer Issues
Topic: Apple Watch Worth The $$$?
Replies: 41
Views: 3744

Re: Apple Watch Worth The $$$?

I love my Apple Watch 3 for recording my bike rides and my walking. I also love the AirPods. I’ve bicycled at least a thousand miles listening to audiobooks with my iPhone + AirPods: they never fell out. I understand there’s a watch audible app now too but I bike with my phone and find that more con...
by ccieemeritus
Sun Jul 07, 2019 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: 529 or mortgage?
Replies: 14
Views: 1386

Re: 529 or mortgage?

No need to feel guilty: 1) You're taking care of your own retirement. As a result you will not be a burden on your (then grown up) kids in retirement. Retirement savings is a higher priority than college savings because kids can borrow for college but retirees _cannot_ borrow for retirement. 2) Your...
by ccieemeritus
Sat Jul 06, 2019 3:18 am
Forum: Personal Consumer Issues
Topic: bike for 79 year old man
Replies: 26
Views: 2222

Re: bike for 79 year old man

I’m 50 and prefer a high handlebar so I don’t bend my back. I had trouble finding models like that until I searched on “commuter” bikes.
by ccieemeritus
Wed Jul 03, 2019 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: SF Bay area: high school and college apps
Replies: 18
Views: 1927

Re: SF Bay area: high school and college apps

Worry more about getting your kids the best education, rather than ranking. In my case we sent kids to private school through 8th grade, then public for high school. I was concerned that a kid who was in private school all the way through 12th would have difficulty adjusting to the “freedom” of coll...
by ccieemeritus
Sat Jun 22, 2019 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: 529/coverdells/ ibonds for college
Replies: 7
Views: 755

Re: 529/coverdells/ ibonds for college

Coverdell can be used until age 30. 529 forever (and passed on to grandkids). So I took money out of Coverdell first. But if you expect both to be exhausted it doesn't matter much. Coverdells have more investment options but since we're Bogleheads investing in index funds that doesn't matter much. I...
by ccieemeritus
Sat Jun 15, 2019 11:22 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 98
Views: 9403

Re: IPhone 6 - showing some age

+1 for Furwut's comment above (I wrote this then noticed it was mostly a repeat). On the iPhone in iOS 12 you can go to settings -> battery (near the bottom of the 3rd batch of options) -> battery health My iPhone SE shows a battery capacity of 88%. But it feels worse. If I use my phone often (parti...
by ccieemeritus
Thu Jun 13, 2019 8:01 pm
Forum: Personal Investments
Topic: Expense Ratio Math Help
Replies: 9
Views: 704

Re: Expense Ratio Math Help

I think it's more enlightening to talk about the $ amount rather than the ER. Lets say you have a $100,000 portfolio. 75% of that ($75,000) is in a fund with a 0.03% ER. 0.03% means your annual expense is 0.0003 x $75000 = $22.5 dollars per year. 25% of that ($25,000) is in a fund with a 0.7% ER. 0....
by ccieemeritus
Sun Jun 09, 2019 3:11 am
Forum: Personal Consumer Issues
Topic: iPad vs. iPad Pro vs. 2-in-1 laptop ...
Replies: 5
Views: 898

Re: iPad vs. iPad Pro vs. 2-in-1 laptop ...

Just got the new 2019 iPad Air including some extra storage. Very happy with it. My prior iPad was 4.5 years old but got noticeably worse after the iOS 12.3.1 upgrade.

Note that the iPad Air only supports Apple Pencil 1. Not pencil 2. Not an issue for me.
by ccieemeritus
Sun Jun 09, 2019 3:01 am
Forum: Personal Consumer Issues
Topic: iPad for notetaking with stylus
Replies: 10
Views: 803

Re: iPad for notetaking with stylus

Latest iPad Air supports Apple Pencil 1 iPad Pro supports Apple Pencil 2 iPad Pro significantly more expensive Apple Pencil 2 supports magnetic charging, double tap to change writing modes. Pencil 1 charges with (per my son) male lightning port which plugs into iPad (confirm this) which seems fragil...
by ccieemeritus
Sat Jun 08, 2019 9:40 pm
Forum: Personal Consumer Issues
Topic: HBO Now
Replies: 11
Views: 1443

Re: HBO Now

I subscribed to HBO Now for a couple months through iTunes. Caught up on shows, including Cherynobyl. Just cancelled. Will probably do that again sometime next year.
by ccieemeritus
Sat Jun 08, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: Sports classes in Universities
Replies: 60
Views: 3792

Re: Sports classes in Universities

NCSU (Raleigh) has various PE classes. Taking a couple of them is even a graduation requirement.

I'm happy to see that lifeguarding is one of the options.
by ccieemeritus
Fri Jun 07, 2019 10:28 pm
Forum: Personal Investments
Topic: Question about RMDs from inherited IRA
Replies: 23
Views: 1627

Re: Question about RMDs from inherited IRA

My kids inherited IRA's from my Mom. So I have some experience. But I am not a lawyer or tax expert. Lets go to the official IRS documentation: https://www.irs.gov/publications/p590b EDIT: The hardest part of reading 590b is keeping track of which type of IRA they are talking about. For example, don...
by ccieemeritus
Thu Jun 06, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Working for the Airlines - Value of Free Travel
Replies: 62
Views: 5279

Re: Working for the Airlines - Value of Free Travel

As a teenager I flew "space available" with American Airlines in the late 1970's thanks to passes from my Grandmother. Had to dress nice and even got to fly first class once. Flying "space available" isn't what it used to be. Planes routinely fly maxed out thanks to computer adjusted ticket pricing....
by ccieemeritus
Mon May 27, 2019 3:37 pm
Forum: Investing - Theory, News & General
Topic: Any one ever use paid subscriptions from Seeking Alpha ?
Replies: 18
Views: 1828

Re: Any one ever use paid subscriptions from Seeking Alpha ?

No. I avoid reading seeking alpha but have news articles about AAPL pop up on feeds periodically (perhaps via yahoo finance). A google search on "seeking alpha apple" shows a schizophrenic attitude to that stock. I can only assume they are similarly inconsistent for other stocks. - "Apple's Stock Is...
by ccieemeritus
Thu May 23, 2019 9:09 pm
Forum: Investing - Theory, News & General
Topic: Switching from Vanguard to Schwab
Replies: 19
Views: 2982

Re: Switching from Vanguard to Schwab

I have accounts at both Vanguard and Schwab. I'm happy with both. But I use Vanguard for a "plain taxable account". Schwab supports a bunch of different (more complex) account types. In addition to a taxable account at Schwab I have: Roth Coverdell (old, from before 529's got "good") Custodial accou...
by ccieemeritus
Wed May 22, 2019 12:42 am
Forum: Personal Consumer Issues
Topic: Computer speed question which computer is faster and why?
Replies: 22
Views: 1576

Re: Computer speed question which computer is faster and why?

My rule of thumb when buying a new computer (Mac) is to get more RAM but not to worry about getting the fastest CPU. CPU's today are plenty fast. As new operating system updates get released they gradually use more and more RAM. At some point the upgrade will use enough memory to trash performance. ...
by ccieemeritus
Sat May 04, 2019 12:17 am
Forum: Personal Finance (Not Investing)
Topic: Giving two week's notice before stock options vest
Replies: 91
Views: 6720

Re: Giving two week's notice before stock options vest

The OP said that the new company is not a competitor to the old company. I've seen multiple people walked out the door of tech companies when giving notice because they went to "sensitive competitors". In one case (many years ago) the job transition was Cisco -> Juniper so that makes sense. Direct p...
by ccieemeritus
Sat May 04, 2019 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Need a good corporate bank for LLC
Replies: 3
Views: 295

Re: Need a good corporate bank for LLC

I recently compared Chase vs Bank Of America for a LLC business account. I chose Chase because they had a lower minimum balance without fees. This was in CA. I did not consider Wells Fargo at the time (and would be reluctant to do so due to last year's account scandal).
by ccieemeritus
Wed May 01, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 87
Views: 6006

Re: bike helmets

Not only do I wear my helmet when biking I added this product to provide protection from the sun, works well. It fits on most helmets, very popular in Phoenix. http://www.dabrim.com/html/products/cycling/classic.htm That is the dumbest-looking thing I've ever seen. ...and I kind of want one. :D Tha...
by ccieemeritus
Thu Apr 25, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: Folding bikes: Go Brompton or cheaper?
Replies: 27
Views: 2134

Re: Folding bikes: Go Brompton or cheaper?

I have a citizen bike with the larger wheel option (16” if I remember right). Even though it folds it’s still pretty heavy and uses a lot of a car trunk. The pedals have a shorter stroke (radius) than a normal bike which I find annoying. I enjoyed it when I first got it but haven’t ridden it lately....
by ccieemeritus
Tue Apr 23, 2019 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Spending down 529 Money
Replies: 22
Views: 2508

Re: Spending down 529 Money

Summary: You have $160k in the 529 plan. Total estimated expenditure is $160k (assuming 4 years) You have the ability to put in an additional $14k per year while maintaining your current lifestyle. My DD already completed public school undergrad and is starting grad school (with money leftover thank...
by ccieemeritus
Sat Apr 13, 2019 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: $1 State income tax refund from CA - Why?
Replies: 12
Views: 2774

Re: $1 State income tax refund from CA - Why?

I also got a $1 check from CA today after owning money from TurboTax. Thanks for that link.
by ccieemeritus
Mon Apr 08, 2019 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes (itemize or not?)
Replies: 16
Views: 1294

Re: Taxes (itemize or not?)

One other advantage of standard deduction is if you get a state tax refund, you will get a 1099G which you have to deal with next year. But if your federal deduction is standard then 1099G for state tax refund has no impact.
by ccieemeritus
Mon Apr 08, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: router internet parental controls
Replies: 28
Views: 1888

Re: router internet parental controls

+1 for OpenDNS being easy and effective. But yes you have to reboot for it to work. Even public companies use OpenDNS. Users can bypass if they understand DNS. Those people have a good future in IT :-) -1 for router website filtering (other than OpenDNS). As mentioned earlier, cell phones using the ...
by ccieemeritus
Fri Apr 05, 2019 11:08 pm
Forum: Personal Consumer Issues
Topic: Daughter going to college in Glasgow
Replies: 14
Views: 1353

Daughter going to college in Glasgow

It is likely my 23 year old daughter will be going to college (Vet school) in Glasgow starting in September. We have a campus visit planned shortly. Here's what I've figured out so far: The school/program is on the right list so our 529/coverdell plans will apply. First year she will likely be in ca...
by ccieemeritus
Mon Apr 01, 2019 1:25 am
Forum: Personal Finance (Not Investing)
Topic: Taxes (NY) - Non Resident
Replies: 8
Views: 650

Re: Taxes (NY) - Non Resident

NY nonresident form is very particular about the number of days you worked in NY.
by ccieemeritus
Mon Apr 01, 2019 1:19 am
Forum: Personal Consumer Issues
Topic: alaska cruise
Replies: 14
Views: 2126

Re: alaska cruise

Denali was a great trip. Good choice.
by ccieemeritus
Mon Apr 01, 2019 1:13 am
Forum: Personal Consumer Issues
Topic: Best enhancement for folks who work from home
Replies: 42
Views: 4414

Re: Best enhancement for folks who work from home

Scansnap for convenient scanning of documents, particularly those requiring signature.
by ccieemeritus
Mon Apr 01, 2019 12:58 am
Forum: Personal Finance (Not Investing)
Topic: Probate Oregon
Replies: 4
Views: 667

Re: Probate Oregon

I did an Oregon probate from California last year and posted an “after action report” which you may find useful (link below). Since my Mom’s death was expected I already understood the financial accounts and many personal belongings were already dealt with. So the probate turned into selling the hou...
by ccieemeritus
Sat Mar 30, 2019 11:01 am
Forum: Personal Investments
Topic: Coverdell Options after fees went up
Replies: 6
Views: 640

Re: Coverdell Options after fees went up

I think it is possible to convert a Coverdell to a 529. That may give you a lower fee option.
by ccieemeritus
Wed Mar 20, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: Computer security
Replies: 52
Views: 3831

Re: Computer security

My security rules of thumb:

1) use a password manager (1Password bought outright in my case).

2) Have a different password on each account.

3) “Financial” accounts get 2-factor authentication enabled.
by ccieemeritus
Sat Mar 16, 2019 10:02 pm
Forum: Personal Consumer Issues
Topic: What's Your Opinion on Nest Thermostats
Replies: 62
Views: 5492

Re: What's Your Opinion on Nest Thermostats

Best feature of the best is it has a motion sensor and if you don’t walk past it for several hours during the day it turns down the heat.
by ccieemeritus
Sun Mar 10, 2019 1:45 am
Forum: Personal Finance (Not Investing)
Topic: Car Damaged File With Insurance or Not
Replies: 12
Views: 1048

Re: Car Damaged File With Insurance or Not

You are not required to disclose that a vehicle was damaged, as long as it was repaired to oem standards. Just like if you replace an alternator, you dont need to disclose that either. I am not a lawyer, but that probably varies by state (and is incorrect in many). In CA I found this link: "2005 Ca...
by ccieemeritus
Wed Feb 20, 2019 10:07 pm
Forum: Personal Investments
Topic: 401(k) Matching Formula Question
Replies: 20
Views: 1076

Re: 401(k) Matching Formula Question

I used to max out my 401k early. My matching was per pay period and I missed out on some money late each year.

I got smarter (partly by reading Bogleheads). I adjusted my percentage to max out during the last period.
by ccieemeritus
Sat Feb 16, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Get an umbrella and reduce limits on vehicle coverage?
Replies: 23
Views: 1037

Re: Get an umbrella and reduce limits on vehicle coverage?

Generally the umbrella insurer requires that you have the auto policy with them and it be a certain size.
by ccieemeritus
Wed Feb 06, 2019 3:27 am
Forum: Investing - Theory, News & General
Topic: converting minor's account at age 21 - what's your customer-service experience?
Replies: 12
Views: 986

Re: converting minor's account at age 21 - what's your customer-service experience?

Simple to convert UTMA at Schwab when DD turned 21. In fact I think they initiated the process automatically.
by ccieemeritus
Sat Feb 02, 2019 4:18 am
Forum: Personal Investments
Topic: Graduate student looking for financial advice
Replies: 17
Views: 969

Re: Graduate student looking for financial advice

It’s too late for you but the most important financial choice for graduate school is the course of study. My wife got a PhD in (research) microbiology. Unfortunately, professors get many microbiology grad students for cheap labor on research projects. As a result there was a surplus of microbiology ...
by ccieemeritus
Fri Jan 25, 2019 6:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard stole $0.01?
Replies: 80
Views: 6109

Re: Vanguard stole $0.01?

Perhaps you could mail them a letter to complain about the 1 cent?
by ccieemeritus
Thu Jan 24, 2019 4:46 am
Forum: Personal Consumer Issues
Topic: Is it wise to move from NewYorkCity to Sunnyvale CA, Lifestyle choice to be more outdoorsy - warm weather
Replies: 61
Views: 6090

Re: Is it wise to move from NewYorkCity to Sunnyvale CA, Lifestyle choice to be more outdoorsy - warm weather

Sunnyvale has great mild weather (close to ocean so usually not too hot in summer, not too cold in winter). Nice parks. Good bike lanes. Decent schools. I saw a couple snowflakes here once in 1997. Good food. But no “open spaces” (other than parks) left without a drive. Houses are $1000+ per square ...
by ccieemeritus
Thu Jan 24, 2019 4:28 am
Forum: Personal Finance (Not Investing)
Topic: Regret taking a new job
Replies: 19
Views: 3735

Re: Regret taking a new job

Megacorp veteran both as an individual contributor and manager here. Put yourself in the managers position: 1) You have a new employee for a contract. 2) That employee doesn’t have access to work on that contract yet. In that position, as a manager, I’d find something useful for that new employee to...
by ccieemeritus
Thu Jan 24, 2019 4:03 am
Forum: Personal Investments
Topic: Inherited IRA question
Replies: 22
Views: 1607

Re: Inherited IRA question

I had no issues getting TD Ameritrade to split an IRA into 20% chunks as per the beneficiary designation as paperwork was submitted for each of 5 inheritors. I’m curious what “brokerage” you are dealing with. I’ve found estate departments at large brokerages to be very helpful. It’s possible that th...
by ccieemeritus
Thu Jan 24, 2019 3:36 am
Forum: Personal Investments
Topic: Depositing Checks at a Schwab Branch?
Replies: 7
Views: 1077

Re: Depositing Checks at a Schwab Branch?

I’ve deposited checks at the Schwab office and never had a problem. But the largest check was around $65k. $750k makes me nervous, so I understand your question. I got a receipt when depositing. I think it had the account number. They scan it through a machine at the front desk (in my direct line of...
by ccieemeritus
Thu Jan 17, 2019 8:28 pm
Forum: Personal Consumer Issues
Topic: Audio book options
Replies: 28
Views: 1290

Re: Audio book options

+1 audible. In addition to the “subscription” which gives me 1 book credit per month for $16?-ish, I have the option to buy 3 extra credits for $30. So I’m averaging about $12 per book.
by ccieemeritus
Thu Jan 17, 2019 3:37 am
Forum: Personal Consumer Issues
Topic: Paperless and organizing document
Replies: 7
Views: 862

Re: Paperless and organizing document

I’m very happy with my Fujitsu scansnap S1300i for about $250. I noticed carmax used it. I like getting paper statements and bills in the mail (emptying the incoming mailbox is my “system”—I get too much email to keep that inbox clean). The scansnap scans 2 sides and scans multiple pages—although I ...
by ccieemeritus
Wed Jan 16, 2019 5:26 am
Forum: Personal Finance (Not Investing)
Topic: Govt contractors what would you do
Replies: 7
Views: 1137

Re: Govt contractors what would you do

My wife works for a NASA contractor, normally at a NASA facility. The contractor was already funded into January, so she’s still working...but from home (she’s a software programmer/manager). Recent update is that she’ll be furloughed Jan 25th when money runs out. Health insurance will run to end of...
by ccieemeritus
Sun Jan 13, 2019 4:04 pm
Forum: Investing - Theory, News & General
Topic: Favorite investing/personal finance Audiobooks?
Replies: 7
Views: 627

Re: Favorite investing/personal finance Audiobooks?

It’s been a while since I listened to it but I see the classic “where are the customer’s yachts” in my audible history. I finished it.
by ccieemeritus
Thu Jan 10, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: Techies: Advice on How to Transfer Data/Files from Old Mac to New Mac
Replies: 22
Views: 1471

Re: Techies: Advice on How to Transfer Data/Files from Old Mac to New Mac

MacKeeper is awful and hard to clean up. Ouch. I recommend against a “clean up” program. Your willingness to manually copy stuff will help you. But you’ll find much of your application data in “~/Application Support” +1 on making a backup. Your old Mac is very old. Some of your old apps probably won...
by ccieemeritus
Sun Jan 06, 2019 6:11 pm
Forum: Personal Consumer Issues
Topic: DNS internet site filtering
Replies: 8
Views: 671

Re: DNS internet site filtering

+1 for opendns.com for dns site filtering. They let you block categories of websites and have instructions on their website. You can set up your home router to use opendns, but mobile phones would not be affected by default when using cell service rather than your home Wifi. Last time I used opendns...