Search found 557 matches

by ccieemeritus
Mon Sep 17, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2114

Re: $180 IPhone SE or $90 Iphone 5S

I have an SE and am happy with it. I prefer the smaller iPhone to fit in my pocket. I wouldn’t buy a 5s. Too old.

That said, even the SE is a bit old now ( Apple stopped selling it last week). But for $180 it’s a good iPhone.

Btw, this post made on my SE.
by ccieemeritus
Sat Sep 08, 2018 2:52 am
Forum: Personal Consumer Issues
Topic: Bike computer or Apple Watch?
Replies: 49
Views: 3309

Re: Bike computer or Apple Watch?

+1 Apple Watch. My old model 0 Apple Watch would run out of batteries after 30 miles of riding but my new series 3 (non cellular) has over 60% battery after 43 miles. I also use airpods to listen to audiobooks (using my phone as the source) during my rides. Works great and never fell out while riding.
by ccieemeritus
Sun Sep 02, 2018 1:32 am
Forum: Personal Finance (Not Investing)
Topic: What is your stealth way to save monthly?
Replies: 87
Views: 9497

Re: What is your stealth way to save monthly?

My wife cuts my hair. I’ve only paid for 2 haircuts in our 25 years of marriage.

The money isnt an issue any more. But it’s still more convenient.

My wife let me cut her hair _once_. Never again.
by ccieemeritus
Sun Sep 02, 2018 1:25 am
Forum: Personal Finance (Not Investing)
Topic: Paying estimated tax on inheritance; tax bracket or marginal rate?
Replies: 11
Views: 1061

Re: Paying estimated tax on inheritance; tax bracket or marginal rate?

I recommend the OP investigate why some of the inheritance is taxable and which tax precisely. Tax on inheritance is unusual. If it was a 401k or IRA I’d expect to receive that as an inherited Ira, not a distribution.

Double check!
by ccieemeritus
Mon Aug 20, 2018 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: CA resident 529
Replies: 13
Views: 1234

Re: CA resident 529

I live in California and use Scholarshare. My kids funds are 100% "Index U.S. Equity Portfolio". Total annual asset based fees is 0.08%. The passive age-based portfolios have total annual asset-based fees in the 0.11% - 0.17% range.
by ccieemeritus
Mon Jul 23, 2018 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone sell their car to Carmax or webuyanycar.com?
Replies: 34
Views: 3678

Re: Anyone sell their car to Carmax or webuyanycar.com?

Sold 17-year-old Toyota Sienna with 193k miles on it to Carmax in <3 hours for $700. I could have done better with a private transaction but it was hassle-free which was my objective for my ancient car. Of course I needed to bring my title and ID and it was titled correctly (car was owned by myself ...
by ccieemeritus
Mon Jul 16, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: DSL Modem and settings for TDS.net
Replies: 5
Views: 428

Re: DSL Modem and settings for TDS.net

Retired network engineer here, but not a DSL or Cable expert. When DSL doesn't work reliably, sometimes it's due to the wires between your house and the CO. Sometimes it's the distance of the wires. Sometimes it's the wires in the house. The phone company is unlikely to fix this. Repeated calls to t...
by ccieemeritus
Sat Jun 30, 2018 1:16 am
Forum: Personal Finance (Not Investing)
Topic: Timing exit from megacorp
Replies: 54
Views: 6094

Re: Timing exit from megacorp

Regarding insurance termination date, even at the same company it can depend on the plan. My kaiser coverage was month to month. But the PPO option was different. Search the HR website for “when benefits end” to get written details. The annoying thing about COBRA was that they don’t mail you paperwo...
by ccieemeritus
Thu Jun 28, 2018 3:02 am
Forum: Personal Finance (Not Investing)
Topic: Timing exit from megacorp
Replies: 54
Views: 6094

Re: Timing exit from megacorp

There is nothing wrong with “self-interest” when picking your retirement date. Get every bonus and RSU you can. Managers understand and respect self interest. We always had people leave just after vesting or bonus time (including our department financial controller one year-she obviously had her fin...
by ccieemeritus
Fri Jun 22, 2018 2:26 am
Forum: Forum Issues and Administration
Topic: Server Maintenance - Today June 21, 2018 at 15:45 EDT
Replies: 18
Views: 1696

Re: Server Maintenance - Today June 21, 2018 at 15:45 EDT

Thank you Mingstar.

As a retired IT guy, I’ll share my favorite related quote:

“Backups are easy. Restores are hard.”

:-)
by ccieemeritus
Wed Jun 13, 2018 2:01 am
Forum: Investing - Theory, News & General
Topic: WSJ-- Next Stop for Mutual-Fund Fees: Zero
Replies: 40
Views: 4445

Re: WSJ-- Next Stop for Mutual-Fund Fees: Zero

While I like lower fees, I get suspicious when something is free. All companies have expenses. If I’m not paying then I’m not the customer: I’m the product.

I understand from the article there’s some revenue from lending shares. But I’d still be suspicious.
by ccieemeritus
Wed Jun 13, 2018 1:47 am
Forum: Personal Consumer Issues
Topic: What To Do About 2001 Honda Odyssey With No AIr
Replies: 16
Views: 1458

Re: What To Do About 2001 Honda Odyssey With No AIr

You win. I gave up and sold my 2001 Toyota Sienna (191k miles) to Carmax back in January. My Sienna also had AC fail but recharging it was effective. Eventually the old Sienna had increasing maintenance issues and I decided I’d earned a new car. My next new car will drive itself. But that might be 1...
by ccieemeritus
Wed Jun 13, 2018 1:31 am
Forum: Personal Consumer Issues
Topic: Subaru infotainment issues -can people chime in?
Replies: 26
Views: 2625

Re: Subaru infotainment issues -can people chime in?

jayk238 wrote:
Tue Jun 12, 2018 1:26 pm
ccieemeritus wrote:
Tue Jun 12, 2018 10:42 am
I am happy with my 2018 Subaru Outback entertainment system. The Bluetooth connects with my iPhone fine. If I plug in the wire I get the CarPlay feature set.
how long have you had it
Bought in January.
by ccieemeritus
Tue Jun 12, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Subaru infotainment issues -can people chime in?
Replies: 26
Views: 2625

Re: Subaru infotainment issues -can people chime in?

I am happy with my 2018 Subaru Outback entertainment system. The Bluetooth connects with my iPhone fine. If I plug in the wire I get the CarPlay feature set.
by ccieemeritus
Mon Jun 11, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: Would you choose text or email for two-factor authentication?
Replies: 50
Views: 3246

Re: Would you choose text or email for two-factor authentication?

Text. I agree with the people who don’t want the code on the same device they are logging in with. I also consider access to my email to be less secure than access to my phone.

Bank of America and Schwab let me choose from 2 phones: mine and DW. I like that feature.
by ccieemeritus
Sat Jun 09, 2018 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Title company asking for another warranty deed?
Replies: 12
Views: 1160

Re: Title company asking for another warranty deed?

I, for one, salute the title company for protecting your privacy by shredding unneeded documents promptly after the transaction. Of course, in this case they made an error, and need your help to fix it. After verifying that it’s not a scam by calling, I’d be inclined to cooperate. I’ve made plenty o...
by ccieemeritus
Fri Jun 08, 2018 10:35 pm
Forum: Investing - Theory, News & General
Topic: Why Edward Jones?
Replies: 76
Views: 13118

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 ...
by ccieemeritus
Tue Jun 05, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: Don't make the mistake I made (Telemarketing hell)
Replies: 67
Views: 9128

Re: Don't make the mistake I made (Telemarketing hell)

I’ve got a new system:

I recently switched my home ooma over to “always go to voicemail” which sends me an email.

Friends get my cell number. Businesses get my home number (which always goes to voicemail). This way my cell number is not “getting out there”.
by ccieemeritus
Sun Jun 03, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Sale of inherited house by estate: tax question
Replies: 15
Views: 1438

Re: Sale of inherited house by estate: tax question

Thank you all for your comments. It seems clear that I don't need to file an estate tax return for the gains. I'd get nervous about trying to claim a $30k loss and passing it on to the heirs (only $18k of that would go to people with income where it would be beneficial). So I'm not likely to do that...
by ccieemeritus
Tue May 29, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Sale of inherited house by estate: tax question
Replies: 15
Views: 1438

Sale of inherited house by estate: tax question

My Mom passed away on 11/1/17. Estate went into probate. I'm the executor. We estimated her house had a value of $315,000 on the probate inventory without doing a formal appraisal (we were nowhere close to any form of inheritance tax or a change in the probate listing fees--so the precise value didn...
by ccieemeritus
Sun May 06, 2018 4:07 am
Forum: Personal Finance (Not Investing)
Topic: IRS Filing [Should 1040X be filed?]
Replies: 7
Views: 989

Re: IRS Filing

I once got an “unexpected” (forgot that I got final paycheck in January). w2 2 days after submitting my taxes. I submitted the 1040x almost immediately and before April 15th.

I’ve since learned not to do taxes until March.
by ccieemeritus
Sun May 06, 2018 12:58 am
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax not allowed to consider Qualified Dividends?
Replies: 15
Views: 1228

Re: Estimated Tax not allowed to consider Qualified Dividends?

The worksheet is just a worksheeet. In 2019 you will fill out your real tax form. You will calculate the amount of tax you should have paid in 2018. You will calculate the tax you did prepay (estimated payments and withholdings). You may have tax due, or a refund due. If you have too much tax due, o...
by ccieemeritus
Sun Apr 01, 2018 12:00 pm
Forum: Forum Issues and Administration
Topic: Omnibus off-topic and lockable thread
Replies: 2
Views: 1144

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: 31
Views: 5539

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: 10106

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: 31
Views: 5539

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: 31
Views: 5539

$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: 2089

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: 2080

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: 1033

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: 2673

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: 1906

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: 653

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: 3317

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: 387

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: 2448

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: 2106

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: 373

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: 433
Views: 56321

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: 6967

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: 16067

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: 4208

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: 2266

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: 2080

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: 6367

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: 3191

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: 3123

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: 1128

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: 2820

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: 900

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....