Search found 608 matches

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: 5483

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: 248

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: 5795

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: 1865

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: 2356

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: 2622

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: 1220

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: 1686

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: 1292

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: 602

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: 1958

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: 4049

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: 638

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: 606

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: 3505

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: 4955

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: 1009

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: 1030

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: 1003

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: 882

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: 940

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: 5749

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: 5690

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: 3656

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: 1520

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: 942

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: 1143

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: 824

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: 1106

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: 498

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: 1426

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: 650

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...
by ccieemeritus
Thu Jan 03, 2019 5:50 am
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 207
Views: 12652

Re: 2019 Hedge Fund Contest

ccieemeritus wrote:
Tue Jan 01, 2019 6:50 pm
Name: diversified ultra safe admirals fund.

Long AAPL

That’s it!
Ouch. I just picked AAPL one trading day before they issued a revenue warning. Welcome to the perils of investing in individual stocks. 😀
by ccieemeritus
Thu Jan 03, 2019 5:44 am
Forum: Personal Finance (Not Investing)
Topic: New job, sales at Subaru
Replies: 72
Views: 9722

Re: New job, sales at Subaru

Good luck with the new job.

I think “haggling” sales experience is useful for many careers. I worked as an IT lead and manager. I was strong in most areas but “weak” negotiating with vendors. A year of car sales experience would have been useful. Remember that in future resumes and interviews.
by ccieemeritus
Tue Jan 01, 2019 9:51 pm
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 8554

Re: Your ideal home size

A family of 4 with 1440 square feet 3br 2ba in an excellent location in a very high cost of living area. Wonderful backyard for kids to play. This was supposed to be our starter home and it’s always been a bit cramped. Even with our 2nd kid going to college next year we want to increase the size. In...
by ccieemeritus
Tue Jan 01, 2019 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Will question re: Fidelity acct beneficiaries
Replies: 17
Views: 1297

Re: Will question re: Fidelity acct beneficiaries

Remember that beneficiaries are per account, not per brokerage. If you have a traditional ira, a Roth IRA, and a taxable account at fidelity, that is three accounts. Make sure to update beneficiaries on all 3 accounts. I am not a lawyer, but the talk about using joint accounts to avoid inheritance t...
by ccieemeritus
Tue Jan 01, 2019 6:50 pm
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 207
Views: 12652

Re: 2019 Hedge Fund Contest

Name: diversified ultra safe admirals fund.

Long AAPL

That’s it!
by ccieemeritus
Sun Dec 30, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: How do "Settled Funds" work when attempting to TLH/swap ETFs?
Replies: 14
Views: 835

Re: How do "Settled Funds" work when attempting to TLH/swap ETFs?

I once asked a broker (who calls himself an advisor) at Schwab whether I should keep my “margin” account feature on my taxable account when I never buy on margin. He gave same day sale/buy as a reason. Both the sale and the buy will settle in the future on the (same) settlement date. If the actual s...
by ccieemeritus
Sat Dec 29, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: Must sees in Kauai.
Replies: 39
Views: 2500

Re: Must sees in Kauai.

Not a tourist attraction but the cheapest place to stock up on stuff is the Costco. We even bought some (cheap) waterboards there and left them with a “free” sign at hotel when leaving. Cheaper than renting. Costco also had nice Hawaiian shirts.
by ccieemeritus
Sat Dec 29, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Router with VPN - experiences?
Replies: 16
Views: 1900

Re: Router with VPN - experiences?

A VPN is an encrypted “tunnel” to another location (VPN service) which decrypts the data on the tunnel and sends it to the final destination unencrypted (although most web traffic is itself encrypted end-to-end thanks to https). What VPN service are you planning on connecting to? How much will they ...
by ccieemeritus
Sun Dec 23, 2018 6:10 pm
Forum: Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 129
Views: 13459

Re: Is anyone's portfolio not tanking???

On one hand my portfolio has taken a big hit. On the other hand my net worth is the same it was in July 2017. My DW is upset because this decreases the probability of a house upgrade. But we will ride it out. In fact we bought some more stocks with cash on the way down. But we didn’t get lucky like ...
by ccieemeritus
Sun Dec 23, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Apple Watch...Fall detection feature really works...almost too well..
Replies: 12
Views: 2265

Re: Apple Watch...Fall detection feature really works...almost too well..

Once the watch called 911, thank you for staying on the line and telling the dispatcher that it was a false alarm. Makes it an easy call for them to resolve. I once accidentally called 911 while making a long distance call from a company. “Dial 9 to get out, then 1 for long distance...then twitch on...
by ccieemeritus
Sun Dec 23, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: UTMA for stocks -8yo
Replies: 5
Views: 463

Re: UTMA for stocks -8yo

If your daughter is interested in stocks by all means open a UTMA. I went through Schwab for my kids UTMAs because I already had accounts there. The only other option I know of is a 529 (Edit: Coverdell?). I set the age my kids would gain control of the UTMA at 21 but that is not an option in all st...
by ccieemeritus
Wed Dec 19, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Settlement issues and inherited IRAs
Replies: 37
Views: 1807

Re: Estate Settlement issues and inherited IRAs

I'm sorry for your loss. The original post is confusing to me. Two quotes: > About 3 million of the estate is in IRAs that will become successor/inherited IRAs for the heirs. > All the assets are in a trust Is the IRA really in a trust? Is the beneficiary of the IRA the trust or the individuals? Whe...
by ccieemeritus
Thu Dec 06, 2018 5:41 pm
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 191
Views: 22323

Re: Call the top! - Bitcoin

It's not yet 12/31/2018, but given the drop in bitcoin I'm calling a winner. Highest price remains 18675.83 at 2017-12-18T21:00:00Z. johne417 picked that exactly but the bet was invalid since made that bet after the peak (nice try though ;-) Actually he was very honest about that: "I call we've seen...
by ccieemeritus
Thu Dec 06, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Probate after-action report: Oregon
Replies: 7
Views: 1005

Probate after-action report: Oregon

My Mom died on November 1st 2017 and the uncontested probate just cleared 13 months later. I kept some notes and thought they would be helpful for people going into probate or drawing up a will: Timeline . The probate was in Oregon. I live in California. Each step requiring a physical document was d...
by ccieemeritus
Sun Nov 25, 2018 12:06 pm
Forum: Forum Issues and Administration
Topic: SITE OFFLINE (Nov 25) Sunday, 5:00 PM Eastern (22:00 UTC) - software upgrade
Replies: 21
Views: 1797

Re: SITE OFFLINE Sunday, 5:00 PM Eastern (22:00 UTC) - software upgrade

As a retired IT guy, I salute your team for working part of the holiday weekend. Thank you! I’m glad your change window is a reasonable hour, and not oh-dark-30.
by ccieemeritus
Thu Nov 01, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5432

Re: People with older car, share your unusual repairs

I had a 2000 Toyota Sienna with an automatic right sliding door. This was great when my son was a newborn. Around 2010-2013-ish the automatic door motor stopped working, and the motor caused the door to be difficult to manually open. Replacing the motor was expensive so I had them remove the motor t...
by ccieemeritus
Sun Oct 21, 2018 2:03 am
Forum: Personal Finance (Not Investing)
Topic: Can you include this in a will?
Replies: 23
Views: 3681

Re: Can you include this in a will?

I am not a lawyer. My “estate” experience only includes one with no debt. It may help to decrease the amount of money at stake by specifying beneficiaries on your financial accounts. For those accounts the will is ignored and the money will be transferred to beneficiaries as soon as someone shows up...