Search found 581 matches

by ccieemeritus
Thu Jan 17, 2019 8:28 pm
Forum: Personal Consumer Issues
Topic: Audio book options
Replies: 28
Views: 1061

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: 794

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: 1085

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: 450

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: 1387

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: 638

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: 145
Views: 6806

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: 62
Views: 7698

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: 8300

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: 1237

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: 145
Views: 6806

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: 753

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: 2388

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: 1642

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: Investing - Help with Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 129
Views: 13141

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: 2204

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: 452

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: 1559

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: 21995

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: 896

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: 1629

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: 5364

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: 3622

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...
by ccieemeritus
Sat Oct 13, 2018 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor discussing finances with me
Replies: 64
Views: 6155

Re: Neighbor discussing finances with me

+1 for a book. Call it an early Christmas present. I like to give advice by saying "what I would do". That's lower risk than telling him what he should do. Examples: "I like investing in S&P 500 index funds", "I invest with low cost mutual funds at Schwab and Vanguard", "My goal is to gain 7% a year...
by ccieemeritus
Mon Sep 17, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2338

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: 3997

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: 9941

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: 1140

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: 17
Views: 1667

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: 4759

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: 862

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: 6291

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: 6291

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: 1939

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: 4647

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: 1539

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: 44
Views: 7151

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: 44
Views: 7151

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: 3443

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: 1205

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: 92
Views: 17957

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: 9385

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: 1513

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: 1513

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: 8
Views: 1356

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: 1330

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: 1488

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: 36
Views: 7174

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: 10568

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: 36
Views: 7174

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.