Search found 1243 matches

by Tamales
Sun Sep 23, 2018 6:14 pm
Forum: Personal Consumer Issues
Topic: Best/worst flavors of Gatorade/Powerade
Replies: 12
Views: 589

Best/worst flavors of Gatorade/Powerade

Lately I've been buying this stuff since one or the other of gatorade or powerade always seems to be on sale for pretty cheap at local grocery stores, but you usually have to buy 10-12 of the 32 oz size to get the sale price. For gatorade, I usually stick to the fruit punch or grape or green apple, ...
by Tamales
Sat Sep 08, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Can you hold treasuries and/or CDs in a 401k account?
Replies: 7
Views: 619

Re: Can you hold treasuries and/or CDs in a 401k account?

Thanks for the replies. Yes, I have a Fido brokerage link account. The Fido website says to refer to the plan documents for a list of allowed/not allowed investments, and the plan documents say to look to the Fido documentation. A circular denial of information. Anyway, I logged in to my Fido accoun...
by Tamales
Fri Sep 07, 2018 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Can you hold treasuries and/or CDs in a 401k account?
Replies: 7
Views: 619

Can you hold treasuries and/or CDs in a 401k account?

Or are there regulations that prohibit it?
If not, anyone do it?
Is this the type of thing your employer may not allow in your 401k, even if the 401k custodian does?
by Tamales
Fri Sep 07, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 423
Views: 39975

Re: Lucrative careers?

The # of shares that are granted to you will vary depending on what the stock does. So your bonus letter will say "you will be paid $120,000 in RSUs, vesting over 4 years ($30,000/year)". If the stock price at the first vest is $10, you will be issued 3,000 shares. If the stock price at next vest i...
by Tamales
Fri Sep 07, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 423
Views: 39975

Re: Lucrative careers?

Some tech companies give out RSUs in terms of $, not # of shares. So you are guaranteed that amount of $ no matter what happens to the stock. Of course that also caps your upside. Let's see if I can salvage something informative out of this thread. I don't understand how RSUs, which are shares and ...
by Tamales
Mon Sep 03, 2018 11:50 pm
Forum: Personal Consumer Issues
Topic: Word document format/numbering question
Replies: 6
Views: 589

Re: Word document format/numbering question

Thanks for the suggestions so far. Saving as .rtf and opening in Wordpad looked promising (I can delete paragraphs without it renumbering) but unfortunately Wordpad doesn't recognize footnotes so those are all gone, and some of the other formatting is messed up or changed. .mht didn't work either (t...
by Tamales
Mon Sep 03, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Word document format/numbering question
Replies: 6
Views: 589

Word document format/numbering question

I have a large Word document, formatted with paragraph numbers and footnote numbers, and I want to create a condensed version where I delete certain paragraphs (and automatically, all footnotes associated with those paragraphs)...but...I want to preserve the original paragraph numbers and original f...
by Tamales
Sat Sep 01, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: How do you store financial account information with your estate plan?
Replies: 51
Views: 3214

Re: How do you store financial account information with your estate plan?

Why aren't the monthly bills set up to automatically withdraw from an account? You can set that up without even owning a computer, just as you can set up automatic deposit of paychecks and SS. That is the practical way to handle it... It's the idealistic, but not always realistic way to handle it. ...
by Tamales
Thu Aug 30, 2018 12:33 am
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 192
Views: 34954

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

Cash flow wise, I know my lender allows recast at no cost - I did one recently last year as my mortgage balance had been aggressively paid down. I could do another recast after doing another paydown, which would lower the minimum monthly payment and thus help potential liquidity issue. Hmm, I never...
by Tamales
Mon Aug 27, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: How often do you change your HVAC filters?
Replies: 57
Views: 3139

Re: How often do you change your HVAC filters?

Not sure what good random internet replies will do since it depends on local climate and on the location of the intake relative to exterior doors and how dusty your location is. But for me, about the same as Rupert (monthly june thru september, and a couple/few times for the rest of the year).
by Tamales
Sat Aug 25, 2018 10:03 am
Forum: Investing - Theory, News & General
Topic: Annual Savings to Expenses Ratio: Meaningful Financial Statistic?
Replies: 22
Views: 1201

Re: Annual Savings to Expenses Ratio: Meaningful Financial Statistic?

Well there are different categories for these things. "Rules of thumb" that you see in financial articles or brokerage websites are only useful for an individual "by coincidence" because they involve sweeping generalizations, with the overarching goal of trivializing a complex calculation. It's anal...
by Tamales
Mon Aug 20, 2018 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Median pay for 30 Bay Area companies
Replies: 7
Views: 1627

Re: Median pay for 30 Bay Area companies

mervin, you're reading a purpose into the data that isn't part of the intent. The data comes from the form DEF 14a disclosure, and all public companies now have to provide this info as part of that filing with the SEC. The purpose is to derive a ratio of median employee pay across the employee base ...
by Tamales
Mon Aug 20, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Median pay for 30 Bay Area companies
Replies: 7
Views: 1627

Median pay for 30 Bay Area companies

article: https://www.cnbc.com/2018/08/20/facebooks-median-pay-tops-240000-compare-that-to-other-tech-firms.html and related, $117k now considered low income in bay area: http://fortune.com/2018/06/27/bay-area-six-figures-housing-hud/ Here's the top 30 median pay (not sure what benefits were included...
by Tamales
Sat Aug 11, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Bulk file rename utility? (e.g. add prefix to all files in a directory)
Replies: 13
Views: 936

Re: Bulk file rename utility? (e.g. add prefix to all files in a directory)

OP here. Looks like the one available from www.bulkrenameutility.co.uk should do the trick. It's even free for personal use.
by Tamales
Sat Aug 11, 2018 12:14 am
Forum: Personal Consumer Issues
Topic: Bulk file rename utility? (e.g. add prefix to all files in a directory)
Replies: 13
Views: 936

Bulk file rename utility? (e.g. add prefix to all files in a directory)

Let's say I have multiple directories, each with hundreds documents, and each document with some random name not in a common pattern. What I want to do (under Windows 10) is add an alpha-numeric prefix to the beginning of each file name. For example, in a directory with 200 Vanguard statements, sort...
by Tamales
Wed Aug 08, 2018 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: (Federal) Supplemental income tax rate questions
Replies: 4
Views: 422

Re: (Federal) Supplemental income tax rate questions

Thanks FiveK and kaneohe. It would be nice if the IRS would relax the underpayment safe harbor threshold relative to last year's tax owed for the 2018 tax year, given the tax law changes. The 100/110% thresholds relative to 2017 actual tax owed aren't too useful for 2018 if you also don't want to si...
by Tamales
Wed Aug 08, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: (Federal) Supplemental income tax rate questions
Replies: 4
Views: 422

(Federal) Supplemental income tax rate questions

For 2018 this has changed to 22% flat rate (from 25% in 2017), and it applies (at least at the megacorp I work at) to bonuses, cash awards, and vested RSUs (although it is fractionally higher than 22% for RSUs since vested RSU tax is taken out as whole shares, which in turn affects the granularity o...
by Tamales
Sat Aug 04, 2018 11:34 pm
Forum: Investing - Theory, News & General
Topic: At what point in history, would I recognize low cost modern index funds?
Replies: 5
Views: 813

Re: At what point in history, would I recognize low cost modern index funds?

I don't know how to quantify modern and low cost, but in Matthew Fink's book (The Rise of Mutual Funds), he describes that index funds were floated as an academic concept in the 1960's, and existed under institutional money managers in the early 1970's. "Against this backdrop in 1976, Vanguard, unde...
by Tamales
Sat Jul 28, 2018 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Effect of Social Security when Retiring before Benefits Begin
Replies: 24
Views: 6060

Re: Effect of Social Security when Retiring before Benefits Begin

Thanks #Cruncher, for the explanation. And for the reminder that the SSA statement's estimate presumes you work until FRA.
by Tamales
Fri Jul 27, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Effect of Social Security when Retiring before Benefits Begin
Replies: 24
Views: 6060

Re: Effect of Social Security when Retiring before Benefits Begin

Thanks #cruncher. I want to understand the logic underpinning the capitalization of one's lifetime social security benefit. In the formula "F. PV of SS" which is =PV(B$11, B$7-B$6, -E14, 0, 0) / (1+B$11)^(B$6-B14) ...you have an equation of the form A/B. It looks like the numerator, A, is calculatin...
by Tamales
Wed Jul 25, 2018 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of Social Security when Retiring before Benefits Begin
Replies: 24
Views: 6060

Re: Effect of Social Security when Retiring before Benefits Begin

[*] Spending with SS Amount that can be spent every year starting at Retire age until the Die age if SS benefits are included. =MIN(PMT(B$11,B$7-B14,-F14-G14,0,0),PMT(B$11,MAX(1,B$6-B14),-G14,0,0)) #cruncher, thanks for sharing your spreadsheet info, and this is some interesting work. I missed it w...
by Tamales
Tue Jul 24, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Excel worksheet for calculating SS bend points
Replies: 42
Views: 4383

Re: Excel worksheet for calculating SS bend points

I don't get the fascination with the second bend point (including some other recent threads), especially as a strategic marker in one's retirement strategy. Maybe someone can explain. Is it something to do with "getting back at the government" so you quit paying taxes on something where you'd get di...
by Tamales
Tue Jul 24, 2018 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Excel worksheet for calculating SS bend points
Replies: 42
Views: 4383

Re: Excel worksheet for calculating SS bend points

[...]In other words, the bend points can change based on one's birth year. See that spreadsheet if you want to look at the formulas used. In words, it takes the average wage index (AWI) in the year one turns 60, divided by the AWI in 1979, and multiplies that ratio times the 1979 bend points of $18...
by Tamales
Mon Jul 23, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Excel worksheet for calculating SS bend points
Replies: 42
Views: 4383

Re: Excel worksheet for calculating SS bend points

I only did a quick review of the spreadsheet but it seems it is missing a few steps if doing a full benefit calculation at ages 62-70 if you're currently under eligibility age. There's an extension of the indexed earnings based on the most recent NAWI value (the 2016 value for a 2018 calculation) th...
by Tamales
Mon Jul 23, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Excel worksheet for calculating SS bend points
Replies: 42
Views: 4383

Re: Excel worksheet for calculating SS bend points

Hi PoF, for your spreadsheet to be more generally applicable the spreadsheet should sort the entire annual indexed wages column by amount, take the sum of the top 35, and divide that by (35*12) Here's an example of using Excel functions LARGE() and ROWS() to create a separate column which gives the ...
by Tamales
Sat May 05, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25056

Re: most compelling TV character ever

As a sidebar comment if you like older TV shows, many cable/satellite networks have a cluster of channels with older shows, but you have to look for them since they can be far away from the mainstream channels. To find if available on your cable system (or over-the-air in your area) go to: Me.TV (ww...
by Tamales
Tue May 01, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Keyboard key labels wearing off...
Replies: 19
Views: 1369

Keyboard key labels wearing off...

I don't know what it is about the "paint" used on (computer) keyboard keys these days, but it sure wears off quickly. I've tried re-drawing the letters with a silver sharpie, but that didn't last long. Anyone have a lasting solution for this? A special kind of paint and/or some chemical to pre-treat...
by Tamales
Sun Apr 15, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Anti-siphon valve making noise (irrigation system)
Replies: 6
Views: 1197

Re: Anti-siphon valve making noise (irrigation system)

Good ideas. Thanks. I don't have much control over the flow rate, other than adding emitters. I clipped off one of the emitters on one of the buzzing zones (as a quick way to increase flow rate), and that did indeed make the buzzing stop. But that's not a practical solution since the clipped-off emi...
by Tamales
Sun Apr 15, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Anti-siphon valve making noise (irrigation system)
Replies: 6
Views: 1197

Anti-siphon valve making noise (irrigation system)

The anti-siphon valve (or backflow preventer, or vacuum breaker, or whatever the correct term is) is on a water line that is branched off my main water line (i.e. after a T-joint), and the valve's output feeds the irrigation system. It's making a noise (sort of a buzzing sound) when certain zones of...
by Tamales
Sun Apr 08, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Where to hold ~500K cash
Replies: 25
Views: 3569

Re: Where to hold ~500K cash

This thread from a while back may help. It gives a number of account scenarios and what the FDIC coverage would be: viewtopic.php?f=2&t=176529&p=2669609&hi ... C#p2669609
by Tamales
Tue Mar 20, 2018 10:34 pm
Forum: Personal Consumer Issues
Topic: Need to pull some data off some old 5-1/4" floppy disks
Replies: 20
Views: 2902

Need to pull some data off some old 5-1/4" floppy disks

I was hoping to just buy a $20 external USB-connected 5-1/4" floppy drive but no dice. They sell USB 3.5 floppy drives but not 5-1/4. I have a couple/few old 5-1/4" internal drives in a box of old computer parts somewhere. What would be the cheapest way to get one of those functional with a modern w...
by Tamales
Tue Mar 20, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Home equity as part of retirement plan
Replies: 59
Views: 4409

Re: Home equity as part of retirement plan

Planning to move out of state upon early retirement, and buy a similar square footage house. Qualifying for a new mortgage while holding a paid-off home in another state and no longer having W2 income is a challenge. Trying to predict the future cost differential between homes in 2 different markets...
by Tamales
Sun Mar 11, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Handling municipal bond interest on state returns in tax software
Replies: 2
Views: 247

Handling municipal bond interest on state returns in tax software

I'm using TaxAct, and I hold 4 different municipal bond mutual funds, each of which has a portion of the 1099B interest attributable to my state. The state instructions indicate you "may" also want to include documentation "such as bank statements, brokerage statements, etc." to justify the portion ...
by Tamales
Sat Mar 10, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score dropped 30 points because I paid off my auto loan?
Replies: 49
Views: 10167

Re: Credit score dropped 30 points because I paid off my auto loan?

Ideally you want 3+ cards all with low utilization. Where did you see that claim of 3+ cards? I've never seen a scoring description where number of cards entered into it, so I'm not sure it's a factor at all, let alone a score booster to have 3+ cards. I've never had more than 2 cards ever in my li...
by Tamales
Sat Mar 10, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Schwab insists on hard inquiry on Equifax credit report !
Replies: 30
Views: 3154

Re: Schwab insists on hard inquiry on Equifax credit report !

- it is unlikely you can make them change the process as these are regulatory requirements Not exactly. There have been other threads on this. There are only minimum requirements specified in the regulations: (see 31 CFR 1020.220 for banks (but the minimum requirements are the same for a broker dea...
by Tamales
Sat Mar 10, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Windows 10: help with interpreting a recurring startup program
Replies: 3
Views: 464

Windows 10: help with interpreting a recurring startup program

I have some software that watches for new or changed startup programs when I cold start my computer, and displays a message when it finds something, and allows you to accept or reject it. I get messages periodically for my security software and various other things, but lately I've been getting a re...
by Tamales
Sun Mar 04, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Annotating locked pdfs
Replies: 13
Views: 1073

Re: Annotating locked pdfs

To add another test subject, Vanguard's downloaded pdfs of Form 1099 are locked, except for printing.

But in this case, 'print to microsoft pdf" didn't work (using Foxit pdf reader). It didn't give any error, it just didn't store the converted doc where I directed it to.
by Tamales
Sun Mar 04, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Annotating locked pdfs
Replies: 13
Views: 1073

Re: Annotating locked pdfs

re: print to pdf (livesoft), Hmm, well it looked promising at first, but I wasn't able to highlight text in the result, even though all properties are allowed in the saved version. Here's a random draft bill from congress as an example: https://www.congress.gov/115/bills/s19/BILLS-115s19es.pdf In th...
by Tamales
Sun Mar 04, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Annotating locked pdfs
Replies: 13
Views: 1073

Annotating locked pdfs

Sometimes you run across pdfs where all the document properties>security fields are set to "not allowed." Certain draft bills from Congress is one example. While I can sometimes see the need to make the "changing the document" field as not allowed, I can't see why most documents would need propertie...
by Tamales
Thu Mar 01, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Updated IRS Withholding Calculator Released
Replies: 32
Views: 3653

Re: 2018 Updated IRS Withholding Calculator Released

From the new W4: " Use this worksheet only if you plan to itemize deductions, claim certain adjustments to income, or have a large amount of nonwage income." What constitutes a "large amount of nonwage income?" I suppose any amount (e.g. of interest from a CD) that will result in an income tax oblig...
by Tamales
Thu Mar 01, 2018 12:03 am
Forum: Personal Finance (Not Investing)
Topic: "FREE" Employer Group Life - Really Costs You !
Replies: 52
Views: 4782

Re: "FREE" Employer Group Life - Really Costs You !

For info and the table, see IRS Publication 15b: https://www.irs.gov/pub/irs-pdf/p15b.pdf on page 13 General IRS info on group term life: https://www.irs.gov/government-entities/federal-state-local-governments/group-term-life-insurance You'll also need to refer to your employee benefit handbook to f...
by Tamales
Wed Feb 21, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Potential employer wants me to give offer - how to respond?
Replies: 63
Views: 6737

Re: Potential employer wants me to give offer - how to respond?

I wanted to give an update. I gave my numbers, 30% more in total compensation. They agreed , and looks like I will be joining Megacorp, albeit I am now waiting on formal written offer. I imagine you are having second thoughts about what you proposed, since they agreed with no modifications or pushb...
by Tamales
Tue Feb 20, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Scratch-removal products for cars
Replies: 3
Views: 631

Re: Scratch-removal products for cars

I'm guessing you're talking about scratch hiding not scratch removal. Assuming a 2-stage, basecoat/clearcoat paint (which most but not all modern vehicles use (e.g. there are still single-stage paints used, and sometimes tinted "clearcoat")... To *remove* scratches (and assuming they are only in the...
by Tamales
Mon Feb 19, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Anyone move/relocate with a large woodshop and wood inventory?
Replies: 9
Views: 1449

Re: Anyone move/relocate with a large woodshop and wood inventory?

Thanks for the replies. re: "Do you remember how the stuff arrived? Presumably strapped to a pallet?" Many of the tools I bought used, locally, so no packaging. Just a short ride in the bed of a truck. A couple I bought new from local retail stores but I never saw the factory packaging since they un...
by Tamales
Sun Feb 18, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Anyone move/relocate with a large woodshop and wood inventory?
Replies: 9
Views: 1449

Anyone move/relocate with a large woodshop and wood inventory?

If you have a large collection of stationary floor-standing power tools that each weigh many hundreds of pounds, are there specialty movers that know how to properly configure the tools to minimize damage during the move, and crate these up and move them? I don't expect that standard furniture mover...
by Tamales
Sat Feb 17, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Windows 10 > task manager > App history > photos--what is it?
Replies: 3
Views: 453

Windows 10 > task manager > App history > photos--what is it?

Anyone know what this "photos" application is? It has consumed massive CPU time in the past month (far more than any other application in the App History tab of task manager). I've also noticed, when I look at the task manager > processes tab, that "photos" has (for no apparent reason, i.e. no appli...
by Tamales
Fri Feb 16, 2018 8:57 pm
Forum: Investing - Theory, News & General
Topic: Increasing SS PIA by working again
Replies: 27
Views: 1891

Re: Increasing SS PIA by working again

edit #2: I can't even find in the current law describing the calculation ( https://www.law.cornell.edu/uscode/text/42/415 ) where the highest 35 years comes into play. Search for 35 (as number or text) and it's nowhere to be found. That's because for most people/cases it's the result of subtracting...
by Tamales
Fri Feb 16, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: Increasing SS PIA by working again
Replies: 27
Views: 1891

Re: Increasing SS PIA by working again

I can't say I've traced the calculation history back to 1935, but it has always been based on a 'working lifetime' of earnings. It's hard to imagine there being a time when 10 years was considered a typical working lifetime. edit: it looks like it started out where the benefit amount was based on th...
by Tamales
Thu Feb 15, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: Increasing SS PIA by working again
Replies: 27
Views: 1891

Re: Increasing SS PIA by working again

As far as I can tell, the incremental increase in monthly SS benefit (PIA) one would get is $3.57 for every $10,000 of new earnings per year. Can someone please agree or disagree with this calculation? Just to clarify, you're not adding $10k to AIME, right? You're adding 10k to the sum of the top 3...
by Tamales
Tue Feb 13, 2018 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: CD rates on the rise. Should I break my CD...
Replies: 6
Views: 2017

Re: CD rates on the rise. Should I break my CD...

I think the calculator makes the assumption that the offered CD you are comparing remains available at the same rate through the end of your existing term. No one knows if that's correct, obviously. If the calculator could accurately account for future rates, I wouldn't have told anyone about it :w...