Search found 625 matches

by ccieemeritus
Sat Mar 03, 2018 12:13 am
Forum: Personal Investments
Topic: Roth IRA questions regarding Schwab funds - new investor
Replies: 7
Views: 831

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: DELETE
Replies: 29
Views: 4112

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: 439

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: 2797

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: 2373

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: 627

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: 544
Views: 72270

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: 8948

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: 18071

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: 4793

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: Personal Investments
Topic: Forget Bitcoin! Bananacoin is here!
Replies: 12
Views: 2572

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: 2475

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: 10981

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: 3473

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: 3387

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: 1219

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: 33
Views: 3789

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: Personal Investments
Topic: Help with setting up Inherited IRA and then transferring
Replies: 10
Views: 1019

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....
by ccieemeritus
Thu Jan 18, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Paying semi-illiterate vendor via credit card who has no email or computer
Replies: 23
Views: 2288

Re: Paying semi-illiterate vendor via credit card who has no email or computer

My former employer had several ways to pay a vendor: Purchase requisition -> purchase order -> invoice -> check / direct deposit Check request -> check you pay -> file expense report with receipt -> get reimbursed put charge on corporate purchasing credit card (receipt must be submitted) many years ...
by ccieemeritus
Thu Jan 18, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent Flexible Spending Account Question
Replies: 4
Views: 499

Re: Dependent Flexible Spending Account Question

Normally I'd say go directly to the IRS publication, but it's not clear to me which publication identifies eligible dependent care FSA expenses. IRS publication 503 explains eligible child and dependent care expenses for a child tax credit. I'm not sure if these are the same rules that apply to elig...
by ccieemeritus
Thu Jan 18, 2018 1:27 am
Forum: Personal Investments
Topic: views on "Empower Retirement" as a 401k provider? fees? ease of use etc?
Replies: 44
Views: 20391

Re: views on "Empower Retirement" as a 401k provider? fees? ease of use etc?

My state employee Def Comp 457 program is through Empower. I found the fees very reasonable, unless I'm missing something. All the funds are index funds and fees are .01-.02% operating expense on the funds plus a .07% asset based fee. I see that as .08-.09% fees which seem pretty good to me. The St...
by ccieemeritus
Thu Jan 18, 2018 1:23 am
Forum: Personal Investments
Topic: views on "Empower Retirement" as a 401k provider? fees? ease of use etc?
Replies: 44
Views: 20391

Re: views on "Empower Retirement" as a 401k provider? fees? ease of use etc?

My (now former) employer switched from Schwab to Empower retirement a year ago. I was unhappy with the change because I like Schwab. Since I left my employer I noticed a $10 quarterly "participant account maintenance" fee. I was not paying that fee while I was employed and doing new payroll contribu...
by ccieemeritus
Thu Jan 18, 2018 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Deceased mother's Financial Advisor wants $500+ to convert to bene IRA
Replies: 31
Views: 3112

Re: Deceased mother's Financial Advisor wants $500+ to convert to bene IRA

What is the brokerage that the account is at? I'm looking for names like Charles Schwab, TD Ameritrade, etc (edit: looks like SEI trust). The financial advisor wants you to sign a "contract" to help you with some forms? I'd pass. If I wasn't good at the paperwork I'd certainly pay some $ to have the...
by ccieemeritus
Mon Jan 15, 2018 3:35 am
Forum: Personal Investments
Topic: California 529 plan
Replies: 7
Views: 1833

Re: California 529 plan

I have CA 529. DD just finished undergrad. DS is still in HS. It’s worth it. You don’t get deduction putting in but not paying tax on the gains is great. We started with a target fund but were unhappy with the returns. We switched to 100% stocks. Worked out for us. Your mileage may vary. The only a...
by ccieemeritus
Sat Jan 13, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 66
Views: 7259

Re: Someone spoofing my phone number?

My ooma at home broke. So I unplugged it. When people try to call my home number I get the voicemail in my email. Then I call back on my cell.

This is the best ooma feature ever.
by ccieemeritus
Sat Jan 13, 2018 12:22 pm
Forum: Personal Investments
Topic: California 529 plan
Replies: 7
Views: 1833

Re: California 529 plan

I have CA 529. DD just finished undergrad. DS is still in HS. It’s worth it. You don’t get deduction putting in but not paying tax on the gains is great. We started with a target fund but were unhappy with the returns. We switched to 100% stocks. Worked out for us. Your mileage may vary. The only an...
by ccieemeritus
Sat Jan 13, 2018 11:52 am
Forum: Personal Investments
Topic: Help with inherited investment account
Replies: 61
Views: 5128

Re: Help with inherited investment account

It sounds like you are suffering from some information overload here. As a result you have talked with vanguard several times but not moved the account. I think the original vanguard suggestion is good. Just move the account over and go 80/20. Have vanguard help with the paperwork. A low cost target...
by ccieemeritus
Sat Jan 13, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Getting your spouse on the same page
Replies: 53
Views: 6169

Re: Getting your spouse on the same page

Most people are unsuccessful with budgeting. I would be unsuccessful with budgeting so i don’t try. I’ve found “paying yourself first” to be successful. That means putting some money in a 401k before it hits your checking account. Then trying to live on the checking account. It may be easier to get ...
by ccieemeritus
Sat Jan 13, 2018 11:31 am
Forum: Personal Investments
Topic: New 529 rules -- One state plan's response
Replies: 12
Views: 1457

Re: New 529 rules -- One state plan's response

What state is this?
by ccieemeritus
Sat Jan 13, 2018 11:26 am
Forum: Personal Investments
Topic: Company 401K Fund Change
Replies: 9
Views: 861

Re: Company 401K Fund Change

It looks like the fund you use is not being changed. So this does not affect you, other than giving you a new (bad with high ER) fund to choose from.

I don’t think any action is needed on your part.
by ccieemeritus
Wed Jan 10, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: House water detection and alert system?
Replies: 41
Views: 3835

Re: House water detection and alert system?

I just had an empty house damaged by the water supply line to the refrigerator's ice maker. I turned off the water to the washer but didn't think about the ice maker. It's a stupid plastic tube which probably hasn't been replaced in a decade. Ugh. Note to self: Never buy a refrigerator with an ice m...
by ccieemeritus
Wed Jan 10, 2018 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Unusual Will/Probate Situation
Replies: 16
Views: 1657

Re: Unusual Will/Probate Situation

I don't think the sister-in-law has to state a reason. A simple "no," or silence/inaction should be the end of it. Agreed that it should be, but I think it probably won't be. LOL. You may be right. Hopefully sister-in-law lives in another state and is comfortable not answering when the phone rings....
by ccieemeritus
Sun Jan 07, 2018 11:42 pm
Forum: Personal Investments
Topic: Does it make sense to try to "time" a first time home purchase?
Replies: 48
Views: 3164

Re: Does it make sense to try to "time" a first time home purchase?

DW and I were searching for houses on-and-off from 1997 through 2001 in silicon valley. During that time our income and savings were increasing dramatically. It was very demoralizing searching for houses until 2001. Open house on Sunday -> offers due on Tuesday. Offers had to be above the "asking" p...
by ccieemeritus
Sun Jan 07, 2018 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: On-line legal documents...good?
Replies: 12
Views: 1212

Re: On-line legal documents...good?

I helped Mom do her will with Quicken Willmaker Plus 2017. The will had instructions regarding witnesses in Oregon. Mom died in November. We are in probate and the court accepted the will (it helped that nobody objected to the will). The will was simple (no minor children for example). I'm bothered ...
by ccieemeritus
Sun Jan 07, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: "Sharing" Internet/WiFi with neighbors?
Replies: 38
Views: 3477

Re: "Sharing" Internet/WiFi with neighbors?

Going at this from the technical rather than legal angle. Lets assume you get a higher bandwidth ISP connection at home (perhaps a Comcast business cable connection in the 100 mbit range). Just because you can see the neighbors WiFi SSID's in your house, that does not mean you could connect to them ...
by ccieemeritus
Fri Jan 05, 2018 8:59 pm
Forum: Investing - Theory, News & General
Topic: Why Edward Jones?
Replies: 92
Views: 20012

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 4...
by ccieemeritus
Thu Jan 04, 2018 11:00 pm
Forum: Forum Issues and Administration
Topic: New Record? [number of posts in a day]
Replies: 8
Views: 3396

Re: New Record?

But you cheated! You have two separate posts/threads labeled "New Record". I'll bet you counted both of them. Talk about padding the stats!

;-)

More seriously, congratulations and thanks to the site admins and moderators. This site has helped me personally.

[threads merged - admin alex]
by ccieemeritus
Thu Jan 04, 2018 2:05 pm
Forum: Personal Investments
Topic: Investment account for child
Replies: 4
Views: 879

Re: Investment account for child

In many states UTMAs can be set up to remain in parents control until 21. I suggest declining options and margin privileges when setting up the account. If you ever let him trade without supervision that will limit the damage. For my son we put 50% of the first $1k into SWPPX and the other 50% into ...
by ccieemeritus
Wed Jan 03, 2018 4:16 am
Forum: Personal Finance (Not Investing)
Topic: Downloading eStatements from Schwab
Replies: 4
Views: 557

Re: Downloading eStatements from Schwab

I led them send trade confirmations and prospectuses to me electronically. But I insist on getting statements in the mail. Then I file them. I’d be happy with quarterly statements to reduce the amount of paper.
by ccieemeritus
Tue Jan 02, 2018 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes [Do it yourself or use tax software?]
Replies: 39
Views: 3672

Re: Taxes

I use TurboTax. I'm annoyed with it for several reasons: 1) Price for version with advanced features 2) State filing fees 3) I sometimes have to manipulate the forms to avoid attempting to take education credits (which I'm not eligible for) so part of my 529/Coverdell distributions don't become unqu...
by ccieemeritus
Tue Jan 02, 2018 11:08 pm
Forum: Investing - Theory, News & General
Topic: Buffett wins his bet: S&P500 beats selected hedge funds over last 10 years
Replies: 45
Views: 7335

Re: Buffett wins his bet: S&P500 beats selected hedge funds over last 10 years

I actually haven't studied the backstory on why someone associated with the hedge fund industry made this bet with Warren B., ... The only thing I can figure as to why a hedge fund representative would have made such a bet was if they were anticipating some sort of decade of recession. I can think ...
by ccieemeritus
Tue Jan 02, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 191
Views: 23300

Re: Call the top! - Bitcoin

Entries are now closed. Here's the list of all valid entries: 14999 Top99% 16934.26 jadd806 17171 ensign_lee 17500 whiteprius 18675.83 johne417 12/18/17 (but bet invalid, made after that peak) 19500 Texas Radio 19876.54 LadyGeek 2/2/18 20001 siamond 20345 JonnyDVM 20432 ccieemeritus 12/14/2017 21312...
by ccieemeritus
Mon Jan 01, 2018 5:47 pm
Forum: Personal Investments
Topic: Help my 7 year old daughter invest $50 of her Christmas money
Replies: 30
Views: 2968

Re: Help my 7 year old daughter invest $50 of her Christmas money

+1 Schwab SWPPX although I don't know if $50 is enough to avoid fees.
by ccieemeritus
Mon Jan 01, 2018 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Who should we appoint as executor?
Replies: 33
Views: 3327

Re: Who should we appoint as executor?

I would pick one or the other. Closer one is better. Flip a coin if you have to. The other could be backup executor in case primary declines to serve. Let them know you flipped a coin so no hard feelings. I’m executor for a probate right now. It’s complicated enough without having to have two people...
by ccieemeritus
Sun Dec 31, 2017 11:55 pm
Forum: Investing - Theory, News & General
Topic: Compounding “theory” question
Replies: 30
Views: 3433

Re: Compounding “theory” question

A rule of thumb is that a 7% return doubles in 10 years. Another rule of thumb is that 3.5% inflation will double prices in 20 years. So in 20 years you’ll have 4 times the money, but prices are doubled. So you’ll have double the buying power. +1 and kudos to the earlier graphs showing that starting...
by ccieemeritus
Sun Dec 31, 2017 11:45 pm
Forum: Personal Consumer Issues
Topic: use a personal hotspot on a plane?
Replies: 26
Views: 11803

Re: use a personal hotspot on a plane?

Just a reminder that turning off your cell service in a plane is a FCC regulation, not a FAA regulation. The FCC is protecting cell towers on the ground from interference from a large number of rapidly moving cellphones at high altitude (which causes each cellphone to be visible to many cell towers)...
by ccieemeritus
Sun Dec 31, 2017 4:00 am
Forum: Personal Consumer Issues
Topic: Looking to vacation in San Diego
Replies: 16
Views: 1552

Re: Looking to vacation in San Diego

There is both the zoo and an outdoor safari park. Sea world. LEGO land. The aircraft carrier Midway is open for tours on the waterfront.
by ccieemeritus
Sun Dec 31, 2017 3:56 am
Forum: Personal Consumer Issues
Topic: wireless earbuds for exercise - airpods or ??
Replies: 28
Views: 2696

Re: wireless earbuds for exercise - airpods or ??

I bike 40 miles with AirPods. I also use them on elliptical watching itunes movies (have not noticed delay, Netflix might be different). DW jogs with them. Work great.

Disclosure: I’m biased in favor of Apple.
by ccieemeritus
Sat Dec 30, 2017 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Can't reach Vanguard site with VPN on
Replies: 14
Views: 1621

Re: Can't reach Vanguard site with VPN on

Your web browser will use an encrypted https connection to get to secure websites, including vanguard. No need to vpn as long as you don’t get a very unusual “unable to verify this website or certificate” message from your browser. In fact Bogleheads.org is also using encrypted https. That’s good. I...
by ccieemeritus
Sat Dec 30, 2017 6:12 am
Forum: Personal Finance (Not Investing)
Topic: Reopen same closed checking account?
Replies: 6
Views: 2276

Re: Reopen same closed checking account?

Around 1988 I closed a bank account. 2 hours later I remembered that the Army Reserve put direct deposit into that account. I went back to the bank but was unable to get it back open.