Bogleheads.org

elcadarj

Wenonah Fisherman in Kevlar: https://www.wenonah.com/Canoes.aspx?id=109
36 lbs. stable.

elcadarj

3M Command Strips, e.g.: https://www.amazon.com/Command-17004-Plastic-Adhesive-Strips/dp/B00006IBLN/ref=pd_sim_b2b_7?pd_rd_w=b4Y6w&pf_rd_p=a07701e4-f565-442a-b97f-93ab23cbb7ef&pf_rd_r=DYPV3CQBTZA2EDANAHX6&pd_rd_r=e4c15ad1-ed92-41bc-a0ce-0702b76e3f3b&pd_rd_wg=uyywB&pd_rd_i=B00006I...

elcadarj

It's reportable income. Quoting the IRS: Moving expense reimbursements. P.L. 115-97, Tax Cuts and Jobs Act, suspends the exclusion for qualified moving expense reimbursements from your employee's income for tax years beginning after 2017 and before 2026. However, the exclusion is still available in ...

elcadarj

Go to Carmax for cross-comparison shopping late model used. They have German, Japanese, Korean, American SUVs and Minivans. Find what fits. Then do the new used comparison at the dealer of the winner.

elcadarj

Here's a thorough review of the CT: https://www.youtube.com/watch?v=KL7tFtfFVEw

elcadarj

It can be done, the IRS points it out as an advantage of owning your own business. "One of the advantages of operating your own business is hiring family members. However, employment tax requirements for family employees may vary from those that apply to other employees. The following informati...

elcadarj

Costco: Microsoft 365 Personal 12-Month Subscription (E-Delivery)

Item 1292888
Your Price
$58.99

https://www.costco.com/microsoft-365-pe ... 62468.html

elcadarj

The national park region of southern Utah and northern Arizona fits many of these criteria, with the exception of 4 in most places. Anywhere else we should be considering? BLM land in southern Utah: https://www.blm.gov/programs/national-conservation-lands/utah/grand-staircase-escalante-national-mon...

elcadarj

I am really looking to simplify these accounts. I have been doing a lot of reading and it looks like a lot of you are using Fidelity. Fidelity is a good choice, Schwab as well for your situation because you could benefit from their brick and mortar locations. I suggest that you print out all of you...

elcadarj

All the cars I’ve owned:
1966 Austin Healey 3000 MkIII
1982 Toyota Starlet
1980 Mercedes Benz 300D
1987 Saab 900S
1992 Ford Taurus Wagon
1993 Isuzu Rodeo
2002 Acura MDX
2005 Honda CR-V
2009 Infiniti G37S
2017 Audi Q7

Ages and stages....liked all of them.

elcadarj

It’s Christmas time, time for Stollen, Joy of Cooking recipe: https://www.epicurious.com/recipes/mem ... g-52565431

elcadarj

His options include a Lump Sum and various options for ‘Joint & Survivor Annuity’ . The ‘50% Joint & Survivor Annuity’ option allows for a monthly payment until he passes. Afterwards 50% of the amount he received will be paid to my mother for her lifetime. He can choose (in 5% increments) a...

elcadarj

1. Insert new column. 2. Select top cell in adjacent (filled column) use CTRL + DOWN to navigate to the bottom of the filled column. 3. Move left or right to Select bottom cell in new column, enter a character, 0, e.g. CTRL + UP to navigate back to the top of your table. 4. Type formula into top of ...

elcadarj

Try hot key combo: CTRL + SHFT + DOWN.

elcadarj

Thanks, buddy. I used the code you mentioned to get deluxe with state for $23.84 shipped to my door. Where did you see that? Link takes me to Deluxe Maximize Deductions but says nothing about state. Newegg link to Deluxe + State w/ 50% off promo code: https://www.newegg.com/h-r-block-tax-software-d...

elcadarj

Looking for some advice on consolidating my sons accounts. He presently has a Roth-IRA, a 401k with his employer and a standard bank checking account. He is highly functioning with Special Needs, but has not worked since March with Covid, and is a part time college student. With the accounts at var...

elcadarj

Where can I find a running shirt like this?: https://www.startfitness.co.uk/more-mile-lumino-1-4-zip-long-sleeve-mens-running-top-yellow-mm2420.html?&gclid=EAIaIQobChMI-t6_kMHt3gIVUF8NCh3b9QIwEAkYASABEgKIB_D_BwE&gclsrc=aw.ds . The only size I can find for this specific model (across...

elcadarj

Minor annoyances are the way Ford handles their trim packages -- can't get LED headlights w/out..., and some quirks with the instruments. For example, the proximity warning fires when you drive with the tailgate down. Well no doubt. I don't know if you're aware but there is a large community out th...

elcadarj

Suddenly, I have received the letter from the HOA that they have amended the bylaws and now they are not going to allow rental properties in the subdivision. As per the new amended law, All the properties in the subdivision should be owner occupied. 1) I would start with this article on this websit...

elcadarj

Dear DIL is now in PhD program in Clinical Psychology at UVa. Undergrad was UNC-CH. No loan in PhD program. They’re paying her.

elcadarj

Interesting. What's the expense ratio? No expense ratio. The CBP is not a deferred comp plan, there is no opt-in. It is the MegaCorps old traditional defined benefit plan converted to a cash balance plan: https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/fact-sheets/cash-b...

elcadarj

I have a Cash Balance Plan (CBP) from my MegaCorp, I'm retired. The CBP is a converted defined benefit plan. Thought it would be of general interest what asset allocation it uses to support plan liabilities for 20k active employees and about 1.3k retirees. Individuals plan balances receive monthly i...

elcadarj

Unfortunately I can’t find them, and I never tried them out. Thanks for letting me know that they work well though, as it would be easy to purchase another set. Check your closets and drawers for the original box, they may be still in it. I found several sets when cleaning out our home office closet.

elcadarj

See wikipedia for the Morgan Stanley Wealth Management family tree: https://en.wikipedia.org/wiki/Morgan_St ... Management

Pop open the graphic under Acquisition history.

Turns out my Robinson Humphrey account from the early eighties is my link to Morgan.

elcadarj

Anyone have any experience with Tricare Select how that plan? My brother has found Tricare a problem in the Chicago area: providers not accepting. I have not had any issues with it here in the SE, all major hospital groups and associated practices accept it. All my and my wife's usual providers acc...

elcadarj

Does your plan allow for in-service withdrawals to IRA? Read your summary plan description (SPD). https://www.lordabbett.com/en/perspectives/retirementperspectives/in-service-distributions-accessing-retirement-plans-while-employed.html "In-service Withdrawals from 403(b) Plans These plans are u...

elcadarj

chalet wrote: ↑Mon Mar 30, 2020 8:14 pm did you change a red ID card for a normal one? did it change from INDEF to four years or something like that?

what changes (if any) are you going to make to your health insurance now?

At age 60 ID card is now DD Form 2 (blue) with an expiration date EOM the month before my 65th birthday.

elcadarj

Sorry I have been offline for quite a while. Dealing with Rona in a new position.

Have your questions been answered by someone else?

My health care situation is TriCare select and an HRA from my last job will cover both my wife and I until Medicare and TriCare For Life.

elcadarj

Sole Proprietor vs. LLC/other From most of my reading, it seems like I can just file taxes as a sole proprietor and get the 20% deduction on my 1099 income. It doesn't seem like it is necessary to create an LLC unless I want the liability protection . As a software engineer, this doesn't really see...

elcadarj

We cut the cord last November. AT&T 300Mbps fiber to the house. YouTube TV w/o add ons. + Netflix and Amazon Prime TV. Bedroom TV is TCL with built in Roku. Primary TV is Samsung smart TV w/4k Apple TV, second den TV is Samsung smart TV w/3rd Generation Apple TV. By far my favorite set up is th...

elcadarj

We cut the cord last November. AT&T 300Mbps fiber to the house. YouTube TV w/o add ons. + Netflix and Amazon Prime TV. Bedroom TV is TCL with built in Roku. Primary TV is Samsung smart TV w/4k Apple TV, second den TV is Samsung smart TV w/3rd Generation Apple TV. By far my favorite set up is th...

elcadarj

Fido iPad app is working.

elcadarj

IRT OP's orginal question. No, you do not need a new DL for REAL ID Act compliance. REAL ID is an Act of Congress. Not an ID card. A REAL ID Act compliant DL is one of many acceptable documents for passing through TSA. From the TSA web page. https://www.tsa.gov/travel/security-screening/identificati...

elcadarj

We cut the cord last November. AT&T 300Mbps fiber to the house. YouTube TV w/o add ons. + Netflix and Amazon Prime TV. Bedroom TV is TCL with built in Roku. Primary TV is Samsung smart TV w/4k Apple TV, second den TV is Samsung smart TV w/3rd Generation Apple TV. By far my favorite set up is the...

elcadarj

Barkingsparrow wrote: ↑Sat Jan 11, 2020 1:22 pm I've already moved to FF as I strongly detest Google. I'm also looking at email alternatives such as protonmail so I can also dump gmail.

elcadarj

EdNorton wrote: ↑Mon Jan 13, 2020 1:02 pm If you like oysters and dive bars, Bowen's Island Restaurant.

elcadarj

+1 Good experience with Brokeragelink. My megacorp limited BL to 90% of 401k holdings. I’m a bit of a tilter so I put the 10% in a REIT fund which aligned with my allocation plan. Used the Brokeragelink for the majority of my plan. Here are my 401k options w/o Brokeragelink: Stock Investments Compan...

elcadarj

As someone who has literally never tasted alcohol of any kind, what is the benefit of a "wine fridge" over simply just putting the bottle in your refrigerator? You don’t have to wait for the wine to be cold. Cabernet Sauvignon don’t need to be chilled. I like white and rose to be chillier...

elcadarj

FYI for any fellow procrastinators. I just completed update of OS from Windows 7 SP1 to Windows 10. Here are the current specs on my home-build desktop, originally assembled in October 2010: CPU Intel Core i5 660 @ 3.33GHz 38 °C Clarkdale 32nm Technology RAM 16.0GB Dual-Channel DDR3 @ 668MHz (9-9-9-...

elcadarj

The key is to get your application in before the wave of spring breakers start applying after the first of the year.

elcadarj

I just read about netgear orbi. Read the netgear website but it is so confusing. So many models . How do you know which one to buy? If you're a Costco member, Orbi-mini two pac, 4000 sq ft coverage for $129: https://www.costco.com/netgear-orbi-mini-ac2200-tri-band-wi-fi-system%2c-2-pack.product.100...

elcadarj

My wife is gray area retired navy reserves but not yet at 60. As she understands it, transfer is not automatic and you will have to enroll at https://tricare.mil/Plans/Enroll/Select We're not sure if being in a pay-status is important to TriCare; only that you are age 60 or older to be eligible for...

elcadarj

Get a quote w/installation from a big box like Lowe's or Home Depot.

elcadarj

Get one from your Guru. Trust but verify. For that money, make sure it has the following: - 1TB SSD Drive. This cannot be stressed enough. - 16GB RAM For your use the choice of processor and graphics card are not very important. Even an entry-level processor is very powerful (eg. 2-core 3.9GHz i3) ...

elcadarj

I noticed my current November paycheck deposit is $126.43 higher than previous paychecks despite no changes in wage, withholding, benefits, etc. Looking closely at my paycheck, it appears -$22.39 was deducted from my previous Octobervpaychecks on the line labeled "TX Withholding Tax Federal&qu...

elcadarj

Try this site, it has list of 18 ultra short fixed-income etfs: https://www.etf.com/channels/ultra-short-term-etfs

elcadarj

Background music you say. You all sound like a good use-case for a Sonos system combined with a music subscription like Apple Music, Amazon Prime, Spotify, etc. I would suggest you contact an advisor at Crutchfield: https://www.crutchfield.com/brands/sonos.aspx?us=1&osp=sonos Edited to add: for ...

elcadarj

You can't have an HSA with Tricare. Tricare plans ' deductibles are too low to qualify as High Deductible Health Plans under IRS rules. IRS Publication 969 page 3: https://www.irs.gov/pub/irs-pdf/p969.pdf Edited to correct: You can't contribute to an HSA while under Tricare. If you already have an H...

elcadarj

VRBO’d in Jaco. Nice little beach town good restaurants, nice beaches. Were there during US spring break. Costa Rica follows the American school calendar so the Costa Rican’s were on spring break, too. We did not stay in a resort so we interacted with Costa Rican’s on spring break from San Jose, Eur...

elcadarj

Thanks. I've done all the follow up phone calls and emails to PERS-912. Retire Pay package submitted 04/08/2019 and I have email confirmation from PERS that my package has been received. Website has blanket statement that they're working packages submitted in Feb 2019. When I submitted PERS suggeste...

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