Search found 250 matches

by elcadarj
Fri Mar 22, 2024 7:13 am
Forum: Personal Consumer Issues
Topic: What Toys Have You Bought That Have Been Worth it?
Replies: 253
Views: 18255

Re: What Toys Have You Bought That Have Been Worth it?

Cheez-It Guy wrote: Fri Mar 22, 2024 6:58 am LEGOs
Costco has LEGO botanicals available in-store only right now.
by elcadarj
Wed Mar 20, 2024 7:25 am
Forum: Personal Investments
Topic: MBR [Mega backdoor Roth] vs Pay Raise
Replies: 51
Views: 2410

Re: MBR vs Pay Raise

Take the higher paying job and plow savings into AT brokerage account. Then, after your return to the States in 5 years, supplement your income from your brokerage account so that you can maximize deferred salary IRA and 401k contributions.
by elcadarj
Tue Mar 12, 2024 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Holding six figures of cash for the next year
Replies: 18
Views: 2792

Re: Holding six figures of cash for the next year

Carol88888 wrote: Mon Mar 11, 2024 6:34 pm I am holding a similar amount in Vanguard's Treasury Money market fund. I believe the fund has about 80% in treasury securities so you would escape state taxes on that part at least.
Correct: Treasury Money Market Fund** 80.06% Source: Vanguard U.S. government obligations income
information, https://investor.vanguard.com/content/d ... n-2024.pdf.

And here's Fidelity's: https://www.fidelity.com/bin-public/060 ... Letter.pdf
by elcadarj
Wed Mar 06, 2024 11:17 am
Forum: Investing - Theory, News & General
Topic: Research on primary residence vs stock market+renting?
Replies: 51
Views: 5223

Re: Research on primary residence vs stock market+renting?

Ben Felix gives one of the best overviews of the subject that I've seen: https://www.youtube.com/watch?v=q9Golcxjpi8.
by elcadarj
Wed Mar 06, 2024 7:46 am
Forum: Investing - Theory, News & General
Topic: Research on primary residence vs stock market+renting?
Replies: 51
Views: 5223

Re: Research on primary residence vs stock market+renting?

Curious if there's any academic research out there on the optimal choice between buying a typical primary residence versus investing in a broad index and renting. Especially curious if there's some sort of comparative formula one could use based on today's interest rates and overall market valuations. Yes. See Shelton, John P. “The Cost of Renting versus Owning a Home.” Land Economics 44, no. 1 (1968): 59–72. https://doi.org/10.2307/3159610. Available online with a free account from JSTOR: https://www.jstor.org/ Excerpt from the introduction: "The ambiguity and carefully hedged quality of most analyses of renting versus owning is understandable. In the first place it is difficult, if not impossible, to make an empirical study of the c...
by elcadarj
Wed Mar 06, 2024 7:33 am
Forum: Investing - Theory, News & General
Topic: Research on primary residence vs stock market+renting?
Replies: 51
Views: 5223

Re: Research on primary residence vs stock market+renting?

Curious if there's any academic research out there on the optimal choice between buying a typical primary residence versus investing in a broad index and renting. Especially curious if there's some sort of comparative formula one could use based on today's interest rates and overall market valuations. Yes. See Shelton, John P. “The Cost of Renting versus Owning a Home.” Land Economics 44, no. 1 (1968): 59–72. https://doi.org/10.2307/3159610. Available online with a free account from JSTOR: https://www.jstor.org/ Excerpt from the introduction: "The ambiguity and carefully hedged quality of most analyses of renting versus owning is understandable. In the first place it is difficult, if not impossible, to make an empirical study of the c...
by elcadarj
Wed Mar 06, 2024 7:29 am
Forum: Investing - Theory, News & General
Topic: Research on primary residence vs stock market+renting?
Replies: 51
Views: 5223

Re: Research on primary residence vs stock market+renting?

Curious if there's any academic research out there on the optimal choice between buying a typical primary residence versus investing in a broad index and renting. Especially curious if there's some sort of comparative formula one could use based on today's interest rates and overall market valuations. Yes. See Shelton, John P. “The Cost of Renting versus Owning a Home.” Land Economics 44, no. 1 (1968): 59–72. https://doi.org/10.2307/3159610. Available online with a free account from JSTOR: https://www.jstor.org/ Excerpt from the introduction: "The ambiguity and carefully hedged quality of most analyses of renting versus owning is understandable. In the first place it is difficult, if not impossible, to make an empirical study of the c...
by elcadarj
Sat Mar 02, 2024 11:28 am
Forum: Personal Investments
Topic: How to Get Roth IRA Out of Wells Fargo Advisors
Replies: 19
Views: 1998

Re: How to Get Roth IRA Out of Wells Fargo Advisors

2. If anyone knows the fund, can I accomplish the same objective/return with a much lower cost fund? Or is there benefit to being in a high cost fund like this? Use a mutual fund search tool like Morningstar, Fidelity, Vanguard, etc. and search for technology sector funds and then compare them using their comparison tools. I found this on Morningstar,iShares U.S. Technology ETF (IYW), https://eresearch.fidelity.com/eresearch/evaluate/snapshot.jhtml?symbols=IYW and compared it here, https://fundresearch.fidelity.com/fund-screener/results/compare/management-fees/averageAnnualReturnsYear3/desc/1?order=tickers&tickers=FSPTX%2CSCICX%2CKTCAX%2CROGSX%2CIYW with your SCICX and some other funds that the Fidelity tool suggested as comparables.
by elcadarj
Tue Feb 27, 2024 12:01 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 945
Views: 151235

Re: Flaunt Your High-Mileage Car

jasperhobbs wrote: Fri Feb 16, 2024 6:23 pm
elcadarj wrote: Fri Feb 16, 2024 10:57 am 1999 GMC Sierra 1500 SLE V8 Regular Cab Long Bed, 302,000.
Does the GMC have the 5 7 or 5.3.? Both are good engines.
4.8, specifically the LR4 Vortec 4800
by elcadarj
Tue Feb 27, 2024 10:44 am
Forum: Personal Investments
Topic: Need to choose a new brokerage firm: Vanguard vs. Fidelity
Replies: 35
Views: 4689

Re: Need to choose a new brokerage firm: Vanguard vs. Fidelity

Gradient Descent wrote: Mon Feb 26, 2024 10:22 pm If you want to buy mutual funds, you should limit yourself to whichever funds are available from the broker you choose. I know that Fidelity charges $75 per non-Fidelity mutual fund transaction, for example.
9,327 mutual funds can be purchased through Fidelity, of those, 3,363 are NTF (no transaction fee). Of the 3,363, 324 are Fidelity funds: https://fundresearch.fidelity.com/fund- ... &order=ntf
by elcadarj
Fri Feb 16, 2024 10:57 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 945
Views: 151235

Re: Flaunt Your High-Mileage Car

1999 GMC Sierra 1500 SLE V8 Regular Cab Long Bed, 302,000.
by elcadarj
Thu Feb 15, 2024 7:12 am
Forum: Personal Consumer Issues
Topic: Car recommendations for daily driver
Replies: 26
Views: 1783

Re: Car recommendations for daily driver

Of course US News has a list for this: https://cars.usnews.com/cars-trucks/adv ... table-cars
The only car on the list I can attest to is the Audi: comfortable, quiet, good sound system, and infotainment interface.

And Consumer Reports narrows it down to front seats: (behind a paywall) https://www.consumerreports.org/cars/bu ... 127070094/
by elcadarj
Sat Feb 10, 2024 7:19 am
Forum: Personal Consumer Issues
Topic: New Laptop Questions
Replies: 52
Views: 4839

Re: New Laptop Questions

anoop wrote: Fri Feb 09, 2024 7:17 pm
elcadarj wrote: Fri Feb 09, 2024 9:17 am If you're concerned about Lenovo's intrusive optimization bloatware, do a clean install.

Wired points out that Microsoft itself is responsible for a lot of the junk on Windows 11: https://www.wired.com/story/how-to-clea ... indows-11/.
Is this true for both Home and Pro?
According to this https://www.ctrl.blog/entry/windows-oob ... tware.html, yes.
by elcadarj
Fri Feb 09, 2024 9:17 am
Forum: Personal Consumer Issues
Topic: New Laptop Questions
Replies: 52
Views: 4839

Re: New Laptop Questions

If you're concerned about Lenovo's intrusive optimization bloatware, do a clean install.

Wired points out that Microsoft itself is responsible for a lot of the junk on Windows 11: https://www.wired.com/story/how-to-clea ... indows-11/.
by elcadarj
Wed Feb 07, 2024 2:00 pm
Forum: Personal Consumer Issues
Topic: Suggestions on where to move?
Replies: 135
Views: 10937

Re: Suggestions on where to move?

+1 for Greenville SC. Not on your list but worth a look: Hendersonville NC, made the top 10 small city skylines list: https://www.movingfeedback.com/americas ... -skylines/.
by elcadarj
Tue Jan 23, 2024 9:39 am
Forum: Personal Investments
Topic: Fidelity vs Vanguard for Taxable Accounts
Replies: 49
Views: 5746

Re: Fidelity vs Vanguard for Taxable Accounts

exodusNH wrote: Tue Jan 23, 2024 7:23 am ... Technically, you've "stolen" that money from your children.
IANAL, but I don't think that's correct: https://www.courtsandchildren.org/can-a ... -paycheck/

"Parental Rights vs. Child’s Earnings
In legal terms, a parent generally has the right to manage their child’s finances until they reach the age of majority. This includes accessing their paychecks. However, ethical considerations come into play. Should parents exercise this rightfully, or should they use it as an opportunity to teach their children about money management?"
by elcadarj
Fri Jan 12, 2024 8:16 am
Forum: Personal Investments
Topic: Decisions on Windfall of $160k
Replies: 17
Views: 2338

Re: Decisions on Windfall of $160k

Do you have access to a 403(b) that allows after tax contributions and in-service withdrawals for a mega backdoor Roth?
by elcadarj
Mon Nov 06, 2023 7:22 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2023 software offer
Replies: 246
Views: 39285

Re: H&R Block 2023 software offer

LadyGeek wrote: Tue Oct 24, 2023 6:28 pm
The software will be available starting November 13.
The software is available to download now. I just received my download link email this morning, 11/6, after calling customer service.
by elcadarj
Mon Aug 14, 2023 10:15 am
Forum: Personal Investments
Topic: a [misdialed] call to Vanguard results in a medical alert sales pitch
Replies: 15
Views: 1331

Re: a call to Vanguard results in a medical alert sales pitch

Vanguard's Support Center number is: 877-662-7447
by elcadarj
Tue Jul 25, 2023 7:40 am
Forum: Personal Consumer Issues
Topic: Chip and Pin when in Europe [Greece and Italy specifically, Europe in general]
Replies: 65
Views: 6635

Re: US citizen traveling to Italy - credit card pin number required?

The short answer is no, you don't need it. Here's a thorough discussion of the topic: viewtopic.php?t=408281
by elcadarj
Tue Jul 11, 2023 1:03 pm
Forum: Personal Consumer Issues
Topic: Chip and Pin when in Europe [Greece and Italy specifically, Europe in general]
Replies: 65
Views: 6635

Re: Chip and Pin when in Europe

ZinCO wrote: Tue Jul 11, 2023 12:54 pm That's likely very old advice. Tap-to-pay is much more prevalent now and works fine with US credit cards having that feature (which by now should be pretty much all of them).
Just got back from 12 days in Spain and the UK. We took no cash. I mostly used tap-to-pay with my apple watch in both major cities and small villages. A couple of places required a chip card. No pins, no signatures, and, again, no cash.
by elcadarj
Thu May 25, 2023 10:50 am
Forum: Personal Consumer Issues
Topic: Washington DC restaurant (and other) recommendations
Replies: 19
Views: 1499

Re: Washington DC restaurant (and other) recommendations

When I go to DC and want to try somewhere new, I like to cross reference Washingtonian Magazine's 100 best cheap eats, https://www.washingtonian.com/2018/08/2 ... ington-dc/ with their 100 best restaurants, https://www.washingtonian.com/2023/01/2 ... ington-dc/.
by elcadarj
Wed May 17, 2023 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Gift car to out-of-state DD, who is moving in a month
Replies: 18
Views: 1873

Re: Gift car to out-of-state DD, who is moving in a month

chemocean wrote: Tue May 16, 2023 11:51 pm What state is your DD licensed? She will need to have a license from the state she will be registering the vehicle in.
If her license is still from NC, you could probably do it remotely as NC residents ASAP.
Your insurance probably doesn't cover DD's use in IN because 1) she is now longer part of your household or going to school, and 2) seems it is a bit of a stretch to be covered under occasional use by a guest.

Some state allow transfers among family members with no sales tax. NC, IN or CA?
Yes, in NC car title transfer from parent to child is exempt from the Highway Use Tax (sales tax for vehicles in NC).
by elcadarj
Mon May 15, 2023 11:34 am
Forum: Personal Consumer Issues
Topic: Trip to Asheville, NC - where to stay?
Replies: 44
Views: 4639

Re: Trip to Asheville, NC - where to stay?

If you want outdoors, drive south from the Asheville airport or North from the Greenville SC airport to Brevard. There are many AirBnB options in Brevard, here's a fun motel: https://thesunsetmotel.com/

From Brevard you have easy access to the Pisgah National Forest, https://www.fs.usda.gov/recarea/nfsnc/r ... ecid=48114; Dupont State Park, https://www.dupontstaterecreationalforest.com/; and Mountain Bridge Wilderness, which includes Caeser's Head https://southcarolinaparks.com/caesars-head and Jones Gap https://southcarolinaparks.com/jones-gap.

Edited to add, for something different, rent a villa in Devils Fork State Park on Lake Jocassee: https://reserve.southcarolinaparks.com/ ... rk/lodging.
by elcadarj
Fri May 05, 2023 7:33 am
Forum: Personal Investments
Topic: Retired Military w/Gov Contractor Job - Portfolio Questions
Replies: 52
Views: 6762

Re: Retired Military w/Gov Contractor Job Converting to GS - Rollover/TSP/401k Questions

Regarding SS/SBP/DIC: 3) Because we declined, I cannot elect to start. That door is closed. The door has been reopened by the The Fiscal Year 2023 National Defense Authorization Act: Survivor Benefit Plan Open Season https://www.dfas.mil/RetiredMilitary/newsevents/newsletter/December2022-SBPOS23/ . "The SBP Open Season allows for retirees receiving retired pay, eligible members, or former members awaiting retired pay who are currently NOT enrolled in SBP or RCSBP (Reserve Component Survivor Benefit Plan) to enroll. For a member who enrolls during the SBP Open Season, the law generally requires that the member will be responsible to pay retroactive SBP premium costs that would have been paid if the member had enrolled at retirement (or...
by elcadarj
Tue Apr 18, 2023 7:55 am
Forum: Personal Consumer Issues
Topic: Deck Sealant / Stain
Replies: 16
Views: 2036

Re: Deck Sealant / Stain

I wouldn't waste my money on deck cleaner. If you look up the safety data sheet, the active ingredient is sodium hypochlorite, so you're paying for a chlorine bleach solution. I've had success using one of several home mixed cleaner using recipes found online, e.g.: https://www.bobvila.com/articles/homemade-deck-cleaner/. Here's a link that has multiple recipes depending on the condition of your deck: https://www.tipsbulletin.com/homemade-deck-cleaner/.

I only use Cabot Australian Timber Oil on the decking of our covered deck. I'm satisfied with the appearance and the endurance of the finish.
by elcadarj
Mon Feb 06, 2023 3:28 pm
Forum: Personal Consumer Issues
Topic: Need a DURABLE laptop / Chromebook suggestion
Replies: 33
Views: 2520

Re: Need a DURABLE laptop / Chromebook suggestion

Check with student store. Bought our sons' college laptops through the campus bookstore. Student pricing and equipment was serviced through the university's tech support. Also included all risk insurance coverage (drops, spills, theft, etc.) at what I thought were reasonable prices.
by elcadarj
Fri Feb 03, 2023 8:37 am
Forum: Personal Consumer Issues
Topic: Fly or Drive from NJ to NC?
Replies: 88
Views: 5771

Re: Fly or Drive from NJ to NC?

rob wrote: Thu Feb 02, 2023 3:28 pm I would drive (I love driving)... but would rent a car for work and not put miles on my own for work (plus it's more complex if you have an accident).
+1

If you are going to drive, keep the risk of business travel on the business: rent a car through your business.
by elcadarj
Mon Nov 14, 2022 2:58 pm
Forum: Personal Consumer Issues
Topic: hire car with driver in foreign country? Hungary, Slovakia
Replies: 14
Views: 1520

Re: hire car with driver in foreign country? Hungary, Slovakia

We asked the owner of the VRBO we used on a visit to Dubrovnik Croatia. She happened to be American expat married to a Croatian. We used the driver and guide she recommended for a long day trip to Mostar and some other sites in Bosnia. Great trip.
by elcadarj
Mon Jun 27, 2022 7:35 pm
Forum: Personal Investments
Topic: Roth In-Plan conversion vs Roth IRA rollover
Replies: 26
Views: 2445

Re: Roth In-Plan conversion vs Roth IRA rollover

According to this website: https://www.assetprotectionplanners.com ... -by-state/

Both Trad and Roth IRAs are protected from creditors in both NJ and PA. However, PA has a limitation on Roth protections, "The Pennsylvania state IRA creditor protection exemption does not apply to amounts added to the retirement fund in excess of $15,000 or within one year prior to the debtor filing for bankruptcy. This does not include rollover IRAs."
by elcadarj
Tue Nov 02, 2021 5:53 pm
Forum: Personal Consumer Issues
Topic: Most Useful Purchases in Your 50s
Replies: 142
Views: 22888

Re: Most Useful Purchases in Your 50s

Yard service from October 1st through December 31st every year. Mow, edge, blow, and remove leaves from 1/2 acre hardwood covered lot. Got my Saturday’s back in the fall, the most glorious time of year in the Piedmont Carolinas.
by elcadarj
Tue Oct 12, 2021 7:10 am
Forum: Personal Consumer Issues
Topic: help with planning 2 week Swiss +/- other country trip
Replies: 30
Views: 2499

Re: help with planning 2 week Swiss +/- other country trip

Rick Steve's has a program out on just this kind of trip: https://www.pbs.org/video/rick-steves-b ... ps-DyFtPl/

And if you subscribe to PBS for streaming you can view the full episodes behind the Best of .., Season 11 Episodes 1101:https://www.pbs.org/video/austrian-and- ... ps-kmfcyi/; 1102: https://www.pbs.org/video/swiss-alps-u4rnsw/; and 1103: https://www.pbs.org/video/french-alps-and-lyon-xd48sr/
by elcadarj
Fri Sep 24, 2021 1:49 pm
Forum: Personal Consumer Issues
Topic: Help me choose a "forever" shade tree for my back yard
Replies: 55
Views: 3911

Re: Help me choose a "forever" shade tree for my back yard

SleepyChef wrote: Fri Sep 24, 2021 11:59 am Linden Trees are a nice variety (others here have called it its Scientific name "TIlia")....
+1 on the Linden Tree. Full description here: https://plants.ces.ncsu.edu/plants/tilia-americana/
by elcadarj
Fri Sep 24, 2021 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: How do employers withhold SS taxes when over wage limit?
Replies: 35
Views: 2751

Re: How do employers withhold SS taxes when over wage limit?

#1 at my old MegaCorp. Cut off was early if the bonus was good (paid out in March for prior year performance).
by elcadarj
Wed Sep 15, 2021 6:45 am
Forum: Personal Consumer Issues
Topic: Watertight Door or Flood Doors
Replies: 19
Views: 2538

Re: Watertight Door or Flood Doors

I have no experience with them in residential use, but they are common in the utility industry. So I think you need to source from a more industrial supplier than your big box home improvement store, e.g. http://www.floodcontrolinternational.us ... -doors.php.
by elcadarj
Thu Jul 29, 2021 4:44 pm
Forum: Personal Consumer Issues
Topic: Home Office Speaker Upgrade for multiple sources
Replies: 12
Views: 1546

Re: Home Office Speaker Upgrade for multiple sources

USB and Bluetooth connectivity. Check out the full Audioengine lineup.

For under $300: https://www.crutchfield.com/p_772A2PWBL ... l?tp=72535
by elcadarj
Thu Feb 25, 2021 8:18 am
Forum: Personal Consumer Issues
Topic: A boat for old knees
Replies: 46
Views: 4783

Re: A boat for old knees

Wenonah Fisherman in Kevlar: https://www.wenonah.com/Canoes.aspx?id=109
36 lbs. stable.
by elcadarj
Tue Feb 23, 2021 8:58 am
Forum: Personal Consumer Issues
Topic: Mounting on Plaster Wall versus Sheet Rock
Replies: 13
Views: 2933

Re: Mounting on Plaster Wall versus Sheet Rock

3M Command Strips, e.g.: https://www.amazon.com/Command-17004-Pl ... IBLN&psc=1

ETA: It may take some searching to find the right hook, strip combination to hang the vac charging dock.
by elcadarj
Wed Feb 17, 2021 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Taxation Of Moving Expenses Young Law Grad
Replies: 13
Views: 898

Re: Taxation Of Moving Expenses Young Law Grad

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 the case of a member of the U.S. Armed Forces on active duty who moves because of a permanent change of station due to a military order. The exclusion applies only to reimbursement of moving expenses that the member could deduct if he or she had paid or incurred them without reimbursement. See Moving Expenses in Pub. 3, Armed Forces' Tax Guide, for the definition of what constitutes a permanent change of station and to learn which moving expenses...
by elcadarj
Thu Feb 11, 2021 5:17 pm
Forum: Personal Consumer Issues
Topic: Buying a car spring 2021
Replies: 73
Views: 6723

Re: Buying a car spring 2021

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.
by elcadarj
Fri Feb 05, 2021 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Hiring 16 year old for legitimate work on rental properties. Help needed
Replies: 23
Views: 2142

Re: Hiring 16 year old for legitimate work on rental properties. Help needed

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 information may assist you with pointing out some differences to consider."
https://www.irs.gov/businesses/small-bu ... amily-help

Just follow the rules, e.g.:

https://www.irs.gov/publications/p560
by elcadarj
Thu Feb 04, 2021 1:01 pm
Forum: Personal Consumer Issues
Topic: DO I renew Microsoft office 360 again?
Replies: 25
Views: 2471

Re: DO I renew Microsoft office 360 again?

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

Item 1292888
Your Price
$58.99


https://www.costco.com/microsoft-365-pe ... 62468.html
by elcadarj
Tue Jan 19, 2021 10:26 am
Forum: Personal Consumer Issues
Topic: Backcountry camping trip mid-April
Replies: 16
Views: 1199

Re: Backcountry camping trip mid-April

coalcracker wrote: Tue Jan 19, 2021 10:16 am
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-c ... l-monument. Fires ok. Good luck finding firewood.
by elcadarj
Mon Jan 11, 2021 12:37 pm
Forum: Personal Investments
Topic: Please help advise on taking over my own investments
Replies: 13
Views: 1231

Re: Please help advise on taking over my own investments

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 your latest statements from each account, go to one of their locations and have them set up a parallel account for each of your his and her IRAs, ROTH IRAs, HSAs and your brokerage accounts. And then have them help you set up the transfers from EJ in-kind. Then you can move towards your preferred asset allocation and simplified portfolio. You could also roll the His IRA and SEP-IRA into a solo 401k at either location to further simplify. Edited to a...
by elcadarj
Wed Dec 23, 2020 7:57 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 470
Views: 47522

Re: What kind of car do Bogleheads like to drive?

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.
by elcadarj
Sat Dec 05, 2020 8:50 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 538
Views: 82906

Re: What have you baked recently?

It’s Christmas time, time for Stollen, Joy of Cooking recipe: https://www.epicurious.com/recipes/mem ... g-52565431
by elcadarj
Wed Dec 02, 2020 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Pension for Parents Questions
Replies: 18
Views: 1324

Re: Pension for Parents Questions

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 variety of ‘Joint & Survivor Annuity’ options. I’ll give a few examples below also demonstrating why the option and increments are worth considering: Option ------------------------------------ Payable to You ---------------- Payable to Beneficiary Upon Your Death Lump Sum ---------------------------------- $208,734.71 --------------------------------------- $0 50% Joint & Survivor Annuity ---------- $1015.11 ----------------------------...