Search found 212 matches

by elcadarj
Thu Feb 25, 2021 9:18 am
Forum: Personal Consumer Issues
Topic: A boat for old knees
Replies: 46
Views: 3546

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 9:58 am
Forum: Personal Consumer Issues
Topic: Mounting on Plaster Wall versus Sheet Rock
Replies: 13
Views: 1128

Re: Mounting on Plaster Wall versus Sheet Rock

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...
by elcadarj
Wed Feb 17, 2021 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Taxation Of Moving Expenses Young Law Grad
Replies: 13
Views: 642

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 ...
by elcadarj
Thu Feb 11, 2021 6:17 pm
Forum: Personal Consumer Issues
Topic: Buying a car spring 2021
Replies: 73
Views: 5020

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 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Hiring 16 year old for legitimate work on rental properties. Help needed
Replies: 23
Views: 1864

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 informati...
by elcadarj
Thu Feb 04, 2021 2:01 pm
Forum: Personal Consumer Issues
Topic: DO I renew Microsoft office 360 again?
Replies: 25
Views: 2057

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 11:26 am
Forum: Personal Consumer Issues
Topic: Backcountry camping trip mid-April
Replies: 16
Views: 938

Re: Backcountry camping trip mid-April

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...
by elcadarj
Mon Jan 11, 2021 1:37 pm
Forum: Personal Investments
Topic: Please help advise on taking over my own investments
Replies: 13
Views: 1051

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 you...
by elcadarj
Wed Dec 23, 2020 8:57 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 470
Views: 39336

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 9:50 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 336
Views: 39723

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 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Pension for Parents Questions
Replies: 18
Views: 1054

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...
by elcadarj
Sun Nov 29, 2020 9:54 pm
Forum: Personal Consumer Issues
Topic: Anyone use excel with a large (100,000 row) spreadsheet?
Replies: 14
Views: 1369

Re: Anyone use excel with a large (100,000 row) spreadsheet?

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 ...
by elcadarj
Sun Nov 29, 2020 9:36 pm
Forum: Personal Consumer Issues
Topic: Anyone use excel with a large (100,000 row) spreadsheet?
Replies: 14
Views: 1369

Re: Anyone use excel with a large (100,000 row) spreadsheet?

Try hot key combo: CTRL + SHFT + DOWN.
by elcadarj
Thu Nov 26, 2020 9:47 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2020 software offer
Replies: 426
Views: 33479

Re: H&R Block 2020 software offer

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...
by elcadarj
Mon Nov 23, 2020 9:21 am
Forum: Personal Investments
Topic: Consolidating Son's Accounts
Replies: 6
Views: 381

Re: Consolidating Son's Accounts

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...
by elcadarj
Thu Nov 19, 2020 7:53 am
Forum: Personal Consumer Issues
Topic: Where can I find a running shirt like this?
Replies: 13
Views: 1785

Re: Where can I fund a running shirt like this?

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...
by elcadarj
Wed Nov 18, 2020 12:37 pm
Forum: Personal Consumer Issues
Topic: New Truck Purchase
Replies: 105
Views: 7657

Re: New Truck Purchase

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...
by elcadarj
Tue Nov 03, 2020 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: HOA stopping my rental
Replies: 80
Views: 8267

Re: HOA stopping my rental

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...
by elcadarj
Wed Sep 02, 2020 6:52 pm
Forum: Personal Consumer Issues
Topic: Undergrad College List
Replies: 64
Views: 4756

Re: Undergrad College List

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.
by elcadarj
Tue Sep 01, 2020 12:35 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation - What Would MegaCorp Do?
Replies: 3
Views: 571

Re: Asset Allocation - What Would MegaCorp Do?

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...
by elcadarj
Sat Aug 29, 2020 1:12 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation - What Would MegaCorp Do?
Replies: 3
Views: 571

Asset Allocation - What Would MegaCorp Do?

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...
by elcadarj
Sat Aug 22, 2020 2:50 pm
Forum: Personal Consumer Issues
Topic: Best Earbuds with Microphone
Replies: 40
Views: 2458

Re: Best Earbuds with Microphone

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.
by elcadarj
Fri Jul 24, 2020 12:51 pm
Forum: Personal Consumer Issues
Topic: Morgan Stanley letter about a data breach in my "former Morgan Stanley account" when I've never had one
Replies: 30
Views: 3855

Re: Morgan Stanley letter about a data breach in my "former Morgan Stanley account" when I've never had one

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.
by elcadarj
Thu Jul 23, 2020 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: TriCare at age 60
Replies: 10
Views: 1606

Re: TriCare at age 60

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...
by elcadarj
Thu Jul 23, 2020 9:50 am
Forum: Personal Investments
Topic: Just added another 70k per annum.
Replies: 25
Views: 5372

Re: Just added another 70k per annum.

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...
by elcadarj
Wed Jul 15, 2020 6:29 am
Forum: Personal Finance (Not Investing)
Topic: TriCare at age 60
Replies: 10
Views: 1606

Re: TriCare at age 60

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.
by elcadarj
Wed Jul 15, 2020 6:26 am
Forum: Personal Finance (Not Investing)
Topic: TriCare at age 60
Replies: 10
Views: 1606

Re: TriCare at age 60

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.
by elcadarj
Wed Jul 15, 2020 6:17 am
Forum: Personal Finance (Not Investing)
Topic: Switching from W2 to 1099 contractor. Seeking advice.
Replies: 43
Views: 1977

Re: Switching from W2 to 1099 contractor. Seeking advice.

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...
by elcadarj
Thu Feb 20, 2020 11:04 am
Forum: Personal Consumer Issues
Topic: Roku Express+ or Roku Streaming Stick+ for a Non-Tech Cord Cutter?
Replies: 20
Views: 1568

Re: Roku Express+ or Roku Streaming Stick+ for a Non-Tech Cord Cutter?

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...
by elcadarj
Wed Feb 19, 2020 2:57 pm
Forum: Personal Consumer Issues
Topic: Roku Express+ or Roku Streaming Stick+ for a Non-Tech Cord Cutter?
Replies: 20
Views: 1568

Re: Roku Express+ or Roku Streaming Stick+ for a Non-Tech Cord Cutter?

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...
by elcadarj
Fri Feb 07, 2020 7:18 am
Forum: Personal Consumer Issues
Topic: Is a *new* Drivers License required for USA citizens who have a Passport?
Replies: 45
Views: 4426

Re: Is a *new* Drivers License required for USA citizens who have a Passport?

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...
by elcadarj
Wed Jan 15, 2020 5:02 pm
Forum: Personal Consumer Issues
Topic: Roku Express+ or Roku Streaming Stick+ for a Non-Tech Cord Cutter?
Replies: 20
Views: 1568

Re: Roku Express+ or Roku Streaming Stick+ for a Non-Tech Cord Cutter?

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...
by elcadarj
Wed Jan 15, 2020 4:40 pm
Forum: Personal Consumer Issues
Topic: Microsoft : Edge Being Replaced by Chromium
Replies: 27
Views: 4568

Re: Microsoft : Edge Being Replaced by Chromium

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.

:thumbsup :thumbsup
by elcadarj
Mon Jan 13, 2020 1:06 pm
Forum: Personal Consumer Issues
Topic: Charleston mid-March to mid-April Recommendations
Replies: 15
Views: 839

Re: Charleston mid-March to mid-April Recommendations

EdNorton wrote: Mon Jan 13, 2020 1:02 pm If you like oysters and dive bars, Bowen's Island Restaurant. :sharebeer
:thumbsup :thumbsup
by elcadarj
Fri Jan 03, 2020 9:50 pm
Forum: Personal Investments
Topic: Would Fidelity Brokeragelink make sense for me?
Replies: 9
Views: 912

Re: Would Fidelity Brokeragelink make sense for me?

+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...
by elcadarj
Sat Dec 21, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: RESOLVED: Wife needs new Wine Fridge / Chiller: we don't buy wine expensive enough that it needs to be aged...
Replies: 53
Views: 3640

Re: Wife needs new Wine Fridge / Chiller: we don't buy wine expensive enough that it needs to be aged...

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...
by elcadarj
Tue Dec 17, 2019 4:07 pm
Forum: Personal Consumer Issues
Topic: How did your Windows 10 upgrade go?
Replies: 66
Views: 5497

Re: How did your Windows 10 upgrade go?

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-...
by elcadarj
Sat Dec 07, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: New passport how long to obtain?
Replies: 37
Views: 2522

Re: New passport how long to obtain?

The key is to get your application in before the wave of spring breakers start applying after the first of the year.
by elcadarj
Mon Dec 02, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: which netgear wifi for replacement of airport extreme base station
Replies: 15
Views: 512

Re: which netgear wifi for replacement of airport extreme base station

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...
by elcadarj
Mon Dec 02, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: TriCare at age 60
Replies: 10
Views: 1606

Re: TriCare at age 60

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...
by elcadarj
Wed Nov 20, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: Water heater - am I getting ripped off
Replies: 58
Views: 4728

Re: Water heater - am I getting ripped off

Get a quote w/installation from a big box like Lowe's or Home Depot.
by elcadarj
Wed Nov 20, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: computers/programs/sites changing
Replies: 24
Views: 2030

Re: computers/programs/sites changing

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) ...
by elcadarj
Wed Nov 20, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Opposite federal income tax withholding: I was paid instead of having to pay
Replies: 6
Views: 825

Re: Opposite federal income tax withholding: I was paid instead of having to pay

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...
by elcadarj
Fri Nov 15, 2019 10:53 am
Forum: Personal Investments
Topic: Ultra Short Term Treasury ETFs
Replies: 40
Views: 4109

Re: Ultra Short Term Treasury ETFs

Try this site, it has list of 18 ultra short fixed-income etfs: https://www.etf.com/channels/ultra-short-term-etfs
by elcadarj
Mon Nov 11, 2019 8:03 pm
Forum: Personal Consumer Issues
Topic: Hi Def Audio listening
Replies: 22
Views: 1515

Re: Hi Def Audio listening

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 ...
by elcadarj
Fri Nov 08, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Recommendation
Replies: 6
Views: 821

Re: HSA Recommendation

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...
by elcadarj
Fri Nov 01, 2019 11:00 pm
Forum: Personal Consumer Issues
Topic: Costa Rica
Replies: 14
Views: 1992

Re: Costa Rica

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...
by elcadarj
Wed Oct 30, 2019 5:55 am
Forum: Personal Finance (Not Investing)
Topic: TriCare at age 60
Replies: 10
Views: 1606

Re: TriCare at age 60

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...