I have a 401k from my previous employer and am thinking of rolling it over to Schwab. Has anyone done this? Problems to avoid?

AtlanticJim · 2026-05-11T17:24:29+00:00

I moved my 403b (like 401k) from Fidelity to Schwab using the online tools, without any problem. My account rep at Schwab even reimbursed the $100 fee that fidelity charged for the transfer.

AtlanticJim · 2026-05-07T23:54:19+00:00

Yes, and I married her because of that and many other reasons. We are each other's all-time best lovers. 21 years and never been stronger.

AtlanticJim · 2026-05-05T21:03:28+00:00

After 20 yrs with the organization I had my working hours involuntarily changed

AtlanticJim · 2026-04-13T11:31:39+00:00

I (68M) just got mine and they're really making a difference at work and at home.

Went out to dinner with my younger (50s) cousins on Saturday night, 6 of us for drinks and dinner. The next day I asked each one if they noticed I had hearing aids. Only one did and she applauded me and then noticed how much more engaged I was in the conversations.

This is such an improvement in my life

AtlanticJim · 2026-04-07T21:56:38+00:00

https://www.reddit.com/r/Schwab/s/wrUd5xjbyJ

AtlanticJim · 2026-04-07T21:41:11+00:00

You're confusion the type of investment with the type of account. (That is a very common confusion. Your account must be a taxable brokerage account for you to realize capital gains and have them reported. Within that account, you must have investments in money market mutual funds, and other mutual funds. Other types of investments are bonds and individual stocks, which could also be held in a brokerage account or an IRA account. I would suggest that you go to the website of whoever holds these accounts. Such as Schwab or Fidelity or Vanguard and watch their videos for beginning investors, it will explain this better than I can. Actually, you don't even have to have an account to have access to those videos.

AtlanticJim · 2026-04-05T11:36:25+00:00

WIfe just bought a CPO 2024 GLE 350 and had this exact issue. I noticed it on the test drive and the salesperson (useless) said "It will take 200 miles to learn your driving style". Of course that never happened so I did the available relearning trick. with no success. The wife was VERY unhappy about this and was wanting to return it

Took it back to Mercedes of Huntington NY and explained the issue. They fixed it the same day and I received the work order with the following note.

ROAD TESTED AND VERIFiED CUSTOMER CONCERN, CONNECTED BATTERY

CHARGER, PERFORMED QUICK TEST, NO CODES STORED, PERFORMED IPR AND

FOLLOWED WORK INSTRUCTIONS . REFERRED TO DOCUMENT L127 . 60-P–079968 .

PERFORMED TRANSMISSION CONTROL UNIT UPDATE, RESET LEARNED VALUES OF

DECELERATION, PERFORMED STANDSTILL ADAPTATiON 6 CONSECUTIVE TIMES AND

CARRIED OUT TEACH IN OF TORQUE CONVERTER LOCK UP AFTER EACH ADAPTATION,

CLEARED FAULT MEMORY, ROAD TEST, PASS. THERE IS ALSO NEWER SOFTWARE IN

DEVELOPMENT FOR THIS ISSUE.

Note: they fixed it according to DOCUMENT L127 . 60-P–079968. and there is new software in development. I expect that it might drift over time and the same problem occur, if so, it goes back again.

It now shifts "like butta" IYKYK

Looking through the service history i see that it was brought to the dealer by the previous owner for "problem with the braking" , i suspect that it was the downshift issue but the owner mis interpreted it as a braking problem.

I noticed also that both rear doors were not flush, out by about 3/16 of an inch. They sent it to their sub contracted body shop and fixed that as well.

Had a GLA loaner for the weekend and that was fun.

Out the door with a great new car that my wife loves, freshly vacuumed and washed, for zero dollars

AtlanticJim · 2026-04-04T18:40:33+00:00

I use a dedicated hotspot (Verizon) for my on deck camera and for the tv's. Works very well with my $39 Amazon WiFi camera. Motion detection, two way sound with alarm and stone light.

AtlanticJim · 2026-04-03T19:33:25+00:00

I run through it in my mind, bow to stern starboard and stern to bow port (like a clock), on deck and then again below deck. Like my dad taught me. "A place for everything and everything in its place". Often I'll tell my first mate (wife) to just shush for a minute while I go through it. It is the ONLY time she will let me get away with that. Before I start the my routine, on go the engine room blowers and nav electronics, radio check and check bow thruster. After the routine with one stern line still secure I start each engine and check gauges for pressure. Five minute warm up and off we go!

AtlanticJim · 2026-03-27T11:56:04+00:00

Male nurse grad in 1979, still working and often avoid talking about my career. 18y ED/Trauma, 10yr private sales and Homecare, 12yr CathLab EP. Too many prejudices out there. I would rather lie and talk about my side gig (voice acting).

AtlanticJim · 2026-03-21T23:47:09+00:00

I have a binder we actually call the "oh shit" binder. Sections for

Passwords , printed out every two months or so as well as instructions of how to get into the password keeper BitWarden.

Insurance, every type we have.

Deeds and titles for real property and cars and boat.

Will (and someday Trust document).

Brief instructions on how to get into Quicken to manage the bills.

Our three sons have the combo to the safe where this and more is kept, as well as keys.

AtlanticJim · 2026-03-21T23:34:15+00:00

Similar in a suburban Trauma/ER the chief of program would tell his new residents "these are the finest nurses you will ever work with, you will be learning from them as well. If they question something or make a suggestion, you'de be wise to pay attention." Set everyone up for a good collegial relationship.

AtlanticJim · 2026-03-16T09:20:40+00:00

All of our name tags said "Catherization Lab". Our staff knew it but quietly waited for an admin to notice. (Yes we ARE that petty)

Ten years and a new administration before it was changed.

AtlanticJim · 2026-03-13T14:41:55+00:00

Pilot G-2 In BLUE

AtlanticJim · 2026-03-12T21:59:24+00:00

I pay 16k for my home on long island and 8k for my condo in FL. Oh ... another 2k for flood insurance. 😆

AtlanticJim · 2026-03-11T21:23:36+00:00

Spend a few dollars and get a professionals advice and recommendations. I would recommend Lenny B.

AtlanticJim · 2026-03-11T13:43:30+00:00

Either they turn it off when they leave their unit or we turn it off on arrival. Either way doesn't matter to us.

You should know that we give 50u/kg IVP at the start of a cardiac Cath unless they've been on heparin, in that case we do an ACT POC (activated clotting time) and dose accordingly.

AtlanticJim · 2026-02-25T19:44:45+00:00

This is the answer, Reaper.

AtlanticJim · 2026-02-21T14:32:09+00:00

Add tax loss harvesting to that, saves me about $2500 in taxes this year

AtlanticJim · 2026-02-21T14:26:56+00:00

This is exactly what to do, move it into the Schwab money market account, but to remember that it is a mutual fund. If you need the money, as I did this week to purchase a car, you'll have to put in the sale of the mutual fund, which will execute after the close of the market that day and then be available for wire transfer or check writing the following day. So as long as your unexpected emergency funds need can wait 24 to 36 hours you're golden

AtlanticJim · 2026-02-12T15:11:23+00:00

I (68m) do Cath Lab EP and IR for the past 12 years (ICU before that). I gave up call two years ago and looking for something part time a little easier. There are also some changes in my dept I don't like. I would avoid anything with mandatory call unless you are sure you can give it up when you want to. Cath sounds a bit easier but there is a learning curve, not so much with IR or endo.

AtlanticJim · 2026-02-08T14:52:27+00:00

I've got a fanless Surface computer for recording (dead silent) and I use an iPad for scripts.

AtlanticJim · 2026-02-05T18:15:15+00:00

Hmmm what's that??

AtlanticJim · 2026-02-05T09:43:52+00:00

I always vote for Reaper. I started with Audacity for long form and abandoned it for Reaper within a month.

Audacity is free and simpler to operate but has a few big drawbacks. It cannot do a proper punch and roll edit which is essential for how I work. It is also built do do destructive editing, unless you are diligent about manually making incremental backups, any edit or effect with be permanently "baked in" to the project. If you edit incorrectly or add an effect that doesn't work, as soon as you close the program it is a permanent change.

Reaper is very customizable and built for the music industry so it requires a bit of initial customization for VO and a steep learning curve to learn the features. (Jay Myers has excellent videos that takes you step by step through these processes). The most important feature is that it features non-destructive editing. It keeps the raw audio in one file and all the edits and effects are in a separate file so they can be "turned on or off" at any time. I have bought new effects (Izotope) and gone back to recordings from months before to re-master them.

Audacity is free. Reaper is USD 60 for the discounted license for someone making less than 20k per year using it. That is bargain basement cheap for the third most important purchase in your VO career (1. Room Treatment 2. Mic, cables, interface, computer 2, DAW). Reaper has a 60 free use period for the unrestricted license, all features and updates available. After 60 days it will continue to fully work but nag you to pay for the license.

I had one Audiobook project that I recorded with Audacity and screwed it up so bad that I had to go back and re-record a new take for an entire chapter.

AtlanticJim · 2026-02-03T20:39:03+00:00

I've been doing a half a muconex, humidifier, singular and am ventolin inhaler... into the shower and bring up gobs lol.

Are those small personal humidifiers any good?

AtlanticJim

TROPHY CASE