Search found 673 matches

by EHEngineer
Mon Apr 16, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 687
Views: 55253

Re: To take or not to take delivery of Tesla 3

10 days ago I got my M3 configuration invitation. However, tesla's reaction to the deadly March autopilot MX crash has dampened my enthusiasm and I'm wondering what yall think about this. I was very dissapointed in their response. I wanted a response similar to the deadly autopilot MS crash in FL in...
by EHEngineer
Fri Apr 13, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: 1040 goes into the ether. what now?
Replies: 21
Views: 1619

Re: 1040 goes into the ether. what now?

I'd file Form 4868 (extension to file) if I was worried that the 1040 would not get there in time and then not worry about it until October. My vote is for livesoft's idea. Buy yourself some peace of mind. Anecdotally... I recently certified mailed a life insurance annual premium check. The insuran...
by EHEngineer
Fri Apr 13, 2018 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: sprawling portfolio need sanity check
Replies: 5
Views: 540

Re: sprawling portfolio need sanity check

-Rebalance His Vanguard 401k to: -60% Vanguard Instl 500 Index Trust (—/5796) 0.013% -40% Vanguard Instl Ext Market Idx Tr (—/5798) 0.04% why are you overweighting this? See next comment. -Roll Her Principal 403b money into Her Valic 403b and rebalance entirety to: I personally dont like mimicking ...
by EHEngineer
Fri Apr 13, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Home remodel questions
Replies: 10
Views: 1423

Re: Home remodel questions

Thank you all. I spoke with the chief architect and they changed #2 to say that all design rights transfer to me when I pay the design fees. He said this provision was left over from when he did designs that could be replicated, like condos or apartments. In my case it is a remodel, so the design pr...
by EHEngineer
Fri Apr 13, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: sprawling portfolio need sanity check
Replies: 5
Views: 540

Re: sprawling portfolio need sanity check

Welcome to bogleheads. Questions: 1. Quite frankly I’m a bit overwhelmed with the options available and how best (optimally) to rebalance between all accounts. So any recommendations here would be GREATLY appreciated. My stab to get us back on track is below. There are other options available in the...
by EHEngineer
Fri Apr 06, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Home remodel questions
Replies: 10
Views: 1423

Home remodel questions

I'm reviewing a contract for a home remodel. Having never done this I wanted to know what yall think about a couple things that I don't understand / seem less than assuring. 1)Termination: "Either party may terminate the project at any time without penalty, with fees due on services rendered only." ...
by EHEngineer
Wed Feb 07, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: 1099-MISC and Where to Report Income
Replies: 6
Views: 538

Re: 1099-MISC and Where to Report Income

Not an accountant or an attorney. But that's what I do with my 1099-misc box 7 income. Schedule C and Schedule SE. Actually, HR Block tax software populates those for me.

By the way, you now have more opportunities to open tax advantaged accounts. Congrats on making partner.
by EHEngineer
Wed Feb 07, 2018 10:08 am
Forum: Investing - Theory, News & General
Topic: Anyone else cashing out on *some* of the crazy earnings?
Replies: 74
Views: 8416

Re: Anyone else cashing out on *some* of the crazy earnings?

I have about 30% more in retirement funds than my Investment policy / my plan says I should hve . I have considered reducing risk. However, my plan says that if I reduce risk I will never increase it. It's a one way commitment. I suggest you make the same commitment in order to avoid emotional mist...
by EHEngineer
Wed Feb 07, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: CD Ladders or Tax-Exempt Bonds in Taxable
Replies: 5
Views: 979

Re: CD Ladders or Tax-Exempt Bonds in Taxable

I sympathize with your decision. Just last night I was also considering, 'where should I invest taxable bond money?' As stan pointed out, this is not about finding the right answer, it is about choosing the risks you want. You are considering stock market performance, changes in your retirement date...
by EHEngineer
Thu Feb 01, 2018 11:07 am
Forum: Investing - Theory, News & General
Topic: Anyone else cashing out on *some* of the crazy earnings?
Replies: 74
Views: 8416

Re: Anyone else cashing out on *some* of the crazy earnings?

Just so you are not disappointed, my comment would be that timing the market is a losing proposition. Capture your gains by rebalancing and just stay the course. For me, in the saving phase, the rebalancing benefit has been hard to "see." Because I get paid every two weeks, and each paycheck has th...
by EHEngineer
Thu Feb 01, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: Anyone else cashing out on *some* of the crazy earnings?
Replies: 74
Views: 8416

Re: Anyone else cashing out on *some* of the crazy earnings?

Going to throw this out there, pretty much knowing what people are going to say. But how many others are out there, thinking the same way. Account is up a very healthy amount the last year, not to mention just the last 4 weeks (well into the 5 figures). I think the run up in the last year is 80% em...
by EHEngineer
Thu Feb 01, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Can anyone explain the reasoning behind [Vanguard Total Bond Index vs Vanguard Investment Grade Bond]
Replies: 8
Views: 942

Re: Can anyone explain the reasoning behind

Hi Lyra - Sometimes the bond fund name is not sufficient to understand what it contains. look at the vanguard page for each fund, click on the "portfolio & management" tab. Then compare the duration of the two funds. Also on that page, look at the table of "distribution by credit quality." You will ...
by EHEngineer
Wed Jan 31, 2018 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Rebalancing our portfolio
Replies: 2
Views: 258

Re: Help with Rebalancing our portfolio

Few things:
ticker symbols need names and current allocation percentages.
you need a desired asset allocation
have you considered tax adjusted asset allocation (wiki article)?
by EHEngineer
Wed Jan 31, 2018 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Indexed Universal Life Question
Replies: 15
Views: 1080

Re: Indexed Universal Life Question

So my question to the insurance experts, is what to do now? Or at least what variables should I be looking at to make that decision. I understand a cheap term policy is typically the right answer. Appreciate your advice and time. CAGR Make sure you have a term policy(s) in place before you cancel t...
by EHEngineer
Wed Jan 31, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with Ameriprise annuities
Replies: 37
Views: 2197

Re: What to do with Ameriprise annuities

I will pay off ARM which comes due May 2018 from ROTH? Thanks. Annieacres - This question is best answered after considering your current and future tax rates. It would be a shame to use your roth to avoid 18% tax, only to pay 31.3% later. What month will you recieve your first annuity payment from...
by EHEngineer
Wed Jan 31, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with Ameriprise annuities
Replies: 37
Views: 2197

Re: What to do with Ameriprise annuities

I'm single retired 65 lady, Annual income $32,000 includes pension and SS. live in CA with high cost of living. $80,000 ARM on my home. In 2006 was I sold 2 variable annuities from Ameriprise. Unfortunatley I believe both are have investments in proprietary. No serender charges apply. *FIRST ANUITY...
by EHEngineer
Fri Jan 26, 2018 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Help with parent’s portfolio
Replies: 26
Views: 1713

Re: Help with parent’s portfolio

Sounds like you are making some progress. <snip> I'm also struggling to put together an asset allocation for her. I'm not sure how to view the annuities + social security vs her investable assets. I haven't reviewed the details since before, but this question is an easy one. If she is spending $100k...
by EHEngineer
Fri Jan 26, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: 2017 HR Block tax federal tax update won't install
Replies: 11
Views: 1249

Re: 2017 HR Block tax federal tax update won't install

I have had this problem in the past with the Mac version. If you have any external drives connected to your computer, disconnect them and the update should proceed correctly. Create a new user (zero files to be searched). Disconnect everything, including network attached storage. I just updated. It...
by EHEngineer
Fri Jan 26, 2018 12:01 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin bubble ending with a flat top rather than a sharp drop?
Replies: 33
Views: 2558

Re: Bitcoin bubble ending with a flat top rather than a sharp drop?

This is just a random thought of mine and probably has been considered and rejected, but it seems to me that a responsible cryptocurrency would be designed so that the quantity in circulation would be tied to world GDP. You think like an economic genius. Milton Friedman suggested that a better way ...
by EHEngineer
Sun Jan 21, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Etiquette of converting to exempt status
Replies: 32
Views: 3893

Re: Etiquette of converting to exempt status

Sorry been busy with the holidays lately. Since you are curious: I spoke to a lawyer. Labor law is on the employer's side with this. Because I have a hand in employee recruitment for my department and I am involved in decision making my job description meets all the checkboxes for exempt status. I ...
by EHEngineer
Sun Jan 21, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: 5GB iCloud storage vs 128GB iPhone
Replies: 16
Views: 1190

Re: 5GB iCloud storage vs 128GB iPhone

I am getting fed up with the constant messages on my phone about running of iCloud storage. I do not care. I want to disable the messages but there seems to be no way. To make matters worse, any time a photo is opened, it complains about the iCloud storage. I want to be able to remove any connectio...
by EHEngineer
Wed Jan 03, 2018 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: 529 plan in tax free state, dont do it?
Replies: 5
Views: 617

Re: 529 plan in tax free state, dont do it?

I think you're not comparing apples to apples. First, You're compaing different asset allocations for the same 10 yr horizon. Whether you spend money from an IRA or from a 529, your allocation should be the same for a 10 year horizon. Second, you should not be paying 0.9% for a 529. I am paying 0.16...
by EHEngineer
Wed Jan 03, 2018 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: 529 plan and assett allocation
Replies: 2
Views: 334

Re: 529 plan and assett allocation

most, maybe all, of the plans have an age based portfolio. Some even have agressive, moderate, or conservative choices for each age. Just pick one of the many good 529 plans, then set it and forget it.
by EHEngineer
Wed Jan 03, 2018 12:43 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard completely messed up my cost basis..big problem
Replies: 25
Views: 1736

Re: Vanguard completely messed up my cost basis..big problem

What would you guys recommend that I do?? I'm worried Vanguard won't help me and Merrill is saying it's Vanguard's fault. I don't want to be stuck holding the bag at the end of the day... At this point just work with Merrill Edge. I don't see why you need to contact Vanguard any further for these s...
by EHEngineer
Sun Dec 24, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Etiquette of converting to exempt status
Replies: 32
Views: 3893

Re: Etiquette of converting to exempt status

sabtastic wrote:
Tue Nov 28, 2017 12:22 am
<snip>
I'm going to read up on exempt labor laws and see if I can negotiate some way out of this where I won't be "allowed" overtime any more.
Sabtastic, Can you give us with an update? Have you attempted to negotiate?

Happy holidays,
Ehen
by EHEngineer
Fri Dec 22, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Apple 2FA is saving DEVICE passwords in the cloud
Replies: 21
Views: 2747

Re: Apple 2FA is saving DEVICE passwords in the cloud

Thank you for the additional detail. The jargon is a bit overwhelming. I'll be doing some white boarding to see if I can diagram it.
SpaethCo wrote:
Thu Dec 21, 2017 12:23 pm
All that being said, the weakest link in all of this is still the humans that use this technology.
Image
Very true.
by EHEngineer
Fri Dec 22, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Apple 2FA is saving DEVICE passwords in the cloud
Replies: 21
Views: 2747

Re: Apple 2FA is saving DEVICE passwords in the cloud

BrandonBogle wrote:
Thu Dec 21, 2017 1:07 pm
You aren't. Simply because you typed in your password on your device for a verification request, it doesn't mean you ever put your password (in any form) anywhere other than on your device.
I hear you. there is something I don't get. I will attempt to reconsider.
by EHEngineer
Fri Dec 22, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Apple 2FA is saving DEVICE passwords in the cloud
Replies: 21
Views: 2747

Re: Apple 2FA is saving DEVICE passwords in the cloud

I get it. The device password (aka "encrypted, hashed, salted, stretched blob") resides on an apple server somewhere to be sent to devices for authentication purposes when requested. That's the cloud. That's what I don't want. No, you very obviously don't get it, and it is useless to continue. I wi...
by EHEngineer
Thu Dec 21, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Quick question on distribution dates
Replies: 2
Views: 197

Re: Quick question on distribution dates

livesoft wrote:
Thu Dec 21, 2017 12:17 pm
You will not be paid the distribution for shares bought today. I can't say anything about the shares you gave away.
:sharebeer

I had converted those to ETF, and fortunatly they went through one day before being paid dividends. Lucky!
by EHEngineer
Thu Dec 21, 2017 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Quick question on distribution dates
Replies: 2
Views: 197

Quick question on distribution dates

My charitable donation of appreciated shares went through yesterday. Now I need to repurchase those shares. Many of the "Vanguard Total" funds list today, 12/21, as the "payable date". If I put in a mutual fund order during trading hours today (ie right now), will I be paid the distribution or not? ...
by EHEngineer
Thu Dec 21, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Apple 2FA is saving DEVICE passwords in the cloud
Replies: 21
Views: 2747

Re: Apple 2FA is saving DEVICE passwords in the cloud

To gain access to the iCloud Keychain, an attacker needs to gain access to both your iCloud account (more difficult with 2FA), and also be able to guess one of your device passcodes within 10 tries. Or find a fault in the system. Or get a subpoena. I'm sure the FMEA for this system is huge and has ...
by EHEngineer
Thu Dec 21, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Apple 2FA is saving DEVICE passwords in the cloud
Replies: 21
Views: 2747

Re: Apple 2FA is saving DEVICE passwords in the cloud

I really appreciate the time you took to spell that out. I had heard all those terms before, but I couldn't have explained them. It's interesting and impressive, but my preferred strategy remains: avoid putting my passwords in the cloud. As called out in later posts, you are not sending your device...
by EHEngineer
Thu Dec 21, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Late in the game advice please
Replies: 11
Views: 1405

Re: Late in the game advice please

Hi Blackrock, Welcome to bogleheads. However, more details would help. For the future, your saving rate is far more important than this $3000. And, to save requires income. Why is your job / income unknown after June? Why don't you know where you'll be living? Why can't you plan for that? This is m...
by EHEngineer
Tue Dec 19, 2017 10:51 pm
Forum: Personal Consumer Issues
Topic: Apple 2FA is saving DEVICE passwords in the cloud
Replies: 21
Views: 2747

Re: Apple 2FA is saving DEVICE passwords in the cloud

<snip> I completely agree with MP123. I have seen no reason to believe (either in your OP or anyplace on the net) that they are actually storing your password in the cloud. Apple can verify if you know your mac password without actually knowing what the mac password it, and thus have no need to sto...
by EHEngineer
Tue Dec 19, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Apple 2FA is saving DEVICE passwords in the cloud
Replies: 21
Views: 2747

Re: Apple 2FA is saving DEVICE passwords in the cloud

It's probably storing a hash of your password and then running your submitted password through the same hash and comparing. In theory no way for them to figure out what your password actually is, just that you know what it is. If someone stole the hash it still wouldn't tell them the password. yeah...
by EHEngineer
Tue Dec 19, 2017 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Late in the game advice please
Replies: 11
Views: 1405

Re: Late in the game advice please

Hi Blackrock, Welcome to bogleheads. Everything you wrote seems reasonable. I don't think you can go wrong with the roth and VTIVX or paying down a 6.8% loan. However, more details would help. For the future, your saving rate is far more important than this $3000. And, to save requires income. Why i...
by EHEngineer
Tue Dec 19, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Apple 2FA is saving DEVICE passwords in the cloud
Replies: 21
Views: 2747

Re: Apple 2FA is saving DEVICE passwords in the cloud

I have been using apple's 2 factor for a long time. I got a new iphone recently, while setting it up, the iPhone asked for my iMAC password. That's weird right? Why does my phone want the password for another device? I'm not talking about iCloud password, I'm talking about the login password for my...
by EHEngineer
Fri Dec 15, 2017 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Active vs. index funds in a recession:
Replies: 11
Views: 1066

Re: Active vs. index funds in a recession:

Index funds (net of expenses) perform exactly the same as the index. Always. No exception. This is an overstatement. Actually it's just wrong. Even a low expense fund can underperform its index. Vanguard total bond market did it by about 2% in 2002. Not because of high ER, but because they messed up.
by EHEngineer
Fri Dec 15, 2017 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Please review my personal portfolio and questions
Replies: 6
Views: 782

Re: Please review my personal portfolio and questions

Hi ebp12100, Welcome to bogleheads. You have a very nice 403b and your portfolio is almost 100% boglehead already, so nice work. I hope you can learn some new things here. 1) You can withdrawl Roth IRA contributions at any time (eg in an emergency). so there is no need to forgo Roth contributions to...
by EHEngineer
Fri Dec 15, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: New Car - Always use parking brake ?
Replies: 72
Views: 7281

Re: New Car - Always use parking brake ?

First car and you are already a gear head! I dont have any actual evidence that using the parking brake helps durability. But here's couple things I always do. 1) When you use the park brake, set it firmly. If you set it softly you may accidentally drive through it and burn up the brake. 2) I use a ...
by EHEngineer
Fri Dec 15, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: Apple 2FA is saving DEVICE passwords in the cloud
Replies: 21
Views: 2747

Apple 2FA is saving DEVICE passwords in the cloud

I have been using apple's 2 factor for a long time. I got a new iphone recently, while setting it up, the iPhone asked for my iMAC password. That's weird right? Why does my phone want the password for another device? I'm not talking about iCloud password, I'm talking about the login password for my ...
by EHEngineer
Fri Dec 15, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 392
Views: 62009

Re: Retirement Account Stolen by Identity theft

So, all's well that ends well. The money is back in the account, there is no indication from Transamerica as to who the thief was, and after the New Year I will be transferring the account to Vanguard. Thanks again for all your help and support. That's great, I'm glad they delivered. Thanks for the...
by EHEngineer
Sat Dec 09, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 6667

Re: Does this happen to you? Educating friends about personal finance

Does this happen to you? <snip> Do you all experience this? What do you do? How do you get friends to take the time necessary to get at least to a 60% knowledge level? Try to be a little more humble. Your way is not the only way. There are "experts" who will say anything. Never give unsolicited adv...
by EHEngineer
Tue Dec 05, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: HSA Question. Switching health plans
Replies: 3
Views: 368

Re: HSA Question. Switching health plans

First, I have never heard of an employer allowing separate plans for an employee and family. Interesting. I don't think you can merge the two plans. I believe it's like an IRA. However you can use it to pay/reimburse expenses until the account is empty. That's what I would do. Drain it down as expen...
by EHEngineer
Tue Dec 05, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Newport Group servicing 403bs for Vanguard?
Replies: 8
Views: 710

Re: Newport Group servicing 403bs for Vanguard?

It's mentioned on the vanguard site. Look for the double asterisk. https://investor.vanguard.com/403b-plans/
by EHEngineer
Tue Dec 05, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Newport Group servicing 403bs for Vanguard?
Replies: 8
Views: 710

Re: Newport Group servicing 403bs for Vanguard?

my first thought is make sure you actually called vanguard and didn't mis-dial.
by EHEngineer
Tue Dec 05, 2017 9:34 am
Forum: Investing - Theory, News & General
Topic: The "petro," a Venezuelan oil-backed cryptocurrency
Replies: 32
Views: 2518

Re: The "petro," a Venezuelan oil-backed cryptocurrency

Derby wrote:
Tue Dec 05, 2017 12:53 am
nisiprius wrote:
Mon Dec 04, 2017 5:11 pm
And if you don't understand what an "oil-backed cryptocurrency" is, neither do I, and neither do the news organizations reporting on it.
And neither does Maduro. It's like one of his advisors said to him yesterday "PLASTICS."
I laughed out loud. I think this is what happened.
by EHEngineer
Sun Dec 03, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: yacht vs charity
Replies: 1
Views: 594

Re: yacht vs charity

I think the actionable part of your post is a request for book recommendations. You have realized what Adam Smith did a while back. That societal good can come from "selfish" intentions. Note: "can" not "will" or "must." Russ Roberts: How Adam Smith Can Change Your Life https://www.amazon.com/Adam-S...
by EHEngineer
Sat Dec 02, 2017 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help me Help mom
Replies: 29
Views: 1778

Re: Help me Help mom

John, Do you have cost basis information for the taxable stocks and bonds? With that much in taxable, you will likely want to manage the capital gains as you transition to an index portfolio. I get the sense she has "more" than she needs, but to confirm, do you have a sense of her spending? Is she ...