Search found 142 matches

by pyld76
Sun Sep 09, 2018 11:30 pm
Forum: Personal Consumer Issues
Topic: Encryption Solution: Local + Cloud
Replies: 60
Views: 3328

Re: Encryption Solution: Local + Cloud

Can anyone share a good free encryption solution that works both locally (windows) and on cloud? I'm not looking to encrypt everything on a PC, but only some files and folders. There are so many tools and apps available that it's confusing. Some have even been discussed on this forum in the past. M...
by pyld76
Wed Jul 18, 2018 12:52 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 12851

Re: New Vanguard Security Code Requirement

It's a cutting edge solution to buggy whip design... exactly what I have come to expect of Vanguard IT over the years. To be fair, 2FA is so common it's easy to stay with the heard and pretend that it provides actual security. With respect, a properly designed “what you know and what you have” regi...
by pyld76
Wed Jul 11, 2018 11:55 am
Forum: Investing - Theory, News & General
Topic: Morningstar: What to Consider When Picking Multifactor ETFs
Replies: 83
Views: 5572

Re: Morningstar: What to Consider When Picking Multifactor ETFs

I was happy with the previous 20 years, never changing funds just biweekly equal contributions. But my change was because I now understood the reason to own fixed income in retirement and index funds. Don't change a thing. A three fund (or, in tax sheltered, the target date and/or lifestrategy) por...
by pyld76
Wed Jul 11, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 238
Views: 22505

Re: Vanguard to offer non-Vanguard ETFs commission-free

I'd just tack on the overall lack of quality in Vanguard's IT. The margins left for cutting expenses vs. the competition have shrunk immensely, and there's not a lot of significant room left to move. But I believe strongly that over the last 5-10 yrs there has been a slowly opening window of opport...
by pyld76
Sun May 13, 2018 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation to combine Dave Ramsey and Vanguard?
Replies: 79
Views: 7845

Re: Allocation to combine Dave Ramsey and Vanguard?

I digress. If you can stomach the bumps, there isn't anything particularly wrong with the tilted portfolio you describe. Thanks for the input. Bumps - okay - as long as the bumps provide greater overall returns in the end. Would bumps be bigger and the returns be better if I chose value rather than...
by pyld76
Sun May 06, 2018 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation to combine Dave Ramsey and Vanguard?
Replies: 79
Views: 7845

Re: Allocation to combine Dave Ramsey and Vanguard?

Aggressive, yes. Do you think it’s inappropriatley aggressive? Or unnecessarily tilted against the weighted market cap? If you've got an adequate enough cash cushion to ride out a 200 or 2008 style market drop and stay the course, sure. Honestly, now that I've been researching mutual funds for a fe...
by pyld76
Sun May 06, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Resignation letter
Replies: 66
Views: 7137

Re: Resignation letter

I just explained to my wife that they could release her anytime regardless of the signatures or not. Do you think the company can hold her to the signatures and deny her of post employment entitlements? Entirely depends upon the state laws in WI and their policy. What they can do is withhold them p...
by pyld76
Sun May 06, 2018 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 19193

Re: Ed. Jones rep didn't like our plan, now we're locked out

OP: it is just a bit difficult to discern this from the thread: are your parents going to leave their IRAs and CD ladder at EJ? I ask this because you'd be far better served simply getting all the assets moved out (and Schwab can do this for you) and then running the FINRA and SEC complaints against...
by pyld76
Sun May 06, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 96
Views: 11587

Re: Warning: avoid Windows 10 update 1803

I never decline updates. If they break something next update would fix it. Keep your backups upto date and always update on time. Every update makes your PC stronger and more secure, in general. 19 years in IT and counting... I only run Windows 10 Pro or better, and then only in VMs, and only then ...
by pyld76
Thu Mar 01, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 9041

Re: Physical cash

Less than 20 on me at any given time. There might be 200-300 in the house in a couple of safes. I don't live in a disaster prone area. If something did happen to where cash was a problem for more than the week's worth of water and shelf stable food in the house, the guns in the safe are going to be ...
by pyld76
Sun Dec 31, 2017 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard’s advisors
Replies: 72
Views: 9344

Re: Using Vanguard’s advisors

So, the “we don’t do tax advice” stuff is a problem. I intended to have DW go to PAS if I’m hit by a bus. I suppose now I’ll have to seek a local RIA of decent repute as the fallback plan, assuming such a person exists. I think the AA and “not letting you harm yourself in a downtown”stuff might be w...
by pyld76
Wed Oct 18, 2017 2:51 pm
Forum: Investing - Theory, News & General
Topic: Written transactions in brokerage accounts basically going away
Replies: 4
Views: 856

Written transactions in brokerage accounts basically going away

Mods--if this was posted already, I apologize. Got the following e-mail today. This could make tax-loss harvesting harder and a few other use cases (I believe that's when I used a written instruction to them in my brokerage/taxable account). Recall you used to be able to go "around" the 60 then 30-d...
by pyld76
Tue Jul 18, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 175
Views: 26108

Re: Vanguard 403b Changes

It's even more specific than that. I was only talking about public k-12, not all nonErisa 403b market. TIAA is getting out, and I speculate that Vanguard may be trying a different approach to getting in the non erisa market, especially k12. Vanguard knows that the 4 million public k-12 employees ar...
by pyld76
Sun Jul 16, 2017 9:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 175
Views: 26108

Re: Vanguard 403b Changes

Reality is this stuff (401k/403b admin/record-keeping) does cost money. Most of the time, you just don't know the costs being covered by the employer. (For our 401K, it's about $100 per employee.) The 403b structure itself seems a wacky in that record-keeping is separated out amongst the different ...
by pyld76
Sat Jul 15, 2017 10:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 175
Views: 26108

Re: Vanguard 403b Changes

Vanguard sickened me with these 403b changes. I have $1.4 million directly with the company and another $400,000 invested in Wellington through the NYS Deferred Compensation Plan and I would love to withdraw it all from Vanguard after these changes. I received the letter today announcing the $5 mon...
by pyld76
Thu Mar 23, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 10601

Re: Citi card Nightmare

May I suggest that you put the card away, call and find out what you owe today, cut thema check for that amount, mail,it, and call Citi to cancel once the check clears?
by pyld76
Tue Mar 21, 2017 8:31 pm
Forum: Investing - Theory, News & General
Topic: Sitting down with Fidelity advisor next week
Replies: 22
Views: 3495

Re: Sitting down with Fidelity advisor next week

I think the answer to your questions can mostly be answered (implicitly or explicitly) from Fidelity Retirement Analysis that is available online. I think the advisor will probably just run the program on his computer and show you the result. Have you tried it? This is exactly what happened with th...
by pyld76
Mon Mar 20, 2017 11:51 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 71
Views: 13959

Re: A SUV for towing a Travel Trailer

What was your (bad, I assume) towing with a unibody vehicle? I towed several trailers with unibody vehicles, and while I wouldn't have towed the rated maximum 7000lbs, I wouldn't hesitate to tow 4000lbs with them, at least not a reasonably aerodynamic 4000lbs like the trailer in question. I would h...
by pyld76
Mon Mar 20, 2017 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another mega backdoor rollover question
Replies: 8
Views: 779

Re: Yet another mega backdoor rollover question

So, my Megacorp 401k has an after tax component, but no Roth component. Based on my reading of my plan's docs, even if they won't take a direct rollover into the pre-tax IRA of post-tax subaccount earnings, I'll bet the mechanics of actually doing it (over to a tIRA, back into the 401k) might be ach...
by pyld76
Mon Mar 20, 2017 10:16 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 71
Views: 13959

Re: A SUV for towing a Travel Trailer

You don't want to tow 3k plus pounds with a unibody vehicle. Get the 4Runner.

Reliable, good on and off-road. Will run forever if properly maintained.
by pyld76
Mon Mar 20, 2017 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 6870

Re: Fidelity vs. Vangard?

... I suppose the risk with Fido is that someday they reverse course, and costs creep up again. Particularly in taxable, you'd be hosed. ... Can that risk not be mitigated with ETFs, those being portable with in-kind transfers? Sure, but that presupposes you want to use ETFs. All things being equal...
by pyld76
Mon Mar 20, 2017 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another mega backdoor rollover question
Replies: 8
Views: 779

Re: Yet another mega backdoor rollover question

The after tax sub account can generally utilize a split rollover per Notice 2014-54 in which the contributions go to the Roth IRA and any earnings to your TIRA. Now that some plans want to retain 401k assets and IRRs are becoming more commonplace, I wonder how many plans offer the option of using N...
by pyld76
Mon Mar 20, 2017 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 6870

Re: Fidelity vs. Vangard?

I have both. Fido's frontline support at a sub-1mm portfolio level is better. By a lot. Philosophically, I prefer VG every time. I own the fund, fund owns VG, they don't have the impetus to screw me, etc. Fidelity operates like a business that is trying to keep people happy, not only give them the l...
by pyld76
Mon Mar 20, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 17232

Re: Paying $20 to E-File State Return

When it was free to e-file with TT, I did so.

When it stopped being free, I didn't. Particularly because I invariably owe PA money. They can work for it, and I know they got the return when the check clears.
by pyld76
Mon Mar 20, 2017 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Keep Financial Advisor or move to 3 Fund Portfolio?
Replies: 48
Views: 5395

Re: Keep Financial Advisor or move to 3 Fund Portfolio?

1. Dump financial advisor. 2. Read "If You Can" https://www.etf.com/docs/IfYouCan.pdf . 3. Read all the "homework" it assigns. 4. Come back here and browse the Wiki to fill in the gaps. I just read that and it looked like toward the end he had investing as 1) 401k up to the match 2) Roth 3) Taxable...
by pyld76
Mon Mar 20, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 58
Views: 13414

Re: Moving from Vanguard to Fidelity (probably)

I have accounts at both VG and Fido, largely because the latter are the custodian for my 401k and HSA (over which I have zero choice). There is nothing stopping you from keeping accounts in both places, particularly if you are doing Fido for the credit card and the cash management as your primary go...
by pyld76
Wed Mar 15, 2017 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 66
Views: 10366

Re: What Do You Keep In Your Bank Safe Deposit Box?

Safety deposit boxes seem so twentieth-century. You can get new copies of all the most important documents, and digital redundancy is better achieved through local backups and multiple cloud backups. Multiple cloud backups of terabytes of data are not economically bogle-ish. It's cheaper in both ba...
by pyld76
Tue Mar 14, 2017 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 12242

Re: Do you avoid international investing like Jack Bogle?

I believe Mr. Bogle has said something to the effect of "if you must, no more than 20% international." I must, but I work for a non-US megacorp. So, I stick to 20% and take my international risk/exposure in my job. If I didn't have the job exposure, I'd be tempted to up things to 30%. But not a lot ...
by pyld76
Mon Mar 13, 2017 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Putting Savings in Perspective
Replies: 54
Views: 5679

Re: Putting Savings in Perspective

mhalley wrote:You might review mmm post on savings rate and early retirement.

http://www.mrmoneymustache.com/2012/01/ ... etirement/
Well, or you might not. He assumes a 4% SWR and a 5% real return to come up with those numbers.
by pyld76
Mon Mar 13, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 66
Views: 10366

Re: What Do You Keep In Your Bank Safe Deposit Box?

Here's a question: suppose that, hypothetically, you use KeePass to store all your passwords, and you have a highly complex password for the KeePass database. Being highly complex, you can't memorize it, so you write it down. You use KeePass nearly every day, so storing the password in a relatively...
by pyld76
Sat Mar 11, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 16393

Re: What to do with all these passwords ?

Happy 1Password user here. Used to be a pwSafe/password safe user. The UI is better in 1Password and the ability to store TOTP 2FA codes is great. The windows UI is kind of weak.
by pyld76
Sat Mar 11, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Where to start - converting from generator/UPS to more reasonable solar / powerwall?
Replies: 70
Views: 7398

Re: Where to start - converting from generator/UPS to more reasonable solar / powerwall?

Some kind of phantom draw to the UPS perhaps? Is the neighbor's underground weed farm tapped into your power. That's a LOT of power being unaccounted for.... oooo. that's promising. I'll have to play with that. It's 15 year old tech. Probably not so efficient. I found the furnace was using an outda...
by pyld76
Thu Mar 09, 2017 11:42 pm
Forum: Forum Issues and Administration
Topic: What would happen if a hacker got a full database dump of the site?
Replies: 29
Views: 4230

Re: What would happen if a hacker got a full database dump of the site?

They are going to know how many financially saavy individuals use B0gl3h3@dz as their password, and be severely disappointed as a result.
by pyld76
Thu Mar 09, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Where to start - converting from generator/UPS to more reasonable solar / powerwall?
Replies: 70
Views: 7398

Re: Where to start - converting from generator/UPS to more reasonable solar / powerwall?

1. Find the vampire load. 2. Fix that genset. 3. If you want to be altruistic and green, you could do some solar, I suppose, but in your region you are going to need a ton of PV to push your house even in the summer. It will not be cheap. The battery (powerwall) required will be even less cheap, and...
by pyld76
Thu Mar 09, 2017 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor service, or 3 fund portfolio
Replies: 12
Views: 2698

Re: Vanguard Personal Advisor service, or 3 fund portfolio

Understood! Yes the knowledge gap is filled, I think I would be fine with a 3/4 fund portfolio and have the discipline to do so. Which four would you recommend for $500K? Spend some time looking at this URL https://www.bogleheads.org/wiki/Lazy_portfolios and ignore everything with >4 funds. Without...
by pyld76
Thu Mar 09, 2017 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: At what $ level should someone really start diversifiying?
Replies: 25
Views: 2838

Re: At what $ level should someone really start diversifiying?

Amount of money is one thing, temperament and aptitude is another. If ambivalent, uninterested, etc, use Target Date funds. If excited and really into eeking out all possible gains, get them into the mindset of manually diversifying / rebalancing as soon as minimums can be met in desired funds. Thi...
by pyld76
Thu Mar 09, 2017 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor Roth Question
Replies: 14
Views: 1594

Re: Mega Backdoor Roth Question

It is also possible to take a withdrawal or distribution and split it into two rollovers, one to a Roth IRA and the other to a regular IRA. This could allow you to convert your after-tax 401k contributions to Roth contributions in a Roth IRA, while avoiding current tax on the rest of your withdrawa...
by pyld76
Thu Mar 09, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor Roth Question
Replies: 14
Views: 1594

Re: Mega Backdoor Roth Question

What they are likely indicating is that, for whatever reason, they won't cut you two checks (one for the after-tax contributions for which you owe no tax, and one for the after tax earnings, for which you do owe tax). That may be a plan by plan thing. Fidelity has offered to cut me two checks (post ...
by pyld76
Thu Mar 09, 2017 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor service, or 3 fund portfolio
Replies: 12
Views: 2698

Re: Vanguard Personal Advisor service, or 3 fund portfolio

I would not have assets at VG that aren't under PAS if you choose to go that route. Ergo, either let the advisor help you create your asset allocation, or don't, but don't try to split the baby. It's possible that one or the other of you may make a move unexpectedly and upset the proverbial applecar...
by pyld76
Wed Mar 08, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard doesn't understand Mega-Backdoor
Replies: 55
Views: 8007

Re: Vanguard doesn't understand Mega-Backdoor

Enclosed you will find a check made out to Vanguard, FBO: Someone (me). This check represents an in-service withdrawal of after-tax monies from my workplace 401(k) qualified retirement plan administered by 401kadmingoeshere (this is a traditional 401k/thrift plan with an after-tax subaccount, not a...
by pyld76
Wed Mar 08, 2017 1:09 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard doesn't understand Mega-Backdoor
Replies: 55
Views: 8007

Re: Vanguard doesn't understand Mega-Backdoor

My wife's employer has a 401k plan that is great for the mega backdoor. We are trying to roll over into Vanguard, because her employer does not offer in-plan conversions. There are about $3000 in earnings, because it's taken a while for us to start the roll-over process. I don't really care if they...
by pyld76
Wed Mar 08, 2017 12:40 am
Forum: Personal Consumer Issues
Topic: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350
Replies: 25
Views: 3654

Re: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350

I still don't feel worthy when I drive it around and the windshield wipers come on automatically. :P Also it only had 79k miles on it and a perfect maintenance record, we also got a free year of maintenance included in the purchase and a 12k powertrain warrantee for free, and this is for a 2010! Di...
by pyld76
Sun Mar 05, 2017 10:17 pm
Forum: Investing - Theory, News & General
Topic: New Investor – Novice Jitters
Replies: 32
Views: 3280

Re: New Investor – Novice Jitters

Love that story! Minor point: it was the dividends, not the reinvestments, that had the tax drag. So, OP, either a balanced fund or PAS would be a way to help avoid messing things up. Yeah, I wasn't concise but you encapsulated the gist: the "right" thing to do isn't having a balanced or bond fund ...
by pyld76
Sun Mar 05, 2017 11:21 am
Forum: Investing - Theory, News & General
Topic: New Investor – Novice Jitters
Replies: 32
Views: 3280

Re: New Investor – Novice Jitters

If the majority of your market participation is in tax sheltered or tax deferred vehicles (401k/403b/457/tIRA/rIRA), buy yourself the VG life strategy fund that's 80% stock. Or the VG balanced fund Then don't open the statements for about a decade. This becomes harder to do if you have to have a sig...
by pyld76
Sat Mar 04, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 7714

Re: Camry Redesign

Ditto the bit about the second model year of a new car, much less one on a new platform, and then one which (according to Toyota itself) is a pretty radical departure from it's predecessor. I'd plan on giving the folks in Kentucky a year to figure out how to build it right.
by pyld76
Sat Mar 04, 2017 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell bond fund because FED's heads-up on rate increase?
Replies: 13
Views: 2714

Re: Should I sell bond fund because FED's heads-up on rate increase?

The bond market has already (to the extent possible) priced in the Fed information. This is a pretty classic AA decision, regardless of the rate environment. I've always figured that if the fund's duration is shorter than my anticipated holding period, I'm not particularly bothered by what the rate ...
by pyld76
Sat Mar 04, 2017 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: anybody had experience with AXA Advisors aka AXA Equitable?
Replies: 53
Views: 30239

Re: anybody had experience with AXA Advisors aka AXA Equitable?

Before DW was DW, the sales guy from AXA prowled the teacher's lunchroom at the local HS, selling their wares to the prey (teachers) in the local school. It was a complete scam. "index" funds with all-fees approaching 1%, 7 year surrender charge lockins, etc. It took us years to unwind her 403b full...
by pyld76
Sat Mar 04, 2017 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Keep Financial Advisor or move to 3 Fund Portfolio?
Replies: 48
Views: 5395

Re: Keep Financial Advisor or move to 3 Fund Portfolio?

1. Dump financial advisor. 2. Read "If You Can" https://www.etf.com/docs/IfYouCan.pdf . 3. Read all the "homework" it assigns. 4. Come back here and browse the Wiki to fill in the gaps. Immediately, moving to a three-funder with care taken for tax efficiency (place your bond allocation in your 401k ...
by pyld76
Tue Feb 28, 2017 10:08 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth: "Why ETFs Won't Replace Mutual Funds"
Replies: 45
Views: 4952

Re: Allan Roth: "Why ETFs Won't Replace Mutual Funds"

Seems to me that the "fractional share" advantage of mutual funds is a tiny marginal savings at best. It's more like fine-tuning or tweaking rather that being significant in any meaningful way. But the portability of ETF's is important. Hopefully it will never be an issue, but we can't predict the ...
by pyld76
Mon Feb 20, 2017 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: $50,000 to invest...How would you invest it in this market the Jack Bogle way!!!
Replies: 8
Views: 1994

Re: $50,000 to invest...How would you invest it in this market the Jack Bogle way!!!

Hi, I am 36 years old and I have about $50,000 to invest. My tax bracket is :39.6%. I always max out the 401k and Backdoor Roth IRA. I am a father of two kids under two and I have just started their 529 funds with $5000 each. I keep a simple three/four fund portfolio. These include VTSAX (total sto...