Bogleheads.org

mptfan wrote: ↑Sat Mar 18, 2023 10:36 am

JD2775 wrote: ↑Sat Mar 18, 2023 9:49 am I was on pace to hit my first million before 50 (just turned 48) but now not so sure. It definitely won't be due to a lack of trying on my end. Returns have just come to a halt the last ~15 months

Don't get discouraged, keep investing. Now is a good buying opportunity, more money is made during down markets than up markets, you just don't realize it at the time.

Years from now you will look back at S&P 500 at 3,916 with fond memories and wish you could go back and buy more at that level.

Last year I actually "doubled down" and was investing quite a bit more than I did previously, same with this year so far. Keeping my head down and plowing ahead! Eventually it will pay off

I was on pace to hit my first million before 50 (just turned 48) but now not so sure. It definitely won't be due to a lack of trying on my end. Returns have just come to a halt the last ~15 months

I do enjoy his Podcast, but Ritholtz likes to be "bros" with everyone he interviews it seems. I was not surprised at the lack of pointed/tough questions.

I have an odd, specific question...

I recently started the Lord of the Rings trilogy book, about 1200 pages

I don't think I want to read this book continuously though, and want to switch back and forth to it.

I have 2 other ~1200 page books in the queue, both by Stephen King, that I need to get to:

So, which of the following would pair better with LOTR?

The Stand
It

Not much love for Bitwarden in this thread....

As of December last year I had no password manager, re-used bad passwords all over my accounts and bad security practice in general. It wasn't until I read SoftwareGeek's post in this forum about protecting yourself, did it really open my eyes.

Now I have all unique/strong passwords for all my accounts, stored in Bitwarden and backed up in an encrypted folder. No complaints at all about them so far, but my needs are pretty simple. 1Password does have the better looking UI/UX it seems, but for what I need Bitwarden is fine.

I used the following Nolo books, all available through my local library, to create wills, a trust, advance health care directives, and powers of attorney: Every Californian's Guide To Estate Planning by Liza Hanks Estate Planning Basics by Denis Clifford Make Your Own Living Trust by Denis Clifford Living Wills & Powers of Attorney for California by Shae Irving It took many hours to read everything carefully and draft and review the documents. And that's what most d-i-y comes down to: most of us have to spend a lot of time researching/learning, etc. Which is why it always amazes me how so many Bogleheads have a full-time job, at least one "side hustle", repair and maintain their own vehicles, do their own taxes, build their o...

Interesting post/replies. I am guessing there are a LOT of Covid/post-Covid remote workers who travel around and never pay any attention to any of this and file their taxes like they normally would do in their home state.

Not to hijack this thread, but along these lines.... If I am a normal W2 employee who pays taxes once a year and I sell taxable assets with LTCG, let's say 10k in gains, in July of this year.....do I need to file estimated quarterly taxes for that, or can I just wait and add that to my yearly taxes that I submit for 2023 as a whole? $10k in gains means perhaps $1,500 or $1,880 in taxes depending on whether NIIT applies to you. You may end up being in the safe harbor, of owing less than $1,000 to Uncle Sam when all is said and done (since I am assuming, you will end up over-withholding from your regular job paychecks by at least $900). So there is no impact to you either way, well except for the lost interest on $1,500 or $1,880 over the ye...

Not to hijack this thread, but along these lines.... If I am a normal W2 employee who pays taxes once a year and I sell taxable assets with LTCG, let's say 10k in gains, in July of this year.....do I need to file estimated quarterly taxes for that, or can I just wait and add that to my yearly taxes that I submit for 2023 as a whole? $10k in gains means perhaps $1,500 or $1,880 in taxes depending on whether NIIT applies to you. You may end up being in the safe harbor, of owing less than $1,000 to Uncle Sam when all is said and done (since I am assuming, you will end up over-withholding from your regular job paychecks by at least $900). So there is no impact to you either way, well except for the lost interest on $1,500 or $1,880 over the ye...

Not to hijack this thread, but along these lines....

If I am a normal W2 employee who pays taxes once a year and I sell taxable assets with LTCG, let's say 10k in gains, in July of this year.....do I need to file estimated quarterly taxes for that, or can I just wait and add that to my yearly taxes that I submit for 2023 as a whole?

(I have yet to sell any of my taxable assets, so I am not sure how this works)

Late 40s here, max it yearly and have about ~35k in my HSA. I started to contribute to it about 6-7 years ago, wish I had done so sooner

Randyman wrote: ↑Mon Feb 13, 2023 5:43 pm

MillennialFinance19 wrote: ↑Mon Feb 13, 2023 5:30 pm Good advice here so far.

If you don’t mind, what are your degrees in?

It's a sports management degree, so something entirely useless.

*Hold my beer*

I have a Recreation Management degree, talk about useless.

I have been in tech/software engineering the last 12+ years though. I never used my degree at all, it was just something everyone else on the Golf Team was majoring in so I followed them. If I could go back years and years ago, I would have chosen something different.
Point is, there is a lot of different careers you can venture into. A lot of places just want to see you have some degree, doesn't matter what it's in.

I was at the 2011 Alpe D’Huez stage and the TT following day in Grenoble. The Alpe day was one of the funnest sporting days of my life. I took my family, we stayed in an apartment on the other side of the mountain (Villard Reculas). AM of race day I rode a borrowed bike (friend who lives in Europe) over to the Alpe at Huez village, rode down to Bourg D’Oisans, turned around and rode to the top. Scouted out a viewing spot on the ride up and after returning to our place, collected the family and walked back over and watched from Turn 6 just above Huez. The people watching , camaraderie with other fans from all over, the race caravan (basically a big rolling party), the actual race coming through was absolutely fantastic. Next day in Grenoble...

CardinalRule wrote: ↑Sat Feb 11, 2023 11:15 am The item entry screen from 1Password might provide some more ideas. I think that most of these have been mentioned, though.

Thanks, there's some good ideas from that list. I use Bitwarden so the interface isn't laid out like that at all. The options are more more generic (logins, secure notes, cards, identity...). That's basically it. You then create custom folders to store the individual entries tied to those "types".

Based on this thread and other similar threads, I purchased Darn Tough athletic socks and really like them. However, my wife tells me they create static electricity in the dryer which shocks her. She doesn't want me to buy any more pairs. I suggested that she use fabric softener sheets designed to reduce static electricity, but she says that she already uses them. A Google search suggests throwing aluminum balls into dryer. Do boglehead forum members have suggestions? I always hang dry my Darn Tough socks. The cpl times I have accidentally put them in the dryer they tend to shrink, temporarily. They stretch back out, but I think hang drying them is better for long term. That would surely work, but would be more trouble. I just made three a...

TheNightsToCome wrote: ↑Sat Feb 11, 2023 8:05 am Based on this thread and other similar threads, I purchased Darn Tough athletic socks and really like them.

However, my wife tells me they create static electricity in the dryer which shocks her. She doesn't want me to buy any more pairs.

I suggested that she use fabric softener sheets designed to reduce static electricity, but she says that she already uses them.

A Google search suggests throwing aluminum balls into dryer. Do boglehead forum members have suggestions?

I always hang dry my Darn Tough socks. The cpl times I have accidentally put them in the dryer they tend to shrink, temporarily. They stretch back out, but I think hang drying them is better for long term, and they usually dry overnight doing that method anyway.

SnakeEyes wrote: ↑Fri Feb 10, 2023 10:36 pm Along with each Credit Card number and log-in info, I keep a list of the places that automatically charge to each credit card (e.g. Amazon, FastPass, PayPal...).

When a card is replaced (due to fraud or whatever), I have a list of places to go update...

That's a good idea, Im going to add that to the notes section for each credit card.

Hi everyone, I have a question regarding my current situation and how to best approach it. My mother is in her 70's and although she is in good health, I am constantly worried about her future and how to best manage her financial accounts. To make matters even more complicated, my mother who is a US citizien currently resides in Asia and has multiple US bank and brokerage accounts which consists mostly of proceedings she received from her divorce. She does not intend to go back to the US anytime soon. Although not her native language, she speaks English and is able to navigate any discussion with her bank or brokerage but it is something I do not want her to worry or stress about. As I am her only child, she has given me full permission to...

I've used it to keep track of home alarm codes that have been given to people like contractors, maid service, dog sitters, etc. SSIDs and passwords on the home system -- could also be used for temporary guest codes if you use them. Driver's License numbers, Passports, Social Security, etc. If your vault allows storing files, you can add photos of those important documents ( in case your passport is stolen overseas, for example ). You can also store proof of payment for critical items if you want. I've kept the emails from Google that prove I have the original free version of Apps (now called Workspace) and that say I will never have to pay for it. If some site requires weird ways to do something important, make notes about how to do it. A ...

I've used it to keep track of home alarm codes that have been given to people like contractors, maid service, dog sitters, etc. SSIDs and passwords on the home system -- could also be used for temporary guest codes if you use them. Driver's License numbers, Passports, Social Security, etc. If your vault allows storing files, you can add photos of those important documents ( in case your passport is stolen overseas, for example ). You can also store proof of payment for critical items if you want. I've kept the emails from Google that prove I have the original free version of Apps (now called Workspace) and that say I will never have to pay for it. If some site requires weird ways to do something important, make notes about how to do it. A ...

Chuck wrote: ↑Fri Feb 10, 2023 1:38 pm same as everyone else, including:

Checking account routing/number for ACH
Frequent flyer IDs
Nonsense answers to security questions
Keypad lock codes
Cryptocurrency keys
Volume encryption keys (truecrypt, etc)
Gift card numbers
Medical insurance card info (group/policy/phone numbers)

Love the gift card numbers idea. I have a few of them sitting around that I haven't used. I can store the numbers, date and current balance on them. Good idea.

Gryphon wrote: ↑Fri Feb 10, 2023 1:29 pm Logins (username, password, secret Q&A)
Credit Cards
Software Licenses

Oooo software licenses. Good one. Adding to list.

Good ideas, keep them coming...

I have added my credit freeze pins and wifi info for multiple locations, after reading these. Didn't even think of those.

rholt wrote: ↑Fri Feb 10, 2023 12:47 pm Family SSNs
Family DL Numbers
Lockbox combinations
Family Global Entry numbers
Credit Freeze PINs
Other various PIN numbers
Secret Question Answers

I used to try to keep credit card info there - but I found it a hassle to keep that current.

Interesting. So you keep SSN's but not bank/investment account #'s? I am trying to figure out where to draw the line, as far as comfortability for me.

I store my credit cards info (I figure these would be the least of my worries, should I get "hacked"). I also have my passport info for when I am traveling as a back up, just in case.

I am not sure what else I can/should be keeping in there. Just wanted to see what others do....

Nicolas wrote: ↑Mon Feb 06, 2023 6:19 pm

JD2775 wrote: ↑Mon Feb 06, 2023 5:49 pm I highly suggest a master passphrase for your main Dashlane password, rather than a master password.

Applebee$ does NOT have Sushi on ESPN830# is much easier to remember than: 403ajsg^*G9w4yjagjGMIWKG89@#

I think for higher entropy the words in the passphrase should not be related, they should not form a sentence.

I have no trouble remembering my passphrase which is composed of unrelated words, they don’t make any sense when put together.

You're right. I tried to think of something off the top of my head, but unrelated words are a better approach (ones that you would know but no one else would, obviously).

I highly suggest a master passphrase for your main Dashlane password, rather than a master password.

Applebee$ does NOT have Sushi on ESPN830# is much easier to remember than: 403ajsg^*G9w4yjagjGMIWKG89@#

rockstar wrote: ↑Sun Jan 29, 2023 9:23 pm

nisiprius wrote: ↑Sat Jan 28, 2023 4:34 pm

rockstar wrote: ↑Fri Jan 27, 2023 11:39 am Latest revision of LOTRs.

What?

Ah. With Tolkien's own illustrations.

So, what did you think?

It's a thousand pages long. I'm still reading it. I'm reading the one volume version.

Here's the wiki page on revisions:

https://en.wikipedia.org/wiki/The_Lord_of_the_Rings

I snagged up that one volume version for 4.99 on kindle a week or 2 ago. Yet to be read, looking forward to it though!

Good reminder to be careful of which link you are accessing for your password manager. Bitwarden example below...

https://www.ghacks.net/2023/01/30/bitwa ... on-google/

My company does this, same numbers and everything (6% match plus 3% additional). The 3% used to be added 1x a month into our 401k, but they changed it a cpl years ago and is only paid out as a lump sum into the 401k in March of the following year. Probably as an incentive to get ppl to stay, or maybe its more tax efficient for them, not sure.

I'm expecting to come into a small windfall in mid March, approximately 15% of my investable net worth. If we were still in the October-December bear territory 3600-3900 SPY , I'd be comfortable lump suming in. Right now we are still 15% from all time highs, but by mid March we may get to 4200 or higher, which I would NOT be comfortable lump summing in with underlying market fundamentals. And when it gets to 5000, you'll be kicking yourself for sitting on the sidelines... Well if I invest at 4500 and it crashes to 3200 I'd be livid. If I put in at 3700 and it crashes to 3200, it would suck much less. In general the market does go up over time, but fundamentals & earnings seem decoupled from recent market behavior. I do not understand t...

This I why I don't use password managers... just another thing that could be hacked. I use a good old fashioned notebook where my passwords are written down in my terrible handwriting that no-one else can read. This may be heresy to some here but it works for me! It's not just about passwords and having access - it is about having complicated - hard to figure out/hack passwords (even usernames - I use LP for Username and PW) - and different passwords for all your accounts - and having a system that detects bad passwords and breaches (ex darkweb password leaks.) A Password Manager is an essential piece for strong security - no Security Expert will deny this. I happen to agree with Pete12. I don't use a password manager. And life is good. (I...

At most companies, you aren't going to get strong every year, as there is a quota on ratings. Higher level ratings get rotated around to make things fair and keep the peace. Performance reviews are mostly theater. Adjust your effort accordingly. As others stated, only be concerned with negative ratings. ^ This, exactly. I had literally 0 areas for improvement for this review, and a laundry list of positive feedback from my co-workers. Everything was "fantastic, and a great year" according to my manager. I ended up with Consistent (using the OP's ratings) rating. Meh. Cpl years ago I had Strong or Exceptional equivalent, I was no better than than I am now. They rotate them around to keep the peace because they are limited. I don't...

Lots of good information here....

So for my limited knowledge in this area, is the following a safe assumption?

If you have a very strong master password (in Bitwarden, 1Password etc..) and a high key iteration set, even cloud based, the likelihood of someone accessing info in your vault is far less than if someone "hacked" the individual sites you are associated with themselves? For example Bank of America, SSA, Amazon...., even with strong passwords, could depend entirely on their individual security practices around password protection?

Well, if the LastPass breach did not make you question changing password managers maybe this will. Headline "GoTo says hackers stole customers' backups and encryption key" https://www.bleepingcomputer.com/news/security/goto-says-hackers-stole-customers-backups-and-encryption-key/ Every time I read one of those I wonder when will Bitwarden or 1Password be next.. It should be noted that the encryption key stolen from GoTo was the storage encryption key created by GoTo, not the individual password locker encryption keys derived from the master password. There are layers of encryption in this particular case and the attackers have only stolen the key to the outer layer. And yes, this is a risk for any cloud-based password locker comp...

StrongMBS wrote: ↑Tue Jan 24, 2023 9:23 pm Well, if the LastPass breach did not make you question changing password managers maybe this will.
Headline "GoTo says hackers stole customers' backups and encryption key"

https://www.bleepingcomputer.com/news/s ... ption-key/

Every time I read one of those I wonder when will Bitwarden or 1Password be next..

Sandtrap wrote: ↑Mon Jan 23, 2023 1:40 pm Legendary Toyota Tacoma with V6 platform, 4wd.?

j

Love my 2013 V6. Certainly not good on gas but aside from that it suits my needs perfectly. If I drove a LOT I probably would look at something different, but I don't.

This is part of the reason I don't buy many ebooks (and none that I care to own long-term). I still buy physical versions of those books that are important to me. If it's something that I don't think I'll want to have on my shelf forever, or I want to travel with easier, or some other reason an ebook makes sense, I use the public library and Libby. Me too. I get most of my ebooks from the public library, via Libby. I only buy Kindle books if I REALLY want to read them, and if I can't find them anywhere else. I usually just read these purchased Kindle books once, and count the cost as an entertainment cost, like the cost of watching a movie. Same, but even better if you buy them for $1.99-$2.99 via eReaderIQ sales alerts. I don't buy may eb...

Sorry Bertilak if this is considered a hijack but I have a usage issue I cannot resolve and thought I would ask it here. I have been using the extension with no issues at all. However, the iPad app is basically useless. 1. I open the app and login in to Bitwarden (BW) with 2fa. 2. I then go and launch a site using the BW app and it will load 3. I have the iPad IOS Password settings to autofill, BW is checked, and nothing else is active 4. The "password" bar loads at the bottom of the screen. 5. When I hit the password bar to load, it asks me to go through the BW full login process again, including 2fa, before it will fill. Every time, every site. So bottom line is I have to log in to BW every time I want to autofill a password. I...

I only "own" < 10 books on my Kindle (I always rent from the library) but now this post has me paranoid. Maybe I should look into Calibre (figure out exactly what that is first) or at the very least download the files to my Mac.

I have the same paranoia with movies/TV Shows I have purchased through iTunes. I ended up backing up all of those files on a external drive

- 1Password which only allows around 100,000 iterations (can't increase) has a secret key, and is apparently more family friendly). I would have thought I could have increased the iterations to over 300,000 and feel a bit skittish after reading what happened to LastPass users. I've also read it keeps less personal info. Is 1Password secure even though it only uses about 100,000 iterations? Is it any more secure than Bitwarden? - Bitwarden. With this product I can increase the iterations, it seems as secure as 1Password, though no secret password and apparently collects more personal info. However I read today that Bitwarden has just acquired Passwordless.dev and I find myself a little concerned that that Bitwarden may possibly chase ROI an...

I recently received a 35k inheritance. 5k would be for emergencies. 30k would be for travel . A little background information. I am 57 and my wife is 60. We would both probably retire at the age of 65. We've never made a large annual salary, an average of 30-40k combined. We are used to living on a shoestring budget and we do not have any debt. I'm reading "The Bogleheads Guide to Investing" and watched some videos linked to this site. These resources have made it easier to understand investing, but it's still a lot of information and doesn't all address our specific goals. We're not afraid to live frugally. We've never had the income to travel. Just from what I've learned, I know I don't want the money sitting in my bank savings...

If Bitwarden claims it would take "centuries" to crack a given password here: https://bitwarden.com/password-strength/ , is it safe to assume that password would NOT be a part of any rainbow table? No, not at all. It can certainly be a part of a rainbow table. The "x centuries to crack" calculation is based on length and complexity. Choosing a password by typing every key on your keyboard in sequence (!@#$%^&*()_+QWERTY...) will yield a "centuries" password since it is long and complex, but I'm sure such a sequential password's hash is in a rainbow table. Rainbow tables are used to bypass brute-force attempts which would take centuries. Got it. It's my understanding if specific institutions (Google, Vangua...

If Bitwarden claims it would take "centuries" to crack a given password here: https://bitwarden.com/password-strength/, is it safe to assume that password would NOT be a part of any rainbow table?

billthecat wrote: ↑Wed Jan 18, 2023 11:07 am The pencil at the bottom of the note is to markup the note.

Tap on the PDF to open it, then tap on the share icon in the upper right, then select markup. You will then see tools at the bottom to markup the PDF.

Ah, perfect. Just what I was looking for. Thank you!

I have scanned some sheets of paper into a document via iPhone Notes. When I open the document in Notes, at the bottom I see the pencil icon and when I click on that I see all the options (pen, highlighter, eraser etc...), but when I click on the pen and try and draw over some text on the scanned document it doesn't do anything. Is there a way to do this within Notes itself before sending off the .pdf? Or do I need some other app in order to black out some of the text?

I recently finished 2 Stephen King novels: The Shining & Misery. Both were very good but both quite a bit different than the movie versions. The Shining more psychological and Misery more “brutal” (for a lack of a better word) IMO
I’m following those up with Under the Banner of Heaven by Jon Krakauer. It’s decent/interesting but somewhat slow. Reads more like a history novel.

em4772193 wrote: ↑Sat Jan 14, 2023 3:33 pm Have you considered engaging Vanguard Personal Advisor Services (PAS)?
Best.
Tony

...


I think most in here would stay far away from that advice. I know I would.

Why's that?

Vulcan wrote: ↑Sat Jan 14, 2023 6:03 pm

lawilli5 wrote: ↑Sat Jan 14, 2023 8:12 am My wife and I are currently make a combined salary of $230K per year. We also earn around an extra $10K per year in bonuses. It is my understanding that we are over the income limit to contribute to a deductible IRA or Roth IRA.

2023 MAGI limit for full Roth IRA contribution is $218K.

https://www.schwab.com/ira/roth-ira/contribution-limits

After you both max out your 401(k)s/HSAs you should still be under that.

^ This. I was about to say the same

NewbieBogle007 wrote: ↑Sat Jan 14, 2023 5:29 pm

JD2775 wrote: ↑Sat Jan 14, 2023 5:28 pm

NewbieBogle007 wrote: ↑Sat Jan 14, 2023 4:52 pm

anon_investor wrote: ↑Sat Jan 14, 2023 4:50 pm

JD2775 wrote: ↑Sat Jan 14, 2023 4:18 pm

Thanks, I just did this. Good idea. Now I have it backed up in a locked Apple Notes, and on an old phone. I think Im good

I just started using Microsoft Authenticator instead. Has option for a cloud back up.

I like the old phone idea... but storing on Apple notes? That might get synced to the cloud!

I made it a password protected note. Hopefully that helps

Still in the cloud?

Yes

EDIT: Ok, I just removed it from Notes. Stored the picture in an encrypted folder on my laptop. Now its backed up there and on my old phone