Search found 490 matches

by billthecat
Sun May 31, 2020 11:17 am
Forum: Personal Finance (Not Investing)
Topic: password breach & threatening email
Replies: 14
Views: 1555

Re: password breach & threatening email

Honestly the worst part of these emails is seeing what awful passwords one used, in the early days in my case. Shame! This is because usually (but not always) the password database that's stolen from a site is encrypted and they have to unencrypt the individual passwords, which is extremely easy for...
by billthecat
Sun May 31, 2020 12:45 am
Forum: Personal Investments
Topic: How do you keep track your investments?
Replies: 48
Views: 2985

Re: How do you keep track your investments?

Hello, Our investments are primarily at Fidelity and Vanguard. I mostly have index funds but they are not simplified to a 3-fund portfolio. Say at any time, I have about a dozen or so funds and a few stocks. I want one single place to analyze the combined investment portfolio. To use the Portfolio ...
by billthecat
Fri May 29, 2020 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is Capital One 360 bank account OK?
Replies: 33
Views: 1734

Re: Is Capital One 360 bank account OK?

I believe the $450 bonus for existing customers was discussed here: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=313277 Thanks for sharing. This answered my question... my specific circumstances exclude me. What a needle to have threaded. Not for HYSA existing customers if this is the offer...
by billthecat
Mon May 25, 2020 8:15 pm
Forum: Investing - Theory, News & General
Topic: Do you hold commodities?
Replies: 26
Views: 1624

Re: Do you hold commodities?

I don’t now but at one time I had some money in a range of commodity ETFs.

Of course, I started out with a lot of money in commodities... :oops:
by billthecat
Sat May 23, 2020 7:01 pm
Forum: Investing - Theory, News & General
Topic: Do you keep moving your cash around chasing yield?
Replies: 56
Views: 5346

Re: Do you keep moving your cash around chasing yield?

No, but I do move it around chasing bank bonuses. That pays more than the disinterest rate. Well, after moving a large chunk of cash to Marcus, they immediately dropped the rate (and almost everyone else too). The Capital One up to $500 bonus caught my attention, so I'm moving money there to take a...
by billthecat
Sat May 23, 2020 6:43 pm
Forum: Investing - Theory, News & General
Topic: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?
Replies: 59
Views: 2888

Re: Portfolios: 1 Fund, 2 Fund, 3 Fund or 4 Fund?

I've kind of meandered around but I've settled on two-fund. That's total US stock and total US bond, and some cash. I do have different allocations depending on the account, so I still have that complexity going on, but it's not too bad. Traditional 401K space is 100% total bond. In theory, this wil...
by billthecat
Sun May 17, 2020 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Does Delaying Social Security Deliver an 8% Return?
Replies: 92
Views: 7447

Re: Does Delaying Social Security Deliver an 8% Return?

It seems like if this is really true, it would create a great arbitrage opportunity. Retiree turns 62--financial institution pays them each month what they would have gotten from SS, plus say 4%. Then if and when the retiree turns 70, they receive the higher SS payments and pay the financial instit...
by billthecat
Sat May 16, 2020 4:17 pm
Forum: Investing - Theory, News & General
Topic: I-Orp U-shaped spending model?
Replies: 2
Views: 272

Re: I-Orp U-shaped spending model?

I can't get I-Orp to produce a U-shaped spending model, where you spend a lot early on (when you're young-ish and can enjoy), then less (when the adventuring slows down), then more (due to additional care needed). No matter what I select, the Real Withdrawal Report shows a steadily declining Dispos...
by billthecat
Sat May 16, 2020 12:26 pm
Forum: Investing - Theory, News & General
Topic: I-Orp U-shaped spending model?
Replies: 2
Views: 272

I-Orp U-shaped spending model?

I can't get I-Orp to produce a U-shaped spending model, where you spend a lot early on (when you're young-ish and can enjoy), then less (when the adventuring slows down), then more (due to additional care needed). No matter what I select, the Real Withdrawal Report shows a steadily declining Disposa...
by billthecat
Sat May 16, 2020 10:54 am
Forum: Personal Consumer Issues
Topic: Password vault or generator?
Replies: 83
Views: 4554

Re: Password vault or generator?

Not to hijack this thread, but in the several "password vault / generator" threads that I've read here I do not see a lot of discussion about Keychain. I am not very sophisticated in this area, and I wonder if I am exposed by (only?) using Keychain on my iOS devices (Mac mini 2018 and iPhone 10s)? ...
by billthecat
Wed May 13, 2020 11:54 pm
Forum: Personal Investments
Topic: Selling rental property - Has any used an iBuyer or Virtual Agent?
Replies: 24
Views: 1186

Re: Selling rental property - Has any used a Virtual Agent?

Lowlim wrote:
Wed May 13, 2020 10:16 pm
bump

Anyone use Savvylane's Virtual Agent or anything similar to list and sell real estate?
I haven’t but the 1% is just for the selling agent, right? Meaning you would still have to pay 2.5% or so to the buying agent?
by billthecat
Wed May 13, 2020 11:40 pm
Forum: Personal Investments
Topic: Should we sell our rental?
Replies: 31
Views: 2191

Re: Should we sell our rental?

alx wrote:
Wed May 13, 2020 11:38 pm
I’m also tired of it and wouldn't mind simplifying life.

Would you sell?
Yes
by billthecat
Wed May 13, 2020 12:20 am
Forum: Personal Investments
Topic: Workplace 401K allocation
Replies: 38
Views: 1504

Re: Workplace 401K allocation

Why would you prioritize this over a Roth IRA? I definitely couldn’t swing that kind of investment regardless, but I would be curious to hear your reasoning as I very much prefer Roth accounts to normal pre-tax retirement accounts. I don’t know if I’m correct, I just love the idea of being able to ...
by billthecat
Sun May 10, 2020 7:08 pm
Forum: Personal Investments
Topic: Portfolio review! A Betterment to Vanguard switcher with mostly taxable.
Replies: 19
Views: 2193

Re: Simplifying a portfolio in this downturn?

Thanks all! Do you need bonds in your taxable account? Could you put taxable bonds in your 401k/IRA and maintain your asset allocation? I've only briefly had work-affiliated 401ks, so my portfolio is heavily tilted toward taxable - ~1M taxable, ~40k in a Trad IRA, and ~60k in a Roth IRA. The Roth i...
by billthecat
Sun May 10, 2020 12:15 pm
Forum: Personal Investments
Topic: Spreadsheets on drawdown/withdrawal strategies
Replies: 6
Views: 485

Re: Spreadsheets on drawdown/withdrawal strategies

Have you checked out the models at cfiresim.com, alistair-marshall.github.io/cFIREsim-open/, and i-orp.com? They offer a multitude of models to choose from (with explanations), and I-orp.com recommends which accounts to draw from.
by billthecat
Sat May 09, 2020 10:24 am
Forum: Investing - Theory, News & General
Topic: Time Horizon
Replies: 8
Views: 568

Re: Time Horizon

I want to know what people mean by time horizon as well. It's one thing when measuring time to a specific event, like buying a house, or an event spread over a short time, like paying for college. But what is one's time horizon when you're talking about paying for retirement? If you retire in 5 year...
by billthecat
Fri May 08, 2020 11:31 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20135

Re: What are you doing for haircuts due to coronavirus shutdown?

whereskyle wrote:
Thu May 07, 2020 10:42 am
Nothing. Growing it out! It's like college all over again!
Yeah except it’s not growing out the top!
by billthecat
Thu May 07, 2020 4:31 pm
Forum: Investing - Theory, News & General
Topic: A bond rule of thumb better than "age in bonds"
Replies: 152
Views: 10396

Re: A bond rule of thumb better than "age in bonds"

Why not just use one of the many brokerage asset allocation questionnaires, like this one or this one , to determine your appropriate allocation? Those have the advantage of factoring when you plan to start drawing from your savings (if, for example, you retire early because you just can't take it a...
by billthecat
Wed May 06, 2020 10:13 pm
Forum: Investing - Theory, News & General
Topic: Total market or S&P 500?
Replies: 44
Views: 3593

Re: Total market or S&P 500?

I am currently in S&P500, having switched from TSM in a recent TLH exercise. I will switch back if TLH looks like good plan in the future. Bogleheads: I held Vanguard Total Stock Market for many years and accumulated significant capital gains. In one of the bear markets I harvested a tax loss by se...
by billthecat
Wed May 06, 2020 2:13 pm
Forum: Investing - Theory, News & General
Topic: Total market or S&P 500?
Replies: 44
Views: 3593

Total market or S&P 500?

When I google the comparison, articles seem to say total market is better because of the greater diversification and also average annual returns. But when I compare VOO and VTI on portfoliovisualizer.com, it seems that VOO provides better average annual returns with lower volatility. Right now, my e...
by billthecat
Fri May 01, 2020 9:44 pm
Forum: Investing - Theory, News & General
Topic: Do you keep moving your cash around chasing yield?
Replies: 56
Views: 5346

Re: Do you keep moving your cash around chasing yield?

whodidntante wrote:
Fri May 01, 2020 9:42 pm
No, but I do move it around chasing bank bonuses. That pays more than the disinterest rate.
Yeah I saw your other recent comment about that. It's seems like more work (but more payoff), like you have to meet certain qualifications, like direct deposits, etc.
by billthecat
Fri May 01, 2020 9:40 pm
Forum: Investing - Theory, News & General
Topic: Do you keep moving your cash around chasing yield?
Replies: 56
Views: 5346

Do you keep moving your cash around chasing yield?

Right now my cash, both my "emergency fund" (2 years spending) and cash portion of my portfolio (5%), are in a money market yielding 0.52%. Checking Bankrate (https://www.bankrate.com/banking/savings/rates/) I see that Comenity Direct gives 1.70%, or three times as much. I could see myself moving so...
by billthecat
Mon Apr 27, 2020 11:33 pm
Forum: Personal Investments
Topic: Late to the party, need guidance
Replies: 19
Views: 1896

Re: Late to the party, need guidance

I’m confused. Where is the “Temporarily embarrassed millionaire” part?
by billthecat
Sun Apr 26, 2020 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken For Mac
Replies: 20
Views: 1274

Re: Quicken For Mac

jajlrajrf wrote:
Sun Apr 26, 2020 11:25 pm
The short answer is "Use Gnucash, nothing else even comes close" if you're willing to do double-entry accounting for your personal finances.

If you're not, then Banktivity is probably closest to best-in-breed at the moment.
IGG Software (Banktivity) seems like a neat little software company.
by billthecat
Sat Apr 18, 2020 5:17 pm
Forum: Personal Consumer Issues
Topic: 2 iPhone rotation
Replies: 16
Views: 1097

Re: 2 iPhone rotation

Or you could just sign up for Apple's iPhone Upgrade Program and get a new phone every year.

https://www.apple.com/shop/iphone/iphon ... de-program
by billthecat
Tue Apr 14, 2020 11:56 pm
Forum: Investing - Theory, News & General
Topic: Cons of i bonds?
Replies: 70
Views: 6176

Re: Cons of i bonds?

If you set up a revocable trust (easy), you can buy $25K/year. - $10K in your personal account - $10K in your trust account - $5K in tax rebate (just overpay your taxes before you file your return) This is what I have been doing. How does the trust part work? Create a revocable living trust Open an...
by billthecat
Mon Apr 13, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: Switching from Android to iPhone
Replies: 11
Views: 989

Re: Switching from Android to iPhone

Move from Android to iPhone, iPad, or iPod touch

https://support.apple.com/en-us/HT201196
by billthecat
Sun Apr 12, 2020 6:43 pm
Forum: Investing - Theory, News & General
Topic: 2020 I Bonds: what's your plan?
Replies: 55
Views: 7442

Re: 2020 I Bonds: what's your plan?

If you plan to buy your max I Bond allocation, you should not buy I Bonds in January. The first time to consider buying is April, when you can get the same fixed rate but have more accurate guess as to likely fixed rate movement in May (based on TIPS yields as discussed in other threads). If it loo...
by billthecat
Sat Apr 11, 2020 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Just how easy is owning real estate if you have a property manager? (super easy, or just “less hard”)?
Replies: 51
Views: 4584

Re: Just how easy is owning real estate if you have a property manager? (super easy, or just relatively easy)?

Is owning a rental property managed by a property manager easy, or just “less hard” than being a landlord? Just less hard, and how much less depends on the quality of the property manager, and your luck with tenants, the economy, termites, neighbors, local government, taxes, insurance, etc., etc. I...
by billthecat
Wed Apr 08, 2020 11:32 pm
Forum: Investing - Theory, News & General
Topic: Hope you weren't born in 1960
Replies: 63
Views: 10672

Re: Hope you weren't born in 1960

I'm more worried about the first 10+years of my [less-income] work history dragging down my benefit, than a single year during my maximum earning period. Depends on where you are relative to the bends. Once you get past the second bend, contributing more adds very little to you benefits. See https:...
by billthecat
Tue Apr 07, 2020 11:20 pm
Forum: Investing - Theory, News & General
Topic: Hope you weren't born in 1960
Replies: 63
Views: 10672

Re: Hope you weren't born in 1960

I'm more worried about the first 10+years of my [less-income] work history dragging down my benefit, than a single year during my maximum earning period. Depends on where you are relative to the bends. Once you get past the second bend, contributing more adds very little to you benefits. See https:...
by billthecat
Tue Apr 07, 2020 11:15 pm
Forum: Investing - Theory, News & General
Topic: Hope you weren't born in 1960
Replies: 63
Views: 10672

Re: Hope you weren't born in 1960

Well one thing I learned from this is that a persons AIME is indexed not for inflation but rathe AWI. I always thought it was indexed for inflation.
by billthecat
Sat Apr 04, 2020 8:23 pm
Forum: Personal Investments
Topic: TLH of 6-figure loss?
Replies: 68
Views: 5023

Re: TLH of 6-figure loss?

I realized (harvested) losses back in 2008-2009 that were multiples of your projected loss. I still have not used up those losses completely and continue to harvest losses when they show up. The result has been that I have not had to pay any capital gains taxes for more than a decade despite sellin...
by billthecat
Mon Mar 30, 2020 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Help for Landlords in the Stimulus Bills?
Replies: 198
Views: 13411

Re: Help for Landlords in the Stimulus Bills?

Does your landlord insurance cover missed rent?
by billthecat
Mon Mar 30, 2020 1:03 am
Forum: Investing - Theory, News & General
Topic: Why use percentage AA with significant assets?
Replies: 109
Views: 5274

Re: Why use percentage AA with significant assets?

Why do investors with significant assets continue to use percentage based asset allocation? Wouldn't you want to start measuring risk in dollar terms or have a minimum amount of fixed measured in years of expenses? This is what I’ve started doing. I originally planned to have only six months of exp...
by billthecat
Sat Mar 21, 2020 6:05 pm
Forum: Personal Investments
Topic: Forgot to request $5,000 in I Bonds
Replies: 4
Views: 671

Forgot to request $5,000 in I Bonds

I had planned to request $5,000 of my refund in I Bonds, and completely forgot when I just efiled like 10 minutes ago. Is there anything I can do about it or am I SOL?
by billthecat
Thu Mar 19, 2020 9:35 pm
Forum: Non-US Investing
Topic: How will this market effect dividends?
Replies: 22
Views: 2120

Re: How will this market effect dividends?

I was wondering that too. The Schwab website gives a projection of the dividends to expect over the year, and over the last few weeks my projection has dropped significantly, about 30%. I’m not sure why.
by billthecat
Tue Mar 17, 2020 11:48 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55589

Re: How to get Toilet Paper ? seriously.

quantAndHold wrote:
Mon Mar 16, 2020 6:12 pm
Do you have a neighbor you can borrow some from?
Borrow?

But seriously, to the OP, your shower is right there. Just hop on the shower.
by billthecat
Wed Mar 11, 2020 3:02 pm
Forum: Investing - Theory, News & General
Topic: Any 50+ year olds buying?
Replies: 53
Views: 3864

Re: Any 50+ year olds buying?

I am 50+ and the recent selloff disrupted my 60/40 AA across all accounts, although not by a lot. On Friday I bought some equity, then on Monday I bought some more, to bring it in line with 60/40. Right now I’m at 59.97/40.03 (!), so just holding. Over the last couple of weeks I lost 300k+, which is...
by billthecat
Sun Mar 08, 2020 7:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18853
Views: 2635703

Re: U.S. stocks in free fall

Ramjet wrote:
Sun Mar 08, 2020 7:28 pm
guyinlaw wrote:
Sun Mar 08, 2020 7:24 pm
SP500 futures down 4.5%
Here we go
Sorry. It’s my fault. I bought on Friday.

And I’m despairing.
by billthecat
Wed Mar 04, 2020 12:02 pm
Forum: Investing - Theory, News & General
Topic: 2020 I Bonds: what's your plan?
Replies: 55
Views: 7442

Re: 2020 I Bonds: what's your plan?

If you plan to buy your max I Bond allocation, you should not buy I Bonds in January. The first time to consider buying is April, when you can get the same fixed rate but have more accurate guess as to likely fixed rate movement in May (based on TIPS yields as discussed in other threads). If it loo...
by billthecat
Sat Feb 22, 2020 7:37 pm
Forum: Investing - Theory, News & General
Topic: Early Retirement Now: Do Bonds Really Belong in Retirement Accounts?
Replies: 93
Views: 6524

Re: Early Retirement Now: Do Bonds Really Belong in Retirement Accounts?

I put bonds in my traditional 401K, US stock in my Roth accounts (Roth IRA, Roth 401K, HSA), and my taxable account has stock (US and international), bonds, and cash, all allocated so that overall across all accounts it's 60/40. My traditional 401K isn't large enough to hold my full bond allocation,...
by billthecat
Sun Feb 16, 2020 10:24 am
Forum: Personal Finance (Not Investing)
Topic: How to claim HSA investments on my taxes (Cali)
Replies: 21
Views: 1574

Re: How to claim HSA investments on my taxes (Cali)

in terms of interest/dividends received on treasury holdings in my HSA, how do I claim it properly on my taxes? You'll need to file Schedule CA with your California return. On line 1 (Part I, section A), you'll add your $6,000 HSA contribution (or whatever's shown on your W2). If you had interest o...
by billthecat
Sat Feb 15, 2020 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to claim HSA investments on my taxes (Cali)
Replies: 21
Views: 1574

Re: How to claim HSA investments on my taxes (Cali)

in terms of interest/dividends received on treasury holdings in my HSA, how do I claim it properly on my taxes? You'll need to file Schedule CA with your California return. On line 1 (Part I, section A), you'll add your $6,000 HSA contribution (or whatever's shown on your W2). If you had interest o...
by billthecat
Sun Feb 09, 2020 11:46 pm
Forum: Personal Consumer Issues
Topic: Using VirtualBox to Extend the Life of Win7 Computer
Replies: 10
Views: 1204

Re: Using VirtualBox to Extend the Life of Win7 Computer

VirtualBox is a type 2 hypervisor that emulates the guest OS functions within the host OS, which is slower than type 1 hypervisors such as Hyper-V and KVM. You can try it out and if it is too slow of you, you can try something else. It is Type 2, but so are VMware Workstation, VMware Player, Virtua...
by billthecat
Sun Feb 02, 2020 12:29 am
Forum: Personal Consumer Issues
Topic: Accounting software for Mac
Replies: 42
Views: 3743

Re: Accounting software for Mac

psy1 wrote:
Wed Jan 29, 2020 8:17 pm
Perhaps using Parallels or similar in order to run Windows and Windows compatible software on the Mac?
Virtual Box - free, open source. And so also clunky but it works.
by billthecat
Sat Feb 01, 2020 2:57 pm
Forum: Personal Investments
Topic: 3 Bucket Strategy
Replies: 33
Views: 3024

Re: 3 Bucket Strategy

My plan is to maintain a 60/40 portfolio across all accounts until I retire. And at retirement, sell my house, and use the equity as a bond tent. Spend down the bond tent, while converting my traditional 401k (bonds) to Roth 401k (equity), over 4-5 years, bringing me back to 60/40 (all prior to soci...
by billthecat
Wed Jan 29, 2020 12:33 am
Forum: Personal Consumer Issues
Topic: Accounting software for Mac
Replies: 42
Views: 3743

Re: Accounting software for Mac

Is quickbooks the only accounting software that offers classes, to separate transactions by line of business, location, etc.? I would be surprised if it is but I have not seen other accounting software with that, which baffles me. Maybe they have it but handle it so differently that I’m just not rec...
by billthecat
Sat Jan 18, 2020 8:21 am
Forum: Non-US Investing
Topic: Favorite country to live in after FIRE?
Replies: 191
Views: 18718

Re: Favorite country to live in after FIRE?

I'm originally from non-EU Europe, have been living in Chile for the last 5 years and plan to stay here. I also lived for a while in Thailand and the US plus visited some rich EU countries as a tourist. Chile is not cheap but US$2,000/mo will provide a good life for a relatively frugal couple. The ...