Search found 152 matches

by Gadget
Thu Aug 16, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Solutions for Printing from a Chromebook
Replies: 16
Views: 1366

Re: Solutions for Printing from a Chromebook

I'm confused. It sounds like you have a Brother Google ready cloud capable printer. That's what I have. I set it up with Google Cloud print and I can print from any chrome window or android phone. It's worked flawlessly for me. I'm on a Chromebook right now on a business trip yet I can still print t...
by Gadget
Sat Aug 11, 2018 7:36 pm
Forum: Investing - Theory, News & General
Topic: Average Investor Return Chart
Replies: 10
Views: 1330

Re: Average Investor Return Chart

Isn't the average investor someone who lets a financial advisor control their assets? Maybe that's why the "average" investor's return is so poor. They're losing all their return to AUM fees.
by Gadget
Fri Jul 27, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Can a year-end true-up employer match exceed the 401(k) maximum contribution, in which case the employee would past[...]
Replies: 8
Views: 1022

Re: Can a year-end true-up employer match exceed the 401(k) maximum contribution, in which case the employee would past[

My company 401k will place excess true up contributions above the 401k limit of 55k in a non qualified account. They handle ensuring that it does not breach the limit. If that is what you're asking. I'm guessing they aren't required to place excess funds in a non qualified plan and it's just a great...
by Gadget
Fri Jul 27, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Sub-500 laptop *brand* suggestions
Replies: 19
Views: 1972

Re: Sub-500 laptop *brand* suggestions

Do you actually require software that runs on Windows? If the answer is yes then in this price range I would look around at a used computer resale shop near a college town if possible. You can find great deals there sometimes from gamers who are dumping a fast laptop for the latest gaming machines. ...
by Gadget
Sun Jul 22, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Online access: Two factor authentication
Replies: 9
Views: 753

Re: Online access: Two factor authentication

We use Lastpass families. I manage the main account. I put all common login accounts like amazon, credit card, etc. under a shared folder in Lastpass. Then I have my own individual folder for sites like bogleheads login. My wife has the same with her own Lastpass account (like her facebook and emai...
by Gadget
Sun Jul 22, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: Online access: Two factor authentication
Replies: 9
Views: 753

Re: Online access: Two factor authentication

We use Lastpass families. I manage the main account. I put all common login accounts like amazon, credit card, etc. under a shared folder in Lastpass. Then I have my own individual folder for sites like bogleheads login. My wife has the same with her own Lastpass account (like her facebook and email...
by Gadget
Mon Jul 16, 2018 9:16 am
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 4167

Re: All-In VTSAX

All these posts make me want to increase my international allocation to market weight instead of 30 percent. If everyone wants to market time in one direction based on recency bias, I figure the opposite is the way to go. Although I will likely just stay the course and it won't make much difference ...
by Gadget
Thu Jul 12, 2018 3:24 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 17788

Re: COMING SOON: BOGLEHEADS PODCASTS

Talking Bogleheads (+1) - Forget the needle, buy the haystack.
by Gadget
Wed Jul 11, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Printing photos from JPG files
Replies: 30
Views: 1253

Re: Printing photos from JPG files

This article is now something like 5 years old. But it compares many of the online photo labs in depth. https://improvephotography.com/7756/test-results-best-online-print-lab/ I've personally used Nations and have been very pleased. I found ProDPI too much of a hassle with their software. I have bee...
by Gadget
Sun Jul 01, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 8351

Re: What % of your equity is int’l?

30% of equities.
by Gadget
Fri Jun 29, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred Comp good idea?
Replies: 18
Views: 1487

Re: Deferred Comp good idea?

I have a similar option that I'm not participating in. I felt I was too far away from retirement and too much could change with my company by the time I retired or left the company. For my plan, it felt like if I was <5-10 years from retirement, deferred comp was a great option. For greater than tha...
by Gadget
Mon Jun 25, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: Still re-balance in TSP/401k if it is split between traditional and Roth?
Replies: 19
Views: 1153

Re: Still re-balance in TSP/401k if it is split between traditional and Roth?

We have a TSP and a 401k. I can't designate which funds are Roth and which funds are traditional in either account. That would be ideal, but I can't. So I just pretend it's all the same traditional for simplicity. That said, I only put Roth in each of those accounts before I found this board and rea...
by Gadget
Fri Jun 22, 2018 5:15 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 207
Views: 34772

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

Mine is supposed to arrive on June 29. I have Amazon Prime.
by Gadget
Sun Jun 03, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: weighted blankets
Replies: 10
Views: 2115

Re: weighted blankets

I'm not sure how cool it is, but my wife swears by this brand. She has 3 each with different weights and sizes. Magic Weighted blanket. She tried one or two other brands and didn't like them as much and switched all to this brand. https://smile.amazon.com/gp/product/B06W54L2MG/ref=oh_aui_search_deta...
by Gadget
Sat Jun 02, 2018 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Any other pre-tax retirement account options?
Replies: 11
Views: 692

Re: Any other pre-tax retirement account options?

It takes minutes to do a backdoor roth IRA for my spouse and I each year... The only hoop is understanding it. And understanding how to report it on taxes. Those are both explained in the wiki. Now granted, if you have a significant tIRA balance it might not be worth it. If you have no tIRA balance,...
by Gadget
Fri Jun 01, 2018 3:16 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Two Articles On Reinsurance
Replies: 41
Views: 3538

Re: Larry Swedroe: Two Articles On Reinsurance

It appears that you can buy SRRIX STONE RIDGE REINSURANCE RISK PREMIUM INTERVAL FUND at Fidelity. I didn't hit buy, but it appears that it will let me. For my taxable brokerage at Fidelity, I only need $9,999,999.99 as a minimum purchase price. Thankfully, they only charge a 2.4% annual operating ex...
by Gadget
Fri Jun 01, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Any other pre-tax retirement account options?
Replies: 11
Views: 692

Re: Any other pre-tax retirement account options?

Someone mentioned backdoor roth IRA, but I'm not sure it was understood by the OP?

See https://www.bogleheads.org/wiki/Backdoor_Roth_IRA

The only caveot to a backdoor roth IRA is if you have a significant tIRA balance it might not make the backdoor roth worthwhile.
by Gadget
Wed May 30, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: My mind exploded
Replies: 79
Views: 5099

Re: My mind exploded

I used to get Jordan shoes because it was cool in middle and high school. Heck, if I saved the original ones I had and didn't wear them or give them away when I outgrew them I'd be talking about what great investments they were. But they were all probably way more expensive than $150 when adjusted f...
by Gadget
Wed May 30, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Home printer
Replies: 50
Views: 3648

Re: Home printer

I see lots of recommendations for brother laser printers. That's what I'd do if I only needed black and white. We wanted color though. I'm happy with the brother ink jet series printers that say inkvestment or something. They are high capacity ink cartridges designed to be cheap per page. Or you can...
by Gadget
Sat May 26, 2018 11:22 am
Forum: Investing - Theory, News & General
Topic: where did this Vanguard post go? And how to get it back?
Replies: 3
Views: 997

Re: where did this Vanguard post go? And how to get it back?

I like this chart a lot as a tool to help explain fees to people:

viewtopic.php?t=217026
by Gadget
Sat May 26, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: Why Edward Jones?
Replies: 76
Views: 13122

Re: Why Edward Jones?

I'm not sure on the why Edward Jones question. But I think this site explains the why not pretty well.

http://kronstantinople.blogspot.com/p/e ... -saga.html
by Gadget
Fri May 25, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth Question
Replies: 5
Views: 569

Re: Backdoor Roth Question

I think you want to lump sum the entire amount to a money market in the tIRA. That way you have minimal gains and losses (pennies). Gains are taxed. Then as soon as possible, you convert the tIRA to a roth IRA.
by Gadget
Mon May 21, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 13046

Re: done with Gmail

This is a KeePass issue. Not sure why you're blaming Gmail. All password managers have an automatic password change feature. And they should all keep a history of every automatically generated password. Even if you just hit generate a random password, then your browser crashed. This is what LastPass...
by Gadget
Thu May 17, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Buying I bonds - what is the purpose of Registration on TD website
Replies: 22
Views: 2459

Re: Buying I bonds - what is the purpose of Registration on TD website

Are there any common factors or situations where people decide that I bonds make sense? I currently have no I bonds, but I see some appeal. Is this for people who have all tax advantaged space filled with bonds? If so, is an extra 20k a year enough to move the needle? Aren't muni bonds in taxable ea...
by Gadget
Mon May 14, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 12762

Re: Two- Factor Authentication at Vanguard - Update

Someone said that mint and personal capital now work with Vanguard 2 factor authentication? And you don't have to enter a code every time you refresh them?
by Gadget
Sun May 13, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2632

Re: Online/cloud backup or file storage?

I am confused by how many people are encrypting ALL of their files. I use google drive for pretty much everything. I pay for extra google cloud storage because 99.9% of what I store on the cloud are pictures and home videos. Do people really care if those get hacked? I care more if I lose them, whic...
by Gadget
Wed May 09, 2018 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Question
Replies: 22
Views: 2644

Re: Mortgage Payoff Question

This only becomes a tough decision if you compare taxable investing against paying off the mortgage early. If you are forgoing tax advantaged space to pay off the mortgage early, then you are just missing out. A mortgage really isn't that bad. If in a few years, you are still maxing all tax advantag...
by Gadget
Sat May 05, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Score Question
Replies: 25
Views: 2179

Re: Credit Score Question

I track my credit scores and report on credit karma. I've seen it swing from 820 to 790 range for no apparent reason other than slight changes in credit card utilization rates. Even though all balances are paid in full every month. I wouldn't worry yet, but I'd also start monitoring your credit repo...
by Gadget
Fri May 04, 2018 1:26 pm
Forum: Investing - Theory, News & General
Topic: Investing is more like poker than chess
Replies: 91
Views: 7117

Re: Investing is more like poker than chess

And having a financial advisor is like having to pay a 3 dollar ante for every hand, while an index fund investor gets to put in a dime ante for the same hand. Over the long haul, you can predict who will win...
by Gadget
Sun Apr 29, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Company has Fidelity...Is Brokeragelink good or bad?
Replies: 27
Views: 1744

Re: Company has Fidelity...Is Brokeragelink good or bad?

I had Brokeragelink with one of my former companies. It's important to note that each employer has multiple options regarding how to set up Brokeragelink. At my company,there was no fee for its usage. In our setup, we were allowed to put up to 90% of our holdings in Brokeragelink and purchase any o...
by Gadget
Sun Apr 29, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Visiting OK and KS with family
Replies: 31
Views: 2025

Re: Visiting OK and KS with family

Unless your business trip requires you to go to Kansas and western Oklahoma, I would not go there. I've spent lots of time living in each area. Good places to live. Not so much for a vacation. For a family vacation, I would drive to either the Ozarks in Arkansas or the Ozarks in Missouri. The Branso...
by Gadget
Sat Apr 28, 2018 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Company has Fidelity...Is Brokeragelink good or bad?
Replies: 27
Views: 1744

Re: Company has Fidelity...Is Brokeragelink good or bad?

I love brokeragelink. It costs me nothing extra and I get to pick Fidelity's total stock market, total international, and total bond funds with low expense ratios. Instead of picking the high fee funds offered by my 401k. You should call though. When I called, they said every company is different on...
by Gadget
Mon Apr 23, 2018 1:15 pm
Forum: Investing - Theory, News & General
Topic: NYT article: Everyone should hire a financial planner
Replies: 103
Views: 10409

Re: NYT article: Everyone should hire a financial planner

I think it was an article by the Whitecoat Investor I read where he said a more valid comparison would be a lawn care service, rather than a medical professional. You can hire someone to cut your grass, but it's not that difficult to figure out how to do it yourself. He may have been talking more a...
by Gadget
Mon Apr 23, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Allocation at 35
Replies: 20
Views: 2027

Re: TSP Allocation at 35

We need to know more to help you. Is the tsp your only investment account? Look at all accounts combined for your allocations. For instance, I use a 80 to 20 C to S allocation for the equity portion of the tsp to match the total stock market. But I get my international exposure in other accounts, an...
by Gadget
Sun Apr 22, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Strategy for Use of Restricted Stock Units
Replies: 18
Views: 1440

Re: Strategy for Use of Restricted Stock Units

Just to add what others have said, think of RSUs this way. When an RSU vests, your company gives you a cash salary bonus. They then immediately turn around and buy company stock with that cash bonus. If you received a cash bonus instead of RSUs, would you also buy company stock? Both are taxed the s...
by Gadget
Fri Apr 20, 2018 6:15 pm
Forum: Investing - Theory, News & General
Topic: NYT article: Everyone should hire a financial planner
Replies: 103
Views: 10409

Re: NYT article: Everyone should hire a financial planner

We need a list of all financial advisors who don't manage their own finances. That way we can make a database of advisors that no one should use, even for the people who actually need an advisor.
by Gadget
Thu Apr 19, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 5787

Re: PC laptops

This is a terrible analogy in the world of computers. A solid state drive alone would likely give the feeling of a giant performance boost. Laptop batteries that old are usually terrible. I'm not a Mac user, but I have many former hot rod laptops that now collect dust. The Samsung chrome book pro I...
by Gadget
Wed Apr 18, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 5787

Re: PC laptops

Just to clarify some points... New Chromebooks can now install almost every android app from the play store. I have yet to find an app I use that won't install. Only older chrome books may not be able to install Android apps from the Google play store. As far as excel spreadsheet replacement... Goog...
by Gadget
Wed Apr 18, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 5787

Re: PC laptops

Your 5 year old iMac is a better computer for email and surfing the web than any new $350 laptop. I would spend your time on the iMac. Think of it like saying, I am going to trade in my 2014 Mercedes S class because it needs new tires, brake pads, and an oil change and I am going to replace it with...
by Gadget
Wed Apr 18, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 5787

Re: PC laptops

Printers are fairly cheap. It's the ink that is expensive. If you really need to print, you can find tons of printers that work with Google cloud printing. A chrome book can easily print to a Google cloud printer. The advantage of this setup is that you can also print to your printer from your phone...
by Gadget
Tue Apr 10, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: How to account for taxes after selling company stock?
Replies: 8
Views: 691

Re: How to account for taxes after selling company stock?

All vested RSUs are taxed as ordinary income. The vest date is when the cost basis starts. The cost basis does NOT start on the grant date. Think of RSUs as receiving a cash bonus from the company where you immediately buy company stock on the vesting date. If your plan is to sell, there is no adva...
by Gadget
Mon Apr 09, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: How to account for taxes after selling company stock?
Replies: 8
Views: 691

Re: How to account for taxes after selling company stock?

All vested RSUs are taxed as ordinary income. The vest date is when the cost basis starts. The cost basis does NOT start on the grant date. Think of RSUs as receiving a cash bonus from the company where you immediately buy company stock on the vesting date. If your plan is to sell, there is no advan...
by Gadget
Wed Apr 04, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: SPOT [Investing in Spotify]
Replies: 45
Views: 2884

Re: SPOT [Investing in Spotify]

Their business model makes no sense to me. Spotify is great, but I switched to Google play music. Because it's the same thing for the same price, but includes a YouTube red subscription to get rid of ads in YouTube. And for people in the Apple ecosystem, I have no idea why they wouldn't switch to Ap...
by Gadget
Fri Mar 23, 2018 7:55 am
Forum: Investing - Help with Personal Investments
Topic: How to think about AA with company stock
Replies: 19
Views: 1220

Re: How to think about AA with company stock

I just want to make sure you understand how your vested RSUs are taxed. As ordinary income. Effectively, when the company grants you RSUs it is just a promise for a specific amount of shares at a later date if you and the company are still together. The cost basis does not start at grant time. Cost ...
by Gadget
Tue Mar 20, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 29118

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

MMM posted a very Bogle like piece on bitcoin. I find it interesting because I'm guessing a large portion of his user base and age group are bitcoin investors.

https://www.mrmoneymustache.com/2018/01 ... is-stupid/
by Gadget
Fri Mar 09, 2018 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Any tax advantages to holding vested RSUs for a year?
Replies: 7
Views: 815

Re: Any tax advantages to holding vested RSUs for a year?

Any gains or losses between the vest price and your sales price become long term. That's it. Vest price is still taxed as regular income. Got it - so if I don’t want to hold the stock, then best policy is just to sell it immediately and invest the proceedings, right? Yes, but if you have additional...
by Gadget
Fri Mar 09, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Any tax advantages to holding vested RSUs for a year?
Replies: 7
Views: 815

Re: Any tax advantages to holding vested RSUs for a year?

I wait for all my shares to vest for the calendar year to avoid wash sales. They're usually spread out a month or so into 4 lots. After that I wait until the first day that the company trading window is open to avoid insider trading issues. Then I sell everything. Since vested rsu grants are taxed a...
by Gadget
Fri Mar 09, 2018 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Paying off mortgage vs. additional tax-advantaged retirement savings
Replies: 93
Views: 6408

Re: Paying off mortgage vs. additional tax-advantaged retirement savings

I'm about the same age and am maxing out all tax advantaged space. But I'm doing an 80/20 asset allocation. I was swayed from 100 percent stocks after reading countless threads here. At first I was in your camp, I assumed I had a high risk tolerance and long time until retirement. But there are othe...
by Gadget
Fri Mar 09, 2018 9:17 am
Forum: Investing - Theory, News & General
Topic: Contribution Amounts...Percentage vs Specific
Replies: 15
Views: 919

Re: Contribution Amounts...Percentage vs Specific

Ask your wife's company if they have a quarterly or yearly "true up" for 401k matches. If they do, it doesn't matter if you max out early. My wife's 401k through fidelity only offers percentage contributions too. But they will stop once it hits the irs limit in the year, and at the end of each quart...