Search found 138 matches

by Gadget
Sun Jun 03, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: weighted blankets
Replies: 10
Views: 2025

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: 634

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: 3281

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: 634

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: 4645

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: 3162

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: 895

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: 12287

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: 518

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: 12209

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: 2277

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: Two- Factor Authentication at Vanguard - Update
Replies: 41
Views: 8768

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: 2360

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: 2455

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: 2058

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: 6525

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: 1452

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: 1875

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: 1452

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: 9533

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: 1625

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: 1315

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: 9533

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: 5040

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: 5040

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: 5040

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: 5040

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: 627

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: 627

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: 2699

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: 1118

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: 27869

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: 768

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: 768

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: 5824

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: 832

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...
by Gadget
Sat Mar 03, 2018 12:09 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 250
Views: 58903

Re: How much international stock? A suggestion.

Does an NRA will have the same consideration with Us citizen on how much international stock? In other words, does 20% international recomendation by jack bogle applies to NRA too? If NRA means non retirement account that is still part of your overall long term investment portfolio, then your answe...
by Gadget
Wed Feb 28, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Google Pixel 2 Users-Experience So Far?
Replies: 37
Views: 2730

Re: Google Pixel 2 Users-Experience So Far?

I have a pixel 2 xl and my wife has a pixel 2. We both love our phones. Personally, I think the blue shift issue is way overstated. I can see it if I'm looking for it. It could be improved. But in everyday use I don't notice it. All phones have some color shift off angle. Some phones have it worse. ...
by Gadget
Wed Feb 14, 2018 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Restricted Stock Units vesting- always sell immediately?
Replies: 7
Views: 901

Re: Restricted Stock Units vesting- always sell immediately?

That would be much nicer if our stock vested within the trading window. It would also be nice if it vested all at the same time instead of over about 30 days so I have to watch for wash sales and trading windows. Some of the old timers claim that if you can show that you have a history of selling st...
by Gadget
Wed Feb 14, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Incorrect cost basis on Fidelity tax statements
Replies: 12
Views: 1173

Re: Incorrect cost basis on Fidelity tax statements

It seems like there must be some sort of problem at Fido if the OP has short term losses on a stock with no basis information available since brokers have been required to track that on purchases made since 2011. Some stocks are still not covered, for example MLPs which report tax info on a K1 and ...
by Gadget
Wed Feb 14, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Restricted Stock Units vesting- always sell immediately?
Replies: 7
Views: 901

Restricted Stock Units vesting- always sell immediately?

I believe I researched this from other threads and found that there is no advantage to holding restricted stock units that vest. As soon as they vest, they are taxed like ordinary income. So in effect, it is like getting a cash bonus that you buy company stock with. I believe for the bogglehead that...
by Gadget
Wed Feb 14, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Incorrect cost basis on Fidelity tax statements
Replies: 12
Views: 1173

Re: Incorrect cost basis on Fidelity tax statements

As far as I know, they are all regular company stock with a regular ticker. I think the issue is that the company plan transfered from e-trade to fidelity. When it went to fidelity, they didn't bother getting cost basis information from e-trade. I went back to old e-trade documents for the long term...
by Gadget
Sat Feb 10, 2018 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Incorrect cost basis on Fidelity tax statements
Replies: 12
Views: 1173

Incorrect cost basis on Fidelity tax statements

Last year I sold a bunch of stock for 6714.67 short term losses and 11293.62 long term losses at Fidelity. I kept track of the numbers as I sold them. But on my tax statement for last year, all the stock has a cost basis of 0. So they claim I have tons of gains. Both of the sales claim that the basi...
by Gadget
Tue Feb 06, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 243
Views: 41095

Re: Improving the TSP [for current participants]

Is it still true after the new tsp changes that you can't do a mega backdoor Roth with the tsp?
by Gadget
Tue Feb 06, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 171
Views: 19246

Re: Torn between Vanguard, Fidelity and Schwab

I'm kind of surprised by this thread. I have both Fidelity and Vanguard. Fidelity has a 401k, HSA, and company stock plan. Vanguard has my IRAs and taxable accounts. Between those two, I guess fidelity has a prettier website. But if I wasn't forced to use fidelity for work, I would have everything a...
by Gadget
Wed Jan 31, 2018 9:03 am
Forum: Investing - Theory, News & General
Topic: Fidelity 401K International Fund
Replies: 5
Views: 952

Re: Fidelity 401K International Fund

I use FTIPX via Brokerage Link. It's fidelity version of total international index. It is what was recommended in the wiki for 3 fund portfolio equivalent to Vanguard total international index funds. But you also list VTIAX from Vanguard. If there is no additional fee on that, I'd pick it. But I bel...
by Gadget
Thu Jan 18, 2018 4:21 pm
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 8290

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

If I could get my in laws or my parents to take this course, I would easily spend 800 on it for both of them to have. Edward Jones and Raymond James Brokerage are easily taking enough of my wife and my future inheritance that this course would be worth the money if they would actually take it. Now I...
by Gadget
Sun Dec 31, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Does donation count for 2017 if donated fund shares do not settle until 2018?
Replies: 35
Views: 1787

Re: Does donation count for 2017 if donated fund shares do not settle until 2018?

I was in a similar situation. I have a Fidelity DAF, but all my taxable stocks are at Vanguard as mutual funds. I thought I initiated a donation of appreciated shares well ahead of time, but called Fidelity Charitable to make sure. They said that mutual funds can take weeks to go into the account, a...
by Gadget
Wed Nov 29, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: Wifi speakers-SONOS vs Echo/Google Home
Replies: 30
Views: 3406

Re: Wifi speakers-SONOS vs Echo/Google Home

Sonos is such a ripoff... For the same cost, you can get way better sounding speakers. Sonos claim to fame can be replicated by chromecast audio now. You can connect multiple chromecast audio to all speaker setups, including really nice ones that blow Sonos speaker quality away. I have a home theate...
by Gadget
Mon Nov 20, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Syncing Family Files and Photos
Replies: 9
Views: 1069

Re: Syncing Family Files and Photos

The simplest solution if you completely trust your wife is to use Google photos on both of your phones, but have one main Google photos account. I use my Google account for all our photos, and pay for extra drive storage so I can sync all our documents and full resolution photos to my account. Then ...