Search found 28 matches

by redstar
Thu Sep 14, 2017 1:22 am
Forum: Personal Consumer Issues
Topic: Need Cloud Back-Up Service For Mac
Replies: 8
Views: 1090

Re: Need Cloud Back-Up Service For Mac

I've been using Backblaze for a year and love it. Just signed up for the 2 year plan. I looked into Arq, and it is normally something I would do, but I wanted something simpler so I didn't screw up backups somehow.
by redstar
Thu Sep 14, 2017 1:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 115
Views: 26048

Re: Vanguard's new security key option

Does anyone know if Mint/Personal Capital/etc can still import data if I have the security key enabled?
by redstar
Wed Sep 13, 2017 9:00 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in 3-fund indexed portfolio?
Replies: 191
Views: 16644

Re: Bitcoin in 3-fund indexed portfolio?

kayanco wrote:
Wed Sep 13, 2017 7:38 am
Swelfie wrote:
Mon Sep 11, 2017 5:36 pm
redstar wrote:
Tue Sep 12, 2017 3:56 pm
Price is below $4000 currently ... Any thoughts on when might be a good buying opportunity?


Thanks.
Sorry, I don't have any investment advice. I sold a a bunch of bitcoin at $18, so I learned my lesson about trying to time the market.
by redstar
Tue Sep 12, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin in 3-fund indexed portfolio?
Replies: 191
Views: 16644

Re: Bitcoin in 3-fund indexed portfolio?

Based on your experience with cryptography, let me ask: When the initial 24 word passphrase (wallet recovery phrase) is generated, is there a way to encrypt it (e.g. using a password from memory) to generate another 24 word phrase? i.e.: 24 words -> encrypt -> 24 words* 24 words* -> decrypt -> 24 w...
by redstar
Mon Sep 11, 2017 10:29 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin in 3-fund indexed portfolio?
Replies: 191
Views: 16644

Re: Bitcoin in 3-fund indexed portfolio?

kayanco wrote:
Mon Sep 11, 2017 10:23 pm

Nonetheless, the price of Bitcoin itself seems prohibitive now ...
Just in case you aren't aware, you can buy fractional bitcoins. If you are just talking about the relative price being high, knowing bitcoin, it will probably crash again :wink:
by redstar
Mon Sep 11, 2017 10:10 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin in 3-fund indexed portfolio?
Replies: 191
Views: 16644

Re: Bitcoin in 3-fund indexed portfolio?

Thanks for posting. So I'm guessing you are holding these 20 coins on an exchange? From what I've read, that might be risky. Yeah, it can be. I thankfully haven't lost anything in the big exchange thefts, etc, but I could have. Now, I try to only hold the small ones on several different exchanges, ...
by redstar
Mon Sep 11, 2017 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Why doesn't my Vanguard 403(b) have a total stock index?
Replies: 9
Views: 773

Why doesn't my Vanguard 403(b) have a total stock index?

This isn't a big deal, because I can work around it, but why would my 403(b) have a bunch of Vanguard funds, but not a total stock market one? Here is what it has: Target-date investments Vanguard Institutional Target Retirement 2015 Fund Vanguard Institutional Target Retirement 2020 Fund Vanguard I...
by redstar
Mon Sep 11, 2017 9:47 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin in 3-fund indexed portfolio?
Replies: 191
Views: 16644

Re: Bitcoin in 3-fund indexed portfolio?

To calculate this 5%, do you take 5% of your total retirement balance? e.g Take the 401k balance and designate 5% of it? I took 5% of all of my investments (taxable and tax-advantaged) and use that as play money. It really does help with mental accounting, as I don't tinker with the rest of my port...
by redstar
Mon Sep 11, 2017 9:42 pm
Forum: Investing - Theory, News & General
Topic: Wiki article - Bitcoin
Replies: 37
Views: 4687

Re: Wiki article - Bitcoin

Hey, I saw the article and would be happy to help where needed. I totally understand not diving too deep technically, but if there are some frequently asked questions from forum threads, it might be worth including them. I've been messing around with cryptocurrencies for years and would be happy to ...
by redstar
Thu Aug 17, 2017 6:10 pm
Forum: Investing - Theory, News & General
Topic: What we know about robo advisors
Replies: 148
Views: 17880

Re: What we know about robo advisors

I have to say, even with The Robo Report and online reviews, etc, it is extremely hard to choose one of these advisors over the others. Other than their portfolio allocations and recent returns, a lot of their value added is just hard to measure. For example, is Wealthfront Direct Indexing really th...
by redstar
Thu Aug 17, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin
Replies: 131
Views: 11050

Re: Bitcoin

Merchants may prefer it over credit cards because there are no fees or chargebacks. Remember, the transaction time for bitcoin may be slow compared to credit cards, but the settlement time for credit cards is around 1 month (the time after which you cannot do chargebacks). Look at some of the large...
by redstar
Wed Aug 16, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin
Replies: 131
Views: 11050

Re: Bitcoin

I'd be interested in learning of anyone's good experience using, not speculating, in Bitcoin. If we don't come up with something or at least the whisper of something a whole lot better than credit cards, maybe I'll sell the other half soon. I've used Bitcoin to buy a sandwich before, and I sometime...
by redstar
Wed Aug 16, 2017 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin
Replies: 131
Views: 11050

Re: Bitcoin

I would also look past Bitcoin to see the potential impact of blockchain tech. Some of these projects, such as smart contracts on Ethereum, really show the non-currency aspect of cryptocurrencies, and how they may be able to do very novel things. The flip side of this is that they are sometimes very...
by redstar
Wed Aug 16, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin
Replies: 131
Views: 11050

Re: Bitcoin

I was (and still am) interested in Bitcoin and blockchain from a tech perspective very early on, but was terrible at holding on to it. I was very excited when it hit parity with a dollar, and I think I sold like 10 BTC at $20 each. I recently put a fixed amount aside to buy cryptocurrencies with, an...
by redstar
Tue Aug 15, 2017 11:00 pm
Forum: Investing - Theory, News & General
Topic: What we know about robo advisors
Replies: 148
Views: 17880

Re: What we know about robo advisors

The Q2 Robo Report is out. I'll go ahead and quote the overall results, but ask if you want to see any specific numbers. Equity FutureAdvisor E*Trade (Hybrid) WiseBanyan Fixed Income E*Trade (Hybrid) Schwab Fidelity Go and E*Trade (ETF) (Tied) Total Portfolio E*Trade (Hybrid) Vanguard Betterment And...
by redstar
Mon Jul 24, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: How to buy (or invest) into Bitcoin?
Replies: 35
Views: 5273

Re: How to buy (or invest) into Bitcoin?

As others have said, Coinbase is definitely the place to buy. Your USD is FDIC insured there, and they have insurance covering the digital assets if anything happens to them. Note that this insurance will not cover your own account security, such as a weak password. To store, I would follow previous...
by redstar
Tue Jul 18, 2017 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Your Charitable giving – do you have definitions and guidelines?
Replies: 2
Views: 366

Re: Your Charitable giving – do you have definitions and guidelines?

I am committed to the Giving What We Can pledge, and I interpret this personally with a few rules: 1) I have to give 10% of income per year, where income is salary and capital gains. I usually do this monthly, but it isn't required. Matching donations don't count as it is not my income. 2) Giving ca...
by redstar
Mon Jul 17, 2017 6:51 pm
Forum: Investing - Theory, News & General
Topic: What we know about robo advisors
Replies: 148
Views: 17880

Re: What we know about robo advisors

It would be great if we could get some sort of crowdsourced Bogleheads comparison of the performance of these robo-advisors, as it is hard to compare them with available public data. I guess they would have to have similar risk settings to compare, though. We have that. First link in this thread: h...
by redstar
Mon Jul 17, 2017 6:07 pm
Forum: Investing - Theory, News & General
Topic: What we know about robo advisors
Replies: 148
Views: 17880

Re: What we know about robo advisors

Hedgeable: https://www.hedgeable.com/ They use a core satellite approach and dynamic allocation based on current market conditions. This sort of approach is typical of pension funds using hedge funds as satellites (hence the name). They are trying to create a private wealth type service that works ...
by redstar
Sun Jul 16, 2017 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Maximizing opportunities to Tax Loss Harvest?
Replies: 13
Views: 1016

Re: Maximizing opportunities to Tax Loss Harvest?

More information about your portfolio would be helpful if you want specific information. I only have cash at the moment, so I'm looking to create a portfolio. I am intending to invest around $150,000 in a taxable account, with my overall asset allocation being around 90% stocks, 10% bonds. How woul...
by redstar
Sat Jul 15, 2017 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Maximizing opportunities to Tax Loss Harvest?
Replies: 13
Views: 1016

Re: Maximizing opportunities to Tax Loss Harvest?

aristotelian wrote:More information about your portfolio would be helpful if you want specific information.
I only have cash at the moment, so I'm looking to create a portfolio. I am intending to invest around $150,000 in a taxable account, with my overall asset allocation being around 90% stocks, 10% bonds.
by redstar
Sat Jul 15, 2017 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Maximizing opportunities to Tax Loss Harvest?
Replies: 13
Views: 1016

Re: Maximizing opportunities to Tax Loss Harvest?

Why don't you invest to get big gains for the rest of the year and use those gains to pay the taxes? Then if the worst happens....... you will have loses instead! Wouldn't this make you happy either way? Yup, that's the plan! I swear I'm not trying to intentionally lose money. The strategies I was ...
by redstar
Sat Jul 15, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Invest now or live off savings to max my 403b?
Replies: 7
Views: 735

Re: Invest now or live off savings to max my 403b?

Thought of another way, if your taxable investments lose value then you're still selling the same number of shares, and almost immediately buying those shares in your 403b, so really you've just managed to transfer more shares for the given contribution limits than if your taxable account had not l...
by redstar
Sat Jul 15, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Maximizing opportunities to Tax Loss Harvest?
Replies: 13
Views: 1016

Maximizing opportunities to Tax Loss Harvest?

I have a lot of (realized) capital gains this year (yay!), but with a correspondingly high tax bill ( :( ). I am also currently not invested and would like to start. Assuming a given asset allocation, is there a good strategy for maximizing opportunities to Tax Loss Harvest? I know that normally TLH...
by redstar
Sat Jul 15, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Urgent 1st world problem [coffeemaker]
Replies: 48
Views: 3711

Re: Urgent 1st world problem [coffeemaker]

Third vote for an Aeropress and high quality beans. Alternatively get a pour over setup (Chemex for multiple cups at once).
by redstar
Fri Jul 14, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Invest now or live off savings to max my 403b?
Replies: 7
Views: 735

Re: Invest now or live off savings to max my 403b?

I'm not sure about the math behind the 403b contributions being taxable or not. I was assuming pre-tax this year, as I should be in the 25% tax bracket based on some other income, but I may move the contributions to Roth 403b next year when I am in the 15% bracket. Maybe semantics, but the 403b con...
by redstar
Fri Jul 14, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Invest now or live off savings to max my 403b?
Replies: 7
Views: 735

Re: Invest now or live off savings to max my 403b?

FiveK, Thanks for the response! Yeah, the windfall is taxable, so I'm locked out of the normal Roth this year, but will contribute to normal Roth in future years. If my 403b will allow a mega backdoor Roth I will try that too, but I'm not sure it does based on my reading of the plan. My stipend is e...
by redstar
Thu Jul 13, 2017 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Invest now or live off savings to max my 403b?
Replies: 7
Views: 735

Invest now or live off savings to max my 403b?

Hi! I'm a graduate student (age 24), and I plan to be for the next 4-5 years or so. I recently received a windfall, and I'm wondering if I should invest a portion in a taxable account, or live off that portion to invest more in a tax-advantaged account. Details: Annual Stipend: $32,000 To Invest (af...