Search found 889 matches

by sycamore
Wed Aug 12, 2020 4:11 pm
Forum: Investing - Theory, News & General
Topic: I Got Burned: Selling mutual fund and simultaneously purchasing ETF
Replies: 134
Views: 5390

Re: I Got Burned: Selling mutual fund and simultaneously purchasing ETF

Sycamore, I've always traded as per your description whenever the new buy was going to be greater than the core account cash. This last Monday, I sold an ETF in a Roth at Fidelity, planning on buying a Mutual Fund the next day, waiting the one day as to not get caught in the "settlement pickle", as...
by sycamore
Wed Aug 12, 2020 3:55 pm
Forum: Personal Investments
Topic: Close to Retirement
Replies: 4
Views: 1196

Re: Close to Retirement

Sorry about my slow reply, I have been real busy the past few days. Out of the funds listed, which would be the best ones for a three or four fund account. Need advice on the bond portion. We have more options through brokeragelink, but then the fees (I assume) would be higher. kazcaid, to roll you...
by sycamore
Wed Aug 12, 2020 10:17 am
Forum: Personal Consumer Issues
Topic: Ergonomic keyboard suggestion
Replies: 14
Views: 465

Re: Ergonomic keyboard suggestion

You can find some reviews and discussion in this Wire Cutter article: https://www.nytimes.com/wirecutter/revi ... -keyboard/

Kinesis Freestyle Edge RGB is top rated but expensive
Microsoft Sculpt is their budget pick
by sycamore
Wed Aug 12, 2020 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Chase Amazon Prime Card--4% back
Replies: 57
Views: 4609

Re: Chase Amazon Prime Card--4% back

I got the 4% offer as well. Is anyone going to pay their quarterly estimated taxes with this card? Do you think the 4% will apply? I currently use the BoA Premium rewards card at 2.625% but this would get me another 1.375%. I will have around $40,000 in estimated tax payments between now and 2/11/2...
by sycamore
Wed Aug 12, 2020 10:08 am
Forum: Investing - Theory, News & General
Topic: I Got Burned: Selling mutual fund and simultaneously purchasing ETF
Replies: 134
Views: 5390

Re: I Got Burned: Selling mutual fund and simultaneously purchasing ETF

I'm not following this 3pm stuff. Mutual funds trade at night. Prices are dictated by the asset prices at 4pm. If you sold one, in no way would you have money to buy the ETF until the next morning. There is plenty of concern about what happens overnight, but that's not what was expressed. If you ha...
by sycamore
Tue Aug 11, 2020 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Amazon Prime Card--4% back
Replies: 57
Views: 4609

Re: Chase Amazon Prime Card--4% back

Nothing for me yet either. https://www.doctorofcredit.com/targeted-chase-amazon-prime-card-get-3-4-back-everywhere-with-no-limits-thru-september-or-february/ reports the same thing I'm seeing on this thread - different people, different offers or no offer. And apparently you can browse to https://ww...
by sycamore
Tue Aug 11, 2020 5:19 am
Forum: Investing - Theory, News & General
Topic: Difference Between How an ETF and Mutual Fund are Taxed
Replies: 2
Views: 387

Re: Difference Between How an ETF and Mutual Fund are Taxed

Hi guys. I got 3 questions on ETFs: 1) I'm confused about how ETFs are taxed compared to mutual funds. MFs can generate taxable capital gains if their underlying stocks are sold with gains realized. But how is an ETF taxed? I understand an ETF is traded like a stock and is treated as such with no r...
by sycamore
Mon Aug 10, 2020 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Non-deductible tIRA contributions and withdrawals
Replies: 6
Views: 383

Re: Non-deductible tIRA contributions and withdrawals

Also, one consequence of treating your non-deductible contributions as deductible (meaning you pay taxes on them again) is that it adds to your Adjusted Gross Income. So be aware of going over any AGI or MAGI-related tax deduction or credit thresholds, like for ACA, AOTC, child tax credit, etc.
by sycamore
Sun Aug 09, 2020 11:00 am
Forum: Personal Investments
Topic: Asset allocation question
Replies: 6
Views: 539

Re: Asset allocation question

1. stocks represent 57% of my net worth and real estate represents 41% (misc is 2%). Are these numbers appropriate? my primary home represents about 23% of my NW bc it's paid off. I know that distorts the numbers but is that appropriate? too risky? too conservative? I played major defense early in ...
by sycamore
Sat Aug 08, 2020 8:23 am
Forum: Personal Consumer Issues
Topic: New hybrid SUV? Talk me into/out of it
Replies: 33
Views: 2474

Re: New hybrid SUV? Talk me into/out of it

aristotelian wrote:
Sat Aug 08, 2020 8:08 am
What is your thinking behind hybrid SUV? If you care about fuel efficiency seems like full hybrid or even EV would be the way to go.

Pacifica Plug In Hybrid might be an option to consider.
Isn't the RAV4 a full hybrid?
by sycamore
Sat Aug 08, 2020 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Advantages to hold Tax-Deferred IRA Accounts at one brokerage, and Taxable Accounts at another brokerage?
Replies: 41
Views: 1665

Re: Advantages to hold Tax-Deferred IRA Accounts at one brokerage, and Taxable Accounts at another brokerage?

Is selling Vanguard Lifestrategy Growth Fund and buying Vanguard Lifestrategy Moderate Growth Fund within the time window a wash sale? No. These two funds differ completely in their composition of stocks and bonds enough to fail the “substantially identical” test. "Differ completely" sounds too str...
by sycamore
Sat Aug 08, 2020 6:41 am
Forum: Personal Finance (Not Investing)
Topic: consolidating accounts to Fidelity
Replies: 9
Views: 1214

Re: consolidating accounts to Fidelity

babystep, if you're not set on consolidating at Fidelity and have a big enough portfolio, I'll suggest the combo of Merrill Edge / Bank Of America Premium Rewards VISA, plus enrolling in their Preferred Rewards that increases your credit card cash back%. There are various details and reward levels b...
by sycamore
Fri Aug 07, 2020 4:23 pm
Forum: Personal Investments
Topic: Close to Retirement
Replies: 4
Views: 1196

Re: Close to Retirement

Either 3 fund or Fidelity Freedom Index fund is a very good idea. Ordinarily Bogleheads suggest managing all family assets as a single portfolio. Is it your & your wife's intent to manage her accounts to their own Asset Allocation? That's fine if you do. But if you want to manage your and her accoun...
by sycamore
Fri Aug 07, 2020 2:21 pm
Forum: Personal Consumer Issues
Topic: What is the cheapest cell phone plan if you need 30 min. talk and 500MB a year on the Sprint Network
Replies: 18
Views: 697

Re: What is the cheapest cell phone plan if you need 30 min. talk and 500MB a year on the Sprint Network

https://www.ebay.com/itm/2-50-Mo-Red-Pocket-Prepaid-Plan-CDMAS-200-Talk-1000-Text-200MB/133196831828?var=432541179940&hash=item1f03265c54:g:uiEAAOSwZCBdnO-A Can I use my sim or do I need to wait until Tello turns it off in a week. I don't see on web how to turn Tello off. If I hit the button lost p...
by sycamore
Fri Aug 07, 2020 1:16 pm
Forum: Personal Consumer Issues
Topic: What is the cheapest cell phone plan if you need 30 min. talk and 500MB a year on the Sprint Network
Replies: 18
Views: 697

Re: What is the cheapest cell phone plan if you need 30 min. talk and 500MB a year on the Sprint Network

If I turn off Tello. I am guessing I could use the same sim on redpocket. This is my first cell phone. If other could help. Thanks in advance. I think they have a button the website to say lost or stolen phone I guess that would turn it off? This article https://help.redpocket.com/hc/en-us/articles...
by sycamore
Fri Aug 07, 2020 1:13 pm
Forum: Investing - Theory, News & General
Topic: What to do with International Bonds?
Replies: 45
Views: 2226

Re: What to do with International Bonds?

... I still like the idea of holding international bonds so that my bonds are diversified, but would like to exchange VTABX for something else that doesn't have a negative real return. What other international bond funds would you suggest? ... Nightowl99, What kind of international bond funds do yo...
by sycamore
Fri Aug 07, 2020 12:59 pm
Forum: Investing - Theory, News & General
Topic: Question on Vngd Advisor Service
Replies: 10
Views: 854

Re: Question on Vngd Advisor Service

My wife and I are retired for 10+ years, mid seventies, I have always taken care of our investment portfolio. We are financially comfortable and plan to leave a small inheritance for our children and grand children. My question is, how many of you use Vngd Advisor Service and do you think it is wor...
by sycamore
Fri Aug 07, 2020 11:41 am
Forum: Personal Consumer Issues
Topic: What is the cheapest cell phone plan if you need 30 min. talk and 500MB a year on the Sprint Network
Replies: 18
Views: 697

Re: What is the cheapest cell phone plan if you need 30 min. talk and 500MB a year on the Sprint Network

Tello has $6/month for 500 MB and 100 minutes (free text).
https://tello.com/buy/custom_plans

I don't use it myself but I've heard some people use it for minimal use case situations like the OP's.
by sycamore
Fri Aug 07, 2020 10:13 am
Forum: Personal Investments
Topic: Advice for mom - small inheritance
Replies: 3
Views: 385

Re: Advice for mom - small inheritance

Your suggestion of VASIX (LifeStrategy Income) is very reasonable. It's 20% stocks which should help provide some "growth" to offset the withdrawals you'll be making. An alternative is VTINX (Target Retirement Income) is at 30% stocks. Unlike VASIX, part the 70% bonds is in short-term TIPS which may...
by sycamore
Thu Aug 06, 2020 7:27 pm
Forum: Personal Investments
Topic: Is Vanguard still good?
Replies: 42
Views: 3282

Re: Is Vanguard still good?

grobertj wrote:
Thu Aug 06, 2020 7:10 pm
...Just a few months ago, Admiral investors got a once per year session with a Certified Financial Analyst.
I think you meant Flagship investors rather than Admiral investors?

Either way, many people are feeling like they're banished to the poop deck.
by sycamore
Thu Aug 06, 2020 7:19 pm
Forum: Personal Investments
Topic: Can't get my head around bond funds
Replies: 32
Views: 2693

Re: Can't get my head around bond funds

I have a related problem with Bonds/Bond Funds. I don’t expect their prices to go up in the next 12 months, they may actually go down. Here is my reasoning: the interest rates are already low, which means they can only go up. When that happens, prices of bonds issued prior to that date will go down...
by sycamore
Thu Aug 06, 2020 6:15 pm
Forum: Investing - Theory, News & General
Topic: Hidden reorganization fees - could they hurt ETF investors?
Replies: 3
Views: 341

Re: Hidden reorganization fees - could they hurt ETF investors?

It's been years since I had any stock splits (go go dot com years) but I was never charged any fee for them. At the time I used ETrade. Times have changed so maybe brokerages charge for this kind of thing to make up for no commission trading? Why do you say the fee is hidden? Is it not reported on a...
by sycamore
Thu Aug 06, 2020 5:57 pm
Forum: Investing - Theory, News & General
Topic: Purchased a ST Corp Bond ETF in March - Now What?
Replies: 32
Views: 1392

Re: Purchased a ST Corp Bond ETF in March - Now What?

If you wait long enough, the trading volume may get high enough :)

What's the bid/ask spread? Wouldn't that be the salient question?

How big is your holding compared to the trading volume? Guessing high enough is why you want to sell.
by sycamore
Thu Aug 06, 2020 5:46 pm
Forum: Personal Investments
Topic: BRK-B shares vs. VTSAX or Vanguard S and P US equities fund
Replies: 9
Views: 795

Re: BRK-B shares vs. VTSAX or Vanguard S and P US equities fund

One advantage of BRK.x is they don't distribute dividends so in a taxable account it's a tax-efficient holding. N/A for your tax-advantaged account. One downside is a fair amount of "manager risk" -- who knows what new companies they'll buybwith their cash on hand, who knows how Buffett and Munger's...
by sycamore
Thu Aug 06, 2020 4:58 pm
Forum: Personal Investments
Topic: Is Vanguard still good?
Replies: 42
Views: 3282

Re: Is Vanguard still good?

Yes Vanguard is still good. It has some imperfections. IMO all the other brokerages do as well, whether it's Fidelity, Schwab, Merrill Edge, E*Trade, T. Rowe Price, etc. Any of those will suffice for lots of people. For some people who need certain services (like a cash management account or an HSA)...
by sycamore
Thu Aug 06, 2020 3:31 pm
Forum: Personal Investments
Topic: Portfolio Advice
Replies: 18
Views: 986

Re: Portfolio Advice

... 2. Was planning on each of us taking SS at 70. Or does it make sense to stagger it due to RMDs? ... FWIW, looking at the SS question in isolation, try testing your SS claiming strategy at website https://opensocialsecurity.com/. It's written by Boglehead Mike Piper. I'm guessing the site will s...
by sycamore
Thu Aug 06, 2020 3:21 pm
Forum: Personal Investments
Topic: VEA instead of VXUS? [Vanguard Developed instead of Total international]
Replies: 44
Views: 2509

Re: VEA instead of VXUS? [Vanguard Developed instead of Total international]

...I’d like to understand how to rationally pick between 30-60%? I want to choose a percentage that makes the most sense and I don’t know how to do that. I don’t want to be tinkering, second guessing or worst of all panicking again. I suppose it’s just the “ uncertainty “ factor that you can’t “ re...
by sycamore
Thu Aug 06, 2020 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Is buying annuity (SPIA) a good idea for someone who will not have Social Security benefits?
Replies: 20
Views: 1264

Re: Is buying annuity (SPIA) a good idea for someone who will not have Social Security benefits?

I think it is almost essential to buy one in which the payments increase, e.g. by 2% per year or by 3% per year, to keep up with inflation. Naturally that increases the premium quite a bit, because the total number of dollars it will be paying out will need to be quite a bit more. I believe the onl...
by sycamore
Thu Aug 06, 2020 2:11 pm
Forum: Personal Investments
Topic: Can't get my head around bond funds
Replies: 32
Views: 2693

Re: Can't get my head around bond funds

abump96, You got some good replies already. I'll add that there are a couple of scenarios to consider. One is you have a known expense at a known date in the future that you want to have covered. For example, a $25000 car in 3 years. Rather than hold cash, you buy a $25000 bond with the same duratio...
by sycamore
Thu Aug 06, 2020 1:52 pm
Forum: Personal Investments
Topic: Best Brokerage for buying VG/Fido/? MF Without Fees?
Replies: 11
Views: 568

Re: Best Brokerage for buying VG/Fido/? MF Without Fees?

A couple years ago I had a Merrill Edge account linked to BoA. I could purchase Vanguard funds, e.g. Total Stock VTSAX with a purchase price of I think around $26 but no additional fees or added expenses. If you are a buy and hold Boglehead, may be reasonable alternative. FWIW, I just previewed buy...
by sycamore
Thu Aug 06, 2020 1:45 pm
Forum: Personal Investments
Topic: Holding Vanguard ETFs in Merril Edge
Replies: 19
Views: 1204

Re: Holding Vanguard ETFs in Merril Edge

I have $100k in cash and I want to buy low cost ETFs. My Bogleheads research has led me to think I should put my $100k in VOO (or VTI). There is currently an offer with Merril Edge where if I deposit 100k, I can get $500 cash bonus. I know this cash bonus is peanuts but hey, a little work for $500 ...
by sycamore
Thu Aug 06, 2020 1:03 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2263
Views: 387078

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

... If you are going to open a BofA checking account, might as well get a bonus for it: https://promo.bankofamerica.com/chooseyourchecking1/offer What qualifies as a direct deposit? I have a hard time achieving that. I own two businesses (s-corp and also a C-corp) can I send myself a payment via AC...
by sycamore
Thu Aug 06, 2020 7:53 am
Forum: Non-US Investing
Topic: Should I transfer now [UK]
Replies: 9
Views: 727

Re: Should I transfer now

Ultimately I think you want to get to a simpler single-fund portfolio instead of multiple varying-allocation funds. Over time or all at once is up to you, jut take taxes into account - my want to spread them out over time if big enough. ... ( I'm even more convinced about the LS40 fund, having been ...
by sycamore
Thu Aug 06, 2020 6:44 am
Forum: Personal Investments
Topic: FAANG Stocks
Replies: 27
Views: 2526

Re: FAANG Stocks

Also, are there any suggestions for saving on capital gains. Donate some to charity. Consider moving several years of charitable giving all up to this year - that'll make a big dent in your FAANG holdings and allow you to take a larger deduction on your taxes. A donor-advised fund is helpful in doi...
by sycamore
Thu Aug 06, 2020 6:39 am
Forum: Investing - Theory, News & General
Topic: Malkiel: Preferred and High-Dividend Stocks are "Bond Substitutes"
Replies: 36
Views: 2808

Re: Malkiel: Preferred and High-Dividend Stocks are "Bond Substitutes"

I have heard that it might be something to consider high dividend yield stocks. In March or April I decided to sell the bond fund in my IRA and buy Vanguard’s High Dividend Yield fund. That is working out ok as of today. Vanguard Fan 1367, One of the main objections to Malkiel's suggestion is bonds...
by sycamore
Thu Aug 06, 2020 6:31 am
Forum: Investing - Theory, News & General
Topic: Portfolio management vs managing own?
Replies: 4
Views: 373

Re: Portfolio management vs managing own?

bz30s, I don't think 89 basis points for portfolio management is worth it. That doesn't include the underlying investment expenses. You can buy a perfectly good portfolio in a "Target Date" or "Target Retirement" fund from Vanguard or Fidelity that contains a diversified mix of US/International stoc...
by sycamore
Thu Aug 06, 2020 6:13 am
Forum: Personal Investments
Topic: Taxes Capital Gains
Replies: 5
Views: 678

Re: Taxes Capital Gains

Hello! This is my first post and I'm so happy to be a part of the Boglehead family! A quick question regarding moving out of a position in a taxable brokerage account. If I sell a position in a security and it gets put into the cash sweep vehicle, assuming there is a profit, is the capital gains ta...
by sycamore
Wed Aug 05, 2020 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Very confused about long term capital gains tax
Replies: 15
Views: 1090

Re: Very confused about long term capital gains tax

Check out the wiki for tax bracket limits and income tax and cap gains tax rates. https://www.bogleheads.org/wiki/Capital_gains_distribution#Capital_gain_rates_for_2018_and_beyond Suggest using the online 1040 calculator at https://www.mortgagecalculator.org/calcs/1040-calculator.php. Fill in your i...
by sycamore
Wed Aug 05, 2020 11:39 am
Forum: Personal Investments
Topic: Bill pay ended up sending the check to Pre-tax rather than HSA. How to correct this?
Replies: 7
Views: 422

Re: Bill pay ended up sending the check to Pre-tax rather than HSA. How to correct this?

worthit wrote:
Wed Aug 05, 2020 11:08 am
thank you, all.
sycamore wrote:
Tue Aug 04, 2020 11:13 am
worthit wrote:
Tue Aug 04, 2020 10:12 am
...deposited into my pre-tax non-prototype account...
What is a non-prototype account?

https://www.fidelity.com/retirement-ira ... only-plans
Thanks for the follow-up; I hadn't heard of that term used before.
by sycamore
Wed Aug 05, 2020 5:23 am
Forum: Personal Consumer Issues
Topic: Average gas mileage- how accurate?
Replies: 35
Views: 1691

Re: Average gas mileage- how accurate?

On average, my car reports MPG about 5% more than my manual calculation. Scion xB (Toyota) driven over 80,000 miles. I generally see higher deviation from that average when I do lots of start and stop / city driving. The car has at time reported lower MPG than actual -- a few times when I drove all ...
by sycamore
Wed Aug 05, 2020 5:13 am
Forum: Personal Investments
Topic: Costing ETF vs Mutual Fund
Replies: 9
Views: 906

Re: Costing ETF vs Mutual Fund

Given that you understand the differences between MFs to ETFs, I don't see many downsides to converting. Before converting, make sure you download and keep records of cost basis all of your funds. After converting, login and make sure your tax lots still have the correct basis. Not saying VG will me...
by sycamore
Tue Aug 04, 2020 3:22 pm
Forum: Personal Investments
Topic: Overcoming the fear of an early retirement
Replies: 117
Views: 8651

Re: Overcoming the fear of an early retirement

Have you considered taking a sabbatical, and if so, would your company support this? You sound burned out and maybe some extended time off would give you some perspective. I retired at 62 earlier this year and am pursuing p/t and volunteer work on top of fishing, tennis and golf several days a week...
by sycamore
Tue Aug 04, 2020 3:06 pm
Forum: Personal Consumer Issues
Topic: Any MVNO have 5G?
Replies: 14
Views: 805

Re: Any MVNO have 5G?

I am curious if anyone has a 5G phone on a MVNO, I am most interested in Total Wireless, and can confirm that they get 5G service. I am personally on Total Wireless with a 4G phone and I am looking at new phones in the near future. There is a premium on 5G phones and it would only be worth consider...
by sycamore
Tue Aug 04, 2020 2:55 pm
Forum: Investing - Theory, News & General
Topic: Marcus lowers savings APY from 1.05% to 0.8%
Replies: 29
Views: 2510

Re: Marcus lowers savings APY from 1.05% to 0.8%

Capital One 360 Performance Savings still at 1.00%, they say. And my 7/31/2020 monthly interest payment was 1/1187th of the balance, so that checks out. Not bragging, just dumb luck, Capital One has been "only just OK" for a long time now, and I'm sure they'll cut too. But at this particular millis...
by sycamore
Tue Aug 04, 2020 2:12 pm
Forum: Personal Consumer Issues
Topic: Any MVNO have 5G?
Replies: 14
Views: 805

Re: Any MVNO have 5G?

The subject of your post asks if any MVNO have 5G. The answer is yes, as your your indicated. And other MVNOs are offering it: https://www.reddit.com/r/NoContract/comments/gkc8q7/what_mvnos_allow_access_to_5g/ The body of your post asks if anyone has a 5G phone on a MVNO. I don't. I don't know anyon...
by sycamore
Tue Aug 04, 2020 11:13 am
Forum: Personal Investments
Topic: Bill pay ended up sending the check to Pre-tax rather than HSA. How to correct this?
Replies: 7
Views: 422

Re: Bill pay ended up sending the check to Pre-tax rather than HSA. How to correct this?

worthit wrote:
Tue Aug 04, 2020 10:12 am
...deposited into my pre-tax non-prototype account...
What is a non-prototype account?
by sycamore
Tue Aug 04, 2020 10:52 am
Forum: Personal Investments
Topic: Minor AA reallocation
Replies: 5
Views: 362

Re: Minor AA reallocation

... In my effort to get our AA Toward 50/50 I’m things on dumping this new $20k into bond fund(s). Question is which fund? Shall I add a new bond fund to the brokerage or build on what I have? More treasuries, different durations, etc.? Thanks, Agree with dbr about considering your tax situation. M...
by sycamore
Tue Aug 04, 2020 8:53 am
Forum: Personal Investments
Topic: TD Ameritrade Private Client Services
Replies: 12
Views: 965

Re: TD Ameritrade Private Client Services

My understanding is that the term was chosen to be similar to "private banking" giving it an aura of exclusivity. Yes, I know that "private" sounds better than "hoity toity exclusive." "hoity toity" lol. I don't hear this very often. If you ain't eligible for Hoity Toity Services, yer stuck with Ho...
by sycamore
Tue Aug 04, 2020 7:51 am
Forum: Investing - Theory, News & General
Topic: Dr. Wade Pfau is my guest on the "Bogleheads on Investing" podcast!
Replies: 273
Views: 12775

Re: Dr. Wade Pfau is my guest on the "Bogleheads on Investing" podcast!

How do you rebalance stocks with a SPIA though? You don’t. It’s not necessary, just like you don’t rebalance stocks with Social Security. If you’ve replaced all your bonds with annuities, you’re basically 23 again: 100% stocks in the investment portfolio. You seem convinced. Forced to guess, do you...
by sycamore
Tue Aug 04, 2020 7:05 am
Forum: Personal Consumer Issues
Topic: Adobe PDF - "copy as table" - cheapest way to do this
Replies: 6
Views: 465

Re: Adobe PDF - "copy as table" - cheapest way to do this

An alternative to Adobe PDF is Foxit Reader. It's free. I can't say for sure but it might let you export the table. Foxit also has PhantomPDF editor, with a free trial.