Search found 42 matches

by CheckMate404
Mon Sep 14, 2020 10:45 pm
Forum: Investing - Theory, News & General
Topic: Variable Universal Life Insurance Experts - Seems Like a No Brainer - Please Read
Replies: 90
Views: 4526

Re: Variable Universal Life Insurance Experts - Seems Like a No Brainer - Please Read

The answer is obvious. It seems the main thing you’re trying to avoid, is the resulting capital gains taxes from rebalancing. Without this, you seem to acknowledge the tax benefit doesn’t come close to overcoming the life insurance related fees. Furthermore, your goal is to hold the S&P500. Isn’t th...
by CheckMate404
Mon Sep 14, 2020 10:15 pm
Forum: Personal Consumer Issues
Topic: charging an EV
Replies: 250
Views: 15371

Re: charging an EV

I like the idea of reducing pollution so I'm looking at buying an electric vehicle. My main concern is that the small number of charging stations which would limit long-distance trips. Also, having to wait more than 20 min for a full charge is just too much time. Anyone have similar hesitation? la....
by CheckMate404
Sat Aug 22, 2020 6:30 pm
Forum: Personal Consumer Issues
Topic: charging an EV
Replies: 250
Views: 15371

Re: charging an EV

I like the idea of reducing pollution so I'm looking at buying an electric vehicle. My main concern is that the small number of charging stations which would limit long-distance trips. Also, having to wait more than 20 min for a full charge is just too much time. Anyone have similar hesitation? We ...
by CheckMate404
Sun Jul 19, 2020 11:17 pm
Forum: Personal Consumer Issues
Topic: Picking a VPN -- 2019
Replies: 47
Views: 6194

Re: Picking a VPN -- 2019

Privacytools.io has, in my opinion, the most comprehensive criteria for a VPN provider to make their list: https://www.privacytools.io/providers/vpn/ Namely: Jurisdiction: Operating outside the USA or other Five Eyes countries. Security: Has published the results of independent audits. Marketing: Mu...
by CheckMate404
Sun Jun 14, 2020 1:33 pm
Forum: Forum Issues and Administration
Topic: Support the site through Brave Browser?
Replies: 15
Views: 1793

Re: Support the site through Brave Browser?

Showing as verified now and was able to contribute what I generated from my ads. Government anti-money laundering laws are the culprit here. Bogleheads.org signed up as a Brave Rewards Creator, but didn't do the KYC (Know Your Client) requirements. As a result, we are free to donate money we get fr...
by CheckMate404
Sun Jun 07, 2020 2:53 am
Forum: Forum Issues and Administration
Topic: Support the site through Brave Browser?
Replies: 15
Views: 1793

Re: Support the site through Brave Browser?

I set it up. It wasn't much trouble and does not require us to put trackers or anything else on our pages (which was my concern). So now we have 99.34 BAT in our account which is apparently worth around $20. But BAT is a cryptocurrency and the only way to redeem it is to create an account on crypto...
by CheckMate404
Wed Jun 03, 2020 2:48 pm
Forum: Personal Consumer Issues
Topic: Fold Flat Seats in a 2019/2020 car
Replies: 41
Views: 2700

Re: Fold Flat Seats in a 2019/2020 car

There’s nothing to worry about. You tell the car where you want to go, and the car tells you if you can make it there and back. It does all the calculations regarding your current battery level, how far you’re going, the weather, the places to charge along the way...etc. If it can’t figure out a wa...
by CheckMate404
Sat May 30, 2020 9:39 pm
Forum: Personal Consumer Issues
Topic: Fold Flat Seats in a 2019/2020 car
Replies: 41
Views: 2700

Re: Fold Flat Seats in a 2019/2020 car

Used to be a guy who would recommend a Crown Victoria for pretty much every use case. If you don't like the minivan then maybe that? Seriously- you have a very strange list. The only other list I can think of that would have the both Yaris and the Land Cruiser is the list of "cars most different in...
by CheckMate404
Sat May 30, 2020 5:50 pm
Forum: Personal Consumer Issues
Topic: Fold Flat Seats in a 2019/2020 car
Replies: 41
Views: 2700

Re: Fold Flat Seats in a 2019/2020 car

Used to be a guy who would recommend a Crown Victoria for pretty much every use case. If you don't like the minivan then maybe that? Seriously- you have a very strange list. The only other list I can think of that would have the both Yaris and the Land Cruiser is the list of "cars most different in...
by CheckMate404
Sat May 30, 2020 12:58 am
Forum: Personal Consumer Issues
Topic: Fold Flat Seats in a 2019/2020 car
Replies: 41
Views: 2700

Re: Fold Flat Seats in a 2019/2020 car

I’m over 6ft and have no trouble camping in my Tesla Model 3. The seats fold flat and there’s room enough for 2. Since you’re looking at SUVs, the Tesla Model Y is much bigger and might be a better fit. https://i.imgur.com/u8Mmojam.jpg And frankly, no other car has anything similar to Tesla’s Campin...
by CheckMate404
Wed May 20, 2020 8:47 pm
Forum: Forum Issues and Administration
Topic: Support the site through Brave Browser?
Replies: 15
Views: 1793

Re: Support the site through Brave Browser?

I set it up. It wasn't much trouble and does not require us to put trackers or anything else on our pages (which was my concern). So now we have 99.34 BAT in our account which is apparently worth around $20. But BAT is a cryptocurrency and the only way to redeem it is to create an account on crypto...
by CheckMate404
Wed May 20, 2020 7:35 pm
Forum: Forum Issues and Administration
Topic: Support the site through Brave Browser?
Replies: 15
Views: 1793

Re: Support the site through Brave Browser?

For example, freecodecamp.org doesn’t run ads. Here’s an article they wrote showing how much they’ve received, and how it works: https://www.freecodecamp.org/news/the-brave-browser-how-much-money-can-your-website-make-as-a-publisher They aren’t getting rich by any means, but it can cover server cost...
by CheckMate404
Wed May 20, 2020 7:08 pm
Forum: Forum Issues and Administration
Topic: Support the site through Brave Browser?
Replies: 15
Views: 1793

Re: Support the site through Brave Browser?

There are two ways users can get money into their browser which can be auto-donated to Bogleheads: 1. Viewing opt-in ads within the browser, via browser notifications (not on bogleheads.org). Once the money is in the browser, it auto-distributes to the websites you spend the most time on, even if th...
by CheckMate404
Wed May 20, 2020 6:11 pm
Forum: Forum Issues and Administration
Topic: Support the site through Brave Browser?
Replies: 15
Views: 1793

Support the site through Brave Browser?

I just saw the "Support the site through Amazon?" post, and thought it'd be great to be able to support Bogleheads.org through Brave Browser. Brave browser automatically sends money to the websites you spend the most time on, and I spend most of my time on Bogleheads :) My browser tries to send mone...
by CheckMate404
Mon May 11, 2020 8:19 pm
Forum: Personal Investments
Topic: Schwab and Fractional Shares for ETFs
Replies: 6
Views: 857

Re: Schwab and Fractional Shares for ETFs

I see “Schwab Stock Slices” on their front page, but haven’t seen anything specifically regarding fractional shares for ETFs. I asked a rep about it the other day, and they couldn’t point me to anything on their site indicating when fractional shares for ETFs would be available. Has anyone seen anyt...
by CheckMate404
Wed Apr 29, 2020 2:27 pm
Forum: Personal Investments
Topic: Best brokerage with robo-like features
Replies: 29
Views: 1304

Re: Best brokerage with robo-like features

Value tilts? Home bias? You’re overthinking it. Just buy the Vanguard Total World Stocks Fund and you’ll have everything you asked for. 100% stocks diversified across the world Buy/sell conveniently, in dollar amounts so no cash is uninvested, with the ability to schedule regular deposits/withdrawls...
by CheckMate404
Thu Apr 23, 2020 7:38 am
Forum: Personal Investments
Topic: All the upside of the S&P with 10% downside protection "Free"?
Replies: 116
Views: 8251

Re: All the upside of the S&P with 10% downside protection "Free"?

Sounds like a used car salesman. I’ve seen this go poorly time and time again. All that matters is what’s written down in the contract. Knowing this, it’s up to you if you feel comfortable investing with someone who is explicitly giving you information that’s directly contradictory to the contract y...
by CheckMate404
Sun Apr 12, 2020 5:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date Funds Still Apply to Earlier Retirement Date?
Replies: 12
Views: 889

Re: Vanguard Target Date Funds Still Apply to Earlier Retirement Date?

The standard recommendation, even if you’re retiring at a very young age, is to pick based on the year you were born. Vanguard separates the funds by Birth Year: https://investor.vanguard.com/mutual-funds/target-retirement/#/ If you retired today at 40, you likely wouldn’t want to drop down to the 3...
by CheckMate404
Sat Apr 11, 2020 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Had trouble finding an easy-to-use Spending/Investment Tracking software. What's your favorite?
Replies: 19
Views: 1106

Re: Had trouble finding an easy-to-use Spending/Investment Tracking software. What's your favorite?

I have only used it a little, but Tiller is, I believe, more focused on tracking and what not. It runs through Google Sheets, but the company builds the sheets and imports all your transactions. +1 For Tiller if you just want tracking: https://www.tillerhq.com/ I prefer using YNAB though. They make...
by CheckMate404
Thu Apr 09, 2020 11:00 pm
Forum: Personal Investments
Topic: Boglehead has strayed. How to get back in the market?
Replies: 51
Views: 5986

Re: Boglehead has strayed. How to get back in the market?

So 50/50 stocks/bonds was too risky for you to stay the course. From your reaction over the previous weeks, do you feel you could've ignored the noise if you were 20/80 stocks bonds? You sold your bonds too, so did you need to be 20/80 stocks/treasuries? Could you sustain your current retired lifest...
by CheckMate404
Thu Mar 12, 2020 9:53 am
Forum: Investing - Theory, News & General
Topic: Why are bonds falling?
Replies: 236
Views: 6212

Re: Total Bond Market Down >4%

If bond prices are down, that means yield just went up. Yields did not go up, infact they are DOWN sharply. Bonds are selling off for other reasons - perhaps redemptions, perhaps due to the BB and BBB debt in their holdings that are preceived as a default risk. It isn't interest rate related becaus...
by CheckMate404
Thu Mar 12, 2020 9:23 am
Forum: Investing - Theory, News & General
Topic: Why are bonds falling?
Replies: 236
Views: 6212

Re: Total Bond Market Down >4%

If bond prices are down, that means yield just went up. Unless there are a large number of defaults, you’ll end up getting the same return over the long term either way.

Stay the course.
by CheckMate404
Fri Aug 09, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: Cloud Backup solutions for 2019?
Replies: 21
Views: 1440

Re: Cloud Backup solutions for 2019?

https://i.imgur.com/X5nqGDm.png Note, this is for recordable media, not the pressed movie discs you buy at the store. LOL. What is this garbage?:) Quality Blu Ray optical media has been acceleration aging tested to last multiple human lifespans. Say what you want about acceleration ageing testing, ...
by CheckMate404
Fri Aug 09, 2019 1:14 pm
Forum: Personal Consumer Issues
Topic: Cloud Backup solutions for 2019?
Replies: 21
Views: 1440

Re: Cloud Backup solutions for 2019?

I am curious to see what responses you get. I have a terabyte of storage in Microsoft OneDrive thru our household Office subscription, but that is really file SYNC -- which does not protect you from yourself. Too easily to delete something everywhere. The best protection from yourself, and other ri...
by CheckMate404
Fri Aug 09, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: Cloud Backup solutions for 2019?
Replies: 21
Views: 1440

Re: Cloud Backup solutions for 2019?

I use Arq and back up concurrently to a local external HDD and a remote Backblaze B2 bucket. This page on the Arq web site compares and walks through some of the options. https://www.arqbackup.com/documentation/pages/strategy.html Some of the cloud services have complicated pricing schemes. B2 is v...
by CheckMate404
Fri Aug 09, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: Cloud Backup solutions for 2019?
Replies: 21
Views: 1440

Re: Cloud Backup solutions for 2019?

I'll give some solutions I've used, in order from ease of use. 1. Arq Cloud Backup, it's essentially Apple Time Machine in the cloud, and backups your data directly to Wasabi without you having to configure anything: https://www.arqbackup.com/arqcloudbackup/ 2. Arq Backup. Same as above, but you can...
by CheckMate404
Thu May 30, 2019 12:21 pm
Forum: Personal Investments
Topic: Taxable Bond or Muni?
Replies: 18
Views: 3454

Re: Taxable Bond or Muni?

Dialectical Investor wrote: Wed May 29, 2019 7:05 pmThese bonds are priced for investors in the middle-high to high tax brackets at all times.
Agreed. And doing the math is the best way to determine which specific tax bracket these bonds are priced for. It's not perfect, but otherwise the information isn't actionable, as "high" is subjective.
by CheckMate404
Wed May 29, 2019 5:03 pm
Forum: Personal Investments
Topic: Taxable Bond or Muni?
Replies: 18
Views: 3454

Re: Taxable Bond or Muni?

I would not use a tax-equivalent yield calculator to make this decision unless you also think it makes sense to alter you bond allocation based on credit spreads, term premiums, and other yield differentiators--i.e., just investing in the bonds the market is pricing as riskier. Higher tax bracket: ...
by CheckMate404
Tue May 28, 2019 12:57 pm
Forum: Personal Investments
Topic: Taxable Bond or Muni?
Replies: 18
Views: 3454

Re: Taxable Bond or Muni?

Let's forget about the standard recommendation for a moment, and see how to do the math for your specific situation. Don't worry, there's a calculator :) Step 1: Find the yield of the default bond fund: Vanguard Total Bond Market https://investor.vanguard.com/mutual-funds/profile/VBTLX 2.85% Step 2:...
by CheckMate404
Wed Apr 24, 2019 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Rent vs. Buy Calculator What Inputs Should I Assume?
Replies: 17
Views: 1184

Re: NYT Rent vs. Buy Calculator What Inputs Should I Assume?

The NY Times calculator is a good baseline, but I prefer this calculator when I want to go deep: https://michaelbluejay.com/house/rentvsbuy.html It shows the year-by-year spreadsheet down below which I found more useful than the Break Even number from the NY Times. That said, I use average numbers ...
by CheckMate404
Wed Apr 24, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: NYT Rent vs. Buy Calculator What Inputs Should I Assume?
Replies: 17
Views: 1184

Re: NYT Rent vs. Buy Calculator What Inputs Should I Assume?

The NY Times calculator is a good baseline, but I prefer this calculator when I want to go deep: https://michaelbluejay.com/house/rentvsbuy.html It shows the year-by-year spreadsheet down below which I found more useful than the Break Even number from the NY Times. That said, I use average numbers f...
by CheckMate404
Wed Oct 10, 2018 10:30 am
Forum: Personal Investments
Topic: Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?
Replies: 19
Views: 2634

Re: Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?

One more item I like about Fidelity, which Vanguard doesn't offer. It selects the best shares to sell by default. While it's not difficult to accomplish the same with Vanguard manually, this definitely makes things easier both for me, and for my partner who might not necessarily want to learn tax-ef...
by CheckMate404
Sun Oct 07, 2018 10:38 pm
Forum: Personal Investments
Topic: Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?
Replies: 19
Views: 2634

Re: Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?

I've been wanting to simplify as well, from Ally/Fidelity/Vanguard to just Fidelity (or something similar). A couple things holding me back: 1. I don't think I can wire money from Fidelity to a third party. It looks like you can wire money to your own account at another institution, but not to some...
by CheckMate404
Sun Oct 07, 2018 10:01 pm
Forum: Personal Investments
Topic: Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?
Replies: 19
Views: 2634

Re: Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?

I assume your thinking is that using the CMA/margin combo, you will significantly reduce your cash buffer -- and will put the money into VT (or equivalent) instead? Correct Some thoughts: 1. How often would an overdraft/margin happen? Would it be a regular occurrence (e.g. once a month)? If it happ...
by CheckMate404
Sun Oct 07, 2018 6:52 pm
Forum: Personal Investments
Topic: Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?
Replies: 19
Views: 2634

Re: Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?

I've been wanting to simplify as well, from Ally/Fidelity/Vanguard to just Fidelity (or something similar). A couple things holding me back: 1. I don't think I can wire money from Fidelity to a third party. It looks like you can wire money to your own account at another institution, but not to some...
by CheckMate404
Sun Oct 07, 2018 5:26 pm
Forum: Personal Investments
Topic: Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?
Replies: 19
Views: 2634

Re: Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?

I think you're merging a few questions together that don't really have to be. You can determine whether a Vanguard ETF or an iShares ETF is cheaper to hold independent of where you hold it. You can trade iShares at Vanguard for free; you can trade Vanguard at Fidelity for free if you transfer holdi...
by CheckMate404
Sun Oct 07, 2018 5:14 pm
Forum: Personal Investments
Topic: Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?
Replies: 19
Views: 2634

Re: Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?

Is this expense ratio savings thru fidelity? Coz if it's interest rate Vanguard Federal MM 2% Vanguard Prime MM 2.15% You can set up direct deposit to federal MM. Not sure what you are saving here. I can setup a direct deposit to a Money Market amount with Vanguard, but if I don't have VanguardAdva...
by CheckMate404
Sun Oct 07, 2018 5:11 pm
Forum: Personal Investments
Topic: Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?
Replies: 19
Views: 2634

Re: Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?

Which of the 3 would you pick for your aging 80-90 year old parents and grandparents? Not sure, I haven't tried VanguardAdvantage yet to see how smoothly it works. I'd probably tell them to pick Fidelity so they have a local office to talk to, but that's not an issue for me. How often do you bounce...
by CheckMate404
Sun Oct 07, 2018 12:15 pm
Forum: Personal Investments
Topic: Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?
Replies: 19
Views: 2634

Re: Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?

I don't think Vanguard charges any commissions on those iShares ETFs anymore. I wouldn't waste that much money by having it in money market fund with such a high initial minimum investment amount. The wonderful thing about that money market fund, is it only requires $100k as an initial investment. ...
by CheckMate404
Sun Oct 07, 2018 12:13 pm
Forum: Personal Investments
Topic: Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?
Replies: 19
Views: 2634

Re: Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?

A good plan you can maintain on a long term basis is better than a "perfect" plan that my be a moving target over the years. With your income, if the 1000.00 per year seems like a boost, just save 101K per year instead of 100K. I will admit I am a long term Vanguard investor, but am considering mov...
by CheckMate404
Sun Oct 07, 2018 12:02 pm
Forum: Personal Investments
Topic: Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?
Replies: 19
Views: 2634

Re: Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?

If you're moving that much money to Fidelity I'd make sure to grab the free trades offer on the way in. Then you can continue buying Vanguard ETFs for free. Personally I don't mess with margin and overdraft, I just hold enough cash + money market in the CMA for expenses and emergencies and transfer...
by CheckMate404
Sun Oct 07, 2018 12:36 am
Forum: Personal Investments
Topic: Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?
Replies: 19
Views: 2634

Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?

Fidelity has a Cash Management Account which provides checking and other banking features, in additional to normal investing: https://www.fidelity.com/cash-management/fidelity-cash-management-account/overview? I'm currently with Ally Bank, and I transfer extra money to my Vanguard account at the end...