Bogleheads.org

Do what you want.

I haven't changed anything outwardly in 15+ years. Except I bought an equivalent model new car when my old one became untenable at about 300,000 miles. It now has several cosmetic dings that I haven't fixed. No one has any reason to be jealous of me.

I think if Vanguard labeled them as ROTH IRAs, that would likely be sufficient to start multiple threads and pan the UI, so I say go for it!

Roth is not an acronym.

Yes, I did it myself with an iPhone 5 battery replacement kit from iFixIt.

I dropped it after a year on a new car purchased without financing.

My opinion is that unfortunately this thread will probably be locked.

Comparing it to the return on the former investment pool at Edward Jones over the same time period is the key to feeling less bad about this.

I would like to post a picture of George Costanza wearing a big Gore-Tex coat, but I can't risk another board warning for distracting graphics.

Sorry, is this Bogleheads.org or r/wallstreetbets?

SmileyFace wrote: ↑Sat Mar 18, 2023 4:37 pm Will this become the new "Stock Market in Free Fall" thread?

My thoughts also upon clicking.

This is not the first time in human history that technological developments have necessitated some infrastructure upgrades and adaptations. Is it really that big a deal?

This thread inspired me to check and re-confirm by electrical service. The house was built in 1984. I have 200A service, but maybe this is to be expected because all appliances and heating are electric -- no gas.

It doesn't sound like the cost is a barrier to YOU, so is your concern about the cost to upgrade panels largely altruistic in nature, or perhaps driven by a greater concern about the expected societal consequences of doing nothing and continuing down the ICE path indefinitely?

I don't have the answer, but mutual funds settle quickly, and you can sell and send the redemption proceeds to a linked checking account in one step, rather than waiting for settlement and then requesting a separate ACH transfer. I'm going to say 3 days.

Not a credit rating change, but a downward revised outlook.

But what about 0.20000% ?!

Now wait just a minute!

My expense ratio is 0.200%

Do those claiming to live in a so-called "nice neighborhood" ever consider that this may in fact make you an increased target for such vandalism? Thieves have means to travel after all. A high density of moderately wealthy people with the stereotypical oversized-for-actual-use and elevated trucks and SUVs seems like an excellent target area with the additional benefits of a false sense of residential security and the thieves easily being able to justify their actions to themselves as a victimless crime against the affluent. My strategy is to live out in the country and to drive such a low-end and crappy vehicle that I am never a target for much of anything. Make sure to never wash it and to never adequately repair any incidental c...

some service jobs (e.g. barber) would seem hard to automate. So hard that a lone engineer built one in his basement to give himself a haircut during the pandemic! https://youtu.be/7zBrbdU_y0s https://youtu.be/WQ8Xgp8ALFo Mainly, I just want more people to watch this excellent engineering content and feel as inadequate as I do. But giving a haircut is not the only reason people go to a barber; they are part-therapist as they listen to everything you say and a discussion occurs. A robot will not do that yet. Ask me how I know you didn't watch the video. . . He programmed robot barber small talk. Here are the time-stampped links: https://www.youtube.com/watch?v=7zBrbdU_y0s&t=81 https://www.youtube.com/watch?v=7zBrbdU_y0s&t=180 https:/...

watchnerd wrote: ↑Mon Mar 13, 2023 11:19 am some service jobs (e.g. barber) would seem hard to automate.

So hard that a lone engineer built one in his basement to give himself a haircut during the pandemic!

https://youtu.be/7zBrbdU_y0s
https://youtu.be/WQ8Xgp8ALFo

Mainly, I just want more people to watch this excellent engineering content and feel as inadequate as I do.

masonbarn272 wrote: ↑Sun Mar 12, 2023 1:06 am What are the odds that my retirement is gone. . .

Zero percent chance.

nisiprius wrote: ↑Thu Mar 09, 2023 7:00 pm

Cheez-It Guy wrote: ↑Tue Mar 07, 2023 6:24 am

nisiprius wrote: ↑Mon Mar 06, 2023 7:02 pm Tim Mortimer was telling Barry Ritholtz in a podcast about how their development methodology is so rapid

He goes by Tim Vanguard.

Fixed. Thanks.

Sorry, I thought it was an intentional Vanguard-flavored callback to "Tim Apple".

https://youtu.be/tXofQ7ga174

Eda44 wrote: ↑Thu Mar 09, 2023 6:02 pm This is brilliant. I totally took the spread-out 401K route with my HSA, but without an employer HSA contribution anymore, you’re right, there is absolutely no reason to spread it out. Thank you .

Go ahead and max for 2023 and be done with it!

This is one reason why I don't spread out HSA contributions. I front-load them and hit the annual limit exactly in 1 or 2 payment cycles and then set it to zero for the rest of the year. I don't want to play payroll games any more than I have to.

Maxing the 401(k) without missing any company match is the most work. Every time I figure it out, the company changes something. Used to be able to front-load without missing company match on the back half. Now I can't. Used to get paid 13 times a year, now 26 times. Delayed expected inflation adjustment to compensation by 2 months due to general economic uncertainty after I already had everything mapped out for 2023. Oh well. First World problems!

This thread continues because people continue to make repetitive individual complaint threads which then get merged here.

Yes, some in this thread did.

Yes, but who would be actively advocating that they couldn't stop the program until they got rid of existing paper? Shredders and incinerators get rid of paper just fine. The government should hire me as an efficiency consultant!

Do you think these bonds were really all pre-printed, or is it just that they haven't changed the design series since the Tim Geithner days? Perhaps like banknotes they cannot change without an official process and security overhaul?

Think they will have a shorter form in the future?

My understanding was that they (Treasury) had finally used up their stockpile of small denominations (which resulted in many of us getting 12 separate paper bonds last year)... and are now sending out "large bills only." That leads me to believe that once the stockpile of blanks diminishes overall, the Form 8888 paper bond program may be discontinued. They are certainly not printing new ones; my 03/2023 $5000 I-Bond has Timothy Geithner's signature. Mr. Geithner hasn't been Treasury Secretary since early 2013. I've read all these theories before, but if they wanted to eliminate the paper bonds, wouldn't destroying the printed but unissued bonds be by far the cheaper way to go? They mail each one in a separate envelope, and then m...

MrMars wrote: ↑Sun Feb 19, 2023 2:03 pm

SpookyKG wrote: ↑Sun Feb 19, 2023 10:46 am

TenS2XS wrote: ↑Sun Feb 19, 2023 10:28 am I chose to get a portion of a refund in I bonds several years ago but haven't since mainly because when I did, I had no control over the denominations I received. So, I ended up with a bunch of paper bonds in a variety of amounts rather than the fewest possible that matched my refund amount.

This year I got a single $5K bond - Marian Anderson

Us too. Should make the conversion process shorter!

Don't count on it!

I didn't hit $5000 this year and could only do $4250, but I did notice that they did it with the fewest possible bonds (6) versus last year when I got $3000 spread across 10 bonds instead of the most practical -- 3.

jpelder wrote: ↑Thu Mar 09, 2023 8:39 am

Cheez-It Guy wrote: ↑Thu Mar 09, 2023 6:45 am Try Jethro Tull Mobile instead. A variety of flute ringtones come standard.

The service is terrible, though. It only works if you're sitting on a park bench (or on a bungle in the jungle).

Also if you're thick as a brick.

Jethro Mobile appears to be a MVNO on the T-Mobile network. There are lots of MVNO's with low-cost service out there. $100/yr with no data sounds ok, but that's what I pay with data (1gb a month). I think you can find a better deal if you don't need/want data, but you'll have to shop around. I don't know anything specific about Jethro Mobile, but the customer service from the MVNO's usually isn't great - if you don't have any problems and don't need customer service, that's fine. My elderly mother seems to have all sorts of problems, and having a 'Verizon Store' near her has helped get all kinds of service issues sorted out... but for that convenience, she's paying several times what I do for mobile service. What service do you use for tha...

Comprehensive and collision insurance is not legally required. You can choose liability only which shouldn't be elevated for EVs, I wouldn't think. Then just don't have an accident that's your fault.

Try Jethro Tull Mobile instead. A variety of flute ringtones come standard.

Configure your local time in settings.

Bogleheads is on US Central time.

sal14 wrote: ↑Wed Mar 08, 2023 9:09 am

jebmke wrote: ↑Wed Mar 08, 2023 8:57 am You should be able to determine if there is a computational error or not by inspecting the return and any schedules. Most of the computations are quite simple -- addition and subtraction. Sometimes they throw a hardball and ask for multiplication and/or division.

My main concern is that the CPA made the calculation error, I'm wondering if he is required to own up to it and do a correction?

Unknown, but you're certainly not required to use the CPA again.

I mailed mine Thursday, February 16 and received the acknowledgement email early in the morning on Thursday, February 23. Estimate up to 13 weeks.

Is it unreasonable to expect transparency for the two balances? No. It is not. I guess I am fortunate because I can see everything in my 401(k) by money source - employee pre-tax, employer match, qualified rollover, etc. There are something like 30 different possible classifications. And I can specify money source if I do transfers or other transactions. It will default to all money sources but it will ask if I want to specify one. I know they have to track all this in the back-end record keeping system but I guess they don’t see the need to expose it to the customer, despite its usefulness. Perhaps they think displaying this information would be unnecessarily confusing and would lead to additional questions and customer service interactio...

Is it unreasonable to expect transparency for the two balances? No. It is not. I guess I am fortunate because I can see everything in my 401(k) by money source - employee pre-tax, employer match, qualified rollover, etc. There are something like 30 different possible classifications. And I can specify money source if I do transfers or other transactions. It will default to all money sources but it will ask if I want to specify one. I know they have to track all this in the back-end record keeping system but I guess they don’t see the need to expose it to the customer, despite its usefulness. Perhaps they think displaying this information would be unnecessarily confusing and would lead to additional questions and customer service interactio...

I have the same situation at T. Rowe Price. In most views, the balances seem commingled, but there is one place I can go on the website to see the breakdown by the different buckets, and like the OP I have several based on changes made to my 401(k) plan rules over time (like before and after it became a Safe Harbor type plan). I have chosen not to worry about it and to deal with it at the time of eventual rollover. It's clear enough that they are accounting behind the scenes and have the necessary breakdowns, though I would of course welcome additional transparency and resolution. I would not personally select different investments for the different buckets if given the option, so that's not much of a consideration for me.

nisiprius wrote: ↑Mon Mar 06, 2023 7:02 pm Tim Mortimer was telling Barry Ritholtz in a podcast about how their development methodology is so rapid

He goes by Tim Vanguard.

Glad you got it. No, Vanguard Mutual Fund Accounts is for people who are still on the old mutual fund only platform.

krick wrote: ↑Mon Mar 06, 2023 6:19 pm

Big Dog wrote: ↑Wed Jan 25, 2023 6:08 pm I was able to download the consolidated brokerage form today with no issue, but it kept balking at the 1099-R. After several tries, I gave up and just entered the info manually.

This is the same issue I'm running into. The consolidated brokerage info downloads just fine. But I can't get it to download the 1099-R for my Traditional Rollover IRA account.

Have you tried it with both the origin and the recipient account numbers? I don't recall which one is to be used.

Congratulations on achieving the status of multimilliomaire.

Here's a "conspiracy theory" from only 3.5 years ago which explains some things:

https://www.propublica.org/article/insi ... r-free/amp

I will say it more explicitly in case people are unaware.

TurboTax changes their fees based on timing every year. If you file in February, the fees are lower to begin with. Also check your credit cards for offers to save money or get a credit on spending with Intuit TurboTax products. Collectively, this really softens the blow.

Bonds and the Mets go together like pizza and beer!

You will be fine. I also consolidated assets at Vanguard. Personally, I prioritize optimal financial outcomes over occasionally nice-to-have features like chat. Me too which is why I move my assets to various brokerages to collect bonus money. Also a good strategy if you want to put in the effort and leave the digital breadcrumbs. I love bonuses on services I already use or plan to switch to for the long haul, but otherwise have not decided to take on that task. To me the difference between brokerages is small and the effort to transfer so small that it makes the rewards very worthwhile. I understand. It's a valid approach, and you certainly can make plenty of money doing it. I just personally don't want to take it on right now. With each ...

No, I pay $20 by filing in February before fees go up March 1. I also have been getting a $10 Chase rebate in recent years, so net $10. My state does not have their own free filing portal, but otherwise that sounds like a good idea.

I typically have a refund, so I'd rather get it sooner, and as for printing a ream of paper, getting a large manila envelope, and physically going into the post office to weigh and assign direct postage, that was a hard no during the pandemic, not to mention the huge backlog of returns. If I had to pay a bill, maybe my opinion would change. I don't like the fee, but I can afford $10. The net expense increase is more like $7-$8 when you consider paper, ink, envelope, postage, fuel, and time.