Bogleheads.org

I drive a 2017 Ford Focus SE Hatchback purchased brand new (7 miles on odometer) from a dealer in April 2017 for $16,500 total out-the-door. It now has around 62,000 miles, and the average MPG over the life of the vehicle is 44 comprising mixed city and highway use, as meticulously tracked in a spreadsheet. I drive very efficiently, though. This far exceeds EPA estimates. It is NOT a hybrid -- 2.0 L Flex Fuel. I've only ever used 87 octane gasoline. Individual segments of 20+ miles have been as high as 60 MPG.

Also enter your street address and 5-digit ZIP code here without the city and confirm the resultant USPS corrected address including city and ZIP+4:

https://tools.usps.com/zip-code-lookup.htm?byaddress

Whatever the result, that's what USPS says your address is.

ZIP codes can certainly apply to multiple municipalities. I ship packages via FedEx a lot for business purposes, and their system has you input the ZIP code BEFORE the city, and then you can optionally select the city from a pre-filtered drop-down list. It's not uncommon to see 2 or even 3 different cities listed for the same ZIP code. You might have been caught in such a situation. ZIP codes also can span multiple counties, which sometimes causes confusion.

Isn't the thread title itself a question? Seems pretty clear.

"Ol' preacher said some words and they chunked him in the clay. . ."

I think the most satisfying gift is an anonymous one, because it is difficult to view that as being self-serving, and the bonus is you don't get immediately nagged for more.

https://youtu.be/JqrJ4wGid4Y

Might want to take notes:

https://youtu.be/iVzGdLDBGas

Same keys are true for burgers.

But if you are going to stay at Vanguard, you really should go ahead and migrate to the supported platform and stop playing this game of resistance to change unless you have very compelling reasons to stay on the old platform. You will only find it increasingly more frustrating in the future. You're about a decade behind schedule already.

If you ever sell, as long as you sell ALL the shares that are currently grouped under average cost at the same time, then the total reported basis for those shares will be the same regardless of accounting method. That may or may not help you.

Switching to a Brokerage Account type in no way forces a conversion to ETFs. If you like your mutual funds, keep them. I did.

If you just let your money market dollars stay in the settlement fund of your brokerage account, which quite literally IS the Vanguard Federal Money Market Fund (VMFXX), you should actually see a reduction of number of funds as listed in your account. So are you saying 1) move all my Fed MM mutual fund - to my Fed MM Settlement fund? 2) Then close the Fed MM Mutual fund? 3) Then for simplicity sake, I would have only one Money Market fund, and it would be in the Settlement fund? If I am correct, is the settlement MM fund exactly the same in terms of it returns, structure, etc? I'm curious what the elements that are different between the two. There must be some difference or they wouldn't allow you to have them in 2 places (in the same IRA)...

If you just let your money market dollars stay in the settlement fund of your brokerage account, which quite literally IS the Vanguard Federal Money Market Fund (VMFXX), you should actually see a reduction of number of funds as listed in your account.

Is this strategy something we want to publicize for potential targeting? I guess the article will be written with or without Boglehead cooperation.

^Good detail! Thanks!

Ford Focus

I didn't know that (or not in that level of detail). Thanks! But I agree the iPhone 5 was easy if you can follow basic directions, except actually removing the original battery, (which was affixed with some pretty strong adhesive or adhesive tape on the inside).

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.