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Pandemic Bangs

I just went from Yosemite (I think; late 2015 Mac) to Big Sur and I wish I could have done a less drastic upgrade but that's all there is. I even toyed with buying a third-party-sold version of Catalina but even that was unavailable. I'm sorry you didn't know that older versions of OS (Catalina, Mo...

Pandemic Bangs

Nice portfolio size for age! Sorry about the impending termination (?).

For the bump:

Can you update with ETF/fund names so others can weigh in?

Maybe include the math on your total asset allocation?

Then it's easy for others to comment at a glance.

Pandemic Bangs

Age: Me 44 / Wife 44; 3 children (16, 12, 8) Desired Asset allocation: 83% stocks / 7% REIT / 10% bonds Desired International allocation: 25% of stocks Size of your current total portfolio: Mid six figures Taxable - Vanguard 2.3% Vanguard Tax-Exempt Bond Index Fund Admiral Shares (VTEAX) (0.09%) 2....

Pandemic Bangs

Welcome! This is a great resource for framing your question in a way that folks can answer: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 As a first pass, include the full names and ERs for these ETFs. And know that no one can look at this one account in isolation without knowing the...

Pandemic Bangs

Lots of assets -- congrats! That's terrific. I suspect you are in a high-CG bracket. The rest here is predicated on that. I would move the taxable to VG or Schwab or Fido and ask ahead of time what can move in kind . (And ask about a transfer bonus at the same time.) Then you can take your time and ...

Pandemic Bangs

Couple Bitcoins every year :D. At 2, it's a gift to the parents unless you have some mechanism in mind. Spouse and I disagree on this. I got tons of $5 gifts as a kid from aunts and uncles that I "put toward my college education." Wrote that in all my thank-yous :D. I never saw those dolla...

Pandemic Bangs

My only experience from the US side was when an ADR was permitted to lapse (tactically) and the shares were stuck on the originating country's exchange (Santiago, IIRC) and I could not access them for love or money without establishing residency there. Which I did not do :D. I vowed to never mess wi...

Pandemic Bangs

For the bump:

You might get more answers if you specified what kind of practice. Law, medicine, etc? Or did you omit that on purpose to cast a wide net?

Pandemic Bangs

The upgraded suspension, seats, and the better-looking front/rear clip and factory wheels is what I wouldn't mind having. Embarrassed to say I did not know that the suspension was unique to M-sport. Not sure if this applies to both models but while driving, it's super-obvious that "Sport"...

Pandemic Bangs

I just went from Yosemite (I think; late 2015 Mac) to Big Sur and I wish I could have done a less drastic upgrade but that's all there is. I even toyed with buying a third-party-sold version of Catalina but even that was unavailable. Like others, I did this at home because I could no longer access o...

Pandemic Bangs

Tiny bit of 1 and 2 from pre-BH days and that I have resisted unwinding because of CG implications...

I hope that does not keep me out of the club

I think I make up for it by being boring in other ways.

Pandemic Bangs

Have not been able to find any reviews online for TIAA Safe Estate . Been there -- on the other side of this. Your heirs need this, not you, imo. Just one more thing that nobody can access once you are dead. How eager will TIAA be to give the keys to someone else? I have never awoken in the middle ...

Pandemic Bangs

I am allowed one filing cabinet :D. A folder for everything but I constantly prune by dates and importance. Car titles are in the safe-deposit box. SS cards and passports are elsewhere. I don't think we have anything else that is that important...? To your point, we did keep all our refi docs when t...

Pandemic Bangs

Compared to current allocation he recommends: -1.43% large cap growth +1.58% large cap value -0.95% mid cap growth +.26% mid cap value +1.72% small cap growth +3.4% small cap value Slightly less Non-US Dev stock and non-US Emerg stock I think I have had bigger changes than that many days this month...

Pandemic Bangs

People tend to significantly overestimate future college costs. There was a drastic shift in state funding around 2008-2010 which really skews historical rates of inflation. Your demographic is different. I will bet that your kids will go to excellent private universities or national-caliber state ...

Pandemic Bangs

All of them give me a dividend of 4-9% and HAVE BEEN VERY BAD INVESTMENTS FOR THE LAST 5 YEARS. Do you know which is the chicken and which is the egg here? I drilled down on this over the past year when I looked at the highest dividend-paying stocks and was impressed to see that they were at best r...

Pandemic Bangs

You asked for a "GREAT" financial advisor and I don't think that's a thing. There is appropriate advice and inappropriate advice but no one is a financial planning genius. There are not that many variables and anyone who "hits it out of the park" simply guessed well and/or took a...

Pandemic Bangs

I'm surprised: when I looked up legroom it was only 41 inches, which is less than many other vehicles. I don't actually know what measured legroom is. Seat all the way up and back? All the way down and back? Distance to the top of the pedal travel? Or to the firewall or dead-pedal? Legroom has alwa...

Pandemic Bangs

Congrats on your success! Parents filled this role for me until they passed. Older sibs on occasion. My and spouse's knowledge bases overlap a little too much so we are not much good to each other for the unknown-but-answerable things. I can't think of a one-size-fits-all for you. Sure, attorney for...

Pandemic Bangs

Thanks for replies. Makes decision process much easier. Oh, and get the turbo. Our '16 is a little underpowered without it, imo. The '19 has the turbo. It definitely gives up a little in fuel economy but it makes for a better driving experience. Fairly fun cars for what they are. There is supposedl...

Pandemic Bangs

My question - is this all equity strategy foolish? As long as you don't mind losing half it isn't. Happened to us three times. We survived. When did unleveraged 100% equity become the "conservative" portfolio here? :D I think if you need to ask others if it's too aggressive, then it's too...

Pandemic Bangs

We had Fidelity in plans custodied at Fidelity. We now have much lower-cost VG target-date funds through Fidelity. Many of ours are "collective trust" options with very low ER but no ticker -- I can't recall about the target-date options but I think so because most of our plan assets are i...

Pandemic Bangs

By extension, instead of only going halfway, why not skip it altogether? The whole point of rebalancing is to control your risk. No matter what method you choose to rebalance the objective is to control your risk. If you don't rebalnce at all you are not controlling your risk. I think that was kind...

Pandemic Bangs

My mother has an account at John Hancock and this is the only fund in the account. I have provided my Letters of Guardianship to them so am able to handle her affairs on her behalf. OK, then I would just do this from the Vanguard side and not deal with JH at all. VG will tell you what you need if t...

Pandemic Bangs

I just do not buy into the idea that future returns on investments are a random crapshoot. What is the question? If you absolutely positively must have access to those subsectors ("wide-moat" this and that) then have it at. Can you account for your confidence that those sectors will outpe...

Pandemic Bangs

I have been unable to locate my mother's stock certificates for $10,000 invested in one fund at John Hancock....Mom is now at assisted living and needs all assets available to her for her continued care. This is an actual current mutual fund. I am not familiar with mutual funds having required cert...

Pandemic Bangs

But why go all the way back to 50:50? Why not just go half way back to 53:47 and wait to see what happens in the next week or three? By using the smaller correction adjustment you would tend to gain more if the market continues to rise but still main close to your risk target if the market just goe...

Pandemic Bangs

But if you haven't removed your EGR, would definitely encourage you to do so. The EGR system itself is responsible for 95% of the carbon buildup on these cars, and the cooler has a tendency to crack and leak coolant into your intake. Which as you might imagine, is a bad thing. :) The job took me ab...

Pandemic Bangs

1. German clear glass filters, highest quality$$. Especially on location. In the studio for product shoots or macro, sometimes removed. This. My camera's been everywhere. I've never had to clean a lens. Filter yes; lens no. I make sure I have an appropriate-diameter multicoated UV filter in hand be...

Pandemic Bangs

Any tall people out there have any quibbles over driver side roominess in the Mazda CX 5? I don't want to go the dealer and get a never ending string of phone calls--just yet. We have a '16 and a '19. I'm 6'1" and DS is 6'2" and it's a complete non-issue -- but we're all legs and not very...

Pandemic Bangs

Learn to say no. Stop working in the non-office hours. I know I have been less respectful of these boundaries lately. I may fire off an email on Friday afternoon that, in the old days, would not even be seen until Monday AM (no one had "work" laptops or could even access our system from h...

Pandemic Bangs

Perhaps there are many that read the forum for a long time before registering, for various reasons. And, at that point, there is a sense of urgency and "need", and "courage?" that has had to happen to seek help. And, there, the forum provides a valuable service to the community....

Pandemic Bangs

Nope, still have it. Got the carbon cleaning done in March of last year, which turned out to be more expensive than expected, mostly due to the fact that the fuel pressure sending unit failed during the process. Disabled the EGR valve as soon as getting it home from that, and removed it entirely (a...

Pandemic Bangs

Responding for the bump. Welcome! You are doing the right things, imo. Congrats on the nice career, the planning, and insight! You will not like the rest of my post -- sorry. There was just a very similar one. I do not fully understand your house numbers but based on the fact that you are only 4 yea...

Pandemic Bangs

...the long term plan has been to give my 2011 BMW 335d to my son when he's old enough, which happens right around the time I'm due for a replacement. Total long-shot but hey... Have followed a few of your posts on the 335d over the years and the two or three other BH who love theirs -- thank you! ...

Pandemic Bangs

Honestly, it looks like what will differentiate the two is the $60/year maintenance fee that Vanguard's custodian charges. Do you think that is negligible enough to go with Vanguard? Depends on how much money you keep there. Easy enough to do the math. If it's a 2% assessment for you, then no. If y...

Pandemic Bangs

I'm super excited to learn more about stock Investing and I'm looking for great courses For the bump: Welcome! If you are looking to learn how to pick winners, there is no such course for any amount of money. If you are looking to learn about personal finance, principles of investing, and the like,...

Pandemic Bangs

You seem short on time as it is.

Pandemic Bangs

There must be a rational way to take advantage of irrational behavior. Why would a rational person make this statement? Why can't I reliably monetize the weather? I don't think one capitalizes on irrational behavior so much as one insulates ones self from it -- via index funds, etc. I guess you can...

Pandemic Bangs

If she has all those choices through her employer, it is important to know what the investment options are in each. One of my former employers had many of those as "legacy" custodians that were sunsetted (is that a verb?) over excessive fees, etc. I have had good luck with Fidelity plans a...

Pandemic Bangs

KneePartsPro wrote: ↑Fri Jan 22, 2021 10:01 am You have "made it" when your work is something you are passionate about and you are contributing to others in some way.

+1

Pandemic Bangs

Full disclosure: not a FIRE person here You have a negative net worth, modest income, and you are talking about cutting back in four years? And you are banking on controlling your spending, "knowing" your next few decades of income (?), and your guaranteed investment returns over future de...

Pandemic Bangs

Not sure you need any of those things in your demographic. Depends upon your state and how your assets are titled. A will couldn't hurt. If you have > $22 million between you, I hear it gets complicated. People talk about all sorts of things here that are irrelevant to me. All the Tesla and TSLA thr...

Pandemic Bangs

Planner01 wrote: ↑Thu Jan 21, 2021 12:28 pm We bought a house about a month ago that’s in a guard gated community.

The blinds are just a symptom.

If you felt the need to be in a guard-gated community, you obviously need to give in to this instinct and make the tiny leap to privacy blinds.

Pandemic Bangs

Many decades ahead to work even though age is very late 30s. And we plan to make a change to the percentage of bonds we hold, which was age in bonds. Just a caveat. There is a lot of FOMO among earlier-stage earners about this concept. Were you planning to make this change this past March? And: if ...

Pandemic Bangs

By example and by imparting knowledge: father

Then this community. They are pretty much identical.

Pandemic Bangs

Regarding a certification (GIA/AGL/etc). It was described to me as getting a certified purebred dog vs. a purebred dog without papers. One will be much more expensive because you have a piece of paper telling you what it is. Getting a certified diamond makes a lot of sense to me if you considered i...

Pandemic Bangs

Because under a microscope someone may be able to notice some differences, it is "not for everyday use" :oops: ? Over a long period (of decades), this may result in some "wear"? Statements like that are exactly why the industry is such a racket. Not at all what I said. Not my in...

Pandemic Bangs

my AA, which I had "designated" as 70/30, has drifted to 77/23. Yes, I have been very lax. I did not get burned (well, not by that). I thought I was 70:30. I actually was nearly 90:10 before I woke up. Spouse and I were so busy with work and family that our taxable and tax-deferred invest...

Pandemic Bangs

In other words ordinary income at the 32/35% marginal rate (plus NYC) now and capital gains later OR stick to RMDs. I think the answer might be to just take RMDs, but I just wanted to flesh this out. An interesting question -- until I got to your current marginal rate. If you earned next to nothing...

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