Search found 217 matches

by sksbog
Sat Nov 17, 2018 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: Should I invest now
Replies: 9
Views: 642

Re: Should I invest now

why not divide the money to invest in 12 equal portions and invest each month.
that way you are not "market timing"
by sksbog
Sat Nov 17, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 6
Views: 591

Re: Laptop security - Mac OS or Windows

Long time Apple user here. My MacBook Pro is getting old so I am starting to research a replacement. My needs are modest as I have a Windows 10 desktop for heavy lifting but would like it to be capable of doing occasional photo editing. I'd like to stay with Apple but as time goes by I am less and ...
by sksbog
Fri Nov 16, 2018 10:12 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 443
Views: 79506

Re: How much international stock? A suggestion.

So I am going to say this: Past performance is no guarantee for future results. Nobody knows😎 Bogleheads: Our Boglehead "Search" engine reports 22,400 results for the question: "How much international stock?" It is a question without a definitive answer because no investor knows the future. We are a...
by sksbog
Thu Nov 08, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 131
Views: 9733

Re: Favorite "free stuff"?

bligh wrote:
Thu Nov 08, 2018 12:02 pm
Google's Search engine & Gmail.

Yes I realize I am the product with those.. but it isn't like there is a good paid alternative that is equal in quality.
Gmail is not free, you are the product 😀
by sksbog
Thu Nov 01, 2018 8:12 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate = 0.5%
Replies: 86
Views: 7622

Re: I Bond fixed rate = 0.5%

Grt2bOutdoors wrote:
Thu Nov 01, 2018 9:21 am
Now we're talking.....can I hear 0.75%?
Who saw the WSJ this morning? Consumer inflation is coming next year, if you haven't already seen it in your wallet.
Ordered as the side with my burger and drink. :greedy
by sksbog
Thu Nov 01, 2018 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Fully maxed out
Replies: 70
Views: 8075

Re: Fully maxed out

Just curious..,. Is there anyone out there that has fully maxed out all tax advantaged accounts in a single year (assuming MFJ). Super high income (>300k/yr?) doesn’t count 18.5k 401k x2 Extra 5k/year for catchup contributions x2 Mega Backdoor Roth x2 Backdoor Roth 5.5k x2 IRA catch-up contribution...
by sksbog
Thu Nov 01, 2018 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Fully maxed out
Replies: 70
Views: 8075

Re: Fully maxed out

We are around 200k income this year... and will max: His 401k (megabackdoor) His Backdoor Roth His HSA (family) Her 403b Her backdoor Roth And did taxable... no 529 yet Edit: and we live in the hcol San Francisco Bay Area. What is 401k (megabackdoor)? Any information or link pertaining to this? Tha...
by sksbog
Sat Oct 27, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: What Memberships/Subscriptions Are Most Valuable To You?
Replies: 68
Views: 4776

Re: What Memberships/Subscriptions Are Most Valuable To You?

Office 365 $5 / mo
Simplisafe
Costco
Library
Netflix
Prime
Cell - project fi , cricket wireless.
Evernote
by sksbog
Sat Oct 27, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: What Memberships/Subscriptions Are Most Valuable To You?
Replies: 68
Views: 4776

Re: What Memberships/Subscriptions Are Most Valuable To You?

sk2101 wrote:
Fri Oct 26, 2018 1:16 pm
is there a consensus on a cloud service for storage services?
AWS glacier. Cheap backup service. Switched to them when crappy. Seagate NAS drive 's software update wiped out my data.
by sksbog
Tue Oct 23, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Help me in selecting funds for my HSA 3 fund portfolio
Replies: 3
Views: 334

Re: Help me in selecting funds for my HSA 3 fund portfolio

thanks. yes, those states are not applicable to me.
by sksbog
Tue Oct 23, 2018 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help me in selecting funds for my HSA 3 fund portfolio
Replies: 3
Views: 334

Help me in selecting funds for my HSA 3 fund portfolio

Hello Bogleheads, I recently started my HSA. I have been given access to TD Ameritrade for my investing through the HSA account. The issue is TD Ameritrade has very limited set of funds & ETFs, which are free of commission. Those are listed here https://www.bogleheads.org/wiki/TD_Ameritrade I would ...
by sksbog
Sun Oct 14, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Did anyone change Experian Credit Freeze Pin?
Replies: 5
Views: 783

Did anyone change Experian Credit Freeze Pin?

Due to the breach and potential compromise of experian Pin, did anyone change yours at experian.com ?

If yes, can you please let me know how to do this?

Thanks
by sksbog
Sun Oct 14, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Proton Mail
Replies: 35
Views: 5579

Re: Proton Mail

Update: I have been using protonmail and it is great. There is a mobile app as well. No issues so far. I am considering jumping for the paid version. It is very easy to send secure messages. The interface is very simple so even non-tech folk can use it very easily. All in all, I am happy with proto...
by sksbog
Sun Oct 14, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Proton Mail
Replies: 35
Views: 5579

Re: Proton Mail

It doesn't appear that you can add ProtonMail as an email account in IOS yet, it uses its own dedicated app. The app seems to work well and it's free, but I would like to be able to read and send from ProtonMail using "All Inboxes" on my iPhone. Right now I can't do that unless I'm misinformed. Thi...
by sksbog
Sun Oct 14, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Proton Mail
Replies: 35
Views: 5579

Re: Proton Mail

That really is the con. Trying to use the service with people that don't use it is completely impractical. I signed up thinking I could use it every now and then when I need to send secure documents as attachments, however last I checked their service doesn't encrypt attachments sent to non proton ...
by sksbog
Sat Oct 13, 2018 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: $50,000: Should I buy now or wait for the market to drop further?
Replies: 43
Views: 7090

Re: $50,000: Should I buy now or wait for the market to drop further?

Why not divide $50,000 into 12 months and buy each month according to your AA? That way you are not market timing.
by sksbog
Sat Oct 13, 2018 11:25 pm
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5290

Re: Need new email address. Gmail or ???

Planning to move to a location where my current ISP (Charter) is not available. Thinking of getting a gmail account. But just saw a post by linenfort on another thread about their gmail not always getting received. Do others have that experience? So, is gmail good to use? Many of my friends have it...
by sksbog
Sat Oct 13, 2018 7:17 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 93
Views: 15248

Re: Don't pay full price for SiriusXM radio

Hi Bogleheads - Just a quick tip FWIW. My subscription for SiriusXM radio was scheduled to automatically renew in early September. The new rate was $218/year. I called them this afternoon and said I wanted to cancel my subscription. They wanted to keep me as a subscriber and offered to extend my pr...
by sksbog
Fri Oct 12, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 73
Views: 7265

Re: Just Divorced -- Need Help

My credit went from near perfect to mid 600s due to my divorce. I was awarded all of my ex-wife's credit card debt she racked up while we were separated. What is the best all around credit card I can transfer the balances to as I work to repair my credit? In a perfect world, I'd prefer the card hav...
by sksbog
Fri Oct 12, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 73
Views: 7265

Re: Just Divorced -- Need Help

My credit went from near perfect to mid 600s due to my divorce. I was awarded all of my ex-wife's credit card debt she racked up while we were separated. What is the best all around credit card I can transfer the balances to as I work to repair my credit? In a perfect world, I'd prefer the card hav...
by sksbog
Wed Oct 10, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: Project FI promotion
Replies: 9
Views: 840

Re: Project FI promotion

Service is great. $20 for talk and text and you pay $10 per one GB data. Note that the data portion is pro-rated. You pay for what you use.

I use very less data. This works for me well.
by sksbog
Wed Oct 10, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: What GDPR compliant email do you use?
Replies: 11
Views: 923

Re: What GDPR compliant email do you use?

Thanks. Is paid protonmail any better than free one?
by sksbog
Wed Oct 10, 2018 6:14 am
Forum: Personal Consumer Issues
Topic: What GDPR compliant email do you use?
Replies: 11
Views: 923

What GDPR compliant email do you use?

With recent news events over private data hacking and news articles about Gmail and Yahoo, which said sometimes their employees see our emails to make sure the machine learning algorithms are working as expected. I have decided to switch to a European based GDPR, privacy rules compliant email. Have ...
by sksbog
Sun Sep 23, 2018 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 73
Views: 4785

Re: How to pay for upcoming medical / IVF expenses

It took us 3 attempts. We have now a wonderful 6 year old. For IVF you have to understand that there may be multiple attempts before you will have your child(ren) . Take a look at attain, integra-med. It's a pre paid policy where for a set amount of price they will cover 6 ,procedures and 80% money ...
by sksbog
Wed Sep 19, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8826

Re: Physical Banking - Any benefits anymore?

Just realized with hurricane Florence. A small amount of money should be there in a local nearby bank, earning zero.nothing, do that when a natural disasters strikes , you could draw out some cash. Some would argue to use debit card for this, but would have to use a for a lot of time to draw the amo...
by sksbog
Sun Sep 16, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: Developer Laptop
Replies: 26
Views: 1822

Re: Developer Laptop

As a developer/ architect have have done this twice. Based on what I have experienced is that there comes phases when I need to learn or poc out few things. But never needed a top of the line high ram multi core machines. I have found it easier and better for me to use 1 year of see in cloud. Follow...
by sksbog
Sun Sep 16, 2018 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 157
Views: 13158

Re: Considering Quitting Job - Seeking Advice. Would you do it?

You mentioned going for a small company. Do you have another employer in mind? Have you given few interviews to get get insight into market as to how much in demand your skill level is? Have you compared prospective employers to make sure, they will give you work life balance? I was in a similar sit...
by sksbog
Sat Sep 15, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: How to start a website?
Replies: 12
Views: 1322

Re: How to start a website?

Whoever you consider for domain, do pay attention to privacy features. I know google offers those without any extra cost.
These are not selling ur info or show the registration contact details on indfo sites like whois
by sksbog
Fri Sep 07, 2018 2:43 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 292
Views: 56736

Re: I'm Calling an Emerging Markets Bottom

My regular contribution to 3 funds portfolio takes care of think kind of "market timing" :D
by sksbog
Tue Sep 04, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: US Visitor Health Insurance
Replies: 18
Views: 1000

Re: US Visitor Health Insurance

Check out https://www.visitorscoverage.com

Here you can find comprehensive coverage covering some level of preexisting conditions until certain amount.

Good luck!
by sksbog
Mon Sep 03, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: How do I get rid of big project t.v.?
Replies: 21
Views: 1133

How do I get rid of big project t.v.?

I have an old 56 inch DLP television.
Called Goodwill and they don't want any television that doesn't go on a wall :annoyed

How do I get rid of this thing cheap?

Thanks
by sksbog
Tue Aug 07, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 71
Views: 6540

Re: are mccormick gourmet spices better

hello, are mccormick gourmet spices better than the regular mccormick spices? how about compare with simply organic? or 365 brand? i enjoy finding good spices to cook. but i am also curious why mccormick stock has gone up so much recently. thanks. blackwhisker, Talk to your Indian friends and ask t...
by sksbog
Sun Jul 29, 2018 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: 64 yrs old should I get into the stock market
Replies: 12
Views: 2245

Re: 64 yrs old should I get into the stock market

Absolutely! Just make sure your bonds -stock ratio is age appropriate.
by sksbog
Sun Jul 29, 2018 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds for high income individuals in taxable account
Replies: 18
Views: 1515

Re: Bonds for high income individuals in taxable account

I have bonds in addition to 401k/IRa.

In taxable account I have vanguard intermediate term tax exempt, reinvest option. This is to achieve my 3 fund portfolio of taxable account.

I also do, buy series I Treasury bonds. They have generous tax free spent policy if you spend on education or healthcare.
by sksbog
Sun Jul 29, 2018 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for son and daughter-in-law
Replies: 58
Views: 3272

Re: Life Insurance for son and daughter-in-law

This is a good time to buy separate term life insurance to cover children's education and extra needed money if something would happen to one in 25-30 years. I bought mine at 26 and never regretted. Since then I have changed almost 9 jobs and never paid attention to what employer offers for life ins...
by sksbog
Sun Jul 29, 2018 8:08 am
Forum: Investing - Theory, News & General
Topic: Passive Index Investing, A Bubble Bound To Burst?
Replies: 114
Views: 12069

Re: Passive Index Investing, A Bubble Bound To Burst?

I always enjoy and try to understand new investing ideas. Usually I just don't understand them. Which means I just don't have enough knowledge. Then comes the 3 fund portfolio. Easy for me to understand and learn about what and why I invest and beleive in the 3 fund idea. So every time some new ide...
by sksbog
Sun Jul 29, 2018 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Frugality and Cash Rewards: What to keep vs. what to let go
Replies: 16
Views: 2410

Re: Frugality and Cash Rewards: What to keep vs. what to let go

Everything on chase Sapphire reserve card to get points on travel. We travel every year so it makes sense for us. It's has $459 annual fee. You get $300 credit on any travel expense, right away. I usually get 2-3 air tickets out of points each year, that crosses the $150 balance. Sam's club Master c...
by sksbog
Sat Jul 07, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: how does vanguard personal performance chart show return?
Replies: 2
Views: 307

Re: how does vanguard personal performance chart show return?

Vanguard does not say how the return was calculated.
by sksbog
Sat Jul 07, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: how does vanguard personal performance chart show return?
Replies: 2
Views: 307

how does vanguard personal performance chart show return?

Hello Bogleheads,

When I see personal performance chart in vanguard, it shows 9% return with a star on it, for the group of funds I have selected and for the year rangebi have selected.

Is this the total return or annualized return?
by sksbog
Mon Jul 02, 2018 5:22 am
Forum: Investing - Help with Personal Investments
Topic: 47 and clueless - direction needed
Replies: 60
Views: 8657

Re: 47 and clueless - direction needed

Wow they are screwing you over on the front end and the back end. I do not exaggerate here. That is beyond simple negligence that is simply exploiting of the I'll informed. I would get out as soon as possible. This is why a rule called Fiduciary, was in table for Congress. Sounds like common sense,...
by sksbog
Sat Jun 30, 2018 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Critique my Portfolio, possibly too much cash?
Replies: 5
Views: 824

Re: Critique my Portfolio, possibly too much cash?

Thanks. The question is that should I invest 150k and reap 7-8 % return and take 150k loan when I buy house?
by sksbog
Sat Jun 30, 2018 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Critique my Portfolio, possibly too much cash?
Replies: 5
Views: 824

Re: Critique my Portfolio, possibly too much cash?

Current loan balance is about 98 k. Was thinking of keeping the mortgage and renting it out when I buy home in a year or two. The rental income would cover the mortgage.
by sksbog
Sat Jun 30, 2018 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Critique my Portfolio, possibly too much cash?
Replies: 5
Views: 824

Critique my Portfolio, possibly too much cash?

Him: 44 Her: 42 combined Income ~ 280K Retirement: 1.09 Mil 600 K in VPS IRA , vanguard managed Rest in Vanguard target retirement 73K in series I bonds bought over last 10 years Investments: 98K 43,800 in Schwab SIP robo managed 46,700 in Three Fund portfolio [ Stocks 75% {domestic/int 60%, 40%} , ...
by sksbog
Fri Jun 22, 2018 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: Foreign Taxes paid from Foreign Index fund in 401K
Replies: 5
Views: 571

Foreign Taxes paid from Foreign Index fund in 401K

Hello Bogleheads, As you all know, if we have foreign taxes paid via foreign funds in taxable account, we can take foreign tax credits. Similarly, is this possible for retirement accounts? Can we take credit of foreign tax paid, when we start paying taxes on the withdrawal during retirement? Thanks
by sksbog
Sun Jun 03, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 5428

Re: 125K Spend - Would you do this ?

Folks, As I'm not sure who should I reach out to get an objective opinion/advise on my dilemma, so I thought I'd reached out to my BH community, I apologize if this is bit personal, yet a big financial decision. My issue is I cant yet decide if this is a real need or a want or a wish and if I can r...
by sksbog
Sat Jun 02, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab.com login trouble?
Replies: 21
Views: 3648

Re: Schwab.com login trouble?

schwab website is down, again today.
by sksbog
Tue May 29, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Disconnecting Wi-fi of a device
Replies: 9
Views: 1144

Re: Disconnecting Wi-fi of a device

Hi, At a time, I will have 4-5 devices connected to wi-fi. Now, I have a Mac which I generally use. Is there anyway to disconnect the wi-fi of a device from my Mac book like going on some websites which will show the existing devices connected to my wifi and i click disconnect/connect or any app wh...
by sksbog
Sun May 27, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: Cheapest ways to watch NBA playoffs
Replies: 37
Views: 3301

Re: Cheapest ways to watch NBA playoffs

livesoft wrote:
Sun May 27, 2018 5:11 pm
I don't know and I didn't ask.
Very concerning. It means you have no idea what sites your son goes to and have no idea what he does with his computer.
by sksbog
Sun May 27, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 250
Views: 32959

Re: Why pay cash for a car?

RDHlooking4FIRE wrote:
Sun Nov 12, 2017 5:43 pm
Before i paid off my car the interest rate was 1%. My online savings account is earning 1.3%.

I do really like being debt free though. But am i missing out on cheap money?
Take out taxes and fees on gains and you will be in minus
by sksbog
Wed May 23, 2018 7:46 pm
Forum: Personal Consumer Issues
Topic: help needed to restore data
Replies: 12
Views: 1125

Re: help needed to restore data

michaeljc70 wrote:
Tue May 22, 2018 8:46 pm
I haven't used their service, but if I remember correctly, it is very expensive and there is no guarantee. There was no backup?
no backup. it is a NAS drive.