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tuningfork

dknightd wrote: ↑
Sun Oct 14, 2018 10:18 am
Sometimes an OS upgrade will make your computer unrecognizable.

A browser upgrade sometimes does that too. With automatic updates by browsers and OS's being increasingly common, you can't easily control when your device looks like a different device.

tuningfork

A good friend of mine told me that her financial adviser didn't charge fees. :shock: I kept my mouth shut and we're still good friends. Same here with a former co-worker. He tells me "All his advice is free" and "My annual review with him is free" and "He's got us in all these great funds" and so o...

tuningfork

The biggest difficulty I've had with most ways to prepare oatmeal is the likelihood that the stove top or microwave container will boil over, requiring careful monitoring. Fixed by making oatmeal in the Instant Pot pressure cooker. It takes longer but I can do other things while the oatmeal is cooki...

tuningfork

If the issue was solved, it would be solved on your current chromebook as well. Perhaps it's time to upgrade to a cloud ready printer? This was going to be my reply. Keep your Chromebook, buy a new printer that support cloud printing. A Brother/Wi-Fi printer will be less than a new Chromebook. http...

tuningfork

A contributory IRA is currently protected in bankruptcy for 1.283mm with a 3 year inflation adjustment coming 4/1/2019. A rollover IRA is protected under the same conditions without a dollar limit. Would this same Rollover IRA protection apply to Roth IRAs that were funded by conversions from a Rol...

tuningfork

Facebook's purpose is to sell advertising and sell your information to other companies. Connecting you to other people is ancillary to that purpose. The more time you spend on the site, the more ads you see. The more time you spend scrolling past unwanted posts to get to the ones you want, the more ...

tuningfork

I've been getting annual flu shots for at least 15 years, never any reaction. However, once I started getting those shots I stopped having my usual winter illnesses that had flu-like symptoms. I used to get the shot at Safeway, where they would do it for free (insurance paid 100%) and give me a coup...

tuningfork

I use Facebook, but I would never use it for any financial discussions where I would prefer to be anonymous.

tuningfork

I finally got an answer from Fidelity, by going through their customer service chat. According to their rep, yes, this is legitimate. It's a new support feature they are working on rolling out, and I just happened to be unlucky enough to have accidentally tripped it before they announced. It's legi...

tuningfork

The Bogleheads are different from the American population at large in several key ways: - The Bogleheads have more money to lose. - The Bogleheads discuss their finances in this Forum and thus are more likely to become targets. - Many Bogleheads are STEM, legal, medical and financial professionals....

tuningfork

I've been in the decumulation phase for 5 years, not yet collecting social security or RMDs. I start each year with approx 2 years of anticipated expenses in cash (savings account). I spend from this account. Actually, I spend from my checking account and I have an automated monthly "paycheck" trans...

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Another thread about calculating RMDs for multiple IRA accounts got me thinking it might be a good idea to combine my non-inherited IRA accounts prior to reaching RMD age. If I only have one IRA account, then it's that much simpler to calculate and take the correct distribution amount without having...

tuningfork

For $200 I would go the easiest route possible. If she's over 59.5 can't she just withdraw it? Tax on $200 seems minimal, and she would have one less account. If she's not yet 59.5 but it's on the horizon I would just wait. Makes me happy my 401k to IRA rollover at Fidelity went smoothly and quickly...

tuningfork

[Anyone have stats on how much cybercrime there is that involves people losing money from brokerage accounts or having thier bank account emptied? I am not aware of much.What I am aware of is a ton of companies getting hacked, losing data, and people getting hit with all sorts of identity theft iss...

tuningfork

My overall point is that banks don't have 2FA and in the case of those accounts it is certainly possible to transfer funds to a third party. Why would Vanguard bother if it is virtually impossible to subtract funds by gaining unauthorized access ? I can't speak for Vanguard's or any particular bank...

tuningfork

It seems as if every few days there is a new upgrade. I’m getting tired of it. Get it right Microsoft. Windows 10 updates monthly, although it seems sometimes the update comes out in several parts that might install on different days. I had updates on Tuesday and Wednesday this week. Before that wa...

tuningfork

"2FA is safer than no 2FA", the risk being... ? Hackers who get hold of a cracked password database will go after the low-hanging fruit. If they have 10,000 account passwords and try logging in to one that has 2FA, they'll move on to the next account rather than go to the effort of hacking the 2FA....

tuningfork

FOGU wrote: ↑
Thu Sep 13, 2018 10:25 am

CyberBob wrote: ↑
Thu Sep 13, 2018 8:53 am

Dottie57 wrote: ↑
Wed Sep 12, 2018 8:48 pm
Unbelievable as it may be to some, not everyone has a cell phone.
You don’t need a cell phone, as there is also a voice-recording option to your home landline.
And if I am vacationing at the beach and not near my home landline?

Build a bonfire on the beach and use smoke signals.

tuningfork

Thanks to this thread I investigated some of the problems my toilet has been experiencing, and a new flapper fixed them. Pro tip: if you have an older toilet, make sure you use a flapper designed for older toilets. And if you have hard water or lots of sediment in your water, if you have troubles tr...

tuningfork

"2FA is safer than no 2FA", the risk being... ? Hackers who get hold of a cracked password database will go after the low-hanging fruit. If they have 10,000 account passwords and try logging in to one that has 2FA, they'll move on to the next account rather than go to the effort of hacking the 2FA.

tuningfork

Another option would be to buy a YubiKey or similar hardware token. I use this one: https://www.amazon.com/Yubico-Security-Key-USB-Authentication/dp/B07BYSB7FK They are easy to setup, and much more secure than SMS or email-based 2FA because it is relatively easy for someone to intercept your text m...

tuningfork

I do not understand how Apple can continue to raise prices like this, and I'm a huge Apple fan going on 20 years. Because there seems to be a nearly infinite supply of rich Apple fans who can afford to spend $1000+ every year for incremental improvements, as well as a nearly infinite supply of peop...

tuningfork

Vanguard now supports Yubikeys for 2FA. I suspect they will work just fine internationally and for those without cellphones.

For people who do not travel and do not have a cellphone, Vanguard will send security codes to a regular landline phone. Presumably US-based only.

tuningfork

Vanguard supports Yubikeys. More secure than SMS (although it may be moot since I've heard Vanguard lets you fallback to SMS if you claim to have lost your key). If your main concern is access while out of the country, seems like a Yubikey would work for you. Where did you find that info ? From the...

tuningfork

Just received the email 2FA will be required starting Sept. 26th. Their implementation is truly atrocious, given that no foreign phone numbers, nor emails can be used. I travel overseas frequently and, at times, for substantial periods and therefore I will be effectively barred from accessing my ac...

tuningfork

DaftInvestor wrote: ↑
Sun Sep 09, 2018 9:35 am

Nearly A Moose wrote: ↑
Sat Sep 08, 2018 7:36 pm
Thanks. Do you have a suggested paper for something like this?
I've always gone with Premium Lustre wtih 10x8 in books on Blurb.

That's exactly what I use too. I think it may be the default.

tuningfork

The paper and printing at MPix feel and look better than other photo books, and several people have told me they switched after seeing our books. https://www.mpix.com/ Before I started using Blurb I used Mpix for several photo books. One book arrived with streaks across the pages. To their credit, ...

tuningfork

+1 for Blurb. I use the Photo Book module in Lightroom and submit directly to Blurb. Print quality is excellent.

tuningfork

Ignore it. See details about this type of scam here:
https://www.eff.org/deeplinks/2018/07/s ... ng-bitcoin

tuningfork

Your overall allocation target is 80% stocks and 20% bonds, with some fraction of your stocks being international stocks (you didn't say, let's assume 20% of stocks, so 16% of your total is international stocks and 64% is US stocks). The investments in your 401k generally fall into those same catego...

tuningfork

I got rid of my ginormous TV by buying a new TV at Best Buy. They delivered the new one and hauled the old one away. Although I could have gotten a better price on the new TV at Amazon, it was worth paying extra for the haul-away service. You can also check with junk removal services such as 1-800-G...

tuningfork

My primary goal: keep it simple. Some years ago I exchanged all my bond funds for Total Bond Market and eliminated all my bond funds in taxable accounts, so now all my bond funds are in tax-deferred accounts. The exception is that I keep about 1 to 1.5 years of anticipated expenses in a taxable savi...

tuningfork

My thoughts, probably mostly covered by others. I would never give an unsolicited financial book to anyone except to my child or niece or nephew who was just starting their career. As a gift just out of college it would come across as a thoughtful, though possibly unwanted, gesture, and might get re...

tuningfork

Hit my rebalance bands! Just before market close I issued the orders to exchange $200K of total US stock to mostly total bond and some international stock. The three-fund portfolio makes quick work of rebalancing compared to holding 10 or 20 different funds and individual stocks.

tuningfork

Since you use Quicken, a different angle would be to make sure it categorized all your grocery expenses properly, both this year and last year. Maybe all your Home Depot trips this year were accidentally flagged as grocery, so you're not actually spending as much on groceries as you thought. Or a gr...

tuningfork

Most of my socks are Wigwam and REI hiking socks. They last so much longer than cheaper, thinner socks and are comfortable.

tuningfork

I use Moneydance (similar to Quicken). It downloads security prices and transactions from all my accounts every day, so I've always got an up-to-date view of all my accounts. Moneydance is software on my computer and does not store my data or passwords anywhere except on my computer, encrypted. Sepa...

tuningfork

Windows Defender for me too. Using safe and smart browsing habits is more important than the specific anti-virus software you use, so the built-in Defender is a good choice.

tuningfork

Here's more-or-less what worked for me while in the accumulation phase: Contribute max amount to retirement accounts through automatic paycheck deductions. This is money I never saw. After paying off my first car loan, I continued contributing that amount to a savings account to beef up my emergency...

tuningfork

I replace my desktop under any of the following circumstances: 1. If it totally breaks. Haven't had to do this yet. 2. If it no longer meets my needs, either due to a change in my usage or the software I use needs more resources. My last desktop build was because I had switched my primary focus from...

tuningfork

I have lots of legitimate credit card transactions with COM in the name. AMAZON.COM, LANDSEND.COM, JET.COM and many others. I think the subject and original post are mistaken. This thread should be generally about watching out for fraudulent credit card transactions that may imitate legitimate charg...

tuningfork

If I were starting fresh, I would go minimalist on all the "stuff" I tend to acquire. In my younger years I remember my apartment and first house having very little furniture or other decor, and making efforts to buy things to fill the rooms. Now I have a crapload of stuff that I really don't need. ...

tuningfork

BS and MS in Computer Science. The degrees contributed nothing to my understanding of personal finance, which was zilch when I graduated. As others have said, the math is mostly basic high school math. The degrees gave me the earning power to have money left over which needed to either be invested o...

tuningfork

I'm retired but not yet collecting SS or taking RMDs. I have a mutual fund in a taxable account that throws a large capital gains distribution in December, and other funds in taxable that pay dividends and interest throughout the year. All those are deposited into a savings account that funds my spe...

tuningfork

I'm wondering if the same people here not obsessing about expense ratios are the same people in the other thread obsessing over Vanguard's web site change that makes seeing expense ratios an extra click away.

tuningfork

I change my IPS if I learn something new that improves it. Yeah, that's hard to pin down. But I always take my time making any decision to change. That's not written in my IPS but I suppose it should be. Usually I spend several months thinking about and doing further research before committing to a ...

tuningfork

John, how many funds do you have. Would you mind posting some of them along with ticker symbols? Paul Sure, heres what I see: DFTCX $47,500 DFTWX $21,500 QTMRX $18,000 DFSMX $13,700 DFTIX $13,000 BTIIX $18,000 DGEIX $11,500 DFUVX $10,600 DURPX $10,600 AMOMX $1,500 DFSVX $7800 DFSTX $6000 DFVIX $950...

tuningfork

Nearly every day I run Moneydance on my PC, which connects to my banking, credit card, and investment accounts, downloads any new transactions, and updates share prices. Very little effort on my part. I mainly do this to verify and categorize all transactions while my memory is fresh. I do have emai...

tuningfork

If you're running Windows 10, go to Display Settings and see what the scale factor is set to (a.k.a. "Make everything bigger"). Windows chooses it automatically based on pixels-per-inch. Your laptop display has more pixels-per-inch than your desktop display so the laptop is probably set to something...

tuningfork

I've had the new layout on my old-style mutual-fund-only account for a few months. Personally, I prefer the new layout. The tiny fonts with everything jammed together in the old layout would be fine for younger eyes, but not mine. I really don't use the website very often anyway since I use Moneydan...

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