Search found 383 matches

by tuningfork
Sun Oct 14, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard does not recognize my restricted computer
Replies: 10
Views: 1138

Re: Vanguard does not recognize my restricted computer

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.
by tuningfork
Sat Oct 13, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor discussing finances with me
Replies: 64
Views: 5887

Re: Neighbor discussing finances with me

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...
by tuningfork
Thu Oct 11, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 167
Views: 25742

Re: Oatmeal suggestions

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...
by tuningfork
Mon Oct 01, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: another chromebook or?
Replies: 13
Views: 1342

Re: another chromebook or?

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...
by tuningfork
Sun Sep 30, 2018 5:46 am
Forum: Investing - Help with Personal Investments
Topic: Moving rollover IRA into traditional IRA
Replies: 8
Views: 718

Re: Moving rollover IRA into traditional IRA

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...
by tuningfork
Wed Sep 26, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Am I using facebook correctly?
Replies: 43
Views: 3333

Re: Am I using facebook correctly?

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 ...
by tuningfork
Tue Sep 25, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2331

Re: Flu shot reaction? Getting flu shot this year?

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...
by tuningfork
Tue Sep 25, 2018 8:45 am
Forum: Investing - Theory, News & General
Topic: New Facebook group for Vanguard investors!
Replies: 22
Views: 2145

Re: New Facebook group for Vanguard investors!

I use Facebook, but I would never use it for any financial discussions where I would prefer to be anonymous.
by tuningfork
Sun Sep 23, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Fidelity cobrowser??
Replies: 34
Views: 2576

Re: Fidelity cobrowser??

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...
by tuningfork
Sun Sep 23, 2018 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 9994

Re: How real is cyber risk?

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....
by tuningfork
Sun Sep 23, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: For those who use a 2 year cash(like) buffer, how do you know when to use it?
Replies: 67
Views: 5561

Re: For those who use a 2 year cash(like) buffer, how do you know when to use it?

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...
by tuningfork
Mon Sep 17, 2018 6:27 pm
Forum: Investing - Theory, News & General
Topic: Combining multiple IRA accounts into one
Replies: 3
Views: 501

Combining multiple IRA accounts into one

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...
by tuningfork
Mon Sep 17, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 74
Views: 7893

Re: I see now why Rollovers can take FOREVER ....

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...
by tuningfork
Fri Sep 14, 2018 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 9994

Re: How real is cyber risk?

[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...
by tuningfork
Thu Sep 13, 2018 6:29 pm
Forum: Investing - Theory, News & General
Topic: Receiving 2FA codes from Vanguard while overseas
Replies: 14
Views: 2101

Re: Receiving 2FA codes from Vanguard while overseas

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...
by tuningfork
Thu Sep 13, 2018 6:08 pm
Forum: Personal Consumer Issues
Topic: Windows 10
Replies: 9
Views: 604

Re: Windows 10

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...
by tuningfork
Thu Sep 13, 2018 10:52 am
Forum: Investing - Theory, News & General
Topic: Receiving 2FA codes from Vanguard while overseas
Replies: 14
Views: 2101

Re: Receiving 2FA codes from Vanguard while overseas

"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....
by tuningfork
Thu Sep 13, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard is requiring cell phone security codes - problem for international travel (UPDATE)
Replies: 65
Views: 3959

Re: Vanguard is requiring cell phone security codes - problem for international travel

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.
by tuningfork
Wed Sep 12, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: Toilet Makes A Flushing Sound Occasionally
Replies: 37
Views: 2901

Re: Toilet Makes A Flushing Sound Occasionally

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...
by tuningfork
Wed Sep 12, 2018 9:40 pm
Forum: Investing - Theory, News & General
Topic: Receiving 2FA codes from Vanguard while overseas
Replies: 14
Views: 2101

Re: Receiving 2FA codes from Vanguard while overseas

"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.
by tuningfork
Wed Sep 12, 2018 9:33 pm
Forum: Investing - Theory, News & General
Topic: Receiving 2FA codes from Vanguard while overseas
Replies: 14
Views: 2101

Re: Receiving 2FA codes from Vanguard while overseas

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...
by tuningfork
Wed Sep 12, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15775

Re: iPhone XS Max

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...
by tuningfork
Wed Sep 12, 2018 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is requiring cell phone security codes - problem for international travel (UPDATE)
Replies: 65
Views: 3959

Re: Vanguard is requiring cell phone security codes - problem for international travel

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.
by tuningfork
Wed Sep 12, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 177
Views: 22480

Re: Vanguard - You'll need to sign up for security codes soon

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...
by tuningfork
Wed Sep 12, 2018 8:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 177
Views: 22480

Re: Vanguard - You'll need to sign up for security codes soon

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...
by tuningfork
Sun Sep 09, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Good photo book printer for image quality
Replies: 24
Views: 1574

Re: Good photo book printer for image quality

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.
by tuningfork
Sat Sep 08, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Good photo book printer for image quality
Replies: 24
Views: 1574

Re: Good photo book printer for image quality

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, ...
by tuningfork
Sat Sep 08, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: Good photo book printer for image quality
Replies: 24
Views: 1574

Re: Good photo book printer for image quality

+1 for Blurb. I use the Photo Book module in Lightroom and submit directly to Blurb. Print quality is excellent.
by tuningfork
Mon Sep 03, 2018 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: How do you count investments you can't change when trying to do a 3-fund portfolio
Replies: 6
Views: 847

Re: How do you count investments you can't change when trying to do a 3-fund portfolio

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...
by tuningfork
Mon Sep 03, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: How do I get rid of big project t.v.?
Replies: 21
Views: 1124

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

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...
by tuningfork
Mon Sep 03, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: What are your goals when you change your bond funds?
Replies: 36
Views: 2389

Re: What are your goals when you change your bond funds?

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...
by tuningfork
Mon Sep 03, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 7743

Re: I want to pry my friend away from Edward Jones

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...
by tuningfork
Thu Aug 30, 2018 3:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 321
Views: 33674

Re: U.S. stocks continue to soar!

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.
by tuningfork
Wed Aug 29, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9937

Re: How do you save money on groceries?

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...
by tuningfork
Tue Aug 28, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 48
Views: 4027

Re: Recommend a good SOCK. Yes, I said SOCK!

Most of my socks are Wigwam and REI hiking socks. They last so much longer than cheaper, thinner socks and are comfortable.
by tuningfork
Tue Aug 28, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 11996

Re: How do you 7 figure guys organize multiple accounts?

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...
by tuningfork
Mon Aug 27, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: Free windows 10 Antivirus
Replies: 11
Views: 1284

Re: Free windows 10 Antivirus

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.
by tuningfork
Sun Aug 26, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: What is your stealth way to save monthly?
Replies: 87
Views: 9695

Re: What is your stealth way to save monthly?

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...
by tuningfork
Sat Aug 25, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: When do you replace a working desktop computer?
Replies: 27
Views: 2094

Re: When do you replace a working desktop computer?

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...
by tuningfork
Fri Aug 24, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: Watch out for "COM" online credit card charges
Replies: 15
Views: 3345

Re: Watch out for "COM" online credit card charges

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...
by tuningfork
Mon Aug 20, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: Thoughts on starting fresh?
Replies: 11
Views: 958

Re: Thoughts on starting fresh?

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. ...
by tuningfork
Mon Aug 20, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 99
Views: 5121

Re: Your major and investing/finance?

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...
by tuningfork
Sun Aug 19, 2018 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Retirees: Timing your withdrawals
Replies: 40
Views: 3799

Re: Retirees: Timing your withdrawals

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...
by tuningfork
Sat Aug 18, 2018 11:00 am
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 240
Views: 21658

Re: "Don't Obsess About Expense Ratios"

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. :greedy
by tuningfork
Thu Aug 16, 2018 11:53 am
Forum: Investing - Help with Personal Investments
Topic: When do you change your IPS?
Replies: 8
Views: 913

Re: When do you change your IPS?

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 ...
by tuningfork
Mon Aug 13, 2018 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: Asked my advisor about fees and here's their reply
Replies: 60
Views: 8854

Re: Asked my advisor about fees and here's their reply

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...
by tuningfork
Mon Aug 13, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 5222

Re: How often do you check your brokerage accounts

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...
by tuningfork
Sun Aug 12, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Why do two monitors with the same resolution display differently?
Replies: 10
Views: 787

Re: Why do two monitors with the same resolution display differently?

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...
by tuningfork
Sun Aug 12, 2018 10:51 am
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 130
Views: 9745

Re: [New Vanguard website layout starting Saturday, August 11]

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...