Search found 314 matches

by tuningfork
Wed Jun 13, 2018 8:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 41
Views: 5760

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

Vanguard needs to really add TOTP software security tokens instead of just SMS. And not the silly Symantec VIP nonsense, which ties you to a single vendor. It's great they support U2F Fido hardware tokens. I'd buy a Yubikey except I don't 100% trust the security of USB. Just curious, what is it abo...
by tuningfork
Mon Jun 11, 2018 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 75
Views: 9181

Re: Who uses the 3 fund portfolio ?

I'm as close to 3-fund as I can get with my accounts across several financial institutions. Vanguard Total US Stock, Total Intl Stock and Total Bond index funds in my Vanguard accounts, equivalent Fidelity index funds in my Fidelity accounts, equivalent ETFs in my HSA brokerage account at TD Ameritr...
by tuningfork
Sat Jun 02, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Theft-proofing a brokerage
Replies: 9
Views: 1497

Re: Theft-proofing a brokerage

I'm a child of the electronic age, so please excuse my ignorance. Without the ability to do electronic bank transfers, nor the ability to use the internet to manage my accounts, I'm having a hard time figuring out how it all works. I currently do everything at Fidelity, but I've been thinking of cr...
by tuningfork
Wed May 30, 2018 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: get sued for posting nagative online review?
Replies: 64
Views: 6862

Re: get sued for posting nagative online review?

Here's one case where someone was sued for posting a negative review on yelp, lawyered up, and won. http://pacevegas.com/2016/04/attorney-marc-randazza-beats-bad-business-suing-yelp-reviewer/ The court found on April 7th, that the lawsuit brought by iQTAXX was indeed an attempt to stifle public disc...
by tuningfork
Sun May 27, 2018 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: What was your experience inheriting assets held at Vanguard?
Replies: 24
Views: 2176

Re: What was your experience inheriting assets held at Vanguard?

We had one issue with poor customer service. The executor played weeks of phone tag trying to speak to the assigned Vanguard rep in person. The Vanguard rep would leave a message on her landline, she would leave a message asking him to call her cell since she was never home during Vanguard's busines...
by tuningfork
Thu Apr 26, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 11071

Re: Amazon to raise Prime membership in US to $119 from $99

It's only the second time Amazon has increased the cost of its annual Prime membership since it was first introduced in 2005, with the company in 2014 raising the price to $99 from $79. Once again, Amazon missed the obvious. The price should be a prime number as it originally was. 79 is a prime num...
by tuningfork
Wed Apr 25, 2018 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: “Gradually simplify” your portfolio, or all at once?
Replies: 17
Views: 1701

Re: “Gradually simplify” your portfolio, or all at once?

I'm gradually simplifying my taxable accounts due to the tax implications. I've been at it for 5 years, carefully managing my income to keep capital gains tax rates low. Thanks to the new tax code I'm placing a greater emphasis on Roth conversions for the next few years, so I'll hold on to my remain...
by tuningfork
Wed Apr 25, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Do you have a car w/o ABS?
Replies: 53
Views: 2328

Re: Do you have a car w/o ABS?

I believe ABS in combination with ESC (electronic stability control) are the most useful safety features to help you avoid accidents. ABS alone helps you stop faster if you don't know how to optimally pump the brakes (even if you know to pump, you might start pumping after ABS would start). ESC help...
by tuningfork
Sun Apr 22, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Prepping My Snowblower for Off-Season
Replies: 11
Views: 1116

Re: Prepping My Snowblower for Off-Season

I use nothing but unleaded regular gas (w/10% ethanol, I'd prefer without but can only buy this here) on both my rider mower, my push mower, and my snowblower, never drain them off-season and never add any storage additives, for sixteen seasons so far, 32 seasons for the push mower. At the end of t...
by tuningfork
Wed Apr 18, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: landline solutions
Replies: 27
Views: 1672

Re: landline solutions

About power failures with cordless landline phones, the landline system I bought recently (base unit plus three cordless phones) will work during a power failure, powered by the battery in whichever phone is plugged into the base.
by tuningfork
Fri Apr 13, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 97
Views: 10730

Re: Wanting to leave Fidelity

By the time OP reads all the responses to this thread, Fidelity would have finished linking OP's bank account. :sharebeer I moved almost all of our investments from Fidelity to Vanguard. The main reason was unsolicited calls from my Fidelity "Account Executive" urging me to take advantage of some fl...
by tuningfork
Thu Apr 12, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Vanguard or Schwab? I need to choose.
Replies: 62
Views: 15728

Re: Fidelity, Vanguard or Schwab? I need to choose.

What's the reason that people split their non-taxable investments from their taxable ones in different places? In my case it was chance. I had accounts at lots of financial institutions due to historical reasons, and began an effort about 5 years ago to consolidate to one or two. I no longer wanted...
by tuningfork
Thu Apr 05, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: How to find a quality Estate Planning Attorney?
Replies: 13
Views: 1173

Re: How to find a quality Estate Planning Attorney?

I recently had an estate planning session with my Fidelity rep and a Fidelity estate planner. Fidelity maintains a list of estate planning attorneys that have been recommended by other Fidelity customers. If you are a Fidelity customer, you can access that list by logging in and using their online e...
by tuningfork
Tue Apr 03, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: How did you file your income taxes?
Replies: 77
Views: 4123

Re: How did you file your income taxes?

I use H&R Block Deluxe desktop software to e-file Federal, and I transcribe H&R Block's state results onto my state's tax web site for free. I abandoned TurboTax years ago due to all their shenanigans attempting to upsell me to a more expensive product that I don't need, as well as not particularly ...
by tuningfork
Wed Mar 21, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Need to pull some data off some old 5-1/4" floppy disks
Replies: 20
Views: 2656

Re: Need to pull some data off some old 5-1/4" floppy disks

If both machines have serial ports, you can just connect them with a crossover cable and run Kermit. But most modern PCs don't have serial ports. You can get a serial-to-USB adapter to add a serial port to a modern PC. Trendnet makes one that I've used. I'm surprised Kermit is still around. You als...
by tuningfork
Mon Mar 12, 2018 9:20 pm
Forum: Investing - Theory, News & General
Topic: T Rowe Price?
Replies: 15
Views: 1338

Re: T Rowe Price?

I have a chunk of money in some active T Rowe Price mutual funds in a taxable account, invested long before I knew about expense ratios or index funds. I'm generally satisfied with the performance of my TRP funds over the years, and their expense ratios are not outrageous. But my goals now are to si...
by tuningfork
Mon Mar 12, 2018 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity and online passwords.
Replies: 31
Views: 1965

Re: Fidelity and online passwords.

I'm not a techie or security expert, but is there a mechanism that could theoretically "hack" a password by random or guessing over a phone line? Seems like after a few failed attempts it would bail out. I don't know if the phone line channel would work any differently. It would be relatively trivi...
by tuningfork
Tue Mar 06, 2018 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should I agree to have my driving monitored in exchange for lower rates?
Replies: 65
Views: 5247

Re: Should I agree to have my driving monitored in exchange for lower rates?

they have you plug something into the OBD port. its not through your phone. Wrong. Several insurance companies now offer an app for this. Not all states or all drivers have the mobile option though. How would an app know if I'm driving my car, or if I'm a passenger in another car being driven by a ...
by tuningfork
Mon Mar 05, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Save paper copies of tax returns and other docs, or is digital OK?
Replies: 23
Views: 2394

Re: Save paper copies of tax returns and other docs, or is digital OK?

Back in the day I scanned a bunch of multi-page paper documents using Xerox OCR software that created a file format called XIF, thinking Xerox was a big company that would be around forever. Well, they still are but they abandoned that application and file format long ago. I keep a Windows 98 virtu...
by tuningfork
Sun Mar 04, 2018 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Save paper copies of tax returns and other docs, or is digital OK?
Replies: 23
Views: 2394

Re: Save paper copies of tax returns and other docs, or is digital OK?

I feel completely secure and future-proof saving documents exclusively in PDF. There are thousands of companies that save contracts in PDF. My company digitized all of our old paper contracts, and we exclusively use PDFs for new contracts, 99% of which are digitally-signed, with pen never touching ...
by tuningfork
Sat Mar 03, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: notice that fidelity password blocked
Replies: 18
Views: 1352

Re: notice that fidelity password blocked

If it is the case where you used the same password for a different (website) compromised account Fidelity should not be able to know. Fidelity should be hashing your password which would mean they don't know your actual password. Hopefully they are hashing passwords. Possibly there have been multip...
by tuningfork
Fri Mar 02, 2018 11:28 pm
Forum: Personal Consumer Issues
Topic: What are the Best Tablet to Read PDFs?
Replies: 29
Views: 2739

Re: What are the Best Tablet to Read PDFs?

Surface Pro 4. Comes with pen and Drawboard PDF reader that allows you to annotate, draw and highlight. The screen is large enough that you can work with a full size page without scrolling. It's light enough to hold like a book.
by tuningfork
Tue Feb 20, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Social Security and late life marriage
Replies: 10
Views: 1116

Re: Social Security and late life marriage

Thank you, this helps. I had never seen reference to the 9 (or 12) month requirement.
by tuningfork
Tue Feb 20, 2018 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Social Security and late life marriage
Replies: 10
Views: 1116

Social Security and late life marriage

I am single, age 60, and in a long term relationship with my girlfriend age 63. Neither of us have ever married, and we have no immediate plans to consider marriage (as they say, "it's complicated"). I retired several years ago from a private sector job with many years of social security credits. My...
by tuningfork
Tue Feb 13, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Should I claim chapter 7 bankruptcy? debt 110k
Replies: 64
Views: 7077

Re: Should I claim chapter 7 bankruptcy? debt 110k

If you go chapter 7, is anything really going to change? Or are you going to say "thank gawd the debt collectors are off my back" and do the exact same thing as soon as you get some more money? I suggest it's time to become a responsible adult, work out a plan to pay your debts and taxes, and stay a...
by tuningfork
Fri Feb 09, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Financially secure, horrible workplace but just can't FIRE
Replies: 55
Views: 7730

Re: Financially secure, horrible workplace but just can't FIRE

For most of my career I enjoyed my job. My plan had always been to be ready to retire by 55 (when early retirement benefits kicked in). Then, if the job ever turned sour I could quit at any time. As it happened, the job started going downhill a couple of years before 55. At 55 my finances checked ou...
by tuningfork
Tue Feb 06, 2018 10:51 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6593
Views: 1429685

Re: U.S. stocks in freefall

Hearing terms like freefall, largest drop ever, correction, and crash bandied about, I decided to look at my current allocation to see if there's been enough movement to force a rebalance. Nope, still within my +/- 5% bands. I do see a small tax loss harvesting opportunity, but it's so small it's pr...
by tuningfork
Mon Feb 05, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 11420

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

Moneydance won't let me connect to my Fidelity account for online banking, as Quicken does. (At least, Quicken connects to it as an investment account but allows me to characterize cash transactions as being in a separate checking account. I don't do online billpay through Quicken.) Moneydance also...
by tuningfork
Mon Jan 29, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 9431

Re: WHY do wireless routers need periodic reboots?

The people who love their routers could so us all a favor and post the brand and model numbers and add if they can be set up by a brainless person. Gootgle Wifi 3-pack. I have a 2300 s.f. house. Another Google WiFi 3-pack user here in a similar sized home. I have been using it for about 14 months, ...
by tuningfork
Mon Jan 29, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 9431

Re: WHY do wireless routers need periodic reboots?

Anything that needs to be power cycled or rebooted or restarted periodically to continue functioning suffers from buggy software, firmware or hardware. A properly designed and tested product will simply work, and will be robust enough to detect and recover from problems before they become serious en...
by tuningfork
Mon Jan 29, 2018 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Mechanics of doing a Roth IRA conversion
Replies: 5
Views: 691

Re: Mechanics of doing a Roth IRA conversion

Agree with doing the in-kind transfer of your IRA first, then do the Roth conversion. That's how I did my first Roth conversion. You initiate the transfer at Vanguard, probably online but I'm not sure if Vanguard lets you do it online (I transferred a couple of accounts to Fidelity recently and I wa...
by tuningfork
Thu Jan 25, 2018 10:26 am
Forum: Investing - Theory, News & General
Topic: Kitces article: A cash bucket in retirement? Nope
Replies: 150
Views: 12771

Re: Kitces article: A cash bucket in retirement? Nope

My initial strategy in withdrawing expenses in retirement was withdrawing an amount representing a year's expenses in late December of the preceding year. But I really didn't like seeing such a large sum sitting in an account with such a wretched interest rate. So this year I am withdrawing on a mo...
by tuningfork
Mon Jan 22, 2018 6:36 pm
Forum: Investing - Theory, News & General
Topic: likely date for a bitcoin crash: does this make sense to you?
Replies: 114
Views: 10924

Re: likely date for a bitcoin crash: does this make sense to you?

From this CNBC news article in November 2017: https://www.cnbc.com/2017/11/01/amazon-buys-crypto-domains-bitcoin-ethereum.html Amazon Pay's VP Patrick Gauthier told CNBC last month that Amazon had no plans to accept cryptocurrency because there hasn't been much demand yet There have been some rumors...
by tuningfork
Thu Jan 18, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing in last 12 months
Replies: 19
Views: 1597

Re: Rebalancing in last 12 months

I rebalanced at the beginning of October when my end-of-quarter financial review showed my rebalancing band had been tripped. My target AA is 65/35 and it had reached 71/29, so back to 65/35 it went.
by tuningfork
Sun Jan 14, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 95
Views: 8681

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

During power outages, cash is needed to pay—we were dining and the power went out. We had enough cash and paid the waiter and left. Folks with CCards and other forms of payment had to wait while the restaurant figured it out. I keep some currency just in case we have to evacuate, as ATMs may not be...
by tuningfork
Sun Jan 14, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Anyone Gone All the Way with LastPass?
Replies: 25
Views: 1706

Re: Anyone Gone All the Way with LastPass?

All my passwords belong to LastPass. It's convenient and secure. I also use two-factor authentication on my email account and financial sites when available, so if a bad guy somehow gets hold of my passwords, he can't get very far without me being alerted. I take other measures to limit the chances ...
by tuningfork
Wed Jan 10, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old Retiring Extremely Early-Domestic Wellesley or Half Global, Half Domestic Wellesley Better for my Bonds?
Replies: 55
Views: 7393

Re: 25 Year Old Retiring Extremely Early

What do the simulators like Firecalc, cFireSim and i-Orp tell you about how long $1,000,000 will last? What are your annual expenses projected to be? Have you considered health insurance costs, especially in later years? How much social security will you get, if any, with such a short working career...
by tuningfork
Mon Jan 08, 2018 9:56 am
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 11441

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

I think there is a need for people to humble-brag their net worth since it really is a significant achievement, and can inspire others that you can succeed without picking the next hot stock. But cultural norms prohibit net worth from being discussed with friends and most family, so the Bogleheads f...
by tuningfork
Mon Jan 08, 2018 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity, meeting scheduled with the advisor, what to ask or expect .
Replies: 25
Views: 2614

Re: Fidelity, meeting scheduled with the advisor, what to ask or expect .

I had my first meeting with my Fidelity rep recently. I had been putting it off for years but finally decided I should go ahead and see what she had to say. I told her I self-manage my portfolio and that I am retired. She asked questions about my AA, why I chose the specific funds (total market inde...
by tuningfork
Fri Jan 05, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 117
Views: 12365

Re: Crashplan for Home ending service late 2018

I asked a similar question to Ged, too but would you mind describing why you decided on Backblaze vs. DropBox, Amazon Drive, Google Drive, as your primary cloud backup? Short answer: Backblaze B2* is cheap and can store more data than I will ever possibly need. Long answer: I researched a lot of cl...
by tuningfork
Thu Jan 04, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 117
Views: 12365

Re: Crashplan for Home ending service late 2018

I started looking at alternatives when this thread started, and have pretty much settled on an solution based primarily on Arq plus Amazon Drive for bulk offsite backup. Crashplan is now dead to me. I don't miss it either. I really like the fact Arq has a lot of target options. I've tested it a cou...
by tuningfork
Thu Jan 04, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: "VB Account Agreement"--Checkwriting? No written orders? What IS this really about?
Replies: 16
Views: 1596

Re: "VB Account Agreement"--is checkwriting on death row? What IS this really about?

I take this to mean that if you mail them a check with a letter telling them to buy a fund, they may just stick the money in your Federal Money Market fund (or other settlement account) and not buy the fund. It will just sit there until you place an order in some other way. Again: why not? Is this ...
by tuningfork
Tue Jan 02, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Advice needed for paypal transaction
Replies: 14
Views: 1118

Re: Advice needed for paypal transaction

It's always a good idea to avoid clicking links in email. I logged in directly to Paypal, used Lastpass to fill in the credentials (Lastpass won't work on a spoofed URL) and have 2FA enabled for my Paypal login. The money was definitely in my account for real. Part of my sleuthing to decide that thi...
by tuningfork
Tue Jan 02, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Advice needed for paypal transaction
Replies: 14
Views: 1118

Re: Advice needed for paypal transaction

Thanks everyone for the advice. After sleeping on it, reading the responses here, reading up on Paypal's Buyer Protection, and doing a little sleuthing, I'm leaning toward completing the transaction. The Paypal receipt indicates I am eligible for Buyer Protection as long as I follow certain rules su...
by tuningfork
Mon Jan 01, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Advice needed for paypal transaction
Replies: 14
Views: 1118

Advice needed for paypal transaction

Background: I am a member of a photography forum that has an active buy/sell board. I have a bunch of photography gear for sale there right now and have sold several items in the last month. The forum strongly recommends all transactions to use Paypal due to availability of protections for both buye...
by tuningfork
Sun Dec 31, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 734
Views: 202382

Re: Share your net worth progression

2007: $1.7M (peak before the great recession) 2009: $983K (bottom, what a ride!) 2009: $1M (rejoined the 2 comma club) Yikes! Were you fully invested in equities at the time? At any rate, very impressive progress! My AA at the time was about 90/10. Once the recovery was well underway I rebalanced t...
by tuningfork
Sat Dec 30, 2017 12:35 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 734
Views: 202382

Re: Share your net worth progression

I've been keeping detailed financial records since the early 90's. I calculate "net worth" as the sum of all my banking and investment accounts, minus credit card debt. I don't have accurate house or car values historically so I don't include them in my historical "net worth". Neither do I include m...
by tuningfork
Thu Dec 28, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: What computer should I get?
Replies: 36
Views: 3615

Re: What computer should I get?

If you will be buying a new Windows computer, consider buying from the Microsoft Store, where you can buy computers without the bloatware that often gets tacked on by the computer manufacturers. No "free trials" or pop-up reminders or slowdowns from poorly written manufacturer crapware. Just pure Wi...
by tuningfork
Thu Dec 21, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Photos dark because of sunlight..what free software to enhance
Replies: 27
Views: 1979

Re: Photos dark because of sunlight..what free software to enhane

Google Photos is free and has some basic editing capabilities, including auto adjustments. You have to upload your photos to edit them. No software needs to be installed on your computer.
by tuningfork
Wed Dec 13, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 83
Views: 7688

Re: Ancestry / 23andMe

VictoriaF wrote:
Tue Dec 12, 2017 4:54 pm
I don't see any value in giving it to 23andMe in return for some bogus information that you are 25% African, 25% European, 25% Asian, and 25% Antractican.
Ah, so that explains why I like to eat squid!