Search found 975 matches

by 2015
Fri Dec 15, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: For those in retirement, how close is your post retirement spending to your pre-retirement estimate?
Replies: 26
Views: 2112

Re: For those in retirement, how close is your post retirement spending to your pre-retirement estimate?

Deflation! Due to assiduous tax-bracket planning and management, taxes have plunged to about $600/year in retirement. I'll save $4600 on my healthcare expenses next year thanks to figuring out the Rubik's cube mechanics of the ACA and, barring no change to the ACA, save another $4K in 2019 and $1K i...
by 2015
Thu Dec 14, 2017 9:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: Holiday thanks to Bogleheads. How have they helped you?
Replies: 24
Views: 2050

Re: Holiday thanks to Bogleheads. How have they helped you?

I'll add VictoriaF to the list for her excellent posts on internet security and bigger picture thinking.
by 2015
Thu Dec 14, 2017 4:02 pm
Forum: Investing - Theory, News & General
Topic: Accelerating deductions into 2017
Replies: 5
Views: 640

Re: Accelerating deductions into 2017

Some of us, just because we might like to do that, are rethinking our roth conversion/recharacterization and ACA interplay strategies for 2018.
by 2015
Thu Dec 14, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 64
Views: 4721

Re: TaxAct and alternatives

Thank you, 2015, for sharing your experience with your downloaded preview of TaxAct. That will help us greatly with our planning. Regarding the Roth re-characterization which you are attempting to model, have you checked to make sure that in your 1099-R dummy that you filled out that you put the co...
by 2015
Wed Dec 13, 2017 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 64
Views: 4721

Re: TaxAct and alternatives

2015, is this your preview copy of the download version of TaxAct which you ordered earlier this season? From what you see so far, are the tax tables updated to 2017 rates or are they still listed as 2016 rates? I ask because we and maybe some others on the forum would like to use the preview versi...
by 2015
Wed Dec 13, 2017 12:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 53
Views: 4022

Re: Vanguard Security Keys

I am never sent an SMS text when using the security key to log in. Only once, when I was initially learning not to use the key with the device on anything but a flat surface, I had to resort to SMS text as backup. Since then, I've always used the key and never request or receive an SMS code. If you...
by 2015
Wed Dec 13, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 64
Views: 4721

Re: TaxAct and alternatives

Got an email today that the Taxact 2017 preview is available. So I downloaded it and today is going to be preliminary tax day for me. Notably, TA preview gets later and later every year.
by 2015
Tue Dec 12, 2017 10:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 53
Views: 4022

Re: Vanguard Security Keys

I am never sent an SMS text when using the security key to log in. Only once, when I was initially learning not to use the key with the device on anything but a flat surface, I had to resort to SMS text as backup. Since then, I've always used the key and never request or receive an SMS code. If you...
by 2015
Tue Dec 12, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 76
Views: 3964

Re: Moto G5 Plus: Software updates?

Re Speech to Text - I would love to get this to work on my G5+. However, I have not been able to figure that out unless I turn on OK Google. OK Google listens to you all the time and reacts. I don't need Google listening to me all the time, so I don't want that feature on. On an older Android, my k...
by 2015
Tue Dec 12, 2017 4:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 53
Views: 4022

Re: Vanguard Security Keys

I am never sent an SMS text when using the security key to log in. Only once, when I was initially learning not to use the key with the device on anything but a flat surface, I had to resort to SMS text as backup. Since then, I've always used the key and never request or receive an SMS code.
by 2015
Tue Dec 12, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 76
Views: 3964

Re: Moto G5 Plus: Software updates?

Interesting thread. Re Privacy & Maps: In the interest of protecting my privacy, I regularly turn off location services on my Moto G5+ unless I am using the Map wayfinding feature. Re Remote kill of the phone: I did not know about the "Find, Lock or Erase a lost Android." Thank you for the link abo...
by 2015
Tue Dec 12, 2017 12:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 53
Views: 4022

Re: Vanguard Security Keys

So basically supporting the key does provide extra security (by preventing this attack), but only if the user also has a policy of always using the key to log in. So if I have a policy of always using the key to log in to the real Vanguard site I will not receive any security codes as part of that ...
by 2015
Mon Dec 11, 2017 4:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 53
Views: 4022

Re: Vanguard Security Keys

If you are stating that VG's present setup is less than ideal, you are far from alone in that assertion. So do you agree with my assertion that based on Vanguard's present setup , the security key option is not more secure than using security codes? No. See the last paragrapraph of my most recent p...
by 2015
Mon Dec 11, 2017 4:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 53
Views: 4022

Re: Vanguard Security Keys

If you are stating that VG's present setup is less than ideal, you are far from alone in that assertion. So do you agree with my assertion that based on Vanguard's present setup , the security key option is not more secure than using security codes? No. See the last paragrapraph of my most recent p...
by 2015
Mon Dec 11, 2017 4:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 53
Views: 4022

Re: Vanguard Security Keys

Here is what I am saying... Vanguard does not require the security key to access your account. So it doesn't matter if you set it up, and it doesn't matter if you use it every time you long on, because it is optional, and that means someone else can pretend to be you and pretend that they lost the ...
by 2015
Mon Dec 11, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 53
Views: 4022

Re: Vanguard Security Keys

I think this is still missing the. OPs point. It's not the OPs behavior that's under question, but the attacker's. The attacker can easily use code sent to a phone instead of the Yubi, because Vanguard allows this. OP is asking what's the point of changing OPs behavior when it doesn't make it any t...
by 2015
Mon Dec 11, 2017 1:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 53
Views: 4022

Re: Vanguard Security Keys

What is your attack scenario? Security threats do not exist in a vacuum, nor do attackers pop out of thin air. When you say the attacker "can easily use code sent to a phone," how are they getting those codes? It's most likely going to be through phishing. But if your behavior is to always expect a...
by 2015
Mon Dec 11, 2017 1:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard economic and market outlook for 2018
Replies: 27
Views: 2510

Re: Vanguard economic and market outlook for 2018

Anything like this is a total turnoff to me. I’m sure for Vanguard it’s a marketing obligation . The outlook from Fischer Investments is probably just as credible and can be delivered in a real fancy envelope. — Tet Every prediction is a marketing obligation of one sort or another. A good heuristic...
by 2015
Sun Dec 10, 2017 9:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 53
Views: 4022

Re: Vanguard Security Keys

So is my conclusion correct... a security key does not provide additional security over using security codes? They both provide strong account security. The security key is a technically better though because it cannot be phished. With security codes, a bad actor could trick you into entering the s...
by 2015
Sun Dec 10, 2017 9:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard economic and market outlook for 2018
Replies: 27
Views: 2510

Re: Vanguard's 2018 Outlook has extremely low expected returns

I predict there will be more predictions in the coming year, predictions that are based on crystal ball gazing and have little correlation to what actually occurs in the world. +1 Not to mention all the other valuations voodoo, links to throwing of chicken bones, threads on witch doctor "expert" pr...
by 2015
Sun Dec 10, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Executor responsibilities
Replies: 44
Views: 2925

Re: Executor responsibilities

Thank you for posting this. It is exactly the process I .... will be using when the time comes to serve as executor for my mother's estate. I am glad if my notes might help. To tell a past story (assuming the IRS cannot identify me from this post!) I went through essentially the same process many y...
by 2015
Sun Dec 10, 2017 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 101
Views: 8768

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

To be honest, I am not a fan of affirmations or stuff that comes out of fortune cookie as it is not direct on what to do and is hard to be actionable after reading it. I have found out the lowest hanging fruit in success in life is PLANNING. That simple. I figure there are about 80% of people (if e...
by 2015
Sun Dec 10, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Executor responsibilities
Replies: 44
Views: 2925

Re: Executor responsibilities

I am in a similar situation right now with my father. I understand there are two issues, and bsteiner has suggested a third. 1. How to pay final expenses and income taxes. My father also has a will that, on its face, would need to be probated, with me as the executor. Working with my father, I have...
by 2015
Sun Dec 10, 2017 12:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Security Keys
Replies: 53
Views: 4022

Re: Vanguard Security Keys

No, the key is not "required". When I first got my Yubikey and was still learning not to use it while the laptop is on anything but a flat surface :oops: I actually had to have VG send a text during a log on. OTOH, shortly thereafter I learned to use it only when the device is flat and now only use ...
by 2015
Sat Dec 09, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 76
Views: 3964

Re: Moto G5 Plus: Software updates?

Victoria Please note that, so far, I have zero experience of using smartphones. One of many reasons for not using a phone earlier is that I've seen many articles about various smartphone exploits. Krack is the name of a recent WiFi exploit; there were WiFi vulnerabilities before Krack and there wil...
by 2015
Fri Dec 08, 2017 4:02 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Is Worried About U.S. Pensions
Replies: 85
Views: 8206

Re: Jack Bogle Is Worried About U.S. Pensions

The facts are there: - Bonds yield are low. - Stock valuations are high. Therefore the main driver of gains become earnings growth. I'll leave as a simple exercise for those interested to estimate how much earning growth is needed to make 10%/year. It is as simple as that, not to mention that a lar...
by 2015
Fri Dec 08, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Why am I still scared ? Is it actually normal ?
Replies: 73
Views: 11346

Re: Why am I still scared ? Is it actually normal ?

Many times what we are worried about is related to something else. I highly recommend reading The Science of Fear along with The Gift of Fear: https://www.amazon.com/Gift-Fear-Survival-Signals-Violence/dp/0440226198 https://www.amazon.com/Science-Fear-Culture-Manipulates-Brain/dp/B0030EG0OS/ref=sr_1...
by 2015
Fri Dec 08, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Is Worried About U.S. Pensions
Replies: 85
Views: 8206

Re: Jack Bogle Is Worried About U.S. Pensions

No disrespect to Jack, but the "experts" have been predicting negative returns in bonds for the past 5 or 6 years and low stock returns for the last year or two. Hasn't happened as predicted. Sure, if you keep forecasting a poor returns, you will be correct eventually. Even a broken watch is right ...
by 2015
Thu Dec 07, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: SSN on job applications
Replies: 33
Views: 1734

Re: SSN on job applications

I always simply left the SSN area blank. When applying for anything, always ensure your background and qualifications speak for themselves while ensuring they match the position you are applying for. And did a company (if interested) ever contact you and ask you for it so they could move forward wi...
by 2015
Thu Dec 07, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: SSN on job applications
Replies: 33
Views: 1734

Re: SSN on job applications

In my past experience with multiple employers your application would be discarded if you didn't include the SSN. Good luck. Never heard of such a thing. Employers (and well-trained hiring managers) spend no more than about 5 seconds scanning the meat of your resume and or application (i.e., the exp...
by 2015
Thu Dec 07, 2017 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: should I use vanguard's 2 step verification sign in
Replies: 34
Views: 3576

Re: should I use vanguard's 2 step verification sign in

If you're using 2FA, make sure its done in a more secure way... Why to use Google Authenticator over SMS/Text codes: https://www.wired.com/2016/06/hey-stop-using-texts-two-factor-authentication/ I use Authenticator and printed passcodes as backup recovery to Yubikey at VG, and avoid SMS 2FA on othe...
by 2015
Thu Dec 07, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: SSN on job applications
Replies: 33
Views: 1734

Re: SSN on job applications

In my past experience with multiple employers your application would be discarded if you didn't include the SSN. Good luck. Never heard of such a thing. Employers (and well-trained hiring managers) spend no more than about 5 seconds scanning the meat of your resume and or application (i.e., the exp...
by 2015
Thu Dec 07, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: LMP until Social Security at 70
Replies: 10
Views: 903

Re: LMP until Social Security at 70

I agree with dbr in that it depends with a lot of moving parts. It certainly depends on the size of one's PF, one's AA, one's desired annual income, as well as the size of SS after 70. I currently have 1 year in cash and 3 yrs expenses in VBIRX because I'm too lazy to ladder CD's at this time. In a ...
by 2015
Wed Dec 06, 2017 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Umbrella liability insurance policy to match portfolio size?
Replies: 30
Views: 2704

Re: Umbrella liability insurance policy to match portfolio size?

To use an imperfect analogy: if you were constructing a building at the seashore, would your seawall be the height of the largest wave (plus some margin), or the height of the building? Clearly what matters is the tallest wave you might encounter. As others have said, ANY size umbrella policy can b...
by 2015
Wed Dec 06, 2017 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard e-delivery
Replies: 30
Views: 2871

Re: Vanguard e-delivery

Just about everything I do is digital. Paper of any kind is a nuisance to me, something to be opened, handled, filed, stored, shredded, recycled. Physical handling is space-hoarding while access is space-freeing (and freeing in other ways as well). Access leads to efficiency, greater effectiveness, ...
by 2015
Wed Dec 06, 2017 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Risk management
Replies: 8
Views: 730

Re: Risk management

Still waiting to hear back from them, my hopes are not too high tho. One of the manager threw that question to me towards the end of the interview, didn't quite get what he was asking either so i said yes and kinda explain the mechanism. There was another one on my thoughts on index reconstruction,...
by 2015
Wed Dec 06, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 76
Views: 3964

Re: Moto G5 Plus: Software updates?

Edited to add: I use Uber and yes they do have my credit card info, but I'm not concerned with someone stealing my phone just to get my CC info. Same with GPS. To me the risk is quite small whoever would steal my phone would be doing so to learn my address and try and rob me. I am also really happy...
by 2015
Tue Dec 05, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Lowering real estate agent costs when selling?
Replies: 34
Views: 2592

Re: Lowering real estate agent costs when selling?

The problem with all of this advice is that, by definition, real estate is local. In some areas, FSBO or Redfin are common while in others they aren't. Only take advice from someone who knows your specific area very well. For example, in my town most sellers use an agent. When you see someone selli...
by 2015
Tue Dec 05, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: should I use vanguard's 2 step verification sign in
Replies: 34
Views: 3576

Re: should I use vanguard's 2 step verification sign in

Got an email from Vanguard offering 3 new security measures for accounts. Sounds like a good idea but thought I would put it out for any discussion before I make any changes. I am thinking of just using the security code via text option. Security codes This service—a type of “2-step verification”—s...
by 2015
Tue Dec 05, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Best solution for digitizing documents?
Replies: 43
Views: 3406

Re: Best solution for digitizing documents?

Fujitsu ScanSnap (to scan) and then PDFPenPro (to OCR). Some moved to specific folders using Hazel (based on account numbers). All automatic. I hate paper and do what I can to eliminate it . And it drives me nuts when other people will print something and then scan it so they can email it to me. <s...
by 2015
Mon Dec 04, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Parents Retirement
Replies: 13
Views: 1767

Re: Parents Retirement

Is downsizing a possibility? Would they be willing to relocate to an area with a lower cost of living, assuming they could find one?
by 2015
Mon Dec 04, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 76
Views: 3964

Re: Moto G5 Plus: Software updates?

Edited to add: I use Uber and yes they do have my credit card info, but I'm not concerned with someone stealing my phone just to get my CC info. Same with GPS. To me the risk is quite small whoever would steal my phone would be doing so to learn my address and try and rob me. I am also really happy...
by 2015
Mon Dec 04, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes in Retirement: Resources?
Replies: 11
Views: 1299

Re: Taxes in Retirement: Resources?

FiveK wrote:
Mon Dec 04, 2017 1:30 pm
2015 wrote:
Mon Dec 04, 2017 11:54 am
...there is an current informative and useful discussion going on at earlyretirement.org.
http://www.early-retirement.org/?
Yes, sorry for the confusion.
by 2015
Mon Dec 04, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 76
Views: 3964

Re: Moto G5 Plus: Software updates?

Victoria, check out Republic Wireless. ... For example, I used wifi at the resort I was at in Mexico to access this and other forums and blogs Thank you, I will check out Republic Wireless. When you were in Mexico, you just used WiFi, right? You did not get a local SIM? Victoria I was in Punta Mita...
by 2015
Mon Dec 04, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 76
Views: 3964

Re: Moto G5 Plus: Software updates?

Victoria, check out Republic Wireless. I've been with them since getting my 1st Gen G 2 1/2 years ago. I have the talk/text/unlimited data over Wifi with no cell data for $12.00 month. If I'm understanding Republic correctly, that will rise to $15.00 a month with this new phone. Unlike many, I rarel...
by 2015
Mon Dec 04, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 76
Views: 3964

Re: Moto G5 Plus: Software updates?

You can do everything on your phone with no SIM except make a call and text with your number. Even that isn't really true. You can update all apps on Wi-Fi (when you get the phone, there will be updates because it has been sitting at the install version). Excellent! You can install an app like Text...
by 2015
Mon Dec 04, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Taxes in Retirement: Resources?
Replies: 11
Views: 1299

Re: Taxes in Retirement: Resources?

For me, all bets are kinda off until the final tax reform law is out. Then I'll start shaking the blogsphere/website bushes regarding strategies with which to respond. Unlike here, there is an current informative and useful discussion going on at earlyretirement.org.
by 2015
Sun Dec 03, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: Investment Portfolio Tracking & Spreadsheets
Replies: 35
Views: 2895

Re: Investment Portfolio Tracking & Spreadsheets

OTOH, since I've been using them for years, they don't seem complex at all. The spreadsheets are invaluable as they help me remain within net worth targets, monthly budgeting targets, category expenditure targets, and annual budget targets. THIS! Based on one excellent thread here, I consolidated a...
by 2015
Sun Dec 03, 2017 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: A " Bond Tent" During the "Retirement Red Zone?"
Replies: 52
Views: 4665

Re: A " Bond Tent" During the "Retirement Red Zone?"

As you approach retirement, assuming you have accumulated enough, you should protect that enough against the possibility of a potentially adverse event, or series of adverse events. This is generally known as the Sequence of Return Risk. Since we know bonds are less volatile than stocks it would no...
by 2015
Sat Dec 02, 2017 7:19 pm
Forum: Investing - Theory, News & General
Topic: Investment Portfolio Tracking & Spreadsheets
Replies: 35
Views: 2895

Re: Investment Portfolio Tracking & Spreadsheets

If any of you, guys, would share your advanced spreadsheets, we all would appreciate! If you look around the web, you can always find a free template spreadsheet that will roughly match your specific situation and what you're trying to accomplish. This is always been the case for me. The downloaded...