Bogleheads.org

It may be simply because their ERs are no longer lowest in the industry and are now on par with many other products so nothing to brag about (at least for index funds/ETFs). Also - not something you really need to see in real time as they change infrequently.

Funny - I have left without my wallet by accident but not without my phone - phone always with me - feel naked without it on me. Also - I use spotify when driving and if my phone doesn't connect to my car I immediately notice (display says "no phone connected").
If you have no tech in car reminding you maybe keep a yellow sticky on the steering wheel that says "phone?" or something. I don't want to ever forget my phone in case a family member has an emergency and needs to reach me.
(Didn't read all replies before responding - forgive redundancies).

Big Dog wrote: ↑Tue Mar 21, 2023 11:54 am

SmileyFace wrote: ↑Tue Mar 21, 2023 10:40 am Briggs&Riley maybe?

B&R is still around

I know. Didn't say they were not.

Are you sure you can contribute $40K annually?
My understanding is that IRS limits ESPP programs to $25K annually (and that is pre discount).
I would still participate- max up to the $25K. I don't get the $40K

Briggs&Riley maybe?

When I read your first post I was going to guess it was citibank. I had a horrible time with them blocking stuff as fraudelent (I would switch to Chase or CapOne or BAC with each incident without issue). The final straw was when they blocked something and then it landed on my credit card anyway - - they didn't pay the vendor but charged me - after months of calls with people that had English language challenges and subsequent "investigations" I gave up trying to get that $100 back but vowed I would never do business with them again. It was an airline upgrade charge with United. They always seemed to block anything online airline related (even US based airlines - Delta, United, American). Also other online purchases. For 2% cashbac...

nisiprius wrote: ↑Mon Mar 20, 2023 6:37 am
A printed piece of paper with Vanguard's own logo on it should be pretty good documentation.

There is no watermark is there? For those of us dumping PDFs is there anything Vanguard (or whomever) would be able to use to say whether the printout was done by Vanguard or Myself? I can print high quality and have the logo as well if needed. I also wonder if there is any encoding in the PDF that can identify origin (versus paper that is easily forged).

Regarding time - even manually - I think I am saving PDFs monthly faster than it was taking me to open an envelope and carry a piece of paper over to an appropriate file.

Lastly - you may have better luck than me with USPS - my mail has been lost in the past or delivered to my neighbors.

Third party bank would proove they took my money for this recent big transaction.
That said - this is like a zombie apocalypse question to me - Don't think it would ever happen given today's data integrity especially if you aren't using some fly-by-night brokerage.

Which version of TurboTax are you buying and are you using the online or download?
I used Premier download - no problems with Roth or many other situations (although I don't do crypto nor small business filings).

I am missing you point I think.
What is actionable here?

I had one per child but as others have said it doesn't much matter since you can shift the money back and forth between the two beneficiaries as needed.

MDfan wrote: ↑Sat Mar 18, 2023 4:44 pm
Yeah, we have 3 accounts but none are in same household. I was not aware of any policy against it.

Sounds like I am the only one that actually reads the Terms I am agreeing to.

Will this become the new "Stock Market in Free Fall" thread?

Overall YouTube TV is a good product. I have found it better than other competitors such as sling that I've tried in the past. Zero interest in going back to normal cable. YouTube TV allows 3 simultaneous streams from different people (incl different households) and that sharing is above board. Really is a great value if you have 1 (or 2) people to split it with. Here are the current Terms: https://www.youtube.com/t/terms_paidservice Section on households (I added the underline) 5. Shared Accounts Each YouTube TV subscription comes with 5 additional accounts. All shared accounts must be from the same household or family living together, as determined by electronic check-ins every 30-90 days. Subscribers may not share their recordings with ...

Sell both and diversify.
You will have money riding on unvested shares and the next ESPP period - that is enough to let ride - no need to risk vested and purchased amounts.

Overall YouTube TV is a good product. I have found it better than other competitors such as sling that I've tried in the past. Zero interest in going back to normal cable. YouTube TV allows 3 simultaneous streams from different people (incl different households) and that sharing is above board. Really is a great value if you have 1 (or 2) people to split it with. Here are the current Terms: https://www.youtube.com/t/terms_paidservice Section on households (I added the underline) 5. Shared Accounts Each YouTube TV subscription comes with 5 additional accounts. All shared accounts must be from the same household or family living together , as determined by electronic check-ins every 30-90 days. Subscribers may not share their recordings with...

Overall YouTube TV is a good product. I have found it better than other competitors such as sling that I've tried in the past. Zero interest in going back to normal cable. YouTube TV allows 3 simultaneous streams from different people ( incl different households ) and that sharing is above board. Really is a great value if you have 1 (or 2) people to split it with. Do you have a reference for this? My terms specifically state "each family member must primarily live in the same household." We never use more than 2 streams max but every where I read - can't share outside family and household. Maybe the Terms changed since I signed up but I can't find anything (from YouTubeTV) that says outside family or outside household are legit.

I see some folks are okay with some ad supported content. Other than the superbowl - I never watch ads. During football season I start watching an hour after kickoff to skip all ads and just watch football. The same with everything else I watch. In many cases there are like 20 minutes of ads for each hour of TV - I don't want to watch ads - don't have the patience.
I guess what I am saying, for me, all else being equal I am willing to pay up just not to sit through ads.

anil686 wrote: ↑Thu Mar 16, 2023 9:45 pm I don’t understand why those who don’t watch live sports subscribe to these services though - seriously you can find almost everything for less cost….

I like it for live sports. But for others in my household there are junk TV shows on Bravo, MTV, HGTV, etc that they record and watch (individual DVRs is a great uplift over prior hardware based DVRs!). I am not sure where else to get all the same 100+ channels for much less. Enlighten me. I know I am saving quite a bit compared to Xfinity/verizon services. Maybe sling (looks like its missing a bunch of channels I need)? Fubo seems higher.
Found this: https://www.tomsguide.com/opinion/i-cut ... -heres-why

8301 wrote: ↑Thu Mar 16, 2023 9:27 pm From online:
Federal law: Postal regulations provide that "(c)arriers may cross lawns while making deliveries if patrons do not object and there are no particular hazards to the carrier."

In this case it sounds like the patron does object.

Sensor triggered water cannons should do it.

Arabesque wrote: ↑Thu Mar 16, 2023 3:05 pm Not to enter into a silly fight, but it would be very hard to teach a pointer to herd sheep and as hard to teach a Border collie to point game. Not all breeds are the same. People breed dogs carefully for specific purposes. Hence, some breeds, like retrievers, have “soft mouths” so that they don’t puncture their retrieve. Other breeds, guardians and fighters, have poor bite inhibitions because they are supposed to bite.

This is pretty obvious if you work with breeds.

And there is a reason why certain insurance companies in certain states may not want to insure you (or will increase your rates) if you own certain breeds.

lazydavid wrote: ↑Thu Mar 16, 2023 1:59 pm

SmileyFace wrote: ↑Thu Mar 16, 2023 1:41 pm

lazydavid wrote: ↑Thu Mar 16, 2023 1:38 pm The same email lowered the price of the 4k Plus package from $20 to the formerly-promotional $10 rate. So they found a way to get that money out of me, or at least most of it. I'm not willing to pay $20, but I am willing to (and did during my promo period) pay $10, plus they're raising the base by $8, so they're very likely going to wind up with an extra $18/mo out of me vs. today. Very clever.

Have you compared this new price to other options? (Fubo, sling, or whatever)

I hadn't, but did a cursory comparison just now. Fubo would be about $8 more expensive than the new YTTV prices for comparable service. Sling is cheaper, but fewer channels and features.

Thanks.

lazydavid wrote: ↑Thu Mar 16, 2023 1:38 pm The same email lowered the price of the 4k Plus package from $20 to the formerly-promotional $10 rate. So they found a way to get that money out of me, or at least most of it. I'm not willing to pay $20, but I am willing to (and did during my promo period) pay $10, plus they're raising the base by $8, so they're very likely going to wind up with an extra $18/mo out of me vs. today. Very clever.

Have you compared this new price to other options? (Fubo, sling, or whatever)

LaurenRose wrote: ↑Thu Mar 16, 2023 8:20 am
For all those who have complete confidence in lodging door security

I just went back and reread all the posts - I am somehow missing all the posts from people who made a statement about having this "complete confidence".

I always check against BBB ratings and reviews - even if I got several postive known referalls to the person.
Also - the one time I had an issue with a contractor and filed a complaint with BBB (he had gone dark after an incomplete job and several promises to fix it prior). HE was out to fix the problem the next day after months of runarounds. He also gave me a part refund - wanted to do anything for me to sign off that the complaint had been resolved.

Stay in the better hotels they have cameras in the hallways and security personnel. If they are in a major city there also may be no way of getting up to your floor without a key. Nothing is fullproof and perhaps you are traveling to places without decent hotels - but if I need to barricade myself in my room I don't want to be in that city/area anyway (since I would be more likely to be harmed when I left my room anyway).
Carry pepper spray if legal in your location - leave where you can reach it at night.

My opinion as a purebreed dog owner for 10+ years, watching dogs both purebred & mixed at training classes. In general there is no such thing as a "calm dog breed." There is greater variation between individual dogs in a breed than between breeds. Besides a very few number of traits, most behavior is due to individual variation as well as environment & training. If you want a calm dog, find a calm dog (whether puppy or rescue) and work to make them feel secure in their environment and with your care. Patience, consistency, and simply paying attention to what they're communicating. One trainer I worked with described the ideal relationship between dog + handler as parental. You want them to feel securely attached to avoid ...

Does it seem like I'm suggesting skin in the game/incentivizing is a good strategy? I seem to be getting a lot of comments where people disagree with me there but to my eye, I didn't suggest it. No - I didn't read your post that way nor meant to imply I did. I said "different strategies" work meaning you had a fixed allocation per child while I did not. I agree with many strategies working (except those that artificially force skin in the game which neither of us stated we applied to our situations). Me - my parents had no money and I had no concept for money and debt so I went to school on grants and lots of loans which took me many years to pay back. I didn't want to straddle my kids with that kind of debt starting out. No one ...

toddthebod wrote: ↑Mon Mar 13, 2023 12:31 pm
I always pay my copay when I check in. I have a boring HMO, I haven't received a bill from a doctor's office since switching from a 10% coinsurance plan about a decade ago. That's why I was asking.

I remember having an HMO 20 years ago but haven't had access to one in many years (didn't realize they still existed). Many of us now have High-Deductible plans now that require copays for everything. I get Doctor bills for almost everything. Even the last PPO plan I had came with a deductible and co payments.

Every accident I have ever had (not that many, but more than a couple), I have arranged everything through my own insurance company and had them deal with the other party's insurance. I have never dealt with another party's insurance company ever. Not only that, every time I filed a claim, whether it was my fault or the other party's fault, my insurance company has explicitly instructed me not to talk to the other party, their insurance, or anyone claiming to represent them. I have heard/read that a lot and have pushed on my MA insurance a lot, to no avail. What state are you in? I wonder if it is a state thing.. Live in MA and have done everything through our own insurance company when rear ended BUT was told by our insurer we would have ...

anoop wrote: ↑Mon Mar 13, 2023 4:04 pm

SmileyFace wrote: ↑Mon Mar 13, 2023 2:53 pm BE CAREFUL - are you talking to Comcast? They called me with this offer and I am not a customer - it was a scam trying to collect on that 1 year up front. Call the Comcast phone number on your bill and see if they actually have such an offer.

The number they left on voicemail was
1-855-800-4071
which announces itself as an Xfinity number.

But I think I will just pass for now.

Maybe I will look into Fidium Fiber.

If you do look into it call the number on your bill and not the number they left you. Anyone can set up a number and answer the phone pretending they are Xfinity.

Bass4 wrote: ↑Mon Mar 13, 2023 3:48 pm It’s a shame when someone refers to their wedding as “the best day of their life”…it’s just the beginning

This thought occurred to me as well. Maybe they don't have children (or at least not yet).

As the father of 4 daughers for whom I have picked up the tab I will say this...three were traditional Catholic weddings in the church with the reception at our farm using the " wedding barn" for the party that followed...we have been super lucky with weather and we had between 450-600 people at each wedding...we served BBQ type meals and we used our own beef which saved us some cash and we had an open bar. 4th daugher was a civil deal as the church doesnt do same sex weddings so we did the whole shabang at the farm. About the same crowd, same arraingments. I dont even remember what we spent on the weddings but I do remember that everyone had a terriific time, everyone had tons to eat, lots of dancing, music, love and memories. I...

As others have asked: Why so much in checking? Is it a special high interest checking account. If not - Move to MM or HYSA as others have mentioned. $12k in CDs as a goal - what does that do for you? Lots of trouble probably for only $10 more than if you just stick it in you MM. If CDs where paying well maybe 4 $25K CDs with each coming due every 3 months would make sense - but they aren't really (unless you are able to find them). I went into a strategy years ago where I bought another $10K to $20K in ibonds each year and reduced my EF by a similar amount (so consider those 2nd tier EF and for retirement if not used). Why do you have childcare costs with a stay at home parent? Just curious but in any case - certainly not an expense you need.

I know at least for me it makes a huge difference in sleep quality. How do I know? Business travel - if I stay in a nice hotel with a nice matress I sleep great. Sleep in a budget hotel with a budget matress and not so much. When I get home after a trip and slide into bed I love coming home to my own matress - I instantly feel the difference in mattresses. This is an area where I don't go cheap.

BE CAREFUL - are you talking to Comcast? They called me with this offer and I am not a customer - it was a scam trying to collect on that 1 year up front. Call the Comcast phone number on your bill and see if they actually have such an offer.

Fishing2retire wrote: ↑Mon Mar 13, 2023 11:43 am Thanks for all the responses! Seems like the cavalier King Charles spaniel is pretty popular small breed. Or a mixture of that breed like cavapoo. Has anyone had a havenese? Or havapoo?

We considered a havenese but read about issues such as allergies and other issues with them so stayed away.

My Father-in-law made this quoted remark to me and I simply said " but that college doesn't provide the additional $150,000 in value it would cost me for a simple 4 year degree" and his eyes went wide as he had no idea what the big price tags had become. OP: I raised my kids understanding both the value of money and value of an education. That was the only strategy I needed. I didn't need to pay them for grades nor force them into debt to go to college nor force them to work multiple jobs thru college to pay for it. (They got jobs but on their own to have extra spending money). $150k is more than the median NW for someone my age (41). Can you imagine the "normal" family making these decisions; the difference in costs ca...

cowdogman wrote: ↑Mon Mar 13, 2023 1:54 pm Two gold bands from Tiffany's on Fifth Avenue in NYC (circa $600). No engagement ring--we had zero money.

Married at the college chapel by the college minister (free).

Long dinner at a local restaurant for about 20--immediate family and friends ($1,000--this was 1986).

Went to the local state park and swam in the river (free).

Still married.

Wouldn't change a thing.

People with zero money don't usually step foot inside Tiffany's in NYC. Lol.

finally, i’ll share what my business partner told me which i took to heart: “send your kids to the best college you can afford”. the key is that each person has to figure out what they can afford. My Father-in-law made this quoted remark to me and I simply said " but that college doesn't provide the additional $150,000 in value it would cost me for a simple 4 year degree" and his eyes went wide as he had no idea what the big price tags had become. OP: I raised my kids understanding both the value of money and value of an education. That was the only strategy I needed. I didn't need to pay them for grades nor force them into debt to go to college nor force them to work multiple jobs thru college to pay for it. (They got jobs but o...

I don't regret it. We got married at age 24 and have parents that fortunately were happy to pay for the vast majority of it. The total wedding cost around $30,000 and we had about 170 guests. We had it at a very nice venue with open beer and wine all night (around $15-20/person) and a nice meal that was around $30-$35/person. It was a great night and our guests had a great time. I do regret not spending MORE money on a great photographer and videographer. We went with a cheap option in a family friend as our photographer and our photos did not turn out as good as they should have. My brother took photos of the wedding ceremony from the balcony with a very nice Cannon SLR. It was very fortunate. The photographer's camera's shutter broke aft...

To the point above - your post might be more informative to folks if you tell us WHY you are doing this. To what purpose did you make this decision? How does it fit into your strategy? What other trade offs did you make? Or, if you have a question, ask it. Or, maybe this is a followup to some other discussion I missed in which case you should mention that other thread.
There is no discussion to be had otherwise so not sure why the post.

lomiras285 wrote: ↑Sat Mar 11, 2023 2:23 pm What do you do? Open or closed? Any reason?

A poor baby Rabbit stepped on a mouse trap last spring. I was able to capture and free it and it didn't seem injured (after hopping around with trap on foot). That kind of settled the debate for us. I know we could try other traps but we also have found snakes in the garage - cooler than outdoors so they are attracted in. Garage is always closed. We have a keypad to open/close if out for a walk.

finally, i’ll share what my business partner told me which i took to heart: “send your kids to the best college you can afford”. the key is that each person has to figure out what they can afford. My Father-in-law made this quoted remark to me and I simply said "but that college doesn't provide the additional $150,000 in value it would cost me for a simple 4 year degree" and his eyes went wide as he had no idea what the big price tags had become. OP: I raised my kids understanding both the value of money and value of an education. That was the only strategy I needed. I didn't need to pay them for grades nor force them into debt to go to college nor force them to work multiple jobs thru college to pay for it. (They got jobs but on...

It wouldn't seem "fair" to your guests?
I hope none of my relatives feel like they need to throw a $33,000 party to have me attend their wedding. If all they can afford without going into debt is a simple buffet at a local VFW I am still happy to attend. Spending time catching up with everyone no matter the venue is still enjoyable. If the bar is a cash bar I am not insulted - I am buying first round.
Maybe you and your family are all well off with generational money so are coming from a different place but that amount is well beyond reasonable to much of my extended family.
If you have the excess money - sure - party up.

Lhasa Apso or Shih Tzu. No shedding - small - freindly - calm - smart.
Bijon or Toy poodle or minature poodle are other options although not as calm as a Lhasa.
I agree that Golden Doodles are off the charts rambunctious. I don't understand why they are so popular - 3 out of 4 people I know that have them have regrets not realizing how high energy they are.

If she is considering sticking it out while looking for another job versus quiting immediately without 2 weeks notice - I don't understand why she can't quit giving 2 weeks notice.
I would quit but give 2 weeks notice. It's much easier to deal with things when you know the days are numbered.

Lastly - Be careful with vested RSUs - do you want that much concentrated risk? Consider selling, at least half (better yet - all), and buy VTI with the proceeds.

Depends upon what you are saving for:
- second tier emergency consider series I bonds (tax deferred and inflation protected)
- kids college savings consider 529 plan (tax free growth)
- treasuries or HY CDs for short term needs (house in a few year)
- VTI or ITOT in taxable for retirement or other long term investment

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