Search found 177 matches

by aarondearu
Sun Jan 24, 2021 5:25 pm
Forum: Personal Investments
Topic: Still buying Bonds?
Replies: 68
Views: 6856

Re: Still buying Bonds?

OP, how do you maintain your AA if you don't buy bonds? People buy other fixed income like cash, munis, Ibonds, etc. Ibonds are bonds. Munis are bonds. You’re right. I meant TBM in my head :sharebeer The original question was "Are you still buying TBM?" People are still buying total bond ...
by aarondearu
Sun Jan 24, 2021 4:25 pm
Forum: Personal Investments
Topic: Still buying Bonds?
Replies: 68
Views: 6856

Re: Still buying Bonds?

Streptococcus wrote: Sun Jan 24, 2021 4:21 pm
aarondearu wrote: Sun Jan 24, 2021 4:09 pm OP, how do you maintain your AA if you don't buy bonds?
People buy other fixed income like cash, munis, Ibonds, etc.
Ibonds are bonds. Munis are bonds.
by aarondearu
Sun Jan 24, 2021 4:09 pm
Forum: Personal Investments
Topic: Still buying Bonds?
Replies: 68
Views: 6856

Re: Still buying Bonds?

OP, how do you maintain your AA if you don't buy bonds?
by aarondearu
Sun Jan 24, 2021 5:05 am
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4142
Views: 201572

Re: GameStop GME: anyone joining?

ok that WSB reddit is hard to look at. I saw someone who had $8K a year ago and now has a $5MM GME position and holding while some folks are shouting "dude cash out and put it in boomer etfs!!" Is that we we do? Buy boomer ETFs? haha. I like it. I hope this person takes their winnings. Th...
by aarondearu
Fri Jan 22, 2021 9:53 pm
Forum: Personal Consumer Issues
Topic: Best State and National Parks in the Southeast
Replies: 54
Views: 3847

Re: Best State and National Parks in the Southeast

I am wondering about where to draw the line for what is Southeast. "The US Geological Survey considers the Southeast region to be Alabama, Florida, Georgia, Arkansas, Louisiana, Mississippi, North Carolina, South Carolina, and Tennessee, plus Puerto Rico and the U.S. The Virgin Islands."
by aarondearu
Tue Jan 12, 2021 1:59 am
Forum: Personal Finance (Not Investing)
Topic: Would you take this tech contractor position?
Replies: 29
Views: 2897

Re: Would you take this tech contractor position?

I would argue that someone making $300k isn't working 40 hour weeks or taking alot of vacation.

60hr/week * $90/hr * 48 weeks/year (4 weeks off) = $259,200
by aarondearu
Wed Jan 06, 2021 5:29 am
Forum: Personal Investments
Topic: Could use some advice on my portfolio and growth
Replies: 27
Views: 1781

Re: Could use some advice on my portfolio and growth

I see nothing wrong with putting a few thousand into some stock picking to see what happens. How does one decide when to sell it eventually or which ones to pick? That’s the part I’m confused about That's the problem. No one knows. Just for fun here is a comparison of IBM (a once high flying tech c...
by aarondearu
Wed Jan 06, 2021 5:01 am
Forum: Investing - Theory, News & General
Topic: Bitcoin, Starbucks or Doordash?
Replies: 59
Views: 3419

Re: Bitcoin, Starbucks or Doordash?

Starbucks as long as its one with alcohol.
by aarondearu
Wed Jan 06, 2021 4:03 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2807
Views: 445934

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Why? Brokerages have additional insurance on top of SIPC. Fidelity -- "Total aggregate excess of SIPC coverage available through Fidelity's excess of SIPC policy is $1 billion." https://www.fidelity.com/why-fidelity/safeguarding-your-accounts Fidelity has 3T under management. If the 1b co...
by aarondearu
Wed Jan 06, 2021 3:54 am
Forum: Personal Consumer Issues
Topic: USPS is incredibly fast!
Replies: 102
Views: 7620

Re: USPS is incredibly fast!

Thumbs up for USPS. I mailed cards all over the US on Dec 28 and they've all been received.
by aarondearu
Wed Jan 06, 2021 3:37 am
Forum: Investing - Theory, News & General
Topic: The Final eFund Debate: Put it in Permanent Portfolio!
Replies: 35
Views: 2218

Re: The Final eFund Debate: Put it in Permanent Portfolio!

neb2020 wrote: Wed Jan 06, 2021 3:34 am
aarondearu wrote: Wed Jan 06, 2021 3:13 am Ibonds meet your criteria if you are okay with their limitations.
i-Bonds do not satisfy #3 well. Maybe if fixed rates of 1-2% were the norm it would.
Ibonds are indexed to inflation. Hence the "i" in their name.
by aarondearu
Wed Jan 06, 2021 3:13 am
Forum: Investing - Theory, News & General
Topic: The Final eFund Debate: Put it in Permanent Portfolio!
Replies: 35
Views: 2218

Re: The Final eFund Debate: Put it in Permanent Portfolio!

Ibonds meet your criteria if you are okay with their limitations.
by aarondearu
Wed Jan 06, 2021 3:03 am
Forum: Personal Investments
Topic: Moving $ to Merrill Edge/BoA for Mortgage Rate Reduction
Replies: 7
Views: 822

Re: Moving $ to Merrill Edge/BoA for Mortgage Rate Reduction

Easy to transfer back to Vanguard.

Not up on CA munis. Maybe iShares CMF? I’m sure if you search there are threads about that.
by aarondearu
Wed Jan 06, 2021 2:41 am
Forum: Personal Investments
Topic: Moving $ to Merrill Edge/BoA for Mortgage Rate Reduction
Replies: 7
Views: 822

Re: Moving $ to Merrill Edge/BoA for Mortgage Rate Reduction

You can hold Vanguard mutual funds and ETFs at Merrill Edge. ETF’s will be free to buy/sell and mutual funds cost $19.95. Automatic reinvestments in mutual funds are free. If you are going to convert to ETF that needs to be done by Vanguard. There is no way to convert an ETF back to a mutual fund. I...
by aarondearu
Wed Jan 06, 2021 1:42 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2807
Views: 445934

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Why? Brokerages have additional insurance on top of SIPC. Fidelity -- "Total aggregate excess of SIPC coverage available through Fidelity's excess of SIPC policy is $1 billion." https://www.fidelity.com/why-fidelity/safeguarding-your-accounts Fidelity has 3T under management. If the 1b co...
by aarondearu
Wed Jan 06, 2021 12:55 am
Forum: Personal Investments
Topic: Should I sell my RSUs?
Replies: 13
Views: 1075

Re: Should I sell my RSUs?

I work for a travel booking company (Think Booking, Kayak, Expedia, Priceline, etc). I’m getting 36 shares of the stock and I can choose whether to keep it or sell it immediately. Is it better to wait until travel gets back to normal (I’m guessing the stock will go back up once travel gets back to ...
by aarondearu
Wed Jan 06, 2021 12:40 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2807
Views: 445934

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

With the concern over transfer of basis to E*Trade, I finally had an issue that was easily resolved. My securities were received on 12/09 but the basis did not get updated to actual. I called the E*Trade basis team at 877-921-2434, they saw the basis in another of their systems and updated the upda...
by aarondearu
Wed Jan 06, 2021 12:31 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2807
Views: 445934

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Having more than the SIPC protected $500,000 at M1 would worry me. To be fair, I once felt that way about some other brokerages that are household words today. Why? Brokerages have additional insurance on top of SIPC. M1 -- "Our clearing firm has also purchased supplemental insurance in the ev...
by aarondearu
Tue Jan 05, 2021 10:45 pm
Forum: Personal Investments
Topic: Negative real return for BND?
Replies: 157
Views: 11702

Re: Negative real return for BND?

Another bonus to I Bonds: you can hold them anywhere from 1 to 30 years - so if they remain a good deal relative to TIPS, you can just hang onto them until you need them. If TIPS go positive again, you can sell them and move over. In short: higher rates *and* more flexibility! Right. But once you h...
by aarondearu
Thu Dec 31, 2020 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: International Wire transfer
Replies: 10
Views: 541

Re: International Wire transfer

Yes it's normal for banks to add on hidden fees.

Try Transferwise next time.

It's about 75€ to transfer 18.000€ to a US bank account.
by aarondearu
Thu Dec 24, 2020 3:50 pm
Forum: Personal Consumer Issues
Topic: Password storage apps, recommendations?
Replies: 119
Views: 5075

Re: Password storage apps, recommendations?

For a specific example, how is 1Password more secure than Firefox? By default, 1Password requires a master password to access your saved passwords, Firefox does not 1Password will ensure all your passwords are unique, Firefox just stores them 1Password can generate passwords as well as store them 1...
by aarondearu
Wed Dec 23, 2020 5:41 pm
Forum: Investing - Theory, News & General
Topic: For those concerned about International Stocks...
Replies: 236
Views: 25593

Re: For those concerned about International Stocks...

I am exchanging out of VXUS (Total Intl. Stock Market Index ETF) into VEA (Vanguard FTSE Developed Markets ETF). I kind of did the same. Wanted to get my money out of China and other countries I have no clue about. So now I only hold the S&P 500 and STOXX 600 for europe. Would hold Australia an...
by aarondearu
Wed Dec 23, 2020 1:47 am
Forum: Personal Consumer Issues
Topic: Any pilots here? [advice for prospective pilot]
Replies: 92
Views: 12514

Re: Any pilots here? [advice for prospective pilot]

Nice work! Owning a plane is full of challenges but you will have told of great experiences and memories. Like any old engine, planes do not like to sit around for too long. Try to fly it as much as possible to keep that oil flowing lol. Yeah, I would really like to fly it BUT need a CFI with me fo...
by aarondearu
Wed Dec 23, 2020 1:08 am
Forum: Personal Finance (Not Investing)
Topic: How to make ensure worker starts and finishes home project
Replies: 34
Views: 2569

Re: How to make ensure worker starts and finishes home project

Here is the other side of the fence. :beer

"Home Contractors: What to Do About Non-Paying Homeowners"
https://www.nolo.com/legal-encyclopedia ... wners.html
by aarondearu
Tue Dec 22, 2020 5:34 pm
Forum: Investing - Theory, News & General
Topic: Back testing software for Coast Fire
Replies: 4
Views: 336

Re: Back testing software for Coast Fire

FIRECalc. Look at the 'Portfolio Changes' tab.

https://www.firecalc.com/
by aarondearu
Tue Dec 22, 2020 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Purchased 2nd home but could not rent due to Covid19
Replies: 6
Views: 1308

Re: Purchased 2nd home but could not rent due to Covid19

It’s a second home until you make it available as a rental. IRS Pub 527 - Residential Rental Property https://www.irs.gov/forms-pubs/about-publication-527 “Pre-rental expenses. You can deduct your ordinary and necessary expenses for managing, conserving, or maintaining rental property from the time ...
by aarondearu
Mon Dec 21, 2020 11:51 pm
Forum: Personal Consumer Issues
Topic: Any pilots here? [advice for prospective pilot]
Replies: 92
Views: 12514

Re: Any pilots here? [advice for prospective pilot]

So not a pilot so take my opinion as such, but ive always wanted to. The problem has always been justifying it as a long term hobby. That is to say once I've looked at the pros and cons--The cons are outnumbering the pros. So there are some serious downsides to consider. First GA overall has some s...
by aarondearu
Sun Dec 06, 2020 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Domicile and income
Replies: 39
Views: 3162

Re: Domicile and income

Consider this scenario. I live in TX but I drive my vehicle to CA and stay in various AirBnBs for the next year in CA. What happens then? I lose my TX residency and automatically become a CA resident? What if I am retired and just stay in the AirBnB and just roam around and do no work? I still beco...
by aarondearu
Thu Dec 03, 2020 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Claiming stepchild in future years for tax credit
Replies: 11
Views: 769

Re: Claiming stepchild in future years for tax credit

File an amended 2020 return when you have the SSN and the IRS will send you a check for any refund or file for an extension.
by aarondearu
Wed Dec 02, 2020 4:23 pm
Forum: Personal Consumer Issues
Topic: Recommendation for a beginner chess book for teens
Replies: 8
Views: 499

Re: Recommendation for a beginner chess book for teens

No need to memorize any theory or openings as a beginner.
Focus on getting the pieces out and not making blunders.

Chess Fundamentals videos on YouTube
https://www.youtube.com/watch?v=Ao9iOeK_jvU

Lichess lessons (chess.com also has good lessons)
https://lichess.org/learn#/
by aarondearu
Sun Nov 29, 2020 2:12 am
Forum: Personal Consumer Issues
Topic: Mesh WiFi - Eero 6 vs Eero Pro 6
Replies: 7
Views: 667

Re: Mesh WiFi - Eero 6 vs Eero Pro 6

If you are going to use more than one Eero as a mesh network the Pro 6 will transfer data faster between routers because it has a dedicated 5GHz band for the backhaul.
by aarondearu
Mon Nov 23, 2020 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Loss Carry Forward with non-Resident gap
Replies: 3
Views: 222

Re: Capital Loss Carry Forward with non-Resident gap

IRS Pub 550 page 23 "You must file Schedule D...capital loss carryover"
https://www.irs.gov/pub/irs-pdf/p550.pdf

1099-NR returns are mentioned in the Schedule D instructions.
https://www.irs.gov/pub/irs-pdf/i1040sd.pdf
by aarondearu
Mon Nov 23, 2020 2:25 am
Forum: Personal Finance (Not Investing)
Topic: Capital Loss Carry Forward with non-Resident gap
Replies: 3
Views: 222

Re: Capital Loss Carry Forward with non-Resident gap

The capital loss carryover isn’t lost but I assume you’d need to file a tax return showing it on Schedule D each year just like a US citizen or resident. With no income the capital loss would continue to carryover year to year. If you’re not sure you will come back I guess you could wait and fill ou...
by aarondearu
Thu Nov 19, 2020 1:23 am
Forum: Personal Finance (Not Investing)
Topic: Help with NQDC pay out estimates
Replies: 8
Views: 442

Re: Help with NQDC pay out estimates

FICA is payed at the time income is deferred and federal/state income taxes are paid on distribution.

How much income tax you will pay depends on your other income and tax rates that year.
by aarondearu
Thu Nov 12, 2020 7:16 pm
Forum: Personal Consumer Issues
Topic: New MacBook Pro with M1 processor
Replies: 129
Views: 10144

Re: New MacBook Pro with M1 processor

... Apple did announce all of their first party apps have already been optimized for ARM so I expect those apps to perform better. Likewise, Microsoft announced Office had been optimized for ARM. If you are a photoshop user, I suspect it will take some time before Adobe upgrades it. Regarding Micro...
by aarondearu
Thu Nov 12, 2020 7:00 pm
Forum: Personal Consumer Issues
Topic: New MacBook Pro with M1 processor
Replies: 129
Views: 10144

Re: New MacBook Pro with M1 processor

telemark wrote: Thu Nov 12, 2020 6:10 pm Might be time for a new mini, but they only have two USB ports and I currently have four in use.
The new Mac minis have 4 USB ports -- 2x Thunderbolt/USB-C ports and 2x USB-A.
by aarondearu
Thu Nov 12, 2020 6:52 pm
Forum: Personal Consumer Issues
Topic: New MacBook Pro with M1 processor
Replies: 129
Views: 10144

Re: New MacBook Pro with M1 processor

The M1 can't address more than 16GB of RAM. Not a problem for me, but might be for some. Also, the memory isn't upgradable. https://www.theverge.com/2020/11/10/21559200/apple-m1-macbook-pro-mac-mini-16gb-ram-memory-limit I have a mid-2010 mini that's still fine for what I use it for, but it can't r...
by aarondearu
Sun Nov 01, 2020 5:54 pm
Forum: Personal Consumer Issues
Topic: Can I afford luxury watch?
Replies: 87
Views: 3653

Re: Can I afford luxury watch?

I think you will enjoy this other thread.
viewtopic.php?f=11&t=27707

Celebrate with a used one after paying off the debt. :beer
by aarondearu
Sat Oct 31, 2020 3:03 pm
Forum: Personal Consumer Issues
Topic: Economically viable to buy an airplane?
Replies: 39
Views: 4884

Re: Economically viable to buy an airplane?

Look for flight schools who rent aircraft for “time building”.
by aarondearu
Fri Oct 30, 2020 8:51 pm
Forum: Personal Consumer Issues
Topic: Checking out of HOTEL APPLE
Replies: 88
Views: 8430

Re: Checking out of HOTEL APPLE

I would say trying to offload photos, music, etc. is quite a pain. Can't you just blow it all over to a USB stick or drive? Well, no, unfortunately it's not all that simple. Apparently if it's formatted under FAT32, which is basically universal, the transfer speeds are effectively throttled. It too...
by aarondearu
Tue Oct 27, 2020 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Last person standing. Estate plan dilema.
Replies: 46
Views: 4579

Re: Last person standing. Estate plan dilema.

The attorney or law firm who prepares the will might be able to serve as executor or a bank. Might give Vanguard a call to discuss estate planning. https://www.bogleheads.org/forum/viewtopic.php?t=196982 https://www.bogleheads.org/forum/viewtopic.php?t=42697 I'm no expert on this and this may be yo...
by aarondearu
Tue Oct 27, 2020 10:21 am
Forum: Investing - Theory, News & General
Topic: Taxable Municipal Bonds
Replies: 4
Views: 364

Re: Taxable Municipal Bonds

Fidelity -- Overview of the Taxable Municipal Market https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fixed-income/retail-taxable-muni-white-paper-2018.pdf "The taxable municipal bond market began to develop after passage of the Tax Reform Act of 1986, which eliminated the abi...
by aarondearu
Mon Oct 26, 2020 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Last person standing. Estate plan dilema.
Replies: 46
Views: 4579

Re: Last person standing. Estate plan dilema.

The attorney or law firm who prepares the will might be able to serve as executor or a bank.
Might give Vanguard a call to discuss estate planning.

viewtopic.php?t=196982
viewtopic.php?t=42697
by aarondearu
Mon Oct 26, 2020 8:59 pm
Forum: Investing - Theory, News & General
Topic: Rollover IRA is protected like a 401K
Replies: 9
Views: 1104

Re: Rollover IRA is protected like a 401K

Does a Rollover Roth IRA with assets rolled over from a Roth 401(k) / 403(b) have the same protection? Yes it does. "For the purposes of BAPCPA, a rollover IRA is a traditional or Roth IRA account that was originally funded through a transfer from a qualified retirement plan. Qualified retirem...
by aarondearu
Mon Oct 26, 2020 6:46 pm
Forum: Investing - Theory, News & General
Topic: Rollover IRA is protected like a 401K
Replies: 9
Views: 1104

Re: Rollover IRA is protected like a 401K

My understanding is this is true for bankruptcy but otherwise depends on the laws of your state.

There is a better explanation at this link.
https://www.irahelp.com/slottreport/how ... oll-it-ira
by aarondearu
Sun Oct 18, 2020 5:17 pm
Forum: Personal Consumer Issues
Topic: What's the best 5G plan?
Replies: 15
Views: 1205

Re: What's the best 5G plan?

manatee2005 wrote: Sat Oct 17, 2020 8:46 pm I saw that Verizon will not throttle for 50GB. But ATT will let you go 100 GB without throttling. I couldn't find the number for Tmobile.
Tmobile is 50GB
https://www.t-mobile.com/offers/mydatausage