Search found 681 matches

by EHEngineer
Mon May 07, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: Which brokerage has the lowest ER on SP500 index fund?
Replies: 29
Views: 1415

Re: Which brokerage has the lowest ER on SP500 index fund?

I opened all my IRA funds in Vanguard and I am very happy about it The other day I was looking for a brokerage to open solo401k and I realized Schwab has SP 500 index fund with 0.03% ER. Vanguard's SP500 index fund is 0.04% Don't get me wrong, I am very happy with Vanguard overall, but if there is ...
by EHEngineer
Thu May 03, 2018 12:02 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84235

Re: To take or not to take delivery of Tesla 3

Tesla didn't note that. They didn't put a link to the manual. Didn't even bother to put an asterisk. That's misleading at best. Agree. And even if they did, I don't think it would be reasonable to expect drivers to know every detail of the Autopilot implementation and recall them at every instant w...
by EHEngineer
Wed May 02, 2018 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: How to treat a mortgage in context of long term investment
Replies: 12
Views: 1231

Re: How to treat a mortgage in context of long term investment

Does this mean that any new investment into an asset class with an expected 15 year return less than 3.875% should go to paying off the mortgage instead? Since money is fungible, it almost feels like when I am investing in bonds, I am borrowing money at 3.875% to invest at 2.5-3.5%. On the other ha...
by EHEngineer
Tue May 01, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 78
Views: 10550

Re: Replacement for Google Finance price quote function

Lately, I've become increasingly disappointed with Google Finance's slow updates for daily mutual fund NAV quotes in my Google Docs portfolio tracker. <snip> FYI - Google is updating mutual fund prices between 12:30-12:40 AM EST . I used a google apps script to check google finance mutual fund quot...
by EHEngineer
Wed Apr 25, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: New 34, Bogle convert wanting to make sure I don’t screw up 401k
Replies: 13
Views: 1147

Re: New 34, Bogle convert wanting to make sure I don’t screw up 401k

Hi Kduqchick, It seems like you're just beginning the process of understanding your investments and managing your money. Don't stress out. It's a process, and you can take your time. Your questions are all reasonable, but you need to provide more detail so the folks here can advise. There is a stand...
by EHEngineer
Tue Apr 24, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84235

Re: To take or not to take delivery of Tesla 3

emphasis added that's pretty clear and unambiguous. No matter what the autosteer disclaimer says, that tesla MX didn't do what the website claims it would do. And that guy died. I haven't cancelled my reservation. For now I'm sitting on it. I will admit that I was really really looking forward to ow...
by EHEngineer
Tue Apr 24, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84235

Re: To take or not to take delivery of Tesla 3

10 days ago I got my M3 configuration invitation. However, tesla's reaction to the deadly March autopilot MX crash has dampened my enthusiasm and I'm wondering what yall think about this. I was very dissapointed in their response. I wanted a response similar to the deadly autopilot MS crash in FL i...
by EHEngineer
Tue Apr 24, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: How to be a good executor to family
Replies: 44
Views: 3492

Re: How to be a good executor to family

First, I'm sorry for your loss. And I wish you luck being an executor. Its a thankless job. I hope it isn't contentious. This book is a great guide. It's full of useful tips. https://www.amazon.com/nolo-executors-guide-Books/s?ie=UTF8&page=1&rh=n%3A283155%2Ck%3Anolo%20executors%20guide One thing tha...
by EHEngineer
Mon Apr 16, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84235

Re: To take or not to take delivery of Tesla 3

10 days ago I got my M3 configuration invitation. However, tesla's reaction to the deadly March autopilot MX crash has dampened my enthusiasm and I'm wondering what yall think about this. I was very dissapointed in their response. I wanted a response similar to the deadly autopilot MS crash in FL in...
by EHEngineer
Fri Apr 13, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: 1040 goes into the ether. what now?
Replies: 21
Views: 1802

Re: 1040 goes into the ether. what now?

I'd file Form 4868 (extension to file) if I was worried that the 1040 would not get there in time and then not worry about it until October. My vote is for livesoft's idea. Buy yourself some peace of mind. Anecdotally... I recently certified mailed a life insurance annual premium check. The insuran...
by EHEngineer
Fri Apr 13, 2018 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: sprawling portfolio need sanity check
Replies: 5
Views: 583

Re: sprawling portfolio need sanity check

-Rebalance His Vanguard 401k to: -60% Vanguard Instl 500 Index Trust (—/5796) 0.013% -40% Vanguard Instl Ext Market Idx Tr (—/5798) 0.04% why are you overweighting this? See next comment. -Roll Her Principal 403b money into Her Valic 403b and rebalance entirety to: I personally dont like mimicking ...
by EHEngineer
Fri Apr 13, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Home remodel questions
Replies: 10
Views: 1494

Re: Home remodel questions

Thank you all. I spoke with the chief architect and they changed #2 to say that all design rights transfer to me when I pay the design fees. He said this provision was left over from when he did designs that could be replicated, like condos or apartments. In my case it is a remodel, so the design pr...
by EHEngineer
Fri Apr 13, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: sprawling portfolio need sanity check
Replies: 5
Views: 583

Re: sprawling portfolio need sanity check

Welcome to bogleheads. Questions: 1. Quite frankly I’m a bit overwhelmed with the options available and how best (optimally) to rebalance between all accounts. So any recommendations here would be GREATLY appreciated. My stab to get us back on track is below. There are other options available in the...
by EHEngineer
Fri Apr 06, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Home remodel questions
Replies: 10
Views: 1494

Home remodel questions

I'm reviewing a contract for a home remodel. Having never done this I wanted to know what yall think about a couple things that I don't understand / seem less than assuring. 1)Termination: "Either party may terminate the project at any time without penalty, with fees due on services rendered only." ...
by EHEngineer
Wed Feb 07, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: 1099-MISC and Where to Report Income
Replies: 6
Views: 585

Re: 1099-MISC and Where to Report Income

Not an accountant or an attorney. But that's what I do with my 1099-misc box 7 income. Schedule C and Schedule SE. Actually, HR Block tax software populates those for me.

By the way, you now have more opportunities to open tax advantaged accounts. Congrats on making partner.
by EHEngineer
Wed Feb 07, 2018 10:08 am
Forum: Investing - Theory, News & General
Topic: Anyone else cashing out on *some* of the crazy earnings?
Replies: 74
Views: 8806

Re: Anyone else cashing out on *some* of the crazy earnings?

I have about 30% more in retirement funds than my Investment policy / my plan says I should hve . I have considered reducing risk. However, my plan says that if I reduce risk I will never increase it. It's a one way commitment. I suggest you make the same commitment in order to avoid emotional mist...
by EHEngineer
Wed Feb 07, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: CD Ladders or Tax-Exempt Bonds in Taxable
Replies: 5
Views: 1089

Re: CD Ladders or Tax-Exempt Bonds in Taxable

I sympathize with your decision. Just last night I was also considering, 'where should I invest taxable bond money?' As stan pointed out, this is not about finding the right answer, it is about choosing the risks you want. You are considering stock market performance, changes in your retirement date...
by EHEngineer
Thu Feb 01, 2018 11:07 am
Forum: Investing - Theory, News & General
Topic: Anyone else cashing out on *some* of the crazy earnings?
Replies: 74
Views: 8806

Re: Anyone else cashing out on *some* of the crazy earnings?

Just so you are not disappointed, my comment would be that timing the market is a losing proposition. Capture your gains by rebalancing and just stay the course. For me, in the saving phase, the rebalancing benefit has been hard to "see." Because I get paid every two weeks, and each paycheck has th...
by EHEngineer
Thu Feb 01, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: Anyone else cashing out on *some* of the crazy earnings?
Replies: 74
Views: 8806

Re: Anyone else cashing out on *some* of the crazy earnings?

Going to throw this out there, pretty much knowing what people are going to say. But how many others are out there, thinking the same way. Account is up a very healthy amount the last year, not to mention just the last 4 weeks (well into the 5 figures). I think the run up in the last year is 80% em...
by EHEngineer
Thu Feb 01, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Can anyone explain the reasoning behind [Vanguard Total Bond Index vs Vanguard Investment Grade Bond]
Replies: 8
Views: 1060

Re: Can anyone explain the reasoning behind

Hi Lyra - Sometimes the bond fund name is not sufficient to understand what it contains. look at the vanguard page for each fund, click on the "portfolio & management" tab. Then compare the duration of the two funds. Also on that page, look at the table of "distribution by credit quality." You will ...
by EHEngineer
Wed Jan 31, 2018 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Rebalancing our portfolio
Replies: 2
Views: 282

Re: Help with Rebalancing our portfolio

Few things:
ticker symbols need names and current allocation percentages.
you need a desired asset allocation
have you considered tax adjusted asset allocation (wiki article)?
by EHEngineer
Wed Jan 31, 2018 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Indexed Universal Life Question
Replies: 15
Views: 1270

Re: Indexed Universal Life Question

So my question to the insurance experts, is what to do now? Or at least what variables should I be looking at to make that decision. I understand a cheap term policy is typically the right answer. Appreciate your advice and time. CAGR Make sure you have a term policy(s) in place before you cancel t...
by EHEngineer
Wed Jan 31, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with Ameriprise annuities
Replies: 37
Views: 2327

Re: What to do with Ameriprise annuities

I will pay off ARM which comes due May 2018 from ROTH? Thanks. Annieacres - This question is best answered after considering your current and future tax rates. It would be a shame to use your roth to avoid 18% tax, only to pay 31.3% later. What month will you recieve your first annuity payment from...
by EHEngineer
Wed Jan 31, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with Ameriprise annuities
Replies: 37
Views: 2327

Re: What to do with Ameriprise annuities

I'm single retired 65 lady, Annual income $32,000 includes pension and SS. live in CA with high cost of living. $80,000 ARM on my home. In 2006 was I sold 2 variable annuities from Ameriprise. Unfortunatley I believe both are have investments in proprietary. No serender charges apply. *FIRST ANUITY...
by EHEngineer
Fri Jan 26, 2018 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Help with parent’s portfolio
Replies: 26
Views: 1823

Re: Help with parent’s portfolio

Sounds like you are making some progress. <snip> I'm also struggling to put together an asset allocation for her. I'm not sure how to view the annuities + social security vs her investable assets. I haven't reviewed the details since before, but this question is an easy one. If she is spending $100k...
by EHEngineer
Fri Jan 26, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: 2017 HR Block tax federal tax update won't install
Replies: 11
Views: 1373

Re: 2017 HR Block tax federal tax update won't install

I have had this problem in the past with the Mac version. If you have any external drives connected to your computer, disconnect them and the update should proceed correctly. Create a new user (zero files to be searched). Disconnect everything, including network attached storage. I just updated. It...
by EHEngineer
Fri Jan 26, 2018 12:01 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin bubble ending with a flat top rather than a sharp drop?
Replies: 33
Views: 2658

Re: Bitcoin bubble ending with a flat top rather than a sharp drop?

This is just a random thought of mine and probably has been considered and rejected, but it seems to me that a responsible cryptocurrency would be designed so that the quantity in circulation would be tied to world GDP. You think like an economic genius. Milton Friedman suggested that a better way ...
by EHEngineer
Sun Jan 21, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Etiquette of converting to exempt status
Replies: 32
Views: 4049

Re: Etiquette of converting to exempt status

Sorry been busy with the holidays lately. Since you are curious: I spoke to a lawyer. Labor law is on the employer's side with this. Because I have a hand in employee recruitment for my department and I am involved in decision making my job description meets all the checkboxes for exempt status. I ...
by EHEngineer
Sun Jan 21, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: 5GB iCloud storage vs 128GB iPhone
Replies: 16
Views: 1307

Re: 5GB iCloud storage vs 128GB iPhone

I am getting fed up with the constant messages on my phone about running of iCloud storage. I do not care. I want to disable the messages but there seems to be no way. To make matters worse, any time a photo is opened, it complains about the iCloud storage. I want to be able to remove any connectio...
by EHEngineer
Wed Jan 03, 2018 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: 529 plan in tax free state, dont do it?
Replies: 5
Views: 657

Re: 529 plan in tax free state, dont do it?

I think you're not comparing apples to apples. First, You're compaing different asset allocations for the same 10 yr horizon. Whether you spend money from an IRA or from a 529, your allocation should be the same for a 10 year horizon. Second, you should not be paying 0.9% for a 529. I am paying 0.16...
by EHEngineer
Wed Jan 03, 2018 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: 529 plan and assett allocation
Replies: 2
Views: 405

Re: 529 plan and assett allocation

most, maybe all, of the plans have an age based portfolio. Some even have agressive, moderate, or conservative choices for each age. Just pick one of the many good 529 plans, then set it and forget it.
by EHEngineer
Wed Jan 03, 2018 12:43 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard completely messed up my cost basis..big problem
Replies: 25
Views: 1829

Re: Vanguard completely messed up my cost basis..big problem

What would you guys recommend that I do?? I'm worried Vanguard won't help me and Merrill is saying it's Vanguard's fault. I don't want to be stuck holding the bag at the end of the day... At this point just work with Merrill Edge. I don't see why you need to contact Vanguard any further for these s...
by EHEngineer
Sun Dec 24, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Etiquette of converting to exempt status
Replies: 32
Views: 4049

Re: Etiquette of converting to exempt status

sabtastic wrote:
Tue Nov 28, 2017 12:22 am
<snip>
I'm going to read up on exempt labor laws and see if I can negotiate some way out of this where I won't be "allowed" overtime any more.
Sabtastic, Can you give us with an update? Have you attempted to negotiate?

Happy holidays,
Ehen
by EHEngineer
Fri Dec 22, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Apple 2FA is saving DEVICE passwords in the cloud
Replies: 21
Views: 2857

Re: Apple 2FA is saving DEVICE passwords in the cloud

Thank you for the additional detail. The jargon is a bit overwhelming. I'll be doing some white boarding to see if I can diagram it.
SpaethCo wrote:
Thu Dec 21, 2017 12:23 pm
All that being said, the weakest link in all of this is still the humans that use this technology.
Image
Very true.
by EHEngineer
Fri Dec 22, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Apple 2FA is saving DEVICE passwords in the cloud
Replies: 21
Views: 2857

Re: Apple 2FA is saving DEVICE passwords in the cloud

BrandonBogle wrote:
Thu Dec 21, 2017 1:07 pm
You aren't. Simply because you typed in your password on your device for a verification request, it doesn't mean you ever put your password (in any form) anywhere other than on your device.
I hear you. there is something I don't get. I will attempt to reconsider.
by EHEngineer
Fri Dec 22, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Apple 2FA is saving DEVICE passwords in the cloud
Replies: 21
Views: 2857

Re: Apple 2FA is saving DEVICE passwords in the cloud

I get it. The device password (aka "encrypted, hashed, salted, stretched blob") resides on an apple server somewhere to be sent to devices for authentication purposes when requested. That's the cloud. That's what I don't want. No, you very obviously don't get it, and it is useless to continue. I wi...
by EHEngineer
Thu Dec 21, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Quick question on distribution dates
Replies: 2
Views: 223

Re: Quick question on distribution dates

livesoft wrote:
Thu Dec 21, 2017 12:17 pm
You will not be paid the distribution for shares bought today. I can't say anything about the shares you gave away.
:sharebeer

I had converted those to ETF, and fortunatly they went through one day before being paid dividends. Lucky!
by EHEngineer
Thu Dec 21, 2017 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Quick question on distribution dates
Replies: 2
Views: 223

Quick question on distribution dates

My charitable donation of appreciated shares went through yesterday. Now I need to repurchase those shares. Many of the "Vanguard Total" funds list today, 12/21, as the "payable date". If I put in a mutual fund order during trading hours today (ie right now), will I be paid the distribution or not? ...
by EHEngineer
Thu Dec 21, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Apple 2FA is saving DEVICE passwords in the cloud
Replies: 21
Views: 2857

Re: Apple 2FA is saving DEVICE passwords in the cloud

To gain access to the iCloud Keychain, an attacker needs to gain access to both your iCloud account (more difficult with 2FA), and also be able to guess one of your device passcodes within 10 tries. Or find a fault in the system. Or get a subpoena. I'm sure the FMEA for this system is huge and has ...
by EHEngineer
Thu Dec 21, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Apple 2FA is saving DEVICE passwords in the cloud
Replies: 21
Views: 2857

Re: Apple 2FA is saving DEVICE passwords in the cloud

I really appreciate the time you took to spell that out. I had heard all those terms before, but I couldn't have explained them. It's interesting and impressive, but my preferred strategy remains: avoid putting my passwords in the cloud. As called out in later posts, you are not sending your device...
by EHEngineer
Thu Dec 21, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Late in the game advice please
Replies: 11
Views: 1456

Re: Late in the game advice please

Hi Blackrock, Welcome to bogleheads. However, more details would help. For the future, your saving rate is far more important than this $3000. And, to save requires income. Why is your job / income unknown after June? Why don't you know where you'll be living? Why can't you plan for that? This is m...
by EHEngineer
Tue Dec 19, 2017 10:51 pm
Forum: Personal Consumer Issues
Topic: Apple 2FA is saving DEVICE passwords in the cloud
Replies: 21
Views: 2857

Re: Apple 2FA is saving DEVICE passwords in the cloud

<snip> I completely agree with MP123. I have seen no reason to believe (either in your OP or anyplace on the net) that they are actually storing your password in the cloud. Apple can verify if you know your mac password without actually knowing what the mac password it, and thus have no need to sto...
by EHEngineer
Tue Dec 19, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Apple 2FA is saving DEVICE passwords in the cloud
Replies: 21
Views: 2857

Re: Apple 2FA is saving DEVICE passwords in the cloud

It's probably storing a hash of your password and then running your submitted password through the same hash and comparing. In theory no way for them to figure out what your password actually is, just that you know what it is. If someone stole the hash it still wouldn't tell them the password. yeah...
by EHEngineer
Tue Dec 19, 2017 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Late in the game advice please
Replies: 11
Views: 1456

Re: Late in the game advice please

Hi Blackrock, Welcome to bogleheads. Everything you wrote seems reasonable. I don't think you can go wrong with the roth and VTIVX or paying down a 6.8% loan. However, more details would help. For the future, your saving rate is far more important than this $3000. And, to save requires income. Why i...
by EHEngineer
Tue Dec 19, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Apple 2FA is saving DEVICE passwords in the cloud
Replies: 21
Views: 2857

Re: Apple 2FA is saving DEVICE passwords in the cloud

I have been using apple's 2 factor for a long time. I got a new iphone recently, while setting it up, the iPhone asked for my iMAC password. That's weird right? Why does my phone want the password for another device? I'm not talking about iCloud password, I'm talking about the login password for my...
by EHEngineer
Fri Dec 15, 2017 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Active vs. index funds in a recession:
Replies: 11
Views: 1222

Re: Active vs. index funds in a recession:

Index funds (net of expenses) perform exactly the same as the index. Always. No exception. This is an overstatement. Actually it's just wrong. Even a low expense fund can underperform its index. Vanguard total bond market did it by about 2% in 2002. Not because of high ER, but because they messed up.
by EHEngineer
Fri Dec 15, 2017 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Please review my personal portfolio and questions
Replies: 6
Views: 818

Re: Please review my personal portfolio and questions

Hi ebp12100, Welcome to bogleheads. You have a very nice 403b and your portfolio is almost 100% boglehead already, so nice work. I hope you can learn some new things here. 1) You can withdrawl Roth IRA contributions at any time (eg in an emergency). so there is no need to forgo Roth contributions to...
by EHEngineer
Fri Dec 15, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: New Car - Always use parking brake ?
Replies: 72
Views: 7549

Re: New Car - Always use parking brake ?

First car and you are already a gear head! I dont have any actual evidence that using the parking brake helps durability. But here's couple things I always do. 1) When you use the park brake, set it firmly. If you set it softly you may accidentally drive through it and burn up the brake. 2) I use a ...
by EHEngineer
Fri Dec 15, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: Apple 2FA is saving DEVICE passwords in the cloud
Replies: 21
Views: 2857

Apple 2FA is saving DEVICE passwords in the cloud

I have been using apple's 2 factor for a long time. I got a new iphone recently, while setting it up, the iPhone asked for my iMAC password. That's weird right? Why does my phone want the password for another device? I'm not talking about iCloud password, I'm talking about the login password for my ...
by EHEngineer
Fri Dec 15, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 392
Views: 64458

Re: Retirement Account Stolen by Identity theft

So, all's well that ends well. The money is back in the account, there is no indication from Transamerica as to who the thief was, and after the New Year I will be transferring the account to Vanguard. Thanks again for all your help and support. That's great, I'm glad they delivered. Thanks for the...