Search found 281 matches

by catalina355
Sat Jun 15, 2019 9:47 am
Forum: Personal Investments
Topic: Vanguard Financial Plan requires Brokerage Account? Bait and switch?
Replies: 45
Views: 3941

Re: Vanguard Financial Plan requires Brokerage Account? Bait and switch?

Looks to me like you are making a mountain out of a mole hill. My local bank has changed account options, my cell provider has changed plan options, my credit cards have all made various changes. The financial industry was not cast in bronze the day you opened your Vanguard account. Change happened...
by catalina355
Sat Jun 15, 2019 9:41 am
Forum: Personal Investments
Topic: Vanguard Financial Plan requires Brokerage Account? Bait and switch?
Replies: 45
Views: 3941

Re: Vanguard Financial Plan requires Brokerage Account? Bait and switch?

Looks to me like you are making a mountain out of a mole hill. My local bank has changed account options, my cell provider has changed plan options, my credit cards have all made various changes. The financial industry was not cast in bronze the day you opened your Vanguard account. Change happened...
by catalina355
Sat Jun 15, 2019 8:37 am
Forum: Personal Investments
Topic: Vanguard Financial Plan requires Brokerage Account? Bait and switch?
Replies: 45
Views: 3941

Re: Vanguard Financial Plan requires Brokerage Account? Bait and switch?

The Vanguard brokerage accounts are fine, and everybody will have one sooner or later. I don’t understand why so many bogleheads cling so desparately to the dying mutual fund accounts. You can either rip the bandaid off quickly and get it over with, or you can pull it off slowly and enjoy the painf...
by catalina355
Sat Jun 15, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 100
Views: 11466

Re: IPhone 6 - showing some age

Dottie57 wrote: Sat Jun 15, 2019 8:27 am Send it to Apple. I think the battery replacement is $99. Ths is far cheaper than a new phone.

Also fo into Settings app, find Battery , and see which apps are using up cpu. See if there is something unusual going on.
Good advice. FB is a battery hog, for example.
by catalina355
Sat Jun 15, 2019 8:28 am
Forum: Personal Investments
Topic: Vanguard Financial Plan requires Brokerage Account? Bait and switch?
Replies: 45
Views: 3941

Re: Vanguard Financial Plan requires Brokerage Account? Bait and switch?

The Vanguard brokerage accounts are fine, and everybody will have one sooner or later. I don’t understand why so many bogleheads cling so desparately to the dying mutual fund accounts. You can either rip the bandaid off quickly and get it over with, or you can pull it off slowly and enjoy the painf...
by catalina355
Sat Jun 15, 2019 8:25 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 100
Views: 11466

Re: IPhone 6 - showing some age

I’m exactly the same mine is a 6 plus. I brought it to Apple store to check the battery and they said everything is fine there is a diagnostic on the phone says the battery is like 90% I thought about getting a new battery but the phone is only worth like $99 trade in also not as fast as it could b...
by catalina355
Sat Jun 15, 2019 8:20 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 100
Views: 11466

Re: IPhone 6 - showing some age

I have an iPhone 6 purchased in December 2015 that I have become very accustomed to and it has never given me any problems. It serves me well vs. the other way around. I recently noted the battery draining quite a bit faster than it used to, even with all the usual tips to keep it stronger. I took ...
by catalina355
Sat Jun 15, 2019 8:16 am
Forum: Personal Investments
Topic: Vanguard Financial Plan requires Brokerage Account? Bait and switch?
Replies: 45
Views: 3941

Re: Vanguard Financial Plan requires Brokerage Account? Bait and switch?

The Vanguard brokerage accounts are fine, and everybody will have one sooner or later. I don’t understand why so many bogleheads cling so desparately to the dying mutual fund accounts. You can either rip the bandaid off quickly and get it over with, or you can pull it off slowly and enjoy the painf...
by catalina355
Thu Jun 06, 2019 10:23 am
Forum: Personal Investments
Topic: How would you invest a lump sum of 3 million dollars in today's market?
Replies: 50
Views: 6479

Re: How would you invest a lump sum of 3 million dollars in today's market?

Financial independence is something the vast majority only dream of. It’s actually a big deal, don’t think (or invest like) it’s not. When FI is actually (and in your case suddenly) within grasp, a good idea is to prioritize protecting that independence and not letting it slip through your fingers....
by catalina355
Wed Jun 05, 2019 11:11 am
Forum: Investing - Theory, News & General
Topic: Swedroe is far from a passive investor and I am beginning to agree
Replies: 62
Views: 6410

Re: Swedroe is far from a passive investor and I am beginning to agree

As you look into this, please research the number of days in a year that make up much of the markets gain and the consequences of missing those days due to being on the sidelines. Market timing is like driving into a city and seeing nothing but red lights. The red lights are sharp and clear while t...
by catalina355
Wed Jun 05, 2019 9:18 am
Forum: Investing - Theory, News & General
Topic: Swedroe is far from a passive investor and I am beginning to agree
Replies: 62
Views: 6410

Re: Swedroe is far from a passive investor and I am beginning to agree

I think there is a big difference between folks at age 70 with only SS for income and folks at age 70 with a nice portfolio and SS for their needs. When I reach age 70, I am not going to be bothered by not following Boglehead tenets to a tee. How can I predict that? Well, I already am not bothered ...
by catalina355
Fri May 31, 2019 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Italian traffic fine with U.S. debt collector
Replies: 60
Views: 11092

Re: Italian traffic fine with U.S. debt collector

Agreed. This is Italy we're talking about. Do you also think that Italian drivers should do the same when they are in the United States? You don't get it. I would definitely advise Italian drivers to ignore dubious demands sent by Italian debt collectors when they are back in Italy. I do get it. I ...
by catalina355
Fri May 31, 2019 3:36 pm
Forum: Personal Investments
Topic: Is VMFXX better than VMMXX now?
Replies: 28
Views: 4569

Re: Is VMFXX better than VMMXX now?

Such a tiny difference in net yield, that makes no difference to me since we do not have a large cash allocation. I hadn't even bothered to do the calculation. Most people will probably be in the 12% tax bracket or lower, so for most people Vanguard Prime Money Market Fund (VMMXX) will continue to ...
by catalina355
Fri May 31, 2019 3:29 pm
Forum: Personal Investments
Topic: Is VMFXX better than VMMXX now?
Replies: 28
Views: 4569

Re: Is VMFXX better than VMMXX now?

I'll try to answer this, as I struggled with this recently The 1099 forms do not provide the required information. Take a look at California Form CA (540) which stands for California Adjustments. Each year Vanguard will provide the percentages similar to the document I referenced above. Make a calc...
by catalina355
Fri May 31, 2019 3:28 pm
Forum: Personal Investments
Topic: Is VMFXX better than VMMXX now?
Replies: 28
Views: 4569

Re: Is VMFXX better than VMMXX now?

Such a tiny difference in net yield, that makes no difference to me since we do not have a large cash allocation. I hadn't even bothered to do the calculation. Most people will be in the 12% tax bracket or lower, so for most people Vanguard Prime Money Market Fund (VMMXX) will continue to be the be...
by catalina355
Fri May 31, 2019 3:26 pm
Forum: Personal Investments
Topic: Is VMFXX better than VMMXX now?
Replies: 28
Views: 4569

Re: Is VMFXX better than VMMXX now?

A quick review of you numbers looks correct. I am in a slightly higher state and the 27.8% federal tax bracket and the line crossed for me last week. I have been using VUSXX for a while as well and it has been neck and neck with Prime for a long time but now is better without question since I have ...
by catalina355
Fri May 31, 2019 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Italian traffic fine with U.S. debt collector
Replies: 60
Views: 11092

Re: Italian traffic fine with U.S. debt collector

I would be highly inclined to ignore this. In fact, I'm sure I would. Agreed. This is Italy we're talking about. Do you also think that Italian drivers should do the same when they are in the United States? You don't get it. I would definitely advise Italian drivers to ignore dubious demands sent b...
by catalina355
Thu May 30, 2019 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Italian traffic fine with U.S. debt collector
Replies: 60
Views: 11092

Re: Italian traffic fine with U.S. debt collector

I would be highly inclined to ignore this. In fact, I'm sure I would. Agreed. This is Italy we're talking about. Do you also think that Italian drivers should do the same when they are in the United States? I would encourage Italian drivers to ignore speed camera tickets, red light photo tickets, a...
by catalina355
Thu May 30, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Italian traffic fine with U.S. debt collector
Replies: 60
Views: 11092

Re: Italian traffic fine with U.S. debt collector

SrGrumpy wrote: Tue May 28, 2019 3:27 pm
8foot7 wrote: Tue May 28, 2019 1:33 pm I would be highly inclined to ignore this. In fact, I'm sure I would.
Agreed. This is Italy we're talking about.
Do you also think that Italian drivers should do the same when they are in the United States?
by catalina355
Wed May 29, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Italian traffic fine with U.S. debt collector
Replies: 60
Views: 11092

Re: Italian traffic fine with U.S. debt collector

riverguy wrote: Wed May 29, 2019 6:19 pm Just one of many reasons not to drive in a foreign country.
What are the other reasons?
by catalina355
Wed May 15, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: Google Physical Authenticator (Titan) Recall
Replies: 4
Views: 618

Re: Google Physical Authenticator (Titan) Recall

HEDGEFUNDIE wrote: Wed May 15, 2019 5:36 pm Switched from Google to Authy years ago and haven’t had a problem.
Just because you have not had a "problem" does not mean there is not a security issue.
by catalina355
Mon May 06, 2019 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1000
Views: 317565

Re: Retiree Portfolio Model

rennale wrote: Mon May 06, 2019 6:26 am Buy a copy of Excel for Mac for $105.

https://www.amazon.com/dp/B07H4XBM1R

Anything else will cause more grief than it's worth.... (and Excel is a good product by any measure)
I really don’t want to buy MS products.

Is anyone using LibreCalc successfully on a Mac with RPM?
by catalina355
Sun May 05, 2019 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Will or Living Trust?
Replies: 5
Views: 508

Re: Will or Living Trust?

Revocable trusts make sense in some cases and in some states. But they're overhyped and oversold, and for most people in most states they're not necessary and they can be a distraction. That may be the case here if t's distracting you from more important issues in your estate planning. In most case...
by catalina355
Sun May 05, 2019 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 1000
Views: 317565

Re: Retiree Portfolio Model

Does the RPM v19.1 run correctly on macOS Numbers? Does it run correctly on macOS LibreCalc? If not what is the best approach for Macintosh users? Thank you.
by catalina355
Sun May 05, 2019 6:12 pm
Forum: Personal Investments
Topic: FIRE Plan Review - Are we ontrack or still ignorant?
Replies: 16
Views: 2549

Re: FIRE Plan Review - Are we ontrack or still ignorant?

...which will also let me do larger Roth conversions once I stop working. The capital gains on taxable bond funds would also tend to be minimal. Is that not the case? Can you explain how munis allow you to do larger Roth conversions? I would like to start doing Roth conversions this year and I am t...
by catalina355
Sun May 05, 2019 5:35 pm
Forum: Personal Consumer Issues
Topic: Saving passwords on iCloud
Replies: 21
Views: 2501

Re: Saving passwords on iCloud

Any recommendations which password manager is the best to use? Search this forum for "password manager" and you'll find a lot of info. (I use KeePass.) This thread is focused on helping the OP understand a secure way to save passwords on an iPhone. On an iPhone (and also on other Apple devices) I w...
by catalina355
Sun May 05, 2019 5:25 pm
Forum: Personal Investments
Topic: FIRE Plan Review - Are we ontrack or still ignorant?
Replies: 16
Views: 2549

Re: FIRE Plan Review - Are we ontrack or still ignorant?

2) Municipal bonds Munis are especially beneficial in your tax bracket. I would move your emergency fund into Vanguard Limited Term tax exempt since the share price stays pretty steady and it pays about 2% fed tax free. If you have a state muni fund (and don't live in a state with poor finances), I...
by catalina355
Tue Apr 30, 2019 9:33 am
Forum: Personal Consumer Issues
Topic: [Cellphone SIM card hijacking - Security concerns and mitigation techniques]
Replies: 254
Views: 34880

Re: Man’s life savings stolen from hijacked cellphone number

Simple. Use a SIM password (aka PIN). Which can be unlocked using a PUK from the carrier, bypassing your PIN. Again, that's beside the point, because physical access to the phone is not required for these attacks. It can be done from the other side of the world while your phone is powered off and s...
by catalina355
Tue Apr 30, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: [Cellphone SIM card hijacking - Security concerns and mitigation techniques]
Replies: 254
Views: 34880

Re: Man’s life savings stolen from hijacked cellphone number

If someone does a sim swap, they don’t have access to your email. In fact the only way they would is with access to your physical device. However, smartphones are encrypted so the only way for them to even get in is to bypass your password/pin and they only get 10 tries. See things like the San Ber...
by catalina355
Tue Apr 30, 2019 7:36 am
Forum: Personal Consumer Issues
Topic: [Cellphone SIM card hijacking - Security concerns and mitigation techniques]
Replies: 254
Views: 34880

Re: Man’s life savings stolen from hijacked cellphone number

But there is no financial information stored on a landline phone. So if could only be used for 2FA. It would provide no other information. And that's all that it is in this attack. To be clear--the bad guys in this incident did NOT get control of any data on the phone. They just took over the phone...
by catalina355
Tue Apr 30, 2019 6:43 am
Forum: Personal Consumer Issues
Topic: [Cellphone SIM card hijacking - Security concerns and mitigation techniques]
Replies: 254
Views: 34880

Re: Man’s life savings stolen from hijacked cellphone number

Maybe I'm too old fashioned. Home computers are for financial transactions. Cell phones are for calls and email and contain no financial information. I never use my phone for financial transactions. Never. I have two home iPads which I use for financial transactions via web page. No passwords store...
by catalina355
Mon Apr 29, 2019 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Please check my numbers for Roth conversion
Replies: 15
Views: 1406

Re: Please check my numbers for Roth conversion

After a very frustrating season with the accountant and a large bill, I've lost faith in them and decided to make a Roth conversion without their input. Don't think it's too complicated but would appreciate feedback that I understand the tax brackets. We're over 65, MFJ with approx $76,000 income, ...
by catalina355
Mon Apr 29, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: [Cellphone SIM card hijacking - Security concerns and mitigation techniques]
Replies: 254
Views: 34880

Re: Man’s life savings stolen from hijacked cellphone number

Maybe I'm too old fashioned. Home computers are for financial transactions. Cell phones are for calls and email and contain no financial information. I never use my phone for financial transactions. Never. I have two home iPads which I use for financial transactions via web page. No passwords store...
by catalina355
Sat Apr 27, 2019 6:54 pm
Forum: Personal Investments
Topic: Municipal Bonds in Retirement?
Replies: 8
Views: 1225

Re: Municipal Bonds in Retirement?

Munis are not good in low tax brackets, even in retirement. While muni income is not taxed, it is counted as income for purposes of making Social Security taxable. Thus, if you are in the 12% tax bracket and in the phase-in for SS taxation, your tax rate is 22.2% on ordinary bonds, but 10.2% on mun...
by catalina355
Mon Apr 22, 2019 8:43 am
Forum: Personal Consumer Issues
Topic: Yubikey
Replies: 12
Views: 1811

Re: Yubikey

southerndoc wrote: Sun Apr 21, 2019 9:06 pm Are any of the password apps (Lastpass, 1Password, etc.) compatible with both macOS and Windows? I have mainly macOS computers, but my work computer (which I sometimes use to access personal sites) is Windows 10.
You'll find the information you asked for here:

https://1password.com
by catalina355
Sun Apr 21, 2019 8:50 pm
Forum: Personal Consumer Issues
Topic: Yubikey
Replies: 12
Views: 1811

Re: Yubikey

HawkeyePierce wrote: Sun Apr 21, 2019 6:28 pm The truth is your Facebook messages are better protected than your finances.
Given what has been happening at FB with passwords stored in plain text, I think your faith is FB is rather misplaced.

I do agree with the rest of your post. Good advice for the Bogleheads.
by catalina355
Tue Mar 26, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: Boeing 737 Max 8 Flight: Would you rebook?
Replies: 63
Views: 5790

Re: Boeing 737 Max 8 Flight: Would you rebook?

Mr.BB wrote: Tue Mar 26, 2019 10:18 am I hate to say this but the best time to fly in terms of safety is actually after an accident. Inspections are tighten up security is tightened up protocols are tightened up.
Not so since in this case it is a control systems and pilot training issue.
by catalina355
Sun Mar 17, 2019 1:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 455
Views: 77066

Re: Vanguard Municipal Money Market VMSXX 1.39%

Kevin, I have read all your posts, & have learned a lot about bonds & bond funds. Thank you! Children's author James Marshall could write a book in his Stupeds series about me- "The Stupeds Learn Investing". My questions are tax related (so I can use your spreadsheet correctly): Your spreadsheet sh...
by catalina355
Sat Mar 16, 2019 7:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 455
Views: 77066

Re: Vanguard Municipal Money Market VMSXX 1.39%

Why are you specifically mentioning Treasury MM as opposed to other MM funds that contribute ordinary income. I'm curious as I use Treasury MM. Because Treasury MM income is 100% exempt from state taxes. For some of us, including me, it is the highest yielding MM fund on a taxable-equivalent (or af...
by catalina355
Sat Mar 16, 2019 5:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 455
Views: 77066

Re: Vanguard Municipal Money Market VMSXX 1.39%

Kevin, I have read all your posts, & have learned a lot about bonds & bond funds. Thank you! Children's author James Marshall could write a book in his Stupeds series about me- "The Stupeds Learn Investing". My questions are tax related (so I can use your spreadsheet correctly): Your spreadsheet sh...
by catalina355
Sun Mar 10, 2019 2:40 am
Forum: Personal Finance (Not Investing)
Topic: Will and trust....software or attorney?
Replies: 41
Views: 3836

Re: Will and trust....software or attorney?

How did a will allow you to bypass probate? I don't know about his particular case, but I've seen it be quite easy in general (if you're middle-income) to bypass probate entirely with only a will: setup beneficiaries on all financial accounts, make an arrangement for your home (sell it and rent bac...
by catalina355
Sat Mar 09, 2019 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: What I wish I had done - 20/20 hindsight
Replies: 28
Views: 5291

Re: What I wish I had done - 20/20 hindsight

tennisplyr wrote: Sat Mar 09, 2019 7:25 pm I loved chemistry in high school....I wish I had pursued a career involving it.
Same here. I got a 1st in Chemistry in college as a minor and did not pursue it.
by catalina355
Sat Mar 09, 2019 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Will and trust....software or attorney?
Replies: 41
Views: 3836

Re: Will and trust....software or attorney?

I used Legal Zoom for my mother in law for durable power of attorney, healthcare power of attorney, and a will. For my wife. It worked just fine. No need to waste money on an attorney. It has a simple, TurboTax like interface. Her house was sold and all of her assets bypassed probate when she died ...
by catalina355
Sat Mar 09, 2019 9:49 pm
Forum: Personal Investments
Topic: I think I can retire. Help me with the confidence and a plan.
Replies: 29
Views: 5367

Re: I think I can retire. Help me with the confidence and a plan.

We owe on one car loan ($50k @3%, payments of $800/month) and one lease ($600/month, 14 months remaining).[/list] If you want to reduce your expenses so you can retire or take a well deserved break I would get out of the car loan and lease. Do you really need or want a $50K+ car? You could consider...
by catalina355
Sat Mar 09, 2019 9:46 pm
Forum: Personal Investments
Topic: I think I can retire. Help me with the confidence and a plan.
Replies: 29
Views: 5367

Re: I think I can retire. Help me with the confidence and a plan.

Stock in my current employer (roughly 50/50 split in unexercised options and vested RSU grants): $600k Stock in previous employer: $1.5M - long term holding, with a near zero cost basis. This is the part that concerns me. You have more than 2 million in 2 stocks. Sure, maybe they keep going up or h...
by catalina355
Fri Mar 08, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 200
Views: 17970

Re: Are Password Managers Really Necessary?

First of all a password manager does not have a password. It has an encryption key. Second. Yes. But the only dunderhead who can leak the password manager key is you. However much of a dunderhead you are it is as nothing compared to the collective dunderheadedness of a couple of dozen random web si...
by catalina355
Fri Mar 08, 2019 3:40 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 200
Views: 17970

Re: Are Password Managers Really Necessary?

Please tell me what I said that was not correct. password -> encryption key -> encrypt the password database using the key A password manager might use a master password to derive the encryption key, but there are many other methods. Some people in this thread have been bemoaning the fact that if t...
by catalina355
Fri Mar 08, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8930

Re: attacked by off-leash dog

Bear spray used on a human is illegal everywhere I know of. That stuff is designed to stop a grizzly and is far more concentrated than the stuff designed for use on humans and dogs. If unleashed dogs were a real problem that the majority of citizens really cared about then it would be enforced more...
by catalina355
Fri Mar 08, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 200
Views: 17970

Re: Are Password Managers Really Necessary?

First of all a password manager does not have a password. It has an encryption key. Second. Yes. But the only dunderhead who can leak the password manager key is you. However much of a dunderhead you are it is as nothing compared to the collective dunderheadedness of a couple of dozen random web si...
by catalina355
Fri Mar 08, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8930

Re: attacked by off-leash dog

Bear spray used on a human is illegal everywhere I know of. That stuff is designed to stop a grizzly and is far more concentrated than the stuff designed for use on humans and dogs. If unleashed dogs were a real problem that the majority of citizens really cared about then it would be enforced more...