Search found 1442 matches

by dukeblue219
Mon May 10, 2021 11:53 am
Forum: Personal Investments
Topic: TSP C vs Vanguard S&P 500
Replies: 20
Views: 985

Re: TSP C vs Vanguard S&P 500

I retired a year ago and am in the TSP C Fund and Vanguard. The expenses for the C Fund is .051 and the 500 is .04 for admiral shares. Not a huge difference but is there any advantage with staying in the C Fund vs the slightly lower expenses of the 500 or Total Return Funds? I won't get out of TSP ...
by dukeblue219
Mon May 10, 2021 11:11 am
Forum: Personal Investments
Topic: TSP C vs Vanguard S&P 500
Replies: 20
Views: 985

Re: TSP C vs Vanguard S&P 500

I retired a year ago and am in the TSP C Fund and Vanguard. The expenses for the C Fund is .051 and the 500 is .04 for admiral shares. Not a huge difference but is there any advantage with staying in the C Fund vs the slightly lower expenses of the 500 or Total Return Funds? I won't get out of TSP ...
by dukeblue219
Mon May 10, 2021 8:36 am
Forum: Personal Consumer Issues
Topic: Online Security - Am I going Overboard?
Replies: 8
Views: 730

Re: Online Security - Am I going Overboard?

If nothing else, secure your investment accounts with 2FA of some sort, your phone number either with Google Voice or a carrier that will let you lock port outs, and your email account like it's fort Knox. Everything else is optional and depends on your preferences. If you lose your phone number or ...
by dukeblue219
Sun May 09, 2021 6:22 pm
Forum: Investing - Theory, News & General
Topic: Why do we even need a fund to track the market?
Replies: 111
Views: 6877

Re: Why do we even need a fund to track the market?

since I think there's not much of a difference between following the entire market or a representative diversified list comprised of 30-50 leading stocks (like the DOW), wouldn't it make more sense for me to do just that? For example, if I start from the 30 companies in the DOW, change the 3-5 comp...
by dukeblue219
Sun May 09, 2021 5:46 pm
Forum: Personal Investments
Topic: Buying Vanguard Funds through Fidelity?
Replies: 20
Views: 1444

Re: Buying Vanguard Funds through Fidelity?

Your options are: 1) buy the ETF versions of Vanguard funds for free (e.g. VT or VTI) 2) buy the Fidelity funds, which are dirt cheap (FSKAX) or even zero ER (FZROX) 3) buy the Vanguard funds for *I think* $50 per purchase. This actually isn't a huge percentage if you only need to do it once a year ...
by dukeblue219
Sun May 09, 2021 3:37 pm
Forum: Personal Investments
Topic: Mother is 64 & decided it might be worth trying to save for retirement...
Replies: 39
Views: 4407

Re: Mother is 64 & decided it might be worth trying to save for retirement...

If she gets health insurance through her federal job and does so the 5 years prior to her retirement, then she can continue the insurance (at the same cost) through retirement. This can either be in addition to Medicare Part B, or in lieu of it. Check Consumers Checkbook on FEHB plans (not same as ...
by dukeblue219
Sun May 09, 2021 9:35 am
Forum: Personal Investments
Topic: Mother is 64 & decided it might be worth trying to save for retirement...
Replies: 39
Views: 4407

Re: Mother is 64 & decided it might be worth trying to save for retirement...

Definitely need to find out more about her FERS. Can you explain why you think it will be very modest? Who worked for the feds and for how long? A social security + FERS retirement with housing covered by you can be quite comfortable. She's not going to own a yacht and a helicopter, but it's not goi...
by dukeblue219
Sun May 09, 2021 9:00 am
Forum: Personal Consumer Issues
Topic: Tesla’s regenerative braking
Replies: 35
Views: 2427

Re: Tesla’s regenerative braking

I've gone back and forth and it's no issue. Don't let it be a significant factor in your decision making, and remember that the days of routine brake service will be over.
by dukeblue219
Sun May 09, 2021 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Do the top 1% earn most of their income through investments?
Replies: 18
Views: 2231

Re: Do the top 1% earn most of their income through investments?

.1% is very different from 1% and that's the distinction you're looking for.
by dukeblue219
Sat May 08, 2021 7:09 pm
Forum: Investing - Theory, News & General
Topic: HSA withdrawal logistics
Replies: 18
Views: 3423

Re: HSA withdrawal logistics

It makes no difference whether the expense was incurred today or 10 years ago, as long as it was after the HSA was opened (or after your first HSA was opened, I believe). The plan administrator may provide a way for you to track receipts, but in terms of documenting that the expense was eligible fo...
by dukeblue219
Sat May 08, 2021 6:54 pm
Forum: Investing - Theory, News & General
Topic: What Ever Happened to "Your Age In Bonds"?
Replies: 89
Views: 6035

Re: What Ever Happened to "Your Age In Bonds"?

All rules of thumb are useful guidance and rarely optimal for anyone. This one gives people the sense that they should start mostly equities and finish mostly bonds. That's still valid. But also, people are working and living longer. Someone who is 55 nowadays is probably expecting to work 15 more y...
by dukeblue219
Sat May 08, 2021 4:25 pm
Forum: Investing - Theory, News & General
Topic: Index Buying by MF
Replies: 5
Views: 590

Re: Index Buying by MF

The mutual funds can buy those shares on the open market just like anyone else. They don't have to make any new ones. Look at the volume for any stock on the S&P500. Millions of shares will trade daily for most of them, each of which necessitate a buyer and a seller. There's no issue filling ano...
by dukeblue219
Sat May 08, 2021 7:45 am
Forum: Personal Consumer Issues
Topic: Recommendation for Leaf Blower
Replies: 58
Views: 2696

Re: Recommendation for Leaf Blower

Admittedly I forget not everyone lives in an urban environment sometimes. I've never spent more than 30 minutes raking a yard in my life, yet we have some neighbors who still insist on blowing their yards twice a week. Good lord it's irritating to have that sound going right outside the window durin...
by dukeblue219
Sat May 08, 2021 7:12 am
Forum: Personal Investments
Topic: Willing to share your Taxable Portfolio?
Replies: 185
Views: 18134

Re: Willing to share your Taxable Portfolio?

10% BRKB
10% XLU
10% QQQ
5% VTEB
65% VOO

I suppose if you consider Coinbase as part of my taxable investments then that's about 2%.
by dukeblue219
Sat May 08, 2021 6:55 am
Forum: Personal Consumer Issues
Topic: Ultra Low Mileage Car Lease
Replies: 18
Views: 1845

Re: Ultra Low Mileage Car Lease

The big question here is a lifestyle choice. Do you value having your own car that's available whenever you need it, and do you enjoy the moment of privacy during your commute?

The cost effective choice is probably Uber but not everyone likes riding with someone every day.
by dukeblue219
Fri May 07, 2021 6:48 pm
Forum: Personal Consumer Issues
Topic: Do you still read the print newspaper?
Replies: 84
Views: 3126

Re: Do you still read the print newspaper?

Yep. I'm 35 and we get the print WaPo. We probably wouldn't get a smaller town paper with little content, but WaPo is pretty deep all seven days. I like reading the paper at breakfast and it feels more... acceptable... than eating with the family with eyes locked on phones. Certainly throughout the ...
by dukeblue219
Fri May 07, 2021 3:54 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Leaf Blower
Replies: 58
Views: 2696

Re: Recommendation for Leaf Blower

How much do you want your neighbors to hate you?

Get electric, like the Worx blowers. 40v if you need decent power for leaves, or 20v if you're just blowing grass clippings off the sidewalk. Don't even think about gas. Nothing ruins a lazy weekend day like VRRRRM VRRRRM VRRRM.
by dukeblue219
Fri May 07, 2021 9:05 am
Forum: Personal Consumer Issues
Topic: Tinting a panoramic sunroof
Replies: 15
Views: 1006

Re: Tinting a panoramic sunroof

unclescrooge wrote: Fri May 07, 2021 9:03 am Also, has anyone ever tinted the front windshield. I never have, and I'd like to, but I'm wondering if there are any drawbacks to doing so?
Not legal in most, if not all, states. Only the top couple inches can be tinted.
by dukeblue219
Fri May 07, 2021 8:40 am
Forum: Personal Consumer Issues
Topic: Streaming TV services?
Replies: 19
Views: 2138

Re: Streaming TV services?

Please excuse my ignorance, but how would I use the TV as a large monitor, in this case, with my laptop? I am contemplating getting a Roku device - but I do watch a lot of things on YouTube - so no app there as mentioned above. Thanks. Any TV made since 2008 or so will have an HDMI port. Any laptop...
by dukeblue219
Thu May 06, 2021 9:24 pm
Forum: Personal Consumer Issues
Topic: TSA PreCheck question
Replies: 21
Views: 2376

Re: TSA PreCheck question

For Global Entry you have to schedule an interview at one of a limited number of CBP offices (most the major US airports). If you live near one it's not a big deal, but you might not and have to travel if you don't live in a major city. There is an option to do your interview on your first arrival ...
by dukeblue219
Thu May 06, 2021 9:16 pm
Forum: Personal Investments
Topic: high yield savings account
Replies: 9
Views: 1179

Re: high yield savings account

Nothing changed fundamentally except none of them pay any real interest anymore after rates cratered in 2020. Most of the usual players are in the 0.40% range these days.
by dukeblue219
Thu May 06, 2021 6:44 pm
Forum: Personal Consumer Issues
Topic: Is there any free site that provides IQ test and results
Replies: 33
Views: 2113

Re: Is there any free site that provides IQ test and results

dukeblue is presumably alluding to concerns about "equity" and that gifted programs, generally, seem more under attack of late than they were even, say, five years ago. That's likely true, but varies by region of the country, school district, etc. That is true too, but mainly I meant that...
by dukeblue219
Thu May 06, 2021 5:40 pm
Forum: Personal Consumer Issues
Topic: Is there any free site that provides IQ test and results
Replies: 33
Views: 2113

Re: Is there any free site that provides IQ test and results

Thanks for the reply. My son is in gifted program and I was just curious to see what is his actual or approximate IQ. I seen some online advertised as free. But I think many will ask for payment at the end. I was wondering if anyone has come across a descent free site. did your school test him for ...
by dukeblue219
Thu May 06, 2021 11:24 am
Forum: Personal Consumer Issues
Topic: TSA PreCheck question
Replies: 21
Views: 2376

Re: TSA PreCheck question

plasticofantastico wrote: Thu May 06, 2021 10:56 am If you travel at all internationally, pay the extra $20 and get Global Entry instead of TSA pre-check. Makes clearing immigration and customs much easier.
Very good point, especially if a CC is covering it anyway.
by dukeblue219
Thu May 06, 2021 9:47 am
Forum: Forum Issues and Administration
Topic: Posts about cyber currencies
Replies: 22
Views: 900

Re: Posts about cyber currencies

These so called currencies are often used in criminal activities. Allowing discussion to promote it is just wrong. Lots of things are used in criminal activities including cash, bank accounts, cell phones, cars, etc. Thats actually an interesting analog. Cell phone possession was banned at a lot of...
by dukeblue219
Thu May 06, 2021 9:35 am
Forum: Personal Investments
Topic: 401k wellington fund
Replies: 11
Views: 912

Re: 401k wellington fund

This one of those questions where the short answer is simply "yes that's a good idea."

Is it perfect? Probably not. Is it better than being all equities at 62? Almost certainly.
by dukeblue219
Thu May 06, 2021 8:18 am
Forum: Forum Issues and Administration
Topic: Posts about cyber currencies
Replies: 22
Views: 900

Re: Posts about cyber currencies

Using the term "cyber currency" suggests you have little knowledge of the subject. As long as posts about bidding for the cheapest toilet installation or merits of three different newspapers are allowed, then crypto is going to stick around. You don't have to buy in, but it's a hot topic i...
by dukeblue219
Thu May 06, 2021 8:14 am
Forum: Personal Consumer Issues
Topic: TSA PreCheck question
Replies: 21
Views: 2376

Re: TSA PreCheck question

Since you're on the subject, you can travel under a maiden name if you don't want to deal with changing the passport. CBP website is clear that it's possible, but you're supposed to bring some proof of the name progression: https://help.cbp.gov/s/article/Article-1209?language=en_US If you rarely tra...
by dukeblue219
Wed May 05, 2021 1:41 pm
Forum: Investing - Theory, News & General
Topic: Why isnt everyone buying TIPS?
Replies: 107
Views: 9085

Re: Why isnt everyone buying TIPS?

You may not be buying any, but lumber has gone up OVER 500% in the last year. https://finance.yahoo.com/quote/LBS%3DF/ Wow, I keep hearing about lumber but this is the first time I've seen something more substantive than anecdotes. We've all heard about timber as an alternative investment over the ...
by dukeblue219
Wed May 05, 2021 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 852
Views: 183668

Re: Bank of America/Merrill Edge - Preferred Rewards

Per email today: "We want to make you aware of an enhancement to your Premium Rewards® card. Now through December 31, 2021, as a Preferred Rewards Platinum Honors member, you will earn unlimited 3.5 points for every $1 spent on grocery store purchases, including many grocery store delivery and ...
by dukeblue219
Tue May 04, 2021 1:38 pm
Forum: Personal Investments
Topic: Best options for investing for kids?
Replies: 34
Views: 2326

Re: Best options for investing for kids?

dukeblue219, That means the person saves 39K + 12K + 12K= 53K per year. <<Growth in equities is the only way they'd be able to pay for a couple of college educations as their income cannot cash flow two kids in college overlapping for two years. >> That statement is fundamentally false. The money h...
by dukeblue219
Tue May 04, 2021 11:42 am
Forum: Personal Investments
Topic: Best options for investing for kids?
Replies: 34
Views: 2326

Re: Best options for investing for kids?

If the annual savings is high enough, why the person needs to sale anything in the taxable account to pay for college education? At the high end of college education funding, it is 80K per year. Pick an annual saving and we can go through the numbers and explain why it is not a problem. Let's suppo...
by dukeblue219
Tue May 04, 2021 10:49 am
Forum: Personal Investments
Topic: Best options for investing for kids?
Replies: 34
Views: 2326

Re: Best options for investing for kids?

1) If you are employed and you max up all your tax-advantaged accounts, it will be 0%. The MFJ AGI threshold is "only" $80k. I know that's above median, but especially in a HCOL area its not hard to be in the 15% LTCG box without anyone needing to be a lawyer/doctor/banker. There's only s...
by dukeblue219
Tue May 04, 2021 8:52 am
Forum: Personal Investments
Topic: Best options for investing for kids?
Replies: 34
Views: 2326

Re: Best options for investing for kids?

I do not understand why BH prefers saving for college in taxable over 529. You've got 18 years for that money to potentially quadruple. Why would you keep that in a taxable account? My response was about where to start saving NOW and not the ultimate end point. Eventually, for a wealthy family a 52...
by dukeblue219
Tue May 04, 2021 8:49 am
Forum: Personal Investments
Topic: Best options for investing for kids?
Replies: 34
Views: 2326

Re: Best options for investing for kids?

For folks with 0% long-term capital gain tax rate, there is minimal tax savings. This is especially true for BH that max up all their tax-advantaged accounts. KlangFool Certainly true. How likely is it you'll be in a 0% LTCG bracket when you need to make those withdrawals, though, especially when y...
by dukeblue219
Tue May 04, 2021 8:43 am
Forum: Investing - Theory, News & General
Topic: Do I have to read the prospectus before buying an index fund?
Replies: 101
Views: 7853

Re: Do I have to read the prospectus before buying an index fund?

I never read them. I've saved hours and hours by not reading them. I also don't read the terms and conditions that come with my credit cards. Life is too short to play amateur lawyer. This. I don't call my brokerage to inquire why this year's dividends are scheduled later than last year, I don't ma...
by dukeblue219
Tue May 04, 2021 1:55 am
Forum: Personal Investments
Topic: Best options for investing for kids?
Replies: 34
Views: 2326

Re: Best options for investing for kids?

I do not understand why BH prefers saving for college in taxable over 529. You've got 18 years for that money to potentially quadruple. Why would you keep that in a taxable account? No, the kid might not go to college but it's fair to assume he or she will, and I damn sure wouldn't want finances to ...
by dukeblue219
Mon May 03, 2021 6:44 pm
Forum: Personal Consumer Issues
Topic: Any Washington Post Subscribers?
Replies: 18
Views: 1677

Re: Any Washington Post Subscribers?

I have home delivery since it's my local paper, but also a digital NYT subscription. WaPo is better for national political news, NYT for cultural news. Both are good and do similar work, but that's the difference I see.
by dukeblue219
Mon May 03, 2021 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Sending money to mentally unstable relative without revealing my home address
Replies: 39
Views: 3470

Re: Sending money to mentally unstable relative without revealing my home address

...bitcoin? Send to their address, and then they can turn that to cash via localbitcoins.com What’s funny is that yes, this is actually a practical use for Bitcoin. Particularly in the case of someone who is paranoid about the government. You could also use a stablecoin rather than actual BTC.
by dukeblue219
Mon May 03, 2021 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Filing state taxes by mail
Replies: 32
Views: 1741

Re: Filing state taxes by mail

What are you actually asking? Many of us find the state e-file makes life more convenient, and TurboTax to be the most convenient tax software available. I got better things to do than print and mail a tax return, then wait who knows how long for processing. Only you know whether it's worth $25 to y...
by dukeblue219
Mon May 03, 2021 10:57 am
Forum: Personal Consumer Issues
Topic: Drone usage
Replies: 13
Views: 957

Re: Drone usage

Contact the FAA - this is unauthorized. They won't do a ton, but it should be reported. Do not, I repeat not, tell them you shot at one as that is a federal crime just the same as shooting at a passenger plane. I would consider deleting your post. People have been arrested for this before, stupid as...
by dukeblue219
Sun May 02, 2021 10:43 pm
Forum: Investing - Theory, News & General
Topic: Motley Fool Stock Advisor
Replies: 15
Views: 1625

Re: Motley Fool Stock Advisor

They have picked a few huge winners early enough to show pretty solid returns overall. AOL in the 90s and Amazon in the 2000s are two of their biggies. On the other hand, who the heck knows if it'll continue. There are worse places to get investing advice than Stock Advisor, but TMF themselves used ...
by dukeblue219
Sun May 02, 2021 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: BoA Preferred Rewards qualification tracker
Replies: 5
Views: 529

Re: BoA Preferred Rewards qualification tracker

Is there a way to confirm online when an account stopped being qualified for preferred rewards. I transferred money out of my checking and my balance dropped below 100,000. Does that mean I need to transfer money back to the account within 12 months to retain my platinum honors, then keep it there ...
by dukeblue219
Sun May 02, 2021 10:09 pm
Forum: Investing - Theory, News & General
Topic: Qualified Versus Unqualified Dividends
Replies: 7
Views: 967

Re: Qualified Versus Unqualified Dividends

Take a look at https://advisors.vanguard.com/tax-center/qualified-dividend-income You can search for VTSAX to confirm it is mostly or entirely qualified each year. It's a common misconception that the ordinary amount on a 1099 implies "not qualified" when in fact it does not. The terms are...
by dukeblue219
Sun May 02, 2021 3:33 pm
Forum: Investing - Theory, News & General
Topic: Why impossible for active to beat average?
Replies: 19
Views: 1467

Re: Why impossible for active to beat average?

The points have already been made, but just for completeness here's why (in my opinion) your specific example doesn't work: the passive investors own 100% of Microsoft, but 90% of Apple shares. So the passive portfolio is not cap-weighted, and thus not passive, which is a contradiction. This really...
by dukeblue219
Sun May 02, 2021 2:19 pm
Forum: Investing - Theory, News & General
Topic: Why impossible for active to beat average?
Replies: 19
Views: 1467

Why impossible for active to beat average?

Help me out on the math, please. It's said that the market is made up of active and passive investors, and if passive investors receive the weighted average performance of all stocks, then it would be impossible for active investors to collectively be above average. That makes sense superficially, I...
by dukeblue219
Sun May 02, 2021 12:36 pm
Forum: Personal Consumer Issues
Topic: Tips for Carrying Food in Hot Climate?
Replies: 39
Views: 2780

Re: Tips for Carrying Food in Hot Climate?

The simplest answer to OPs question is yes, the insulated bags work well enough and take up nearly zero space folded in your trunk. Put the frozen stuff in at checkout and don’t make extra stops after grocery shopping and you’ll be fine. You really shouldn’t need a cooler with ice packs unless you h...
by dukeblue219
Sun May 02, 2021 9:27 am
Forum: Investing - Theory, News & General
Topic: Target Date Funds
Replies: 36
Views: 5181

Re: Target Date Funds

Does anyone use 2 Target date funds? for example if you were retiring in 2021 put X % in the 2020 fund but realize that a good portion of your money will not be needed for another 10 years so you put that in the 2030 fund? effectively puts some of your money at say50/50 and another portion at 60/40...
by dukeblue219
Sun May 02, 2021 9:22 am
Forum: Personal Consumer Issues
Topic: Tips for Carrying Food in Hot Climate?
Replies: 39
Views: 2780

Re: Tips for Carrying Food in Hot Climate?

livesoft wrote: Sun May 02, 2021 8:32 am
Have you ever eaten frozen almond M&Ms or frozen squares of milk chocolate? We do not freeze hard sugar candy nor buy it in the first place.
No, but I’m intrigued. I do enjoy a frozen Reese’s so I can see the possibility…
by dukeblue219
Sun May 02, 2021 8:28 am
Forum: Personal Consumer Issues
Topic: Tips for Carrying Food in Hot Climate?
Replies: 39
Views: 2780

Re: Tips for Carrying Food in Hot Climate?

livesoft wrote: Sun May 02, 2021 8:25 am We do freeze items such as nuts and candy after we get home, but those are just on the room temperature shelves in the stores.
Why?