Search found 201 matches

by drummerboy
Thu Apr 01, 2021 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up Your Retirement Paycheck?
Replies: 14
Views: 1928

Re: Setting up Your Retirement Paycheck?

Setting up a "Paycheck" has been very helpful to me. I'm not yet getting Social Security, so I wanted a way to replicate what my allowed amount should be each month. I have a high-yield savings holding account (not linked to my checking account) that I put 6 months of cash into. This accou...
by drummerboy
Wed Mar 10, 2021 9:10 pm
Forum: Personal Consumer Issues
Topic: Time to ditch Tivo?
Replies: 49
Views: 4413

Re: Time to ditch Tivo?

5th_Dimension wrote: Wed Mar 10, 2021 6:38 pm Long time TiVo user who dumped them several years ago and went to Channels. It takes a bit of technical expertise to set it up but it is a very good system.

https://getchannels.com
+1 Channels is great. AppleTV and iPad apps work great. An inexpensive OTA DVR
by drummerboy
Wed Mar 10, 2021 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Deduction, Early Retirement, HDHP
Replies: 6
Views: 356

Re: HSA Deduction, Early Retirement, HDHP

livesoft wrote: Wed Mar 10, 2021 5:57 pm So you can have $9200 contributed to two separate HSAs and deducted if you all do it right. We do $8200 and $1000 since we are both over 55.
That works because you must have two HSA's? We have one, in my name, rolled over from my former employer. My health plan is a HDHP for both of us.
by drummerboy
Wed Mar 10, 2021 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Deduction, Early Retirement, HDHP
Replies: 6
Views: 356

Re: HSA Deduction, Early Retirement, HDHP

OK, perfect! Yeah, I'm over 55, I'll edit my original post.
by drummerboy
Wed Mar 10, 2021 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Deduction, Early Retirement, HDHP
Replies: 6
Views: 356

HSA Deduction, Early Retirement, HDHP

I'm enrolled in a High Deductible Health Plan (that is HSA eligible). I've got my HSA at Fidelity. Given that this is for my wife and I and we are over 55, the maximum allowable contribution for a "family" is 2021 is $8200. (It is normally $7200 a year) If I contribute the full amount this...
by drummerboy
Tue Mar 09, 2021 11:22 am
Forum: Investing - Theory, News & General
Topic: IUSB ETF as TLH partner for Total Bond?
Replies: 4
Views: 210

IUSB ETF as TLH partner for Total Bond?

I'm looking to do some Tax Loss Harvesting of a Total Bond Fund (e.g. AGG, BND, SCHZ) in a taxable account. Normally, I would have to wait over 30 days to buy back in again to avoid the wash sale. Would IUSB be an ETF that I could buy immediately and still avoid a wash sale? They track different ind...
by drummerboy
Mon Mar 08, 2021 8:42 pm
Forum: Investing - Theory, News & General
Topic: Smarter approach to "emergency funds"?
Replies: 193
Views: 34304

Re: Smarter approach to "emergency funds"?

I have a tiered EF. Small amount in Cash/HYSA and no penalty CDs. Next tier in JMST JPMC ultra short muni fund that did really well through the crash a year ago. Barely a blip down. Then the rest in ex-US ETF. Now that I'm getting older... I'm shifting from CDs and the JMST to I-Bonds. As a long te...
by drummerboy
Mon Mar 08, 2021 8:13 pm
Forum: Investing - Theory, News & General
Topic: Smarter approach to "emergency funds"?
Replies: 193
Views: 34304

Re: Smarter approach to "emergency funds"?

Any gotchas I should be aware of where people would recommend against swapping this 200K of EALDX for AOK outright? Has the recent bond market conditions caused people to reconsider this allocation as beneficial? Alternatively, given the longer timeframe of this EF, might AOM or another ETF make mo...
by drummerboy
Mon Mar 08, 2021 4:10 pm
Forum: Personal Investments
Topic: Direct 401k Rollover - Then ACAT Transfer
Replies: 4
Views: 176

Re: Direct 401k Rollover - Then ACAT Transfer

Yes, the custodian I'm moving to has offered a bonus for transferring.
by drummerboy
Mon Mar 08, 2021 3:45 pm
Forum: Personal Investments
Topic: Direct 401k Rollover - Then ACAT Transfer
Replies: 4
Views: 176

Direct 401k Rollover - Then ACAT Transfer

I just completed a direct rollover from my MegaCorp Fidelity 401k to a Fidelity Rollover IRA and Roth IRA. Flawless process, all electronic, no paper checks. It took a few days. The Traditional 401k balance was rolled into the Rollover IRA and the Roth 401k was rolled into the Roth IRA. Most of my a...
by drummerboy
Sat Mar 06, 2021 4:47 pm
Forum: US Chapters
Topic: Metro Atlanta Bogleheads Local Chapter
Replies: 134
Views: 45045

Re: Metro Atlanta Bogleheads Local Chapter

The March meeting will be Tuesday, March 9th: During this session we will be: Answering any questions of the members that join Securing Information, A "FireDrill". Share ideas regarding emergency kit, sharing information with spouse, etc Share information from other Chapters. The Zoom meet...
by drummerboy
Tue Feb 23, 2021 4:19 pm
Forum: Personal Investments
Topic: Taxable Merrill Lynch acct
Replies: 6
Views: 405

Re: Taxable Merrill Lynch acct

I'm assuming that you opened a Merrill Edge account (not a full service Merrill Lynch account). Anyway, any ETFs trade for free on their platform. So if you are looking for a Total Stock Market fund, consider any one of these 3: VTI (Vanguard), ITOT (iShares), SCHB (Schwab). All work just fine in a...
by drummerboy
Tue Feb 23, 2021 4:02 pm
Forum: Personal Investments
Topic: Should a long term investor worry about a NAV decline of Total Bond?
Replies: 36
Views: 3782

Re: Should a long term investor worry about a NAV decline of Total Bond?

Should you worry? Especially if you are holding Total Bond for longer than it's duration?
No, you shouldn't worry.

Jason Zwieg wrote a great article about this years ago:
Five Myths of Bond Investing
by drummerboy
Tue Feb 23, 2021 3:53 pm
Forum: Personal Investments
Topic: Taxable Merrill Lynch acct
Replies: 6
Views: 405

Re: Taxable Merrill Lynch acct

I'm assuming that you opened a Merrill Edge account (not a full service Merrill Lynch account). Anyway, any ETFs trade for free on their platform. So if you are looking for a Total Stock Market fund, consider any one of these 3: VTI (Vanguard), ITOT (iShares), SCHB (Schwab). All work just fine in a ...
by drummerboy
Tue Feb 23, 2021 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Best decision(s) in your financial life
Replies: 167
Views: 13378

Re: Best decision(s) in your financial life

Obviously many Bogleheads principles are perfect: Low Fees, 3 or 4 Index Funds, Live below your means, start early, time in market, etc. I have two that have helped me a lot: Diversify out of company stock grants. I did this in the late 90s (just before the tech bubble burst) and diversified. Yes, I...
by drummerboy
Mon Feb 22, 2021 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab as a one stop shop
Replies: 95
Views: 17369

Re: Schwab as a one stop shop

Schwab as a one stop shop is a great choice. Low fees, great customer service, fantastic checking account. The Amex Platinum perk is great too once your assets grow. Getting $100 to $200 off a year makes this card very affordable with a lot of perks for traveling. The only thing Schwab doesn't have ...
by drummerboy
Sat Jan 30, 2021 8:04 pm
Forum: Personal Investments
Topic: Marcus or Ally
Replies: 170
Views: 19554

Re: Marcus or Ally

You can push ACH to Ally just fine. I push from Schwab and Marcus into Ally and see credit the next day.
by drummerboy
Fri Jan 29, 2021 8:01 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 299
Views: 34872

Re: What is your overall portfolio weighted expense ratio

My portfolio expense ratio is .06%

Quite a change from a decade ago when I used one of those big firm financial advisors paying 1-1.1%
by drummerboy
Fri Jan 29, 2021 7:57 pm
Forum: Personal Consumer Issues
Topic: Vaccum recommendation?
Replies: 43
Views: 2721

Re: Miele

Bogle7 wrote: Tue Jan 26, 2021 5:43 pm Miele Marin C3 Complete.
$1100
Worth it.
Sucks. Quiet. Lightweight. HEPA filter.
+1

Our Miele canister vacuum is great. The HEPA filter makes the air feel cleaner after vacuuming.
by drummerboy
Fri Jan 22, 2021 5:42 pm
Forum: US Chapters
Topic: Metro Atlanta Bogleheads Local Chapter
Replies: 134
Views: 45045

Re: Metro Atlanta Bogleheads Local Chapter

The February meeting will be Tuesday, February 9th: During this session we will be: Answering any questions of the members that join Share ideas regarding emergency kit, sharing information with spouse, etc Reviewing the list of upcoming meeting topics Updating our Distribution List! The Zoom meetin...
by drummerboy
Mon Jan 18, 2021 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Chase Private Client solicitation
Replies: 18
Views: 3796

Re: Chase Private Client solicitation

Every “perk” for Chase Sapphire Banking seems to be included in Schwab Bank Checking: No foreign transaction fee on ATM card All ATM fees reimbursed No fees for wires, bank checks, etc I was hoping that Sapphire Banking would add certain perks to their credit cards (e.g. make a Sapphire card earn 1 ...
by drummerboy
Fri Jan 15, 2021 8:12 pm
Forum: Personal Consumer Issues
Topic: Secure email provider
Replies: 23
Views: 1962

Re: Secure email provider

Fastmail is fantastic. I've been using them for 15 years. It supports many great features. Such as: Secure 2-Factor Access including hardware keys such as Yubikey. Keeping your email account secure is the most important thing you can do to prevent other accounts from being compromised. Fast mobile a...
by drummerboy
Thu Dec 17, 2020 6:37 pm
Forum: Personal Consumer Issues
Topic: Cord cutting 2020 - Youtube TV
Replies: 142
Views: 12870

Re: Cord cutting 2020 - Youtube TV

I had YouTube TV, only thing of value was live sports. I decided that even that wasn’t worth it. I now use the Channels DVR and Channels App on our AppleTV. I use an OTA antenna, and I get the 4 major networks recorded on my “home made” DVR (a Synology NAS / an old PC or MacMini would work great too...
by drummerboy
Tue Dec 08, 2020 11:15 am
Forum: Personal Consumer Issues
Topic: Are password managers safe to use?
Replies: 360
Views: 17636

Re: Are password managers safe to use?

I am open minded about these things. So here's a question about 1Password - suppose I choose to use it, having already established passwords for about 50 websites. Do I have to let 1Password know about those passwords or does it generate a new password for each of the sites when visited? When you s...
by drummerboy
Mon Dec 07, 2020 6:09 pm
Forum: Personal Consumer Issues
Topic: Are password managers safe to use?
Replies: 360
Views: 17636

Re: Are password managers safe to use?

No, that is not a possibility. 1Password simply does not have the keys to your password vault . Would it be more accurate to say that 1Password is not supposed to have the keys to your password vault? What happens if the owner of the password vault made their master key "1234" or "pa...
by drummerboy
Mon Dec 07, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: Are password managers safe to use?
Replies: 360
Views: 17636

Re: Are password managers safe to use?

Your email getting hacked is more problematic. There is probably a lot more personal data than you realize in your email. There is also the risk that with many of these mail providers that once you are locked out by a hacker, there is virtually no customer support available to help you get control ...
by drummerboy
Mon Dec 07, 2020 1:56 pm
Forum: Personal Consumer Issues
Topic: Are password managers safe to use?
Replies: 360
Views: 17636

Re: Are password managers safe to use?

1Password is much safer than trying to manage encryption yourself. End users are notorious for screwing that up. You are far more likely to mess up the encryption of your USB drive—or use a drive with flawed encryption to begin with—than 1Password is to be compromised. Rolling your own DIY security...
by drummerboy
Sun Nov 15, 2020 12:30 pm
Forum: US Chapters
Topic: Metro Atlanta Bogleheads Local Chapter
Replies: 134
Views: 45045

Re: Metro Atlanta Bogleheads Local Chapter

I apologize for the 1 week delay for our January meeting. The January meeting will be next Tuesday: During this session we will be: Answering any questions of the members that join Share ideas regarding emergency kit, sharing information with spouse, etc Reviewing the list of upcoming meeting topics...
by drummerboy
Tue Nov 10, 2020 8:18 pm
Forum: US Chapters
Topic: Metro Atlanta Bogleheads Local Chapter
Replies: 134
Views: 45045

Re: Metro Atlanta Bogleheads Local Chapter

Some links for the articles we discussed tonight: Mega Backdoor Roth: https://www.madfientist.com/after-tax-contributions/ Bond Tent prior to Retirement: https://www.kitces.com/blog/managing-portfolio-size-effect-with-bond-tent-in-retirement-red-zone/ 0% Capital Gains Rate: https://www.kitces.com/bl...
by drummerboy
Tue Nov 10, 2020 6:18 pm
Forum: US Chapters
Topic: Metro Atlanta Bogleheads Local Chapter
Replies: 134
Views: 45045

Re: Metro Atlanta Bogleheads Local Chapter

See all of you Atlanta folks tonight on Zoom for the meeting
by drummerboy
Mon Nov 02, 2020 7:24 am
Forum: Personal Consumer Issues
Topic: Improving Wi-Fi coverage: Use existing Cat5e and MoCA? [Solved]
Replies: 87
Views: 6248

Re: Improving Wi-Fi coverage: Use existing Cat5e and MoCA?

Eero mesh lets you commingle wired and wireless backhaul. I have one room that has no Ethernet pull, and putting it in would be a PITA; wireless unit there works fine. Eero doesn’t have a built-in switch as such, but there are two Ethernet jacks; one for the backhaul and one for other devices (in s...
by drummerboy
Mon Oct 26, 2020 12:40 pm
Forum: Personal Consumer Issues
Topic: IMac Gmail viewing problem
Replies: 7
Views: 576

Re: IMac Gmail viewing problem

At the start of this there was a game ,world of cubes,that we could not delete.It would take over 100 pct of the screen like the mail,and it would always show on the side of the screen if we were on a different page. Sorry if this is confusing. It seemed to all start with this game. It sounds like ...
by drummerboy
Mon Oct 26, 2020 12:36 pm
Forum: Personal Consumer Issues
Topic: Help me Buy iMac for $1,000 range?
Replies: 9
Views: 817

Re: Help me Buy iMac for $1,000 range?

I always buy Apple Certified Refurbished. Apple hides it a bit on their store (you have to scroll to the very bottom of every page). You can buy an iMac for just over $1k there....

https://www.apple.com/shop/refurbished/mac/imac
by drummerboy
Mon Oct 26, 2020 10:59 am
Forum: US Chapters
Topic: Metro Atlanta Bogleheads Local Chapter
Replies: 134
Views: 45045

Re: Metro Atlanta Bogleheads Local Chapter

We are going to have the next meeting in November. This will be the Tuesday evening following election day. During this session we will be: Answering any questions of the members that join Sharing my lessons learned in preparation for retirement Reviewing the list of upcoming meeting topics The Zoom...
by drummerboy
Tue Oct 06, 2020 4:42 pm
Forum: US Chapters
Topic: Metro Atlanta Bogleheads Local Chapter
Replies: 134
Views: 45045

Re: Metro Atlanta Bogleheads Local Chapter

We are going to have the next meeting in October. We are going to try a new day of week / time to hopefully allow more of the members to join. During this session we will be: Answering any questions of the members that join Gathering topic suggestions for future meetings Reviewing some great resour...
by drummerboy
Fri Sep 25, 2020 4:56 pm
Forum: US Chapters
Topic: Metro Atlanta Bogleheads Local Chapter
Replies: 134
Views: 45045

Re: Metro Atlanta Bogleheads Local Chapter

We are going to have the next meeting in October. We are going to try a new day of week / time to hopefully allow more of the members to join. During this session we will be: Answering any questions of the members that join Gathering topic suggestions for future meetings Reviewing some great resourc...
by drummerboy
Wed Sep 16, 2020 2:48 pm
Forum: Personal Consumer Issues
Topic: Too Many Monthly Digital Subscriptions - Time for Apple One?
Replies: 25
Views: 2727

Re: Too Many Monthly Digital Subscriptions - Time for Apple One?

I didn't realize News+ includes the WaPo and WSJ, that greatly increases the appeal to me. I was incorrect. Here’s what is included in Apple News+ : “ Along with more than 300 magazines, Apple News+ includes paywalled subscription content from the following newspapers: The Wall Street Journal, Los ...
by drummerboy
Wed Sep 16, 2020 8:06 am
Forum: Personal Consumer Issues
Topic: Coping with Megacorp rat race
Replies: 168
Views: 17098

Re: Coping with Megacorp rat race

It's hard to understand what you have until you sample something else. I've worked at MegaCorps, a federal contractor, startups, and (now) for myself. Each have their advantages and disadvantages: I didn't understand the value of working for and with people I like until I worked for and with people...
by drummerboy
Wed Sep 16, 2020 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Potential Retirement Relocation - Tampa, Clearwater Florida area
Replies: 13
Views: 1114

Re: Potential Retirement Relocation - Tampa, Clearwater Florida area

Flood insurance is a must for the locations near the ocean. Humility101 Please can you explain, whether we do need to purchase the flood insurance or I read somewhere there is no flood insurance, so we are on our own if there is a flood ? Researching this topic. Here's some helpful information rega...
by drummerboy
Wed Sep 16, 2020 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Potential Retirement Relocation - Tampa, Clearwater Florida area
Replies: 13
Views: 1114

Re: Potential Retirement Relocation - Tampa, Clearwater Florida area

Other friends suggest north of Orlando such as Lake Mary as well... Florida is a big state. What do you like to do? What are you wanting to fill your days with during your (early) retirement? That will dictate where you should look. Lake Mary compared to St. Petersburg compared to Delray Beach are ...
by drummerboy
Tue Sep 15, 2020 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Potential Retirement Relocation - Tampa, Clearwater Florida area
Replies: 13
Views: 1114

Re: Potential Retirement Relocation - Tampa, Clearwater Florida area

I lived in Tampa for 20 years. It's a nice area. YES, you should consider Flood Insurance. Some locations it is either expensive or doesn't cover much of what you need. Do your homework. Hurricanes are a very real thing. Expect one a year that is too close for comfort. Tampa hasn't been hit by a dir...
by drummerboy
Tue Sep 15, 2020 7:29 pm
Forum: Personal Consumer Issues
Topic: Too Many Monthly Digital Subscriptions - Time for Apple One?
Replies: 25
Views: 2727

Re: Too Many Monthly Digital Subscriptions - Time for Apple One?

I dropped YouTube TV. The AppleOne bundle makes sense (with Fitness) for my family. I'm already paying for the 2TB storage tier and AppleMusic Family. Apple News+ does not have the New York Times, but it does have the Washington Post and the WSJ. We now use the Channels app on our AppleTV and iPad. ...
by drummerboy
Wed Aug 26, 2020 9:29 pm
Forum: Personal Consumer Issues
Topic: password manager for a couple
Replies: 16
Views: 1239

Re: password manager for a couple

1Password. Easy to use. Share with each other through their secure cloud.
by drummerboy
Wed Aug 26, 2020 9:24 pm
Forum: Personal Consumer Issues
Topic: Question about Password Managers
Replies: 74
Views: 3955

Re: Question about Password Managers

LastPass does far better on the paid side is there password checkups, that's the one big knock I have on 1Password is it doesn't have anything like that. Once you start using the password checkup tools it's an eye opener just how bad your various passwords are. 1Password does have a feature like th...
by drummerboy
Wed Aug 26, 2020 6:41 pm
Forum: Personal Consumer Issues
Topic: Question about Password Managers
Replies: 74
Views: 3955

Re: Question about Password Managers

Many hacks occur because many people use the same id and password for different sites. So, assume Target or Sports Illustrated get hacked and thousands of id/password pairs get taken. The hackers then run those id/password pairs against, for instance, a thousand known major sites - e.g. banks, brok...
by drummerboy
Wed Aug 26, 2020 6:21 pm
Forum: Investing - Theory, News & General
Topic: Salesforce Price Run-Up Challenges DJIA Selection
Replies: 8
Views: 858

Re: Salesforce Price Run-Up Challenges DJIA Selection

I used to pay attention to the Dow. I don't anymore. Now that I own a broad-based market-cap weighted fund, I just let it ride and don't worry if I'm missing something.
by drummerboy
Fri Aug 07, 2020 6:57 pm
Forum: Personal Consumer Issues
Topic: Any Chase Sapphire Reserve cardholders planning on cancelling?
Replies: 93
Views: 10004

Re: Any Chase Sapphire Reserve cardholders planning on cancelling?

I think I'll replace it with an Amex Gold. That's what I ended up doing (plus Bank of America Preferred Rewards). Amex Gold - Groceries and Dining 4% (but that uplifts when I typically transfer to Delta and get 1.3 to 1.7 per point in value) BofA Cash Rewards - 5.25% on specific categories (Online ...
by drummerboy
Mon Aug 03, 2020 7:26 am
Forum: Personal Consumer Issues
Topic: Any Chase Sapphire Reserve cardholders planning on cancelling?
Replies: 93
Views: 10004

Re: Any Chase Sapphire Reserve cardholders planning on cancelling?

I wish the CSR would keep the 5% on Groceries forever. That would change my mind. I agree. The CSR only had the 5% on groceries for May and June. The CSR's 5% categories for the third quarter are not useful to me. More groceries would have been better. We won't know the fourth quarter until late Se...
by drummerboy
Sun Aug 02, 2020 6:29 pm
Forum: Personal Consumer Issues
Topic: Any Chase Sapphire Reserve cardholders planning on cancelling?
Replies: 93
Views: 10004

Re: Any Chase Sapphire Reserve cardholders planning on cancelling?

Downgrading ours to a Freedom card when it comes up for renewal in November. BofA Premium Rewards is turning out to be much more lucrative.

I wish the CSR would keep the 5% on Groceries forever. That would change my mind.
by drummerboy
Fri Jul 31, 2020 9:27 pm
Forum: Investing - Theory, News & General
Topic: Disappointed with Fidelity's Online Interface
Replies: 87
Views: 10374

Re: Disappointed with Fidelity's Online Interface

If I had to rank them: Schwab has the cleanest account interface. Their menu structure is a bit confusing to find what you want to research, but it is clean and easy to read, find cost basis, etc. Nice Mobile App too. Fidelity. A bit busy, but overall it works. NetBenefits (for 401k) is another stor...