Search found 248 matches

by Kompass
Thu Jan 21, 2021 1:24 pm
Forum: Investing - Theory, News & General
Topic: Tracking my ARK / Bitcoin - non-Boglehead portfolio
Replies: 181
Views: 15885

Re: Tracking my ARK / Bitcoin - non-Boglehead portfolio

I would warn you about ARK the fund has been getting lot of inflows this year. Active management does not do well with scalability where the more money the strategy has the less alpha the strategy produces. If you want to get keep getting higher returns than Index use UPRO/SSO ETF or Index Futures ...
by Kompass
Tue Jan 19, 2021 2:32 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2753
Views: 274148

Re: [What TV Show Have You Recently Watched?]

bengal22 wrote: Mon Jan 18, 2021 10:35 pm Watching "Pretend it's a City" a netflix 7 part series directed by Martin Scorsese. Funny and a great look at N Y C.
+1 savoring one episode a day
by Kompass
Wed Jan 06, 2021 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: How do you pay your taxes? Check or EFTPS?
Replies: 80
Views: 4818

Re: How do you pay your taxes? Check or EFTPS?

I have checking and HYSA at Ally, it was easy to set up a separate savings account that I just use solely for taxes. My accountant sets up the EFTPS for me and just tells me how much to have in that account, it earns as much interest as regular savings account and I don't worry about missing any da...
by Kompass
Tue Jan 05, 2021 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: How do you pay your taxes? Check or EFTPS?
Replies: 80
Views: 4818

Re: How do you pay your taxes? Check or EFTPS?

I have checking and HYSA at Ally, it was easy to set up a separate savings account that I just use solely for taxes. My accountant sets up the EFTPS for me and just tells me how much to have in that account, it earns as much interest as regular savings account and I don't worry about missing any dat...
by Kompass
Tue Jan 05, 2021 2:56 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1566
Views: 93617

Re: What are you listening to now

Here's a great timeless video song that will bring back memories, or smoky foggy memories, to some here. (enter the time machine. . . . ) :D :D "Oliver: Good Morning StarShine" (click on youtube video/music link below and it will play) https://www.youtube.com/watch?v=whmzEXywq40 j :D What...
by Kompass
Sun Jan 03, 2021 6:39 pm
Forum: Personal Consumer Issues
Topic: LED Bulbs That Stay Warm (Color) When Dimmed
Replies: 16
Views: 1200

Re: LED Bulbs That Stay Warm (Color) When Dimmed

https://smile.amazon.com/Philips-LED-Dimmable-Frosted-Effect/dp/B014392H0O/ref=sr_1_2?dchild=1&keywords=philips+warm+glow+br30&qid=1609710003&sr=8-2 Have Warm Glow bullet-shaped in the bathroom as well. They work well. I used these when adding can lights to a living room which was next ...
by Kompass
Thu Dec 31, 2020 3:56 pm
Forum: Personal Investments
Topic: End of year actions?
Replies: 3
Views: 507

Re: End of year actions?

Tax free gifting
DAF funding
HSA contributions (if not already done, and do next years tomorrow)
by Kompass
Wed Dec 30, 2020 3:28 pm
Forum: Forum Issues and Administration
Topic: Time to give to this website
Replies: 91
Views: 8794

Re: Time to give to this website

Six years ago I inherited a large sum and while my father was what I now know would be an absolute Boglehead and taught me the basics of LBYM, Invest and be patient, I was in no way prepared for his estate and all that would entail. I am thankful that I found this community right away and have benef...
by Kompass
Sun Dec 27, 2020 9:40 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2753
Views: 274148

Re: [What TV Show Have You Recently Watched?]

Nicolas wrote: Sun Dec 27, 2020 8:55 pm Midnight Diner: Tokyo Stories (2016 —) On Netflix
An anthology of human relationship stories connected by the only open-in-the-wee-hours diner the characters frequent. Resolutions are often facilitated by the owner/chef.

Recommended.
I really enjoyed this as well.
by Kompass
Fri Dec 25, 2020 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: California Property Taxes
Replies: 28
Views: 1853

Re: California Property Taxes

Got hit with this too, previous owners (20yr) $4k, me $16k. At least in ten years I can be happy about it and take my rate with me if I move within state, part of the plan. It's interesting. You pay more times for your kids to go to school than your neighbors. And if you are just starting your care...
by Kompass
Fri Dec 25, 2020 6:23 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6558
Views: 1450725

Re: What Movie Have You Recently Watched?

Blues wrote: Fri Dec 25, 2020 5:18 pm Three strikes and you're out. :sharebeer
Good catch! :beer
by Kompass
Fri Dec 25, 2020 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: California Property Taxes
Replies: 28
Views: 1853

Re: California Property Taxes

Got hit with this too, previous owners (20yr) $4k, me $16k.

At least in ten years I can be happy about it and take my rate with me if I move within state, part of the plan.
by Kompass
Wed Dec 23, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: Favorite youtube channels?
Replies: 111
Views: 12603

Re: Favorite youtube channels?

Deleted duplicate
by Kompass
Wed Dec 23, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: Favorite youtube channels?
Replies: 111
Views: 12603

Re: Favorite youtube channels?

Undecided with Matt Ferrell Exploring how technology impacts our lives This fellow has a high degree of interest in everything from EV, next generation power generation, solar everything, and smart home technology. Lots of how to and gear reviews for home technology and follow ups on his own experie...
by Kompass
Tue Dec 15, 2020 3:56 pm
Forum: Personal Consumer Issues
Topic: Luxury clothes
Replies: 146
Views: 11515

Re: Luxury clothes

If you think you're better than someone else because you have nicer clothes than they do, you're a jerk. If you think you're better than someone else because you only wear inexpensive clothes, you're also a jerk. +1 Reminds me of the old Dr Seuss story about Sneetches with stars on their bellies vs...
by Kompass
Thu Dec 10, 2020 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: If your net worth were the following amounts, how much real estate would you own?
Replies: 142
Views: 9975

Re: If your net worth were the following amounts, how much real estate would you own?

There are differences other than size that drive the $$ allocated. I would rather have a small home in a fantastic location, many (most) seem to think bigger is better. If you live where others vacation then your primary home is serving two purposes.
by Kompass
Thu Dec 10, 2020 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: If your net worth were the following amounts, how much real estate would you own?
Replies: 142
Views: 9975

Re: If your net worth were the following amounts, how much real estate would you own?

I went through this exercise myself a couple of years ago as I wanted a nicer home for myself and wanted to treat it as a diversifier. I consider paid for real estate in a desirable area to be a store of value, (just for me, most here would disagree). I came to the conclusion that 15% is what I am c...
by Kompass
Wed Dec 09, 2020 3:11 pm
Forum: Personal Investments
Topic: IRA RMD convert to Roth
Replies: 10
Views: 517

Re: IRA RMD convert to Roth

I appreciate this, I converted all of my own IRA funds in previous years and believed I could not do anymore. I had hoped this this year might be an exception. I now question my CPA. I believe this is the link to the article, it is poorly written. https://www.barrons.com/articles/time-is-running-ou...
by Kompass
Wed Dec 09, 2020 3:07 pm
Forum: Personal Investments
Topic: IRA RMD convert to Roth
Replies: 10
Views: 517

Re: IRA RMD convert to Roth

Assuming this is a non-spousal inherited IRA, I am 99.9% sure that you simply cannot convert an inherited IRA to Roth, this year or any other year. Maybe your CPA didn't realize you were asking about an inherited IRA? If it was a Traditional (non-inherited) IRA, then yes you could take the amount t...
by Kompass
Wed Dec 09, 2020 3:03 pm
Forum: Personal Investments
Topic: IRA RMD convert to Roth
Replies: 10
Views: 517

Re: IRA RMD convert to Roth

I saw an article from Barron's the other day indicating that this year an IRA RMD could be converted to Roth Strictly speaking that’s incorrect. This year there is simply no RMD, so any money you take out of the IRA can be converted to Roth. In a normal year, of course, you have to take out your RM...
by Kompass
Wed Dec 09, 2020 2:59 pm
Forum: Personal Investments
Topic: IRA RMD convert to Roth
Replies: 10
Views: 517

Re: IRA RMD convert to Roth

BogleTaxPro wrote: Wed Dec 09, 2020 2:52 pm Just to be perfectly clear...you cannot convert an inherited IRA to Roth, this year or any other year.
This was my previous understanding, hence my question. Thank you
by Kompass
Wed Dec 09, 2020 2:57 pm
Forum: Personal Investments
Topic: IRA RMD convert to Roth
Replies: 10
Views: 517

Re: IRA RMD convert to Roth

Assuming this is a non-spousal inherited IRA, I am 99.9% sure that you simply cannot convert an inherited IRA to Roth, this year or any other year. Maybe your CPA didn't realize you were asking about an inherited IRA? If it was a Traditional (non-inherited) IRA, then yes you could take the amount t...
by Kompass
Wed Dec 09, 2020 2:20 pm
Forum: Personal Investments
Topic: IRA RMD convert to Roth
Replies: 10
Views: 517

IRA RMD convert to Roth

I saw an article from Barron's the other day indicating that this year an IRA RMD could be converted to Roth and asked my CPA if it would apply to me with an inherited IRA, the answer was affirmative so long as I used trustee to trustee transfer. I forgot to ask about total amount and they are out o...
by Kompass
Tue Dec 08, 2020 1:38 pm
Forum: Personal Investments
Topic: Vanguard Annuity Transition to Transamerica
Replies: 190
Views: 14403

Re: Vanguard Annuity Transition to Transamerica

Yikes! Very glad I got Mother out of this in January. Best of luck to all.
by Kompass
Sun Dec 06, 2020 4:30 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 626
Views: 85768

Re: What lifestyle creep made you happier?

Occasionally I consider how much more pleasant life would have been if I was born later. I find myself engaging in this as well....I entered my career field in the 1980s...it was a male dominated field until sometime after 2000...now it's about even numbers....but those 20 years were often a minefi...
by Kompass
Sat Dec 05, 2020 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance
Replies: 5
Views: 731

Re: Health ins

Depending upon what county you live in your choices may be limited. I buy my own insurance without any employer or subsidies and in the county I live in in California there’s only one company that will sell health insurance to an individual. Makes for an easy selection.
by Kompass
Thu Dec 03, 2020 8:03 pm
Forum: Personal Consumer Issues
Topic: Tesla Solar Shingles
Replies: 5
Views: 877

Re: Tesla Solar Shingles

Me three!
by Kompass
Tue Dec 01, 2020 10:32 pm
Forum: Personal Investments
Topic: Change from lifestrategy to vanguard advisor?
Replies: 13
Views: 1425

Re: Change from lifestrategy to vanguard advisor?

If the purpose of the advisor is to provide emotional support then maybe. If it’s to provide a cookie cutter portfolio like Lifestrategy moderate growth, then no. I agree with this. I did it the opposite way, tried PAS for about a year and then switched to Lifestrategy since for me it was basically...
by Kompass
Tue Dec 01, 2020 6:40 pm
Forum: Personal Investments
Topic: Inherited Trust Fund Question
Replies: 6
Views: 823

Re: Inherited Trust Fund Question

I don't even know if this is possible, so I guess I am looking for anyone who may have inherited an irrevocable trust and knows a little bit about their options. The bank is providing me with paperwork to sign but I don't want to sign myself into a corner. Don’t sign anything until you understand q...
by Kompass
Tue Dec 01, 2020 6:26 pm
Forum: Personal Consumer Issues
Topic: Easy to empty vacuum cleaners
Replies: 36
Views: 1285

Re: Easy to empty vacuum cleaners

Another vote for using a vacuum with a bag. I use a Miele vacuum which has a HEPA filter bag as well as a second separate HEPA filter and a charcoal filter so that the house doesn’t smell like “vacuum“ when you are done. The bags are not cheap but I use a vacuum to clean up dust and dirt, not just r...
by Kompass
Mon Nov 30, 2020 1:55 pm
Forum: Personal Investments
Topic: Advice on cashing out of variable annuities?
Replies: 20
Views: 1368

Re: Advice on cashing out of variable annuities?

Since I only dealt with non-qualified contracts I will defer to stinky.
by Kompass
Mon Nov 30, 2020 1:53 pm
Forum: Personal Consumer Issues
Topic: Netflix - New Way Of Throttling [DVDs]?
Replies: 94
Views: 16392

Re: Netflix - New Way Of Throttling [DVDs]?

CO Reisident here. One thing I've noticed since Netflix closed their Denver distribution center is that I am receiving cracked discs about once a month. This was very rare in the past. I have to believe the longer path through USPS is the cause of this. I noticed this about two years ago, 50% or mo...
by Kompass
Mon Nov 30, 2020 10:21 am
Forum: Personal Consumer Issues
Topic: iPhone photography - lens add ons
Replies: 14
Views: 1061

Re: iPhone photography - lens add ons

Having said that my only advice would be don't buy anything you can't return for a full refund and the best bit of cell photography aid I ever found was a remote shutter actuator. Keeping a camera still while having to push on it to take the image is self defeating. I have used these https://www.eb...
by Kompass
Sun Nov 29, 2020 5:29 pm
Forum: Personal Investments
Topic: Advice on cashing out of variable annuities?
Replies: 20
Views: 1368

Re: Advice on cashing out of variable annuities?

There are a couple of things that I neglected to mention in my earlier post as it relates to cashing out. The other downstream effect of cashing out beyond the taxes that need to be paid for non-qualified contracts is that the increase in taxable income can of course trigger other expenses. In my m...
by Kompass
Sun Nov 29, 2020 3:23 pm
Forum: Personal Investments
Topic: Advice on cashing out of variable annuities?
Replies: 20
Views: 1368

Re: Advice on cashing out of variable annuities?

There are a couple of things that I neglected to mention in my earlier post as it relates to cashing out. The other downstream effect of cashing out beyond the taxes that need to be paid for non-qualified contracts is that the increase in taxable income can of course trigger other expenses. In my mo...
by Kompass
Fri Nov 27, 2020 6:44 pm
Forum: Personal Consumer Issues
Topic: Bogleheadish lessons/fables for grade school.
Replies: 3
Views: 393

Re: Bogleheadish lessons/fables for grade school.

“The Richest Man in Babylon”, there are versions of this geared towards different age groups.
by Kompass
Fri Nov 27, 2020 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Book on Estate Planning - Wills and Trusts
Replies: 12
Views: 1265

Re: Book on Estate Planning - Wills and Trusts

I am currently reading “Understanding Living Trusts” updated for 2019 written by Vicky Schumacher.
So far seems like a good primer on basics for the living trust portion of planning. As a solo ager the “while I’m alive” part of planning is as important if not more so than estate planning.
by Kompass
Fri Nov 27, 2020 12:22 pm
Forum: Personal Investments
Topic: Advice on cashing out of variable annuities?
Replies: 20
Views: 1368

Re: Advice on cashing out of variable annuities?

There may be another option that I have not seen yet. I had a similar situation with my mother who had two non-qualified annuities, one at Lincoln and one at Vanguard purchased in 1990. When I investigated what to do with them I discovered an option at Lincoln to change how it was held from indexed ...
by Kompass
Sat Nov 21, 2020 9:39 pm
Forum: Personal Consumer Issues
Topic: What charity are you donating to this Christmas season?
Replies: 145
Views: 6291

Re: What charity are you donating to this Christmas season?

A local collective that supports Southern California wetlands restoration projects.

I give my mothers caregivers generous end of year bonuses.

Tipping household help as well.

Still considering where else to give, glad to see this thread for ideas.
by Kompass
Fri Nov 20, 2020 3:18 pm
Forum: Investing - Theory, News & General
Topic: Fed up With Flagship
Replies: 291
Views: 20243

Re: Fed up With Flagship

HomeStretch wrote: Fri Nov 20, 2020 3:13 pm
1210sda wrote: Fri Nov 20, 2020 3:06 pm Are the Lifestrategy funds available at Fidelity or Schwab?
I believe you can purchase the Vanguard LifeStrategy funds at Fidelity for a $75 fee. No fee to sell.
When I transferred my Lifestrategy from Vanguard to Fidelity the fee was picked up by Fidelity.
by Kompass
Tue Nov 17, 2020 4:08 pm
Forum: Investing - Theory, News & General
Topic: Fed up With Flagship
Replies: 291
Views: 20243

Re: Fed up With Flagship

Almost two years ago, people were annoyed at Vanguard for eliminated their Advantage service. Since then, they've also eliminated personal reps. Although there's still a special flagship support phone number, the wait times and rep cluelessness make me suspect it's all one big pot of customer servi...
by Kompass
Sat Nov 14, 2020 1:24 pm
Forum: Personal Consumer Issues
Topic: NJ POLST versus Advance Directive
Replies: 12
Views: 693

Re: NJ POLST versus Advance Directive

There is also a program widely recognized called "Vial of Life", which would involve placing a symbol on the door, and placing the forms directing care in the refrigerator (usually). I think you mean on the fridge, but I'm not a paramedic. OP I think it's also good to have an estate attor...
by Kompass
Tue Nov 03, 2020 6:19 pm
Forum: Personal Consumer Issues
Topic: House cleaner insurance needed?
Replies: 9
Views: 1466

Re: House cleaner insurance needed?

In CA my HO policy covers it and my umbrella extends that coverage, it's some sort of workmen's comp. When I lived in ID it did not and I was cautioned by my insurance agent not to hire someone who did not have their own. I use individuals so that they can get used to my quirks as to how I want thin...
by Kompass
Sun Nov 01, 2020 9:34 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4089
Views: 325154

Re: Coronavirus and the market

I don't think a vaccine matters all that much one way the other. With so many efforts underway, surely some sort of vaccine is coming. It may be a bit sooner or later, and who knows how effective it will be, how many people will get it, etc. I think what will matter more is how many businesses will...
by Kompass
Tue Oct 27, 2020 2:57 pm
Forum: Personal Consumer Issues
Topic: What medical cards do you need to carry around in your wallet?
Replies: 56
Views: 15251

Re: What medical cards do you need to carry around in your wallet?

This year my medical insurance renewal notice informed me that they will no longer be providing physical cards. Every doctor I’ve seen for the last few years wants me to produce a physical card along with my drivers license before treating me. I wonder how that will work going forward?
by Kompass
Tue Oct 27, 2020 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Last person standing. Estate plan dilema.
Replies: 46
Views: 4590

Re: Last person standing. Estate plan dilema.

I am in the same position and will be very interested in the discussion. Thank you for posting this.
by Kompass
Wed Oct 21, 2020 1:37 pm
Forum: Personal Consumer Issues
Topic: Ideal City to live in?
Replies: 160
Views: 11802

Re: Ideal City to live in?

Pretty much anywhere along the coastal edge of the west coast will tic most of your boxes. All of the metro areas will be expensive with the Bay Area, Seattle and LA being the worst. As someone who lived in Seattle metro for 40 years, Bay Area for 10 years, and recently relocated to San Diego Count...
by Kompass
Wed Oct 21, 2020 1:03 pm
Forum: Personal Consumer Issues
Topic: Ideal City to live in?
Replies: 160
Views: 11802

Re: Ideal City to live in?

Pretty much anywhere along the coastal edge of the west coast will tic most of your boxes. All of the metro areas will be expensive with the Bay Area, Seattle and LA being the worst. As someone who lived in Seattle metro for 40 years, Bay Area for 10 years, and recently relocated to San Diego County...
by Kompass
Tue Oct 20, 2020 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle at fidelity
Replies: 20
Views: 7946

Re: Zelle at fidelity

From zelle site : “ To enroll with the Zelle app, enter your basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account. We do not accept debit cards associated with international deposit accounts or any credit cards.” Doesn’t...
by Kompass
Tue Oct 20, 2020 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle at fidelity
Replies: 20
Views: 7946

Re: Zelle at fidelity

From zelle site : “ To enroll with the Zelle app, enter your basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account. We do not accept debit cards associated with international deposit accounts or any credit cards.” Doesn’t...