Bogleheads.org

Gadget

but maybe it's time to elect/create some new mods who sole focus is to keep crypto threads on topic? Easier to just ban crypto threads probably. We don't have threads dedicated to gambling at Vegas either. Or, if we could just ban one specific person from crypto threads, we could have a reasonable ...

Gadget

But also, what if crypto becomes the main currency on "the dark web"? What's the currency of choice on the dark web now? If we have to ask ... we don't have to know ;-). :? :? Monero. It's the only truly anonymous crypto (assuming they coded it right). It's the one I could see govs bannin...

Gadget

Nothing really except the threat of law, same as most other companies, as well as whatever security features a company has in place. That's why many hardened crypto investors do not keep their crypto on an exchange. You may have heard the phrase "not your keys, not your crypto", it refers...

Gadget

You'll get a healthy dose of skepticism from bogleheads when discussing crypto. If you want to learn about it without the negative slant, you probably need to read on reddit. I'd start with https://www.reddit.com/r/BitcoinBeginners/ and move to https://www.reddit.com/r/CryptoCurrency/. It's hard to ...

Gadget

There are usually local dealers that can handle alarm.com equipment. You'll have to ask up front; alarm.com licensing costs are normally higher than their "advertised" rates. Alarm.com is a good hardware system, but it's also one of the most expensive. If starting from scratch, I'd much ra...

Gadget

The real crypto community despises Dogecoin even more than most bogleheads despise crypto. They all know it is a giant pump and dump scheme by select whales with no pretense at ever having functional value. If Dogecoin has some bug in its code, there are no developers working on it to fix it. And it...

Gadget

I thought one of the great ideals of crypto is that you don't deal with banks and their fees? Is overpaying transaction fees to use a digital "coin" somehow better than using venmo/paypal/etc? I don't understand this and continue to sit by dumbfounded while more people pour money into &qu...

Gadget

if bitcoin goes to $1million, how much would COIN go up? COIN makes money off buy/sell transactions. So I'm guessing speculators will make COIN related to the price of bitcoin, but not fully correlated. If it was perfectly correlated, then COIN would be something like a $10+ trillion company when b...

Gadget

Volume seems crazy small. I think only the janitor is selling shares right now. Will likely make the price pretty volatile.

Gadget

Vanguard came through and I got some at $381. The valuation isn't extreme if you annualize 1Q results. I expect they'll do big things. I agree if that's all you look at. Their revenue is insane. But almost all their revenue comes from fees charged. If a major player like Fidelity enters the space a...

Gadget

The losing money in one account, to gain in another, starts to sound an awful lot like a wash sale, especially when you own both sides of the trade. Regards, The wash sale rule only prevents you from claiming the loss. It does not make the transaction itself prohibited. That's not to say that what ...

Gadget

I moved all my Roth IRAs and taxable accounts from Vanguard to Fidelity last year. I like Fidelity a lot better. I love the CMA account and have been using it for a few years now. In higher interest rate environments, the money market yields on CMA were great. It sounds like you don't like the Fidel...

Gadget

*Requires annual flushes and 5 year full maintenance - Not too big a deal, but is more than I do with the tanks FWIW tank-style water heaters require annual flushing too. Many plumbing pros recommend even shorter intervals, such as every 6 months. Sediment buildup is more likely to occur in a tank ...

Gadget

We've had a Rinai tankless for about 12 years now. No issues other than it doesn't work when power goes out. Overall I'd do the same if building a new house from scratch. I think it saves us about $20/month when I did the math comparison of natural gas bills. It's pretty convenient having endless ho...

Gadget

If you are comparing cable TV channels to 4k Netflix, Disney+, or HBO Max (or some other 4k streaming service), you'll never be happy. They just can't compare. And if you have dolby atmos or some good sound setup, the streaming services get even better compared to cable TV channels. To be fair, Yout...

Gadget

Very disappointing March 19th, we were promise the mother of all squeeze but nothing. I sold my 10 shares for $20 profit, just enough to pay for the next 6 months of netflix aftertax. Hopefully in time for the movie/tv serie. :wink: By my rough analysis, fair value of GME is $238,855. I derived thi...

Gadget

I didn't realize they were going to be used for travel or anything official. Mine doesn't seem to have any useful info other than name, birthday, date, and vaccination site. Seems pretty easy to forge.

I'll have to take a picture, burn the physical card, and sell it as an NFT for $1million.

Gadget

Very disappointing March 19th, we were promise the mother of all squeeze but nothing. I sold my 10 shares for $20 profit, just enough to pay for the next 6 months of netflix aftertax. Hopefully in time for the movie/tv serie. :wink: By my rough analysis, fair value of GME is $238,855. I derived thi...

Gadget

With the understanding that I've been wrong about just about everything... here's my expectation: Courts will decide that NFT marketplaces are illegal lotteries. I'm confused. Are the same NFTs being sold and resold like crypto/stocks? I was under the impression they were just being auctioned and b...

Gadget

Very disappointing March 19th, we were promise the mother of all squeeze but nothing. I sold my 10 shares for $20 profit, just enough to pay for the next 6 months of netflix aftertax. Hopefully in time for the movie/tv serie. :wink: By my rough analysis, fair value of GME is $238,855. I derived thi...

Gadget

With the understanding that I've been wrong about just about everything... here's my expectation: Courts will decide that NFT marketplaces are illegal lotteries. I'm confused. Are the same NFTs being sold and resold like crypto/stocks? I was under the impression they were just being auctioned and b...

Gadget

I've seen a few comments on the net on NFTs. Apparently they are a more serious investment than Bitcoin. Anyone invest in them and what are your thoughts on them? I liquidity provide on automated market makers AMM like uniswap, I stake synthetix and create synthetic sUSD debt for making derivati...

Gadget

I feel like NFTs are just a way for nerds with giant crypto fortunes to "make it rain" on worthless things. I highly doubt most think it's an actual investment. You see new pro athletes or lotto winners do the same thing sometimes, just in less nerdy things. It's likely bullish for ETH bec...

Gadget

I subscribed to Motley Fool this year because my Amex card had a deal that basically paid for the entire thing. It was 50% off from fool, and Amex paid the rest. It is mildly interesting. Sometimes it brings up some info on interesting companies I haven't heard of. I don't personally feel like it is...

Gadget

Not mine, I bought Enjin Coin for 22 cents and it's now flirting with $3 per coin!! I also bought Mana Coin for 18 cents and it's over a dollar per coin. I need to talk with you more. My Alt Coins all suck lately. ADA AAVE Don't talk to me then. I also have some Ada and AAVE as my only two non BTC/...

Gadget

The SPAC bubble has mostly burst recently. Have your friends done this before? Why would institutions buy into their team? Most sucessful SPAC teams have major industry players involved that are already rich and have been on similar projects. Unless you count the random ones being promoted by celebr...

Gadget

With btc sending fees so high, is it actually better if you hold btc in an exchange and sell it for litecoin or usdt/usdc and then send litecoin or usdt/usdc to coinbase or gemini and then sell for fiat and then cash out to your US bank account? Now if you have the option to choose receiving btc or...

Gadget

https://youtu.be/Zz6RK361Gxo The above video is an excellent argument in favor of old seasoned retired investors like us buying and holding perhaps 5% of port in bitcoin. I'd like to know what other veteran non-USA investors think about it. If you asked me about my opinion regarding Bitcoin before ...

Gadget

I thought about crypto for a bit but after realizing that I would need to open an account elsewhere decided against it. Also look closely at commissions and also whether you can move assets without incurring a tax hit. You really just need one account at a major exchange like Coinbase. There is no ...

Gadget

I'm personally doing I Bonds for my spouse and I. But our taxable account is large enough that we don't really need an emergency fund, so the calculus may be a bit different for each individual. If I was still building up an emergency fund, or wasn't able to max my tax advantaged accounts, I'd proba...

Gadget

I realize that's what they "clarified" in the FAQ. But to me, if that was the case, they should have asked "I received cryptocurrency via staking or interest rewards in virtual currency, exchanged one virtual currency for another, or sold any virtual currency for USD." Or someth...

Gadget

I'm a little confused on your timing. If you bought these tech stocks in 2020, aren't they still way up? Even if they are down a lot in the last 2 weeks? You might be realizing that you shouldn't be 100% in stocks. It sounds like you don't like the volatility. From my perspective, if all my cash was...

Gadget

The IRS FAQ seems to say one thing, and the question seems to say another. I have no idea how any lawyer looking at the question could think "I received, sold, sent, exchanged, or otherwise acquired any interest in virtual currency" could mean that if you bought crypto with USD, you could...

Gadget

The IRS FAQ seems to say one thing, and the question seems to say another. I have no idea how any lawyer looking at the question could think "I received, sold, sent, exchanged, or otherwise acquired any interest in virtual currency" could mean that if you bought crypto with USD, you could ...

Gadget

I don't see how Sofi is any different than Robinhood really. I also don't see how it has any advantages over Fidelity other than prettier app (which is subjective). Fidelity has a lot of advantages over Sofi. If you were going to be in Robinhood anyway, go for Sofi. If you're comparing Sofi to Fidel...

Gadget

Cool. I started the other thread on blockfi/celsius. I find Alex Mashinski of Celsius to be an interesting guy. I use both. Using a decentralized insurance is not a bad idea. I am also using compound, aave, and yearn. Yearn pays the most. I’m an investor in Yearn as well. They have $1B locked in th...

Gadget

The funds will show up in your brokeragelink account the next day and you can place the buy order for the funds on that day. So you have to wait an extra day, compared to just exchanging it to another fund available in your 401k. Any future transfers from your core 401k account will still have the ...

Gadget

The Bitwarden trackers sort of make sense to me. Google and MS trackers. Not good for privacy advocates, but most likely harmless.

The Lastpass trackers are more like red flags. I'm not sure there is a good justification to those other than more income stream for Lastpass.

Gadget

2) There is a subset of people who strongly believe in the value of decentralized finance. They are some of the staunches proponents of bitcoin and the alternative currencies. [/quote] Do many bitcoin proponents really believe in decentralized finance? I would think everyone who believes in decentr...

Gadget

You don't really specify your age. I'm pretty pro bitcoin/crypto, but you make it sound like you're already retired or close to it when you talk about seasoned investors. I think your investing horizon needs to be on the longer side to invest in crypto. It's super volatile. If you're already retired...

Gadget

I logged into Vanguard and might see my issue. They deleted all my accounts... I didn't have any funds in my accounts since I transferred everything to Fidelity. But the accounts have been open with a 0 balance for months. But they just recently (past month or two, not sure when I last logged in?) d...

Gadget

In addition to LadyGeek's WallStreetBets slang guide , it is possibly worth noting their banner image (as obtained from Wikipedia to avoid linking to the actual forum), because more than one Bogleheads poster makes use it in their avatars, and presumably expects it to be recognized. If anyone knows...

Gadget

Interesting that GME's is possible be the most commented thread in the history of Bogleheads. If not the “most commented”, maybe the “fastest commented”? The thread is now 38 days old, with over 4000 posts. That’s over 100 per day. Whew! Boglehead GME post count to the moon. It will likely beat GME...

Gadget

I just opened accounts with BlockFi and Nexo last week. My analysis: - because of the lack of FDIC insurance, the max loss is 100% - if instead of in stablecoins, you invest in bitcoin/ethereum and transfer it out of BlockFi/Celsius/Nexo and into your own wallet, the max loss is probably a lot less...

Gadget

:?: Anyone able to import a Vanguard 1099-B into Turbotax yet? 1099-Div has been working for weeks but 1099B does not yet appear on my list of imported documents in Turbotax even though it has been available on Vangurad.com since February 14. :?: Also, I have the installed version of Turbotax if an...

Gadget

This might be of interest to people with password managers: https://www.theverge.com/2021/2/26/22302709/lastpass-android-app-trackers-security-research-privacy Looks like Lastpass has 7 trackers. Bitwarden has 2. Roboform and Dashlane have 4. Only 1Password has zero. I was surprised Bitwarden had 2....

Gadget

Is coinbase pro still the best place to sell btc for money to your US bank account. Im abroad most of the year. I don't understand all the hate towards Coinbase Pro on crypto forums. In my experience, it seems to work the best and is the easiest to use for my normal use cases. I signed up to all th...

Gadget

Thoughts on this and celcius/nexo? I mean that seem ridiculous they are paying this percent percent interest. I mean someone with a million dollars could earn 6 figures in usdc/stablecoin without caring about fluctuation. I use Celsius, I’d be fine with nexo and then blockfi in a distant third. Int...

Gadget

I hope someone more expert than me will chime in. I'm neither a tax expert nor a speculator in cryptocurrencies. However, I thought I had read that gains (profits) on cryptocurrrencies (or other currencies, for that matter) are not considered long-term capital gains by the IRS, no matter how long t...

Gadget

If you're poor, you can sell a decent chunk of bitcoin without paying hardly anything in long term capital gains taxes (0%). If you’re poor? LOL For singles the 0% long term capital gains rate extends to $40,400 above the $12,550 standard deduction. For married joint filers, those numbers are doubl...

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