Search found 449 matches

by MrJones
Sun Mar 28, 2021 1:36 am
Forum: Personal Finance (Not Investing)
Topic: Tax Question - Recharacterization Last Year
Replies: 13
Views: 712

Re: Tax Question - Recharacterization Last Year

This should walk you through the whole thing, and is awesomely explained:

https://thefinancebuff.com/how-to-backd ... tware.html
by MrJones
Mon Mar 22, 2021 12:40 pm
Forum: Personal Investments
Topic: Lost all trust in Charles Schwab today
Replies: 5
Views: 2061

Re: Lost all trust in Charles Schwab today

What turned out to be the issue?
by MrJones
Fri Mar 19, 2021 12:15 am
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 242
Views: 23420

Re: What is the BEST thing you spent money on?

abuss368 wrote: Wed Mar 17, 2021 8:02 pm A ring to marry my best friend and awesome wife!

Tony
So rad that they were both cool with it!
by MrJones
Mon Mar 08, 2021 3:04 am
Forum: Personal Consumer Issues
Topic: Leather vs Cloth Car Seats
Replies: 71
Views: 5354

Re: Leather vs Cloth Car Seats

RubyTuesday wrote: Sun Mar 07, 2021 9:50 pm Hate leather. Prefer synthetic. Most luxury brands now have synthetic options that are better than leather
This. High end synthetic looks better, feels way better, and I'm told, lasts longer than leather.
by MrJones
Tue Mar 02, 2021 2:58 am
Forum: Personal Consumer Issues
Topic: Air Purifier
Replies: 37
Views: 2334

Re: Air Purifier

We just received our second Levoit from Amazon. SoCal air and pets required we do something. I was surprised (disgusted :o ) how dirty the filter was after 1 week. https://www.amazon.com/LEVOIT-Allergies-Filtration-Eliminators-LV-H132/dp/B07W9KX55D/ref=asc_df_B07W9KX55D/?tag=hyprod-20&linkCode=...
by MrJones
Mon Mar 01, 2021 3:42 am
Forum: Personal Consumer Issues
Topic: Password manager
Replies: 94
Views: 8164

Re: Password manager

They have a F-Droid build that doesn't have trackers. https://mobileapp.bitwarden.com/fdroid/ They claim these are necessary to be listed on Google play store (see https://community.bitwarden.com/t/remove-embedded-trackers-from-bitwarden/18925), Although I don't understand how 1Password manages to ...
by MrJones
Mon Mar 01, 2021 12:42 am
Forum: Personal Consumer Issues
Topic: Password manager
Replies: 94
Views: 8164

Re: Password manager

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...
by MrJones
Sun Feb 28, 2021 5:35 am
Forum: Personal Consumer Issues
Topic: Password manager
Replies: 94
Views: 8164

Re: Password manager

What happens is whenever I visit a mobile site or app with username/password, there are 3 ways to login: 1) when I click the username field, a little popup overlay is shown to fill with bw. I click that and then select the username (if there are multiple for the site), then bitwarden fills the user...
by MrJones
Tue Feb 23, 2021 6:06 am
Forum: Personal Consumer Issues
Topic: Password manager
Replies: 94
Views: 8164

Re: Password manager

I have all of that enabled. I guess their defintion of "Auto-fill" is that you get a notification to fill the password (either using accessibility service or keyboard suggestion). I was expecting Auto-fill to fill the password with no interaction from my end (kinda like what happens when ...
by MrJones
Mon Feb 22, 2021 5:10 pm
Forum: Personal Consumer Issues
Topic: Password manager
Replies: 94
Views: 8164

Re: Password manager

Hmm.. I've been using bitwarden for a while, I don't think I've seen it autofill a native app. If the app supports biometric, that's the best way to login.. Otherwise I have to click on the notification to have bitwarden fill the password. If the autofill feature is available I'd love to know how t...
by MrJones
Mon Feb 22, 2021 3:32 pm
Forum: Personal Consumer Issues
Topic: Password manager
Replies: 94
Views: 8164

Re: Password manager

One feature I never even considered was auto-filling on mobile. To be honest, I don't even know if Bitwarden has that, because I use the native app on mobile, but I just recently saw a video of someone using LastPass with that feature, and it blew my mind because I find using the Bitwarden app on m...
by MrJones
Mon Feb 22, 2021 1:18 am
Forum: Personal Consumer Issues
Topic: Changes to LastPass free
Replies: 209
Views: 14633

Re: Changes to LastPass free

The opposite is not documented either :). This is where examining the principle helps: in general, open source software with large user bases are more secure for the reasons I mentioned earlier. The openssl heartbleed incident pretty much disproves this theory. Nice try, but that doesn't make basic...
by MrJones
Sun Feb 21, 2021 11:00 pm
Forum: Personal Consumer Issues
Topic: Changes to LastPass free
Replies: 209
Views: 14633

Re: Changes to LastPass free

I do not believe it has been documented anywhere (that I can find) that LP is less secure than BW. They are both considered extremely secure. I have "hardened" LP as best I can by turning off the One Time Password feature in the LP plugin of the browsers(2 - Chrome PC/Chrome Mac) that I u...
by MrJones
Sun Feb 21, 2021 2:09 pm
Forum: Personal Consumer Issues
Topic: Changes to LastPass free
Replies: 209
Views: 14633

Re: Changes to LastPass free

From my earlier post in this thread: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=336180&p=5756966#p5756966 The cool thing about BitWarden is, it's open source. That really matters with anything related to security. It's an obvious conclusion that it's impossible to examine closed s...
by MrJones
Sun Feb 21, 2021 1:39 am
Forum: Personal Finance (Not Investing)
Topic: Making Sense of Healthcare.gov Pricing and Subsidies
Replies: 59
Views: 2989

Re: Making Sense of Healthcare.gov Pricing and Subsidies

To add to this: under ACA, premiums for consumers who are 64 and older are capped at three times the premium for a 21-year-old’s base rate. I thought 65+ was not eligible for ACA plans (but I see now I am wrong). Is there some reason a 65 year old would want to use the ACA Marketplace, instead of M...
by MrJones
Sat Feb 20, 2021 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Making Sense of Healthcare.gov Pricing and Subsidies
Replies: 59
Views: 2989

Re: Making Sense of Healthcare.gov Pricing and Subsidies

Even if things stay the same your premium costs(before the subsidy) will increase as you get older. You may want to use that website to do a dummy inquiry for a 64 year old to see how much they would pay. To add to this: under ACA, premiums for consumers who are 64 and older are capped at three tim...
by MrJones
Thu Feb 18, 2021 3:13 am
Forum: Personal Consumer Issues
Topic: Changes to LastPass free
Replies: 209
Views: 14633

Re: Changes to LastPass free

Switched to BitWarden. Took me about an hour. 5mins to export and import 99%, and the remaining to fix a couple of small import problems on 2 or 3 sites... Were the issues identified as part of the import process? Yes. It's a few months now, I forget the issues, 2 or 3 sites kept failing the import...
by MrJones
Thu Feb 18, 2021 2:53 am
Forum: Personal Consumer Issues
Topic: Changes to LastPass free
Replies: 209
Views: 14633

Re: Changes to LastPass free

Switched to BitWarden. Took me about an hour. 5mins to export and import 99%, and the remaining to fix a couple of small import problems on 2 or 3 sites, and on understanding the differences, including around sharing. Eg: last updated info is not exported (or imported). BitWarden interface for me ha...
by MrJones
Tue Feb 16, 2021 1:15 am
Forum: Personal Investments
Topic: Help: Should I trade muni bond fund for a total bond fund?
Replies: 4
Views: 736

Re: How to compute if I should trade VCADX (CA tax fund) for a non-muni tax fund?

Ah, good to know, thanks, anon_investor. Modified my question to ask how to compute if I should trade it for a total bond market fund.
by MrJones
Mon Feb 15, 2021 7:22 am
Forum: Personal Investments
Topic: Help: Should I trade muni bond fund for a total bond fund?
Replies: 4
Views: 736

Help: Should I trade muni bond fund for a total bond fund?

How to compute if I should trade VCADX (CA tax fund) for a non-muni tax fund? Fed marginal: 24%, CA: 9.3%. How can I compute if I'd be better off selling my VCADX (CA Tax Exempt Bond fund) and buying VBILX (Intermediate-Term Bond Fund) or VBTLX (Total Bond Market) instead? All in taxable, no space e...
by MrJones
Mon Feb 15, 2021 7:06 am
Forum: Personal Investments
Topic: Anyone open an HSA at Schwab?
Replies: 12
Views: 1133

Re: Anyone open an HSA at Schwab?

You can't, because Schwab doesn't offer one directly.

Fidelity does.
by MrJones
Sat Feb 13, 2021 3:27 pm
Forum: Personal Investments
Topic: Confused How to Allocate Between Retirement & Taxable Accts.
Replies: 11
Views: 723

Re: Confused How to Allocate Between Retirement & Taxable Accts.

Total approximate portfolio value? Do you have access to a 401k? Or will your tax-deferred contributions be limited to 6k a year? Are you doing Roth?

How much do you approximately estimate to have in your tax deferred and tax-free vs taxable at the point of retirement (i.e., at 45)?
by MrJones
Wed Feb 10, 2021 3:14 am
Forum: Personal Investments
Topic: Made a mess of Schwab Intelligent Portfolio
Replies: 15
Views: 2517

Re: Made a mess of Schwab Intelligent Portfolio

Nate79 wrote: Tue Feb 09, 2021 6:47 pm You should have just transferred the assets in kind to a Schwab brokerage account and sold at your own pace based on the cost basis of each ETF.
This. Always transfer out in kind when leaving an (robo-) advisor.
by MrJones
Thu Feb 04, 2021 7:37 am
Forum: Investing - Theory, News & General
Topic: FOMO and distorted perception caused by following individual stocks
Replies: 21
Views: 1710

Re: FOMO and distorted perception caused by following individual stocks

It's difficult to resist making individual stock investments when top of the list stocks often return 15-25% in a day. Sometimes the most powerful way to learn is by doing. Try it. Setup a sandbox of say, 5% of your portfolio, and beat the indexes significantly, tax-adjusted, over a period of time....
by MrJones
Thu Feb 04, 2021 7:24 am
Forum: Investing - Theory, News & General
Topic: FOMO and distorted perception caused by following individual stocks
Replies: 21
Views: 1710

Re: FOMO and distorted perception caused by following individual stocks

livesoft wrote: Thu Feb 04, 2021 6:03 am The TLH index is a good one as well.
Do explain...
by MrJones
Thu Feb 04, 2021 5:01 am
Forum: Investing - Theory, News & General
Topic: FOMO and distorted perception caused by following individual stocks
Replies: 21
Views: 1710

Re: FOMO and distorted perception caused by following individual stocks

Having one of these FOMO post almost daily is activating my spidey sense that we're close to the top of a bubble :happy. The BBB index: the Bogleheads Big Bubble Index measures the likelihood that the current market is in a bubble, and quantifies the proximity to the bubble's maximum. It's the numb...
by MrJones
Tue Feb 02, 2021 1:41 am
Forum: Personal Investments
Topic: Transfering HSA question..
Replies: 9
Views: 694

Re: Transfering HSA question..

You can do either. See my post here . I strongly recommend transferring the cash to Fidelity right away. Fidelity's transfer experience is super smooth, and took literally some 4 minutes online. Avoiding opening an account at TD Ameritrade will save a lot of hassle and extra work, not to mention the...
by MrJones
Sun Jan 31, 2021 7:03 pm
Forum: Personal Investments
Topic: Most tax efficient fund (Vanguard vs. Fidelity)
Replies: 25
Views: 1955

Re: Most tax efficient fund (Vanguard vs. Fidelity)

I'd suggest actually working out the annual difference in number of dollars between these funds for your portfolio. This will tell you whether it's worth optimizing. If you do this and post your numbers, it'll help others here as well on a similar quest. You can simply estimate using the ER you have...
by MrJones
Mon Jan 25, 2021 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA question
Replies: 14
Views: 1453

Re: Fidelity HSA question

I'd like to know too from anyone with first hand experience. Looks like you can only spend as much uninvested cash as you have:

https://www.fidelity.com/learning-cente ... n-your-hsa
https://www.fidelity.com/go/hsa/faqs
by MrJones
Mon Jan 25, 2021 7:13 am
Forum: Personal Investments
Topic: I just bought individual stocks and a lot of them.
Replies: 218
Views: 17118

Re: I just bought individual stocks and a lot of them.

Well, the obvious hole is a lack of Bitcoin.
by MrJones
Mon Jan 25, 2021 7:09 am
Forum: US Chapters
Topic: Happy 97th Birthday, Taylor Larimore
Replies: 146
Views: 6344

Re: Happy 97th Birthday, Taylor Larimore

Thank you for the beautiful note, Kathleen. Each time I learn about Taylor, is always a new thing that's impressive. Happy, safe, and healthy birthday wishes to you Taylor! If I can provide a millionth of help to other humans that you have so far, I'd consider that success! Thank you (amongst many o...
by MrJones
Sun Jan 24, 2021 6:29 pm
Forum: Personal Investments
Topic: Help with 401(k) allocation
Replies: 15
Views: 745

Re: Help with 401(k) allocation

I'm only turning 27 in a few days so I think it's okay for now to keep my money all in stocks, or at least 90% in stocks. I got convinced by this board to buy VTSAX instead of VFIAX. And I think I'll contribute 9% to get the full match which is 6%! Thanks! I don't have an IRA or anything like that,...
by MrJones
Sun Jan 24, 2021 3:21 pm
Forum: Personal Investments
Topic: Spreadsheet for unwinding unrealized gains
Replies: 5
Views: 786

Re: Spreadsheet for unwinding unrealized gains

Got it. You're computing the tax adjusted growth of switching a portfolio vs. not switching it. Is this correct? Perhaps not, let's see... If it is, this is a frequently used computation and would be helpful either here or in the wiki if it could be made generic enough IMHO. Thank you for sharing it...
by MrJones
Sat Jan 23, 2021 10:13 pm
Forum: Personal Investments
Topic: Help with 401(k) allocation
Replies: 15
Views: 745

Re: Help with 401(k) allocation

Welcome to the forum! Glad you're saving, taking advantage of the match, and asking for help here. Your financial success in the long run will fundamentally depend on how much you save each year. Next, it'll depend on minimizing your investment risk. And then, on the expenses of your funds. So may I...
by MrJones
Sat Jan 23, 2021 8:02 pm
Forum: Personal Investments
Topic: Spreadsheet for unwinding unrealized gains
Replies: 5
Views: 786

Re: Spreadsheet for unwinding unrealized gains

Could you explain what unwinding means using standard or simple terminology?
by MrJones
Sat Jan 23, 2021 7:20 pm
Forum: Personal Investments
Topic: Capital Gains Tax Questions on 500Kish of capital gains
Replies: 18
Views: 2170

Re: Capital Gains Tax Questions on 500Kish of capital gains

Thanks all, I am in unchartered territory right now. This has been extremely stressful and I don't know If i ever want to go through this again. Was losing sleep over this bet. Why not get an accountant, since this is your first time, and you might need help with the basics? I had a very high convi...
by MrJones
Sat Jan 23, 2021 4:51 pm
Forum: Personal Consumer Issues
Topic: Password manager
Replies: 94
Views: 8164

Re: Password manager

The cool thing about BitWarden is, it's open source. That really matters with anything related to security. https://bitwarden.com/open-source/ I believe the free version lets you share passwords with one another user. My experience with it overall has been excellent on Android, Mac, Windows. While ...
by MrJones
Sat Jan 23, 2021 2:43 am
Forum: Personal Consumer Issues
Topic: Password manager
Replies: 94
Views: 8164

Re: Password manager

The cool thing about BitWarden is, it's open source. That really matters with anything related to security.

https://bitwarden.com/open-source/

I believe the free version lets you share passwords with one another user. My experience with it overall has been excellent on Android, Mac, Windows.
by MrJones
Thu Jan 07, 2021 11:02 pm
Forum: Personal Consumer Issues
Topic: products with useful lifetime warranties
Replies: 48
Views: 2495

Re: products with useful lifetime warranties

Briggs and Reilly luggage They are awesome. They cover damage, even if it's the airline's fault. I once used the warranty for some small airline induced damage, and in addition to fixing it, they replaced worn out zip pullers and such. Zero questions asked, no bill, no "how long have you owned...
by MrJones
Sat Jan 02, 2021 1:46 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 2490
Views: 571146

Re: Share your net worth progression

Happy New Year! Year - Age - Net Worth - Salary 2019 - 22 - $8,100 - $12,100* 2020 - 23 - $75,800 - $89,200 I like the idea of tracking and updating here annually. I'm most inspired by the more "average-earner" progressions since I'm not in a high-paying career, but it's also nice to see ...
by MrJones
Fri Jan 01, 2021 10:59 am
Forum: Investing - Theory, News & General
Topic: If markets are efficient why does fund allocation matter?
Replies: 38
Views: 2276

Re: If markets are efficient why does fund allocation matter?

It seems like there are a couple things here that are being entangled. 1. "Market efficiency" usually does not refer to the operational ease of transacting, but rather, pricing that is very quickly reflective of all known information. A real estate transaction can be full of friction and ...
by MrJones
Fri Jan 01, 2021 12:12 am
Forum: Investing - Theory, News & General
Topic: If markets are efficient why does fund allocation matter?
Replies: 38
Views: 2276

Re: If markets are efficient why does fund allocation matter?

The thing that is catching me up is that I don't know how to determine how efficient a market is. Shouldn't the efficiency of a market change your investment strategy? The takeaway I am getting from people here is that markets are strongly efficient, but there are definitely inefficient markets. Fo...
by MrJones
Thu Dec 31, 2020 7:24 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3500
Views: 582659

Re: What are you up YTD? [Year To Date]

I didnt start tracking until 1/25. Between 1/25 and 11/26 I am up 19% after I take out my contributions over that period. I am about 95% stocks. Computing meaningful returns numbers is non-trivial. The method above doesn't quite produce meaningful numbers. As an_asker explained above that number is...
by MrJones
Thu Dec 31, 2020 7:19 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3500
Views: 582659

Re: What are you up YTD? [Year To Date]

Bluce wrote: Thu Dec 03, 2020 8:15 pm 30/70, up about 8%, no Beardstown math.
Heh, thanks for that reference, interesting and amusing read!
by MrJones
Mon Dec 21, 2020 7:18 am
Forum: Investing - Theory, News & General
Topic: Tools for visualizing effective tax: is this useful?
Replies: 16
Views: 1287

Re: Tools for visualizing effective tax: is this useful?

The graph was showing the averaged-out effective tax on a certain amount of money. However, the graph's legend was calling out each individual arc for each marginal tax bracket. This may have caused confusion regarding what exactly I was trying to graph. So, to better show the difference, I made a ...
by MrJones
Sun Dec 20, 2020 12:34 pm
Forum: Investing - Theory, News & General
Topic: Tools for visualizing effective tax: is this useful?
Replies: 16
Views: 1287

Re: Tools for visualizing effective tax: is this useful?

I think a simple total tax vs income graph would be neat. The marginal rate would be the slope at any particular point. This would be a helpful graph. I believe that's what this one uses: https://github.com/davidcmoore/python-taxes You could also display a companion graph, which is the slopes extra...
by MrJones
Sun Dec 20, 2020 12:33 pm
Forum: Investing - Theory, News & General
Topic: Tools for visualizing effective tax: is this useful?
Replies: 16
Views: 1287

Re: Tools for visualizing effective tax: is this useful?

This one generates a visualization, and includes AMT, showing how marginals can (annoyingly) go up and down as income increases.

https://github.com/davidcmoore/python-taxes
by MrJones
Sun Dec 20, 2020 12:29 pm
Forum: Investing - Theory, News & General
Topic: Tools for visualizing effective tax: is this useful?
Replies: 16
Views: 1287

Re: Tools for visualizing effective tax: is this useful?

Welcome! I find that visualizations done well can be immensely useful in learning or in gaining insights. Marginal tax rates are no different. Questions/feedback: - shouldn't the marginal rate be constant until you hit the next bracket? If so, this would look like a step graph. Yours involves climbi...
by MrJones
Thu Dec 17, 2020 1:11 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin @ 23K, why am I anti-Bitcoin?
Replies: 404
Views: 20241

Re: Bitcoin @ 23K, why am I anti-Bitcoin?

Totally agree.....Many on here suggest being 80% Domestic and 20% international......Is that a gamble? Heck yeah Indexing is totally a gamble and we could all lose our tails very easily I doubt it will happen....but its a gamble Of course. All of life is a gamble. There's literally nothing that's s...