Search found 422 matches

by BroIceCream
Sun May 09, 2021 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax importing information from Fidelity
Replies: 6
Views: 325

Re: Turbo Tax importing information from Fidelity

Is it safe to give Turbo Tax your account number, password, and user name to import information from Fidelity into Turbo Tax? Change your password after the download. +1 As a computer professional that used to work with a government security agency - yes, I think it is safe. I've been doing it for ...
by BroIceCream
Fri May 07, 2021 1:04 pm
Forum: Personal Consumer Issues
Topic: Buy Candy Bars in Bulk
Replies: 19
Views: 2859

Re: Buy Candy Bars in Bulk

Ask your local grocery store. I have heard that some may provide a 5-10% discount for bulk purchases, to help turnover their inventory (or they may not).
by BroIceCream
Mon Apr 19, 2021 1:52 pm
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 179
Views: 16406

Re: People with Covid-19 vaccination record cards: where are you keeping them?

Original copy is with my important papers.
I have a photo of it (both sides), on my phone/cloud.
I also have a [laser-printed] copy in my wallet. I did not laminate it, to save the lamination cost & effort & wallet thickness. If my printout wears out in my wallet, I can print another.
by BroIceCream
Fri Apr 16, 2021 6:19 pm
Forum: Investing - Theory, News & General
Topic: Why Does Anyone Listen To Paul Merriman?
Replies: 105
Views: 10713

Re: Why Does Anyone Listen To Paul Merriman?

... He's stopped updating it (I think to concentrate on the two funds for life), but for a long time he'd analyze 401k plans and recommend the best funds to use: ... Glancing through the articles, I don't see a specific fund recommendation, beyond 'Vanguard-like', I assume because he's recommending...
by BroIceCream
Mon Apr 12, 2021 4:15 pm
Forum: Personal Investments
Topic: What equities fund should I add to my Target Date Fund?
Replies: 15
Views: 1164

Re: What equities fund should I add to my Target Date Fund?

Bro Ice Cream, When you say "2 Funds 4 Life" in your Roth IRA, do you mean the whole "1.5 x your age in the TDF and the rest in SCV," where your SCV allocation slowly disappears the closer you get to your end date, or something like 80% TDF and 20% SCV? Thank you for your though...
by BroIceCream
Mon Apr 12, 2021 2:27 pm
Forum: Personal Investments
Topic: What equities fund should I add to my Target Date Fund?
Replies: 15
Views: 1164

Re: What equities fund should I add to my Target Date Fund?

1. Has anyone heard of the "2 Funds for Life" portfolio, and what are your general impressions of that strategy? 2. Is SCV the most popular choice to add as a supplementary fund, or are there other good choices? 3. Maybe most importantly, am I overthinking this? Should I be happy with the...
by BroIceCream
Sun Apr 11, 2021 4:31 pm
Forum: Personal Consumer Issues
Topic: Comfortable Men's Flip Flops?
Replies: 81
Views: 6632

Re: Comfortable Men's Flip Flops?

I've used these slides. So comfortable, my kids and spouse borrow them. Nike Benassi Slides. Available lots of places, including Dick's Sporting goods.
by BroIceCream
Sun Apr 11, 2021 1:35 pm
Forum: Personal Investments
Topic: Why the general advice to have treasuries in CA HSA?
Replies: 17
Views: 1392

Re: Why the general advice to have treasuries in CA HSA?

I use a TSM ETF (ITOT) in my HSA. I am planning on leaving CA before the funds will be drawn, so I will experience the tax free growth...so I want to maximize that growth. Being in CA is a pain for tracking the tax lots (in the situation where I may not leave CA). So I let my monthly payroll contri...
by BroIceCream
Sun Apr 11, 2021 11:48 am
Forum: Personal Investments
Topic: Why the general advice to have treasuries in CA HSA?
Replies: 17
Views: 1392

Re: Why the general advice to have treasuries in CA HSA?

I use a TSM ETF (ITOT) in my HSA. I am planning on leaving CA before the funds will be drawn, so I will experience the tax free growth...so I want to maximize that growth. Being in CA is a pain for tracking the tax lots (in the situation where I may not leave CA). So I let my monthly payroll contrib...
by BroIceCream
Sat Apr 10, 2021 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite Boglehead-ish Podcasts?
Replies: 25
Views: 2238

Re: Favorite Boglehead-ish Podcasts?

  • Sound Investing (Paul Merriman)
  • The White Coat Investor
  • Talking Real Money (Don McDonald)
  • The Dough Roller
  • Jill On Money
  • Your Money, Your Wealth
by BroIceCream
Wed Apr 07, 2021 11:44 am
Forum: Personal Investments
Topic: ETFs vs Mutual Funds
Replies: 11
Views: 1007

Re: ETFs vs Mutual Funds

In general, my personal preference is mutual funds -- primarily it eliminates most of the " emotion " of the purchase due to the elimination of the bid/ask spread. I can submit my purchase at any time (even the night before)...I like the 'fire and forget' aspect. However, in my taxable acc...
by BroIceCream
Tue Apr 06, 2021 4:56 pm
Forum: Personal Investments
Topic: Self-managed 3 Fund or Life Strategy vs Vanguard PAS for 80 year old
Replies: 12
Views: 1282

Re: Self-managed 3 Fund or Life Strategy vs Vanguard PAS for 80 year old

Option 1 - but no more aggressive than Conservative Growth (40/60). Even LS Income (20/80) would be acceptable. 60/40 is "freak-out" level for an 80 year old with no experience managing his own portfolio. +1; If [my mom] was in this situation- I'd due the LS fund with the lower ratio. If ...
by BroIceCream
Mon Apr 05, 2021 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement calculators : missing features
Replies: 17
Views: 2141

Re: Retirement calculators : missing features

This "Retirement Budget Calculator", is a paid tool, but has several of the features requested in the OP.
by BroIceCream
Sat Apr 03, 2021 8:17 pm
Forum: Personal Investments
Topic: International Small Cap Value?
Replies: 28
Views: 2110

Re: International Small Cap Value?

I was just wondering if an international small cap value allocation would be beneficial, and since Fidelity does not offer one, if it is worth it to include due to the extra fees for being a non Fidelity index fund and the higher expense ratio typically associated with funds like AVDV. I have found...
by BroIceCream
Fri Apr 02, 2021 8:02 pm
Forum: Personal Consumer Issues
Topic: Best nonstick pans?
Replies: 65
Views: 5300

Re: Best nonstick pans?

We've used GreenPan from Target for almost 10 years. Never had a problem with either the 10" fry pan for omelettes, or the 5qt, for larger entrees.
by BroIceCream
Fri Mar 26, 2021 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Paying taxes electronically???
Replies: 6
Views: 527

Re: Paying taxes electronically???

You can transfer the funds to your bank and set up an account with EFTPS to debit the ES tax amount on the date you wish. I've been doing this for years with zero issues. +1; I have the same positive experience, using EFTPS site, withdrawing from my Fidelity CMA acct. I pre-schedule the full year d...
by BroIceCream
Fri Mar 26, 2021 9:47 am
Forum: Investing - Theory, News & General
Topic: Thoughts on Fidelity's new Zero funds
Replies: 50
Views: 7933

Re: Thoughts on Fidelity's new Zero funds

Yeah fzrox (fidelity total us) is tracking vtsax so closely as to not really matter to me. But last I looked, vtsax is winning slightly. I hold both. Diversified. :mrgreen: +1 Another benefit is that if you have one in taxable acct, and another in 401K, then you don't have to worry about any TLH Wa...
by BroIceCream
Wed Mar 24, 2021 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2020 tax refund?
Replies: 171
Views: 15107

Re: How quickly did you receive your 2020 tax refund?

When I efiled, turbotax estimated less than 21 days (and so did irs.gov site). The refund arrived after 19.
by BroIceCream
Tue Mar 23, 2021 2:02 pm
Forum: Non-US Investing
Topic: How do you buy/sell?
Replies: 10
Views: 1600

Re: How do you buy/sell?

I only use limit orders for ETF's if I only have a specific amount to spend...otherwise I use market. For long-term buy/hold investing, the spread within a day is noise for how long I'll hold it. This is why I like mutual funds for the accounts in which I have them... completely removes the emotion/...
by BroIceCream
Mon Mar 22, 2021 9:05 pm
Forum: Personal Investments
Topic: Pre-retirement to-do list
Replies: 31
Views: 3598

Re: Pre-retirement to-do list

I started my bucket-list, two years early! I planned to do some volunteering at a local community education center after retirement. With some covid-related flexibility in my work schedule, I started volunteering now, to see how I liked it. It provided a great boost of morale to do something differ...
by BroIceCream
Mon Mar 22, 2021 8:57 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 461
Views: 36642

Re: So what are you cooking

InMyDreams wrote: Fri Mar 19, 2021 8:11 pm
abuss368 wrote: Tue Mar 09, 2021 9:23 pm Heating pizza in microwave.
Tony
So, was it Tony's Pizza?
DiGiorno's is the best frozen.

Tonight's dessert was yellow marshmallow peeps...dipped in chocolate pudding.
by BroIceCream
Mon Mar 22, 2021 6:57 pm
Forum: Investing - Theory, News & General
Topic: Value:Growth = 1:1 and Large:Mid:Small:Micro = 1:1:1:1 - is it a better portfolio to buy and hold/rebalance?
Replies: 18
Views: 1568

Re: Value:Growth = 1:1 and Large:Mid:Small:Micro = 1:1:1:1 - is it a better portfolio to buy and hold/rebalance?

I basically subscribe to Merriman UBH portfolio (Lg & Sm) * (Growth & Val) * (Intl & US), plus EM & Reits) = the Big 10. (ref: marketWatch article ) I don't find it difficult to manage at all. 30 minutes, at my annual rebalance session, and I'm done. Most of my purchases are via 401K...
by BroIceCream
Sun Mar 21, 2021 7:20 pm
Forum: Personal Investments
Topic: Compare naming Trust vs individuals as IRA beneficiaries
Replies: 63
Views: 4308

Re: Compare naming Trust vs individuals as IRA beneficiaries

A question ... By having beneficiaries of the IRA not being the trust (or perhaps being one of several beneficiaries of the IRA), does it not provide flexibility for future/instant of "changing of the mind" in terms of specific $$ allocation of the IRA assets? By simply logging on to the I...
by BroIceCream
Fri Mar 19, 2021 10:03 am
Forum: Personal Investments
Topic: Changing to Target Date Fund for 401(k)?
Replies: 20
Views: 1205

Re: Changing to Target Date Fund for 401(k)?

Another option with multiple 401K, IRAs --- consider choosing the "date" of the TDF, based upon the glidepath to when you will use the money within that particular account. One of my accounts will be the last money I withdraw from in retirement, so it is a bit more aggressive, with a diffe...
by BroIceCream
Thu Mar 18, 2021 1:32 pm
Forum: Investing - Theory, News & General
Topic: Is reallocating some of Total Stock Index into Total Value Index a bad idea?
Replies: 11
Views: 1121

Re: Is reallocating some of Total Stock Index into Total Value Index a bad idea?

That is a reasonable allocation. My allocation (within stocks) has not changed in a long time. As I approach retirement, only the % of stock vs bond has changed. My portfolio has a mix of different funds, targeting different classes/factors. Value & Growth, size (lg & small), domestic and in...
by BroIceCream
Wed Mar 17, 2021 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use MyFidelityConnection?
Replies: 1
Views: 328

Re: Anyone use MyFidelityConnection?

I wish my company offered this... we too use Fidelity for 401k/HSA administration. Perhaps I missed the invite. This invite to be a "voice" can be powerful. 4 years ago, a grass-roots effort at the company "encouraged" the Benefits department to consider a MegaBackDoor Roth w/ RI...
by BroIceCream
Tue Mar 16, 2021 5:15 pm
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 209
Views: 32754

Re: Google Sheets' googlefinance function not working

Expense Ratios seem to take longer to update whenever they've changed (sometimes months). I just reviewed my newly created "TICKERS" and looked for differences where there should be none (i.e. Expense Ratios). I found seven funds (2 vanguard, 5 fidelity) where googleFinance and MorningSta...
by BroIceCream
Mon Mar 15, 2021 2:49 pm
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 209
Views: 32754

Re: Google Sheets' googlefinance function not working

But my spreadsheet still works because I added 3 (!) backup services to get prices. If any one service is down, then the other services get used. See my earlier comment in this thread. Oh wow, this is impressive, thank you! +1 Very instructive thread. I've found GoogleFinance to be the most conveni...
by BroIceCream
Thu Mar 11, 2021 2:35 pm
Forum: Personal Consumer Issues
Topic: Resubscribe to The Economist or switch to something else?
Replies: 32
Views: 2514

Re: Resubscribe to The Economist or switch to something else?

magazine.store discount site sells it for $189 (52 issues), or $95 for 25.
We've used this site for other magazines, and have saved more ($15 total for a 2yr subscription)

To ensure they don't keep auto-extending, I use privacy.com and use a 1-time credit card number.
by BroIceCream
Wed Mar 10, 2021 4:22 pm
Forum: Personal Consumer Issues
Topic: Selling or Trading in an Old Computer
Replies: 27
Views: 2208

Re: Selling or Trading in an Old Computer

The Best Buy store has a trade-in/recycling program. They offer cash -- my child received a decent amount of money for an old laptop. Their laptop was not fully functional, and the cash enabled them to purchase some nice accessories for their new laptop. their website also has info on tools to clean...
by BroIceCream
Fri Mar 05, 2021 8:35 pm
Forum: Personal Consumer Issues
Topic: Does anyone use a Password Manager on Chromebook?
Replies: 3
Views: 318

Re: Does anyone use a Password Manager on Chromebook?

I've been using LastPass for years on my Chromebook (and also installed on my android phone). I find it very convenient. It allows me to do my taxes online, and other secure online work. And in light of recent news regarding LP, I proudly subscribe to their service.
by BroIceCream
Fri Mar 05, 2021 8:33 pm
Forum: Personal Consumer Issues
Topic: Safer to Pay Bill by Mail or Phone?
Replies: 32
Views: 2156

Re: Safer to Pay Bill by Mail or Phone?

For any autopays, or subscriptions (magazine), or anytime I need to read a credit card number over the phone, I use privacy.com and generate a different virtual card numbers for each autopay/recurring vendor. Once used, the number is locked to that vendor, and it is very easy to pause or cancel the ...
by BroIceCream
Fri Mar 05, 2021 12:59 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2843
Views: 281289

Re: Personal favorite TV/cable series

Cheers, Frasier, Friday Night Lights, The Inbetweeners, Xena, It's Always Sunny in Philadelphia, The Cosby Show, and American Vandal. +1; All great shows. We started rewatching Cosby recently, and were reminded how fantastic the writing was -- it really reinforced how family members should treat ea...
by BroIceCream
Fri Mar 05, 2021 3:01 am
Forum: Personal Finance (Not Investing)
Topic: FED_Taxable_Inherited_IRA rejection Turbotax
Replies: 112
Views: 7687

Re: FED_Taxable_Inherited_IRA rejection Turbotax

I use online version of TT Premier. Returns initially rejected 2 days ago. Resubmitted tonight. Federal was accepted in 25 min., State (CA) accepted in a little less than 3 hours.
by BroIceCream
Thu Mar 04, 2021 10:34 am
Forum: Personal Finance (Not Investing)
Topic: FED_Taxable_Inherited_IRA rejection Turbotax
Replies: 112
Views: 7687

Re: FED_Taxable_Inherited_IRA rejection Turbotax

I'll post this on the TT community site, but I would think that if TT knew a week ago that there were calculation problems affecting filing, that they would notify users "before" they filed in the days since (with an ETA for the fix), rather than create extra anxiety in users by allowing t...
by BroIceCream
Wed Mar 03, 2021 7:40 pm
Forum: Investing - Theory, News & General
Topic: Does anyone have "fun" ETFs?
Replies: 62
Views: 3465

Re: Does anyone have "fun" ETFs?

I looked PEJ and PBJ funds (PB&J, what a fun name) - fast food, candy, cereal, resorts. Love it.

My spouse and I think our boring index ETF's are "fun" -- last year we cleared 2x our annual gross income in growth. It can't get more fun and happy than that.
by BroIceCream
Wed Mar 03, 2021 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2021
Replies: 29
Views: 1949

Re: Turbotax 2021

Hello, Long time online user of Turbotax. Per the bogleheads recommendation, I switched to the download (mac)/cd version Can someone point me to a topic with this discussion? Why is the download/cd version better than the online version? Something I've heard but am trying to get the details on. Tha...
by BroIceCream
Tue Mar 02, 2021 6:41 pm
Forum: Personal Investments
Topic: All One's Eggs in One Basket?
Replies: 44
Views: 5118

Re: All One's Eggs in One Basket?

Just for simplicity sakes I've always had all retirement accounts and taxable with one brokerage, Fidelity. We do have a checking account with a local bank (BoA) just to have some personal contact if needed. I would be interested to know of anyone's personal experience with Vanguard or Fidelity whe...
by BroIceCream
Fri Feb 26, 2021 3:05 am
Forum: Personal Finance (Not Investing)
Topic: Can One Keep Trial Deposits?
Replies: 33
Views: 7828

Re: Can One Keep Trial Deposits?

I recently linked a checking account with Capital One to another bank. Capital One sent the trial deposits over two weeks ago and have not taken them back. Am I good to go? I think you are good. I've had some taken back, and sometimes remain. In most cases, the sum of the deposits is still less tha...
by BroIceCream
Fri Feb 26, 2021 2:48 am
Forum: Personal Finance (Not Investing)
Topic: Adjusted cost basis from Etrade
Replies: 4
Views: 340

Re: Adjusted cost basis from Etrade

Credit to TurboTax online, at least they prompt users to adjust cost basis this year, explicitly. Better than previous years imo. I can't answer the original question, but I agree that TurboTax Online was a breeze this year in recording the information. I also noticed the questionnaire for handling...
by BroIceCream
Thu Feb 25, 2021 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Credit Card: [Update on Experiences, drops two benefits]
Replies: 167
Views: 12919

Re: Fidelity 2% Credit Card: [Update on Experiences, drops two benefits]

If renting a vehicle, I've found AmEx to have the best, and most comprehensive coverage for auto rental insurance. I use this service with my zero-fee Blue-Cash Everyday Amex card. Fixed rate $25 per trip up to (not per day), $17 if CA resident (which I am). I use the AmEx car rental insurance too....
by BroIceCream
Thu Feb 25, 2021 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Getting fed up with E-trade for taxable brokerage. Where to go?
Replies: 17
Views: 1442

Re: Getting fed up with E-trade for taxable brokerage. Where to go?

My employer uses Etrade for ESPP and RSU. All other 401K/IRA stuff is at Fidelity. My eTrade account has a perpetual $0 balance. They day things vest or cash out, I do immediate transfer to Fidelity where funds quickly merge into my overall asset allocation. I prefer Fidelity services and website o...
by BroIceCream
Wed Feb 24, 2021 3:22 pm
Forum: Forum Issues and Administration
Topic: What is the deal with "DW"?
Replies: 104
Views: 5906

Re: What is the deal with "DW"?

I had to adjust to seeing the D_ used on BH. I much prefer it to "hubby" though - I cringe when I read that Boat forum had SWMBO - I had to look that one up Have to google that one too and so true :P DW has SWMBO spelled out on a sweatshirt. She bought it for herself. I obey.... 34 happy ...
by BroIceCream
Wed Feb 24, 2021 3:12 pm
Forum: Personal Investments
Topic: All One's Eggs in One Basket?
Replies: 44
Views: 5118

Re: All One's Eggs in One Basket?

I have everything at one place (Fidelity). My employer uses them for 401K & HSA. My IRAs are there and investment. It is just simplified to have one login view of my world. Plus tax forms are centralized. My employer does ESPP and RSU at another firm, but as soon as anything vests, I move it to ...
by BroIceCream
Tue Feb 23, 2021 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Getting fed up with E-trade for taxable brokerage. Where to go?
Replies: 17
Views: 1442

Re: Getting fed up with E-trade for taxable brokerage. Where to go?

My employer uses Etrade for ESPP and RSU. All other 401K/IRA stuff is at Fidelity. My eTrade account has a perpetual $0 balance. They day things vest or cash out, I do immediate transfer to Fidelity where funds quickly merge into my overall asset allocation. I prefer Fidelity services and website ov...
by BroIceCream
Tue Feb 23, 2021 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Credit Card: [Update on Experiences, drops two benefits]
Replies: 167
Views: 12919

Re: Fidelity Rewards Visa dropping two benefits

Does American Express still offer the extended warranty? Only the cards with significant annual fees. E.g. Blue Cash ($0 fee, no benefit), Blue Cash Preferred ($95 fee, yes benefit) https://www.americanexpress.com/us/credit-cards/features-benefits/policies/extended-warranty-terms.html I love my Fid...
by BroIceCream
Tue Feb 23, 2021 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Credit Card: [Update on Experiences, drops two benefits]
Replies: 167
Views: 12919

Re: Changes to Fidelity Visa Signature Card

I love my Fidelity Visa... the loss of two features I haven't used will not cause me to change a card company. I like my 2% cash back. However ... for one of the "lost" perks (car rental CDW coverage), I do have a free american express card... If renting a vehicle, I've found AmEx to have ...
by BroIceCream
Tue Feb 16, 2021 2:20 am
Forum: Personal Consumer Issues
Topic: Cheap Passport Photos
Replies: 53
Views: 3844

Re: Cheap Passport Photos

Ask your local grocery store chain. I was looking for a pharmacy in an unfamiliar town, asked the grocer where the nearest walgreens was for passport photos... and he replied, "We do passport photos!" It was half the price of the nearest pharmacy, and they used a white wall in their store ...
by BroIceCream
Tue Feb 16, 2021 2:12 am
Forum: Personal Finance (Not Investing)
Topic: Just landed a permanent WFH job across the country. What's your best WFH investment to make your life better?
Replies: 77
Views: 7378

Re: Just landed a permanent WFH job across the country. What's your best WFH investment to make your life better?

A door with a LOCK . (it would have been nice in my cubicle at the office, but essential at home...to keep out pets, spouses, 3 yr olds, vacuums) Plus other essentials already mentioned (sit/stand desk, ergo chair, and decent headphones, have a usb wired-headset handy for when the battery goes out o...
by BroIceCream
Mon Feb 15, 2021 9:54 pm
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 327
Views: 48161

Re: Why not add a "like" button to Boglehead posts?

sixtyforty wrote: Thu Jan 28, 2021 8:52 am Please do NOT add a "like" button. Better yet, delete this thread.
Agreed. Add a "delete" or "answered & lock it" button accessible only to OP. Perhaps that could end some of the never-ending 1-on-1 conversations.