Bogleheads.org

BroIceCream

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...

BroIceCream

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...

BroIceCream

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.

BroIceCream

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...

BroIceCream

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...

BroIceCream

Sound Investing (Paul Merriman)
The White Coat Investor
Talking Real Money (Don McDonald)
The Dough Roller
Jill On Money
Your Money, Your Wealth

BroIceCream

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...

BroIceCream

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 ...

BroIceCream

This "Retirement Budget Calculator", is a paid tool, but has several of the features requested in the OP.

BroIceCream

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...

BroIceCream

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.

BroIceCream

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...

BroIceCream

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...

BroIceCream

When I efiled, turbotax estimated less than 21 days (and so did irs.gov site). The refund arrived after 19.

BroIceCream

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/...

BroIceCream

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...

BroIceCream

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.

BroIceCream

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...

BroIceCream

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...

BroIceCream

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...

BroIceCream

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...

BroIceCream

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...

BroIceCream

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...

BroIceCream

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...

BroIceCream

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.

BroIceCream

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...

BroIceCream

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.

BroIceCream

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 ...

BroIceCream

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...

BroIceCream

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.

BroIceCream

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...

BroIceCream

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.

BroIceCream

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...

BroIceCream

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...

BroIceCream

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...

BroIceCream

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...

BroIceCream

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....

BroIceCream

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...

BroIceCream

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 ...

BroIceCream

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 ...

BroIceCream

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...

BroIceCream

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...

BroIceCream

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 ...

BroIceCream

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 ...

BroIceCream

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...

BroIceCream

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.

BroIceCream

I too noticed that the [backdoor] IRA menus in the Online version of TurboTax also changed. Personally, I found this year's Online interview easier to navigate for backdoor documentation, than in previous years with correct processing for the backdoor conversion. For others' reference on desktop SW,...

BroIceCream

Another question for CK users ... does it do import of 1099's (direct or pdf) from brokerages? I'd hate to do manual import, but the free price is tempting. The auto import of 1099's, W-2s, and even charitable deductions (via ItsDeductible.com) is a big convenience for me w/ TT.

BroIceCream

Have you considered using your professional skills in a volunteer position? I know several people from my large high-tech company who moved into Encore Fellowships (https://encore.org/fellowships/) when they left their jobs. But there are plenty of non-profits looking for professional skillsets for...

BroIceCream

Fried Egg, toast, and a bowl of either Cheerios (NOT generic), Grits, or Malt-O-Meal (maple).
And a side of banana, raspberry, or blueberry.

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