Bogleheads.org

HawkeyePierce

Behaviorally, most investors are better off just plowing all their money into an inexpensive target date index fund than trying to DIY their portfolio. https://www.morningstar.com/articles/750390/target-date-funds-good-behavior-leads-to-better-results Honestly, despite all my tinkering with my own p...

HawkeyePierce

I'm in the same situation with a new lawn guy. I guess he is one of America's "unbanked" and he wants me to pay him via Cashapp. After looking into it, I was sufficiently unsettled that I opened a stand-alone checking account, at a bank totally unrelated to the rest of my financial life. ...

HawkeyePierce

I briefly looked into some of these when I had a lawn guy that wanted to use it. My issues were: 1. A surcharge to use a credit card. 2. Wanting to link to my bank account. So I declined and paid him in cash. I very rarely will link anything to my bank account or allow anyone to auto deduct from it...

HawkeyePierce

I would look at ways to redeem hotel awards instead of air especially if you are already on the West Coast. Getting three seats award during summer is probably more difficult than just redeeming for a hotel room. Hotel could likely cost more than air. Yeah, OP is really setting themself up for disa...

HawkeyePierce

Our HDHP has no premium and a $1500 deductible, but a lot of services are exempt from the deductible, like mental health care. Those are reimbursed 90% from the first dollar. Company puts $500 in our HSA. We also have a regular plan available with a $500 deductible for $88/month. Those are the rates...

HawkeyePierce

Personally, I'd think long and hard if you'd be fine with a Subaru with a few mods and accessories: proper all-terrain tires like the Falken Wildpeak, a set of skidplates on the undercarriage, a 12V tire inflator, a tire deflator and some recovery gear like a shovel and Maxxtraxx recovery boards. Yo...

HawkeyePierce

I'm a high-functioning autistic and I was also terrible at math in high school. Don't underestimate the possibility that this comes down to poor teaching. Once I got to college and started learning from a professor who both understood the material and knew how to teach, it clicked and I was suddenly...

HawkeyePierce

Check with your city/county health department. Here, the county runs free drive-up testing sites with <24 hour turnaround.

HawkeyePierce

I own a Subaru Crosstrek and yes I live in Colorado. It's their extra-small crossover SUV but handles like a hatchback—literally it's their hatchback Impreza lifted up a bit. - The AWD is probably the best you can get short of stepping up to true 4WD - Relatively low total cost of ownership - Reliab...

HawkeyePierce

I would never do this. It is better to wait and access a known secure WiFi network, or use the native app and communicate via cellular wireless. For less sensitive communication over public WiFi I would use a VPN. Proton is a good one. These precautions aren't improving your safety. Accessing your ...

HawkeyePierce

Say hi to the Mexican spotted owls, horned owls, barn owls, tiny elf, pygmy and squirrel owls, and burrowing owls. I love the ravens best, myself. The signature bird of the Grand Canyon might be the California condors there. The ravens will probably give you the most trouble. Both the ravens and th...

HawkeyePierce

One question that I do not see addressed is app vs web browser. I would use the app. I've heard this to be the case, but never heard of a reason why. My guess/suspicion would be that the 'app' would be less vulnerable to being compromised if your computer/device had been compromised from installing...

HawkeyePierce

There are also ongoing issues with the rivers in Zion regarding toxic blooms. The park service doesn't yet know if the usual water filters are effective against them.

HawkeyePierce

I agree that the Google APP is the gold standard for keeping your account secure, my Google account is enrolled in the APP and I sleep well at night. If you use the APP then the only method of 2FA available is a physical security key, all other means of 2FA are disabled, including the backup codes....

HawkeyePierce

Where is the leverage coming from?

HawkeyePierce

What about things around the national parks (Grand Canyon, Yosemite, Zion) or the roads between them? Anyone with back-country backpacking experience, feel free to chime in with suggestions here. Check out Vermillion Cliffs National Monument. It's right off highway 89 which isn't too far from you a...

HawkeyePierce

OP, Where are you planning to hike in the Grand Canyon? You might find a loop down the Kaibab, over the Tonto and up the Bright Angel trail a nice loop. It’s been awhile since I did something similar and really enjoyed it. WoodSpinner I would be careful hiking that combo in late June. It's beyond t...

HawkeyePierce

Seems reasonable. Do you have experience with desert hiking? In Vegas, I always stay at the Delano on the south end of the strip. It's a non-smoking/non-gaming property in the Mandalay Bay complex, including access to their massive pool. Rates are usually good and all rooms are suites, especially if...

HawkeyePierce

I've embarked on a security improvement project, and am adding 2FA wherever I can. I've searched the sites of two of my credit card providers, and was surprised to find that neither identifies any form of 2FA for their accounts. I tried getting information from Citi Cards from their telephone custo...

HawkeyePierce

The industry tried this with 3D Secure, marketed as Verified by Visa or Mastercard SecureCode. It failed miserably in the US and you'll rarely see it these days. It's still highly active in some markets like India and it was sort-of revived in the EU under PSD2 but it's dead in the US. (I've built p...

HawkeyePierce

Why not just stay in the target date fund you currently use?

HawkeyePierce

I'm a side sleeper and I purchased a Saatva Classic about a year ago, so far I've been thrilled with it.

HawkeyePierce

I also work in tech and went down this path a while ago. More than half my compensation is in RSU's. In the end I decided not to tilt away from tech for most of the same reasons vineviz has already listed. My employer is very volatile but our correlation with VGT is only 0.30, so tilting away from o...

HawkeyePierce

Last time I used them was 8 years ago while backpacking. Its the only time I really need to carry thousands in cash. I still love them. I try to avoid cross national ATM transactions (developed or undeveloped). Unforeseen issues will eventually arise with ensuing paperwork and wasted call times. My...

HawkeyePierce

Cash App, Venmo, Paypal. I've said before, when my father in law comes over, he usually gives each of my kids some cash. My younger one works at Amazon, so he can use it in the machines to buy soda. My older one (24) brings it to me and gives it to me asking "Is there something you can do with...

HawkeyePierce

I've never even seen one.

HawkeyePierce

I just upgraded from a 2011 Honda Fit—which I loved—to a 2021 Subaru Crosstrek. Might fit your needs. - It's basically a hatchback on a lift kit (literally it's a raised Impreza). Drives and parks much more like a hatchback than an SUV - Excellent mileage and range - Very comfortable (IMO) - Availab...

HawkeyePierce

One thing I noticed is that the yield is 0.85%. On VOO the yield is 1.56%. Is this a function of the stocks they choose for their 500? Or is it caused by some other aspect of the fund? Everyone has assumed the equity portion is S&P 500, but I don't know if they ever say that is. The fund is ben...

HawkeyePierce

Appears WisdomTree thinks this is a winning strategy. They've filed for two more ETFs like NTSX, one with int'l developed equities and one with EM equities. Both still using Treasury futures. https://www.sec.gov/Archives/edgar/data/1350487/000119312521052481/d104174d485apos.htm https://www.sec.gov/A...

HawkeyePierce

MrJones wrote: ↑Sun Feb 21, 2021 11:00 pm 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.

HawkeyePierce

- Electric sit/stand desk - Flexible monitor and laptop arms - CO2 monitor so you know when you need to open a window for a bit (elevated CO2 reduces cognitive ability) - Lots of diffuse lighting and a task lamp - Something interesting behind you on video calls (bookshelves, art, etc) - An excellent...

HawkeyePierce

rchmx1 wrote: ↑Mon Feb 15, 2021 4:35 pm Since TD Ameritrade seems to offer a conventional HSA, it seems likely that at some point that will become available to Schwab customers, but who knows when that will happen.

TDA doesn't offer one directly, it's the brokerage window for HSAs at HSA Bank.

HawkeyePierce

Mr-et-Mrs-R wrote: ↑Sun Feb 14, 2021 10:37 am This is all that needs to be said about passwords:

(Length matters, complexity does not!)

Your password entropy with this method is quite bad, even if you pick the words out of a hat.

HawkeyePierce

Agree that it's too company-specific to really say.

My company offers one of the longest paid mat/paternity leaves in the country (20 weeks paid). I've seen lots of men and women take the full leave without any impact to their career.

HawkeyePierce

I just don't see the point of preferreds for the individual investor.

If you want less equity risk, you can just simply sell equities and buy bonds. If you want more risk, move from bonds to equities.

Why bother with these inbetweener asset classes? IMO they just aren't needed.

HawkeyePierce

Look into optionsellers.com saga and how this guy who wrote books on selling options and appeared as a guest commenter on cnbc blew up selling options ... should give you a hint at anyone who claims to be an expert lol. Oh if you want a laugh here is his apology video after losing the money and lea...

HawkeyePierce

I don't need to click on those links to know he's either lying or a scam artist.

HawkeyePierce

I believe that some (many?) Vanguard funds still have Investor shares. It is only the index funds that eliminated them. The big total market funds still have investor shares—they're components of the target date and LifeStrategy funds. No idea why Vanguard hasn't moved those to admiral shares. Sure...

HawkeyePierce

sport wrote: ↑Thu Feb 11, 2021 12:52 pm I believe that some (many?) Vanguard funds still have Investor shares. It is only the index funds that eliminated them.

The big total market funds still have investor shares—they're components of the target date and LifeStrategy funds.

No idea why Vanguard hasn't moved those to admiral shares.

HawkeyePierce

Snow and RWD sounds like a pretty miserable combination. Go for AWD + chains.

HawkeyePierce

I picked up a 2021 Crosstrek Limited back in September. Loving it so far. Handles great in the mountains and for some light offroading.

Right now I'm adding a bike rack to the back and I'm considering installing some skid plates for better offroad capabilities.

HawkeyePierce

AerialWombat wrote: ↑Sun Feb 07, 2021 10:55 am
FreelancerNYC wrote: ↑Sun Feb 07, 2021 1:36 am Ok, I’ll bite. What boot camp are you referring to?
Galvanize. They have locations around the country.

Galvanize has some good programs. We've hired a handful from their programs and we're a top-tier tech company.

CodeUp down in Texas is also pretty good.

HawkeyePierce

I would think a VPN should take care of this problem for you. ExpressVPN and Private Internet Access are two popular ones. Combined with “HTTPS Everywhere” I wouldn’t worry about public wifis for one more second A VPN adds literally no security in this scenario. Would it hurt? Yes. You have no more...

HawkeyePierce

My employer was the first large company to send everyone home last year. We've already announced that anyone who wants to WFH permanently after the pandemic can do so, and you can work from anywhere you want in the US.

I'm already considering a move to southwest Colorado.

HawkeyePierce

Depends on the bootcamp.

HawkeyePierce

ScubaHogg wrote: ↑Sat Feb 06, 2021 3:03 pm I would think a VPN should take care of this problem for you. ExpressVPN and Private Internet Access are two popular ones. Combined with “HTTPS Everywhere” I wouldn’t worry about public wifis for one more second

A VPN adds literally no security in this scenario.

HawkeyePierce

The risk of using public wifi is overstated. There is no risk in accessing your brokerage on hotel wifi.

HawkeyePierce

Consider also that as retail investors, we don't own enough of any one company for our actions to make much of a difference on share prices.

Whether Vanguard does or does not lend out your NIO shares is immaterial, nobody would be able to see the impact on NIO's share price one way or another.

HawkeyePierce

Wow, this is not good! I am guessing Fidelity did this to cut down on cost of each SMS/phone message and scaling their systems to send them. But, there are alternatives like TOTP or U2F that are both free (no cost per login) and more secure (not delivered over that phone network), hopefully these a...

HawkeyePierce

Tech companies benefit from economies of scale and low marginal costs. A company that owns data centers or cell towers cannot do that—their scale is limited by how much land they buy.

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