Bogleheads.org

Tejfyy

I think I'll stick with the tried and true polluters in my index fund.

Bitcoin mining in China could soon generate as much carbon emissions as some European countries, study finds.
https://edition.cnn.com/2021/04/09/bus ... index.html

Tejfyy

A bit of information. I'm in the process of deleting my data from and opting out of the myriad of data-brokers. It's time consuming and paid services exist that'll do it for you. I called Epsilon instead of using their online form. The person that handles their privacy issues (the only person) told ...

Tejfyy

Has anyone successfully opted out of or deleted their MyLife.com profile? Apparently one way is to access your free account and control what's published yourself. Sounds dubious though. Here are a couple of resources I've found. https://brandyourself.com/blog/privacy/opt-out-remove-information-from-...

Tejfyy

I send takedown requests to the likes of whitepages, spokeo, etc al and try to promote my own content, website, etc. I didn't know about that. Does it actually work? I've become skeptical of so much on the web. I curate mostly by not participating any longer and using fake names. Regarding curating...

Tejfyy

I e-filed Feb 15 with H&R Block, still no sign of federal refund.

Tejfyy

Counter-revolution and revolt
by Herbert Marcuse, 1972

I'd recommend this book to anyone who hasn't read it.

Tejfyy

I spent $200 on Amazon last year, this year I'm shooting for zero. I recently used Bestbuy with a guest account for a monitor and picked it up myself. I'm finding ebay handy too. I like that you can check-out with a guest account. But 98% of my purchases are in person.

Tejfyy

I too think if you're going the MBA route face to face is preferable. But don't discount a hybrid program i.e., online and f2f.

Tejfyy

I'm trying to convince myself to retire at the end of this year. I've been putting it off for the last 2 years. I'm wired to work and to save money. The idea of not working, having no income and spending my savings at age 62 seems very weird. I'd also be giving up a very healthy paycheck. However, ...

Tejfyy

I haven't used an agent, but I found this guy's advice regarding reconciling on taxes useful. I had emailed him a rather complex question and he responded within a couple of days. https://insuremekevin.com/

Tejfyy

Re your asset allocation dilemma: It doesn't matter how you calculate your AA as long as the ratio is meaningful to you and you are consistent. Your "need, ability and willingness" to take equity risk is the issue, not the number that you calculate as its proxy. Most people do not include...

Tejfyy

You will provide CoveredCA an estimate for your total income for the year and that figure will be used to determine the level of your subsidy. Income will include dividends and capital gains as well as your earned income in the calendar year you are receiving coverage. CoveredCA will pull your tax ...

Tejfyy

Following this thread as I too am in California and my health insurance is looking quite complicated for this year. My employment is completely unknown. I currently have a high deductible plan for $330 through Kaiser. I'm about to print my paycheck (self-employed) for the first five weeks of 2020 b...

Tejfyy

In the past I had a side consulting business which I almost always had a loss on because of business expenses. No big numbers, but it did impact my overall income taxes. This was before the standard deduction was so big. Turbo Tax or H&R Block tax software make it easy to do. I'm using H&R B...

Tejfyy

I’m planning on using the VPW for retirement withdrawals. I’m in early/semi-retirement, that is I work freelance and may have work this year or not. And perhaps next year and the following. Who knows. So I’ve started drawing on my CDs for income. I’m comfortable with an AA of 50/50 which I have when...

Tejfyy

Kind of off-topic, don't you think? Like it or not, despite his (deep) flaws, he's also achieved the impossible. Not just anyone can get a new electric car company successfully launched in the USA. Nor teach themselves enough to become their own chief rocket engineer (for a little while) and actual...

Tejfyy

Elon Musk is not known for his generosity. He recently got called out for not donating anything to charity. He tweeted to ask for ideas on how to give money away. So what do we make of such an individual who seems to have captured the attention of so many people as someone "inspirational?"

Tejfyy

Picasso wrote: ↑Tue Feb 09, 2021 1:28 pm
100% agree. You both have a friend in me. My values and ethics are worth more than a cheap chicken.

Tejfyy

https://www.pionline.com/defined-contri ... aight-year

I wonder what the rationale is and what to make of it as an investor.

Tejfyy

Incredibly cheap loss leader food product of highly questionable origin and supply chain pumped full of stuff that isn’t good for you! Alternate headline: American poultry industry full of Machiavellian villains who don’t care for the welfare of the birds they raise, much less their consumers. Alte...

Tejfyy

I was raised in a minimalist household in the '50s and '60s. I have no desire to return to living in a rowhouse in downtown Baltimore. Minimalist out of choice or necessity? It sounds like necessity, which is something else I think. Friends of mine who've grown up in working poor families, have bui...

Tejfyy

You'll need to file tax returns in both countries as well as CA. Our tax returns ran 100 pages and had to be professionally prepared due to the tax treaties and investments in both countries. Looks like from your signature that you're in Isreal. Isn't there an equivilent investment firm? Americans ...

Tejfyy

I recommend getting there first, going to school, getting a job, etc, etc.. You appear to be putting the cart before the horse. The world in 40 or so years is utterly unknown and no amount of planning is going to change that. Live your life. Have direction and intentions 'cause that's all you can re...

Tejfyy

Can these “get rich quick” investors make money consistently year after year for 40-50-60 years? Probably not. On the other side of the coin, can they remain disciplined with their big winnings and not blow it? That’s the other question. I’m content (most days) with my index funds. I would love you...

Tejfyy

Over the last 10 years I’ve become increasingly observant and concerned about my “privacy.” In the case of DNA and medical information, I’m not immediately concerned with nefarious goings on as much as with the infringement itself and its meaning in a democracy. In other words the longterm implicati...

Tejfyy

I'm using Premium and finding it doesn't handle PTC repayment that needs to be calculated as self-employment health insurance deductions. I may go into the forms themselves and recalculate manually or get a tax person to help with this conundrum. https://insuremekevin.com/irs-2019-health-insurance-s...

Tejfyy

I block all online ads, don't watch TV and don't talk to telemarketers. Same here on all three accounts. I use Adblocker Ultimate and another trick most people don't know is toggling to Reader View (Firefox) to get rid of all the noise on a webpage. It's actually an accessibility feature. What adve...

Tejfyy

I'd been baking my own bread, using store-bought, organic, whole wheat flour until I began buying freshly-milled organic flour direct from the mill and what a difference. The flour is so much more alive, literally. Do you mind me asking what mill you order from? I didn't know you could do this. Tha...

Tejfyy

Not to sound discouraging but no one seems to be considering the pandemic and its near and long term impact on well... everything. I don't envision things ever going back to pre-pandemic days and "movement" is certainly going to affected. +1 to the above. another item to consider is the w...

Tejfyy

This seems to be an ongoing problem with software packages. I’ve read threads here and elsewhere and I’m still baffled. I’m self-employed and have to repay the PTC. I’m using H&R Block desktop which does all your business calculations before handling the marketplace health insurance. On the scre...

Tejfyy

Use a password manager. I feel this is a risk rather than a feature. if somehow, the password manager is hacked, hackers get everything. So I'm staying away. I never click on links by email. I bookmark my financial institutions' website and directly go to them. It's not. A password manager reduces ...

Tejfyy

Do you have any relationship to Portugal, any understanding or interest in the culture, the people, the language?

Tejfyy

Raybo wrote: ↑Fri Jan 22, 2021 2:45 am Learning a new language ... isn't a huge barrier for someone motivated to do so.

I disagree particularly for a monolingual native English speaker.

Tejfyy

Not to sound discouraging but no one seems to be considering the pandemic and its near and long term impact on well... everything. I don't envision things ever going back to pre-pandemic days and "movement" is certainly going to affected. Here's one real-world example. A couple (friends) b...

Tejfyy

I was in college in 2008 and not yet investing, so spring 2020 was my first real bear market as a professional. I was working at the time, socking away I good percentage of my monthly pretax salary because I didn't need it because I just don't spend a lot of money even if I have it. And though I wa...

Tejfyy

freyj6 wrote: ↑Fri Jan 22, 2021 9:47 pm It's strange to think about the prospect of a coffee costing $6 having something to do with the way your portfolio is structured.

The prospect? People already spend $6 on a cup of coffee where I live. I'm not sure what you're saying.

Tejfyy

(easy example...The cheapest phones have stayed the same price, midrange phones have gotten a little more expensive, flagship phones have more than doubled in cost) Paying more for exponentially better products isn't inflation, though. If I chose to replace my iPhone 7, I would pay half the price f...

Tejfyy

I don't think it's necessary to be absolutist about the lowest fees, just keep your eyes open, do the math, and be smart about your choices long term. When I found my way to the Bogle mindset, the math of ERs just made too much sense to rethink, overthink or mess with. I accepted it as the fact tha...

Tejfyy

I'd been baking my own bread, using store-bought, organic, whole wheat flour until I began buying freshly-milled organic flour direct from the mill and what a difference. The flour is so much more alive, literally.

Tejfyy

I grew up in a small town in northern NJ in the Town-A end. The schools at the time were excellent. When it came time to go to high school--it was "regional"--my mother sent us to a private school, which was wise on her part. I got a much better education and benefited from the "disci...

Tejfyy

Like others, I remembered my investment strategy. In March last year, I didn't look away because that's a kind of frightened response. I did though check in less thinking there was no need to watch the play by play, and just rode it out.

Tejfyy

Check out https://tutanota.com/ as well as Proton.

Tejfyy

I used Lastpass for some years, mostly as a premium user until last year. The renewal price had doubled I think, but more importantly I wanted to get off the cloud. So I'm using Strongbox, the free version. It's a local database. It's not as convenient as Lastpass was but I'm increasingly opting for...

Tejfyy

I agree with DocInColo, the laptop itself isn't your biggest threat particularly if it's in your house, one that's locked and perhaps with a security alarm to boot. I'm a laptop user, Mac, my machine never leaves my house. The most recent change in my security habits has been moving my password mana...

Tejfyy

I received a check in the mail the first time. This ridiculous card just came in the mail. I don't want to sign up for an account, gimme me a break. Just send me a check again. You cannot convince me that this process is more efficient and thus effective for me the user and the provider (the gov). A...

Tejfyy

In person, the conferences have been drawing around 100 people. A majority of our membership is retired and not tech savvy. We have a single session at a time so it doesn't have to be very fancy. I would stick with Zoom then. It's user-friendly enough for your audience and while it'll require a bit...

Tejfyy

"1Password survey confirms how online security has permeated every phase of family life, from nursery school to the golden years." https://www.prnewswire.com/news-releases/report-40-of-parents-give-preschoolers-a-head-start-in-password-education-301194976.html Some interesting data in ligh...

Tejfyy

I'm trying to estimate the expected real return for my portfolio (for Amortization Based Withdrawals). How can I estimate the return for my bonds? Assume they're all in BND. I was using the SEC Yield, which is currently 1.13% per vanguard. Then I subtract the projected inflation rate, which is arou...

Tejfyy

2FA is over-rated if you set reasonably complex passwords and practice good computer hygiene. But if you routinely visit sketchy web sites and are sloppy with account maintenance, then it would be useful to set up 2FA. I agree 2FA is over-rated. Using unique passphrases, designated email accounts, ...

Tejfyy

I just downloaded from Block's website, the premium was $42.22. Deluxe+state $29.22.

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