Bogleheads.org

benway

I'm curious how people are handling this? I'm tempted to take advantage of this and transition more into cash, but then I think I have 5 more years before retiring and some of my money I won't touch for 25 years so the market may recover if it crashes again. I get it. How do I deal? I reason that I...

benway

Filed and accepted evening of 3/5. Deposited 3/12.

benway

Are you able to change your email password without your phone?

benway

If you use a Windows PC, create and use a separate user account rather than the administrator account. Within that user account, enable "Controlled Folder Access" under "Ransomware Protection". Search for this term in your search bar and it will take you to the setting. Note that...

benway

Does this have any important significance to bonds and/or stocks? https://www.marketwatch.com/story/10-year-treasury-yield-surges-above-150-after-awful-debt-auction-2021-02-25 Yes, it does. This is quite interesting. So at this auction, the treasury tried to sell 10 year bonds at a certain price, a...

benway

CCD wrote: ↑Tue Feb 16, 2021 3:40 pm Do you guys know if you can share passwords with another user with the free version of Bitwarden?

Thanks,
CC

You can. The secondary user also needs to set up a free account. Then the primary user creates a shared collection and invites the secondary user to access the collection.

benway

I moved from 1Password to Bitwarden. I like it. Does everything I need and I find it handles auto-fill very well on a PC (with browser add-on) and iPhone. It also has a nice desktop application. The free version does everything I need but I will pay the $10 per year for the extra features and to sup...

benway

I'm looking for a way to get an alternate phone service that will save me from having to give out my primary cell phone number at websites that require a phone number to proceed or other uses. T-Mobile offers additional lines through their Digits app: https://www.t-mobile.com/offers/t-mobile-digits

benway

What is your breakfast cereal of choice these days?

I’ve been eating oatmeal with walnuts, raisins and cinnamon as well as Heritage Flakes and Lidl’s Bran Flakes.

I spent too much time at the store today hoping to find a bran cereal with no added sugar or artificial sweeteners but no luck.

benway

I've been using Google Voice as my second factor for quite some time and have text message based two-factor authentication (2FA) text codes sent to that number. I also use Authy for PIN based 2FA where possible. However, I just ran across this warning from 2014 on Authy's website: Over the past few ...

benway

When HBO Max first launched on the Roku, I had a problem launching the app but not buffering during playback. This was resolved after about 2 weeks. I have a 2018 Roku Ultra.

benway

Also, if you file jointly, does each filer have to have an PIN? Been filing MFJ with 1 IRS PIN for the last 5 years with H&R Block desktop software, never experienced any problems. I assume only one spouse has a pin? I just signed up for a pin and my spouse will this weekend. We file MFJ. My un...

benway

I work at a university and when my colleages retire or leave I resell their textbooks. Most of them but especially retirees don't want to take their old books with them so they are put in a common area. I learned more than a decade ago how valuable these books were so I go through them as soon as t...

benway

1. Completing my college degree.
2. Accepting new positions at competing companies for either a substantial raise, promotion or both.

benway

I just spoke with Fidelity about this the other day. It is the SEC fee and is currently $22.10 per million.

https://www.sec.gov/news/press-release/2020-7

benway

As mentioned previously, many states shield Roths, 401ks, and tIRAs from creditors. This influenced my decision on how much coverage I wanted.

benway

This is perplexing to me because I can't remember ever being asked for my Social Security number or authorization for a credit score check when getting quotes for auto insurance. In fact, just last week I received two quotes without my credit score being checked to the best of my knowledge. Do insur...

benway

As another data point of comparison to the above, over the same time period Vanguard Intermediate Term Treasury (VFITX) lost 1.78% compared to total bond (VBTLX). This was 4.68% less than the VBTLX loss. Different risk profile but the difference may be meaningful for some investors. https://i.postim...

benway

Also, use a non-administrator account on your computer for regular use. If using Windows also use “Controlled Folder Access” under Windows Security settings if you wish to have extra protection from ransomware. This can be a little tricky getting programs to install and run after you enable it so th...

benway

If you must use a cell phone number for two-factor authentication on a website (rather than an app like Authy, etc.), use a free Google Voice phone number and make sure you have 2FA set up on your Google account. Your Google Voice number should in theory be more difficult to hijack than using your c...

benway

Post removed.

benway

I sat down the other day to try and tidy some things up passwords wise...good lord I have about 50 different things I log into with it seems about 75 passwords....anyone have a better plan? Thanks in advance!! I’ve been a Keepass user for years but I recently tried 1Password, Lastpass, and Bitwarde...

benway

My solution to the stink has been: 1. Use Only the detergent measure that comes with the detergent and use a little less than it indicates. I no longer use the one in the tray, which is a lot more per load. I read somewhere that using too much Detergent doesn’t rinse completely and makes it much eas...

benway

I book online and put my needs in the comments. Then, I almost always have success calling the hotel the day of or one day prior to arrival and asking nicely for the type of room I’d like. Make sure you dial the hotel directly and don’t get diverted to the national reservation desk. Most of the tim...

benway

I book online and put my needs in the comments. Then, I almost always have success calling the hotel the day of or one day prior to arrival and asking nicely for the type of room I’d like. Make sure you dial the hotel directly and don’t get diverted to the national reservation desk.

benway

Here's a link to the SEC filing for these funds. You'll need to scroll to find the funds or use Ctrl+F to search the page for the fund name: https://www.sec.gov/Archives/edgar/data/35315/000119312519096538/d928702d485apos.htm The small cap value fund shows total operating expenses of .05% and follow...

benway

Back in 2016, Larry Swedroe wrote that the large majority of his clients have roughly a .3 value and size loading- https://www.bogleheads.org/forum/viewtopic.php?f=10&t=193537&start=50 According to Portfolio Visualizer, the following ETF combination gives a .3 size and value loading. IVV (S&...

benway

Can’t comment on screen protectors but I just bought a new case. I ended up with an Otterbox Symmetry. I found the quality was much better than others I looked at. You can check them out at Best Buy if you want to see before you purchase. I am very pleased.

benway

Yes, you can. The question in my mind is should you and only you can answer that question.

benway

50/50

benway

I've tracked our expenses. Non-discretionary spending is approximately two-thirds of total spending. It was valuable for me to see what it would take for me to get by without the extras if I ever need to.

benway

I was thinking about this today. They seem to be really focused on improving and delivering more quality content so I’m inclined to continue at a higher price. I think it’s a good value for our household.

benway

Hi, I have used Gillette Mach 3 (disposable) and Sensor Excel for many years, but now want to transition off of them. Is there any other good quality alternative in the US market with a pivoting Head that adjusts to the contours of the face. 2 to 3 blades are enough for me. I’ve been using Schick H...

benway

Thank you for your reply. One can look at it from different angles, and the fact is we don’t know which is the correct way. VTI and VOO have an 83% composition overlap by weight. Is that low enough? Some are comfortable with that and others not. See- https://www.barrons.com/articles/tax-strategies-f...

benway

According to portfoliovisualizer.com, the total US funds have a 1.0 correlation and the total international funds have a .99 correlation. By that measure, they seem substantially identical. Read the hundreds of discussions about "substantially identical" here on the forum - I think you'll...

benway

According to portfoliovisualizer.com, the total US funds have a 1.0 correlation and the total international funds have a .99 correlation. By that measure, they seem substantially identical.

benway

Not sure if this has been reported elsewhere but Capital One 360 now offers the ability to designate beneficiaries via their web interface in addition to a printed form you can mail. I just added beneficiaries via the web. You must add them for each individual account you hold. Here's the link with ...

benway

Can you access iShares ETFs through your brokerage window? If so, there is iShares S&P Small-Cap 600 Value ETF (IJS). I myself would not pay 0.91% for a SCV fund. No, IJS is not available. I just saw a very new response to a similar thread here, saying that Vanguard small-cap-value fund (VSIAX)...

benway

Just read Jack Bogle's book (edited in 2017) and was a little discouraged about his comments that we should all expect lower returns in the next decade. For a 60/40 balanced fund it could be as low as 6% and even 4% in some circumstances. Am I misreading? Because if not, Id rather be in CDs and tak...

benway

I do not. However, I have thought about it and researched it.

benway

I received the following communication upon logging into my Fidelity account this morning. Although I did make my complaint about Full View known, the message was not addressed to me specifically and may have been sent to all users-- We are diligently working to address customer concerns related to ...

benway

I use Google Sheets and have a data page that I simply download and cut and paste the number of shares owned into. I have an additional tab where I pivot the data into totals and asset class allocation percentages. I also use formulas in an auto-updating TVM calculator based on my real expected retu...

benway

Thank you, everyone, for your excellent suggestions. I’ve already checked a few of these out of the library and I’m off to a great start. Much appreciated!

benway

I’m looking for recommendations for mood-boosting books. They can be fiction, poetry or non-fiction. My preference is for books that made you feel good rather than those that “changed your life” or any self-help books. What are some of the best books you’ve read that you found to be uplifting and wh...

benway

i was a yodlee moneycenter user, and migrated to fidelity when they shut it down. Not looking forward to re-adding all my accounts in yet another product. FWIW, I'm not flogging it for anyone else, but it appears to me that Yodlee rebranded the Account Consolidation product as Money or Envestnet (&...

benway

I read about this in the news recently and setting up “port validation” is being recommended by cell providers to protect against this.

https://www.nbcnews.com/business/consum ... nt-n859986

benway

Meets expectations. No question in my mind. How and if you document it in review is mgr. decision but meets expectations rqting would be my call.

benway

Not a book, but the WSJ article Taylor references in this thread:

Dr. Bernstein, How to Tell if Your Retirement Nest Egg is Big Enough
viewtopic.php?t=198079

benway

My dad has this, so unfortunately, I know it well. Luckily my mom and dad saved well; they have over 1mm in the bank and investments. Damn good thing, too, because his mental care home is eating up 9k a month... I'm not doing anything special. I mean, how can you prepare to be in a head-on car cras...

benway

Stock investor, I’m not going to pass judgement on you. I don’t know you, your background, circumstances, health, family situation or much of anything else. The facts are you made a very risky bet for reasons only you can answer, it didn’t pay off and now you need to weigh the best choices for you g...

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