Search found 625 matches

by cacophony
Thu May 06, 2021 4:49 pm
Forum: Personal Consumer Issues
Topic: Best options for squashing scammer phone calls?
Replies: 19
Views: 1187

Re: Best options for squashing scammer phone calls?

Another option for the landline is the Sentry Call Blocker 3.1, which requires any first time callers to hit "0". I've never used one but the reviews seem positive.
by cacophony
Thu May 06, 2021 4:06 pm
Forum: Personal Consumer Issues
Topic: Best options for squashing scammer phone calls?
Replies: 19
Views: 1187

Re: Best options for squashing scammer phone calls?

FWIW, I'm pretty sure the Nomorobo integration with Ooma does not ring the phone at all
by cacophony
Thu May 06, 2021 3:48 pm
Forum: Personal Consumer Issues
Topic: Best options for squashing scammer phone calls?
Replies: 19
Views: 1187

Re: Best options for squashing scammer phone calls?

Maybe port the landline to Ooma? Ooma has pretty robust spam call blocking if you pay for the premier service (~$10/month). It's highly configurable via a web interface and includes the option of blocking known spammers, suspected spammers (via Nomorobo), manually blocking names or numbers, only all...
by cacophony
Thu May 06, 2021 1:40 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners insurance: How much ordinance or law coverage do I need?
Replies: 5
Views: 481

Re: Homeowners insurance: How much ordinance or law coverage do I need?

Huygens wrote: Wed May 05, 2021 10:54 pm ... How should I decide? What are the factors I should consider?
If the dwelling is very much behind code right now that would be a big factor.
by cacophony
Wed Apr 28, 2021 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Are my expenses too high?
Replies: 130
Views: 11679

Re: Are my expenses too high?

Cell phone 120. Probably could get that down to 30ish.....pm me. Whoa..... Decent cell phone service on a high end smart phone is going to cost $100 or more. Don't go cheap on this one. What are you basing this opinion on? There are many options for getting a huge amount of fast LTE data plus unlim...
by cacophony
Thu Apr 22, 2021 5:50 pm
Forum: Investing - Theory, News & General
Topic: Bogle's comment on rebalancing
Replies: 59
Views: 3880

Re: Bogle's comment on rebalancing

The rebalancing method is perfectly valid; drifting is valid; staying your strategy is the point. I agree that drifting can be valid, but it makes for extra decisions that I, personally, don't want to make. It also calls into question one's thinking on asset allocation. If, in fact, one has a toler...
by cacophony
Sun Apr 11, 2021 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can I early retire from my corporate job?
Replies: 60
Views: 10972

Re: Can I early retire from my corporate job?

25 years of super high income will yield more SS than 35 years of average income. Even though the OP makes 500k a year for social security purposes I believe they are maxed out at 142k this year. So the 25 years they've worked will be limited to the max each year. I agree. The question is which SS ...
by cacophony
Sun Apr 11, 2021 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Can I early retire from my corporate job?
Replies: 60
Views: 10972

Re: Can I early retire from my corporate job?

Not sure if it makes a difference for you, but remember that social security is calculated off of your highest 35 years of earnings. So if you have worked 25 years you're going to end up with 10 years of $0 income. 25 years of super high income will yield more SS than 35 years of average income. Ev...
by cacophony
Wed Apr 07, 2021 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Minimum Net Worth for a Trust
Replies: 10
Views: 2211

Re: Minimum Net Worth for a Trust

In California probate costs a lot more than what most trusts would cost, even with a modest estate. A $200k estate would result in $14k in probate fees according to an online calculator I tried. A $1MM estate is $46k in fees. Setting up a simple trust is what a few thousand? Seems worth it even for ...
by cacophony
Sun Mar 14, 2021 4:04 pm
Forum: Forum Issues and Administration
Topic: Feature request: Notification indicator visible on front page
Replies: 6
Views: 477

Re: Feature request: Notification indicator visible on front page

I primarily utilize the front page (https://www.bogleheads.org/) because it nicely aggregates all the sub forums. And when clicking on a link it conveniently takes you to the first post you haven't read. The problem with this is that you never see notification(s) for new posts in subscribed threads...
by cacophony
Sun Mar 14, 2021 3:55 pm
Forum: Forum Issues and Administration
Topic: Feature request: Notification indicator visible on front page
Replies: 6
Views: 477

Feature request: Notification indicator visible on front page

I primarily utilize the front page (https://www.bogleheads.org/) because it nicely aggregates all the sub forums. And when clicking on a link it conveniently takes you to the first post you haven't read. The problem with this is that you never see notification(s) for new posts in subscribed threads,...
by cacophony
Mon Mar 08, 2021 6:18 pm
Forum: Personal Investments
Topic: Dimensional Funds - Professionally Managed Account Question
Replies: 4
Views: 310

Re: Dimensional Funds - Professionally Managed Account Question

Some results: https://www.google.com/search?sitesearc ... erring+dfa

It sounds like you can transfer the funds elsewhere but can't buy new shares without an advisor.
by cacophony
Mon Mar 08, 2021 1:55 pm
Forum: Investing - Theory, News & General
Topic: Non-fungible tokens (NFTs): anyone investing in those?
Replies: 255
Views: 19000

Re: Non-fungible tokens (NFTs): anyone investing in those?

What's to prevent people from taking digital stuff off the internet that they don't own and selling it as an NFT? Or put differently, NFT may allow authentication of the item but how does it authenticate the seller? Only the seller can assign ownership to you. The blockchain verifies full provenanc...
by cacophony
Mon Mar 08, 2021 12:48 pm
Forum: Investing - Theory, News & General
Topic: Non-fungible tokens (NFTs): anyone investing in those?
Replies: 255
Views: 19000

Re: Non-fungible tokens (NFTs): anyone investing in those?

What's to prevent people from taking digital stuff off the internet that they don't own and selling it as an NFT? Or put differently, NFT may allow authentication of the item but how does it authenticate the seller? Only the seller can assign ownership to you. The blockchain verifies full provenanc...
by cacophony
Mon Mar 08, 2021 2:03 am
Forum: Investing - Theory, News & General
Topic: Non-fungible tokens (NFTs): anyone investing in those?
Replies: 255
Views: 19000

Re: Non-fungible tokens (NFTs): anyone investing in those?

What's to prevent people from taking digital stuff off the internet that they don't own and selling it as an NFT? Or put differently, NFT may allow authentication of the item but how does it authenticate the seller?
by cacophony
Sun Mar 07, 2021 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Can I avoid a prenuptial agreement if I do this?
Replies: 86
Views: 5177

Re: Can I avoid a prenuptial agreement if I do this?

I believe any capital gains during marriage would be subject to splitting. Same goes for theirs though. I don't think that's correct: https://www.avvo.com/legal-answers/in-divorce-in-ca-are-capital-gains-from-separate-p-2186069.html That's interesting, thanks. I'm still not sure how practical this ...
by cacophony
Sun Mar 07, 2021 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Can I avoid a prenuptial agreement if I do this?
Replies: 86
Views: 5177

Re: Can I avoid a prenuptial agreement if I do this?

Marseille07 wrote: Sun Mar 07, 2021 3:43 pm I believe any capital gains during marriage would be subject to splitting. Same goes for theirs though.
I don't think that's correct: https://www.avvo.com/legal-answers/in-d ... 86069.html
by cacophony
Sat Mar 06, 2021 5:19 pm
Forum: Personal Consumer Issues
Topic: Changes to LastPass free
Replies: 209
Views: 14843

Re: Changes to LastPass free

The author is criticizing LP and promoting (sor-of) his own PFP But if LP has vulnerability, others like PFP are not 100% safe. Common case is Malware installed on your computer (it could just read what you are typing). From other BH threads, I understood that for more security you need Yubikey, us...
by cacophony
Sat Mar 06, 2021 4:16 am
Forum: Personal Consumer Issues
Topic: Changes to LastPass free
Replies: 209
Views: 14843

Re: Changes to LastPass free

I think I pay $36 per year for LastPass. I'm surprised that a group that debates which $5,000 watch to buy is griping about such a miniscule fee for such an important service. I would expect such discussion on the Mr. Money Mustache forums, not Bogleheads. :confused It's only $2.50/month for a grea...
by cacophony
Sat Mar 06, 2021 3:48 am
Forum: Personal Consumer Issues
Topic: Changes to LastPass free
Replies: 209
Views: 14843

Re: Changes to LastPass free

One feature I've valued in LastPass is the one-time password. I disabled this feature in my LastPass setup - It is a security risk and allows others to gain access to your Vault if it becomes necessary. I have my master password available if I need it - in a couple of secure places. What is the ris...
by cacophony
Wed Mar 03, 2021 3:27 pm
Forum: Personal Investments
Topic: Fidelity HSA California strategy
Replies: 52
Views: 6880

Re: Fidelity HSA California strategy

Not sure whether I've missed anything but why complicate the CA HSA? DW and I have reported HSA CA state taxes for several years now as both of our employers offered HSAs w/ annual matching incentives. Last year DW's company moved to Fidelity HSA and I found it was just as easy to sort the informat...
by cacophony
Tue Mar 02, 2021 8:52 pm
Forum: Personal Consumer Issues
Topic: Changes to LastPass free
Replies: 209
Views: 14843

Re: Changes to LastPass free

OK, Switched to Bitwarden and I find it to be not as user friendly as LP. One of the things is that there are way too many clicks to autofill and I also miss the big icon display format in the Dashboard that makes it real easy. Otherwise it seems pretty good. I will probably keep my LP account inac...
by cacophony
Sun Feb 28, 2021 2:25 pm
Forum: Non-US Investing
Topic: Mid-30s Male India -- Seeking FIRE life in about 10 years
Replies: 9
Views: 1827

Re: Mid-30s Male India -- Seeking FIRE life in about 10 years

...70% FAANG... This is the biggest risk to your financial future. I would dial it way back, hopefully down to 10% - 15%, but I know zealots and "true believers" would have a hard time with less than 25%, until it knocks them for a loop like the dot-com bust in around 2000. We told you so...
by cacophony
Fri Feb 26, 2021 11:14 pm
Forum: Personal Consumer Issues
Topic: Changes to LastPass free
Replies: 209
Views: 14843

Re: Changes to LastPass free

What is this? Good question, cacophony--I think the answer is "Confusing!" as the answer depends on Android vs iOS. The article you reference (theregister.com), however, reiterates that the LastPass Android app has SEVEN trackers and 1Password and KeePass has ZERO. The article continues: ...
by cacophony
Fri Feb 26, 2021 8:26 pm
Forum: Personal Consumer Issues
Topic: Changes to LastPass free
Replies: 209
Views: 14843

Re: Changes to LastPass free

While it seems possible to lock down the Lastpass tracking cookies, they don't seem like a best practice. The article notes, “There are solutions that do not permanently send data to third parties and record user behavior.” https://www.theverge.com/2021/2/26/22302709/lastpass-android-app-trackers-s...
by cacophony
Wed Feb 24, 2021 12:57 am
Forum: Personal Consumer Issues
Topic: Air Purifier
Replies: 37
Views: 2393

Re: Air Purifier

Anyone have suggestions on an air purifier? I’ve read quite a few reviews and it seems there are a variety of good ones (BlueAir 411, Dyson Hot/Cool, Honeywell) and some over-hyped poor quality (Molekule) but was wondering if anyone could provide input. I live in an 800 sq foot apartment and my bud...
by cacophony
Tue Feb 23, 2021 6:15 pm
Forum: Personal Investments
Topic: Advice on Mega Backdoor Roth
Replies: 16
Views: 875

Re: Advice on Mega Backdoor Roth

. I plan to keep after-tax contributions in a stable value fund(money market) fund so there are not a lot of earnings(& less tax to pay at conversion). I understand that I lose time out of the market but hopefully having less tax helps. Any advice on this? I just wanted to ask if you have confi...
by cacophony
Thu Feb 18, 2021 1:40 pm
Forum: Personal Consumer Issues
Topic: Changes to LastPass free
Replies: 209
Views: 14843

Re: Changes to LastPass free

I been a LP lifer but can't get used to BW. I was able to import my pw but BW required one to move the cursor all the way up to the upper left area and click on their icon in order to populate the pw. Am not liking this additional steps. W LP the same icon is located right next to the forms box. Wa...
by cacophony
Thu Feb 18, 2021 3:04 am
Forum: Personal Consumer Issues
Topic: Changes to LastPass free
Replies: 209
Views: 14843

Re: Changes to LastPass free

MrJones wrote: Thu Feb 18, 2021 2:53 am Switched to BitWarden. Took me about an hour. 5mins to export and import 99%, and the remaining to fix a couple of small import problems on 2 or 3 sites...
Were the issues identified as part of the import process?
by cacophony
Mon Feb 15, 2021 6:06 pm
Forum: Investing - Theory, News & General
Topic: Taking profits
Replies: 8
Views: 1092

Re: Taking profits

I started investing about 3 years ago (I think). When I started I didn't really know what the difference was between the funds and It just so happened I'd chose BG. I ended up having money over about 5 or 6 different active funds. I started reading some Bogle about a year ago and switched each of m...
by cacophony
Fri Feb 05, 2021 6:52 pm
Forum: Personal Consumer Issues
Topic: What are your staple healthy meals?
Replies: 122
Views: 10084

Re: What are your staple healthy meals?

Bowl of oatmeal with no added sugar. Cinnamon and raisins to taste. Bowl of oatmeal with walnuts, blueberries, flaxmeal, chocolate-flavored protein powder with maltodextrin, and made with diet Dr Pepper to add caffeine and artificial sweetener. I got this recipe off the internet somewhere. Cut up a...
by cacophony
Thu Feb 04, 2021 9:05 pm
Forum: Investing - Theory, News & General
Topic: Does it make sense to buy houses worth $3M and pay almost $50K each year in property taxes
Replies: 61
Views: 7738

Re: Does it make sense to buy houses worth $3M and pay almost $50K each year in property taxes

I think it's interesting to look at the property tax rolls and see how many people are living in multi-million dollar houses and yet paying hardly anything in property taxes either because they've lived there a very long time or they inherited the house. There's a very lopsided property taxation sy...
by cacophony
Tue Feb 02, 2021 12:59 pm
Forum: Personal Consumer Issues
Topic: Car hit in parking lot (no note)
Replies: 70
Views: 6402

Re: Car hit in parking lot (no note)

I agree that it's almost certainly the truck based on what you've posted. Have you measured the height of the circled hook and compared to the damage area on your car?
by cacophony
Mon Feb 01, 2021 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Is there harm in maxing out credit card?
Replies: 27
Views: 1493

Re: Is there harm in maxing out credit card?

kabob wrote: Mon Feb 01, 2021 1:44 pm Absolutely - Ones supposed to Collect Interest - Not Pay it!
Why would the OP be paying interest if it was paid off the next day?
by cacophony
Fri Jan 22, 2021 12:38 am
Forum: Personal Investments
Topic: High Income - should I max my 401k contributions early in the year?
Replies: 27
Views: 2482

Re: High Income - should I max my 401k contributions early in the year?

Assuming your company match is capped at some match %, no, you'd be further ahead to contribute up to over over that max throughout the calendar year. Otherwise, you'd be giving up that company match after you cut back/off the 401k contributions. If you're company matches everything w/p limit, sure...
by cacophony
Sat Jan 16, 2021 5:58 pm
Forum: Personal Consumer Issues
Topic: Calling all Amica insurance people. Will I get a discount for pleasure driving?
Replies: 11
Views: 1269

Re: Calling all Amica insurance people. Will I get a discount for pleasure driving?

In my experience with Amica you can get a MUCH bigger discount if you leave Amica. When I shopped my policy around Amica was among the most expensive and by a very significant amount. You probably didn't take into account the large dividend one gets each year. OP, Amica has 24/7 customer service, g...
by cacophony
Thu Jan 14, 2021 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Options for healthcare during FIRE (but before 65)?
Replies: 141
Views: 10660

Re: Options for healthcare during FIRE (but before 65)?

Are there any better options? I don't know if it better or not but COBRA is an option. Normally it is 18 months but a few states(CA and NY, ???) have expanded that to 36 months but they may call it something else. Some people don't realize that their state allows you to use COBRA for 36 months. Ext...
by cacophony
Sun Jan 10, 2021 8:24 pm
Forum: Personal Consumer Issues
Topic: Can a car have problem if you drive very little?
Replies: 34
Views: 2750

Re: Can a car have problem if you drive very little?

Short trips mean you'll need a battery tender. But the potentially larger and more expensive issue long term is that only doing a 1/2 mile trip doesn't allow the engine to fully warm up which results in excessive condensation. That's bad for the engine. You should do a 20+ minute drive at least once...
by cacophony
Sun Jan 10, 2021 7:36 pm
Forum: Investing - Theory, News & General
Topic: Lose $500k quickly
Replies: 22
Views: 4725

Re: Lose $500k quickly

Investing in equities should be a long term strategy, not one where you're judging the effectiveness of a decision based on what happens over a short time period. Had you been investing a reasonable amount in equities over the past 40 years, market drops would have resulted in temporary reductions t...
by cacophony
Sun Jan 10, 2021 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Prop 19 CA Inheritance Property Implications
Replies: 204
Views: 13218

Re: Prop 19 CA Inheritance Property Implications

Can you provide a link to those lawyers and their statements? Because in researching and creating trusts, I was specifically advised by multiple trusts and estates lawyers that once transferred into a trust, a property does not receive a step up in basis. I was looking at dynasty and grantor trusts...
by cacophony
Sun Jan 10, 2021 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Prop 19 CA Inheritance Property Implications
Replies: 204
Views: 13218

Re: Prop 19 CA Inheritance Property Implications

The biggest issue/drawback with putting the property into a trust is your heirs will not receive a step up in basis . However as the step up in basis may soon be eliminated, that may be a moot point anyway. Right now there's a lot of uncertainty. It nearly impossible to know which way to go. Also i...
by cacophony
Sun Jan 10, 2021 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Prop 19 CA Inheritance Property Implications
Replies: 204
Views: 13218

Re: Prop 19 CA Inheritance Property Implications

We finally talked to my mother's estate attorney who recommended she do nothing because: 1. Deeding house now takes away future gifting/flexibilities 2. Deeding house to multiple children/in-laws increases liabilities (lawsuits/creditors) going after house if in children's names. 3. Deeding house f...
by cacophony
Sun Jan 10, 2021 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Prop 19 CA Inheritance Property Implications
Replies: 204
Views: 13218

Re: Prop 19 CA Inheritance Property Implications

We finally talked to my mother's estate attorney who recommended she do nothing because: 1. Deeding house now takes away future gifting/flexibilities 2. Deeding house to multiple children/in-laws increases liabilities (lawsuits/creditors) going after house if in children's names. 3. Deeding house f...
by cacophony
Tue Jan 05, 2021 1:27 am
Forum: Personal Investments
Topic: Can I create generational wealth?
Replies: 193
Views: 19463

Re: Can I create generational wealth?

carminered2019 wrote: Mon Jan 04, 2021 10:40 pm I wonder what was the average monthly income 100 years ago ?
According to the IRS, the average monthly income in 1920 was $272.45
by cacophony
Sun Jan 03, 2021 2:47 am
Forum: Personal Investments
Topic: Vanguard Tax Managed Small Cap Fund
Replies: 15
Views: 1427

Re: Vanguard Tax Managed Small Cap Fund

The high turnover is due to tax loss harvesting to prevent capital gains from being distributed.
by cacophony
Fri Jan 01, 2021 8:15 pm
Forum: Personal Investments
Topic: 400K CD maturing within weeks, how to invest it?
Replies: 43
Views: 5158

Re: 400K CD maturing within weeks, how to invest it?

bogle005, Did anyone bring up munis? Vanguard has a California muni. Not yet. what's the advantage of muni, and their interest rate? Currently considering putting 65%, 15%, 20% allocation of ~1M after CD matures to VTSAX , VTIAX , VBTLX respectively (nothing in CDs). But concerned about lower retur...
by cacophony
Fri Jan 01, 2021 5:27 pm
Forum: Personal Investments
Topic: 400K CD maturing within weeks, how to invest it?
Replies: 43
Views: 5158

Re: 400K CD maturing within weeks, how to invest it?

bogle005, Did anyone bring up munis? Vanguard has a California muni. Not yet. what's the advantage of muni, and their interest rate? Currently considering putting 65%, 15%, 20% allocation of ~1M after CD matures to VTSAX , VTIAX , VBTLX respectively (nothing in CDs). But concerned about lower retur...
by cacophony
Thu Dec 31, 2020 11:04 pm
Forum: Personal Investments
Topic: Longtime Boglehead Seeking Portfolio Advice
Replies: 6
Views: 577

Re: Longtime Boglehead Seeking Portfolio Advice

I agree with number 1. Number 2 is what I would do. It moves you away from simplification but I agree with the rebalancing aspect. I agree with number 3 if you feel you have an adequate emergency fund or emergency plan. On 4, you need a plan and an AA you will stick with... Thanks for the feedback!
by cacophony
Thu Dec 31, 2020 3:28 pm
Forum: Personal Investments
Topic: Longtime Boglehead Seeking Portfolio Advice
Replies: 6
Views: 577

Re: Longtime Boglehead Seeking Portfolio Advice

What's your tax filing status? MFJ or single or something else? If you're MFJ, I would move all IRAs into 401k (if allowed; I'm assuming the IRAs are all pretax; most 401ks seem to accept that type of incoming transfer). That assumes 401k has decent options for stocks and bonds/fixed income. This w...
by cacophony
Thu Dec 31, 2020 3:18 pm
Forum: Personal Investments
Topic: Longtime Boglehead Seeking Portfolio Advice
Replies: 6
Views: 577

Re: Longtime Boglehead Seeking Portfolio Advice

lazynovice wrote: Thu Dec 31, 2020 3:11 pm Do you consider your emergency fund in these numbers or is it separate?
Yes, it's part of the 3.4 % cash number