Bogleheads.org

brad.clarkston

Ok, fair, some (most?) people will be scared and won't be able to commit to buying during a crash. I don't think I'm one of them. I used all my cash to buy stocks in the covid crash, and I'm very confident when the math is on my side. I'm not saying it's a dumb idea but you will not know how scared...

brad.clarkston

To me that's a lot of "maybe" the only guaranteed thing in that group is always maxing out the Roth until they make you stop.

brad.clarkston

That all hinges on your ability to 100% time the bottom of the crash and start buying back at the front of the pack.

That's typically a Three-card Monte risk level.

brad.clarkston

Not intentionally but I just sold my ESPP and block grant stocks (way to much company stock) and have more cash than I realized. Trying to decide what to do with it in the taxable bracket. My humble suggestion would be to invest it in the market. :P Yea that's the idea :) I'm just out of tax deferr...

brad.clarkston

How would they be able to pull your CLUE report and your credit report (state dependent) without your unique identifying information? Without that information, how would the quote be meaningful? Like any other lender does - name, dob, mailing address. Lenders do not need a SSN# from you to do a HP ...

brad.clarkston

Not intentionally but I just sold my ESPP and block grant stocks (way to much company stock) and have more cash than I realized.
Trying to decide what to do with it in the taxable bracket.

brad.clarkston

Wow a smart employer, imagine that. That target fund is great nothing to change just forget about it and max your contributions out if you can. .3 is not a high ER for a semi-managed target date fund it's fine. If you want less bonds pick a target date with less bonds there's one for every 5 years o...

brad.clarkston

Obviously office REIT's are depressed still and does not look like a good buy for awhile. That's exactly why it is a good time for a long term investor to buy. There also overpriced in my opinion which is the reason I'm not buying. From my research healthcare REIT's are my personal better buy.

brad.clarkston

thanks for the fund information. i said i would think about it. up to january i was 90% stocks US based and 10% bonds. i've shifted to 60/40 and sleep better that's for sure but i should be opening up to shifting to some international (europe) and some REIT. He was telling me i should look for reit...

brad.clarkston

I like BRMK. They are a mortgage REIT that doesn't own real estate, but rather makes money by offering short term hard money loans to real estate developers and construction companies. I like this business model better than REITs that own real estate. That said, they still qualify as a REIT, which ...

brad.clarkston

I'm a REIT fan but you really need to put in the research on what your buying. Obviously office REIT's are depressed still and does not look like a good buy for awhile. I'm long on Realty Income (O - Shopping Centers), Omega Healthcare (OHI - Senior Care), Iron Mountain (IRM - Info Storage) as a few...

brad.clarkston

It doesn't matter if it's a pre or post paid account it all depends on your area of the country and the city you are in. One size does not fit all in the US Telco market.

You need to talk to the local people in the city you will be in.

brad.clarkston

T-mobile bank. Limited bank functionality in some regards but they pay 1%. Additional bonus rates for t-mobile customers. What's your experience been like and how long have you banked with them? I've been thinking about opening an account there but honestly cannot see how they will be able to conti...

brad.clarkston

I don't see a benefit to DCA in your situation just lump sum it and let it grow.

brad.clarkston

Woot! Good job !

brad.clarkston

The easy answer would be to transfer it to a Vanguard managed account - that's what I would do in your shoes.
I would make sure the rep(s) run it as a simple 3 fund portfolio make it part of the trust mandate.

brad.clarkston

I use BitWarden (paid version for 2fA support) for my password manager and the Authy App for my 2FA. I also use several others for work (T-MO) including Symantec but we do not use it for our yubikey's as there's two many security issues. As a former Eng. employee of Symantec I'm biased against using...

brad.clarkston

Never, never provide financial services to family. If you do it's a gift not a loan/payout.
There's nothing more crazy in the world than a human family unit, you never know when it will explode.

brad.clarkston

I don't even use currency anymore. I still keep $100 in twenties in my phone case (not my card wallet). I've run into gas stations that have had internet/phone issues and no long keep a manual CC machine or an employee that would know how to use it. I also buy and sell to rural farmer markets where...

brad.clarkston

The ZERO funds are only open to retail investors (leaving 401K/457B/403Bs out in the cold). I just bought $500 of FXROX in my stand alone IRA and it completed without an issue. I just bought $500 of FZILX in my stand alone IRA and it completed without an issue. Not sure what the commotion is all ab...

brad.clarkston

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 I doubt it's about the price the...

brad.clarkston

Agree with others that Bitwarden was easy to switch to and appears to work as well for me as Lastpass did. Have you tried Bitwarden on an android phone? Lastpass is hit or miss for me on the App fills and often requires re-login. I have a Pixel 4XL and it works fine on it. No problems in a year.

brad.clarkston

I have been using LastPass to store all my passwords for about 5-6 years now, I think based on a recommendation from this forum originally. In that time the company has changed ownership once but I have remained satisfied with the product. Although I initially paid for the subscription version (thi...

brad.clarkston

The Target Date funds every day all day.

Your in the same boat most people are in. I'm exactly the same way at T-Mo but without the Pimco funds available (which isn't bad). I just go with the target date fund my ESPP and stock grants are more exciting and makes up for the bad 401k choices.

brad.clarkston

I've had some luck getting new fobs made at Westlakes of all places. It seems they now have deals with most of the dealers to make keys and fobs for most makes and models. The big thing for me is finding out the work hours of the one guy that is trained on how to make them and getting the car to him...

brad.clarkston

qwertyjazz wrote: ↑Mon Feb 01, 2021 12:59 am"So I insure against fire, health but not my TV set."

Heresy I say!

For the price I spent on the tv, computers, laptops, tablet (well ipads not the cheap stuff) we sure do buy a bulk home owners policy on them.
Fire is not the only thing that can happen.

brad.clarkston

Nobody "plans on" touching his/her emergency fund. I've been around long enough to have had several low-grade emergencies and a high-grade emergency. I sure plan on emergency's now and keep money in a online HYAC (FIDC single account insured max), local bank account (working on FIDC max -...

brad.clarkston

Personally 5% is the final number of my "5% band" rule. If it goes over 5% (6+) then I re-balance. I do that in a mix of sell down, new money, buy. I'm turning 50 in a few weeks I'm at 80/20 (50% US-10% scv / 20% Int Stock / 20% Eq) and have no plans to change anytime soon. I also have CD'...

brad.clarkston

Wondering what bogleheads use for cloud storage. Is it even worth it compared to just storing in external hard drive? Keep in mind that cloud storage is often not very useful if you lose everything, because it may take you weeks to get all the data back. That's why it's good to have a local backup ...

brad.clarkston

The gold/silver ratio reached 15 in 1980 and 31 in 2011. Therefore silver could be squeezed up to between $60 & $125 an ounce. 1980 was the Hunt silver squeeze, right ? That didn't end well for the Hunts But this time is different Why - I don’t know But it really is I believe this where the kid...

brad.clarkston

Folks, 1) I only buy physical Gold/Silver. 2) I used them as my hyperinflation insurance. 3) I do not rebalance them or sell them. 4) I only use them in the case of emergency aka hyperinflation. KlangFool 1.) I buy gold/sliver coins because there cool. 2.) There not part of my portfolio and I could...

brad.clarkston

I use a onsite NAS for local storage and carbonite on all computers.

I've used it for years and years and have never had an issue.

brad.clarkston

The gold/silver ratio reached 15 in 1980 and 31 in 2011. Therefore silver could be squeezed up to between $60 & $125 an ounce. 1980 was the Hunt silver squeeze, right ? That didn't end well for the Hunts But this time is different Why - I don’t know But it really is I believe this where the kid...

brad.clarkston

bikeeagle1 wrote: ↑Sun Jan 31, 2021 1:42 pm This would be an interesting thread to be compiled into a spreadsheet!

Here's mine:

Age: 60 (just retired)

Fixed Portfolio (Golden Butterfly):

Well there's a rare egg, haven't seen anyone talk about the Butterfly before.
Quick catch him and pin him to balsa wood

brad.clarkston

Both in our early fifties. 60:30:10 with the following breakdowns: 40% domestic equity (a few different index funds due to different choices across accounts) 20% international equity (the fido zero fund) 20% US bonds (a few different index funds due to different choices across accounts) 10% inflati...

brad.clarkston

If you understand the risks and are OK with a 70/30 portfolio in retirement then it's fine.

There is nothing wrong with Wellington it's a great managed fund.

brad.clarkston

VTI (Vanguard Total US Stock Market ETF, ER .03) if you want to stick to us-only equity. VT (Vanguard Total World Stock ETF, ER .08) if you want the whole world. I just buy these two funds all the time. Feel like I can't make a bad purchase. But not in a Fidelity account no point in paying fee's wh...

brad.clarkston

Most people have multiple TV's in their household...that's an odd statement to make. I think we probably have 7 between the living room, kitchen, den, bedrooms, and garage. No thank you, we have one in the living room with a decent sound system. The wife is forbidden from having a tv in the bedroom...

brad.clarkston

The HF's covered on Friday or the pundits would have really been screaming (Cramer would have been pulling out nose hair at that point). How. How can all the HFs shorting even buy shares right now. There's basically no shares in the market relative to the % float of shares shorted. Shorts have to b...

brad.clarkston

Why cannot GameStop management issue new stock? Or a buyback? :mrgreen: If they issue millions of new shares this will dilute the existing float and allow hedgies to cover The HF's covered on Friday or the pundits would have really been screaming (Cramer would have been pulling out nose hair at tha...

brad.clarkston

Are hedge funds still shorting GME at these artificially inflated values? Or, are there just a few remaining shorts from before this all started that have refused to cave? I’m just trying to understand where we stand now. I would say all of the original shorts are long gone with a few (113%'ish) ne...

brad.clarkston

Just in case this thing moons in pre-market or after market trading, apparently it's a couple button mouse click to enable 'extended hours" trading on your Fidelity account. Was trying to figure that out last week and stumbled on the enable "extended hours" trading section. Really ? ...

brad.clarkston

Just in case this thing moons in pre-market or after market trading, apparently it's a couple button mouse click to enable 'extended hours" trading on your Fidelity account. Was trying to figure that out last week and stumbled on the enable "extended hours" trading section. Just as l...

brad.clarkston

some others that have $0 account minimums that haven't been mentioned yet: M1 webull etrade tradestation td ameritrade merrill edge interactive brokers or basically...everyone. Well one of those isn't like the others. WeBull is owned by a Hong Kong company backed by a Chinese government controlled ...

brad.clarkston

T-mobile money seems like a great place to hold an emergency fund especially if you already have T-mobile cell service. 4.00% of the first $3,000 1% on additional money. https://www.t-mobilemoney.com/en/home.html My current "high yield" savings account pays 0.5%....seems like a no-brainer...

brad.clarkston

T-mobile money seems like a great place to hold an emergency fund especially if you already have T-mobile cell service. 4.00% of the first $3,000 1% on additional money. https://www.t-mobilemoney.com/en/home.html My current "high yield" savings account pays 0.5%....seems like a no-brainer...

brad.clarkston

Both in our early fifties. 60:30:10 with the following breakdowns: 40% domestic equity (a few different index funds due to different choices across accounts) 20% international equity (the fido zero fund) 20% US bonds (a few different index funds due to different choices across accounts) 10% inflati...

brad.clarkston

Proactive deposit of my direct deposit salary into my wife's acct, does that offer protection against future lawsuits and collections? In a medical field with high lawsuit percentage and I'm just trying to figure out different ways to protect my assets. Obviously assuming no chance of future divorc...

brad.clarkston

I listen to a friend totally clueless and open a fidelity account and max out my roth ira ( FSKAX ) for this year. Since i cannot put anymore money into roth but still have around 10k-20k that i don't need and would like to invest in something using my brokerage account. so my question is what shou...

brad.clarkston

A quick update from the Reddit boards that I hope will resonate with this board. Moving to Vanguard & Fidelity. As people now view these as the only "open & fair" brokerages. Prior to this "movement", the gains posts were often commented with some sort of "nice - no...

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