Bogleheads.org

ikowik

We live in the Northeast with long cold winters. The house is centrally heated using two gas-burning furnaces. Five years ago, we replaced our wood-burning fireplace with a gas insert in the living room. Brand name Napoleon. Wife never tires of telling me that it is the best purchase we have made. V...

ikowik

Where can I buy Canadian lettuce?

ikowik

When I logged on to my IRS account, there is an extra method-option for 2-Factor Authentication that I had not seen before. I have been using SMS texts to my cell phone (with misgivings especially with recent news on insecurities of this method). The new option is an app called IRS2Go which can be d...

ikowik

I think Yahoo is set up with a text code too. If I try to and it get's messed up, I would lose the only way of communication that I have right now. Can you/ have you tried logging on to your Yahoo account? If you can, and it is set up to receive 2FA codes, try changing passwords on all websites whi...

ikowik

I've been in the security industry for a while and this is something I feel very passionate about. Thanks for chiming in. I appreciate it when professionals bring their expertise to the table. After using Bitwarden for a while, and being very pleased with it, I have a question. How does one handle ...

ikowik

I use a Firefox add-on. Tried again this morning and I was actually able to see my password on the screen! About to switch on 2FA. I find it hard to understand what you are seeing. I also use the Firefox extension. When I type in the master password, it shows only dots, not letters or numbers. I re...

ikowik

All, Getting there, but it's going to take time :-) I asked about 2FA because somewhere within my profile 1Password actually revealed my PW to me! Even hotmail or yahoo mail don't do that!! But then - the secret key is not asked for when I log in? So, how is it 2FA? Are you mistaking the secret key...

ikowik

All, Getting there, but it's going to take time :-) I asked about 2FA because somewhere within my profile 1Password actually revealed my PW to me! Even hotmail or yahoo mail don't do that!! But then - the secret key is not asked for when I log in? So, how is it 2FA? Are you mistaking the secret key...

ikowik

OP, I have no useful suggestion on your question, but thank you for opening up a fascinating area that is new to me. Wishing you the best

ikowik

First check to see if your hardware will support Big Sur. If you are running Sierra, it is likely the computer hardware is too old to support it. Apple's website lists system requirements. Even if the computer barely meets the requirements, it may be wise not to upgrade and make the system slower.

ikowik

I wonder if using an authentication app like Authy, or a hardware token like Yubikey would eliminate the need for text-based 2FA (and hence the need for a US number) while abroad. Does anyone have any experience with this approach?
Of course this assumes the financial company allows these methods.

ikowik

Here is some interesting news. Never heard of S&P Dow Jones Indices, and no idea what will be in the index other than it might track 550 (!) cryptocurrencies.

https://cointelegraph.com/news/bitcoin- ... es-in-2021

ikowik

Can someone confirm that MoneyDance can't calculate asset allocation? From their website it seems like it cannot. That looks like a great product if it could do that. Yes it can, but that requires input from you when you initially set up a fund or ETF or share to track. The program has to be inform...

ikowik

If it was so easy to steal money with information from a statement, banks would have eliminated paper checks long ago. Don’t sweat the lost statement. It is really easy to do an ACH to a checking account. It is traceable to another bank, but easy and requires no pre-approval. Many commercial transa...

ikowik

This isn't an answer to your specific question, but tangentially related. Where there are 403(b) plans, usually there are also 457(b) plans. If you have access to such a 457(b) plan, and you have the ability to do so, you can defer an additional $19.5k (and catchup contributions, depending on your ...

ikowik

Does anyone know if I set up security via a phone app, will that carry through if I logon with a computer? (ie; 2FA code will be sent to the phone, which I can enter via the desktop? Thanks for the link to the 2FA site. That is a great resource! I think you are referring to 2FA by text messages. If...

ikowik

Check out https://twofactorauth.org/ It lists what financial institutions support various 2-Factor authentication methods. Only a few support the more secure methods of hardware token or authentication apps. A text message is less secure, but better than no 2FA. I use 2 banks; one does not use any 2...

ikowik

Check out these two post from Bogota1972 and renegade06. It's a thoughtful analysis of the and G and F Fund. This is my position as well... https://www.arthursteinfinancial.com/bl ... most-sense. Go to link then go to blogs. https://www.fedsmith.com/2019/11/12/f-f ... field-tsp/ That is funny! Do y...

ikowik

1. VBTLX does not hold TIPS. 2. You are not being scammed. 3. If you buy a CD on the secondary market at a price that is above par, you will only get back par at maturity. All you've done is to buy up the interest rate you are getting . I think this can have tax consequences with respect to what in...

ikowik

I clearly didn't know what I was doing, so bought $500 worth of TIPS on TreasuryDirect. Here are the details: Security Type: 10-Year TIPS Par Amount: $500.00 Inflation-Adjusted Value: Not available Price per $100: 111.032606 Investment/Interest Rate: 0.125% 10 year - maturing in 2030. Issue Date: 0...

ikowik

Not sure if I am answering your question..

Try https://www.tsp.gov/fund-performance
Select the funds you want to see the returns for.

Or on the page you listed in your post, other funds can be selected on the left side column. Each fund has its own page here.

ikowik

Thank you dbr, jeffyscott and FIREchief. Very helpful. My hesitation was due to looking at the negative yield on TIPS without considering the break-even inflation rate compared to Treasury bonds. It is a mental mistake and deep-rooted dislike for the concept of paying someone to hold my money.

ikowik

I'm not sure what the "other potential TIPS negatives" are. I can't think of any. To your questions: Deflation: if a person buys individual TIPS at auction, there is no concern with deflation if held to maturity. The original principle will be received even if there has been five, ten or ...

ikowik

Someone switched your wipers with their wipers, but messed up the installation on your car in their haste. It was the old switcharoo gone wrong. There is an old poem about that which many may not be familiar with: An Ode to my Windshield Wipers: One day I turned my wipers on And noticed something h...

ikowik

Interesting thread. I have also thought about this strategy, but am cautious by nature. There have been other threads with similar ideas, the OPs rarely come back to report how it went. I suspect many do not carry out their plan. It is fine to say one would be happy to buy VTI at 140 when others are...

ikowik

More than half had adverse reactions...... https://www.nih.gov/news-events/news-releases/experimental-covid-19-vaccine-safe-generates-immune-response That is selective picking of parts of the report. The exact words which addressed adverse reactions in the report reads "Regarding safety, no se...

ikowik

More than half had adverse reactions...... https://www.nih.gov/news-events/news-releases/experimental-covid-19-vaccine-safe-generates-immune-response That is selective picking of parts of the report. The exact words which addressed adverse reactions in the report reads "Regarding safety, no se...

ikowik

Hello, I'm helping someone look into a Jackson National Fixed Annuity. They have been told it is a guaranteed 5% a year. However, the few threads I saw all seemed like horror stories with a lot of fees. The information on Jackson's website is limited and doesn't have much mention of fees. Anyone ha...

ikowik

Although they obviously don't advertise it, Fidelity is also a client of Infosys. Major companies will not pay more to retain employees out of some sense of loyalty. Those days are long gone. If it can be outsourced, it will. And if the outsourcing backfires, the jobs come back. Either way, it's al...

ikowik

This does not help with your current problem, but to lessen the pain as an iPhone 7 owner you can claim $25 from Apple

https://www.macworld.com/article/356614 ... et-it.html

ikowik

Interesting, thought provoking writing from William Bernstein (as usual).

http://www.efficientfrontier.com/ef/0adhoc/Rightful.htm

I wonder what others think about his view that "unimpaired capital" means treasuries. He does not mention any other.

ikowik

Perhaps different for mutual fund vs. brokerage accounts? I actually topped retaining the statements any longer as I feel they are worthless. Everything is tracked and reported to the IRS. I'm working on a refinance and need them. Otherwise, I'm with you. I learned that: -My Roth IRA and taxable br...

ikowik

I wonder if my Amazon account is not safe. Do others see this ==>> If I am on my computer that I use to order Amazon - If I go on Google & click Amazon.com - up comes Amazon & a cheerful "Hello Miriam2!" I click on Accounts & Lists - up comes Your Account - I can click on Orde...

ikowik

No, never a call from Amazon. I am a regular, though not heavy, user.

ikowik

Fascinating thread. Nigerian scam artists have nothing on structured notes. Bordering on unethical, criminal; the buyer plays a big role by being "sophisticated" enough to think he/ she understands these things better than the seller. See: https://www.bloomberg.com/opinion/articles/2018-06...

ikowik

Two word opinion - Run away! Any particular reason? I MAY get a better rate than a traditional bank CD. At worst, I get my principal back because of FDIC coverage. I don't plan on redeeming it before maturity - so no penalty. These are extremely complex products (think structured = structured to be...

ikowik

Loose leaf tea advice needed I drink a lot of tea and usually use tea bags. However, it seems that the BH tea connoisseurs tend to prefer loose leaf. I've tried it a few times and it seems messier and takes a bit longer to make, but I'm trying to learn more about how to make a better cup. I tend to...

ikowik

After giving up on this hobby several years ago, this pandemic has been an opportunity to start again. I use two shop light fixtures with grow light tubes; two of these fixtures are attached to a frame. This can be rigged up with some effort, or bought from some garden centers. Think I paid $70 or s...

ikowik

Thanks to retired@50, anon_investor, JoMoney and Horton. That makes sense.

ikowik

I have a rather sparse selection of investment options that are low-cost in my Deferred Compensation (457b) plan. This is a governmental 457b. Recently they changed the few index mutual funds they had to Collective Investment Trusts (CIT) which track the same stock and bond indexes. I have been hesi...

ikowik

My vote is for KeePassX. It's not only free and open source but also available for Linux, MacOS, and Windows. Thus, I'm covered not only in my preferred platform (Linux) but other platforms as well. KeePassX is not actively developed anymore. KeePassXC is, and is also open source and available for ...

ikowik

bberris, thanks. I do not own one of these products nor do I ever intend to. But I see it as a chess game. Even though I know it is deceptive or plain lying, it is a challenge to spot how it is hidden. The basic themes are usually there, but they come up with myriad ways to obfuscate. Considering it...

ikowik

It is very easy to duplicate these popular products yourself at no cost. One of the insurance companies that sell these things is public and discloses the method. (Bonds + equity index options). Yet I have never heard of someone actually doing it. These are obviously intended for unsophisticated ma...

ikowik

This is an excellent thread, very educational. I have not bought one of these, but was curious about how these companies and salespeople could confuse people so much and sell these lousy products. Neurosphere, good to see you are active and posting. The COVID situation in NYC appears to have turned ...

ikowik

striker79 wrote: ↑Mon Apr 20, 2020 1:58 pm G fund is a cheat code for gauranteed 2% return, and you can jump in and out of it however you like. It cant go down...

The 2% return is not guaranteed. It can go below.
See https://www.tspfolio.com/tspgfundinterestrate

ikowik

OP, another thread on this forum which discusses market expectation of inflation in coming years, started by SimpleGift, might be of interest

viewtopic.php?p=5174004#p5174004

ikowik

^^^ I agree this appears to be the general wisdom and I have done the same- most of my bond portfolio is in G fund. But what do you think of the recent drop in 10-year Treasury yield to 0%? G fund follows this yield, adjusting quickly to changes, but this is less than forecast inflation. Agreed that...

ikowik

NY, NJ and CT just announced closure of all gyms effective tonight

ikowik

I find this new practice annoying. I messaged TSP about this and the reply was "....Beginning in 2019, fourth quarter account information will no longer be provided in a separate fourth quarter participant statement. Fourth quarter account information will now be provided on the annual particip...

ikowik

Mixed bag for me. Most products worked as described in their review, but they missed on a few. One that stands out was a phone holder for use in cars. Bought the model they recommended, only to find it will not stably support a larger size iPhone model ,would drop down out of my line of vision. The ...

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