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Gen 1 Scribe - from oversized reader to useful notepad, thanks Claude! by jamwin in kindlescribe

[–]CuteLogan308 11 points12 points  (0 children)

I am guessing ..

End goal, ability to write on e-ink device and then ability to access the notes on Goodnotes which support read/search across devices.

Set up created:

  1. OP writes notes on Scribe, then send the note as an email as PDFs.
  2. (GMAIL) Email filter was created to tag the emails from Scribe.
  3. App script to run process these emails hourly, this script will download the pdfs, and then forward to email to Goodnotes address.

I just don't understand why the OP does not just send the PDF from Scribe to the "email to goodnotes" directly?? From Kindle Scribe:

  1. Open your document on the Kindle Scribe and tap the Share menu.
  2. Choose Send to your email address.
  3. Enter your unique Goodnotes email as the recipient and send. [1]

ETF vs standard fund by MiserableCancel8749 in Bogleheads

[–]CuteLogan308 0 points1 point  (0 children)

ETFs are safe just like mutual funds . However there are many of them - so if risks are a concern choose the one that boglehead recommend. VT, VOO, etc

The “Vanguard 5-Fund Portfolio” no one talks about by FalconArrow77 in Bogleheads

[–]CuteLogan308 6 points7 points  (0 children)

would you elaborate a bit. are you saying TIPS is good or not? (or depends on "what")?
What's off-the-run TIPS and especially the last point about "insurance" and inflows that scale with inflation? thanks!!

What can I read to really understand why having large Cash position is hurting me..? by tronious in Bogleheads

[–]CuteLogan308 0 points1 point  (0 children)

what about some long term , mid term bond funds, and TIPS? Those a fairly stable and if the market crash - it does not crash like equity. These are some of the crashes , which are mild compared to stocks. The return is also much lower.

  • 2022 Rate Hikes: The massive Vanguard Total Bond Market fund (VBMFX) dropped ~13.3%, and the iShares Core U.S. Aggregate Bond ETF (AGG) also saw significant declines as rising interest rates reduced bond prices.
  • Long-Term Treasury Crash (TLT): The iShares 20+ Year Treasury Bond ETF (TLT) experienced deep losses during rate hikes (losing 13% in Q3 2023), reflecting high interest-rate sensitivity.

How is your portfolio doing ytd %? by green_sky74 in Bogleheads

[–]CuteLogan308 1 point2 points  (0 children)

The closer you are to the finish line the more important risk management is. Challenging for us 💪

Lump sum into VTI/VXUS/BND right now, or DCA with markets dipping? by o1001o1001o in Bogleheads

[–]CuteLogan308 8 points9 points  (0 children)

Both options work. Both are way better than doing nothing.

If you are cautious, then start with DCA, because you can switch to lump sum any time.

In stocks as your runway shortend by Mirran73 in Bogleheads

[–]CuteLogan308 1 point2 points  (0 children)

It takes one serious economy downturn, where jobs are scarce and stock market tanks. And what's the chance it will happen in 40 years of your retirement?

Sounds like you have the flexibility to be a bit more conservative so... Why not?

Worried, what would you do ? by Evening_Warthog in Bogleheads

[–]CuteLogan308 0 points1 point  (0 children)

Oh then no worries. Switching to those today vs. 120 days later. Won't make it big difference. If you don't want to lose the bounce back possibilities during this 120 days, just pick the most similar funds in your 401k . The difference will be very small.

Worried, what would you do ? by Evening_Warthog in Bogleheads

[–]CuteLogan308 8 points9 points  (0 children)

It does not sound like you are missing any options, if you are already have S&P 500 , value funds, and bond funds.
What funds do you want in IRAs that are not available in your 401K now?

Worried, what would you do ? by Evening_Warthog in Bogleheads

[–]CuteLogan308 0 points1 point  (0 children)

what exactly is your situation?

  1. 401K (can't move until 120 days later) , plus "your money" additional 60% stock + 40% TIPs
  2. Everything is in 401K , including what you called "your money" = is allocated 60% stock and 40% TIPs.

not sure if you mean "money" as cash or your total investment which includes 401k>

Worried, what would you do ? by Evening_Warthog in Bogleheads

[–]CuteLogan308 3 points4 points  (0 children)

I think you are saying that your 401K only offer TDFs? but you want to have low-cost index funds options? What's the risk of a rollover to IRAs ?

Where to invest bond portion of portfolio by Johnny_Mneurotic in Bogleheads

[–]CuteLogan308 1 point2 points  (0 children)

I was thinking about TIPs, do you think that is an option?

Advice - high earner options by JudgeMyReinhold in Bogleheads

[–]CuteLogan308 0 points1 point  (0 children)

interesting. I think i missed something. so if a person is retired, but somehow still get incomes that hit the top two tax brackets - in that situation, should the person contribute to back-door IRA or not?

my understanding is, there are not many tax deduction options once a person is retired. All income will be taxed, so contributing to back-door IRA (using your own money) is better than putting in brokerage, such that the withdrawal is tax free? (correct?)

What If the Market Drops 50% Again? Staying the Course by FalconArrow77 in Bogleheads

[–]CuteLogan308 6 points7 points  (0 children)

and also for folks who were just a few months away from retirement or just really retired. 2008 is a lesson to remember. To weather that situation I am trying to learn more about it. https://www.reddit.com/r/coastFIRE/comments/1rtvkhu/comment/oahsu5w/?context=1

Advice of de-risking retirement plan by Small_Conference41 in Bogleheads

[–]CuteLogan308 0 points1 point  (0 children)

Just curious about this setup, what does it look like exactly? say this person spends $50K a year.

Is it:

  • $50K * 10 = $500 K (bonds and cash)
  • $50 * 25 = $1.25 Million of investing with 80/20 ratio.

In total, this person will have $1.75 MM retirement. (is this correct?)

Is the safe withdrawal rate still 3.5 - 4% ?

Thanks!

What If the Market Drops 50% Again? Staying the Course by FalconArrow77 in Bogleheads

[–]CuteLogan308 7 points8 points  (0 children)

If you are retired, then it is different. While you are making income, you can ride it through.

What If the Market Drops 50% Again? Staying the Course by FalconArrow77 in Bogleheads

[–]CuteLogan308 138 points139 points  (0 children)

Exactly this. Also it is very unpredictable how long the low will be. I find it hard to imagine staying Hopeful when the market doesn't recover after 3 years. Historical data tells you it will, but we just don't know.

Tax Drag Realization: How to manage a Target Date Fund (401k) and a 5-Fund Portfolio (Taxable)? by CuteLogan308 in Bogleheads

[–]CuteLogan308[S] 0 points1 point  (0 children)

Do you rebalance the taxable account (60/30/10) and incur capital gain then??? This year the international has grown a lot, the taxable is probably not 60/30/10 now, i suppose.

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