Notes

Fund partners Recommendations from the web: Betterment. Schwab. Wealthfront. Bogleheads wiki. International total stock market: VTIAX/VXUS, VFWAX/VEU and IXUS. The former two are a perfect pair. Almost feels like they were made to be TLHed! US total stock market: VTSAX/VTI, SCHB and ITOT. Mutual fund vs ETFs Mutual funds: TLH only makes sense within Vanguard because other funds distribute capital gains, so not tax efficient. Only need one “exchange” transaction with Vanguard. Check if Schwab allows something similar with ETFs though. - Schwab doesn’t allow exchanges but does allow 1 trade with unsettled funds. ETFs: I can do everything in one place, i.e. my Schwab account. (Mutual funds, on the other hand, aren’t all available for free on one broker.) I can put limit sell orders. This alone might be the biggest reason to go this way because it won’t require me to track prices closely. Also, alerts. Resources https://www.bogleheads.org/forum/viewtopic.php?t=296553 - best clarification on strategy and how to handle the before part of wash sale rule.

gprof2dot --format=callgrind --output=out.dot ~/callgrind.out dot -Tpng out.dot -o graph-RCF.png The above uses gprof2dot.

Choose the right command based on file type: tar -C /myfolder -zxvf file_name.tar.gz # Or tar -C /myfolder -xvf file_name.tar

Both our offices. Amazon: https://atoz.amazon.work Financial institutions: Chase. First Tech. Vanguard. Schwab. Capital One. Fidelity: may automatically update through work. Bright Start (or whatever we currently use for 529). Vehicle related: Driver’s license - can happen online. Car insurance provider. Immigration, so for both of us: H1B - Form AR11. Fragomen (or whoever our attorneys are). USPS. Global Entry. Treasury Direct. Priority Pass.

Vanguard: Ask Vanguard to allowlist my account to be accessible outside US. What to do about 2FA using phone number? Update address. Fill out W8-BEN form. (This is important and the customer representative might not know about it - but they support it and that’s what will decrease the tax deduction that they will do.) May have to do this at other places too, such as Fidelity and Schwab. Probably make Schwab as our primary bank account because of the fantastic international features on their debit cards. Close out our phone accounts.

Following is what I am thinking today over a few Guinness pints: Keep in mind what’s important to you: When you interact with people on a daily basis (for e.g., at work or while browsing online communities), they will indirectly influence you. The key is to regularly remind yourself on your own priorities. For me, one of the highest ones is to spend sufficient time with Vihaan. (I guess there is no upper limit on how much time is enough.) The other probably is to find a better job. More on this next. I should probably give up on the D2L book for now. I’ve been thinking about restarting that book for a few weeks now. And while I haven’t been able to, the thought keeps nagging me all the time. Maybe it is just too hard to learn something as complex as Deep Learning in parallel with a demanding job and first-time parenthood. (When I wrote that down, it seems abundantly obvious.) The other probable issue why I am unable to maintain my flow is that everything I do, i.e. office work and this book, is related to technology. That’s monotonous. While Deep Learning seems an interesting branch, the technologies and problems I deal with at work are as complex and interesting. I am sure these look magical to a vast number of people in the world. I’ve been thinking for awhile to stop picking up long-term learning projects. When I picked up that D2L book, I told myself that this will be my last such project. However, why wait? Because of all these reasons, I am thinking of setting aside the book until I have more time on my hands. For e.g., my next parental leave, notice period at Amazon or long travel. It is high time I change companies. At the minimum, I’d have spent eight years at Amazon by the time I leave. That’s a lot of time with one company. I don’t foresee sufficient career growth in my current org in Amazon and I may be able to get higher compensation elsewhere. So, what’s keeping me here? One reason I’ve given myself to not leave the company is that there a lot of smart folks in AWS. However, the truth is I don’t get to work with such folks on a personal level - the best I get is to listen to their discussions in ops meetings or tech talks - and smart folks will be present in other companies too. I can think of the following next steps: ...

Details of the printer we currently have at home: HP LaserJet Pro M15w Wireless Laser Printer (W2G51A). Compatible cartridge: HP 48A Black Original LaserJet Toner Cartridge, CF248A

Here are the list of accounts I should take care of next year and beyond: Vanguard. Fidelity. Schwab. First Tech. Chase. HSA distributions - 1099-SA. 529 - Bright Start. Reminder: 529 contributions are treated as gifts with some special allowance if you want to contribute lump sum for 5 years. WA PFML maybe. Following are things I should remember while filing tax returns in: 2022: HSA: I had to withdraw excess contributions in 2021 (for those we made in 2020).

I recently got interested in a few actively managed mutual funds from Morgan Stanley. They had high expense ratio and turnover rate but I thought, if their stellar performance continued from 2020, the extra costs would be worth it. However, that wasn’t the right way to think about it. While cliched, it is true that past performance doesn’t gurantee future results. I also don’t control or understand the factors that go into stock selection behind the scenes - I can only trust the fund managers. CPOAX, for instance, had a really good 2020 but, when I looked back for 2 year time frames, it rarely outperformed VTSAX. I shouldn’t be blindsided by a single year’s performance, that too 2020 when the whole market was exuberant. There is plenty of historical evidence that actively managed funds never consistently outperform the index, if at all. So, even if the fund I selected is outperforming today, I have another headache of figuring out when to get out. They aren’t well diversified. For e.g., CPOAX only contains <50 stocks, most of them large cap. If I try to compensate for that myself (for e.g., by buying Morgan Stanley’s MACGX for mid-cap companies), that will complicate things further. Highly tax inefficient, if kept in taxable accounts. High costs add up in the long run. I think I should do the following: ...

sudo yum localinstall sample_file.rpm