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Re: Downside to eDelivery?

P.S. I would withdraw my objections to e-delivery if it were easy and secure to arrange for EVERY e-delivery account to email, not just to me, but to a mailing list--myself, my wife, one of my adult children. I rather think that financial institutions do not allow this for security reasons, but it ...
by Postmon
Sun Jan 25, 2015 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Downside to eDelivery?
Replies: 34
Views: 1575

Re: Success stories of NOT buying more/too much house

I look at a house as somewhat of a risky asset as I had to sell a home when prices tanked in the early-90's and no one was buying. I was not sleeping well then. When the housing market is doing well, it's just like the stocks -- it's human nature to want more. But when things will turn around at som...
by Postmon
Sun Jan 25, 2015 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Success stories of NOT buying more/too much house
Replies: 15
Views: 842

Re: Rental Car Prices - is this the new normal ?

Jack FFR1846 wrote:Ft Myers this past summer for about $8 a day.


No surprise there. They'll be giving cars away that time of year in Florida. But, I'll bet the rates are through the roof in winter.
by Postmon
Sun Jan 25, 2015 9:59 am
 
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 34
Views: 1419

Re: Rental Car Prices - is this the new normal ?

Depending on your destination and time of year, I've found the rates can fluctuate significantly from day-to-day or week-to-week so check back often. I've had the best luck with Costco's online travel service. I usually rent larger vehicles and every so often, an incredible deal pops up (e.g. 50% le...
by Postmon
Sun Jan 25, 2015 8:47 am
 
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 34
Views: 1419

Re: Should I sell tax inefficient mutual funds?

How much are the cap gains? If those two funds are only 10% of your portfolio, the tax may be less than you think. What does the rest of your portfolio like? If you're trying to simplify (e.g 3-Fund), it might be worth paying the cap gains tax to enable you to get your desired portfolio. Sounds like...
by Postmon
Fri Jan 23, 2015 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell tax inefficient mutual funds?
Replies: 20
Views: 1229

Re: Treasury Fund Returns? Same Duration, Different Maturit

Got it. I just assumed the NAVs were adjusted to show total return. Thanks so much! :beer
by Postmon
Thu Jan 22, 2015 8:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Treasury Fund Returns? Same Duration, Different Maturities
Replies: 2
Views: 242

Treasury Fund Returns? Same Duration, Different Maturities

My desired duration for Treasuries is about 5 years. Currently, I split 50/50 between Fidelity's Short and Intermediate Term Spartan funds: FSBAX: 2.6 yr. duration, 1-5 year maturities, exp. 0.10 FIBAX: 6.5 yr. duration, 5-10 year maturities, exp. 0.10 They average out to a duration of 4.6 years. My...
by Postmon
Wed Jan 21, 2015 11:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Treasury Fund Returns? Same Duration, Different Maturities
Replies: 2
Views: 242

Re: Anyone have experience with "hacker fares"?

Not worth the risk if you're checking bags. If you have an exceptionally long layover, maybe. But, then is it really worth the extra time at the airport and the hassle of rechecking bags and going through security again?
by Postmon
Tue Jan 20, 2015 8:39 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have experience with "hacker fares"?
Replies: 4
Views: 1174

Re: Upgrade to New Home or Stay In Current House?

Baseballmom94 wrote: Does this makes sense at our age?


Would you sleep better at night with your new home and:

a. $2.165 million in savings and a $500K debt, or
b. $1.665 million in savings, no mortgage and much more disposable monthly income (which you could invest over the next 10 years)?
by Postmon
Tue Jan 20, 2015 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Upgrade to New Home or Stay In Current House?
Replies: 14
Views: 1400

Re: Upgrade to New Home or Stay In Current House?

With over $2 mil in savings, why not just pay off your mortgage or pay cash for the new house? Paying it off wipes out debt and might provide a similar or better return than your FI allocation.
by Postmon
Tue Jan 20, 2015 8:36 am
 
Forum: Personal Consumer Issues
Topic: Upgrade to New Home or Stay In Current House?
Replies: 14
Views: 1400

Re: Rate/advise my 40+ year stock portfolio

Are you saying you're 100% equities on 0% bonds now? Not sure what your goals are but the riskiest allocation that most suggest around here is about 80/20. Internationally, I'm at about 66% large (VXUS/VWO) and 33% small (VSS), with 1/3 of my entire foreign allocation being emerging market. Is this ...
by Postmon
Mon Jan 19, 2015 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rate/advise my 40+ year stock portfolio
Replies: 9
Views: 565

Re: Fund Placement Concerns - Rebalance or Pay Cap Gains Tax

For those of you who's tax-deferred space is filled with tax inefficient assets (e.g. bond/reits), do you hold any tax efficient equities in tax-deferred for rebalancing to avoid cap gains tax?
by Postmon
Sun Jan 18, 2015 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund Placement Concerns - Rebalance or Pay Cap Gains Tax?
Replies: 12
Views: 712

Re: Fund Placement Concerns - Rebalance or Pay Cap Gains Tax

The move from 60/40 to 50/50 is more of a hypothetical as I'm thinking about the future. When one is ready to get more conservative, how do you handle the capital gains? Or, if you've "won the game" and want to stop playing. We're still accumulating but not as fast as we were in the past. ...
by Postmon
Sun Jan 18, 2015 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Fund Placement Concerns - Rebalance or Pay Cap Gains Tax?
Replies: 12
Views: 712

Fund Placement Concerns - Rebalance or Pay Cap Gains Tax?

Recently I've hit some rebalance bands and would need to pay cap gains tax in order to rebalance even after TLH'g. I plan to add future contributions to the underfunded assets but it will take some time to get the allocations back to normal. My AA is 60/40 and the portfolio is 22% tax-deferred and 7...
by Postmon
Sun Jan 18, 2015 9:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Fund Placement Concerns - Rebalance or Pay Cap Gains Tax?
Replies: 12
Views: 712

Re: VEU vs VEA vs VXUS splitting hairs...which is better

VXUS is most comprehensive as it has small cap and emerging markets. If you only want one international fund, it's the one to go with.
by Postmon
Sun Jan 18, 2015 12:42 am
 
Forum: Investing - Theory, News & General
Topic: VEU vs VEA vs VXUS splitting hairs...which is better
Replies: 7
Views: 1131

Re: Instant coffee

Mount Hagen Single Serves or Starbucks Via. I carry them with me when I travel.
by Postmon
Thu Jan 15, 2015 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Instant coffee
Replies: 34
Views: 3328

Re: Short term bonds in rising interest rates?

I kept going back and forth between short and intermediate. Couldn't decide so I just split it. 50% in an intermediate fund and 50% in a short fund. Average duration is around 4.2 years or so.
by Postmon
Wed Jan 14, 2015 2:33 pm
 
Forum: Investing - Theory, News & General
Topic: Short term bonds in rising interest rates?
Replies: 26
Views: 2559

Re: Increased travel for work - how would you approach this?

When you agreed to the increased travel, was there any mention of a raise? No. There was no discussion on this topic. Don't know enough about your situation but when I had to travel significantly (80%), it wasn't something that you'd be compensated extra for. It was just part of the job. In fact, i...
by Postmon
Wed Jan 14, 2015 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Increased travel for work - how would you approach this?
Replies: 13
Views: 827

Re: Increased travel for work - how would you approach this?

kd2008 wrote: I was asked about this gig last year and I said yes.

Then the news of raises came and it was disappointing and no consideration for increased travel was included. This surprised me.


When you agreed to the increased travel, was there any mention of a raise?
by Postmon
Wed Jan 14, 2015 11:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Increased travel for work - how would you approach this?
Replies: 13
Views: 827

Re: How does a Boglehead handle stock options?

tdirgins wrote:I have never worried about the tax implications. Take the money and run!


Exactly. The CURRENT stock price is what the market thinks it's worth. Do you know something the market doesn't?
by Postmon
Wed Jan 14, 2015 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: How does a Boglehead handle stock options?
Replies: 27
Views: 1833

Re: Amex Fidelity CC 2% Cash Back

heartwood wrote:Also a very few of (real) AMEX programs do not apply, like the ability to get premium auto rental insurance.


What extra benefits do you get with the premium insurance that you don't get with the regular?

Also, what are the other benefits of the real AMEX over the Fidelity one?
by Postmon
Wed Jan 14, 2015 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 5264

Re: which Brokerage do you use...why?

One thing I like about Fidelity is that they have local offices and I know my rep and the support folks. Every so often it's much easier to run over to the office to take care of something rather than send things through the mail.
by Postmon
Wed Jan 14, 2015 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: which Brokerage do you use...why?
Replies: 33
Views: 2451

Re: Amex Fidelity CC 2% Cash Back

I love it. No fees or surprises. I link it to my Fidelity Bill Pay which allows me to fully access the Amex account while I'm logged into Fidelity.
by Postmon
Wed Jan 14, 2015 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 5264

Re: How does a Boglehead handle stock options?

but I miss out on possible upside that's better than what my AA will give me (a distinct possibility given my company's performance in the last half decade). It's easy to forget that we've been in a bull market for the last half decade and many companies have significantly outperformed the market. ...
by Postmon
Wed Jan 14, 2015 9:35 am
 
Forum: Investing - Help with Personal Investments
Topic: How does a Boglehead handle stock options?
Replies: 27
Views: 1833

Re: How does a Boglehead handle stock options?

My rule of thumb for company stock options is if they're worth more than 5% of your portfolio, sell immediately.

Is your portfolio over $2 million? If not, sell now! Don't risk getting burned. Been there, done that. :annoyed .
by Postmon
Tue Jan 13, 2015 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: How does a Boglehead handle stock options?
Replies: 27
Views: 1833

Re: Fidelity Intermediate Tax Exempt

I use the Baird Intermediate Municipal Bond Fund Class Institutional (BMBIX). There's a $50/purchase fee but the fund was recommended by Larry Swedroe for it's quality. I usually only make one or two large purchases a year so the fee isn't that significant in the big picture.
by Postmon
Mon Jan 12, 2015 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Intermediate Tax Exempt
Replies: 10
Views: 643

Re: Alternatives to Target or LifeStrategy in Taxable Accoun

Are these people accumulating or withdrawing? About what stock to bond ratio are they interested in? Is it close to what Tax Managed Balanced is? Would they let someone else (you) rebalance for them every couple of years and would that be practical? They're withdrawing. Stock/bond ratio will be som...
by Postmon
Sun Jan 11, 2015 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Alternatives to Target or LifeStrategy in Taxable Accounts?
Replies: 13
Views: 1149

Re: Alternatives to Target or LifeStrategy in Taxable Accoun

what kind of a tax hit will they take in the taxable account? Minimal cap gains to switch over. I think it would be helpful to get some idea of the amounts we are talking about and the marginal tax rates these folks face. Mid to Upper 6-figures in each (total low-7 figures). I believe they're in th...
by Postmon
Sun Jan 11, 2015 8:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Alternatives to Target or LifeStrategy in Taxable Accounts?
Replies: 13
Views: 1149

Alternatives to Target or LifeStrategy in Taxable Accounts?

For those of you who use Target Retirement, LifeStrategy, or fixed allocation funds in your retirement accounts, what do you use in your taxable accounts? I'm trying to help some non-investors and a single fund would be ideal. However, they have significant assets in both taxable and tax-deferred ac...
by Postmon
Sat Jan 10, 2015 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Alternatives to Target or LifeStrategy in Taxable Accounts?
Replies: 13
Views: 1149

Re: Mice in the house

The JT Eaton recommended a few posts back is a rat trap http://www.amazon.com/Eaton-410BULK-Plastic-Solid-Liquid/dp/B00DLKL26M/ref=pd_sim_indust_1?ie=UTF8&refRID=1KQJ9XW7VKH1S6591D09 Do they work on mice too? Oops, sorry. The rat trap looks just like the mouse trap. Here's the mouse trap link: ...
by Postmon
Sat Jan 10, 2015 8:10 pm
 
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 5061

Re: Mice in the house

I've tried them all and nothing works for me like the newer traditional traps. I've had very good luck with the ones below and believe they are a "better mousetrap." I find the Victors a bit hard to set. Also, the mice can steal the bait and even getaway after the snap. Whenever I see evid...
by Postmon
Sat Jan 10, 2015 3:28 pm
 
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 5061

Re: Fidelity Customers, What Do You Hold at FIDO?

The website is fine. I'm concerned about the transition away from the "classic " portfolio view to the incomparably butchered new version, the one that cuts off the left third of the screen for a worthless perpetual view of each account, limiting necessary columns devoted to each category...
by Postmon
Thu Jan 08, 2015 9:20 am
 
Forum: Investing - Theory, News & General
Topic: Fidelity Customers, What Do You Hold at FIDO?
Replies: 43
Views: 4026

Re: Fidelity Customers, What Do You Hold at FIDO?

Fidelity Spartan Funds and iShare/Vanguard ETFs. Some might balk at the $7.95 fee for some ETF trades , but it's worth it to me for all the other things I like about Fidelity.
by Postmon
Wed Jan 07, 2015 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Customers, What Do You Hold at FIDO?
Replies: 43
Views: 4026

Re: LED Flood Light Question (CREE/FEIT/Etc)

Rather than switch to LEDs, have you looked into motion sensor switches that turn on/off automatically when someone is in the room? Seems like the LEDs are getting better/cheaper by the day and I'd hate to invest all that money into 35 bulbs given how fast they're improving. I started converting ove...
by Postmon
Tue Jan 06, 2015 8:39 pm
 
Forum: Personal Consumer Issues
Topic: LED Flood Light Question (CREE/FEIT/Etc)
Replies: 18
Views: 2730

Re: Google spreadsheet Ibond price code acting weird

Sorry, I should have been more clear -- I use the GoogleFinance price function. That was the one that wasn't working. I'm assuming they were doing maintenance or something else at the time.
by Postmon
Tue Jan 06, 2015 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Google spreadsheet Ibond price code acting weird
Replies: 21
Views: 1937

Re: Google spreadsheet Ibond price code acting weird

I use the function to get ETF/MF prices for my Google spreadsheet. Over the holidays it wasn't working properly. It would go back and forth between showing the price and an error message every 5 minutes or so. However, yesterday it seemed to be working fine for me.
by Postmon
Tue Jan 06, 2015 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Google spreadsheet Ibond price code acting weird
Replies: 21
Views: 1937

Re: Servicing new vehicle: Dealer or local mechanic?

I have had nothing but bad experiences with dealer service. That said, I generally take new vehicles to the dealer while they're under warranty for oil changes/tire rotations using their coupons/discounts. But, I never have them do anything more than that unless it's fully covered under warranty -- ...
by Postmon
Mon Jan 05, 2015 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Servicing new vehicle: Dealer or local mechanic?
Replies: 8
Views: 796

Re: Int'l Value vs Int'l Small Caps?

I've been spinning my wheels on what to do with International. My International allocation was: 1/3: Value (EFV) 1/3: Small (VSS) 1/3: EM (IEMG) I TLH'd all my IEMG and replaced it with VWO. A few weeks later, VWO dropped so I TLH'd all of it and that 1/3 has been sitting in cash. Now I'm thinking o...
by Postmon
Sat Jan 03, 2015 10:15 pm
 
Forum: Investing - Theory, News & General
Topic: Int'l Value vs Int'l Small Caps?
Replies: 32
Views: 3972

Re: What is a move-up car after mid-size sedan?

Some of the high end Certified Pre-Owned luxury cars might be worth taking a look at especially if you plan on keeping the vehicle for a while. I'm not up on the latest market conditions, but in the past I've done very well going that route.
by Postmon
Sat Dec 13, 2014 11:57 pm
 
Forum: Personal Consumer Issues
Topic: What is a move-up car after mid-size sedan?
Replies: 63
Views: 4164

Re: To Tilt or Not To Tilt, that's the question

I posted a similar question a few years ago: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=89428 At the time, I decided to tilt. But if I had to do it again, I probably would go 3-Fund for the simplicity. I think there's some psychology that might make one think that a more "sophist...
by Postmon
Tue Dec 09, 2014 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: To Tilt or Not To Tilt, that's the question
Replies: 52
Views: 2610

Re: Best market solution for large car/small SUV for roadtri

rob wrote:If I were to do what I think your after, I would re-purpose a minivan :shock:


+1 on a minivan. I hate to admit it but they are SO much more practical than an SUV. If you can ignore the look, you can't beat them for comfort/capacity especially on road trips.
by Postmon
Wed Dec 03, 2014 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best market solution for large car/small SUV for roadtrips?
Replies: 17
Views: 1518

Re: Why Not 100% Treasuries if your Risk is on the Equity Si

These threads like this make me think of this: http://imgs.xkcd.com/comics/efficiency.png In general, I would agree and know for the LONG term it's like beating a dead horse. However, if the purpose of your bonds is to protect you in worst case scenarios , isn't this why you should be 100% Treasuri...
by Postmon
Fri Nov 14, 2014 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Not 100% Treasuries if your Risk is on the Equity Side?
Replies: 40
Views: 4038

Re: Why Not 100% Treasuries if your Risk is on the Equity Si

I guess it really comes down to what's the purpose of your fixed income allocation. For me, I think of it almost as insurance for when the stock market tanks. I'm willing to give up yield in exchange for being able to sleep at night in the event of something similar to 2008 or a depression. I'm just...
by Postmon
Fri Nov 14, 2014 10:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Why Not 100% Treasuries if your Risk is on the Equity Side?
Replies: 40
Views: 4038

Re: Dealing with pressure for "social donations" at work

It's not a management job (I just started), but I will probably wind up with about $200k per year including all my overtime based on what I've been earning since I started the past few months What, you're making $200K!?!? :oops: I would have guessed you were making $50K from the sound of things. Wh...
by Postmon
Thu Nov 13, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 167
Views: 11422

Re: Dealing with pressure for "social donations" at work

And again, I CANNOT make this contribution pretax. It would be coming out of my own, personal bank account. If it was a question of the company doing it and thereby decreasing my personal bonus by a bit, fine. I'd be on board with that, because I agree with the idea that everyone deserves a piece o...
by Postmon
Thu Nov 13, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 167
Views: 11422

Re: Dealing with pressure for "social donations" at work

Ok, so assuming I do it, how do I stop it from eating me alive with resentment? Because even thinking about it really makes me feel angry and resentful toward my coworkers, including my supervisor, who is someone I otherwise like and respect. Don't sweat the small stuff: http://www.amazon.com/Sweat...
by Postmon
Thu Nov 13, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 167
Views: 11422

Re: Dealing with pressure for "social donations" at work

I hate this whole group gift mentality that has emerged where you get guilted in to giving for almost anything. Whether it's at work, for teachers, donations at a cash register, etc.. As an individual, yes give where appropriate. That said, I'd suck it up and give the full amount. Consider it a busi...
by Postmon
Thu Nov 13, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 167
Views: 11422

Re: Why Not 100% Treasuries if your Risk is on the Equity Si

I continue to stick with Total Bond (and individual TIPS and series I savings bonds) out of some vague feeling that diversification can't hurt. I compromise in that I own the short-term bond index My take is that wider diversification is better than narrow diversification The more I think about it,...
by Postmon
Thu Nov 13, 2014 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Not 100% Treasuries if your Risk is on the Equity Side?
Replies: 40
Views: 4038
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