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Re: Do you consider mortgage payments as savings?

And retirement contributions are simply prepayments of future spending. I'm shocked how many people consider that "savings". Haha, that deserves a response of "touche" :beer Yup, as long as you consider repayment and prepayment as the same thing. :oops: The mental accounting in ...
by feh
Wed Mar 04, 2015 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 316
Views: 12800

Re: Where's your Will?

Used to keep it in a safe deposit box. Stopped renting the SDB, so now kept at home.
by feh
Wed Mar 04, 2015 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where's your Will?
Replies: 42
Views: 2220

Re: Do you consider mortgage payments as savings?

I can't believe this thread is this long...

Mortgage payment is simply repayment of a loan. I'm shocked how many people consider that "savings".
by feh
Wed Mar 04, 2015 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 316
Views: 12800

Re: Tax Loss Harvesting Bonds??

nobsinvestor wrote:Does anyone have a TLH strategy for bond funds when rates rise?


All my bonds are in tax-deferred, so this would not be beneficial.
by feh
Wed Mar 04, 2015 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Bonds??
Replies: 7
Views: 480

Re: Wondering how to convert to Admiral Shares?

Just did this today! I didn't give Vanguard the chance to notify me.

VFSTX -> VFSUX
by feh
Wed Mar 04, 2015 12:40 pm
 
Forum: Investing - Theory, News & General
Topic: Wondering how to convert to Admiral Shares?
Replies: 13
Views: 1373

Re: What's your average ER?

.16% (weighted)
by feh
Mon Mar 02, 2015 10:40 am
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 107
Views: 5135

Re: Can I afford my dream house?

I was in a very similar situation when we bought our house. We were lucky that prices had softened when we bought. Rather than buy the most house we could afford, we bought an adequate house in the best school district and had provisioned a 2 year cash emergency fund set aside in case of job loss o...
by feh
Fri Feb 27, 2015 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford my dream house?
Replies: 49
Views: 4047

Re: No VWIUX at Fidelity

dratkinson wrote:If you expect to own a 3-fund Vanguard portfolio, double-check the availability of VTSMX/VTSAX (and your international choice) at Fidelity.


For total US, total international and total bond, Fidelity has funds that are equivalent to Vanguard when it comes to ER.
by feh
Thu Feb 26, 2015 11:02 pm
 
Forum: Investing - Theory, News & General
Topic: No VWIUX at Fidelity
Replies: 17
Views: 1324

Re: No VWIUX at Fidelity

I just called found out that Fidelity doesn't offer VWIUX (Vanguard Intermediate-Term Tax-Exempt Fund - Admiral class). They offer VWITX - the investor class version of the fund (with a $75 transaction fee), but no admiral class. Of course, the rep tried to convince me to use the equivalent Fidelit...
by feh
Thu Feb 26, 2015 1:33 pm
 
Forum: Investing - Theory, News & General
Topic: No VWIUX at Fidelity
Replies: 17
Views: 1324

Re: Learning Taxable Accounts

If you buy a fund in a taxable account for 10k and it pays out a $300 dividend, that dividend is taxable income (although the rate may be zero). You may take that dividend in cash, in which case you still have your original cost basis of 10k. However, if you reinvest the dividend, your cost basis i...
by feh
Thu Feb 26, 2015 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: Learning Taxable Accounts
Replies: 5
Views: 648

Re: What age do you guys plan to retire?

Next year, at 50.
by feh
Mon Feb 23, 2015 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8596

Re: Keep Holding Series EE US Savings Bonds?

Keep the bonds. For 1992-2007 the rates should be very good compared to current fixed income alternatives. This is a blanket statement, and not accurate (to the best of my knowledge). OP - you really need to check on each bond. Some of them may be earning relatively nice interest. Others could be a...
by feh
Sat Feb 21, 2015 8:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Keep Holding Series EE US Savings Bonds?
Replies: 9
Views: 816

Re: Keep Holding Series EE US Savings Bonds?

We can't answer this question without knowing when each bond was purchased.

Go over to treasurydirect.gov and do some reading on EE bonds. They also have some tools that will tell you when the bonds will reach face value (for those that haven't), what interest rate they're earning, etc.
by feh
Fri Feb 20, 2015 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Keep Holding Series EE US Savings Bonds?
Replies: 9
Views: 816

Re: should son cash EE savings bonds?

happen to see your thread - I've been wondering the same thing - and our son is 24 - BTW - wonder how you are keeping track of the bonds ? Did you turn them in, and keep track online ? or - I'm using the Savings Bond Wizard - very primitive software program. http://www.treasurydirect.gov/indiv/tool...
by feh
Mon Feb 16, 2015 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: should son cash EE savings bonds?
Replies: 5
Views: 556

should son cash EE savings bonds?

Hi folks. My son is 15, and I recently remembered that he received several EE bonds when he was an infant. They were all issued in the 99-01 time frame. I'm wondering if they should be cashed and the proceeds placed in his 529 account. Questions/thoughts: they are currently earning about 1.5% I'm fa...
by feh
Mon Feb 16, 2015 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: should son cash EE savings bonds?
Replies: 5
Views: 556

Re: Pfau: Four Risks of Retirement Income

My take on this is that the 4% fails when returns are low or negative early in retirement. The answer then should be to save for a 4% comfortable early retirement. If right after you retire there is a down market, go back to work part time if possible to avoid drawing down the portfolio for a year ...
by feh
Mon Feb 16, 2015 1:08 pm
 
Forum: Investing - Theory, News & General
Topic: Pfau: Four Risks of Retirement Income
Replies: 31
Views: 4338

Re: National muni tax-exempt funds

OP - if you decide to go short term, look at VMLTX/VMLUX.

I opened a Vanguard account to avoid the $75 charge I would've had to pay through Fidelity.
by feh
Fri Feb 13, 2015 12:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: National muni tax-exempt funds
Replies: 10
Views: 939

Re: My early 30's Ameriprise portfolio - UPDATE

Another vote for bonds in the portfolio. I suggest 20%.
by feh
Fri Feb 13, 2015 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: My early 30's Ameriprise portfolio - UPDATE
Replies: 45
Views: 5167

Re: College savings costs / number

The rising costs for attending college are unsustainable. Something has got to give. +1 Over the next 20 years I see major changes occurring, most likely in the form of online/distance learning. The traditional experience of a dorm room/apartment near campus and attending classes in vine covered bu...
by feh
Thu Feb 12, 2015 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: College savings costs / number
Replies: 120
Views: 6386

Re: College savings costs / number

The rising costs for attending college are unsustainable. Something has got to give. +1 Over the next 20 years I see major changes occurring, most likely in the form of online/distance learning. The traditional experience of a dorm room/apartment near campus and attending classes in vine covered bu...
by feh
Thu Feb 12, 2015 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: College savings costs / number
Replies: 120
Views: 6386

Re: The Best 60/40 Portfolio?

40% Vanguard Total U.S. Stock Market Index (VTSMX) 20% Vanguard Total International Stock Index (VGTSX) 32% Vanguard Total Bond Market Index (VBFMX) 8% Vanguard Inflation-Protected Securities (VIPSX) This AA is exactly what I plan on holding at the start of my retirement next year, except 1/3 of th...
by feh
Thu Feb 12, 2015 11:30 am
 
Forum: Investing - Help with Personal Investments
Topic: The Best 60/40 Portfolio?
Replies: 20
Views: 2159

Re: Cheap web hosting

I'm currently using siteground.com. Been happy with them.
by feh
Tue Feb 10, 2015 4:41 pm
 
Forum: Personal Consumer Issues
Topic: Cheap web hosting
Replies: 15
Views: 1004

Re: Need advice: 401k and Annual Bonus

It drives me nuts that 401K plans force people to use percentages like this...

The plan administrator before my current one allowed you to specify a dollar amount to be taken from each paycheck, and you could exclude bonuses. That made things very easy.
by feh
Tue Feb 10, 2015 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice: 401k and Annual Bonus
Replies: 8
Views: 1005

Re: Best Small Cap Value Funds

SCZ is EAFE, not domestic.

For US, I only use VBR. For ex-US I use VSS and SCZ.
by feh
Fri Feb 06, 2015 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: Best Small Cap Value Funds
Replies: 43
Views: 4273

Re: Seeking advice on learning computer science

I haven't read the entire thread, but I suggest you first determine what aspect of computer technology you are interested in. Here's a rough outline, each one building on the previous: hardware (internal guts of the machine: storage (hard drives, solid state storage), CPUs, display devices, peripher...
by feh
Thu Feb 05, 2015 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Seeking advice on learning computer science
Replies: 40
Views: 1908

Re: Fidelity or Vanguard

I think Vanguard has better products, and Fidelity has better service. Holding Vanguard ETFs in a Fidelity account you get the best of both. bingo. i swapped all my vanguard accounts to fidelity and couldn't be happier. fido has the better website, apps, tools, etc it's not even in the same ballpar...
by feh
Thu Feb 05, 2015 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 31
Views: 2987

Re: Approaching Roth IRA income limits

Here's what I've done the past couple of years. It might not be the most efficient, but it is possibly the easiest. I wait until mid-March of the following year to make the previous year's Roth contribution. That way, you know exactly what your tax situation is. You lose a relatively small amount o...
by feh
Thu Feb 05, 2015 12:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Approaching Roth IRA income limits
Replies: 15
Views: 1276

money needed in 3 years

Looking to invest in something short term (assume 3 year horizon, although probably won't need the money at that time)...what would you choose?

3 year CDs seem to be around 1.3-1.4%.

Short term corporate (VFSTX) 30 day yield is 1.54%

Something else?
by feh
Wed Feb 04, 2015 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: money needed in 3 years
Replies: 8
Views: 816

Re: How much can I afford to spend on a car?

seeshells wrote:Secondarily speaking, Is FI your goal? If so, invest every penny you can, till you are!!


+1

Whenever I see a question about "how much can I afford" something, I always feel the wrong question is being asked,
by feh
Mon Feb 02, 2015 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much can I afford to spend on a car?
Replies: 32
Views: 2331

Re: The lowest stock allocation you plan to stay with

Planning on 60/40 at retirement; no plans to get more conservative than that.
by feh
Fri Jan 30, 2015 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 79
Views: 4361

Re: Are any US-only investors having 2nd thoughts?

Newb, Newb, Newb... Newb... some of the threads you start (bored when market is closed).... and, now this... :oops: I'm starting to think he's trolling; way too many threads started like this that are obviously anti-Boglehead. Care to explain how the thread is anti-Boglehead? One of the Bogle corne...
by feh
Wed Jan 28, 2015 10:07 pm
 
Forum: Investing - Theory, News & General
Topic: Are any US-only investors having 2nd thoughts?
Replies: 44
Views: 4573

Re: Payoff Mortgage with investments in taxable accounts

sgl wrote:We have a 529 for the kid with about a 40k balance. Other than that we would pay as we go with the freed up cash from not having a mortgage.


You could also pay as you go w/ the money you're thinking about using to pay off the mortgage.

At 3% I wouldn't pay it off early.
by feh
Wed Jan 28, 2015 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage with investments in taxable accounts
Replies: 22
Views: 1719

Re: Are any US-only investors having 2nd thoughts?

Twins Fan wrote:Newb, Newb, Newb... Newb... some of the threads you start (bored when market is closed).... and, now this... :oops:


I'm starting to think he's trolling; way too many threads started like this that are obviously anti-Boglehead.
by feh
Wed Jan 28, 2015 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: Are any US-only investors having 2nd thoughts?
Replies: 44
Views: 4573

Re: Critique of Fidelity Index Portfolio

Looks fine to me (I'm also a Fido customer).

The primary difference between your port and mine is that I use VBR for US small value, as I'm not fond of Fido's options in that space.
by feh
Wed Jan 28, 2015 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Critique of Fidelity Index Portfolio
Replies: 28
Views: 1483

Re: nearing retirement: where to invest funds?

Thanks for the feedback. I looked into the option of a backdoor Roth, but given that I have somewhat large balances in existing IRAs, the benefit would be negligible. So, unless I'm missing something, my only real option here is to max out my 401K. Are there any other ways to expand my tax-advantage...
by feh
Wed Jan 28, 2015 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: nearing retirement: where to invest funds?
Replies: 3
Views: 742

nearing retirement: where to invest funds?

Hi folks. For the purpose of this post, let X = 1 year of annual expenses. Current investments: taxable accounts: 19X tax deferred: 18X I am a little more than 1 year from retirement (I will be 50). One of my goals before pulling the plug was to have 3X in short term taxable investments (safety net ...
by feh
Tue Jan 27, 2015 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: nearing retirement: where to invest funds?
Replies: 3
Views: 742

Re: I'm thinking about making very large 529 contributions A

We've already contributed all that we're going to.
by feh
Thu Jan 22, 2015 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm thinking about making very large 529 contributions ASAP
Replies: 71
Views: 5419

Re: What age did you pay off your "forever" home

Not sure what you mean by "forever" home. I'm sure we'll be buying at least one more house in our lifetime.

We bought our current house for cash. I think that'll be the case with the next one also. I was about 38 the last time I had a mortgage payment.
by feh
Thu Jan 22, 2015 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you pay off your "forever" home
Replies: 52
Views: 4180

Re: Looking for low cost cell phone plans...

Another happy Ting customer here.

Previously used Tracfone, but could not tolerate the abysmal customer service any longer. A case where rock-bottom price is not the best option.
by feh
Tue Jan 13, 2015 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for low cost cell phone plans...
Replies: 47
Views: 4089

Re: Where do you tilt your Total Int'l Fund?

I tilt to small cap, for the same reason I tilt US equities.

I'd like to tilt to SCV and not just SC, but there aren't many funds to choose from.
by feh
Mon Jan 12, 2015 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: Where do you tilt your Total Int'l Fund?
Replies: 40
Views: 3302

Re: Net Worth Survey, 2015 Edition

richard wrote:
feh wrote:+1

It would be nice to see net worth numbers which don't include SS and pensions.

Not only would it be nice, those numbers are already included


Yup, noticed that after reading further into the thread.

Thanks bobblehead.
by feh
Fri Jan 09, 2015 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 135
Views: 23671

Re: Net Worth Survey, 2015 Edition

A reminder that if you're concerned about privacy, it's best not to post here immediately after completing the survey, so others don't link it by your timestamps. Even just a little information about you can narrow it down pretty quickly. As an aside, while I know the present value of social securi...
by feh
Fri Jan 09, 2015 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 135
Views: 23671

Re: Best online checking account

You didn't ask, but, my preference is for the use of a brick and mortar bank for checking. Interest on low dollar checking accounts is low or nonexistent so that is not a consideration. Most banks now support online transactions and I like to support in my little way local businesses. Given this, I...
by feh
Fri Jan 09, 2015 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best online checking account
Replies: 52
Views: 5056

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

SCZ (IShares)
FSGDX
FSTVX
FSITX

I also own a couple Vanguard funds through Fido, but I thought the question was regarding Fido products.
by feh
Thu Jan 08, 2015 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Customers, What Do You Hold at FIDO?
Replies: 43
Views: 4110

Re: Do you check you get all your dividends?

One of the great things about the M* portfolio tracker is that it keeps track of distributions for the funds you own. Hasn't happened yet, but that would be my method for realizing that a divs or cap gains have not been delivered.
by feh
Thu Jan 08, 2015 12:53 pm
 
Forum: Investing - Theory, News & General
Topic: Do you check you get all your dividends?
Replies: 20
Views: 2418

Re: [Annual POLL] What was your 2014 return?

SCV lagged the S&P 500, which is what I was comparing it against. Sorry that I wasn't clear. VFINX: 11.5% VBR: 8.6% VTSMX: 10.5% M* and Vanguard have the VBR total return as 10.55%. Perhaps you listed numbers without dividend re-invested? Yes, you are correct. However, the divs are also exclude...
by feh
Wed Jan 07, 2015 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14480

Re: advice on extracting myself from employer

As long as you are prepared to stay until they find someone (especially because the skills - not including your own knowledge, obviously - aren't rare), and can also stay to train them, what's the rush? Seems like an ideal situation for everyone, no? RM Good point - given that I'd be willing to sti...
by feh
Tue Jan 06, 2015 12:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: advice on extracting myself from employer
Replies: 8
Views: 631

Re: advice on extracting myself from employer

First I would think you might want to diversify more so a market hit before April, 2016 wouldn't derail your retirement plans. Our portfolio is well-diversified. I'm a boglehead. Current portfolio is 35x annual expenses. Every calculator says I'm good to go, but if that were to fall to 25x or lower...
by feh
Tue Jan 06, 2015 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: advice on extracting myself from employer
Replies: 8
Views: 631

Re: advice on extracting myself from employer

Any idea how long it might take them to find a replacement? Probably 2 months at a minimum How rare are your skills? My skills aren't all that rare - it's more an issue of familiarity with the existing code base. And how long might it take you to train someone, sharing some of your own memory, etc....
by feh
Tue Jan 06, 2015 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: advice on extracting myself from employer
Replies: 8
Views: 631

advice on extracting myself from employer

Hi folks. Looking for advice on my looming early retirement (current plan is 15 months from now). In particular, when and how to let my employer know of my plans. Here are some relevant details: ⋅ I'm a software developer in a small-ish company; 55 total employees and 12-15 developers &sdo...
by feh
Tue Jan 06, 2015 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: advice on extracting myself from employer
Replies: 8
Views: 631
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