Search found 782 matches

by feh
Thu Sep 03, 2015 10:50 am
Forum: Investing - Theory, News & General
Topic: Comprehensive list of tax loss harvesting partners
Replies: 53
Views: 2369

Re: Comprehensive list of tax loss harvesting partners

In the end, you need to compare funds yourself. There's a lot of grey area in the IRS language.

For example, I've seen folks suggest TLHing between VFWAX and VTIAX. Personally, I wouldn't, as they appear to be identical to me.
by feh
Wed Sep 02, 2015 12:00 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Advice - Evaluated with Actual Returns from His Company's 401K
Replies: 20
Views: 2549

Re: Dave Ramsey's Advice - Evaluated with Actual Returns from His Company's 401K

His claim that it is "easy to beat the pants off the S&P500" is clearly wrong, as his funds have failed to even match it, but simultaneously, people are also wrong to claim that he is "a sleazy crook". If he is personally profiting from his recommendations to invest in those...
by feh
Wed Sep 02, 2015 11:51 am
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 111
Views: 6603

Re: Selling all equities, discuss why I'm wrong. :)

This move was unplanned and no part of any IPS: I'm in my 30's and not retired. So I have no excuse for not calling this market timing. Come back and let us know when you get back into equities. We'll tell you then if it was a good idea or not. If you are an investor, as opposed to a trader, then I...
by feh
Tue Sep 01, 2015 11:07 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2003
Views: 383483

Re: U.S. stocks in freefall

flyingaway wrote:
rixer wrote:Of course. I just made a sizable purchase yesterday.. :oops:


Yesterday was my automatic 401k contribution date.


My contribution date is the 1st of the month. :D
by feh
Mon Aug 31, 2015 2:30 pm
Forum: Investing - Theory, News & General
Topic: If the Fed announces rate hike Sept 16-17, then . . . .
Replies: 13
Views: 1795

Re: If the Fed announces rate hike Sept 16-17, then . . . .

People keep saying this, but it's not true. The implied probability of a Fed rate hike in September (of 0.25%; nobody really's expecting 0.50%) stands at 28% right now based on Fed funds rate futures, which are set by the markets. So at this point, it would be nothing shocking but not the expected ...
by feh
Mon Aug 31, 2015 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting infrequent expenses (refrigerator, new tires, paint house, etc)
Replies: 27
Views: 2374

Re: Budgeting infrequent expenses (refrigerator, new tires, paint house, etc)

For infrequent, large expenses, I divide the cost of the expense by the expected frequency, in years. That is then a line item in the budget. When it comes time to pay for such things, I use my EF. Some years you'll spend more than you expect, others less. In the years where you spend less, use the ...
by feh
Mon Aug 31, 2015 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Blue collar worker and millionaire dream
Replies: 32
Views: 4399

Re: Blue collar worker and millionaire dream

Blue/white/no collar - it really doesn't matter. Your household income is quite a bit above the median in the US.

LBYM and invest. It's really that simple.
by feh
Mon Aug 31, 2015 12:15 pm
Forum: Investing - Theory, News & General
Topic: If the Fed announces rate hike Sept 16-17, then . . . .
Replies: 13
Views: 1795

Re: If the Fed announces rate hike Sept 16-17, then . . . .

nedsaid wrote:MUnless there is some unexpected news, all this including the rate hike is already baked into the cake.


+1

It's already priced in, and has been for some time.
by feh
Mon Aug 31, 2015 11:55 am
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 123
Views: 6665

Re: Aug 2015 correction: what Bogleheads did...

I was on vacation 8/17-8/26, and did not have easy access to the internet, so I did nothing. If I'd had internet access, I would've moved some money from FI to equities on the 25th or 26th.

Taking care of some TLH today and tomorrow.
by feh
Fri Aug 28, 2015 11:37 am
Forum: Investing - Help with Personal Investments
Topic: ok to place a market order for VEU?
Replies: 20
Views: 454

Re: ok to place a market order for VEU?

livesoft wrote:I think selling on Friday and buying on Monday is bad because lots of things can happen over the weekend. I would sell FSGDX on Monday and buy on Tuesday.


That's exactly what I plan to do.
by feh
Fri Aug 28, 2015 11:29 am
Forum: Investing - Help with Personal Investments
Topic: ok to place a market order for VEU?
Replies: 20
Views: 454

Re: ok to place a market order for VEU?

why can't you sell and buy the same day? If you call Fidelity they might allow you to do this. I did same with Vanguard a few years back Yes, that is an option at Fidelity, if you call them. However, I'd be buying VEU immediately, without knowing what the sale price of FSGDX would be at the end of ...
by feh
Fri Aug 28, 2015 10:59 am
Forum: Investing - Help with Personal Investments
Topic: ok to place a market order for VEU?
Replies: 20
Views: 454

Re: ok to place a market order for VEU?

Thanks everybody. I'm going to place a single limit order and let Fidelity handle the details.
by feh
Fri Aug 28, 2015 10:42 am
Forum: Investing - Help with Personal Investments
Topic: ok to place a market order for VEU?
Replies: 20
Views: 454

Re: ok to place a market order for VEU?

livesoft wrote:As for this past Monday's volatility, I didn't see anybody complaining about buying ETFs 10% to 30% below the prices of later in the day.


Right; is a market order something I need to worry about, given that I'm buying and not selling?
by feh
Fri Aug 28, 2015 10:31 am
Forum: Investing - Help with Personal Investments
Topic: ok to place a market order for VEU?
Replies: 20
Views: 454

Re: ok to place a market order for VEU?

livesoft wrote:Who is your broker? Are your trades free?


Fidelity. Transaction cost will be $8.
by feh
Fri Aug 28, 2015 10:20 am
Forum: Investing - Help with Personal Investments
Topic: ok to place a market order for VEU?
Replies: 20
Views: 454

Re: ok to place a market order for VEU?

It might be safe and it might not be. I wrote a couple days ago about placing a market order to SELL about 5 minutes before the market opened and I got the BEST price of the day at the so-called opening cross: https://www.bogleheads.org/forum/viewtopic.php?p=2600976#p2600976 I think it is OK to pla...
by feh
Fri Aug 28, 2015 10:07 am
Forum: Investing - Help with Personal Investments
Topic: ok to place a market order for VEU?
Replies: 20
Views: 454

Re: ok to place a market order for VEU?

Thanks everybody. Message received.
by feh
Fri Aug 28, 2015 9:50 am
Forum: Investing - Help with Personal Investments
Topic: ok to place a market order for VEU?
Replies: 20
Views: 454

ok to place a market order for VEU?

VEU is Vanguard's ETF version of VFWAX (total ex-US). I'm going to sell a mutual fund for tax loss harvesting and buy VEU w/ the proceeds the next trading day (can't buy VFWAX, so I'm using the ETF). Is it safe to place a market order to be executed first thing the next trading day, due to the shear...
by feh
Thu Aug 27, 2015 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: fsgdx: tax loss harvest
Replies: 7
Views: 326

Re: fsgdx: tax loss harvest

indexfundfan wrote:The Fidelity fund follows an index provided by MSCI. Vanguard's international funds (including VTIAX & VFWAX) follow FTSE.


Excellent.

Can anybody explain the differences between VTIAX and VFWAX? Comparing them on M*, they seem all but identical.
by feh
Thu Aug 27, 2015 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: fsgdx: tax loss harvest
Replies: 7
Views: 326

Re: fsgdx: tax loss harvest

VTIAX: The composition of the two funds are not substantially identical in my opinion. VFWAX is another choice that is even less substantially identical to the Fidelity fund. Thanks. Is anybody aware of a site that lists which benchmark a particular fund follows? In my initial searches, it's not cl...
by feh
Thu Aug 27, 2015 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: fsgdx: tax loss harvest
Replies: 7
Views: 326

fsgdx: tax loss harvest

Hi folks.

Somebody want to recommend a fund (hopefully Vanguard) that I could exchange for Fidelity's FSGDX for TLHing? Obviously something that wouldn't be a wash sale?

Thanks.
by feh
Thu Aug 06, 2015 10:57 am
Forum: Investing - Theory, News & General
Topic: CDs vs. treasury bonds
Replies: 99
Views: 7190

Re: CDs vs. treasury bonds

For short term investments, I've been using CDs the last couple years. For fixed income w/ a horizon of 5+ years, I'm sticking w/ TBM.
by feh
Wed Aug 05, 2015 1:13 pm
Forum: Investing - Theory, News & General
Topic: Forbes: How much by age
Replies: 45
Views: 8004

Re: Forbes: How much by age

HomerJ wrote:Income is not the correct variable to measure...

It's expenses that matter...


+10000

I find such articles as the one in the original post R-I-D-I-C-U-L-O-U-S.
by feh
Fri Jul 31, 2015 12:03 pm
Forum: Investing - Theory, News & General
Topic: Bond Prices and Anticapted FED Increae
Replies: 5
Views: 672

Re: Bond Prices and Anticapted FED Increae

ogd wrote:The short version is that the that particular part of the consensus has been priced in long ago. The market doesn't like to wait until you hear about it.


^^^^ This.
by feh
Thu Jul 30, 2015 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Only low expense bond fund removed from 401(k)
Replies: 7
Views: 576

Re: Only low expense bond fund removed from 401(k)

Previously, my 401(k) at my current employer consisted of somewhat expensive (0.53 to 1.21%) actively managed mutual funds, along with one low expense S&P 500 fund and one low expense (closet index) TIPS fund. I was disappointed to discover this week that the TIPS fund had been removed. I'm ver...
by feh
Tue Jul 28, 2015 12:45 pm
Forum: Investing - Theory, News & General
Topic: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?
Replies: 45
Views: 2732

Re: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?

I plan on retiring in the next 1-2 years. To mitigate sequence of return risk, I have been gradually moving some assets from stocks to fixed income. I started at about 57% stocks and am now at 42% stocks. This is a bit of market timing; however, I have concluded it is the prudent thing to do, espec...
by feh
Tue Jul 21, 2015 11:54 am
Forum: Investing - Theory, News & General
Topic: Best Portfolio Tracker
Replies: 12
Views: 1792

Re: Best Portfolio Tracker

I've tried many, and always end up relying on M*.

OP - do a search. This topic has been discussed before.
by feh
Fri Jul 17, 2015 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Best moves for SCV tilt
Replies: 2
Views: 490

Re: Best moves for SCV tilt

Our US SCV is in VBR. Our ex-US SC(V) is in VSS and SCZ.
by feh
Wed Jul 15, 2015 1:08 pm
Forum: Personal Consumer Issues
Topic: CNBC & Fox Business Websites
Replies: 26
Views: 3003

Re: CNBC & Fox Business Websites

I visit bloomberg, marketwatch, cnbc and money.cnn.com.

Of those 4, bloomberg is the most "serious", with less click bait than the others.
by feh
Tue Jul 14, 2015 11:40 am
Forum: Investing - Theory, News & General
Topic: Whatever happened to the advocates of CDs vs Bonds?
Replies: 58
Views: 5760

Re: Whatever happened to the advocates of CDs vs Bonds?

I have a short term bucket (less than 5 years) and a long term bucket (> 5 years).

The long term bucket uses total bond for its fixed income component. The short term bucket has a combination of CDs and short term bond funds. Doesn't have to be either/or.
by feh
Thu Jul 09, 2015 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - New $10 ATM Fee Reimbursement Limit
Replies: 68
Views: 4856

Re: Ally Bank - New $10 ATM Fee Reimbursement Limit

tyrion wrote:Taking out money in bigger chunks sure seems a lot easier than switching banks.


+1

We use CCs as often as possible for the rewards. We get $300 in cash from an ATM maybe every couple months. I only keep about $10-40 on me; the rest sits in a drawer at home.
by feh
Tue Jul 07, 2015 12:36 pm
Forum: Investing - Theory, News & General
Topic: How aggressive are you in Taxable?
Replies: 37
Views: 3221

Re: How aggressive are you in Taxable?

Sidney wrote:I manage it all as one portfolio. All my equity is in taxable. The money doesn't know.


+1

My taxable accounts are for retirement, just as my tax-advantaged accounts are. For tax efficiency, my taxable accounts are 100% equities.
by feh
Mon Jul 06, 2015 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 95
Views: 9482

Re: What age did you become debt free and what opportunities did it create?

Paid off our mortgage in our late 30s. Simply enabled us to save more for retirement.
by feh
Mon Jul 06, 2015 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Your retirement goals
Replies: 31
Views: 3685

Re: Your retirement goals

*****When do you plan on retiring (age)? Spouse too if applicable. *****What are your retirement income goals annually? *****What do you expect/plan for ss income and when do you plan on talking it(including spouses if applicable)? *****Will your home be paid off at time of retirement? 50 (52+ for ...
by feh
Thu Jul 02, 2015 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Obsessing towards zero balance on credit card.
Replies: 135
Views: 11164

Re: Obsessing towards zero balance on credit card.

packet wrote:So here're my questions for those of you who pay in full each month:
How often do you check and pay your credit card(s) in full each month?
What's your method?


I see charges daily (via mint.com).

Payment is once a month, on the due date, via automatic ACH.
by feh
Wed Jul 01, 2015 2:30 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 113
Views: 12288

Re: TIPS - Did you give up?

Working towards having 20% of fixed income in TIPS by retirement (probably next year).

Currently at 16%. I include I Bonds in that percentage.
by feh
Thu Jun 25, 2015 11:40 am
Forum: Personal Finance (Not Investing)
Topic: making minor changes to a will
Replies: 9
Views: 1032

Re: making minor changes to a will

Sidney wrote:
feh wrote:Thanks everybody.

First step is to read the will, which I have not done yet...

Surely you read it before you signed it.


Many moons ago. I don't know what it says about the absence of beneficiaries.
by feh
Thu Jun 25, 2015 11:01 am
Forum: Personal Finance (Not Investing)
Topic: making minor changes to a will
Replies: 9
Views: 1032

Re: making minor changes to a will

Thanks everybody.

First step is to read the will, which I have not done yet...
by feh
Thu Jun 25, 2015 9:37 am
Forum: Personal Finance (Not Investing)
Topic: umbrella coverage premiums
Replies: 34
Views: 3236

Re: umbrella coverage premiums

We pay $230 for $2 million with State Farm. I assume we get a price break because all of our insurance is through them.
by feh
Thu Jun 25, 2015 9:15 am
Forum: Personal Finance (Not Investing)
Topic: making minor changes to a will
Replies: 9
Views: 1032

making minor changes to a will

Hi folks.

My wife and I created our will about 12 years ago, and we used an attorney. Since then, a couple relatives that were to receive some monies have passed away.

So, it needs to be tweaked. Can we make such a simple change ourselves? If so, is there a proper/legal way to do it?

Thanks.
by feh
Wed Jun 24, 2015 12:14 pm
Forum: Personal Consumer Issues
Topic: Most Economical Way to Handle the Lawn
Replies: 84
Views: 8546

Re: Most Economical Way to Handle the Lawn

livesoft wrote:Ask your neighbor for help. Let it be his project.


+1

Just because the neighbor desires a manicured yard doesn't mean you need to jump through hoops to do the same.
by feh
Tue Jun 23, 2015 12:07 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 220
Views: 25591

Re: What was the 2008 crash like in real time?

355 is chilling. The first few minutes talking about the money pool and chasing returns because of the "low 1%". If 1% was bad for a few years, whats 0-0.25% for 7 years do? Makes you wonder. I'm listening to it right now...chilling is a good word. I think it was in the second episode whe...
by feh
Tue Jun 23, 2015 11:50 am
Forum: Investing - Theory, News & General
Topic: Small Cap Index - What % of equities?
Replies: 74
Views: 7785

Re: Small Cap Index - What % of equities?

33% of equities in small-value.
by feh
Tue Jun 23, 2015 11:48 am
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 220
Views: 25591

Re: What was the 2008 crash like in real time?

Did everyone here stick to their strategies during the crash? I was not a boglehead in 2008, and we were 100% equities. Sizable portfolio also, as opposed to just starting the accumulation phase. Didn't have a strategy to follow, but I knew enough not to sell. Kept buying in 401K/IRA. I stopped loo...
by feh
Fri Jun 19, 2015 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 18094

Re: Is it worth aspiring to get more?

How do you know you aren't getting yourself into an endless loop? That is, you work for 2 years, and 2 years later you are faced w/ the same problem? The "one more year" syndrome.

There will always be a bigger house/nicer car to afford.
by feh
Mon Jun 15, 2015 10:41 am
Forum: Investing - Theory, News & General
Topic: Why High Equity Allocation in Retirement
Replies: 82
Views: 10965

Re: Why High Equity Allocation in Retirement

I'm planning on 60% equities in retirement, at least for the first 10-20 years. Relevant factors: I'll be retiring early and have 40+ year horizon and my withdrawal rate should be 3% at the most.
by feh
Wed Jun 10, 2015 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?
Replies: 101
Views: 11633

Re: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?

I'd be interested in hearing more and I will continue to update as I sleep on it and learn a bit more about the other company/role. This is a personal decision that only you can make. If I were in your shoes, I'd keep the current job. You're already making a ton of money, and you get to enjoy your ...
by feh
Wed Jun 10, 2015 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: I need to be group shamed
Replies: 28
Views: 5282

Re: I need to be group shamed

I did it twice in 2014. Haven't seen any dips big enough this year to entice me.
by feh
Wed Jun 10, 2015 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2574

Re: Total:Tilt ratios for Small/Emerging/TIPS

We used 2:1 ratios all over the portfolio, including equities/bonds, but am now sliding toward 60/40 as I approach retirement. Would you adjust the sub ratios to match, e.g., 60US:40Intl? No. Our ex-US equities will remain 33% of all equities. Same for our SV tilt (33% of all equities). Planning on...
by feh
Wed Jun 10, 2015 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2574

Re: Total:Tilt ratios for Small/Emerging/TIPS

We use 2:1 ratio: US eq:ex-US eq and total market:small-value. We currently have 2US:1ex-US. Any reason why you tilted small value for US but nothing for ex-US? We tilt to SV (actually, VSS, which isn't really SV) in international too. We used 2:1 ratios all over the portfolio, including equities/b...

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