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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: 63
Views: 4295

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: 4021

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: 3965

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: 3208

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: 132
Views: 21844

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: 132
Views: 21844

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: 4858

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: 4031

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: 2396

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: 14076

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: 617

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: 617

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: 617

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: 617

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

Can someone tell me why my return was so low this year? Because SCV and ex-US did poorly compared to total US. Actually, SCV did quite well this year especially compared to small-cap blend and small-cap growth. One can even say that TSM was dragged down by small-cap growth a little bit. Large-cap U...
by feh
Tue Jan 06, 2015 9:01 am
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14076

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

JustinR wrote:Can someone tell me why my return was so low this year?


Because SCV and ex-US did poorly compared to total US.
by feh
Mon Jan 05, 2015 1:18 pm
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14076

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

5.something % for 2014, with a 67/33 portfolio.

Lagged benchmark a bit due to:
- no REITs
- tilt to small value
- tilt to ex-US
by feh
Mon Jan 05, 2015 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14076

Re: Most/Least Boglehead 2014 Activity?

Bought equities on both of the major dips this year (2/3 & 10/15). Not because I needed to rebalance; simply market timing.
by feh
Wed Dec 17, 2014 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 9445

PSA - check your reinvestment settings

Just thought I'd pass this along to prevent anybody else from having the same issue... I have a taxable account at Fidelity. In 2013, I set all positions to not reinvest dividends/cap gains. Two or three months ago, I TLH'd one of those positions and bought a similar fund. Since the similar fund was...
by feh
Wed Dec 17, 2014 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: PSA - check your reinvestment settings
Replies: 2
Views: 448

Re: (Poll) Did you tap into emergency fund in the past 10 ye

I answered "no" because we haven't tapped our EF for living expenses. However, our EF isn't just an EF - it's also set aside for occasional large purchases. In the last 10 years, it's been used for things like car purchases and unexpectedly large tax bills.
by feh
Fri Dec 12, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: (Poll) Did you tap into emergency fund in the past 10 years?
Replies: 64
Views: 5768

Re: How to teach young kids to be frugal?

Lead by example. Deny yourself things that are too expensive or do not provide a good value for the dollar, and make sure they know the thought process behind your decision. +1 We don't lack for money; we could buy our son pretty much whatever he wants, but we don't. We get our books from the local...
by feh
Fri Dec 12, 2014 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to teach young kids to be frugal?
Replies: 65
Views: 4274

Re: TIPS Mutual Funds

Bracket wrote:I'm sticking with my TIPS fund. (20% of my fixed income)


That's the percentage I'm heading for (I include I bonds in that percentage).
by feh
Fri Dec 12, 2014 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS Mutual Funds
Replies: 42
Views: 3033

Re: Poll: Your Portfolio Tax Diversification

50% taxable
40% tIRA/401K
10% Roth
by feh
Fri Dec 12, 2014 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Your Portfolio Tax Diversification
Replies: 45
Views: 2631

Re: TIPS Mutual Funds

I'm adding them to my portfolio for the first time, because I'm getting ready to retire.

Don't try to time the market.
by feh
Fri Dec 12, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS Mutual Funds
Replies: 42
Views: 3033

Re: Slice And Dice Alternative Retirement Investments

For the slice-n-dicers and tilters... What are your thoughts about getting exposure to precious metals and commodities? Do you think either or both have an allocation in your retirement portfolio? Regarding precious metals in particular, do you think it's better to buy ETFs that have physical posse...
by feh
Thu Dec 11, 2014 11:23 am
 
Forum: Investing - Theory, News & General
Topic: Slice And Dice Alternative Retirement Investments
Replies: 9
Views: 1215

Re: POLL: Should investors have a separate emergency fund?

Here's maybe another way of thinking about the idea. Say that I'm a new investor who has a $10,000 emergency fund and $20,000 invested 75/25. I then have a $10,000 emergency, so I spend down the emergency fund. I think I should "rebalance" and refill the emergency fund with money from my ...
by feh
Thu Dec 04, 2014 1:08 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Should investors have a separate emergency fund?
Replies: 58
Views: 3625

Re: POLL: Should investors have a separate emergency fund?

backpacker wrote:The weird thing about emergency funds is that they make your overall asset allocation depend on whether or not you happen to have had a recent personal financial emergency.


Only if you consider your EF to be part of your portfolio. I wouldn't.
by feh
Wed Dec 03, 2014 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Should investors have a separate emergency fund?
Replies: 58
Views: 3625

Re: What % of your fixed-income is TIPs?

13%, moving toward the target of 20% when I retire in 16 months.
by feh
Wed Dec 03, 2014 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: What % of your fixed-income is TIPs?
Replies: 71
Views: 3621

Re: muni bond funds in taxable - reinvest dividends?

I do reinvest dividends from bond funds. I do not reinvest dividends from equity funds.

FWIW - in our taxable accounts, our AA is about 90/10, so the bond fund dividends don't amount to much. I am not yet retired, so not selling anything.
by feh
Tue Dec 02, 2014 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: muni bond funds in taxable - reinvest dividends?
Replies: 26
Views: 5527

Re: Penfed December cd rates released - Down

Had set aside a small amount of cash for potential CD purchases at the end of the year; bought some VFSTX instead.
by feh
Mon Dec 01, 2014 1:13 pm
 
Forum: Investing - Theory, News & General
Topic: Penfed December cd rates released - Down
Replies: 6
Views: 1319

Re: 529 Plan - when to stop contributing?

Any suggestions on when to stop contributing to 529 plans. How much is too much? Tough to plan when you don't know where the kids are going to school, how long they will be there, and how much it will cost. What percentage of your childrens' college costs you want to pay is a personal choice - only...
by feh
Fri Nov 21, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 Plan - when to stop contributing?
Replies: 15
Views: 2056

Re: What temperature for house for long winter absence?

+1 on emptying the pipes and turning off the water.

If that's not an option, the answer depends on the particulars of your house - how well it's insulated, where the pipes run, etc. We had an empty house for a winter where the temps can get below zero, and kept the thermostat set at 50.
by feh
Thu Nov 20, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: What temperature for house for long winter absence?
Replies: 54
Views: 7529

Re: Should one auto-reinvest dividends in taxable?

mkc wrote:We don't auto-reinvest but rather use dividends to rebalance as needed to maintain our desired AA.


+1

Flexibility.
by feh
Wed Nov 05, 2014 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should one auto-reinvest dividends in taxable?
Replies: 19
Views: 2139

Re: Paying portfolio fees to Fidelity vs investing on own

I have nearly the same $ with fidelity but manage it myself. All in spartan advantage index funds. On $1.2M, i pay $1055 a year total. Rebalance for 15 minutes once a year I considered moving to vanguard and gave them a shot by attempting to open a roth. Can't do it 100% online so I gave up and did...
by feh
Wed Nov 05, 2014 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Paying portfolio fees to Fidelity vs investing on own
Replies: 17
Views: 1476

Re: iBonds at zero % fixed

imgritz wrote:Why do you prefer this over a Vanguard tax exempt fund?


I own both.
by feh
Tue Nov 04, 2014 1:13 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9789

Re: iBonds at zero % fixed

Well, now I can do something else w/ the $20K I had earmarked for I bonds in January...
by feh
Tue Nov 04, 2014 12:54 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9789

Re: Career change: realistic expectations and risks

Can't suggest which road to take, as I can't predict the future and know nothing about military careers.

One thought I did have reading the OP - if you leave the military, I'd skip the Master's degree. You'd be better off getting on the job experience.
by feh
Fri Oct 31, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Career change: realistic expectations and risks
Replies: 27
Views: 2938

Re: How did you buy your largest home?

We paid cash. The mortgage on our first home had been paid off and I could not go back to the world of monthly payments.
by feh
Fri Oct 24, 2014 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you buy your largest home?
Replies: 25
Views: 2769

Re: 2nd Opinions on Bond Alternatives?

galeno wrote:Fire the FAs.


+1
by feh
Fri Oct 24, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: 2nd Opinions on Bond Alternatives?
Replies: 35
Views: 2328

Re: Have Ibonds do we need Tips

hoops777 wrote:Thanks for the replies.When all is said and done at 70 I am projecting between 15 and 20 pct of my total portfolio in Ibonds and I will be 20 to 25 pct equities.


The recommendations I've read indicate that should be enough inflation protection without TIPS.
by feh
Tue Oct 21, 2014 9:00 pm
 
Forum: Investing - Theory, News & General
Topic: Have Ibonds do we need Tips
Replies: 5
Views: 1056

Re: What tax software do you use and why

Used to bounce around from product to product. Been using Taxact for the last 5 or 6 years now.
by feh
Tue Oct 21, 2014 12:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 54
Views: 2806

Re: Have Ibonds do we need Tips

What portion of your portfolio is I Bonds? What portion of your fixed income assets is I Bonds?
by feh
Tue Oct 21, 2014 11:41 am
 
Forum: Investing - Theory, News & General
Topic: Have Ibonds do we need Tips
Replies: 5
Views: 1056

Re: Feeling very fortunate today!

Mountain Man wrote:Weird thread.


Sure is.

I'm trying to figure out how a near-correction translates into working another year. If the OP were truly prepared mentally and financially, it shouldn't.
by feh
Fri Oct 17, 2014 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 73
Views: 11847

Re: Dry Powder

I exchanged bonds for equities yesterday. No need to have cash to buy on dips.
by feh
Thu Oct 16, 2014 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: Dry Powder
Replies: 49
Views: 3604

Re: Treasury Bonds falling through the floor

Munir wrote:Good day to sell bond funds and buy equity funds- also called rebalancing (or is it market timing) ? :happy


I'm considering doing just that. I have not hit my rebalancing band, but may still pull the trigger anyway.
by feh
Wed Oct 15, 2014 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: Treasury Bonds falling through the floor
Replies: 13
Views: 1433

Re: Relatively new here. What did you do in 2008/09

I didn't do anything in 2008/09. Would've rebalanced, but was 100% equities.
by feh
Tue Oct 14, 2014 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 10377

Re: Exchange FSIVX to FSGDX - OK for TLH?

Funny you should post this, as in the next hour or so I'll be replacing all of my FSIVX w/ FSGDX. I TLH'd out of FSGDX and into FSIVX 18 months ago. I'm less than happy with FSIVX because it doesn't contain any emerging markets. Due to the drop in ex-US equities the last 2-3 months, my cap gains are...
by feh
Fri Oct 10, 2014 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Exchange FSIVX to FSGDX - OK for TLH?
Replies: 3
Views: 252

Re: Why are my funds negative if stock market setting new hi

The only reason why I have been looking at the recent performance figures is I recently switched to the Boglehead way of investing and know that I won't get rich off it or poor (hopefully not) but rather a decent return . This is incorrect; what you will receive is market returns. They may be negat...
by feh
Thu Oct 09, 2014 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: Why are my funds negative if stock market setting new highs?
Replies: 21
Views: 3479

Re: How much is your fixed income investment earning?

Don't want to take the time to calculate it, but somewhere around 2.5%. Vast majority of our FI is total bond.
by feh
Wed Oct 08, 2014 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: How much is your fixed income investment earning?
Replies: 31
Views: 2930

Re: Penfed CDs up rates

ChosenGSR wrote:Holding fingers crossed for those 3% CDs later this year.


Yup. With CDs a little over 2%, I choose bonds instead.

I would be willing to go with the Navy Federal offer, but I'm not eligible.
by feh
Fri Oct 03, 2014 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: Penfed CDs up rates
Replies: 11
Views: 3145
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