Search found 687 matches

Return to advanced search

Re: Stocks are on sale, should I buy?

Were back up today. After some weekend reading I have determined that I can speculate about the market going up or down citing all kinds of things but in reality... Well I don't know all that much (not to be self deprecating). Sticking to the plan.. Max out tax sheltered accounts, use Vanguard (or ...
by feh
Mon Apr 20, 2015 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stocks are on sale, should I buy?
Replies: 54
Views: 5720

Re: What Guaranteed Return Would You Require to Move All Ass

denovo wrote:3-4 percent real.


+1

I'd be ok w/ 3% real, since we are on the verge of retirement, and knowing what our annual expenses are.
by feh
Mon Apr 20, 2015 11:46 am
 
Forum: Investing - Theory, News & General
Topic: What Guaranteed Return Would You Require to Move All Assets
Replies: 50
Views: 2484

Re: I and EE Bonds - What will the new rate be?

Won't be buying I Bonds this year until November. Money is earning 1% at Ally until then.
by feh
Fri Apr 17, 2015 12:29 pm
 
Forum: Investing - Theory, News & General
Topic: I and EE Bonds - What will the new rate be?
Replies: 18
Views: 2166

Re: [retired guy said] terrible crash is coming

Thanks. I will stay the course. But, I am learning so it is tough when I keep hearing all this noise. I will stay on course. Riptide There are different kinds of noise...stock tips from friends & family or coworkers...noise from investing web sites...noise from cable television. And then there ...
by feh
Thu Apr 16, 2015 11:11 am
 
Forum: Investing - Theory, News & General
Topic: [retired guy said] terrible crash is coming
Replies: 71
Views: 8250

advantages of being member AND employee of LLC?

Hi folks.

I am a member of the LLC that I currently work for. I'm planning on retiring in about a year.

Would no longer being employed by the LLC exclude me from any potential monies/opportunities in the future? Or is my membership in the LLC the only relevant relationship?

Thanks.
by feh
Tue Apr 14, 2015 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: advantages of being member AND employee of LLC?
Replies: 0
Views: 145

Re: Inexpensive Smartphone

Thanks for all the good info on this thread. I am in the market for a cheap smart phone to use with Ting. My quandary has been finding one with a decent camera (young kids to document!). What do you Moto g/e users have to say about the camera? Ant other suggestions on this front? I use the camera o...
by feh
Tue Apr 14, 2015 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Inexpensive Smartphone
Replies: 46
Views: 3936

Re: Inexpensive Smartphone

Bought a Moto G about 6 months ago for $80. Use it on Ting's (Sprint) network.

Very happy with it. I refuse to spend hundreds on a smart phone.
by feh
Mon Apr 13, 2015 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inexpensive Smartphone
Replies: 46
Views: 3936

Re: SC international: Swap GWX for VSS?

We hold SCZ and VSS for ex-US small cap. The SCZ was purchased as a TLH of VSS.
by feh
Mon Apr 13, 2015 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: SC international: Swap GWX for VSS?
Replies: 5
Views: 739

Re: Portfolio changes to retire in 4 years...

Somewhat similar situation here...retiring next year and will have about 9 years before being able to access tax-advantaged accounts. Our assets are about 50% taxable, 50% tax advantaged. Our solution to this quandry is to have 3 years of expenses in short-term investments (short term bonds, CDs, I ...
by feh
Fri Apr 10, 2015 12:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio changes to retire in 4 years...
Replies: 26
Views: 2558

Re: Am I part of the problem??

We're all hypocrites, to some extent. Since I own the total market, I'm profiting from companies that do some pretty heinous things.
by feh
Fri Apr 10, 2015 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I part of the problem??
Replies: 73
Views: 8635

Re: Should I renege [on a] job offer?

David Jay wrote:In the old days we used to say "your word is your bond", but that is no longer the conventional wisdom.


It still is in some circles. I would have no objection to blacklisting in such a situation.
by feh
Fri Apr 10, 2015 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I renege [on a] job offer?
Replies: 45
Views: 3227

Re: Hypothetical End Game Scenario w/ 5M retirement account

Holy smokes. Talk about first world problems... :shock:
by feh
Fri Apr 10, 2015 11:43 am
 
Forum: Investing - Theory, News & General
Topic: Hypothetical End Game Scenario w/ 5M retirement account
Replies: 74
Views: 7223

Re: Emergency funds vs taxable

We have significant taxable savings (plan to ER next year), but we still have an "emergency" fund, which holds (on average) about 6 months of expenses. However, that account is really an emergency/large expenses fund. New furnace, new car, I Bond purchases, vacations, etc. come out of there.
by feh
Thu Apr 09, 2015 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Emergency funds vs taxable
Replies: 8
Views: 989

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

I've been in IT all my life; about 15 years ago I was looking to switch jobs and get out of the dreary Midwest winters. I've always liked SF and investigated what the cost of living would be...long story short, we're still in the Midwest.

And I don't think it's gotten cheaper out there since 2000.
by feh
Wed Apr 08, 2015 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 10939

Re: News article: Vanguard Bets Big on Financial Advice

EmergDoc wrote:I don't have much more than $150K directly with Vanguard and I'm a millionaire. 401(k)s, home equity, assets Vanguard doesn't offer etc.


+1

I'm a V customer, but only about 5% of our investments are in V accounts.
by feh
Thu Apr 02, 2015 1:27 pm
 
Forum: Investing - Theory, News & General
Topic: News article: Vanguard Bets Big on Financial Advice
Replies: 24
Views: 3109

Re: If long-term, why not just go really high risk?

I was 100% equities until 7 years before retirement. Once you get close to using that money for living expenses, the risk becomes pretty unattractive.
by feh
Thu Apr 02, 2015 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: If long-term, why not just go really high risk?
Replies: 49
Views: 4933

Re: Better to be at home with older or younger kids?

OP here. A recent study from the "Journal of Marriage and Family" suggests that the quantity of time spent with adolescents is more important for well-being than equivalent time spent during childhood (3-11yrs). I happened to see a story on that article yesterday. I thought the age range ...
by feh
Tue Mar 31, 2015 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Better to be at home with older or younger kids?
Replies: 54
Views: 3966

Re: Better to be at home with older or younger kids?

As it turns out, we'll have had a parent home w/ our son pre-school and for a couple years pre-college. Didn't plan the second part, but I'll be retiring, so I'll be home. Not very likely he'll want to hang out with me, but the option will exist. We felt it important for one of us (the mother, in ou...
by feh
Tue Mar 31, 2015 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Better to be at home with older or younger kids?
Replies: 54
Views: 3966

Re: IBonds - now or later in the year?

Thanks all, I buy IBonds for my portfolio as part of the fixed portion of the AA and I plan to keep them for at least 5 years. I don't use them for my emergency fund. If I wait till November, I would put the $10K into a savings account at 1% in the meantime. ETA: an alternative to iBonds would be a...
by feh
Mon Mar 30, 2015 11:54 am
 
Forum: Investing - Theory, News & General
Topic: I Bonds - now or later in the year?
Replies: 39
Views: 3647

Re: Which house would a Boglehead choose?

I'm not gonna make a recommendation, but will make a couple comments:

- don't judge a school on its standardized test scores
- don't buy just because of an elementary school, when both choices will use the same MS/HS
by feh
Fri Mar 27, 2015 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which house would a Boglehead choose?
Replies: 24
Views: 1716

Re: "TIPS. Love them or leave them?"

It is not paltry if you have 20-30 years to build your position. But for those of us closer to retirement, it would be difficult to shift a healthy portion of our "fixed-income" into IBonds. +1 I've been investing for 20+ years, but only learned of I Bonds a couple years ago. I'll be buyi...
by feh
Fri Mar 27, 2015 11:43 am
 
Forum: Investing - Theory, News & General
Topic: "TIPS. Love them or leave them?"
Replies: 16
Views: 2002

Re: Why 529 plan makes any sense??

KlangFool wrote:A) I am rich and I can early retire. Hence, I can pay the college tuition as it goes. I do not need to save for education separately.


Why wouldn't you want a portion of that cost to come from tax-free earnings?
by feh
Wed Mar 25, 2015 1:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 8764

Re: Why 529 plan makes any sense??

DW and I always maxed out 401K and IRA contributions. Contributed to 529 for college.

The value of that account has appreciated 50%, all tax free. That's a pretty sweet deal, IMO.
by feh
Wed Mar 25, 2015 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 8764

Re: master bath remodel: return on investment?

Watty wrote:One thing I have not seen mentioned is the remodeling cost relative to the price of the house. Putting $35K into a million dollar house is a lot different than putting that much into a $350K house.


It would be about 10% of the house value.
by feh
Thu Mar 19, 2015 7:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: master bath remodel: return on investment?
Replies: 42
Views: 2872

Re: master bath remodel: return on investment?

OP here; to answer a couple questions: - no, I don't think the current bathroom would hinder a sale - the room is oddly shaped; if you converted the square footage to a rectangle, it's about 12x15 - we are near a mid-sized city in the midwest; not HCOL, but not LCOL either - the estimate does come f...
by feh
Thu Mar 19, 2015 7:33 am
 
Forum: Personal Finance (Not Investing)
Topic: master bath remodel: return on investment?
Replies: 42
Views: 2872

Re: master bath remodel: return on investment?

For those wondering about the $35K price tag, this would be a major remodel. Some specifics: - it is a large room, and due to unusual choices made during original construction, the proposal is essentially a "gut & replace" - the vanity would need to be relocated - the shower would need...
by feh
Wed Mar 18, 2015 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: master bath remodel: return on investment?
Replies: 42
Views: 2872

Re: master bath remodel: return on investment?

We did update the bathroom. Add the utilization of the bathroom, when you own the bathroom. Reduce this amount from your cost of recovery calculation ! Then maybe you get back 50% when you sell, however that is debatable, since the home price is dependent on many factors, also every new owner will ...
by feh
Wed Mar 18, 2015 8:33 am
 
Forum: Personal Finance (Not Investing)
Topic: master bath remodel: return on investment?
Replies: 42
Views: 2872

master bath remodel: return on investment?

Wife and I are considering major remodel of our master bath. Not being familiar w/ the industry, I was shocked by the cost estimate of $35K. Does anybody have any stats or personal experience regarding how much of that cost would be reflected in the increased value of the house? There's a good chanc...
by feh
Wed Mar 18, 2015 8:16 am
 
Forum: Personal Finance (Not Investing)
Topic: master bath remodel: return on investment?
Replies: 42
Views: 2872

Re: Bond fund or CD Ladder

VG shorter term CDs are not very good. I would buy the 3 and 5 year Cds and put the rest in the short term bond fund. That is true. The highest one-year CD yields 0.6%, whereas Bankrate.com shows 1.2% for the highest nationally available. That's another option to keep some in the bond fund. Thanks....
by feh
Thu Mar 12, 2015 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: Bond fund or CD Ladder
Replies: 16
Views: 2027

Re: Thanks all, another question

Marmot wrote:They are in my wife's maiden name, how do you deal with that? Social Security card?


Call the bank where you would like to cash them.
by feh
Tue Mar 10, 2015 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Old Savings Bonds
Replies: 8
Views: 780

Re: Old Savings Bonds

Marmot wrote:I was cleaning out a file and found some savings bonds from the 80's. How do I cash them in? Thanks all.


Any bank should be able to cash them, assuming you are the owner.
by feh
Tue Mar 10, 2015 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Old Savings Bonds
Replies: 8
Views: 780

Re: First Taxable Account

Do a search - topic has been covered many times.

Personally, I don't reinvest in taxable accounts.
by feh
Mon Mar 09, 2015 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Taxable Account
Replies: 26
Views: 2349

Re: What is your fixed income mix?

54% total bond
13% bank loan fund
13% TIPS
09% short term investment grade
05% short term munis
05% CDs
by feh
Mon Mar 09, 2015 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is your fixed income mix?
Replies: 33
Views: 2474

Re: Bernstein: 2% investment returns over next 20 years

Yah that's a real bummer. I've read his books and I believe him based on the data he presents. I don't know if there's anything to go about it other than be depressed if you're just starting the accumulation phase like some of us. Maybe we'll get lucky it turns out not to be an accurate prediction....
by feh
Mon Mar 09, 2015 11:44 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: 2% investment returns over next 20 years
Replies: 216
Views: 23490

Re: If you have $1 million...

I didn't interpret the poll question literally; I read it more as "do you buy vehicles that cost significantly more than average and/or do you replace vehicles before its necessary". I've never bought a used car in my life (5 new cars), but they've all been reasonably priced and driven 10+...
by feh
Fri Mar 06, 2015 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you have $1 million...
Replies: 65
Views: 6501

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: 410
Views: 21405

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: 46
Views: 3043

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: 410
Views: 21405

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: 527

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: 1584

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: 123
Views: 7566

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: 4376

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: 1461

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: 1461

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: 684

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: 9100

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: 862

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: 862

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: 585

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: 585
Next

Return to advanced search