Search found 753 matches

by feh
Tue Jul 07, 2015 12:36 pm
Forum: Investing - Theory, News & General
Topic: How aggressive are you in Taxable?
Replies: 18
Views: 896

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 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Cash and Greece situation
Replies: 46
Views: 2842

Re: Cash and Greece situation

Phineas J. Whoopee wrote:You asked for thoughts. Those are mine. Other posters' thoughts may well be different.


Your response was much more constructive than my initial reaction, which was to list some Prepper web sites.
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: 69
Views: 6021

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: 3339

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: 131
Views: 9371

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: 84
Views: 7077

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: 6
Views: 579

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: 6
Views: 579

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: 25
Views: 2237

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: 6
Views: 579

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: 71
Views: 6957

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: 218
Views: 22560

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: 7202

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: 218
Views: 22560

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: 17372

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: 78
Views: 10028

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: 11027

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: 5149

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: 2180

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: 2180

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...
by feh
Tue Jun 09, 2015 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Redeemed paper saving bonds: neither fast nor simple.
Replies: 6
Views: 1292

Re: Redeeming paper saving bonds: neither fast nor simple.

A local bank (at which we do not have any accounts) cashed some EE Bonds for us earlier this year, without complaint. Took about 10 minutes, because the teller hadn't done it before.
by feh
Tue Jun 09, 2015 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Total:Tilt ratios for Small/Emerging/TIPS
Replies: 29
Views: 2180

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

We use 2:1 ratio: US eq:ex-US eq and total market:small-value.
by feh
Mon Jun 08, 2015 12:00 pm
Forum: Investing - Theory, News & General
Topic: 1.25% mysavingsdirect.com
Replies: 2
Views: 1231

Re: 1.25% mysavingsdirect.com

One review I found:

https://www.depositaccounts.com/blog/2013/11/emigrants-new-internet-bank-mysavingsdirect.html

Folks will need to compare to more common options like Ally to decide if the bump in interest is worth it.
by feh
Mon Jun 08, 2015 11:39 am
Forum: Investing - Theory, News & General
Topic: TIPS Funds Yielding 6+%
Replies: 30
Views: 2461

Re: TIPS Funds Yielding 6+%

The 30 day SEC yield on my American Century TIPS fund is over 5%.

Just an anomaly.
by feh
Tue Jun 02, 2015 11:55 am
Forum: Investing - Theory, News & General
Topic: Why so little International SV?
Replies: 8
Views: 1001

Re: Why so little International SV?

I'm not going to argue with anyone who sticks to total market or even a more traditional value style tilt. Well, I wish I COULD stick to a more traditional value style tilt, but there seems to be no ETF doing International Small Value based on Book-to-Market ratio, which surprises me. DLS is hardly...
by feh
Mon Jun 01, 2015 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: To REIT or not to REIT
Replies: 27
Views: 3075

Re: To REIT or not to REIT

Or just be rid of it and simplify? Thanks for looking. I used to have a Core Four portfolio (think of it as the Three Fund + REIT). After about a year of gained experience and plenty of reading, I deemed the REIT component unnecessary and now am a Three Funder. Over time, I don't think keeping < 10...
by feh
Thu May 28, 2015 10:08 am
Forum: Investing - Help with Personal Investments
Topic: After you pay off your house...then what?
Replies: 26
Views: 3606

Re: After you pay off your house...then what?

John3754 wrote:
renue74 wrote:I add about $20K to $30K annually to our taxable account...depending on how business is going.


I would add the additional $17k to the $20 to $30k you're already contributing. It's that simple really.


+1
by feh
Wed May 27, 2015 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Net Worth
Replies: 12
Views: 2602

Re: Net Worth

Just a question regarding net worth. Do you count your defined benefit retirement pension as part of your net worth. Ex: If you plan on retiring at 55 and your retirement from State Gov retirement plan is $45K/yr and lets say you plan on living another 35 years :D would you count that as roughly $1...
by feh
Mon May 25, 2015 7:55 am
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 7887

Re: please confirm: early retirement

Retiring on $50K today at any age before 65 and Medicare is much more complicated than in the past. In todays market you need medical insurance that costs around $1K for a single person and $1.5K for a couple from what others here have said. Then you add on say $500 per year per person in actual me...
by feh
Sat May 23, 2015 7:12 am
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 7887

Re: please confirm: early retirement

So either the OP's is looking for a pat on the back or they are asking if their budget makes sense. No, I'm not really looking for either. I'm quite confident in my budget. As I said, I've been tracking it for years, and I've gone over it many times to make sure I'm including infrequent, large expe...
by feh
Sat May 23, 2015 7:05 am
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 7887

Re: please confirm: early retirement

What is your driver for wanting to do this at 49? You are possibly giving up a great deal in the long term for this near term opportunity. I believe I touched on this in an earlier post...yes, I could work longer and (likely) have a very handsome portfolio. But, why? Should I spend the next X years...
by feh
Sat May 23, 2015 6:56 am
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 7887

Re: please confirm: early retirement

TheTimeLord wrote:Did you calculate SS using your best 35 years or did you take it off your annual statement? The annual statement assumes you will keep working at your same income level.


I used the form where you provide annual income, so it should be accurate.
by feh
Fri May 22, 2015 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 7887

Re: please confirm: early retirement

renue74 wrote:Instead of full retirement, you could plan in moving to part time. It gives you the best of both worlds and keeps you "relevant" in technology.


This is an option I have, and will continue, to consider.
by feh
Fri May 22, 2015 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 7887

Re: please confirm: early retirement

You can do it. Any adjustments will come out of the expense side. My thought, mentioned by others above, is that $35 or $40K a year for everything is not very much. Basically about $3k a month for everything? Maybe a little more at $50k a year - $4k a month. Of course i have no idea what your lifes...
by feh
Fri May 22, 2015 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 7887

Re: please confirm: early retirement

However, I have a question regarding your list of assets. You separately list (a) a portfolio of 1.65 million and (b) dividend income of about $20K/year. Depending on how you're using these numbers, this could constitute double-counting of the stock component of your portfolio. Yes, this is true. T...
by feh
Fri May 22, 2015 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 7887

Re: please confirm: early retirement

I retired early and can confirm that few things in life are more fulfilling and exhilarating than waking up every morning and doing what you want to do rather than what you must do. Getting away from the financials, this is the key question in my mind. I could very easily work another 5-10 years, s...
by feh
Fri May 22, 2015 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 7887

Re: please confirm: early retirement

Two things people often forget on the expense line. Income taxes (which may not be an issue here) and capital replacement (roof, cars, furnace ...). I have line items in the budget for the above. Been tracking expenses via mint for 3-4 years, and the Fidelity RIP tool does a good job of making sure...
by feh
Fri May 22, 2015 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 7887

Re: please confirm: early retirement

A couple of comments. Those numbers look feasible. Are there any items you're missing (increased funds for travel, etc)? Travel is included in the expenses. We aren't globetrotters, so even if we had more accumulated, we probably wouldn't spend it on travel. Could you generate a little extra money ...
by feh
Fri May 22, 2015 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 7887

Re: please confirm: early retirement

letsgobobby wrote:Do those expenses include health care?


Yes, I have priced silver plans for the family.
by feh
Fri May 22, 2015 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 7887

please confirm: early retirement

Hi folks. Seriously considering early retirement next Spring (2016). Firecalc and Fidelity RIP, as well as in-person consultation w/ Fidelity advisor, all indicate we should be good to go. I would like feedback from all you wonderful people before I start to actually take steps...below is our situat...
by feh
Fri May 22, 2015 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Follow "Passion" or Follow the Money?
Replies: 73
Views: 4809

Re: Career Advice: Follow "Passion" or Follow the Money?

Didn't read the entire thread...

OP - you are in only the second year of your career, making > $100K, in a field that is your passion?

I say - thank your lucky stars (and keep your current job).
by feh
Thu May 21, 2015 9:44 am
Forum: Investing - Theory, News & General
Topic: How 529 college savers invest.
Replies: 16
Views: 1769

Re: How 529 college savers invest.

We use Utah's system, which is Vanguard based.

We set up a custom allocation; details are too lengthy to include here, but it was similar to the "aggressive" allocation in the linked article in the OP.
by feh
Wed May 20, 2015 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Ways to fund an early retirement?
Replies: 40
Views: 2630

Re: Ways to fund an early retirement?

dbCooperAir wrote:Its place to keep some cash that helps against the bad sequence of return risk that shows up the day after you pull the plug.


We are holding I Bonds just for this purpose. Yes, they are currently earning 0%, but that is an anomaly.
by feh
Wed May 20, 2015 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Ways to fund an early retirement?
Replies: 40
Views: 2630

Re: Ways to fund an early retirement?

it seems like if you DCA into taxable over many years, and then withdraw on a regular basis to fund your early retirement, you're going to have a big headache at tax time. Why do you think this? Because there would be lots of different cost bases and amounts of realized gains? I'd be happy to know ...
by feh
Wed May 20, 2015 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Ways to fund an early retirement?
Replies: 40
Views: 2630

Re: Ways to fund an early retirement?

Casper wrote:it seems like if you DCA into taxable over many years, and then withdraw on a regular basis to fund your early retirement, you're going to have a big headache at tax time.


Why do you think this?
by feh
Wed May 20, 2015 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Ways to fund an early retirement?
Replies: 40
Views: 2630

Re: Ways to fund an early retirement?

That's a good point. It's not taxed twice in a literal sense, but I think of it as being taxed twice mainly in comparison to a 401(k) or similar account. In a taxable account, you are contributing money that was taxed when you first received it, and then the earnings are taxed when they come out, a...
by feh
Thu May 14, 2015 10:34 pm
Forum: Investing - Theory, News & General
Topic: Your Safety Net
Replies: 31
Views: 4074

Re: Your Safety Net

As an early retiree, I will be doing this (3-4 years of living expenses in short-term/cash). Once I reach 59.5, I anticipate no longer needing such a bucket. Reading other responses, I should clarify: 1) my 3-4 years of living expenses will not be actual cash, but CDs, I Bonds and short term bond f...
by feh
Thu May 14, 2015 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Networth question
Replies: 54
Views: 4897

Re: Networth question

alpenglow wrote:Net Worth = Assets - Liabilities


+1

I don't know why folks need to make it more complicated.
by feh
Thu May 14, 2015 12:04 pm
Forum: Investing - Theory, News & General
Topic: Your Safety Net
Replies: 31
Views: 4074

Re: Your Safety Net

As an early retiree, I will be doing this (3-4 years of living expenses in short-term/cash). Once I reach 59.5, I anticipate no longer needing such a bucket.

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