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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: 1438

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 Finance (Not Investing)
Topic: What temperature for house for long winter absence?
Replies: 31
Views: 2787

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: 2039

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: 1334

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: 8876

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: 8876

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: 2819

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: 2688

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: 2239

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: 1035

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: 2638

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: 1035

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: 55
Views: 7274

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: 3545

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: 1417

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: 9926

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: 204

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: 3209

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: 2813

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: 3078

Re: fidelity v.s. vanguard

fatguy wrote:How to find the corresponding funds in fidelity?


http://www.bogleheads.org/wiki/Fidelity
by feh
Wed Oct 01, 2014 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: fidelity v.s. vanguard
Replies: 18
Views: 1785

Re: What SWR/expense multiple to use for early retirement pl

I think it depends on just how early one is retiring.

We are currently at 34x, planning on retiring in 18 months, at age 50 (although DW will continue to work for a couple years). I'm expecting that ratio to be more like 37x or 38x by then; I want to keep our expected WR between 2.5 and 3%.
by feh
Wed Oct 01, 2014 11:37 am
 
Forum: Investing - Theory, News & General
Topic: What SWR/expense multiple to use for early retirement plan?
Replies: 63
Views: 3274

Re: Will you invest in Bill Gross's new bond fund?

Sold PTTRX on Friday. Bought FSITX on Monday.
by feh
Tue Sep 30, 2014 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: Will you invest in Bill Gross's new bond fund?
Replies: 51
Views: 2999

Re: need for a backup credit card?

Thanks for the responses everybody. Looks like I'll be applying for the Fidelity AmEx. :happy
by feh
Tue Sep 30, 2014 7:28 am
 
Forum: Personal Finance (Not Investing)
Topic: need for a backup credit card?
Replies: 37
Views: 1684

need for a backup credit card?

My wife and I have only 1 CC - Priceline Rewards Visa, which provides 2% back.

My question is - is it sensible to have another card, just for backup purposes? Until a couple months ago, we had another Visa card, but it was canceled because we never used it.

Thanks.
by feh
Mon Sep 29, 2014 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: need for a backup credit card?
Replies: 37
Views: 1684

Re: Will Bill Gross beat the Total Bond Market Index?

Haha! Well I guess I got my answer! I'm now likely to move my bond allocation in my 401k to the index fund. Two years ago I was consolidating our portfolio, and had to decide what would comprise the FI portion. I couldn't ignore the performance of PTTRX, so I split our bonds between it and FSITX (F...
by feh
Sat Sep 27, 2014 8:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 6029

Re: Stubbornly Non-Boglehead Husband. What To Do?

However, I don't think the situation is nearly as dire as some posters seem to think! Please forgive us, but losing $500k in a month would leave a lot of us eating cat food. +1000 This is a matter of perspective. It boggles the mind that losing $500K did not result in immediate divorce proceedings,...
by feh
Thu Sep 25, 2014 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: Stubbornly Non-Boglehead Husband. What To Do?
Replies: 122
Views: 8048

Re: Will Bill Gross beat the Total Bond Market Index?

PTTRX has been worth the extra expense in the past. Will it be in the future? Nobody knows...
by feh
Thu Sep 18, 2014 11:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 6029

Re: Where do I put my cash now?

JKPS wrote:I am reluctant to put that 5% in a stock fund only to find that the fund undergoes a "correction" that I anticipate.


Then continue to wait.

Or follow the advice that's been provided.
by feh
Thu Sep 18, 2014 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Where do I put my cash now?
Replies: 23
Views: 2597

Re: Inflation Bonds - Staying the Course?

Planning on retiring in 18 months. Currently have 0 TIPS, but plan on them being 20-25% of our bonds when I pull the plug.
by feh
Wed Sep 17, 2014 3:44 pm
 
Forum: Investing - Theory, News & General
Topic: Inflation Bonds - Staying the Course?
Replies: 43
Views: 3223

Re: Dave Ramsey: The Legacy Journey

I consider him a huckster. Stories like the OP's only strengthen that opinion.

All the methods/info people need to get out of debt is available for free. This web site is a fine example.
by feh
Tue Sep 16, 2014 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey: The Legacy Journey
Replies: 41
Views: 5707

Re: How much you need to save as multiple of salary

hillman wrote:I'm still new around here, but I believe the more important factor (from what I've read on this site) is the number of years of expenses you've saved.


+1000000

These articles that discuss multiples of income drive me nuts.
by feh
Tue Sep 16, 2014 11:33 am
 
Forum: Investing - Theory, News & General
Topic: How much you need to save as multiple of salary
Replies: 51
Views: 6428

Re: Should anyone invest in short-term bonds at this point?

I've done a lot of reading on bonds the past few months -- and I think I get the general idea that when yields go up, even though my index fund holding goes down in price, some of the bonds will come due, so the new bonds will have a higher yield, which helps my fund recoup the losses from the nav ...
by feh
Wed Sep 10, 2014 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: Should anyone invest in short-term bonds at this point?
Replies: 46
Views: 3940

Re: Should anyone invest in short-term bonds at this point?

abyan wrote:Should they hold any short-term bonds at all, or rather just invest in CDs, ibonds, and online saving accounts (or intermediate bonds)?


I do all of the above, since there isn't a clear winner at the moment, IMO.

Just bought some VFSTX this morning.
by feh
Wed Sep 10, 2014 12:08 pm
 
Forum: Investing - Theory, News & General
Topic: Should anyone invest in short-term bonds at this point?
Replies: 46
Views: 3940

Re: Poll: Cash Holdings

Angst wrote:I'm not including any of what I call fixed income, so no I or EE bonds included, nor CDs.


+1

I consider short-term bonds, I Bonds and CDs as fixed income, not cash.
by feh
Tue Sep 09, 2014 12:28 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Cash Holdings
Replies: 65
Views: 3729

Re: Poll: Cash Holdings

I answered 0%, but I did not include our emergency fund. If that is included, I'm in the 1-4% category.
by feh
Tue Sep 09, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Cash Holdings
Replies: 65
Views: 3729

Re: cell phone for kids

Didn't get our son a cell phone 'til he was 14. No internet - just texting and phone calls.
by feh
Fri Sep 05, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: cell phone for kids
Replies: 25
Views: 1313

Re: When to invest in China?

OP - not suggesting you do this, but if you do actually want to speculate on China, take a look at MCHFX.

I owned it from mid 2009 to late 2010, before I was a boglehead. I got very lucky. :twisted:
by feh
Thu Sep 04, 2014 12:28 pm
 
Forum: Investing - Theory, News & General
Topic: When to invest in China?
Replies: 51
Views: 3115

Re: 100% Stock Thread Collection

grap0013 wrote:
I'm gonna keep going 100% for 6 or 7 more years just to prove it can be done even with high account balances.


That strikes me as a very odd reason to be 100% equities.
by feh
Tue Sep 02, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: 100% Stock Thread Collection
Replies: 93
Views: 5730

Re: short term investment as of today...

After 17 votes, the CD is leading the way...

I already have a penfed account; are they still the place to go for CDs? Anybody know if they'll bump up rates at the end of the year, as they did last year?

Thanks.
by feh
Sun Aug 31, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: short term investment as of today...
Replies: 8
Views: 593

short term investment as of today...

Let's say you had some cash that you'll need in 4-5 years. As of today, which option is the most attractive?

Assume I Bonds are not an option, because the purchase limit has been reached for the year. Marginal tax rate in 28-33% range.
by feh
Sun Aug 31, 2014 7:56 am
 
Forum: Investing - Help with Personal Investments
Topic: short term investment as of today...
Replies: 8
Views: 593

Re: What are you up YTD?

70/30

6.25%
by feh
Wed Aug 27, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 213
Views: 18597

Re: AA of 60/40 for your Lifetime?

I was at 100% equities until retirement-7 years. I should have started becoming more conservative sooner, but I can't criticize 100% equities for somebody under 35 (assuming they don't panic sell). Anyway, currently at 70/30 at T-2 years, working my way down to 60/40, and I anticipate staying there ...
by feh
Wed Aug 27, 2014 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA of 60/40 for your Lifetime?
Replies: 27
Views: 2380

Re: International allocation

33% of equities.
by feh
Mon Aug 25, 2014 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: International allocation
Replies: 81
Views: 5286

Re: How does the impending rate increase affect...

After the 'taper tantrum' of 2012 US government bond yields rose by quite a lot from c. 1.6% on US 10 year treasury to 2.6% (I believe). This was with the Fed holding interest rates where they have been for the last 5 years. So in some sense future interest rate moves are already in the price. Just...
by feh
Fri Aug 22, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: How does the impending rate increase affect...
Replies: 5
Views: 616

Re: Implied future real interest rates

richard wrote:Many expected rates, especially long rates, to increase as QE slowed, but this hasn't happened.


Some would say it did happen, in one fell swoop, in the summer of 2013.
by feh
Wed Aug 20, 2014 12:05 pm
 
Forum: Investing - Theory, News & General
Topic: Implied future real interest rates
Replies: 7
Views: 921

Re: Understanding implications of Shiller CAPE on retirement

Cody wrote:
Sometime back I also read Otars "Unravelling the Myth of Retirement" where he states something like - the best time to retire is when the PE ratio is at about 12 or less. Currently it is at 25.54.


The values of 2 different metrics are being compared here.
by feh
Wed Aug 20, 2014 11:57 am
 
Forum: Investing - Theory, News & General
Topic: Understanding implications of Shiller CAPE on retirement
Replies: 27
Views: 2553

Re: How much do you plan to save in your 529 plan?

Spouse and I decided to provide 3-4 years of the total cost at a very good in-state public school. If he goes somewhere less expensive, that amount could easily pay for 5 years. If he goes somewhere pricey, he'll need to come up with the difference. Our rationale is that we want to help him, but don...
by feh
Mon Aug 18, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you plan to save in your 529 plan?
Replies: 60
Views: 7149

Re: Spouse not ready to cut ties with financial advisers

Haven't read the entire thread; too long. Sorry if this has already been suggested:

Could you get your husband to read one of the recommended books on the wiki? The basics of investing are not difficult.

Needlessly handing $30+K over to people every year is a sad state of affairs...
by feh
Mon Aug 18, 2014 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 112
Views: 9427

Re: [Poll] How I Feel When I Think about Investing, etc.

I wouldn't say it relaxes me, but I enjoy managing our portfolio and find the world of economics/investing interesting.
by feh
Wed Aug 13, 2014 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2467
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