Search found 200 matches

Return to advanced search

Re: How did you handle the 2008 bear market ?

2008 was close to the beginning of my investing career. When things got really ugly in September 2008, I had about $10,000 invested. The bear market was the best thing that could have happened for me (obviously not so much for many other people) - not only could I buy shares at a lower level, but it...
by skylar
Thu Nov 27, 2014 10:28 am
 
Forum: Investing - Theory, News & General
Topic: How did you handle the 2008 bear market ?
Replies: 67
Views: 3291

Re: Anyone cancelling travel plans?

Influenza still kills far more people than Ebola. If you don't avoid traveling during flu season, you should be OK traveling now. The media are just hyping this to sell more ads.
by skylar
Sat Oct 18, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6432

Re: Fidelity Investments Hacked

Let's say someone hacks my account. What can they now do? Wouldn't it be impossible to empty out my account unless they transferred it all to my linked bank account or sent a check to my house? I suppose they could liquidate my investments and change my AA to 100% penny stocks, but that doesn't see...
by skylar
Mon Oct 13, 2014 6:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Investments Hacked
Replies: 21
Views: 2604

Re: SERVER GOING OFFLINE FOR MAINTENANCE TONIGHT - 7:45 PM E

Thanks so much for the work. It's easy to forget the behind-the-scenes effort to make all this happen.
by skylar
Sun Oct 12, 2014 8:30 pm
 
Forum: Forum Issues and Administration
Topic: SERVER GOING OFFLINE FOR MAINTENANCE TONIGHT - 7:45 PM ET
Replies: 8
Views: 1048

Re: Wow at high ER w/Fidelity Freedom funds compared to Vang

Not only is the ER ridiculous when compared with Vanguard's Target Retirement funds, and not only is almost every constituent fund actively managed (there's two index funds, for about 3.5% of total assets), but the sheer number of holdings makes it basically impossible to know how the fund is suppos...
by skylar
Sat Oct 11, 2014 11:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wow at high ER w/Fidelity Freedom funds compared to Vanguard
Replies: 8
Views: 1204

Re: How much of your Emergency Fund would you lock up in CDs

I keep trying to come up with ways to make more money on the emergency fund. There really isn't any. If it's locked up in a CD it's not easy to get to rapidly if needed. Considered starting to keep some of our emergency fund in I-Bonds because our current money market rate stinks. Discussed it with...
by skylar
Sat Oct 11, 2014 11:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much of your Emergency Fund would you lock up in CDs?
Replies: 37
Views: 2914

Re: How much of your Emergency Fund would you lock up in CDs

I definitely wouldn't lock up all of it, but some of it is fine. As others have mentioned, it's good to have a few buckets to draw from. For us, it breaks down like this: ⋅  1-4 months of cash in checking, savings, and money market accounts ⋅  6+ months in EE- and I-series saving...
by skylar
Sat Oct 11, 2014 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much of your Emergency Fund would you lock up in CDs?
Replies: 37
Views: 2914

Re: Small Moneysavers Which Add Up

we borrow DVDs from the library I would rather pay the $5.34 for the two DVD rentals from Netflix. I'd probably spend about gallon of gas to get to/from the library. And lthe library DVD rental period is only 1 week. For us, we're within walking distance of two library branches, and the library let...
by skylar
Thu Oct 09, 2014 6:47 pm
 
Forum: Personal Consumer Issues
Topic: Small Moneysavers Which Add Up
Replies: 74
Views: 7429

Re: Small Moneysavers Which Add Up

2. Share an Internet connection with a neighbor. With modern wifi technology, this is easy to do. It does mean we have a small dead spot, which I filled in with an old Linksys access point, and about 30 minutes of work with DD-WRT's repeater bridge setup. 3. No smart phones - still can't figure out...
by skylar
Thu Oct 09, 2014 6:46 pm
 
Forum: Personal Consumer Issues
Topic: Small Moneysavers Which Add Up
Replies: 74
Views: 7429

Re: Small Moneysavers Which Add Up

1. No cable TV, Netflix, Amazon Prime, etc. - we borrow DVDs from the library, or watch things online. If we can't do either, it's not worth watching. 2. Share an Internet connection with a neighbor. With modern wifi technology, this is easy to do. It does mean we have a small dead spot, which I fil...
by skylar
Thu Oct 09, 2014 7:22 am
 
Forum: Personal Consumer Issues
Topic: Small Moneysavers Which Add Up
Replies: 74
Views: 7429

Re: Annual savings to taxes ratio?

jeffyscott wrote:Might have been good to have some categories for savings at higher multiples of taxes than 2x?

Our savings was nearly 6x taxes.


Agreed, we're at about 17x...
by skylar
Tue Oct 07, 2014 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Annual savings to taxes ratio?
Replies: 25
Views: 2692

Re: Meetings over the lunch hour, taboo?

I am 0% in favor of lunch meetings. I do not schedule meetings that overlap any portion of 11-1. I only attend meetings in this time frame if it allows sufficient time for me too eat. My company will not spring for food at lunch time meeting... so my love of eating and disdain of meetings makes it ...
by skylar
Fri Sep 19, 2014 7:25 am
 
Forum: Personal Consumer Issues
Topic: Meetings over the lunch hour, taboo?
Replies: 46
Views: 4032

Re: Meetings over the lunch hour, taboo?

I have 12P-1P blocked out every day on my calendar for "Lunch". People are free to schedule meetings over the top of it, and I consider myself free not to go. If it's important enough, I will go, but will politely excuse myself once I can't contribute anything more.
by skylar
Wed Sep 17, 2014 10:31 pm
 
Forum: Personal Consumer Issues
Topic: Meetings over the lunch hour, taboo?
Replies: 46
Views: 4032

Re: Any success stories of ppl who never made >$50,000?

In my mind, Bogleheads isn't about numbers, it's about philosophy. The number of zeroes behind the first number really doesn't matter - it's your approach to investing that's important. I don't have my copy handy, but in Jack's book "The Little Book of Common Sense Investing" he relates t...
by skylar
Tue Sep 16, 2014 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10324

Re: POLL: Has a financial firm made a mistake with your mone

Just last week I was at the credit union getting $60 cash and a couple $10 rolls of quarters ($80 total). The receipt had an $80 debit listed, but my post-transaction balance dropped $100. Fortunately I noticed before signing and got the teller to redo the transaction. No big deal. Reading the stori...
by skylar
Sat Sep 06, 2014 10:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Has a financial firm made a mistake with your money?
Replies: 52
Views: 2822

Re: ACH transfers

NPR's Planet Money had a great show last year about the history and mechanics of ACH:

http://www.npr.org/blogs/money/2013/10/ ... ur-economy

I'd recommend it if you want to know how ACH works in the US, and how other countries do it (often better).
by skylar
Sat Aug 30, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: ACH transfers
Replies: 14
Views: 1069

Re: Do you tip on the tax?

I eat out so rarely, I don't mind leaving a bit extra when I do. I general, the wait staff work hard and deserve it.
by skylar
Fri Aug 22, 2014 6:27 pm
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 5462

Re: Do you take all of your allowed paid vacation time?

I get 5 weeks paid vacation (on top of 10 holidays, and 12 days of sick leave), while my wife gets none. I take what I can, but it guarantees I have a couple few weeks every year to roll over. Fortunately there is no upper limit (I think I'm close to 3 months now), but I only get cashed out for 6 we...
by skylar
Fri Aug 22, 2014 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 6222

Re: POLL: Uninsured/Underinsured Motorists Coverage?

I have no car, so no auto insurance. AFIAK, UIM coverage is only available as a rider on an auto insurance policy, much as I would like it as a cyclist.
by skylar
Mon Aug 18, 2014 7:25 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Uninsured/Underinsured Motorists Coverage?
Replies: 17
Views: 1083

Re: What actions to take in a stock market crash?

1. Rebalance

2. Up your contribution rate as high as you can

If you have little invested, a stock market crash is a blessing to be taken advantage of. I'm glad I did.
by skylar
Fri Aug 08, 2014 7:20 am
 
Forum: Investing - Theory, News & General
Topic: What actions to take in a stock market crash?
Replies: 85
Views: 5819

Re: Contribute to 457?

I am not sure but I believe it is based on gross compensation. If I contribute to the 457, I am decreasing my gross compensation. By decreasing my gross compensation I would probable see a small decrease in my employer's 403b match. I contribute to both a 457b and a 403b, and the 403b match is calc...
by skylar
Wed Aug 06, 2014 7:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Contribute to 457?
Replies: 41
Views: 4048

Re: average American eats out 203 times per year

Way under - I'm at 27 this year, and that includes traveling too.

I pack a lunch almost everyday for work, and tend to eat in on the weekends as well. I'd rather spend time at home and read than spend time at a restaraunt.
by skylar
Tue Aug 05, 2014 6:48 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6897

Re: Drought Management

FrugalInvestor wrote:Turned shower water on prior to soaping up and for rinsing, but turned off otherwise.


You can also put a bucket under the faucet while you wait for the shower to warm up.
by skylar
Sun Aug 03, 2014 9:21 am
 
Forum: Personal Consumer Issues
Topic: Drought Management
Replies: 60
Views: 3245

Re: Vanguard sued for charging too little

So I'm not a tax expert, but if Vanguard charged its owning mutual funds too little to pay taxes, wouldn't that just mean the funds retain more earnings, and the funds' shareholders would be liable for more taxes (if held in a taxable account)? Doesn't seem like a problem to me.
by skylar
Sun Jul 27, 2014 8:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 197
Views: 26870

Re: updating phpBB to 3.0.12

Thanks, Larry! No worries about the outage - it was a fine excuse to get outside.
by skylar
Sat Jul 12, 2014 11:57 am
 
Forum: Forum Issues and Administration
Topic: updating phpBB to 3.0.12
Replies: 11
Views: 1755

Re: Vanguard - How America Saves 2014

Thanks, that's a really interesting report. A few of the notable items I saw: * Use of target-date funds weighted by assets increased from 9% in 2009 to 19% in 2013. * Extreme allocations (100% bonds or 100% stock) declined from 25% in 2009 to 14% in 2013. * Participants with an "index core&quo...
by skylar
Tue Jun 17, 2014 8:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard - How America Saves 2014
Replies: 16
Views: 3381

Re: POLL: Do/did you get a match? How much?

It's dependent on age where I work. 5% for those up to age 35, 7.5% up to age 50, and 10% over age 50.
by skylar
Mon Jun 09, 2014 6:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do/did you get a match? How much?
Replies: 67
Views: 4271

Re: Investing HSA Contributions

I keep a few thousand dollars in cash in my HSA, and invest the rest in Vanguard's Total Bond Market ETF (BND). I understand the tax benefits of taking more risk than that, but it just makes me leery.
by skylar
Tue May 27, 2014 10:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing HSA Contributions
Replies: 6
Views: 564

Re: How do you dress for work travel?

I wear the same clothes I wear to work - t-shirt and jeans, plus a sweatshirt in case I get cold. It's the joy of working for a university. :)
by skylar
Tue May 27, 2014 10:51 pm
 
Forum: Personal Consumer Issues
Topic: How do you dress for work travel?
Replies: 21
Views: 1920

Re: Worst "Large purchase" ever?

I checked back in my accounts, and the only purchases over $10k I have ever made have been index funds at Vanguard. I have yet to regret them. :)
by skylar
Sun May 25, 2014 9:42 pm
 
Forum: Personal Consumer Issues
Topic: Worst "Large purchase" ever?
Replies: 110
Views: 12232

Re: Monthly Budget Comparison

Well, if you're not eating meat then that explains a good part of it. Whatever else people may think of it, vegetarianism (or something close to it) tends to be much cheaper. You're not joking about it being low cost, those are really cheap eggs. Absolutely. Another advantage of vegetarianism is th...
by skylar
Thu May 22, 2014 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Monthly Budget Comparison
Replies: 86
Views: 4954

Re: Monthly Budget Comparison

Here's ours for the Seattle area: TRANSPORTATION - $117 total Bike $12 (amortized monthly maintenance) Public transit $75 Gas - $30 (for when we're bumming rides) CHARITY - $216 GROCERIES - $398 RENT & UTILITIES - $1073 total Rent - $900 Electric - $45 Internet - $35 Phone - $66 Newspaper - $27 ...
by skylar
Thu May 22, 2014 7:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Monthly Budget Comparison
Replies: 86
Views: 4954

Re: Who are the "good" 403b providers.

My 403b is with Fidelity, although strangely none of the funds are from Fidelity. We have access to all of the Vanguard Target Retirement funds, along with a raft of Vanguard institutional funds, some DFA funds, and some questionable high-ER managed funds. The fees come out to $60/year regardless of...
by skylar
Wed May 21, 2014 7:43 pm
 
Forum: Investing - Theory, News & General
Topic: Who are the "good" 403b providers.
Replies: 12
Views: 675

Re: Seattle and Portland, OR restaurant recommendations

Marrakesh in Seattle serves great Morrocan food, in a very authentic setting (the restaraunt is setup like a tent in the desert). I'd highly recommend the Royal Feast if you can get a group of four or more. If not, the 5 course meal is basically the same but I think costs a little bit more. It's in ...
by skylar
Tue Apr 29, 2014 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Seattle and Portland, OR restaurant recommendations
Replies: 31
Views: 1399

Re: Vanguard S&P 500 vs Total Stock

I used to use Total Stock Market back when my 403b offered it. Now, though, neither my 403b nor my 457 plan offers a Total Stock Market fund, so I have to approximate it with S&P 500 + mid cap + small cap. I hold some of these in my IRA accounts as well, and keeping the same fund types everywher...
by skylar
Sun Apr 13, 2014 2:45 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard S&P 500 vs Total Stock
Replies: 17
Views: 3135

Re: Savers remorse ?

What about saver's remorse for your kids? We're in a position to indulge our kids but don't (relatively speaking). They have everything they need, and plenty of activities and toys, but nothing fancy - they don't take horseriding lessons, we don't go to Disneyland every year, they won't be getting ...
by skylar
Sat Mar 22, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers remorse ?
Replies: 91
Views: 12447

Re: Vanguard bond funds and leverage

It really depends on what the prospectus says the fund's strategy is going to be. At least for the Total Bond Market Index Fund, the closest mention it has to leverage is a possibility of derivative investments, although the current portfolio report doesn't show anything of the sort. I can't speak f...
by skylar
Wed Mar 12, 2014 7:05 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard bond funds and leverage
Replies: 6
Views: 596

Re: your lowest exspense ratio fund in 401

Have a 403b, whose lowest-expense fund is the Vanguard Institutional Index at 0.05%. That doesn't include recordkeeping fees, which are $60/year, which add ~0.05%, although that will go down as my account grows.
by skylar
Sun Mar 09, 2014 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: your lowest exspense ratio fund in 401
Replies: 31
Views: 1649

Re: 401 match (poll)

My 403b is age dependent. Under 35 is 100% up to 5%, 35-50 is 7.5%, and over 50 is 10%.
by skylar
Thu Mar 06, 2014 10:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401 match (poll)
Replies: 33
Views: 1969

Re: SCSI

I still have an external SCSI hard drive laying around here, but I just realized that last year I donated my last machine that had a built-in SCSI interface. If I wanted to use that external hard drive as-is, I would have to get an adapter-card. Probably simpler to actually get a new enclosure for ...
by skylar
Wed Feb 05, 2014 8:21 pm
 
Forum: Investing - Theory, News & General
Topic: SCSI
Replies: 16
Views: 1797

Re: SCSI

The Wizard wrote:Super-speed USB 3.0 has pretty well put a nail in SCSI's coffin...


USB 3.0 still supports SCSI for its mass storage interface. ;)
by skylar
Tue Feb 04, 2014 7:24 pm
 
Forum: Investing - Theory, News & General
Topic: SCSI
Replies: 16
Views: 1797

Re: Who Invests 100% in Passive Index Funds/ETFs

I use entirely passive investments. It's a combination of Vanguard, DFA, a private-label S&P 500 fund in my 457 plan, and a private-label total bond index fund in my wife's 401k. I do have some I and EE bonds, but I suppose those are about as passive as you can get.
by skylar
Thu Jan 16, 2014 7:36 pm
 
Forum: Investing - Theory, News & General
Topic: Who Invests 100% in Passive Index Funds/ETFs
Replies: 79
Views: 6006

Re: Are these Vangaurd 457 options decent?

galeno wrote:Is there a 20% of gross annual income limit on how much one can contribute to a 457 plan?


No, it's the same limit as a 401k/403b ($17,5000 this year) but under a separate cap, so you can contribute $17,500 to both a 401k/403b and a 457 simultaneously.
by skylar
Wed Jan 15, 2014 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are these Vanguard 457 options decent?
Replies: 8
Views: 483

Re: How do you "Stay the Course"?

A couple ways:

  1. I have an IPS.
  2. I stay busy doing other things, so it can be weeks/months before I look at investments.

There's really no need to look at investments more often than you have to rebalance them.
by skylar
Wed Jan 15, 2014 8:16 am
 
Forum: Investing - Theory, News & General
Topic: How do you "Stay the Course"?
Replies: 52
Views: 3709

Re: Vanguard Frequent Trading Policy

Seems to have gone away. I was able to buy shares of several funds that I know used to have a frequent trading restriction (TSM, TISM, SCV) well within the 60 day window since I sold those funds. I did not do anything special. I never saw the squiggly "restricted" symbol so I decided to t...
by skylar
Sun Jan 12, 2014 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Frequent Trading Policy
Replies: 17
Views: 1689

Re: Help with WA State 457b

For the bond side I presume nothing in the plan matches total (US nominal investment-grade non-tax-exempt) bond market -- hard to say how close the active fund is though I agree the extra credit risk shouldn't be ignored. It might be worth considering the "savings pool" after investigatin...
by skylar
Mon Jan 06, 2014 11:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with WA State 457b
Replies: 5
Views: 423

Re: Do you invest in a taxable account?

I'm another "no". Max'ing out my 403b, 457b, Roth IRA and HSA; and my wife's 401k and Roth IRA, is enough for us.
by skylar
Sun Jan 05, 2014 8:48 pm
 
Forum: Investing - Theory, News & General
Topic: Do you invest in a taxable account?
Replies: 111
Views: 7638

Re: How do Vanguard mutual funds/ETFs "rebalance"?

Vanguard's index funds are weighted based on market capitalization. This means that there is no need for them to rebalance as the price of the underlying stocks change, since the changing stock price has already changed the weight. They buy new shares or sell existing shares based on their cash flow...
by skylar
Sun Jan 05, 2014 1:12 am
 
Forum: Investing - Theory, News & General
Topic: How do Vanguard mutual funds/ETFs "rebalance"?
Replies: 3
Views: 498

Re: Help with WA State 457b

I would recommend looking at your entire portfolio as a single unit, rather than each account as completely separate. You might want to post your entire portfolio, using this as a guide: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 I'm also a participant in the WA 457b, but I just us...
by skylar
Sun Jan 05, 2014 1:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with WA State 457b
Replies: 5
Views: 423
Next

Return to advanced search