Search found 608 matches

by EHEngineer
Tue Nov 21, 2017 7:53 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 247
Views: 21698

Re: [Yahoo Finance no longer works - Alternatives to download securities quotes]

Well, I was all happy to figure out GOOGLE SHEETS and it works well. Except...it doesn't update mutual fund prices until sometime much later than I'd like (about 6:30PM Eastern). Anyone else notice this? Any good workaround? For me it is fine. But, I set up a portfolio monitor for a friend who like...
by EHEngineer
Tue Nov 21, 2017 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 401k Options
Replies: 4
Views: 242

Re: Thoughts on 401k Options

As far as my 401K, the pickings are slim, but I wondered if I was possible to create a diversified portfolio with these cheaper Vanguard stocks and bonds for my 401k, and what allocation would be best for an aggressive portfolio of approximately 90 stocks/10 bonds to start. I'd like to teach myself...
by EHEngineer
Tue Nov 14, 2017 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Borrowing from parents - what interest rate?
Replies: 52
Views: 3559

Re: Borrowing from parents - what interest rate?

Get a quote from a bank for an unsecured personal loan. 8-10% last I checked. This parental loan is not comparable to an FDIC insured account. And since they cannot forclose on your house as a 1st or even a 2nd lein, this is not comparable to a mortgage. You're underestimating the risk they are taki...
by EHEngineer
Tue Nov 14, 2017 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Pay down a 3.25% 15-year mortgage?
Replies: 25
Views: 3886

Re: Pay down a 3.25% 15-year mortgage?

Hi hyperpigment26, Welcome to the forum. I understand your issue. You have $3,000 per month, post tax dollars, to invest as you wish. You can pay down either of two mortgages, or you can invest in the market. I have a few questions 1) based on the change in cashflow from negative $1300 to positive $...
by EHEngineer
Mon Nov 13, 2017 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki revised - 529 plans
Replies: 3
Views: 480

Re: Wiki revised - 529 plans

Awesome work. Thank you.
by EHEngineer
Sun Nov 12, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Home Loan Analysis
Replies: 5
Views: 457

Re: Home Loan Analysis

As for 3-5-7 years down the road, I am thinking of purchasing a different property with my significant other and renting out this one entirely. That’s part of why the 295k price was attractive. I feel like it makes sense as a first property to live in for a few years, but also doubles a as a good i...
by EHEngineer
Sat Nov 11, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Home Loan Analysis
Replies: 5
Views: 457

Re: Home Loan Analysis

I personally think including the PMI in the interest rate is a bad deal. You have to refi to get rid of the PMI. That's bad because interest rates may be higher later. If it were regular loan plus PMI you can get the 20% equity and cancel PMI without jeopardizing your interest rate. If rates go even...
by EHEngineer
Sat Nov 11, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 247
Views: 21698

Re: How to Get Stock Quotes Into Excel

Glad it helped. For posterity, here's the other thread.
viewtopic.php?f=10&t=203373

edit: That thread is now this thread as noted by LadyGeek in the post below.
by EHEngineer
Fri Nov 10, 2017 3:21 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 247
Views: 21698

Re: How to Get Stock Quotes Into Excel

It died on 11/1. I now get my stock quotes like this: - set up a portfolio of all my stocks in Yahoo Finance and bookmark it - every time I open the bookmarked page, I see a list of my stocks, prices, volumes, etc. - click download to excel, an excel page opens with all my stock quotes - copy and p...
by EHEngineer
Fri Nov 10, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 11146

Re: Got an iPhoneX

It's the aspect ratio I don't like. For some reason, I tend to prefer the 8x10 sizing, in both portrait and landscape. No phone has that, but wider seems better in my opinion.Image
Image
by EHEngineer
Fri Nov 10, 2017 10:26 am
Forum: Investing - Theory, News & General
Topic: Do you keep anything in your portfolio as a monument to your bad decisions?
Replies: 69
Views: 4785

Re: Do you keep anything in your portfolio as a monument to your bad decisions?

I have a couple things, but I would call them reminders of lessons learned. They'e here to be useful for the future, not to lament the past.
by EHEngineer
Fri Nov 10, 2017 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Inactive accounts closed?
Replies: 30
Views: 2194

Re: Inactive accounts closed?

What are your experiences with inactive/dormant checking and credit card accounts being automatically closed? After how long? Do banks close out such accounts if there's 0 inactivity? Some years ago I was moving back and forth from college to an internship. While at college, the bank in the interns...
by EHEngineer
Fri Nov 10, 2017 12:30 am
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 8120

Re: $23k credit card emergency

You seem like a good candidate for credit counseling. If they can help reduce those rates and put you on a payment plan, you might be able to get out of debt much sooner.

https://www.nfcc.org/
by EHEngineer
Fri Nov 10, 2017 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Are all Payroll-->HSA contributions pre-tax?
Replies: 11
Views: 640

Re: Are all Payroll-->HSA contributions pre-tax?

The W2 does not have a line explicitly for employee HSA contributions (no box 12 code either) . The number in Box 1 would be reduced by any pre-tax deductions from pay, including medical insurance premiums and HSA contributions. Any deductions from pay would be documented on your paystub. You shoul...
by EHEngineer
Thu Nov 09, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Are all Payroll-->HSA contributions pre-tax?
Replies: 11
Views: 640

Re: Are all Payroll-->HSA contributions pre-tax?

The W2 does not have a line explicitly for employee HSA contributions (no box 12 code either). The number in Box 1 would be reduced by any pre-tax deductions from pay, including medical insurance premiums and HSA contributions. Any deductions from pay would be documented on your paystub. You should...
by EHEngineer
Thu Nov 09, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Are all Payroll-->HSA contributions pre-tax?
Replies: 11
Views: 640

Re: Are all Payroll-->HSA contributions pre-tax?

Trying to figure out if my (employee) 2016 HSA contributions should have reduced my AGI on 2016 tax return. My W2 shows $1200 of employer contributions to my HSA (box 12), but it doesn't show my employee contributions (~$5550) anywhere on the W2. All of my contributions to the HSA come direct from ...
by EHEngineer
Wed Nov 08, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: End of year paychecks - which year's 401k?
Replies: 3
Views: 418

Re: End of year paychecks - which year's 401k?

pay date is what matters, not pay period.
by EHEngineer
Thu Nov 02, 2017 12:28 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 372
Views: 49734

Re: Retirement Account Stolen by Identity theft

Will you keep us up to date if&when the reimbursement actually happens?
by EHEngineer
Thu Nov 02, 2017 12:26 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 302
Views: 20932

Re: To take or not to take delivery of Tesla 3

I got an email today saying my expected delivery period is being revised farther out. I'm a March 31, 2016 reservation holder. non-employee. non-tesla owner. I logged in, and it has not changed yet. Anyone else get a similar email? Has your date been revised?
by EHEngineer
Thu Nov 02, 2017 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Bond fund/dividend stability?
Replies: 9
Views: 826

Re: Bond fund/dividend stability?

You are investing in bonds because you want a stable income. And you are picking long term bonds because you want a higher yield. Have you considered a broadly diversified conservative portfolio, such as Vanguard Retirement Income Fund? This is a fund that is built to provide retirement income. As e...
by EHEngineer
Tue Oct 31, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Bond fund/dividend stability?
Replies: 9
Views: 826

Re: Bond fund/dividend stability?

why do you want a bond fund?
by EHEngineer
Sat Oct 28, 2017 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Replenishment
Replies: 14
Views: 1811

Re: Emergency Fund Replenishment

The emergency fund gets replenished from your earned income, not from rebalancing. It is easier to not include it in your retirement portfolio. You are correct that if one's emergency fund is included in their retirement portfolio that it will/could affect the entire allocation. Of course, if you ar...
by EHEngineer
Sat Oct 28, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Capital gain tax
Replies: 3
Views: 527

Re: Capital gain tax

My father recently died ( June 2017) and transferred his primary residence to me and my 4 siblings at no cost. He bought the home in 1954 in Ohio for 7000 dollars and we sold it for 104,000 dollars last week. I think the final appraisal was about 95,000 . None of the children used this as a primary...
by EHEngineer
Sat Oct 28, 2017 9:19 am
Forum: Investing - Help with Personal Investments
Topic: HSA Investment Options/Strategy
Replies: 7
Views: 656

Re: HSA Investment Options/Strategy

Hi phgpens, In my opinion, if you may need the money this year, the HSA is not part of your retirement portfolio, and therefore should not comprise any part of the allocation. Even if you put it in bonds, then spend it later this year, you will have to rebabalance the remainder of your portfolio, ef...
by EHEngineer
Sat Oct 28, 2017 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 372
Views: 49734

Re: Retirement Account Stolen by Identity theft

EHEngineer - no medallion signature requirement, only notary.....thanks. That is shocking. I needed a medallion to get $10,000 out of Vanguard. This is insufficient security by TA, IMO. If they don't require medallion, they accept the liability. EHEngineer, Can you elaborate on that? Do you have a ...
by EHEngineer
Fri Oct 27, 2017 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 372
Views: 49734

Re: Retirement Account Stolen by Identity theft

brak wrote:
Thu Oct 26, 2017 1:33 pm
EHEngineer - no medallion signature requirement, only notary.....thanks.
That is shocking. I needed a medallion to get $10,000 out of Vanguard. This is insufficient security by TA, IMO. If they don't require medallion, they accept the liability.
by EHEngineer
Thu Oct 26, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Ordering iPhoneX
Replies: 19
Views: 1755

Re: Ordering iPhoneX

This "use the App" secret will probably be less helpful this year. Too many people have caught, too many people are "in the know" One helpful aspect is the app is already linked to your wireless account and credit card number- you will need to type all of that information in ordering through a PC. ...
by EHEngineer
Thu Oct 26, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: .....
Replies: 2
Views: 243

Re: Help with Allocation and Funds to pick for Employer Plans

Welcome to Bogleheads. You have a portfolio value of $110,500 You want 85/15 stocks/bonds but you didn't state what proportion of small/mid cap you want. You also didn't state what proportion of international you want. Currently you have about 54% S&P500 and 46% Small/Mid cap. This is substantially ...
by EHEngineer
Thu Oct 26, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Trusting VPN providers
Replies: 11
Views: 896

Re: Trusting VPN providers

With startups, the potential for abuse is more unknown. They may promise privacy and security, but look at the abuses that occurred at UBER. Similarly, I believe Venmo keeps a permanent record of your transactions and has abused that as well. And I would expect similar mis-deeds from a VPN service ...
by EHEngineer
Thu Oct 26, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Trusting VPN providers
Replies: 11
Views: 896

Re: Trusting VPN providers

Most likely I am going with PIA, but I have a thought in the back of my head that PIA will know everything about my browsing habits. Is that any better than my ISP knowing it (Verizon for my phone, Spectrum/TimeWarner for home)? PIA does seem trustworthy in that they really don't keep logs. Are my ...
by EHEngineer
Thu Oct 26, 2017 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Alternative to google finance to track a portfolio with 100+ positions
Replies: 3
Views: 616

Re: Alternative to google finance to track a portfolio with 100+ positions

To reduce the effort, you could calculate the summary statistics for past years, and put them in a simple spreadsheet. Then use a new service to monitor the active part of your portfolio. Free morningstar works for the 40+ holdings in one portfolio I track. But morningstar will not track options, if...
by EHEngineer
Thu Oct 26, 2017 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 372
Views: 49734

Re: Retirement Account Stolen by Identity theft

One other thing I just remembered, a potential avenue of recovery. Did any of the forms used to steal the money require a Medallion Signature Guarantee? My understanding is that the guarantee transfers the liability/fraud risk to the owner of the Medallion. Presumably that would have been Regions Ba...
by EHEngineer
Wed Oct 25, 2017 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Signing up for social security
Replies: 14
Views: 1350

Re: Signing up for social security

I recently helped someone sign up for social security. While prepping to sign up, we created a "my social security" account at https://www.ssa.gov/myaccount/ My friend wanted to complete the sign up at the local office, but when we were logged in to the My SS account, I remember seeing the button to...
by EHEngineer
Wed Oct 25, 2017 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 372
Views: 49734

Re: Retirement Account Stolen by Identity theft

I'm getting repetitive, but I will say again because I don't think you have done it.

Call Clark Howard. 404-892-8227 http://clark.com/about-consumer-action-center/
by EHEngineer
Wed Oct 25, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Policy Analysis
Replies: 53
Views: 2683

Re: Whole Life Policy Analysis

I think I have sufficiently explained my calculation and interpretation. I don't think I have anything further to add.
by EHEngineer
Wed Oct 25, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Policy Analysis
Replies: 53
Views: 2683

Re: Whole Life Policy Analysis

nd since this is both an insurance policy and an investment policy you must determine the financial impact of doing each of those activities on the return calculation. As well the return needs to incorporate what happens at death. Wrong. Right. all of you forgetting the cost and that is why all of ...
by EHEngineer
Wed Oct 25, 2017 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Should you rebalance when you’re in your seventies?
Replies: 25
Views: 2510

Re: Should you rebalance where you’re in your seventies?

Let it ride is reasonable. If your needs are covered by pension income, you can invest as you wish. All cash or all stocks are both acceptable. But be sure to stay the course; don't sell low.
by EHEngineer
Wed Oct 25, 2017 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Account Contributions
Replies: 3
Views: 482

Re: Retirement Account Contributions

Hi riles46, Welcome to bogleheads For most people the general recommendation is to use 401k up to the limit of the match, then Roth IRA until its maximum, then back to the 401k. A couple things to consider though. If, upon reducing the 401k contribution, you are prone to spending the extra income, t...
by EHEngineer
Wed Oct 25, 2017 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Policy Analysis
Replies: 53
Views: 2683

Re: Whole Life Policy Analysis

Unfortunately the pro WL posters continue to misunderstand how to properly evaluate the entire financial situation of these type of junk policies (reminder, see the top thread of this page on warning about WL threads and posters) . The return is not what is on paper (nor what has been calculated in...
by EHEngineer
Wed Oct 25, 2017 4:12 pm
Forum: Investing - Theory, News & General
Topic: 5-year T-note yield rising, compare to Ally CD
Replies: 5
Views: 1384

Re: 5-year T-note yield rising, compare to Ally CD

Hi trainspotter, Welcome to the forum. I think you are right, YTM is the better comparison because it is a forward looking metric. It would compare directly if it represented a single bond. Yield to maturity accounts for the difference between purchase price and face value. At some point in the past...
by EHEngineer
Wed Oct 25, 2017 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Morningstar Article On Bond Fund Benchmarks
Replies: 2
Views: 293

Re: Morningstar Article On Bond Fund Benchmarks

He's citical of the active bond funds using a broad market index benchmark. Nothing wrong with the benchmark.

You have a bunch of motorcycle drivers benchmarking their performance to family sedans, on warm sunny days. That's not indicitive of what will happen when it starts snowing.
by EHEngineer
Wed Oct 25, 2017 12:59 pm
Forum: Investing - Theory, News & General
Topic: Question of Correlation
Replies: 7
Views: 415

Re: Question of Correlation

GibsonL6s wrote:
Wed Oct 25, 2017 12:53 pm
For the time period 1/1/10 to 12/31/16 the results are SPY +12.74 BND +3.36 and a correlation of -.34
Something seems wrong here.The 500 was up a lot more than 12% during that period.
by EHEngineer
Wed Oct 25, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: Ordering iPhoneX
Replies: 19
Views: 1755

Re: Ordering iPhoneX

I have airpods but I still use a headphone jack for reliability & battery life. How does this work? Also what reliability issues to you have with the airpods? They've been flawless for me. +1 I love my AirPods. I've used them for hours every single day for more than 9 months. They're my favorite ga...
by EHEngineer
Wed Oct 25, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Ordering iPhoneX
Replies: 19
Views: 1755

Re: Ordering iPhoneX

So it appears that the physical iPhoneX is a big smaller but the usable screen space is the same or more than iPhone 8Plus. Sorta. There are notches and aspect ratio is different, so apps need to be reformatted. some "in-the-wild" photos show existing apps only using the middle section of the scree...
by EHEngineer
Wed Oct 25, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Best VPN for Chromebook
Replies: 6
Views: 445

Re: Best VPN for Chromebook

cheese_breath, I'm sorry to hear your and your wife's situation. I wish her well. If you have a smart phone & data service, an alternative to the VPN is to use the "personal hotspot" wifi from your phone. Your chromebook can connect to the internet through your cellular service provider. I don't hav...
by EHEngineer
Wed Oct 25, 2017 10:13 am
Forum: Investing - Theory, News & General
Topic: Bogle: Vanguard's size a worry
Replies: 21
Views: 4415

Re: Bogle: Vanguard's size a worry

Has Vanguard been advertising lately?
They used to have that At-Cost coffee truck and other commercials I would see around the web. I never liked the advertising, although I did buy a cheap coffee.
by EHEngineer
Wed Oct 25, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life Policy Analysis
Replies: 53
Views: 2683

Re: Whole Life Policy Analysis

I think OP is convinced that he should keep the WL. For everyone else, I will leave you with an example so you can see why I think the CSV is an attractive investment alternative to other safe investments. One may think that the appropriate comparision is Present vs. Future, but that is incorrect. T...
by EHEngineer
Tue Oct 24, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: Hydroseeding. Anyone used it?
Replies: 8
Views: 631

Re: Hydroseeding. Anyone used it?

Thanks for all the feedback. It looks like I can get a good lawn with hydroseeding. :-) My area is in North Georgia. I am hoping I can get it done before end of this month or latest the first week of November. I plan to put in fescue -- any comments? I haven't thought about hydroseeding in a decade...
by EHEngineer
Tue Oct 24, 2017 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help with parent’s portfolio
Replies: 24
Views: 1311

Re: Help with parent’s portfolio

I have to tell you it is extremely stressful trying to figure out what someone should do when they “aren’t quite there” and have effectively run out of time. She holds practically no equities but trying to convince her to even put 25% of her money there and then potentially watching a big market de...