Search found 869 matches

by feh
Tue Feb 02, 2016 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Nearing retirement but annual contribution still very significant
Replies: 41
Views: 3471

Re: Nearing retirement but annual contribution still very significant

Our annual savings are about 5% of our nest egg. My income has never been higher than the last couple years.

Still planning on going part-time this year.
by feh
Fri Jan 29, 2016 3:00 pm
Forum: Personal Consumer Issues
Topic: Web filter for children
Replies: 7
Views: 705

Re: Web filter for children

opendns.com
by feh
Thu Jan 28, 2016 4:11 pm
Forum: Investing - Theory, News & General
Topic: Entire Portfolio Expense Ratio
Replies: 41
Views: 2029

Re: Entire Portfolio Expense Ratio

The M* portfolio tracker provides this metric.

Ours is .17
by feh
Tue Jan 26, 2016 1:10 pm
Forum: Investing - Theory, News & General
Topic: At what point would you go from 70/30 to 100(stocks)/0(bonds) if you are in your late twenties
Replies: 48
Views: 3390

Re: At what point would you go from 70/30 to 100(stocks)/0(bonds) if you are in your late twenties

If I were in my late 20s, I'd be 90-100% now.

Not because of the current state of the markets, but simply because of my time horizon.
by feh
Fri Jan 15, 2016 1:09 pm
Forum: Investing - Theory, News & General
Topic: Who's buyin' today?
Replies: 127
Views: 10730

Re: Who's buyin' today?

I'm seriously considering it, even though we are not outside our rebalancing bands.

I'd have to take money from fixed income to do it; no dry powder here.
by feh
Mon Jan 11, 2016 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS - I Bonds vs mutual fund
Replies: 13
Views: 816

Re: TIPS - I Bonds vs mutual fund

Are the TIPs in taxable? If so, probably I bonds. No, the TIPS fund is in tax-deferred accounts. I bonds would need to be in a taxable account. There is no law against having them in an IRA. However, it is apparently impossible to find an IRA custodian that will hold them for you. The TIPS fund is ...
by feh
Mon Jan 11, 2016 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS - I Bonds vs mutual fund
Replies: 13
Views: 816

Re: TIPS - I Bonds vs mutual fund

swl wrote:Are the TIPs in taxable? If so, probably I bonds.


No, the TIPS fund is in tax-deferred accounts.
by feh
Mon Jan 11, 2016 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS - I Bonds vs mutual fund
Replies: 13
Views: 816

Re: TIPS - I Bonds vs mutual fund

TIPS and I Bonds are two separate instruments: https://www.bogleheads.org/wiki/I_Bonds_vs_TIPS The question should be TIPS vs. I Bonds (or both); then, if TIPS, individual TIPS vs. mutual fund (or both). Please, let's not muddy the waters over terminology. If you want me to restate my situation, 20...
by feh
Mon Jan 11, 2016 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS - I Bonds vs mutual fund
Replies: 13
Views: 816

TIPS - I Bonds vs mutual fund

Hi folks. On the verge of retirement. In preparation thereof, I've increased our TIPS holdings to 20% of our fixed income. Of those holdings, about 1/3 are I Bonds, and the rest is a TIPS fund. My question is - should I continue to buy I Bonds each year, and use them to replace shares held in the mu...
by feh
Tue Jan 05, 2016 12:59 pm
Forum: Investing - Theory, News & General
Topic: At what age did you stop reinvesting dividends?
Replies: 45
Views: 4403

Re: At what age did you stop reinvesting dividends?

This question is specifically for taxable accounts. I am in my 20's so I currently reinvest all of my taxable account dividends. But at what age did you start taking these dividends to help boost household income? This would be a nice benefit over time, but right now I know I need to reinvest and g...
by feh
Mon Jan 04, 2016 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: How many streams of income do you have?
Replies: 60
Views: 5866

Re: How many streams of income do you have?

1) wages
2) LLC
3) dividends/capital gains
by feh
Mon Jan 04, 2016 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Saved half of income last year - struggling to see the point
Replies: 45
Views: 6024

Re: Saved half of income last year - struggling to see the point

The Wine Dark Sea wrote:I guess I'd just like to hear your perspective. How to continue self-motivating?


You're saving for your future self. When you are 50, you will be very pleased with the options you'll have.
by feh
Fri Dec 11, 2015 9:07 am
Forum: Investing - Theory, News & General
Topic: Tilt Question: Small Caps
Replies: 52
Views: 3840

Re: Tilt Question: Small Caps

How do you actually implement the tilt? Do you just buy more small caps on top of what you hold, or do you go short a large cap fund to invest the proceeds in a small cap fund? Which is correct? Possibly both? We tilt 33%, which means one third of what would go into the US total market (following t...
by feh
Thu Dec 10, 2015 8:32 am
Forum: Investing - Theory, News & General
Topic: Tilt Question: Small Caps
Replies: 52
Views: 3840

Re: Tilt Question: Small Caps

new2bogle2 wrote:
Are there any places to find Fidelity Funds which are similar to either DFA or VG?
Thank you


I am also a Fido customer (have the majority of our assets with them), and I'm not aware of suitable offerings, although I haven't looked in a while.

I use VBR/VSS/SCZ.
by feh
Wed Dec 09, 2015 1:42 pm
Forum: Investing - Theory, News & General
Topic: Tilt Question: Small Caps
Replies: 52
Views: 3840

Re: Tilt Question: Small Caps

33% tilt to both domestic and ex-US.
by feh
Mon Dec 07, 2015 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 169
Views: 11180

Re: A car nicer than the boss?

navyitaly wrote:Who cares what others drive?


+1
by feh
Mon Dec 07, 2015 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Work Part-Time or Fully Retire?
Replies: 57
Views: 5206

Re: Work Part-Time or Fully Retire?

Financially, it appears you and your spouse are set.

When I see the phrase "burned out", I wonder why you would want to continue working, even at part time.
by feh
Wed Dec 02, 2015 1:36 pm
Forum: Personal Consumer Issues
Topic: What am I missing ? ... Smart Phones $100 vs. $600
Replies: 65
Views: 5763

Re: What am I missing ? ... Smart Phones $100 vs. $600

kenschmidt wrote:
fatlever wrote:Without the promo, I would have probably looked at the Moto G or X - good value there - and I do get the appeal of the cheaper Android options.


I bought a Moto G a year ago for $80, and I'm perfectly happy with it.
by feh
Wed Dec 02, 2015 1:35 pm
Forum: Personal Consumer Issues
Topic: What am I missing ? ... Smart Phones $100 vs. $600
Replies: 65
Views: 5763

Re: What am I missing ? ... Smart Phones $100 vs. $600

SpringMan wrote:For many it seems phones have become a fashion statement much like a watch or jewelry.


+1

I'm not disregarding the technological differences between an inexpensive an expensive phone. But, let's be honest, some people just want to have the latest, shiniest gizmo.
by feh
Mon Nov 30, 2015 10:12 am
Forum: Investing - Theory, News & General
Topic: Fixed Asset Allocation for the rest of your life
Replies: 60
Views: 6050

Re: Fixed Asset Allocation for the rest of your life

May be retiring next year at age 50. No plans to deviate from 60/40.
by feh
Tue Nov 17, 2015 12:43 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market - are you experiences losses currently?
Replies: 65
Views: 6854

Re: Total Bond Market - are you experiences losses currently?

Soli wrote:As we move into December and 2016, what bonds would you recommend for funds you need in the near term (1-3) years


savings account

and what bonds would you recommend for funds you might need in 5-10 years?


TBM
by feh
Fri Nov 13, 2015 1:11 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market - are you experiences losses currently?
Replies: 65
Views: 6854

Re: Total Bond Market - are you experiences losses currently?

Soli wrote:To those of you in Total Bond Market,
Are you experiencing losses currently?


Has the value of my TBM funds fallen the last couple weeks? Yes.

Have I lost anything? No, because I haven't sold anything.

I prefer high interest rates; better returns in the long run.
by feh
Tue Nov 10, 2015 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: When To Justify Expensive Wants?
Replies: 79
Views: 6414

Re: When To Justify Expensive Wants?

At 24, I don't recommend spending $50K+ on a vehicle. Do the math - if you bought a reasonably priced car and invested the rest, how much would you have in 20 years? It really depends on the situation though. If they will very likely have much more than they need/want to spend in 20 years anyway, w...
by feh
Tue Nov 10, 2015 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: When To Justify Expensive Wants?
Replies: 79
Views: 6414

Re: When To Justify Expensive Wants?

At 24, I don't recommend spending $50K+ on a vehicle. Do the math - if you bought a reasonably priced car and invested the rest, how much would you have in 20 years?
by feh
Fri Nov 06, 2015 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Flow
Replies: 16
Views: 2252

Re: Cash Flow

Is it bad practice to just look at inflow/outflow to base your financial health? As long as my inflow is higher than my outflow I would be living below my means. I'm just trying to figure out if I'm missing out on logic or if a lot of people just make budgeting a lot more complicated than it needs ...
by feh
Fri Nov 06, 2015 12:53 pm
Forum: Investing - Theory, News & General
Topic: Buy on Dip/Sell on Rise
Replies: 87
Views: 5313

Re: Buy on Dip/Sell on Rise

livesoft wrote:Here is what is prudent: Lower expenses and use the savings to invest more in order to deal with the shortfall.


+1

Live below your means and save as much as you can. If things go well, you reach your destination sooner.
by feh
Fri Nov 06, 2015 12:39 pm
Forum: Investing - Theory, News & General
Topic: I Bonds vs 3% 3yr NWFCU CD
Replies: 23
Views: 3557

Re: I Bonds vs 3% 3yr NWFCU CD

Which one do you think is better? 20k in I Bonds (with 0.1% fixed rate, in Nov 2015) or 20k added to the NWFCU 3% 3yr Add-On CD in Nov 2015? For the sake of this question, assume that adding 20k to the existing NWFCU CD means zero I Bonds for 2015. Next opportunity for I Bonds would be 2016. Thanks...
by feh
Wed Nov 04, 2015 2:42 pm
Forum: Personal Consumer Issues
Topic: Whisky Recommendations
Replies: 109
Views: 8788

Re: Whisky Recommendations

bottlecap wrote:If you are not a whiskey drinker and are looking for something reasonably priced and "smooth," I recommend Four Roses yellow label bourbon.


+1

As somebody that doesn't want to spend a fortune on bourbon, this is my go-to brand.

If you feel the need to spend more, try their small batch.
by feh
Tue Nov 03, 2015 1:43 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 327
Views: 25444

Re: NWFCU mobile app

There's no way for the customer to do this themselves (using their web interface). However, if you send them a secure message w/ the request, they will take care of it. Just downloaded the mobile app, and although I'm not ready to do it yet, I do see that the CD is an account you can select for the...
by feh
Tue Nov 03, 2015 12:43 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 327
Views: 25444

Re: Northwest FCU 3-year 3.04% Add-On CD

<snip>... the mobile app for NWFCU <snip> ... transfer function allowed me to move the money from savings to the CD. Cool! First I've heard of this, and I don't recall anyone reporting that they could do the transfer online otherwise. Thanks, Kevin There's no way for the customer to do this themsel...
by feh
Fri Oct 30, 2015 2:11 pm
Forum: Personal Consumer Issues
Topic: Oil change - Auto shop or DIY
Replies: 113
Views: 6119

Re: Oil change - Auto shop or DIY

You forgot to quote the part where I said I've never had an issue with them. Not everybody that smokes dies of lung cancer, either. So what you're saying is I should stick with Fram, right? Doesn't matter to me. I was just pointing out the failed reasoning. http://www.fallacyfiles.org/biassamp.html
by feh
Fri Oct 30, 2015 2:03 pm
Forum: Personal Consumer Issues
Topic: Oil change - Auto shop or DIY
Replies: 113
Views: 6119

Re: Oil change - Auto shop or DIY

pennstater2005 wrote:
You forgot to quote the part where I said I've never had an issue with them.


Not everybody that smokes dies of lung cancer, either.
by feh
Fri Oct 30, 2015 1:49 pm
Forum: Personal Consumer Issues
Topic: Oil change - Auto shop or DIY
Replies: 113
Views: 6119

Re: Oil change - Auto shop or DIY

I just got 5 quarts of Super Tech 5W20 oil for $11.44 and a Fram oil filter for $3.77 from Wal Mart. Can't speak to the oil, but Fram filters are really bad. They've been around since 1934 so if the filters were truly that bad I doubt they would still be around. No one would buy them. Just because ...
by feh
Fri Oct 30, 2015 1:37 pm
Forum: Personal Consumer Issues
Topic: Oil change - Auto shop or DIY
Replies: 113
Views: 6119

Re: Oil change - Auto shop or DIY

pennstater2005 wrote:I just got 5 quarts of Super Tech 5W20 oil for $11.44 and a Fram oil filter for $3.77 from Wal Mart.


Can't speak to the oil, but Fram filters are really bad.
by feh
Fri Oct 30, 2015 12:25 pm
Forum: Personal Consumer Issues
Topic: Oil change - Auto shop or DIY
Replies: 113
Views: 6119

Re: Oil change - Auto shop or DIY

JohnF wrote:I’m 70 and have never paid anyone to change oil. Doing it myself guarantees it’s done right while giving me an opportunity to inspect the bottom side of the vehicle.


+1

I take care of oil changes myself. I know I'm using a good filter, good oil, and that it's being done right.
by feh
Fri Oct 30, 2015 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Scared to take the BH jump (30yr old) (portfolio)
Replies: 53
Views: 7049

Re: Scared to take the BH jump (30yr old)

Indexing is a fad? I didn't realize Bogleheads had become so trendy!
by feh
Tue Oct 27, 2015 12:33 pm
Forum: Personal Consumer Issues
Topic: Buying Prescription Eyeglasses Online
Replies: 31
Views: 3870

Re: Buying Prescription Eyeglasses Online

Don't have a prescription as strong as yours, but my family has been using zenni for at least 7 years now.

I can't imagine going to a retail store and getting reamed any more.
by feh
Tue Oct 27, 2015 12:14 pm
Forum: Personal Consumer Issues
Topic: Bicycle commuting
Replies: 91
Views: 6294

Re: Bicycle commuting

I commute via bike when the weather allows. That means not raining, and above 35 degrees. Where I live, that makes my commuting season April through October. 20 miles round trip.

Been doing this for 10 years now. This year (this is probably my last week) I hit 1700 miles.
by feh
Tue Oct 27, 2015 11:53 am
Forum: Personal Finance (Not Investing)
Topic: 2016 HC.gov health insurance pricing is up
Replies: 51
Views: 4473

Re: 2016 HC.gov health insurance pricing is up

Confused wrote:
Indeed. But since I ascribe health insurance a value of $0 in my life, it's the same as nothing.


Very short sighted. Any accident/unexpected illness could wipe you out.
by feh
Tue Oct 27, 2015 11:39 am
Forum: Investing - Theory, News & General
Topic: New way to bet on oil wipes out billions in investor savings
Replies: 14
Views: 2101

Re: New way to bet on oil wipes out billions in investor savings

She said, "I trusted him." This was her first mistake. Never trust anybody that is selling you something. None of us know what conversations took place. It's possible fraud was committed. It's also possible an ignorant individual didn't do their homework and made a bad decision. Can't jud...
by feh
Mon Oct 26, 2015 12:07 pm
Forum: Investing - Theory, News & General
Topic: Peanut returns [why not try stock picking?]
Replies: 61
Views: 6064

Re: Peanut returns [why not try stock picking?]

When I look at some of the tech stocks, I feel like my indexing strategy is getting peanut returns: My tax-free account has gone virtually nowhere and I'm thinking of taking on more risk for potentially higher returns. Newb - you are no longer a newb. You've been around here for 3 years now. May I ...
by feh
Tue Oct 20, 2015 11:51 am
Forum: Investing - Theory, News & General
Topic: When am I ready for TIPS/REITs?
Replies: 27
Views: 1852

Re: When am I ready for TIPS/REITs?

goingup wrote:TIPs are bonds with inflation protection. Most folks add TIPs when they are older, retired, and no longer earning wages which keep up with inflation.


+1

Never held TIPS before this year. Bought them now because retirement is just around the corner.
by feh
Mon Oct 19, 2015 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage Paid Off = Bond Allocation
Replies: 14
Views: 1451

Re: Mortgage Paid Off = Bond Allocation

mlh46 wrote:When allocating between equities and bonds, should I include my home equity in my bond allocation? Or, should I not consider it at all?


I don't consider our home (paid for) as part of our AA.

Of course, it is used for calculating net worth.
by feh
Mon Oct 19, 2015 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Maximum limit for Fido Ex-US Index (FSGDX)?
Replies: 26
Views: 1562

Re: Maximum limit for Fido Ex-US Index (FSGDX)?

I was told: - The $100k limit is the maximum holding you are allowed to have of that fund, full-stop. Not per day, not per-order, not electronic limit only, but that is the maximum you can hold of that fund. Very strange. I hold a lot more than that in a single account Me too. The rep is wrong on t...
by feh
Mon Oct 19, 2015 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Maximum limit for Fido Ex-US Index (FSGDX)?
Replies: 26
Views: 1562

Re: Maximum limit for Fido Ex-US Index (FSGDX)?

slin wrote:1) Has anyone else run into this issue?


Yes. I can't remember if it was when buying or selling; perhaps both.
by feh
Thu Oct 15, 2015 8:41 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 327
Views: 25444

Re: Northwest FCU 3-year 3.04% Add-On CD

Anybody know how you can see what your account number is? I can't find a way to view it thru the web interface.
by feh
Thu Oct 15, 2015 11:13 am
Forum: Investing - Theory, News & General
Topic: Am I saving 10% or 20%
Replies: 51
Views: 5452

Re: Am I saving 10% or 20%

I don't calculate our savings rate. But if I did, I'd use amount saved/gross income.

I would not include employer match (in the numerator or denominator).

Go to advanced search