Search found 1101 matches

by feh
Mon Oct 09, 2017 10:44 am
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 97
Views: 5132

Re: Has your "risk tolerance" been tested?

I was investing during both the 2001-3 and 2008-9 periods. Was 100% equities both times, and didn't sell anything.

PS - now that I am on the cusp of retirement, our AA is 60/40
by feh
Tue Oct 03, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4199

Re: Waxing my car!

I hate waxing, but live in a state where plenty of salt is used on the roads in the winter. I want something that protects for a long time, which is Zaino. I too live in a state that uses salt and haven't waxed any of my cars which are 3, 10 (just traded off two months ago), & 20 years old. None of...
by feh
Tue Oct 03, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4199

Re: Waxing my car!

I use Zaino. +1 I hate waxing, but live in a state where plenty of salt is used on the roads in the winter. I want something that protects for a long time, which is Zaino. How long does is protect? What is your initial wax and then what and how often do you do maintenance wax? I always associated Z...
by feh
Tue Oct 03, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4199

Re: Waxing my car!

Beck49 wrote:
Sat Sep 30, 2017 8:49 pm
I use Zaino.
+1

I hate waxing, but live in a state where plenty of salt is used on the roads in the winter. I want something that protects for a long time, which is Zaino.
by feh
Tue Oct 03, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 3966

Re: I bought a car without thinking too much about value

My only comment is that I wouldn't buy electric if only driving 5K miles per year.
by feh
Tue Sep 26, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 95
Views: 6177

Re: What is your favorite reasonably priced bourbon?

Ketawa wrote:
Sat Sep 23, 2017 8:05 am

Four Roses Single Barrel
Four Roses Small Batch
The regular yellow label Four Roses is quite good, and even less expensive.
by feh
Tue Sep 19, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 25213

Re: Calling out the not so rich bogleheads

I've always thought bogleheads was more about attitude than net worth.

There are a lot of LBYM types here, and lots of wealthy people here. Probably because one leads to the other.
by feh
Sun Sep 17, 2017 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 95
Views: 11361

Re: please confirm: early retirement

Debating about the possibility of early retirement too, but I'm thinking part time work may be good to start with. I have no regrets; just thankful my employer was ok with the change. I don't think I'll have any trouble w/ full retirement. I'm not the least bit bored the 5 days of the week I'm not ...
by feh
Sun Sep 17, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20098

Re: Iphone X is $1000

I paid $85 for my Moto G 3 years ago, and it does everything I need it to.

No way I'm paying $$$ for an Apple product.
by feh
Sat Sep 16, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 95
Views: 11361

Re: please confirm: early retirement

Feh: Did you you take the plunge and retire early? Any updates on how it's going? Wow, thread dredge! :P I went part time (2 days/week) in July of '16. Main reasons I didn't fully retire: want to keep my foot in the door if I didn't like all the free time. I'm in technology, so if I quit, it may be...
by feh
Thu Sep 14, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: 3Q2017 Estimated taxes are due 15 Sep 2017
Replies: 14
Views: 823

Re: 3Q2017 Estimated taxes are due 15 Sep 2017

I paid my Q3 taxes today, but for Q2, I was a couple weeks late (paid July 5). The amount owed was $1600. What am I realistically looking at as far as penalty is concerned, like 20 bucks? There is an IRS form that will lead you to the amount you owe, but it's rather complex. I don't know what will ...
by feh
Tue Sep 12, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Relocate for Early Retirement?
Replies: 41
Views: 3691

Re: Relocate for Early Retirement?

We are planning on moving in a couple years, once we are empty-nesters. Going from WI to CO.

COL may be a bit higher, but geography, weather and taxes will all be better.
by feh
Mon Sep 11, 2017 11:21 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in 3-fund indexed portfolio?
Replies: 177
Views: 12310

Re: Bitcoin in 3-fund indexed portfolio?

Thanks for replying. This sounds like a reasonable strategy. You seem to have done good home work :) I guess with Armory you are downloading the whole blockchain. I was leaning towards Electrum, but of course if you have the disk space, Armory would be more secure. Yes, Armory seems to be one of th...
by feh
Mon Sep 11, 2017 11:02 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in 3-fund indexed portfolio?
Replies: 177
Views: 12310

Re: Bitcoin in 3-fund indexed portfolio?

Very useful and well rounded reply. Thanks for doing so. I found your whole post to be very informative, and for completeness sake, due to your direct experience would like to ask a few follow ups: 1. What exchange do you use? In my research I only found GDAX and Gemini that accept ACH. 2. What wal...
by feh
Thu Sep 07, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 4884

Re: how often does high ACT score == scholarship?

My own observation on upper middle class students who are great, but not the off-the-chart ones who cure cancer and create world peace, is this: Their academic accomplishment will get them a choice: Scholarships at good but not "name" institutions, OR entrance into top, "name" institutions, but pro...
by feh
Thu Sep 07, 2017 7:22 am
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 4884

Re: how often does high ACT score == scholarship?

OP, It was our experience that state universities printed in black and white the amount of scholarship provided based on the ACT score, e.g. 33-36 = full tuition, 29-32 = $2500 per year, etc. I assume you've read their material? Good luck! A quick search indicates Wisconsin does not have such autom...
by feh
Wed Sep 06, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 4884

Re: how often does high ACT score == scholarship?

Our son, now a college sophomore, received a 27 (3 times) on the ACT. His GPA was fairly high. He was offered $1,000 from our in-state flagship university. He was offered $80,000 in renewable scholarships ($20k per year) from a private school. He eventually chose the private. Whether private or pub...
by feh
Tue Sep 05, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 4884

Re: how often does high ACT score == scholarship?

<< He has interests/talents in the arts (graphic design, industrial design) as well as STEM (engineering, physics). >> There is no way that he is really interested in those areas. The personality type and temperament needed to work and succeed in each area are totally different. The more accurate s...
by feh
Tue Sep 05, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 4884

Re: how often does high ACT score == scholarship?

1) What is his intended major? This is the biggest unknown at this point. He has interests/talents in the arts (graphic design, industrial design) as well as STEM (engineering, physics). We've been trying to find schools strong in both areas, so that if he changes his mind he won't have to transfer.
by feh
Tue Sep 05, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 4884

Re: how often does high ACT score == scholarship?

A considerable (in my opinion) amount has been set aside for college, so a full ride is not necessary. However, what is in the bank will not pay for 4 years at a $40K+ school. feh, But, depending on his career choice and major, a graduate degree maybe necessary. Not spending all the money for an un...
by feh
Tue Sep 05, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 4884

Re: how often does high ACT score == scholarship?

Crazy to think that doesn't get you everything at some universities. I was a 3.8 GPA and 27 ACT, and got a full tuition scholarship to a smaller, in-state public university. Is he dead set on a university that won't give him a full ride? I lived at home while I went to college, so it was all covere...
by feh
Tue Sep 05, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 4884

Re: how often does high ACT score == scholarship?

University of Wisconsin is an excellent school. Yup, I know. It's my alma mater. :D When I was in Urbana-Champaign many of my ME professors came from Madison. It's irrational to pay out-of-state tuition for a public school if you have a good one in your own state. Victoria Interestingly enough, Ill...
by feh
Tue Sep 05, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 4884

Re: how often does high ACT score == scholarship?

snowman wrote:
Tue Sep 05, 2017 11:44 am

How did your son do on PSAT?
To the best of my knowledge, he did not take the PSAT.
by feh
Tue Sep 05, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 4884

Re: how often does high ACT score == scholarship?

spoco79 wrote:
Tue Sep 05, 2017 11:37 am
College professor here

What state are you in?
Wisconsin.

In-state schools are a possibility, but aren't currently near the top of his list.
by feh
Tue Sep 05, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 4884

how often does high ACT score == scholarship?

Hi folks. My son (a HS senior) is in college application mode. Most of the schools he's interested in are large, research-oriented public schools (think Big 10). Most of them are out-of-state, which makes them a pricey option. He does not have a stellar GPA (around 3.6), but he did really well on th...
by feh
Wed Aug 30, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: Learning from loss
Replies: 23
Views: 2856

Re: Learning from loss

Many of those here have experienced some significant investment losses over the years. What have you learned about investing, and maybe about yourselves from these financial losses? Are you referring to an actual loss (selling an asset at a price lower than you paid), or a reduction in value of an ...
by feh
Mon Aug 14, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: What % of income to buy a car is not excessive?
Replies: 48
Views: 3720

Re: What % of income to buy a car is not excessive?

whodidntante wrote:
Sun Aug 13, 2017 9:41 pm
I don't view % of income as good way to decide and I've never decided that way.
+1

I've never understood this type of thinking. Leads to lifestyle creep.
by feh
Thu Aug 10, 2017 9:01 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 6638

Re: What Percentage CASH are you?

Less than 1% of portfolio. Of course, that value depends on your definition of "cash". I do not consider money in CDs as cash.
by feh
Tue Aug 08, 2017 10:55 am
Forum: Investing - Theory, News & General
Topic: FSITX Question (Fidelity Total Bond Index Fund)
Replies: 7
Views: 735

Re: FSITX Question (Fidelity Total Bond Index Fund)

I have a tax deferred account (IRA) at Fidelity. I like the idea of Vanguard's Total Bond Fund. Is FSITX a good thing to invest in or should I consider asking Vanguard to move the IRA to Vanguard? Or should I consider buying whatever ETF Index Fund I like at Fidelity and buy that? Thanks for the he...
by feh
Tue Aug 01, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA: if known result, why complete?
Replies: 44
Views: 2858

Re: FAFSA: if known result, why complete?

Some private schools provide help above and beyond that... The FAFSA is the starting point for finding out what they might do. Well, it was admissions people at public universities that made this comment, so my question still stands. I ran through an online calculator and our estimated family contr...
by feh
Tue Aug 01, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA: if known result, why complete?
Replies: 44
Views: 2858

FAFSA: if known result, why complete?

Hi folks. Son will be attending college in one year, so applications are going out this fall. We've been on several campus tours, and I've heard admissions people say "fill out the FAFSA, even if you don't think you'll receive anything". My question is: why? Given our investment portfolio, we will n...
by feh
Thu Jul 20, 2017 8:27 am
Forum: Investing - Help with Personal Investments
Topic: anybody dabble in venture capital?
Replies: 24
Views: 2045

Re: anybody dabble in venture capital?

whodidntante wrote:So you have a little gamble in you, eh? May I suggest poker? :happy
Been there, done that. :wink:

Made profits, but too much of a grind.
by feh
Tue Jul 18, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: anybody dabble in venture capital?
Replies: 24
Views: 2045

Re: anybody dabble in venture capital?

TomatoTomahto wrote: I meant why would they let you give them money?
Why would they not want my money?
by feh
Tue Jul 18, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: anybody dabble in venture capital?
Replies: 24
Views: 2045

Re: anybody dabble in venture capital?

alex_686 wrote:Why venture capital? Why not hedge funds or private equity? Direct real estate investment?
I'm not interested in real estate. Hedge funds or private equity are options I'd be willing to learn more about.

Anybody aware of online sources that discuss the pros/cons of such "alternative" investments?
by feh
Tue Jul 18, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: anybody dabble in venture capital?
Replies: 24
Views: 2045

Re: anybody dabble in venture capital?

TomatoTomahto wrote: What do you bring to the table that would make you a worthwhile investor?
I doubt the firms I am aware of care about anything besides the money I could provide. Am I wrong?
by feh
Tue Jul 18, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: anybody dabble in venture capital?
Replies: 24
Views: 2045

anybody dabble in venture capital?

Hello folks.

Our portfolio, which is very Bogle-ish (indices, SV tilt), has grown to the size where I am comfortable using a small portion (ie. < 2%) for "speculation". As an accredited investor, venture capital is such an option.

Anybody want to chime in on their experiences with such?

Thanks.
by feh
Thu Jul 06, 2017 7:05 am
Forum: Investing - Theory, News & General
Topic: 100% stocks no debt?
Replies: 56
Views: 4750

Re: 100% stocks no debt?

I just wanted to know more about how the crash changed your outlook. I'm 70/30 now and I was feeling like that might be too conservative. After reading some more posts like yours I think it might be too aggressive! I wouldn't say the crash affected my outlook. As I said, I didn't sell anything duri...
by feh
Wed Jul 05, 2017 3:39 pm
Forum: Investing - Theory, News & General
Topic: 100% stocks no debt?
Replies: 56
Views: 4750

Re: 100% stocks no debt?

Could you please elaborate? Thanks! I am more risk-tolerant than the average person. I did not sell during 2008, but let me tell you, it was not fun watching our balances nose dive. I found bogleheads.org about 5 years ago and purchased bond funds for the first time. Our 100/0 asset allocation was ...
by feh
Wed Jul 05, 2017 11:52 am
Forum: Investing - Theory, News & General
Topic: 100% stocks no debt?
Replies: 56
Views: 4750

Re: 100% stocks no debt?

Our portfolio was 100% equities until well into our forties (and no debt). On the verge of retirement (age 51), we are now 60/40.

That is not a recommendation.
by feh
Mon Jul 03, 2017 12:40 pm
Forum: Investing - Theory, News & General
Topic: When Did You Start Investing Your Own Money?
Replies: 47
Views: 3384

Re: When Did You Start Investing Your Own Money?

I was 26 or 27. Had purchased our first home a year or two earlier and had spare funds for the first time.
by feh
Tue Jun 27, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Travel to Ireland and, hopefully, to Cambridge, England
Replies: 15
Views: 1149

Re: Travel to Ireland and, hopefully, to Cambridge, England

adamthesmythe wrote:The web says the station is Kings Cross and it is about an hour to Cambridge. You will have a great time.
Just took this train last summer. Easy peasy.
by feh
Mon Jun 26, 2017 11:15 am
Forum: Investing - Theory, News & General
Topic: Yes, This Is Market Timing: If the CAPE Goes Above 30, Bring on the Larry
Replies: 142
Views: 10967

Re: Yes, This Is Market Timing: If the CAPE Goes Above 30, Bring on the Larry

It's not until the end of last year and this year that volume has more than doubled since about 2013-2014. You are watching the market too closely. There will likely be at least 2 recessions between now and when you expect to retire. Get used to the idea. Set your AA at what you can sleep with and ...
by feh
Mon Jun 26, 2017 10:15 am
Forum: Investing - Theory, News & General
Topic: Yes, This Is Market Timing: If the CAPE Goes Above 30, Bring on the Larry
Replies: 142
Views: 10967

Re: Yes, This Is Market Timing: If the CAPE Goes Above 30, Bring on the Larry

sjwoo wrote: My horizon is shorter than yours -- about 13 years.
Unless you know the date of your death, you can't say this. If you are eyeing retirement in 13 years, your horizon is quite a bit longer than that.
by feh
Wed May 31, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: Does anyone treat taxable as a "someday fund"?
Replies: 86
Views: 7003

Re: Does anyone treat taxable as a "someday fund"?

This is exactly what I have been building our taxable account for. Right now, it could serve as an additional emergency tier if we ever needed it. In the long-term it's intended to be able to make available any number of possibilities (but not all of them). Vacation home, new car, extra college mon...
by feh
Tue May 16, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else agree with my logic on silicon valley housing?
Replies: 84
Views: 8187

Re: Anyone else agree with my logic on silicon valley housing?

GrandDesigns wrote:
TL;DR: Thoughts on the perils of justifying huge amounts of debt based on having a large income.


15 years ago I considered moving from WI to SF. After evaluating the increase in both wages and cost of living, it made sense to stay put. I think that is even more true today.
by feh
Tue May 16, 2017 11:45 am
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 182
Views: 28164

Re: When 60/40 just isn't appropriate

Sorry to bump What a waste of time reading pages upon pages of comments on this thread by most people who are still working. Need to see what retire or about to retire people are thinking about asset allocation. These are people with social security and/or pension. That makes a hell of decisions on...
by feh
Sat May 13, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Who really needs an umbrella insurance?
Replies: 40
Views: 6167

Re: Who really needs an umbrella insurance?

goingup wrote: Unless you feel like you're in a profession that puts a target on your back, I wouldn't spend the extra $200 a year until you have some assets to protect.


+1
by feh
Wed May 10, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 208
Views: 31425

Re: guaranteed 5% vs stocks?

Thanks...it's in the letter, but the letter isn't on me at the moment. So... ** The Insight Savings Account ('Savings Account') is made available to Cardholders through Republic Bank of Chicago®, Members FDIC. As of January 1, 2017, the Annual Percentage Yield ('APY') is 5.00%. This rate is subject...
by feh
Wed May 10, 2017 10:40 am
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 208
Views: 31425

Re: guaranteed 5% vs stocks?

And another one bites the dust... Insight is getting out of the game completely; just received a letter in the mail today that they're going w/ another bank, and the savings rates goes to 0.0%...not even just a reduction in the amount. Oh well. The new bank is providing the same service as before -...