Search found 979 matches

by feh
Mon Dec 05, 2016 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Do You Consider Dividends As Income?
Replies: 65
Views: 3865

Re: Do You Consider Dividends As Income?

When figuring annual income, do you include your dividends? Even when they are re-invested? This is not an income tax query. I'm just wondering if - in your mind - you factor them in. I thinking maybe in this first year of retirement and living on 2 pensions, it would make me feel 'wealthier' to in...
by feh
Mon Dec 05, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: How do you save copies of your tax forms and supporting docs?
Replies: 25
Views: 1588

Re: How do you save copies of your tax forms and supporting docs?

Rainmaker41 wrote:I have a 'Taxes' folder on my Google Drive. That has sub-folders for each year. Electronic versions of all relevant documents are kept there.


+1, although I use a different online storage vendor.

Simply create/save PDF versions of all documents.
by feh
Tue Nov 29, 2016 2:32 pm
Forum: Investing - Theory, News & General
Topic: Three fund portfolio for retirement
Replies: 62
Views: 6024

Re: Three fund portfolio for retirement

Lieutenant.Columbo wrote:
feh wrote:...I have rejected Liability Matching Portfolios.
feh,
would you mind sharing your approach, then?
thank you


I'm a total return investor. Standard boglehead portfolio (US equities, ex-US equities, total bond), but with SV tilt.

Not yet in withdrawal phase, but will follow VPW.
by feh
Tue Nov 29, 2016 2:06 pm
Forum: Investing - Theory, News & General
Topic: Three fund portfolio for retirement
Replies: 62
Views: 6024

Re: Three fund portfolio for retirement

Taylor wrote: Bogleheads: The big unknown costs in retirement are medical costs which can often exceed $100,000 (I already know). The average lifetime retirement health care premium costs for a 65-year-old healthy couple retiring this year and covered by Medicare Parts B, D, and a supplemental insu...
by feh
Tue Nov 29, 2016 1:45 pm
Forum: Investing - Theory, News & General
Topic: "Sequence of returns risk"
Replies: 42
Views: 2756

Re: "Sequence of returns risk"

rbaldini wrote:Multiplication is commutative. In the long run, it doesn't matter what order the returns come in.


Absolutely false: http://www.investopedia.com/terms/s/sequence-risk.asp
by feh
Tue Nov 29, 2016 1:22 pm
Forum: Investing - Theory, News & General
Topic: "Sequence of returns risk"
Replies: 42
Views: 2756

Re: "Sequence of returns risk"

I'm in my mid sixties and have been retired for about 6 years. Since these early years of my retirement were in a bull market, does that mean, all things being equal, I stand a better than average chance of my portfolio lasting for my lifetime. My portfolio currently is larger than it was when I re...
by feh
Tue Nov 29, 2016 1:19 pm
Forum: Investing - Theory, News & General
Topic: What is a "standard" Small Cap tilt portfolio
Replies: 35
Views: 2803

Re: What is a "standard" Small Cap tilt portfolio

Rick Ferri has at times suggested 25 - 33% of domestic stocks in small-cap value, and the remainder in total stock market. I decided to place 1/3 of our US equities in small-value. I try to do the same w/ ex-US equities, but it ends up being just small instead of SV, as ex-US SV funds are hard to f...
by feh
Tue Nov 29, 2016 1:01 pm
Forum: Investing - Theory, News & General
Topic: Three fund portfolio for retirement
Replies: 62
Views: 6024

Re: Three fund portfolio for retirement

bertilak wrote:
In retirement, it is income that matters.


Not if one is a total return investor.
by feh
Mon Nov 28, 2016 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating New Car Purchase
Replies: 34
Views: 3551

Re: Negotiating New Car Purchase

I've been looking online at local car dealership inventory, and as an example, the vehicle MSRP is $24,000. They have listed an "internet price" of $20,000. Which includes a $2,000 Rebate, along with a $500 Manufacturers Rebate and "an additional discount applied by the sales manager...
by feh
Mon Nov 21, 2016 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Do you track your net worth? How long have you done so?
Replies: 110
Views: 7682

Re: Do you track your net worth? How long have you done so?

miamivice wrote:Do you track your net worth? How often? Do you find it valuable?


I've tracked it for about 5 years, since we started using mint.com. I've always had a general idea of what it is, but with mint, the number stares you in the face.
by feh
Fri Nov 18, 2016 9:52 am
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 204
Views: 25743

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

We are very much stealth wealth people, possibly with the exception of our house, which is larger than we need (but we own it outright).

I cut back to 2 days of work per week this year at age 50. Lots of shocked expressions as mentioned in the article.
by feh
Mon Nov 07, 2016 8:22 am
Forum: Investing - Help with Personal Investments
Topic: CD or I Bond?
Replies: 6
Views: 1014

Re: CD or I Bond?

cheese_breath wrote:Where are you finding a 2 year 3% CD?


Northwest Federal Credit Union offered a 3 yr 3% CD last fall that I can add on to.
by feh
Sun Nov 06, 2016 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: CD or I Bond?
Replies: 6
Views: 1014

CD or I Bond?

Hi folks.

So, I've got $20K I want to put into a safe fixed income vehicle. My options are putting it in a CD for 2 years that earns 3%, or buying I Bonds. If I don't purchase the I Bonds, my opportunity to do so for 2016 will pass.

What would you do?
by feh
Tue Nov 01, 2016 11:42 am
Forum: Investing - Theory, News & General
Topic: Why is the Barclays U.S. Aggregate up 5% this year if rates haven't moved and are expected to go up?
Replies: 6
Views: 732

Re: Why is the Barclays U.S. Aggregate up 5% this year if rates haven't moved and are expected to go up?

cesarbs wrote:Rates have not gone down - in fact, have not moved at all.


Depends on what you look at. The 10 year treasury was 2.27% at the end of last year. It's currently about 1.8%.
by feh
Sat Oct 22, 2016 4:28 pm
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 12577

Re: New Ibond variable rate 2.76% on November 1st. Thoughts?

So I think if we're going to adopt a policy of buying I Bonds when the yields are attractive compared to TIPS, as they are now, then we also should have a policy for swapping into TIPS at predetermined real yields. <snip> If anybody actually comes up with the equations to do this, I'd love to see i...
by feh
Sat Oct 22, 2016 6:47 am
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 12577

Re: New Ibond variable rate 2.76% on November 1st. Thoughts?

So I think if we're going to adopt a policy of buying I Bonds when the yields are attractive compared to TIPS, as they are now, then we also should have a policy for swapping into TIPS at predetermined real yields. With such a policy, you probably would still be holding your I Bonds purchased befor...
by feh
Tue Oct 11, 2016 11:57 am
Forum: Personal Consumer Issues
Topic: Budget car advice; so so tired of the noise levels
Replies: 75
Views: 6871

Re: Budget car advice; so so tired of the noise levels

Does anyone drive a smaller, more economical vehicle, that has good sound reduction from all the road and wind noise? I know tires can help, too. I'd appreciate hearing about what affordable cars you drive that are quiet on the road, but don't drive like a boat. I told myself I would drive a manual...
by feh
Tue Oct 04, 2016 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: 0% Financing on new car (Subaru)...how much to put down upfront?
Replies: 13
Views: 1384

Re: 0% Financing on new car (Subaru)...how much to put down upfront?

jackietreehorn wrote:I purchased a Subaru a couple years back with a similar deal, 0% on a 48 month loan. I put the most down I could on my CC for points, then nothing else.


This is exactly what we did, 2 months ago, even though we could have paid with cash.
by feh
Tue Oct 04, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: 5% prepaid Visa cards: Insight?
Replies: 4
Views: 618

Re: 5% prepaid Visa cards: Insight?

FYI everybody - I received 5% interest on the full $5000 for the third quarter. For the time being, Insight has not reduced the amount they'll pay 5% on, like the other cards have.
by feh
Mon Oct 03, 2016 11:42 am
Forum: Investing - Theory, News & General
Topic: Which Bond Fund As Emergency Fund?
Replies: 39
Views: 4018

Re: Which Bond Fund As Emergency Fund?

Personally, I wouldn't put my E fund in a bond fund.

But, if you're going to anyway, I would suggest VFSUX.
by feh
Mon Sep 19, 2016 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take a loan for a car
Replies: 58
Views: 4528

Re: Why not take a loan for a car

investing1012 wrote:Can someone explain this logic to me:

Don't take a very low interest rate loan on a car to put money in index-funds because money in stocks might go down. Do take money out of your bank and the put money in an index funds even though money in stocks might go down.


Time frame difference.
by feh
Mon Sep 19, 2016 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take a loan for a car
Replies: 58
Views: 4528

Re: Why not take a loan for a car

Negotiate the price of the car without regard to how you're going to pay for it. If you get enough dealers involved and scour the Internet for prices paid, you can get an idea of whether or not you're getting a reasonable price. 0% (or any low rate) can be to your advantage. +1 Agree on the price o...
by feh
Tue Aug 30, 2016 12:49 pm
Forum: Personal Consumer Issues
Topic: New Tire suggestions?
Replies: 15
Views: 1332

Re: New Tire suggestions?

Shop Recommended Tires @Tire Rack, Then start shopping price . Sams works for me. +1 on this strategy. This same topic was recently discussed in-depth on the forum; see here: https://www.bogleheads.org/forum/viewtopic.php?t=192963 +2 Tire Rack's review data is awesome. They also have very good pric...
by feh
Tue Aug 30, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: My beloved Subaru just bit the dust...now what?
Replies: 27
Views: 3004

Re: My beloved Subaru just bit the dust...now what?

Anywho, I'm thinking that a light duty 4 wheel drive SUV like a Honda CRV, Toyota Rav4 or maybe a crossover (whatever that means) like a Subaru Crosstrek would be good. We are contemplating buying a country lot to build a house on in the next year and a half or so, so 4 wheel drive would be good. G...
by feh
Tue Aug 30, 2016 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have just a regular ol' Savings Account?
Replies: 28
Views: 3113

Re: Anyone have just a regular ol' Savings Account?

Instead of splitting into multiple accounts for: Emergency Fund, buying a house, buying a car, travel $$$...etc....Does anyone just have 1 account for "whatever"? We've never kept separate accounts for these kind of categories. We have one online savings account that provides funds for em...
by feh
Tue Aug 16, 2016 3:34 pm
Forum: Personal Consumer Issues
Topic: How do you protect your kids while their online?
Replies: 12
Views: 1170

Re: How do you protect your kids while their online?

Fclevz wrote:OpenDNS. Make sure to set it up through your router so it will affect all computers in the house.


+1
by feh
Tue Aug 16, 2016 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Double Income No Kids (but expect kids in future) - How much home can we afford?
Replies: 28
Views: 2958

Re: Double Income No Kids (but expect kids in future) - How much home can we afford?

We eventually plan on having kids (no clue how many) and we are uncertain how long my wife will continue to work full-time / if she will continue part-time some day. Assuming a single income to determine how large a mortgage we can afford would seem overly conservative Doesn't sound overly conserva...
by feh
Tue Aug 16, 2016 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 304
Views: 42868

Re: Self-made Millionaires: how did hitting 7 figures change you?

Here's my question: for those of you (most of you, I'm guessing) who have hit $1M (or your number of choice), how did that impact you, if at all? Did arriving at that number change you in any meaningful way, or change your perspective? No. It's a fun, round number, but it didn't change our approach...
by feh
Tue Aug 16, 2016 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: buying used car smarter than buying new?
Replies: 89
Views: 5248

Re: buying used car smarter than buying new?

From what I've read, it seems that buying used is usually a smarter choice. For example, I can get a 2014 SUV for about $18,500. The comparable 2016 model starts at about $26K. That's almost a 30% savings. I like the idea of someone else taking that initial depreciation hit. The used SUV is low mil...
by feh
Tue Aug 09, 2016 11:40 am
Forum: Investing - Theory, News & General
Topic: Vanguard - why don't I 'feel' good about them?
Replies: 36
Views: 3724

Re: Vanguard - why don't I 'feel' good about them?

LAlearning wrote:Don't move. Fidelity = Vanguard now essentially.


+1

I am a boglehead that has 90%+ of our portfolio w/ Fidelity.
by feh
Tue Jul 26, 2016 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: saving without goals?
Replies: 23
Views: 2962

Re: saving without goals?

We are still in a life stage where there are a lot of unknown large expenses out there. Right now we save about half our after-tax/401k salaries, but with no real goal in mind other than to keep accumulating for who knows what may come in the future. At what point do we stop saving for the possible...
by feh
Tue Jul 26, 2016 12:05 pm
Forum: Investing - Theory, News & General
Topic: Declining or Rising equity allocation in retirement?
Replies: 110
Views: 7712

Re: Declining or Rising equity allocation in retirement?

But having this bucket approach to say the first 10 years in retirement so you can not worry about equities because they always come back within 10 years, is IMO very foolish, and all one needs to demonstrate how foolish it is is to look at Japan since 1990, an out-of-sample test. I think one must ...
by feh
Tue Jul 26, 2016 11:36 am
Forum: Investing - Theory, News & General
Topic: Prepaid part of mortgage counted in AA?
Replies: 16
Views: 776

Re: Prepaid part of mortgage counted in AA?

Pete12 wrote:
So to answer your question, I would think about higher payments for a 15 year mortgage differently from pre-payments on a 30 year.


This is just mental accounting.

Responses above provide all the info you need. The value of your home is an asset; your mortgage is a liability.
by feh
Sat Jul 16, 2016 7:32 am
Forum: Personal Consumer Issues
Topic: discount cards for prescriptions?
Replies: 27
Views: 1719

Re: discount cards for prescriptions?

This has happened to me. A pharmacy automatically charges the full insurance copay, but if I ask them to give me the non-insurance price, in some cases it has been lower. But they do not volunteer that information. As I was shopping prices, I discovered 2 of our scripts are in this situation - the ...
by feh
Fri Jul 15, 2016 9:43 am
Forum: Personal Consumer Issues
Topic: discount cards for prescriptions?
Replies: 27
Views: 1719

discount cards for prescriptions?

Hi folks. I'm considering switching to an HDHP health plan. Under this plan, we would pay for prescriptions out of pocket, until the deductible is met. As a result, I'm pricing the prescriptions we currently need. I've found web sites like drugs.com and goodrx.com, which claim you can use their card...
by feh
Tue Jul 12, 2016 8:39 am
Forum: Personal Finance (Not Investing)
Topic: new Fido Visa card & mint.com
Replies: 5
Views: 383

Re: new Fido Visa card & mint.com

I was unable to add the Fido visa card to Mint.com What is the name under which the card appears in the Add New Account search, and which login credentials did you have to use? Fidelity login? I just did this to get things working... When adding the account, search under "Elan", as they a...
by feh
Tue Jul 12, 2016 8:06 am
Forum: Personal Finance (Not Investing)
Topic: new Fido Visa card & mint.com
Replies: 5
Views: 383

new Fido Visa card & mint.com

I started using my new Fido Visa card (which is replacing their Amex) a couple weeks ago. While the account shows up on the overview page, individual transactions are not being displayed, as though they either aren't recognized by mint, or aren't being pulled from Fido properly. Anybody else seeing ...
by feh
Mon Jul 11, 2016 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: how/where to cash foreign check
Replies: 10
Views: 564

how/where to cash foreign check

Hi folks.

I'm in the USA, and would like to cash a check made out to me in British pounds. My local credit union wants to charge me $65 for the favor. :!: :!: :!: :!:

Anybody have a recommendation for how I can cash this check, outside of calling local banks?
by feh
Fri Jul 08, 2016 5:20 pm
Forum: Investing - Theory, News & General
Topic: Fidelity customers: Have you experienced pressure to buy active funds?
Replies: 76
Views: 5384

Re: Fidelity customers: Have you experienced pressure to buy active funds?

The lion's share of our portfolio is held at Fidelity. This has been the case for the last 3.5 years.

We've never been pressured to buy any specific fund. That includes a sit-down with our local rep to help us gauge our readiness for retirement.
by feh
Tue Jul 05, 2016 12:12 pm
Forum: Investing - Theory, News & General
Topic: Fixed 60/40 AA in retirement
Replies: 105
Views: 9866

Re: Fixed 60/40 AA in retirement

Our plan is to keep 60/40 indefinitely in retirement. Our initial withdrawal rate is 3%.
by feh
Thu Jun 30, 2016 10:12 am
Forum: Personal Finance (Not Investing)
Topic: 5% prepaid Visa cards: Insight?
Replies: 4
Views: 618

Re: 5% prepaid Visa cards: Insight?

Jags4186 wrote:
Wayyyy too much of a pain in the rear now. I would focus on savings account and checking account bonuses. They yield more than 5% anyway.


I agree. However, I've already gone to the trouble of setting up the accounts, so I will leave whatever balance earns 5%.
by feh
Thu Jun 30, 2016 9:52 am
Forum: Personal Finance (Not Investing)
Topic: 5% prepaid Visa cards: Insight?
Replies: 4
Views: 618

5% prepaid Visa cards: Insight?

From reading the other thread(s) regarding the savings accounts associated with these prepaid Visa cards, I'm aware that the maximum balance that will earn 5% is being reduced from $5000 to $1000. This is the case for Brink's, Western Union, Netspend and Ace Elite. There is another vendor, Insight, ...
by feh
Tue Jun 28, 2016 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Loans to Friends
Replies: 73
Views: 3944

Re: Loans to Friends

Will do good wrote:If he was a good friend he should have called you to ask


A good friend would never dream of such a request, regardless of the medium.
by feh
Fri Jun 03, 2016 12:03 pm
Forum: Investing - Theory, News & General
Topic: Dividends Useless?
Replies: 154
Views: 8483

Re: Dividends Useless?

abuss368 wrote:
feh wrote:
maj wrote:Receiving a dividend is no better or worse than selling shares for income.


Taxes.


Depending on the individual taxpayer there may be no difference.


True, but as of today, the tax rate on capital gains may be lower than the rate on income. The same cannot be said for the reverse.
by feh
Fri Jun 03, 2016 11:45 am
Forum: Investing - Theory, News & General
Topic: Dividends Useless?
Replies: 154
Views: 8483

Re: Dividends Useless?

maj wrote:Receiving a dividend is no better or worse than selling shares for income.


Taxes.
by feh
Thu Jun 02, 2016 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Investing with Fidelity/ishares
Replies: 22
Views: 1863

Re: Boglehead Investing with Fidelity/ishares

mrwheelerdealer wrote:
stlutz wrote:Is this in a retirement account or a taxable account? That could influence some of your decisions.

Taxable


FSTVX
FSITX
FSGDX

IJS/SCZ

Nothing at all wrong w/ Fidelity mutual funds.
by feh
Tue May 31, 2016 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Any problems with netspend
Replies: 63
Views: 6085

Re: Any problems with netspend

protagonist wrote:Will this apply to existing customers or just new customers?\
If true, this is an important piece of information.


For existing accounts, goes into effect on 7/1.

I don't know about new accounts.
by feh
Tue May 31, 2016 12:43 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 202
Views: 26987

Re: guaranteed 5% vs stocks?



This makes me cranky. :annoyed

I'm just glad I didn't break any CDs to fund these accounts.
by feh
Fri May 27, 2016 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Why is social security paying so low?
Replies: 49
Views: 6135

Re: Why is social security paying so low?

misterno wrote:If your wife is not working they pay her 50% of your SS check

If your wife is working but her SS check is less than your 50%, then they pay her 50%

So working wife pays into SS for nothing


You still seem to be thinking about SS as something it isn't.
by feh
Fri May 27, 2016 7:52 am
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 202
Views: 26987

Re: guaranteed 5% vs stocks?

I have yet to receive any one of my cards so far in less than two weeks (3 netspends, and I am waiting now for my first Brinks). Then figure another couple of working days to get test deposits processed after activating your account and then a day or so to deposit money, assuming it is ready to go....

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