Search found 1293 matches

by F150HD
Sat Feb 24, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Need help selecting 403b funds
Replies: 8
Views: 196

Re: Need help selecting 403b funds

In my experience, one should read carefully when using Fidelity Target Date funds. Some are index based, some are not. To me at least, it was confusing when I first ran across this.

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by F150HD
Sat Feb 24, 2018 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Need help selecting 403b funds
Replies: 8
Views: 196

Re: Need help selecting 403b funds

FID 500 INDEX INST (FXSIX) 02/17/1988 FID EXT MKT IDX PR (FSEVX) 11/05/1997 FID TOT INTL IDX PR (FTIPX) 06/07/2016 FID US BOND IDX PR (FSITX) 03/08/1990 These will do (some don't do international , have read it on this board multiple times.) 80% FXSIX and 20% FSEVX ratio gives you a 'total market' ...
by F150HD
Sat Feb 24, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Defining "House Poor"
Replies: 125
Views: 5607

Re: Defining "House Poor"

I've seen this come up several times recently on the boards and it has me scratching my head. What do you think is the BH definition of house poor? How about your own definition? with the new standard deduction next year (which is now law, its not proposed law) it'll make my mortgage interest worth...
by F150HD
Sat Feb 24, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Roof Shingle Recommendations
Replies: 20
Views: 961

Re: Roof Shingle Recommendations

I'm in the process of getting a new roof and was wondering if anyone could recommend the best shingles. I have estimates from companies that use Owens Corning TruDefinition Duration, GAF Timberline Architectural, and Certainteed Landmark. All are rated to 130 mph and each company seems competent as...
by F150HD
Wed Feb 21, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Importing 1099 data into H&R Block if you use a password manager?
Replies: 9
Views: 605

Re: Importing 1099 data into H&R Block if you use a password manager?

I did it, and don't personally have concerns about it. My expectation (which of course I have not confirmed) is that it was only used locally by my copy of the program to grab the data and then discarded. And the actual password was only required for one of my accounts anyway (which currently has n...
by F150HD
Wed Feb 21, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Importing 1099 data into H&R Block if you use a password manager?
Replies: 9
Views: 605

Re: Importing 1099 data into H&R Block if you use a password manager?

Am wondering if there are security risks in doing this? and if one should change all account passwords after doing the import. I always do 1099 data manually. It really takes very little time and no worries about spreading around your account passwords. JW Thanks. Though for multiple 1099s it can b...
by F150HD
Wed Feb 21, 2018 9:22 pm
Forum: Forum Issues and Administration
Topic: Blank line doubling
Replies: 30
Views: 2421

Re: Blank line doubling

odd, this happened to me yesterday (the only time), I wasn't sure what was up.
by F150HD
Mon Feb 19, 2018 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 51
Views: 4389

Re: Will REIT funds ever see another drawdown like 2008?

My own 2 cents are that a) REIT funds own a lot of retail/ shopping malls. Retail is in secular decline, and it is perceived by the market as being in secular decline. b) Interest rates are gonna go up These 2 factors to me say, no thank you. not the least bit true from my research. I own 2 and eac...
by F150HD
Mon Feb 19, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: Importing 1099 data into H&R Block if you use a password manager?
Replies: 9
Views: 605

Importing 1099 data into H&R Block if you use a password manager?

H&R Block tax software Anyone run into this? did you copy/paste your password from your password manager into H&R Block tax software to import 1099 info from respective brokerages? (still need to check it once its imported but....) Am wondering if there are security risks in doing this? and if one s...
by F150HD
Sun Feb 18, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: Any Creative Ways to Cut the Cable?
Replies: 49
Views: 4123

Re: Any Creative Ways to Cut the Cable?

bob60014 wrote:
Thu Feb 15, 2018 6:11 pm
Common question each week. In advance search, type in Cutting Cable and also select Personal Consumer Issues. There are 25 pages of information related to this.
+1
by F150HD
Sun Feb 18, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 9430

Re: Single People and Retirement Question

mouses wrote:
Sun Feb 18, 2018 3:46 pm
Also, single older men can do things single older women can't, like travel to areas where the latter are not safe.
you mean like Walmart late at night? :P
by F150HD
Sun Feb 18, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 59
Views: 5803

Re: Amazon Alternative

I try avoid Amazon like the plague. First of all, my own personal solution to almost any shopping question is that I don’t need it. But if I actually do need it, lately, I find myself ordering electronics at Best Buy or sometimes Staples and having items delivered to a nearby store for pick up. I p...
by F150HD
Sun Feb 18, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 59
Views: 5803

Re: Amazon Alternative

I used EBay recently for several items would have bought on Amazon, but were much cheaper on EBay (15-25%) and free shipping as well (I don't have Prime). Haven't used Jet yet, but may start looking closer at it. I've received multiple "used" items from Ebay when they were supposed to be new. Many ...
by F150HD
Fri Feb 16, 2018 6:46 am
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 11171

Re: Did you learn anything from the market correction?

I am wondering what the next phase of the market cycle is.

Considering we've had multiple corrections in the past X years (prior post in this thread), when (according to historical trends) is a 'recession' and larger pullback expected here?
by F150HD
Tue Feb 13, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Should I claim chapter 7 bankruptcy? debt 110k
Replies: 64
Views: 6476

Re: Should I claim chapter 7 bankruptcy? debt 110k

JGoneRiding wrote:
Tue Feb 13, 2018 6:09 pm
I want to give the OP kudos for at least claiming responsibility for the action that led to huge loss.
unclear how losing $110,000, not paying it back and filing bankruptcy is 'claiming responsibility', more like avoiding responsibility?
by F150HD
Mon Feb 12, 2018 7:23 pm
Forum: Investing - Theory, News & General
Topic: Random conversations regarding money
Replies: 44
Views: 4593

Re: Random conversations regarding money

"I keep my gold bars in the house." You should have said "So, where do you live?" :D I knew a guy whose entire retirement was 2 gold bars he got from somewhere (deceased parent? can't recall) He talked about them openly to people. Dunno why :confused Sure enough someone broke in and stole them few ...
by F150HD
Sun Feb 11, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Average Cost to SpecID questions: Did Vanguard do this correctly?
Replies: 52
Views: 1712

Re: Average Cost to SpecID questions: Did Vanguard do this correctly?

where do you actually do this at on the Vanguard site? I've been searching the site for 30 mins and do not see where or how to accomplish this? I'd like to do it for taxable and tax deferred (in the event I want to sell off some shares that have a 'gain' to fulfill a RMD) Won't matter for tax-advan...
by F150HD
Sun Feb 11, 2018 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Are REITs essentially taboo for years now with rising rates?
Replies: 55
Views: 5255

Re: Are REITs essentially taboo for years now with rising rates?

And....from that same article.... In the past, there have been episodes of declines in REIT share prices during transition points in monetary policy that were followed by a rebound, as the higher earnings trend of REITs began to outweigh the effects of higher interest rates. ....would be nice to see...
by F150HD
Sun Feb 11, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Average Cost to SpecID questions: Did Vanguard do this correctly?
Replies: 52
Views: 1712

Re: Average Cost to SpecID questions: Did Vanguard do this correctly?

Hi all, I recently switched my Vanguard taxable account from AvgCost to SpecID where do you actually do this at on the Vanguard site? I've been searching the site for 30 mins and do not see where or how to accomplish this? I'd like to do it for taxable and tax deferred (in the event I want to sell ...
by F150HD
Sun Feb 11, 2018 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Are REITs essentially taboo for years now with rising rates?
Replies: 55
Views: 5255

Re: Are REITs essentially taboo for years now with rising rates?

Ran across this....

Historically, research shows that REITs have tended to outperform the S&P 500 in periods of rising interest rates.

https://www.reit.com/investing/reits-and-interest-rates
by F150HD
Sat Feb 10, 2018 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Dropping comprehensive/collision auto insurance - implications with rentals?
Replies: 23
Views: 1230

Re: Dropping comprehensive/collision auto insurance - implications with rentals?

I currently have two vehicles, one is relatively new and the other is a beater. I am considering dropping the comprehensive/collision on the beater (keeping liability of course) but was wondering what implications that has whenever I need a rental vehicle for trips, etc... I want to make sure that ...
by F150HD
Sat Feb 10, 2018 10:04 am
Forum: Investing - Help with Personal Investments
Topic: From EJ to Vanguard to Schwab
Replies: 21
Views: 1984

Re: From EJ to Vanguard to Schwab

FWIW....for items like this, I'll call 2-3 times and ask the same questions to multiple people. If the answers are all the same, thats a good sign. I have a Schwab acct too but not terribly fond of their site at all. At Schwab excess $$ in ones account is not automatically put into a sweep fund of a...
by F150HD
Sat Feb 10, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 246
Views: 60859

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

This is fairly simple, from a purely financial/legal standpoint, but not easy. It clearly isn't that simple! :happy read back thru 5 pages of posts! Quick update: If you can believe it, it's been more than a full year since I discovered the financial indiscretions, to put it mildly, of my BIL and w...
by F150HD
Sat Feb 10, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.45%
Replies: 72
Views: 8165

Re: Ally online savings now at 1.45%

I see this:

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by F150HD
Fri Feb 09, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: savings bonds as gifts? thru Treasury Direct
Replies: 4
Views: 387

savings bonds as gifts? thru Treasury Direct

Looking for input or someones experience on giving savings bonds as gifts thru Treasury Direct. https://www.treasurydirect.gov/indiv/planning/plan_gifts.htm Looking at giving $100 here or there to young nieces/nephews etc (they don't have accounts YET, I know they need one to receive the $$) Wonderi...
by F150HD
Wed Feb 07, 2018 6:03 am
Forum: Investing - Help with Personal Investments
Topic: Inheritance, Schwab, Vanguard, Confusion.
Replies: 10
Views: 1127

Re: Inheritance, Schwab, Vanguard, Confusion.

I inherited some money that was transferred in-kind and is currently spread out across about 20 different funds held in accounts at both Vanguard and Schwab. could leave $$ at both and put into respective funds. Maybe easier first step (?) Schwab: SCHB and SCHZ Vanguard, clearly VTI and BND (or mut...
by F150HD
Tue Feb 06, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: Laughter is the Best Medicine - What makes you Laugh?
Replies: 105
Views: 5629

Re: Laughter is the Best Medicine - What makes you Laugh?

unclear what this thread has to do with personal consumer finanace
by F150HD
Sun Feb 04, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: "Bitcoin is my potential pension"
Replies: 54
Views: 7875

Re: "Bitcoin is my potential pension"

he was with his fourth employer in a decade, and the pay, about $90,000 per year, left him feeling stuck in place. So 90k is poverty in America... It entirely depends upon where you live, I think. $90k in New York or San Francisco is scraping to get by. There are low cost of living places in the US...
by F150HD
Sun Feb 04, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: "Bitcoin is my potential pension"
Replies: 54
Views: 7875

Re: "Bitcoin is my potential pension"

he was with his fourth employer in a decade, and the pay, about $90,000 per year, left him feeling stuck in place.

So 90k is poverty in America...
by F150HD
Sun Feb 04, 2018 12:40 am
Forum: Investing - Theory, News & General
Topic: Amazon Stock - Can this giant be stopped?
Replies: 66
Views: 4038

Re: Amazon Stock - Can this giant be stopped?

These days, I hardly shop at Wal-Mart as their prices are not competitive on many things (even ignoring the general low quality of their products). Not what I've been seeing more and more lately when I do go to Walmart. Walmart seems to be directly competing w/ Amazon by matching their in house pri...
by F150HD
Sat Feb 03, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Cheapest funeral options
Replies: 40
Views: 3063

Re: Cheapest funeral options

Direct cremation, shop strictly by price. I think we paid under $800 for a 2016 pickup and direct cremation, may have included several death certificates. No ceremony and definitely no funeral services/add ons. Ashes distributed privately. We will remember our past relatives in our hearts - family ...
by F150HD
Sat Feb 03, 2018 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale
Replies: 11
Views: 788

Re: Wash Sale

I get the wash sale and invalidating a write-off by repurchasing the identical stock too soon....BUT, what if one sells an equity (or equity fund) for a capital gain , then repurchases that fund within 30 or 60 days....are there any issues w/ that if you're using the sale proceeds to offset the loss...
by F150HD
Sat Jan 27, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: What to do with cash now
Replies: 27
Views: 3523

Re: What to do with cash now

I would park it in CD's if you are worried. Safe and better than nothing. Although bonds are likely a better choice. In a potentially rising interest rate environment....how does that work? seems like there's still risk involved locking up funds for X years in Y CDs as rates rise. Can use shorter d...
by F150HD
Sat Jan 27, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Cash heavy portfolio
Replies: 28
Views: 2549

Re: Cash heavy portfolio

Curious as to how Bogleheads might approach my situation. Here’s a summary of my portfolio: Cash - $2.6mm Brokerage account: $150k (single stock from prior company) Restricted company stock: $900k (pretax) vests over 3 years 401k - $225k (50% in cash, 50% in equities) Other: renting ($2,100/month),...
by F150HD
Sat Jan 27, 2018 9:29 am
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 288
Views: 19745

Re: I bought a stock today - Redfin (RDFN)

almost sounds like you're trying to 'pump up' the value of the stock on public BBs so you can dump it for a profit. Just the way this comes across... I don't know how to respond to that. I plan on holding this for many years. I'm sorry my enthusiasm came over as a sales pitch. That was not my inten...
by F150HD
Sat Jan 27, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Erroneous county water bills
Replies: 11
Views: 728

Re: Erroneous county water bills

I'd seriously call the local news station and see if they were interested in doing a little piece on it. Guessing there are others in your boat. Sounds like a common item I'd see on the news up here. Something sounds corrupt. Also would consider talking to a lawyer. Set up a website explaining the p...
by F150HD
Fri Jan 26, 2018 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 288
Views: 19745

Re: I bought a stock today - Redfin (RDFN)

Honest question: what was so compelling about the price you paid today that made it irresistible for you to devote 20% of your portfolio to RDFN? Do you think people are missing something, or do you think the future prospects are so bright that it is a good deal at almost any price? You mentioned t...
by F150HD
Thu Jan 25, 2018 9:00 pm
Forum: Investing - Theory, News & General
Topic: likely date for a bitcoin crash: does this make sense to you?
Replies: 114
Views: 10128

Re: likely date for a bitcoin crash: does this make sense to you?

:confused Hip-hop star Curtis “50 Cent” Jackson said he completely “forgot” that he accepted bitcoin for one of his albums four years ago, making him the latest millionaire of the cryptocurrency, with a stake reportedly worth more than $7.5 million. In 2014, way before the bitcoin craze hit, Jackson...
by F150HD
Wed Jan 24, 2018 5:36 pm
Forum: Investing - Theory, News & General
Topic: What to do with cash now
Replies: 27
Views: 3523

Re: What to do with cash now

are you 21 years old or 71?
by F150HD
Tue Jan 23, 2018 10:51 am
Forum: Investing - Theory, News & General
Topic: likely date for a bitcoin crash: does this make sense to you?
Replies: 114
Views: 10128

Re: likely date for a bitcoin crash: does this make sense to you?

..... I'm scared to drill down any further for fear of accidentally buying a ticket, but can anyone confirm whether there is any option for paying in any cryptocurrency? Or whether, as appears to be the case, the only payment accepted is in dollars via MasterCard, VISA, AMEX, or Discover. Great poi...
by F150HD
Mon Jan 22, 2018 11:28 pm
Forum: Personal Consumer Issues
Topic: Microsoft [Frustration update to Windows 10]
Replies: 24
Views: 1762

Re: Microsoft [Frustration update to Windows 10]

MidwestMike wrote:
Mon Jan 22, 2018 10:32 pm
The Continue button is missing. The window is as big as it will get and no scroll bars. Nothing is grayed out, zilch!
Post a screen shot.
by F150HD
Mon Jan 22, 2018 11:23 pm
Forum: Personal Consumer Issues
Topic: Cutting cable
Replies: 51
Views: 2667

Re: Cutting cable

Joejoe00 wrote:
Mon Jan 22, 2018 8:13 am
Has anyone tried SLING TV?
have you done a forum search for this? you may want to. more threads on this then Bitcoin if anyone thought that was possible.... :|
by F150HD
Mon Jan 22, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: likely date for a bitcoin crash: does this make sense to you?
Replies: 114
Views: 10128

Re: likely date for a bitcoin crash: does this make sense to you?

Amazon.com offers a 5% discount for any purchase made with Bitcoin.[/i] This is 100% patently false. The amount of gross misinformation surrounding Bitcoin and other cryptos is really disturbing. that is from the article in the post you are responding to which you left out of your reply. https://bi...
by F150HD
Mon Jan 22, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Pros and Cons of High Rise Condos for retired couple
Replies: 47
Views: 5102

Re: Pros and Cons of High Rise Condos for retired couple

San Francisco....video worth watching (and forwarding to them) - 60 Minutes last Fall San Francisco's leaning tower of lawsuits- The Millennium Tower opened to great acclaim with high-priced, posh apartments. But those accolades and property values are sinking, along with the building's foundation :(
by F150HD
Sun Jan 21, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: what is the best mouse poison?
Replies: 45
Views: 2737

Re: what is the best mouse poison?

Thanks for replies. It appears some responding didn't read my initial post that well.

Anyway, saw 2 new things worth trying. I like the 5 gallon bucket lumberjack log idea.
by F150HD
Sun Jan 21, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: what is the best mouse poison?
Replies: 45
Views: 2737

what is the best mouse poison?

what is the BEST mouse poison a consumer can buy? (due to EPA I guess the older DCON pellets are no longer available ) Have tried the refillable DCON bait stations , but the mice seem to eat it and I'm unclear if its working (have several in one area of the house). I see 'green droppings' by some of...
by F150HD
Sun Jan 21, 2018 10:36 am
Forum: Investing - Theory, News & General
Topic: likely date for a bitcoin crash: does this make sense to you?
Replies: 114
Views: 10128

Re: likely date for a bitcoin crash: does this make sense to you?

..... I'm scared to drill down any further for fear of accidentally buying a ticket, but can anyone confirm whether there is any option for paying in any cryptocurrency? Or whether, as appears to be the case, the only payment accepted is in dollars via MasterCard, VISA, AMEX, or Discover. Great poi...