Search found 733 matches

by fortfun
Thu Jun 14, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Google voice in Europe
Replies: 5
Views: 270

Re: Google voice in Europe

Thanks everyone!
by fortfun
Thu Jun 14, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Google voice in Europe
Replies: 5
Views: 270

Google voice in Europe

I know that Google voice will not ring my phone in Europe. However, does anyone know if I can still get messages directly at the Google voice site? My guess is yes but wanted to see if anyone has actual experience.
by fortfun
Sun Jun 10, 2018 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Why not use Fidelity High Income Fund SPHIX?
Replies: 14
Views: 1491

Re: Why not use Fidelity High Income Fund SPHIX?

I know it has high fees (.72) and past performance is no guarantee for the future performance but with most of the other bonds in the tank, isn't it worth considering? 3.35% 4.79% 4.56% 7.01% I have a small allocation to this fund. A decade ago you would have lost about 30% in one year - make sure ...
by fortfun
Sun Jun 10, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Tv mount with no studs
Replies: 20
Views: 1863

Re: Tv mount with no studs

Hi all! Me again. Hoping to mount a 50 inch tv but I don't have any studs in my basement. It is drywall with concrete block behind it. Anyone ever done this? I'm looking to DIY unless there was an affordable way of a pro doing it. I'm wanting the tv to be able to swivel not just be forward facing. ...
by fortfun
Sun Jun 10, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Tv mount with no studs
Replies: 20
Views: 1863

Re: Tv mount with no studs

Hi all! Me again. Hoping to mount a 50 inch tv but I don't have any studs in my basement. It is drywall with concrete block behind it. Anyone ever done this? I'm looking to DIY unless there was an affordable way of a pro doing it. I'm wanting the tv to be able to swivel not just be forward facing. ...
by fortfun
Sun Jun 10, 2018 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Why not use Fidelity High Income Fund SPHIX?
Replies: 14
Views: 1491

Re: Why not use Fidelity High Income Fund SPHIX?

Thanks Retiredjg! Having 30% of our porfolio in (FSITX) Fidelity U.S. Bond Index Fund Premium Class (0.05%) is killing me. I have no risk CDs earning 1.75%. How is it "killing you"? The 30 day SEC yield is just over 3%. Your question was "why not use SPHIX"....the answer is because it does not act ...
by fortfun
Sun Jun 10, 2018 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Why not use Fidelity High Income Fund SPHIX?
Replies: 14
Views: 1491

Re: Why not use Fidelity High Income Fund SPHIX?

Thanks Retiredjg! Having 30% of our porfolio in (FSITX) Fidelity U.S. Bond Index Fund Premium Class (0.05%) is killing me. I have no risk CDs earning 1.75%. I'm holding FSITX in my IRA, and am happy with it. Sure, it has shown a loss in NAV YTD, but so has just about the entire investment-grade bon...
by fortfun
Sun Jun 10, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Best banks for checking accounts?
Replies: 33
Views: 3205

Re: Best banks for checking accounts?

Ally is my primary checking/online savings. Currently, 1.6% interest rate. Good interface and customer service. I keep a secondary account at Schwab for International travel and local banking. If schwab had a better interest rate, I might move everything there. Their website says checking is 0.1% f...
by fortfun
Sat Jun 09, 2018 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Best banks for checking accounts?
Replies: 33
Views: 3205

Re: Best banks for checking accounts?

Ally is my primary checking/online savings. Currently, 1.6% interest rate. Good interface and customer service. I keep a secondary account at Schwab for International travel and local banking. If schwab had a better interest rate, I might move everything there.
by fortfun
Sat Jun 09, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Why not use Fidelity High Income Fund SPHIX?
Replies: 14
Views: 1491

Re: Why not use Fidelity High Income Fund SPHIX?

This appears to me to be a "junk bond". Junk bonds act more like stocks and less like bonds during the bad times. It took a pretty good dip in the last market downturn - did not offer the portfolio stability that a bond allocation is supposed to offer. I don't think it hurts much to have a small sl...
by fortfun
Sat Jun 09, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Why not use Fidelity High Income Fund SPHIX?
Replies: 14
Views: 1491

Re: Why not use Fidelity High Income Fund SPHIX?

I know it has high fees (.72) and past performance is no guarantee for the future performance but with most of the other bonds in the tank, isn't it worth considering? 3.35% 4.79% 4.56% 7.01% In searching the forum, I see they are considered "junk" bonds that are considered as risky as the stock ma...
by fortfun
Sat Jun 09, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Why not use Fidelity High Income Fund SPHIX?
Replies: 14
Views: 1491

Why not use Fidelity High Income Fund SPHIX?

I know it has high fees (.72) and past performance is no guarantee for the future performance but with most of the other bonds in the tank, isn't it worth considering?

3.35% 4.79% 4.56% 7.01%
by fortfun
Sat Jun 09, 2018 3:48 pm
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 141
Views: 20135

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

CnC wrote:
Sat Jun 09, 2018 11:31 am
Why buy bonds when CD's are beating or at least very near bnd returns? I just can not understand why locking in such a low yield is a good idea?


If interested rates go up you lose even more.
I guess because CDs are not available in most 401k, 403b, etc. Correct?
by fortfun
Wed Jun 06, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Can you invest in CDs thru Fidelity 403b? I don't think so.
Replies: 2
Views: 156

Re: Can you invest in CDs thru Fidelity 403b? I don't think so.

Bond prices should be expected to fluctuate over periods of time by modest amounts. This is completely normal and no reason to change one's chosen asset allocation. If a temporary 2% loss in fund value (I doubt you have actually lost anywhere near 2% on your initial investment) causes you anxiety, ...
by fortfun
Wed Jun 06, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Can you invest in CDs thru Fidelity 403b? I don't think so.
Replies: 2
Views: 156

Can you invest in CDs thru Fidelity 403b? I don't think so.

We are re-balancing/re-allocating our AA. Our AA is 30% bonds. We have it in Fidelity FSITX (US bonds). The -2% return is killing me. Is there some other conservative option to use instead? Here are my choices: https://docs.google.com/spreadsheets/u/1/d/e/2PACX-1vRj_Co1udgR3ZxgYUt_OEzJErCwgytmsXWiUh...
by fortfun
Tue Jun 05, 2018 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Charles Schwab Fees Brokerage Account
Replies: 7
Views: 683

Re: Charles Schwab Fees Brokerage Account

There is no monthly charge, but they do require you to keep $1k in the brokerage account. They'll eventually complain if you don't, or so I've heard. Schwab has a good selection of commission free ETFs, so you really shouldn't be paying for trades. Thanks whodidn'tante. I guess I just transfer it o...
by fortfun
Tue Jun 05, 2018 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: Charles Schwab Fees Brokerage Account
Replies: 7
Views: 683

Charles Schwab Fees Brokerage Account

I opened up a CS checking account for the international ATM fees. CS gave me $100 for opening the account. Just for fun, I bought an ETF of US Large and Small cap. Is there some sort of monthly charge for this brokerage account? I don't want to open the account and find out that the free $100 has co...
by fortfun
Sun Jun 03, 2018 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Getting started with Non-retirement account
Replies: 15
Views: 1058

Re: Getting started with Non-retirement account

I think most on this forum will suggest putting the bonds into the 401k and the stocks into after tax. I think international stocks have the best tax advantage in after tax. There's a nice illustration on this in the Boglehead wiki.
by fortfun
Sun Jun 03, 2018 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Alternative to Citibank low interest money market account
Replies: 9
Views: 592

Re: Alternative to Citibank low interest money market account

My vote goes to Ally. Currently 1.6% (insured, I believe) and very liquid (if you need that). I've found the phone app and service to be wonderful. The initial account set up is a pain. Lots of hoops to jump through....
by fortfun
Sun Jun 03, 2018 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting App (Non-US specific)
Replies: 4
Views: 399

Re: Budgeting App (Non-US specific)

Hello fellow BH, Having recently discovered budgeting, I've been searching for an app or spreadsheet that I can use for my household budget. I've been using the free trial of YNAB for 3 weeks, but haven't found it particularly suited for my needs. I have looked at a few other apps like Mint and Per...
by fortfun
Sun Jun 03, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: GEICO MBI on my Subaru just doubled
Replies: 2
Views: 569

Re: GEICO MBI on my Subaru just doubled

Alexa9 wrote:
Sun Jun 03, 2018 9:20 pm
I would skip MBI and put the savings in a car fund.
+1. A four year old car shouldn't need many/any repairs. My two Toyotas are going on 10 years with zero repairs.
by fortfun
Wed May 30, 2018 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Pueblo, CO area places to live
Replies: 12
Views: 1382

Re: Pueblo, CO area places to live

I'd probably pick old town Colorado Springs (Near Colorado College) or Manitou Springs area.
by fortfun
Fri May 25, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: Which tickets would you buy in advance (Europe)?
Replies: 20
Views: 1176

Re: Which tickets would you buy in advance (Europe)?

Will be in Europe this summer. Which activity/tour/museum tickets would you purchase/recommend in advance? Also, City Passes worth it in any of these cities? London Rhine River (Bacharach) Munich Venice Rome Cinque Terre/Pisa Swiss Alps (Lauderbraunen) Paris Travelling to Rome next week - have boug...
by fortfun
Fri May 25, 2018 11:06 pm
Forum: Personal Consumer Issues
Topic: Which tickets would you buy in advance (Europe)?
Replies: 20
Views: 1176

Re: Which tickets would you buy in advance (Europe)?

Don't know about buying tickets, but I do recommend you check museum schedules ahead of time. DW and I were in Paris last year, just so happened the only full day we had in Paris was the day of the week that most museums were closed. :oops: Yes. The Louvre was strangely slow the day we showed up. L...
by fortfun
Fri May 25, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: Which tickets would you buy in advance (Europe)?
Replies: 20
Views: 1176

Re: Which tickets would you buy in advance (Europe)?

Will be in Europe this summer. Which activity/tour/museum tickets would you purchase/recommend in advance? Also, City Passes worth it in any of these cities? London Rhine River (Bacharach) Munich Venice Rome Cinque Terre/Pisa Swiss Alps (Lauderbraunen) Paris Travelling to Rome next week - have boug...
by fortfun
Fri May 25, 2018 10:57 pm
Forum: Investing - Theory, News & General
Topic: I'm an indexer... but...
Replies: 37
Views: 4370

Re: I'm an indexer... but...

I've always been a Boglehead 3 fund style investor, have never swayed with 8 years of investing. I often preach indexing and the 3 fund portfolio. However a friend recently brought up the fund PRGFX, which is the T. Row Price Growth Stock. - https://finance.yahoo.com/quote/PRGFX/performance?p=PRGFX...
by fortfun
Fri May 25, 2018 10:09 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 103
Views: 7666

Re: US T bills - first time user

Thanks Livesoft. Why did they return 8% back in the day that Your Money or Your Life was written? What happened to them? The rate of inflation was crushed since then. In her updated version of Your Life or Your Money, Robin recommends Index funds instead of t-bills. Will index funds go the way of t...
by fortfun
Fri May 25, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: Which tickets would you buy in advance (Europe)?
Replies: 20
Views: 1176

Re: Which tickets would you buy in advance (Europe)?

We found the Roma Pass to a good value in Rome during a three night stay. Access to major sites and some public transportation. ~Big Dutch +1 Even if you do not do Roma pass, if you want to do tours Colosseum,(+ underground/belvedere) tours are really good and sell out. Getting tickets early helps ...
by fortfun
Fri May 25, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: Which tickets would you buy in advance (Europe)?
Replies: 20
Views: 1176

Re: Which tickets would you buy in advance (Europe)?

You mean LauTerbrunnen. Usually there is not a big problem getting a hotel in the Alps in the summer. However Lauterbrunnen is pretty small. It doesn't hurt to get a good hotel lined up in advance. Darn! Hopefully, I'll know how to spell everything when I return. We have a nice hostel in Lauterbrun...
by fortfun
Fri May 25, 2018 10:02 pm
Forum: Personal Consumer Issues
Topic: Which tickets would you buy in advance (Europe)?
Replies: 20
Views: 1176

Re: Which tickets would you buy in advance (Europe)?

Will be in Europe this summer. Which activity/tour/museum tickets would you purchase/recommend in advance? Also, City Passes worth it in any of these cities? London Rhine River (Bacharach) Munich Venice Rome Cinque Terre/Pisa Swiss Alps (Lauderbraunen) Paris That is a lot. Be sure to check on the d...
by fortfun
Fri May 25, 2018 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Qualified distribution tricks?
Replies: 2
Views: 490

Re: Qualified distribution tricks?

The only way I know to rollover funds from a 403(b) is to leave the company or turn 59.5 or become disabled or go on active duty as a Reservist or die (per IRS rules). Would your employer have another 403(b) that you could roll into? I don't know if that would be allowed, but if the employer discon...
by fortfun
Fri May 25, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Which tickets would you buy in advance (Europe)?
Replies: 20
Views: 1176

Re: Which tickets would you buy in advance (Europe)?

Big Dutch wrote:
Fri May 25, 2018 1:49 pm
We found the Roma Pass to a good value in Rome during a three night stay. Access to major sites and some public transportation.

~Big Dutch
Thanks Big.
by fortfun
Fri May 25, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Which tickets would you buy in advance (Europe)?
Replies: 20
Views: 1176

Re: Which tickets would you buy in advance (Europe)?

Glockenspiel wrote:
Fri May 25, 2018 1:23 pm
Vatican Museum, Scavi tour under St. Peter's Basilica (do this immediately, sells out early), Borghese Gallery, Tour Eiffel, The Louvre.

In Paris, the City Pass was worth it, but we stayed for 4 days. If your timeframe isn't very long, might not be worth it.
Thanks Glock!
by fortfun
Fri May 25, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Which tickets would you buy in advance (Europe)?
Replies: 20
Views: 1176

Which tickets would you buy in advance (Europe)?

Will be in Europe this summer. Which activity/tour/museum tickets would you purchase/recommend in advance? Also, City Passes worth it in any of these cities?

London
Rhine River (Bacharach)
Munich
Venice
Rome
Cinque Terre/Pisa
Swiss Alps (Lauderbraunen)
Paris
by fortfun
Fri May 25, 2018 10:21 am
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 103
Views: 7666

Re: US T bills - first time user

What is the expected return on T-bills? The expected return is shown in the Yield-to-Maturity (YTM), so about 1.92% annualized. A 3-month bill would get one-fourth of that because 3 months is one-fourth of 12 months which is a year. At 1.92% why bother? Online banks are beating that now. It's state...
by fortfun
Thu May 24, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: auto insurance quotes
Replies: 7
Views: 713

Re: auto insurance quotes

OK. I tried Progressive but they won't give me a quote unless I unfreeze my credit report for all 3 agencies (my wife and I). Being a BH, I don't want to spend the $60 to unfreeze all 3 for my wife and I unless it is worth it. Is Progressive that much cheaper? I have been with Geico for 16 years bu...
by fortfun
Thu May 24, 2018 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Eaton Vance?
Replies: 3
Views: 619

Re: Eaton Vance?

Why do costs matter? Investment costs might not seem like a big deal, but they add up, compounding along with your investment returns. In other words, you don't just lose the tiny amount of fees you pay—you also lose all the growth that money might have had for years into the future. Imagine you hav...
by fortfun
Thu May 24, 2018 9:32 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 103
Views: 7666

Re: US T bills - first time user

Thanks Livesoft. Why did they return 8% back in the day that Your Money or Your Life was written? What happened to them? The rate of inflation was crushed since then. In her updated version of Your Life or Your Money, Robin recommends Index funds instead of t-bills. Will index funds go the way of t...
by fortfun
Thu May 24, 2018 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Qualified distribution tricks?
Replies: 2
Views: 490

Qualified distribution tricks?

I've got some money stuck in an old Oppenhiemer 403b plan. Their fees are terrible. My employer (same one) has a good 401k that I could roll them over into. The 401k will accept them and my employer supports it. However, at the time I started with Oppenhiemer, my employer was only a pseudo sponsor o...
by fortfun
Thu May 24, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Free to freeze and unfreeze your credit report
Replies: 13
Views: 2041

Re: Free to freeze and unfreeze your credit report

Here's the official source: S.2155 - 115th Congress (2017-2018): Economic Growth, Regulatory Relief, and Consumer Protection Act | Congress.gov | Library of Congress Latest action: 05/24/2018 Became Public Law No: 115-174. TITLE III--PROTECTIONS FOR VETERANS, CONSUMERS, AND HOMEOWNERS (Sec. 301) Th...
by fortfun
Thu May 24, 2018 9:12 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 103
Views: 7666

Re: US T bills - first time user

livesoft wrote:
Thu May 24, 2018 4:00 pm
fortfun wrote:
Thu May 24, 2018 3:50 pm
What is the expected return on T-bills?
The expected return is shown in the Yield-to-Maturity (YTM), so about 1.92% annualized. A 3-month bill would get one-fourth of that because 3 months is one-fourth of 12 months which is a year.
At 1.92% why bother? Online banks are beating that now.
by fortfun
Thu May 24, 2018 9:11 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 103
Views: 7666

Re: US T bills - first time user

What is the expected return on T-bills? The expected return is shown in the Yield-to-Maturity (YTM), so about 1.92% annualized. A 3-month bill would get one-fourth of that because 3 months is one-fourth of 12 months which is a year. Thanks Livesoft. Why did they return 8% back in the day that Your ...
by fortfun
Thu May 24, 2018 3:50 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 103
Views: 7666

Re: US T bills - first time user

What is the expected return on T-bills?
by fortfun
Thu May 24, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Tile roof, natural cooling, solar electric
Replies: 16
Views: 1351

Re: Tile roof, natural cooling, solar electric

This site says maxitile is guaranteed for 50 years. If your roof is only 20 years old, you have another 30years left. I would NOT replace your tiles just to get the 30% tax break on solar panels. I'd just keep doing what you are doing (100 a month is great) and not worry about the panels at all. Yo...
by fortfun
Wed May 23, 2018 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Tile roof, natural cooling, solar electric
Replies: 16
Views: 1351

Re: Tile roof, natural cooling, solar electric

We bought a new house recently. Last September. We live in San Diego and moved 2-3 miles inland. Despite moving inland, our new house stays significantly cooler than our old house. Even on those late Autumn 100 degree days, we rarely turned on the AC. In our old house, we would have turned on the A...
by fortfun
Wed May 23, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Tile roof, natural cooling, solar electric
Replies: 16
Views: 1351

Re: Tile roof, natural cooling, solar electric

This site says maxitile is guaranteed for 50 years. If your roof is only 20 years old, you have another 30years left. I would NOT replace your tiles just to get the 30% tax break on solar panels. I'd just keep doing what you are doing (100 a month is great) and not worry about the panels at all. You...
by fortfun
Wed May 23, 2018 9:11 am
Forum: Investing - Theory, News & General
Topic: Typical interest rate earned by target date funds in retirement?
Replies: 28
Views: 2028

Re: Typical interest rate earned by target date funds in retirement?

Bear in mind that during those 40 years, the value of your 4% will easily be halved by inflation. Perhaps your expenses will decrease, although with healthcare, I wouldn't count on it. I've been reading on this topic quite a bit, and the 4% "rule" for a 30 year retirement actually allows for inflat...
by fortfun
Wed May 23, 2018 9:11 am
Forum: Investing - Theory, News & General
Topic: Typical interest rate earned by target date funds in retirement?
Replies: 28
Views: 2028

Re: Typical interest rate earned by target date funds in retirement?

Please read the wiki on safe withdrawal rates for a basic understanding of the topic. https://www.bogleheads.org/wiki/Safe_withdrawal_rates Another great set of articles from Early Retirement Now: https://earlyretirementnow.com/2016/12/07/the-ultimate-guide-to-safe-withdrawal-rates-part-1-intro/ Th...
by fortfun
Wed May 23, 2018 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Using savings to cash flow a 457 question. Bad idea?
Replies: 5
Views: 535

Re: Using savings to cash flow a 457 question. Bad idea?

If you have more cash than you need (your call on "need") for an emergency fund, then "converting" the cash to tax-advantaged accounts (your choice of traditional or Roth - whichever seems better) with good investment options makes sense. Thanks FiveK. It still makes sense if it will take approx. 1...
by fortfun
Tue May 22, 2018 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Using savings to cash flow a 457 question. Bad idea?
Replies: 5
Views: 535

Using savings to cash flow a 457 question. Bad idea?

Earlier today, I asked if using savings to cash flow a Roth IRA was a bad idea (next 2 years). The consensus seemed to be invest the savings NOW! What would people say about using savings to cash flow a 457 for the remainder of this year and first six months of next year? If it makes any difference,...