Search found 272 matches

by fujiters
Thu Nov 14, 2019 2:45 pm
Forum: Investing - Theory, News & General
Topic: Wheres best place park emergency funds these days?
Replies: 18
Views: 1946

Re: Wheres best place park emergency funds these days?

Doctor of Credit keeps an updated list of high interest accounts here: https://www.doctorofcredit.com/high-interest-savings-to-get/ I like I bonds. Taxes are deferred on the interest until redemption (up up 30 years). No state taxes. Guaranteed to maintain spending power. Currently yielding 2.22%. Y...
by fujiters
Sun Nov 10, 2019 1:40 pm
Forum: Personal Investments
Topic: Fidelity vs Vanguard vs Schwab vs TD vs Etrade vs Merril
Replies: 32
Views: 1915

Re: Fidelity vs Vanguard vs Schwab vs TD vs Etrade vs Merril

What is the benefit that is of interest to you (both) in the preferred rewards that Fidelity does not provide? I have Fidelity, B of A/ME/preferred platinum and since everyone has gone to commission free trading, I am slowly moving away from B of A/ME - I see no benefit. The improved rate of cash b...
by fujiters
Sun Nov 03, 2019 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: New Job, Depressed, Money issues
Replies: 89
Views: 11647

Re: New Job, Depressed, Money issues

I'm sorry you're going through this. I would not try to take the other job while taking 2 weeks of leave from a job you just started. Having a new guy who is still learning the ropes request 2 weeks off would likely raise suspicions/may just get denied, which would only increase the risk of being fi...
by fujiters
Sun Oct 27, 2019 6:56 am
Forum: Personal Consumer Issues
Topic: Online or software piano lessons
Replies: 18
Views: 1292

Re: Online or software piano lessons

I played around with the app Simply Piano on my iPad to learn piano. You put the tablet on the piano where you would put sheet music, the notes scroll by, and the mic picks up what you are playing and gives feedback. It starts very simply and is pretty well designed to take you from simple to more ...
by fujiters
Sat Oct 26, 2019 2:38 am
Forum: Personal Investments
Topic: Extend Duration from Zero (G Fund) to Intermediate Term (G Fund/LT Treasury ETF)?
Replies: 9
Views: 710

Re: Extend Duration from Zero (G Fund) to Intermediate Term (G Fund/LT Treasury ETF)?

I also think that the term risk you are considering is not worth the additional yield at this time. Just about a year ago, it would have been worth considering, with intermediates yielding more than 3%. Obviously I have no idea which way interest rates will go but there have been fairly large movem...
by fujiters
Wed Oct 23, 2019 1:20 am
Forum: Personal Finance (Not Investing)
Topic: Spending Money - Surprising Low Fun Return
Replies: 58
Views: 6242

Re: Spending Money - Surprising Low Fun Return

I bought the family high end bikes and I am the only one who enjoys riding and I struggle to find time to ride. Went on a little bit of a tool buying spree and I actually like those but dont use them all that often. I did some house upgrades and normal resets pretty quickly. KandT 1) When you reach...
by fujiters
Mon Oct 21, 2019 12:31 pm
Forum: Personal Investments
Topic: Fidelity HSA questions
Replies: 32
Views: 2428

Re: Fidelity HSA questions

I'm not sure of your aversion to debit cards, but this has worked for me. Sometimes the amount gets adjusted. If you are paying at the time of service and it turns out to be an overpayment, getting the money back to the HSA can be a hassle. So it's better to pay by other means, let the dust settle,...
by fujiters
Sun Oct 20, 2019 8:37 am
Forum: Personal Investments
Topic: On the fence with I bond- do you agree with this article?
Replies: 29
Views: 2431

Re: On the fence with I bond- do you agree with this article?

I had an I-bond purchased at Treasury Direct to see what all the fuss was about. I sold it last year. What a compete waste of time and effort. I don't think anyone needs such complications in their lives. For those that have I-bonds I don't think they have redeemed many of them for the full round-t...
by fujiters
Sun Oct 20, 2019 8:25 am
Forum: Personal Investments
Topic: Two HSA Questions
Replies: 16
Views: 1142

Re: Two HSA Questions

Hello - I'm not sure I understand your first question. Contributing to an HSA will reduce your taxable income regardless of whether you have enough deductions to eclipse the standard deduction amount. HSA contributions are not itemized deductions. HSA contributions are deductions from income like 4...
by fujiters
Sat Oct 19, 2019 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Fed w/ non-fed working spouse - HDHP ?
Replies: 14
Views: 1095

Re: Fed w/ non-fed working spouse - HDHP ?

Thanks for all the help! Does my middle ground plan of switching the kids to my wife’s plan so that the only family member with an HDHP make sense? You mean so that you are the only family member on the HDHP? So you would be paying a higher combined premium and only be able to contribute half as mu...
by fujiters
Sat Oct 19, 2019 3:12 pm
Forum: Personal Investments
Topic: On the fence with I bond- do you agree with this article?
Replies: 29
Views: 2431

Re: On the fence with I bond- do you agree with this article?

I just bought my annual limit of I bonds. I'm a few years from early retirement and need to add to my bond allocation. Already maxing out tax advantaged accounts. Have a pension starting in 20 years that won't have COLA, so inflation adjusted bonds are appealing to me since high inflation would hurt...
by fujiters
Sat Oct 19, 2019 12:31 pm
Forum: Personal Consumer Issues
Topic: Any experiences (good/bad) with EasyJet for EU travel?
Replies: 24
Views: 1670

Re: Any experiences (good/bad) with EasyJet for EU travel?

I have flown with both EasyJet and Austrian and have had more pleasant experiences on them than with US airlines. I've only flown 2 round trips with both though, so perhaps my lack of complaint is merely insufficient sample size. All flights on time and no problems with service. Austrian still serve...
by fujiters
Sat Oct 19, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: For those who are FI: At what point did you begin to relax?
Replies: 76
Views: 10183

Re: For those who are FI: At what point did you begin to relax?

What is DI2K? Is this a common acronym that I should know? I googled it and got nothing. Why do so many people use random acronyms, do they not realize that some people do not know what they are supposed to mean? Am I expected to do research to figure out what you are trying to say? Is it so hard t...
by fujiters
Wed Oct 16, 2019 10:18 am
Forum: Personal Investments
Topic: How to handle 5M capital gain (post-IPO)
Replies: 118
Views: 11481

Re: How to handle 5M capital gain (post-IPO)

I just want to echo the recommendations to look into options as a way to hedge to avoid selling it all in one year. See:

https://www.investopedia.com/articles/s ... sition.asp
by fujiters
Wed Oct 16, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Offered 18-Month, 0% interest loan w/2% fee. Should I take the loan and invest or pass on the offer?
Replies: 72
Views: 5252

Re: Offered 18-Month, 0% interest loan w/2% fee. Should I take the loan and invest or pass on the offer?

I don't think it's enough money to bother, but if this sort of thing appeals to you, there are also banks out there offering 0% interest without a transfer free:

https://www.doctorofcredit.com/master-l ... -transfers
by fujiters
Tue Oct 15, 2019 1:58 pm
Forum: Personal Investments
Topic: I-bonds with kids
Replies: 18
Views: 1617

Re: I-bonds with kids

Sounds like a fine plan. Why not also EE bonds for the 3.5% rate over 20 years (due to the doubling at year 20)?
by fujiters
Tue Oct 15, 2019 1:54 pm
Forum: Personal Investments
Topic: I-bonds with kids
Replies: 18
Views: 1617

Re: I-bonds with kids

As co-owners, what's to stop your kids from redeeming them regardless of what you want? Not telling them about Treasury Direct...until they’re 45! Mwahahahahahaha! (Cue lightning bolts and screeching bats) See that is one of my biggest fears. That I die and no one knows that I have a Treasury Direc...
by fujiters
Tue Oct 15, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Help me find some high quality cargo pants.
Replies: 63
Views: 5436

Re: Help me find some high quality cargo pants.

I like Prana cargo pants. I've gone on 100+ mile bike trips in their Zion pants and numerous hikes. This is my recommendation. I have several pair of Prana's Zion pants and they're excellent. I wouldn't wear them in a social setting though...unless you're already married or are not interested in at...
by fujiters
Sun Oct 13, 2019 6:14 am
Forum: Personal Finance (Not Investing)
Topic: quantifying social security benefit from a single year's income
Replies: 3
Views: 593

Re: quantifying social security benefit from a single year's income

It depends on how much you've already paid into SS. If you have less than $360k in social security earnings, every $420 added to your SS earnings will give you $.90 in monthly SS income. Gocurrycracker has an excellent post on just this topic: https://www.gocurrycracker.com/social-security-roi/ He e...
by fujiters
Sun Oct 13, 2019 5:16 am
Forum: Personal Finance (Not Investing)
Topic: Dropping Interest Rates on High-Yield Savings
Replies: 31
Views: 4602

Re: Dropping Interest Rates on High-Yield Savings

Don't be surprised if the fixed rate on I-Bonds changes for the worse in November. Ibonds are paying .50% real. Max them for funds that can wait a year. Don't forget you can get them from your tax refund also. Indeed. Expect it to change for the worse and plan to get your $10k/person/year in by the...
by fujiters
Thu Oct 10, 2019 12:04 am
Forum: Personal Investments
Topic: Savings
Replies: 21
Views: 2102

Re: Savings

I bonds make a lot of sense right now for $10k/person/year (so if you're married, you could get $20k in I bonds for 2019, and buy another $20k in January). 0.5% real return (beats TIPS rates, currently), and interest can be tax deferred until you redeem them (up to 30 years). You can also buy anothe...
by fujiters
Wed Oct 09, 2019 11:42 pm
Forum: Personal Investments
Topic: Bonds - Roth IRA or 401k?
Replies: 9
Views: 658

Re: Bonds - Roth IRA or 401k?

What stock fund(s) are you holding in your 401k, for comparison?
by fujiters
Wed Oct 09, 2019 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawing 401k money penalty free prior to 59 1/2
Replies: 18
Views: 2273

Re: Withdrawing 401k money penalty free prior to 59 1/2

Why would you want to withdraw from your 401k while working? Setting aside the wisdom of drawing down investments, you would also be paying tax at your marginal rate, defeating the purpose of having saved pre-tax. If that is your plan, you are indeed better off saving in taxable since the gains wil...
by fujiters
Sat Oct 05, 2019 4:16 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Open Season: Which HDHP?
Replies: 7
Views: 859

Re: Federal Employee Open Season: Which HDHP?

GEHA also offers "GEHA rewards", which also gets you $150/couple in the form of a prepaid Mastercard which can be used for medical expenses (like excess dental expenses), and another $350/couple which can be used for anything at welldeservedhealth.com (I use mine primarily for sunscreen and multivit...
by fujiters
Thu Oct 03, 2019 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: How does one find dentists who would provide cleaning under GEHA HDHP
Replies: 6
Views: 568

Re: How does one find dentists who would provide cleaning under GEHA HDHP

I currently have GEHA HDHP. I have never had an 'in network' dentist on my various insurance plans because the only dentists local who are considered 'in network' near where I live are all hacks. I have used this same dentist for years and years and simply paid out of pocket. When I switched to GEH...
by fujiters
Wed Oct 02, 2019 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to transfer NZ dollars to US bank.
Replies: 18
Views: 1159

Re: Best way to transfer NZ dollars to US bank.

My son has been working in New Zealand and will be coming back to the US in a few weeks. He is a US citizen. He has about $6000 NZ in an account with the Bank of New Zealand. He was wondering what would be the best way to get the money to his US bank account (Chase). He is wondering if there are be...
by fujiters
Tue Oct 01, 2019 2:37 pm
Forum: Investing - Theory, News & General
Topic: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges
Replies: 106
Views: 10110

Re: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges

Schwab has been trolling existing customers for new money, offering bonuses. I just transferred my SCHB dividend out this morning. Will wait until we pay for our new roof, then transfer money into Schwab and buy something, gaining $200 ($50k investment min). Perfect timing for me! How are you notif...
by fujiters
Thu Sep 19, 2019 7:17 am
Forum: Non-US Investing
Topic: What to Recommend to Interested Friends
Replies: 20
Views: 1253

Re: What to Recommend to Interested Friends

In tax advantaged accounts, a target date fund.
by fujiters
Fri Sep 13, 2019 2:37 am
Forum: Personal Investments
Topic: Leaving Payflex HSA - avoid account closure fee?
Replies: 44
Views: 6523

Re: Leaving Payflex HSA - avoid account closure fee?

I closed a Payflex HSA in 2018. Recently (more than 1.5 years after I closed the HSA) they sent me a letter saying they owe me some extra interest, and asked me to call to confirm my address to receive a check for the extra interest. The extra interest is a nominal amount, under $1. I've just recei...
by fujiters
Sun Sep 08, 2019 10:40 pm
Forum: Personal Investments
Topic: Should I pay off a UK mortgage with the mighty dollar?
Replies: 13
Views: 1403

Re: Should I pay off a UK mortgage with the mighty dollar?

If you have stable income in the local currency then maybe don't pay it off. If you don't have stable income in the local currency, then using the US dollar when it's particularly strong to retire debt in a foreign currency makes a lot of sense to me. I wouldn't ever want the currency risk of earni...
by fujiters
Sat Sep 07, 2019 4:16 am
Forum: Personal Finance (Not Investing)
Topic: Kitces: The Problem with FIREing at 4% and the Need for Flexible Spending Rules
Replies: 274
Views: 21103

Re: Kitces: The Problem with FIREing at 4% and the Need for Flexible Spending Rules

For small time investors, like me, EE and I bonds can hold a significant portion of one's bond holdings ($40k/year in additions for a couple MFJ) and get better rates than are currently offered on marketable treasuries. I bonds are currently offering a 0.5% real return (for purchases before November...
by fujiters
Sat Sep 07, 2019 2:22 am
Forum: Personal Investments
Topic: Should I pay off a UK mortgage with the mighty dollar?
Replies: 13
Views: 1403

Re: Should I pay off a UK mortgage with the mighty dollar?

Am I missing anything here? Income tax on the notional exchange rate gain? You have to admire the savagery of the asymmetry here. https://www.ustaxfs.com/foreign-mortgage-repayment-exchange-rate-gain/ A mortgage for £100,000 is taken out when the exchange rate is £1 to $1.50. A capital payment of £...
by fujiters
Thu Sep 05, 2019 1:56 am
Forum: Investing - Theory, News & General
Topic: Investing education
Replies: 14
Views: 994

Re: Investing education

You could go all-in and become a CFP: https://www.theamericancollege.edu/desi ... egrees/CFP

Not free though.
by fujiters
Wed Sep 04, 2019 2:30 pm
Forum: Investing - Theory, News & General
Topic: Inflation Protected Securities: When to Get in, not How
Replies: 64
Views: 4064

Re: Inflation Protected Securities: When to Get in, not How

With I Bonds yielding .5% real return, I would purchase those for my first $10,000 (or $20,000 if married) and then TIPS above that. The I Bonds are very likely to go down after 10/31; maybe back to 0%. Good to know. I may buy $10k toward the end of September. There may be a rush the end of Sept - ...
by fujiters
Sun Sep 01, 2019 12:23 pm
Forum: Investing - Theory, News & General
Topic: Child tax credit (CTC)
Replies: 4
Views: 415

Re: Child tax credit (CTC)

https://www.irs.gov/publications/p972#en_US_2018_publink100012083 "Exceptions to time lived with you. A child is considered to have lived with you for more than half of 2018 if the child was born or died in 2018 and your home was this child's home for more than half the time he or she was alive. " A...
by fujiters
Sun Sep 01, 2019 12:06 pm
Forum: Personal Investments
Topic: Make my investments as "safe" as possible. Retiring 12/31/2019
Replies: 20
Views: 3246

Re: Make my investments as "safe" as possible. Retiring 12/31/2019

You might want to consider diverting $10k/year into I bonds, and maybe another $10k/year into EE bonds. At present, I bonds are giving a 0.5% real return (above inflation). This is only guaranteed until the fixed rate resets on November 1. The expectation is that it will be lowered, in keeping with ...
by fujiters
Sun Sep 01, 2019 7:53 am
Forum: Investing - Theory, News & General
Topic: Best of Bogleheads - your #1 takeaway
Replies: 151
Views: 15339

Re: Best of Bogleheads - your #1 takeaway

That I should be making traditional 401k/IRA contributions. I hadn't thought about it carefully, and was told "if you're young, use Roth so all the compounded growth will be tax free". Bogleheads pointed out that it's all about your tax rate at contribution time versus your expected tax rate in reti...
by fujiters
Fri Aug 30, 2019 2:27 pm
Forum: Personal Investments
Topic: FIRE Drawdown Plan
Replies: 57
Views: 5668

Re: FIRE Drawdown Plan

I recommend you read through this series on safe withdrawal rates with a focus on early retirement: https://earlyretirementnow.com/2016/12/07/the-ultimate-guide-to-safe-withdrawal-rates-part-1-intro/ In sum, you probably want to aim for a 3-3.5% withdrawal rate for a long term (>30 years) retirement...
by fujiters
Wed Aug 21, 2019 2:47 am
Forum: Investing - Theory, News & General
Topic: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE
Replies: 84
Views: 13633

Re: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE

What is the makeup of your personal portfolio?
by fujiters
Tue Aug 20, 2019 2:03 pm
Forum: Investing - Theory, News & General
Topic: Confused, bummed, and concerned
Replies: 74
Views: 10896

Re: Confused, bummed, and concerned

This is still a big deal as we are at 5.5% since 2000. Another 10 years of 4.5-5% would be the worst 30 year period on record....by far. Some 30 year period will end up being the worst. It might be this one. Even 4.5% beats the pants off the Japanese market over its most recent 30 year period: http...
by fujiters
Fri Aug 16, 2019 4:30 pm
Forum: Personal Investments
Topic: Interest rates low: leverage up?
Replies: 63
Views: 4871

Re: Interest rates low: leverage up?

140% leverage, Kelly criterion. It's coming back to me now. I'm going to take this only as far as I can while having confidence that I'm explaining it correctly. Warning, other Kelly-cognoscenti may come in and discover that I've made glaring blunders--but I think this is a responsible presentation...
by fujiters
Fri Aug 16, 2019 1:21 am
Forum: Personal Investments
Topic: Tax loss harvesting: slice and dice
Replies: 6
Views: 666

Re: Tax loss harvesting: slice and dice

Wiggums wrote:
Thu Aug 15, 2019 6:22 pm
I agree with livesoft. There are so many possibilities.
And if prices keep falling, you can cycle through them as you harvest more losses.

It's nice to have many possibilities!
by fujiters
Fri Aug 16, 2019 1:09 am
Forum: Personal Investments
Topic: Review - 34 yr old
Replies: 18
Views: 3316

Re: Review - 34 yr old

Overall We save about $4k a month between TSP (maxed@$19k) and Vanguard, might drop off a little as two kids go into daycare next year. Am I using the Roth accounts in an efficient way? Does it matter tax-wise for someone like us who will likely have high retirement earnings with TSP+pensions+SocSe...
by fujiters
Fri Aug 16, 2019 12:51 am
Forum: Personal Investments
Topic: Review - 34 yr old
Replies: 18
Views: 3316

Re: Review - 34 yr old

I might lean more towards a ROTH... I'm 55 and looking at Financial Independence (retire) in 3 to 4 years. The bulk of my money is in a Traditional 401K. My pension kicks in at 65. I will have a lot of taxable retirement income - my IRA, my pension, SS. I will be in a high-ish tax bracket. This is ...
by fujiters
Thu Aug 08, 2019 1:52 am
Forum: Personal Investments
Topic: thoughts on international funds
Replies: 67
Views: 4969

Re: thoughts on international funds

Evidence? Instead of that, let's use common sense. Is there any reason to believe international will outperform (BEFORE taxes and expenses) the US total stock market over the period 2020-2200 for a US based investor? Obviously the answer to this question is "yes". Next question? Really? Internation...
by fujiters
Fri Jul 26, 2019 2:22 am
Forum: Personal Finance (Not Investing)
Topic: French bank account for U.S. student
Replies: 12
Views: 1000

Re: French bank account for U.S. student

Why not just use a Transferwise Borderless account? https://transferwise.com/us/borderless/ For ATM withdrawals, a no foreign transaction fee (FTF) ATM card that reimburses ATM fees, like Schwab offers, is also a good option. I use this when I withdraw cash abroad (and also within the US). In most d...
by fujiters
Sat Jul 13, 2019 3:47 am
Forum: Personal Investments
Topic: Inheritance money - all in the market or slowly put in?
Replies: 16
Views: 2668

Re: Inheritance money - all in the market or slowly put in?

OP Didn’t really ask about the issue of keeping funds separate from her spouse. My advice would be this: the conventional Boglehead wisdom, and I think what you would hear from Vanguard, is to invest the money all at once. My advice would be to do that, unless you’re not comfortable doing that, in ...
by fujiters
Sun Jul 07, 2019 5:22 am
Forum: Personal Finance (Not Investing)
Topic: FitnessBank 3% savings with 12,500 daily steps - has anyone heard of them?
Replies: 26
Views: 4292

Re: FitnessBank 3% savings with 12,500 daily steps - has anyone heard of them?

No experience, but I'm intrigued. There doesn't appear to be a limit on the amount you can earn interest on.
by fujiters
Sat Jun 29, 2019 8:43 am
Forum: Personal Investments
Topic: Holding foreign currency for travel
Replies: 11
Views: 684

Re: Holding foreign currency for travel

A sizeable portion of your portfolio (for example at market cap) allocated to international stock will have the desired effect without the low/non-existent return on cash. You will be receiving earnings in multiple currencies, which is beneficial in the case that the dollar falls in value. Part of t...
by fujiters
Thu Jun 20, 2019 1:25 am
Forum: Personal Finance (Not Investing)
Topic: Getting my own Chase Sapphire Reserve or added as authorized user?
Replies: 23
Views: 2082

Re: Getting my own Chase Sapphire Reserve or added as authorized user?

"added as an authorized user on my best friend's account" Your friend is letting you join their credit card? You must really be a good friend. The friend probably thinks the extra points he'll earn outweigh the risk OP won't pay. CSR earns 3 points per dollar back on travel and the points transfer ...