Search found 64 matches

by benway
Sun Aug 04, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: How can I get a good room when I check into a hotel I booked online?
Replies: 30
Views: 3267

Re: How can I get a good room when I check into a hotel I booked online?

I book online and put my needs in the comments. Then, I almost always have success calling the hotel the day of or one day prior to arrival and asking nicely for the type of room I’d like. Make sure you dial the hotel directly and don’t get diverted to the national reservation desk. Most of the tim...
by benway
Sat Aug 03, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: How can I get a good room when I check into a hotel I booked online?
Replies: 30
Views: 3267

Re: How can I get a good room when I check into a hotel I booked online?

I book online and put my needs in the comments. Then, I almost always have success calling the hotel the day of or one day prior to arrival and asking nicely for the type of room I’d like. Make sure you dial the hotel directly and don’t get diverted to the national reservation desk.
by benway
Tue Jul 09, 2019 1:51 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Expands Their Index Fund Lineup
Replies: 70
Views: 10667

Re: Fidelity Expands Their Index Fund Lineup

Here's a link to the SEC filing for these funds. You'll need to scroll to find the funds or use Ctrl+F to search the page for the fund name: https://www.sec.gov/Archives/edgar/data/35315/000119312519096538/d928702d485apos.htm The small cap value fund shows total operating expenses of .05% and follow...
by benway
Wed Jun 19, 2019 7:48 pm
Forum: Investing - Theory, News & General
Topic: SCV tilt advocates, please suggest a percentage for me to use in a backtest
Replies: 31
Views: 2098

Re: SCV tilt advocates, please suggest a percentage for me to use in a backtest

Back in 2016, Larry Swedroe wrote that the large majority of his clients have roughly a .3 value and size loading- https://www.bogleheads.org/forum/viewtopic.php?f=10&t=193537&start=50 According to Portfolio Visualizer, the following ETF combination gives a .3 size and value loading. IVV (S&P 500): ...
by benway
Wed Mar 20, 2019 8:17 pm
Forum: Personal Consumer Issues
Topic: Cell Phone Case and Screen Protector?
Replies: 5
Views: 423

Re: Cell Phone Case and Screen Protector?

Can’t comment on screen protectors but I just bought a new case. I ended up with an Otterbox Symmetry. I found the quality was much better than others I looked at. You can check them out at Best Buy if you want to see before you purchase. I am very pleased.
by benway
Mon Mar 18, 2019 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1.5 million house?
Replies: 125
Views: 9589

Re: Can I afford a $1.5 million house?

Yes, you can. The question in my mind is should you and only you can answer that question.
by benway
Sat Mar 09, 2019 6:38 am
Forum: Investing - Theory, News & General
Topic: Do you have 1 or 2 numbers for expenses in retirement?
Replies: 59
Views: 4662

Re: Do you have 1 or 2 numbers for expenses in retirement?

I've tracked our expenses. Non-discretionary spending is approximately two-thirds of total spending. It was valuable for me to see what it would take for me to get by without the extras if I ever need to.
by benway
Tue Jan 15, 2019 7:55 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 19331

Re: Are You Dumping Netflix?

I was thinking about this today. They seem to be really focused on improving and delivering more quality content so I’m inclined to continue at a higher price. I think it’s a good value for our household.
by benway
Tue Jan 15, 2019 7:48 pm
Forum: Personal Consumer Issues
Topic: Gillette Mach 3 alternatives
Replies: 81
Views: 8740

Re: Gillette Mach 3 alternatives

Hi, I have used Gillette Mach 3 (disposable) and Sensor Excel for many years, but now want to transition off of them. Is there any other good quality alternative in the US market with a pivoting Head that adjusts to the contours of the face. 2 to 3 blades are enough for me. I’ve been using Schick H...
by benway
Sat Jan 12, 2019 11:28 pm
Forum: Personal Investments
Topic: Fidelity problems and what is substantially similar
Replies: 24
Views: 3392

Re: Fidelity problems and what is substantially similar

Thank you for your reply. One can look at it from different angles, and the fact is we don’t know which is the correct way. VTI and VOO have an 83% composition overlap by weight. Is that low enough? Some are comfortable with that and others not. See- https://www.barrons.com/articles/tax-strategies-f...
by benway
Sat Jan 12, 2019 9:00 pm
Forum: Personal Investments
Topic: Fidelity problems and what is substantially similar
Replies: 24
Views: 3392

Re: Fidelity problems and what is substantially similar

According to portfoliovisualizer.com, the total US funds have a 1.0 correlation and the total international funds have a .99 correlation. By that measure, they seem substantially identical. Read the hundreds of discussions about "substantially identical" here on the forum - I think you'll find you'...
by benway
Sat Jan 12, 2019 8:04 pm
Forum: Personal Investments
Topic: Fidelity problems and what is substantially similar
Replies: 24
Views: 3392

Re: Fidelity problems and what is substantially similar

According to portfoliovisualizer.com, the total US funds have a 1.0 correlation and the total international funds have a .99 correlation. By that measure, they seem substantially identical.
by benway
Sun Dec 30, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 no beneficiary option
Replies: 41
Views: 9348

Re: Capital One 360 no beneficiary option

Not sure if this has been reported elsewhere but Capital One 360 now offers the ability to designate beneficiaries via their web interface in addition to a printed form you can mail. I just added beneficiaries via the web. You must add them for each individual account you hold. Here's the link with ...
by benway
Thu Dec 27, 2018 8:26 pm
Forum: Personal Investments
Topic: Fidelity Small-cap value fund
Replies: 29
Views: 3154

Re: Fidelity Small-cap value fund

Can you access iShares ETFs through your brokerage window? If so, there is iShares S&P Small-Cap 600 Value ETF (IJS). I myself would not pay 0.91% for a SCV fund. No, IJS is not available. I just saw a very new response to a similar thread here, saying that Vanguard small-cap-value fund (VSIAX) is ...
by benway
Thu Sep 13, 2018 7:36 pm
Forum: Personal Investments
Topic: Lower Return Decade Says Jack: Thoughts?
Replies: 81
Views: 7070

Re: Lower Return Decade Says Jack: Thoughts?

Just read Jack Bogle's book (edited in 2017) and was a little discouraged about his comments that we should all expect lower returns in the next decade. For a 60/40 balanced fund it could be as low as 6% and even 4% in some circumstances. Am I misreading? Because if not, Id rather be in CDs and tak...
by benway
Thu Sep 13, 2018 7:30 pm
Forum: Personal Investments
Topic: Small cap tilt
Replies: 87
Views: 7803

Re: Small cap tilt

I do not. However, I have thought about it and researched it.
by benway
Sat Sep 08, 2018 7:27 am
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 157
Views: 24406

Re: Fidelity Full View transition to eMoney

I received the following communication upon logging into my Fidelity account this morning. Although I did make my complaint about Full View known, the message was not addressed to me specifically and may have been sent to all users-- We are diligently working to address customer concerns related to ...
by benway
Tue Aug 28, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 13417

Re: How do you 7 figure guys organize multiple accounts?

I use Google Sheets and have a data page that I simply download and cut and paste the number of shares owned into. I have an additional tab where I pivot the data into totals and asset class allocation percentages. I also use formulas in an auto-updating TVM calculator based on my real expected retu...
by benway
Tue Aug 28, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: Your Best Mood Boosting Books (not self-help)
Replies: 29
Views: 2621

Re: Your Best Mood Boosting Books (not self-help)

Thank you, everyone, for your excellent suggestions. I’ve already checked a few of these out of the library and I’m off to a great start. Much appreciated!
by benway
Sun Aug 26, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Your Best Mood Boosting Books (not self-help)
Replies: 29
Views: 2621

Your Best Mood Boosting Books (not self-help)

I’m looking for recommendations for mood-boosting books. They can be fiction, poetry or non-fiction. My preference is for books that made you feel good rather than those that “changed your life” or any self-help books. What are some of the best books you’ve read that you found to be uplifting and wh...
by benway
Tue Aug 21, 2018 7:40 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 157
Views: 24406

Re: Fidelity Full View transition to eMoney

i was a yodlee moneycenter user, and migrated to fidelity when they shut it down. Not looking forward to re-adding all my accounts in yet another product. FWIW, I'm not flogging it for anyone else, but it appears to me that Yodlee rebranded the Account Consolidation product as Money or Envestnet ("...
by benway
Tue Apr 03, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Cell account hacked
Replies: 22
Views: 4078

Re: Cell account hacked

I read about this in the news recently and setting up “port validation” is being recommended by cell providers to protect against this.

https://www.nbcnews.com/business/consum ... nt-n859986
by benway
Fri Feb 23, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Review ettiquette
Replies: 24
Views: 2598

Re: Review ettiquette

Meets expectations. No question in my mind. How and if you document it in review is mgr. decision but meets expectations rqting would be my call.
by benway
Fri Feb 23, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: What books changed your outlook on how you should invest?
Replies: 54
Views: 5698

Re: What books changed your outlook on how you should invest?

Not a book, but the WSJ article Taylor references in this thread:

Dr. Bernstein, How to Tell if Your Retirement Nest Egg is Big Enough
viewtopic.php?t=198079
by benway
Fri Feb 23, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads: What are you doing to prepare for dementia/alzheimers?
Replies: 60
Views: 7178

Re: Bogleheads: What are you doing to prepare for dementia/alzheimers?

My dad has this, so unfortunately, I know it well. Luckily my mom and dad saved well; they have over 1mm in the bank and investments. Damn good thing, too, because his mental care home is eating up 9k a month... I'm not doing anything special. I mean, how can you prepare to be in a head-on car cras...
by benway
Tue Feb 13, 2018 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Should I claim chapter 7 bankruptcy? debt 110k
Replies: 64
Views: 8424

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

Stock investor, I’m not going to pass judgement on you. I don’t know you, your background, circumstances, health, family situation or much of anything else. The facts are you made a very risky bet for reasons only you can answer, it didn’t pay off and now you need to weigh the best choices for you g...
by benway
Wed Feb 07, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Getting Rid of Ants in the House?
Replies: 46
Views: 4136

Re: Getting Rid of Ants in the House?

Had this problem years ago with small ants in food areas. Pest control company placed mint jelly mixed with boric acid inside the kitchen electricsl recepticals. Problem was solved.
by benway
Wed Feb 07, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4204
Views: 1213007

Re: What Book Are You Currently Reading? Part VI

Medina, Brain Rules: 12 Principles for Surviving and Thriving at Work, Home, and School

A very well researched investigation into our brain- an exploration into the science behind exercise, sleep, wiring, attention, memory and other areas and how they are related to brain health and functioning.
by benway
Sun Feb 04, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 18519

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

Update, for what it’s worth. I had disabled auto renew, but then re-enabled it. It took me to a page to enter a cred it card number and shows my renewal date as 2/5/2023. I also received an email with invoice for $0 for the five years and an another confirmation email stating my renewal date is 2/4/...
by benway
Sun Feb 04, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 18519

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

Interesting, on my account page, under purchases it says service ends in 1 year. Also, please note that there is no "download" link (unlike my older purchases, which have them). This suggests this may not be easily transferable to a new computer. You'll want to save the setup program. Also, backup ...
by benway
Sun Feb 04, 2018 9:17 am
Forum: Personal Investments
Topic: Going from 80/20 to 50/50-Help me pick a fund
Replies: 16
Views: 2648

Re: Going from 80/20 to 50/50-Help me pick a fund

All great suggestions so far. It sounds as though you want to maintain a one fund approach, which is a fine choice and keeps things very simple. Not sure if you have other options for the individual funds that make up the target funds. I’m about your age, early retirement not too far off and my appr...
by benway
Wed Nov 15, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 142
Views: 16175

Re: Do you meditate?

There are many smartphone apps that help with guided meditation and are good for "beginners". I really like them, and they tend to make meditation easier. I tried Headspace (mentioned here), but wasn't very impressed with it - and, it is costly. However, new meditation apps seem to appear often. On...
by benway
Wed Aug 15, 2012 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One Cash vs. Fidelity Amex Rewards
Replies: 43
Views: 39398

Re: Capital One Cash vs. Fidelity Amex Rewards

I have the Fidelity AMEX. I use it for business and AMEX Blue Cash for personal. Very rarely do I need to use my VISA or Mastercard but I carry just in case. Since I have a Fidelity brokerage account, every time I reach 5000 points, $50 gets automatically deposited into my brokerage and then I inves...
by benway
Mon May 14, 2012 6:26 pm
Forum: Personal Consumer Issues
Topic: Hair clippers? Any self-barbers out there?
Replies: 42
Views: 7591

Re: Hair clippers? Any self-barbers out there?

I use a Whal. Bought at Walmart 8 years ago. Must have saved a boatload of money doing it myself, once every 3-4 weeks.
by benway
Fri Mar 23, 2012 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: About a college scholarship
Replies: 7
Views: 787

About a college scholarship

I'm on the fence about how to handle a college scholarship. Daughter will be starting college in the fall and has applied and been accepted to several fine state schools, all of which offer the program she is interested in (right now). It's down to two universities and she hasn't settled on one yet....
by benway
Fri Mar 23, 2012 6:16 pm
Forum: Personal Investments
Topic: Your asset allocation, and why?
Replies: 46
Views: 6170

Re: Your asset allocation, and why?

I have a 50/50 portfolio. I was 70/30 and found I didn't have the stomach for it. When I got back to pre-crash levels, I dialed back the risk but will still meet my goal. That was before stumbling on Bogleheads and thinking about true need to take risk. Coincidentally, I just found an article on the...
by benway
Fri Mar 23, 2012 5:54 pm
Forum: Personal Consumer Issues
Topic: Does anyone use a wireless internet radio?
Replies: 17
Views: 2334

Re: Does anyone use a wireless internet radio?

I also have a Grace that I purchased about 3/4 years ago. No problems with connection. Have you checked for a firmware update in the settings menu?
by benway
Tue Mar 06, 2012 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance
Replies: 46
Views: 9694

Re: Umbrella insurance

$1M policy with Amica. $173
by benway
Sun Feb 12, 2012 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: The meat and potatoes of my spreadsheet
Replies: 4
Views: 1433

Re: The meat and potatoes of my spreadsheet

I like your steps...sounds like you are on a great path! Keep it up! By the way, have found ING to be a very convenient way to save for specific goals- can easily open up additional accounts and earmark them for certain things. I've never found it necessary to track things in a spreadsheet outside o...
by benway
Sun Feb 12, 2012 2:31 pm
Forum: Personal Investments
Topic: Fidelity Advantage Class Question
Replies: 3
Views: 719

Re: Fidelity Advantage Class Question

My experience with Fidelity recently would suggest that you will have to pay the STT fee UNLESS, as part of your plan's changes, they are mapping over and moving investor class shares to advantage class at some point. In that case, I do not believe the STT fee will apply.
by benway
Sat Feb 11, 2012 12:03 pm
Forum: Personal Investments
Topic: Age-based College Savings Portfolio
Replies: 5
Views: 752

Age-based College Savings Portfolio

I began to invest years ago in an age-based college savings plan portfolio for one of my children. The current allocation of that portfolio is 40% stocks and 60% bonds. First year of college will be fall 2015- just 3 1/2 years from now. It will change to 25% stocks in Jan. 2015 and 100% bonds in Jan...
by benway
Sat Feb 11, 2012 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Insurance cancelled
Replies: 34
Views: 3162

Re: Insurance cancelled

Had State Farm for many years. I liked the company fine but my rates were slowly going up (had no claims history) so I decided to get some comparison quotes and found SF was significantly higher for bundle of home, auto, and umbrella. When I confronted them they still wouldn't lower my rate so I swi...
by benway
Fri Feb 10, 2012 8:04 am
Forum: Personal Investments
Topic: How have the BOGLEHEADS helped you?
Replies: 67
Views: 6458

Re: How have the BOGLEHEADS helped you?

One key idea I've learned has been to think of my asset allocation across all investment accounts, taking advantage of the lowest cost funds within each rather than treating each account as its own individual mix to match my allocation targets. This will save me at least $2,000 per year in fees goin...
by benway
Fri Feb 10, 2012 7:51 am
Forum: Investing - Theory, News & General
Topic: Post your asset allocation here:
Replies: 136
Views: 15035

Re: Post your asset allocation here:

I feel like I'm suffering from a case of asset-class envy. :roll:

Age: 45
Stock/Bond Ratio: 50:50
Domestic/Intl. Ratio: 60:40

Domestic
TSM: 67%
SCV: 33%

International
Total Intl: 67%
Intl. SC: 33%

Bonds
Total Bond Market: 67%
TIPS: 33%
by benway
Thu Feb 09, 2012 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Calculating Business Mileage
Replies: 7
Views: 1068

Re: Calculating Business Mileage

pshonore has given you a reliable source. If your residence is your principal place of business under IRC section 280A(c)(1), then all of your mileage from your house to other work locations is deductible, regardless of distance and regardless of whether or not you actually claim the home office de...
by benway
Wed Feb 08, 2012 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating Business Mileage
Replies: 7
Views: 1068

Re: Calculating Business Mileage

Thank you all. I read pub. 17 and was left scratching my head wondering what the IRS's definition of a metropolitan area is!
by benway
Wed Feb 08, 2012 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating Business Mileage
Replies: 7
Views: 1068

Calculating Business Mileage

Greetings--

Looking for information about what constitutes business mileage.

Does anyone have knowledge of this or can point me to a reliable source?

Many thanks
by benway
Wed Feb 08, 2012 7:21 am
Forum: Personal Investments
Topic: Share class change email from Fidelity
Replies: 9
Views: 1552

Re: Share class change email from Fidelity

I received the notification from my employer plan as well. My only available Fidelity fund is FSTMX (.10), so they must be going to the less expensive FSTVS (.07). In my spouse's plan, they recently changed from FUSEX (.10) to FUSVX (.07) and offered Brokerage Link for the first time.
by benway
Fri Jan 27, 2012 11:45 am
Forum: Personal Investments
Topic: Risk & Core Bond Funds
Replies: 8
Views: 1257

Re: Risk & Core Bond Funds

Thanks all! VERY helfpul. One follow-up question and then I will let this rest. Given that durations are roughly equivalent, would PTTRX and FIBIX react in any substantially different way to future rate hikes (given their different compositions)?