Search found 1618 matches

by FelixTheCat
Fri Aug 16, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity and CDs
Replies: 6
Views: 661

Re: Fidelity and CDs

Brokered CDs have settlement dates.
by FelixTheCat
Thu Aug 15, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Brown Bag Lunch Ideas
Replies: 70
Views: 4168

Re: Brown Bag Lunch Ideas

Meal prep. Chicken, Turkey and Fish. Vegetables. Some Fruits. For example, I cooked two chicken breasts and vegetables for lunch today.

Think nutritiously dense foods.
by FelixTheCat
Wed Aug 14, 2019 1:26 pm
Forum: Personal Investments
Topic: what to buy in this market
Replies: 15
Views: 1692

Re: what to buy in this market

Marijuana stocks? This way you won't care about anyone tweeting. :D

Just stick to your Asset Allocation and ignore the market noise.
by FelixTheCat
Mon Aug 12, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Ideas for Little Charges to keep Cards active
Replies: 87
Views: 4430

Re: Ideas for Little Charges to keep Cards active

I primarily use one credit and pay it off immediately. My secondary card is use to pay the Netflix bill to keep the card active.
by FelixTheCat
Wed Aug 07, 2019 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage final payment
Replies: 27
Views: 2794

Re: Mortgage final payment

There will be a final interest calculation. Go to the bank, ask how much to pay it off and transfer the funds.
by FelixTheCat
Wed Aug 07, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Largest spending category - is this an outrageous amount?
Replies: 56
Views: 3593

Re: Largest spending category - is this an outrageous amount?

Get YNAB https://www.youneedabudget.com/ to budget and track expenses. You can define your spending buckets to any level you desire.
by FelixTheCat
Wed Aug 07, 2019 12:52 pm
Forum: Personal Investments
Topic: Vanguard customer service
Replies: 44
Views: 2209

Re: Vanguard Customer Service Recently

I must be Vanguard's favorite. I've always received excellent customer service.
by FelixTheCat
Mon Aug 05, 2019 2:15 pm
Forum: Personal Investments
Topic: Fired Investment Advisor -- Need Help!
Replies: 8
Views: 1028

Re: Fired Investment Advisor -- Need Help!

Here are my current positions: VNQ.....VANGUARD IX FUN/RL EST IX FD ETF.....Alternatives.....Real Estate.....US Real Estate AGG.....iShares Barclays Aggregate Bond Fund.....Bonds.....US Bonds.....Blend FLRN....SPDR S TR/BLOOMBERG BARCLAYS.....Bonds.....US Bonds.....Floating Rate ISTB.....ISHARES TR...
by FelixTheCat
Fri Aug 02, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: "Earth First" Brand Toilet Paper @ Costco
Replies: 24
Views: 1639

Re: "Earth First" Brand Toilet Paper @ Costco

BolderBoy wrote:
Fri Aug 02, 2019 3:36 pm
A friend sent a shaming email saying the Canadian forests are being plundered to make Kirkland Brand TP.
Do Canadians use bidets to protect their forests?
by FelixTheCat
Wed Jul 31, 2019 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Burned the mortgage. Change the insurance?
Replies: 27
Views: 1964

Re: Burned the mortgage. Change the insurance?

About 15 years ago, I met a man that had a paid off home. He didn't have insurance (I forgot the reason) and the California wild fires took his house.

Make sure you have adequate insurance.
by FelixTheCat
Wed Jul 31, 2019 5:19 pm
Forum: Personal Investments
Topic: Stop myself from making bad trades
Replies: 35
Views: 2465

Re: Stop myself from making bad trades

I don't know why people call it a "fun account" to lose money. That is the opposite of fun to me. Why does it have to lose money? My "fun account" is the portfolio Bogle suggested. Here's an article https://www.npr.org/2015/10/17/436993646/three-investment-gurus-share-their-model-portfolios Vanguar...
by FelixTheCat
Wed Jul 31, 2019 2:41 pm
Forum: Personal Investments
Topic: Stop myself from making bad trades
Replies: 35
Views: 2465

Re: Stop myself from making bad trades

Hi, my name is Felix and I make bad trades too. I understand the mindset of messing around with an account. I read on BH regarding whether to invest in international OR which bond funds to use. What about REITS, TIPS or individual stocks? What IF I did...blah blah blah. 98% of the time I set and for...
by FelixTheCat
Tue Jul 30, 2019 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Job bankruptcy & Health Insurance
Replies: 4
Views: 505

Re: Job bankruptcy & Health Insurance

I would start investigating purchasing your own policy in case the employer insurance falls through. Start with https://www.healthcare.gov/ Look at your hospital group to see if they sell insurance.
by FelixTheCat
Fri Jul 26, 2019 3:45 pm
Forum: Investing - Theory, News & General
Topic: One bad decision - examples?
Replies: 67
Views: 6772

Re: One bad decision - examples?

Lost 50% of assets in one day plus 14 years of penalty payments. Married the wrong person. :oops:
by FelixTheCat
Fri Jul 26, 2019 1:11 pm
Forum: Personal Investments
Topic: International Bond Fund - yes or no?
Replies: 61
Views: 4543

Re: International Bond Fund - yes or no?

I own International Bond for the same reason I own International Stock ~ Diversification.
by FelixTheCat
Thu Jul 25, 2019 6:14 pm
Forum: Personal Investments
Topic: Donor Advised Fund: Asset Allocation
Replies: 13
Views: 805

Re: Donor Advised Fund: Asset Allocation

I funded my DAF for five years. I set up my grants and forgot about them. I read an article where most people don't donate to charities during difficult economic times. I didn't want my DAF to suddenly run out of money during a severe down market so I went 50/50 Total Stock/Total Bond. To me it's bo...
by FelixTheCat
Thu Jul 25, 2019 6:03 pm
Forum: Personal Investments
Topic: Adding Solo Roth 401(k) for side hustle?
Replies: 13
Views: 849

Re: Adding Solo Roth 401(k) for side hustle?

Vanguard Individual Roth 401k https://investor.vanguard.com/small-bus ... -solo-401k

It's very easy to set up.
by FelixTheCat
Fri Jul 19, 2019 5:35 pm
Forum: Personal Investments
Topic: If you had $1M to invest what would you do?
Replies: 26
Views: 3035

Re: If you had $1M to invest what would you do?

Put it all in S&P 500 and get back to work. ~ Buffett
by FelixTheCat
Fri Jul 19, 2019 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Natl. Trust Co. - Important Information
Replies: 62
Views: 5130

Re: Vanguard Natl. Trust Co. - Important Information

I-Bonds are a Treasury Direct product. I would think Vanguard (Mutual Fund company) would hold only products they could put into their brokerage account.
by FelixTheCat
Thu Jul 18, 2019 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Value of Roth in Divorce (vs Tax-def'd acct)
Replies: 5
Views: 617

Re: Help with Value of Roth in Divorce (vs Tax-def'd acct)

The difference between the Roth's is roughly 73K out of 1.4M. I understand what you are saying because I've been there. I would drop it because the argument just feeds the attorneys.
by FelixTheCat
Wed Jul 17, 2019 2:20 pm
Forum: Personal Investments
Topic: asset allocation anxiety
Replies: 29
Views: 2322

Re: asset allocation anxiety

Think 2009. How would you feel with 40% less during retirement?
by FelixTheCat
Fri Jul 12, 2019 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: A good name for a donor advised fund
Replies: 25
Views: 1478

Re: A good name for a donor advised fund

I spoke with a Fidelity Charitable rep about the same thing. Her favorite DAF name is "Better You Than The IRS".
by FelixTheCat
Fri Jul 12, 2019 2:47 pm
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 471
Views: 58611

Re: Your USER NAME...what does it mean?

geniekid wrote:
Thu Jul 11, 2019 2:43 pm
FelixTheCat wrote:
Thu Jul 11, 2019 1:47 pm
I'm a cat that invests my human's money.
Does that mean a tilt towards tuna stocks?
Puh-lease. Mahi mahi for this kitty.
by FelixTheCat
Thu Jul 11, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: anyone here use BillPay?
Replies: 22
Views: 1281

Re: anyone here use BillPay?

I have Fidelity's BillPay. EFTs are logged the day they are sent out. Checks are marked as Processing until the recipient cashes the check.

Maybe it's time for you to switch. :happy
by FelixTheCat
Thu Jul 11, 2019 1:47 pm
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 471
Views: 58611

Re: Your USER NAME...what does it mean?

I'm a cat that invests my human's money.
by FelixTheCat
Thu Jul 11, 2019 12:08 pm
Forum: Personal Investments
Topic: Not happy with one FA allocation: PBRIX
Replies: 37
Views: 2068

Re: Not happy with one FA allocation: PBRIX

RetiredMike1 wrote:
Wed Jul 10, 2019 7:27 pm
Federated Prudent Bear Institutional, (PBRIX) has a crazy high ER, 3.27%.
I had to look it up. This is the highest expense ratio I have seen to date.

Welcome to the Bogleheads. Let's start your financial education with https://www.bogleheads.org/wiki/Getting_started
by FelixTheCat
Thu Jul 11, 2019 12:01 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation of the Ultra-Wealthy, can I copy their portfolio with index funds?
Replies: 63
Views: 5071

Re: Asset Allocation of the Ultra-Wealthy, can I copy their portfolio with index funds?

Richest investor I know suggests you invest your money in 1) S&P 500 and 2) Short term government bonds. Guess who?
by FelixTheCat
Wed Jul 10, 2019 2:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1409
Views: 137901

Re: S&P 500 hit 3,000 today

Oh... goodness... please don't say that number out loud without first saying the magic chant! When did we change to magic chant? I thought we were supposed to do the dancing bear! https://media1.tenor.com/images/ded5f8698df8ccec3fe3a0823d086460/tenor.gif [Embedded animated GIF removed by moderator ...
by FelixTheCat
Wed Jul 10, 2019 1:57 pm
Forum: Personal Investments
Topic: Finding an adviser to pay for advice
Replies: 16
Views: 1546

Re: Finding an adviser to pay for advice

Is there a reason why the FA makes things so complicated? One broad based fund like Vanguard Total Stock Market index fund could replace most of your sector specific funds.
by FelixTheCat
Wed Jul 10, 2019 12:55 pm
Forum: Personal Investments
Topic: How to avoid industries I do not want to invest in?
Replies: 55
Views: 3961

Re: How to avoid industries I do not want to invest in?

How about focusing on the positive? Establish a Donor Advised Fund and make grants to charities you believe in.
by FelixTheCat
Tue Jul 09, 2019 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce and pension/401k/IRA split
Replies: 31
Views: 2662

Re: Divorce and pension/401k/IRA split

7) Knowing this, and because she feels guilty for having an affair and leaving me high and dry financially, she says she doesn't want child support or even 50/50 split of retirement. Really? She would have both primary custody AND not get child support from you? Hard to believe!! No, she wouldn't h...
by FelixTheCat
Tue Jul 09, 2019 12:43 pm
Forum: Personal Investments
Topic: 34yo, baby on way, leaving expensive financial advisor... Please Help!
Replies: 27
Views: 2633

Re: 34yo, baby on way, leaving expensive financial advisor... Please Help!

Take a look at Tax Loss Harvesting https://www.bogleheads.org/wiki/Tax_loss_harvesting You have $7,269 in losses that can offset some capital gains for 2019. Here's the three fund portfolio https://www.bogleheads.org/wiki/Three-fund_portfolio Make sure your portfolio is tax efficient https://www.bog...
by FelixTheCat
Tue Jul 09, 2019 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance - Cautionary Tale
Replies: 22
Views: 2266

Re: Umbrella Insurance - Cautionary Tale

An insurance agent posted a thread mentioning you should max out every aspect of your car insurance. Umbrella policy is an excellent idea too.
by FelixTheCat
Fri Jun 28, 2019 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard intentionally delaying fund transfer to Fidelity DAF?
Replies: 18
Views: 1538

Re: Vanguard intentionally delaying fund transfer to Fidelity DAF?

Move your DAF to the institution that has your money. It is very easy to contribute to my Fidelity DAF from my Fidelity Brokerage account.
by FelixTheCat
Fri Jun 28, 2019 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Managing Debt - Tracking & Analysis
Replies: 18
Views: 1391

Re: Managing Debt - Tracking & Analysis

Checking, savings and credit cards are tracked through YNAB https://www.youneedabudget.com/ I can govern my day-to-day expenses and debt with ease on my cell phone.
by FelixTheCat
Fri Jun 28, 2019 12:36 pm
Forum: Investing - Theory, News & General
Topic: What do you hold in your IRA and Why?
Replies: 48
Views: 3512

Re: What do you hold in your IRA and Why?

Traditional IRA ~ Total Bond Market Index. Safety and don't want to pay the government on interest.
Roth IRA ~ Total Stock Market Index. Growth and don't want to pay the government on dividends.
by FelixTheCat
Fri Jun 28, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Landlords - assessing amount security deposit to return?
Replies: 50
Views: 3563

Re: Landlords - assessing amount security deposit to return?

I don't charge for normal wear and tear. Fixing up my property is my responsibility.

I do charge a tenant if they knowingly caused damage. For example, I had a tenant that violated our written agreement to water the lawn. That tenant paid for a new lawn.
by FelixTheCat
Thu Jun 27, 2019 2:15 pm
Forum: Personal Consumer Issues
Topic: Website design help
Replies: 22
Views: 1259

Re: Website design help

Build your own website using WordPress. Costs for a template (site layout) is not that much. You simply need to add photos and text. When you get your layout done, you upload it to a hosted server for a small fee each month.

The only time consuming thing is the learning curve.
by FelixTheCat
Mon Jun 24, 2019 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant identity theft issue on lease
Replies: 40
Views: 4196

Re: Tenant identity theft issue on lease

Will daughter be liable for outstanding rent (and possible credit impact)? I would go to court stating the signed document is valid for both mother and daughter. Let the daughter explain to the judge about her signature. The judge will determine if the daughter's signature is valid or what to do fo...
by FelixTheCat
Mon Jun 24, 2019 1:01 pm
Forum: Investing - Theory, News & General
Topic: Defined Contribution Pension vs 401K?
Replies: 6
Views: 685

Defined Contribution Pension vs 401K?

I have been reading a lot about pensions. A percentage of my friends have worked less time and retiring early and they all claim it's because of their pension. To me a pension and 401K are very similar. You and your employer contribute a certain amount to the pension/401K over a period of time. I de...
by FelixTheCat
Thu Jun 20, 2019 5:49 pm
Forum: Personal Investments
Topic: Anyone using M1 financial?
Replies: 9
Views: 939

Re: Anyone using M1 financial?

donaldfair71 wrote:
Thu Jun 20, 2019 5:33 pm
Things I love:
- partial shares
- free transactions
- Vanguard/iShare availability
It looks like every Vanguard ETF is on M1.
by FelixTheCat
Thu Jun 20, 2019 5:35 pm
Forum: Personal Investments
Topic: Anyone using M1 financial?
Replies: 9
Views: 939

Re: Anyone using M1 financial?

I have M1 for my entertainment account. I picked BRK.B and added a few slices of stocks I use every day. https://m1.finance/w2y0g8enh

I like the app so far.
by FelixTheCat
Wed Jun 19, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: Life after COBRA - selecting new health insurance
Replies: 37
Views: 3243

Re: Life after COBRA - selecting new health insurance

I checked ACA and I don't qualify for subsidies. I found out that high paid people (no subsidies) pay for the subsidies. For example, my silver care plan was $150 a month more from ACA then it costs directly from my hospital group. Check to see if your local hospital group provides health care plans...
by FelixTheCat
Wed Jun 19, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: how do you manage your cash flow in retirement
Replies: 28
Views: 3538

Re: how do you manage your cash flow in retirement

I have all my taxable account dividends go to my checking account Is all of your taxable account in stock mutual funds? The reason I ask is I am having mental difficulty taking dividends from Total Stock Index after running the "reinvesting dividends" scenario through Portfolio Visualizer. There is...
by FelixTheCat
Wed Jun 19, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: how do you manage your cash flow in retirement
Replies: 28
Views: 3538

Re: how do you manage your cash flow in retirement

I did the Fidelity as a One Stop Shop.
by FelixTheCat
Wed Jun 19, 2019 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy went up 166%
Replies: 34
Views: 3549

Re: Umbrella policy went up 166%

I pay $591 for 3M at State Farm.
by FelixTheCat
Tue Jun 18, 2019 4:04 pm
Forum: Personal Investments
Topic: Windfall Advice/Portfolio Review
Replies: 11
Views: 854

Re: Windfall Advice/Portfolio Review

It was an inheritance. I recommend the same thing for anyone receiving an inheritance. Inheritances are considered separate property in Texas. I suggest you open an account in your name only and fund it with your inheritance. You can invest/spend the money any way you prefer. There's no nice way of...