Search found 1960 matches

by CFM300
Sat Sep 26, 2020 7:09 pm
Forum: Personal Investments
Topic: Municipal Bonds in Taxable as Alt to Cash, how to choose which fund?
Replies: 32
Views: 3330

Re: Municipal Bonds in Taxable as Alt to Cash, how to choose which fund?

General questions: 1. Should I be looking at short-term, intermediate-term, or long-term funds? 2. Are state munis worth selecting over national for tax-free on state level? 3. How can I really judge volatility of the fund and what risk I'm willing to except? 4. Are munis just not the way to go her...
by CFM300
Fri Sep 18, 2020 8:25 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9681

Re: Quicken Disaster!

000 wrote: Wed Sep 16, 2020 9:44 am A quick web search seems to indicate Microsoft Money and GnuCash can import Quicken data.
I thought this was a good suggestion. OP, have you tried opening your Quicken file in a different program?
by CFM300
Sat Sep 05, 2020 12:22 pm
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 159
Views: 16851

Re: Older Women Lifting Weights

I can complete two sets in about 20 minutes, which keeps me from being bored. 1. Renegade Row to Frogger - 25 lb. 2. Reverse Lunge and Curl - 25 lb. 3. Dumbbell Squat to Press - 20 lb. 4. High Pull Lateral Lunge - 20 lb. One rep is both the left and right sides. 5. Tricep Extension Swing - 30 lb. G...
by CFM300
Fri Aug 28, 2020 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Can a landlord charge for stain removal on 14 year-old carpet?
Replies: 36
Views: 3502

Re: Can a landlord charge for stain removal on 14 year-old carpet?

$85/24 months = $3.54 per month additional rent

Let it go.
by CFM300
Sun Aug 23, 2020 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Data in the cloud?
Replies: 27
Views: 1376

Re: Data in the cloud?

Conch55 wrote: Sun Aug 23, 2020 9:09 am I use Google Drive and keep important data in a Veracrypt container which I copy to the cloud weekly.
Why not just put the Veracrypt container in your Google Drive folder? That way, every time you update the VC container, it gets synced to the cloud immediately.
by CFM300
Fri Aug 14, 2020 1:32 pm
Forum: Personal Consumer Issues
Topic: Barbells
Replies: 65
Views: 5643

Re: Barbells

Speaking of injuries from deadlifting, I would advise against using a mixed grip -- which leaves a choice between hook grip or double-overhand with straps.

If you're going to use the hook grip, then you'll want a 28 or 28.5 mm bar. If you're going to use straps, it probably doesn't matter.
by CFM300
Thu Aug 13, 2020 1:44 pm
Forum: Personal Consumer Issues
Topic: Products that last forever
Replies: 238
Views: 15611

Re: Products that last forever

Hard to image my barbell, plates, or dumbbells ever wearing out.
by CFM300
Tue Aug 11, 2020 12:50 pm
Forum: Investing - Theory, News & General
Topic: Dan Wiener just shutdown his forum
Replies: 87
Views: 12742

Re: Dan Wiener just shutdown his forum

Yeah, I didn't even know who this guy is, but after a quick glimpse at his website I can't for the life of me understand why a Boglehead would want to pay this guy for "insights." This from the website: Our expert analysts spot hot stocks that are heating up before the crowd swoops in to bid prices...
by CFM300
Tue Aug 11, 2020 10:45 am
Forum: Investing - Theory, News & General
Topic: Dan Wiener just shutdown his forum
Replies: 87
Views: 12742

Re: Dan Wiener just shutdown his forum

Bogle mocked the idea of sector investing and active management. He wrote book after book about just buying total market index funds. What am I missing? Would it surprise you to learn that Bogle created the following portfolio? 45% VG Wellington (active) 45% VG Balanced 05% Emerging Markets (sector...
by CFM300
Sun Aug 09, 2020 5:17 pm
Forum: Personal Consumer Issues
Topic: Honda FIT
Replies: 50
Views: 2574

Re: Honda FIT

HawkeyePierce wrote: Sun Aug 09, 2020 3:34 pm I was already thinking about replacing it [2011 FIT] with a Civic hatchback next year.
I suspect that's why Honda is expiring the Fit in the U.S. Eseentially, it's been replaced by the Civic hatchback. Same with Toyota's Yaris and the Corolla hatchback.
by CFM300
Wed Aug 05, 2020 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: In retirement, a $100 monthly expense needs $30,000 in your portfolio
Replies: 179
Views: 22853

Re: In retirement, a $100 monthly expense needs $30,000 in your portfolio

corn18 wrote: Wed Aug 05, 2020 2:27 pm I get a large bonus and RSUs vest every year at that time. That totals about $200k after taxes each year. That all goes to savings.
Got it. Didn't mean to pry, just found your chart interesting and wanted to understand. Thanks.
by CFM300
Wed Aug 05, 2020 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: In retirement, a $100 monthly expense needs $30,000 in your portfolio
Replies: 179
Views: 22853

Re: In retirement, a $100 monthly expense needs $30,000 in your portfolio

This chart helps me decide whether I should keep working or not. Fat FIRE is my plan as of today. What is the solid blue line -- "Retirement spend" -- and how is it calculated/projected? The blue line is how much I could spend. It is calculated with a giant spreadsheet but is basically the output o...
by CFM300
Wed Aug 05, 2020 11:51 am
Forum: Personal Finance (Not Investing)
Topic: In retirement, a $100 monthly expense needs $30,000 in your portfolio
Replies: 179
Views: 22853

Re: In retirement, a $100 monthly expense needs $30,000 in your portfolio

corn18 wrote: Mon Aug 03, 2020 4:42 pm This chart helps me decide whether I should keep working or not. Fat FIRE is my plan as of today.
What is the solid blue line -- "Retirement spend" -- and how is it calculated/projected?
by CFM300
Wed Aug 05, 2020 1:44 am
Forum: Personal Investments
Topic: Fidelity HSA California strategy
Replies: 31
Views: 3009

Re: Fidelity HSA California strategy

You dont want to create tax lots from a treasury fund (FUAMX) but still buying another treasury fund (FDLXX) whenever those dividends come in. Just wasn't clear why the intermediate step. FDLXX is a money market fund, and the shares have a constant value of $1. So when I buy 100 shares, I pay $100,...
by CFM300
Tue Aug 04, 2020 10:57 am
Forum: Personal Investments
Topic: Fidelity HSA California strategy
Replies: 31
Views: 3009

Re: Fidelity HSA California strategy

Like others, I invest in FUAMX (Fidelity Intermediate Treasury Bond Index Fund). And have dividends and cap gains directed to FDLXX (Fidelity Treasury Only Money Market Fund). I do the latter so that I don't create dozens of tax lots. Why not just reinvest dividends back into Fuamx? HSA's are taxab...
by CFM300
Mon Aug 03, 2020 11:53 am
Forum: Personal Investments
Topic: TIAA Question
Replies: 22
Views: 1646

Re: TIAA Question

Also, there are more varieties of Traditional than have been mentioned in this thread: RA, GRA, RC, SRA, GSRA, RCP. This may be relevant because you mentioned working for five different universities. You'll need to pay attention to the which version of Traditional is being offered, since they have d...
by CFM300
Mon Aug 03, 2020 11:43 am
Forum: Personal Investments
Topic: TIAA Question
Replies: 22
Views: 1646

Re: TIAA Question

I'm far from an expert on TIAA, but I'll take a shot at this. TIAA does claim that when annuitizing Traditional one's payout will be higher the longer the funds have been in Traditional. In other words, your payout will be higher when annuitizing $100,000 worth of Traditional that has accumulated ov...
by CFM300
Sat Aug 01, 2020 6:21 pm
Forum: Personal Investments
Topic: Moved to CA...Just Learned about HSA Tax
Replies: 26
Views: 2122

Re: Moved to CA...Just Learned about HSA Tax

Don't forget the adjustment that needs to be made on your California tax return. Schedule CA, Part I, Section C, line 12 (on the 2019 form).
by CFM300
Wed Jul 29, 2020 8:09 pm
Forum: Personal Consumer Issues
Topic: Middle of Nowhere Retirement
Replies: 108
Views: 12563

Re: Middle of Nowhere Retirement

Virginia Tech is 45 minutes away and has a medical school Va Tech hospital is in Roanoke, not Blacksburg. I was referring to Virginia Tech the school and its med school being in Blacksburg. ... Blacksburg is a “big college town” that is 45 minutes away that is a research university and has a medica...
by CFM300
Mon Jul 06, 2020 12:21 am
Forum: Investing - Theory, News & General
Topic: Simple retirement plan. Crazy idea?
Replies: 49
Views: 5923

Re: Simple retirement plan. Crazy idea?

If an investor wants to use as much of their wealth during their lifetime as possible, leave as much to their heirs as possible, or some combination of the two then the OP’s strategy is the best one. Let's assume the retiree needs $60,000 per year and gets $40,000 from SS. An immediate annuity for ...
by CFM300
Sun Jul 05, 2020 7:37 pm
Forum: Investing - Theory, News & General
Topic: 2 and 3 fund funders - sticking soley with Total Bond?
Replies: 49
Views: 4682

Re: 2 and 3 fund funders - sticking soley with Total Bond?

Big Dog wrote: Sun Jul 05, 2020 11:06 am That decline is what got me to switch into Intermediate Treasuries for more safety.
Yep. I took quite a haircut on Total Bond Market when I rebalanced into Total Stock around March 16th. When I rebalanced back into bonds (after Total Stock gains), the money went into Treasuries, not Total Bond.
by CFM300
Sun Jul 05, 2020 7:24 pm
Forum: Investing - Theory, News & General
Topic: Simple retirement plan. Crazy idea?
Replies: 49
Views: 5923

Re: Simple retirement plan. Crazy idea?

I'm thinking it would probably be better to just invest 100% of your savings 60/40 and pull 4%. Can you present some actual numbers, real or fictitious?
by CFM300
Sat Jul 04, 2020 5:03 pm
Forum: Investing - Theory, News & General
Topic: "Value Betting vs. The Stock Market"
Replies: 18
Views: 1875

Re: "Value Betting vs. The Stock Market"

The conclusion of the article Taylor linked:

"Value betting is way more profitable than the stock market per dollar invested."
by CFM300
Sat Jul 04, 2020 3:21 pm
Forum: Investing - Theory, News & General
Topic: 2 and 3 fund funders - sticking soley with Total Bond?
Replies: 49
Views: 4682

Re: 2 and 3 fund funders - sticking soley with Total Bond?

Allow me one more pass at this... Intermediate-term Treasury funds hold up better than Total Bond funds when the stock market tanks. You can see this by looking at what happened to each beginning in March. Further, a 60/40 portfolio using Intermediate-term Treasuries rather than Total Bond has had b...
by CFM300
Sat Jul 04, 2020 2:38 pm
Forum: Investing - Theory, News & General
Topic: 2 and 3 fund funders - sticking soley with Total Bond?
Replies: 49
Views: 4682

Re: 2 and 3 fund funders - sticking soley with Total Bond?

I am unaware of a one fund alternative. Intermediate-term Treasuries https://www.bogleheads.org/forum/viewtopic.php?p=5350071#p5349633 They track so closely that they’re pretty much fungible. Then aren't they an alternative?? Plus, treasuries hold up better in a crisis. Look at what happened to ITT...
by CFM300
Sat Jul 04, 2020 1:11 pm
Forum: Investing - Theory, News & General
Topic: 2 and 3 fund funders - sticking soley with Total Bond?
Replies: 49
Views: 4682

Re: 2 and 3 fund funders - sticking soley with Total Bond?

Lee_WSP wrote: Sat Jul 04, 2020 11:25 am I am unaware of a one fund alternative.
Intermediate-term Treasuries

viewtopic.php?p=5350071#p5349633
by CFM300
Fri Jul 03, 2020 3:31 pm
Forum: Investing - Theory, News & General
Topic: 2 and 3 fund funders - sticking soley with Total Bond?
Replies: 49
Views: 4682

Re: 2 and 3 fund funders - sticking soley with Total Bond?

Since 1987...

60% - Total US Stock Market
40% - Intermediate-term Treasuries

has done as well or better than...

60% - Total US Stock Market
40% - Total US Bond Market

Better CAGR, lower max drawdown, lower worst year, lower SD, etc. Something to consider.

Portfolio Visualizer
by CFM300
Sun Jun 28, 2020 3:10 pm
Forum: Investing - Theory, News & General
Topic: Investing vs working
Replies: 67
Views: 5303

Re: Investing vs working

Please learn how to edit quotes to keep posts concise! Thank you. :beer
by CFM300
Fri Jun 26, 2020 5:00 pm
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 245
Views: 14915

Re: What is the single best piece of exercise equipment you bought for your home?

SmallSaver wrote: Fri Jun 26, 2020 12:58 pm
fatcoffeedrinker wrote: Wed Jun 24, 2020 9:50 pm No better exercise than squats.
Deadlifts?
Clean & Jerk
by CFM300
Fri Jun 26, 2020 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Side hustle: How to get paid?
Replies: 26
Views: 2486

Re: Side hustle: How to get paid?

Kennedy wrote: Fri Jun 26, 2020 12:13 pm The other benefit of an LLC, generally speaking, is that it can shield the LLC's assets (the rental property in my example above) from an individual's negligent actions not related to the LLC.
That's an important qualification and benefit. Thanks.
by CFM300
Fri Jun 26, 2020 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Side hustle: How to get paid?
Replies: 26
Views: 2486

Re: Side hustle: How to get paid?

1) LLC protections differ from state-to-state. He can register the entity in another state from where he resides. If he conducts business in the state in which he resides, he'll probably have to registered his foreign (out-of-state) LLC in his home states as well. So, two registrations vs. one. 2) ...
by CFM300
Fri Jun 26, 2020 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Father sort of scammed, anything else to do?
Replies: 19
Views: 2854

Re: Father sort of scammed, anything else to do?

Before you nuke the computer, I'd check the browsers to see if he has in fact saved any passwords there. If so, those are accounts are vulnerable, obviously.
by CFM300
Fri Jun 26, 2020 10:10 am
Forum: Personal Investments
Topic: What On Earth To Do With Cash in Taxable Needed in 1-3 Years
Replies: 25
Views: 2902

Re: What On Earth To Do With Cash in Taxable Needed in 1-3 Years

50% in something riskless, like an online saving account.
50% intermediate-term bond fund.

Once you're certain you'll spend the money within the next year, 100% in something completely riskless.
by CFM300
Wed Jun 24, 2020 8:19 pm
Forum: Personal Investments
Topic: Do any solo-401k providers allow website contributions?
Replies: 8
Views: 563

Re: Do any solo-401k providers allow website contributions?

Do any of the other good solo-401k providers let you make contributions through the web? When you set up a 401(k) at Vanguard, you create an account on their Small Business website. That's where you make contributions, even if you have other accounts at Vanguard that you access through their Person...
by CFM300
Wed Jun 24, 2020 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Factoring Social Security into Bond Allocation
Replies: 22
Views: 1230

Re: Factoring Social Security into Bond Allocation

60% - $840,000 - Stock 11% - $160,000 - Bond 29% - $400,000 - SS Now if you were using CFireSim or FireCalc or looking at Early Retirement Now or the Trinity Study or something similar to see how this portfolio performed in the past in terms of risk and return, would you choose 60/40 or 84/16 for t...
by CFM300
Wed Jun 24, 2020 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Factoring Social Security into Bond Allocation
Replies: 22
Views: 1230

Re: Factoring Social Security into Bond Allocation

In The Little Book of Common Sense Investing and elsewhere, Jack Bogle recommended taking your anticipated Social Security benefits into account when determining your bond allocation. Anyone have an idea on the best way to do that? I think the basic idea is that you include in your portfolio, as bo...
by CFM300
Sun Jun 21, 2020 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One is at it again
Replies: 135
Views: 15541

Re: Capital One is at it again

Money Market: 0.8% APY (Performance Savings is advertised as 1.0% APY.) I'll take a look at the Performance Savings account. Note that the money market fund pays just 0.5% for balances < $10K vs. Performance Savings which pays 1.0% on all balances. If one has less than $10K in the money market acco...
by CFM300
Sat Jun 20, 2020 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Amica
Replies: 40
Views: 3715

Re: Disappointed in Amica

cashboy wrote: Sat Jun 20, 2020 1:16 pm its not just Amica... regardless, a quick call is all it takes to set things back to where they should be.
That's a good perspective. Thanks.
by CFM300
Sat Jun 20, 2020 12:03 pm
Forum: Personal Investments
Topic: Ditching International
Replies: 274
Views: 15991

Re: Ditching International

Curious if any of you remember Bogle's recommendation for a Rip Van Winkle Portfolio? It was a beautiful 50/50 portfolio with 20% of stocks AND bonds allocated to international. Specifically, 40% - Total Stock Market 10% - Total International Stock Market 30% - Intermediate-Term Bond (NOT Total Bond...
by CFM300
Sat Jun 20, 2020 11:47 am
Forum: Personal Investments
Topic: Ditching International
Replies: 274
Views: 15991

Re: Ditching International

I am 51. Don’t know if that confines me to your definition of the older generation or not. I guess I have nothing to offer anymore. First, I'm older than you, so no, you're not part of the older generation. :D Second, I'm not endorsing the idea of holding international market weights, nor suggestin...
by CFM300
Sat Jun 20, 2020 11:21 am
Forum: Personal Investments
Topic: Ditching International
Replies: 274
Views: 15991

Re: Ditching International

Vanguard's default stance on international is world market cap. I believe once the older generation moves on, they'll slowly move to world market cap. What does the older generation have to do with this other than ageism? Planck's Principle: "A new scientific truth does not triumph by convincing it...
by CFM300
Sat Jun 20, 2020 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Amica
Replies: 40
Views: 3715

Re: Disappointed in Amica

canceling with Amica was the most difficult due to various "bugs in their computer system". It took multiple phone calls, and I still received a bill a month after cancellation, which I had to call once again and was told to ignore. Good to know. If I do drop Amica, I'll be sure to document the pro...
by CFM300
Sat Jun 20, 2020 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Fidelity 2% Cash Back credit card
Replies: 167
Views: 10321

Re: Disappointed in Fidelity 2% Cash Back credit card

Ferdinand2014 wrote: Sat Jun 20, 2020 8:40 am You have the choice to cancel the card or open Fidelity account.
Or she can keep the card, not open another Fidelity account, and still get cash back. It's just that it will then be a 1% cash back card, not 2%.
by CFM300
Sat Jun 20, 2020 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Fidelity 2% Cash Back credit card
Replies: 167
Views: 10321

Re: Disappointed in Fidelity 2% Cash Back credit card

I have had the 2% FIDO cash back card for years and never knew any of this. I'm with you OP, that would irritate me a bit if I were in your shoes. But, I will say my FIDO CMA has been just dreamy. ATM fees refunded within 24 hours. Free checks. Free bill pay. Free wire transfers. Who knows what els...
by CFM300
Fri Jun 19, 2020 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Fidelity 2% Cash Back credit card
Replies: 167
Views: 10321

Re: Disappointed in Fidelity 2% Cash Back credit card

FIREchief wrote: Fri Jun 19, 2020 8:07 pm I would be complaining only if they *refused* to deposit the 2% cash back into my Fidelity account! :P
Ha! Point taken. :D
by CFM300
Fri Jun 19, 2020 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One is at it again
Replies: 135
Views: 15541

Re: Capital One is at it again

Mudpuppy wrote: Fri Jun 19, 2020 5:32 pmBy Occam's Razor, the simplest explanation is that someone forgot to update the date on the disclosure page when they updated the rates.
Fair enough.
by CFM300
Fri Jun 19, 2020 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One is at it again
Replies: 135
Views: 15541

Re: Capital One is at it again

The simplest explanation is that someone forgot to update the date on the page. I personally checked the page a couple of weeks ago and the rate was 1.0%. I don't have a screenshot as proof, so you'll just have to take my word for it, but others have posted similar observations in other Capital One...
by CFM300
Fri Jun 19, 2020 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One is at it again
Replies: 135
Views: 15541

Re: Capital One is at it again

I used my statements. 360 Money Market. March 31 10,272.87 April 30 10,283.75 10,272.87*(1.0000353^30) = 10,283.75 Annual rate = (1.0000353^365) - 1 = 1.30% for the month of April Maybe they are giving old customers a better deal? Why the math? Doesn't the interest rate appear on your statements? T...
by CFM300
Fri Jun 19, 2020 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One is at it again
Replies: 135
Views: 15541

Re: Capital One is at it again

Mudpuppy wrote: Fri Jun 19, 2020 4:36 pmWhat you see on the disclosure page is today's rate.
I assume that the rates shown on the disclosure page are not only today's rate, but also the rate since April 27, 2020 -- because that's the date on the page. Is that not correct?