Search found 1367 matches

by feh
Wed Jun 10, 2020 6:30 am
Forum: Personal Finance (Not Investing)
Topic: How to think about money earned during semi-retirement
Replies: 26
Views: 2331

Re: How to think about money earned during semi-retirement

My work isn't fun and is only just tolerable to me now. I have a lot of other interests and hobbies I'd prefer to spend my time and brain power on. My fear is that if I were to retire completely I would never want to work in my field (or anywhere) again because I'm really burned out. I'm at around ...
by feh
Tue Jun 09, 2020 8:32 am
Forum: Personal Finance (Not Investing)
Topic: How to think about money earned during semi-retirement
Replies: 26
Views: 2331

Re: How to think about money earned during semi-retirement

Don't understand why money earned during semi-retirement needs to be thought of a certain way. It's just income.
by feh
Thu May 21, 2020 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Savings Promo
Replies: 108
Views: 13127

Re: Capital One 360 Savings Promo

Another options is to fund the account by initiating the transfer from the source such as Ally, Chase, Fidelity, BofA, etc. Sometimes these funding sources do not require a trial deposit and that should be much faster. When I opened the account, the option was provided to specify where the funds we...
by feh
Tue May 19, 2020 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Savings Promo
Replies: 108
Views: 13127

Re: Capital One 360 Savings Promo

Before you set up this account get your money organized. The Cap 1 money eligible for the bonus must arrive in the account within 10 days of opening. You can only set up 1 external bank account at a time, and each one will take several days to get the test deposits and verify. In other words, you s...
by feh
Thu Apr 30, 2020 10:09 pm
Forum: Investing - Theory, News & General
Topic: I Bonds are a screaming buy - Tipswatch
Replies: 138
Views: 22038

Re: I Bonds are a screaming buy - Tipswatch

Just so you know. If you find yourself approaching the phase-out income limit for using your I Bonds tax-free for qualifying educational expenses, you can always contribute to a 529 College Savings Plan while you're still eligible. The 529 is a qualifying educational expense and can continue to gro...
by feh
Wed Apr 29, 2020 8:55 pm
Forum: Investing - Theory, News & General
Topic: I Bonds are a screaming buy - Tipswatch
Replies: 138
Views: 22038

Re: I Bonds are a screaming buy - Tipswatch

I have prepared $10k to buy I Bonds but changed my mind. My logic is as follows: - Let's say I Bonds will provide me with 2% advantage over CDs. 2% of $10k is $200/year. This is a relatively minor amount, it's less than the cost of taking a class. - On the other hand, during COVID-19, there could b...
by feh
Wed Apr 29, 2020 7:54 pm
Forum: Investing - Theory, News & General
Topic: I Bonds are a screaming buy - Tipswatch
Replies: 138
Views: 22038

Re: I Bonds are a screaming buy - Tipswatch

I have prepared $10k to buy I Bonds but changed my mind. My logic is as follows: - Let's say I Bonds will provide me with 2% advantage over CDs. 2% of $10k is $200/year. This is a relatively minor amount, it's less than the cost of taking a class. - On the other hand, during COVID-19, there could b...
by feh
Sun Apr 26, 2020 6:52 pm
Forum: Investing - Theory, News & General
Topic: I Bonds are a screaming buy - Tipswatch
Replies: 138
Views: 22038

Re: I Bonds are a screaming buy - Tipswatch

I bought $5k i-Bonds for their 0.2% fixed rate. Anyone thinks I should just get another $5k? It looks like i-Bond fixed rate will go down to 0% and stay there for the foreseeable future given the current interest rate situation and economic outlook. I would. In fact I bought $20k (me+spouse) this y...
by feh
Fri Apr 17, 2020 12:20 pm
Forum: Investing - Theory, News & General
Topic: whos' just about had it w/ SCV ?
Replies: 263
Views: 16661

Re: whos' just about had it w/ SCV ?

I have always said even if SCV will win out in the long run (and I believe it will), it is a poor investment choice for most investors. They will become discouraged during long periods of under-performance, then end up selling at the wrong moment. For them, TSM is the way to go. A much smaller numb...
by feh
Wed Apr 15, 2020 6:14 pm
Forum: Investing - Theory, News & General
Topic: whos' just about had it w/ SCV ?
Replies: 263
Views: 16661

Re: whos' just about had it w/ SCV ?

This is why there is a small & factor premium, because of these periods of underperformance. I was prepared for "underperformance". But, over the last 5 years, there is a 57% difference (+45 - -12) between the two. That's not underperformance; that's a complete and utter thrashing. Which would sugg...
by feh
Wed Apr 15, 2020 4:34 pm
Forum: Investing - Theory, News & General
Topic: whos' just about had it w/ SCV ?
Replies: 263
Views: 16661

Re: whos' just about had it w/ SCV ?

MotoTrojan wrote:
Wed Apr 15, 2020 2:59 pm
This is why there is a small & factor premium, because of these periods of underperformance.
I was prepared for "underperformance". But, over the last 5 years, there is a 57% difference (+45 - -12) between the two.

That's not underperformance; that's a complete and utter thrashing.
by feh
Wed Apr 15, 2020 2:57 pm
Forum: Investing - Theory, News & General
Topic: whos' just about had it w/ SCV ?
Replies: 263
Views: 16661

whos' just about had it w/ SCV ?

YTD and 5 year comparisons between VBR and total US.

To put things mildly, it stinks.

Image
Image
by feh
Wed Apr 08, 2020 12:32 pm
Forum: Investing - Theory, News & General
Topic: I Bonds are a screaming buy - Tipswatch
Replies: 138
Views: 22038

Re: I Bonds are a screaming buy - Tipswatch

Too early to guess what the fixed rate will be next month? I'm assuming 0%, but would like to hear other opinions... I doubt they will move it to 0%; since these are oriented towards retail investors I'm assuming they'll leave it at 0.20% or 0.10%. Can you explain further? They were at 0% for many ...
by feh
Wed Apr 08, 2020 10:06 am
Forum: Investing - Theory, News & General
Topic: I Bonds are a screaming buy - Tipswatch
Replies: 138
Views: 22038

Re: I Bonds are a screaming buy - Tipswatch

Too early to guess what the fixed rate will be next month?

I'm assuming 0%, but would like to hear other opinions...
by feh
Mon Apr 06, 2020 5:00 pm
Forum: Personal Consumer Issues
Topic: E911 Service
Replies: 28
Views: 2587

Re: E911 Service

I use bulkvs.com I switched to anveo a year ago when I bought the OBI device. $25 per year for E911. ok I don't see that as an option but here is a part of their website that mentions that $1.50/month thing https://www.anveo.com/faq.asp?code=faq_e911 gotta figure this out EDIT - maybe you are using...
by feh
Mon Apr 06, 2020 2:47 pm
Forum: Personal Consumer Issues
Topic: E911 Service
Replies: 28
Views: 2587

Re: E911 Service

feh wrote:
Tue Oct 30, 2018 12:46 pm
I use bulkvs.com
I switched to anveo a year ago when I bought the OBI device. $25 per year for E911.
by feh
Mon Apr 06, 2020 7:49 am
Forum: Personal Investments
Topic: talk me out of reducing equity exposure
Replies: 35
Views: 2313

Re: talk me out of reducing equity exposure

should we get more conservative in an effort to protect the nest egg, or do the boglehead thing and hold on for the ride? I'm getting really confused by the number of posters who have come to the Bogleheads forum and then ask if they should invest according to Boglehead philosophy. I've been here f...
by feh
Sun Apr 05, 2020 7:35 pm
Forum: Personal Investments
Topic: talk me out of reducing equity exposure
Replies: 35
Views: 2313

Re: talk me out of reducing equity exposure

should we get more conservative in an effort to protect the nest egg, or do the boglehead thing and hold on for the ride? I'm getting really confused by the number of posters who have come to the Bogleheads forum and then ask if they should invest according to Boglehead philosophy. I've been here f...
by feh
Sun Apr 05, 2020 1:25 pm
Forum: Personal Investments
Topic: talk me out of reducing equity exposure
Replies: 35
Views: 2313

Re: talk me out of reducing equity exposure

Chip wrote:
Sun Apr 05, 2020 1:07 pm
What did you do with your portfolio in 2008/9?
We didn't do anything, other than continuing to invest. At that time, we were 100% equities.

The difference then was that we weren't on the verge of retirement.
by feh
Sun Apr 05, 2020 1:22 pm
Forum: Personal Investments
Topic: talk me out of reducing equity exposure
Replies: 35
Views: 2313

Re: talk me out of reducing equity exposure

goingup wrote:
Sun Apr 05, 2020 12:27 pm
I'd encourage you to really think hard about whether you permanently want to reduce your equity to 25%.
The change would not be permanent. We'd ramp up equities again after the dust had settled.
by feh
Sun Apr 05, 2020 11:27 am
Forum: Personal Investments
Topic: talk me out of reducing equity exposure
Replies: 35
Views: 2313

talk me out of reducing equity exposure

Our situation: we reached our "number" 4 years ago, but have still been working, and plan to work for 2-3 more years married, 54 yo 60/40 portfolio, which is currently 53/47 due to market drop Obviously, I feel the market has more pain coming, otherwise I would not be considering selling. We're cons...
by feh
Wed Mar 25, 2020 5:14 pm
Forum: Personal Investments
Topic: what fixed income today?
Replies: 37
Views: 2059

Re: what fixed income today?

Just checked on the SEC yield of FXNAX (total bond)...it's 2%. Higher than I expected.

Maybe I'll just go with total bond after all.
by feh
Wed Mar 25, 2020 11:58 am
Forum: Personal Investments
Topic: what fixed income today?
Replies: 37
Views: 2059

Re: what fixed income today?

An example of a secondary 21mo CD offering from Fidelity: Final yield after taking account into commissions is 1.900091%. In contrast, a new-issue 18mo or 24mo CD pays only about 1.35%. I'm looking at CDs on Fido's web site (secondary market)...I've never purchased CDs this way. I assume what I wou...
by feh
Wed Mar 25, 2020 11:21 am
Forum: Personal Investments
Topic: what fixed income today?
Replies: 37
Views: 2059

Re: what fixed income today?

Why not deposit funds in Vanguard US Treasury Money Market fund (VUSXX) until the dust settles and then invest it for the long term? Leaving it in SPAXX (the Fido equivalent) is an option. Just wondering if there are better choices. Normally I would just go with total bond, but it seems we're enter...
by feh
Wed Mar 25, 2020 8:26 am
Forum: Personal Investments
Topic: what fixed income today?
Replies: 37
Views: 2059

Re: what fixed income today?

Instead of 1% FDIC insured, I'd rather have 0% as a direct Treasury obligation in this climate. But I'm very risk-averse. When you say "1% FDIC insured" are you referring to an online savings account or something else? If savings account, why would you rather have 0% from a treasury instead of gett...
by feh
Wed Mar 25, 2020 7:43 am
Forum: Personal Investments
Topic: what fixed income today?
Replies: 37
Views: 2059

Re: what fixed income today?

technovelist wrote:
Wed Mar 25, 2020 7:33 am
Treasurys.
Yes, I know they pay close to zero.
But zero is better than a loss.
If you think total bond is gonna be ugly for a few years, why not CDs?
by feh
Wed Mar 25, 2020 7:29 am
Forum: Personal Investments
Topic: what fixed income today?
Replies: 37
Views: 2059

what fixed income today?

Recently rolled a 401K into a traditional IRA, so the money is sitting in Fido's SPAXX. Had been in total bond previously.

What's a good purchase today? CDs? Short term bonds? Total bond?
by feh
Thu Mar 19, 2020 2:43 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1775
Views: 141532

Re: [Small Cap Value heads Rejoice !!!]

MotoTrojan wrote:
Thu Mar 19, 2020 2:41 pm
MotoTrojan wrote:
Thu Mar 19, 2020 10:19 am
SCV outperforming hugely today :twisted: .
SPY has barely moved from its 1-2% range today with SCV popping 6-8% now.
Which merely offsets yesterday's debacle...
by feh
Thu Mar 19, 2020 1:54 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1775
Views: 141532

Re: [Small Cap Value heads Rejoice !!!]

Software developer. My job is safe. Just not fond of seeing that portion of the portfolio get whacked. And if it's gonna only get worse... As a software developer, you have plenty of exposure to the growth factor. Problems like a virus or the financial system do not affect you nearly as much. But I...
by feh
Thu Mar 19, 2020 12:43 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1775
Views: 141532

Re: [Small Cap Value heads Rejoice !!!]

I put my portfolio together in 2013, and bought into the SCV tilting theory. One third of our equities are in VBR/IJS in a 60/40 portfolio. Anybody want to persuade me to bail for the time being? Or convince me to stay? Before all this corona business started, growth-value spreads were at or near a...
by feh
Thu Mar 19, 2020 12:07 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1775
Views: 141532

Re: [Small Cap Value heads Rejoice !!!]

I put my portfolio together in 2013, and bought into the SCV tilting theory. One third of our equities are in VBR/IJS in a 60/40 portfolio. Anybody want to persuade me to bail for the time being? Or convince me to stay? What is your job/employment/source of income? Software developer. My job is saf...
by feh
Thu Mar 19, 2020 11:43 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1775
Views: 141532

Re: [Small Cap Value heads Rejoice !!!]

I put my portfolio together in 2013, and bought into the SCV tilting theory. One third of our equities are in VBR/IJS in a 60/40 portfolio.

Anybody want to persuade me to bail for the time being? Or convince me to stay?
by feh
Tue Mar 17, 2020 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason NOT to wait until April to buy I bonds?
Replies: 8
Views: 781

Re: Any reason NOT to wait until April to buy I bonds?

I had been planning on waiting until May in the hope that the fixed rate would increase, but that now looks unlikely...
by feh
Fri Feb 21, 2020 10:20 am
Forum: Personal Finance (Not Investing)
Topic: please confirm: ACA plan effective date
Replies: 3
Views: 287

please confirm: ACA plan effective date

Generally speaking, if one applies for an ACA plan after the 15th of a given month, coverage will not begin until the 1st of the next, next month. ie. if one applies on the 20th of February, coverage would not begin until April 1st. However, if one leaves a job and has coverage to the end of Februar...
by feh
Tue Jan 28, 2020 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: How much money can I spend on a car?
Replies: 59
Views: 5352

Re: How much money can I spend on a car?

SQRT wrote:
Tue Jan 28, 2020 9:33 am
Of course it’s a waste of money.
+1000
by feh
Tue Jan 28, 2020 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance cost
Replies: 98
Views: 6780

Re: Umbrella insurance cost

FWIW, our premium tripled when teenage son got his DL...
by feh
Mon Jan 20, 2020 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: source for health insurance for 90 days
Replies: 2
Views: 259

source for health insurance for 90 days

Will be taking a job which doesn't offer health insurance for the first 3 months. So, I'll need to find my own during that time.

Family of 3. I know 2 options are COBRA and the health.gov marketplace. Are there any others?

Thanks.
by feh
Tue Jan 07, 2020 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 79905

Re: Fidelity Free Turbotax 2019

I too just saw the offer for a free "Turbo Tax Premiere 'Online'" product. This is less than what I was offered last year - that was the ability to download the Premiere version on my own computer vs. trusting Intuit with my taxes. I'll pass and buy the Deluxe version for download. It can be downlo...
by feh
Sat Jan 04, 2020 10:04 pm
Forum: Personal Investments
Topic: back door Roth: nuts & bolts
Replies: 4
Views: 595

Re: back door Roth: nuts & bolts

Thanks for pointing me at the wiki. Apparently I actually had this same question a few years ago and had forgotten about the rules when it came to converting funds. My memory has been refreshed.

I guess I'll just have to wait until the end of the year to see if I can contribute.
by feh
Sat Jan 04, 2020 10:20 am
Forum: Personal Investments
Topic: back door Roth: nuts & bolts
Replies: 4
Views: 595

back door Roth: nuts & bolts

The last couple years, I have contributed to my Roth IRA early in the year. In 2020, I may be over the income limit; I won't know if I am until late in the year. I've never executed a back door Roth contribution. Is there any disadvantage to doing the back door option now, instead of waiting to see ...
by feh
Tue Dec 31, 2019 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much were you able to save this year?
Replies: 142
Views: 10996

Re: How much were you able to save this year?

Roughly $90K on $120K gross household income.
by feh
Thu Dec 26, 2019 1:40 pm
Forum: Investing - Theory, News & General
Topic: Small cap interantional and tax efficiency FNDC v SCZ
Replies: 29
Views: 2574

Re: Small cap interantional and tax efficiency FNDC v SCZ

MotoTrojan wrote:
Thu Dec 26, 2019 10:56 am
feh wrote:
Fri Dec 20, 2019 1:50 pm
I hold some SCZ, but only because I use it for my VSS TLH partner.
Hefty difference in expense ratio.
I wouldn't call .3 hefty.

Regardless, it was the best option I could find, and total return has been essentially the same (actually, slightly better) as VSS.
by feh
Fri Dec 20, 2019 1:50 pm
Forum: Investing - Theory, News & General
Topic: Small cap interantional and tax efficiency FNDC v SCZ
Replies: 29
Views: 2574

Re: Small cap interantional and tax efficiency FNDC v SCZ

I hold some SCZ, but only because I use it for my VSS TLH partner.
by feh
Tue Dec 17, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Utah 529: interest rate on FDIC funds?
Replies: 2
Views: 142

Utah 529: interest rate on FDIC funds?

The Utah 529 plan does not publish the current interest rate of their FDIC insured investment option, which I'm sure is just a money market account. The only language I could find on their web site is: The interest paid is a floating rate that is ... based on recognized benchmarks for short-term int...
by feh
Thu Oct 17, 2019 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: how to pay FICA taxes manually
Replies: 4
Views: 488

Re: how to pay FICA taxes manually

RickBoglehead wrote:
Thu Oct 17, 2019 8:11 pm
You compute your estimated taxes based on being self employed. There is no separate payment.
So, it's the same IRS web site and payment process? Just increase the amount paid for FICA?
by feh
Thu Oct 17, 2019 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: how to pay FICA taxes manually
Replies: 4
Views: 488

how to pay FICA taxes manually

Next year I will need to start paying FICA taxes myself, instead of them being withheld from my paycheck. I already make estimated tax payments for income taxes. My question is - do I just add payroll taxes to the payments I already make, or is there a different method/process for paying payroll tax...
by feh
Mon Sep 30, 2019 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Do you know what your partner spends money on?
Replies: 80
Views: 7166

Re: Do you know what your partner spends money on?

We don't have separate credit cards. Every dime is co-mingled.

Transaction aggregator (mint) shows both of us every transaction. There are no mysteries.
by feh
Wed Sep 11, 2019 3:54 pm
Forum: Investing - Theory, News & General
Topic: Health equity investment fee. High or low?
Replies: 60
Views: 5284

Re: Health equity investment fee. High or low?

Is there a wiki page, or rules of thumb elsewhere I could follow regarding transfers? We have an HSA at Optum from an old employer. Currently funding another HSA at Health Equity through current employer. Most of our assets are held at Fido, so I'd like to get all these monies over there in a new ac...