Search found 1222 matches

by feh
Thu Sep 20, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 89
Views: 4466

Re: Physical Banking - Any benefits anymore?

The only time I set foot in my local credit union these days is for the occasional cashier's check.
by feh
Wed Sep 19, 2018 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: anybody use Fidelity CD ladders?
Replies: 4
Views: 758

anybody use Fidelity CD ladders?

Hello folks. We keep a portion of our portfolio in short-term investments (I Bonds, CDs, short term bond funds). Like many others, we have a NWFCU (3%) CD maturing next month, and I need to reinvest those proceeds. Short term bond funds (VFSUX) look pretty appealing right now, but let's assume I wan...
by feh
Sun Sep 09, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 354
Views: 37319

Re: Northwest FCU 3-year 3.04% Add-On CD

I used their private messaging service a couple weeks ago to let them know I wanted the proceeds deposited in the savings account upon maturity. They responded promptly with confirmation.
by feh
Wed Sep 05, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: 100% Bonds to boost returns?
Replies: 61
Views: 6383

Re: 100% Bonds to boost returns?

Jebediah wrote:
Mon Sep 03, 2018 8:55 pm
Given that stocks are riskier, it seems only logical to be 100% bonds at this time. Maybe a splash of equities for diversification sake, but no more than a 'splash' (as Bogle likes to say).
Go ahead and do it. Please come back in 10 years and let us know if you regret it or not.
by feh
Tue Aug 14, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: TLH partner for IXUS
Replies: 5
Views: 467

Re: TLH partner for IXUS

I have Fedility Taxable Brokerage Account in which I bought IXUS last year. I see losses on the principal and also all dividend-reinvested units on it. I am planning to see if I can do TLH and what could be a better partner for it. Would IEFA (iShares Core MSCI EAFE ETF) a better partner to which I...
by feh
Thu Aug 09, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Ask for extension or turn down job offer?
Replies: 22
Views: 1439

Re: Ask for extension or turn down job offer?

This is a very personal decision.

I would recommend he take the offer. Going into senior year without having to look for a job is a wonderful position to be in. He can always look for better opportunities after he gets some real-world experience.
by feh
Thu Jul 26, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Moral dilemma - What would you do?
Replies: 54
Views: 5781

Re: Moral dilemma - What would you do?

I don't see this as an issue. Companies sell things to individuals ALL of the time that are not "wins" for both sides. Extended warranties, service plans, bundled services, etc. If they customer thinks it is a good deal, following their own diligence, then who cares. If they don't do their diligenc...
by feh
Tue Jul 17, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 92
Views: 7119

Re: Families - What's your total annual credit card spend?

$20-25K per year, family of 3.

I'm shocked at how much money people posting in this thread spend per year.
by feh
Sun Jul 15, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 107
Views: 13511

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

Jags4186 wrote:
Sun Jul 15, 2018 10:53 am
I guess what I should really do is create a new joint e-mail account and change all of our financial accounts to that e-mail address.
This is what we have done. It's simply an address that gets forwarded to both of our personal email addresses.
by feh
Sat Jul 14, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 107
Views: 13511

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

So how do you all who handle all of the minutia of your household finances keep your spouse up to date with online points of access? What system do you use? I've written documents detailing: - how our portfolio is constructed and why - list of accounts and their purpose- - tax considerations - wher...
by feh
Sat Jul 14, 2018 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 14462

Re: Early retirement

I retired early. I've had some very interesting interactions with people when they find out I've done so. Some are socially awkward, some rude, some confused and other bizarre reactions. Has anyone else experienced what I have? I switched to part time 2 years ago, at age 50. I could retire fully if...
by feh
Sat Jul 14, 2018 8:26 am
Forum: Investing - Theory, News & General
Topic: yield curve inversion
Replies: 48
Views: 4870

Re: yield curve inversion

There is one action I will probably take if the 2/10 year spread continues to narrow - sell my bank loan fund. I purchased it a few years ago to spice up my fixed income dividends. Such funds tend to dip during recessions.
by feh
Fri Jul 13, 2018 2:17 pm
Forum: Investing - Theory, News & General
Topic: what is the historical real return of total bond?
Replies: 15
Views: 1430

Re: what is the historical real return of total bond?

Seriously, if we're talking about fixed income, there may not be many good options for earning a positive real return while interest rates are rising. Probably the best would be short-term TIPS held to maturity. There are currently a few five year CDs out there offering rates above 3%, and the infl...
by feh
Fri Jul 13, 2018 12:46 pm
Forum: Investing - Theory, News & General
Topic: what is the historical real return of total bond?
Replies: 15
Views: 1430

Re: what is the historical real return of total bond?

Added: Found this on the web. It's corrected for inflation. It looks right. It's still a two-humped camel, but at least the humps are roughly equal in height. I still can't feel any confidence in any kind of extrapolation. http://3.bp.blogspot.com/-EKmeHRIqhCg/T4JJl-qcg8I/AAAAAAAABUo/epY9MooaYu0/s1...
by feh
Fri Jul 13, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: yield curve inversion
Replies: 48
Views: 4870

Re: yield curve inversion

by feh
Fri Jul 13, 2018 7:38 am
Forum: Investing - Theory, News & General
Topic: what is the historical real return of total bond?
Replies: 15
Views: 1430

Re: what is the historical real return of total bond?

To the OP, take a look at recent history, where interest rates started low and have been slowly rising, all while inflation has been historically low as well. The annualized real return of TBM from Jan., 2012, through June, 2018, was -.68%. The "bond party" may be over for a while. It's a bummer th...
by feh
Thu Jul 12, 2018 9:11 pm
Forum: Investing - Theory, News & General
Topic: what is the historical real return of total bond?
Replies: 15
Views: 1430

what is the historical real return of total bond?

As of today, using rough numbers of 2% inflation and 3% for the dividend on total bond funds, we have a real return of 1%.

My question is - how does this compare to historical returns? Does anybody have a source for a graph of real returns for the common total bond funds?

Thanks.
by feh
Thu Jul 05, 2018 3:08 pm
Forum: Investing - Theory, News & General
Topic: yield curve inversion
Replies: 48
Views: 4870

Re: yield curve inversion

Thought readers of this thread might be interested:

https://www.marketwatch.com/story/heres ... 2018-07-05
by feh
Wed Jul 04, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: If you tilt toward Small Cap Value, how much do you tilt?
Replies: 38
Views: 2872

Re: If you tilt toward Small Cap Value, how much do you tilt?

danielc wrote:
Wed Jul 04, 2018 12:28 am

My plan is to have 2/3 of my US stocks in Total Stock Market and 1/3 in Small Cap Value.
This is the ratio we use. Same for ex-US.
by feh
Wed Jul 04, 2018 10:28 am
Forum: Investing - Theory, News & General
Topic: yield curve inversion
Replies: 48
Views: 4870

Re: yield curve inversion

balbrec2 wrote:
Wed Jul 04, 2018 10:16 am
I think we can look at an inverted yield curve as a heads up.
Something is askew, but exactly what or when remains to be seen.
+1

I am not a market timer, but I am keeping an eye on the 2/10 year spread.

https://ycharts.com/indicators/210_year ... eld_spread
by feh
Tue Jul 03, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Recommend a vehicle for $24,000 or less
Replies: 47
Views: 4036

Re: Recommend a vehicle for $24,000 or less

Take a trip to your local Subaru dealer. The Impreza, Outback, Forester and Legacy sedan are all options.
by feh
Mon Jul 02, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Insight Card (APY 5%) full personal review
Replies: 63
Views: 7334

Re: Insight Card (APY 5%) full personal review

In the past, I had to xfer the quarterly interest from savings to the card. Given they are closing these accounts, they have already xfered whatever was in your savings acct to the card, so that is not necessary. Thus, I was able to initiate a transfer to my online bank without doing anything on the...
by feh
Mon Jul 02, 2018 7:37 pm
Forum: Investing - Theory, News & General
Topic: What is your one favorite Fidelity Fund??
Replies: 59
Views: 5583

Re: What is your one favorite Fidelity Fund??

FSTVX domestic
FSGDX ex-US
by feh
Thu Jun 28, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 102
Views: 10255

Update:: how often does high ACT score == scholarship?

If you live in Wisconsin, and UW Madison has your degree, and you can get in, there is almost no reason NOT to go there (barring a full ride from Stanford, MIT, Caltech, etc.). Unfortunately, the OP child isn't likely getting a full ride from those places. He did in fact choose UW Engineering. The ...
by feh
Thu Jun 21, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 34779

Re: What is/ was your career and would you recommend it now?

bert09 wrote:
Thu Jun 21, 2018 10:21 am
Software engineer - I would absolutely recommend it.
+1
by feh
Tue Jun 19, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Carpet Installers- Tipping?
Replies: 22
Views: 1839

Re: Carpet Installers- Tipping?

Nope.

Perhaps such tipping is more common in large cities or on the coasts? AFAIK, not something that happens here in the Midwest.
by feh
Fri Jun 08, 2018 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: How much to budget for a week long vacation for 2?
Replies: 79
Views: 4738

Re: How much to budget for a week long vacation for 2?

As noted in the OP I am looking for what people are using in their retirement budgeting/planning. Obviously this is not the value of any specific trip but a generic average to be used for ballparking. Looking for answers from people have included this item in budgeting for retirement expenses, whic...
by feh
Fri Jun 08, 2018 1:10 pm
Forum: Investing - Theory, News & General
Topic: M* portfolio tracker - no May dividends
Replies: 3
Views: 446

Re: M* portfolio tracker - no May dividends

Dividends appeared today. Don't know why they were delayed.
by feh
Thu Jun 07, 2018 2:21 pm
Forum: Investing - Theory, News & General
Topic: M* portfolio tracker - no May dividends
Replies: 3
Views: 446

M* portfolio tracker - no May dividends

Hello folks.

I use the "Modify -> Your Transactions" menu in the M* portfolio tracker to record my dividends & cap gains. The divs have always been promptly posted in the past, but the May divs have yet to appear.

Anybody else having the same issue?
by feh
Thu Jun 07, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 18220

Re: Top Shelf Liquor Overrated?

I'm surprised I didn't see this thread earlier. 42 years of retail "adult beverage" experience here, mainly in wine but I've also sampled enough liquor to have a professional opinion. I've always tried to get the best quality for the money instead of the very very best. This translates into 95% qua...
by feh
Thu Jun 07, 2018 6:31 am
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 4029

Re: Upgrade to SSD for 5-year old desktop?

mmmodem wrote:
Thu Jun 07, 2018 6:18 am
By and large computers are replaced because they are too slow not because of component failure. I'd save the $100 to go into your next purchase.
+1

The current setup is more than fast enough, and the hard drive is backed up regularly. Exactly what is the investment in the SSD providing?
by feh
Wed Jun 06, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 18220

Re: Top Shelf Liquor Overrated?

I always buy middle shelf instead of top shelf. Half the price and equally (or at least almost) as good.

People with really refined palates may be able to appreciate the difference, but even then, you have to ask if it's worth the increased cost.
by feh
Wed Jun 06, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 4029

Re: Upgrade to SSD for 5-year old desktop?

Other than boot time it's not that noticeable for basic usage (web browsing, music player). If you're only using that much storage though it's probably worth it. Large SSD's are quite a bit more expensive so a hybrid drive makes sense with the OS on the SSD and the majority of files on the spinning...
by feh
Tue Jun 05, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: what to do if win some lottery money
Replies: 21
Views: 3087

Re: what to do if win some lottery money

FYI - the ticket was redeemed today. For such lucky folks in the future, both federal and state taxes were withheld. The winner will receive a W2-G (gambling income) at the end of the year.

For a prize of this size, no attorney was deemed necessary.
by feh
Mon Jun 04, 2018 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: what to do if win some lottery money
Replies: 21
Views: 3087

Re: what to do if win some lottery money

Nothing Thai I can think of. Isn’t estimated tax withheld? Gill Yes. I've done some googling, and 25% will be kept when the ticket is cashed. FWIW - in the given state, the winner does not have the option of remaining anonymous. I wonder if a prize of this size will attract scammers or financial ad...
by feh
Mon Jun 04, 2018 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: what to do if win some lottery money
Replies: 21
Views: 3087

what to do if win some lottery money

Let's say a person won $50K on a lottery ticket. What steps need to be taken?

I don't see any reason to talk with an attorney. Is there?

Other than setting aside a portion for the taxes that will be collected and cashing the ticket, what needs to be done?
by feh
Fri Jun 01, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: 5% prepaid Visa cards: Insight?
Replies: 6
Views: 1263

Re: 5% prepaid Visa cards: Insight?

Received email today from Insight that they are closing the savings account associated with these cards on July 1st.

AFAIK, all the savings accounts for similar prepaid cards have a limit of $1000. No longer worth the trouble, IMO.
by feh
Thu May 31, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: 13-year old Civic. Replace, or keep sinking money into it?
Replies: 52
Views: 4478

Re: 13-year old Civic. Replace, or keep sinking money into it?

13 years old and 170K miles? I'd say you got your money's worth; time to move on.
by feh
Thu May 31, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: obtainable credit card for teen?
Replies: 8
Views: 568

obtainable credit card for teen?

My son is interested in getting his first CC. He is 18 and will be starting college this fall. He works part time.

Is there a company that tends to be willing to provide no fee CCs to people without a credit history?
by feh
Wed May 30, 2018 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Can we retire in 2018?
Replies: 103
Views: 9040

Re: Can we retire in 2018?

Some good responses. But why would someone retire young and only live off of 50% or less of there income. Why not work longer and secure the 70-80% that will help secure a good retirement income. Because: - some people are perfectly content w/ a lifestyle provided by 50% of their working years inco...
by feh
Tue May 29, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Can we retire in 2018?
Replies: 103
Views: 9040

Re: Can we retire in 2018?

OP - you're looking at 35, maybe 40 years of retirement. I'd say you want your spend rate to be slightly above 3%, but not much. Given you didn't take health insurance into account, you aren't there yet. You're ignoring Social Security. They are going to get $60k a year just from that ($40k for hus...
by feh
Tue May 29, 2018 3:37 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6845
Views: 1495750

Re: U.S. stocks in freefall

Holy cow - the yield on US treasuries (both 2 year and 10 year) fell about 15 basis points today.

https://www.marketwatch.com/story/treas ... 2018-05-29
by feh
Tue May 29, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: What to do after maxing retirement contributions?
Replies: 31
Views: 3611

Re: What to do after maxing retirement contributions?

I max out my HSA, solo 401k and backdoor Roth with VTI 60%/VXUS 40% each year first. Then, I just load my taxable account with 100% VTI since its the most tax efficient of the two funds I purchase. Outside of these investments, I have an emergency fund in cash. I'm the same age range as you. Also i...
by feh
Tue May 29, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Can we retire in 2018?
Replies: 103
Views: 9040

Re: Can we retire in 2018?

I would not retire now if your expenses will be $70K+, healthcare is expensive. Go into marketplace and price it, you'll see it can easily cost $20K for a married couple. Do you have to retire now - is there a disability or something else driving this thought of retiring? +1 OP - you're looking at ...
by feh
Tue May 22, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Buy an old farmhouse?
Replies: 52
Views: 5342

Re: Buy an old farmhouse?

Houses that old can be full of hidden problems. +1 This was my first thought. I would find an online forum of folks that live in such homes and ask those with experience what to expect. Friends of ours always wanted an old farmhouse, and bought one on 10 acres about 10 years ago. It's been one proj...
by feh
Tue May 22, 2018 12:04 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA contributions during semi-retirement?
Replies: 14
Views: 855

Re: Roth IRA contributions during semi-retirement?

A440 wrote:
Tue May 22, 2018 7:28 am
I'm curious if those who semi-retire before age 59 1/2 and still earn a salary, do you still contribute to your Roth IRA?
Yes.
by feh
Thu Apr 26, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: Is there any app/software that neatly tells you daily gains/losses?
Replies: 19
Views: 1964

Re: Is there any app/software that neatly tells you daily gains/losses?

I've used all 3 of these, each of which are previously mentioned:

M*
Personal Capital
Google Finance

Of the 3, I prefer M* and use it most often.
by feh
Tue Apr 17, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding realized/unrealized gains in crypto world
Replies: 33
Views: 1483

Re: Understanding realized/unrealized gains in crypto world

samsoes wrote:
Tue Apr 17, 2018 12:02 pm
I certainly hope the last few posters aren't condoning tax evasion. I believe it's still a crime, regardless if the IRS catches you or not.
+1

Plus, reporting gains is just the right thing to do.
by feh
Tue Apr 17, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding realized/unrealized gains in crypto world
Replies: 33
Views: 1483

Re: Understanding realized/unrealized gains in crypto world

This is unrelated, but all the tax consultants I reached out don't seem to know enough. I was wondering if there is any software which would import all my trade history (for crypto) and export a tax report so that I can compare it with my results. Has anyone seen/used such a thing? cointracking.info
by feh
Tue Apr 17, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: child starting college this fall - what do I need to know & do?
Replies: 16
Views: 1940

Re: child starting college this fall - what do I need to know & do?

Start with familiarizing yourself with the IRS information on possible tax benefits: https://www.irs.gov/newsroom/irs-reminds-parents-students-to-explore-education-resources-on-irsgov Please confirm - looking at that page, you can claim only the AOTC or the Lifetime Learner Credit, but not both. Co...