Search found 1284 matches

by feh
Thu Jan 03, 2019 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Zero Expense Funds
Replies: 1
Views: 396

Re: Fidelity Zero Expense Funds

Has anyone given a good look at the Zero Expense Funds by Fidelity? Fidelity® ZERO Large Cap Index Fund Fidelity® ZERO Extended Market Index Fund Fidelity® ZERO Total Market Index Fund Fidelity® ZERO International Index Fund Anyone have insight on these funds? Many of them started in September of 2...
by feh
Wed Jan 02, 2019 8:47 pm
Forum: Investing - Theory, News & General
Topic: Good explanation of how bond funds don't get crushed in rising rate environment
Replies: 65
Views: 6773

Re: Good explanation of how bond funds don't get crushed in rising rate environment

I own 2 "total bond" funds, both currently down about 2.5% for the year (nominal). Looks like this is gonna be one of those rare years... Hard to believe, but by the end of the year both of the funds I mentioned above are in the black for 2018. Not by a lot, but positive. Shocking what happened to ...
by feh
Mon Dec 31, 2018 7:59 am
Forum: Investing - Theory, News & General
Topic: Ok to invest in an LLC?
Replies: 33
Views: 1703

Re: Ok to invest in an LLC?

Would it be ok to include me in the LLC at inception but define my ownership as 0% in the ledger? Then later when I make my investment the ledger could simply be updated to reflect my new ownership percentage. My friend will be consulting an attorney to set up the LLC and wants to minimize expenses...
by feh
Mon Dec 24, 2018 1:08 pm
Forum: Investing - Theory, News & General
Topic: What was your best investment in 2018?
Replies: 127
Views: 7233

Re: What was your best investment in 2018?

bikechuck wrote:
Mon Dec 24, 2018 12:12 pm
feh wrote:
Mon Dec 24, 2018 11:00 am
aristotelian wrote:
Mon Dec 24, 2018 10:57 am
TIAA Traditional, I Bonds, 3.3% CD, FSLR stock and cash.
Ah, I didn't consider CDs or I-Bonds in my original reply. They both beat VFSUX/SAMBX.
What are VFSUX and SAMBX?
See post 51, or visit M*.
by feh
Mon Dec 24, 2018 11:00 am
Forum: Investing - Theory, News & General
Topic: What was your best investment in 2018?
Replies: 127
Views: 7233

Re: What was your best investment in 2018?

aristotelian wrote:
Mon Dec 24, 2018 10:57 am
TIAA Traditional, I Bonds, 3.3% CD, FSLR stock and cash.
Ah, I didn't consider CDs or I-Bonds in my original reply. They both beat VFSUX/SAMBX.
by feh
Mon Dec 24, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: What was your best investment in 2018?
Replies: 127
Views: 7233

Re: What was your best investment in 2018?

At the moment, only 2 funds in our portfolio provided a positive return to us this year: VFSUX (short term bond) and SAMBX (bank loans).
by feh
Mon Dec 24, 2018 8:18 am
Forum: Investing - Theory, News & General
Topic: Bank Loan Funds
Replies: 12
Views: 1993

Re: Bank Loan Funds

I've held SAMBX for about 4 years. Dividend usually between 4 and 5 percent. This holding is only about 10% of our fixed income. When the economy is doing or expected to do well, they outperform intermediate bonds. When the economy looks dicey (early 2016, 2008), total return is worse than intermed...
by feh
Tue Dec 18, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 378
Views: 51857

Re: Fidelity free Turbotax

So I do think that state returns (even multiples) are free with this offer if you use the online version, since the price you pay (in this case $0) includes e-filing. With the download version, you pay to download additional states and then you pay separately to e-file. Perhaps this explains why I'...
by feh
Tue Dec 18, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 378
Views: 51857

Re: Fidelity free Turbotax

Even though I get TT for $0, I'm going to give freetaxusa a try this year. I'm not a fan of what TT charges for e-filing. That would be a change from previous years - I know I've paid to e-file the last 2 years using TT (I'm not in NY, if that varies by state). Edited to add: I looked it up, and TT...
by feh
Tue Dec 18, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 378
Views: 51857

Re: Fidelity free Turbotax

Even though I get TT for $0, I'm going to give freetaxusa a try this year. I'm not a fan of what TT charges for e-filing. I'll probably do both and compare the results. Federal e-filing is free with this offer, and I think one state is as well. I'm in NY and state e-filing is free for everyone. Tha...
by feh
Tue Dec 18, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 378
Views: 51857

Re: Fidelity free Turbotax

Is everyone getting $20 off? I recall last year it was free. That is the norm... some frequent traders and high balance/private client members get offered "free". Even though I get TT for $0, I'm going to give freetaxusa a try this year. I'm not a fan of what TT charges for e-filing. I'll probably ...
by feh
Tue Dec 18, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 378
Views: 51857

Re: Fidelity free Turbotax

gobigorgohome wrote:
Tue Dec 18, 2018 11:44 am
Is everyone getting $20 off? I recall last year it was free.
$0
by feh
Tue Dec 18, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 378
Views: 51857

Re: Fidelity free Turbotax

MisterBill I tried a second time after the error and got the right page. However, it seems only the online version is available at the moment. No, it can be downloaded - once you get to the TT site, choose the Product/Downloads menu near the top of the page. You'll have to go through the purchase p...
by feh
Tue Dec 18, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 378
Views: 51857

Re: Fidelity free Turbotax

It's up. Yes! But as happened last year, the link is broken (at least for me): Our Apologies We cannot find the page you requested. You may have incorrectly typed the address (URL) or clicked an outdated link. For some reason, the first attempt fails. Go back to the Fido page and click the link aga...
by feh
Fri Dec 14, 2018 1:19 pm
Forum: Investing - Theory, News & General
Topic: Will the 2008 recession help avoid severity of the next recession?
Replies: 40
Views: 2586

Re: Will the 2008 recession help avoid severity of the next recession?

MBB_Boy wrote:
Fri Dec 14, 2018 11:50 am
Beauty of politics. Policy isn't based on what's best at the time, it's based on who happens to be in power. One party will NEVER do tax cuts, even if it would be needed stimulus (didn't happen back the, right?).
IIRC, something like 50% of the '09 stimulus bill was tax cuts.
by feh
Thu Dec 13, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: Will the 2008 recession help avoid severity of the next recession?
Replies: 40
Views: 2586

Re: Will the 2008 recession help avoid severity of the next recession?

Not an economist or a psychologist, but I think the severity of the 08 recession was due to the cause: a near meltdown of global financial institutions.
by feh
Thu Dec 13, 2018 11:47 am
Forum: Investing - Theory, News & General
Topic: Ok to invest in an LLC?
Replies: 33
Views: 1703

Re: Ok to invest in an LLC?

boglerocks wrote:
Wed Dec 12, 2018 4:26 pm
I'm not sure I want to be written into the LLC from its inception.
Unless the members are setting aside membership units for future allocation, this option isn't available to you.
by feh
Tue Nov 27, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: LastPass Questions
Replies: 27
Views: 1771

Re: LastPass Questions

MikeG62 wrote:
Mon Nov 26, 2018 1:17 pm

I have been using LastPass (free version) for a few years now. Not sure why you could not both use the same single (free) account.
+1

This is what my spouse and I do.
by feh
Tue Nov 20, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Documenting High-Deductible Health Plan (HDHP) for IRS
Replies: 10
Views: 1154

Re: Documenting High-Deductible Health Plan (HDHP) for IRS

I'm just starting an HSA in 2019, so excuse my ignorance, but shouldn't you be contributing through your wife's payroll? Don't you save on Social Security and Medicare deductions that way? No. FICA comes off the top. Payroll contributions to an HSA reduce your SS and Medicare wages. You're absolute...
by feh
Tue Nov 20, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Documenting High-Deductible Health Plan (HDHP) for IRS
Replies: 10
Views: 1154

Re: Documenting High-Deductible Health Plan (HDHP) for IRS

Tdubs wrote:
Mon Nov 19, 2018 8:56 pm
I'm just starting an HSA in 2019, so excuse my ignorance, but shouldn't you be contributing through your wife's payroll? Don't you save on Social Security and Medicare deductions that way?
No. FICA comes off the top.
by feh
Fri Nov 16, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: total US bond fund for Fidelity account holders
Replies: 6
Views: 696

Re: total US bond fund for Fidelity account holders

I think I was confusing FSITX with Fidelity's total ex-US equities fund, which has actually underperformed the index.
by feh
Fri Nov 16, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: total US bond fund for Fidelity account holders
Replies: 6
Views: 696

Re: total US bond fund for Fidelity account holders

PFInterest wrote:
Fri Nov 16, 2018 9:20 am
why do you want/need something else? what are you looking for?
I vaguely remember seeing threads that FXNAX/FSITX has underperformed. If I have that wrong, please let me know.
by feh
Fri Nov 16, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: total US bond fund for Fidelity account holders
Replies: 6
Views: 696

total US bond fund for Fidelity account holders

Hello folks. I have some funds I need to invest in US total bond, in an account held at Fidelity. I've always used FSITX (recently converted to FXNAX) for this, but I'm considering using something else now. What IShare funds (free purchase at Fidelity) would people suggest? IUSB? AGG? Something else...
by feh
Wed Nov 14, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: rule of thumb for using HSA funds?
Replies: 40
Views: 3434

Re: rule of thumb for using HSA funds?

Next year, I plan to close out/pay for 2010 and 2011 qualified medical expenses and begin paying out current health insurance and Medicare premiums as they are incurred from our HSAs. Could somebody please confirm - insurance premiums (ie. for an ACA policy once retired) can be paid w/ HSA monies, ...
by feh
Wed Nov 14, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: rule of thumb for using HSA funds?
Replies: 40
Views: 3434

Re: rule of thumb for using HSA funds?

Thanks for all the replies folks. I think I'm starting to understand the pros & cons. I'm getting the sense that for a variety of reasons, it would make sense to not spend HSA funds in my situation (early 50s, earning a paycheck, maxing out retirement accounts). Once I'm fully retired (which will pr...
by feh
Tue Nov 13, 2018 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: rule of thumb for using HSA funds?
Replies: 40
Views: 3434

Re: rule of thumb for using HSA funds?

Follow-up question - at some point, the HSA funds should be spent for medical expenses. If they aren't used for current expenses, how do you determine when they should be used?
by feh
Tue Nov 13, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: rule of thumb for using HSA funds?
Replies: 40
Views: 3434

Re: rule of thumb for using HSA funds?

FWIW - all other retirement vehicles (401Ks and Roth IRAs) are being maxed out. The HSA contribution max is also being met. So, in a nutshell, it sounds like it's a question of trading the hassle of book-keeping vs long term investment gains in the HSA. How big of a hassle is it to retroactively app...
by feh
Tue Nov 13, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: rule of thumb for using HSA funds?
Replies: 40
Views: 3434

rule of thumb for using HSA funds?

Let's say you have $5000 in your HSA, and you have a medical expense of $4000. You also have funds available to pay that bill from savings.

Under what circumstances would it make sense to take the money from savings instead of the HSA?
by feh
Tue Nov 13, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA.com now has 2018 Return available.
Replies: 32
Views: 3549

Re: FreeTaxUSA.com now has 2018 Return available.

Does anybody with a K-1 use FreeTaxUSA? My LLC membership is the one aspect of our return that is uncommon.
by feh
Tue Nov 13, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Wanting to move my family but where to begin?
Replies: 21
Views: 2462

Re: Wanting to move my family but where to begin?

Madison/Dane County is a great area to raise a family.

I cannot compare the job market or cost of living to Indiana, though.
by feh
Tue Nov 13, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Feeling uneasy about recent splurge
Replies: 40
Views: 4063

Re: Feeling uneasy about recent splurge

Not directly related to the OPs question...our current inner spring mattress is about 15 years old, and I also occasionally have trouble sleeping. Given how much time we spend in bed, I wanted to try another mattress. The great thing about the newer memory foam mattresses (Tuft & Needle, Purple, Lee...
by feh
Thu Nov 08, 2018 11:44 am
Forum: Investing - Theory, News & General
Topic: Good explanation of how bond funds don't get crushed in rising rate environment
Replies: 65
Views: 6773

Re: Good explanation of how bond funds don't get crushed in rising rate environment

I own 2 "total bond" funds, both currently down about 2.5% for the year (nominal).

Looks like this is gonna be one of those rare years...
by feh
Thu Nov 08, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: Would you still jump if you were ready, then the market dropped 50%??
Replies: 40
Views: 4740

Re: Would you still jump if you were ready, then the market dropped 50%??

The math says it shouldn't matter to us.

Would I still jump? Probably not, but only because my employer makes it easy for me to work part time, which I would do until the dust cleared.
by feh
Sun Nov 04, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Rewards - Do you move the cash out of Fido?
Replies: 47
Views: 3561

Re: Fidelity Visa Rewards - Do you move the cash out of Fido?

linenfort wrote:
Fri Nov 02, 2018 4:21 pm
What do you guys do with the cash? Invest it in a Fidelity fund?
I transfer it to our Ally savings account.
by feh
Thu Nov 01, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 141
Views: 12995

Re: Core-4 Investing is LIVE! It really is this time!

After carefully reading all of the 6 portfolios. I came up with this for my Traditional IRA (old 401K rollover): ITOT (48%) VXUS (24%) PSCH (20%) FAHDX (8%) I really don't want to deviate from Rick's excellent choices but wanted to try eliminating REIT and added FAHDX for the bond. Any thoughts? Pl...
by feh
Thu Nov 01, 2018 10:26 am
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate = 0.5%
Replies: 90
Views: 8753

Re: I bond new rate posted - 2.83%

aristotelian wrote:
Thu Nov 01, 2018 9:38 am
Dang, wish I had waited to buy.
You can buy more in January.
by feh
Thu Nov 01, 2018 10:21 am
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate = 0.5%
Replies: 90
Views: 8753

Re: I Bond fixed rate = 0.5%

I'll be buying before May. Already purchased 2018 limit.
by feh
Tue Oct 30, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: E911 Service
Replies: 20
Views: 1081

Re: E911 Service

I use bulkvs.com
by feh
Fri Oct 26, 2018 8:30 am
Forum: Investing - Help with Personal Investments
Topic: TLH - first in, first out?
Replies: 1
Views: 258

TLH - first in, first out?

Hello folks. I'm considering doing a little tax loss harvesting. Sometime in the last year, I remember there was talk of changing the tax code so that when shares are sold, lots could not be chosen, but rather the shares held the longest time would be the ones sold (for tax purposes). Just want to m...
by feh
Thu Oct 25, 2018 1:36 pm
Forum: Investing - Theory, News & General
Topic: How do you define how/when you make or lose money?
Replies: 17
Views: 1450

Re: How do you define how/when you make or lose money?

Smoke wrote:
Thu Oct 25, 2018 12:10 am
When you sell.
And don't buy back in. Made money or Lost money.
+1
by feh
Tue Oct 23, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 58
Views: 5720

Re: Cross-country trip via Amtrak

Spent 24 hours on Amtrak summer of 2017. Sleeper is a must.

It was fun, since I hadn't done it before. However, the novelty wears off. Going across the entire country may be tedious.

If you choose to do this, I suggest flying back home.
by feh
Tue Oct 23, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 32
Views: 2759

Re: Do I need laptop software?

AllMostThere wrote:
Sun Oct 21, 2018 7:45 pm
Look at LibreOffice. It's a totally free suite of office products that IMO mirror MS Office with same functionality. I've been using it of years without issue. Go to https://www.libreoffice.org/
+1

For both windows and linux.
by feh
Tue Oct 16, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest maturing CDs
Replies: 9
Views: 883

Re: How to invest maturing CDs

If the money is long term, I suggest total bond.
by feh
Tue Oct 16, 2018 8:12 am
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10722

Re: Short Term Bond yield over 3%

I was in my accounts today and noticed that the SEC yield on the Vanguard Short Term Bond Fund (Admiral: VBIRX) is 3.01% :happy This is the fund where I am holding our living expenses for the first next two years of retirement (out years are in intermediate term). Last 12 month inflation was 2.7%. ...
by feh
Mon Oct 15, 2018 9:06 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10722

Re: Short Term Bond yield over 3%

I was in my accounts today and noticed that the SEC yield on the Vanguard Short Term Bond Fund (Admiral: VBIRX) is 3.01% :happy This is the fund where I am holding our living expenses for the first next two years of retirement (out years are in intermediate term). Last 12 month inflation was 2.7%. ...
by feh
Mon Oct 15, 2018 8:19 am
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10722

Re: Short Term Bond yield over 3%

peterinjapan wrote:
Sun Oct 14, 2018 11:12 pm
I know CD ladders can be unpopular here, but I am amazed at the current numbers. 3% for the 2 year through Fidelity!

https://fixedincome.fidelity.com/ftgw/f ... -new-issue
I've been considering the Fido bond ladder myself the last few weeks. I think it's a solid option.
by feh
Sun Oct 14, 2018 4:49 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer the best index products for a passive investor compared to Vanguard
Replies: 61
Views: 6343

Re: Does Fidelity offer the best index products for a passive investor compared to Vanguard

davidkw wrote:
Fri Oct 12, 2018 1:31 pm
You will get calls from the Fidelity reps to sell you other items.
Been a Fido customer for 5+ years and have never received such a call. Have met with my Fido rep twice in those 5 years, and never received a sales pitch.
by feh
Fri Oct 12, 2018 5:24 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10722

Re: Short Term Bond yield over 3%

Which makes me wonder. If you wanted to pay next years bills would you put you money in Money Market, or short term bond fund. I tried this experiment, YTD MM is ahead of short term bond fund. Next year might be different. When I buy short term bond funds, I plan on holding them for at least the av...