Search found 1242 matches

by feh
Tue Oct 23, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 58
Views: 5151

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: 29
Views: 1766

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: 843

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: 10334

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: 10334

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: 10334

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: 5461

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: 10334

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...
by feh
Fri Oct 12, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10334

Re: Short Term Bond yield over 3%

dknightd wrote:
Fri Oct 12, 2018 4:52 pm
Are short term bonds really paying 3% ? I assume that is for individual bonds, not a bond fund
Yes, they are. Look at M* for yourself.
by feh
Fri Oct 12, 2018 8:22 am
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 38
Views: 3477

Re: anybody sell I Bonds to buy something else?

I think that there is a good chance that I will sell some/all to buy college educations for my kids over the course of the next few years. Just FYI - the interest is no longer tax free when used for education. Source? I was not aware that the Exclusion of Interest From Series EE and I U.S. Savings ...
by feh
Fri Oct 12, 2018 8:02 am
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 38
Views: 3477

Re: anybody sell I Bonds to buy something else?

Mursili wrote:
Thu Oct 11, 2018 9:56 pm
I think that there is a good chance that I will sell some/all to buy college educations for my kids over the course of the next few years.
Just FYI - the interest is no longer tax free when used for education.
by feh
Thu Oct 11, 2018 4:21 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10334

Re: Short Term Bond yield over 3%

DartThrower wrote:
Thu Oct 11, 2018 3:51 pm
In addition I know that I will be holding onto the fund long enough for the higher yield to benefit me.
+1

If you're holding onto the funds for 2-3+ years, there's no reason to be concerned about short term fluctuations in the NAV.
by feh
Thu Oct 11, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 38
Views: 3477

Re: anybody sell I Bonds to buy something else?

That is true. Taxes due in year of maturity. If one wants to smooth out the tax hit from bonds maturing in 2019, one has to start redeeming before the end of 2018. And pay attention to the accrual dates on the EE Bonds. I believe they only accrue interest semi-annually as opposed to I Bonds which a...
by feh
Wed Oct 10, 2018 11:54 am
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 38
Views: 3477

Re: anybody sell I Bonds to buy something else?

You don't buy I Bonds for their earnings. You buy them for protection from inflation. Victoria I think you buy them for both reasons. Unfortunately, you can't buy enough of them (at least I can't) to adequately protect our portfolio from inflation, due to the annual limits. For that reason, we also...
by feh
Wed Oct 10, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 38
Views: 3477

anybody sell I Bonds to buy something else?

Hi folks. For the last few years, I've been buying my annual limit of I Bonds. I consider them a 2nd tier emergency fund; don't plan on really selling them unless absolutely necessary. I'm rethinking that approach, given the recent increases in interest rates. I could use those funds and very likely...
by feh
Tue Oct 09, 2018 9:32 pm
Forum: Investing - Theory, News & General
Topic: Child is HS senior: Should college fund have any equities?
Replies: 28
Views: 2277

Re: Child is HS senior: Should college fund have any equities?

The reason why private vs. public school is a consideration is because I have enough to fund public school right now with low risk assets, but if my child goes to private school I don't have nearly enough in the low risk funds. I won't know whether she goes to public or private school until March, ...
by feh
Tue Oct 09, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: Child is HS senior: Should college fund have any equities?
Replies: 28
Views: 2277

Re: Child is HS senior: Should college fund have any equities?

In my college fund, I've got enough in Vanguard Total Bond and Prime MM to send my child to a state university for 4 years. Fortunately (or unfortunately?), she may gain entry into a top private college at 2.5 times the cost. With college only a year away, should I be selling equities in the colleg...
by feh
Tue Oct 09, 2018 4:07 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10334

Re: Short Term Bond yield over 3%

Which is why I'll be putting most of the proceeds from my recently matured NWFCU CD into VFSUX instead of another CD.
by feh
Tue Sep 25, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 5985

Re: Oil change interval for low-mileage vehicles

TxAg wrote:
Tue Sep 25, 2018 2:04 am
I've asked mechanics the same question and was told once per year. It has worked well for me.
+1, for this specific situation.
by feh
Tue Sep 25, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 7401

Re: Fed up with health insurance situation

Thread locking in 3...2... Without getting into politics, I will say that I checked my year end pay stub last year and noticed a line for my employer health coverage contribution. We only pay $100/mo fornour HSA because the employer is picking up something like $15K. If your company can't shoulder ...
by feh
Thu Sep 20, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8766

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: 926

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: 361
Views: 38511

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: 6538

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: 521

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: 1471

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: 5818

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: 7237

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: 13651

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: 13651

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: 14691

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: 5013

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: 1512

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: 1512

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: 5013

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: 1512

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: 1512

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: 5013

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: 2983

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: 5013

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: 4232

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: 7479

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: 5946

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: 10522

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: 35520

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: 1983

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: 4830

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: 472

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: 472

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: 18491

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...