Search found 1116 matches

by feh
Mon Dec 11, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 57
Views: 1871

Re: What MPG App Do You Use To Track Fuel Usage ?

As previously mentioned, bad MPG can indicate a problem w/ the car. As an example - I can't remember the proper term, but there is a device that analyzes the contents of engine exhaust. This device had burned out on a car I once owned. I replaced that sensor and my MPG went from 20 to 26 overnight....
by feh
Mon Dec 11, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 57
Views: 1871

Re: What MPG App Do You Use To Track Fuel Usage ?

None. Why would I waste my time tracking something that I have very little ability to change? The data is noise and not actionable. If I drive with a lighter foot and get an extra 2mpg, I'm going to save $100 a year? Do I need to track every tank of gas in order to know that my driving style impact...
by feh
Mon Dec 11, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 57
Views: 1871

Re: What MPG App Do You Use To Track Fuel Usage ?

stan1 wrote:
Sat Dec 09, 2017 10:39 am
I've used Fuelly in the past. Right now I don't track fuel economy.
+1 for fuelly

We have 2 cars that calculate MPG themselves, and they are both off by 5-10% (on the optimistic side).
by feh
Sun Dec 10, 2017 6:06 pm
Forum: Investing - Theory, News & General
Topic: What mix of intermediate and short term bonds?
Replies: 44
Views: 1997

Re: What mix of intermediate and short term bonds?

Stormbringer wrote:
Sun Dec 10, 2017 1:03 pm
Are you in a position to build a CD ladder? I recently switched a portion of my IT bond holdings into CDs, which seem to enjoy a bit higher interest rate.
+1

OP - if you aren't comfortable just holding IT bonds, consider all shorter duration fixed income options.
by feh
Sat Nov 25, 2017 8:36 am
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 97
Views: 9844

Re: Buying and Spending Bitcoin

There's no better way to learn than by doing. Feel free to post your experiences on this thread. Your experiences speak volumes. At the moment, using bitcoin for every day purchases does not make sense; the fees are too high. While I've never done it, it sounds as though using litecoin may be feasi...
by feh
Fri Nov 24, 2017 2:47 pm
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 97
Views: 9844

Re: Buying and Spending Bitcoin

Litecoin does what Bitcoin was supposed to do, but doesn't! No wonder everyone at the Crypto Cafe is using Litecoin, and no one is using Bitcoin. Not to be a buzzkill, but... I don't know how cryptocurrencies are treated in the UK or Europe, but here in the US, they are considered "intangible prope...
by feh
Tue Nov 21, 2017 1:14 pm
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 97
Views: 9844

Re: Buying and Spending Bitcoin

I don't think anybody "investing" in Bitcoin is looking at it as a lifelong asset to bequeath to heirs. They are looking to get rich before the bubble pops. Even if this is true, the problem persists. Perhaps the person that purchased the bitcoins dies unexpectedly; if they didn't leave explicit in...
by feh
Wed Nov 15, 2017 9:17 pm
Forum: Investing - Theory, News & General
Topic: Do you subscribe to taking risk only on the equity side
Replies: 40
Views: 2435

Re: Do you subscribe to taking risk only on the equity side

We have a small percentage (~10%) of our fixed income in a bank loan fund. I realize the NAV will fall when the economy stumbles, but the 4% return is nice.
by feh
Fri Nov 10, 2017 12:00 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation Consideration
Replies: 5
Views: 533

Re: Asset Allocation Consideration

I suggest doing a search. This topic has been discussed many, many times.
by feh
Tue Nov 07, 2017 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Would it be foolish to rebalance treasuries before Dec?
Replies: 3
Views: 282

Re: Would it be foolish to rebalance treasuries before Dec?

I am not sure if this qualifies as market timing. My equity side has drifted enough to need rebalancing. Would it be foolish to rebalance today instead of after the rate hike in December? The rebalance would be into Vanguard Intermediate Term Govt. Bond, which is federal debt with a 5.2 year durati...
by feh
Tue Nov 07, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: How Much should I fund my HSA and Why?
Replies: 21
Views: 1898

Re: How Much should I fund my HSA and Why?

Nyc10036 wrote:
Mon Nov 06, 2017 8:47 pm

My question is whether it still makes sense to max fund a HSA when one is in their 50s versus some in their 20s like the OP?
Absolutely. Beats the h3ll out of paying for medical services w/ after-tax dollars.
by feh
Wed Nov 01, 2017 6:26 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate 0.10% [November rate announced]
Replies: 31
Views: 4176

Re: I Bond fixed rate 0.10%

To simplify the argument, let's take CDs out of the picture...as of today, would you choose a short term bond fund (like VFSUX, avg duration 2.6 years, 2% yield) or IBonds? I would go with I-Bonds for the following reasons: 1. The principal amount is guaranteed by the U.S. government. 2. The intere...
by feh
Wed Nov 01, 2017 4:31 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate 0.10% [November rate announced]
Replies: 31
Views: 4176

Re: I Bond fixed rate 0.10%

To simplify the argument, let's take CDs out of the picture...as of today, would you choose a short term bond fund (like VFSUX, avg duration 2.6 years, 2% yield) or IBonds? I would go with I-Bonds for the following reasons: 1. The principal amount is guaranteed by the U.S. government. 2. The intere...
by feh
Wed Nov 01, 2017 2:15 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate 0.10% [November rate announced]
Replies: 31
Views: 4176

Re: I Bond fixed rate 0.10%

So, I have a question for y'all... Let's say you wanted to invest some money in a short-term, low volatility vehicle. Potential scenario - 2nd tier of emergency fund. You may need the funds in 6 months, or you may never touch them. To simplify the argument, let's take CDs out of the picture...as of ...
by feh
Thu Oct 26, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: No true pay as you go [cellphone plan]
Replies: 63
Views: 5252

Re: No true pay as you go [cellphone plan]

tello.com

I know it works on the Sprint network; not sure if it supports others.
by feh
Mon Oct 09, 2017 10:44 am
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 105
Views: 7039

Re: Has your "risk tolerance" been tested?

I was investing during both the 2001-3 and 2008-9 periods. Was 100% equities both times, and didn't sell anything.

PS - now that I am on the cusp of retirement, our AA is 60/40
by feh
Tue Oct 03, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4487

Re: Waxing my car!

I hate waxing, but live in a state where plenty of salt is used on the roads in the winter. I want something that protects for a long time, which is Zaino. I too live in a state that uses salt and haven't waxed any of my cars which are 3, 10 (just traded off two months ago), & 20 years old. None of...
by feh
Tue Oct 03, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4487

Re: Waxing my car!

I use Zaino. +1 I hate waxing, but live in a state where plenty of salt is used on the roads in the winter. I want something that protects for a long time, which is Zaino. How long does is protect? What is your initial wax and then what and how often do you do maintenance wax? I always associated Z...
by feh
Tue Oct 03, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4487

Re: Waxing my car!

Beck49 wrote:
Sat Sep 30, 2017 8:49 pm
I use Zaino.
+1

I hate waxing, but live in a state where plenty of salt is used on the roads in the winter. I want something that protects for a long time, which is Zaino.
by feh
Tue Oct 03, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 4256

Re: I bought a car without thinking too much about value

My only comment is that I wouldn't buy electric if only driving 5K miles per year.
by feh
Tue Sep 26, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 95
Views: 6628

Re: What is your favorite reasonably priced bourbon?

Ketawa wrote:
Sat Sep 23, 2017 8:05 am

Four Roses Single Barrel
Four Roses Small Batch
The regular yellow label Four Roses is quite good, and even less expensive.
by feh
Tue Sep 19, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 26472

Re: Calling out the not so rich bogleheads

I've always thought bogleheads was more about attitude than net worth.

There are a lot of LBYM types here, and lots of wealthy people here. Probably because one leads to the other.
by feh
Sun Sep 17, 2017 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 95
Views: 11527

Re: please confirm: early retirement

Debating about the possibility of early retirement too, but I'm thinking part time work may be good to start with. I have no regrets; just thankful my employer was ok with the change. I don't think I'll have any trouble w/ full retirement. I'm not the least bit bored the 5 days of the week I'm not ...
by feh
Sun Sep 17, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26374

Re: Iphone X is $1000

I paid $85 for my Moto G 3 years ago, and it does everything I need it to.

No way I'm paying $$$ for an Apple product.
by feh
Sat Sep 16, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 95
Views: 11527

Re: please confirm: early retirement

Feh: Did you you take the plunge and retire early? Any updates on how it's going? Wow, thread dredge! :P I went part time (2 days/week) in July of '16. Main reasons I didn't fully retire: want to keep my foot in the door if I didn't like all the free time. I'm in technology, so if I quit, it may be...
by feh
Thu Sep 14, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: 3Q2017 Estimated taxes are due 15 Sep 2017
Replies: 14
Views: 880

Re: 3Q2017 Estimated taxes are due 15 Sep 2017

I paid my Q3 taxes today, but for Q2, I was a couple weeks late (paid July 5). The amount owed was $1600. What am I realistically looking at as far as penalty is concerned, like 20 bucks? There is an IRS form that will lead you to the amount you owe, but it's rather complex. I don't know what will ...
by feh
Tue Sep 12, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Relocate for Early Retirement?
Replies: 41
Views: 3960

Re: Relocate for Early Retirement?

We are planning on moving in a couple years, once we are empty-nesters. Going from WI to CO.

COL may be a bit higher, but geography, weather and taxes will all be better.
by feh
Mon Sep 11, 2017 11:21 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in 3-fund indexed portfolio?
Replies: 191
Views: 16653

Re: Bitcoin in 3-fund indexed portfolio?

Thanks for replying. This sounds like a reasonable strategy. You seem to have done good home work :) I guess with Armory you are downloading the whole blockchain. I was leaning towards Electrum, but of course if you have the disk space, Armory would be more secure. Yes, Armory seems to be one of th...
by feh
Mon Sep 11, 2017 11:02 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in 3-fund indexed portfolio?
Replies: 191
Views: 16653

Re: Bitcoin in 3-fund indexed portfolio?

Very useful and well rounded reply. Thanks for doing so. I found your whole post to be very informative, and for completeness sake, due to your direct experience would like to ask a few follow ups: 1. What exchange do you use? In my research I only found GDAX and Gemini that accept ACH. 2. What wal...
by feh
Thu Sep 07, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 5263

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

My own observation on upper middle class students who are great, but not the off-the-chart ones who cure cancer and create world peace, is this: Their academic accomplishment will get them a choice: Scholarships at good but not "name" institutions, OR entrance into top, "name" institutions, but pro...
by feh
Thu Sep 07, 2017 7:22 am
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 5263

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

OP, It was our experience that state universities printed in black and white the amount of scholarship provided based on the ACT score, e.g. 33-36 = full tuition, 29-32 = $2500 per year, etc. I assume you've read their material? Good luck! A quick search indicates Wisconsin does not have such autom...
by feh
Wed Sep 06, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 5263

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

Our son, now a college sophomore, received a 27 (3 times) on the ACT. His GPA was fairly high. He was offered $1,000 from our in-state flagship university. He was offered $80,000 in renewable scholarships ($20k per year) from a private school. He eventually chose the private. Whether private or pub...
by feh
Tue Sep 05, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 5263

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

<< He has interests/talents in the arts (graphic design, industrial design) as well as STEM (engineering, physics). >> There is no way that he is really interested in those areas. The personality type and temperament needed to work and succeed in each area are totally different. The more accurate s...
by feh
Tue Sep 05, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 5263

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

1) What is his intended major? This is the biggest unknown at this point. He has interests/talents in the arts (graphic design, industrial design) as well as STEM (engineering, physics). We've been trying to find schools strong in both areas, so that if he changes his mind he won't have to transfer.
by feh
Tue Sep 05, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 5263

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

A considerable (in my opinion) amount has been set aside for college, so a full ride is not necessary. However, what is in the bank will not pay for 4 years at a $40K+ school. feh, But, depending on his career choice and major, a graduate degree maybe necessary. Not spending all the money for an un...
by feh
Tue Sep 05, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 5263

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

Crazy to think that doesn't get you everything at some universities. I was a 3.8 GPA and 27 ACT, and got a full tuition scholarship to a smaller, in-state public university. Is he dead set on a university that won't give him a full ride? I lived at home while I went to college, so it was all covere...
by feh
Tue Sep 05, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 5263

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

University of Wisconsin is an excellent school. Yup, I know. It's my alma mater. :D When I was in Urbana-Champaign many of my ME professors came from Madison. It's irrational to pay out-of-state tuition for a public school if you have a good one in your own state. Victoria Interestingly enough, Ill...
by feh
Tue Sep 05, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 5263

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

snowman wrote:
Tue Sep 05, 2017 11:44 am

How did your son do on PSAT?
To the best of my knowledge, he did not take the PSAT.
by feh
Tue Sep 05, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 5263

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

spoco79 wrote:
Tue Sep 05, 2017 11:37 am
College professor here

What state are you in?
Wisconsin.

In-state schools are a possibility, but aren't currently near the top of his list.
by feh
Tue Sep 05, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 5263

how often does high ACT score == scholarship?

Hi folks. My son (a HS senior) is in college application mode. Most of the schools he's interested in are large, research-oriented public schools (think Big 10). Most of them are out-of-state, which makes them a pricey option. He does not have a stellar GPA (around 3.6), but he did really well on th...
by feh
Wed Aug 30, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: Learning from loss
Replies: 23
Views: 2977

Re: Learning from loss

Many of those here have experienced some significant investment losses over the years. What have you learned about investing, and maybe about yourselves from these financial losses? Are you referring to an actual loss (selling an asset at a price lower than you paid), or a reduction in value of an ...
by feh
Mon Aug 14, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: What % of income to buy a car is not excessive?
Replies: 48
Views: 3882

Re: What % of income to buy a car is not excessive?

whodidntante wrote:
Sun Aug 13, 2017 9:41 pm
I don't view % of income as good way to decide and I've never decided that way.
+1

I've never understood this type of thinking. Leads to lifestyle creep.
by feh
Thu Aug 10, 2017 9:01 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 7003

Re: What Percentage CASH are you?

Less than 1% of portfolio. Of course, that value depends on your definition of "cash". I do not consider money in CDs as cash.
by feh
Tue Aug 08, 2017 10:55 am
Forum: Investing - Theory, News & General
Topic: FSITX Question (Fidelity Total Bond Index Fund)
Replies: 7
Views: 1055

Re: FSITX Question (Fidelity Total Bond Index Fund)

I have a tax deferred account (IRA) at Fidelity. I like the idea of Vanguard's Total Bond Fund. Is FSITX a good thing to invest in or should I consider asking Vanguard to move the IRA to Vanguard? Or should I consider buying whatever ETF Index Fund I like at Fidelity and buy that? Thanks for the he...
by feh
Tue Aug 01, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA: if known result, why complete?
Replies: 44
Views: 2992

Re: FAFSA: if known result, why complete?

Some private schools provide help above and beyond that... The FAFSA is the starting point for finding out what they might do. Well, it was admissions people at public universities that made this comment, so my question still stands. I ran through an online calculator and our estimated family contr...
by feh
Tue Aug 01, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA: if known result, why complete?
Replies: 44
Views: 2992

FAFSA: if known result, why complete?

Hi folks. Son will be attending college in one year, so applications are going out this fall. We've been on several campus tours, and I've heard admissions people say "fill out the FAFSA, even if you don't think you'll receive anything". My question is: why? Given our investment portfolio, we will n...
by feh
Thu Jul 20, 2017 8:27 am
Forum: Investing - Help with Personal Investments
Topic: anybody dabble in venture capital?
Replies: 24
Views: 2103

Re: anybody dabble in venture capital?

whodidntante wrote:So you have a little gamble in you, eh? May I suggest poker? :happy
Been there, done that. :wink:

Made profits, but too much of a grind.
by feh
Tue Jul 18, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: anybody dabble in venture capital?
Replies: 24
Views: 2103

Re: anybody dabble in venture capital?

TomatoTomahto wrote: I meant why would they let you give them money?
Why would they not want my money?
by feh
Tue Jul 18, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: anybody dabble in venture capital?
Replies: 24
Views: 2103

Re: anybody dabble in venture capital?

alex_686 wrote:Why venture capital? Why not hedge funds or private equity? Direct real estate investment?
I'm not interested in real estate. Hedge funds or private equity are options I'd be willing to learn more about.

Anybody aware of online sources that discuss the pros/cons of such "alternative" investments?
by feh
Tue Jul 18, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: anybody dabble in venture capital?
Replies: 24
Views: 2103

Re: anybody dabble in venture capital?

TomatoTomahto wrote: What do you bring to the table that would make you a worthwhile investor?
I doubt the firms I am aware of care about anything besides the money I could provide. Am I wrong?