Search found 1145 matches

by feh
Wed Jan 31, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: Household Assets 1972-1982
Replies: 10
Views: 1766

Re: Household Assets 1972-1982

I've also seen data that only 5% of households owned stocks in 1980, so the above 11% in equities is kind of skewed higher by high dollar amounts in equities by those 5% of households (probably high income for the most part). I wasn't investing in the 70s (or the 80s), but I think that was a differ...
by feh
Tue Jan 30, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 187
Views: 22604

Re: Buying and Spending Bitcoin

Epsilon Delta wrote:
Tue Jan 30, 2018 3:39 pm
grayfox wrote:
Tue Jan 30, 2018 1:35 pm
Bitcoin in Freefall! :D
"Freefall" is an understatement. Powerdive with the throttle to the firewall would be closer.
Everything is relative. Is it abrupt compared to the S&P 500? Sure. Is it significantly different from the price change of bitcoin in the past? No.
by feh
Sat Jan 27, 2018 10:21 am
Forum: Investing - Theory, News & General
Topic: When did the bad news start in 2008?
Replies: 135
Views: 12619

Re: When did the bad news start in 2008?

Not trying to time the market here. Yes; yes you are. Here's a nice read from that time period: https://www.bogleheads.org/forum/viewtopic.php?t=25126 Here's another thread where the OP thought we might be near the top: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=203792 OP - don't try to ...
by feh
Sat Jan 27, 2018 10:11 am
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 12637

Re: Starting to feel like the late 1990s?

I find it harder to stick to my AA in up markets like this than in down markets. I am very tempted to try and market time despite knowing better when riding a wave up like this. Wasn't invested in the late 90's, didn't buy my first stock until 2000...I "know" the price today could be the best I wil...
by feh
Wed Jan 24, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: should I incorporate?
Replies: 1
Views: 138

should I incorporate?

Hello folks. I've been working for the same company for 10 years. In 2016, I started working part time as a transition to full retirement. I planned on working part time for maybe a year. When I went part time, I lost most benefits (vacation, sick time, health insurance), but I'm still able to contr...
by feh
Tue Jan 23, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 143
Views: 12764

Re: What is the best home exercise equipment?

Bacchus01 wrote:
Wed Jan 17, 2018 11:27 pm

Why in the world would you need all that? Starting a gym?
+1

My exercise equipment: inexpensive road bike, free weight bench and running shoes.
by feh
Tue Jan 23, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: How much house can we afford (Madison WI area)?
Replies: 25
Views: 2320

Re: How much house can we afford (Madison WI area)?

Hi Bogleheads, Long time lurker to the forum and certainly have learned a lot. Would really appreciate your thoughts/input regarding how much house we can afford. We are planning to buy a house in the Madison/Middleton, WI area either this or next year, and can't decide how much we should spend. Th...
by feh
Mon Jan 22, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 187
Views: 22604

Re: Buying and Spending Bitcoin

technovelist wrote:
Mon Jan 22, 2018 10:36 am
Sounds pretty fishy to me.
Tether definitely sounds fishy. However, it would take more to convince me that tether is what has been driving up the price of bitcoin.
by feh
Mon Jan 22, 2018 10:17 am
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 187
Views: 22604

Re: Buying and Spending Bitcoin

paywall

Does the author have any evidence, or is it based on assumptions?
by feh
Mon Jan 22, 2018 7:33 am
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 187
Views: 22604

Re: Buying and Spending Bitcoin

No, it is a problem with bitcoin, because if the people who run Tether are using their freshly printed "money" to buy bitcoin, that can drive the price of bitcoin up to unsustainable levels. The same would be true of any asset that can be purchased with "money" that can be produced in unlimited sup...
by feh
Sun Jan 21, 2018 9:12 pm
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 187
Views: 22604

Re: Buying and Spending Bitcoin

Tether, Bitcoin, ... , I use my credit card, get reward points, converted them into cash, and went on with my life with currency that is actually able to be used Can you explain the appeal of converting actual money into “cryptocurrency”? Serious request, I’m really trying to understand why this cr...
by feh
Sun Jan 21, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 187
Views: 22604

Re: Buying and Spending Bitcoin

The paper says that trading in cryptos is done OTC. Not through a regulated exchange. No regulation. :idea: :?: I am left wondering if bitcoin prices we see quoted are real. I'm pretty sure they are fake, driven by "Tether", which appears to be totally fraudulent, if this is correct: https://www.re...
by feh
Sun Jan 21, 2018 7:52 pm
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 187
Views: 22604

Re: Buying and Spending Bitcoin

The paper says that trading in cryptos is done OTC. Not through a regulated exchange. No regulation. :idea: :?: I am left wondering if bitcoin prices we see quoted are real. I'm pretty sure they are fake, driven by "Tether", which appears to be totally fraudulent, if this is correct: https://www.re...
by feh
Mon Jan 08, 2018 11:07 am
Forum: Investing - Theory, News & General
Topic: Early Retirement Planning Strategy
Replies: 16
Views: 2341

Re: Early Retirement Planning Strategy

Did it. Never considered an annuity. What did work was investing by maxing tax-advantaged accounts each year and also investing at least as much in a taxable account every year. So I think a regular taxable account invested tax-efficiently is much better than an annuity. +1 As a result, at age 51 a...
by feh
Fri Jan 05, 2018 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Cryptocurrency Exit Strategy
Replies: 52
Views: 4663

Re: Cryptocurrency Exit Strategy

You could say "sell half when I have 2xed my money" for example. I prefer something more like "sell 1/5 when I have 5xed my money". Then repeat if it goes up 10 and 20 times your original cost. This assumes this is what you hope will happen. :wink: :wink: +1 Assuming the amount you put into XRP is ...
by feh
Thu Jan 04, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Car headlights or Daytime Running Lights - what do you do?
Replies: 62
Views: 3818

Re: Car headlights or Daytime Running Lights - what do you do?

DRLs drive me crazy. I feel they do more harm than good.

During daylight, my lights are off.
by feh
Sun Dec 24, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Help Me [Recover] My Bitcoin!
Replies: 93
Views: 12185

Re: Help Me [Recover] My Bitcoin!

monsterid wrote:
Sun Dec 24, 2017 11:49 am
I thought he said he has the wallet ID and password?
He created a new wallet. He does not have access to the wallet used to receive the funds.
by feh
Fri Dec 22, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: Help Me [Recover] My Bitcoin!
Replies: 93
Views: 12185

Re: Help Me [Recover] My Bitcoin!

queso wrote:
Fri Dec 22, 2017 11:15 am

Honestly, I don't know how people with any significant percentage of their net worth in this stuff can handle the swings.
Which leads us to bitcoin axiom #1 - whatever funds one puts into cryptos should be money they are willing to lose. It's pure speculation.
by feh
Fri Dec 22, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Help Me [Recover] My Bitcoin!
Replies: 93
Views: 12185

Re: Help Me [Recover] My Bitcoin!

monsterid wrote:
Fri Dec 22, 2017 10:05 am
I'm not joking.

I have blockchain.info wallet and I use gemini to buy/sell. This is literally how I do it.
Yes, when you have the wallet that was used to receive the funds. The OP does not.
by feh
Fri Dec 22, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: Help Me [Recover] My Bitcoin!
Replies: 93
Views: 12185

Re: Help Me Cash Out My Bitcoin!

I can help you do this for a small fee =) (joking). 1.Go to www.gemini.com -> signup for an account, then goto Transfer Funds -> Deposit to Exchange -> BTC and copy the address you are given 2. Login to Blockchain.info Click on your "bitcoin wallet". Select "Send", past in the address you go from G...
by feh
Wed Dec 20, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: Help Me [Recover] My Bitcoin!
Replies: 93
Views: 12185

Re: Help Me Cash Out My Bitcoin!

And if the hacking works, please do not tell anybody about it but rather go after the billion dollar account as previously described here. +1 Knowing the address is useless. Without the private key, the funds are not accessible. I run a bitcoin node at home. I can see every transaction that has eve...
by feh
Wed Dec 20, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: Help Me [Recover] My Bitcoin!
Replies: 93
Views: 12185

Re: Help Me Cash Out My Bitcoin!

I'm far from "set." The coinbase transaction has not taken place as of now (and I doubt that it ever will). It's not logical that my BTC sand private key can be transfered to my coinbase wallet and not to other wallets. Besides, BTC is starting what may be it's inevitable crash and I still don't ha...
by feh
Tue Dec 19, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 249
Views: 35741

Re: Fidelity free Turbotax

abner kravitz wrote:
Tue Dec 19, 2017 4:57 pm
The link that was broken this morning is fixed - I was able to get it just now.
Confirmed. Successful download of Premier for $0.
by feh
Tue Dec 19, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Help Me [Recover] My Bitcoin!
Replies: 93
Views: 12185

Re: Help Me Cash Out My Bitcoin!

In fact it's not clear that they have any legal requirement to buy them at all on your behalf. I'd be shocked if this is how they operated. They'd be running a huge risk, because if the price increases from the time of purchase until you transfer them, they'd be on the hook for making up the differ...
by feh
Tue Dec 19, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: Help Me [Recover] My Bitcoin!
Replies: 93
Views: 12185

Re: Help Me Cash Out My Bitcoin!

All exchanges including coinbase will not give you private keys mainly due to the reason I cited - they pool all the crypto assets and store it in their wallets "securely". Although they show wallets under your accounts, these wallets in your account do not hold real crypto....however you have owne...
by feh
Tue Dec 19, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Help Me [Recover] My Bitcoin!
Replies: 93
Views: 12185

Re: Help Me Cash Out My Bitcoin!

I did that last night and it's hard to tell if it worked. Nothing said that the transaction went through and the balance in my coinbase wallet still shows zero. Will this work? Wouldn't it allow anyone to transfer public BTC into their own coinbase wallets? Reubin, it's really simple - without the ...
by feh
Tue Dec 19, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford it: Dodge Challenger
Replies: 122
Views: 6682

Re: Can I afford it: Dodge Challenger

Won’t be paying cash but I wouldn’t even if I had the cash: I can get a loan for 2.89% (I checked yesterday). As for assets: Roth IRA: $145k Roth 457: $12k My 401k : $12k (mostly Roth) Traditional IRA: $75k Pension fund: $70k Condo appraised at $175k Other than that I have a few grand in various ch...
by feh
Tue Dec 19, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 155
Views: 10828

Re: How much did you contribute to your 401k in 2017?

Wife and I both maxed out: $48K (not including company match)

Both 51 years old.
by feh
Tue Dec 19, 2017 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 249
Views: 35741

Re: Fidelity free Turbotax

I received the free download each of the last 2 years. Might be noteworthy that we have 7 figures w/ Fido.

Folks might be jumping the gun; I don't think it was available until mid January last year.
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: 61
Views: 2715

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: 61
Views: 2715

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: 61
Views: 2715

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: 45
Views: 3311

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: 187
Views: 22604

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: 187
Views: 22604

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: 187
Views: 22604

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: 2696

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: 581

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: 327

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: 2204

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: 4552

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: 4552

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: 4552

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: 5731

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: 7525

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: 4753

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: 4753

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: 4753

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: 4510

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: 6884

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.