Search found 769 matches

by dcabler
Thu Feb 14, 2019 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Taxes - Do you use the 1099 summaries or detailed views?
Replies: 16
Views: 1469

Re: Taxes - Do you use the 1099 summaries or detailed views?

Your brokerage probably sent you some consolidated 1099s. In them, there's usually a summary page and a more detailed breakdown of the individual securities. Do you use the summaries or do you create entries for each security? Does it matter? I'd rather use the summaries if it makes no difference t...
by dcabler
Thu Feb 14, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Newlyweds and joint accounts for household expenses
Replies: 120
Views: 5496

Re: Newlyweds and joint accounts for household expenses

It’s just so much easier to open a new checking account and have all of your paychecks go into that one account going forward. +1 When we got married 30 years ago, we tried his, hers, and ours checking accounts. What a total pain in the butt! Lasted about 6 months before we stopped that. One checki...
by dcabler
Wed Feb 13, 2019 1:50 am
Forum: Personal Finance (Not Investing)
Topic: Newlyweds and joint accounts for household expenses
Replies: 120
Views: 5496

Re: Newlyweds and joint accounts for household expenses

It’s just so much easier to open a new checking account and have all of your paychecks go into that one account going forward. +1 When we got married 30 years ago, we tried his, hers, and ours checking accounts. What a total pain in the butt! Lasted about 6 months before we stopped that. One checki...
by dcabler
Mon Feb 11, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Newlyweds and joint accounts for household expenses
Replies: 120
Views: 5496

Re: Newlyweds and joint accounts for household expenses

It’s just so much easier to open a new checking account and have all of your paychecks go into that one account going forward. +1 When we got married 30 years ago, we tried his, hers, and ours checking accounts. What a total pain in the butt! Lasted about 6 months before we stopped that. One checki...
by dcabler
Mon Feb 11, 2019 1:51 am
Forum: Personal Consumer Issues
Topic: Passport Photos ?
Replies: 85
Views: 3522

Re: Passport Photos ?

Costco does passport photos for $4.99. https://www.costco.com/Passport,-Permanent-Resident-and-Citizenship-Photos.product.100142614.html They're definitely cheap. But when I renewed my passport photo the last time, the photos from Costco were rejected due to background color. YMMV, of course. Alway...
by dcabler
Sun Feb 10, 2019 3:50 am
Forum: Personal Consumer Issues
Topic: How many hours do you work and what do you outsource
Replies: 88
Views: 7333

Re: How many hours do you work and what do you outsource

Senior Leadership role here with wife as stay at home mom, formerly employed in the same industry as me. For years, we outsourced lawn care and housecleaning. Wife continued to do laundry and I did our own pool maintenance. Then in 2013, I was between jobs, and we went back to doing lawncare and hou...
by dcabler
Mon Feb 04, 2019 2:04 am
Forum: Investing - Theory, News & General
Topic: Unconventional investment choices
Replies: 79
Views: 5783

Re: Unconventional investment choices

My wife and I are at 80% stocks (passive, maximally diversified) in early retirement (mid 50s) and the plan of record is to keep it that way till the end. We view the 20% (intermediate-term) bonds as a glorified emergency fund. I guess this makes us unconventional on this board. As a related topic,...
by dcabler
Thu Jan 31, 2019 3:35 pm
Forum: Personal Investments
Topic: High Earners Mostly Use Taxable Accounts?
Replies: 167
Views: 13311

Re: High Earners Mostly Use Taxable Accounts?

100%. Yep, it can happen. For me, though, it's currently about 60% tax advantaged and 40% taxable. I guess I was misunderstood. 100% referred to my agreement with AZAttorney. It did not refer to the percentage of assets in after-tax. Ah, OK. Usually when people strongly agree on this forum they use...
by dcabler
Wed Jan 30, 2019 10:45 am
Forum: Investing - Theory, News & General
Topic: FIRECalc, do you accept their assumption?
Replies: 91
Views: 6987

Re: FIRECalc, do you accept their assumption?

It's a tool, just like any other. Because the withdrawal method I'm likely to use (a PMT variant of VPW) is not covered by firecalc, I primarily only use it as a rough "am I ready" guide - one of many. Regarding any assumption, certainly all possible combinations of individual asset returns, in the ...
by dcabler
Tue Jan 29, 2019 12:21 pm
Forum: Investing - Theory, News & General
Topic: What did you learn from 2018 in the markets?
Replies: 104
Views: 5942

Re: What did you learn from 2018 in the markets?

Nothing. I already knew that markets go up and markets go down....
by dcabler
Tue Jan 29, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: What Percentage of Your Pre-Retirement Income are You Projecting You Will Need?
Replies: 108
Views: 7055

Re: What Percentage of Your Pre-Retirement Income are You Projecting You Will Need?

I'm not retired yet, and I don't use a % but I've looked at it two ways. Tops down: Start with my annual salary and removing things such as: 401K contributions, taxable savings deposits, medicare contributions, SS contributions etc., taking into account which things are removed pre-tax and which are...
by dcabler
Tue Jan 29, 2019 7:34 am
Forum: Personal Investments
Topic: High Earners Mostly Use Taxable Accounts?
Replies: 167
Views: 13311

Re: High Earners Mostly Use Taxable Accounts?

The short answer is yes -- high earners who are also high savers sometimes end up with taxable accounts that are substantially larger than tax-advantaged accounts. 100%. Yep, it can happen. For me, though, it's currently about 60% tax advantaged and 40% taxable. I guess I was misunderstood. 100% re...
by dcabler
Tue Jan 29, 2019 6:45 am
Forum: US Chapters
Topic: How Did You End Up Here?
Replies: 58
Views: 3648

Re: How Did You End Up Here?

I started off with stocks in the 1980's with a Schwab account with things like "dogs of the dow" after reading Motley Fool. Company added a 401K and I was introduced to the world of mutual funds. In the early 1990's I opened up a taxable mutual fund account at Fidelity. Put each year's raise into th...
by dcabler
Mon Jan 28, 2019 4:10 pm
Forum: Personal Investments
Topic: High Earners Mostly Use Taxable Accounts?
Replies: 167
Views: 13311

Re: High Earners Mostly Use Taxable Accounts?

AlphaLess wrote:
Mon Jan 28, 2019 1:21 am
AZAttorney11 wrote:
Sun Jan 27, 2019 7:54 pm
The short answer is yes -- high earners who are also high savers sometimes end up with taxable accounts that are substantially larger than tax-advantaged accounts.
100%.
Yep, it can happen. For me, though, it's currently about 60% tax advantaged and 40% taxable.
by dcabler
Sun Jan 27, 2019 8:57 am
Forum: Personal Investments
Topic: Whole Portfolio Approach.
Replies: 8
Views: 756

Re: Whole Portfolio Approach.

Really interested if, given the Bogleheads Wiki link below, any bogleheads try to achieve this. It talks about mirrored allocation in all accounts and also a whole portfolio approach where there should "ideally" be no more than five "splits." I'm really trying to think of the whole portfolio approa...
by dcabler
Sun Jan 27, 2019 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Why doesn't a lot of money feel like a lot of money?
Replies: 205
Views: 21228

Re: Why doesn't a lot of money feel like a lot of money?

Hi Bogleheads, My husband received notice of his bonus today and it is very large. It's more than we could have dreamed of not too long ago. But the strange thing is, it doesn't feel like I thought it would feel. There's not much excitement, more of just a recognition. We have avoided lifestyle cre...
by dcabler
Sat Jan 19, 2019 12:04 pm
Forum: Investing - Theory, News & General
Topic: delete
Replies: 85
Views: 6231

Re: What active management stock funds would you own?

I own FLPSX (Fidelity Low Priced Stock). Bought it years ago and it's done well, but over the last decade or so, it really hasn't outperformed other index options I have. Had it in both my deferred accounts and taxable, but over the years as I became more BH-like, I sold it in my deferred accounts ...
by dcabler
Sat Jan 19, 2019 8:19 am
Forum: Investing - Theory, News & General
Topic: any issues with FUAMX (Fidelity Intermediate Treasury Bond Index)? better alternatives?
Replies: 14
Views: 945

Re: any issues with FUAMX (Fidelity Intermediate Treasury Bond Index)? better alternatives?

For the intermediate treasury component of my taxable portfolio, I was thinking of using Fidelity Intermediate Treasury Bond Index (FUAMX, formerly FIBIX or FIBAX, depending on share class). It seems to be a great option, with a low ER of .03% (compare to .07% for Vanguard's intermediate treasury i...
by dcabler
Sat Jan 19, 2019 8:06 am
Forum: Investing - Theory, News & General
Topic: Tell me your HSA strategy/advice
Replies: 52
Views: 4888

Re: Tell me your HSA strategy/advice

I don't include it as part of my entire AA - It's only about 0.25% of my total investments, and unlikely to ever become much larger, as a percentage, due to my age. - I intend to use the invested part solely for medical expenses post retirement and I fully expect to exhaust it long before I exhaust ...
by dcabler
Sat Jan 19, 2019 7:55 am
Forum: Investing - Theory, News & General
Topic: delete
Replies: 85
Views: 6231

Re: What active management stock funds would you own?

I own FLPSX. Bought it years ago and it's done well, but over the last decade or so, it really hasn't outperformed other index options I have. Had it in both my deferred accounts and taxable, but over the years as I became more BH-like, I sold it in my deferred accounts and replaced it with small/m...
by dcabler
Sat Jan 19, 2019 7:28 am
Forum: Investing - Theory, News & General
Topic: delete
Replies: 85
Views: 6231

Re: What active management stock funds would you own?

I own FLPSX (Fidelity Low Priced Stock). Bought it years ago and it's done well, but over the last decade or so, it really hasn't outperformed other index options I have. Had it in both my deferred accounts and taxable, but over the years as I became more BH-like, I sold it in my deferred accounts a...
by dcabler
Sat Jan 19, 2019 6:56 am
Forum: Personal Investments
Topic: Where Do HSAs Fit in Asset Location?
Replies: 48
Views: 2898

Re: Where Do HSAs Fit in Asset Location?

Does no one here actually use it for its intended use, being medical expenses? I do, partially. We pay for medical expenses from our HSA up until we meet the deductible, which we do every year sometime during the summer. From that point onwards, we pay out of pocket and further deposits into the HS...
by dcabler
Sat Jan 19, 2019 6:30 am
Forum: Investing - Theory, News & General
Topic: 401K matching and front loading
Replies: 15
Views: 1071

Re: 401K matching and front loading

I front load. My current plan allows for up to 75% of my paycheck to go into my 401K. Previous employer was 90%. Anyway, by March I've fully maxed out my 401K for the year. What I miss in matching by not spreading my 401K withholding more or less evenly over the whole year is deposited sometime in Q...
by dcabler
Fri Jan 18, 2019 4:50 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 269
Views: 13508

Re: My trend following strategy and experience

...this system calls me to own stocks unless both (1) the U.S. unemployment rate (UER) is above its 12 month moving average and (2) all available stock indexes are below their 7 month moving average (the Philosophical Economist used the 10 month moving average, which is roughly analogous to the wid...
by dcabler
Thu Jan 17, 2019 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 236
Views: 40610

Re: What to do when a parent's money runs out?

Man, it's really amazing reading this thread. I had a similar issue for a few years, but it ended up working out well for all involved. Parents lived in the same town where I was raised - in a LCOL area. But the house they were living in was rented and, really, a piece of cr*p. So, I decided to buy ...
by dcabler
Wed Jan 16, 2019 7:05 am
Forum: Investing - Theory, News & General
Topic: When/why have you needed customer service from Fido, VG, Schwab etc.?
Replies: 30
Views: 1582

Re: When/why have you needed customer service from Fido, VG, Schwab etc.?

This is not a "VG vs. CS vs. Fido" thread, I hope it does not come off that way. However, one of the more striking difference of the 3 is the access to physical branches. I'm curious to know when/why have you needed customer service assistance? Were the issues IT related, book keeping/accounting re...
by dcabler
Tue Jan 15, 2019 3:46 pm
Forum: Investing - Theory, News & General
Topic: Historical Bond Returns - Shiller: From Rates to Returns [Bond Fund Simulator]
Replies: 277
Views: 37052

Re: Historical Bond Returns - Shiller: From Rates to Returns [Bond Fund Simulator]

It would seem that an index fund is going to be easier to match with a model. By definition, the makeup of an actively-managed bond fund is going to change over time in an unpredictable way, so it would seem that it would be more difficult to model. A few years ago, I compared the holdings of the V...
by dcabler
Mon Jan 14, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: How do I stop jeans from ripping in the thighs?
Replies: 70
Views: 4405

Re: How do I stop jeans from ripping in the thighs?

Does anybody have had this problem and wants to share a great fix to prevent or at least minimize wear and tear on Jeans. It always happens to me after a year of wearing and I don't like to through Jeans out which are still intact expect the inner thighs region. Any tips? I've mainly had this happe...
by dcabler
Sun Jan 13, 2019 5:16 pm
Forum: Investing - Theory, News & General
Topic: Simba's backtesting spreadsheet [a Bogleheads community project]
Replies: 1136
Views: 643229

Re: Simba's backtesting spreadsheet [a Bogleheads community project]

An interesting question which was asked on the bond fund model thread (click on the tiny arrows to check the context). Here is my thinking. More opinions welcome. Second, but related question, is whether Simba should switch over to the pure index funds instead of the managed ones Yes, this is a leg...
by dcabler
Sun Jan 13, 2019 11:13 am
Forum: Investing - Theory, News & General
Topic: Historical Bond Returns - Shiller: From Rates to Returns [Bond Fund Simulator]
Replies: 277
Views: 37052

Re: Historical Bond Returns - Shiller: From Rates to Returns [Bond Fund Simulator]

So if the purpose is to just compare the methodology for generating price returns vs. reality, and if the Fido data goes back the farthrest, is the 10-4 model close enough, or should there be a modification to the spreadsheet to add something that better approximates the Barclays index that Fido us...
by dcabler
Sun Jan 13, 2019 10:49 am
Forum: Investing - Theory, News & General
Topic: Historical Bond Returns - Shiller: From Rates to Returns [Bond Fund Simulator]
Replies: 277
Views: 37052

Re: Historical Bond Returns - Shiller: From Rates to Returns [Bond Fund Simulator]

Isn't the total return data from longinvest's spreadsheet originally calibrated (or at least compared) to the somewhat-active versions of Vanguard's bond funds, not their newer passive counterparts? Not sure how much difference trying to change that would make when trying to compare to either the V...
by dcabler
Sun Jan 13, 2019 10:45 am
Forum: Investing - Theory, News & General
Topic: Historical Bond Returns - Shiller: From Rates to Returns [Bond Fund Simulator]
Replies: 277
Views: 37052

Re: Historical Bond Returns - Shiller: From Rates to Returns [Bond Fund Simulator]

Isn't the total return data from longinvest's spreadsheet originally calibrated (or at least compared) to the somewhat-active versions of Vanguard's bond funds, not their newer passive counterparts? The total return data in the simulator spreadsheet is directly derived by simulating ladder-like* bo...
by dcabler
Sun Jan 13, 2019 6:40 am
Forum: Investing - Theory, News & General
Topic: Historical Bond Returns - Shiller: From Rates to Returns [Bond Fund Simulator]
Replies: 277
Views: 37052

Re: Historical Bond Returns - Shiller: From Rates to Returns [Bond Fund Simulator]

After some detective work (using 'time machine' copies of Morningstar Web pages!), I was able to reconstruct the data series for the Fidelity index funds. I used: * FLBAX - Fidelity Spartan Long-Term Treasury Bond Index Fund * FIBAX - Fidelity Spartan Intermediate-Term Treasury Bond Index Fund Both...
by dcabler
Sat Jan 12, 2019 7:39 am
Forum: Investing - Theory, News & General
Topic: Historical Bond Returns - Shiller: From Rates to Returns [Bond Fund Simulator]
Replies: 277
Views: 37052

Re: Historical Bond Returns - Shiller: From Rates to Returns [Bond Fund Simulator]

I ran a few more tests and swapped a couple of messages with longinvest. The bottomline is that Vanguard treasury bonds which are NOT index funds (e.g. VUSTX, VFITX, VFISX) seem to be more active than I would have expected, and their price series have a life of their own... It seems that they end u...
by dcabler
Fri Jan 11, 2019 7:07 am
Forum: Investing - Theory, News & General
Topic: Retirement calculator with alternate withdrawal methods?
Replies: 3
Views: 480

Re: Retirement calculator with alternate withdrawal methods?

I’m reading Wade Pfau’s book “How Much Can I Spend in Retirement?: A Guide to Investment-Based Retirement Income Strategies” and in it he discusses a variable withdrawal method that I had never encountered before. He calls it an “endowment formula” that bases 50% of it’s withdrawal on a canstant ba...
by dcabler
Thu Jan 10, 2019 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: How did you solve the pre-medicare healthcare riddle?
Replies: 81
Views: 5752

Re: How did you solve the pre-medicare healthcare riddle?

I know of at least one person taking the minimum required classes at the local community college to get the health insurance available to students. Even with the cost of tuition and a recent rate increase, it was a good deal for him and his family. Plus there's always room to learn something new.
by dcabler
Thu Jan 10, 2019 7:03 am
Forum: Personal Investments
Topic: Would your FIRE plan work had your journey started 1965?
Replies: 66
Views: 4508

Re: Would your FIRE plan work had your journey started 1965?

The stock market went down over 70% between 1965 and 1982 , following a 15-year bull market. Now we are standing at the start of another bear market. What if the history repeats itself? A 4% "safe" withdrawl rate is surely not safe... Nobody knows if we're standing at the start of another bear mark...
by dcabler
Tue Jan 08, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: House hunting in San Antonio (relocating from IL) - What to watch out for?
Replies: 31
Views: 1665

Re: House hunting in San Antonio (relocating from IL) - What to watch out for?

Maybe I can prompt some Texan replies for you. I used to work for a company based in Dallas and when I visited and would go see houses of fellow employees there, they talked about a couple things that I think would be different from what you're used to. Because of the way the soil is, nobody builds...
by dcabler
Tue Jan 08, 2019 10:58 am
Forum: Investing - Theory, News & General
Topic: ESPP Purchase/Sale Specifics
Replies: 11
Views: 754

Re: ESPP Purchase/Sale Specifics

Just wanted to follow-up, as it did not go exactly as I expected. The ESPP purchase date was 12/31/2018, but the shares didn't end up in my account until Jan 7th. On 12/31, the stock closed at 62.13 so the purchase price at a 15% discount was 52.81. During the time I was waiting for the shares to h...
by dcabler
Tue Jan 08, 2019 7:46 am
Forum: Personal Consumer Issues
Topic: DIY question - leaky faucet - change stem valve or o-rings?
Replies: 20
Views: 1500

Re: DIY question - leaky faucet - change stem valve or o-rings?

Just did an outside faucet and replaced a gasket. But it does remind me of my version of the Heisenberg Uncertainty Principle every time I have a DIY job to do: Either Lowes or Home Depot will have what I'm looking for. But there is a zero percent chance that whichever store I visit first will have...
by dcabler
Tue Jan 08, 2019 7:36 am
Forum: Personal Investments
Topic: Employee Share Purchase Plan - New benefit
Replies: 16
Views: 698

Re: Employee Share Purchase Plan - New benefit

If you did contribute to this ESPP, what would the money be coming from? Meaning where would this money come at a cost of, savings? 401K? taxable? paying down debt? What is the tradeoff to using cash for this vs where else it would have gone to? It's a good point. I've always thought of my ESPP's i...
by dcabler
Tue Jan 08, 2019 7:28 am
Forum: Personal Investments
Topic: Employee Share Purchase Plan - New benefit
Replies: 16
Views: 698

Re: Employee Share Purchase Plan - New benefit

- one-year holding period This would have me passing on that plan. I've worked for 2 companies where this would have lost me about 80% of my initial investment. +1 Most every company I've been with has had the 15% discount, but the shares can be sold as soon as they appear in my account - no holdin...
by dcabler
Mon Jan 07, 2019 6:30 am
Forum: Personal Consumer Issues
Topic: DIY question - leaky faucet - change stem valve or o-rings?
Replies: 20
Views: 1500

Re: DIY question - leaky faucet - change stem valve or o-rings?

Just did an outside faucet and replaced a gasket. But it does remind me of my version of the Heisenberg Uncertainty Principle every time I have a DIY job to do: Either Lowes or Home Depot will have what I'm looking for. But there is a zero percent chance that whichever store I visit first will have ...
by dcabler
Sun Jan 06, 2019 11:22 am
Forum: Investing - Theory, News & General
Topic: How to compare active managed vs index
Replies: 24
Views: 758

Re: How to compare active managed vs index

Newbie question -- Say you have two funds with the same/similar objective, one is active managed with a higher ER one is indexed with a low ER. How do you determine which fund performs better. So when I use the compare features on investment sites I've seen times where the 1,3,5,10yr, life performa...
by dcabler
Sun Jan 06, 2019 6:35 am
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7903

Re: United, American Airlines, Delta--about the same?

I fly American primarily (or their partners) since that's where my miles are. In my previous job, United was the preferred carrier. So much depends on the actual plane itself, along with your seat selection, that I end up looking at that, along with seatguru.com, when making booking travel.
by dcabler
Sat Jan 05, 2019 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Recent Engineering College Graduate can’t get job interviews, needs advice
Replies: 145
Views: 11194

Re: Recent Engineering College Graduate can’t get job interviews, needs advice

Engineering hiring manager here. When hiring new grads, we typically use an internal recruitment process. Meaning candidates are pre-screened before we even get a stack of resume's and, yes, that means that somewhere the robot has rejected resume's with lower GPAs. Sadly, I'm nearly 100% sure that w...
by dcabler
Sat Jan 05, 2019 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Recent Engineering College Graduate can’t get job interviews, needs advice
Replies: 145
Views: 11194

Re: Recent Engineering College Graduate can’t get job interviews, needs advice

I'm gonna say this again, going straight to an MS degree can work for some people, but as someone who employs hundreds of engineers, this would be a strike against you. Advanced degrees are great. EXPERIENCE is far more important. If you can't find a job with a BS, you may likely make it even harde...
by dcabler
Sat Jan 05, 2019 7:19 am
Forum: Personal Consumer Issues
Topic: Uber/Lyft where do you sit?
Replies: 42
Views: 4026

Re: Uber/Lyft where do you sit?

Back passenger side, always. Front only comes into play if my whole family is in the car..
by dcabler
Fri Jan 04, 2019 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Recent Engineering College Graduate can’t get job interviews, needs advice
Replies: 145
Views: 11194

Re: Recent Engineering College Graduate can’t get job interviews, needs advice

Can he list GPA for his major above 3.0? If not I would not list his GPA on his resume. My daughter has decent GPA and she didn’t list it either. Head hunter told her to list but she won’t. The other kid who’s not anengi erring major said people toldher not to list her GPA either, even though she d...
by dcabler
Fri Jan 04, 2019 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Recent Engineering College Graduate can’t get job interviews, needs advice
Replies: 145
Views: 11194

Re: Recent Engineering College Graduate can’t get job interviews, needs advice

I faced the same issues after my PhD graduation. It was about 4 months when I submitted jobs daily before I got my current job. My tips are to have a good review of his resume, and network more. Sadly, the industry now is that having a referral will be of a big help in getting to the point of inter...