Search found 246 matches

by zeal
Sat Apr 27, 2019 6:58 am
Forum: Personal Investments
Topic: New and looking for Retirement suggestions
Replies: 17
Views: 2344

Re: New and looking for Retirement suggestions

Hi Surlybee, Welcome to Bogleheads! As you gather information to update your post, please revisit Laura's asking portfolio questions page. It looks like you already followed it pretty closely, but there are some details left out that can influence the advice you receive here, like current tax rate a...
by zeal
Thu Apr 25, 2019 6:48 pm
Forum: Personal Investments
Topic: Ticker/CUSIP? BlackRock’s MSCI World ex-U.S. IMI Index Fund F
Replies: 6
Views: 813

Re: Ticker/CUSIP? BlackRock’s MSCI World ex-U.S. IMI Index Fund F

I went to the Bogleheads wiki's "Fidelity" page and found that FTIHX and IXUS both track this index. Again, share price throws it off but this gave me more options to pick the best likeness for our international stock fund. Try those out if you're searching too.
by zeal
Thu Apr 25, 2019 9:35 am
Forum: Personal Investments
Topic: Close Vanguard and go all in with Fidelity?
Replies: 109
Views: 15069

Re: Close Vanguard and go all in with Fidelity?

Echoing some previous posters, but we also maintain accounts at both and are happy with our current setup. The only change we are considering is to open a taxable account at Vanguard to hold our emergency fund (VMFXX > SPAXX). Fidelity holds my Roth IRA, my ESPP, joint CMA, joint brokerage, and the ...
by zeal
Wed Apr 24, 2019 12:04 pm
Forum: Personal Investments
Topic: Ticker/CUSIP? BlackRock’s MSCI World ex-U.S. IMI Index Fund F
Replies: 6
Views: 813

Re: Ticker/CUSIP? BlackRock’s MSCI World ex-U.S. IMI Index Fund F

I have that same problem with a 401k Blackrock MSCI ex-US IMI fund without a ticker. I just use Vanguard's Total Intl Admiral (VTIAX), which tracks the same index. Granted, the fee there is 0.11%. You could also use VTPSX (Total Intl Institutional Plus shares) which costs 0.07%. Thanks, centrifuge....
by zeal
Wed Apr 24, 2019 11:15 am
Forum: Personal Investments
Topic: Ticker/CUSIP? BlackRock’s MSCI World ex-U.S. IMI Index Fund F
Replies: 6
Views: 813

Ticker/CUSIP? BlackRock’s MSCI World ex-U.S. IMI Index Fund F

Trying to get Personal Capital to correctly calculate our asset allocation, but it is currently using BPIAX (1.20% ER) to represent our 457/401a's international stock fund (0.07% ER). How do I find a ticker or CUSIP for this fund? It invests in BlackRock's MSCI ACWI ex-U.S. IMI Index Fund F.
by zeal
Wed Apr 24, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: How to clean a garage?
Replies: 71
Views: 4808

Re: How to clean a garage?

I guess I am not understanding how a forum is going to tell you how to clean your garage. :shock: If you can’t bring yourself to get rid of those things and you have the space available for a shed, you should just build yourself one. My dad and I both hoard those types of things too—good tools foun...
by zeal
Wed Apr 24, 2019 5:36 am
Forum: Personal Consumer Issues
Topic: How to clean a garage?
Replies: 71
Views: 4808

Re: How to clean a garage?

If you can’t bring yourself to get rid of those things and you have the space available for a shed, you should just build yourself one. My dad and I both hoard those types of things too—good tools found cheap at yard sales, scrap materials from old projects... when my dad’s one-car carport starts to...
by zeal
Tue Apr 23, 2019 8:38 pm
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 114
Views: 13399

Re: Who is buying 1-3 year old used Toyotas and Hondas?

My first and only vehicle I’ve ever owned is an ‘06 Corolla, bought a year old in ‘07, 25k miles on it. Knock on wood, no major problems. Recall on the computer was fixed for free. I change the oil every 3k-6k miles and put on about 7k-8k miles per year (it is up to ~110k miles now), change tires as...
by zeal
Sun Apr 21, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: What are your 5 favorite tools (hand, power, other)
Replies: 33
Views: 2808

Re: What are your 5 favorite tools (hand, power, other)

After reading this thread I find that I use the following the most often: 1. Hitachi impact driver 2. Socket set 3. Tape measure 4. Speed square 5. Utility knife I’ve got a lot of nice tools per SF of house but these are used the most. Almost the same as my list of most often used tools. 1. Drill 2...
by zeal
Sun Apr 21, 2019 7:01 am
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 190
Views: 16986

Re: How much do you spend on food per month, per person?

For my wife and me it’s usually around $700/month. We eat out about once a week (included in the $700) and do all of our household shopping at Walmart, so this number includes non-food items like toilet paper, personal hygiene products, wiper blades, light bulbs... if I had to guess, food probably a...
by zeal
Sat Apr 20, 2019 6:22 am
Forum: Personal Investments
Topic: Fire my financial advisor now or later? (recent windfall help needed)
Replies: 61
Views: 7515

Re: Fire my financial advisor now or later? (recent windfall help needed)

As is posted very often around here: "Once you know enough to pick a financial advisor, you won't need one." Seems like you are at that point--you can manage this yourself. When you have questions, the answers are usually on the wiki. If you can't find the answer, post the question and someone will ...
by zeal
Fri Apr 19, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 44141

Re: Mr. Money Mustache, SWR, and equity allocation

I decided to delete all tabs in my personal/family finance spreadsheet that related to retirement projections and I'm not messing with retirement calculators anymore. Why have I wasted so much time on this? I enjoy working and earning money--I don't enjoy sitting around twiddling my thumbs, and I e...
by zeal
Fri Apr 19, 2019 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 44141

Re: Mr. Money Mustache, SWR, and equity allocation

First of all, congrats to all of you. Some of the first posts stated this thread would soon turn contentious and be locked and it never was. Hats off for being respectful when disagreeing on the internet. I read this whole thread and it took me a few days. As I was reading, an idea popped in my head...
by zeal
Fri Apr 19, 2019 7:06 am
Forum: Personal Consumer Issues
Topic: Need vacuum recomendations
Replies: 41
Views: 5247

Re: Need vacuum recomendations

IowaFarmWife wrote: Thu Apr 12, 2018 6:13 am OP here: thanks for all of the suggestions! We ended up ordering the shark off of Amazon.
How is your shark doing? We're thinking about getting one. Large shedding dog, multiple surfaces.
by zeal
Wed Apr 17, 2019 2:46 pm
Forum: Personal Investments
Topic: Investment option aside from 401k.
Replies: 25
Views: 1753

Re: Investment option aside from 401k.

I am interested to diversify my "portoflio" in the following way. 1) Max out 401k. Focus on aggressive options. Avoid bonds. 2) Pay off mortgage in 20yrs instead of 30. 3) Save up to have 20% on real estate property purchase. (already have the money for this, now looking for deals) 4) Place the res...
by zeal
Wed Apr 17, 2019 5:48 am
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 146
Views: 17636

Re: What is your hobby and how did it come to be your hobby?

Probably first and foremost, my hobby is learning new things and having new hobbies... I have always had an incredible passion for learning, which made me a great student in school and sports. My hobbies in general consist of sports, toys, and learning new things. My first love growing up was Legos....
by zeal
Mon Apr 15, 2019 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Cash Back CC Question
Replies: 13
Views: 1923

Re: Fidelity 2% Cash Back CC Question

Makes sense. Figured it was a long shot but worth a try! Thanks all.
by zeal
Mon Apr 15, 2019 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Cash Back CC Question
Replies: 13
Views: 1923

Fidelity 2% Cash Back CC Question

If I use the Fidelity credit card to withdraw funds from an ATM, do I earn cash back on this transaction? Coupled with the Fidelity CMA account, there will be no fees for this transaction, right?
by zeal
Mon Apr 15, 2019 1:36 pm
Forum: Personal Investments
Topic: $1.1 million rental portfolio, but tired of being a landlord
Replies: 87
Views: 12136

Re: $1.1 million rental portfolio, but tired of being a landlord

A friend of mine grew tired of being a landlord and sold his eight properties off individually. Not sure how he has battled the tax situation, as there may be some workarounds that I don't know of, but he now spends his time flipping and wholesaling houses. Still dealing with contractors but no long...
by zeal
Mon Apr 15, 2019 7:14 am
Forum: Investing - Theory, News & General
Topic: Home equity as % of AA
Replies: 41
Views: 3465

Re: Home equity as % of AA

I don't consider our home equity a part of our asset allocation because it is not comparable to a stock or a bond--it probably most closely represents cash (although extremely illiquid) with an interest rate equal to the home's appreciation. That said, if our home is paid off, we may be more willing...
by zeal
Sun Apr 14, 2019 8:24 am
Forum: Investing - Theory, News & General
Topic: What websites do you use for the latest investing news?
Replies: 51
Views: 4743

Re: What websites do you use for the latest investing news?

Any "news" is typically brought up by someone in the Bogleheads forum's active topics . I can then form my own opinions, view intense debates from the community on the credibility of the news, or if I want to learn something new about the topic, someone generally links some great information. If I a...
by zeal
Sat Apr 13, 2019 10:51 pm
Forum: Personal Investments
Topic: Fidelity is making it hard for my daughter to fund a Roth
Replies: 55
Views: 6446

Re: Fidelity is making it hard for my daughter to fund a Roth

For the record the problem is definitely not just Fidelity--we had the same run-around with Vanguard when opening my wife's Roth IRA there. The reason we had to jump through all these "identity verification" hoops is because A) my wife had no prior accounts at Vanguard or Fidelity, B) we were openin...
by zeal
Sat Apr 13, 2019 5:34 am
Forum: Personal Investments
Topic: Investing gift from grandma
Replies: 46
Views: 3762

Re: Investing gift from grandma

+1 Disney, or some Disney and the rest in total stock market. I agree with a lot of other posters--same as the sibling makes sense. Connecting Grandma to the Magic Kingdom is a great idea and they will remember her often. If Disney comes crashing down and they lose the stock, then there's the first ...
by zeal
Fri Apr 12, 2019 5:59 am
Forum: Investing - Theory, News & General
Topic: Active vs Passive Fund management
Replies: 18
Views: 1846

Re: Active vs Passive Fund management

If you like to read, this one book provides all the evidence for passive over active mutual funds (link is to amazon where I bought it): Common Sense on Mutual Funds by John Bogle

If you're looking for a very short read, check out If You Can by William Bernstein.
by zeal
Thu Apr 11, 2019 7:18 pm
Forum: Personal Investments
Topic: Fidelity is making it hard for my daughter to fund a Roth
Replies: 55
Views: 6446

Re: Fidelity is making it hard for my daughter to fund a Roth

My daughter turned 18 not long ago and has been working for several years. I suggested she open a Roth and fund it with her 2018 earnings. I helped her go online and open a Roth IRA account at Fidelity, but we were not able to fund the IRA from her checking account because Fidelity could not "verif...
by zeal
Thu Apr 11, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1665
Views: 240469

Re: Fidelity as a one stop shop

To clarify as we consider switching to CMA for all cash needs... I can go to any ATM (at any bank, gas station, grocery store, etc.) and pay no fee/surcharge, correct? It does not have to be a Fidelity ATM? We are several hours away from the nearest physical Fidelity branch, so no Fidelity ATMs anyw...
by zeal
Thu Apr 11, 2019 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Should you use a real estate agent when buying a house? What are your experiences?
Replies: 72
Views: 4596

Re: Should you use a real estate agent when buying a house? What are your experiences?

Use an agent but be very careful what you tell them! They don’t work for you. They work for the deal. You have no control over what they tell the sellers agent. Try and not listen to them at all. Here’s a good story as to why We found a house on our own and contacted the listing agent directly. Off...
by zeal
Wed Apr 10, 2019 10:34 pm
Forum: Personal Investments
Topic: Mid-20s looking for advice on allocation!
Replies: 8
Views: 1272

Re: Mid-20s looking for advice on allocation!

I agree with the others on your questions. Vanguard Wellington might not be the best vehicle for your bond allocation; and don't bother saving too much in cash until you're more ready to buy a house. As for your portfolio, your 401k options are strangely similar to mine... Maybe we work at the same ...
by zeal
Wed Apr 10, 2019 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should you use a real estate agent when buying a house? What are your experiences?
Replies: 72
Views: 4596

Re: Should you use a real estate agent when buying a house? What are your experiences?

I'd like to know people's experiences (and advice) concerning whether to enlist a realtor when buying a house vs. just going online and finding a house you like and talking to the listing realtor directly. Thank you kindly for any views on this. Edit: I'm thinking the main difference is whether or ...
by zeal
Tue Apr 09, 2019 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Are life insurance basically scams?
Replies: 43
Views: 2142

Re: Are life insurance basically scams?

Good day, I'm 22 years old, single, and no dependents. Should I avoid life insurance premiums like plagues? Are life insurances borderline scams? I wouldn't say avoid them like plagues, but I agree with others that you don't need life insurance at this point. I am of the opinion that term life insu...
by zeal
Tue Apr 09, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 7674

Re: How Much Do You Pay For Haircut?

$20/month for a 30min appointment. I believe the haircut is only $14 but I like to leave a good tip. She is a good friend who gives a great men's haircut and is always a pleasure to talk to. I could get it cheaper but it's only a few dollars--happy to support her small, one-owner/operator local busi...
by zeal
Mon Apr 08, 2019 8:38 pm
Forum: Personal Consumer Issues
Topic: Solution for a thick wallet
Replies: 58
Views: 6446

Re: Solution for a thick wallet

Check out Dash Wallets . I've used this one for a long time (mine is actually the "2.0"). I own two of these wallets--the one I carry every day has my credit union debit card, HSA debit card, med/vision/dental cards, and usually no more than five assorted bills. Just barely thick enough to notice in...
by zeal
Mon Apr 08, 2019 8:02 pm
Forum: Investing - Theory, News & General
Topic: What is your one favorite Fidelity Fund??
Replies: 93
Views: 16040

Re: What is your one favorite Fidelity Fund??

Curious as to why so few have mentioned FSKAX, Fidelity Total Market Index Fund? It's the only fund we hold in Fidelity accounts other than our SPAXX emergency fund.
by zeal
Mon Apr 08, 2019 8:14 am
Forum: Investing - Theory, News & General
Topic: Investment Books
Replies: 11
Views: 1135

Re: Investment Books

I always really enjoy this short read: IfYouCan.PDF - William Bernstein There is a booklist contained within this article--Bernstein recommends a book or two at the end of several sections. I've pulled them all out below, as I am enjoying following along with his recommendations. The Millionaire Nex...
by zeal
Mon Apr 08, 2019 5:37 am
Forum: Personal Consumer Issues
Topic: New homeowner wants to DIY, but disappointed today
Replies: 50
Views: 5574

Re: New homeowner wants to DIY, but disappointed today

Failure is just the chance to start again, but more intelligently. Not my quote, heard it somewhere yesterday and liked it. I enjoy DIY projects and do them often, but my dad is a general contractor so I grew up building/repairing things. However, there is definitely a stopping point--I do value my ...
by zeal
Sun Apr 07, 2019 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Q to ppl who use spreadsheet for personal finance
Replies: 64
Views: 6526

Re: Q to ppl who use spreadsheet for personal finance

Thanks to everyone, I built a spreadsheet. I can track all my asset/liability accounts from a single spreadsheet file. It has 6 tabs total; #1. bank/CC/loan transaction ledger: 5 input columns: account, date, payee, category, amount In the next column, tab calculates the running balance (for each a...
by zeal
Sat Apr 06, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Married couples: can you have a team mentality with separate finances?
Replies: 183
Views: 9939

Re: Married couples: can you have a team mentality with separate finances?

+1 if you can't come to a sensible agreement, seek counseling. In a healthy relationship, if one party is not happy, the other party cannot be. Didn't read all the posts so I may just be repeating others, just thought I'd put in another vote and offer my thoughts. Marriage is a team sport. From what...
by zeal
Sat Apr 06, 2019 6:49 am
Forum: Personal Investments
Topic: Just opened Roth
Replies: 11
Views: 1074

Re: Just opened Roth

Did you know you are currently still allowed to make contributions to the prior year? Until April 15th, you could put all $8500 in your Roth ($5500 applied to 2018 limit, $3000 applied to 2019). The limit for 2019 has been upped to $6000, so you'd still be able to add another $3000 between now and A...
by zeal
Sat Apr 06, 2019 4:59 am
Forum: Forum Issues and Administration
Topic: Evolution of the Bogleheads
Replies: 7
Views: 1744

Re: Evolution of the Bogleheads

FYI. Prior to this forum, many of these same folks posted on the Morningstar Vanguard Diehards forum. (If you really wanted to go old school)...We had to pay $5 to join that one. http://socialize.morningstar.com/NewSocialize/forums/t/27115.aspx Taylor circa 2000: The Diehard Forum started March 19,...
by zeal
Fri Apr 05, 2019 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1665
Views: 240469

Re: Fidelity as a one stop shop

Similar situation, but for current ESPP, which is deposited quarterly into an individual brokerage account. It has a high commission on trades, so I opened a separate brokerage account (took about 5 minutes to do online) and transfer ESPP shares into it before I sell. I'm impressed that you could d...
by zeal
Fri Apr 05, 2019 3:36 pm
Forum: Forum Issues and Administration
Topic: Evolution of the Bogleheads
Replies: 7
Views: 1744

Re: Evolution of the Bogleheads

Thanks David--this is great. Not exactly what I was looking for, but fuels the passion to learn more nonetheless--much appreciated!
by zeal
Fri Apr 05, 2019 3:03 pm
Forum: Personal Investments
Topic: ESPP - Should I or shouldn't I?
Replies: 40
Views: 2557

Re: ESPP - Should I or shouldn't I?

Anyway, if you have a specific list of dates and amounts paid and received, then XIRR is always going to be the most accurate way to calculate the annualized return of a plan like this. I feel the XIRR overestimates the true value of ESPP since it gives the annualized yield, but your effective retu...
by zeal
Fri Apr 05, 2019 1:45 pm
Forum: Forum Issues and Administration
Topic: Evolution of the Bogleheads
Replies: 7
Views: 1744

Re: Evolution of the Bogleheads

Thanks David--this is super helpful and I'll definitely use it now that I know how to. However, with this search function I have to search for a word. I was hoping to be able to browse rather than search for a particular topic. I suppose I could just put the word "the" and it would return just about...
by zeal
Fri Apr 05, 2019 12:00 pm
Forum: Forum Issues and Administration
Topic: Evolution of the Bogleheads
Replies: 7
Views: 1744

Evolution of the Bogleheads

Is there a way to sort forum topics by the date the original post was created? I'm curious to read all the "old" stuff, from bogleheads.org day 1, day 2, etc. and see how the site/community has evolved. I like to look at members' first posts and see how they went from young, broke, and uneducated to...
by zeal
Fri Apr 05, 2019 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1665
Views: 240469

Re: Fidelity as a one stop shop

Just tried setting up my brokerage as a source for automatic overdraft to my cash account, but it is not listed as an "eligible funding account". I couldn't find anywhere to add this account, and then checked the FAQ for the cash manager to find this: "Stock Plan Services (SPS) accounts are not eli...
by zeal
Thu Apr 04, 2019 2:29 pm
Forum: Personal Investments
Topic: ESPP - Should I or shouldn't I?
Replies: 40
Views: 2557

Re: ESPP - Should I or shouldn't I?

It's actually quite a bit better than that: https://imgur.com/laDRgZ7l.jpg Your calculation of 65.18/1000.5 = ~6.5% interest quarterly is incorrect, because it assumes that you paid in $1000.50, waited for one quarter, and then got back the $1000.50 plus $65.18 in interest. In actuality, you didn't...
by zeal
Thu Apr 04, 2019 8:38 am
Forum: Personal Investments
Topic: ESPP - Should I or shouldn't I?
Replies: 40
Views: 2557

Re: ESPP - Should I or shouldn't I?

Quarter-end update: Since my original post in early January I've been contributing $166.75/semi-monthly pay period to my ESPP. Monday the plan used $1003.44 (I believe this number includes the interest I was awarded) to purchase shares, which I then sold Tuesday. Now that the activity has settled, I...
by zeal
Thu Apr 04, 2019 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Weighing career options (34 yo, considering leaving low COL for high COL, am I crazy?)
Replies: 54
Views: 4318

Re: Weighing career options (34 yo, considering leaving low COL for high COL, am I crazy?)

We live in a LCOL southern state too, lived here all our lives (I'm 30, wife is 26). I travel to big cities regularly for work and we might take a vacation to a big city a few times a year. They're nice for a change of scenery sometimes and I like to put myself in a local's shoes while I'm there to ...
by zeal
Wed Apr 03, 2019 9:18 pm
Forum: Personal Investments
Topic: Investment advice wanted
Replies: 9
Views: 1302

Re: Investment advice wanted

ruralavalon wrote: Wed Apr 03, 2019 7:52 pm Please read this: "What if you only invested at market peaks?"
Thanks for that little story--a fun, enlightening read.
by zeal
Wed Apr 03, 2019 8:34 am
Forum: Personal Investments
Topic: FUSVX automatic reinvestment possible at Fidelity?
Replies: 19
Views: 2181

Re: FUSVX automatic reinvestment possible at Fidelity?

I can, and do. I just verified it... Go to "Account Features" > "Brokerage and Trading" > "Dividends and Capital Gains". I have the option to reinvest in this security, deposit in my core account, or direct it to another fund. Trying to do this too but not sure if I'm understanding the lingo. I hav...