Search found 2886 matches

by fortfun
Mon Apr 19, 2021 6:37 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2311
Views: 274235

Re: My very first post, almost 5 years ago today!

[Thread merged into here --admin LadyGeek] Boy have I come a long way since then! I've added another comma to my net worth and retirement at age 50 is looking good. Thanks Bogleheads! Struggling with Bogle Philosophy Okay, so I know that I should choose this stock (from Fidelity): Spartan® 500 Inde...
by fortfun
Sun Apr 18, 2021 10:30 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2311
Views: 274235

My very first post, almost 5 years ago today!

[Thread merged into here --admin LadyGeek] Boy have I come a long way since then! I've added another comma to my net worth and retirement at age 50 is looking good. Thanks Bogleheads! Struggling with Bogle Philosophy Okay, so I know that I should choose this stock (from Fidelity): Spartan® 500 Inde...
by fortfun
Thu Apr 15, 2021 10:26 am
Forum: Personal Consumer Issues
Topic: How much time in Costa Rica?
Replies: 10
Views: 991

Re: How much time in Costa Rica?

Two weeks is fine but three could be more relaxing. As mentioned above, the roads in CR can be tiring. Most tourists make the mistake of trying to see too many different places and miscalculating the effort and drive time. I suggest spending 4-5 days in Monteverde area (which could also include Are...
by fortfun
Wed Apr 14, 2021 3:01 pm
Forum: Personal Consumer Issues
Topic: How much time in Costa Rica?
Replies: 10
Views: 991

Re: How much time in Costa Rica?

Consider visiting hot springs near Arenal Volcano or staying in a hotel near there. We had one night where we could see the mountain with lava flowing down it (it was very active at the time, seems less so now after a quick google) while bathing in hot springs - really a wonderful experience. Thank...
by fortfun
Wed Apr 14, 2021 3:00 pm
Forum: Personal Consumer Issues
Topic: How much time in Costa Rica?
Replies: 10
Views: 991

Re: How much time in Costa Rica?

gerntz wrote: Wed Apr 14, 2021 2:41 pm Agree two weeks is fine. Outside Tortuguero NP on Carib Coast, most everything is in the mountains or Pacific Coast. Tortuguero is rain forest area & whole Carib Coast is pretty wet & beaches black sand. I'd avoid the wet summer months.
Thanks gerntz!
by fortfun
Wed Apr 14, 2021 3:00 pm
Forum: Personal Consumer Issues
Topic: How much time in Costa Rica?
Replies: 10
Views: 991

Re: How much time in Costa Rica?

MBB_Boy wrote: Wed Apr 14, 2021 2:34 pm I think 2 weeks is plenty, especially if you're hitting both coasts. 3 would be overkill in my opinion - we did 5 days on Pacific side and still had plenty of time kicking it poolside
Thanks!
by fortfun
Wed Apr 14, 2021 1:48 pm
Forum: Personal Consumer Issues
Topic: How much time in Costa Rica?
Replies: 10
Views: 991

How much time in Costa Rica?

Looking at two weeks. Should we extend to three? I'm not sure if we will make it back, so would like to see the major highlights. Would like to spend a week in the mtn/jungle and a week at the beach. I'm not sure what else we should checkout. Suggestions appreciated.
Thanks,
Ff
by fortfun
Wed Mar 31, 2021 10:19 pm
Forum: Personal Consumer Issues
Topic: Tankless Water Heater - Struggling to Justify
Replies: 71
Views: 5910

Re: Tankless Water Heater - Struggling to Justify

I would never spend the money on it. All my friends that have them spent a ton of money and have a lot of problems. I've had my 2-40 gallon tanks for 16 years. ZERO problems and they are fairly efficient too.
by fortfun
Tue Feb 23, 2021 4:55 pm
Forum: Investing - Theory, News & General
Topic: Anything jump out to you about this portfolio?
Replies: 8
Views: 890

Re: Anything jump out to you about this portfolio?

Yay! Fun! It was fun, so I looked. Aside from those horrible, awful, no good expense ratios -- and without knowing % allocations -- I'd say there is a lot of risk on the fixed income side. That's probably the secret sauce. This is mostly convertible and preferred non-rated bonds: Calamos Growth &am...
by fortfun
Tue Feb 23, 2021 4:53 pm
Forum: Investing - Theory, News & General
Topic: Anything jump out to you about this portfolio?
Replies: 8
Views: 890

Re: Anything jump out to you about this portfolio?

... Just looking at a friends portfolio and trying to decide if it would be worth switching from this advisor (403b) to the low fee 401k using a TDF (no advisor). It looks like this portfolio beat the tdf handily but not sure that's a good reason NOT to switch to the TDF. To be sure, performance ch...
by fortfun
Tue Feb 23, 2021 11:18 am
Forum: Investing - Theory, News & General
Topic: Anything jump out to you about this portfolio?
Replies: 8
Views: 890

Re: Anything jump out to you about this portfolio?

Anything jump out to you about this portfolio? ... Besides expensive actively managed funds? It looks like something an "advisor" came up with to get next month's boat payment. However, I don't know when/what loads were paid, so I may not be comparing apples to apples. Without giving us f...
by fortfun
Tue Feb 23, 2021 11:16 am
Forum: Investing - Theory, News & General
Topic: Anything jump out to you about this portfolio?
Replies: 8
Views: 890

Re: Anything jump out to you about this portfolio?

Yay! Fun! It was fun, so I looked. Aside from those horrible, awful, no good expense ratios -- and without knowing % allocations -- I'd say there is a lot of risk on the fixed income side. That's probably the secret sauce. This is mostly convertible and preferred non-rated bonds: Calamos Growth &am...
by fortfun
Mon Feb 22, 2021 3:10 pm
Forum: Investing - Theory, News & General
Topic: Anything jump out to you about this portfolio?
Replies: 8
Views: 890

Anything jump out to you about this portfolio?

Besides expensive actively managed funds? It appears to beat a TDF with around the same AA. However, I don't know when/what loads were paid, so I may not be comparing apples to apples. Fund Fidelity Advisor Intl Cap App Invesco Small Cap Growth American Century Equity Income American Century Interna...
by fortfun
Mon Feb 22, 2021 2:09 pm
Forum: Investing - Theory, News & General
Topic: Calculating returns with different loads question.
Replies: 6
Views: 230

Re: Calculating returns with different loads question.

We’re there any contributions in 2020? The most common load is a “front end” load, which which will typically not show up on the statement. You send them a check for $100 dollars, the account statement shows a starting balance $94.25 (5.75% is a common front end load). An ending balance of $98.96 i...
by fortfun
Mon Feb 22, 2021 1:35 pm
Forum: Investing - Theory, News & General
Topic: Calculating returns with different loads question.
Replies: 6
Views: 230

Re: Calculating returns with different loads question.

You are going to have to ask them if they paid a load. Remember that happens only once so there is also the question of prorating the load over the life of the holding. There must also be a way to access the account on line and see what is actually there. Also, if these investments are in a 401k th...
by fortfun
Mon Feb 22, 2021 1:34 pm
Forum: Investing - Theory, News & General
Topic: Calculating returns with different loads question.
Replies: 6
Views: 230

Re: Calculating returns with different loads question.

We’re there any contributions in 2020? The most common load is a “front end” load, which which will typically not show up on the statement. You send them a check for $100 dollars, the account statement shows a starting balance $94.25 (5.75% is a common front end load). An ending balance of $98.96 i...
by fortfun
Mon Feb 22, 2021 1:14 pm
Forum: Investing - Theory, News & General
Topic: Calculating returns with different loads question.
Replies: 6
Views: 230

Calculating returns with different loads question.

Looking at a friend's portfolio to calculate 2020 returns. The statement doesn't include that number. The statement doesn't provide the ticker either. When I look up the funds on morning star: American Century Equity Income, there are many different load types. A, C, I, Inv, R, R5, R6. Of course, I ...
by fortfun
Sun Feb 21, 2021 5:38 pm
Forum: Investing - Theory, News & General
Topic: What site can I use to type 2 tickers and get the 2020 return?
Replies: 2
Views: 305

Re: What site can I use to type 2 tickers and get the 2020 return?

Kenkat wrote: Sun Feb 21, 2021 4:26 pm www.portfoliovisualizer.com

You want to Backtest a Portfolio.
Thanks Kenkat. Slipped my mind for a moment...
by fortfun
Sun Feb 21, 2021 4:21 pm
Forum: Investing - Theory, News & General
Topic: What site can I use to type 2 tickers and get the 2020 return?
Replies: 2
Views: 305

What site can I use to type 2 tickers and get the 2020 return?

VTSAX 88%
and Vanguard Total Bond 12%

Spit out 2020 return.
Thanks,
FF
by fortfun
Thu Feb 18, 2021 9:16 pm
Forum: Personal Investments
Topic: Fixed Income vs Bonds for money needed in next 5 years.
Replies: 14
Views: 1884

Re: Fixed Income vs Bonds for money needed in next 5 years.

It's tough to take on more bonds right now. They seem to be bleeding away.... I'm not sure what you're talking about when you say fixed income and bonds? what are your choices? Fixed income? CDs, treasuries, high yield savings? Bonds: Bond funds? This fixed income: https://drive.google.com/file/d/1...
by fortfun
Thu Feb 18, 2021 9:15 pm
Forum: Personal Investments
Topic: Fixed Income vs Bonds for money needed in next 5 years.
Replies: 14
Views: 1884

Re: Fixed Income vs Bonds for money needed in next 5 years.

It's tough to take on more bonds right now. They seem to be bleeding away.... I'm not sure what you're talking about when you say fixed income and bonds? what are your choices? Fixed income? CDs, treasuries, high yield savings? Bonds: Bond funds? This fixed income: https://drive.google.com/file/d/1...
by fortfun
Wed Feb 17, 2021 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used CPA for taxes AND did them on their own to compare?
Replies: 58
Views: 5559

Re: Has anyone used CPA for taxes AND did them on their own to compare?

Caution. Literally every cpa I’ve used has screwed up at least one thing every year in my taxes. In one case I didn’t catch it for years and couldn’t fix it. Cost me thousands. Even big boys like kpmg. No one cares as much as you about your money and your chance of audit. Yep, most of my CPA were t...
by fortfun
Wed Feb 17, 2021 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used CPA for taxes AND did them on their own to compare?
Replies: 58
Views: 5559

Re: Has anyone used CPA for taxes AND did them on their own to compare?

I've gotten WAY larger returns since doing them on my own with TurboTax. The CPA is not going to ask all of the questions that TurboTax asked. I regret ever using a CPA. I suspect I lost at least 50k over the years that I used a CPA, not to mention the additional cost.
by fortfun
Wed Feb 17, 2021 9:05 pm
Forum: Personal Investments
Topic: Fixed Income vs Bonds for money needed in next 5 years.
Replies: 14
Views: 1884

Re: Fixed Income vs Bonds for money needed in next 5 years.

It's tough to take on more bonds right now. They seem to be bleeding away.... I'm not sure what you're talking about when you say fixed income and bonds? what are your choices? Fixed income? CDs, treasuries, high yield savings? Bonds: Bond funds? This fixed income: https://drive.google.com/file/d/1...
by fortfun
Wed Feb 17, 2021 6:02 pm
Forum: Personal Investments
Topic: Is Great-West Portfolio Fund any good for fixed income? How much should I have?
Replies: 8
Views: 379

Re: Is Great-West Portfolio Fund any good for fixed income? How much should I have?

Thanks Stinky. Is there any reason to believe Tot US bonds or Tot Int bonds will outperform this fund over the next few years? I'm thinking I'd be better off with this for the next few years. Thoughts? We checked on our bonds last night and they are bleeding badly. Personally, I would agree that a ...
by fortfun
Wed Feb 17, 2021 5:14 pm
Forum: Personal Investments
Topic: Is Great-West Portfolio Fund any good for fixed income? How much should I have?
Replies: 8
Views: 379

Re: Is Great-West Portfolio Fund any good for fixed income? How much should I have?

Thanks Stinky. What kind of return do I expect, or does it just not lose money? The return you get will be plan-specific. On the one hand, some folks have posted recently that their stable value funds are making 2%, or even 2.5% On the other hand, the first google search for the GW fund pulls up a ...
by fortfun
Wed Feb 17, 2021 4:59 pm
Forum: Personal Investments
Topic: Is Great-West Portfolio Fund any good for fixed income? How much should I have?
Replies: 8
Views: 379

Re: Is Great-West Portfolio Fund any good for fixed income? How much should I have?

Follow up from yesterday, is: Great-West Portfolio Fund a good fixed fund? I can't determine returns etc? Is there a guideline to how much: Great-West Portfolio Fund, I should have, and how much in bonds. Retirement, in three years, is getting real, and I need to figure this stuff out. Thanks, Ff I...
by fortfun
Wed Feb 17, 2021 4:39 pm
Forum: Personal Investments
Topic: Divorcee with "large sum" of money from divorce settlement question.
Replies: 9
Views: 2140

Re: Divorcee with "large sum" of money from divorce settlement question.

I’d be very cautious about advising any colleague about how to invest. Especially since you don’t know how much money is involved or even what form it takes. It could be a qualified distribution from a retirement account. Suggesting the PAS is as far as I’d go. And maybe recommend a couple books fr...
by fortfun
Wed Feb 17, 2021 4:37 pm
Forum: Personal Investments
Topic: Is Great-West Portfolio Fund any good for fixed income? How much should I have?
Replies: 8
Views: 379

Re: Is Great-West Portfolio Fund any good for fixed income? How much should I have?

Follow up from yesterday, is: Great-West Portfolio Fund a good fixed fund? I can't determine returns etc? Is there a guideline to how much: Great-West Portfolio Fund, I should have, and how much in bonds. Retirement, in three years, is getting real, and I need to figure this stuff out. Thanks, Ff I...
by fortfun
Wed Feb 17, 2021 4:29 pm
Forum: Personal Investments
Topic: Divorcee with "large sum" of money from divorce settlement question.
Replies: 9
Views: 2140

Divorcee with "large sum" of money from divorce settlement question.

A colleague is wondering what she should do. I've told her to sign up for PAS but not sure she will. I don't know how much this large "sum" is. I was thinking: Max 7k 2020 Roth IRA (TDF) Max 7k 2021 Roth IRA (TDF) Max 25k 401k (TDF) Max 25k 457 (Balanced fund 60/40) Keep enough of "la...
by fortfun
Wed Feb 17, 2021 4:23 pm
Forum: Personal Investments
Topic: Is Great-West Portfolio Fund any good for fixed income? How much should I have?
Replies: 8
Views: 379

Is Great-West Portfolio Fund any good for fixed income? How much should I have?

Follow up from yesterday, is: Great-West Portfolio Fund a good fixed fund? I can't determine returns etc? Is there a guideline to how much: Great-West Portfolio Fund, I should have, and how much in bonds. Retirement, in three years, is getting real, and I need to figure this stuff out. Here's the PD...
by fortfun
Wed Feb 17, 2021 4:20 pm
Forum: Personal Investments
Topic: Fixed Income vs Bonds for money needed in next 5 years.
Replies: 14
Views: 1884

Re: Fixed Income vs Bonds for money needed in next 5 years.

Most people think of "fixed income" as a generic category: cash, CDs, individual bonds, bond funds, MYGAs... Is your "Fixed Income" something specific to your 457 plan, maybe a stable-value fund that is guaranteed never to decrease in value? What interest rate does it currently ...
by fortfun
Wed Feb 17, 2021 4:07 pm
Forum: Personal Investments
Topic: Fixed Income vs Bonds for money needed in next 5 years.
Replies: 14
Views: 1884

Re: Fixed Income vs Bonds for money needed in next 5 years.

You are embarking in 40-50 years of retirement. You should be setting an asset allocation suitable to funding that retirement for the duration. I don't think shoving things around in the short run is likely to be a helpful plan. What do you mean by "loading up" in fixed income? That might...
by fortfun
Tue Feb 16, 2021 11:39 pm
Forum: Personal Investments
Topic: Fixed Income vs Bonds for money needed in next 5 years.
Replies: 14
Views: 1884

Fixed Income vs Bonds for money needed in next 5 years.

DW and I will be retiring in the next 3 years or so (51 & 53). With the outlook of bonds, would we better off loading up our 457s with Fixed Income than bonds? We don't have access to short/ultra short bonds, due to our work place plans. I'm afraid total us and international bonds may lose money...
by fortfun
Wed Feb 03, 2021 12:13 pm
Forum: Investing - Theory, News & General
Topic: Critique this portfolio for my teacher's union.
Replies: 28
Views: 1341

Re: Critique this portfolio for my teacher's union.

Monsterflockster wrote: Wed Feb 03, 2021 11:53 am
So they insist on using him but anonymous posters on an internet message board will sway them?
That's what I'm hoping. Got any better ideas?
by fortfun
Wed Feb 03, 2021 11:49 am
Forum: Investing - Theory, News & General
Topic: Critique this portfolio for my teacher's union.
Replies: 28
Views: 1341

Re: Critique this portfolio for my teacher's union.

If you want to raise more Awareness, and it's a battle you want to see through the end - for better or worse - maybe get local news involved especially if they have any good investigative reporters. They could help shed some light on the lost gains that the teachers are facing to a wider audience. ...
by fortfun
Wed Feb 03, 2021 11:21 am
Forum: Investing - Theory, News & General
Topic: Critique this portfolio for my teacher's union.
Replies: 28
Views: 1341

Re: Critique this portfolio for my teacher's union.

Thanks everyone! I have good comment to share with my union people. Now, if they will just listen.
by fortfun
Wed Feb 03, 2021 11:20 am
Forum: Investing - Theory, News & General
Topic: Critique this portfolio for my teacher's union.
Replies: 28
Views: 1341

Re: Critique this portfolio for my teacher's union.

You are doing a good thing by trying to help out your fellow teachers. It sounds like there are relationships behind the scenes if the union leadership is entrenched. I'm not sure if it's completely relevant, but have a look at this thread: [403b fiduciary lawsuits: MIT Yale NYU Duke Hopkins Penn V...
by fortfun
Tue Feb 02, 2021 10:36 pm
Forum: Investing - Theory, News & General
Topic: Critique this portfolio for my teacher's union.
Replies: 28
Views: 1341

Re: Critique this portfolio for my teacher's union.

That's interesting. I didn't realize anywhere offered a 401k and 403b. benderbr is right. You can offer to help others (and I would continue to do so), but in the end if people are educated on their options, which is what you are doing for them, and they still decide to get ripped off, that's on th...
by fortfun
Tue Feb 02, 2021 10:13 pm
Forum: Investing - Theory, News & General
Topic: Critique this portfolio for my teacher's union.
Replies: 28
Views: 1341

Re: Critique this portfolio for my teacher's union.

Seems like you're trying to help others who don't want it and the union leadership wants to maintain the existing relationship for whatever reason. Some organizations are very resistant to change and may have a different value system than your own. Stick with the good investments available to you a...
by fortfun
Tue Feb 02, 2021 9:55 pm
Forum: Investing - Theory, News & General
Topic: Critique this portfolio for my teacher's union.
Replies: 28
Views: 1341

Re: Critique this portfolio for my teacher's union.

I fell into something similar when I started teaching years ago. The "Financial Advisor" that came into the school sold me a high fee annuity in my Roth IRA. As a 22 year old I didn't know any better. The other teachers and principal said to invest with this guy and I'd have lots of money...
by fortfun
Tue Feb 02, 2021 9:52 pm
Forum: Investing - Theory, News & General
Topic: Critique this portfolio for my teacher's union.
Replies: 28
Views: 1341

Re: Critique this portfolio for my teacher's union.

arcticpineapplecorp. wrote: Tue Feb 02, 2021 9:32 pm you didn't give us much time did you?
Thanks Artic. ERISA does not apply to k-12 :( Thanks for all of the other input! Very helpful.
by fortfun
Tue Feb 02, 2021 9:34 pm
Forum: Investing - Theory, News & General
Topic: Critique this portfolio for my teacher's union.
Replies: 28
Views: 1341

Re: Critique this portfolio for my teacher's union.

I would ask 2 questions: 1. Are there any index funds available in the plan, and what are their expenses? Perhaps the issue is the financial advisor, rather than the plan. 2. Does the plan give money to the teacher's union, either directly or indirectly? I was under the impression that this was com...
by fortfun
Tue Feb 02, 2021 9:12 pm
Forum: Investing - Theory, News & General
Topic: Critique this portfolio for my teacher's union.
Replies: 28
Views: 1341

Critique this portfolio for my teacher's union.

I'm meeting with my teacher's union to explain how bad their financial advisor is. I don't want them to take my word for it, instead, I would like to share your responses with them. Here is a Roth IRA, that was put together for one of the members, by the union's advisor. The portfolio is split evenl...
by fortfun
Tue Feb 02, 2021 7:29 pm
Forum: Investing - Theory, News & General
Topic: Best site to compare more than 5 mutual funds?
Replies: 2
Views: 337

Best site to compare more than 5 mutual funds?

I'd like to have a table of ERs automatically created after I enter the tickers. I have 12 funds. Is there a site that does that, or do I just need to make a spreadsheet? FYI, these are not Vanguard funds...
Thanks!
Ff
by fortfun
Sat Jan 23, 2021 11:19 pm
Forum: Personal Consumer Issues
Topic: How to do the Boundary Waters?
Replies: 30
Views: 3048

Re: How to do the Boundary Waters?

We traveled the gunflint trail this past summer and couldn't believe how many people there were. Ely, MN has several outfitters and a few good restaurants. Check out the Sudan mine SP when you pass through the area. The best safety advice i can give is "dont bring a hatchet". My favorite ...
by fortfun
Sun Jan 17, 2021 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Easiest way to get $1,750 cash and change into an online bank?
Replies: 27
Views: 1970

Re: Easiest way to get $1,750 cash and change into an online bank?

anon_investor wrote: Sun Jan 17, 2021 6:01 pm There are probably a few credit union or local bank options available just about everywhere with low or no monthly minimum balance limits on checking account now a days.
I'll look into this tomorrow. Not sure if credit unions will be open on MLK. Maybe Tuesday. Thanks..
by fortfun
Sun Jan 17, 2021 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Easiest way to get $1,750 cash and change into an online bank?
Replies: 27
Views: 1970

Re: Easiest way to get $1,750 cash and change into an online bank?

netrammgc wrote: Sun Jan 17, 2021 4:32 pm Most online banks accept ATM cash deposits no? For example mine accepts deposits through the CO-OP network. Look at your online banks website, or check the back of your card for AllPoint+, CO-OP, PLUS shared deposits, etc.
I don't think Ally does :(
by fortfun
Sun Jan 17, 2021 6:02 pm
Forum: Personal Consumer Issues
Topic: What to do with Amazon gift cards?
Replies: 37
Views: 5540

Re: What to do with Amazon gift cards?

mkc wrote: Sun Jan 17, 2021 4:43 pm If they are unredeemed, perhaps donate a few to local charities that have a wish list? Human shelter, animal rescue, etc. Most always have an Amazon wish list for needs.
Good idea. Thanks!