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Re: KeePass vs LastPass

Thanks to all who contributed this thread, it really helped to get me motivated to address my password situation. I ended up going with 1Password for Mac after looking at some other options. It is great and currently 1/2 off at the MacAppStore ($25), http://itunes.apple.com/us/app/1password-password...
by Average Investor
Sat Apr 12, 2014 5:40 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 101
Views: 5398

Re: investment property pros and cons?

If I recall correctly Berkeley has some onerous rent control laws. rg +1. Details here, http://www.ci.berkeley.ca.us/uploadedFiles/Rent_Stabilization_Board/Level_3_-_General/The%20Guide%20Feb2013.pdf I live in the Bay Area and have been seriously interested in investment real estate for awhile. I'v...
by Average Investor
Sun Mar 30, 2014 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: investment property pros and cons?
Replies: 13
Views: 1100

Re: Portfolio Checkup Please, And Can I Retire?

Thanks everyone, I appreciate it!

Boglenaut, I really enjoy your investing videos and I watch them for laughs and to help educate friends.

Thanks.
by Average Investor
Wed Mar 19, 2014 11:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup Please, And Can I Retire?
Replies: 7
Views: 1623

Re: Portfolio Checkup Please, And Can I Retire?

Bump.

Any further feedback, Bogleheads?

Thank you.
by Average Investor
Mon Mar 10, 2014 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup Please, And Can I Retire?
Replies: 7
Views: 1623

Re: Portfolio Checkup Please, And Can I Retire?

Hey, congratulations on hitting your number! Looks like you worked hard and made the great investment moves. If you plan on retiring, then yes, I would increase your bond allocation and decrease your stock allocation. It's a little more complicated to suggest exactly what to do, because you are onl...
by Average Investor
Sat Mar 08, 2014 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup Please, And Can I Retire?
Replies: 7
Views: 1623

Portfolio Checkup Please, And Can I Retire?

Hello Bogleheads, I am coming up on 2 years of following the Boglehead philosophy. A big thank you to the community, with your help I escaped the jaws of Merrill Lynch and completely transformed my financial life. I would like a general portfolio checkup please, some feedback for some portfolio chan...
by Average Investor
Sat Mar 08, 2014 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup Please, And Can I Retire?
Replies: 7
Views: 1623

Re: Personal Defined Benefits Plan

Why did u go all bonds. My IPS calls for a 65/35 stock/bond split. My taxable account is 100% stocks so the Defined Benefit and 401k accounts is where the bond allocation would fit. That's a good call then. One thing to also consider is how the db plan affects your allowable contributions to your 4...
by Average Investor
Fri Feb 28, 2014 11:35 pm
 
Forum: Investing - Theory, News & General
Topic: Personal Defined Benefits Plan
Replies: 15
Views: 1502

Re: Personal Defined Benefits Plan

Why did u go all bonds. My IPS calls for a 65/35 stock/bond split. My taxable account is 100% stocks so the Defined Benefit and 401k accounts is where the bond allocation would fit. That's a good call then. One thing to also consider is how the db plan affects your allowable contributions to your 4...
by Average Investor
Fri Feb 28, 2014 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Personal Defined Benefits Plan
Replies: 15
Views: 1502

Re: Personal Defined Benefits Plan

dhodson wrote:
Why did u go all bonds.


My IPS calls for a 65/35 stock/bond split. My taxable account is 100% stocks so the Defined Benefit and 401k accounts is where the bond allocation would fit.
by Average Investor
Thu Feb 27, 2014 12:28 pm
 
Forum: Investing - Theory, News & General
Topic: Personal Defined Benefits Plan
Replies: 15
Views: 1502

Re: Personal Defined Benefits Plan

I have one as I mentioned. Im sure you realize that you have deferred taxes and this may or may not save a lot in taxes. One of the problems with maxing this and a defined contribution plan like a 401k is that you may pull the money out at the same tax rate. You also can only put 100k or more each ...
by Average Investor
Thu Feb 27, 2014 1:54 am
 
Forum: Investing - Theory, News & General
Topic: Personal Defined Benefits Plan
Replies: 15
Views: 1502

Re: Personal Defined Benefits Plan

I have one for my S Corp. Its a great setup if you are a consistent year to year high income earner and do not have any or many employees (if you have employees you need to cover them in the plan as well). Annual fees/accounting cost are fairly high for such a plan (mine are about $2000 on average) ...
by Average Investor
Wed Feb 26, 2014 11:28 pm
 
Forum: Investing - Theory, News & General
Topic: Personal Defined Benefits Plan
Replies: 15
Views: 1502

Re: omg, did I miss the buying opportunity in stocks?

No one knows. I invested a modest sum into stocks rather than bonds last week after successive days of market declines. I was also tempted to rebalance from bonds into stocks to hopefully pick up some easy gains. I had a trade order all ready to go and then paused for a minute, thinking, "Wait,...
by Average Investor
Sat Feb 08, 2014 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: omg, did I miss the buying opportunity in stocks?
Replies: 54
Views: 6419

Re: What was your 2013 return?

17.4% with a 65/35 stock/bond mix. Stock allocation is 70% US with a small slice of SCV, and 30% Intl. Bond allocation is mostly TBM with some ibonds and eebonds.

My first complete year as a Boglehead. Thanks to everyone here and Happy New Year!
by Average Investor
Wed Jan 01, 2014 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 8523

Re: What are your policies for changing your IPS?

Great thread. My IPS includes the following: Any decision regarding a major change to asset allocation must be considered carefully over a period of time including soliciting feedback from a Vanguard CFP and/or the Bogleheads forum - absolutely no panic decision making. I find that such a statement ...
by Average Investor
Thu Dec 12, 2013 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: What are your policies for changing your IPS?
Replies: 22
Views: 1109

Re: Downsize From House to Condo?

Thanks for the replies everyone, you've given me some good things to think about.

Appreciate the feedback!
by Average Investor
Tue Jul 09, 2013 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Downsize From House to Condo?
Replies: 10
Views: 1795

Re: Downsize From House to Condo?

You have in the ballpark 100% if your net worth in real-estate (not home equity). Selling one or the other would reduce this which would be good. If you sold the house would you have to pay any capital gains taxes after the homeowners capital gains tax exclusion? Thanks for the reply. Good point on...
by Average Investor
Sat Jul 06, 2013 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Downsize From House to Condo?
Replies: 10
Views: 1795

Downsize From House to Condo?

Hi Bogleheads, I am stuck in analysis paralysis regarding a possible lifestyle change and wanted to reach out here to see if fellow Bogleheads might have some insights. I own a 2200SF house and 520SF condo, both located in San Francisco. I bought the condo near the housing market bottom in 2011 with...
by Average Investor
Sat Jul 06, 2013 6:21 pm
 
Forum: Personal Consumer Issues
Topic: Downsize From House to Condo?
Replies: 10
Views: 1795

Re: Apple Stock - Seems great, right?

I may invest in a Samsung Galaxy S4.... http://rack.3.mshcdn.com/media/ZgkyMDEzLzAzLzE0Lzc5L3NhbXN1bmdnYWxhLjIxMjJmLmpwZwpwCXRodW1iCTg1MHg1OTA-CmUJanBn/bfa931c8/dbf/samsung-galaxy-s-4-2-of-35.jpg Fwiw, that picture shows an iPhone 3 model which debuted nearly 4 years ago . . . .
by Average Investor
Thu Mar 21, 2013 1:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Apple Stock - Seems great, right?
Replies: 29
Views: 2407

Re: Quitting job and starting law school in the Fall - help!

Law business is tough. I did my 2 years as an associate and got out before it got me out. Barely survived!
by Average Investor
Wed Mar 13, 2013 1:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Quitting job and starting law school in the Fall - help!
Replies: 97
Views: 9415

Re: What Type Of Wallet Do You Prefer?

As small as possible - only enough for my ID, a few credit cards and cash. I've been using inexpensive expandable leather business card holders for years, like this one: http://www.chinatraderonline.com/Wallet ... 093203758/
by Average Investor
Wed Mar 13, 2013 12:18 am
 
Forum: Personal Consumer Issues
Topic: What Type Of Wallet?
Replies: 90
Views: 7606

Re: Need to Push to Leave Broker/Become Own Financial Adviso

1. We need some final encouragement to push us to move from our “full service broker” to Vanguard. Our concern is that we are not financial experts who are watching the global markets daily as our broker supposedly is doing. I realize that our portfolio may not be considered large compared to most ...
by Average Investor
Wed Mar 06, 2013 2:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Need to Push to Leave Broker/Become Own Financial Advisor
Replies: 100
Views: 6262

Re: Pay off Investment Property Mortgage with Heloc?

http://www.bogleheads.org/forum/viewtopic.php?f=1&t=111597#p1622331 Above is my explanation in another thread. To answer your specific question, you don't lose the "opportunity" to avail yourself of the offset. Because of depreciation, even properties with positive real cash flow can ...
by Average Investor
Sun Feb 24, 2013 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off Investment Property Mortgage with Heloc?
Replies: 14
Views: 1081

Re: Pay off Investment Property Mortgage with Heloc?

I assume you are aware that passive activity real estate losses offset ordinary income if MAGI is less than $150K. Max offset is $25K (at $100K MAGI). FYI, this includes prior years' unallowed. Social security (when you start taking) doesn't count toward MAGI. Thanks. I am not sure I understand wha...
by Average Investor
Sat Feb 23, 2013 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off Investment Property Mortgage with Heloc?
Replies: 14
Views: 1081

Re: Pay off Investment Property Mortgage with Heloc?

Probably not a bad idea. You might want to check to see if this comingles your assets if the two properties are in corporate entities though. Thanks for the heads up. Both properties are held personally. The condo was purchased near the bottom of the market as a potential retirement home. Great pla...
by Average Investor
Sat Feb 23, 2013 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off Investment Property Mortgage with Heloc?
Replies: 14
Views: 1081

Re: Pay off Investment Property Mortgage with Heloc?

Thanks for the replies everyone. The risk of not having a home or missing payments on any of my loans is fairly low given the equity in the properties and my other assets. I'm just trying to save money by swapping a higher interest loan for a lower interest loan. What about the interest expense - I ...
by Average Investor
Fri Feb 22, 2013 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off Investment Property Mortgage with Heloc?
Replies: 14
Views: 1081

Re: Pay off Investment Property Mortgage with Heloc?

Bump.

Appreciate any feedback.

Thank you in advance.
by Average Investor
Fri Feb 22, 2013 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off Investment Property Mortgage with Heloc?
Replies: 14
Views: 1081

Pay off Investment Property Mortgage with Heloc?

Hi all, I currently have an investment property condo with a 15 year mortgage at 4.75% and a balance of $100k. Equity in the property is approximately $250k. I tried to refinance last year but was declined likely due to poor cash flow showing on my tax returns (I defer over 50% of my income with a 4...
by Average Investor
Wed Feb 20, 2013 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off Investment Property Mortgage with Heloc?
Replies: 14
Views: 1081

Re: Happy Birthday Taylor

Happy Birthday to you Taylor! You welcomed me warmly when I first found Bogleheads six months ago and helped steer me in the right direction to leave Merrill Lynch. I always appreciate reading your posts and refer to the three fund portfolio thread and investment gems resource to help me stay the co...
by Average Investor
Sat Jan 26, 2013 2:20 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor
Replies: 81
Views: 3571

Re: TLH Calculation Help

Let me try a clarification, assuming I am not misreading the question: I own a bond fund in taxable. It pays dividends monthly which I reinvest. In April I sold some of it using average basis, but all the sold shares were non-covered as average basis is FIFO in terms of shares sold. I still own all...
by Average Investor
Sat Jan 05, 2013 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH Calculation Help
Replies: 18
Views: 731

Re: Bond Fund NAV Question

Do you mean the value today is only very slightly more than the value on the day you bought? Two months is too short a time to make any judgement about intermediate term bonds. As long as the reason you bought them still applies what you've observed is nothing to worry about. The value of your inve...
by Average Investor
Sat Jan 05, 2013 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond Fund NAV Question
Replies: 5
Views: 493

Re: Recommend a printer?

I like Brother brand B&W lasers and have used them for years in my business. Performance is great and third party consumables are cheap. If you shop around you can get them on sale (I picked up 2 last Fall for $70 each). Check out the Brother HL-2270DW model for starters.
by Average Investor
Sat Jan 05, 2013 2:47 am
 
Forum: Personal Consumer Issues
Topic: Recommend a printer?
Replies: 56
Views: 4039

Bond Fund NAV Question

Hi all, Newbie question on bond fund NAV. I've been watching the NAV decline slightly in my Total Bond and Corporate Intermediate Term Investment Grade bond funds the last two months. Are interest rates actually rising so I can expect higher yields in the future or did I simply overpay? I have more ...
by Average Investor
Thu Jan 03, 2013 12:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond Fund NAV Question
Replies: 5
Views: 493

Re: Bogleheads 2013 Hedgefund Contest

HedgeTrimmer Equity Fund
Where Fees Come First

Long
AAPL (Apple)
BAC (Bank of America)

Short
FB (FaceBook)
ZNGA (Zynga)
by Average Investor
Wed Jan 02, 2013 1:01 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2013 Hedgefund Contest
Replies: 151
Views: 13431

Re: TLH Calculation Help

Since these are covered shares with no prior position before 2012, then the average basis that Vanguard is giving you is believable. Since there are alread buy & sales, it seems the you and Vanguard have previously agreed to treat those with the Average Basis method, so you have to stick with t...
by Average Investor
Tue Jan 01, 2013 12:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH Calculation Help
Replies: 18
Views: 731

Re: What was your 2012 return?

Hi everyone, My return after I started to move my assets to Vanguard last July is around 7%. This is almost twice the rate of return I was getting at Merrill Lynch the first half of the year!!! A heartfelt thank you to all Bogleheads for your kind and generous help at each step along the way, it's b...
by Average Investor
Tue Jan 01, 2013 1:51 am
 
Forum: Investing - Theory, News & General
Topic: What was your 2012 return?
Replies: 275
Views: 20286

Re: Backdoor Roth + 401k + Defined Benefit Plan OK?

See if you can do it online. Go to your tIRA and look for "rollover" and then pick "to Roth IRA" . When I did this at Vanguard a few years ago, it seems like it was a couple of clicks of the mouse and it was done. Thanks, Vanguard walked me through it, all I needed to do was exc...
by Average Investor
Mon Dec 31, 2012 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth + 401k + Defined Benefit Plan OK?
Replies: 15
Views: 1289

Re: TLH Calculation Help

Are these covered or non-covered shares? Did you file a tax return with any words like "Average" or "AVG" listed on Schedule D for this fund? If you did, then I think you are stuck with Average Basis if these are non-covered shares. I am not sure about covered shares. They are c...
by Average Investor
Mon Dec 31, 2012 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH Calculation Help
Replies: 18
Views: 731

Re: TLH Calculation Help

If you are using Average Basis AND you have done some buying after you have previously sold, then you pretty much have to trust Vanguard on this. I don't know anyone that can calculate their Average Basis themselves after some sell transactions, so there is no way to double-check if Vanguard has do...
by Average Investor
Sun Dec 30, 2012 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH Calculation Help
Replies: 18
Views: 731

Re: TLH Calculation Help

If you are using Average Basis AND you have done some buying after you have previously sold, then you pretty much have to trust Vanguard on this. I don't know anyone that can calculate their Average Basis themselves after some sell transactions, so there is no way to double-check if Vanguard has do...
by Average Investor
Sun Dec 30, 2012 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH Calculation Help
Replies: 18
Views: 731

Re: TLH Calculation Help

I recommend you forget about the web site and look at actual statements that you have. Maybe those statements are on the web site, too. How much did you actually pay for the shares you wish to sell? That would be a basis unless for some reason you decided to use Average Basis earlier this year. Tha...
by Average Investor
Sun Dec 30, 2012 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH Calculation Help
Replies: 18
Views: 731

TLH Calculation Help

I am considering a TLH for TSM in my taxable account. On the Vanguard site when I look at the "Cost Basis" for this fund it shows a loss of $4100. However when I look at "Personal Performance" for the fund it shows a gain of $2200. I did some buying and selling of the fund earlie...
by Average Investor
Sun Dec 30, 2012 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH Calculation Help
Replies: 18
Views: 731

Re: Backdoor Roth + 401k + Defined Benefit Plan OK?

Default User BR wrote:The procedure varies by custodian. Contact yours to find out.


Thank you.
by Average Investor
Sun Dec 30, 2012 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth + 401k + Defined Benefit Plan OK?
Replies: 15
Views: 1289

Re: Backdoor Roth + 401k + Defined Benefit Plan OK?

Assuming you are filing single, then yes backdoor would be in order. Generally speaking, IRA and 401(k) contributions don't intersect. You should have no trouble doing a conversion. There is no need to do it before 12/31 specifically. The contribution deadline is normal tax day, 4/15 in 2013. You c...
by Average Investor
Sat Dec 29, 2012 11:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth + 401k + Defined Benefit Plan OK?
Replies: 15
Views: 1289

Re: Backdoor Roth + 401k + Defined Benefit Plan OK?

Thanks for the replies.

Sent a message to my accountant have not heard back yet.

2012 MAGI estimated in the $150k range.

Thank you.
by Average Investor
Fri Dec 28, 2012 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth + 401k + Defined Benefit Plan OK?
Replies: 15
Views: 1289

Backdoor Roth + 401k + Defined Benefit Plan OK?

I would like to open a Roth IRA this year. I am over the income limit for a deductible contribution so I am planning to do a Backdoor Roth. I do not have any IRAs currently and I understand the mechanics of setting this up (thanks TFB). A few questions: Do I need to set up the Traditional IRA and co...
by Average Investor
Fri Dec 28, 2012 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth + 401k + Defined Benefit Plan OK?
Replies: 15
Views: 1289

Re: Annual interview with Seeking Alpha-positioning for 2013

Average investor While I don't recommend that fund, there are far worse "mistakes" one can make. I would just make sure that you consider say 15-20% as equity like risk. The other thing is that there is more call risk here than if you hold the shorter term fund (and of course credit risk ...
by Average Investor
Wed Dec 26, 2012 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: Annual interview with Seeking Alpha-positioning for 2013
Replies: 27
Views: 3044

Re: Annual interview with Seeking Alpha-positioning for 2013

Great article, thanks!

If I am understanding the point of the article correctly I may need to reconsider my position in Vanguard Interm-Term Investment-Grade, http://quote.morningstar.com/fund/f.aspx?t=VFIDX

Happy Holidays.
by Average Investor
Tue Dec 25, 2012 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: Annual interview with Seeking Alpha-positioning for 2013
Replies: 27
Views: 3044

Re: What kind of car are you driving?

I only drive plastic cars. :D

Lotus Elise 2005.

Smart Car 2009.
by Average Investor
Wed Nov 28, 2012 10:53 pm
 
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 278
Views: 21177
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