Search found 1495 matches

by BolderBoy
Thu Sep 03, 2015 9:01 pm
Forum: Investing - Theory, News & General
Topic: Index Investing for the Future
Replies: 16
Views: 1258

Re: Index Investing for the Future

And if you'll respnond " so where else in the economy should we put our money in that case" perhaps the money should be invested in something that you can be reasonably sure that you will get a fair return. Maybe real estate. Maybe a small business. Don't more small businesses fail than s...
by BolderBoy
Wed Sep 02, 2015 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Laid off recently and would like job search advice.
Replies: 31
Views: 3016

Re: Laid off recently and would like job search advice.

What suggestions do you have for where I would go to apply for an IT or Software Engineering job? I'm in the Phoenix area at the present time. I'm in Colorado and yesterday happened to be browsing the Colorado Judicial System website (looking for a specific court case) and noticed on their job list...
by BolderBoy
Wed Sep 02, 2015 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Physician couple seeking advice on high income asset distribution and investment
Replies: 10
Views: 1347

Re: Physician couple seeking advice on high income asset distribution and investment

If you are already maxing out both retirement plans then I'd be paying off the student loans and that 5% mortgage.

Oh, gee. That is exactly what I did when I was in your shoes.
by BolderBoy
Wed Sep 02, 2015 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: You've inherited a bad portfolio from your former self. What do you do?
Replies: 18
Views: 1670

Re: You've inherited a bad portfolio from your former self. What do you do?

Yes, sell everything now (to harvest the losses) and immediately buy a 2 or 3 Fund portfolio in the desired AA. And stick with it. If you bail on the 2 or 3 Fund portfolio down the road, then I've wasted my bits.
by BolderBoy
Fri Aug 28, 2015 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k Investment Options
Replies: 7
Views: 379

Re: Help with 401k Investment Options

I just became eligible to participate in the 401k through my work and I need some help allocating my assets to the different investment and portfolio options. I want to have an account that is moderately aggressive/aggressive. Around 90% stocks and 10% bonds. I don't know which percentages to choos...
by BolderBoy
Wed Aug 26, 2015 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Janus Bond Fund down almost 3% yesterday
Replies: 13
Views: 1852

Re: Janus Bond Fund down almost 3% yesterday

nisiprius wrote: May be less volatile than stock funds? May be?


On the medical side of things we learn that "may" == "may not".
by BolderBoy
Wed Aug 26, 2015 8:11 am
Forum: Investing - Theory, News & General
Topic: Solo 401(k) question
Replies: 31
Views: 2148

Re: Solo 401(k) question

Great, thanks for the info. Do you know if you must contribute on a continual basis or should it be terminated if not contributing for x years. x being 5, 10 or more years. Don't think there is a requirement to terminate the plan. There may be reasons to keep it around. For example, 401k plans are ...
by BolderBoy
Tue Aug 25, 2015 10:44 pm
Forum: Investing - Theory, News & General
Topic: Solo 401(k) question
Replies: 31
Views: 2148

Re: Solo 401(k) question

Thanks, I know I could do that but it's not really worth it considering I only make 2k a year. Out of convenience I was wondering if it would be possible to just keep my original solo 401k considering it's a plan name based on myself not my business. I just asked Vanguard this very question last we...
by BolderBoy
Tue Aug 25, 2015 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Which tax-exempt bond fund ??
Replies: 34
Views: 4325

Re: Which tax-exempt bond fund ??

As a matter of principle I won't buy a VG fund with a purchase fee. Maybe some day if the purchase fee disappears (as it did for the short-term inflation protected securities fund), this new index fund would be suitable as a TLH exchange fund (IT TE <--> IT TE Index). There are plenty of other compl...
by BolderBoy
Mon Aug 24, 2015 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on investing.in.mutual.funds
Replies: 10
Views: 482

Re: Advice on investing.in.mutual.funds

Thank you for all your help. Someone mentioned looking at the cost of mutual fund management. I.dont know whats considered.good.vs not so good. Where does amana rank.up in this regards? Sorry if my.questions are too.basic, but as said.before I m.very.much a beginner so please bare with me. If Amana...
by BolderBoy
Mon Aug 24, 2015 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Order timing?
Replies: 1
Views: 159

Re: Order timing?

I ordered a fund exchange with in my Roth IRA last night at 1am. Will the fund I liquidated be sold at the price when the market opened, or at the end of the day price? Due to today's volatility, there could be a huge price difference. Hoping I didn't cost myself a lot of cheddar. End of the day, t...
by BolderBoy
Mon Aug 24, 2015 10:16 am
Forum: Investing - Theory, News & General
Topic: How are you being GREEDY when others are fearful?
Replies: 85
Views: 11609

Re: How are you being GREEDY when others are fearful?

Fat-Tailed Contagion wrote:What specific strategies are you considering or implementing in this fear cycle ?

Some rebalancing to get back to AA. Otherwise nothing.
by BolderBoy
Mon Aug 24, 2015 10:14 am
Forum: Investing - Theory, News & General
Topic: Market timing, but......
Replies: 4
Views: 570

Re: Market timing, but......

For the past few years, we have been converting our tIRAs to ROTHs. My question is, is there a better time to convert, funds being identical? Logic tells me, now, when the market is in the downward direction, would be a better time, since there would be less tax consequence on the sale of the tIRA....
by BolderBoy
Mon Aug 24, 2015 10:11 am
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 194
Views: 21267

Re: The Bogleheads' Silent Majority

Good topic. I just noticed down at the bottom, the "Users browsing this forum:" is quite a large number, including the 330 guests. Bigger than I've seen in a long time, so there are worried folks out there I think, and they are checking in with the BHs to see what we think and are not doing.
by BolderBoy
Mon Aug 24, 2015 10:03 am
Forum: Investing - Help with Personal Investments
Topic: What to do now with market crash?
Replies: 56
Views: 7589

Re: What to do now with market crash?

Put 60% in Vanguard Total Stock and 40% in Vanguard Total Bond. If they grow to a point where they are 15% or more out of balance from that ratio then sell some of the high one and buy the cheaper one until you return to a 60/40 asset allocation (you will probably do this once a year; do it on your...
by BolderBoy
Mon Aug 24, 2015 9:52 am
Forum: Investing - Help with Personal Investments
Topic: 800K Cash Part 3
Replies: 17
Views: 2203

Re: 800K Cash Part 3

The "best" time to be in the market is all the time. The research boys say that the lump sum investors come out ahead of the DCA investors (not by a huge amount). With those to facts stirred into your decision making process, what do you think now? I agree, the best time is all the time. ...
by BolderBoy
Mon Aug 24, 2015 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Advice on investing.in.mutual.funds
Replies: 10
Views: 482

Re: Advice on investing.in.mutual.funds

Hi. I am a novice when.it.comes to all things financial. Looking for advice.on investing.in mutual funds vs etfs for my.401k. Should I wait.to closer to end.of.the year to.invest? Im looking to.open a sol 401k as I am self employed and can just put.18k or more if.I decide to match through company c...
by BolderBoy
Mon Aug 24, 2015 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Moving From Money Market to Stocks and Bonds
Replies: 6
Views: 976

Re: Moving From Money Market to Stocks and Bonds

which I proceeded to ignore until early 2007 when I move to 100% equities. So this was your problem: you didn't have a proper asset allocation chosen, which meets your temperament (we can tell from what you've written so far that you are not a 100/0 AA kind of guy in any way, shape or form.) Do you...
by BolderBoy
Sat Aug 22, 2015 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Please help a newbie set up her portfolio! (This is a lot. Sorry.)
Replies: 14
Views: 1236

Re: Please help a newbie set up her portfolio! (This is a lot. Sorry.)

2) I don't really understand how to take into account our (somewhat reliable?) pensions & social security, for portfolio planning. I'm thinking this means we can hold a slightly higher percent of stocks than we would otherwise, right? Perhaps an argument to lean towards 10% or 15% in bonds? Thi...
by BolderBoy
Sat Aug 22, 2015 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: 23 Y.O. Intermediate-Long Term Investment Plan with 200k Help!!
Replies: 2
Views: 446

Re: 23 Y.O. Intermediate-Long Term Investment Plan with 200k Help!!

The wiki page referred to above has lots of other good reading info. To focus you, pay attention to "asset allocation", "diversification" and "costs". If you are thinking about going with a managed brokerage account, pay specific attention to the effects of costs on you...
by BolderBoy
Sat Aug 22, 2015 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Substantially Identical?
Replies: 15
Views: 1351

Re: Substantially Identical?

I would bet that selling VG's S&P500 Index fund only to buy another company's S&P500 Index fund inside of 31 days would be considered "substantially identical" if the IRS wanted to pursue it.
by BolderBoy
Sat Aug 22, 2015 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: 800K Cash Part 3
Replies: 17
Views: 2203

Re: 800K Cash Part 3

The research I did and advice I got on previous posts led me to decide a 40/60 AA in my IRA. I'm 62 and retired. I have everything moved around so I can do CD's, TB, TS. I'm not a market timer and never have been. But based on what the market did this week, I think I should give some though to how ...
by BolderBoy
Sat Aug 22, 2015 12:26 pm
Forum: Personal Consumer Issues
Topic: What's a Bug Out Bag and who uses them?
Replies: 67
Views: 7778

Re: What's a Bug Out Bag and who uses them?

livesoft wrote:Hurricane Danny is announced, so plenty of time for some folks to prepare.

Thanks! I'll get right to it.

:)
by BolderBoy
Sat Aug 22, 2015 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Independent Contractor Tax Rate
Replies: 5
Views: 649

Re: Independent Contractor Tax Rate

I recently got a new job where I am an independent contractor. I live in Alabama. What is the recommended percentage to save for yearly tax? I am currently saving 40%, but I feel like that may be too much. Thanks I save 50% of every payment I receive. Do my taxes quarterly and any of the saved amou...
by BolderBoy
Sat Aug 22, 2015 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Defined benefit versus contribution plan
Replies: 12
Views: 1115

Re: Defined benefit versus contribution plan

I recently started a new job, and need to choose between a defined benefit and defined contribution plan. Unless there is some ironclad law or constitutional provision in your state protecting a DB plan against any changes, I'd go with the DC plan. That is especially so at your earning capacity lev...
by BolderBoy
Sat Aug 22, 2015 11:09 am
Forum: Personal Finance (Not Investing)
Topic: For those who are self employed [Financial management software]
Replies: 5
Views: 740

Re: For those who are self employed

Do you use the same financial management software to track your business and personal finances? I'm looking for a free financial planning service for a small e-commerce business. Any suggestions would be greatly appreciated. ? Are you looking for the software or a service? Do it yourself or have so...
by BolderBoy
Sat Aug 22, 2015 10:49 am
Forum: Investing - Theory, News & General
Topic: dont forget to tax loss harvest
Replies: 28
Views: 3023

Re: dont forget to tax loss harvest

pghpens wrote:If I sold my Vanguard Total Stock Market Index and bought S & P 500 index, would that trigger a wash sale? Same thing with Vanguard Total International Index and FTSE All-World Index?

No.
by BolderBoy
Sat Aug 22, 2015 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Investment Portfolio Help - How to add Bonds to Portfolio
Replies: 4
Views: 380

Re: Investment Portfolio Help - How to add Bonds to Portfolio

Lafder wrote:Welcome!

You should go back and edit your original and subsequent post to add the ERs for the various funds. That may make some more obvious to consider selling to simplify :)

lafder

+1. You definitely need to do this before we can make better suggestions.
by BolderBoy
Sat Aug 22, 2015 10:33 am
Forum: Investing - Help with Personal Investments
Topic: First Taxable Account
Replies: 8
Views: 924

Re: First Taxable Account

2. What factors should I consider when deciding whether to reinvest dividends? In general, you want your non-retirement investing to be tax-efficient. To that end, one uses tax-exempt bond funds (if you want bonds in taxable) and index stock funds, as you are doing. Also it is probably best NOT to ...
by BolderBoy
Sat Aug 22, 2015 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Please help a newbie set up her portfolio! (This is a lot. Sorry.)
Replies: 14
Views: 1236

Re: Please help a newbie set up her portfolio! (This is a lot. Sorry.)

Emergency funds: For a couple of non-relevant reasons, this is currently very low, at 5K. I'd prefer around 15K -- should be there in about a year. I'd try to get there sooner than a year... Risk Tolerance Medium-High. Solid believer in buy-and-hold - not a market timer. I'm debating between 10-20%...
by BolderBoy
Sat Aug 22, 2015 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard auto exchange
Replies: 5
Views: 670

Re: Vanguard auto exchange

Is it still possible to set up a one time auto exchange to avoid infrequent trading rules and having to mail in trade orders. Wiki post shows 2011 example, anyone do it recently? I did it in 2013 (maybe it was 2014, can't remember) and it worked fine then. I haven't heard of VG closing that option.
by BolderBoy
Fri Aug 21, 2015 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Portfolio Help - How to add Bonds to Portfolio
Replies: 4
Views: 380

Re: Investment Portfolio Help - How to add Bonds to Portfolio

I currently have in my portfolio a bunch of stocks. The problem is that I do not have any bonds and I want to add 10,000$ but do not know how since my Roth and 401k are maxed out. I have been trying to figure out what bonds to buy and where to place them for tax purposes. How about a tax-exempt mun...
by BolderBoy
Fri Aug 21, 2015 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Move from Charles Schwab Intelligent Portfolio?
Replies: 8
Views: 731

Re: Move from Charles Schwab Intelligent Portfolio?

Is this being overly paranoid about the returns for a small chunk of money or is it worth it? The only way for small chunks of money to grow into big chunks of money is for you to properly tend it. Your present setup sounds more complicated than it needs to be and probably costs more than it needs ...
by BolderBoy
Fri Aug 21, 2015 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Bonds
Replies: 9
Views: 1321

Re: Muni Bonds

Right now I don't have any bond funds other than indirectly through Wellington in my taxable account. 401k and Roth are all stock funds like SP500 or VTSAX. Should I add muni bonds to the mix? Which account would they go in? We are mid 30s. In your case, the decision tree goes like this: define you...
by BolderBoy
Fri Aug 21, 2015 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: How does TLH work?
Replies: 23
Views: 1965

Re: How does TLH work?

I have read the wiki and several posts about TLH, but I am still a little confused about a few things. 1. for TLH funds, you should not reinvest dividends? TLH is only for non-retirement accounts. And in non-retirement accounts it is probably best to not be re-investing dividends and capital gains ...
by BolderBoy
Fri Aug 21, 2015 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Two Employers into one 401k?
Replies: 5
Views: 340

Re: Two Employers into one 401k?

Two questions: 1) Does Vanguard allow more than one i401k plan per customer? If necessary, could I have 10 different i401k plans with VG? 2) Though the two businesses described above are unrelated and one is W2 while the other is 1099, can all of the contributions from the two entities go into a si...
by BolderBoy
Thu Aug 20, 2015 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Another Edward Jones question
Replies: 11
Views: 1106

Re: Another Edward Jones question

I have a few questions about my Edward Jones account. I know EJ needs to go but was planning to try to hold on to it for a few years without adding to the account or reinvesting the dividends. Then transfer to Fidelity after the maturity date of the Kohl's bond in 2017. So, a few days ago I was che...
by BolderBoy
Thu Aug 20, 2015 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing: Investing with friend
Replies: 56
Views: 2529

Re: New to investing: Investing with friend

With that said, a good friend of mine just recently obtained his investment adviser license. He has approached me about opening accounts with his investment firm. After speaking to him briefly he provided a list of costs for the Roth IRA. You want him to remain a "good friend", don't get ...
by BolderBoy
Wed Aug 19, 2015 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Two Employers into one 401k?
Replies: 5
Views: 340

Re: Two Employers into one 401k?

I have not seen where employees can open their own 401k accounts anywhere they wish. In some SIMPLE IRA plans, the employee can open their SIMPLE IRA plan where ever they choose and employer puts the employer and employee contributions into those. Did your friend contribute 12K or 17.5K last year? ...
by BolderBoy
Wed Aug 19, 2015 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Two Employers into one 401k?
Replies: 5
Views: 340

Re: Two Employers into one 401k?

I do not understand how the health care company has no 401k plan of its own but contributes to an i401k of employee choosing? Is it 401k or simple ira? It is a 401k of some sort - I was presuming it is an i401k. I'll ask him. I have no idea why they set it up like this unless it is to avoid the exp...
by BolderBoy
Wed Aug 19, 2015 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Two Employers into one 401k?
Replies: 5
Views: 340

Two Employers into one 401k?

Though I thought I saw this asked before on the forums, I can't seem to find an old thread about it... A friend asked for some help in getting into the BH way of doing things. He has a scenario I'm not positive about. He has two jobs; one as a healthcare PA (W2 employee) and one as a consulting mech...
by BolderBoy
Thu Aug 13, 2015 7:14 pm
Forum: Personal Consumer Issues
Topic: Carry on luggage
Replies: 87
Views: 7099

Re: Carry on luggage

canderson wrote:Red Oxx.

Made in America. Indestructible.

Certainly agree with this. My Air Boss has traveled a lot of air miles with me, never been refused as carry on.

Not cheap, however. And no wheels.
by BolderBoy
Sun Aug 09, 2015 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Account Advice
Replies: 17
Views: 1540

Re: Retirement Account Advice

swborderduo wrote:Emergency funds: None

No emergency fund? Seriously?

There is much work to do.

Maxing out (to the best of your ability) retirement plans, saving an emergency fund (12 months' worth of expenses), then hammering away at all the debt.
by BolderBoy
Sun Aug 09, 2015 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: 100% bond portfolio
Replies: 35
Views: 3066

Re: 100% bond portfolio

My friend who will be retiring in 2-3 years is in 100% in Wells Fargo Advantage Sh Dur Bond Fund. Are there any dangers other than low returns in doing this? Inflation. But I guess it depends upon how large his portfolio is. Do a search for a graph depicting the "efficient frontier" and s...
by BolderBoy
Sun Aug 09, 2015 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Investment advice ($190k in cash)
Replies: 26
Views: 1621

Re: Seeking Investment advice ($190k in cash)

Guys, I forgot to mention, the biggest reason I wanted to buy a property again is for tax purposes. Right now, I owe about 4k - 5k year (state and federal combined) With respect, that reason sounds like it came directly from the mouth of a real estate agent. And is the wrong reason to buy a propert...
by BolderBoy
Sat Aug 08, 2015 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Did a dumb thing [lump summed into market after sitting on cash for years]
Replies: 111
Views: 13031

Re: Did a dumb thing [lump summed into market after sitting on cash for years]

I had tried to wait until it felt safe to buy into the market and finally, after years of sitting in a cash account, put my whole 401k into Vanguard index funds. Then, of course, the market started to fall. (Jul 21) VFIAX Vanguard 500 Index Fund Admiral Shares VIMAX Vanguard Mid-Cap Index Fund Admi...
by BolderBoy
Sun Aug 02, 2015 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Asset Protection
Replies: 35
Views: 3905

Re: Physician Asset Protection

I'm curious to know what the data is for lost lawsuits where awarded amounts were in excess of the insurance My understanding is that the plaintiffs rarely go after tangible assets - they want money. Many med mal insurers will agree to pick up the excess award if it was their idea to go to trial an...
by BolderBoy
Sun Aug 02, 2015 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Seller conceals known defects: fraud question
Replies: 53
Views: 5758

Re: Seller conceals known defects: fraud question

My question: If it's unarguable that a seller knows of a property's defects BEFORE he enters into a contract, is he guilty of fraud? In fact, is such a contract even enforceable? At this point, my daughter has suffered no monetary damage except for the $1,000 currently padlocked in an escrow accoun...
by BolderBoy
Sun Aug 02, 2015 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord Question - Military Tenant
Replies: 25
Views: 1506

Re: Landlord Question - Military Tenant

If they decides to stay, can I force them to leave? Probably not. If he falls behind on rent, then you can move to evict him. When the lease expires you can elect to not renew it (I think.) If you try to do anything outside of the lease agreement, you may get a warning from a military lawyer who ca...
by BolderBoy
Sun Aug 02, 2015 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need other assets beside a 4 fund portfolio?
Replies: 10
Views: 869

Re: Do I need other assets beside a 4 fund portfolio?

Basically, if you were a lifetime renter and had a sizable amount of money (I dont), would you be comfortable with 99% of your money being in Lifestrategy Moderate Growth? I know its is an extremely diversified fund but cant help but feel like maybe I need a little bit more. Thanks It is a fund-of-...

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