Search found 979 matches

Return to advanced search

Re: Young Investor Welcoming Any Advice

Brokerage: ITOT: iShares Total US Stock Market- 75% IXUS: iShares Total International Stock- 25% This one, I guess. Since you are reading Benjamin Graham, you'll see that he recommends a certain minimum bond allocation, but it is truly up to you. Just make sure you go with Index funds if possible. ...
by BolderBoy
Thu Nov 20, 2014 11:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young Investor Welcoming Any Advice
Replies: 16
Views: 850

Re: Healthcare FSA - expecting, due in July

Okay, so estimate now how much you'll need to set aside to avoid the problem you're talking about. Then add more after the birth. My point is that in this situation, you can be conservative now and still not lose anything in the end. +1. IMO this is the best way to approach it. Most deliveries are ...
by BolderBoy
Wed Nov 19, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Healthcare FSA - expecting, due in July
Replies: 12
Views: 797

Re: What financial tools/software do you use?

I don't use any specialized software; so far, Excel was good enough. But I have to plan Roth conversions in the next few years and run what-if scenarios. I am thinking of buying ESPlanner but open to other suggestions. Easy to do with Excel once you set up Excel to do your quarterly estimated tax s...
by BolderBoy
Wed Nov 19, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: What financial tools/software do you use?
Replies: 35
Views: 2193

Re: Fund and portfolio comparison tools

I don't know of anything that covers all that in one place.

VG's own website has a nice, side-by-side comparison ability. Morningstar's website can do some of what you want. Firecalc can show you the forecast outcomes of portfolio arrangements and spending patterns.
by BolderBoy
Wed Nov 19, 2014 11:28 am
 
Forum: Investing - Theory, News & General
Topic: Fund and portfolio comparison tools
Replies: 2
Views: 397

Re: Over my head setting up Backdoor Roth

Sounds like you are doing okay, just wait out the 7 days and make the transfer. It won't generate much interest in 7 days. You do understand that the heart of a "backdoor Roth" is that you start with -0- in a tIRA (in ANY tIRA or SEP-IRA), make the contribution on Day 1 and the convert 100...
by BolderBoy
Wed Nov 19, 2014 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Over my head setting up Backdoor Roth
Replies: 5
Views: 804

Re: Buying a lasting vehicle

I'd buy new if you can swing it. Then MAINTAIN the vehicle properly. And drive it properly (no jackrabbit starts, anticipate stopping, etc). If it doesn't come with synthetic oil on-board already, switch to that at your first oil change and going forward. Extend your oil changes to the maximum the m...
by BolderBoy
Tue Nov 18, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: Buying a lasting vehicle
Replies: 33
Views: 4072

Re: Paid off our Mortgage this evening!

runner9 wrote:I’ll also check the county recorder site in 2 months and make sure the mortgage is released.

You are to be highly congratulated. Having no mortgage is very freeing. In my experience, the county recorder will mail you the document showing the mortgage has been released - store it safely.
by BolderBoy
Tue Nov 18, 2014 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 61
Views: 5718

Re: First Post - Advice For Current Situation Appreciated!

1. I have been with Edward Jones for less than a year, the JAENX fund was rolled over to Edward Jones from an etrade roth ira, and the MCAGX fund is what my adviser has had me contributing to so far this year. Would it be best to immediately stop contributing to this account, and open an IRA with V...
by BolderBoy
Mon Nov 17, 2014 11:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Post - Advice For Current Situation Appreciated!
Replies: 3
Views: 696

Re: Solo-401k, tax questions

I'm working as an independent contractor physician in addition to my W2 job. I'm having trouble figuring out how much I can contribute to my Solo-401k and how much additional self-employment tax I owe. Can anyone help? W2 Job: $300,000 in wages, thus max out Social Security tax bill 1099 Job: $73,0...
by BolderBoy
Mon Nov 17, 2014 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Solo-401k, tax questions
Replies: 5
Views: 678

Re: Emergency and earmarked funds - investing ideas

1. Would it be unreasonable to throw it all into the LifeStrategy Income Fund (VASIX)? I was considering putting it all into Intermediate-Term Tax Exempt (VWITX). But I think that VASIX, with 20% stock, adds a bit of diversification and reduces risk from 100% bonds in VWITX. Ummm, in general stocks...
by BolderBoy
Mon Nov 17, 2014 11:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emergency and earmarked funds - investing ideas
Replies: 8
Views: 943

Re: What to do with equity on sale of home

But I'm not sure how to invest/save the cash that I will need until I turn 59 1/2. Any ideas? I asked a similar question here several months back. Wisdom offered was to probably NOT put any of it in equities, but putting it into bonds (in my case tax-exempt bonds is what I decided) was better - les...
by BolderBoy
Mon Nov 17, 2014 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with equity on sale of home
Replies: 2
Views: 413

Re: Question about Tax Deferred / Taxable Acct Allocations

Would I be better off shifting more bond investments to the taxable account and more stock investments to the tax deferred account? Usually the other way around. Put your least tax efficient investments into the tax deferred account. That would usually be bonds or whatever throws off income taxed a...
by BolderBoy
Mon Nov 17, 2014 10:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about Tax Deferred / Taxable Acct Allocations
Replies: 2
Views: 278

Re: Self Employed Retirement options

I'm self employed and all I have right now is a roth ira and a brokerage account. I'm wanting to start putting money in a tax deferred account, but don't know which option is best. I am not incorporated so it's just me. I have always been told that SEP IRA is probably the best option, but I wanted ...
by BolderBoy
Mon Nov 17, 2014 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Self Employed Retirement options
Replies: 9
Views: 872

Re: Practice of Vendors Rounding Up

This is theft, plain and simple. If they are doing this on a grand scale, it is grand theft and your state AG will want to pursue it as such.
by BolderBoy
Mon Nov 17, 2014 1:54 pm
 
Forum: Personal Consumer Issues
Topic: Practice of Vendors Rounding Up [to distribute to charities]
Replies: 7
Views: 706

Re: Lump sum or pension annuity

Help with investing-retirement. Will be retiring in 2-3 yrs with about 1200,000. in 401k and 400,000 in company pension.Our intention is to use a 3% withdrawl from our 401K,social security and a small amount from rental income.Our goal is to preserve as much of our principal as possible.My question...
by BolderBoy
Mon Nov 17, 2014 1:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump sum or pension annuity
Replies: 2
Views: 350

Re: Basic investment question

Frank79 wrote:What is the best way to begin 'non-retirement' investing?

You truly want easy? Open a Vanguard mutual fund account and buy the Total Stock Market Index fund and a tax-exempt bond fund. Contribute to them regularly as you do your retirement accounts.

... and go to the wiki and READ.
by BolderBoy
Mon Nov 17, 2014 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Basic investment question
Replies: 17
Views: 1390

Re: portfolio allocation

Your portfolio and investing ideas are way beyond me. Might you consider simplifying? Search this site for "three fund portfolio". With your assets now, a simplified portfolio managed yourself, can easily carry you into your golden years.
by BolderBoy
Sun Nov 16, 2014 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio allocation
Replies: 8
Views: 969

Re: Investing in Chocolate? New to all of this.. need help.

If you could, and I would appreciate it, poke some holes in my chocolate investing idea, and then if possible, "teach a man to fish". What did you do to feel like you were in a good position to understand and take control of your financial life? I discovered this forum, studied it thoroug...
by BolderBoy
Sun Nov 16, 2014 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Chocolate? New to all of this.. need help.
Replies: 23
Views: 2404

Re: CA int municipal bond fund vs. Vanguard int muni fund

This does not get discussed much, but I understand that some states have reciprocity with other states on tax-exempt bonds. Meaning you could live in State A but get tax benefits by holidng State B's muni bonds. If this is true (an I'm not positive it is), maybe finding "State B" in your ...
by BolderBoy
Sun Nov 16, 2014 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: CA int municipal bond fund vs. Vanguard int muni fund
Replies: 32
Views: 2121

Re: Want to add bonds to taxable account.

rai wrote:VG intermediate tax exempt

I would do this. As a matter of fact, I am doing this...
by BolderBoy
Sun Nov 16, 2014 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Want to add bonds to taxable account.
Replies: 25
Views: 984

Re: "Downgrading" to a Porsche

If you can meet your long term goals handily and abide the costs-of-ownership for a car you'll be driving relatively little, I'd say go ahead.
by BolderBoy
Fri Nov 14, 2014 11:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Downgrading" to a Porsche
Replies: 39
Views: 5998

Re: Newb needs advice on retirement planning *Detail Update*

You have some more data to gather. Will there be any pensions? Have you obtained a recent Social Security Account statement? You can go to the ssa.gov website, register for account access and generate a statement. You'll need that for retirement planning purposes. Collect up your budgetary expense i...
by BolderBoy
Fri Nov 14, 2014 11:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newb needs advice on retirement planning *Detail Update*
Replies: 7
Views: 781

Re: White list +CAPTCHA type solutions for land-lines?

If you have high speed internet, have you considered a VoIP "landline" instead? I switched to one in 2006 and have never looked back. Can manage what calls get through in a variety of ways on my login page console. My phone now goes days or weeks never ringing. Never get political calls du...
by BolderBoy
Fri Nov 14, 2014 9:32 pm
 
Forum: Personal Consumer Issues
Topic: White list +CAPTCHA type solutions for land-lines?
Replies: 6
Views: 457

Re: Landlord wants us to sign an entirely new contract!

The goodwill you will create with your new landlord, by doing the correct, house contract with him, will far outweigh the damage you can do if you try to make an issue of it and hold him to the apartment contract.
by BolderBoy
Fri Nov 14, 2014 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlord wants us to sign an entirely new contract!
Replies: 51
Views: 5790

Re: 10y - Plan Review

Ignatious P. Daily wrote:any opinions on the insurance coverage question?

You need at least a $1m policy for your wife as well. More if you can get it.
by BolderBoy
Fri Nov 14, 2014 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: 10y - Plan Review
Replies: 17
Views: 1083

Re: AA: Which BONDS funds to buy?

Please post your question in this format, so we know more about your situation.

<http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212>
by BolderBoy
Fri Nov 14, 2014 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA: Which BONDS funds to buy?
Replies: 16
Views: 2945

Re: Mortgage as a savings vehicle

What sort of problems might we face with this approach, I am specifically concerned about liquidity. Since selling is all about location, location, location... is your condo in a hot area and can be sold quickly for what you want, even 5 years from now? If it isn't and liquidity is your highest con...
by BolderBoy
Fri Nov 14, 2014 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage as a savings vehicle
Replies: 18
Views: 1779

Re: Need help for spending hard-earned money wisely

Sounds like you know what to do. Take care of YOU/son first. You have staggering student loan debt and should be targeting that immediately after maxing out your retirement plans. Supplementing your parent's expenses ought to come further down the line along the lines of gift giving. You have an exc...
by BolderBoy
Fri Nov 14, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help for spending hard-earned money wisely
Replies: 18
Views: 2366

Re: David Stockman interview

I came across this interview with David Stockman and it gave me pause, as he feels the Fed has created a huge market bubble, with dire future consequences. What do you think of the points he makes? I think we should lament the loss of yet another owl which he has sacrificed in order to read its ent...
by BolderBoy
Fri Nov 14, 2014 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: David Stockman interview
Replies: 7
Views: 947

Re: Isn't everybody here market timing, by definition?

If you expect a return on your investment over a 40 year period, why can't someone expect a return on their investment over a 1 year period? You can and I most certainly do. I expect a return over a one-day period (when the market is open for business) as the smallest unit of time I'm observing. It...
by BolderBoy
Fri Nov 14, 2014 5:14 pm
 
Forum: Investing - Theory, News & General
Topic: Isn't everybody here market timing, by definition?
Replies: 32
Views: 1843

Re: Save now.... Or later?

Choice #1: I can live on my pension and a monthly draw on my already text savings. This will keep my MAGI at about $30K, resulting in a nearly $700/mo. discount/rebate on my ACA health insurance (almost $8K in 2015). This one. If nothing serious upsets your plan, this should provide the best stretc...
by BolderBoy
Wed Nov 12, 2014 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Save now.... Or later?
Replies: 11
Views: 1828

Re: Few questions before investing(that I couldn't find answ

I am saving enough for my retirement, no problems there, honestly. Besides, with the dollar-my-country-conversion as high as it is now, I can retire like a king with the amount in my 401k right now. So I am not as hedonistic as you think. I just didn't realize the only purpose of investment was for...
by BolderBoy
Mon Nov 10, 2014 7:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Few questions before investing(that I couldn't find answers)
Replies: 16
Views: 1693

Re: Few questions before investing(that I couldn't find answ

Besides, I won't be living permanently in the US. The country I am from, retirement is different, you have people to help you. Retirement isn't something I need to be paranoid about in my country. Heck, my dad and my father in law is retired, and I am more than happy supporting them. Things work di...
by BolderBoy
Mon Nov 10, 2014 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Few questions before investing(that I couldn't find answers)
Replies: 16
Views: 1693

Re: Gathering thoughts vs. Market Timing

mikeny17 wrote:Thank you, I cancelled the hasty transactions I did this morning.

You aren't busy enough - too much time to look at your portfolio. Take a second job.

(PS - it worked for me)
by BolderBoy
Mon Nov 10, 2014 4:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gathering thoughts vs. Market Timing
Replies: 56
Views: 2785

Re: Approach to student debt advice

Looks like your wife is risk averse by nature, and needs to have the $100,000 she brought to the marriage due to "amazing savings skills" in her 20's (yep - that is amazing) in a place she considers safe and secure. I would honor that. Not only because it may be a fundamental need she has...
by BolderBoy
Mon Nov 10, 2014 4:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Approach to student debt advice
Replies: 32
Views: 3507

Re: Should I shelter all my income?

I agree with curmudgeon. You will need a spreadsheet to help you decide and what your marginal tax rate is in retirement will be critical to deciding what to do now. If you are presently in the 15% bracket and defer taxable income into the future when you might be in the 25% bracket with little abil...
by BolderBoy
Mon Nov 10, 2014 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I shelter all my income?
Replies: 3
Views: 663

Re: Gathering thoughts vs. Market Timing

1) I don't think bonds will fare very well now that QE is ending, in the short term at least What is the purpose of bonds in an investment portfolio? The implication of your statement #1 is that you want them to provide growth akin to stocks ("when stocks go down, bonds go up"). You want ...
by BolderBoy
Mon Nov 10, 2014 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Gathering thoughts vs. Market Timing
Replies: 56
Views: 2785

Re: Talk me into/out of Tax Lost Harvesting

I have read the wiki as well as lots of posts here about TLH and quizzed Livesoft several times. However, I am still not convinced it is the best thing to do. The thought of selling something that has gone down in value is very antithetical to my mindset but I know that I am often not right about t...
by BolderBoy
Mon Nov 10, 2014 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Talk me into/out of Tax Lost Harvesting
Replies: 14
Views: 856

Re: Advice please [Received large commission check]

Michael_Fisher1 wrote:perhaps but isnt it a good strategy to invest at large dips

Sure. Can you tell us when that next one is coming? How will you know the bottom when you see it?

The research boys have shown that over the long term, if you were in the market more than out of it, you win.
by BolderBoy
Fri Nov 07, 2014 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice please [Received large commission check]
Replies: 20
Views: 1833

Re: Tough spot, decided to lease a car

I hope this helps. I guess what I am asking for, is how do you find the balance between paying off debt and living life? You don't. Your situation is hopeless and you are going down. Sorry. Next. How is this helpful? Stay out of this thread, if you can't provide objective advice. I'm realistic. You...
by BolderBoy
Thu Nov 06, 2014 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Tough spot, decided to lease a car
Replies: 209
Views: 13821

Re: Car Maintenance

boater07 wrote:Unfortunately the 20K service is not cheap at MB.

Did you know that the service reps at MB are commissioned sales folks? Part of why their pricing is so high. I go to an independent shop specializing in MB, where the pricing is 1/2 or less and the service just as good.
by BolderBoy
Wed Nov 05, 2014 9:07 pm
 
Forum: Personal Consumer Issues
Topic: Car Maintenance
Replies: 32
Views: 3971

Re: Tough spot, decided to lease a car

technofox wrote:I hope this helps. I guess what I am asking for, is how do you find the balance between paying off debt and living life?

You don't. Your situation is hopeless and you are going down.

Sorry. Next.
by BolderBoy
Wed Nov 05, 2014 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tough spot, decided to lease a car
Replies: 209
Views: 13821

Re: Career Advice for an Unhappy Young Doctor?

My wife is an OB/GYN but she knew early in her career that she wasn't going to be catching babies at midnight for the rest of her life. A bunch of years back I worked with a young OBGyn fresh out of residency. She flunked her boards and several months later while elbow deep into a placenta percreta...
by BolderBoy
Wed Nov 05, 2014 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 116
Views: 13257

Re: Driving Trip Planning

Just to close this out. I took the trip (to the BHs conference) and have a few comments. First, the fellow who said I was WAY overthinking this was absolutely correct. I made no reservations along the way and easily found accommodations wherever I decided to stop for the day. Traveled I-80 eastbound...
by BolderBoy
Wed Nov 05, 2014 7:18 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 46
Views: 2213

Re: How often do you change your car's oil?

Manufacturer says Q 13000 miles, so I do it between 7000-13000. Mobile 1 synthetic only.
by BolderBoy
Wed Nov 05, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 10901

Re: Job advice - academic physician career move?

The job would be a significant promotion, and at a significantly more "well known" medical center. I feel this would most likely be a positive career move. How old are you? What are your ultimate career aspirations? Short-term pain for long term BIG gain could be worth it but there are a ...
by BolderBoy
Wed Nov 05, 2014 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job advice - academic physician career move?
Replies: 35
Views: 2882

Re: Job advice - academic physician career move?

The job would be a significant promotion, and at a significantly more "well known" medical center. I feel this would most likely be a positive career move. How old are you? What are your ultimate career aspirations? Short-term pain for long term BIG gain could be worth it but there are a ...
by BolderBoy
Wed Nov 05, 2014 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Job advice - academic physician career move?
Replies: 35
Views: 2882

Re: Is Vanguard a good place to invest?

How does one objectively evaluate a company like Vanguard? Any help on this would be greatly appreciated. All my financial assets are with VG. I'm one of the 250ish BHs who attended Bogleheads #13 a couple of weeks ago near Philly. Part of that experience included a visit to the VG campus itself wh...
by BolderBoy
Tue Nov 04, 2014 11:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard a good place to invest?
Replies: 59
Views: 4996

Re: Taxable Account Strategy Suggestions

- VOO (Vanguard S&P 500 ETF) - VTI (Vanguard Total Stock Market ETF) - VXUS (Vanguard Total International Stock ETF) And on the bond side: - BND (Vanguard Total Bond Market ETF) - BNDX (Vanguard Total International Bond Market ETF) Why not just VTI+VXUS on the equity side (VTI includes VOO equi...
by BolderBoy
Tue Nov 04, 2014 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable Account Strategy Suggestions
Replies: 7
Views: 731

Re: MOAA Insurance

BL wrote:I don't know anything about the company, but would be cautious as companies like to label themselves with the name of respected organizations (AARP, American Legion, etc.) and do this all the time.

She said she heard about this one through something that came from USAA, so I know what you mean.
by BolderBoy
Mon Oct 27, 2014 11:12 am
 
Forum: Personal Consumer Issues
Topic: MOAA Insurance
Replies: 3
Views: 353
Next

Return to advanced search