Search found 1040 matches

Return to advanced search

Re: need help/one step at a time/vanguard mutual funds

VFIIX-E/R .21% @ 1.63 % invested VWIUX-E/R .12% @ 8.67% invested VPGDX-E/R .34% @ 3.69% invested VMGMX-E/R .09% @ .879% invested VMVAX-E/R .09% @ .888% invested VMMXX-E/R .16% @ 56.643% invested VFSUX-E/R .10% @ 2.249% invested VSGAX-E/R .09% @ .822% invested VSIAX-E/R .09% @ .857% invested VMSXX-E...
by BolderBoy
Sun Dec 21, 2014 9:56 am
 
Forum: Investing - Help with Personal Investments
Topic: need help/one step at a time/vanguard mutual funds
Replies: 10
Views: 686

Re: Gas Prices ($1.99) in North Texas

Crimsontide wrote:I really didn't think we would ever see sub two dollar gas again in my lifetime, but Lo and behold, there it is. I passed multiple stations with $1.99 per gallon prices this afternoon. Anyone else enjoying these low prices?

$1.99 this morning at the Costco near Boulder, CO...
by BolderBoy
Fri Dec 19, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: Gas Prices ($1.99) in North Texas
Replies: 45
Views: 2839

Re: Flagship

Riprap wrote:At the risk of being a wet blanket, IMO the whole Flagship thing is just a marketing gimmick used to stroke egos. For most stay the course Bogleheads there isn't really any benefit that I can see.

+1
by BolderBoy
Fri Dec 19, 2014 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flagship
Replies: 22
Views: 2882

Re: How to create a company

A CPA could likely help you with this and might be cheaper than a lawyer.

My "Forms of Business Enterprise" class was taught by a CPA.
by BolderBoy
Fri Dec 19, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to create a company
Replies: 9
Views: 1333

Re: Year 2 as a Boglehead: Portfolio Checkup

Plan 2) The alternative is to simply stay the course in 2015 with the S&P 500 in my 401k and the target date 2050 in the ROTHS. Heading into January 2016 with another 11k ROTH add and wherever the market bares for the next year I could make the same call between plan 1 & 2 again depending o...
by BolderBoy
Fri Dec 19, 2014 4:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Year 2 as a Boglehead: Portfolio Checkup
Replies: 11
Views: 1625

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

I found that the free version of TaxAct was as good or better than TurboTax and easily produced the same results. Rather than feed the TurboTax troll the additional $9.99, I'm planning to reward TaxAct with $19.99 to reinforce their good attitude (deluxe federal version with 5 e-files, http://www.t...
by BolderBoy
Mon Dec 15, 2014 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 140
Views: 16911

Re: My thoughts.

So oil prices are dropping due to an oil oversupply and the stock market is going down, seemingly because of this. I'm not sure such a causation argument can actually be made. Oil prices are dropping because OPEC is out to kill the US oil shale business, so they are artificially dropping the oil pr...
by BolderBoy
Mon Dec 15, 2014 9:33 am
 
Forum: Investing - Theory, News & General
Topic: My thoughts.
Replies: 13
Views: 1572

Re: 3-funds, annual rebalancing, and then what??

new2bogle2 wrote:For those here who have a 3-fund portfolio and rebalance about once per year, what else do you do for the rest of the year(s)?

"Don't just do something, stand there!"
by BolderBoy
Mon Dec 15, 2014 9:24 am
 
Forum: Investing - Theory, News & General
Topic: 3-funds, annual rebalancing, and then what??
Replies: 17
Views: 1208

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

It took me a while to figure out how to manually enter stock transactions into the Deluxe version, but the trick was to enter sales information in the Form 1099-B Worksheet, accessed by "Open Form > Schedule D > Form 1099-B Worksheet". It is not clear whether this will work automatically ...
by BolderBoy
Sun Dec 14, 2014 9:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 140
Views: 16911

Re: tax exempt muni fund questions

Does it make any sense to buy a tax exempt fund at our tax bracket? Should we buy into the NJ fund if we will only hold it for 2 years before moving out of state? As we have never bought into a tax exempt fund is there anything special I should be aware of ? I think it is worth doing. You'd have to...
by BolderBoy
Fri Dec 12, 2014 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: tax exempt muni fund questions
Replies: 13
Views: 1824

Re: Financial Review Advice - what to expect for your money

adviseseeker wrote:Please help. Can anyone tell me what a holistic financial review should consist of?

Never heard of it. These folks talk about it some: <http://www.fool.com/personal-finance/saving/2006/11/10/holistic-financial-planning.aspx>
by BolderBoy
Wed Dec 10, 2014 11:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Review Advice - what to expect for your money
Replies: 6
Views: 745

Re: IRS Investigator viewed my LinkedIn profile?

According to LinkedIn, an IRS investigator looked at my profile yesterday. Haha. If the IRS was investigating you, you won't know about it until they themselves let you know - not LinkedIn. A buddy and I were driving around my neighborhood the other day with him manning the laptop looking for Xfini...
by BolderBoy
Wed Dec 10, 2014 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Investigator viewed my LinkedIn profile?
Replies: 14
Views: 3448

Re: Holiday Tipping

What do people usually tip for house cleaners and lawn service for the holidays? Do you factor in if you're traveling for the holidays and skipping a service? I give my housekeeper 2.5x her regular day's fee for her last cleaning before Xmas. Been doing that for the 12 years she's been taking care ...
by BolderBoy
Tue Dec 09, 2014 12:44 am
 
Forum: Personal Consumer Issues
Topic: Holiday Tipping
Replies: 13
Views: 1481

Re: Year-End Review for a 24 year old...

I do have access to an HSA account but I don't really see the purpose since my health insurance has a low $500 deductible and a $20 co-pay. I might look into this though but does an HSA grow as a pre-tax account or is all the money in the account depreciating each year due to inflation? Don't think...
by BolderBoy
Sun Dec 07, 2014 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Year-End Review for a 24 year old...
Replies: 14
Views: 1566

Re: Muliple Vanguard "Total Stock Market Index" funds questi

ResearchMed wrote:Added: There are two labeled "Inst" that both have ER's of .04%, one with $5m and one with $100m minimum.


Well, I'm mostly happy to see that you are having trouble deciding between which of the two above you want to invest.

:happy
by BolderBoy
Sun Dec 07, 2014 7:00 pm
 
Forum: Investing - Theory, News & General
Topic: Muliple Vanguard "Total Stock Market Index" funds question
Replies: 17
Views: 1056

Re: HELP with MY Roth IRA and Taxable Account

Our life insurance is set up through my father-in-law's Edward Jones advisor. Based on the rest of your post it is best to understand that your FiL has an EJ *salesman*. What he advises you to do is to help him #1 and you #2. He's just makin' a livin', but you don't have to let him make it on your ...
by BolderBoy
Sun Dec 07, 2014 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with My Roth IRA and Taxable Account
Replies: 11
Views: 707

Re: Year-End Review for a 24 year old...

After all my monthly expenses and allowing for some "fun money" for movies/eating out/etc, I'm left with a surplus of appx. $1200/ month that has no allocated purpose. What should I do with this? Taxable account? Buy iBonds? Pay off my Fusion? Stuff it in my mattress? I'm open to suggesti...
by BolderBoy
Sun Dec 07, 2014 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Year-End Review for a 24 year old...
Replies: 14
Views: 1566

Re: Bah Humbug [managing Christmas spending]

I'm curious how do Boglehead followers maintain a frugal life with the onslaught of temptations each Christmas. How can you keep the spirit of giving while still giving to yourself for one's own security. In many ways I'm finding it difficult. Is any one else conflicted this time of year? Not in th...
by BolderBoy
Sun Dec 07, 2014 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Bah Humbug [managing Christmas spending]
Replies: 52
Views: 4620

Re: Returning to college at age 32: Help picking a major

Cyber security - major CS and do whatever it takes to get into that field. A lot of crummy hours, weekends, etc involved, but serious money as well. This is what Snowden did and he was making BIG bucks.
by BolderBoy
Sun Dec 07, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Returning to college at age 32: Help picking a major
Replies: 19
Views: 1209

Re: Investing Magazines

Save your money. This website and the recommended books are all that you need. The magazines will tell the latest 100 hot stocks and mutual funds where to invest your money. They are what we call around here "financial porn." +1. I subscribed to Money Mag for 30 years and dropped it a yea...
by BolderBoy
Sun Dec 07, 2014 9:08 am
 
Forum: Investing - Theory, News & General
Topic: Investing Magazines
Replies: 29
Views: 2251

Re: Is it safe to leave Laptop in hotel room

I leave stuff like this in the room all the time. However, I always put the "do not disturb" tag on the door at all times, as I don't like housekeeping coming in my room when I'm not there. +1 Most of the housekeeping staff are too busy to go into a room with the DND tag on the door and i...
by BolderBoy
Sat Dec 06, 2014 11:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 8026

Re: Helping my dad with his portfolio

I'll be a real cynical curmudgeon here and complain that there is life insurance listed as part of his portfolio. That suggests to me that his "financial advisor" is actually a "financial salesman" and the ENTIRE Edward James account ought be viewed with skeptism.
by BolderBoy
Sat Dec 06, 2014 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping my dad with his portfolio
Replies: 52
Views: 2524

Re: Dealing with unauthorized (lawyer) bill

I do not believe I had any obligation to pester him again to answer my email. Email was the method they used to send us the blank form requesting us to fill the confidential information (before the initial free consultation). I am truly interested to find what you think I did wrong under the given ...
by BolderBoy
Sat Dec 06, 2014 11:45 am
 
Forum: Personal Consumer Issues
Topic: Dealing with unauthorized (lawyer) bill
Replies: 61
Views: 7136

Re: Dealing with unauthorized (lawyer) bill

Okay, now I get it. You had your meeting with the lawyer and before you decided NOT to use his services but after you left his office you returned the detailed information sheet to him by mail. If I were the lawyer, I'd have been confused as well since the return of the info sheet *by mail after the...
by BolderBoy
Fri Dec 05, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with unauthorized (lawyer) bill
Replies: 61
Views: 7136

Re: Dealing with unauthorized (lawyer) bill

I have no idea why the OP started with as weird contractor's analogy. Seems to confuse people for no reason. And something tells me that some material facts were left out. +1 OP: This has to be one of the oddest posts ever. +2 Mr OP, I'm of the opinion that if you are as evasive with a small claims...
by BolderBoy
Fri Dec 05, 2014 1:18 am
 
Forum: Personal Consumer Issues
Topic: Dealing with unauthorized (lawyer) bill
Replies: 61
Views: 7136

Re: Review IPS and Strategy Across PreTax, Roth, Taxable Acc

Questions: 1. Seems reasonable? Any improvements to either the statements or the strategy? 2. Does it make sense to have my one taxable holding for now be "Total International Stock Market"? I am just starting investing in taxable land. And am trying to figure out a strategy across all my...
by BolderBoy
Wed Dec 03, 2014 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Review IPS and Strategy Across PreTax, Roth, Taxable Account
Replies: 4
Views: 893

Re: Do RMDs at 30 years old affect typical investment guidel

I am trying to get my head around whether having to take RMDs at a relatively young age (30) due to inherited IRA affects the typical investment guidelines on this site. I don't see why it would. This is an inherited tIRA I presume? It still retains its "IRA" quality. You take the yearly ...
by BolderBoy
Wed Dec 03, 2014 6:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do RMDs at 30 years old affect typical investment guidelines
Replies: 13
Views: 1644

Re: Close to retirement with this much money need thoughts!

Through a divorce settlement 1 and 1/2 years ago I acquired $385,000.00 in cash and stocks. Is the $385k what is itemized below? I have hit a real issue with finding work that pays a decent salary so I have been substitute teaching for the last year making roughly $7000. I am working on changing th...
by BolderBoy
Wed Dec 03, 2014 5:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Close to retirement with this much money need thoughts!
Replies: 14
Views: 2765

Re: Investing for 18 y/o granddaughter

You could do it either way but making it part of the trust assets would mean that you would need to alter the terms of the trust to specifically give her that account's assets so I would use a transfer on death beneficiary designation (I assume this is a taxable account). Agree - would not involve ...
by BolderBoy
Wed Dec 03, 2014 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing for 18 y/o granddaughter [Revocable Trust]
Replies: 7
Views: 617

Re: Advice on old beater car. Best way to get rid?

Our local school district accepts (and seeks) old cars. Students in the Industrial Arts program are studying to become auto mechanics. They take the old cars apart, and put them back together. The donation is tax-deductible. And society will have skilled technicians to work on our cars in the futur...
by BolderBoy
Wed Dec 03, 2014 5:16 pm
 
Forum: Personal Consumer Issues
Topic: Advice on old beater car. Best way to get rid?
Replies: 34
Views: 2806

Re: Stanley Kubrick's 2001 a space odyssey

My belief is that there isn't an atom of meaning in it. +1 I saw the movie in the theatre when it first came out and found it baffling. I'd read Clarke's Childhood's End , so I was at least clued in to his ideas, but the movie was too abstract. The story was incomprehensible or non-existent, and th...
by BolderBoy
Wed Dec 03, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 64
Views: 3977

Re: Conservative portfolio results?

Here's the asset allocation DIVERSIFIED EMERGING MKTS 9.2 FOREIGN LARGE BLEND 9 INTERMEDIATE BONDS 6 INTERMEDIATE-TERM BOND 11.1 LARGE CAP - BLEND 19.8 LARGE CAP - GROWTH 3.2 LARGE CAP EQUITY 3.6 MID CAP - BLEND 5 MONEY MARKET 8.8 MULTISECTOR BOND 7 WORLD BOND 10.5 WORLD STOCK 6.2 and heres the ass...
by BolderBoy
Tue Dec 02, 2014 11:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Conservative portfolio results?
Replies: 41
Views: 3619

Re: Dividend Payment vs Share Price Fluctuation

Okay, I think I understand. It is the fund which has been keeping track throughout the year, of all the dividends being paid out by the companies which the fund holds. It is the fund then, which chooses when to distribute those paid-in dividends to the fund's shareholders. Have I got that right? A p...
by BolderBoy
Mon Dec 01, 2014 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend Payment vs Share Price Fluctuation
Replies: 3
Views: 574

Dividend Payment vs Share Price Fluctuation

A friend asked that I submit the following question to the group, if you please. Is there a relationship between a Vanguard fund's X-dividend payout and recent NAV price fluctuations of that fund? Example: VGENX (energy) is getting hammered of late. The estimated Dec 19 dividend to be paid is approx...
by BolderBoy
Mon Dec 01, 2014 1:15 am
 
Forum: Investing - Theory, News & General
Topic: Dividend Payment vs Share Price Fluctuation
Replies: 3
Views: 574

Re: Two years later

Congratulations and well done!

Spread your knowledge.
by BolderBoy
Mon Dec 01, 2014 12:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Two years later
Replies: 2
Views: 1010

Re: Solar Panels for Home

Is the person coming to talk with you primarily a salesman or an engineer? If the former, ponder his suggestions with the most jaundiced of eyes. Yup salesman ! On my cul-de-sac we had a salesman come look at all the homes and on another day a civil engineer. Both worked for solar panel installatio...
by BolderBoy
Sat Nov 29, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: Solar Panels for Home
Replies: 17
Views: 1671

Re: Documentaries to recommend?

Fed Up (2014) - powerful indictment and good explanation of the obesity problem - not rocket science but may not be exactly what you have thought, either.
by BolderBoy
Sat Nov 29, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 90
Views: 7643

Re: Solar Panels for Home

Is the person coming to talk with you primarily a salesman or an engineer?

If the former, ponder his suggestions with the most jaundiced of eyes.
by BolderBoy
Sat Nov 29, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Solar Panels for Home
Replies: 17
Views: 1671

Re: An overdue update from a "panicked investor"

westhermes wrote:Our current portfolio balance is low to mid 7 figures

So $3-5 million? Do you have a need to take so much risk going forward?
by BolderBoy
Fri Nov 28, 2014 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: An overdue update from a "panicked investor"
Replies: 86
Views: 8745

Re: Physician Assistant - Employee or Independent Contractor

1099 is far more lucrative as long as you set your rate high enough to cover health insurance, SS both halves, accounting, insurance, etc. And Profit. After all, YOU are taking a risk, and incurring extra expense and work. You can write off many business expenses. Some of these include rent, comput...
by BolderBoy
Fri Nov 28, 2014 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician Assistant - Employee or Independent Contractor?
Replies: 25
Views: 2486

Re: Physician Assistant - Employee or Independent Contractor

My understanding from two different careers, both of which have lots of ICs, is that an easy preliminary test that most fail is that you must set your own hours. The 'test' is not any one thing, but rather the whole picture. The exercise of independent judgment would probably trump any hours test, ...
by BolderBoy
Fri Nov 28, 2014 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician Assistant - Employee or Independent Contractor?
Replies: 25
Views: 2486

Re: Physician Assistant - Employee or Independent Contractor

Bolder boy - while I do not recall any cases with PAs, I have seen a number of cases where dental assistants working for a number of dentists under the circumstances described by the OP were found to be mis-classified as independent contractors. Folks with professional licensure pass muster more ea...
by BolderBoy
Fri Nov 28, 2014 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician Assistant - Employee or Independent Contractor?
Replies: 25
Views: 2486

Re: Physician Assistant - Employee or Independent Contractor

An alternative... If the OP is uncomfy with the 1099 offer, how about he sets up an LLC (use it as an S-Corp), have the MD-PA group 1099 the LLC and OP be the W-2 employee of the LLC? Lots more paperwork for OP, but if it is otherwise a deal breaker it would satisfy the "employee" issue th...
by BolderBoy
Thu Nov 27, 2014 8:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Physician Assistant - Employee or Independent Contractor?
Replies: 25
Views: 2486

Re: Physician Assistant - Employee or Independent Contractor

I guess I'll simply disagree with the naysayers on this thread. You can do this as an independent contractor - I know plenty of PAs and NPs who've done so for many years and have never been hassled by the IRS or even questioned about their status. In my particular case, I provide absolutely nothing ...
by BolderBoy
Thu Nov 27, 2014 1:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Physician Assistant - Employee or Independent Contractor?
Replies: 25
Views: 2486

Re: Favorite TED Talks

How to tie your shoes. It is only about three minutes long. http://www.ted.com/talks/terry_moore_how_to_tie_your_shoes?language=en There is a very good chance that you have been doing it wrong since you were a kid. Amusing. Since I've been using a Surgeon's knot technique for laying down the first ...
by BolderBoy
Wed Nov 26, 2014 1:55 am
 
Forum: Personal Consumer Issues
Topic: Favorite TED Talks
Replies: 26
Views: 3513

Re: Life changing decision... advices needed!

How old are you?
by BolderBoy
Wed Nov 26, 2014 1:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Life changing decision... advice needed!
Replies: 91
Views: 10730

Re: Physician Assistant - Employee or Independent Contractor

Personally, I'd go the 1099 route + ask that they add you to the malpractice policy. I'm not current on PA incomes, but something +- $100/hr seems about right (if they won't add you to the med mal policy, consider $110/hr). You could sweeten the deal with them by offering to cover only as many hours...
by BolderBoy
Wed Nov 26, 2014 1:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Physician Assistant - Employee or Independent Contractor?
Replies: 25
Views: 2486

Re: Strategically not paying medical bills for 90 days for a

The reason the chargemaster price is high has to do with taxes. Let's say that Doctor X bills the insurance policy $3,000 for a colonoscopy, but his list or chargemaster price is $7,000.00 If someone without insurance doesn't pay the bill, he can write it off as a $7,000 loss so there's good incent...
by BolderBoy
Wed Nov 26, 2014 1:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Strategically not paying medical bills for 90 days for a dis
Replies: 30
Views: 3941

Re: Allocation

I also have high risk tolerance and have there is almost a zero chance I sell during a downturn, so I don't need bonds for the psychological benefit either. "almost zero chance" is not the same as "zero chance". If you can quantify the actual chance (such as 5%, 20%, whatever), ...
by BolderBoy
Wed Nov 26, 2014 12:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Allocation
Replies: 16
Views: 1061

Re: Allocation

I also have high risk tolerance and have there is almost a zero chance I sell during a downturn, so I don't need bonds for the psychological benefit either. "almost zero chance" is not the same as "zero chance". If you can quantify the actual chance (such as 5%, 20%, whatever), ...
by BolderBoy
Wed Nov 26, 2014 12:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Allocation
Replies: 16
Views: 1061
Next

Return to advanced search