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Re: Help! My portfolio is a mess!

Total portfolio = 196184k :). You know that 196,184K = 196,184,000 right? I think you are on the right track but need to think about what is meant by diversification. You want it to be as wide as possible so as to cover all segments of the economy if possible. So in your choices look for funds that...
by BolderBoy
Sun Jan 25, 2015 11:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help! My portfolio is a mess!
Replies: 1
Views: 262

Re: Netflix DVD delivery slowdown?

Anyone else notice a change in your delivery pattern? Almost exactly as you describe. Saw it last Fall for a while as well, then it went back to next day here/there. They claim the ones they mailed today will get to me tomorrow. We'll see. Arrived the next day as they claimed it should on the websi...
by BolderBoy
Sat Jan 24, 2015 4:54 pm
 
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 37
Views: 3014

Re: Netflix DVD delivery slowdown?

Anyone else notice a change in your delivery pattern? Almost exactly as you describe. Saw it last Fall for a while as well, then it went back to next day here/there. They claim the ones they mailed today will get to me tomorrow. We'll see. Arrived the next day as they claimed it should on the websi...
by BolderBoy
Sat Jan 24, 2015 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 37
Views: 3014

Re: Gotta Be a Bear Market Coming

A guy I work with has just dumped some money into stocks, and he knows nearly nothing about the stock market, investing, financial planning, or anything like that. I had to explain what the Dow Jones Industrial Average and S&P 500 were, to give an indication of his level of financial sophistica...
by BolderBoy
Sat Jan 24, 2015 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gotta Be a Bear Market Coming
Replies: 64
Views: 7539

Re: Tax Preparation--Anyone try this as second income

A buddy of mine and I were considering taking a tax preparation class(before next tax season) as way to bring a second income. Was wondering if anyone has tried this or taken the classes to do it? I did this in 1980 with a home study course. Learned a LOT about the income tax code. Also learned tha...
by BolderBoy
Fri Jan 23, 2015 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Tax Preparation--Anyone try this as second income
Replies: 13
Views: 2089

Re: Retirement in Arizona - Seeking Advice

Browser wrote:You might try this website to see what comes up.

http://www.findyourspot.com/

Warning - you spend a lot of time clicking on 8 pages of data, then they want a LOT of personal data from you else you go no further.
by BolderBoy
Fri Jan 23, 2015 9:44 pm
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 67
Views: 4284

Re: Netflix DVD delivery slowdown?

Leif wrote:Anyone else notice a change in your delivery pattern?

Almost exactly as you describe. Saw it last Fall for a while as well, then it went back to next day here/there. They claim the ones they mailed today will get to me tomorrow. We'll see.
by BolderBoy
Fri Jan 23, 2015 9:03 pm
 
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 37
Views: 3014

Re: HSA... any receipt savers?

I pay out of pocket and save the receipts, year-over-year, until I have "enough" accumulated to finally write a check out of the account; then those receipts go with the cancelled check into a sealed envelope with the tax year to which the 1099-SA applies. Then start the procedure anew. I ...
by BolderBoy
Wed Jan 21, 2015 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA... any receipt savers?
Replies: 143
Views: 5381

Re: Retirement Plan: How am I doing?

Oh, yeah - you can retire with ease based on what you told us.
by BolderBoy
Sun Jan 18, 2015 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Plan: How am I doing?
Replies: 8
Views: 1190

Re: Do you encrypt financial/investment documents on your PC

But I am more concerned about a burglar making off with my electronics and finding a little treasure trove of data to boot, which is why I encrypt. Maybe you get hit with dumb thieves that don't realize the extra monetary value in the data on the electronics, but what if the person they fence the e...
by BolderBoy
Thu Jan 15, 2015 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you encrypt financial/investment documents on your PC?
Replies: 37
Views: 1976

Re: 27 Years Old - Thoughts

goodlife828 wrote:These are in a non-retirement, taxable account.

Look in the wiki for "tax efficient fund placement". What you have is not very tax efficient but can be fixed rather easily while simplifying at the same time.
by BolderBoy
Thu Jan 15, 2015 9:27 am
 
Forum: Investing - Help with Personal Investments
Topic: 27 Years Old - Thoughts
Replies: 10
Views: 1175

Re: If this was your life...(portfolio/retirement)

Questions: 1. Is any other information needed before you can answer questions? 2. Are my calculations (including SS) correct? 3. People have advocated, prior to retiring, to stop dividend reinvestment due to different taxes on capital gains and short term. Should we do that? 5. What funds (from his...
by BolderBoy
Sun Jan 11, 2015 12:06 am
 
Forum: Investing - Help with Personal Investments
Topic: If this was your life...(portfolio/retirement)
Replies: 11
Views: 2168

Re: New to site and seeking asset allocation advice!

Hello, I am new to this forum and excited about getting some individual investment advice. My husband and I are 53 and 55 years old and are saving for retirement (that is our only investment goal at this time). We would like to get feedback on our overall asset allocation and whether it is appropri...
by BolderBoy
Sat Jan 10, 2015 11:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to site and seeking asset allocation advice!
Replies: 6
Views: 956

Re: Opinions on my 4-fund 401(k)

How old are you?
by BolderBoy
Sat Jan 10, 2015 11:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opinions on my 4-fund 401(k)
Replies: 10
Views: 1263

Re: Young dentist, No debt, Investing strategy

I will be inheriting a significant sum of money at some point in my lifetime. 1) Should an inheritance have any influence on my investing strategy? 2) Does anyone have advice for a young professional with around $35,000 to invest initially? Max out all your retirement options first. Figure out your...
by BolderBoy
Sat Jan 10, 2015 10:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young dentist, No debt, Investing strategy
Replies: 10
Views: 1153

Re: New vanguard Rep

You don't need a rep - you have us.

Each time I get a new rep and s/he emails me introducing and offering to talk, I tell him/her I'm a BH, regular forum member and will contact him/her if I need anything.

That usually does it.
by BolderBoy
Tue Jan 06, 2015 9:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: New vanguard Rep
Replies: 25
Views: 2738

Re: Vanguard sent me a $.01 check.... silly.

In the 1990s I got lots of payment checks from Medicare for $0.01 in envelopes with $0.28 postage affixed. My medical staff buddies didn't blink an eye; said they were getting a lot more of them than I was. I think the Medicare payment law was finally changed to make it a $1.00 minimum.
by BolderBoy
Tue Jan 06, 2015 8:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sent me a $.01 check.... silly.
Replies: 25
Views: 2394

Re: Purchasing the fund minimum...then selling to a level be

I just tried something like this today on behalf of an organization that doesn't have a large total VG holding. When I entered the exchange amount which would have reduced the fund holding to less than the minimum ($3000), a popup warned me that doing so might result in the fund being closed out for...
by BolderBoy
Tue Jan 06, 2015 8:21 pm
 
Forum: Investing - Theory, News & General
Topic: Purchasing the fund minimum...then selling to a level below?
Replies: 4
Views: 699

Re: How to break up with an advisor

Toons wrote:"Bottom line, it is arithmetic, not you, that is prompting this move - so please don't take it personally."

Well Said :thumbsup

+1 Very excellently said!
by BolderBoy
Mon Jan 05, 2015 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to break up with an advisor
Replies: 33
Views: 3154

Re: Career Relevance

market timer wrote:Personally, in your shoes, I would seriously consider a career change into something like nursing. There are strong long term fundamentals supporting demand in this field.

If someone doesn't actually like nursing, it is a horrible way to make a living. For the nurse and the patient.
by BolderBoy
Sun Jan 04, 2015 11:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Career Relevance
Replies: 31
Views: 3343

Re: Career Relevance

Also read the recruiter tips about how to interview well, most people are horrible at interviewing as well but it can be quite fun and interviewing well will also result in a higher offer. Both your interview and your resume should make the employer want to give you an offer quickly out of fear som...
by BolderBoy
Sun Jan 04, 2015 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Career Relevance
Replies: 31
Views: 3343

Re: 3-member LLC with a solo 401K?

Anyone know if I can I have a solo 401k for myself within a 3-member (owner) LLC consisting of myself, spouse, and non-related partner? A solo 401k, as in "individual 401k"? Unless the rules have changed, those are limited to the owner of the business and his/her spouse. A regular 401k, s...
by BolderBoy
Sat Jan 03, 2015 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: 3-member LLC with a solo 401K?
Replies: 16
Views: 1879

Re: How to value travel with a job offer

I'm wondering how others help calculate this. In circumstances of when looking into job offers- how can I accurately place a value on travel. If a job requires some travel. The company will reimburse expenses- but there is always some expenses that you never can calculate or get reimbursed for. Has...
by BolderBoy
Fri Jan 02, 2015 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to value travel with a job offer
Replies: 26
Views: 1568

Re: [Annual POLL] What was your 2014 return?

Using VG's website, personal performance figure = 7.8% with a 40/60, almost entirely 3 fund portfolio.

Wonderful year...
by BolderBoy
Thu Jan 01, 2015 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14070

Re: How to make more money?

We thought about being pharmacist or software developer. There are a few schools that we can do online. Neither of us have degrees. Then most high paying healthcare occupations would be a waste of time for you. Financially there is little chance you could ever catch up since you'd be well into your...
by BolderBoy
Wed Dec 31, 2014 11:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to make more money?
Replies: 53
Views: 5547

Re: How to make more money?

Not sure what is so "horrible" about my advice. I know many MDs, DOs, NPs and PAs who started medicine in their mid 30s. And yes, some of those I know are in medicine to make money. The OP can also become a CRNA in 5 years with much less debt, if any. In 5 years' time, with inflation incr...
by BolderBoy
Wed Dec 31, 2014 11:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to make more money?
Replies: 53
Views: 5547

Re: Failing Entrepreneur ... need advice

Anyone blaming you for moving on (regardless of the reason) needs to grow up and open his eyes. Things change. As long as you haven't been making promises which you simply couldn't keep, you should have a clean conscience and make your move. Now. The sooner you are out of the way, the sooner those r...
by BolderBoy
Sat Dec 27, 2014 11:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Failing Entrepreneur ... need advice
Replies: 23
Views: 3026

Re: Retiree Poll:What is your current AA?

What a beautiful bell curve that is emerging...
by BolderBoy
Sat Dec 27, 2014 11:01 am
 
Forum: Investing - Theory, News & General
Topic: Retiree Poll:What is your current AA?
Replies: 85
Views: 6961

Re: AA Check Point - need advice

Another insurance comment. Employer provided life and disability insurance payouts are subject to income taxes I think. Personal policies are exempt from this if I'm not mistaken, so be sure to cut in half (just to be safe) any value you place on employer provided L & D insurances.
by BolderBoy
Sat Dec 27, 2014 10:57 am
 
Forum: Investing - Help with Personal Investments
Topic: AA Check Point - need advice
Replies: 21
Views: 1296

Re: when do you start focusing on your retirement "number"

I think doing that before you are in your 50s is pretty premature. Just do the simple BH stuff: LBYM, savings before spending, maximize retirement savings options and you should be okay by the time you are really ready to ponder "the number". Maybe you'll overshoot, but enjoy the ride alon...
by BolderBoy
Sat Dec 27, 2014 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: when do you start focusing on your retirement "number"
Replies: 34
Views: 3360

Re: Portfolio review for 34 y/o starting new job

heathshuler wrote:Emergency Funds: 0.5 months

Before investing outside maxing your retirement plans, this needs to be increased a LOT.

Also, are you insured properly? Plenty of life insurance on both you and your wife, disability insurances, liability umbrella, etc...
by BolderBoy
Tue Dec 23, 2014 8:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for 34 y/o starting new job
Replies: 17
Views: 2071

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: 778

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: 3090

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: 2986

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: 1493

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: 1716

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: 196
Views: 26786

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: 1590

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: 1234

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: 196
Views: 26786

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: 1879

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: 761

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: 3522

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: 1514

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: 1596

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: 1082

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: 718

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: 1596

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: 4680

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: 1254
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