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Re: KeePass vs LastPass

Both are equally great and you can't go wrong with either one.

I use keepass.
by bogleblitz
Thu Apr 10, 2014 10:56 am
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 6022

Re: HTTPS [Request to implement HTTPS for this site]

I bet more than 50% of the bogleheads here don't know what https is and don't care.

Most popular forums I visit don't have https either so I don't see it as a problem.
by bogleblitz
Fri Apr 04, 2014 12:41 am
 
Forum: Forum Issues and Administration
Topic: HTTPS [Request to implement HTTPS for this site]
Replies: 52
Views: 2676

Re: Mr. Money Mustache: Hero or Foolish?

Neither. There are a few things I admire: 1. His annual spending is $25k. Mines is twice that and I thought I was frugal. This makes him like a boglehead since he lives below his means. 2. He has a passion to build and fix houses. I wish I did, but I hate fixing and building houses even though I own...
by bogleblitz
Mon Mar 31, 2014 10:24 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 250
Views: 27706

Re: What age did you reach 100K networth?

29. Then I put all that money into down payment of my first house in 2007
by bogleblitz
Fri Mar 28, 2014 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 31247

Re: Boglehead's view on Real Estate investing

My dad did this while I was growing up......thus I will never do it. What I observed: Tenants not paying rent for months. Tenants moving out and leaving a couple dumpsters worth of their junk (although I did get a guitar amp speaker cabinet once) :) Refurbishing time and expense. Tenants calling up...
by bogleblitz
Wed Mar 19, 2014 11:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead's view on Real Estate investing
Replies: 31
Views: 2646

Re: Do you love your job? What do you do?

I have passed up promotion to Associate Principal Engineer several times. Isn't Associate Principal Engineer still an engineer and not a manager? I'm a software programmer and I enjoy my work. I don't see myself retiring early to quit my job. When I retire, I probably will still do something comput...
by bogleblitz
Sun Mar 16, 2014 2:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 10112

Re: How did you decide how much to save?

We did not decide how much to save, we decided how much we need to spend, and then what was left over after taxes gets saved. This sums it up for me. This sums it for me too. The first few years out of college, nothing much was saved because everything goes to student loans and expensive luxury ite...
by bogleblitz
Thu Mar 13, 2014 11:19 pm
 
Forum: Investing - Theory, News & General
Topic: How did you decide how much to save?
Replies: 119
Views: 9182

Re: is 4gb memory, 500gb hd adequate for new desktop?

Yes, it will be enough. I have 4gb and I use it for gaming. I play diablo3 and dota2 everyday.

So for non gaming, it is more than enough.

As for disk space, everything is stored in the cloud these days. I only use about 100gb but I use ssd, solid state drive.
by bogleblitz
Sat Mar 08, 2014 12:46 pm
 
Forum: Personal Consumer Issues
Topic: is 4gb memory, 500gb hd adequate for new desktop?
Replies: 56
Views: 1872

Re: What video games are you currently playing?

I play Dota2 on PC, a game similar to League of legends. Also a free to play game, spent thousand of hours and haven't paid a penny.

I might get back into diablo3 once expansion pack comes out this month.
by bogleblitz
Fri Mar 07, 2014 6:01 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4236

Re: Alternatives to MINT.com

How do you (meaning anybody reading this) know you can trust these free services with the user name and passwords to your actual financial custodians? I'm concerned that someone could hack the free services and get my passwords. I realize the services keep passwords in encrypted files, but even enc...
by bogleblitz
Thu Mar 06, 2014 1:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Alternatives to MINT.com
Replies: 33
Views: 3187

Re: Alternatives to MINT.com

I use both personalcapital for investments and mint for credit cards/banks/everything else.
by bogleblitz
Wed Mar 05, 2014 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Alternatives to MINT.com
Replies: 33
Views: 3187

Re: 31% cumulative

31% for 1 year is very good year. If you had 1 million, you now have 1.31 million.
32% was the stocks S&P benchmark earn in 2013, so you are probably 100% all equity stocks.

No need to rollover to any IRA.
by bogleblitz
Wed Mar 05, 2014 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: 31% cumulative
Replies: 10
Views: 1152

Re: What to say to Non-Savers

I thought usually people have similar habits with their mom.

My mom is very frugal which taught me to be frugal.
by bogleblitz
Tue Mar 04, 2014 1:12 am
 
Forum: Personal Finance (Not Investing)
Topic: What to say to Non-Savers
Replies: 71
Views: 5181

Re: Used $35k Porsche on $64k income?

No.

$30k was the most I paid for my first new car. Then every car I bought afterwards was a lower price car.
by bogleblitz
Mon Mar 03, 2014 10:38 pm
 
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 6411

Re: Need advice on employer stock purchase plan

Thanks for the reply. I must be doing my taxes wrong. I think next year I'll go to a tax professional instead of using the H&R Block online's service. You can still fix this year on H&R block, and amend the tax return. It could be 1-2 thousand dollars you are paying extra on that short term...
by bogleblitz
Mon Mar 03, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need advice on employer stock purchase plan
Replies: 6
Views: 231

Re: Need advice on employer stock purchase plan

Keep doing it as it is free money. Also your question seems to make me think you are paying double tax on that 10% discount. Please make sure you are doing your taxes correctly. If you sell the very next day, there should be no capital gains. You should not need to wait 1 year to sell it. Since you ...
by bogleblitz
Mon Mar 03, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need advice on employer stock purchase plan
Replies: 6
Views: 231

Re: What to say to Non-Savers

Doesn't the economy needs these non-savers? if everyone was a big saver, then alot of high class business would go out of business.
by bogleblitz
Mon Mar 03, 2014 2:39 am
 
Forum: Personal Finance (Not Investing)
Topic: What to say to Non-Savers
Replies: 71
Views: 5181

Re: Verizon wireless to T-Mobile

As mentioned, please make sure you get good T-mobile signal at home, work, or wherever you are located the most. For myself, T-mobile signal is very bad at work so I'm not going to switch. You might also notice the data speed might be slower compared to Verizon. T-mobile is cheaper and you will get ...
by bogleblitz
Wed Feb 26, 2014 8:16 pm
 
Forum: Personal Consumer Issues
Topic: Verizon wireless to T-Mobile
Replies: 11
Views: 616

Re: Target Retirement Date Funds

It is normal for target retirement funds in 401k to not have have a ticker symbol. To see everything in google, I usually replace the Blackrock target retirement fund with the Vanguard target date 2030 VTHRX or equivalent. You can find and compare which Vanguard is closest to Blackrock 2055. Then ev...
by bogleblitz
Mon Feb 24, 2014 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Date Funds
Replies: 3
Views: 567

Re: Best place to procure a mortgage

I got a mortgage from http://www.quickenloans.com/ last year. Try them and any local bank like Bank of America, Citizens Bank, or whatever bank is near that house you are buying.
by bogleblitz
Mon Feb 24, 2014 2:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Best place to procure a mortgage
Replies: 15
Views: 713

Re: Small Investors Jump Back Into the Trading Game

boroc7 wrote:
leo383 wrote:I don't have access to wsj.


To read any wsj article, you can google search the title of the article. From google, it brings you to the full article.

So go to google.com and search for 'Small Investors Jump Back Into the Trading Game'. Click on the first result.
by bogleblitz
Mon Feb 24, 2014 2:51 am
 
Forum: Investing - Theory, News & General
Topic: Small Investors Jump Back Into the Trading Game
Replies: 30
Views: 1729

Re: Backdoor Roth IRA Contribution - How To in Taxes?

See my thread about backdoor Roth taxes posted today too:

viewtopic.php?f=1&t=133597


Vanguard didn't make any mistake.
by bogleblitz
Sun Feb 23, 2014 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA Contribution - How To in Taxes?
Replies: 11
Views: 1096

Re: Backdoor Roth is complicated for taxes

“Other Contributions Previously Taxed by Massachusetts” entry on the page titled “Your federally taxable IRA/Keogh plan distributions received during 2013 are $XXXX″ I fix the MA state deduction at exactly this question. I thought I don't have to fix it in the State section. Filling out 8606 should...
by bogleblitz
Sun Feb 23, 2014 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth is complicated for taxes
Replies: 18
Views: 1631

Re: Back Up Computer Options

What are you backing up? how big? pictures, music, documents? I recommend an external harddrive. Then also backup all or some pictures to google+ pictures or dropbox. documents can also go to google drive or dropbox. So you have 2 backups, one local and one in the cloud for important stuff like pict...
by bogleblitz
Sun Feb 23, 2014 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Back Up Computer Options
Replies: 50
Views: 2157

Re: Backdoor Roth is complicated for taxes

Thanks for all the replies. I contribute $5500 to Traditional IRA in 2013. I backdoor/converted the Traditional IRA $5500 to Roth IRA in 2013. I have no other IRA money and my Traditional IRA balance is $0 at the beginning and end of the year. This is the second year I've done this. The first year s...
by bogleblitz
Sun Feb 23, 2014 2:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth is complicated for taxes
Replies: 18
Views: 1631

Re: How long to keep previous years Income tax returns????

I have kept all years for the turbotax pdf version on a backup harddrive. Is that where people are storing them? Instead of a backup harddrive, I'm thinking of storing them in the cloud now. either dropbox or google drive. Anyone store them there? just wondering of security if somehow someone got ho...
by bogleblitz
Sun Feb 23, 2014 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long to keep previous years Income tax returns????
Replies: 43
Views: 2678

Backdoor Roth is complicated for taxes

I think a backdoor roth is complicated to fill out during tax time and i'm not sure if it is worth the effort. First I get the 1099-R form from Vanguard. Getting a 1099-R somehow makes me feel old like I'm 60 years old. I'm only in my 30s. I then automatically import the 1099-R form into turbotax, a...
by bogleblitz
Sun Feb 23, 2014 12:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth is complicated for taxes
Replies: 18
Views: 1631

Re: TurboTax asked me a personal question

I use turbotax and was ask the same question.
by bogleblitz
Thu Feb 20, 2014 11:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax asked me a personal question [IRS Form 8606]
Replies: 10
Views: 1431

Re: Turbo Tax Audit Risk

Some tax software said my audit risk was higher because my combine income with spouse was over 200k.
by bogleblitz
Tue Feb 18, 2014 2:07 am
 
Forum: Personal Consumer Issues
Topic: Turbo Tax Audit Risk
Replies: 7
Views: 1019

Re: Worth it to ditch Target Retirement fund? (24 y.o.)

Stick with Target retirement. For myself, I choose target retirement. When I choose my own funds instead of Target Retirment, I find that I'm always tinkering around. trying to find the perfect porfolio. I find myself buying more of this or that depending on the news or my feeling during certain mon...
by bogleblitz
Sun Feb 16, 2014 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Worth it to ditch Target Retirement fund? (24 y.o.)
Replies: 21
Views: 1736

Re: CBS Lazy Portfolio Update

It is not a fair comparison as the Asset Allocation is different.

Some of them like Second Grader has 90% stock, 10% bond.

Majority of them are 60% stock, 40% bond.

The 10 year annual return for all of them are very similar so pick one and stick with it.
by bogleblitz
Sun Feb 16, 2014 5:29 pm
 
Forum: Investing - Theory, News & General
Topic: CBS Lazy Portfolio Update
Replies: 10
Views: 1390

Re: Advantageous time to buy

buy all in right away tomorrow Monday Feb 3.
by bogleblitz
Sun Feb 02, 2014 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advantageous time to buy
Replies: 11
Views: 2169

Re: "150 Portfolios Better Than Yours"

It would be interesting to see what the annual returns are on all 150 portfolios one year from now in a comparison table. http://www.marketwatch.com/lazyportfolio/ market watch shows 8 major portfolios with 10 year annualized returns. As one can see, they all have similar performance after 10 years.
by bogleblitz
Sat Jan 25, 2014 1:34 am
 
Forum: Investing - Theory, News & General
Topic: "150 Portfolios Better Than Yours"
Replies: 52
Views: 4448

Re: commodities as an asset class in 401k?

My target retirement fund 2035 in 401k has 4% commodities and 4% reits.
I hated it at first since it was not doing as well as vanguards TR. I just accept it now.
The commodities percentage disappears as the target date reaches closer to retirement.
by bogleblitz
Mon Jan 20, 2014 2:55 am
 
Forum: Investing - Theory, News & General
Topic: commodities as an asset class in 401k?
Replies: 5
Views: 390

Re: Biggest regrets in your life in financial investment?

VictoriaF wrote:In 2000, buying my high-tech company's stock inside 401(k) as the stock was plunging. I could not even do TLH.


Same exact mistake here. Lucky it wasn't alot of money for me and lesson learn. Never buy employee company stock. Now I don't buy any stock at all. only index mutual funds.
by bogleblitz
Fri Jan 17, 2014 2:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 7196

Re: Selling real estate without a realtor

OP's story is similar to mines. I also sold a condo last year with no realtor. The buyer was the a friend of the renter of my condo.

I didn't have to do any cleaning up after the renters, no need to find sellers. Everything went smoothly.
by bogleblitz
Fri Jan 17, 2014 12:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Selling real estate without a realtor
Replies: 8
Views: 793

Re: 10k to invest

sambb wrote:Put the 10 k. In total world index and dont look at it for 20 years. You will be happy


As already mentioned. buy 10k worth of VT

VT = Vanguard Total World Stock ETF
by bogleblitz
Tue Jan 14, 2014 11:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: 10k to invest
Replies: 27
Views: 1823

Re: 3 fund portfolio vs. slice and dice

nobody knows. It's like asking if stock market will go up this year. slice and dice makes you feel like you have more control. Like going to a casino and play craps. You get to hold the dice and throw it. So you feel you can make the difference. In reality, you have not control over the dice and you...
by bogleblitz
Tue Jan 14, 2014 11:40 pm
 
Forum: Investing - Theory, News & General
Topic: 3 fund portfolio vs. slice and dice
Replies: 39
Views: 2648

Re: High Earners - What's Your Profession?

Software programmer. Any software programmer with 5 years of experience should get more than 100k.

I also agree that 100k is not alot.
by bogleblitz
Tue Jan 14, 2014 12:17 am
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 334
Views: 22774

Re: Callan Periodic Table 1994 - 2013 available

Thanks for the link. Always fun to look at every year.

Diversify and buy them all. I'm thinking of going to 3 fund instead of slice and dice.
by bogleblitz
Mon Jan 13, 2014 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: Callan Periodic Table 1994 - 2013 available
Replies: 5
Views: 514

Re: Backdoor Roth in Money Market

I invest $5500 into Traditional IRA money market in 2013. Then 1 week later, I convert it to Roth. The money I converted was $5500.01. So there was 1 cent I need to pay taxes on I think. When I go into TurboTax and put in $5500.01, turbotax just ignores my 1 cent and converts it to $5500. So I think...
by bogleblitz
Fri Jan 10, 2014 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth in Money Market
Replies: 15
Views: 832

Re: Home Builder Experience

I've been burned by a few contractors that I never want to do any renovation again. They took my money and ran away.

I rather buy an already built house than go through the hassle of building a new one.
by bogleblitz
Fri Jan 10, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: Home Builder Experience
Replies: 36
Views: 2033

Re: How do you filter your water?

My family boils the water first. no filters.
by bogleblitz
Thu Jan 09, 2014 2:05 am
 
Forum: Personal Consumer Issues
Topic: How do you filter your water?
Replies: 77
Views: 3135

Re: 401k.fidelity.com sucks

I never heard of this problem. Try using a different browser like google chrome.
by bogleblitz
Thu Jan 09, 2014 2:02 am
 
Forum: Personal Consumer Issues
Topic: 401k.fidelity.com sucks
Replies: 13
Views: 1147

Re: One Stock

GOOG google
by bogleblitz
Tue Jan 07, 2014 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: One Stock [Purchase one share for grandchild]
Replies: 23
Views: 1105

Re: Question about 401k contribution at end of year

It should be 2013. My w2 and Fidelity yearly statement differs about 1 paycheck because of the very last payment. It was quite annoying.
by bogleblitz
Sun Jan 05, 2014 10:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about 401k contribution at end of year
Replies: 5
Views: 161

Re: What was your 2013 return?

Hi, I am pretty new to the world of investment (just finished my third year as an employee). All of my 401K contribution is with fidelity. For the return rate, mine was 33.6% if the Year-to-date change is the right place to find answer. Very nice return. Fidelity Year-to-date is accurate. I think t...
by bogleblitz
Thu Jan 02, 2014 1:15 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 8533

Re: Do you ever feel you are being too frugal?

I live in Boston, MA where it is pretty cold in winter time. I set our house between 65-70degrees. We still feel it is a bit cold most of the time.

Then we go visit our friends/relatives where they set their house to 75-80 and house feels really warm and nice. I definitely feel i'm too frugal.
by bogleblitz
Mon Dec 30, 2013 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you ever feel you are being too frugal?
Replies: 65
Views: 5093

Re: Rent Out Condo or Sell It

I would rent it out. Condo are easy to rent out. I was forced into renting out my condo around 2009 since selling would have a major lost. Housing turned around and I sold it in 2011 for the original purchase price. You can keep renting it out until the condo goes back to the original purchase price...
by bogleblitz
Mon Dec 30, 2013 11:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Rent Out Condo or Sell It
Replies: 43
Views: 3046
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