Search found 32 matches

Return to advanced search

Re: How to encrypt files for backup?

Another happy TrueCrypt user here...then I back up using SOSBackup...
by boglesmkcents
Sat Apr 12, 2014 12:59 am
 
Forum: Personal Consumer Issues
Topic: How to encrypt files for backup?
Replies: 22
Views: 1224

Re: Domestic vs. International Stock Allocation

Taylor Larimore wrote: I settled on a 65% domestic/35% international stock allocation many years ago and I have found no reason to change. harikaried wrote: We settled on something pretty close. 66.6% domestic/33.3% international. Easy to check if domestic is roughly double international to make su...
by boglesmkcents
Sat Mar 29, 2014 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Domestic vs. International Stock Allocation
Replies: 37
Views: 2934

Re: Cloud storage advice?

Magellan Wrote: I use truecrypt volumes to store this type of info on my computer. That keeps the data safe if my computer is lost or stolen. I back up the encrypted volumes to cloud storage and don't worry too much about cloud security. I have separate truecrypt volumes for banking, personal finan...
by boglesmkcents
Sat Mar 29, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Cloud storage advice?
Replies: 22
Views: 1907

Re: 529 Reimbursement Question

Thanks livesoft -- good to know there is hope! Do the 1099-T and 1099-Qs in your case match up by any chance?

In my case, I think the old rule "hope for the best, plan for the worst" applies.
by boglesmkcents
Thu Dec 26, 2013 3:37 am
 
Forum: Personal Finance (Not Investing)
Topic: 529 Reimbursement Question
Replies: 14
Views: 1158

Re: 529 Reimbursement Question

Thanks everyone for your replies. Spirit Rider - reason why I did not have funds sent directly to my son's school is that I have not had time to figure out how to do that (unlike my daughter's school that makes it very clear where to have checks sent). Vectorizer -here is the link to the article I r...
by boglesmkcents
Thu Dec 26, 2013 3:21 am
 
Forum: Personal Finance (Not Investing)
Topic: 529 Reimbursement Question
Replies: 14
Views: 1158

529 Reimbursement Question

We paid for our son's room and board and tuition directly to his university this year, and we plan to get reimbursed from the Nevada Vanguard 529 account by we have for him (by December 31, of course....I am account owner, he is the beneficiary). In an article by Joe Hurley (savingforcollege.com), h...
by boglesmkcents
Tue Dec 24, 2013 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 Reimbursement Question
Replies: 14
Views: 1158

Re: Need Advice - How to Finance Remodel

Thank you , S$, TL & STK...I agree that the loan makes sense in general. However, part of what is coloring my thinking a little is the degree to which stocks have risen over the past 5 years. The money we have in the appreciated index funds largely came from cashing out stock options when I left...
by boglesmkcents
Sun Nov 24, 2013 11:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need Advice - How to Finance Remodel
Replies: 7
Views: 606

Re: Need Advice - How to Finance Remodel

Thanks, grt2boutdoors! -- LOL reading your reply...we have done this before, so our budget is $175 plus $25K living/moving for 6 months, plus $50K contingency for the inevitable overages! Your comments are spot on and we totally agree... Eager to get any feedback on suggestions regarding the tradeof...
by boglesmkcents
Sun Nov 24, 2013 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need Advice - How to Finance Remodel
Replies: 7
Views: 606

Need Advice - How to Finance Remodel

We are planning a fairly major (approx $250K) re-model of our home and would appreciate advice on the best approach to finance the project at a "macro level". Our basic situations is: married, ~50 years old, house paid off and kids' college costs funded by 529s, no debt, and 1 year emergen...
by boglesmkcents
Sun Nov 24, 2013 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need Advice - How to Finance Remodel
Replies: 7
Views: 606

Re: Would You Adjust These Retirement Fund Bond Holdings?

Thanks ogd...although interest rates are so low by historical standards, I see your point about not being able to predict the future -- I never would have guessed that interest rates would stay this low for this long. As a diehard buy-and-hold, dollar-cost averaging investor, if I'd tried to time th...
by boglesmkcents
Wed Jul 03, 2013 12:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Would You Adjust These Retirement Fund Bond Holdings?
Replies: 13
Views: 1808

Re: Would You Adjust These Retirement Fund Bond Holdings?

good food for thought, mnfinance....thanks....
by boglesmkcents
Tue Jul 02, 2013 1:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Would You Adjust These Retirement Fund Bond Holdings?
Replies: 13
Views: 1808

Re: Need Advice for Newbie Investor-18 Year Old Son

Thanks, livesoft...will probably also suggest he give Vanguard and FIdelity a look...good opportunity for him to learn by comparing a few brokerage alternatives.
by boglesmkcents
Tue Jul 02, 2013 12:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice for Newbie Investor-18 Year Old Son
Replies: 12
Views: 739

Re: Need Advice for Newbie Investor-18 Year Old Son

grabiner, good idea re: the IRA, not sure if he'll have summer income yet...we had just discussed this with him this evening, but we'll need to see how his summer shakes out. Hastibe, thanks...I have also been leaning towards TDAmeritrade...I like the 100 no commission ETFs as well, and TDA seems to...
by boglesmkcents
Mon Jul 01, 2013 1:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice for Newbie Investor-18 Year Old Son
Replies: 12
Views: 739

Re: Would You Adjust These Retirement Fund Bond Holdings?

Thanks Livesoft and DBR...I've been reading more today (I've had my head in the sand on investing last few months due to workload) and agree I missed the window before the recent downturn in bonds,so probably not productive to shorten duration as a short term move. I think I'll stand pat for now (as...
by boglesmkcents
Sun Jun 30, 2013 9:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would You Adjust These Retirement Fund Bond Holdings?
Replies: 13
Views: 1808

Re: Would You Adjust These Retirement Fund Bond Holdings?

Thanks, sti....I should have mentioned that the VG intermediate term bond fund and the VG inflation protected securities (both Vanguard funds, both intermediate term), are in rollover IRAs, and I would move the funds to something like a VG short-term index fund within the rollover IRA, so not a taxa...
by boglesmkcents
Sun Jun 30, 2013 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would You Adjust These Retirement Fund Bond Holdings?
Replies: 13
Views: 1808

Would You Adjust These Retirement Fund Bond Holdings?

We are both ~50 years old, ~10 years to retirement, and our asset allocation is roughly 75% stocks and 25% bonds. House is paid off and we are 80% of the way to the funds we need to retire comfortably. The bond portfolio is roughly 50% VG Total Bond Mkt, 30% VG Infl Protected Sec, 15% VG CA Int Bond...
by boglesmkcents
Sun Jun 30, 2013 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would You Adjust These Retirement Fund Bond Holdings?
Replies: 13
Views: 1808

Re: Need Advice for Newbie Investor-18 Year Old Son

Thanks livesoft... I had read some other threads where TDAmeritrade seemed to be popular. Seems like Scottrade and Fidelity also float to the top.

Anyone else with votes on good brokerage accts for our son? Simple flexible, low costs for MFs and ETFs, etc...?
by boglesmkcents
Sun Jun 30, 2013 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice for Newbie Investor-18 Year Old Son
Replies: 12
Views: 739

Re: Need Advice for Newbie Investor-18 Year Old Son

Thx Grt2BOutdoors...turns out he is doing a double major, one of which is Business/Econ...so that is part of my motivation (and his). I am a big fan of index fund investing (we have almost our entire portfolio in Vanguard low cost index funds) but I really want him to learn at least a little about h...
by boglesmkcents
Sun Jun 30, 2013 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice for Newbie Investor-18 Year Old Son
Replies: 12
Views: 739

Re: Need Advice for Newbie Investor-18 Year Old Son

Thanks, livesoft...I agree with you and PS, and likewise told my son to stay away from individual stocks. Best case would be some sort of brokerage with very low minimums and ability to buy MFs/ETFs with very low costs, minimums and transaction fees. I want him to get some experiences with different...
by boglesmkcents
Sun Jun 30, 2013 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice for Newbie Investor-18 Year Old Son
Replies: 12
Views: 739

Need Advice for Newbie Investor-18 Year Old Son

My son just turned 18, is motivated to learn about investing, and I want to help him get started. He has about $6K in a bank MM, so I'll encourage him to invest ~$4K....he has 4+ years of college ahead of him and should not need the assets in the short term. I'd like him to learn mutual funds vs ETF...
by boglesmkcents
Sun Jun 30, 2013 2:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice for Newbie Investor-18 Year Old Son
Replies: 12
Views: 739

Re: 1098-T/529/AOTC Question

I was going by the critical place in TurboTax where the program asks "Let us know if <student name> has earned 4 years worth of college level credit as of 1/1/2012" -- their explanation states "Undergraduate 5th and 6th year students should answer NO if they did not complete their deg...
by boglesmkcents
Mon Feb 04, 2013 12:17 am
 
Forum: Investing - Help with Personal Investments
Topic: 1098-T/529/AOTC Question
Replies: 26
Views: 1042

Re: 1098-T/529/AOTC Question

My reading was that you can take AOTC 4 times,and until a degree is earned. This is the sense I got from TurboTax, anyway.
by boglesmkcents
Sun Feb 03, 2013 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1098-T/529/AOTC Question
Replies: 26
Views: 1042

Re: 1098-T/529/AOTC Question

OP here -- thanks for all the clarifications. I think I am fairly clear on the AOTC now. However, after further consideration, I think I will take the Lifetime Credit this year. Reason is that my daughter will be a 5 year undergrad, and this year, my income was low enough to qualify for the LLC....i...
by boglesmkcents
Sun Feb 03, 2013 8:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1098-T/529/AOTC Question
Replies: 26
Views: 1042

1098-T/529/AOTC Question

Around December 28, I did a practice run on my 2012 taxes and realized that since I'd paid all of my kiddo's tuition (about $21K) using her 529, I may not be able to take the American Opportunity Tuition Credit. I had paid her room and board by check, but I do not think R&B qualifies. If it matt...
by boglesmkcents
Sun Feb 03, 2013 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1098-T/529/AOTC Question
Replies: 26
Views: 1042

Re: Move IRA-Fidelity to Vanguard(already in Vanguard Broker

Thanks stlutz and dj -- your added clarifications are very helpful!
by boglesmkcents
Mon Sep 03, 2012 12:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Move IRA-Fidelity to Vanguard(already in Vanguard Brokerage)
Replies: 9
Views: 721

Re: Move IRA-Fidelity to Vanguard(already in Vanguard Broker

damjam, after looking at my VBS account more closely, it is indeed set up to clear trades to a sweep account also part of the IRA. So it looks like I can safely execute the trade and then buy the new funds. Now my only question is whether the money will be "out of the market" for a number ...
by boglesmkcents
Sun Sep 02, 2012 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Move IRA-Fidelity to Vanguard(already in Vanguard Brokerage)
Replies: 9
Views: 721

Re: Move IRA-Fidelity to Vanguard(already in Vanguard Broker

Thanks Duckie and damjam -- thanks for the replies! And yes, just to clarify, the Fidelity IRA funds are held in the VBS account. As suggested, I do suspect the proceeds would flow into a sweep account, and remain within the IRA, and i could then buy Vanguard funds with the proceeds. So basically tw...
by boglesmkcents
Sun Sep 02, 2012 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Move IRA-Fidelity to Vanguard(already in Vanguard Brokerage)
Replies: 9
Views: 721

Move IRA-Fidelity to Vanguard(already in Vanguard Brokerage)

I plan to move a Fidelity IRA rollover account (3 equity funds) to a Vanguard fund (International Stock Index). The Fidelity IRA funds are already in a Vanguard brokerage account. When I went online to do the transfer this morning, it looked like the only option was to first sell the funds and conve...
by boglesmkcents
Sun Sep 02, 2012 2:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Move IRA-Fidelity to Vanguard(already in Vanguard Brokerage)
Replies: 9
Views: 721

Re: 401k and i401k Contributions in Same Year?

Thanks for all the clarifications! Looks like a few different views on specific limits, but I'm glad I can contribute to both within the bounds of overall 401k constraints.
by boglesmkcents
Wed Aug 22, 2012 2:32 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k and i401k Contributions in Same Year?
Replies: 9
Views: 630

Re: 401k and i401k Contributions in Same Year?

Great, thanks for clarifying this for me, NeuroSphere!
by boglesmkcents
Tue Aug 21, 2012 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k and i401k Contributions in Same Year?
Replies: 9
Views: 630

401k and i401k Contributions in Same Year?

I have been self-employed through August of this year, and was planning to contribute to my i401K as usual later this year. However, I have just accepted a job at a company that has a 401k. Does anyone know if I can contribute to both my i401k and to the new corporate 401k for tax year 2012, or do I...
by boglesmkcents
Tue Aug 21, 2012 1:12 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k and i401k Contributions in Same Year?
Replies: 9
Views: 630

Return to advanced search