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

I put TurboTax behind me years ago: Received this via email confirmation a few months ago. "TaxACT Online 2014 Deluxe, your Federal return is $9.99 and the State return fee is $6.00." :happy TaxAct has a good price... I could get the deluxe version CD for $29 and myself + 4 family members...
by zaboomafoozarg
Sun Nov 23, 2014 5:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 82
Views: 8082

Re: Vacation in France

lifebeckonss wrote:Why do I still have this nagging feeling that this is too expensive and not very bogleheadish :(


I have the same feeling too :( I keep telling myself that I'll let myself go to Hawaii or Europe once I reach the next $100k marker. But that limit somehow keeps increasing...
by zaboomafoozarg
Sun Nov 23, 2014 1:19 am
 
Forum: Personal Consumer Issues
Topic: Vacation in France
Replies: 86
Views: 4361

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

I always buy TurboTax Home & Business for $70 or $80 off of Amazon, without any Vanguard Flagship discount, and that price doesn't seem unreasonable to me. It's certainly cheaper than the $300 I was paying to an accountant. Plus, I share my copy with siblings/parents and usually get a little mon...
by zaboomafoozarg
Sat Nov 22, 2014 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 82
Views: 8082

Re: Side jobs or hobbies that make you money

I most appreciate the ideas where the amount earned/amount saved is very favorable compared to the expenditure of time. i think Rodney Dangerfield referred to this concept as "Easy Money". Youtube can be pretty good for that, which is why I'm exploring it further. A video took me about 5-...
by zaboomafoozarg
Thu Nov 20, 2014 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 125
Views: 16910

Re: Side jobs or hobbies that make you money

I started uploading videos to Youtube and monetizing them earlier this year. A couple took off and I get 30,000 views per month total, which translates to about $100 per month in ad revenue. So I've been working on creating new videos to increase that amount. It's nice because once the videos are up...
by zaboomafoozarg
Thu Nov 20, 2014 11:37 am
 
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 125
Views: 16910

Re: Jack Bogle: expect 7% annualized for the foreseeable fut

I really hope we get 7% nominal! I've been saving with an expectation of 0% real return for the next 20 years. If some real return actually does happen, it'll mean I can reach FI sooner than expected.
by zaboomafoozarg
Tue Nov 18, 2014 10:06 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: expect 7% annualized for the foreseeable future
Replies: 42
Views: 6013

Re: what about adding $ to poorly performing asset classes?

I've never seen evidence that rebalancing on a daily or monthly basis holds any advantage over rebalancing at longer time intervals. I have seen SOME evidence to suggest it might be better to rebalance at, say, 1 or 2 or 3 year intervals because of the momentum factor. I've seen it both ways. Somet...
by zaboomafoozarg
Sun Nov 16, 2014 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: what about adding $ to poorly performing asset classes?
Replies: 23
Views: 2469

Re: what about adding $ to poorly performing asset classes?

livesoft wrote:Isn't this called rebalancing on the fly? I thought everybody did this already.


Bah, that's too much work, I just do it in January.
by zaboomafoozarg
Sun Nov 16, 2014 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: what about adding $ to poorly performing asset classes?
Replies: 23
Views: 2469

Re: Should I have even $1 in Bonds?

Consider that a 10% drop in stocks just caused you to delay retirement. What if they drop more next year - say 30% - and you are all in stocks?
by zaboomafoozarg
Fri Nov 14, 2014 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I have even $1 in Bonds?
Replies: 34
Views: 3949

Re: If your networth is over $3 million, how did you do it?

At my current savings amount and net worth, with a nominal return of 6%, I expect to hit $3M nominal in about 25 years (somewhere between 55 and 60 years old). It takes a lot of sacrifice to save that amount though, at least right now. Sometimes I wonder if it's worth it. I'm considering cutting bac...
by zaboomafoozarg
Thu Nov 13, 2014 11:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 244
Views: 22137

Re: Exxon Mobil - DRIP

livesoft wrote:Image


Hadooouken!
by zaboomafoozarg
Sun Nov 09, 2014 8:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Exxon Mobil - DRIP
Replies: 4
Views: 668

Re: Poll: What is your Bond Allocation %?

Munir wrote:
Kalo wrote:Also am in Total S/T Bond Index instead of Intermediate.

Kalo


What is "Total S/T Bond Index?"


S/T = short term

https://personal.vanguard.com/us/funds/ ... IntExt=INT
by zaboomafoozarg
Sat Nov 08, 2014 9:10 am
 
Forum: Investing - Theory, News & General
Topic: Poll: What is your Bond Allocation %?
Replies: 93
Views: 12106

Re: 22, I want to be rich, looking for a high reward fund

It definitely does not make any sense and is not rational. The utility of money does not fall off until a much higher number than a lousy $50k. Another way of looking at it is this. Why would you want more money to spend in your 80s than in your 20s? Some people just don't want or need to spend thr...
by zaboomafoozarg
Sat Nov 08, 2014 1:08 am
 
Forum: Investing - Help with Personal Investments
Topic: 22, I want to be rich, looking for a high reward fund
Replies: 67
Views: 6142

Re: Sitting on the fence to retire...

HoosierJim wrote:Run some scenerios yourself at Firecalc


Or cfiresim.com - I find that one is easier to view and edit, because it puts everything on a single page.
by zaboomafoozarg
Thu Nov 06, 2014 9:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Sitting on the fence to retire...
Replies: 21
Views: 2000

Re: iBonds at zero % fixed

If someone has $10k free in a savings account that they could afford to not access for 1 year, I see no reason not to buy I-Bonds (or perhaps a CD).
by zaboomafoozarg
Wed Nov 05, 2014 9:38 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 8893

Re: iBonds at zero % fixed

This is not political but I believe a reason to buy or not buy ibonds at the current level.Here is my reality and my facts living in the Bay Area.I bought my house 5 years ago for 465K and you can buy it today for 675k.My health insurance has almost doubled from about 550 to 950.5 years ago you cou...
by zaboomafoozarg
Wed Nov 05, 2014 8:02 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 8893

Re: iBonds at zero % fixed

Sometimes I wonder if I'm the only one who has a need for my portfolio to grow. Investors really are faced with two poor choices- increase risk or settle for merely keeping up with inflation and save more. Same here. Sometimes I really wish that I had been born 20 years earlier. Then again, stagfla...
by zaboomafoozarg
Mon Nov 03, 2014 11:38 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 8893

Re: Making 8 "horrible" investments will beat the index, rig

EmergDoc wrote:Why not buy some GTAT?

http://whitecoatinvestor.com/putting-al ... ne-basket/


My post made it onto to WCI?! Scratch one off the bucket list! :D
by zaboomafoozarg
Mon Nov 03, 2014 6:53 pm
 
Forum: Investing - Theory, News & General
Topic: Making 8 "horrible" investments will beat the index, right?
Replies: 35
Views: 3781

Re: Investing in Art, Antiques, and Collectibles and wines

I invest in ancient bronze/silver/gold coins, but only because I enjoy owning tangible and affordable pieces of history that are 2000+ years old. I keep track of the price paid, but have no expectation of selling them or making a profit on them.
by zaboomafoozarg
Sun Nov 02, 2014 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Art, Antiques, and Collectibles and wines
Replies: 53
Views: 3767

Re: VGPMX: anyone contrarian enough to buy it?

market timer wrote:I bought miners the last two days of last week with about 10% of my portfolio:

...

This was investment without much thought or reason behind it.


Allocating 10% of a portfolio without much thought or reason? :confused

Well, I guess that's better than 100% :D
by zaboomafoozarg
Sun Nov 02, 2014 10:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: VGPMX: anyone contrarian enough to buy it?
Replies: 79
Views: 10072

Re: Oil and Gas investments

futureman wrote:Basically sounds like an illiquid investment


Oil is one of the most liquid investments you can buy!

(thank you, I'm here all night)
by zaboomafoozarg
Sun Nov 02, 2014 8:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Oil and Gas investments
Replies: 15
Views: 1281

Re: Career Advice for an Unhappy Young Doctor?

she says she still feels totally stressed out and unhappy and doesn't want to go to work every day. Welcome to the real world. Exactly. I've been mostly stressed out and unhappy with work since I started working, and 3 jobs later that hasn't changed. I realize now that the best course of action is ...
by zaboomafoozarg
Sun Nov 02, 2014 12:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 116
Views: 13260

Re: Shiller PE10 - by the numbers

So, time to rebalance your portfolio?
by zaboomafoozarg
Sat Nov 01, 2014 11:57 am
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 - by the numbers
Replies: 26
Views: 2740

Re: Should I buy more REITs?

You have an investment strategy which is a recipe for a 6 car train pile up at some point. Likely at the next stock market crash, but who knows? Well to be fair, he did put newb in the name :D I agree though. If OP thinks dips of 5%-10% are bad, what happens if REITs drop by 70% like they did a few...
by zaboomafoozarg
Thu Oct 30, 2014 7:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 45
Views: 5055

Re: Your Thoughts on my Portfolio

You have a < 1.5% withdrawal rate. You should be free and clear no matter what your AA is.
by zaboomafoozarg
Mon Oct 27, 2014 10:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Your Thoughts on my Portfolio
Replies: 16
Views: 1346

Re: Should I buy more REITs?

Ged wrote:
John3754 wrote:What does your IPS say?


Probably something like 'start another Boglehead thread to see what they say'.


The Wisdom and/or Madness Of Crowds AA strategy :D
by zaboomafoozarg
Mon Oct 27, 2014 10:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 45
Views: 5055

Re: Should I buy more REITs?

InvestorNewb wrote:Should I buy more VNQ shares even though they have done really well this year?


You should buy more of whatever in your target allocation did the worst.
by zaboomafoozarg
Mon Oct 27, 2014 10:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 45
Views: 5055

Re: When people put all their eggs in the wrong basket

Phineas J. Whoopee wrote:Oh, and, welcome to the forum, au4all. I'm sure you'll be a solid gold contributor. :wink:


I see what you did there :D
by zaboomafoozarg
Wed Oct 22, 2014 9:35 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 28785

Re: Big Changes for Retirement Savers

Thanks zaboomafoozarg. I had to ask. It's hard to believe since it is much higher than the $5500 amount and not dependent on yearly income. Then can you only transfer the money to the Roth when you leave the company? Yeah, but even the normal Roth IRA $5.5k income limit doesn't usually apply becaus...
by zaboomafoozarg
Sun Oct 19, 2014 10:34 pm
 
Forum: Investing - Theory, News & General
Topic: Big Changes for Retirement Savers
Replies: 14
Views: 3331

Re: Big Changes for Retirement Savers

Compared to just putting the money in a taxable account, would the advantage be that when you transfer the money out of the 401k, you can put it in a Roth, where from that point forward it would be in a tax free account? Correct. It's like having a limit of $30k+ on a Roth IRA instead of just $5.5k.
by zaboomafoozarg
Sun Oct 19, 2014 10:09 pm
 
Forum: Investing - Theory, News & General
Topic: Big Changes for Retirement Savers
Replies: 14
Views: 3331

Re: Big Changes for Retirement Savers

That's the subject of the latest posts in the "Mega Backdoor Roth IRA" thread: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=137366 I started doing after-tax Roth IRA rollovers with my 401k this year. My Roth IRA is a lot smaller than my taxable or tax-deferred accounts, so I pla...
by zaboomafoozarg
Sun Oct 19, 2014 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: Big Changes for Retirement Savers
Replies: 14
Views: 3331

Re: "I've had it" at work - how often

Mid 40's, engineering/project management. I feel the I can't take it no more 3-5 x/month. Its getting tougher each year. Sometimes I think the guy mowing the city's baseball field would be the best job ever. Haha, I thought that every day at my last job! Of course they probably thought the same thi...
by zaboomafoozarg
Sun Oct 19, 2014 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12634

Re: "I've had it" at work - how often

32, software developer. On my last job it was happening 3-4 times per week, and it was like that for a couple years. The team got cut in half but I was still expected to get the team to do the same amount of work. So I quit this summer and went to a new company, and so far I haven't had a single day...
by zaboomafoozarg
Sun Oct 19, 2014 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12634

Re: Long term return forecast

This is why I'm trying to save 50% of my income. It's not fun, but it is what it is.
by zaboomafoozarg
Fri Oct 17, 2014 11:51 pm
 
Forum: Investing - Theory, News & General
Topic: Long term return forecast [Research Affil. Expected returns]
Replies: 33
Views: 2497

Re: Wealthfront updates tax loss harvesting software

I swear stuff like this is just begging the IRS to better enforce the wash sale rules. These schemes are shady, knowing full well the shares being purchased immediately after are nearly identical to what was sold. I think it's fraud. If they are tracking different indexes, then it would seem they a...
by zaboomafoozarg
Fri Oct 17, 2014 6:33 am
 
Forum: Investing - Theory, News & General
Topic: Wealthfront updates tax loss harvesting software
Replies: 11
Views: 1026

Re: How can I stop feeling depressed about my finances?

here I am: 26, seemingly nothing to my name, working a (removed) job, holding seemingly worthless degrees, and just feeling... worthless. I sit at home all weekend afraid to waste gas and to spend money. It just seems like I really don't enjoy life anymore. This might not be caused solely by your i...
by zaboomafoozarg
Thu Oct 16, 2014 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 14532

Re: When people put all their eggs in the wrong basket

Notice how the thread was started on March 4/2014, with this message: Well, Mr. Market had already seen it. March 4/2014 was very much at the end of the run up. http://i61.tinypic.com/15q98xi.png Wow, I did not notice that. But I had the same thing happen to me on one of the few individual stocks I...
by zaboomafoozarg
Mon Oct 13, 2014 6:05 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 28785

Re: Why not 100% Stocks?

JohnnyFive wrote:I'm certainly not ignorant


Certainly not. Someone who has the ability to see any and all difficulties coming their way, both personally and professionally, has achieved a level of foresight that most cannot even comprehend :D
by zaboomafoozarg
Sun Oct 12, 2014 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 21387

Re: When people put all their eggs in the wrong basket

This is a case where people would've been a lot better off paying up high fees to advisors or having active management. No professional would have allowed a hundred percent allocation to a single name. Paying 1% AUM sure beats -100%. True. But you wonder if they would have put up with an advisor wh...
by zaboomafoozarg
Sat Oct 11, 2014 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 28785

Re: Why not 100% Stocks?

Good luck with that. Let me know how it works out for you. It'll probably work out OK. If I can keep saving 50% of my income for a few more years, that'll probably make up for this 25% allocation to bonds that I keep laying around. That's not to mention the 1-to-2 year emergency/house fund I keep i...
by zaboomafoozarg
Fri Oct 10, 2014 11:28 pm
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 21387

Re: It's a good day to be in Stocks - 10-08-2014.........

Sents wrote:Darn, I shouldn't have sold everything yesterday night because I thought there was an impending crash.

Just kidding. :beer


Hey, maybe you were just off by a day :D
by zaboomafoozarg
Thu Oct 09, 2014 11:11 am
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be in Stocks - 10-08-2014.........
Replies: 24
Views: 3340

Re: When people put all their eggs in the wrong basket

Interestingly, Bogleheads was just mentioned today in the thread: I like the boglehead approach... total market US, international and bonds. No more than 10% in individual stocks and no more than 5% in one individual stock. No get rich quick deals with that, but you will at least protect what you go...
by zaboomafoozarg
Thu Oct 09, 2014 10:40 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 28785

When people put all their eggs in the wrong basket

The quote "Put all your eggs in the one basket and --- WATCH THAT BASKET" often comes up in investing discussions that I read around the web, particularly in use by people who are convinced that a single stock will be their path to riches. On occasion I've tried to convince some of these p...
by zaboomafoozarg
Tue Oct 07, 2014 7:51 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 28785

Re: What SWR/expense multiple to use for early retirement pl

I am shooting for a 50/50 AA with 40 times my needed income, so 2.5%.
by zaboomafoozarg
Thu Oct 02, 2014 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: What SWR/expense multiple to use for early retirement plan?
Replies: 63
Views: 3276

Re: 'Play Money' - why 5%?

nisiprius wrote:Alternatively, we think 5% is an allowable loss because we have 20 digits total and we can survive the loss of a finger or toe fairly well.


Not a big toe! You'll lose your balance.
by zaboomafoozarg
Sun Sep 28, 2014 7:45 pm
 
Forum: Investing - Theory, News & General
Topic: 'Play Money' - why 5%?
Replies: 42
Views: 1666

Re: 'Play Money' - why 5%?

There doesn't have to be a reason for everything.
by zaboomafoozarg
Sun Sep 28, 2014 6:11 pm
 
Forum: Investing - Theory, News & General
Topic: 'Play Money' - why 5%?
Replies: 42
Views: 1666

Re: [S&P is down 1.3% !!!]

pennstater2005 wrote:I don't consider myself a sitting duck.


Yeah, neither do I. I just pick an asset allocation that I can live with, keep putting money in, and tune out the noise.

pennstater2005 wrote:And I'm not sure what "times like this" means.


That's what caused me to ask the question, haha.
by zaboomafoozarg
Thu Sep 25, 2014 7:48 pm
 
Forum: Investing - Theory, News & General
Topic: [S&P is down 1.3%, thus] We're all going to die!!!
Replies: 58
Views: 4840

Re: [S&P is down 1.3% !!!]

dgdevil wrote:For sure, but one does not need to be a sitting duck at times like this in the market.


What should one do to avoid being a sitting duck?
by zaboomafoozarg
Thu Sep 25, 2014 7:36 pm
 
Forum: Investing - Theory, News & General
Topic: [S&P is down 1.3%, thus] We're all going to die!!!
Replies: 58
Views: 4840

Re: The Mega Backdoor Roth IRA

Not a problem. You can just write a replacement check and roll it into your Roth IRA. Since the amount is small enough to be confused with a regular Roth IRA contribution, be sure the Roth custodian codes it as a rollover contribution. This will be very easy to report on your tax return. Without th...
by zaboomafoozarg
Thu Sep 25, 2014 12:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 175
Views: 27933

Re: Investing in Europe

VXUS will give you Europe, plus the rest of the non-US world too. VGK is just Europe. I don't split my international up into Europe/Pacific/Emerging, but I know some people do (Rick Ferri advocated it in one of his books). Just don't expect to make a quick buck off of it. Europe's been having proble...
by zaboomafoozarg
Thu Sep 25, 2014 7:28 am
 
Forum: Investing - Theory, News & General
Topic: Investing in Europe
Replies: 4
Views: 445
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