Search found 1783 matches

by BolderBoy
Sun Feb 07, 2016 11:42 pm
Forum: Investing - Theory, News & General
Topic: Taxable account strategy for delaying Social Security
Replies: 15
Views: 1412

Re: Taxable account strategy for delaying Social Security

I used int term tax exempt in my taxable account. I didn't want to take the chance of retiring into a bear market with an all stock taxable portfolio, which could result in having to withdraw from Ira to live on instead of doing Roth conversions. Maybe it was not the perfect solution, but it helped...
by BolderBoy
Fri Feb 05, 2016 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k Contribution beyond earned income?
Replies: 7
Views: 444

Re: Roth 401k Contribution beyond earned income?

I could (but won't) salary defer $8500 to the r401k, $6500 to a tIRA and $2000 (maximum) to health insurance premiums (emphasis added) Not sure about the maximum part. Let's say that you earned just $6,500 net self-employment income. I think you could contribute $6,500 to a Traditional IRA *and sti...
by BolderBoy
Fri Feb 05, 2016 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k Contribution beyond earned income?
Replies: 7
Views: 444

Re: Roth 401k Contribution beyond earned income?

When 401 contributions are Roth, you can use the same earned income for an IRA contribution. When you contribute all your earned income to a Roth 401k (up to 18k plus catch up), the Box 1 amount on your W-2 is NOT reduced. So you can use that Box 1 amount to fund either a TIRA or Roth IRA contribut...
by BolderBoy
Fri Feb 05, 2016 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k Contribution beyond earned income?
Replies: 7
Views: 444

Roth 401k Contribution beyond earned income?

TurboTax is stupid, I guess (or more brilliant than I imagined). Against earned income of $8500 for 2015, I told it I was going to put $50,000 into my Roth 401k and it didn't complain. Hmmmm. Here's the question (with some background): I know that traditional 401k contributions are limited by other ...
by BolderBoy
Mon Jan 25, 2016 12:26 am
Forum: Personal Consumer Issues
Topic: Donating a retired computer with financial info on it
Replies: 27
Views: 2061

Re: Donating a retired computer with financial info on it

Your wiping program probably did the job just fine. I rather disagree with the "old computers are useless" comments. Typically I offer them on the local Freecycle network and so far folks have scooped them up, every one. Windows is an utter, bloated hog, but there are OSes that can still m...
by BolderBoy
Sun Jan 24, 2016 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest down payment fund?
Replies: 2
Views: 179

Re: How to invest down payment fund?

Common BH wisdom is that you do not risk money that is needed within 5 years, so FDIC insured products are best. If you simply cannot abide the low return environment of the safe products, then maybe consider a low risk bond fund, probably a tax-exempt bond fund since this is non-retirement money. S...
by BolderBoy
Sun Jan 24, 2016 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Is my new budget reasonable?
Replies: 4
Views: 420

Re: Is my new budget reasonable?

How old are you? Does your workplace offer a retirement plan (401k?)
by BolderBoy
Sat Jan 23, 2016 9:52 pm
Forum: Personal Consumer Issues
Topic: Questions about getting a dishwasher
Replies: 28
Views: 1350

Re: Questions about getting a dishwasher

Get a stainless-steel interior - they are self-drying (read the instructions.)

I have a Bosch (since 2003) and love it.
by BolderBoy
Thu Jan 21, 2016 12:33 pm
Forum: Personal Consumer Issues
Topic: Unexpected Costco cash card and letter in the mail
Replies: 8
Views: 1834

Re: Unexpected Costco cash card and letter in the mail

Hey, they offered you compensation and there is no known hideous outcome as a result of consumption. Several years back I got a letter from my grocery store telling me to NOT eat the canteloupe I'd bought there 3 weeks before (!). This was during the Rocky Ford Canteloupe, lysteria-death episode. To...
by BolderBoy
Thu Jan 21, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: Stunning Increase In Homeowner's Ins Premium
Replies: 22
Views: 3486

Re: Stunning Increase In Homeowner's Ins Premium

jimbowman wrote:2015 data isn't available yet but for 2014 Colorado was 4th highest in the country when it came to losses incurred as a percentage of premiums earned. That has generally been trending higher since 2008.

Thanks for the info.
by BolderBoy
Thu Jan 21, 2016 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Brick and Mortar Bank in Massachusetts?
Replies: 31
Views: 1380

Re: Brick and Mortar Bank in Massachusetts?

I have a nearby credit union as my B & M establishment.
by BolderBoy
Thu Jan 21, 2016 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Leave full time job for contracting
Replies: 16
Views: 1476

Re: Leave full time job for contracting

Dieharder wrote:I can contribute to SEP IRA I believe a rather large amount, higher than 401 K limit and save on taxes.

Pretty sure it is the reverse that is true. And for the solo 401k reason alone, I prefer 1099 over W2 (unless the employer is putting in an unmatched 25% to the company 401k plan.)
by BolderBoy
Thu Jan 21, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirement Next Week... Tips?
Replies: 30
Views: 4069

Re: Early Retirement Next Week... Tips?

I am 56 years old and have decided to retire next week. I can't handle the stress anymore. What are the major things I should know about retiring early? Do I need to do anything before calling it quits? How will you cover healthcare costs from now until Medicare age? What are your minimum, mandator...
by BolderBoy
Thu Jan 21, 2016 11:16 am
Forum: Investing - Theory, News & General
Topic: Time property cycles, so why not market cycles?
Replies: 31
Views: 2283

Re: Time property cycles, so why not market cycles?

...property investors definitely DO time the market. Yep. A real estate agent / speculator bought my neighbor's house for $970k in 2006, put $500k into renovating it and put it back on the market in September 2008 (glug). Two years later it sold for $980k. Sometimes when "market timing", ...
by BolderBoy
Thu Jan 21, 2016 10:41 am
Forum: Personal Consumer Issues
Topic: Stunning Increase In Homeowner's Ins Premium
Replies: 22
Views: 3486

Re: Stunning Increase In Homeowner's Ins Premium

Follow-up: I contacted a local insurance broker representing lots of companies and who has been able to watch the claims process from lots of them as well. Am switching from The Hartford to Chubb - slightly higher overall premium (home, auto, umbrella) for much better policies.

Thanks to all.
by BolderBoy
Thu Jan 21, 2016 10:33 am
Forum: Investing - Help with Personal Investments
Topic: 26yr old seeking portfolio advice
Replies: 4
Views: 539

Re: 26yr old seeking portfolio advice

As stated above, I need to contribute the max $5.5K 2015 tax-year IRA contribution very shortly, but haven’t a clue where I should invest the money. There were 97 Vanguard funds in the IRA plan. Keep it simple. You don't need all those myriad funds in your 401k plan - how can you possibly rebalance...
by BolderBoy
Thu Jan 21, 2016 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Boring investing - nothing to report until my first rebalance!
Replies: 7
Views: 371

Re: Boring investing - nothing to report until my first rebalance!

After setting up my 3 fund lazy portfolio several years ago I've felt quite bored. There's nothing to post about on these boards when you're simply shoveling money into Total US Stock, Total Bond, and Total International. And up until now I've manged to keep my AA in check simply by tweaking my con...
by BolderBoy
Thu Jan 21, 2016 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Starting to panic, advice for the market downturn.
Replies: 25
Views: 2572

Re: Starting to panic, advice for the market downturn.

I know the stock market fluctuates, and I expect it to. The problem is that I was planning on withdrawing most of my taxable account (~8k) for a new car downpayment. So you made a mistake. You invested into stocks, money you need in the near-term. If you pull it out now, you'll 1) limit your loss a...
by BolderBoy
Thu Jan 21, 2016 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Market down - lost alot of $ - nervous..
Replies: 60
Views: 6841

Re: Market down - lost alot of $ - nervous..

I have alot of money invested in a stock/bond mix on Vanguard (75%/25% mix) with most of my money in Vanguard Total Stock, some in Total Int'l Stock and some in Target Retirement 2045... and to top it off I bought more in December (before it started going down). The one that took the biggest hit is...
by BolderBoy
Thu Jan 21, 2016 10:05 am
Forum: Investing - Help with Personal Investments
Topic: How can I improve this portfolio? Please advise.
Replies: 37
Views: 4291

Re: How can I improve this portfolio? Please advise.

sk519 wrote:And Please tell me a little bit about Inflation Protected Securities bond funds.
What % of my bonds, should I consider having it in your view?

The forum wiki will be more informative than I can be. Folks are all over the map with the "proper %" to have. I think I have about 15-20%.
by BolderBoy
Thu Jan 21, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: Smoke detector battery install fail
Replies: 19
Views: 874

Re: Smoke detector battery install fail

Bfwolf wrote:What I find odd is that it was just making the single chirp until I took the old battery out. That's when it started making the triple chirp (3 chirps in extremely rapid succession) which I can't get to go away.

That is fascinating. With no source of power it triple chirps indefinitely?
by BolderBoy
Wed Jan 20, 2016 10:50 pm
Forum: Personal Consumer Issues
Topic: Retiring and people seem to avoid me
Replies: 66
Views: 7893

Re: Retiring and people seem to aviod me

Maybe it is just me but for the people that have retired did you notice this just before you retired. I'm not sure if I'm reading people wrong or not but they seem like they feel sorry for me or are jealous. I'm not sure jealous but it is something. I had a guy I have know for a long time and said ...
by BolderBoy
Mon Jan 18, 2016 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Reverse dollar cost averaging
Replies: 18
Views: 1737

Re: Reverse dollar cost averaging

If you pick a decision rule and stick with it consistently, it won't matter because the fluctuations will balance out over time. Money going into a mutual fund by dollar cost averaging is the most advantageous way to buy stock. Does it work the same way for money going out? Lump sum *investing* tru...
by BolderBoy
Mon Jan 18, 2016 11:51 am
Forum: Investing - Help with Personal Investments
Topic: investing $100,000
Replies: 8
Views: 1243

Re: investing $100,000

I don't want the bulk of these funds to be subject to a lot of risk because I might need to access these funds in the next year or two. Year or two, eh? And you said that $40k will support you for a year? Then you want to be safe with $80k, just to be sure. So you really only have $20k which you ca...
by BolderBoy
Mon Jan 18, 2016 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Failing "sleep well" test: Change AA or more Boglehead-therapy?
Replies: 63
Views: 5097

Re: Failing "sleep well" test: Change AA or more Boglehead-therapy?

You say this: Our investments (not including home) includes ~$3mil in fairly stable income-producing real estate (LLCs and owned rentals). then say this: after we successfully recovered from a catastrophic real estate loss in 2009. and this: The losses over the past week across the portfolio are abo...
by BolderBoy
Mon Jan 18, 2016 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Any reason not to TLH right now?
Replies: 9
Views: 578

Re: Any reason not to TLH right now?

Hi all - I have a bout $65k in my taxable account in TSM (VTSAX) that is currently down $5k. Even with spec ID, all lots are in the red. Any reason not to TLH right now? I'm still new to TLH and did it for the first time with my international allocation in December. It is something I had looked at ...
by BolderBoy
Mon Jan 18, 2016 11:10 am
Forum: Investing - Help with Personal Investments
Topic: How can I improve this portfolio? Please advise.
Replies: 37
Views: 4291

Re: How can I improve this portfolio? Please advise.

I agree with ruralavalon and in_reality in their posts above. In rereading this thread, I get a bit of flavor from you that you are pretty worried about the paper losses you see because of the last couple of weeks. Relax. (have a pickle - remember that ad from years ago?) You are going to have paper...
by BolderBoy
Fri Jan 15, 2016 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Short term Tax Loss Harvesting - Should I?
Replies: 2
Views: 238

Re: Short term Tax Loss Harvesting - Should I?

I don't understand if/when it's a good idea (for me) to harvest short term losses. I am retired, in the 0% Capital Gains Bracket, and take annual withdrawals from a combination of tax-deferred and taxable accounts. [I fill up my 0% marginal tax bracket with conversions to Roth and take gains in my ...
by BolderBoy
Wed Jan 13, 2016 12:41 am
Forum: Investing - Help with Personal Investments
Topic: New Taxable Account - Looking for Advice
Replies: 14
Views: 1502

Re: New Taxable Account - Looking for Advice

I'm also curious to see what posters advise for this question. (I'm twelve years younger than Grogs, and probably have fewer assets than him/her at this point, but I was able to max out my 401k on top of my Roth IRA for the first time in 2015, so I'm curious which index funds might be best for a ta...
by BolderBoy
Mon Jan 11, 2016 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Paying estimated taxes
Replies: 24
Views: 2307

Re: Paying estimated taxes

Even easier, just set up an account on EFTPS (Electronic Federal Tax Payment System): http://www.eftps.gov Then you can quickly make all your estimated payments online. I started using it last year and so far, so good! Agree with doing this. Don't tarry in setting up the account - it takes a week o...
by BolderBoy
Mon Jan 11, 2016 10:07 am
Forum: Investing - Help with Personal Investments
Topic: 2016 IRA Contribution
Replies: 4
Views: 358

Re: 2016 IRA Contribution

I contributed to my regular IRA in 2015 last July. I'm thinking now would be a good time to make my 2016 contribution both to my IRA and HSA accounts, but I'm wondering, since the IRS says I need to only fund these with earned income, if I in fact need to earn that income first. I currently have th...
by BolderBoy
Mon Jan 11, 2016 10:02 am
Forum: Investing - Help with Personal Investments
Topic: $1.3 Billion Jackpot - How would you invest it?
Replies: 76
Views: 4029

Re: $1.3 Billion Jackpot - How would you invest it?

Phineas J. Whoopee wrote:100% US onion futures.
PJW

+1. Frozen Concentrated Orange Juice Futures. (apologies to Eddie Murphy)
by BolderBoy
Sun Jan 10, 2016 11:27 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 646
Views: 14465

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

2555 (the entrails of an owl told me this)
by BolderBoy
Sun Jan 10, 2016 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Learning about Bonds
Replies: 5
Views: 364

Re: Learning about Bonds

Never owned a bond, but I'm ready to dabble in some high yield oil company bonds. The common wisdom is to take your risks on the stock side of your portfolio, not the bond side. When you are taking big risks (and oil company bonds sound like BIG risks presently!) throughout your entire portfolio, y...
by BolderBoy
Sun Jan 10, 2016 11:15 am
Forum: Investing - Help with Personal Investments
Topic: VBTLX, where's the upside? [Vanguard Total Bond Market Index]
Replies: 16
Views: 1479

Re: VBTLX, where's the upside?

mattshwink wrote:Bonds smooth out the volatility in a portfolio. So while stocks can have wild swings, bonds are much more tempered.

+1. This is the purpose of a bond fund in a portfolio. And heed Taylor's comment above!
by BolderBoy
Sun Jan 10, 2016 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA - Invest all in January or spread throughout the year?
Replies: 24
Views: 2355

Re: Roth IRA - Invest all in January or spread throughout the year?

I am wondering what the opinions are whether I should invest the full amount into the Roth accounts for both my wife and myself all in January, or to somewhat dollar cost average by splitting the contributions evenly over the course of 12 months? Over the LONG term, dumping it all in as soon in the...
by BolderBoy
Sun Jan 10, 2016 11:04 am
Forum: Investing - Help with Personal Investments
Topic: "Roth conversions are not eligible for cross platform transactions."
Replies: 17
Views: 1421

Re: "Roth conversions are not eligible for cross platform transactions."

supernova wrote:I converted my Roth IRA at Vanguard to the new platform.

What does this mean? What is the "new platform"?
by BolderBoy
Sun Jan 10, 2016 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Questions about Tax-Loss Harvestng
Replies: 8
Views: 503

Re: Questions about Tax-Loss Harvestng

Question 3: If I can lock in ~$16000 in losses now, do you think it is prudent to do so Monday or Tuesday, rather than wait til a later time where the market may rebound? I don't have much (any) experience with TLHing, so don't have a really great feel for when to pull the trigger. There is no righ...
by BolderBoy
Sun Jan 10, 2016 10:45 am
Forum: Investing - Help with Personal Investments
Topic: ALARX vs SP500 Index Fund
Replies: 8
Views: 384

Re: ALARX vs SP500 Index Fund

My co-worker says I should go with ALARX, an actively managed fund with ER of 1.16%. He says the extra expense is well worth it. Sure enough, it looks to have better long term performance over the index fund. I know that the index is supposed to be better, how can I square this with the real perfor...
by BolderBoy
Sun Jan 10, 2016 10:30 am
Forum: Investing - Help with Personal Investments
Topic: I just lost $200,000 last week. Please help me.
Replies: 82
Views: 13881

Re: I just lost $200,000 last week. Please help me.

My risk tolerance is almost at zero at this point after the short ride in the equity markets and after dealing with all the anxiety and stress, I'm thinking about just holding the money in cash too. It is very tough or may be impossible to avoid some risk. If you sit in cash-only, your risk is eros...
by BolderBoy
Fri Jan 08, 2016 6:45 pm
Forum: Investing - Theory, News & General
Topic: worst first four opening days in HISTORY for S&P 500
Replies: 125
Views: 12939

Re: worst first four opening days in HISTORY for S&P 500

Trader/Investor wrote:A 5% loss would be *catastrophic* for me.

Is this true? Should you be investing at all?
by BolderBoy
Fri Jan 08, 2016 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: So I have to wait approval to buy "a large amount" of vanguard mutual funds?
Replies: 16
Views: 1647

Re: So I have to wait approval to buy "a large amount" of vanguard mutual funds?

At the BH conference in 2014, I spoke with one of the bond managers and asked what sort of purchases he personally was involved in. "$20k?" "No, that would be executed by the traders who work under me." "$300k?" "Yes, a purchase that large would involve me personal...
by BolderBoy
Fri Jan 08, 2016 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Short/Medium-Term Investing (in Taxable/Non-retirement Accounts)
Replies: 6
Views: 639

Re: Advice for Short/Medium-Term Investing (in Taxable/Non-retirement Accounts)

*If the first post was too long/rambling to read and respond to..., please consider responding to the simpler question of: "Do you have any advice for short- [and medium-] term liquid investments [for amounts between $20k and $80k], particularly [but not limited to] outside of CDs/money market...
by BolderBoy
Fri Jan 08, 2016 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Which of these horrible funds should my girlfriend choose for her 401k?
Replies: 20
Views: 1352

Re: Which of these horrible funds should my girlfriend choose for her 401k?

Even the money market fund has a hideous ER. 1. Does her 401k plan allow for "in service rollovers"? If yes, then contribute only to the money market fund and take rollovers as soon and as often as allowed (into her own, personal, low-cost retirement plan or IRA). 2. If #1 doesn't apply, g...
by BolderBoy
Fri Jan 08, 2016 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Payoff Margin Loan?
Replies: 20
Views: 1601

Re: Payoff Margin Loan?

1. I took a $50K margin loan against my portfolio a year or so ago to invest in a business for my son. Yes, bad idea, business folded and I lost the money. I was able to write it off, but now am wondering if I should keep paying the interest or pay off Margin Loan of $47,000? The monthly interest c...
by BolderBoy
Tue Jan 05, 2016 12:34 pm
Forum: Personal Consumer Issues
Topic: Stunning Increase In Homeowner's Ins Premium
Replies: 22
Views: 3486

Re: Stunning Increase In Homeowner's Ins Premium

TdF fan wrote:It seems it doesn't pay to be a loyal customer anymore. I now see the necessity of shopping for insurance every two to three years.

As the wise ones on this list have said over and over... Sigh.
by BolderBoy
Tue Jan 05, 2016 12:32 pm
Forum: Personal Consumer Issues
Topic: Stunning Increase In Homeowner's Ins Premium
Replies: 22
Views: 3486

Re: Stunning Increase In Homeowner's Ins Premium

Colorado13 wrote:I just received my bill the other day and am facing a 13% increase for next year with State Farm. My home is in the Denver suburbs. Maybe the Hartford's introductory low rate has now expired?

Presumptively, that is what is going on.
by BolderBoy
Mon Jan 04, 2016 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Job Prospects for English Majors?
Replies: 73
Views: 4964

Re: Job Prospects for English Majors?

My daughter is working on an AA degree from a local CC. She will be attending the university and has decided to be an English major. All things equal, she would prefer studying English but the career options outside of teaching are worrisome. She is not interested in teaching. What careers are out ...
by BolderBoy
Sun Jan 03, 2016 9:19 pm
Forum: Personal Consumer Issues
Topic: Stunning Increase In Homeowner's Ins Premium
Replies: 22
Views: 3486

Re: Stunning Increase In Homeowner's Ins Premium

This is my final comment on that thread (April 2015) UPDATE: It is now approaching 4 weeks since I started this conversation. Maybe you would be interested in this saga. As I mentioned in the beginning, my Selective homeowner's insurance rates were increasing dramatically annually from15 to 24% a y...
by BolderBoy
Sun Jan 03, 2016 5:11 pm
Forum: Personal Consumer Issues
Topic: Stunning Increase In Homeowner's Ins Premium
Replies: 22
Views: 3486

Stunning Increase In Homeowner's Ins Premium

I'm with the Hartford presently (switched to them 2 years ago from State Farm). Last year's Hartford insurance premium was $1043. This year they are quoting me $1650 (58% increase). Nothing has changed in my coverage, no claims, nothing. I called and the nice agent said that she could see no reason ...

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