Search found 2692 matches

by BolderBoy
Thu Feb 16, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Visiting Downtown Denver in late March without car.
Replies: 19
Views: 1051

Re: Visiting Downtown Denver in late March without car.

My suggestion for exploring the mountains: take the train. Amtrak California Zephyr from Denver to Glenwood Springs is one of the most scenic rail routes in the world. Across the Continental Divide, along the headwaters of the Colorado River, through Glenwood Canyon. You will see deer and elk and e...
by BolderBoy
Sun Feb 12, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: suggested auto liability levels?
Replies: 13
Views: 1077

Re: suggested auto liability levels?

I agree that 100/300 liability for Bodily Injury would be prudent for your son. I would suggest a minimum of 100,000 for property damage as there are plenty of 50,000 plus vehicles on the road. Also stoplights and buildings are not getting any cheaper. Agree. At least $100k property damage insurance.
by BolderBoy
Fri Feb 10, 2017 6:48 pm
Forum: Personal Consumer Issues
Topic: Dumpsters
Replies: 15
Views: 1464

Dumpsters

Enligten me, O Wisened Ones... Anyone rented a dumpster to clean out a deceased person's house (very large house with decades of accumulation)? What should I watch out for in the rental agreement? How are such dumpsters rented (by the day, week, month?), are there delivery and pickup charges, weight...
by BolderBoy
Thu Feb 09, 2017 2:45 pm
Forum: Investing - Theory, News & General
Topic: Backdoor Roth Issue with Vanguard
Replies: 11
Views: 1096

Re: Backdoor Roth Issue with Vanguard

It seems like the only option here is to open up 2 new i401Ks with other banks, have the aforementioned money transferred into those i401Ks and then roll those funds back into the Vanguard i401Ks (which is allowed). This seems a bit ludicrous, but just wanted to see if this was correct, has been se...
by BolderBoy
Thu Feb 09, 2017 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 129
Views: 16516

Re: Exec email at Vanguard?

Does anyone know of an email address for the CEO or exec office at Vanguard? I do not see any method of communicating my displeasure to the execs. I think this is not an issue of bad people at the lower levels, but rather bad management decisions at the top level. I want to let them know how badly ...
by BolderBoy
Thu Feb 09, 2017 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: How to handle overcontributing to Solo 401K?
Replies: 17
Views: 813

Re: How to handle overcontributing to Solo 401K?

So, since the contribution can only be made while still in 2016 The profit sharing (employER contribution) can be made beyond the tax year in which it applies. Very common for companies to wait until January of the following year to make the final contribution so that all the dust has settled and t...
by BolderBoy
Tue Feb 07, 2017 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 129
Views: 16516

Re: Wow, Vanguard Flagship service is bad. Really bad.

I wrote a short note saying I was worried about the lack of response and service on these 2 issues, and he basically replied that due to tax season, he is very busy. My buddy wrote a polite but scathing letter to the VG CEO outlining his complaints (he is NOT a flagship client). I predicted that he...
by BolderBoy
Tue Feb 07, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Are junk bonds really as risky as a total market index fund?
Replies: 17
Views: 1565

Re: Are junk bonds really as risky as a total market index fund?

mptfan wrote:The riskiest of high yield bond funds is safer than the safest of stock funds.

Wow. That is a bold statement. I wonder how true it is?
by BolderBoy
Mon Feb 06, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: bond question once more
Replies: 9
Views: 538

Re: bond question once more

Boglehead wisdom is to be more of a purist and not mix up bond funds too much (so don't use high yield (junk) bonds unless you have a specific and sophisticated reason to do so.) This is not true, there is no such "Boglehead wisdom." There is no consensus among Bogleheads regarding whethe...
by BolderBoy
Mon Feb 06, 2017 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Need serious Advice for Investment Portfolio sitting in Cash
Replies: 5
Views: 970

Re: Need serious Advice for Investment Portfolio sitting in Cash

Lazy Portfolio (3 fund) : about 100K (60% stocks , 40% bonds) at Vanguard in Taxable account Why don't you continue to mature this investing approach in taxable as well as extending it to retirement accounts if you choose to participate in retirement plans? In taxable, use tax-exempt bond funds and...
by BolderBoy
Mon Feb 06, 2017 9:52 am
Forum: Investing - Help with Personal Investments
Topic: bond question once more
Replies: 9
Views: 538

Re: bond question once more

almost 33k in total bond, 10k in high yield corporate and 17k in intermediate -term investment grade in my 403b. In general, "high yield" funds behave more like stocks (volatile) because they are high risk. Boglehead wisdom is to be more of a purist and not mix up bond funds too much (so ...
by BolderBoy
Sun Feb 05, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Car totalled. Need advice on which insurance company to file a claim?
Replies: 30
Views: 1712

Re: Car totalled. Need advice on which insurance company to file a claim?

Another thing to be aware your call to your own insurance company might have already been recorded as a claim against your policy. I've always wondered about how this works. When I had a professional liability policy it was explained to me that there is a difference between a "claim" and ...
by BolderBoy
Sun Feb 05, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Keep a Local Bank?
Replies: 76
Views: 4429

Re: Keep a Local Bank?

I have a local credit union account in addition to my USAA account. No question in my mind that having a brick-and-mortar facility nearby helps with some "issues" that periodically come up. For example, depositing checks (such as those VG sends you went you diddle with bond funds) is just ...
by BolderBoy
Sun Feb 05, 2017 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 106
Views: 8976

Re: Quicken's future direction - a cause for concern

I'm shocked how many people still poor money into Quicken. There are free alternatives. I wouldn't spend $1 on Quicken. Tell us about the alternatives, please... Personal Capital(My personal favorite), Mint, GNUCash. For more info on Personal Capital: https://investorjunkie.com/39153/switched-quick...
by BolderBoy
Sun Feb 05, 2017 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Full time physician as S-Corp PLUS physician moonlighting
Replies: 32
Views: 2090

Re: Full time physician as S-Corp PLUS physician moonlighting

I'd route the income through the S-Corp. Insofar as salary vs K-1 distribution, I'd take enough salary (from whatever sources) to be sure to max out retirement plan contributions to 401k plan(s) available. Then I'd use the district court findings from a 2000s irs tax case in Iowa (taxpayer is a CPA)...
by BolderBoy
Sun Feb 05, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 106
Views: 8976

Re: Quicken's future direction - a cause for concern

gator1 wrote:I'm shocked how many people still poor money into Quicken. There are free alternatives. I wouldn't spend $1 on Quicken.

Tell us about the alternatives, please...
by BolderBoy
Sat Feb 04, 2017 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: What fund would you add in this record-high market?
Replies: 17
Views: 2471

Re: What fund would you add in this record-high market?

AlohaJoe wrote:The NASDAQ is still -21.1% below its 2000 peak, so why not that if you're worried about record highs?

I need some education, please.

NASDAQ peak 3/10/2000 = 5048.62

NASDAQ close 2/3/2017 = 5666.77

What am I missing in your statement?
by BolderBoy
Thu Jan 26, 2017 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Checking In After Five Years
Replies: 12
Views: 2682

Re: Checking In After Five Years

Congratulations. You are making us proud!
by BolderBoy
Thu Jan 26, 2017 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: All in VANGUARD is that ok??
Replies: 51
Views: 5326

Re: All in VANGUARD is that ok??

barb63 wrote:does anyone else have all their money with vanguard and if so do you just have vanguard funds or a mix..

Yes and just VG funds.

No worries.
by BolderBoy
Thu Jan 26, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Sector Funds vs Total Market?
Replies: 11
Views: 770

Re: Thoughts on Sector Funds vs Total Market?

I know the Sector funds have higher ER (.77%) but have been doing very well. Thoughts? I believe this is called "recency bias". You are trying to chase returns. Usually doesn't pan out over the long term. You already have an aggressive asset allocation and now want to stretch for even mor...
by BolderBoy
Tue Jan 24, 2017 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: How is my asset allocation?
Replies: 5
Views: 535

Re: How is my asset allocation?

Questions: 1) Does my allocation make sense? Sure. When you get into your 40s you might consider backing down to 70/30 and to 60/40 to cruise into retirement. Whatever input any of you could provide would be greatly appreciated. Looks like you've outlined a good plan. Any chance you can bump up you...
by BolderBoy
Tue Jan 24, 2017 11:09 pm
Forum: Personal Consumer Issues
Topic: Editing shortcut emacs-like keys. Do u use them?
Replies: 34
Views: 2229

Re: Editing shortcut emacs-like keys. Do u use them?

I'll wade in.

I use ee. Guess what OS that is for.
by BolderBoy
Tue Jan 24, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: VCR Head Cleaning
Replies: 22
Views: 2175

Re: VCR Head Cleaning

Toons wrote:On a sidenote I remember paying 500 bucks for my first one when they first came out :shock:

A bargain! I bought my first one (weighed 50 pounds!) in 1979 for $1300+.
by BolderBoy
Tue Jan 24, 2017 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Should I always invest everything I can at once?
Replies: 3
Views: 547

Re: Should I always invest everything I can at once?

retiredjg wrote:If you have an emergency fund set aside, I don't see any reason to keep $40k sitting on the sidelines.

+1.

"The best time to invest is when you have the cash available."
by BolderBoy
Tue Jan 24, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Protect me from myself - fiddling neophyte requests general advice
Replies: 8
Views: 790

Re: Protect me from myself - fiddling neophyte requests general advice

Welcome to the forum. I think you are doing fine and wouldn't fiddle with anything at this point. (the enemy of a good plan is a ...)

Rebuild your emergency fund.
by BolderBoy
Tue Jan 24, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: NC 401(k) Plan - Brunswick County. Enrolled in Goalmaker investment portfolio (aggressive)
Replies: 37
Views: 1541

Re: NC 401(k) Plan - Brunswick County. Enrolled in Goalmaker investment portfolio (aggressive)

Okay, I found them. The ER is under the fund name. Thank you all! 1) North Carolina Fixed Income Index Fund NCFII 1254, 1958 ER 0.05% 2) North Carolina Large Cap Index Fund NCLCI 1959 ER 0.03% 3) North Carolina Small/Mid Cap Index Fund NCSCI 0042, 1960 ER 0.04% 4) North Carolina International Index...
by BolderBoy
Tue Jan 24, 2017 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Getting started on investing - hoping for advice!
Replies: 7
Views: 581

Re: Getting started on investing - hoping for advice!

Investments: About $10000 in Roth IRA (Edward Jones). This is an easy one to fix. Open a Roth IRA with Vanguard and fill out the on-line paperwork to transfer the EJ holdings over to VG, in kind if you must (personally, I'd liquidate the EJ holdings and move the cash to VG to invest there.) VG will...
by BolderBoy
Tue Jan 24, 2017 12:33 am
Forum: Investing - Help with Personal Investments
Topic: Automatic Reinvestment: To "check" or not to "check" (the box) . . that is the question?
Replies: 30
Views: 2689

Re: Automatic Reinvestment: To "check" or not to "check" (the box) . . that is the question?

NancyABQ wrote:My current approach is to automatically reinvest in tax deferred accounts, but not in taxable accounts.

This, for the many reasons others have given (minimize tax lots, in retirement now and am spending the earnings, etc).
by BolderBoy
Tue Jan 24, 2017 12:05 am
Forum: Investing - Theory, News & General
Topic: Bogle: Smart Beta does not deliver Better Returns
Replies: 35
Views: 3387

Re: Bogle: Smart Beta does not deliver Better Returns

Jack Bogle in a recent interview talking about smart beta investing -- over the long run it will not deliver: http://www.morningstar.co.uk/uk/news/149466/bogle-smart-beta-does-not-deliver-better-returns.aspx At last September's BH Conference, Gus Sauter gave a very nice presentation about "Sma...
by BolderBoy
Sun Jan 22, 2017 11:35 pm
Forum: Investing - Help with Personal Investments
Topic: Investing advice for recently widowed 62 yr old Man
Replies: 7
Views: 949

Re: Investing advice for recently widowed 62 yr old Man

Emergency Fund: Too much ($215k cash from sale of home) Debt: Primary residence $260k 15yr 2.5% Estimated Value $340k He has pensions that will equal approx $35k per year at age 65. Planning to file for SS at 66. First question: What to do with the cash? My thinking is that he should use the cash t...
by BolderBoy
Sun Jan 22, 2017 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Putting managed portfolio under my control
Replies: 7
Views: 869

Re: Putting managed portfolio under my control

Bobo wrote:I just have to work on the middle ground because Trump make me scared of typically safe stocks.

Don't make the mistake of thinking that "this time is different." Learn the BH principles and stick by them - they won't let you down.
by BolderBoy
Sun Jan 22, 2017 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: 2017 Portfolio review - Advice welcome
Replies: 22
Views: 1367

Re: 2017 Portfolio review - Advice welcome

5) My employment status is quite volatile and my job could end at any point. I am of the opinion that I could retire at any time, therefore I'm not concerned about what happens with my job. Let me know if you disagree. I would tend to agree but for my piece of mind :), could you run your numbers th...
by BolderBoy
Sun Jan 22, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Across Two Accounts - Frequent Trading Policy?
Replies: 4
Views: 302

Re: Across Two Accounts - Frequent Trading Policy?

retiredjg wrote:
BolderBoy wrote:IOW, does the frequent trading policy apply to the whole portfolio or just individual accounts within the portfolio?

Just that one account.

Thank you!
by BolderBoy
Sun Jan 22, 2017 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Across Two Accounts - Frequent Trading Policy?
Replies: 4
Views: 302

Across Two Accounts - Frequent Trading Policy?

Take two retirement accounts at VG. An rIRA and a tIRA owned by the same person. Both accounts presently have Total Stock Market Index and Total Bond Market Index funds. If I want to exchange all the Total Bond Market Index in the rIRA and buy Total Stock Market Index (making the rIRA 100% TSMI), I ...
by BolderBoy
Sun Jan 22, 2017 12:02 pm
Forum: Investing - Theory, News & General
Topic: Holding Bonds as Opportunity to Buy Stocks
Replies: 17
Views: 2422

Re: Holding Bonds as Opportunity to Buy Stocks

It seems like it makes sense to buy into US Treasury bond funds (intermediate or long) somewhere in their dips (which have been pretty prominent and obvious) and hold them until there is a stock market correction or crash, then start dollar cost averaging some of those funds into a stock index fund...
by BolderBoy
Sun Jan 22, 2017 11:53 am
Forum: Investing - Theory, News & General
Topic: Unidirectional rebalancing?
Replies: 18
Views: 1776

Re: Unidirectional rebalancing?

I rebalance both directions. However, in 2008, with the economic system threatening to collapse, I stopped rebalancing. Lehman Bros. failed, AIG was being propped up, GM was about to die. I had enough fortitude to not sell any stocks. However, it seemed to be much too risky to buy more. I wasn't a ...
by BolderBoy
Sat Jan 21, 2017 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Should we pay off our student loan?
Replies: 44
Views: 3559

Re: Should we pay off our student loan?

Stayhomemom wrote:We inherited $48k...

Or should we put $10k-$12k of that money toward the 401k to max it out, over the next 4-5 years.

I'd for sure max out the 401k contribution for this year. And ponder the other advice given beyond that.
by BolderBoy
Sat Jan 21, 2017 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: evacuate HSA?
Replies: 10
Views: 1199

Re: evacuate HSA?

letsgobobby wrote:we have been averaging two hundred receipts per year. over thirty years that is 6000.

Can receipts garnered before the HSA law was enacted be used for reimbursement from an HSA?
by BolderBoy
Sat Jan 21, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Portafolio Allocation - Wealth Preservation - Moving away from wealth managers
Replies: 17
Views: 1200

Re: Portafolio Allocation - Wealth Preservation - Moving away from wealth managers

Here's a breakdown of what I was thinking: US: 30% Vanguard Total Bond Market Index Fund 30% Vanguard Total Stock Market Index Fund 10% Vanguard REIT Index Fund 10% Vanguard 500 (ETF) -> Large CAP mix 7.5% Vanguard S&P MidCap 400 ETF -> Mid Cap Mix 7.5% Vanguard Small Cap ETF Int: 5%Vanguard To...
by BolderBoy
Sat Jan 21, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Rolling Over A 401K
Replies: 6
Views: 403

Re: Rolling Over A 401K

If you may want to contribute to a Backdoor Roth, then rolling over the 401k to an IRA might not be the best option. As the poster above suggested, tell us about your new employer's 401k. Rolling your old 401k into the new 401k may be the best option.
by BolderBoy
Fri Jan 20, 2017 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: A New Year - A New Me
Replies: 13
Views: 2018

Re: A New Year - A New Me

Tax Rate: xx% Federal (Not Sure), No State Income Tax. Welcome to the forum. The xx% number is a number that you'll want to know now and forever going forward. You'll use it in your tax planning every year. To find it, look on your form 1040 for 2015, line 43. With that number in mind, google for I...
by BolderBoy
Thu Jan 19, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Revoking Power of Attorney (Nevada)
Replies: 1
Views: 244

Re: Revoking Power of Attorney (Nevada)

1. Download revoke POWs forms for the state of residence and have both of them revoke and deliver this document to each other. Requires 2 witnesses and a notary 2. Download new durable POW forms for the state of residence and put me in as the principal agent. Requires 2 witnesses and a notary. Is i...
by BolderBoy
Thu Jan 19, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Pay down 1.9% loan or invest
Replies: 61
Views: 4541

Re: Pay down 1.9% loan or invest

mattyfu1 wrote:Reverse the situation....

Would you borrow cash @ 1.9% to invest and hopefully earn more than that? Personally I would not, as it sets a dangerous precedent of getting into further debt.

This. Sound advice.
by BolderBoy
Thu Jan 19, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Portfolio and SRE Stock
Replies: 14
Views: 483

Re: Help with Portfolio and SRE Stock

Purpose311 wrote:I have heard that the Vanguard bond fund is not that great.

From whom did you hear it and what were you told?
by BolderBoy
Mon Jan 16, 2017 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: What's a bearish investor to do?
Replies: 33
Views: 4241

Re: What's a bearish investor to do?

I see huge risks that I believe the market is dramatically mispricing. Can you explain how you "see" these risks? I'd rather focus on how to construct a portfolio that limits exposure to equity downside risk (and possibly overexposure to the US dollar). I think the following shows a way t...
by BolderBoy
Sun Jan 15, 2017 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: How am I doin?
Replies: 31
Views: 2789

Re: How am I doin?

Looks like you are doing great. What is the composite asset allocation of your portfolio?
by BolderBoy
Thu Jan 12, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k re-arrangement
Replies: 3
Views: 274

Re: Help with 401k re-arrangement

My current 401k through Fidelity : 100% is in LPVIX Black Rock 2055 Lifepath: $55,000. Expense ratio 0.1%. Interesting that you show the ER as 0.1%. Morningstar.com shows it as 1.28%. The fund looks to be 85% stocks (domestic and foreign) and 15% cash. It has a 49% turnover which means it does a lo...
by BolderBoy
Thu Jan 12, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: downhill skiing
Replies: 32
Views: 2326

Re: downhill skiing

I think ex-President Gerald Ford had his second total knee replacement in his mid-80s. He asked his surgeon, "When can I get back to skiing?" Reply: "You've skied enough." Don't think he skied after that.
by BolderBoy
Thu Jan 12, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: t-IRA to Roth conversions..the rest of the story
Replies: 24
Views: 1859

Re: t-IRA to Roth conversions..the rest of the story

The biggest issue for most retirees is that a FAILURE to convert significant chunks of your tIRA will cause RMDs that push you into higher tax brackets later. This. For the OP, I did run the scenario you propose, but didn't document it very well and now looking back at it can't tell how I came up w...
by BolderBoy
Thu Jan 12, 2017 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to retire at 55 (4 years) - Questions on current direction
Replies: 10
Views: 1679

Re: Looking to retire at 55 (4 years) - Questions on current direction

Desired Asset Allocation: 70% stocks, 30% bonds Looks like you are doing pretty well to me. But as close as you are to planned retirement, you might want to lighten up your AA a bit, say to 60/40 or even 50/50. A 2008-style downturn as you enter retirement is going to hurt quite a bit at 70/30. ......

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