Search found 2721 matches

by BolderBoy
Sun Apr 23, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: A Little History [from old bank statements]
Replies: 15
Views: 1545

Re: A Little History

F150HD wrote:wow. 14% on a CD, thats a far cry from today.

Some here were little kids or not born then. Can you comment on what was going on economically during this time in the US that the CD rate was so high etc?

Inflation!!! My TRowePrice money market fund was paying 18%+ at the time.
by BolderBoy
Sun Apr 23, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: My Doctor says I am "unusual" (declining some blood tests)
Replies: 42
Views: 4344

Re: My Doctor says I am "unusual" (declining some blood tests)

dm200 wrote:Does anyone else do anything like this?

My dentist wants to do X-rays at every cleaning. I regularly decline. Once they said they'd quit treating me unless I agreed and I pointed out that you couldn't spit in this town without hitting a dental practice. So we do X-rays on my schedule, not theirs.
by BolderBoy
Sun Apr 23, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: Moving... and U-haul trucks are expensive!
Replies: 25
Views: 2167

Re: Moving... and U-haul trucks are expensive!

If your vehicle has a hitch you could rent a small trailer as an option. Yep. Uhaul is actually very reasonable with their trailer rentals. I've done it a couple of times and will do a 1000 mile move with a 6x12 in about 6 months. I've got a 2000 mile move coming up. Spent hours pricing various tru...
by BolderBoy
Sun Apr 23, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Issue With Real Estate Agent (Seller)
Replies: 36
Views: 2281

Re: Issue With Real Estate Agent (Seller)

If you don't need to sell ASAP, pull it off the market for 30 days, change agents and go through the remarketing process My sister and I are in the process of selling an estate home. We thoroughly interviewed 4 realtors to include reading every line of their offered contracts. Each contract include...
by BolderBoy
Sun Apr 23, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: Terminal Cancer Diagnosis for 5 year old: What would you do?
Replies: 30
Views: 4620

Re: Terminal Cancer Diagnosis for 5 year old: What would you do?

Some counseling and/or psychotherapy for the parents together, starting soon and continuing. The death of a child ultimately breaks up a lot of marriages.
by BolderBoy
Sat Apr 22, 2017 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Advice Responding to Layoff Notice while Working Towards Medical School
Replies: 18
Views: 1515

Re: Advice Responding to Layoff Notice while Working Towards Medical School

Since I am being laid off, I would be able to collect unemployment which would more than cover my living expenses, health insurance etc, for the next 30 weeks. Anyone have any advice with regards to how to weigh these two options? I'm not terribly familiar with how unemployment compensation works, ...
by BolderBoy
Sat Apr 22, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Looking for Investing Advice
Replies: 5
Views: 452

Re: Looking for Investing Advice

All of the after tax money in my Betterment “build wealth” and my vanguard account I am saving in case one day I would like to buy a house, start a part time small business, or some other unexpected event/adventure. Do you have a time frame in which you might want to "buy a house..." In t...
by BolderBoy
Sat Apr 22, 2017 9:52 am
Forum: Investing - Help with Personal Investments
Topic: [Should I invest in an IPO?]
Replies: 11
Views: 959

Re: [Should I invest in an IPO?]

Years ago I read that the stock value of most IPOs goes down the next day and either takes years to recover to the IPO price or never does. Sorry, I can't remember the source for that. I've had 4 financial advisors over the years (ditched the last one in January 2010). Each was in love with investin...
by BolderBoy
Sat Apr 22, 2017 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Initial purchase of funds
Replies: 2
Views: 287

Re: Initial purchase of funds

Recently putting together a small diversified portfolio of only Vanguard mutual funds (no ETFs), I have bought most asset classes I have targeted, at annual lows. However, the last two or three that I need seem very high, taking me to almost 100% invested. Since the initial purchase is usually $3,0...
by BolderBoy
Sat Apr 22, 2017 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Reached 50% of my "number" today
Replies: 16
Views: 3234

Re: Reached 50% of my "number" today

White Coat Investor wrote:Second half goes a lot faster than the first half!

I'll add my congratulations and I completely agree with WCI's sentiment above!
by BolderBoy
Sat Apr 15, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Same branded components for home theater?
Replies: 35
Views: 1872

Re: Same branded components for home theater?

I_Am_Not_A_Doctor wrote:I don't easily foresee paying more than $800 for the receiver, for example.

For $800 you should be able to get a fabulous AV receiver. My Yamaha was around $500 in 2009. My setup is completely mixed/matched and works (and sounds) just fine.
by BolderBoy
Sat Apr 15, 2017 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor ira, is it right for me?
Replies: 3
Views: 302

Re: Backdoor ira, is it right for me?

Stiletto wrote:Looking for opinions on Whether the backdoor Roth IRA is better than contributing to a taxable vanguard index fund? I've seen some conflicting numbers.

If you are a long term investor, I can't think of any scenario where the backdoor Roth IRA loses to a taxable account.

Anyone?
by BolderBoy
Mon Apr 10, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Confused [about investing books]
Replies: 16
Views: 1462

Re: Confused

Woody28 wrote:I read Tony Robbins book on investing. Stay away from mutual funds...

I've not read the book. Why does he say to stay away from mutual funds? All my investing is in [mostly] index mutual funds for years now. No regrets.
by BolderBoy
Fri Apr 07, 2017 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Where to stash quarterly tax money?
Replies: 16
Views: 1453

Re: Where to stash quarterly tax money?

I am an independent contractor and pay quarterly estimated taxes of approx $57K each quarter. I need a good place to stash the cash (I set aside about $19K each month) to use to pay the estimated taxes every quarter. I would be nearly the emptying the account each quarter and then adding back each ...
by BolderBoy
Thu Apr 06, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Got my second comma -- what is this anticlimactic feeling?
Replies: 55
Views: 6463

Re: Got my second comma -- what is this anticlimactic feeling?

TravelforFun wrote:
BolderBoy wrote:
TheMoneyRat wrote:So with our paychecks last Friday, we crossed over $1mm in cash and investments. Why does it feel so anticlimactic?

Because folks aren't really special until they cross the 3 comma mark nowadays.

3-comma is $1 billion. Is that what you meant?

Yes.
by BolderBoy
Thu Apr 06, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer on Death question
Replies: 22
Views: 2570

Re: Transfer on Death question

bsteiner wrote:TOD assets are still subject to the decedent's creditors...

My sister and I figured this was probably true, so we opened a joint checking account into which we've put "estate settling" money. Very smooth so far.
by BolderBoy
Wed Apr 05, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer on Death question
Replies: 22
Views: 2570

Re: Transfer on Death question

I am concerned that if the heirs all receive their shares through TOD this person will then be free to start a law suit against the estate and no longer be constrained by the will. Any thoughts about that? IANAL. If the probate estate is empty (everything was transferred by TOD or POD) then what co...
by BolderBoy
Wed Apr 05, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question
Replies: 8
Views: 639

Re: Tax question

Last year I had a friend help me to save my home from foreclosure & at tax time, where it asks how much you paid in property taxes, I filled in what my 1098 said in box 10 that shows the amount paid. Well this year, I'm still not working & have no income, my home is in foreclosure & I g...
by BolderBoy
Wed Apr 05, 2017 8:37 am
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 128
Views: 10089

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Mel Lindauer wrote: ...me and my team members who work nine months a year to put the event on...

It is like planning a big wedding every year. My hat is off to all of you!
by BolderBoy
Mon Apr 03, 2017 6:59 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 128
Views: 10089

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

dodecahedron wrote:I am a big fan of Jonathan Clements but will not be going this year. Having gone the past two years, I feel like it is time to give someone else a chance.

I'll miss seeing you this year. I'm bringing two newbies with me.
by BolderBoy
Mon Apr 03, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Got my second comma -- what is this anticlimactic feeling?
Replies: 55
Views: 6463

Re: Got my second comma -- what is this anticlimactic feeling?

TheMoneyRat wrote:So with our paychecks last Friday, we crossed over $1mm in cash and investments. Why does it feel so anticlimactic?

Because folks aren't really special until they cross the 3 comma mark nowadays.

But congratulations. e pluribus unum.
by BolderBoy
Mon Apr 03, 2017 4:16 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 128
Views: 10089

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

I think you should take into account the postmark date on the letter. Last time my check took about a week from Michigan to San Diego! I mailed my check yesterday ... hope it arrives .. I don't know what it is with the mail here. It takes about a week for a letter to go 3 miles to my CPA. Now that ...
by BolderBoy
Mon Apr 03, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: How do you estimate future income needs?
Replies: 17
Views: 1066

Re: How do you estimate future income needs?

SteadySaver wrote:Or just save as much as humanly possible and figure you'd rather over-save than under-save?

This.
by BolderBoy
Mon Mar 13, 2017 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Yubikey-only option?
Replies: 33
Views: 2685

Re: Vanguard Yubikey-only option?

enki wrote:I certainly can't think of any situation where an account is locked down for a "couple weeks".

Used to be with VG if you wanted to change your username, the online access to the account was locked for about 2 weeks. Not sure about current requirements.
by BolderBoy
Sat Mar 11, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs. Schwab vs. T. Rowe Price vs. Fidelity
Replies: 24
Views: 2394

Re: Vanguard vs. Schwab vs. T. Rowe Price vs. Fidelity

nisiprius wrote:ETFs are slightly less convenient and managing their actual purchase takes a little bit of easily-acquired know-how; ETFs are stick-shift, mutual funds are automatic transmission.

Elegant simplicity. This is why we love reading Nisi's posts. Thank you!
by BolderBoy
Sun Mar 05, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 10
Views: 745

Re: Portfolio Advice

Nyc1967 wrote:Company stock - 11%

Is there a way to get the company stock ownership down to 5%-ish or so?
by BolderBoy
Mon Feb 27, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Physician Disability Insurance
Replies: 43
Views: 2636

Re: Physician Disability Insurance

cookymonster wrote:and I'm counting on big inheritances from my parents at some point.

Careful with counting on this. The future is tough to see. Things can happen.
by BolderBoy
Mon Feb 27, 2017 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Question on Proper AA
Replies: 3
Views: 345

Re: Question on Proper AA

Based on this, I am wondering whether it makes sense for me to be at 75/25 now, with a gradual glidepath to 40/60, or just go to 40/60 now. I’m not worried about staying the course (so willingness is there), and I could just work a few years longer if need be (so ability is there), I just don’t kno...
by BolderBoy
Mon Feb 27, 2017 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Starting off with the three fund portfolio
Replies: 4
Views: 444

Re: Starting off with the three fund portfolio

Should I put in the whole order right away or should I do it over a few hours or days? I know that we don't want to try and time the market, but I'm not sure whether I should just place three large orders for what I want or be more tactical about it... The answer is about your personal psychologica...
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: 1176

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: 1206

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: 1559

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: 1175

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: 151
Views: 22167

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: 986

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: 151
Views: 22167

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: 1728

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: 614

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: 1028

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: 614

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: 2005

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: 4868

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: 297
Views: 26548

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: 2302

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: 297
Views: 26548

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: 2599

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: 2771

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: 5599

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: 870

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: 572

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...

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