Search found 1650 matches

by BrandonBogle
Fri Feb 24, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Another Use Bonus to Invest or Pay Off Debt Question
Replies: 14
Views: 818

Re: Another Use Bonus to Invest or Pay Off Debt Question

For others who may be glancing over a certain point, the Op has a newborn, 4 months of expenses in an emergency fund, and without the bonus, a $1k+ shortful in monthly expenses. I personally wouldn't feel comfortable with "spending" the above without shoring up the emergency fund and/or pu...
by BrandonBogle
Fri Feb 24, 2017 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 53
Views: 2996

Re: risk of my Tesla deposit

Yes your $1K is at risk of complete loss. It is a deposit for a car that does not exist with a company that is burning money and does not have a factory to build their vapor ware car. This stuff is just like the Web bubble of 2000. It will crash and burn. Plus the Tesla battery factory is another g...
by BrandonBogle
Fri Feb 24, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 53
Views: 2996

Re: risk of my Tesla deposit

Leaf definitely does not have real world 80 mile range in my climate. Make sure you are comparing the newer, larger battery rather than the smaller ones prior to 2017. Either way, the point was there are alternatives if you truly feel Tesla is going under. You may not like the alternatives, but the...
by BrandonBogle
Fri Feb 24, 2017 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 53
Views: 2996

Re: risk of my Tesla deposit

If you primary goal is a cost effective 80 mile commute, there are other EVs/hybrids that can bridge that, some of them even available today. You could get one of others to meet your goals. Which one are you thinking of? It has to be all electric to be cost effective over a Prius. 2017 Chevy Bolt (...
by BrandonBogle
Fri Feb 24, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 103
Views: 9982

Re: The Wall Street Journal to close Google loophole entirely

When I use the facebook trick mentioned here, I am getting this blurry page. When I click on the X at the top right, it does not take it. I am using IE 11. Is this about script settings in IE? I am at work so I do not have a choice in browser Does your work browser let you get to Facebook? If it is...
by BrandonBogle
Fri Feb 24, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: risk of my Tesla deposit
Replies: 53
Views: 2996

Re: risk of my Tesla deposit

The short reply is the $1000 preserves my option to buy. I don't have to exercise the option. The slightly longer reply is that the a fully electric vehicle at a reasonable price for my 80 mile commute would be cost effective even compare to a Prius. Our electricity is only around 8.5 cents per kWh...
by BrandonBogle
Fri Feb 24, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: Market Run Ups - Now vs. Then
Replies: 67
Views: 3501

Re: Market Run Ups - Now vs. Then

Many of the responses to this thread are very curious! For those of you who say that the market run ups in 2000 and/or 2007 were plain to see, did you see it at the time? If so, I assume that you went all to cash for a year or so before getting back into the market to capture the upswing. Staying t...
by BrandonBogle
Fri Feb 24, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Simplifying worth taking gains?
Replies: 10
Views: 505

Re: Simplifying worth taking gains?

I recently took some gains to simplify and move all my REITs to tax-deferred accounts. While paying some capital gains is painful, I valued the simplicity and the tax benefits going forward (REITs kick off a lot of non-qualified dividends, increasing taxes each year). In another instance, my wife t...
by BrandonBogle
Fri Feb 24, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Simplifying worth taking gains?
Replies: 10
Views: 505

Re: Simplifying worth taking gains?

While I was part-Boglehead before I knew about the Bogleheads (long-term buy and hold, didn't time the market, wasn't speculative too much and was tax efficient mostly, didn't pay excessive fees/expense ratios), I bought individual stocks that make up the S&P 500. Once I became a Boglehead and &...
by BrandonBogle
Fri Feb 24, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Another Use Bonus to Invest or Pay Off Debt Question
Replies: 14
Views: 818

Re: Another Use Bonus to Invest or Pay Off Debt Question

Personally, I would do the Roths (standard level, not mega backdoor), payoff the car loan, and put the rest into your emergency savings. Thankfully, you've had a newborn before, but shoring up more emergency funds just in case is prudent. This can carry you for some time, dipping into the emergency ...
by BrandonBogle
Thu Feb 23, 2017 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 157
Views: 11694

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

I was a longtime Quicken user. I believe my first version was 1996, but I definitely had 1998. Always on a Mac. I got 2003 and don't recall feeling any steps backwards, but moving to 2007 did feel that way and introduced some bugs, but overall was ok. When Intuit didn't create a newer version when A...
by BrandonBogle
Thu Feb 23, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 103
Views: 9982

Re: The Wall Street Journal to close Google loophole entirely

Using the Facebook method works fine for me on Safari 10.0.2. Thank you triceratops!
by BrandonBogle
Thu Feb 23, 2017 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Millionaire
Replies: 65
Views: 7378

Re: New Boglehead Millionaire

Flashes1 wrote:I completely understand how you can't tell anyone but this message board about your achievement. I can't even tell my wife because if she knew our net worth, she'd want to go part time! :happy


LOL! :beer
by BrandonBogle
Thu Feb 23, 2017 1:59 pm
Forum: Investing - Theory, News & General
Topic: Market Run Ups - Now vs. Then
Replies: 67
Views: 3501

Re: Market Run Ups - Now vs. Then

It feels like there's going to have to be a break or a breather where we have a bad year or two. I am not really expecting a 2008-2009 style collapse (major) or even a 2000 style collapse (softened for me by value and REIT), but it does feel like something's got to give here. If it is anything like...
by BrandonBogle
Thu Feb 23, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 55
Views: 2592

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

hellobogle wrote:My final comment is just that 5% VNQ isn't going to make much difference in exchange for the complexity it causes.

TLDR:
...
4. Small allocations (~5%) do not make much difference and cause greater complexity. (see #1)


I was thinking the same thing, but hadn't spoken up yet.
by BrandonBogle
Thu Feb 23, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 118
Views: 5890

Re: Which puppy to buy: golden retriever or labrador retriever?

Re the weight control....its harder with Labs than with other breeds. Most of them have been shown to have a mutation that makes them **hungry all the time**. This was presumably selected for (inadvertently) a long time ago, because it made them more trainable. I imagine training them to dive into ...
by BrandonBogle
Thu Feb 23, 2017 8:41 am
Forum: Investing - Theory, News & General
Topic: Market Run Ups - Now vs. Then
Replies: 67
Views: 3501

Re: Market Run Ups - Now vs. Then

Historically, crashes don't happen when people are fearful (like they are now). Usually, people are greedy and think "it is different this time." I think we have a way to go. This has been my experience as well. 2000 was barely a blip to me since I was just starting to enter the workforce...
by BrandonBogle
Thu Feb 23, 2017 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Do companies match after-tax 401k contributions?
Replies: 32
Views: 1660

Re: Do companies match after-tax 401k contributions?

That said, the only thing I really have in the cobwebs of my mind about tracking IRA funds is if you ever want to roll the funds INTO another 401k, it is easiest if rollover and contributed amounts are not co-mingled, or else you have to do more math. This can apply to tIRA, but I don't believe it ...
by BrandonBogle
Wed Feb 22, 2017 11:57 pm
Forum: Investing - Help with Personal Investments
Topic: Do companies match after-tax 401k contributions?
Replies: 32
Views: 1660

Re: Do companies match after-tax 401k contributions?

When I do in-plan rollover of after-tax to roth ira, can i rollover to my existing roth ira account (primarily for backdoor roth ira) or should I keep it in a dedicated new roth ira account for tax purposes or any other reasons. I rolled over my after-tax to my sole roth IRA in 2014. So far, it has...
by BrandonBogle
Wed Feb 22, 2017 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Do companies match after-tax 401k contributions?
Replies: 32
Views: 1660

Re: Do companies match after-tax 401k contributions?

My employer also allows before tax, after tax and roth. So, far I've been contributing to before tax contributions and investing in few funds. If I max out and start contributing to after-tax and invest in the same funds, how does my brokerage keep track of what is after tax funds/money v/s before ...
by BrandonBogle
Wed Feb 22, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Do companies match after-tax 401k contributions?
Replies: 32
Views: 1660

Re: Do companies match after-tax 401k contributions?

As mentioned above, check your SPD, but I can almost promise that they will stop matching after you reach your $18k limit. As pointed out, this is not always correct. However I think what you are meaning to say is that you won't get "extra" match by contributing more and I think that is p...
by BrandonBogle
Wed Feb 22, 2017 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Millionaire
Replies: 65
Views: 7378

Re: New Boglehead Millionaire

Congratulations and welcome to the "Two Comma Club"! I hope to get there someday myself. Great job. Just remember to "stay the course"!
by BrandonBogle
Wed Feb 22, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Do you replace your electrical switches/outlets or use an electrician?
Replies: 93
Views: 5037

Re: Do you replace your electrical switches/outlets or use an electrician?

The kind electrician did not even charge me!! My lucky day! He said he was available if I needed assistance. My next project after all of the rest will be to see what it takes to have Alexa control my lights - but that will be for another life or location! I am glad the electrician was so very help...
by BrandonBogle
Wed Feb 22, 2017 11:24 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 21ST HEARTDAY, JACK BOGLE
Replies: 22
Views: 1009

Re: HAPPY 21ST HEARTDAY, JACK BOGLE

Happy 21st Heartday Jack! You'll easily make it to see 89 and hopefully many more! Btw, I let out a hearty chuckle at this... "In the abstract, health care is a right," Bogle said. He noted that his insurance bill after his transplant topped $780,000 but that with excellent health-care cov...
by BrandonBogle
Tue Feb 21, 2017 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: Do companies match after-tax 401k contributions?
Replies: 32
Views: 1660

Re: Do companies match after-tax 401k contributions?

My employer does a match into my Roth 401-K, But the employer match portion is pre-tax. They may appear co-mingled, but Merrill Lynch keeps track of the match amount versus the employee contributions. When I asked, --- Merrill Lynch agreed that each portion can be transferred out separately into se...
by BrandonBogle
Tue Feb 21, 2017 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Do companies match after-tax 401k contributions?
Replies: 32
Views: 1660

Re: Do companies match after-tax 401k contributions?

I would imagine all that offer matching do so even if you are contributing after-tax, but check with HR/your plan docs to be sure.

That said, bear in the mind that employer matches would be on a pre-tax basis.
by BrandonBogle
Tue Feb 21, 2017 12:28 am
Forum: Investing - Help with Personal Investments
Topic: [What] to Do When Income Too High for Roth IRA
Replies: 15
Views: 1329

Re: [What] to Do When Income Too High for Roth IRA

You may have missed it in lazzylarry's edited reply, but is your 401k worthwhile and does it allow you to rollover your IRA into it? If so, that would then open up backdoor Roths without a tax burden. Just don't let the tail wag the dog and move your Traditional IRA to the 401k if you have lousy opt...
by BrandonBogle
Tue Feb 21, 2017 12:23 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 118
Views: 5890

Re: Which puppy to buy: golden retriever or labrador retriever?

I feel this thread needs more photos. Here is my black lab :)
Image
by BrandonBogle
Tue Feb 21, 2017 12:10 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 118
Views: 5890

Re: Which puppy to buy: golden retriever or labrador retriever?

You stated your reasons for not wanting a shelter pup from your local shelter, but have you checked out your local humane society, other area shelters, and/or wait it out until the right pup needs a forever home? My black lab was a gift from a prior relationship, but all three cats were shelter cats...
by BrandonBogle
Mon Feb 20, 2017 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 55
Views: 2592

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

Are you planning to allow automatic reinvestment of dividends, or are you going to have it paid out in cash and manually buy whatever is appropriate to buy at that time? If the former and you ever sell something, you need to make sure an automatic reinvestment in the IRA doesn't not trigger a wash ...
by BrandonBogle
Mon Feb 20, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Faith in Vanguard shaken after seeing wrong name on my 1099 & Statements
Replies: 28
Views: 3613

Re: Faith in Vanguard shaken after seeing wrong name on my 1099 & Statements

I am sorry this happened to you Jane. Just a note that once this is corrected, if you continue to no longer have confidence in Vanguard's IT systems and processes, do an in-kind transfer of your assets to another firm. If you hold mutual funds and not ETFs, find a firm that will let you keep those f...
by BrandonBogle
Mon Feb 20, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Muni Bond Funds: state-by-state breakout (for tax purposes)
Replies: 1
Views: 259

Re: Muni Bond Funds: state-by-state breakout (for tax purposes)

Thanks Tamales!

Just a note to mention checking your 1099-DIVs too. Not all brokerages may do this, but my WellsTrade 1099-DIV each year includes Vanguard's break down for the Vanguard Muni Funds I hold (the only munis funds I hold are from Vanguard).
by BrandonBogle
Mon Feb 20, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Utility Bills - How do ours compare?
Replies: 37
Views: 2631

Re: Utility Bills - How do ours compare?

Location: NC House size: 2,000 sq ft Occupants: 2 Average monthly based on full year: Electric: $150 (high: $180, low: $100) -- special note: I drive an EV, so this also includes "fuel cost" for my vehicle Gas: N/A, all electric-house Sewer: included in water bill Water: $50 Trash: include...
by BrandonBogle
Mon Feb 20, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Taxes in a community property state
Replies: 5
Views: 285

Re: Taxes in a community property state

On a side-note. You say they got married on 12/30. Any possibility that their marriage license paperwork wasn't done at the ceremony (or before) and was signed and in effect in 2017? Then he could file single vs. MFS and none of this is a worry for 2016.
by BrandonBogle
Mon Feb 20, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 29
Views: 5097

Re: Tracking progress to $1M portfolio and no mortgage by 40

Sadly, I'm significantly off track. My current projections show that I will not make it to the two comma club by 40 and I will still have my modest mortgage (though I'm in no rush to pay off a 2.875% mortgage). Hopefully circumstances can change in the next year or two as life expenses went up drast...
by BrandonBogle
Sun Feb 19, 2017 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: TSM vs TSM Tax Efficiency: Vanguard VTSAX vs Schwab SWTSX
Replies: 15
Views: 1582

Re: TSM vs TSM Tax Efficiency: Vanguard VTSAX vs Schwab SWTSX

I may invest about $100k in my after-tax assets total in the upcoming year. SWTSX will decrease to 0.03% annual ER vs 0.05% for vtsax. I have both vanguard and schwab brokerage accounts. For $100k invested, can someone show me the difference in each in terms of having to pay taxes on dividends? Any...
by BrandonBogle
Sun Feb 19, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: $130 Pension Rollover - Worth the bother to keep it tax-deferred?
Replies: 3
Views: 274

Re: $130 Pension Rollover - Worth the bother to keep it tax-deferred?

If you are willing to take the penalty to keep it as a distribution, why not put it in a Traditional IRA and pay the taxes to roll it over to your Roth like your back-door contributions?
by BrandonBogle
Sun Feb 19, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Tesla Model X Review, 2 Months In
Replies: 38
Views: 3874

Re: Tesla Model X 2 Months Review

Thank you Cannondale and others for taking the time to give this information to the community. The Model X has long been my car crush, but I haven't been in a position to buy one. These issues do sound annoying, but also sound mostly solvable with better QA. I want to thank you and other early adop...
by BrandonBogle
Sun Feb 19, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Tesla Model X Review, 2 Months In
Replies: 38
Views: 3874

Re: Tesla Model X 2 Months Review

Yes, my family member went on the tesla forums. I didnt get into it, but the heat from the car was also so so weak in the midwest climate, that in cold weather it is hard to heat the car's cabin. The forums said to use the seat heaters - duh, he was, but it was not nearly warm enough. The kids in t...
by BrandonBogle
Sun Feb 19, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Tesla Model X Review, 2 Months In
Replies: 38
Views: 3874

Re: Tesla Model X 2 Months Review

I had a family member who had a tesla S. He got into a very very minor fender bender, something so small. It took tesla 6 months to get the parts, and they never had him informed. Not some complex internal part, but just screws, etc. He also noted that the cold weather performance with the battery ...
by BrandonBogle
Sun Feb 19, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 80
Views: 4908

Re: Tesla Model 3 or Chevy Bolt?

I have a Model X with hardware 2.0. It's spent more time in the shop than I've spent driving. It's in the shop now. Seems like I should have sprung the $ for 2 Jaguars. The good news is that the loaners they gave me, a S 85 and a SP85D. The P85D is fast and is fun to drive, although the autopilot i...
by BrandonBogle
Sun Feb 19, 2017 12:49 am
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 55
Views: 2592

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

BL wrote:Do you have a 401k available? If so, you could save a lot on taxes by contributing to that instead of taxable.

MotoTrojan wrote:No 401K offered at current gig. With that info, does a Roth not make sense?


It was buried a good bit down the conversation.
by BrandonBogle
Sun Feb 19, 2017 12:29 am
Forum: Personal Finance (Not Investing)
Topic: How to Split $10K Fed Tax Bill Between Husband and Wife
Replies: 38
Views: 2008

Re: How to Split $10K Fed Tax Bill Between Husband and Wife

*In the past years, my wife worked and had her taxes withheld by her employers. I have retired since 2008 and living off of savings and when it came to tax time, I would report my 1099-Div from Vanguard. I would complete a 1040 with only her numbers and then I would do another 1040 adding my divide...
by BrandonBogle
Sat Feb 18, 2017 11:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 62
Views: 2584

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

Happy Birthday Bogleheads Forum!

Thank you Mel, LadyGeek, Triceratop, and the rest of the team (I know I missed many) for making this such a success, both on the front end facing us and the back end facing the systems and technical systems!
by BrandonBogle
Sat Feb 18, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 55
Views: 2592

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

Are you planning to allow automatic reinvestment of dividends, or are you going to have it paid out in cash and manually buy whatever is appropriate to buy at that time? If the former and you ever sell something, you need to make sure an automatic reinvestment in the IRA doesn't not trigger a wash s...
by BrandonBogle
Sat Feb 18, 2017 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 39
Views: 3697

Re: What Do You Keep In Your Bank Safe Deposit Box?

Hockey10 brings up a good point that others should consider. Many banks have a policy to lock access when the owner(s) pass away and do not allow access until a the executor of the statement provides documentation so they can access the safe. So absent making others available to access the safe, don...
by BrandonBogle
Sat Feb 18, 2017 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 39
Views: 3697

Re: What Do You Keep In Your Bank Safe Deposit Box?

Will, deed, blueprints, encrypted backup hard drive. I should add my social security and such there. I have three backup hard drives. Two at the house and a third at the safe deposit box. I rotate them through every 6 months. The two at home are just cheap insurance if one fails and I need a doc res...
by BrandonBogle
Fri Feb 17, 2017 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 55
Views: 2592

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

I thought you could pull from a Roth no matter what as long as it is only contributions? Hadn't heard of a 5 year limit. Not that I plan to. You are indeed correct on that. Sorry about that. I was working on a Roth conversion easier this week and had the 5 year rule b/c of that stuck in my head. :o...
by BrandonBogle
Fri Feb 17, 2017 5:19 pm
Forum: Investing - Theory, News & General
Topic: 2016 Relative Tax Efficiency
Replies: 34
Views: 3687

Re: 2016 Relative Tax Efficiency

any way to get same info for a higher tax bracket? say 33 fed, 9.3 state (CA). excel spreadsheet wouldnt let me edit. With the spreadsheet open, go to File and choose "Make a copy". Then edit the rate fields to your heart's content. Keep in mind any AMT considerations as mentioned earlier...

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