Search found 407 matches

by boglephreak
Thu Apr 20, 2017 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Refinancing
Replies: 4
Views: 550

Student Loan Refinancing

A friend of mine is a recently graduated student who is working full-time. She is working hard to pay off her student loans and wants to consolidate the remaining loans to get a lower interest rate. Ironically, because she is working so hard to pay the loans down she doesnt have savings, and she was...
by boglephreak
Tue Apr 04, 2017 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Corrected 1099
Replies: 8
Views: 893

Re: Vanguard Corrected 1099

so, Vanguard fixed it by switching from average (or whatever the default is) to specid, and now its all good. funny enough, the original form was correct, but the "corrected form" was wrong, and the corrected, corrected form is the original form..... sigh.... Keep in mind that the IRS rec...
by boglephreak
Mon Apr 03, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Corrected 1099
Replies: 8
Views: 893

Re: Vanguard Corrected 1099

so, Vanguard fixed it by switching from average (or whatever the default is) to specid, and now its all good. funny enough, the original form was correct, but the "corrected form" was wrong, and the corrected, corrected form is the original form..... sigh....
by boglephreak
Wed Mar 22, 2017 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Corrected 1099
Replies: 8
Views: 893

Re: Vanguard Corrected 1099

thanks tiax.

just found this post as well, appears to be same/similar issue. i have sent a secure message, i guess i will call to get it escalated as well.

viewtopic.php?t=213035
by boglephreak
Tue Mar 21, 2017 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Corrected 1099
Replies: 8
Views: 893

Vanguard Corrected 1099

I am very confused by what I have received from Vanguard. I sold int'l back in November at a loss of about $2000 to tax loss harvest. My original 1099 showed it as a loss of about that amount, and no wash. I just received a corrected 1099, which shows a loss of only about $500, and a wash of about $...
by boglephreak
Tue Feb 28, 2017 3:49 am
Forum: Investing - Theory, News & General
Topic: Time to invest
Replies: 18
Views: 2014

Re: Time to invest

yes, statistically now is the time. but, given your concerns, maybe you should dollar cost average it $10,000 a month for the next 10 months. in a year, this will be the best advice you ever received, or the worst. no one knows.
by boglephreak
Tue Feb 28, 2017 3:44 am
Forum: Investing - Theory, News & General
Topic: Buffett interview Monday 2/27
Replies: 38
Views: 4320

Re: Buffett interview Monday 2/27

i read the entire transcript. i do not think we are the target audience for that interview. a few interesting tidbits around the end and the statement regarding the market not being overvalued, but i wouldnt recommend it to anyone.
by boglephreak
Fri Feb 24, 2017 5:02 pm
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 53
Views: 7692

Re: PurePoint 1.25% online savings $10K min

not sure its worth the hassle of moving my money from ally, but it is better. i wonder if this is going to be a new trend of savings rates increasing, especially considering anticipated fed rate increases.
by boglephreak
Tue Feb 21, 2017 1:09 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett v. Bogleheads
Replies: 40
Views: 4532

Re: Warren Buffett v. Bogleheads

nothing to reconcile. i dont follow generic investment philosophies especially ones as subjective as this one (assuming buffet even considers it an investment philosophy).
by boglephreak
Mon Feb 20, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Should we purchase a $1 Million dollar home with all cash?
Replies: 43
Views: 5519

Re: Should we purchase a $1 Million dollar home with all cash?

there is no wrong answer here. paying cash is a good idea. taking out a mortgage for a good portion of it (at today's low rates) is a good idea if you are investing the rest of the money. i also live in the bay area and have significantly paid off my home. i just refi'd at 2.75% and kind of regret p...
by boglephreak
Fri Feb 17, 2017 6:14 pm
Forum: Investing - Theory, News & General
Topic: 2016 Relative Tax Efficiency
Replies: 43
Views: 5077

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...
by boglephreak
Fri Feb 17, 2017 5:18 pm
Forum: Investing - Theory, News & General
Topic: 2016 Relative Tax Efficiency
Replies: 43
Views: 5077

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.

edit: thanks for doing this. i relied on your same info in 2016 for my fund location.
by boglephreak
Thu Feb 16, 2017 3:29 pm
Forum: Investing - Theory, News & General
Topic: What's a good analogy for average returns?
Replies: 45
Views: 2887

Re: What's a good analogy for average returns?

You need to take a difficult and frustrating course. You go to class. The professor offers two choices: 1. Leave now with a final grade of B+. 2. Take the course and be graded according to: 10% "A", 20% "B", 50% "C", 20% "D", and 10% "F". Bogleheads...
by boglephreak
Wed Feb 15, 2017 12:49 pm
Forum: Investing - Theory, News & General
Topic: Beating the market through behavioral finance.
Replies: 51
Views: 3390

Re: Beating the market through behavioral finance.

Is there a reason why staying the course is hard? for me personally, reading boglehead threads on small cap value, factors, etc. causes me to constantly want to tweak my portfolio. i am less than a year in to the boglehead approach though so havent really hit the point where i am 100% confident in ...
by boglephreak
Fri Jan 27, 2017 1:57 am
Forum: Investing - Theory, News & General
Topic: Bobbie Christensen "She explains how to find safe and secure investments with 100%+ growth per year."
Replies: 55
Views: 5322

Re: "She explains how to find safe and secure investments with 100%+ growth per year."

i think there is a typo in the seminar name. its supposed to be "Building My Financial Portfolio on Your $49 a Class."

i am curious what she is peddling though. not curious enough to give her any money, but curious nonetheless.
by boglephreak
Thu Jan 26, 2017 7:37 pm
Forum: Investing - Theory, News & General
Topic: Fidelity for Bogleheads?
Replies: 21
Views: 2471

Re: Fidelity for Bogleheads?

100% FSSVX (Fidelity small cap index fund), all at once.
by boglephreak
Tue Jan 24, 2017 7:47 pm
Forum: Investing - Theory, News & General
Topic: my annual lessons the markets taught series, part 1
Replies: 8
Views: 1865

Re: my annual lessons the markets taught series, part 1

i like seeing these kinds of facts. These types of results are not at all unusual, For instance, the study “Black Swans and Market Timing: How Not To Generate Alpha,” which covered the 107-year period ending in 2006, found that the best 100 days (out of more than 29,000) accounted for virtually all ...
by boglephreak
Fri Jan 20, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 24627

Re: Annual Vacation Budget

we take one high-end international vacation a year. our philosophy is that we want to see and enjoy as much as possible in that country as we can in a short amount of time (due to vacation time restrictions), and thus tend to spend more. my wife also demands high end hotels (it is a constant struggl...
by boglephreak
Thu Jan 19, 2017 4:54 pm
Forum: Investing - Theory, News & General
Topic: Fed Rate [may go] to 3% - [investing consequences?]
Replies: 85
Views: 9534

Re: Fed Rate [may go] to 3% - [investing consequences?]

nisiprius wrote:snip

interesting graphs. now i know why interest on my undergrad loans (1998-2002) were so much higher than law school (2002-2005), and interest on my condo (2006) was insane.
by boglephreak
Thu Jan 19, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: Fed Rate [may go] to 3% - [investing consequences?]
Replies: 85
Views: 9534

Re: Fed Rate [may go] to 3% - [investing consequences?]

am i reading this right? she wants to increase it from the current 0.75% to 3.0% by 2019? is that a dramatic increase (seems so to me), and is it common to hike it so much in a relatively short time period?
by boglephreak
Wed Jan 18, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Does pharmacy school ranking matter?
Replies: 42
Views: 4265

Re: Does pharmacy school ranking matter?

i think location plays a very large part in the decision-making process. my wife is a pharmacist so i know a lot of pharmacists through her. one of the biggest factors in determining their abilities to get jobs appeared to be where they did their rotations during school. a lot of them ended up in pl...
by boglephreak
Tue Jan 17, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Tax forms for newly opened brokerage account
Replies: 25
Views: 1610

Re: Tax forms for newly opened brokerage account

Please wait. Then wait some more for the corrected forms. Then wait even more for the corrections to the corrected forms. After all, we're talking about Vanguard here. I file in October after filing for an extension in April. Everybody should do that. is it really that bad with Vanguard? i prefer n...
by boglephreak
Fri Jan 13, 2017 1:52 pm
Forum: Investing - Theory, News & General
Topic: "10 Things You Can’t Learn From a Backtest"
Replies: 3
Views: 793

Re: "10 Things You Can’t Learn From a Backtest"

this article could have been a lot shorter.

"One thing you can't learn from a backtest: What’s going to happen in the future."

:D
by boglephreak
Thu Jan 12, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: $600,000. Now what?
Replies: 55
Views: 10518

Re: $600,000. Now what?

IHateCasinos wrote:
boglephreak wrote:wow, NRZ dropped from 24 to 12 in a week (October 10-17, 2014).

it was a 1:2 split.

ah, that changes things.
by boglephreak
Thu Jan 12, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: $600,000. Now what?
Replies: 55
Views: 10518

Re: $600,000. Now what?

wow, NRZ dropped from 24 to 12 in a week (October 10-17, 2014).
by boglephreak
Thu Jan 12, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 80
Views: 6772

Re: Where do you keep your emergency fund?

2/5 of my cash is in my checking account at 0%, and thats what i use to pay bills every month. any amount above 2/5 on the 16th and 2nd gets invested in taxable. 3/5 of my cash is in an ally savings account at 1%. i am considering reducing the amount of cash on hand, but its not enough that its a si...
by boglephreak
Wed Jan 11, 2017 6:33 pm
Forum: Investing - Theory, News & General
Topic: I'm just going to leave this here... [Should you rebalance your portfolio?]
Replies: 36
Views: 2507

Re: I'm just going to leave this here...

i dont see what you think is controversial about that.
by boglephreak
Wed Jan 11, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax 2016 purchase source
Replies: 91
Views: 12850

Re: Turbo Tax 2016 purchase source

buying from staples now. may be a deal today (not sure). its only $45.64 for premium (in-store pickup) with the coupon you note as well as a one-time $10 off. free shipping on orders of more than $50, but i am doing store pickup. Yup, that is a great price. If anyone bought it for $60-10, you shoul...
by boglephreak
Wed Jan 11, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax 2016 purchase source
Replies: 91
Views: 12850

Re: Turbo Tax 2016 purchase source

New low price for those who haven't purchased (or can return to Costco) -- Staples. TurboTax Deluxe plus state is $39.89, then get $10 off TurboTax with code 18450 for a total of $29.89 with free in-store pickup or download. Premier is $60.19, $50.19 with coupon. Deluxe without state is $31.49, so ...
by boglephreak
Wed Jan 11, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: Outliving your savings - pessimistic news
Replies: 21
Views: 3752

Re: Outliving your savings - pessimistic news

hopefully retiring early will give me the time i need to get in better shape and eat healthier so that she wont outlive me by too many years. Why wait ? :wink: i dont use the lazy portfolio because im a go-getter. ;-) plus, if i give in now, i lose all my leverage for convincing her to let me retir...
by boglephreak
Tue Jan 10, 2017 4:42 pm
Forum: Investing - Theory, News & General
Topic: Outliving your savings - pessimistic news
Replies: 21
Views: 3752

Re: Outliving your savings - pessimistic news

im more worried about my wife outliving our savings than me. i am a white male and older by a number of years; she is an asian female in much better shape. hopefully retiring early will give me the time i need to get in better shape and eat healthier so that she wont outlive me by too many years. at...
by boglephreak
Mon Jan 09, 2017 10:55 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 224
Views: 18742

Re: How Bad was 2008, really?

i lost 75% of the value of my condo, which i bought in 2006. in 2016, it still isnt worth what i paid for it. technically, i have lost nothing since i rent it out now and have not sold it. i honestly dont know how my 401k did; i assume poorly. but, back then, i never peeked. only since i read this f...
by boglephreak
Fri Jan 06, 2017 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance payout legal language
Replies: 7
Views: 1018

Re: Insurance payout legal language

I am helping a family member with a "release" document from an insurance company to release them (the insurance company) of all claims from my family member; the release also states a dollar figure they are giving to the family member for the family member to sign the release. In the rele...
by boglephreak
Fri Jan 06, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Settlement Advice
Replies: 19
Views: 1289

Re: Auto Insurance Settlement Advice

Obviously, my ultimate question is "Where do I go from here?" But that question pivots on another. One problem I have is that I have a very poor understanding of what leverage I have, if any, in this situation. I mean… what's the "or else" for the insurance company? What are the...
by boglephreak
Fri Jan 06, 2017 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: What monetary value has your education provided you?
Replies: 107
Views: 5935

Re: What monetary value has your education provided you?

assuming i work for forty years (25-65) and my pay stays around my current rate (it will likely increase in the future and has been lower in the past, but for simplicity sake), it is 80x. it is a law degree and i work in California, so salaries are much higher than the norm. education expenses are a...
by boglephreak
Fri Jan 06, 2017 5:52 pm
Forum: Investing - Theory, News & General
Topic: I am timing the market. Why am I wrong?
Replies: 89
Views: 6182

Re: I am timing the market. Why am I wrong?

A few notes based on the responses: I meant Q3 2015 was when I started my subscriptions, not 2016. That was a mistake. WRT the actual content of those publications, it took a little bit but I found a lot of self promotion and blatant dishonesty in some of the articles (not just in the editorial sec...
by boglephreak
Fri Jan 06, 2017 4:08 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin Purchase
Replies: 38
Views: 4128

Re: Bitcoin Purchase

my friend makes a living off buying and selling bitcoin. he has to deal with a lot of shady people, has been contacted multiple times by police related to fraud/theft issues associated with the money used to buy the bitcoins, and is currently facing increased scrutiny and regulation in California. i...
by boglephreak
Fri Jan 06, 2017 3:37 pm
Forum: Investing - Theory, News & General
Topic: I am timing the market. Why am I wrong?
Replies: 89
Views: 6182

Re: I am timing the market. Why am I wrong?

how are you going to determine when to put your money back in to the market?

also, you say that you started learning in Q3 2016. what makes you think you are better at timing the market than all of the people who have failed to do so for decades?
by boglephreak
Fri Jan 06, 2017 1:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard backdoor ROTH - Exchange vs Convert to Roth options
Replies: 10
Views: 1278

Re: Vanguard backdoor ROTH - Exchange vs Convert to Roth options

I have a question about this. I just transferred $5,500 from my BOA Checking account into my Vangaurd tIRA money market account on Wednesday. When I tried to do the Roth conversion yesterday, the Vanguard website said my tIRA account has "unavailable shares" and that electronic bank trans...
by boglephreak
Thu Jan 05, 2017 8:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard backdoor ROTH - Exchange vs Convert to Roth options
Replies: 10
Views: 1278

Re: Vanguard backdoor ROTH - Exchange vs Convert to Roth options

i thought exchange just means exchanging one fund for another within an account, whereas convert was what was required to convert funds from one account to another (i.e., IRA to Roth IRA). i just did this for my backdoor roth and used the convert button. hope that was correct. when i tax loss harves...
by boglephreak
Wed Jan 04, 2017 8:08 pm
Forum: Investing - Theory, News & General
Topic: Champion of 401K Lament the Revolution they Started
Replies: 75
Views: 4869

Re: Champion of 401K Lament the Revolution they Started

She and Blackstone Group President Tony James are recommending a mandated, government-run savings system that would be administered by the Social Security Administration and managed by investment professionals. i dont trust the government or "investment professionals" to invest my money. ...
by boglephreak
Wed Jan 04, 2017 7:51 pm
Forum: Investing - Theory, News & General
Topic: 2017 Backdoor Roth IRA strategy
Replies: 6
Views: 689

Re: 2017 Backdoor Roth IRA strategy

Retroactive laws are prohibited by the US constitution. So, I would say - yes, you are overthinking this. they could accomplish it by some other means that allows it to be "retroactive." for example, issuing a ruling/clarification that says that it was never allowed in the first place (e....
by boglephreak
Wed Jan 04, 2017 5:24 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1288
Views: 213742

Re: What are you up YTD? [Year To Date]

found bogleheads around march/april of this year. was in all actively managed funds in 401k previously. immediately switched over to S&P 500 index fund at 0.5% ER. in june 2016, convinced firm to switch to fidelity's spartan S&P 500 fund at 0.05% ER. in october 2016, convinced firm to add ad...
by boglephreak
Tue Jan 03, 2017 8:06 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 29275

Re: Whats your number to walk away?

at 36 (wife, 29), i have no idea what our number will be, and i am okay with that. seems too early in life to worry about such things. just keep saving as much as possible, living below our means, and investing wisely. a lot of the responses in here are dashing my dreams of retiring early though. wo...
by boglephreak
Tue Jan 03, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Yellowstone Tours Vs. Self-Guided
Replies: 28
Views: 2413

Re: Yellowstone Tours Vs. Self-Guided

edit: i mistook yellowstone for yosemite, sorry.
by boglephreak
Tue Jan 03, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10497

Re: Max It Out Tomorrow

perhaps a stupid question, but if you contribute $5500 at the beginning of the year, and it drops in value to $3000, can you contribute another $2500 at the end of the year to bring it back up to $5500? i would guess no, but this thread got me thinking.
by boglephreak
Tue Dec 27, 2016 11:08 pm
Forum: Investing - Theory, News & General
Topic: Does Vanguard always have our best interests in mind?
Replies: 55
Views: 4869

Re: Does Vanguard always have our best interests in mind?

assuming they dont have our best interests in mind, what are we to do about it? move to fidelity, schwab or some other brokerage company? not sure they are any better.
by boglephreak
Sat Dec 24, 2016 5:51 pm
Forum: Investing - Theory, News & General
Topic: Financial Independence is not the Holy Grail
Replies: 85
Views: 9457

Re: Financial Independence is not the Holy Grail

the dalai lama came to my university to give a speech. he said money wont bring you happiness, but it certainly helps. if you're unhappy before you retire, i doubt you will suddenly become happy, so i agree with the article. however, i think one of the things that brings happiness to people's lives ...
by boglephreak
Thu Dec 22, 2016 3:57 am
Forum: Personal Finance (Not Investing)
Topic: Employer Requiring Travel to "No Travel" Country
Replies: 48
Views: 6992

Re: Employer Requiring Travel to "No Travel" Country

employers cant force you to do anything. forcing someone to travel to a place to do work is called slavery. they can make it a condition of employment though (absent a contractual agreement or law to the contrary) and fire you if you dont meet the conditions of employment (again subject to contractu...

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