Search found 9573 matches

by letsgobobby
Thu Dec 08, 2016 5:33 pm
Forum: Investing - Theory, News & General
Topic: Explain why Rebalancing isn't Market Timing?
Replies: 205
Views: 5214

Re: Explain why Rebalancing isn't Market Timing?

Hi everyone, I am an inexperienced investor who is struggling to deal with this logical dilemma. Can you please explain to me why rebalancing isn't market timing? I have been shamed and made fun of for having this hypothesis but I am not technically experienced or literate enough in order to prove ...
by letsgobobby
Thu Dec 08, 2016 3:59 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 276
Views: 24731

Re: Flaunt Your High-Mileage Car

2005 Honda Odyssey EX-L 180,000 miles Spent around $2000 in repairs till now - A/C, brakes, rotors etc. Not sure if I will keep it for long. Needs another $2000 (needs engine mounts, tires, power steering pump, etc) to make it last many more thousands of miles............just not sure about repair ...
by letsgobobby
Thu Dec 08, 2016 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Question about international funds and investing larger sums at market highs
Replies: 3
Views: 275

Re: Question about international funds and investing larger sums at market highs

⋅ I understand you shouldn't try to time the market, and it's best to invest regularly to try to remove emotion from ups and downs. How does this apply to larger sums though when the market is at all-time highs? I've been holding onto some money and only trickling it into the market over ...
by letsgobobby
Sat Dec 03, 2016 6:12 pm
Forum: Personal Consumer Issues
Topic: how do I play music on an Android phone?
Replies: 18
Views: 1903

Re: how do I play music on an Android phone?

4. it says it is an mpg mpg is the extension for MPEG video files. That may be why you're having trouble playing it in an audio player. What happens when you try to play this on your computer? sorry, that was a typo. it is an mp3. for some reason I could not get the phone folders such as "musi...
by letsgobobby
Sat Dec 03, 2016 11:33 am
Forum: Personal Consumer Issues
Topic: how do I play music on an Android phone?
Replies: 18
Views: 1903

Re: how do I play music on an Android phone?

The benefit of android is that it has an easy to use file system. You do not need several apps to scan it or play it. You are over complicating things - are you sure you are not using an iphone?! You should be able to copy it over to your phone and then open it in the samsung music app. You do not ...
by letsgobobby
Fri Dec 02, 2016 2:45 pm
Forum: Investing - Theory, News & General
Topic: "Preliminary Capital Gains Estimates"
Replies: 3
Views: 778

Re: "Preliminary Capital Gains Estimates"

I'm surprised the Institutional Total Stock funds show a distribution, but there are no distributions expected for Investor or Admiral shares.
by letsgobobby
Fri Dec 02, 2016 12:29 am
Forum: Investing - Help with Personal Investments
Topic: Is This Insane?
Replies: 28
Views: 3480

Re: Is This Insane?

that allocation could easily lose 90% in a crash. with no guarantee of recovery for many years. if you wanted a barbrll portfolio and had >50% fixed income, this might be suitable for your equities.
by letsgobobby
Thu Dec 01, 2016 1:12 pm
Forum: Personal Consumer Issues
Topic: how do I play music on an Android phone?
Replies: 18
Views: 1903

Re: how do I play music on an Android phone?

I purchased from Bandcamp. I downloaded the bandcamp app, which allows me to stream the music, but I was hoping to save data and be able to play the music while offline, so I wanted to download it.

It is an .mp3 file.
by letsgobobby
Thu Dec 01, 2016 2:05 am
Forum: Personal Consumer Issues
Topic: how do I play music on an Android phone?
Replies: 18
Views: 1903

how do I play music on an Android phone?

I have a galaxy s4. I bought a digital album and downloaded it to my PC. I tried to drag and drop it into my phone/music folder but nothing happens. I then tried the direct route, by downloading to my Android. It comes in a zip file, so I had to download an unzip app. I unzipped it and now can play ...
by letsgobobby
Thu Dec 01, 2016 12:52 am
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 6091

Re: Should I buy a new car for safety's sake?

My vehicle is 10 years old but I know it has ESC and plenty of airbags. It's 'safe enough' I think for now. ESC is definitely worth having. That's worth upgrading for. And right now I'm trying to get my parents out of their 19 year old Accord which has no ESC and only 1 or 2 airbags to my knowledge....
by letsgobobby
Wed Nov 30, 2016 11:35 am
Forum: Investing - Theory, News & General
Topic: Are stocks over bought as of late?
Replies: 17
Views: 1629

Re: Are stocks over bought as of late?

mule wrote:Stocks are over bought It seems to me.

One of the (many) benefits of Bogleheadedness is not having to know, and not caring, if this is true.
by letsgobobby
Tue Nov 29, 2016 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Turning Primary Residence Into a Rental
Replies: 16
Views: 1234

Re: Turning Primary Residence Into a Rental

we did this in August. one factor is we had not lived in the home 2 years so if we had sold we would not have been capital gains tax exempt in any case. what I have read is that an ideal rental will earn in monthly rent 1% of the purchase price. in your case you are getting half that, $3500 on a $70...
by letsgobobby
Tue Nov 29, 2016 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: should I ask for referral bonus? (physician private practice)
Replies: 26
Views: 1893

Re: should I ask for referral bonus? (physician private practice)

Our company offers a $5000 referral bonus for a physician hire but that is established policy up front. Asking after the fact may be possible... but seems awkward.
by letsgobobby
Sun Nov 27, 2016 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: $ 4 mil. after bs. sale. Redeploy & Portfolio advice?
Replies: 29
Views: 2795

Re: $ 4 mil. after bs. sale. Redeploy & Portfolio advice?

Status: Age 62, married. No debts. No loans. :dollar $ 6 mil. after R/E sales (income property, r/e development/investments). Moved to new state. New home paid in cash. Live frugally. Kids grown. On their own. (so far) No major expenses planned nor desired. Don't need a boat, a 2nd home, pricey RV,...
by letsgobobby
Sun Nov 27, 2016 11:13 am
Forum: Personal Consumer Issues
Topic: Roku 3 v. Apple TV v. ???
Replies: 44
Views: 3954

Re: Roku 3 v. Apple TV v. ???

my goal is to be able to stream content from iPad to our Panasonic TV. specifically youtube and web based streaming sporting events. is Apple TV the way to go? which version do I need? the older ones are less expensive than the newer ones. If you want to stream from your iPad, then it has to be an ...
by letsgobobby
Sun Nov 27, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Roku 3 v. Apple TV v. ???
Replies: 44
Views: 3954

Re: Roku 3 v. Apple TV v. ???

actually it looks like google chromecast will work just as well. And it's on sale this weekend for $25. Any reason not to go with this cheapest option? We don't need all the other apps, as we already have cable and netflix. Just want to be able to mirror our ipad on the TV.
by letsgobobby
Sun Nov 27, 2016 9:39 am
Forum: Personal Consumer Issues
Topic: Roku 3 v. Apple TV v. ???
Replies: 44
Views: 3954

Re: Roku 3 v. Apple TV v. ???

my goal is to be able to stream content from iPad to our Panasonic TV. specifically youtube and web based streaming sporting events.

is Apple TV the way to go? which version do I need? the older ones are less expensive than the newer ones.
by letsgobobby
Sat Nov 26, 2016 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Self/spouse as beneficiary of 529?
Replies: 8
Views: 648

Re: Self/spouse as beneficiary of 529?

Incendiary wrote:I thought that form was the gift tax form?

uh huh, see that's why I said Don't think so. just checking that you're awake.
by letsgobobby
Sat Nov 26, 2016 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Self/spouse as beneficiary of 529?
Replies: 8
Views: 648

Re: Self/spouse as beneficiary of 529?

Incendiary wrote:You have to file a gift tax form, though?

don't think so. assuming you elect the five year exception for 529s, you don't have to file a gift tax form but you do have to file form - I think - 709.
by letsgobobby
Sat Nov 26, 2016 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Self/spouse as beneficiary of 529?
Replies: 8
Views: 648

Re: Self/spouse as beneficiary of 529?

Thanks. From this link, it seems that changing beneficiaries across generations creates a gift tax consequence for someone: http://www.fa-mag.com/news/avoiding-section-529-plan-pitfalls-6204.html In my state, I could create an account for myself and get an additional deduction, but the tax benefit ...
by letsgobobby
Fri Nov 25, 2016 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Keep it simple at high income level?
Replies: 34
Views: 5764

Re: Keep it simple at high income level?

Good advice above. We max out I-Bonds every year (low annual limit, but it eventually accumulates). I've seen many i-Bond advocates on these boards, and I just don't get it. Ok, they are inflation protected...but the yield is pretty low. Fixed rate at the moment is 0.0%. Why wouldn't I just stick t...
by letsgobobby
Thu Nov 24, 2016 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Do you track your net worth? How long have you done so?
Replies: 110
Views: 7700

Re: Do you track your net worth? How long have you done so?

Have used an Excel spreadsheet since medical school, 1999 (there was hardly anything to track at the time). Initially every 2 weeks, then monthly, now quarterly.
by letsgobobby
Thu Nov 24, 2016 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Keep it simple at high income level?
Replies: 34
Views: 5764

Re: Keep it simple at high income level?

estate planning needs may be different but investment needs are not. We have an exclusively indexed portfolio and most of our assets are in taxable.
by letsgobobby
Thu Nov 24, 2016 4:01 pm
Forum: Investing - Theory, News & General
Topic: Stock market in record territory vs Re-balancing portfolio
Replies: 5
Views: 768

Re: Stock market in record territory vs Re-balancing portfolio

The U.S. stock market is at a record high. Come Jan 1 I will analyze my portfolio to see if it needs to be re-balanced. With stocks rising and bonds falling, my allocation may have changed enough that I will sell stock and buy bonds to get the allocation back in balance. BUT - The market appears (?...
by letsgobobby
Thu Nov 24, 2016 3:29 pm
Forum: Investing - Theory, News & General
Topic: How often do you hit your rebalancing bands?
Replies: 31
Views: 1927

Re: How often do you hit your rebalancing bands?

Well, this is very true in retirement accounts, but in taxable accounts, sadly, we still pay those pesky transaction fees... I don't pay transactions fees in my taxable accounts. For instance, mutual fund exchanges go flawlessly without friction. I will admit that some people will get hit with taxe...
by letsgobobby
Thu Nov 24, 2016 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Just Learned about donor advise fund (DAF) and thinking of jumping in before year end.
Replies: 18
Views: 1591

Re: Just Learned about donor advise fund (DAF) and thinking of jumping in before year end.

this thread is about whether OP should open a DAF so you can't take the existence of a DAF as a given. the point is the costs need to be taken into account.
by letsgobobby
Thu Nov 24, 2016 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Just Learned about donor advise fund (DAF) and thinking of jumping in before year end.
Replies: 18
Views: 1591

Re: Just Learned about donor advise fund (DAF) and thinking of jumping in before year end.

DAFs are excellent but the fees are higher than comparable taxable investments. Fido and Vanguard have a 0.6% annual fee, minimum $100, so take that into account. These higher expenses mean it's generally not the best strategy to invest in a DAF long term; furthermore it's generally better to let an...
by letsgobobby
Wed Nov 23, 2016 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Just Learned about donor advise fund (DAF) and thinking of jumping in before year end.
Replies: 18
Views: 1591

Re: Just Learned about donor advise fund (DAF) and thinking of jumping in before year end.

I’m thinking about selling them all and move the funds over to vanguard index funds after they(vanguard) do their distributions. But take 15k of the proceeds (ie the gain) and open a DAF with Fidelity. We give about 7K a year to the church and other places so it would be like prepaying 2 years our ...
by letsgobobby
Wed Nov 23, 2016 12:04 pm
Forum: Personal Consumer Issues
Topic: How Much Housing Payment Can a Boglehead Afford?
Replies: 90
Views: 3962

Re: How Much Housing Payment Can a Boglehead Afford?

It's too hard to generalize. For one thing, two home buyers with the same income may have vastly different bank accounts and vastly different job security. The house payment I feel comfortable with today is larger than the house payment I felt comfortable with 10 years ago, and though my job and inc...
by letsgobobby
Wed Nov 23, 2016 9:21 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 117
Views: 9159

Re: TaxAct pre-purchase discount

happy with plus for $10.50.

think i had premium last year, but i don't own a business, just a rental. hope the plus is adequate.

i don't think online is such a big deal. in this day and age i just assume all my data is already out there.
by letsgobobby
Tue Nov 22, 2016 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: What to do on Jan 1?
Replies: 6
Views: 1747

Re: What to do on Jan 1?

Yes, the easiest thing to do, if possible, is to transfer your TIRA into your 401k now, and then in 2017 when you have no TIRA and therefore no basis, you can make a backdoor Roth IRA contribution* without worrying about your income for 2017. You can then do that every year going forward, again with...
by letsgobobby
Tue Nov 22, 2016 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of retiring
Replies: 22
Views: 3263

Re: Thinking of retiring

Your pension is > your expenses. You have another 45x your expenses in savings. There doesn't seem to be much to debate.
by letsgobobby
Tue Nov 22, 2016 4:23 pm
Forum: Investing - Theory, News & General
Topic: Decided to try timing the market. 100% short on 9/17/15
Replies: 349
Views: 49058

Re: Decided to try timing the market. 100% short on 9/17/15

bump, as there seems to be a large number of "should I sell all my stock holdings" threads recently.

this poster disappeared so we don't know how he did, though superficially it appears, "not well."

Market timing is hard.
by letsgobobby
Tue Nov 22, 2016 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: crash
Replies: 10
Views: 1545

Re: crash

I'm concerned about the next market crash. My wife and I are 67, have good pensions and social security ( $11.174 net). However Concerned I'm about the next market crash and thinking about going to CDs to keep the principle and not worry about a 40-50% crash. Presently we have $470,000 in Vanguard ...
by letsgobobby
Tue Nov 22, 2016 2:09 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 187
Views: 15089

Re: Retreat to cash

This is certainly a political thread and should have been closed. The OP is political, and since the thread is still open my response is also necessarily political: The only "uncertainty" I see is whether all-but certain supply side tax cuts and regulatory reforms will boost the economy a...
by letsgobobby
Tue Nov 22, 2016 1:46 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 187
Views: 15089

Re: Retreat to cash

This time I see potential uncertainty and possibility to protect against a significant decline. ... I’m not a market timer and well understand the fallacy of that approach. These comments are utterly at odds with each other. Either you can predict the future, or you can't. Which is it? An all-cash ...
by letsgobobby
Mon Nov 21, 2016 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Double Check Figures: Affording $1M Home
Replies: 81
Views: 6543

Re: Double Check Figures: Affording $1M Home

Your calculations rely on placing a large sum as down payment. That lowers your monthly payment, but may artificially suggest you can better afford the house than is really true. In general, shopping by monthly payment alone is a dangerous way to buy expensive items (cars, houses). It's necessary wi...
by letsgobobby
Mon Nov 21, 2016 1:00 am
Forum: Personal Finance (Not Investing)
Topic: Prepaying 2017 state/local taxes before end of 2016
Replies: 25
Views: 1920

Re: Prepaying 2017 state/local taxes before end of 2016

DSInvestor wrote:Are you doubling up your charitable donations in 2016 as well?

I'm not the OP, but I am giving it serious thought. However, it would increase the annual fee in our Fido DAF for about 1 year so that has to be offset against any possible gain.
by letsgobobby
Mon Nov 21, 2016 12:49 am
Forum: Personal Finance (Not Investing)
Topic: State tax situation if residing in WA and working remotely for MA-based employer
Replies: 9
Views: 921

Re: State tax situation if residing in WA and working remotely for MA-based employer

Yes. You will also have to file a tax return as a nonresident. Nonresidents are required to file income tax returns with Massachusetts if their Massachusetts gross income (derived from sources within Massachusetts) exceeds either $8,000 or the prorated personal exemption to which they are entitled,...
by letsgobobby
Sun Nov 20, 2016 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Wealth advisory services
Replies: 68
Views: 4300

Re: Wealth advisory services

found their approach interesting, primarily because it engaged my wife. I'm hearing that they are basically very good at sales and as a result you are going to pay them a few tens of thousands of dollars per year. That doesn't make it a good or bad deal, or worth it or not worth it, but your inclin...
by letsgobobby
Sun Nov 20, 2016 4:03 pm
Forum: Personal Consumer Issues
Topic: gardening, soil amendment, composting
Replies: 33
Views: 2468

Re: gardening, soil amendment, composting

I built a 25' lasagna garden bed yesterday, with newspaper and 2 layers each of chicken coop material (mostly shavings, some poop), shredded leaves, and grass clippings. About equal amounts of each. I am going to try to grow my asparagus there. I may add some pine boards in the spring to hold everyt...
by letsgobobby
Sun Nov 20, 2016 3:23 pm
Forum: Investing - Theory, News & General
Topic: How a friend legally front-ran the market and made millions
Replies: 29
Views: 4899

Re: How a friend legally front-ran the market and made millions

nisiprius wrote: insistence by some that there is no extra risk whatsoever


Who insists that?
by letsgobobby
Sun Nov 20, 2016 10:15 am
Forum: Personal Consumer Issues
Topic: Corvette to Hybrid
Replies: 55
Views: 4767

Re: Corvette to Hybrid

you: used nissan leaf for $8000
her: choice of new toyotaish vehicle or used audiish vehicle, should be similatly priced

if you can also afford to keep the corvette do it. you will need a backup car for when the audi breaks down.
by letsgobobby
Sat Nov 19, 2016 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Rate my portfolio VTI 60%, VXUS 30%, BND 10%
Replies: 39
Views: 2809

Re: Rate my portfolio VTI 60%, VXUS 30%, BND 10%

I'm not saying you should use VGK. I'm saying I would hold nearly 50% of my stocks in Europe-based stocks, and VGK is an easy way to do that. Having less than that not only in Europe but in the entire global market ex-US is a radical move. You are voting against market weights and against your euro-...
by letsgobobby
Sat Nov 19, 2016 11:03 am
Forum: Investing - Theory, News & General
Topic: Adding 5%+ ... Rebalance or Proportional
Replies: 12
Views: 1308

Re: Adding 5%+ ... Rebalance or Proportional

the real question is why your US equities went from 30% to 40% in just 2.5 months when the stock market is up less than 10% during that time.
by letsgobobby
Sat Nov 19, 2016 2:12 am
Forum: Personal Consumer Issues
Topic: Portland or Dallas (Southlake area)
Replies: 28
Views: 2053

Re: Portland or Dallas (Southlake area)

We have lived in the vancouver, wa area for more than ten years. My better half is from Fort Worth and we have family all over the metroplex and have spent lots of time there over the years. I went to med school in Houston. The list of things I disliked about Tejas is about a mile long, but weather,...
by letsgobobby
Fri Nov 18, 2016 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: If you started from scratch, TODAY?
Replies: 31
Views: 4029

Re: If you started from scratch, TODAY?

as the others have said, I am very happy with my current AA so if I were starting today I would have the same AA as I already have. If I didn't like what I had I would change it. Your original question is not consistent. For me, maximum returns, life savings, and 15-20 year horizon don't fit togethe...

Go to advanced search