Search found 332 matches

by BV3273
Mon Oct 07, 2019 7:25 pm
Forum: Personal Investments
Topic: Currently invested in 100% stock
Replies: 130
Views: 13296

Re: Currently invested in 100% stock

I’m 33 and I’m 100% stock.

I’m ok with big market swings and declines. If you’re ok with it that’s all that matters. After all it is your money. If you’re not ok with it then change your portfolio accordingly.

I consider my emergency fund my bond portion of my portfolio.
by BV3273
Sun Oct 06, 2019 8:29 am
Forum: Personal Investments
Topic: 401k Contribution Question
Replies: 10
Views: 1029

Re: 401k Contribution Question

Awesome thanks! The variable component definitely makes it challenging sometimes.
by BV3273
Sun Oct 06, 2019 7:54 am
Forum: Personal Investments
Topic: 401k Contribution Question
Replies: 10
Views: 1029

401k Contribution Question

Hello all, I’m just curious how my fellow BHs would handle the following situation: I am a sales rep and my compensation is based on a salary plus a variable component (commissions). My variable compensation has huge swings from month to month. My company matches 4.5% of my total compensation when I...
by BV3273
Fri Sep 20, 2019 7:03 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 7605

Re: How to handle "split-the-bill" group lunches?

There’s three schools of thought.

1. Don’t go
2. Be that person & say I didn’t drink so I’m only paying X
3. Just pay whatever the split is

I went out last night with some friends. They each had around 2-3 beers/mixed drinks and I didn’t drink at all. We divided the bill evenly and that was it.
by BV3273
Tue Sep 10, 2019 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Help me out - What am I doing wrong - Job Hunt related
Replies: 70
Views: 5036

Re: Help me out - What am I doing wrong - Job Hunt related

Yes. This happened twice. Most organizations today would rather promote from within. Absolutely, a lot of organizations prefer to promote from within, but I'd question the validity of that response. That's a canned wordtrack answer from an HR employee whose job is to mitigate risk for their employe...
by BV3273
Tue Sep 10, 2019 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Beach City / Town in Florida
Replies: 56
Views: 5997

Re: Beach City / Town in Florida

I’m a huge Delray Beach fan.
by BV3273
Tue Sep 10, 2019 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Help me out - What am I doing wrong - Job Hunt related
Replies: 70
Views: 5036

Re: Help me out - What am I doing wrong - Job Hunt related

For every 10 managers or HR people I interviewed with I was lucky to receive 1-2 responses. I always ask for feedback. I don’t really blame people for not responding since we are all on a time crunch. I was thankful for the ones that did respond. Sometimes they had an internal candidate, someone fu...
by BV3273
Tue Sep 10, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Help me out - What am I doing wrong - Job Hunt related
Replies: 70
Views: 5036

Re: Help me out - What am I doing wrong - Job Hunt related

For every 10 managers or HR people I interviewed with I was lucky to receive 1-2 responses. I always ask for feedback. I don’t really blame people for not responding since we are all on a time crunch. I was thankful for the ones that did respond. Sometimes they had an internal candidate, someone fu...
by BV3273
Tue Sep 10, 2019 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Help me out - What am I doing wrong - Job Hunt related
Replies: 70
Views: 5036

Re: Help me out - What am I doing wrong - Job Hunt related

I don’t really blame people for not responding since we are all on a time crunch. I was thankful for the ones that did respond. Sometimes they had an internal candidate, someone further along in the process, and/or I wasn’t exactly what they were looking for. None of these answers are helpful/actio...
by BV3273
Tue Sep 10, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Help me out - What am I doing wrong - Job Hunt related
Replies: 70
Views: 5036

Re: Help me out - What am I doing wrong - Job Hunt related

I don’t really blame people for not responding since we are all on a time crunch. I was thankful for the ones that did respond. Sometimes they had an internal candidate, someone further along in the process, and/or I wasn’t exactly what they were looking for. None of these answers are helpful/actio...
by BV3273
Tue Sep 10, 2019 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Help me out - What am I doing wrong - Job Hunt related
Replies: 70
Views: 5036

Re: Help me out - What am I doing wrong - Job Hunt related

For every 10 managers or HR people I interviewed with I was lucky to receive 1-2 responses. I always ask for feedback. I don’t really blame people for not responding since we are all on a time crunch. I was thankful for the ones that did respond. Sometimes they had an internal candidate, someone fur...
by BV3273
Tue Sep 10, 2019 5:53 am
Forum: Personal Finance (Not Investing)
Topic: Help me out - What am I doing wrong - Job Hunt related
Replies: 70
Views: 5036

Re: Help me out - What am I doing wrong - Job Hunt related

OP how bad do you want a new job? Yea I go back and forth. My current job affords me a good amount of flexibility and with 3 small kids at home it's pretty helpful. What frustrates me more than anything is compensation - even though I define it as reasonable. In the 4 years I've been there I've del...
by BV3273
Mon Sep 09, 2019 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Software/SaaS/AI Sales
Replies: 0
Views: 270

Software/SaaS/AI Sales

Been selling the the healthcare/science/med device sales for around 12 years. I am thinking about making a move to tech sales. Any ideas, tips, or advice for someone looking to make a move into the industry?
by BV3273
Mon Sep 09, 2019 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Help me out - What am I doing wrong - Job Hunt related
Replies: 70
Views: 5036

Re: Help me out - What am I doing wrong - Job Hunt related

OP how bad do you want a new job? You need to ask yourself that question. I used to interview constantly and the truth was that I did not want most of the jobs I was interviewing for. It was almost as if I checked out during the interviews. I didn’t realize this until after the fact when I had an ep...
by BV3273
Tue Jul 30, 2019 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Complex inheritance situation
Replies: 21
Views: 1091

Re: Complex inheritance situation

My friend befriended and old lady that frequented the same doctor as my friend. She had very little family and left my friends some cash, stocks, and bonds. Nothing life changing. But definitely a nice chunk of cash. The old lady was supposed to leave my friend her NYC apartment as well, but passed...
by BV3273
Tue Jul 30, 2019 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Complex inheritance situation
Replies: 21
Views: 1091

Re: Complex inheritance situation

... My friend is the executor of the estate. If she's the executor, she can go to the bank with a certificate from the court evidencing that she's the executor, and the bank will drill open the box so she can collect the contents. ... she may want to contact the attorney who drafted the will. In so...
by BV3273
Tue Jul 30, 2019 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Complex inheritance situation
Replies: 21
Views: 1091

Re: Complex inheritance situation

Thanks for the clarification
by BV3273
Tue Jul 30, 2019 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Complex inheritance situation
Replies: 21
Views: 1091

Re: Complex inheritance situation

I got nothing here except to note that financial fraud against seniors is rampant and authorities are alert to it. If the friend believes she has a legitimate claim, she might want to have her own attorney represent her. Fraud investigators will look for a fact pattern leading up to the situation, ...
by BV3273
Tue Jul 30, 2019 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Complex inheritance situation
Replies: 21
Views: 1091

Re: Complex inheritance situation

mchampse wrote:
Tue Jul 30, 2019 5:06 pm
The safety deposit box belongs to her estate and only the executor should have access to the safety deposit box.
My friend is the executor of the estate.
by BV3273
Tue Jul 30, 2019 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Complex inheritance situation
Replies: 21
Views: 1091

Re: Complex inheritance situation

let me start off by saying that my friend is not a fraudster in any sense of the word. She is a gainfully employed professional. She doesn’t need the money or whatever is in there. She didn’t call the bank because shes not sure where to start. Hence my post. Based on the negative responses I’ve gott...
by BV3273
Tue Jul 30, 2019 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Complex inheritance situation
Replies: 21
Views: 1091

Re: Complex inheritance situation

The old lady passed away. She wants to see what’s in there. After all she in on the box. The old lady said the contents belong to my friend if she passes.
by BV3273
Tue Jul 30, 2019 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Complex inheritance situation
Replies: 21
Views: 1091

Complex inheritance situation

Hello all, Looking for a little guidance for a friend. My friend befriended and old lady that frequented the same doctor as my friend. She had very little family and left my friends some cash, stocks, and bonds. Nothing life changing. But definitely a nice chunk of cash. The old lady was supposed to...
by BV3273
Mon Jul 29, 2019 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: How do you move past old financial mistakes?
Replies: 57
Views: 4994

Re: How do you move past old financial mistakes?

Honestly. Keep getting out of bed in the morning and continuing to put one foot in front of the other. I’ve made every possible financial mistake you can think of. I’ve spent ridiculous amounts of money extremely foolishly and have nothing at all to show for it. I was in debt over my eyeballs. Event...
by BV3273
Fri Jul 26, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: Long commute: how to manage?
Replies: 110
Views: 7176

Re: Long commute: how to manage?

I drive a lot for work. To the tune of 30k miles per year is a conservative estimate. Pandora & good talk radio gets me through the day.
by BV3273
Fri Jul 26, 2019 11:05 am
Forum: Personal Investments
Topic: 401k contribution
Replies: 7
Views: 479

Re: 401k contribution

I noticed in your other post that that you are moving into the 32% tax bracket. If so, then that is even more reason to max out your 401K. The money hasn’t disappeared. It went into your retirement account instead of the government’s account. Think about it. By the time taxes came out you would hav...
by BV3273
Fri Jul 26, 2019 9:30 am
Forum: Personal Investments
Topic: 401k contribution
Replies: 7
Views: 479

Re: 401k contribution

Thank you all for the support. The only other priority I have is paying off some debts that are hanging around. Nothing earth shattering, but annoying just the same. I’ve been listening to some Dave Ramsey podcasts lately and that’s been a top priority in my mind. Although I think that passing up an...
by BV3273
Fri Jul 26, 2019 8:38 am
Forum: Personal Investments
Topic: 401k contribution
Replies: 7
Views: 479

401k contribution

I’m not usually the kind of person that needs to be talked out of being tense over a situation, but I need a little bit of moral support from my fellow Bogleheads on this one. I recently upped my 401K contributions to a double digit figure. I was hoping this would take into effect on my next pay che...
by BV3273
Thu Jul 25, 2019 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Orion FCU
Replies: 2
Views: 370

Orion FCU

I setup what I thought was a reward checking account with Orion (4% apy) and actually was setup with a share account instead. When I called they told me that a account representative would call me in 3 business days. They never did. Does anyone else have a similar experience? I feel like it was a ba...
by BV3273
Sun Jul 21, 2019 5:24 pm
Forum: Personal Investments
Topic: Any downside to splitting portfolio?
Replies: 25
Views: 1910

Re: Any downside to splitting portfolio?

I’m going with VTI or Tax Managed and NY Muni Fund
by BV3273
Sun Jul 21, 2019 9:43 am
Forum: Personal Investments
Topic: Any downside to splitting portfolio?
Replies: 25
Views: 1910

Re: Any downside to splitting portfolio?

Bump it
by BV3273
Sun Jul 21, 2019 6:20 am
Forum: Personal Investments
Topic: Any downside to splitting portfolio?
Replies: 25
Views: 1910

Re: Any downside to splitting portfolio?

You said in your first post that you would be constructing this for your taxable account? Why no tax-deferred account for your spouse? You are in a higher tax bracket and pay ample state and local taxes. Have you considered a municipal bond fund in taxable? You are young and putting most (all?) of ...
by BV3273
Sun Jul 21, 2019 5:33 am
Forum: Personal Investments
Topic: Any downside to splitting portfolio?
Replies: 25
Views: 1910

Re: Any downside to splitting portfolio?

Emergency funds: 6 months in HYS Debt: $168k at 4.00%. 30 year fixed. 7 years in. Tax Filing Status: Married Tax Rate: 24% Federal now going to 32%, 6.85% State, 1.15% city State of Residence: NYC Age: 33 Desired Asset allocation: 80% stocks / 20% bonds Desired International allocation: 25% of stock...
by BV3273
Sat Jul 20, 2019 8:08 pm
Forum: Personal Investments
Topic: Any downside to splitting portfolio?
Replies: 25
Views: 1910

Re: Any downside to splitting portfolio?

BV3273 - Did you understand the answers? The problem is that your choices don't represent a diversified market approach. The market moves one way, your funds go the other. What do you have in the rest of your portfolio (the tax deferred part that's not mentioned)? We can help you balance this out, ...
by BV3273
Sat Jul 20, 2019 7:37 pm
Forum: Personal Investments
Topic: Any downside to splitting portfolio?
Replies: 25
Views: 1910

Re: Any downside to splitting portfolio?

Bump. Please help.
by BV3273
Sat Jul 20, 2019 4:36 pm
Forum: Personal Investments
Topic: Any downside to splitting portfolio?
Replies: 25
Views: 1910

Re: Any downside to splitting portfolio?

Taylor Larimore wrote:
Sat Jul 20, 2019 12:36 pm
BV3273 wrote:
Sat Jul 20, 2019 8:45 am
Hello,

I was looking into putting together a portfolio like below:

VBK
VMGRX
VUG

Any downside to doing this?

Thanks,
BV
BV:

I doubt you get many replies because most of us have not memorized ticker symbols.

Please edit your post to include fund names.

Thank you and best wishes.
Taylor
by BV3273
Sat Jul 20, 2019 4:34 pm
Forum: Personal Investments
Topic: Any downside to splitting portfolio?
Replies: 25
Views: 1910

Re: Any downside to splitting portfolio?

:sharebeer Hello, I was looking into putting together a portfolio like below: VBK VMGRX VUG Any downside to doing this? Thanks, BV BV: I doubt you get many replies because most of us have not memorized ticker symbols. Please edit your post to include fund names. Thank you and best wishes. Taylor All...
by BV3273
Sat Jul 20, 2019 1:53 pm
Forum: Personal Investments
Topic: Any downside to splitting portfolio?
Replies: 25
Views: 1910

Re: Any downside to splitting portfolio?

Names & ERs added.
by BV3273
Sat Jul 20, 2019 8:45 am
Forum: Personal Investments
Topic: Any downside to splitting portfolio?
Replies: 25
Views: 1910

Any downside to splitting portfolio?

Hello, I was looking into putting together a portfolio like below. This would all be for my taxable account: VBK - Vanguard Small-cap Growth ETF - ER 0.07 VMGRX - Vanguard Mid-cap Growth Fund - ER 0.36 VUG - Vanguard Growth ETF - ER 0.04 VQNPX - Vanguard Growth & Income Fund - ER 0.33 Fed 32% State ...
by BV3273
Fri Jul 19, 2019 8:30 pm
Forum: Personal Investments
Topic: Are funds with a load really that bad?
Replies: 21
Views: 1371

Re: Are funds with a load really that bad?

Thanks all! I figured I was missing something. That’s why I love this site.
by BV3273
Fri Jul 19, 2019 7:20 pm
Forum: Personal Investments
Topic: Are funds with a load really that bad?
Replies: 21
Views: 1371

Re: Are funds with a load really that bad?

How about FOCPX & FIVFX
by BV3273
Fri Jul 19, 2019 6:47 pm
Forum: Personal Investments
Topic: Are funds with a load really that bad?
Replies: 21
Views: 1371

Re: Are funds with a load really that bad?

OP, don’t be shy. Please post the funds you are looking at. There are plenty of active funds that have outperformed their benchmark index funds, even with loads. The problem is that there are way more than have underperformed their benchmark index. And many times active funds have for a time outper...
by BV3273
Fri Jul 19, 2019 6:20 pm
Forum: Personal Investments
Topic: Are funds with a load really that bad?
Replies: 21
Views: 1371

Are funds with a load really that bad?

Hear me out. I was doing some research on Fidelity on some new mutual funds for my taxable account. I came across two funds with no loads and relatively low ERs. I then found 2 funds with 5.25% loads and decent ERs. The returns on the funds with loads were significantly higher than most of the funds...
by BV3273
Tue Jul 16, 2019 12:19 pm
Forum: Personal Investments
Topic: VTMFX or VSMGX?
Replies: 25
Views: 1977

Re: VTMFX or VSMGX?

I am not the OP but I have the same question. Everything is in taxable. Yet it has been suggested to me multiple times to dump my fairly complex portfolio and go with one fund - Vanguard LifeStrategy Moderate Growth. Sounds like you'd suggest a different approach? P.S. I'm not in NY. Biggest issue ...
by BV3273
Mon Jul 15, 2019 5:43 pm
Forum: Personal Investments
Topic: VTMFX or VSMGX?
Replies: 25
Views: 1977

Re: VTMFX or VSMGX?

Was 24% fed. Probably going to be 32% this year. 6.57% NYS 3% NYC Then of the choices you list use: VTMFX is Vanguard Tax-Managed Balanced Fund; and VNYTX is Vanguard New York Long-Term Tax-Exempt Thanks! Is there a better option for taxable? You could consider: 1) Vanguard Tax-Managed Capital Appr...
by BV3273
Mon Jul 15, 2019 11:25 am
Forum: Personal Investments
Topic: VTMFX or VSMGX?
Replies: 25
Views: 1977

Re: VTMFX or VSMGX?

ruralavalon wrote:
Mon Jul 15, 2019 11:00 am
BV3273 wrote:
Mon Jul 15, 2019 10:35 am
Was 24% fed. Probably going to be 32% this year.

6.57% NYS

3% NYC
Then of the choices you list use:
VTMFX is Vanguard Tax-Managed Balanced Fund; and
VNYTX is Vanguard New York Long-Term Tax-Exempt
Thanks! Is there a better option for taxable?
by BV3273
Mon Jul 15, 2019 10:35 am
Forum: Personal Investments
Topic: VTMFX or VSMGX?
Replies: 25
Views: 1977

Re: VTMFX or VSMGX?

Was 24% fed. Probably going to be 32% this year.

6.57% NYS

3% NYC
by BV3273
Mon Jul 15, 2019 10:14 am
Forum: Personal Investments
Topic: VTMFX or VSMGX?
Replies: 25
Views: 1977

Re: VTMFX or VSMGX?

So what would be a good 70/30 or 60/40 fund to put in my taxable? Or should I just stick with VTI & the NY Muni?
by BV3273
Sun Jul 14, 2019 8:51 pm
Forum: Personal Investments
Topic: VTMFX or VSMGX?
Replies: 25
Views: 1977

Re: VTMFX or VSMGX?

UpperNwGuy wrote:
Sun Jul 14, 2019 8:43 pm
I don't recognize these tickers, and I'm sure others don't either. Would you please edit your post to include the names of the funds? Thank you.
Sorry.

VTMFX is Vanguard Tax-Managed Balanced Fund
VSMGX is Vanguard LifeStrategy Moderate Growth
VNYTX is Vanguard New York Long-Term Tax-Exempt
by BV3273
Sun Jul 14, 2019 8:29 pm
Forum: Personal Investments
Topic: VTMFX or VSMGX?
Replies: 25
Views: 1977

VTMFX or VSMGX?

I’m looking to use either one of these in my taxable account. Is there a pro or con for either of these? They look very similar at first glance. I’m probably also going to add some VNYTX as well

Thanks,
BV
by BV3273
Sun Jul 14, 2019 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Add a second job? Trader Joes, Home depot, ???
Replies: 38
Views: 5007

Re: Add a second job? Trader Joes, Home depot, ???

My part-time job is working on a fishing boat. I work one weekend day doing this. No benefits, but I can go fishing whenever I feel like it for free. Been doing it for 20 years. Not really work for me anymore. Much more like a day off. Of course it is only seasonal which isn’t ideal. I make enough t...