Search found 34 matches

by BogleTails
Wed Jan 23, 2019 11:11 pm
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 445
Views: 112014

Re: South Florida Local Chapter

Please add myself and my wife to the list. Thanks and looking forward to seeing everybody again.
by BogleTails
Sun Jun 17, 2018 10:38 am
Forum: Investing - Theory, News & General
Topic: Are Bogleheads smarter than the bond market?
Replies: 40
Views: 5056

Re: Are Bogleheads smarter than the bond market?

UpperNwGuy wrote:
Sun Jun 17, 2018 5:36 am
I'm sticking with my current mix of Total Bond and Intermediate-Term Tax-Exempt.
just curious, what's your mix? I'm mostly Intermediate-Term Tax-Exempt but was considering adding Total Bond in my taxable for diversification as my tax bracket dropped to 24%.

Thanks!
by BogleTails
Mon Jan 08, 2018 8:44 pm
Forum: Personal Investments
Topic: VWIUX vs VBTLX in 24% tax bracket
Replies: 23
Views: 5662

Re: VWIUX vs VBTLX in 24% tax bracket

I would assume this means you should expect the NAV of the fund to gradually decline and cancel out some of that distribution yield, and your total return should be close to the SEC yield. Thanks for the additional explanation on the difference and expected effect on the NAV. I think they're simila...
by BogleTails
Sun Jan 07, 2018 8:40 pm
Forum: Personal Investments
Topic: VWIUX vs VBTLX in 24% tax bracket
Replies: 23
Views: 5662

VWIUX vs VBTLX in 24% tax bracket

Hello fellow Bogleheads, I was hoping for a recommendation on exchanging or future contributions to my bonds in my taxable account. Currently, the majority of my bond allocation is in Vanguard Intermediate-Term Tax-Exempt Fund Admiral Shares (VWIUX) in my taxable account since I was previously in a ...
by BogleTails
Fri Oct 27, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Storing of important Information - account numbers, SSN, etc...
Replies: 21
Views: 1634

Re: Storing of important Information - account numbers, SSN, etc...

I use 1password on iOS and Mac.

https://agilebits.com/

Works great though I think they are moving to a subscription model which I don't like as much.

EDIT: still possible to buy single license here: https://agilebits.com/store
by BogleTails
Tue Oct 24, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Policy Analysis
Replies: 53
Views: 4226

Re: Whole Life Policy Analysis

I requested to start applying the dividends against the premium to reduce the annual cost; $367.82 in dividends this year. According to Mass Mutual there was never any taxable distributions in the past, and therefore no 1099s on dividends previously. I requested a quote on the tax implications of ca...
by BogleTails
Mon Oct 23, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Policy Analysis
Replies: 53
Views: 4226

Re: Whole Life Policy Analysis

Wow, thank you everyone for providing your input. I really appreciate the value of other's thoughts on this forum. In case no one else brought it up, I would instantly change the beneficiary to your wife I plan to make this change tomorrow. All financial considerations aside, if your parents bought ...
by BogleTails
Mon Oct 23, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Policy Analysis
Replies: 53
Views: 4226

Re: Whole Life Policy Analysis

Does your wife need the insurance? Or is she all set without it if you die untimely? She would be fine we believe as she makes a good professional salary and is in good health. I don't think the additional $50,000+ would make a significant change in her lifestyle. What other LI do you have other th...
by BogleTails
Mon Oct 23, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life Policy Analysis
Replies: 53
Views: 4226

Re: Whole Life Policy Analysis

lhl12 wrote:
Mon Oct 23, 2017 11:45 am
Who owns the policy presently? You? Your parents? a trust?

Who is the beneficiary of the policy? Your spouse? Your parents?
I own the policy, and the current beneficiaries are my parents and brother. Plan to change to my wife if I keep paying.
by BogleTails
Mon Oct 23, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life Policy Analysis
Replies: 53
Views: 4226

Re: Whole Life Policy Analysis

EHEngineer wrote:
Mon Oct 23, 2017 11:46 am
What was the cash value on the prior annual statement?
I can't find my 2016 statement at the moment, but here are prior year values:

2009 $6,520.06
2010 $7,337.39
2011 $8,197.18
2012 $9,114.79
2013 $10,091.85
2014 $11,132.14
2015 $12,239.20
by BogleTails
Mon Oct 23, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life Policy Analysis
Replies: 53
Views: 4226

Whole Life Policy Analysis

Hi fellow Bogleheads, I apologize for creating another Whole Life thread but reading through prior ones didn't allow me to decide what's best for my own situation. My parents started a whole life policy for me in 1996; they paid for many years, and I have been paying for the past decade or so. Mass ...
by BogleTails
Sun Sep 03, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 17856

Re: Florida Hurricanes: When and where to go?

Just bought a home built with poured concrete and steel and plan to stay put....in a relatively new house built with newer hurricane codes. I'm not on the immediate coast. Several people have said in this thread that they live in concrete houses and plan to ride out a storm. Did you see the picture...
by BogleTails
Sat Sep 02, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 17856

Re: Florida Hurricanes: When and where to go?

you can't outrun a Florida hurricane from South Florida. best plan is to have food, water, make sure you are not right on the coast, and that your home is up to code. Anything built after Hurricane Andrew in 1992 should be good construction wise, assuming your are living in a real concrete structure...
by BogleTails
Sat Feb 04, 2017 8:29 am
Forum: Investing - Theory, News & General
Topic: Anyone have a tilt portfolio similar to this
Replies: 22
Views: 3212

Re: Anyone have a tilt portfolio similar to this

in_reality wrote:
livesoft wrote:^That portfolio has a value tilt to foreign, too.

Where?
I think livesoft meant the last line to be small cap value foreign, like VSS.
by BogleTails
Mon Jan 30, 2017 3:01 am
Forum: Personal Consumer Issues
Topic: Preserving Old DVD Content
Replies: 20
Views: 3522

Re: Preserving Old DVD Content

Upload them to Google Photos for free. Always accessible to stream anytime.
by BogleTails
Wed Jan 25, 2017 2:40 pm
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 445
Views: 112014

Re: South Florida Local Chapter

Hi everyone, Thank you all for attending the other day! I was very happy to host our first Bogleheads meeting of 2017, and it seems like everyone had a great time. It was great to see everyone again, and meet so many new members too. Looking forward to next time, Best regards, Josh clevername, than...
by BogleTails
Mon Jan 23, 2017 1:33 pm
Forum: Personal Investments
Topic: 2017 Portfolio review - Advice welcome
Replies: 22
Views: 2211

Re: 2017 Portfolio review - Advice welcome

Go ahead pay that car off i know .9 not much but you are not making much off your cash with Ally :P Ally pays 1%, so paying off a 0.9% loan from a 1% investment is literally losing money. That was my thought, but I wasn't going to make waves :mrgreen: :mrgreen: Isn't your tax rate 30% (25% fed, 5% ...
by BogleTails
Mon Jan 09, 2017 10:28 am
Forum: Personal Investments
Topic: Quote from The Bogleheads' Guide to Investing on Small Caps
Replies: 11
Views: 2189

Re: Quote from The Bogleheads' Guide to Investing on Small Caps

I agree it's riskier and not a free lunch. I do tilt to small value in my portfolio. This year it paid off. But it is possible for it to not pay off for literally decades, if at all. Small value is something like 3% of the market. Don't overweight it too much. I see the percentage of SCV from 0 to ...
by BogleTails
Mon Jan 02, 2017 8:37 am
Forum: Personal Investments
Topic: What are your portfolio/investments?
Replies: 38
Views: 4235

Re: What are your portfolio/investments?

iceport wrote:It's easier to show this graphically with a quick snapshot of the spreadsheet:
nice spreadsheet design!
by BogleTails
Thu Dec 29, 2016 2:24 pm
Forum: Investing - Theory, News & General
Topic: All your eggs in one basket vs. concern about being hacked?
Replies: 41
Views: 9395

Re: All your eggs in one basket vs. concern about being hacked?

hirlaw wrote:Some brokerages/banks are making an exception to their fraud reimbursement policies in the case of a client's passwords being hacked from third party aggregators, such as Mint.
Do you mean an exception that it's OK to use mint or personal capital or not?
by BogleTails
Mon Dec 26, 2016 4:04 pm
Forum: Investing - Theory, News & General
Topic: 1 to 2 year periods of value or growth dominance
Replies: 26
Views: 2962

Re: 1 to 2 year periods of value or growth dominance

I've always bought into the ideal of value stocks. Yes my portfolio has done well this year, because of that tilt. But now isn't the time to rush out and buy into value. I had it when it wasn't cool. I'll have it in 10 years also. Merry Christmas to all, and to all a good day. So if you were planni...
by BogleTails
Sun Dec 25, 2016 8:06 pm
Forum: Investing - Theory, News & General
Topic: 1 to 2 year periods of value or growth dominance
Replies: 26
Views: 2962

Re: 1 to 2 year periods of value or growth dominance

I've always bought into the ideal of value stocks. Yes my portfolio has done well this year, because of that tilt. But now isn't the time to rush out and buy into value. I had it when it wasn't cool. I'll have it in 10 years also. Merry Christmas to all, and to all a good day. So if you were planni...
by BogleTails
Mon Dec 19, 2016 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: AMEX Blue Cash Everyday vs Preferred offers
Replies: 13
Views: 4622

Re: AMEX Blue Cash Everyday vs Preferred offers

dignan wrote:We have the Preferred card and was charged a $75 membership fee in November. Does this new fee start in 2017?
I was billed $95 for my December renewal. Considering switching to the no annual fee card
by BogleTails
Sat Dec 17, 2016 4:48 pm
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 445
Views: 112014

Re: South Florida Local Chapter

Miriam2 wrote: BogleTails + DW - welcome! you'll enjoy the meeting
Thanks, we are looking forward to it!
by BogleTails
Sun Dec 11, 2016 9:28 pm
Forum: US Chapters
Topic: South Florida Local Chapter
Replies: 445
Views: 112014

Re: South Florida Local Chapter

My wife and I are also interested in attending. Please add us to the list.

What is a typical meeting like? It will be our first time.
by BogleTails
Sat Dec 03, 2016 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should We Buy or Rent?
Replies: 49
Views: 6727

Re: Should We Buy or Rent?

I have read a number of articles over the last few months that seemed to point toward a slow down, or even a modest reversal, in rental price increases. Here is one such article: https://www.rentjungle.com/average-rent-in-san-francisco-rent-trends/ I left my rent-controlled $2000 per month Haight A...
by BogleTails
Fri Aug 26, 2016 10:28 am
Forum: Personal Investments
Topic: Need help Bogle'ing my portfolio
Replies: 16
Views: 2116

Re: Need help Bogle'ing my portfolio

With that much cash, I would pay off the student loans today. Then you can start investing the equivalent of the payments monthly. I know the interest rate is small. But you are looking for something to do with cash, and you can go ahead and pay yourself first. At only 1.875% interest, I was under ...
by BogleTails
Fri Aug 26, 2016 10:21 am
Forum: Personal Investments
Topic: Need help Bogle'ing my portfolio
Replies: 16
Views: 2116

Re: Need help Bogle'ing my portfolio

Why do you have his and hers taxable accounts? Do you like wisebanyan? How about consolidating all of the taxable accounts with wisebanyan? The separate taxable accounts were created due to our intent to limit liability in the case of a future judgement against one of us, mostly me as I have a high...
by BogleTails
Wed Aug 24, 2016 4:25 pm
Forum: Personal Investments
Topic: Need help Bogle'ing my portfolio
Replies: 16
Views: 2116

Re: Need help Bogle'ing my portfolio

livesoft, thank you for so much detailed information in your replies. I have started the selling of assets of my advisor taxable account and both WiseBanyan accounts, and started the transfers for the Roth IRA and more cash to the Vanguard taxable accounts all today. :) TDAmeritrade rejected my requ...
by BogleTails
Wed Aug 24, 2016 11:43 am
Forum: Personal Investments
Topic: Need help Bogle'ing my portfolio
Replies: 16
Views: 2116

Re: Need help Bogle'ing my portfolio

Well, it seems that you know what you gotta do, but are only asking for a kick in the pants to do it. Yes, we think you are right... definitely needed the push to get it done. :D I see elsewhere that US stocks are once again at all-time highs, so selling and reinvesting immediately is not going to ...
by BogleTails
Wed Aug 24, 2016 11:26 am
Forum: Personal Investments
Topic: Need help Bogle'ing my portfolio
Replies: 16
Views: 2116

Re: Need help Bogle'ing my portfolio

Not to go off topic but... Any reason you're keeping $100k as an emergency fund? I'm all for being conservative so you can sleep at night, but you might want to consider putting some of that money to better use. Generally you'll get the recommendation to save 3-6 months of living expenses as an eme...
by BogleTails
Wed Aug 24, 2016 11:22 am
Forum: Personal Investments
Topic: Need help Bogle'ing my portfolio
Replies: 16
Views: 2116

Re: Need help Bogle'ing my portfolio

The TDAmeritrade accounts seem like you would get free trades, so make sure you get free trades, then sell them. Move the cash to Vanguard and invest right away. Hi livesoft, I don't mean to hijack OPs thread but I am in similar situation and need to move some holdings from TDAmeritrade to Vanguard...
by BogleTails
Wed Aug 24, 2016 11:21 am
Forum: Personal Investments
Topic: Need help Bogle'ing my portfolio
Replies: 16
Views: 2116

Re: Need help Bogle'ing my portfolio

Why do you have his and hers taxable accounts? Do you like wisebanyan? How about consolidating all of the taxable accounts with wisebanyan? The separate taxable accounts were created due to our intent to limit liability in the case of a future judgement against one of us, mostly me as I have a high...
by BogleTails
Tue Aug 23, 2016 10:07 pm
Forum: Personal Investments
Topic: Need help Bogle'ing my portfolio
Replies: 16
Views: 2116

Need help Bogle'ing my portfolio

First time poster, but thankful for all the prior feedback others have been given in the past as it has been helpful to read through. Finally trying to manage our finances and retirement better by reading the Bogleheads book and wanted to get more specific advise. We have been trying to save for our...