Search found 10074 matches

by letsgobobby
Sun May 28, 2017 11:26 pm
Forum: Investing - Theory, News & General
Topic: DON'T pay off your mortgage; instead reduce Sequence of Return Risk
Replies: 101
Views: 7304

Re: DON'T pay off your mortgage; instead reduce Sequence of Return Risk

And considering that my mortgage rate is 3.375%, it makes no sense to invest a penny in bonds apart from a desire for additional liquidity, which I do not have. Of course it does. You should be buying EE bonds. You would earn more than your mortgage, risk free, and you say you have no desire for li...
by letsgobobby
Sun May 28, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: i just changed all my passwords
Replies: 30
Views: 3108

Re: i just changed all my passwords

I try to do it about every 6 months. You almost certainly are wasting your time, considering your passwords are long and unique. If they are also complex, then you ARE certainly wasting your time. There are numerous websites that will run you through the mathematics of how nearly impossible it is f...
by letsgobobby
Sun May 28, 2017 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Voyager Select vs Flagship
Replies: 23
Views: 2806

Re: Voyager Select vs Flagship

flagship doesn't offer much value to a buy and hold index investor. neither the free trades nor the closed funds hold appeal.

now what would be nice would be the return of some Saturday hours. but you don't get that with flagship, nor even flagship select, as far as I can tell.
by letsgobobby
Sat May 27, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 50
Views: 3675

Re: Mexican Pacific Beaches

we also enjoyed puerto vallarta, which has a beautiful bay, interesting history, good food, and a local vibe that was very pleasant. It was however quite windy when we were there. Not sure if that is typical.
by letsgobobby
Sat May 27, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: i just changed all my passwords
Replies: 30
Views: 3108

Re: i just changed all my passwords

changing passwords reduces the chance that an undisclosed breach will lead to unauthorized activity while you are still in the dark. You can change passwords more often, probably not a bad idea to do it more often than I do, but 6 months was my compromise between security and sanity. It took about 1...
by letsgobobby
Sat May 27, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: EE and I Bonds
Replies: 26
Views: 2217

Re: EE and I Bonds

Could someone clarify, is it possible to buy $10,000 per calendar year of I Bonds AND EE bonds for a total of 20k per year? Yes, you can buy $10k each. Your spouse can also buy $10k each. Also, if we are 20 or so years away from retirement, are EE bonds a wise choice to supplement an early retireme...
by letsgobobby
Sat May 27, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: i just changed all my passwords
Replies: 30
Views: 3108

i just changed all my passwords

I try to do it about every 6 months. It's pretty quick now that I use a password manager (Dashlane in my case, though I'm sure they all make it easy). All my passwords are at least 20 characters (unless prohibited) and include upper and lower case, symbols, and numbers. Using a password manager mean...
by letsgobobby
Fri May 26, 2017 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: How would you invest $50k in 529 with 11 years to College?
Replies: 27
Views: 1995

Re: How would you invest $50k in 529 with 11 years to College?

Even if you are in the top income bracket your only looking at a 15% tax savings versus investing in a taxable account. Even on $100k earnings that's only $15k tax savings over a 18-22 year investing period. It helps but it isn't going to by the magic pill to pay for college. How did you calculate ...
by letsgobobby
Fri May 26, 2017 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for advice/reassurance on what to do with $4-5m
Replies: 63
Views: 5349

Re: Looking for advice/reassurance on what to do with $4-5m

you're highly leveraged to real estate, so I'd skip the REITS in your personal holdings, plus they are not tax efficient in taxable. As others have said, a conservative approach for your liquid investments makes the most sense. something like 40% muni bonds, 30% international stocks, 30% domestic st...
by letsgobobby
Fri May 26, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Quickest Path to Financial Independence
Replies: 27
Views: 4152

Re: Quickest Path to Financial Independence

Dear friends in investing, Let me quickly explain my situation: SITUATION: I am in my mid-thirties. I am a freelance artist. GOAL: Generating anywhere between $50,000 to $100,000 annually in investment income. I would like to reach this goal as soon as possible so I don't have to worry where my nex...
by letsgobobby
Fri May 26, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 50
Views: 3675

Re: Mexican Pacific Beaches

no one has mentioned zihuatanejo, which is quite idyllic. next to ixtapa if you want a more touristy center. I've also heard good things about loreto, which is very small.
by letsgobobby
Thu May 25, 2017 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: How would you invest $50k in 529 with 11 years to College?
Replies: 27
Views: 1995

Re: How would you invest $50k in 529 with 11 years to College?

college savings is hard. The inflation rate is higher, the time frame is shorter. We've been 100% stocks with a value, small, EM, and international tilt since birth. Our kids are now 7 and 10. However, we have a high ability to take risk - we can easily cash flow college if the 529s take a hit. We a...
by letsgobobby
Thu May 25, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: California probate - DIY?
Replies: 7
Views: 713

Re: California probate - DIY?

I'm going to buy the book and take a look-see. Small investment.
by letsgobobby
Wed May 24, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: California probate - DIY?
Replies: 7
Views: 713

Re: California probate - DIY?

Globalviewer58 wrote:Add the CA real estate to the list of assets in your parents' Revocable Living Trust. Update title on the CA real estate to show it is held by the Living Trust. This avoids probate.

We tried to do that before my parents died but unfurtunately we ran out of time.
by letsgobobby
Wed May 24, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: California probate - DIY?
Replies: 7
Views: 713

California probate - DIY?

My parents owned a 50% interest in a duplex in CA. That is their only CA property. Their share is valued at $240k, based on the sales price in January. The CA probate attorney fees, set by statute, would be approximately $7500 to probate this. I could shop around and find a lower fee. Alternatively,...
by letsgobobby
Tue May 23, 2017 12:13 am
Forum: Investing - Help with Personal Investments
Topic: Risk vs. Reward analysis on contributing to 529 when child is hypothetical
Replies: 16
Views: 922

Re: Risk vs. Reward analysis on contributing to 529 when child is hypothetical

probably not the end of the world to have to file a return and count it towards the lifetime exclusion Just did some more reading about Gift Taxes. Sorry, I only started working full-time 1 year ago, so I am not aware of some concepts that seem like common sense to the average Boglehead :) Sounds l...
by letsgobobby
Mon May 22, 2017 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth is overrated
Replies: 76
Views: 8902

Re: Net worth is overrated

Every specific financial planning purpose would require some other dollar number computed in some other way than "net worth." When you die, the IRS and your state tax agency care very much about your net worth. If you don't believe it, try dying with more than $5.5 million (individual) an...
by letsgobobby
Mon May 22, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Net worth is overrated
Replies: 76
Views: 8902

Re: Net worth is overrated

it matters a lot for estate planning.
by letsgobobby
Mon May 22, 2017 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Risk vs. Reward analysis on contributing to 529 when child is hypothetical
Replies: 16
Views: 922

Re: Risk vs. Reward analysis on contributing to 529 when child is hypothetical

Pub 970 claims that "There are no income tax consequences if the designated beneficiary of an account is changed to a member of the beneficiary's family". But other sources disagree. This thread says that changing the beneficiary from myself to a child triggers a gift tax: https://www.bog...
by letsgobobby
Sun May 21, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Risk vs. Reward analysis on contributing to 529 when child is hypothetical
Replies: 16
Views: 922

Re: Risk vs. Reward analysis on contributing to 529 when child is hypothetical

You didn't say it but are you maxing all possible retirement accounts? Of course, this is only a question of what to do with extra money after maxing 401k, IRA, HSA, and enough in taxable for a home downpayment. Another question is, I heard you have to pay gift tax if you contribute more than 14k p...
by letsgobobby
Sun May 21, 2017 1:11 pm
Forum: Investing - Theory, News & General
Topic: Milestone and not peeking. . .
Replies: 57
Views: 5768

Re: Milestone and not peeking. . .

Congrats. For the record though I am not a fan of the no peeking guideline. If Vanguard or whomever screws up, well bad news does not get better with age so I want to know about it ASAP. I think peeking frequently is a good idea. I peek every couple weeks. It gives me direction about how to allocat...
by letsgobobby
Fri May 19, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: How Best to Give?
Replies: 8
Views: 653

Re: How Best to Give?

re: your last comment, setting up a DAF is best done with highly appreciated securities. The advantage of doing so has little to do with current income other than the tax deduction of the contribution, but you don't itemize so that doesn't seem relevant. I'm not sure why you linked setting up a DAF...
by letsgobobby
Fri May 19, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Few days in Portland in July
Replies: 36
Views: 2227

Re: Few days in Portland in July

iamlucky13 wrote:
The Japanese gardens are definitely very nice, but I wouldn't call them a must see attraction of Portland.



The Japanese Garden was recently renovated and is considered one of the best in the world outside Japan. Not for everyone, but a noteworthy site. It was good even before the renovation.
by letsgobobby
Fri May 19, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: How Best to Give?
Replies: 8
Views: 653

Re: How Best to Give?

You don't itemize so the only concern from your standpoint is really how much, and how your gifts impact your cash flow. From the charity's standpoint, a regular, dependable contribution is more valuable than an unplanned for lump sum. They have to manage their cash flow, too. re: Amazon, ask the ch...
by letsgobobby
Fri May 19, 2017 6:27 am
Forum: Investing - Theory, News & General
Topic: Milestone and not peeking. . .
Replies: 57
Views: 5768

Re: Milestone and not peeking. . .

Congrats. For the record though I am not a fan of the no peeking guideline. If Vanguard or whomever screws up, well bad news does not get better with age so I want to know about it ASAP. I can peek at my transaction history without neurotically monitoring my total portfolio balances. It helps that ...
by letsgobobby
Thu May 18, 2017 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Is it better to stay at 19 or 24 paychecks per year?
Replies: 18
Views: 1601

Re: Is it better to stay at 19 or 24 paychecks per year?

I prefer 12 paychecks but my employer doesn't offer it.

I have no idea the significance of 19.
by letsgobobby
Thu May 18, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: How to dispose of household effects (estate sale?)
Replies: 21
Views: 2662

Re: How to dispose of household effects (estate sale?)

Charity, They can haul it all away and you don't have to deal with it. Life is too short in my opinion to go to the effort and attempt to make profit off the possessions of a dead person. I do not mean that in a cruel way. I would just want to be done with it. Who would receive the charitable deduc...
by letsgobobby
Thu May 18, 2017 12:31 am
Forum: Personal Consumer Issues
Topic: Reasonable Cost / Estate Planning Ideas
Replies: 6
Views: 618

Re: Reasonable Cost / Estate Planning Ideas

Hello - Some advice on a prior thread I posted has lead me to estate planning. I contacted an attorney via a search on my state bar association website. I scheduled a conference call and we held it today. He has years of experience in estate planning. I do not like to waste anyone's valuable time, ...
by letsgobobby
Wed May 17, 2017 9:58 am
Forum: Investing - Theory, News & General
Topic: BofA HSA dropping Vanguard Funds
Replies: 64
Views: 7123

Re: BofA HSA dropping Vanguard Funds

Don't know if there was a typo, but this post says that ER of BDOKX used to be 1.2%! h https://www.bogleheads.org/forum/viewtopic.php?t=162233 I've been willing to attribute the underpermance to the higher ER. now that it is lower I expect the performance to improve. Perhaps that was the gross expe...
by letsgobobby
Wed May 17, 2017 9:08 am
Forum: Investing - Theory, News & General
Topic: BofA HSA dropping Vanguard Funds
Replies: 64
Views: 7123

Re: BofA HSA dropping Vanguard Funds

indexfundfan wrote:Don't know if there was a typo, but this post says that ER of BDOKX used to be 1.2%!
h
viewtopic.php?t=162233

I've been willing to attribute the underpermance to the higher ER. now that it is lower I expect the performance to improve.
by letsgobobby
Wed May 17, 2017 8:35 am
Forum: Investing - Help with Personal Investments
Topic: What if I have enough money?
Replies: 22
Views: 4225

Re: What if I have enough money?

I was going to suggest a SPIA in your future, but you don't even want to let your current available annuity (SS) increase to provide more COLA'd income for the rest of your life. I would "buy" the huge increase in SS first for more guaranteed lifetime income. It is a great pension that is...
by letsgobobby
Tue May 16, 2017 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help investing inheritance
Replies: 12
Views: 904

Re: Help investing inheritance

The only debt I have is school loans of about 35k. The advisor had said to keep paying it off each month instead of entirely since it's not effecting how I save or spend. And the interest on it isn't high. Thanks! or maybe he advised that because it meant $35k more in assets for him to manage. how ...
by letsgobobby
Mon May 15, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Few days in Portland in July
Replies: 36
Views: 2227

Re: Few days in Portland in July

since everyone else already covered the nice cultural things to do, let me say: do not go to voodoo doughnuts. don't be that tourist :mrgreen: but do go to Blue Star donuts. There's now one at PDX, open relatively late, so you don't even have to stand in a long line. Renovated Japanese Garden brewe...
by letsgobobby
Sun May 14, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: Few days in Portland in July
Replies: 36
Views: 2227

Re: Few days in Portland in July

last weekend in Juy is the craft brew festival, big and crowded. will impact restaurant seating, etc. make reservations.
by letsgobobby
Sun May 14, 2017 12:53 pm
Forum: Investing - Theory, News & General
Topic: Home Country Bias...makes sense?
Replies: 235
Views: 8339

Re: Home Country Bias...makes sense?

Someone will probably jump in and say that I'm ignoring the countries that outperformed the U.S. from 1900-2016 (i.e. Australia and South Africa). But in comparison to total market cap, they are tiny slivers of the market, whereas the U.S. is 53% of the global market. Just as we saw in 2008-2009, i...
by letsgobobby
Sun May 14, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else dial down retirement savings?
Replies: 32
Views: 5065

Re: Anyone else dial down retirement savings?

are there some numbers between 0 and 45,000?
by letsgobobby
Sat May 13, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: best genealogy test for geographic origin
Replies: 9
Views: 784

Re: best genealogy test for geographic origin

Cantonese to Hawaii in the late 1800s; and Ash Jew supposedly from Belarus about the same time.
by letsgobobby
Sat May 13, 2017 4:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship Select?
Replies: 16
Views: 3220

Re: Vanguard Flagship Select?

For a Boglehead, there is very little in real benefits between Flagship and Flagship select. VG recently reduced the AUM for this level from 10M to 5M. However, the lower expense ratios apply to a fund total, not your account total. So, if you have a diversified portfolio like me, you would need 5M...
by letsgobobby
Sat May 13, 2017 3:21 pm
Forum: Investing - Theory, News & General
Topic: Home Country Bias...makes sense?
Replies: 235
Views: 8339

Re: Home Country Bias...makes sense?

some people believe they can predict the future and they should invest accordingly. I don't know why those folks buy anything other than the next Apple; why waste their time with S&P500 indexes and all the 499 stocks that won't be the best performer over the next 50 years? Internally consistent ...
by letsgobobby
Sat May 13, 2017 3:00 pm
Forum: Investing - Theory, News & General
Topic: Home Country Bias...makes sense?
Replies: 235
Views: 8339

Re: Home Country Bias...makes sense?

The one thing that concerns me the most about investing outside the US and Europe is insider trading and the like. Enough shenanigans go on in the US where we have really good watchdogs. How good is enforcement in Asia and developing countries? They are very lax on intellectual property rights, and...
by letsgobobby
Sat May 13, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: best genealogy test for geographic origin
Replies: 9
Views: 784

Re: best genealogy test for geographic origin

It would also help if you are more specific about your desired goal. Are you looking to trace one line of your tree or the average across all the branches? as much detail as possible regarding the geographic origins of maternal and paternal blood lines. The ethnic origins are fairly clear. And to k...
by letsgobobby
Sat May 13, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: recent widow needs help with life insurance payout options
Replies: 44
Views: 2903

Re: recent widow needs help with life insurance payout options

I would assume the insurance company is not going to press her to take the lump sum. In fact some insurance companies make the 'default' that they keep the funds until requested by the beneficiary. Therefore the OP can take her time, research her options - and then decide. I agree though, I would re...
by letsgobobby
Sat May 13, 2017 1:57 pm
Forum: Investing - Theory, News & General
Topic: Home Country Bias...makes sense?
Replies: 235
Views: 8339

Re: Home Country Bias...makes sense?

I'm about 95% U.S., though I would like to own more international SC. It isn't in my 401k, so I only access it currently through my IRA. Considering that over the last 45 years, the U.S. market has earned over 3% more than the rest of the world, I'm not interested in owning the global ex-U.S. marke...
by letsgobobby
Sat May 13, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: recent widow needs help with life insurance payout options
Replies: 44
Views: 2903

Re: recent widow needs help with life insurance payout options

option 2 isn't really an annuity because the principal may be withdrawn at any time. it's more like an interest bearing savings account, though not fdic insured.
by letsgobobby
Sat May 13, 2017 12:28 pm
Forum: Investing - Theory, News & General
Topic: Home Country Bias...makes sense?
Replies: 235
Views: 8339

Re: Home Country Bias...makes sense?

I feel like most of the above concerns are typically reflected in market prices of assets. that is, everyone knows accounting standards in Pakistan and Ecuador and Algeria and the US may be different, and asset prices already reflect that knowledge. the few issues that are not addressed by asset pri...
by letsgobobby
Sat May 13, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: "simultaneous death" of IRA owner and spousal beneficiary
Replies: 13
Views: 1229

Re: "simultaneous death" of IRA owner and spousal beneficiary

this is concerning. it appears years of planning could be for naught if the surviving spouse does not have the opportunity to retitle inherited accounts. having these accounts settle by probate would be disastrous, and I believe we would lose the stretch as well? does the IRS not provide some kind o...
by letsgobobby
Sat May 13, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: "simultaneous death" of IRA owner and spousal beneficiary
Replies: 13
Views: 1229

"simultaneous death" of IRA owner and spousal beneficiary

Say my father has an IRA, and mom is beneficiary. They both die simultaneously, or within a few days or weeks of each other - important point being, the survivor does not have any opportunity to do anything with the inherited account. What are the implications to the secondary beneficiaries with res...
by letsgobobby
Sat May 13, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: best genealogy test for geographic origin
Replies: 9
Views: 784

best genealogy test for geographic origin

there is a good long thread about 'geneaology tests' but I am hoping to identify the best test or combination of tests for finding the most detailed information possible about the geographic orgins of one's ancestors, going back 100-300 years. By detailed I mean, for instance, a specific region of C...
by letsgobobby
Fri May 12, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: Do I have a problem in the backyard in need of a professional?
Replies: 31
Views: 3341

Re: Do I have a problem in the backyard in need of a professional?

our mole holes look nothing like that. ours are flatter and wider with a more uniform texture. Of course that could have something to do with your soil vs ours, but all the mole holes around here look exactly the same, which is to say - not like yours.

Go to advanced search