Search found 4715 matches

by BolderBoy
Fri May 29, 2020 11:34 am
Forum: Personal Finance (Not Investing)
Topic: How often do you change passwords on your investment accounts?
Replies: 42
Views: 2660

Re: How often do you change passwords on your investment accounts?

That's why I use KeePassXC to generate, encrypt, and save passwords. It's so easy and convenient to have a different secure password for everything. KeePassXC is free, open source, and available for Linux, MacOS, and Windows. So I'm covered on any platform. Thanks for posting this! I'm a long-time ...
by BolderBoy
Tue May 26, 2020 4:46 pm
Forum: Personal Investments
Topic: 90% VTSAX?
Replies: 15
Views: 2055

Re: 90% VTSAX?

zeldak wrote:
Tue May 26, 2020 12:35 pm
Desired Asset allocation: 90% stocks / 5% bonds / 5% cash
Based on the info you've provided, you don't need to take on the risk of a 90% equity asset allocation.
by BolderBoy
Tue May 26, 2020 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Career advice for science PhD student
Replies: 55
Views: 4194

Re: Career advice for science PhD student

Jng2020 wrote:
Tue May 26, 2020 5:56 am
... afterwards apply to CRNA NURSE ANESTHESIA , you will be very successful after, salary is well and you will always have a job...
Until the pandemic this was true. Lots of CRNAs were furloughed (or outright laid off) when elective surgeries were curtailed. Hopefully it is just temporary.
by BolderBoy
Mon May 25, 2020 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Laid Off- New Job Offer Advice!
Replies: 19
Views: 2028

Re: Laid Off- New Job Offer Advice!

eer_no_evil wrote:
Sun May 24, 2020 8:42 pm
If you were in my shoes, what would you do? Any advice is greatly appreciated!
1) what line of work?
2) length of time from being laid off until you got this job offer?

Depending on the answers to 1 & 2, I'm not sure I'd jump immediately on this offer.
by BolderBoy
Mon May 25, 2020 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed regarding debt
Replies: 42
Views: 3242

Re: Advice Needed regarding debt

She needs a 2nd job. Medical offices are daytime hours, so she could be waiting tables or making pizzas a few nights a week and on weekends. Every cent that 2nd job brings in should go to paying off debts. +1. I don't see any viable solution that doesn't include a 2nd job + the motivation to pay of...
by BolderBoy
Fri May 22, 2020 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 365
Views: 28072

Re: The axe falls and I am prepared. What's next?

KlangFool wrote:
Fri May 22, 2020 6:17 pm
E) 1.35 to 1.4 million 60/40 portfolio
I think you'll do okay if you "retire" and simply take on contract work from home, if it comes you way.

One thing I think you should do is gradually drop your AA -> 40/60 (or even 30/70).
by BolderBoy
Thu May 21, 2020 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: New job opportunity .. would you take and how to negotiate and invest
Replies: 9
Views: 1295

Re: New job opportunity .. would you take and how to negotiate and invest

joetro29 wrote:
Wed May 20, 2020 10:20 pm
... lives in Texas.

22% state tax...
???
by BolderBoy
Wed May 20, 2020 9:28 am
Forum: Personal Consumer Issues
Topic: Buying tires for 2017 Subaru Outback
Replies: 29
Views: 1663

Re: Buying tires for 2017 Subaru Outback

bloom2708 wrote:
Wed May 20, 2020 9:16 am
I'd pick a Cooper or Toyo before those listed.
I second the Cooper suggestion (never heard of Toyo).
by BolderBoy
Tue May 19, 2020 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations: Marriage in your 50s/60s
Replies: 23
Views: 1839

Re: Financial Considerations: Marriage in your 50s/60s

DVMResident wrote:
Tue May 19, 2020 1:22 pm
Because you both have extensive assets, a prenup would be wise.
+1. This!
by BolderBoy
Tue May 19, 2020 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Request Guidance on making a 2021 or 2022 QCD
Replies: 3
Views: 136

Re: Request Guidance on making a 2021 or 2022 QCD

- I do not have a traditional IRA account. Question: how do I best execute this QCD? Should I establish an IRA account, transfer the QCD amount from the TSP to the IRA, and then have the IRA custodian transfer the QCD to the eligible charity? My understanding from previous postings about QCDs is th...
by BolderBoy
Mon May 18, 2020 7:44 pm
Forum: Personal Investments
Topic: Did I choose wrong index and allocations?
Replies: 19
Views: 2063

Re: Did I choose wrong index and allocations?

Age: 55 Desired Asset allocation: 80% stocks / 20% bonds —-for better possible returns since I don't have much. I know you didn't ask for opinions about this but at age 55, 80% stocks is waaaaaay too aggressive. And for the wrong reason, too, "for better possible returns". Do a Google search for "t...
by BolderBoy
Mon May 18, 2020 7:36 pm
Forum: Personal Investments
Topic: Bonds or precious metals?
Replies: 28
Views: 1262

Re: Bonds or precious metals?

... I can’t understand bonds for the life of me. I get that they are essentially loans, but past that I don’t really understand their function in a portfolio. I'm not a bond expert. The purpose of bonds in a portfolio is to mitigate portfolio volatility . If they provide interest income, so much th...
by BolderBoy
Sun May 17, 2020 10:41 am
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 3986

Re: Dual citizen, USA passport expiring, how to travel internationally

As per the USA State Department website, because he was under 18 when the last USA passport was issued, he cannot renew by mail. However, he can submit the paperwork, fees, & photos to a Passport Acceptance Facility. There are several near him. Do this right away (like tomorrow). Cross fingers and ...
by BolderBoy
Sat May 16, 2020 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Invest or pay down mortgage
Replies: 7
Views: 744

Re: Invest or pay down mortgage

I would like some advice on what to do with extra cash at this time. I have about 25-30k in addition to my emergency fund and after maxing out all my retirement accounts to include a 401k and Roth IRA. My question is should I invest in the stock market through a taxable account or make additional p...
by BolderBoy
Sat May 16, 2020 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Form 5500-EZ Privacy Questions
Replies: 11
Views: 489

Re: Form 5500-EZ Privacy Questions

The IRS has announced that Form 5500-EZ can now be filed online and that information from one-participant plans filed online will not be available to the public on the DOL website. Nonetheless, the 2019 Form 5500-EZ instructions state, "Information filed on Form 5500-EZ and Form 5500-SF is required...
by BolderBoy
Sat May 09, 2020 6:22 pm
Forum: Personal Investments
Topic: Should I change my "aggressive" 401k to a 2 fund investment?
Replies: 20
Views: 1194

Re: Should I change my "aggressive" 401k to a 2 fund investment?

rterickson wrote:
Sat May 09, 2020 4:18 pm
Bonds are usually held for stability/wealth protection rather than for appreciation. Stocks build wealth, bonds help you keep it.
+1. Well stated purpose of bonds (or more generally, 'fixed-income') in a portfolio.
by BolderBoy
Wed May 06, 2020 9:33 pm
Forum: Personal Investments
Topic: How do I get out of home a partnership agreement?
Replies: 42
Views: 3028

Re: How do I get out of home a partnership agreement?

SteadyOne wrote:
Wed May 06, 2020 8:33 pm
Or if you rent out your part of this house to a tenant and collect rent.
This is very clever. Tell your brother you'll be renting out your share of the house and see what he says about that?
by BolderBoy
Tue May 05, 2020 10:03 pm
Forum: Personal Investments
Topic: Close to retirement and don't know what to do
Replies: 33
Views: 4052

Re: Close to retirement and don't know what to do

I am thinking of pulling everything out and putting it in something very safe because of the current state of affairs in our country. Any advice as to whether you think this is a mistake or not? Safety is a relative term. If you do this (such as moving entirely to cash), your nest egg may not keep ...
by BolderBoy
Thu Apr 30, 2020 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Free Online MBA Worth It?
Replies: 22
Views: 1471

Re: Free Online MBA Worth It?

Patzer wrote:
Thu Apr 30, 2020 11:33 am
So, the question is... is a free Online MBA worth it.
Just for the credential, I don't know. If you will actually learn things that you don't know now, then yeah, I'd do it.
by BolderBoy
Tue Apr 28, 2020 11:35 am
Forum: Personal Investments
Topic: how to go around ATM daily limit to withdraw cash for emergency
Replies: 25
Views: 2607

Re: how to go around ATM daily limit to withdraw cash for emergency

No need to open an account with a brick-and-mortar bank or pay any fees. Walk into any bank or credit union and ask them to do a cash advance against your Visa/Mastercard. Your only limit will be your daily purchase limit. I've done this numerous times. Never paid a fee. Can you explain a bit more ...
by BolderBoy
Mon Apr 20, 2020 7:10 pm
Forum: Investing - Theory, News & General
Topic: Why do I have Vanguard Tax-Exempt funds?
Replies: 27
Views: 3053

Re: Why do I have Vanguard Tax-Exempt funds?

In retrospect, I think this has been a wasted investment. Or, am I missing something? I think you are missing something - that the purpose of bond funds (even munis) is to mitigate portfolio volatility. That bond funds provide ongoing interest payments is a bonus. I'm in the 12% bracket and have a ...
by BolderBoy
Mon Apr 20, 2020 6:40 pm
Forum: Personal Investments
Topic: Finally Moving Away From Municipals - Alternatives
Replies: 15
Views: 1599

Re: Finally Moving Away From Municipals - Alternatives

itgeek wrote:
Mon Apr 20, 2020 11:20 am
... I am moving away all of the municipal holdings in taxable account ($4mm in Intermediate/Short Term National Muni Index Fund) to "safer" alternatives.
With congress's commitment to shoring up the municipal bond market is this really necessary? I have a lot in munis and no plans to run.
by BolderBoy
Mon Apr 20, 2020 4:15 pm
Forum: Personal Consumer Issues
Topic: How to do temporary USPS Mail forwarding without address getting updated to credit bureaus.
Replies: 19
Views: 1567

Re: How to do temporary USPS Mail forwarding without address getting updated to credit bureaus.

mschurner wrote:
Mon Apr 20, 2020 12:05 pm
What are my options to sort out the mail for this two months? I need Bogleheads suggestions.
For $1/month the USPS will temporarily forward your mail to another address for a maximum of 6 months. Many snowbirds use this service.
by BolderBoy
Wed Apr 15, 2020 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Advice - Anesthesiologist threatening collections
Replies: 59
Views: 5928

Re: Advice - Anesthesiologist threatening collections

brodyhill wrote:
Wed Apr 15, 2020 5:53 am
I just got a letter today that the anesthesia company is threatening a last warning before sending me to collections for the full cost of the anesthesia... $4,500.
Gracious. I need to un-retire and start practicing anesthesia again.
by BolderBoy
Mon Apr 06, 2020 7:52 pm
Forum: Personal Investments
Topic: [Panicked and moved to cash. What to do next?]
Replies: 106
Views: 12523

Re: [Panicked and moved to cash. What to do next?]

-what do I do now? 37 yo male, about 1M in investments between roth, 401K, taxable accounts, 529s. All in cash. I do have a 7-8 month emergency fund in addition. Do I just lump sum it all back in? Do 5 percent a day? For the record I used to see posts like this and think the poster was so foolish. ...
by BolderBoy
Wed Apr 01, 2020 8:44 pm
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 108
Views: 8758

Re: Did you move for better weather? Did you regret it?

From age 16-29 I was tied to the East Coast. Learned to loathe 1) humidity + heat, 2) bugs!!! 2) gray, overcast winters (& ice storms), 3) hoards of people and 4) hurricane threats. First trip to Colorado (in June) for job interview my wife commented (upon exiting the shower), "Hey, I'm actually get...
by BolderBoy
Wed Apr 01, 2020 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritors Need to Open an EJ Account to Access Inheritance?
Replies: 25
Views: 2069

Re: Inheritors Need to Open an EJ Account to Access Inheritance?

My question is, do you see any reason why they may need to open EJ accounts to gain access to their inheritance? This was the procedure for my sister when she inherited my mom's Vanguard TOD account. VG opened a new account in my sister's name. She then transferred the money and closed the account ...
by BolderBoy
Mon Mar 30, 2020 4:39 pm
Forum: Personal Investments
Topic: New to bogleheads, please review my portfolio
Replies: 6
Views: 471

Re: New to bogleheads, please review my portfolio

stokeworthington wrote:
Mon Mar 30, 2020 2:09 pm
Emergency funds: I don’t have designated emergency funds or really know exactly what this means, but I could live comfortably for over year without a job.

'
'
'
Acct: Credit Union Savings Account
~50000
That is your emergency fund.
by BolderBoy
Sun Mar 29, 2020 12:11 pm
Forum: Personal Investments
Topic: Any high bracket investors dumping munis?
Replies: 127
Views: 9388

Re: Any high bracket investors dumping munis?

I had approx 300k in muni funds (VWLTX and VWITX) and sold them all a few weeks ago for the reasons you mentioned. I learned in the 2008/2009 crisis that muni prices can decrease a lot in times like these. I disagree with the thrust of this. If you go to Morningstar and do a chart of the 2006-2010 ...
by BolderBoy
Fri Mar 27, 2020 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Donations or QCD?
Replies: 5
Views: 241

Re: Donations or QCD?

Since RMDs have apparently been suspended, which is the best way to make a donation? I can either make a QCD, or donate from my taxable account. I will not have enough deductions to itemize either way. Since a QCD is an "above the line" deduction I would think this would be the most tax-efficient w...
by BolderBoy
Sun Mar 22, 2020 10:07 pm
Forum: Personal Investments
Topic: 3 fund portfolio: Does it matter where I put international?
Replies: 3
Views: 311

Re: 3 fund portfolio: Does it matter where I put international?

I think the experts (I'm not one) say to put international stock fund in non-retirement account to take advantage of foreign tax deduction on your 1040.
by BolderBoy
Sun Mar 22, 2020 10:02 pm
Forum: Personal Investments
Topic: Recently retired, should I protect equity and sell?
Replies: 20
Views: 2282

Re: Recently retired, should I protect equity and sell?

I'm curious as to what you folks that know much more than me would do based on my age and the other data. I won't claim to know anything. (Mr Bogle repeatedly said, "Nobody knows nothin'!". Two things: 1) You should stand fast. 2) When this market rout is over, consider changing your AA to 30/70. Y...
by BolderBoy
Sun Mar 22, 2020 9:54 pm
Forum: Personal Investments
Topic: Portfolio Review: Post-Divorce Investing (During a pandemic)
Replies: 17
Views: 1619

Re: Post Divorce Asset Investing (during a pandemic)

Possible steps you can take right now and going forward: 1. Do nothing. For the moment, you are in transition but stable This. How much are your expenses (per month or per year)? You have an emergency fund of $300k in cash so you can afford to take a breath. Remember that if you sell things now you...
by BolderBoy
Sun Mar 22, 2020 4:36 pm
Forum: Investing - Theory, News & General
Topic: It's Not Different This Time
Replies: 348
Views: 31219

Re: It's Not Different This Time

drk wrote:
Sun Mar 22, 2020 2:02 pm
whodidntante wrote:
Sun Mar 22, 2020 1:13 pm
Jim, has this crisis made you question your large allocation to munis yet?
I'm curious about this, too.
I'm not Jim but I have a large allocation to munis and am not changing a thing.
by BolderBoy
Sun Mar 22, 2020 12:34 pm
Forum: Personal Investments
Topic: Now 80 years old and lost 5%
Replies: 7
Views: 1779

Re: Now 80 years old and lost 5%

duffydog wrote:
Sun Mar 22, 2020 10:01 am
A question that concerns me is how safe are Vanguard's Money Market Funds during these trying times?
Pretty safe.

I agree with the others - you financially planned very well. Bravo!
by BolderBoy
Sun Mar 22, 2020 12:05 pm
Forum: Personal Investments
Topic: Should I stay or Should I go ? Retirement Now or as once Planned
Replies: 16
Views: 1776

Re: Should I stay or Should I go ? Retirement Now or as once Planned

Either of those dates were acceptable and primarily depending on ESOP projections and ability to tolerate, the job as I am a bit burned out. I think you can retire now or at anytime you want going forward and I would arrange that to happen so the best result with the ESOP occurs. My take on "a bit ...
by BolderBoy
Sun Mar 22, 2020 11:51 am
Forum: Personal Investments
Topic: Am I timing the market?
Replies: 34
Views: 1840

Re: Am I timing the market?

tomwood wrote:
Sat Mar 21, 2020 11:19 pm
... or is that a market timing error similar to what one might be making who’s selling low in recent days?
Probably not market timing. Classic market timing is jumping in/out of cash based on market direction guesses. Doesn't sound like you are doing that.
by BolderBoy
Sun Mar 22, 2020 11:47 am
Forum: Personal Investments
Topic: Get out now or ride it out?
Replies: 85
Views: 7030

Re: Get out now or ride it out?

59 years old with plans to retire in 6-8 years. My portfolio is in a 60/40 stock/bond mix. IMO, if you are thinking of "getting out" it means that your AA isn't correct for you. So I recommend two things: 1) ride this out and 2) once things settle down change your AA to something more akin to your ...
by BolderBoy
Sat Mar 21, 2020 3:18 pm
Forum: Personal Investments
Topic: TLH of VWLUX (Long Term Tax Exmept Fund Admiral )?
Replies: 16
Views: 622

Re: TLH of VWLUX (Long Term Tax Exmept Fund Admiral )?

September wrote:
Fri Mar 20, 2020 9:03 am
I am thinking of exchange into Intermediate Term Tax Exempt Fund Admiral (VWIUX).
Sure, I think that is an appropriate move (have done it myself before). Then a bit later, if VWIUX continues to go down you could TLH again into a short-term tax-exempt bond fund.
by BolderBoy
Sat Mar 21, 2020 3:14 pm
Forum: Personal Investments
Topic: Stocks down, My Muni Funds Down As Well - Overlooked that - When to ramp up again?
Replies: 4
Views: 428

Re: Stocks down, My Muni Funds Down As Well - Overlooked that - When to ramp up again?

Hogan773 wrote:
Sat Mar 21, 2020 12:29 pm
What is everyone else doing?
I'm doing some rebalancing in my retirement accounts. Are you proposing to rebalance in your non-retirement account? Is it a combo TLH / rebalancing strategy?
by BolderBoy
Sat Mar 21, 2020 3:07 pm
Forum: Personal Investments
Topic: Dad pulling retirements out of market. Advice Please!
Replies: 58
Views: 5952

Re: Dad pulling retirements out of market. Advice Please!

The question is why is their portfolio so risky? I am 71 and my wife a bit younger. Our portfolio is 20% stocks/80% treasuries. We have been able to live with this allocation averaging annual expenses of about 3% of the portfolio. Most likely I will increase it to 25% because treasuries are not yie...
by BolderBoy
Sat Mar 21, 2020 2:48 pm
Forum: Personal Investments
Topic: Guys I Rebalanced (Moved Monies Out Of S&P 500)
Replies: 301
Views: 17815

Re: Guys I Rebalanced (Moved Monies Out Of S&P 500)

Again, I know this looks like timing the market, but there's no way with The Great Shutdown that stocks aren't about to tank lower. There's just no way. But by that reasoning, you should never ever invest in "the market" since you can't tell the future (even tomorrow). Cash should be your only "inv...
by BolderBoy
Sat Mar 21, 2020 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house this week
Replies: 22
Views: 2065

Re: Buying house this week

skierincolorado wrote:
Sat Mar 21, 2020 11:03 am
The house is well within our means unless both of us lost our jobs for very extended periods.
Based on the other criteria you outlined, if your jobs are secure, I'd go ahead with the purchase.
by BolderBoy
Thu Mar 19, 2020 8:24 pm
Forum: Personal Investments
Topic: New portfolio - what do you think of strategy?
Replies: 6
Views: 380

Re: New portfolio - what do you think of strategy?

David Jay wrote:
Thu Mar 19, 2020 6:42 pm
I absolutely would not try to pick winners and losers in this current environment. The 29 stocks idea should be shelved. Put the entire 11% in Total Stock. Fine to [do] it over 10 weeks if that makes you comfortable.
Agree with this advice, 100%!
by BolderBoy
Thu Mar 19, 2020 8:20 pm
Forum: Personal Investments
Topic: How can I get to my "sleep at night " allocation ?
Replies: 24
Views: 1758

Re: How can I get to my "sleep at night " allocation ?

The question is, can I do that now or will I just be making matters worse? If you are using a 3 fund portfolio approach, then your 60/40 has probably moved to 50/50-ish already. You certainly could choose to make the abrupt move to 40/60 or 30/70 now, so long as you are willing to accept the paper ...
by BolderBoy
Thu Mar 19, 2020 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Major unintended consequences of [Families First Coronavirus Response Act]
Replies: 43
Views: 7395

Re: Major unintended consequences of coronavirus bill

BruDude wrote:
Thu Mar 19, 2020 5:42 pm
How do employers front the money if their business is down 50% or going broke?
A business is exempted if complying will make it go broke.
by BolderBoy
Thu Mar 19, 2020 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Actual Layoff: Just Need Some Positive Reassurances
Replies: 42
Views: 4108

Re: Actual Layoff: Just Need Some Positive Reassurances

You'll be fine financially. Psychologically, you should start looking for your next job. I couldn't discern what you do for a living, but if you can't do that anymore, start to plan for your 2nd act. Life is amazing, enjoy it. I agree. You'll be fine. You could spend years looking for your next job...
by BolderBoy
Wed Mar 18, 2020 9:23 pm
Forum: Personal Investments
Topic: Rookie question on 401K contributions and changes
Replies: 4
Views: 202

Re: Rookie question on 401K contributions and changes

johnpau wrote:
Wed Mar 18, 2020 9:14 pm
2) Do smart investors make any changes to 401K portfolio during these times ?
No, if your job is secure then stay the course and keep contributing.
by BolderBoy
Wed Mar 18, 2020 11:38 am
Forum: Personal Investments
Topic: A Little Confused if I Should be Taking More Action
Replies: 16
Views: 1568

Re: A Little Confused if I Should be Taking More Action

Would now be a good time to up my 401k contributions? I could fully fund my Roth IRA if suggested as well. I am trying to figure out if seasoned Bogleheads can give some advice to a newbie on how to take advantage of the situation at hand. If you have the ability to max out your 401k contributions ...
by BolderBoy
Wed Mar 18, 2020 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Money on the sideline? Having a hard time settling on a final Emergency Fund amount.
Replies: 10
Views: 972

Re: Money on the sideline? Having a hard time settling on a final Emergency Fund amount.

I do envy the 100% market and 0% Emergency Fund crowd... Don't envy anyone without an emergency fund. How large an EF to keep is a very personal thing. I typically made sure I had 12 months' expenses in an EF as a bare minimum. During the 2007 meltdown I grew that to 5 years despite having an occup...