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Re: Things to do in and around Boulder, CO

4. Ride your bike up to NCAR (National Center for Atmospheric Research). Its a short bike ride up a long sloping road. Good for a short workout. The ride down is very fast and very fun. Careful on zooming down too fast - could get creamed by someone driving lawfully. While you are at the top, be su...
by BolderBoy
Sun Mar 30, 2014 12:12 am
 
Forum: Personal Consumer Issues
Topic: Things to do in and around Boulder, CO
Replies: 16
Views: 833

Re: Things to do in and around Boulder, CO

[quote="g$$"]4. Ride your bike up to NCAR (National Center for Atmospheric Research). Its a short bike ride up a long sloping road. Good for a short workout. The ride down is very fast and very fun.[quote] Careful on zooming down too fast - could get creamed by someone driving lawfully. Wh...
by BolderBoy
Sun Mar 30, 2014 12:03 am
 
Forum: Personal Consumer Issues
Topic: Things to do in and around Boulder, CO
Replies: 16
Views: 833

Re: Tax Audits

So my question is does the audit occur when the fed/state accepts or after? The statue of limitation is 3 years, correct? They audit everyone with a username rhyming with psychopath. :) Several kinds of audits, too. Most are carried out by mail and are usually due to math errors or misreported inco...
by BolderBoy
Wed Mar 19, 2014 12:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Audits
Replies: 16
Views: 1326

Re: Flagship Rep called me

sscritic wrote:I am glad I have never signed up for a webinar, let alone watched one.

+1
My rep emailed me quite a while back. I told her all my assets are with VG, that I'm a BH and that I'd be in touch if I ever need anything. She hasn't bothered me since then.
by BolderBoy
Tue Mar 18, 2014 11:47 pm
 
Forum: Personal Consumer Issues
Topic: Flagship Rep called me
Replies: 22
Views: 4284

Re: XP to 7--please spell out what I buy, where, how much

It's cheaper, but the one issue is that for that cheaper price its a one time installation. If your hard drive fails, you will need to purchase it again. This is incorrect. The installation is tied to the motherboard, not the hard drive. Apparently true. Windows seems to generate or get a uuid code...
by BolderBoy
Tue Mar 18, 2014 12:01 am
 
Forum: Personal Consumer Issues
Topic: XP to 7--please spell out what I buy, where, how much
Replies: 42
Views: 2222

Re: XP to 7--please spell out what I buy, where, how much

That said, I'd want to know the specs of the existing machine. If it's ten years old with 1 GB RAM, I would not bother. Exactly though I would put the date at 4 years and 2 GB RAM, etc. Just to see if I could do it, I installed Win7x32Pro on a Dell Laptop from 2002. P3 1gHz 512mb RAM. It worked! To...
by BolderBoy
Mon Mar 17, 2014 11:55 pm
 
Forum: Personal Consumer Issues
Topic: XP to 7--please spell out what I buy, where, how much
Replies: 42
Views: 2222

Re: Do you love your job? What do you do?

Medical professional. Love the science and problem solving. Don't like the liability and having to deal with conditions and regulations from the system as a whole. Would love to "retire" to practice medicine, part time, and voluntarily in underserved areas of the US and/or world. Likewise...
by BolderBoy
Sun Mar 16, 2014 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 10073

Re: Form 8606 - Roth IRA Basis

Now that DSInvestor has spilled the beans, I will proceed with a little example: I contributed $5500 to a Roth; it grew to $10,000. What is my basis? I then took $5500 out leaving $4500 in the Roth. Now what is my basis? [This assignment is for anyone who has had trouble following this thread or un...
by BolderBoy
Sun Mar 16, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Form 8606 - Roth IRA Basis
Replies: 28
Views: 1505

Re: Form 8606 - Roth IRA Basis

I have the total contributions since the account was opened in 2009 - $17,751. Combined with $4,000 of conversion for 2013. That is a total basis of $21,751. You Bogleheads are awesome. Thank you. There is still something not right with this thread. Another poster asked if there had been a Roth dis...
by BolderBoy
Sun Mar 16, 2014 7:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Form 8606 - Roth IRA Basis
Replies: 28
Views: 1505

Re: Form 8606 - Roth IRA Basis

There is no such thing that I know of and I've been filling out 8606 forms for a LONG time. So what do you put on lines 22 and 24 when you get a distribution from your Roth? Enter your basis in Roth IRA contributions Enter your basis in conversions from traditional, SEP, and SIMPLE IRAs and rollove...
by BolderBoy
Sun Mar 16, 2014 7:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Form 8606 - Roth IRA Basis
Replies: 28
Views: 1505

Re: Online Wills

I am 62 and my wife and I don't have wills. We have 2 sons to split everything equally. I am thinking an online will is fine.. Would appreciate your input. Do I need an actual attorney to draw it up or is the online product fine? Tks in advance! If you are sort of retired, go down to your local cou...
by BolderBoy
Sun Mar 16, 2014 12:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Online Wills
Replies: 27
Views: 2410

Re: Form 8606 - Roth IRA Basis

Bogleheads - A IRS Form 8606 question. Roth IRA basis - is essentially the contributions made into the Roth IRA. When Traditional IRA conversions enter the picture, where a dollar amount is converted (and taxes paid) and transferred in the Roth IRA account, does this have any impact on basis? Does ...
by BolderBoy
Sat Mar 15, 2014 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Form 8606 - Roth IRA Basis
Replies: 28
Views: 1505

Re: Portfolio Checkup Please, And Can I Retire?

Average Investor wrote:Bump.

Any further feedback, Bogleheads?

Thank you.

You can probably do it. I'd pay off all the debt stuff before actually pulling the trigger. Also, play with this site and a bunch of scenarios. It helped me a lot to make the decision:

<http://www.cfiresim.com/input.php>
by BolderBoy
Sat Mar 15, 2014 11:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup Please, And Can I Retire?
Replies: 7
Views: 1621

Re: Poll: When did you retire? Would you do it all over agai

Tried "retirement" (went to 1/3 time) at age 47 and after 8 months was bored to death. Went back to work 1/2 time at one job and 1/2 time at "another job" doing the same thing. After 5 years of that (and a million FF miles) I found a position that allowed me to work 1.5 jobs and ...
by BolderBoy
Mon Mar 10, 2014 9:41 am
 
Forum: Investing - Theory, News & General
Topic: Poll: When did you retire? Would you do it all over again ?
Replies: 103
Views: 10665

Re: How Many Funds Do You Have in Taxable?

Two in taxable, Vanguard Total Stock Market and S&P 500 indexes. So when I take tax free capital gains out of one (I'm in 15% bracket) I can immediately invest them in the other and bypass frequent trading policy. Now THAT is clever. Just when I was going to ask about overlap, you spell out a v...
by BolderBoy
Sun Mar 09, 2014 12:27 am
 
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 4887

Re: Paying $1,000/yr to Vanguard ! PLEASE HELP ME

Mazz wrote:You are losing more money by having a mediocre asset allocation. Your question should really be about that, not your $900 in expense ratios.

+1

Fixing that is what I would concentrate on as well. A fair amount of overlap.
by BolderBoy
Sun Mar 09, 2014 12:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Paying $1,000/yr to Vanguard ! Please Help Me
Replies: 40
Views: 6691

Re: AHH MISSED IT!

letsmakesomething wrote:My problem, I feel like I missed out on the market run up (which I did) and don't want to take positions seeing as the market is now potentially over valued.

How do you know that?

You don't, actually, so get into the market. Tomorrow's high makes today a low.
by BolderBoy
Sun Mar 09, 2014 12:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Ahh Missed It! [market timing]
Replies: 20
Views: 2715

Re: Playing catch up--your input welcomed!

I'd caution you against taking too much risk in order to try to catch up. I tried that for a while prior to 2007/8 and... An appropriate AA for your age and nearness to retirement is what you should do. Your savings rate presently is outstanding as is your ability to reduce a $144k combined gross in...
by BolderBoy
Sun Mar 09, 2014 12:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Playing catch up--your input welcomed!
Replies: 10
Views: 919

Re: Independent contract Income: SEP IRA? Individual 401k?

1. Last year I had additional income of about 30k from independent contract work, I receive only 1099 under my name. I want to know how I can deduct possibly 25% of this income into a SEP-IRA or individual 401k plan?? or simple IRA even?? 2. From what I have researched, I cannot do 401k for 2013 ta...
by BolderBoy
Thu Mar 06, 2014 11:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Independent contract Income: SEP IRA? Individual 401k?
Replies: 14
Views: 862

Re: stayed out of the market, what to do now?

I have been earning < 1% on my entire portfolio, across 401(k), Roth IRA, and taxable accounts. Where to from here? Is it OK to continue to stick with this portfolio? Should I move into stocks? If so, what is a good strategy for that given they are at an all time high? "... all time high"...
by BolderBoy
Wed Mar 05, 2014 12:45 am
 
Forum: Investing - Help with Personal Investments
Topic: stayed out of the market, what to do now?
Replies: 64
Views: 7347

Re: Home remodel - need confirmation that we can afford it

Hi All. This is my first post here but I have been a long time lurker. Thanks for taking a few minutes to consider my situation. Question for consideration - Can we afford to renovate our home? Our financial advisor says we are very well positioned for the expense, but I am very conservative and wo...
by BolderBoy
Wed Feb 26, 2014 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home remodel - need confirmation that we can afford it
Replies: 51
Views: 3079

Re: Cruel math

It must be easier to lose money than to make money investing. If you start with $100 and the market goes down 30 percent, you have $70. To get back to even, you don't have to make just 30 percent the next year, you have to make 43 percent. Like the gecko says, everybody knows that. What didn't hit ...
by BolderBoy
Wed Feb 26, 2014 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: Cruel math [x% loss requires x+% gain to get even]
Replies: 35
Views: 2802

Re: Should I Get Cheap Personal Loan & Invest It?

I have access to cheap money with my local family owned bank at around 3%. The monthly payment(I was thinking $30k over 5 years) would put no extra burden on us. Is it a good idea to take this out, max out a Roth, max out traditional, and put the rest in a brokerage account? I am a very high-risk t...
by BolderBoy
Wed Feb 26, 2014 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Get Cheap Personal Loan & Invest It?
Replies: 72
Views: 3678

Re: Tax Questions - Daughter in Medical School

I don't know much about this sort of thing, but can you continue to fund the 529? You put money in and she takes it out?
by BolderBoy
Tue Feb 25, 2014 12:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Questions - Daughter in Medical School
Replies: 9
Views: 868

Re: How to Convert Someone That Doesn't Want to Be Converted

I have a very good friend who is currently paying a FA at Wells Fargo .85% a year for 'financial advice' and I don't know how to convince him to take more control of his investments. Until he says he is ready and open for change, this is like teaching a pig to sing - wastes your time and annoys the...
by BolderBoy
Tue Feb 25, 2014 12:04 am
 
Forum: Personal Finance (Not Investing)
Topic: How to Convert Someone That Doesn't Want to Be Converted
Replies: 50
Views: 2906

Re: Meeting with a financial adviser

So I have a meeting coming up with a financial adviser. He is a fee-only adviser which is a plus and the fees come in the form of a percentage of assets under management. I've long wondered what "fee-only" means. Now I know that it only means they will extract fees from you. Means nothing...
by BolderBoy
Mon Feb 24, 2014 11:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meeting with a financial adviser
Replies: 45
Views: 4495

Re: Incoming Medical Student (Update)

Paden wrote:Questions:
[list]1.) Should I put my bond holding inside the Roth Account or in my taxable account? I am currently leaning towards taxable account.

Do you need the income it will throw off now? If so, then yes - taxable account, else...
by BolderBoy
Mon Feb 24, 2014 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Incoming Medical Student (Update)
Replies: 7
Views: 663

Re: Bogleheads 13 Convention?

Good question - I've not attended before, but notice that few folks who send me PMs give me a "real" name.
by BolderBoy
Mon Feb 24, 2014 1:54 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads 13 Convention?
Replies: 6
Views: 735

Re: Fujitsu Scansnap (portable) - worth it to upgrade to big

Some of the rollers are gear driven and you have to press the Power + Scan buttons at the same time to roll them forward a bit during the cleaning process. I think it takes 6-9 repeated presses to get the roller to turn one full turn. Sort of a nuisance, but necessary for complete cleaning. ... and ...
by BolderBoy
Mon Feb 24, 2014 1:52 pm
 
Forum: Personal Consumer Issues
Topic: Fujitsu Scansnap (portable) - worth it to upgrade to bigger?
Replies: 9
Views: 699

Re: Estimated Tax

I submit my estimated taxes quarterly, 1-2 weeks before their due date. I don't see any sense sending them any earlier and giving the government a free short term loan. ... and I tell them to use the due date for estimated tax. The exception to that is the 4th quarter payment - I make that on Dec 31.
by BolderBoy
Mon Feb 24, 2014 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax
Replies: 20
Views: 1404

Re: Bogleheads 13 Convention?

Thank you! Apparently your brain waves are already reaching out.
by BolderBoy
Mon Feb 24, 2014 1:38 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads 13 Convention?
Replies: 6
Views: 735

Re: How long to keep previous years Income tax returns????

Hello everyone!!! I'd like to know: How should I keep my income tax returns. Kindly spare the editorials.........Many thanks in advance........ :D parigi. Forever. I scan the returns and supporting documents into .pdf files. Have all my returns going back to 1968. Until I got the sheet-feed scanner...
by BolderBoy
Sun Feb 23, 2014 11:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long to keep previous years Income tax returns????
Replies: 43
Views: 2675

Bogleheads 13 Convention?

I searched a bit and didn't find the question, so....

Will there be a BH 13 held this coming October 2014?
by BolderBoy
Sun Feb 23, 2014 3:31 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads 13 Convention?
Replies: 6
Views: 735

Re: Turbo Tax Audit Risk

If most of your income is documented by W-2 and 1099's and your deductions are within a reasonable range for your income, your audit risk will be very low - assuming of course that you include all the W-2s and 1099s on your tax form. I think individuals who fill out schedule C (self-employment) and...
by BolderBoy
Tue Feb 18, 2014 1:42 am
 
Forum: Personal Consumer Issues
Topic: Turbo Tax Audit Risk
Replies: 7
Views: 1008

Re: Vanguard's Notice Regarding Typo on Form 1099-B

Can't put my hands on it now but I recall getting a letter in the mail from Vanguard saying there was a typo on Form 1099-B ; "is not reported to the IRS" should be "is reported" and Box E should be Box D - for me they were all non-covered and so I thought the original wording w...
by BolderBoy
Tue Feb 18, 2014 1:18 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Notice Regarding Typo on Form 1099-B
Replies: 5
Views: 1252

Re: Let me know what you think.

Any advice would be appreciated. Let me know if you have any questions or comments. Comment - you have a completely bewildering array of stuff in your posting and I suspect you haven't gotten any responses yet because of that. Have you read the available info in the forum wiki? Read and absorbed it...
by BolderBoy
Tue Feb 18, 2014 1:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Single 30 year old with 403(b), 457(b), and ROTH IRA
Replies: 21
Views: 1365

Re: ASPCA vs Humane Society

I used to donate to the HSUS/local humane society, but was besieged with additional solicitations via mail. (This was a few years ago; I'm not sure of the current practices.) When I donate to an entity I do it with a letter and not their solicitation card. The letter plainly states that 1) the dona...
by BolderBoy
Sun Feb 16, 2014 11:20 pm
 
Forum: Personal Consumer Issues
Topic: ASPCA vs Humane Society
Replies: 27
Views: 1657

Re: Tax Efficient Portfolio Help

I take home about 20K, before taxes, each month. This is non-earned income and does not qualify for an investment account... This is why I challenged you. It most certainly CAN be used for an "investment account", just not for a retirement account. Words matter. A simple, three-fund, taxa...
by BolderBoy
Sat Feb 15, 2014 12:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax Efficient Portfolio Help
Replies: 18
Views: 1242

Re: Estimated Tax

+1 for EFTPS. Not only do you get an acknowledgement when you submit your payment. You can also go online a few days later to verify it cleared. And at year end you can print a page listing all your payments for the year. ++1 Best thing I ever did tax-wise was signing up for EFTPS (and the state eq...
by BolderBoy
Fri Feb 14, 2014 11:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax
Replies: 20
Views: 1404

Re: Choosing my MBA program... Looking for advice

SeattleCPA wrote:entry job at Arthur Andersen & Co.

Please don't list AA as one of your former employers. :happy

(just kidding)
by BolderBoy
Fri Feb 14, 2014 11:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing my MBA program... Looking for advice
Replies: 11
Views: 1415

Re: Where to invest after maxing out 401k, IRA, and HSA?

I could also choose to just pay the mortgage off early, which is a 30-year term, $170,000 @ 3.99%, though the low rate makes me think our money could be better invested elsewhere. Elsewhere for a guaranteed return of 3.99%? Pay it off - you'll be amazed at how freeing it is to not have a mortgage.
by BolderBoy
Fri Feb 14, 2014 11:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to invest after maxing out 401k, IRA, and HSA?
Replies: 18
Views: 2049

Re: Tax Efficient Portfolio Help

I take home about 20K, before taxes, each month. This is non-earned income and does not qualify for an investment account (trust me, I've talked to some great professionals about it). It is reported to the IRS through a 1099. Pardon my ignorance, but what does this mean? Are you prohibited from inv...
by BolderBoy
Fri Feb 14, 2014 10:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Efficient Portfolio Help
Replies: 18
Views: 1242

Re: Fujitsu Scansnap (portable) - worth it to upgrade to big

If the sheet feeder on your Scansnap is not working well, the "wearables" may need cleaning or repairing. +1. I just did this on my Fujitsu Scansnap and it works like new again. The "kit" comes with lots of cleaning supplies - easy to use and cleaning alone may be good enough wi...
by BolderBoy
Thu Feb 13, 2014 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Fujitsu Scansnap (portable) - worth it to upgrade to bigger?
Replies: 9
Views: 699

Re: How to get in on an IPO

Most IPOs' value goes DOWN after the offering and either takes "forever" or never gets back to the IPO price.

I've had lots of "professional" advisors over the years do this TO me and every one of them lost my money, sometimes all of it.
by BolderBoy
Thu Feb 13, 2014 8:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to get in on an IPO
Replies: 23
Views: 1614

Re: Ready for Help with Personal Investments

If your job is very secure, a 3 month emerg fund may be enough. You are holding too much cash - you know that. Read in the wiki about tax-efficient placement of investments on the taxable side (usually with total market equity funds and a tax-exempt (index if possible) bond fund). The order in which...
by BolderBoy
Thu Feb 13, 2014 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ready for Help with Personal Investments
Replies: 9
Views: 1146

Re: Windows XP Advice

I'd vote for Win7 and Oracle's VirtualBox VM as well - I run WinXP in that whenever I need it. I tried XP mode with Win7 for a few years and it was just a drag - don't know how else to explain it. Resource hog? Uninstalled it and went with Vbox. (In fact, I have Win95b, Win98SE and MSDOS 6.22 all se...
by BolderBoy
Thu Feb 13, 2014 1:09 am
 
Forum: Personal Consumer Issues
Topic: Windows XP Advice
Replies: 21
Views: 1304

Re: POLL: Do you do your own taxes?

Started doing my own taxes in 1968 when my father (an accounting professor) taught me how. Did them by hand until around 2008 then started using TT. Prior to using TT I would usually hear from the IRS every year about some math mistake I'd made. Not since using TT.
by BolderBoy
Thu Feb 13, 2014 12:02 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you do your own taxes?
Replies: 54
Views: 3106

Re: ALERT from Vanguard [e-mail Scam]

Vanguard isn't the best at discouraging investors from providing the information. A few years ago, I got a phone message, "This is Mr. X at Vanguard. Please call me at NNN-NNN-NNNN concerning your IRA contribution." I didn't recognize the number, so it could well have been a phishing mess...
by BolderBoy
Wed Feb 12, 2014 11:50 pm
 
Forum: Investing - Theory, News & General
Topic: ALERT from Vanguard [e-mail Scam]
Replies: 13
Views: 2513

Re: Optimal Number of Mutual Funds

In the late 1990s I had a dozen funds of random selection in my taxable account. Called a VG rep one day to ask a question, he brought up my account and commented, "Ahhhh, you are a fund collector." I had no idea what he meant by that - and didn't ask - wish I would have, he may have said ...
by BolderBoy
Wed Feb 12, 2014 11:27 pm
 
Forum: Investing - Theory, News & General
Topic: Optimal Number of Mutual Funds
Replies: 78
Views: 3584

Re: Late start advice requested (30 years old)

I spent several weeks reading basic investment articles (without really understanding a lot of it) and looking to the S&P 500 type options in my Vanguard 401k list. I was also looking at options that were showing better than S&P 500 returns historically (even though, yes I know past is not ...
by BolderBoy
Wed Feb 12, 2014 11:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Late start advice requested (30 years old)
Replies: 49
Views: 3187
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