Search found 1389 matches

by BolderBoy
Wed Jul 01, 2015 10:47 pm
Forum: Personal Consumer Issues
Topic: Medicare Billing Question
Replies: 10
Views: 1004

Re: Medicare Billing Question

Coders are sometimes idiots. I used a billing company for 3 years without checking up on them enough and when I finally did check, they turned out to be idiots as well (claimed to have anesthesia billing experience and they didn't.) Cost me a bundle over the three years. With regard to the billing t...
by BolderBoy
Thu Jun 25, 2015 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Condo - HOA Rules for Leasing
Replies: 27
Views: 2089

Re: Condo - HOA Rules for Leasing

Am I way off base here in thinking it's ok to have someone move in with me and pay rent with a carefully crafted roommate agreement? I think if you get your terms straight it will pass muster with your HOA. Roommates generally "share expenses". Tenants usually sign a lease. If you have a ...
by BolderBoy
Thu Jun 25, 2015 10:15 pm
Forum: Investing - Theory, News & General
Topic: Did 2008 change your investing strategy?
Replies: 58
Views: 4636

Re: Did 2008 change your investing strategy?

QUESTION: Have you all changed your asset allocation since experiencing this crash? I just keep thinking, what happens if a long bear market hits, and we live through a Great Depression II. What if I lose my job, etc. Should I have 2 years of living expenses in an emergency account? How defensive s...
by BolderBoy
Thu Jun 25, 2015 10:11 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 217
Views: 19437

Re: What was the 2008 crash like in real time?

I didn't realize 2008 was slow. The devastation was felt most acutely from August-December, 2008 with some dribbling into January 2009. The nightly news was *all* gloom-and-doom. You could feel the panic. Prior to August there was a lot of "deer-in-the-headlights" behavior which probably ...
by BolderBoy
Thu Jun 25, 2015 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: VBTLX tax-loss harvesting, similar funds?
Replies: 9
Views: 658

Re: VBTLX tax-loss harvesting, similar funds?

After messing up and putting aside my money for a down payment on a house into VBTLX back in April I'm now down close to 3% so far. I plan to use the money within a year or so. You need the money within a year? Harvest your loss and put it in a safe savings vehicle. Lick your wounds and be glad you...
by BolderBoy
Thu Jun 25, 2015 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum investment v. DCA v. Waiting
Replies: 50
Views: 4961

Re: Lump sum investment v. DCA v. Waiting

lextoy wrote:my experience over the last 4 yrs, holding out repeatedly for a big correction in the market, has taught me to just bite the bullet and invest the money whenever it comes into my hands.

This is the best lesson of all. Lump sum now and ignore the market noise.
by BolderBoy
Thu Jun 25, 2015 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Settlement money to buy a house
Replies: 5
Views: 674

Re: Settlement money to buy a house

I want to buy a house next year and I just want to know suggestions to where I should put my settlement money to earn some extra :moneybag rather than having it in Savings and probably earn $10 in the end. I tried to do research but I'm fairly new to this and there is so much out there! Thanks for ...
by BolderBoy
Wed Jun 24, 2015 10:36 am
Forum: Personal Consumer Issues
Topic: Most Economical Way to Handle the Lawn
Replies: 71
Views: 6516

Re: Most Economical Way to Handle the Lawn

I'd go with consumer reports best buys for my equipment, and the house does have a detached garage for storage. Considering fuel, oil, maintenance, etc, is it worth it to buy all of the equipment, or should I hire this out? Personally, I loathe yard work and only have a 0.2 acre yard. So I hire min...
by BolderBoy
Tue Jun 23, 2015 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a nurse?
Replies: 71
Views: 7280

Re: Should my husband become a nurse?

The OP should take note that Cindyjrn is an EXTREME outlier statistically for a staff RN - very few nurses can work that many 12 hour shifts per pay period without burning out. Further, the research has been very clear about 8, 10 and 12 hour shifts for nurses. That the productivity (read that as qu...
by BolderBoy
Sun Jun 21, 2015 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a nurse?
Replies: 71
Views: 7280

Re: Should my husband become a nurse?

There is no full time nursing job that pays 90K/yr without years of seniority and upgrading skills. Even then 90K is hard to come by. Starting pay will be closer to $25-$35/hr. To make that kind of money will require lots of overtime. Nothing wrong with that, but working too much gets you burned ou...
by BolderBoy
Sun Jun 21, 2015 5:15 pm
Forum: Personal Consumer Issues
Topic: Vanguard's newish email alerts & security
Replies: 19
Views: 1871

Re: Vanguard's newish email alerts & security

The responses have been interesting so far. Since it is impractical with current tech to have encrypted email connections between VG and every customer (I guess), it is more an issue of privacy than security - I'll accept that point. For those who aren't worried about this info in your email, how ab...
by BolderBoy
Sat Jun 20, 2015 9:28 am
Forum: Personal Consumer Issues
Topic: Vanguard's newish email alerts & security
Replies: 19
Views: 1871

Vanguard's newish email alerts & security

I just sent this note to VG on their secure email system (logged onto the website): --- "You don't need to answer this, but please ponder it. Something new in the last few months is an email notification when I make a transaction on the website. I don't mind that, but the dollar amount and part...
by BolderBoy
Sat Jun 13, 2015 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Int Term Tax-Exempt --> CA Int Term Tax-Exempt?
Replies: 4
Views: 481

Re: TLH Int Term Tax-Exempt --> CA Int Term Tax-Exempt?

I sure am glad I asked (can't know everything despite how I try). My thanks for the responses both here and via PM. The link was helpful and frankly I didn't think of going with an ETF in the meantime - a much better suggestion (will have to learn how to do that in VG). So the bottom line looks like...
by BolderBoy
Sat Jun 13, 2015 11:08 am
Forum: Investing - Help with Personal Investments
Topic: TLH Int Term Tax-Exempt --> CA Int Term Tax-Exempt?
Replies: 4
Views: 481

TLH Int Term Tax-Exempt --> CA Int Term Tax-Exempt?

I'm sitting on about $4k in losses (mostly long term) in VG ITTE fund and was wondering about taking those losses by way of buying the VG California ITTE fund? I'm trying to get myself back down into the 15% bracket having taken all the LT cap gains I planned to for this year. I'm enjoying the divid...
by BolderBoy
Fri Jun 12, 2015 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Dispute/Don't Pay Medical Bill
Replies: 45
Views: 3105

Re: Dispute/Don't Pay Medical Bill

Fast forward 2 months, and I get a bill for $720 for endoscopy. Worth noting that I have high quality health insurance that I pay a fortune for ($8400/year out of my paycheck, total premium of $24-25k for a family of 4). I had 4 sessions of PT over the winter, total of 2.5 hours that I reluctantly ...
by BolderBoy
Wed Jun 10, 2015 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: EJ Inherited IRA for my two minors?
Replies: 5
Views: 577

Re: EJ Inherited IRA for my two minors?

If i leave the accounts in EJ, there is a $40 annual fee for the accounts. If I close the accounts and transfer to another company and invest in mutual funds, $95 dollars to close each IRA. Thieves! I would cut my on-going losses with EJ, liquidate everything to cash and have Vanguard handle the tr...
by BolderBoy
Wed Jun 10, 2015 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Recommendations
Replies: 4
Views: 415

Re: 401K Recommendations

S&P 500 INDEX FUND 0.02% US EXTENDED EQUITY MARKET INDX 0.04% NON US EQUITY INDEX FUND 0.09% US BOND INDEX FUND 0.02% What funds and allocation do the Bogleheads recommend to me? Thanks so much for your guidance. Welcome and congratulations on getting started early. You could put together a nic...
by BolderBoy
Wed Jun 10, 2015 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: How do I spend down retirement accounts?
Replies: 3
Views: 754

Re: How do I spend down retirement accounts?

Do you like fiddling with Excel-type spreadsheets? You could set one up as an tax schedule such that it shows you the tax effects of taking withdrawals from various accounts. Pretty easy to twiddle the numbers to keep yourself at the top of the 15% bracket.
by BolderBoy
Wed Jun 10, 2015 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard
Replies: 6
Views: 923

Re: New to Vanguard

I stopped working in 2013 after an industrial injury. I had worked for 35 years prior to injuring myself. My future is uncertain at this moment. I am unable to add to my accounts as I used to at the present time as when I was working. I am trying to regain my strength and start working again... Des...
by BolderBoy
Tue Jun 09, 2015 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Offered Cancer Insurance at work, worth it?
Replies: 34
Views: 3084

Re: Offered Cancer Insurance at work, worth it?

crowd79 wrote:Just wonder what people's thoughts are on this?

Overall, these types of policies are moneymakers for the insurance company (else they wouldn't offer them) and of little value to anyone else.
by BolderBoy
Tue Jun 09, 2015 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Man with history of bad financial decisions needs advice
Replies: 26
Views: 3339

Re: Man with history of bad financial decisions needs advice

When does any athlete need to assess their situation and slow down? I don't know but suspect that your body has been telling you for some time. We have considered the idea of moving to Cuenca, Ecuador This could be another "bad financial decision". Are you of that culture? Paying bribes t...
by BolderBoy
Tue Jun 09, 2015 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Insight on finances
Replies: 4
Views: 660

Re: Insight on finances

It is the ability to borrow that has you locked up. You are a creditor's dream...until you aren't. Time to reorder your financial thinking so that you "pay yourself first". By that I mean that you max out your retirement plans until it hurts. Then budget with what you have left (you may no...
by BolderBoy
Tue Jun 09, 2015 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Am I ready?
Replies: 9
Views: 1805

Re: Am I ready?

I would note you need to calculate your actual SS benfits not just use what is projected on your annual statement because it appears you will both have a fair number of zero income years in that calculation. +1. Even better, if your numbers show you can do it w/o SS in the picture, then you are lik...
by BolderBoy
Tue Jun 09, 2015 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Independent Contracting job vs Salaried jobs.
Replies: 33
Views: 3082

Re: Independent Contracting job vs Salaried jobs.

thanks for the replies. I agree. this IC job doesnt pay 1.5 to 2, more like 1.2 or so, not enough to cover everything. 50% - 100% more in healthcare as an IC over a W2 is not realistic and I doubt anyone would offer such. 20% is realistic and is typically what I saw. IMO, the biggest advantage of b...
by BolderBoy
Tue Jun 09, 2015 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Man with history of bad financial decisions needs advice
Replies: 26
Views: 3339

Re: Man with history of bad financial decisions needs advice

The one variable I did not mention is that I seem to be both extremely fit, in the top 1%, as is my wife, while at the same time, I am plagued by injuries and medical issues. Death wish? I wouldn't call you "very fit". Your tax-free pension is solid gold. Advice: sell the Flagstaff home. ...
by BolderBoy
Tue Jun 09, 2015 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Business Auto Deductions (Tax Question)
Replies: 2
Views: 261

Re: Business Auto Deductions (Tax Question)

Short version : Am I able to use both standard mileage method and actual cost method on different vehicles during the same calendar year? I have only used the standard mileage method, but it seems that TurboTax each year asks me questions along the lines you are asking in order to decide such thing...
by BolderBoy
Tue Jun 09, 2015 1:23 pm
Forum: Investing - Theory, News & General
Topic: The 'Monday Effect'?
Replies: 50
Views: 7414

Re: The 'Monday Effect'?

I have noticed that stocks tend to rise on Fridays and dip on Mondays. Really? Five years ago I asked one of my colleagues who was doing the coursework for his CFP, if there was any sort of effect such as you are describing and he said it was the reverse - dip on Fridays and rise on Mondays. So I c...
by BolderBoy
Tue Jun 09, 2015 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: tracking financial progress help
Replies: 3
Views: 423

Re: tracking financial progress help

I am relatively new to managing my personal finance, and have a question for y'all. How do you keep track of change over time? I want to be able to monitor which funds are getting good returns, which aren't, and keep an asset allocation at my target. Have you looked at the forum wiki? I think what ...
by BolderBoy
Tue Jun 09, 2015 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: CFP recommendation - Vanguard or external?
Replies: 10
Views: 1004

Re: CFP recommendation - Vanguard or external?

- Is there a way I can avoid paying state taxes, if I don't reside in the US (though I still use an CA address, e.g. some banks need a US address) To answer this would require a LOT more info from you. There is a difference between a domicile and a residence for state taxation purposes most of the ...
by BolderBoy
Tue Jun 09, 2015 12:01 pm
Forum: Personal Consumer Issues
Topic: Problem with Social Security Website
Replies: 8
Views: 823

Re: Problem with Social Security Website

Not yet. But I can get into my account just fine! Then something else is in play here it would seem. I suppose it is "possible" that someone else has hijacked the account - don't know how common that is. FWIW, the SSA website login system allows for the creation of a LONG userid that is g...
by BolderBoy
Tue Jun 09, 2015 11:49 am
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 12669

Re: Car dealer wants me to compensate for underpayment

I signed a contract to buy the car two weeks ago. I picked it up a week later after the credit union check came in the mail. The final invoice was $1500 less than what had been on the original contract. I did not question it. What would you guys do in this case? I would pay them the contractually a...
by BolderBoy
Tue Jun 09, 2015 11:44 am
Forum: Personal Consumer Issues
Topic: Problem with Social Security Website
Replies: 8
Views: 823

Re: Problem with Social Security Website

gouldnm wrote:Any thoughts about what could be wrong or how it can be fixed?

I just tried mine using Firefox and it worked okay (required me to change my password since it had been 6 months).

Have you tried another browser?
by BolderBoy
Sun Jun 07, 2015 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Career advice: Passed over for unannounced position
Replies: 14
Views: 2364

Re: Career advice: Passed over for unannounced position

I think I understood your recitation of the situation. First, you didn't apply for the position as described when you found out about it. Next, it sounds like the person who did take the job may have negotiated it into a somewhat different job from what was being offered, which then included taking ...
by BolderBoy
Sun Jun 07, 2015 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Why does Jack Bogle have no international funds
Replies: 69
Views: 6592

Re: Why does Jack Bogle have no international funds

I noticed that Jack Bogle did not state any international fund in his portfolio when I read Tony Robbins book. Did I miss something. Interesting you didn't ask why he doesn't. So I'll answer the why for you. Mr Bogle feels that so many USA companies are multinational now with so much of their profi...
by BolderBoy
Sat Jun 06, 2015 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: Why does Jack Bogle have no international funds
Replies: 69
Views: 6592

Re: Why does Jack Bogle have no international funds

I noticed that Jack Bogle did not state any international fund in his portfolio when I read Tony Robbins book. Did I miss something. Interesting you didn't ask why he doesn't. So I'll answer the why for you. Mr Bogle feels that so many USA companies are multinational now with so much of their profi...
by BolderBoy
Fri Jun 05, 2015 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: 21 y/o new to investing; Advice Needed
Replies: 9
Views: 787

Re: 21 y/o new to investing; Advice Needed

My question for now though (being 21 years old, investing for the long term, and tolerable to risk): is my money fine sitting 97% stocks 3% bonds in two Vanguard funds? With the market at an all time high, there are of course talks about the inevitable bear market. It's going to happen eventually, ...
by BolderBoy
Fri Jun 05, 2015 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Complete Money Makeover into Vanguard
Replies: 20
Views: 1785

Re: Complete Money Makeover into Vanguard

Desired International allocation: 40% of stocks? (Open to suggestions) Current Portfolio: $400,000 My goal is to have at least 1 million by the time I retire in 11 years at age 65. Glad you are doing things the BH way. But remember it can't work miracles. 40% of stocks in International is pretty st...
by BolderBoy
Fri Jun 05, 2015 2:24 pm
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 118
Views: 22101

Re: Netflix DVD delivery slowdown?

Yup. After months of a one day delivery my last couple of disks came overnight when Netflix said they would. Agreed. I'm holding my breath, but there does seem to be a fix in place. I, too, get an email now from Netflix proclaiming, "Shipping Today". Got one of those early on Memorial Day...
by BolderBoy
Fri Jun 05, 2015 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Banker/Attorney (loan) question
Replies: 14
Views: 1215

Re: Banker/Attorney (loan) question

Seems like you'd want to form an LLC or a partnership, have the LLC/LLP buy the property, and then sell units in the LLC/LLP to the cabin owners or fishing club members, which then gives them access to a particular site and the lake in general for a set time period. The initial buy-in gets an owner...
by BolderBoy
Fri Jun 05, 2015 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Keys to making self employment worth it.
Replies: 11
Views: 1900

Re: Keys to making self employment worth it.

Examples such as making use of the 10K in tax deductions available etc. I'm not sure what this is. I ran a sole proprietorship form of self-employment, either full-time (1099 only source of income) or part-time (income from 1099 & W2), for almost 40 years. IMO, the single biggest advantage aris...
by BolderBoy
Fri Jun 05, 2015 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: How much income do I really need?
Replies: 22
Views: 3555

Re: How much income do I really need?

Any thoughts on this trajectory? Is it even worth it to try and pick up the extra money up front when I don't know if I would even need it and can be comfortable on much less? Or, who knows what the future will bring and maybe I should save more now in case the medical system becomes even more diff...
by BolderBoy
Fri Jun 05, 2015 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: One million dollar home
Replies: 37
Views: 5644

Re: One million dollar home

It is all about LOCATION. If Option C is in a much sought-after locale, I'd go with it over the other choices.
by BolderBoy
Fri Jun 05, 2015 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - 32yo starting over
Replies: 6
Views: 1525

Re: Portfolio Review - 32yo starting over

I have been talking to HR for months about adding VG or Fidelity Spartan funds but our fund advisor is (shockingly) unconvinced of the benefits of index investing. You might advise your HR "fund advisor" about the very recent Supreme Court decision that puts his advice at risk of litigati...
by BolderBoy
Thu Jun 04, 2015 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Big life changes and large lump sums about to appear
Replies: 16
Views: 2262

Re: Big life changes and large lump sums about to appear

Again, major focus is what the hell do we do with $600,000 (1/2 in an IRA and 1/2 in a taxable account) Study BL's suggestions above. I didn't see an enumeration of your annual expenses now and going into retirement. The IRA portion I would consider a 3 Fund portfolio as BL has suggested. The cash ...
by BolderBoy
Thu Jun 04, 2015 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Divorcing over finances.
Replies: 70
Views: 6332

Re: Divorcing over finances.

Would you divorce your wife (or husband or domestic partner) if you are the main bread winner (and supporter of her if she does not work and wanting a child) and she has shown no interest in establishing and following a budget? A lot of folks will tell you to "save the marriage". I say, &...
by BolderBoy
Thu Jun 04, 2015 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Big Decision to Make
Replies: 58
Views: 7911

Re: Big Decision to Make

It should be your wife's decision, not ours or yours. By considering whether to make this move, you are asking her to sacrifice a lot - either in her personal autonomy by going with you, or in her family connection by staying behind and seeing you much less. As they say, "happy wife, happy lif...
by BolderBoy
Thu Jun 04, 2015 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Moving REIT from VG Taxable to Fidelity IRA
Replies: 5
Views: 510

Re: Moving REIT from VG Taxable to Fidelity IRA

Now that the fund is down and I have some unrealized losses I’m wondering if now is the right time to sell and buy a REIT in my Fidelity IRA. If I do buy; should I go with Fidelity’s Spartan Real Estate Index Fund (FSRVX)? Seems like a perfectly reasonable thing to do and a smart-wise tax move as w...
by BolderBoy
Thu Jun 04, 2015 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio planning for NRA
Replies: 4
Views: 476

Re: Portfolio planning for NRA

1) Other than the emergency fund, I have $100K ready for investing. Is it better/safer to invest that money altogether now, or to distribute that amount over the next four years (i.e. investing $25K per year)? I have zero understanding of a NRA's taxation issues in the USA, but strictly addressing ...
by BolderBoy
Thu Jun 04, 2015 10:00 am
Forum: Investing - Help with Personal Investments
Topic: AA adjustment or not
Replies: 15
Views: 1045

Re: AA adjustment or not

I'm feeling like the market has reached a point where things will likely get worse and I'm wondering if I should change my AA. I am probably less risk tolerant that I was, and I'd like to hang on to some of my gains. The first sentence indicates you are considering changing your AA for market timin...

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