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Re: What documents should you never throw away?

I'm working on purging a bunch of my old documents -- old tax info, refinance info, and a bunch of other stuff. What documents should I not throw away and keep locked up in a safe? Originals of birth certificates, military discharge papers, divorce papers, Wills and associated legal stuff, current ...
by BolderBoy
Fri Aug 22, 2014 4:34 pm
 
Forum: Personal Consumer Issues
Topic: What documents should you never throw away?
Replies: 4
Views: 183

Re: How to install an SSD HD into laptop without a Win7 disc

I recently bought a Samsung 840EVO SSD. I was prepared to use Clonezilla, but the SSD came with some Samsung-branded cloning software that I went ahead and used. It worked well and I didn't need to reinstall anything. How is the SSD speed working out for you? Noticeable? Marginal? I got my first SS...
by BolderBoy
Fri Aug 22, 2014 4:29 pm
 
Forum: Personal Consumer Issues
Topic: How to install an SSD HD into laptop without a Win7 disc?
Replies: 16
Views: 1015

Re: Air conditioning

I haven't seen anyone mention this, and perhaps it's not the direction you want to go, but... If you're overweight, lose some and the heat may not bother you as much--lots of other health benefits besides. I'll second this. I once lost 40 pounds over the course of May-August and by July I was cold ...
by BolderBoy
Fri Aug 22, 2014 4:05 pm
 
Forum: Personal Consumer Issues
Topic: Air conditioning
Replies: 31
Views: 1846

Re: Options for the medical grad but no residency

frugaltype wrote:Does she qualify to be an RN with no or little additional training?

The Board of Nursing would laugh at her. You want to join the club, go to nursing school.
by BolderBoy
Fri Aug 22, 2014 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 98
Views: 8601

Re: Company car versus personal car for business

Any chance of asking your employer to give you a car allowance for now, rather than the company car itself - comparable to the value of the company car, and use the Maxima for the business purpose? I can't articulate the math at the moment, but at some future point (hopefully not far), the spread be...
by BolderBoy
Fri Aug 22, 2014 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Company car versus personal car for business
Replies: 9
Views: 850

Re: What assets are protected from state court proceedings?

This is interesting about umbrella insurance - when it begins and ends coverage and for acts that occurred when. In the medical business, professional liability coverage comes in two flavors: claims-made and occurrence. The former covers incidents that occur on the first day of coverage thru the las...
by BolderBoy
Fri Aug 22, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: What assets are protected from state court proceedings?
Replies: 20
Views: 1437

Re: Enough retirement income to avoid Medicaid

I'm very much enjoying the ACA this year in early retirement. I too did not want to be on Medicaid, based on my primary care physician's recommendation. Three strategies to raise your income over the Medicaid threshold: 1. Tax Gain Harvest: sell some of your taxable holdings for a gain. The gain co...
by BolderBoy
Fri Aug 22, 2014 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Enough retirement income to avoid Medicaid
Replies: 17
Views: 1245

Re: 60 years old and lump sum investment

captaintaco wrote:EDIT: The pension system performed a cash distribution and withheld tax. At this point can it be deposited into an IRA?

I wouldn't think so. Sounds like with the tax withheld that the money has already left the tax-deferred arena.
by BolderBoy
Fri Aug 22, 2014 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: 60 years old and lump sum investment
Replies: 6
Views: 504

Re: Driving Trip Planning

I think you're overthinking, overplanning and destined to fail. What I do: put cb radio in the car and magnetic antenna on the roof. Get the radar detector fired up. Put the garmin in place. Hook my phone up to charge and get it on google maps. Have a road atlas in the back seat. Keep the laptop re...
by BolderBoy
Wed Aug 20, 2014 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 41
Views: 1140

Re: Driving Trip Planning

Mick wrote:There is a tool, I have been using it to plan a two week drive around the Northwest. On https://www.myscenicdrives.com...

What amused me about this site were the states lacking "scenic drives". Groan. What a negative advertisement.
by BolderBoy
Wed Aug 20, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 41
Views: 1140

Re: Driving Trip Planning

Here's how I'd do it, using Google Maps on a computer: ⋅ Type in your start and end destinations. Google will map the whole route out for you. ⋅ Grab the "end" marker with your mouse. Drag it backwards along the route. ⋅ Google will recalculate the time for y...
by BolderBoy
Wed Aug 20, 2014 1:55 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 41
Views: 1140

Re: Driving Trip Planning

This is splendid and I just tried it, BUT they have apparently turned that feature off and simply show a step of 1700+ miles and 26 hours, with no time breakdowns in the subheadings. Darn. It worked fine for me so far, I just need to find a way to SAVE it for future reference; probably should have ...
by BolderBoy
Wed Aug 20, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 41
Views: 1140

Re: Driving Trip Planning

I've never seen anything quite like that. And I'm sort of a map nut.... But you can get something close from google maps. I do it like this: First, pick the trip's start and finish destinations (ultimate finish, not a rest/stop way point just yet), then allow google to find the best route between t...
by BolderBoy
Wed Aug 20, 2014 1:01 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 41
Views: 1140

Re: Driving Trip Planning

Dutch wrote:For on the fly, on the road, planning I find a car GPS invaluable.

I'll have in-car navigation available, but it doesn't allow pre-planning motel stays.
by BolderBoy
Wed Aug 20, 2014 12:34 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 41
Views: 1140

Re: Driving Trip Planning

Agreed that construction delays can throw a wrench, so plan on the low miles side per day just in case. Motel booking at noon on the way... An idea, but I don't have a cell phone and I'll be driving alone. But I'm amazed that there isn't something akin to what I seek already in existence. Seems like...
by BolderBoy
Wed Aug 20, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 41
Views: 1140

Re: Driving Trip Planning

dolphinsaremammals wrote:I thought AAA had some sort of trip planning, but I haven't actually used it.

In BH fashion, I'm looking for "free".
by BolderBoy
Wed Aug 20, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 41
Views: 1140

Re: Driving Trip Planning

So far so good with responses. I've pondered doing it like that. But a cleaner solution is a routing planner that allows choosing breakpoints by HOURS via pointing at the route. Google Maps contains all the underlying data to provide that option for planning - strange they don't. They don't even pro...
by BolderBoy
Wed Aug 20, 2014 12:05 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 41
Views: 1140

Driving Trip Planning

I'm not finding a utility to do this on the web (and no discussion of it here on the forum) and am seeking suggestions from the assembly. I want to make a driving trip of 1800 miles. In a recent test I've discovered that I can do 400 miles without much effort, but 700 miles is a near-killer for me. ...
by BolderBoy
Wed Aug 20, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 41
Views: 1140

Re: Where do you buy clothes?

Now that I'm retired, all I care about wrs clothes is comfort and affordability. Having spent my working career (to include being on-call generally every or every-other day for a couple of decades) in operating rooms, I wear scrubs around the house and save people clothes for wearing out and about....
by BolderBoy
Sun Aug 10, 2014 6:22 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 8859

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

And in case some folks missed it, VG bumped up the allowable length of their password field to 20 characters. If there is any *one* password item to change to make a password tougher to break, length is it.

If you're not using a 20ish character PW on VG's site yet, please make a note to change it.
by BolderBoy
Sun Aug 10, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7361

Re: Sources for Discovering Dishwasher Quality

Everyone has a different experience with their dishwasher. But does anyone know where to go other than the Consumer Reports for evaluating the quality of a dishwasher? The LAST time I relied on CR for anything was to buy their "recommended / best buy" Whirlpool DW. I couldn't wait to dona...
by BolderBoy
Sun Aug 10, 2014 5:38 pm
 
Forum: Personal Consumer Issues
Topic: Sources for Discovering Dishwasher Quality
Replies: 36
Views: 1788

Re: Which 4 door with 250+ hp

Why is it bad for my financial health. Unless I am completely missing something with my deprecation logic, $200 per month seems reasonable for a car. Auto depreciation isn't a straight line - the biggest hit is nearly immediate. BH wisdom seems to be that if you want to get rid of a car before driv...
by BolderBoy
Sun Aug 10, 2014 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 81
Views: 5386

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

But don't they have to do that all over again for every password in the file? So if a site has a million passwords, they'll have to do them all to get all the passwords? That reduces the odds they'll get mine, unless they target my particular ID. They operate with ready-made tables of hash values f...
by BolderBoy
Sat Aug 09, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7361

Re: your eye doctor; your eyes....

is your eye doctor an opthamologist or an optometrist? any reason to prefer one over the other? OD. Figure if she sees something needing physician-level care she'll tell me. does your eye doc use the "puff of air" machine or the machine that actually presses against your eye to measure th...
by BolderBoy
Sat Aug 09, 2014 12:14 am
 
Forum: Personal Consumer Issues
Topic: your eye doctor; your eyes....
Replies: 41
Views: 3215

Re: Telephone Calls! Help! [Telemarketing phone calls]

My parents were inundated with unwanted calls - often 20 per day - so once when I visited I volunteered to "take care" of the caller. When I answered and he started talking I interrupted with this routine: <https://www.youtube.com/watch?v=mkdoogjic4I> Then I found out it was my father's do...
by BolderBoy
Fri Aug 08, 2014 11:52 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Telemarketing phone calls]
Replies: 97
Views: 5728

Re: Oldest age to start medical school?

At what age does going to medical school become impractical (from a Boglehead’s perspective)? I met a 51 y/o intern once. She was very tired. By the time I hit 61 the 24-hr shifts were wearing me down pretty good, so I retired. Another poster mentioned that you had tried it twice but changed your m...
by BolderBoy
Fri Aug 08, 2014 11:37 pm
 
Forum: Personal Consumer Issues
Topic: Oldest age to start medical school?
Replies: 44
Views: 5474

Re: Neighbor's Tree

Your neighbor is not responsible to clean up leaves and limbs from their trees if and when they fall on your property, or even the tree itself if it falls on your property, except if the tree was diseased and not maintained.. Are you sure about that? Wouldn't that give the property owner who does n...
by BolderBoy
Fri Aug 08, 2014 11:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Neighbor's Tree
Replies: 44
Views: 3015

Re: Can I get a Mortgage anywhere?

Sure you can get a mortgage anywhere. Some lenders though may prefer a local property. Others just don't care. Also mortgages are often sold within 30 days of origination to someone else. I've never heard of anyone getting a mortgage. You get a loan and give a mortgage as collateral. :P Hah. Very g...
by BolderBoy
Fri Aug 08, 2014 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I get a Mortgage anywhere?
Replies: 18
Views: 1742

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

Adding salts only slows that down by the number of unique salts in the database. When I write password routines, the salts are long - 64 bytes minimum, drawn from generated UUID values and itself hashed - always unique per user and the hacker would have no idea what I did with the salt vis-a-vis th...
by BolderBoy
Fri Aug 08, 2014 10:58 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7361

Re: Peak Money Market Fund Yields in 1981-82

Electron wrote:I'm wondering if anyone remembers the highest yields seen in Money Market funds in 1981-82.

I had the Prime Money Market Fund with T Rowe Price in 1981 and it was yielding 18% for a time.
by BolderBoy
Thu Aug 07, 2014 12:37 pm
 
Forum: Investing - Theory, News & General
Topic: Peak Money Market Fund Yields in 1981-82
Replies: 24
Views: 1676

Re: Moving Average Backtest destroys Buy/Hold. Try for yours

Well, I can debunk buy and hold and prove market timing works in under 60 seconds.... The data goes back to year 2000, so it has almost 15 years of backtest data. 15 years? How about at least 30 years (a typical person's investing history before retirement) and better 50-60+ years to include workin...
by BolderBoy
Thu Aug 07, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: Moving Average Backtest destroys Buy/Hold. Try for yourself.
Replies: 59
Views: 4352

Re: Should I worry about being audited?

My mom has always been paranoid about depositing her money in bank accounts (she makes most of her money under the table). For about two years now, she has been giving me 300-400 dollars a week that I've been depositing into a savings account/vanguard taxable. So your mom is committing a crime and ...
by BolderBoy
Thu Aug 07, 2014 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I worry about being audited?
Replies: 34
Views: 2997

Re: How many Accounts do you log into and how do you manage?

jebmke wrote:I use Keepass.

+1 I left Roboform behind several years ago and have never looked back.
by BolderBoy
Wed Aug 06, 2014 11:06 pm
 
Forum: Personal Consumer Issues
Topic: How many Accounts do you log into and how do you manage?
Replies: 52
Views: 2508

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

Nearly all websites will hash their passwords. Meaning that they don't store the actual password, instead they store a hash of the password. Unfortunately, many websites don't use a salt or a slow hash function. What this means is if hacker can steal a hash file that doesn't use a salt or a slow ha...
by BolderBoy
Wed Aug 06, 2014 10:52 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7361

Re: Inexpensive paper check replacement?

MN-Investor wrote:Are you a Costco member? If so, check out Costco Checks.

+1. Cheapest I've found.
by BolderBoy
Tue Aug 05, 2014 12:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Inexpensive paper check replacement?
Replies: 19
Views: 1548

Re: Medicare and Auto Accidents

Medicare is the payer of last resort, but they are definitely on the list.
by BolderBoy
Tue Aug 05, 2014 12:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare and Auto Accidents
Replies: 5
Views: 573

Re: Should I close this credit card with Annual fee

Should I keep paying 29 dollars per year just to keep "longevity factor" in my favor on FICO score? No, absolutely not. More important than how long you've had the card (in figuring the FICO score) is the total denominator value of all your credit. (next most important is NEVER, EVER be l...
by BolderBoy
Tue Aug 05, 2014 12:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I close this credit card with Annual fee
Replies: 20
Views: 1970

Re: HELP! Budget Out of Control

Alarm $36 Is this for monitoring? Monitoring is usually a waste of money. If you have inside and outside LOUD alarms and a sign in front of your house proclaiming VIDEO surveillance, a burglar foolish enough to try, is going to be LONG gone before the alarm company even calls the cops for you. Nice...
by BolderBoy
Tue Aug 05, 2014 12:08 am
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Budget Out of Control
Replies: 47
Views: 3579

Re: Should i Buy a new car

Sp let me rephrase the question- since i DONT have money lying around to buy the car, does it make sense to take a loan?? I hope now its more clear. Not to me. The interest you will pay on the loan is a guaranteed return if you don't take the loan. Any returns you get on investments over the same p...
by BolderBoy
Mon Aug 04, 2014 11:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should i Buy a new car
Replies: 87
Views: 3935

Re: Investing for those in the 15% tax bracket

I do see an advantage to investing in a Roth IRA because of the tax free growth over a taxable account, but the advantage of the tax deferred accounts is less clear. It seems like once a person in the 15% MTB maxed out their Roth and 401k contributions up to the match there wouldn't be much advanta...
by BolderBoy
Mon Aug 04, 2014 11:45 pm
 
Forum: Investing - Theory, News & General
Topic: Investing for those in the 15% tax bracket
Replies: 38
Views: 2765

Re: Playing Millenial Student Debt

As I see the student loan debt rise for my generation (over $1 trillion) and wage growth stagnate, I wonder what looming effects this will have on the economy at large. The biggest boon I can see is the delay of first time home purchases. According to the latest Zillow(R) Home Price Expectations Su...
by BolderBoy
Mon Aug 04, 2014 11:37 pm
 
Forum: Investing - Theory, News & General
Topic: Playing Millenial Student Debt
Replies: 5
Views: 648

Re: Do I need a small cap index if I already have total mark

Thank you for letting me know it is not necessary. But, is it a good addition is what I really want to know? "Good" is a personal choice. Adding small cap will let you s-t-r-e-t-c-h for some extra potential gain (and s-t-r-e-t-c-h for some extra potential loss as well) - who can tell the ...
by BolderBoy
Mon Aug 04, 2014 11:35 pm
 
Forum: Investing - Theory, News & General
Topic: Do I need a small cap index if I already have total market ?
Replies: 58
Views: 5338

Re: Investing a windfall for an older new investor

She is 55 years old, does not work...she will be getting a lump sum of much more money than I've had to deal with. My instinct is to start by putting some in a savings account for emergencies, and invest the rest in a 2 or 3 index fund portfolio with roughly 55% bonds and 45% stocks. I would also l...
by BolderBoy
Mon Aug 04, 2014 11:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing a windfall for an older new investor
Replies: 10
Views: 533

Re: How do you document your HSA "stuff?"

All receipts showing payments I made go into a paper folder. I pay the expenses out of pocket. When I need some cash flow and there are enough receipts accumulated in the folder I add them up, write myself an HSA check for reimbursement, scan the receipts into a "YYYY IRS HSA Reimbursements yyy...
by BolderBoy
Mon Aug 04, 2014 11:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you document your HSA "stuff?"
Replies: 38
Views: 2130

Re: SUV tires

Meaty wrote:It's that time again when we need to replace tires on our Nissan murano. Any recommendations on the best all weather tires?

Where do you live?
by BolderBoy
Sat Aug 02, 2014 5:55 pm
 
Forum: Personal Consumer Issues
Topic: SUV tires
Replies: 17
Views: 1236

Re: Riding the Rails--my Amtrak trip

I am getting concerned reading about the delays. I hate planes. Did I say I hate planes. I only take them when I must and only for must business trips, which hopefully will be over soon. I am "spoiled" by Amtrak on the Northeast corridor which is not horrible although almost every time I ...
by BolderBoy
Sat Jul 26, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 78
Views: 9033

Re: Please help settle an argument

DFWinvestor wrote:Argument A: It ALWAYS makes sense to take out a vehicle loan, as long as it is no greater than 3-5%, rather than pay cash for the vehicle up front. If you invest the cash in the S&P 500 you will always come out ahead.

This is nonsense. Most always/never declarations are.
by BolderBoy
Wed Jul 23, 2014 11:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please help settle an argument
Replies: 23
Views: 1976

Re: Vanguard Account Owners - has this happened to you?

I've been with Vanguard longer than you, and recently had a bizarre thing happen. A check showed up in my mailbox. Dividends are supposed to be deposited to my money market account, but instead they mailed me a paper check. I called my rep, she didn't know why it happened. I wonder if other folks h...
by BolderBoy
Wed Jul 23, 2014 11:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Owners - has this happened to you?
Replies: 17
Views: 2649

Re: Buy a condo for college?

Slapshot wrote:Do it. My son tried to get us to do this 20 years ago when he went to Univ. of Colorado, Boulder.

+1
I live in Boulder and this is done all the time here. Few people lose money doing it, here and most sell the properties when the kids graduate.
by BolderBoy
Fri Jul 18, 2014 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college?
Replies: 29
Views: 2518

Re: Adding Backup Boot Disk - Windows 7 - Clone or Image?

However, I discovered that it took 1.5 hrs to do the image backup to the external hard drive, so it's not something I'd want to do very often. A friend just got a new laptop with USB 3 ports and a 3.0 WD external drive and it took about 10 minutes. I think mine has USB 2 and I have an older WD back...
by BolderBoy
Fri Jul 18, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: Adding Backup Boot Disk - Windows 7 - Clone or Image?
Replies: 15
Views: 1226
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