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Re: MOAA Insurance

BL wrote:I don't know anything about the company, but would be cautious as companies like to label themselves with the name of respected organizations (AARP, American Legion, etc.) and do this all the time.

She said she heard about this one through something that came from USAA, so I know what you mean.
by BolderBoy
Mon Oct 27, 2014 12:12 pm
 
Forum: Personal Consumer Issues
Topic: MOAA Insurance
Replies: 3
Views: 325

MOAA Insurance

"Military Officers Association of America" - they have their hooks into my mother. The "insurance card" clearly displays her name and other info and prominently at the bottom proclaims, "MEDIGAP #####" info. On another paper that came with her "summary of benefits&...
by BolderBoy
Mon Oct 27, 2014 10:53 am
 
Forum: Personal Consumer Issues
Topic: MOAA Insurance
Replies: 3
Views: 325

Re: Thank You!!! BH #13 (2014)

VictoriaF wrote:A few of us are meeting in the bar at 8pm. If you are still here, please join us.

Victoria

Ack! I was here but didn't see your message until now and I need to shove off soon.

(Someone Italian pinch Victoria, please - inside joke)
by BolderBoy
Sat Oct 25, 2014 6:48 am
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 48
Views: 4369

Re: Help needed for tax efficient fund placement

For the remaining funds How do I place funds with maximum tax efficiency in above mentioned account structure? I'm unclear what you are trying to do. Common wisdom is that bond funds and REITs generate the most cash earnings so they should go into IRAs of some sort, else you'll pay tax on the earni...
by BolderBoy
Fri Oct 24, 2014 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help needed for tax efficient fund placement
Replies: 6
Views: 584

Re: Loaning money to invest?

So if you believe in taking a 30 year mortgage, do you also believe in taking a personal loan to invest for 10+ year time frame into a taxable account? If not, why not? If the loan interest is around 3.2% and the market gains an average of 7-10% -- it seems doable. You are not comparing apples:appl...
by BolderBoy
Fri Oct 24, 2014 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Loaning money to invest?
Replies: 13
Views: 1439

THANK YOU!!! Bogleheads Conference #13 (2014)

Please let me be the first to thank everyone who made this year's BH conference such a pleasant experience. Met so many nice folks and am again humbled into realizing how little I know and how much others do know about so many different things.

Thank you!
by BolderBoy
Fri Oct 24, 2014 4:40 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 48
Views: 4369

Re: "I've had it" at work - how often

How often do you come home from a day at work and say to yourself, 'That was bulls---. I don't need this in my life - I'm done." Let me know your age/tenure, your field, and how often the above occurs. 64 (almost entirely retired now), anesthesia. Until I hit 60 it was seldom. Between 60-61 it...
by BolderBoy
Sun Oct 19, 2014 12:17 am
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12473

Re: Balance Transfer Credit Card 1% fee, no APR for 1 year

If you miss even one of their requirements, you'll lose big doing this. They have dozens of people thinking about how to get your wealth transferred to them. You are one person trying to think of the reverse. It is a fool's game in the long run.
by BolderBoy
Thu Oct 16, 2014 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Balance Transfer Credit Card 1% fee, no APR for 1 year
Replies: 9
Views: 359

Re: Young Professional Looking to Consciously Invest

Age: 26 Company may match up to 50% of the first 6% of my income that I contribute, with a maximum contribution of $4,500. The Company match is discretionary. The amount of the match is determined and placed in my account during the first quarter of the calendar year following the year my contribut...
by BolderBoy
Thu Oct 16, 2014 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young Professional Looking to Consciously Invest
Replies: 7
Views: 1167

Re: Re-entering market - all at once, or over time?

After preparing a strategy, and an allocation, what is the general feeling NOW about going back in all-at-once, or over say a period of months? The research boys have shown that the "all at once" folks edge out the "over a period of months" folks by a bit, when viewed over the l...
by BolderBoy
Thu Oct 16, 2014 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Re-entering market - all at once, or over time?
Replies: 13
Views: 928

Re: portfolio review - noobie

Tax Rate: Federal, State - no idea, salary in 65,000 - 70,000 range It is essential that you learn how to know what your marginal federal and state tax rates are. You'll need that info going forward to make investing decisions. Not hard to learn how to estimate it. Go to irs.gov and download Form 1...
by BolderBoy
Thu Oct 16, 2014 12:15 am
 
Forum: Investing - Help with Personal Investments
Topic: portfolio review - noobie
Replies: 5
Views: 392

Re: Retirement pension options -- CONFUSED!

I find it hard to compare my situation to the other posts. I have no savings...no 401k. I mortgaged my home the 2nd time to help my daughter with college. I also have a parent plus college loan. I live from check no check. No credit debt other than the above. When I do retire I'll have SS and anoth...
by BolderBoy
Thu Oct 16, 2014 12:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement pension options -- CONFUSED!
Replies: 15
Views: 1275

Re: Gold: Is now the time?

With commodities down and the dollar strong would now be the time for those so inclined to add Gold to their portfolios? Or should people wait for more damage? Obviously this would be a long term type of play. Through the 1990s I used to watch "Wall $treet Week" with Louis Rukeyser. And e...
by BolderBoy
Mon Oct 13, 2014 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: Gold: Is now the time?
Replies: 36
Views: 2306

Re: How Often to Buy Funds in a Taxable Account?

So what is the most reasonable balance in terms of how often to move the taxable account contributions into my two funds? I'm thinking maybe every month or two? The BEST time to invest is when you have the money to do so. The most convenient time to invest is something else and only you know when t...
by BolderBoy
Mon Oct 13, 2014 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: How Often to Buy Funds in a Taxable Account?
Replies: 15
Views: 2222

Re: Losing money, please advise

I don't find enough time to understand the market, nor am I knowledgeable on that front. So, I would really appreciate your advice. 2 months ago, I invested around 130k in Vanguard Life Strategy Moderate Growth Fund and rolled over $110k my 401K into Vanguard Target Retirement 2030 fund. I am sad t...
by BolderBoy
Mon Oct 13, 2014 11:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Losing money, please advise
Replies: 36
Views: 5032

Re: Nursing School: Student loans or retirement

In theory, assuming I passed, I could double my current salary going from enlisted to officer. I would then serve an additional 10 yrs and add another 1K to my pension. Other than that I haven't really looked at jobs outside the military considering I have less than 10 yrs to go til i currently ret...
by BolderBoy
Sun Oct 12, 2014 12:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Nursing School: Student loans or retirement
Replies: 28
Views: 2483

Re: Draw down taxable saving first?

I know capital gains are not ordinary income for federal tax purposes. But do they count as income for the purpose of determining your federal tax bracket? They count as income for determining your AGI but not your taxable income until you breach the 25% bracket. The way I do it is to include cap g...
by BolderBoy
Sat Oct 11, 2014 11:24 pm
 
Forum: Investing - Theory, News & General
Topic: Draw down taxable saving first?
Replies: 38
Views: 2598

Re: Critically Acclaimed Movies you did not like

Gone With The Wind.

First time I walked out after 20 minutes - boring. Each time since then, I've simply fallen asleep, awakened and turned it off.
by BolderBoy
Sun Oct 05, 2014 12:32 am
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8273

Re: LED Flashlights

Starting Oct 2-26, Costco is selling the Duracell-branded LED flashlights in a 3-pack. But I tossed the flyer and don't remember the price. I have 3 of the Duracell 500 LED flashlights they were selling last year, that take 3 'C' cell batteries and they are bright as the sun. The lens is moveable so...
by BolderBoy
Thu Oct 02, 2014 12:40 am
 
Forum: Personal Consumer Issues
Topic: LED Flashlights
Replies: 51
Views: 3701

Re: Am I crazy to try to tackle all 4 issues at once?

The 529 tax breaks are pretty minimal if you run the numbers. Paying off a mortgage by the time the kids hit college might be a better tactic. +1. Funding kid's college should be the last priority and in your case, not on the plate at this time. Funding your retirement plans to the max you can affo...
by BolderBoy
Thu Oct 02, 2014 12:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to try to tackle all 4 issues at once?
Replies: 29
Views: 3134

Re: Why not 100% Stocks?

I guess what I'm trying to understand is what is the purpose of the bond part of the portfolio The bond portion of a portfolio is to mitigate overall volatility - the more bonds, the more mitigation. A 100% widely diversified, equity portfolio from July-December 2008, lost about 50% of its value. A...
by BolderBoy
Thu Oct 02, 2014 12:11 am
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 20924

Re: Investment Advice For High Net Worth 1mm+ Yearly Income

I am a huge fan of the forum and appreciate any advice or feedback you can give me. I am not complaining about high taxes, I have no problem paying my fair share, I know a lot of people would love to be in this position and I know there are plenty of other people who work 12-16 hours 6-7 days a wee...
by BolderBoy
Thu Oct 02, 2014 12:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment Advice For High Net Worth 1mm+ Yearly Income
Replies: 3
Views: 926

Re: Just looking for a nudge

However, here I am about to sink the majority of my investments into stocks (Vanguard's Total Stock Market Index Fund) when the market is at an all-time high. Even thinking that, means you are still sold on the idea of "market timing". And BTW, today's market close should prove to you tha...
by BolderBoy
Wed Oct 01, 2014 11:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just looking for a nudge
Replies: 11
Views: 951

Re: Self employment taxes assuming you also have full time j

You didn't ask about this, but I'll mention it. You should be prepared to defend the $60k as a reasonable salary for the work you are doing for the LLC. This is an IRS hot button, as they will likely try to reclassify more of the LLC earnings as salary if the return is audited. Given the relative d...
by BolderBoy
Sat Sep 27, 2014 12:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Self employment taxes assuming you also have full time job
Replies: 7
Views: 784

Re: Bill Gross moving from PIMCO to Janus, Monday

Jim Profit wrote:Why else would a bond guru like Gross head to a relatively small equity outfit like Janus?

Maybe it is a personal tax move? Colorado's taxes are far less than California's (that is where he is now, right - California?)
by BolderBoy
Fri Sep 26, 2014 11:56 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 113
Views: 10088

Re: What to look for in a homeowner's policy

Do a video inventory of your home's contents as well as the outside of the home. Do this every year. Store it offsite somewhere. If your house burns down, you may get peanuts otherwise.
by BolderBoy
Fri Sep 26, 2014 12:32 am
 
Forum: Personal Consumer Issues
Topic: What to look for in a homeowner's policy
Replies: 11
Views: 866

Re: 7 safety tips from hackers

"6. Don't hide your home Wi-Fi. Your home router asks: "Hide the SSID?" If you say yes, then your devices are forced to "actively scan" for the home network you're trying to hide. Sure, they'll connect. But as a result, your device "actively scans" for networks al...
by BolderBoy
Fri Sep 26, 2014 12:28 am
 
Forum: Personal Consumer Issues
Topic: 7 safety tips from hackers
Replies: 14
Views: 2696

Re: Contractor/Employee

A bunch of Microserfs - er, Microsoft "employees" who were classified as contractors sued MS and involved the IRS as they wanted to be reclassified as actual employees for just this reason - to acquire retirement benefits. I think this was in the 1990s.

MS lost the case.
by BolderBoy
Mon Sep 22, 2014 10:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Contractor/Employee
Replies: 13
Views: 869

Re: Car Accident Responsibility for Borrowed Cars

We loan our cars to relatives, e,g, adult kids not living with us, sister, brother, when they visit. If they were in an accident with one of our cars and they were at fault, does anyone know whether they could make a claim on their insurance policy instead of ours? Just so you know, your personal e...
by BolderBoy
Mon Sep 22, 2014 9:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Accident Responsibility for Borrowed Cars
Replies: 13
Views: 951

Re: Am I being scammed? Wolf range hood, defective delivery

If you paid for it with a credit card than dispute the charge immediately. That really get's people's attention. Take lots of pictures too. Please don't. Give the store a chance. For all we know, they may come out, agree with the damage, order a new one, and keep you completely satisfied. I agree. ...
by BolderBoy
Sun Sep 21, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Am I being scammed? Wolf range hood, defective delivery
Replies: 16
Views: 1884

Re: Mechanics of paying a financial advisor

I have been wondering about a very basic issue related to financial advisors. Say that an advisor charges 1% of assets under management. Let's say that a particular client has $1 million dollars in her IRA. The fee is $10,000 for the first year. My question is how does the financial advisor get his...
by BolderBoy
Sun Sep 21, 2014 2:43 pm
 
Forum: Investing - Theory, News & General
Topic: Mechanics of paying a financial advisor?
Replies: 23
Views: 1381

Re: Bank Closing My Account With No Reason Given

I'm flabbergasted. Like, what the hell?! Nobody at the bank will explain to me why they are doing this. I'm just wondering if any of you have ever heard of something like this happening. And if so, what course of action would you say I should take? Most likely you are a victim of FATCA. Regardless ...
by BolderBoy
Thu Sep 11, 2014 12:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank Closing My Account With No Reason Given
Replies: 38
Views: 4056

Re: What type of assets can a lawyer see that you have?

What assets can a lawyer see that you have? I know they can look up cars and houses what else can they see that you own? I think this depends upon what is at stake. Their investigators can frequently find out more about you than you can remember, but it costs them serious money to dig up everything.
by BolderBoy
Wed Sep 10, 2014 5:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: What type of assets can a lawyer see that you have?
Replies: 32
Views: 4141

Re: Would you quit over the pretend boss

You only have two bosses? On my best days I have three, and each thinks they're the only one. And they all think I'm lazy because I don't have their projects turned around in 24 hours, because they have no concept of how much I work. Also, this year I will get reviewed by up to 8 different people, ...
by BolderBoy
Wed Sep 10, 2014 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you quit over the pretend boss
Replies: 33
Views: 3040

Re: Is My Car Insurance Plan Enough? - the Bogle way!

Details Bodily Injury Liability: 20k per person/40k per occurrence Property Damage Liability:25k per occurrence Uninsured Motorist & Underinsured Motorist: 20k per person/40k per occurrence Comprehensive Deductible: $500 Collision Deductible: $500 Rental Reimbursement: $50 per day Agree with th...
by BolderBoy
Wed Sep 10, 2014 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is My Car Insurance Plan Enough? - the Bogle way!
Replies: 18
Views: 1427

Re: Would you quit over the pretend boss

Would you quit over someone like the COO in your company that you meet weekly with? I don't know why the COO has meetings with me when he can't even direct my projects, take responsibility or lead my projects. He doesn't have the technical knowledge on completing a project. I think these two people...
by BolderBoy
Wed Sep 10, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you quit over the pretend boss
Replies: 33
Views: 3040

Re: 50 year old looking for retirement advice & help...

It's not a matter of being optimistic or pessimistic, but of being realistic. The hard, cold truth is that, all else being equal, the later you start saving, the higher the savings rate required to meet a given retirement goal. +1 This is the bottom line and trumps taking wild risks, by a mile. I s...
by BolderBoy
Wed Sep 10, 2014 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50 year old looking for retirement advice & help...
Replies: 15
Views: 2030

Re: Why does my lawnmower leave a stripe?

4. Sharpen the blade: I will try this, but why is the blade sharp enough to cut all the rest of the grass except a 2"-wide strip? Don't know, but I had the same problem with a mower I had used 5 seasons, took the blade off and sharpened it (cleaned the underside while there) and the problem we...
by BolderBoy
Wed Sep 03, 2014 11:49 pm
 
Forum: Personal Consumer Issues
Topic: Why does my lawnmower leave a stripe?
Replies: 28
Views: 5482

Re: Auto Accident Advice

Any advice? I hope to make a decision soon. I was hit by a guy once. He accepted responsibility on the spot and said he would have the car fixed. I delivered the car to the shop he wanted to do the work (I wasn't picky) - he had already called them to arrange payment - and I picked the car up a few...
by BolderBoy
Wed Sep 03, 2014 11:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Auto Accident Advice
Replies: 34
Views: 2320

Re: Estimated taxes / Vanguard information . . . HELP!

How would Vanguard know your tax bracket, statements for brokerage show estimated income, divide this by 4. :confused I guess I'm not explaining this very well. I just want to know if Vanguard reports capital gains before the IRS estimated tax due dates (4/15, 6/15, 9/15, and 1/15). The real proble...
by BolderBoy
Wed Sep 03, 2014 11:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated taxes / Vanguard information . . . HELP!
Replies: 20
Views: 951

Re: Did you reveal to your kids...your savings and salary

Retired now, so make nothing, but when I was working my standard answer to the question was, "I'm too ashamed to tell you." No one - after a nervous laugh - pursued it further. Once had an employer tell me as a new hire that, 'the salaries are confidential', to which I retorted, "Don'...
by BolderBoy
Tue Sep 02, 2014 11:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 7101

Re: Offered Promotion, but longer commute

Unless the new position offers you some additional, fantastic advancement potential after a short period of time, I wouldn't do it. You didn't mention the type of commute the 90 miles would entail - city driving, country driving, busy roads, lightly traveled, etc. Is that 90 miles *each way*? I defi...
by BolderBoy
Tue Sep 02, 2014 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Offered Promotion, but longer commute
Replies: 37
Views: 3069

Re: Malpractice lawsuit from residency?

The residency program's malpractice insurance will cover this. Your friend will really have very little alternative. The tail policies usually come into play later in career, but medical schools and residency programs will cover anything that occurred while enrolled in the program. +1 The residency...
by BolderBoy
Tue Sep 02, 2014 11:27 pm
 
Forum: Personal Consumer Issues
Topic: Malpractice lawsuit from residency?
Replies: 16
Views: 2617

Re: struggling to understand "bond crash"

I continue to read about an impending "bond crash" . The articles are never ending. I apologize up front that I don't understand well what this means in practical terms. Can someone explain in layman's terms (or point me to another posting) what would happen if U.S. Treasuries /Treasury B...
by BolderBoy
Tue Sep 02, 2014 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: struggling to understand "bond crash"
Replies: 13
Views: 2097

Re: Porfolio guidance please

Available 401k funds: Vanguard Value Index Fund (VVISX) .97% Vanguard Small Cap Value Index Fund (VSIAX) .97% Vanguard Small Cap Growth Index Fund (VSGAX) .97% Vanguard Energy Fund (VGELX) 1.13% Pardon my suspicious curmudgeonness, but where did those ERs come from? I just looked up VSGAX on the VG...
by BolderBoy
Tue Sep 02, 2014 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Porfolio guidance please
Replies: 11
Views: 837

Re: What Movie Have You Currently Watched?

Just finished Season 1 of "The Blacklist" with James Spader. If you are a Spader fan, don't miss it.
by BolderBoy
Sun Aug 31, 2014 10:43 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 131
Views: 6848

Re: How to safely sell a big ticket item online

Ged wrote:Bank. Cash. Have the teller scan the cash for counterfeit.

+1. Just have him bring cash to your bank and have him hand it to the teller. Once the teller accepts the cash deposit, any funny money becomes their problem.
by BolderBoy
Sun Aug 31, 2014 10:37 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 42
Views: 2689

Re: Poll: How many own zero/few stocks?

SuperSaver wrote:Just trying to gauge how truly committed those on here are: How many of you are all-in with indexed funds only?

98% index funds + 1 tax-exempt municipal bond fund. Last time I bought a "stock" was in 1981 and I lost money on it.
by BolderBoy
Fri Aug 29, 2014 11:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 68
Views: 2808

Re: How low can Vanguard Fees Go?

Vanguard employees gotta eat. I would be amazed if it would go lower. VG now has around $3 trillion under their wings - that's a 33% increase in what, 1.5 years? Computers do the bulk of the work and folks are swarming into index funds, which require little tending so not many new employees. So yes...
by BolderBoy
Fri Aug 29, 2014 11:27 pm
 
Forum: Investing - Theory, News & General
Topic: How low can Vanguard Fees Go?
Replies: 32
Views: 2286

Re: Death of family member - what to do financially

One of first things to do is to inform SS of her death so they can stop sending checks. It is interesting that so many folks are saying this. Unless they are hiding the death from "the authorities", SS has almost certainly been notified. There are a lot of rules and regs in place to make ...
by BolderBoy
Thu Aug 28, 2014 12:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Death of family member - what to do financially
Replies: 26
Views: 3270
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