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Re: Selling multi-family - Push to Waive Inspection?

ResearchMed wrote:"As is" suggests, to me anyway, that there are indeed known problems or very likely to be some.

Hmmmm. Doesn't suggest that to me. Merely suggests that there will be no repairs paid for by the seller - buy it "as is" and fix it up at your cost or walk away.
by BolderBoy
Mon Mar 02, 2015 12:08 am
 
Forum: Personal Consumer Issues
Topic: Selling multi-family - Push to Waive Inspection?
Replies: 23
Views: 1119

Re: Wife doesn't want to retire - I do

Neighbors - husband/wife. He retired at age 50. She continued to work for the state for the next 16 years. Never heard a mumble about it. But he has worked around the house and yard A LOT. I think he made it clear to her that they were set for retirement if she wanted to as well - no pressure to wo...
by BolderBoy
Sun Mar 01, 2015 11:56 pm
 
Forum: Personal Consumer Issues
Topic: Wife doesn't want to retire - I do
Replies: 57
Views: 4520

Re: Wife doesn't want to retire - I do

Neighbors - husband/wife. He retired at age 50. She continued to work for the state for the next 16 years. Never heard a mumble about it. But he has worked around the house and yard A LOT. I think he made it clear to her that they were set for retirement if she wanted to as well - no pressure to wor...
by BolderBoy
Sun Mar 01, 2015 11:35 pm
 
Forum: Personal Consumer Issues
Topic: Wife doesn't want to retire - I do
Replies: 57
Views: 4520

Re: Newbie: 3 fund portfolio

You need to hit the wiki and spend some time reading. It will likely answer your lead question.
by BolderBoy
Sun Mar 01, 2015 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie: 3 fund portfolio
Replies: 6
Views: 285

Re: Guns for hunting/defense

Quick summary on the home defense question, if I may.

I can't tell if any particular weapon is better than another for home defense - some say a handgun, some a shotgun and others a rifle. Can there be consensus on this?
by BolderBoy
Tue Feb 24, 2015 11:58 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 125
Views: 6438

Re: Netflix DVD delivery slowdown?

Anyone remember when Netflix would regularly send you an email asking if you've received such-and-such DVD yet? And on which day it arrived? Along with some nice warm, fuzzy BS about wanting to keep the service up? I haven't seen such an email in a long time (>6 months). Anyone else? My money says t...
by BolderBoy
Tue Feb 24, 2015 8:02 pm
 
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 79
Views: 10313

Re: Guns for hunting/defense

Wouldn't the boglehead response would be to ask yourself why you think that the chances that you will be able to effectively use the gun in self-defense are greater than the chances that it will be used to cause injury or death to you or someone you know? A well crafted myth. If the bad guy is arme...
by BolderBoy
Tue Feb 24, 2015 7:45 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 125
Views: 6438

Re: Guns for hunting/defense

It's hard to beat a pump 12ga for home defense. Racking that slide is a good deterrent. I used to think this was true as well, mostly from watching movies. Now they are saying a better deterrent is to yell out loudly, "Emma, call 911 and tell them, 'Shots fired, dead bodies, come quick!', then...
by BolderBoy
Tue Feb 24, 2015 7:38 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 125
Views: 6438

Re: external hard drive - Windows 8 - need assitance

Toons wrote:Does it show up in disk management?
disk management:
Control Panel/System and Security/Administrative Tools/computer management/Disk management

+1. This. Cures the problem almost 100% of the time. Then you should see it in "My Computer".
by BolderBoy
Tue Feb 24, 2015 11:28 am
 
Forum: Personal Consumer Issues
Topic: external hard drive - Windows 8 - need assitance
Replies: 20
Views: 1321

Re: Help! I can't afford to eat on my South Beach vacation

The weather is nice, but after just two days I am close to going over my meal budget. The price of food in restaurants is shocking to us. Your vacation isn't all about eating, is it? Hit the local grocery store and plan on doing your lesser meals in the room. Big savings which will then leave you e...
by BolderBoy
Tue Feb 24, 2015 11:26 am
 
Forum: Personal Consumer Issues
Topic: Help! I can't afford to eat on my South Beach vacation
Replies: 60
Views: 4909

Re: Help with AA and Financial Plan

So let's say I choose an 80/20 AA going forward due to my stable employment and access to a pension. Should I increase that at some point in the future? Ummm, increase the bond portion as you get older - yes. So by the time you are in retirement maybe a 50/50 AA would be better. (I'm retired and at...
by BolderBoy
Sat Feb 21, 2015 12:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA and Financial Plan
Replies: 13
Views: 922

Re: Long-term Investing of Windfall

ChrisRichman , welcome to the forum. (I hope that's not your real name for privacy reasons.) Any advice or criticism of the above proposed strategy would be much appreciated. Your AA is fine but Total Bond doesn't belong in taxable. You wrote you have a small Roth IRA and a pension. Do either of yo...
by BolderBoy
Fri Feb 20, 2015 10:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Long-term Investing of Windfall
Replies: 4
Views: 528

Re: Should you always/usually go with the lower expense rati

investordoc wrote:Question: When should you consider funds other than indexes? It all reverts to the mean so should you stick with index funds and call it a day?

Yes. Shown to be true repeatedly more times than you can find otherwise.
by BolderBoy
Fri Feb 20, 2015 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should you always/usually go with the lower expense ratio?
Replies: 20
Views: 1177

Re: Help with AA and Financial Plan

Dave Ramsey said not to invest in bonds because they don’t even beat inflation. That made sense to me, but I am learning more about how my 100% equity allocation may be taking more risk than I need to take to reach my goals. With respect to Dave Ramsey, the purpose of bonds in a portfolio is to mit...
by BolderBoy
Fri Feb 20, 2015 10:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA and Financial Plan
Replies: 13
Views: 922

Re: Investing Help

-17k in a ROTH IRA (combination of Putmun Equity Spectrum Fund (PYSAX)(1.36% Fees + 5.75 front load fee) and a Blackrock (MCLOX) Mutual Fund(2.89% Fees). Should I move away from investing with a Financial Advisor? Were the above choices on recommendation of your FA? If so, "moving away" i...
by BolderBoy
Thu Feb 19, 2015 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing Help
Replies: 18
Views: 850

Re: Vanguard sued for charging too little

jerryk68 wrote:Interesting case. Saw this today. Vanguard is trying to get case dismissed.

http://www.philly.com/philly/blogs/inq- ... Danon.html

Loved PhillyGuy36's comment about "high priced lawyers".
by BolderBoy
Wed Feb 18, 2015 11:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 276
Views: 44665

Re: Prorating Tax Refund with Dear Wife

You don't pro rate the refund, you pro rate your tax liability first and then deduct from that taxes each of you paid. I often did this in administering estates when a joint return is filed with the surviving spouse. You may well find that one of you is entitled to the full refund plus a payment fr...
by BolderBoy
Wed Feb 18, 2015 11:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Prorating Tax Refund with Dear Wife
Replies: 18
Views: 1711

Re: New independent contractor tax questions

I am started to work as an independent contractor next month (moonlighting at a local hospital). I will be getting a 1099 at the end of the year so I know I need to make estimated quarterly payments. I have several questions since this is a very new tax situation to me. 1.) I still have a job in wh...
by BolderBoy
Wed Feb 18, 2015 11:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: New independent contractor tax questions
Replies: 3
Views: 308

Re: Tax question: 1099Misc and travel expenses

[quote="Philliefan33"I've read what I think are the relevant rules but I want to check to make sure I understand when/what expenses can be deducted on the Schedule C. In case A, travel expenses should be deducted. In case B, travel expenses should not be deducted. In case C, travel expense...
by BolderBoy
Wed Feb 18, 2015 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question: 1099Misc and travel expenses
Replies: 1
Views: 203

Re: Converting to a Roth

You could run a spreadsheet model to show if this is worth it. Bet it is NOT worth it as there will come a time based on the RMD formula, when your IRA will fall in value enough that your marginal tax rate will fall as well. When that happens, you will have converted money now at your $170k AGI tax ...
by BolderBoy
Wed Feb 18, 2015 12:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converting to a Roth
Replies: 4
Views: 391

Re: “Not disturbing investments”? / How do I gradually withd

I only bought all these stocks a few months ago (inheritance received)... So you aren't beyond the one-year point for long-term cap gains treatment of any of it, right? This implies that whatever cap gains or qualified dividends you will have on the $30,000 you pull out this year will be taxed at y...
by BolderBoy
Wed Feb 18, 2015 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: “Not disturbing investments”? / How do I gradually withdraw?
Replies: 5
Views: 807

Re: Whole life policy - 5.5% for first year, 3.5% thereafter

In almost every case, Whole Life insurance polices benefit the salesman who sold it to you, more than it does you. Even with your clever manipulation of the premium payments.
by BolderBoy
Wed Feb 18, 2015 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Whole life policy - 5.5% for first year, 3.5% thereafter.
Replies: 4
Views: 323

Re: 80% stock/20% bonds? Or 90% stock/10% bonds? (Age 28)

There are many, many threads on this topic. There is no correct answer. Basically, just think about your own tolerance to watch your balance fluctuate and select the allocation that you think matches that tolerance. Probably the best place to start is here in the wiki: http://www.bogleheads.org/wik...
by BolderBoy
Wed Feb 18, 2015 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: 80% stock/20% bonds? Or 90% stock/10% bonds? (Age 28)
Replies: 90
Views: 3531

Re: Budget for under 40k salary with new condo

Three things you can do an internet search to learn how to do and that you want to do first: Net Worth Statement, Cashflow Statement and a Budget. Sounds like you have many of the budgeting numbers available and you know your cashflow incoming. Making a Net Worth statement will give you a target to ...
by BolderBoy
Wed Feb 18, 2015 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Budget for under 40k salary with new condo
Replies: 8
Views: 699

Re: University of Phoenix

My problem with the UoP was (1980s) their "group learning" focus. I don't know if they've continued this sort of teaching model. IMO, group learning is something that is good for children, learning how to work together, but since the UoP is all about "adult education" I'm much mo...
by BolderBoy
Mon Feb 16, 2015 9:26 pm
 
Forum: Personal Consumer Issues
Topic: University of Phoenix
Replies: 20
Views: 2264

Re: Vanguard sued for charging too little

sesq wrote:The guy is basically unemployable as a corporate tax person, as any company would google his name and find the press accounts and choose a different candidate.

Not to mention his law license has been suspended for some time.
by BolderBoy
Mon Feb 16, 2015 8:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 276
Views: 44665

Re: First Time Dog Owners -- Any Regrets?

I'm not a dog person, so I'll give you a gentle warning. If you get a dog, make sure you train it to NOT BARK when outside if you live within city limits. Most cities have strict ordinances about this and they are all against the dog owner. A new dog owner near me is going to shortly be finding out ...
by BolderBoy
Mon Feb 16, 2015 12:27 pm
 
Forum: Personal Consumer Issues
Topic: First Time Dog Owners -- Any Regrets?
Replies: 83
Views: 5928

Re: Genealogy

I am starting a genealogy project after realizing that so much of our family history is locked up in memories that will disappear forever as the older generation passes on. 15 years ago I decided to try that. Went to my father and explained what I wanted to do. His response, "You were born, is...
by BolderBoy
Mon Feb 16, 2015 12:11 pm
 
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 50
Views: 3077

Re: Small claims court and rental Security Deposit

For all we know, the lease agreement may provide that, in the event of litigation, the losing party must pay the attorneys fees and court costs of the winning party. Those costs could dwarf the already incurred losses. That clause would be irrelevant. There's no attorneys in small claims court and ...
by BolderBoy
Sun Feb 15, 2015 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Small claims court and rental Security Deposit
Replies: 42
Views: 1803

Re: Mental games

NYTimes crossword puzzles, done every day. In ink. From the movie, "ffolkes", someone says to the Roger Moore character (ffolkes), "You are probably one of those who does the NYT Crossword in 10 minutes." ffolkes snarkily replies, "It has never taken me as long as 10 minute...
by BolderBoy
Sun Feb 15, 2015 12:35 pm
 
Forum: Personal Consumer Issues
Topic: Mental games
Replies: 32
Views: 2493

Re: Overfilled Oil in Car - Cause of Oil Leak?

Overfilling oil doesn't cause leaks. It's not like overfilling a pot of boiling water. Oil doesn't drip over the sides. The engine is enclosed. My guess is they spilled oil on your engine while filling. They wiped up what they could and sent you on your way. +1. I'm convinced this is the main cause...
by BolderBoy
Sat Feb 14, 2015 3:01 pm
 
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 29
Views: 1555

Re: Small claims court and rental Security Deposit

Generally, security deposits are taken to "guarantee your performance on the lease". The lease called for 30 days notice of intent to vacate (was that calendar days?) Less than the 30 days agreed to was given. If it is inexpensive to file a small claims complaint, then maybe... Some Small ...
by BolderBoy
Sat Feb 14, 2015 2:48 pm
 
Forum: Personal Consumer Issues
Topic: Small claims court and rental Security Deposit
Replies: 42
Views: 1803

Re: Dealing with problematic tenants.

Ohhhh Man, I like REIT's. burt I don't know that much about REIT's. Right now, after all of the condo fees, taxes, and other ownership expenses, we net about $9000 a year in income from the condo. Say the condo is roughly valued at $120K. Can you do better than that with REIT's? Net = after taxes? ...
by BolderBoy
Sat Feb 14, 2015 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dealing with problematic tenants.
Replies: 56
Views: 3351

Re: Whole Life Insurance Assessment

frogmaster wrote:My 3 cents is to cut your losses and try to get (some dollars out now, if you can) and Invest the simple way.

I agree. Life insurance as an investment is a crummy idea for almost everyone except the salesman.
by BolderBoy
Sat Feb 14, 2015 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Whole Life Insurance Assessment
Replies: 5
Views: 507

Re: Help with personal portfolio please!

http://i.imgur.com/rMwE7S2.png In taxable your max diversification will be Total Stock and Total International Stock - they are also tax-efficient. The bonds are not tax efficient and shouldn't be held there. S&P500 is redundant when you have Total Stock. In retirement, go for lowest expenses i...
by BolderBoy
Sat Feb 14, 2015 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with personal portfolio please!
Replies: 16
Views: 1452

Re: Which masters is better investment?

Let's say a person has 2 choices: distance learning masters at UT Austin or distance learning masters at Columbia. Employer will reimburse 100% for UT but not at all for Columbia. So, would you tell your son/daughter to go to UT or Columbia? Will you see a pay raise or other work-related benefit to...
by BolderBoy
Tue Feb 10, 2015 4:38 pm
 
Forum: Personal Consumer Issues
Topic: Which masters is better investment?
Replies: 18
Views: 1656

Re: Americas best 401-k ?

First time poster & new to this. I have only read WHY SMART PEOPLE MAKE BIG MONEY MISTAKES & i know i have alot of reading to do. Wondering if anyone has read Tony Robbins book MONEY MASTER THE GAME & any thoughts about Americas best 401-k ? Curently have Lincoln Financial 401-k. A 401k...
by BolderBoy
Sun Feb 08, 2015 1:17 pm
 
Forum: Investing - Theory, News & General
Topic: Americas best 401-k ?
Replies: 11
Views: 1357

Re: New and really need help with Investing

My wife also get a 401k employer match 5% but she has not open her 401k with her employer. Combined our gross income is $150,000 and we have about $40,000 in our savings account. Also have a $16,000 credit card debt, and a mortgage. I am 34 and wife is 32 and we just had our first kid. We want to r...
by BolderBoy
Sat Feb 07, 2015 11:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: New and really need help with Investing
Replies: 42
Views: 3636

Re: Traditional IRA AND Roth IRA?

Who the hell makes more money in retirement? My father did. Retired from the military, took a teaching job for 25 years at a teacher's college in a state with a "retirement plan = average of highest 3 years salary", then added in SS. Between all three sources, he had a higher income in re...
by BolderBoy
Fri Feb 06, 2015 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA AND Roth IRA?
Replies: 20
Views: 1244

Re: How to fire a client? [software ownership issues]

If you hire a photographer, the photographer gives you final prints. He does not (in most cases) also include the copyright release to let you print your own photos, the film negatives, or any other work product at no additional charge. You paid for pictures and he gives you pictures. Software is s...
by BolderBoy
Wed Feb 04, 2015 11:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to fire a client? [software ownership issues]
Replies: 69
Views: 4889

Re: How to fire a client?

Honestly, you're making this too complicated, you're emotionally involved, and you're likely dealing with a sociopath. Organize the documentation for the next poor soul who has to deal with this guy, send out a letter, block communication. If he bothers you after that, get your lawyer to write a na...
by BolderBoy
Wed Feb 04, 2015 11:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to fire a client? [software ownership issues]
Replies: 69
Views: 4889

Re: Filed your 2014 Federal Taxes yet?

TIAX wrote:Don't forget to sell your used Turbotax CDs on ebay (noting how many returns were filed with it).

I think installing on a different computer resets the counter (though Intuit may wish it didn't) since it generates a new UUID.
by BolderBoy
Sat Jan 31, 2015 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Filed your 2014 Federal Taxes yet?
Replies: 60
Views: 4043

Re: TurboTax / IRS precision

dodecahedron wrote:That's interesting. My direct deposit refund with TT last year was the exact round number I was expecting.

Uh oh. My conspiracy theory bell is ringing... :)
by BolderBoy
Sat Jan 31, 2015 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax / IRS precision
Replies: 3
Views: 490

TurboTax / IRS precision

I first noticed this last year. Was amused, but let it go. This year, did my taxes with TT again, which rounds everything off the nearest dollar. Filed last Saturday, refund in bank on Friday. But the refund is to an exact penny amount (less than the rounded figure TT displays, BTW). So when TT does...
by BolderBoy
Sat Jan 31, 2015 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax / IRS precision
Replies: 3
Views: 490

Re: Netflix DVD delivery slowdown?

Same here. Last year (2014) I could put a disc in the mail on a Monday and receive the next disc in my queue on Wednesday. Now, when I put a disc in the mail Monday morning, I get the next disc on Friday. The turnaround time has doubled. Was 2 days, now it's 4 days. ... and on the opposite end of t...
by BolderBoy
Fri Jan 30, 2015 9:32 pm
 
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 79
Views: 10313

Re: Rental Car Prices - is this the new normal ?

To the veteran travelers here, please let me know if you guys have any tips/suggestions for car rentals. Not veteran, but was aghast at the $69/day I was being offered as the LOWEST for a trip in April. So I hit Priceline and offered $25/day - it was instantly accepted by Hertz. They make the credi...
by BolderBoy
Thu Jan 29, 2015 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 89
Views: 7842

Re: Interview question...salary

I've never cared what "the salary range" is. I know what I want (total package) for what they want done and they either offer that or not. Sometimes I am paid less than they were willing, sometimes more. But in any event if there isn't a meeting of the minds then it wasn't a good fit.
by BolderBoy
Wed Jan 28, 2015 12:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Interview question...salary
Replies: 30
Views: 3622

Re: What age did you move out?

Maybe I answered weirdly, since most are saying "18 and younger" - ran away from home I guess. I checked age 19-20. Entered military age 19 (consider that like just another set of parents), discharged age 20 moved back home & worked for for 8 months, started college, got an apartment a...
by BolderBoy
Wed Jan 28, 2015 12:00 am
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 5143

Re: Anticipating the pain

Prague wrote:Let's hope my TSP didn't get butchered too much today. I still have 35 years till withdraw.

Over the next 35 years, today wasn't even a blip.

Stay the course, stick to your plan, maintain your AA...
by BolderBoy
Tue Jan 27, 2015 11:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anticipating the pain [of one day portfolio drop]
Replies: 25
Views: 2809

Re: 36 yo looking for early retirement

I think you are doing extraordinarily well.

'twere it I, I'd get rid of all the debt. Debt can be effectively manipulated as an "asset" by a company, but not by individuals.
by BolderBoy
Tue Jan 27, 2015 11:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: 36 yo looking for early retirement
Replies: 28
Views: 4644
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