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by BolderBoy
Sun May 03, 2015 12:04 pm
Forum: Forum Issues and Administration
Topic: What's new and changed in phpBB 3.1
Replies: 27
Views: 839

Re: What's new and changed in phpBB 3.1

gkaplan wrote:It might be my imagination, but it seems that it takes a long time for submitting new posts .

Like I go to a different screen to work for a while, it takes so long...
by BolderBoy
Sun May 03, 2015 12:00 pm
Forum: Personal Consumer Issues
Topic: How To Find The Best Doctor
Replies: 16
Views: 740

Re: How To Find The Best Doctor

If you can find out who doctors and their families consult for their own medical care, that may be the most useful single guideline. Agree with this as a quick-and-dirty metric. As usual, asking the right question is paramount, so asking a nurse if she would go to Dr X for her own care means more t...
by BolderBoy
Sun May 03, 2015 11:42 am
Forum: Personal Consumer Issues
Topic: Buying ML350 - how old a car to get?
Replies: 6
Views: 308

Re: Buying ML350 - how old a car to get?

His previous and current cars have been bought when 5+ years old (he has driven a Toyota, a Nissan, a Saab, but not a luxury car). It seems we could get a 7 year old ML350 at 70-80k miles, for $15-$16k. I have a 2006 ML350 and because I drive like a little old lady, it has been a good car for me. B...
by BolderBoy
Sat May 02, 2015 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to a different state: Question about insurance
Replies: 3
Views: 313

Re: Moving to a different state: Question about insurance

One of the reasons we are a certified tax hell is when you go to register your vehicle and get your tags, guess what, they check where you bought the car. If the sales tax you paid where you bought it is anything less than the Maryland rate of 6 percent , yup, they compute the difference and you ha...
by BolderBoy
Sat May 02, 2015 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: House Next Door for Sale...Kind Of: Ethics Issue?
Replies: 35
Views: 3862

Re: House Next Door for Sale...Kind Of: Ethics Issue?

555 wrote:It sounds like you should take video footage and get the police involved.

I'll second this. The police may decide to have a talk with the owner and that may be enough to change his mind...
by BolderBoy
Sat May 02, 2015 9:07 pm
Forum: Personal Consumer Issues
Topic: Another Vexing Extension Cord Question
Replies: 10
Views: 448

Re: Another Vexing Extension Cord Question

My mower is listed as 9 amps, and the Coleman Cord says it is good for "15-a for 50 feet" and then "13-a for 100 feet. I am assuming that means the cord will deliver 15 amps for the first half, then it drops to only 13 amps from 50 feet to the very end. How warm does the cord get at ...
by BolderBoy
Wed Apr 29, 2015 9:48 am
Forum: Personal Finance (Not Investing)
Topic: lost a bid for questionable practice of seller's agent
Replies: 28
Views: 3242

Re: lost a bid for questionable practice of seller's agent

If I were in your situation and believed I had a stronger offer, I would go directly to the seller (not the seller's agent) with an offer immediately. Haha. I did this once and was called by my agent who said, "The seller's agent called and ordered me to 'control my buyer.'" It's a sleezy...
by BolderBoy
Wed Apr 29, 2015 9:17 am
Forum: Personal Consumer Issues
Topic: Free Vacation but It Will Cost Me
Replies: 13
Views: 1816

Re: Free Vacation but It Will Cost Me

Any ideas how to get bow out graciously? Miss Manners would tell you to say, "I'm sorry but I can't go." No explanation needed beyond that. If they inquire further, simply repeat the mantra. They'll eventually get the idea. If they are really bright, they'll also see that it means an extr...
by BolderBoy
Mon Apr 27, 2015 7:06 pm
Forum: Personal Consumer Issues
Topic: How far away from a freight railroad track should you live?
Replies: 51
Views: 3109

Re: How far away from a freight railroad track should you li

rakaye47 wrote:I've been looking at some houses close to a freight railroad track where the train horn is definitely audible. How far do I have to go before the sound is not bothersome?

5 miles with windows closed, 10 miles if you sleep with windows open.
by BolderBoy
Sun Apr 26, 2015 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Loaning $$ [to a friend]
Replies: 22
Views: 2046

Re: Loaning $$ [to a friend]

Need advice...I'm loaning a friend some $$ and I would like collateral. Any suggestions? This person owns a house but other than that has no other money to speak of. Would a notarized promisary note be sufficient? She is planning to sell her house this spring and I would get my money back then. Any...
by BolderBoy
Sun Apr 26, 2015 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: VA physician malpractice/tail/liability?
Replies: 2
Views: 389

Re: VA physician malpractice/tail/liability?

Wondering if anyone out there is familiar with coverage for VA physicians? Is there a need for a Veterans Affairs physician to have malpractice or other practice related insurance (liability?) other than that provided by the VA? How about something like this? http://www.fedsprotection.com/professio...
by BolderBoy
Sun Apr 26, 2015 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio + Tax Concerns
Replies: 13
Views: 865

Re: Vanguard Portfolio + Tax Concerns

Emergency funds: $480k cash (not at Vanguard, split across savings accounts) Tax Rate: Unbelievably high. 39% Federal. 12% State (I think that's the max) State of Residence: Colorado That is a crazy amount of cash. Do you really need that much cash lying around? Colorado income tax can't possibly b...
by BolderBoy
Tue Apr 21, 2015 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: What's your average monthly expense???
Replies: 85
Views: 7863

Re: What's your average monthly expense???

dreamer wrote:So now if I take all lower bound, then it gets $3706, if I take upper one, then it becomes: $4056 :dollar . On an average it generally goes between $3700 - $4200 :oops:. Does it look normal? :confused

Looks pretty average to me. I'm running $36k-$40k/yr, single, Boulder.
by BolderBoy
Tue Apr 21, 2015 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401K a no-brainer over company 401k?
Replies: 11
Views: 888

Re: Solo 401K a no-brainer over company 401k?

niceguy7376 wrote:Bolder Boy,
For Deductible Trad IRA: Having a work place retirement plan and income limitations

Ahhhh. I looked it up and it is specifically modified AGI limitations when there is a workplace retirement plan. Thanks for prodding me.
by BolderBoy
Mon Apr 20, 2015 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 4697

Re: Paying for GFs school - any way to help myself?

I think you are being exceptionally noble and a lot folks on here are not being very accepting of that. Altruism does exist and this guy sounds like he exemplifies it.

Bravo!
by BolderBoy
Mon Apr 20, 2015 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401K a no-brainer over company 401k?
Replies: 11
Views: 888

Re: Solo 401K a no-brainer over company 401k?

Hey guys, thanks for clarifying and pointing out that even a solo 401k would make me covered by a retirement plan and therefore ineligible to a deduct a traditional IRA contribution. I don't understand this. I thought the eligibility to deduct a tIRA even if you are covered by a workplace (or indiv...
by BolderBoy
Sun Apr 19, 2015 11:47 pm
Forum: Personal Consumer Issues
Topic: Overinflating Tires
Replies: 31
Views: 2788

Re: Overinflating Tires

This has been more instructive than I imagined and I thank you ALL for weighing in with lots of things to consider.

What a great forum!
by BolderBoy
Sun Apr 19, 2015 7:22 pm
Forum: Personal Consumer Issues
Topic: Overinflating Tires
Replies: 31
Views: 2788

Re: Overinflating Tires

Overinflation of tires by 10 psi will not harm the tire, although it may wear the tread a little faster since the center of the wear surface is bulged out. The normal increase in pressure is 5 psi as the tire heats up and 3-5 psi from daytime heat Tires actually run slightly cooler when they are ov...
by BolderBoy
Sun Apr 19, 2015 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: [Who is Ameriprise? Got invitation from a financial advisor]
Replies: 32
Views: 2872

Re: Ameriprise

A guy just moved into our neighborhood, indicates he is a financial advisor working for Ameriprise. He's started inviting the neighbors to his home for beer and wine tastings and I'd like to accept his invitation, but not interested in a hard sell. I'm not familiar with Ameriprise, are these folks ...
by BolderBoy
Sun Apr 19, 2015 6:03 pm
Forum: Personal Consumer Issues
Topic: Overinflating Tires
Replies: 31
Views: 2788

Overinflating Tires

Had a slowly leaking "flat tire". Put enough air in to get to my usual shop. While I was at it, I checked and adjusted the pressure in my other tires to spec. The shop fixed the flat fine and checked the other tires as well. The next day I rechecked the tires while they were cold, 3 of the...
by BolderBoy
Sun Apr 19, 2015 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for the Minimum Required Distribution
Replies: 41
Views: 3058

Re: Preparing for the Minimum Required Distribution

My marginal tax rate was 25% for 2014 but my effective rate was 12.56%. If I need to withdraw as much as I think I do at 70 1/2 and if I haven't lost or withdrawn a ton of money before then (God forbid!), I believe I will be pushed up into the 28% tax bracket. Your marginal rate is what is importan...
by BolderBoy
Sun Apr 19, 2015 4:00 pm
Forum: Investing - Theory, News & General
Topic: What Guaranteed Return Would You Require to Move All Assets
Replies: 54
Views: 3176

Re: What Guaranteed Return Would You Require to Move All Ass

LFKB wrote:Also, there is a thing called an annuity that is essentially what I described so it's not "fantasy." I just phrased the question differently.

Is an annuity a "fund"? That is the term you used in your question.
by BolderBoy
Sun Apr 19, 2015 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for the Minimum Required Distribution
Replies: 41
Views: 3058

Re: Preparing for the Minimum Required Distribution

Can anybody give me some suggestions? Or should I just bite the bullet and set up an appointment with a CPA? You can do that, too. Do you know what your marginal tax bracket is NOW and expected to be until age 70ish? Are you certain that you'll be in a higher bracket when you start taking RMDs (I w...
by BolderBoy
Sun Apr 19, 2015 3:43 pm
Forum: Investing - Theory, News & General
Topic: What Guaranteed Return Would You Require to Move All Assets
Replies: 54
Views: 3176

Re: What Guaranteed Return Would You Require to Move All Ass

So let's say hypothetically there is a fund with a 100% guarantee to return exactly X% every year for the next 25 years. If you are to buy this fund, you are required to liquidate your entire portfolio and move all your invested capital into the fund. What is the lowest X (annual return) that you w...
by BolderBoy
Sun Apr 19, 2015 10:32 am
Forum: Personal Consumer Issues
Topic: Anyone here experience a change to a "right to work" state
Replies: 14
Views: 1444

Re: Anyone here experience a change to a "right to work" sta

I guess I could use some education about unions, but I thought that union dues and such went to pay for administrative stuff related to the union - salaries of union officials and workers, infrastructure of the union (offices, pens paper, etc., even if on a national scale.) The other items you menti...
by BolderBoy
Sun Apr 19, 2015 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Coming to terms with low risk tolerance
Replies: 46
Views: 3488

Re: Coming to terms with low risk tolerance

I settled on 40% stocks, 5% real estate, 55% bonds/cash. I know that in the long run this will hurt me financially. But I rationalize it with the intangible cost of financial anxiety. Nothing wrong with that AA. Do a Google search for "The Efficient Frontier" and pay attention to the grap...
by BolderBoy
Sat Apr 18, 2015 3:16 pm
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 112
Views: 18452

Re: Netflix DVD delivery slowdown?

Hah! Two variables in play where I live - the USPS and Netflix. So I decided to check up on the one that I could - the USPS. Sure enough, they simply skip collecting mail from the outside collection boxes when they don't want to collect that mail. I watched two locations on several different days an...
by BolderBoy
Sat Apr 18, 2015 1:07 pm
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 1781

Re: What Is The Worst Car You Have Ever Owned?

2000 and 2001 Mercedes E320s. To call them junk is to insult junk collectors everywhere. I can't begin to tell you what trash those two model years were. (you'll remember that Mercedes and Chrysler married for a short time, and this was one result of that)
by BolderBoy
Sat Apr 18, 2015 1:04 pm
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 1781

Re: What Is The Worst Car You Have Ever Owned?

1991 Dodge Colt. The thing had a curb weight just under 2000 pounds I think (avg for a mid-size car is 3500 pounds) and the tires were these 13" ones about as wide as some bicycle tires (exaggerating slightly here). I lived in Maine and honestly was taking my life in my hands anytime it snowed...
by BolderBoy
Sat Apr 18, 2015 12:56 pm
Forum: Personal Consumer Issues
Topic: Marginal benefit of spending more on car
Replies: 83
Views: 6496

Re: Marginal benefit of spending more on car

What does going from $5k to $10k get me (in terms of reliability, performance, comfort, safety, properly designed cupholders, etc.)? I think you've itemized out what you need to rank-order so that you can decide. I don't look at cost first. I'm interested in safety first and rank other things behin...
by BolderBoy
Sat Apr 18, 2015 12:48 pm
Forum: Personal Consumer Issues
Topic: Township replacing parking meters with kiosks. Is this bad?
Replies: 9
Views: 491

Re: Township replacing parking meters with kiosks. Is this

The worst aspect, however, is that I believe we will lose the ability to "piggyback" on previous parker's time. With traditional meters, I could see which meter had time remaining before deciding where to park (the meters with no time remaining blink.) I think this option won't exist anym...
by BolderBoy
Sat Apr 18, 2015 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Still having a hard time on retiring
Replies: 43
Views: 6342

Re: Still having a hard time on retiring

The question I have is the FIRECalc how much faith would you put in too that calculator?? A lot! It was the final decision maker for me. Even with wildly pessimistic numbers, FIREcalc (and cFIREsim) both showed I could retire without much worry going forward. But I wonder about this for you - if yo...
by BolderBoy
Sat Apr 18, 2015 12:18 pm
Forum: Investing - Theory, News & General
Topic: "What Experts Say About Jack Bogle"
Replies: 8
Views: 2541

Re: "What Experts Say About Jack Bogle"

I have never had the pleasure of meeting Jack Bogle but I have enjoyed every video interview of him. He is the type of person who wears very well. The more that I see him interviewed, the more impressed I am. He is so down-to-earth and personable, you can't imagine. One of those people who is compl...
by BolderBoy
Sat Apr 18, 2015 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Taking stock at midlife financially
Replies: 20
Views: 3441

Re: Taking stock at midlife financially

Hello all I have been a reader for some time on this forum, but this is my first post. I am in my mid forties and at a point where I have been working for 20+ years - started working right after college. I have a net worth of around 1.5 MM not including my home. I have around 50K of mortgage left o...
by BolderBoy
Sat Apr 18, 2015 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Stocks are on sale, should I buy?
Replies: 54
Views: 5862

Re: Stocks are on sale, should I buy?

singern wrote:If beer or peanut butter was on sale I would stock up. I'm kind of thinking I should do the same with my VTSMX!

"Sale! 1.5% Off!" Would you even react to such a sign in a store? Just invest as your plan directs you to do.
by BolderBoy
Sat Apr 18, 2015 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Is this an index fund?
Replies: 16
Views: 1426

Re: Is this an index fund?

Answer to the "subject line" of your post = "No."
by BolderBoy
Fri Apr 17, 2015 7:28 pm
Forum: Investing - Theory, News & General
Topic: NY Times Article - Active Mutual Funds
Replies: 25
Views: 3048

Re: NY Times Article - Active Mutual Funds

From the article: "The Morgan Stanley report says that investors can benefit from actively managed mutual funds by carefully choosing funds that focus on areas where it is easier for active managers to outperform, like international and small company stocks." Let's see, on average over th...
by BolderBoy
Fri Apr 17, 2015 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6098

Re: My job says I can't work for anyone else...

I'm employed as a W2 with my current job as a doc. In the employment contract I signed it says I can't work for another company as a doc while I'm employed with them. I'm wondering, how enforceable is this? Can they fire me if I choose to pursue a side gig? I was offered a contract with a "no ...
by BolderBoy
Fri Apr 17, 2015 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Mom retiring next year....help
Replies: 3
Views: 638

Re: Mom retiring next year....help

My question is what do i do with the 401k and the annuity cash coming through this summer. I was advised to do an IRA for her for 2015 and 2016 and then next year when she retires just to put the rest in a taxable account (both accounts in VTXVX. Any other suggestions or ideas? Thoughts? How much d...
by BolderBoy
Fri Apr 17, 2015 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Need help on revamped portfolio
Replies: 5
Views: 432

Re: Need help on revamped portfolio

3. Precious metals. Prior to revamping this portfolio, I had just over 1% in USAA Precious Metals and Minerals Fund (USAGX) (ER = 1.24%). I sold it to harvest the 50% capital gains LOSS in order to let me sell other funds without incurring CG tax on them. So, should I reinvest that same money in pr...
by BolderBoy
Fri Apr 17, 2015 9:46 am
Forum: Investing - Theory, News & General
Topic: New Vanguard White Paper: "Factor-based investing" (Apr '15)
Replies: 21
Views: 3182

Re: New Vanguard White Paper: "Factor-based investing" (Apr

What is their overall recommendation on factor investing as part of a buy and hold portfolio? I find it somewhat amusing that we have progressed from: Active -> Passive -> "Smart" Passive -> ??? This looks vaguely familiar. Gus Sauter gave a talk at the 2014 BH conference in which he had ...
by BolderBoy
Tue Apr 14, 2015 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Is there a "filling the trough" strategy?
Replies: 12
Views: 1890

Re: Is there a "filling the trough" strategy?

I'd be very interested in what FIREcalc.com or cFIREsim.com show when you plug your numbers in there and tweak them for various scenarios. Your investing horizon approaches 40 years so it could give you some solid insight.
by BolderBoy
Sun Apr 12, 2015 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone semi-retired? What's it like?
Replies: 16
Views: 2539

Re: Anyone semi-retired? What's it like?

BolderBoy, did you ever consider job sharing or other part time arrangements? No, I was pretty fried by the time I decided to step aside and go PRN - the staff said that my attitude changed completely. Prior to going PRN, little things that didn't bother the younger folks were irking me pretty regu...
by BolderBoy
Sun Apr 12, 2015 11:29 am
Forum: Personal Consumer Issues
Topic: Kitchen upgrade - granite selection help
Replies: 52
Views: 4342

Re: Kitchen upgrade - granite selection help

Kitchen roughly needs 50sq ft of granite and 40 sq ft of backsplash tile, my budget is about $4k. Is it even possible to do at that price? Anyway, I'd go with lighter granite if your kitchen is "dark" and the reverse if your kitchen is bright. Personal experience with using Blue Pearl in ...
by BolderBoy
Sun Apr 12, 2015 11:24 am
Forum: Personal Consumer Issues
Topic: protecting passport from damage
Replies: 23
Views: 1614

Re: protecting passport from damage

I wrap mine in household aluminum foil to thwart the folks with RFID readers. Attended a citizen's police academy where the computer forensic tech guy said that aluminum foil is what the cops nationwide use to protect elec devices from outside meddling until they get 'em to the lab.
by BolderBoy
Sun Apr 12, 2015 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Another new two comma club member
Replies: 13
Views: 1642

Re: Another new two comma club member

FedGuy wrote:I just added up my various accounts, and it looks like I've crossed the threshold.

"My heart soars like a hawk!"
by BolderBoy
Sun Apr 12, 2015 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Please critique my financial health
Replies: 9
Views: 1649

Re: Please critique my financial health

Deviceguy87 wrote:Any other advice is greatly appreciated.

I would be boosting the emergency fund a LOT. If you vastly overfund it now you'll have security in the short term and can use the overfunded portion to good advantage after you graduate and things settle down again.
by BolderBoy
Sun Apr 12, 2015 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Anyone semi-retired? What's it like?
Replies: 16
Views: 2539

Re: Anyone semi-retired? What's it like?

Would the posters mind stating their occupations that they semiretired from- it might be informative. Anesthesia. Was going to simply retire and walk away at age 61 but freaked out about not having anything to do, so made a deal to be available prn for the old group. First 12 months they called me ...
by BolderBoy
Sun Apr 12, 2015 10:07 am
Forum: Investing - Help with Personal Investments
Topic: A 100% newbie asking for advise desperately
Replies: 10
Views: 759

Re: A 100% newbie asking for advise desperately

Spend some time reading in the wiki associated with this forum. You need to come up with a plan overall. After a bit of reading it will start to come together that there is a unified way to do all of this. You have lots of pieces of the puzzle and just need a nudge and the wiki may provide that for ...
by BolderBoy
Sun Apr 12, 2015 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Rental Real Estate beats bonds anytime
Replies: 13
Views: 1325

Re: Rental Real Estate beats bonds anytime

Bonds yield nothing these days. Why not go into single family homes. $100,000 home gets you 10% ($1000/month) here. No way bonds will ever yield anything more than 1% in the next 10 Years. Portfolio allocation (stock/bond) doesn't work if bonds pay nothing. That isn't the purpose of holding bonds i...

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