Search found 2369 matches

by BolderBoy
Mon Aug 29, 2016 9:08 am
Forum: Personal Consumer Issues
Topic: Advice needed for period between company sponsored health insurance and Medicare
Replies: 6
Views: 610

Re: Advice needed for period between company sponsored health insurance and Medicare

retire14 wrote:1. Can I still contribute to HSA in 2017 even if I am covered only for 1/2 year under high deductible plan?

You prorate the amount you can contribute to stop at the month you start taking Medicare. Take Medicare in May, you can contribute 4/12 of the total for the year.
by BolderBoy
Fri Aug 26, 2016 11:15 am
Forum: Investing - Help with Personal Investments
Topic: How did I do?
Replies: 34
Views: 2387

Re: How did I do?

Also no one has yet answered this. 1. For the long haul, is an ETF better than a mutual fund, or the other way around? I don't have any ETFs, but my understanding is that one difference between ETFs and Mutual Funds is that ETFs are only bought and sold in whole shares whereas MFs can be bought / s...
by BolderBoy
Thu Aug 25, 2016 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Auto W/D with SpecID (specific lot ID) turned on
Replies: 2
Views: 220

Auto W/D with SpecID (specific lot ID) turned on

Bond fund with reinvest turned off and SpecID turned on. If I make manual withdrawals, the website asks me to pick from which lot(s) the shares are to be removed. Okay. But what if I turn on automatic withdrawals, how does VG choose which lots to sell from? Oldest (same as FIFO, right?) Newest? (LIF...
by BolderBoy
Wed Aug 24, 2016 12:24 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 39
Views: 3135

Re: Aug. 2017 US total eclipse hotel reservations.

This might be a dumb question, but, how do you book a hotel that far in advance? Online bookings don't go out that far. I called a couple of 800 numbers, and was told the same thing. The Hilton chain allows 1 yr out booking on-line. I was on-line at 1201am Aug 20 and everything was already booked. ...
by BolderBoy
Wed Aug 24, 2016 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Retirement: Where $200K Will Last 30 Years
Replies: 66
Views: 9592

Re: Retirement: Where $200K Will Last 30 Years

Doctors are prohibited in Pennsylvania by state law from doing balance billing for Medicare patients. Lots of folks around here go to the Commonwealth for their surgeries and oncology case care for that reason. Another plus for PA, altho I have never heard it cited as a good reason to retire there....
by BolderBoy
Wed Aug 24, 2016 9:20 am
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 39
Views: 3135

Re: Aug. 2017 US total eclipse hotel reservations.

I have been waiting for it since 2013. Fortunately, I only live a few hours away from the path. I guessing I won't have much trouble getting a hotel in Wyoming or western Nebraska, but I'll check. All the major chains are booked solid for a radius of 200+ miles from Casper. I found 3 rooms still av...
by BolderBoy
Sun Aug 21, 2016 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: SolarCity SolarBonds 6.5%
Replies: 28
Views: 3427

Re: SolarCity SolarBonds 6.5%

SCTY's market cap has fallen from $6bn in 2014 to $2bn today. Free cash flow BURN is about $1bn over past 4 quarters. There is no organic cash flow to pay off upcoming maturities of over $300 million in 2016 and about $900 million in 2017. SCTY is completely reliant on either refinancing debt matur...
by BolderBoy
Fri Aug 19, 2016 2:26 pm
Forum: Investing - Theory, News & General
Topic: Update: Emory & Columbia; New Fiduciary cases: 403b's at MIT Yale NYU & Duke Hopkins Penn Vanderbilt
Replies: 59
Views: 4601

Re: Update: Emory & Columbia; New Fiduciary cases: 403b's at MIT Yale NYU & Duke Hopkins Penn Vanderbilt

Today, you can add Morgan Stanley to the tidal wave of employee lawsuits over "fiduciary responsibility" and 401k plans.
by BolderBoy
Thu Aug 18, 2016 2:42 pm
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 86
Views: 5929

Re: Improving the Bogleheads forum

Well that was simple enough. Thanks. If I'd only clicked on "view list" I'd have had my answer.
by BolderBoy
Thu Aug 18, 2016 2:17 pm
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 86
Views: 5929

Re: Posts that most users cannot see?

Yes. Here is a screen capture of the top part of what I see and it is also what I think most visitors to the forum see: http://i68.tinypic.com/2ewmfid.jpg Note: No stickies. No "Policies and Etiquette" and No "Asking Portfolio Questions." It is little wonder that many new poster...
by BolderBoy
Thu Aug 18, 2016 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Just began my career and would love help investing!
Replies: 22
Views: 2122

Re: Just began my career and would love help investing!

Thank you for the reply. Yes, my wife and I gross about 270k. I think 47k/yearly should be enough, she'll be getting a pension as well. How can I be sure we'll have enough? It is quite early in the game for you, but you could see what FIREcalc.com and/or cFIREsim.com give you for estimates as to wh...
by BolderBoy
Thu Aug 18, 2016 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Donate securities, have charity use assets to purchase (my) house
Replies: 13
Views: 746

Re: Donate securities, have charity use assets to purchase (my) house

I don't see anything wrong with this, so long as you have no influence over the BoD of the charity. The wording of your original posting makes it look like a quid pro quo transaction, but in fact it is not, right? 1. You want to sell your house. 2. You have some securities to donate to a charitable ...
by BolderBoy
Wed Aug 17, 2016 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Input on financial situation-if you don't mind
Replies: 4
Views: 364

Re: Input on financial situation-if you don't mind

Debts -about $18k balance on student loan (interest rate is 2% and payment is $225 per month) I would pay this off now. Allocation I really like VBIAX (60% stocks/40% bonds), VBTLX (100% US bonds), and VSTAX (100% stocks). I like a 60/40 AA for you, though 70/30 wouldn't be horrible, either. So..pl...
by BolderBoy
Wed Aug 17, 2016 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Earlier Retirement with Lower Pension?
Replies: 26
Views: 2782

Re: Earlier Retirement with Lower Pension?

Have you run your scenarios through FIREcal.com or cFIREsim.com?

That close to retirement, the 80/20 would be too rich for my blood.
by BolderBoy
Wed Aug 17, 2016 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Utility Holding Strategy - Feedback Please - VUIAX
Replies: 15
Views: 522

Re: Utility Holding Strategy - Feedback Please - VUIAX

Market timing. I presume you'd sell-into-cash. What if it goes back up the next day and you are locked out for a while?
by BolderBoy
Wed Aug 17, 2016 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Borrowing money to invest. Good idea?
Replies: 68
Views: 4240

Re: Borrowing money to invest. Good idea?

With mortgage rates low, I can get a 10 year HELOC for a 4% fixed interest rate. I can borrow a six figure sum if I choose. It is tempting to invest it in the stock market, as the market has returned a 8.5% average ROI for me over the last 10 years. This precise reasoning was used by many folks in ...
by BolderBoy
Wed Aug 17, 2016 2:21 pm
Forum: Personal Consumer Issues
Topic: Receiving refund for product in exchange for giving up right to sue
Replies: 9
Views: 1306

Re: Receiving refund for product in exchange for giving up right to sue

I know nothing about this particular "class action", but my understanding (as well as one or two very small checks received over the years) is that most of the time the major financial beneficiaries of such class actions are attorneys and law firms. Since this does not involve personal in...
by BolderBoy
Wed Aug 17, 2016 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Little-used second home: sell at a loss or rent?
Replies: 26
Views: 1961

Re: Little-used second home: sell at a loss or rent?

I was in the identical position with our mountain log home in 2008 when we decided to spend the entire year in our Florida home. Real estate prices, particularly on vacation property, had tanked and rental agents had proposed we put it in the rental market. We sold at a loss of about $70,000 and we...
by BolderBoy
Wed Aug 17, 2016 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Help. My boss is expecting me to read her mind.
Replies: 53
Views: 3397

Re: Help. My boss is expecting me to read her mind.

I have a new boss. I think she wants me to quit or going to fire me. She required that I cc her on email. She required that I don’t talk to anyone outside of our department. My job is paying invoices. She rejected that I sent her an invoice for approval with abbreviation like SFO. Do you do the act...
by BolderBoy
Wed Aug 17, 2016 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Military Doc Portfolio Feedback
Replies: 5
Views: 608

Re: Military Doc Portfolio Feedback

My concerns are: -Is having 11 funds excessive? My biggest concern would be how will you rebalance this with so many funds? The best diversification possible is by owning everything. Do you have Total Market index funds available to you? If you do, then an equity and bond fund would be all you need...
by BolderBoy
Tue Aug 16, 2016 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else getting nervous and converting to cash as a short-term move?
Replies: 115
Views: 9986

Re: Anyone else getting nervous and converting to cash as a short-term move?

No. Ignore the financial media - they don't know anything more than you (or I) do.
by BolderBoy
Tue Aug 16, 2016 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Windfall
Replies: 6
Views: 927

Re: Advice on Windfall

The plan was to pay off the 8% loan and invest the rest. Any suggestions? (livesoft beat me to it) General Boglehead suggestions are to maximize all retirement space this year (the 457 if that is all you have presently, IRAs for you and your wife and so forth) then to attack debt, particularly the ...
by BolderBoy
Tue Aug 16, 2016 12:18 pm
Forum: Personal Consumer Issues
Topic: AAA Car Batteries
Replies: 44
Views: 8538

Re: AAA Car Batteries

I had the same vision. A trunk full of Duracells. As an upgrade from the Mercedes AA Class https://www.youtube.com/watch?v=arQ8_PW-RiA I changed my 8 y/o, OEM battery simply because people were telling me, "it can't last much longer." Wasn't having any trouble starting. A form of battery ...
by BolderBoy
Sun Aug 14, 2016 9:49 pm
Forum: Personal Consumer Issues
Topic: Epson Multimedia Projectors for TV Home Theater - Advice Needed
Replies: 1
Views: 192

Re: Epson Multimedia Projectors for TV Home Theater - Advice Needed

Does anyone have any experience with Epson Multimedia Projectors for use in a Home Theater System? Specific models and any installation advice (tips, tricks, traps) would be greatly appreciated. Thank you, in advance. I don't have that brand, but I have some experience to offer. I don't know how da...
by BolderBoy
Sun Aug 14, 2016 9:36 pm
Forum: Personal Consumer Issues
Topic: Post Office Boxes-Junk and prior renter's mail
Replies: 32
Views: 2021

Re: Post Office Boxes-Junk and prior renter's mail

I recently rented a box at the post office, primarily to have a secure place for mail for the times that I travel. I used to have a POBox for this reason. Then I discovered that the USPS will "hold mail" and deliver it again when you want. So I ditched the POBox. In my experience, they wi...
by BolderBoy
Sun Aug 14, 2016 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Am I doing this right? (Question regarding Vanguard Roth IRA)
Replies: 6
Views: 541

Re: Am I doing this right? (Question regarding Vanguard Roth IRA)

Should I just buy shares regardless of the price? Yes! Absolutely! I don't have a money market (sweep fund) in any of my retirement accounts and the contributions were invested immediately with every paycheck (retired now, so this is how I used to do it.) I'd wager that most BHs did/do the same. Pl...
by BolderBoy
Sun Aug 14, 2016 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Finding middle ground with spouse on investing
Replies: 30
Views: 3118

Re: Finding middle ground with spouse on investing

I think the most important thing to me is (a reasonable chance of) beating inflation. A 30/70 asset allocation will likely do that (long term) and I can tell you from personal experience that a 40/60 will do it. You've commented about the "beating inflation" a couple of times. Would a 35/...
by BolderBoy
Sun Aug 14, 2016 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: what to buy when stock market is a new high?
Replies: 37
Views: 5242

Re: what to buy when stock market is a new high?

Still have about 150k in my Vanguard account, what to buy now? Thinking of buying total domestic stock market index and an energy index fund, but they are also at high point? should I wait for a pull back? thanks Is the $150k in cash, waiting to be invested? The total domestic stock index is usuall...
by BolderBoy
Sun Aug 14, 2016 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: What to buy now? as of Aug 2016
Replies: 3
Views: 564

Re: What to buy now? as of Aug 2016

The current high priced U.S equity market seems less attractive for me to buy now, but I will not try to sell any of the current position. What i am talking now is just how to invest the new contribution money. I don't understand all that P/E stuff so I don't pay any attention to it (never have). P...
by BolderBoy
Sun Aug 14, 2016 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Change needed and baby on the way
Replies: 9
Views: 967

Re: Change needed and baby on the way

1) What is the best use for our cash for investment? I was thinking of paying down the highest interest portion of education loans. Are you maxing out all your retirement plan spaces (401k, 403b, IRAs (or backdoor Roth if you can)? If you are, then tackling debt is usually recommended next. 2) I wo...
by BolderBoy
Sun Aug 14, 2016 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth vs. Roth 401(k)
Replies: 8
Views: 685

Re: Backdoor Roth vs. Roth 401(k)

Mayday wrote:Already contributing enough for the ER match on the 401(k) but have to decide whether to contribute the $5,500 that has historically gone into the Roth, into the Roth option on the 401(k) or to IRA then convert.

Showing my ignorance, but what does "ER match" mean?
by BolderBoy
Sun Aug 14, 2016 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Understanding 401(k) Contribution Limits
Replies: 10
Views: 1089

Re: Understanding 401(k) Contribution Limits

The 401(k) contribution limit is $18,000. If Bob earns $70,000 in a year and invests $5,000 in his 401(k), he only pays income taxes on $65,000, right? Yes. If Bob invests $20,000 in his 401(k), does that mean he pays income taxes on $50,000 or $52,000? Don't try to put $20k in when the limit is $1...
by BolderBoy
Sun Aug 14, 2016 11:01 am
Forum: Personal Consumer Issues
Topic: Post Office Boxes-Junk and prior renter's mail
Replies: 32
Views: 2021

Re: Post Office Boxes-Junk and prior renter's mail

Zott wrote:I recently rented a box at the post office, primarily to have a secure place for mail for the times that I travel.

I used to have a POBox for this reason. Then I discovered that the USPS will "hold mail" and deliver it again when you want. So I ditched the POBox.
by BolderBoy
Sun Aug 14, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: Advice for Trip to Rocky Mountain National Park in Late September
Replies: 23
Views: 1446

Re: Advice for Trip to Rocky Mountain National Park in Late September

Most of my hikes are in NH these days so not really an issue. Headlamps often used in the winter because day light is so short. Some outings are long enough just hard to get around it. Mountain lions were around back in the day when I was living in Boulder, and every few years some trail runner was...
by BolderBoy
Sun Aug 14, 2016 9:58 am
Forum: Investing - Help with Personal Investments
Topic: What to do with $50k Savings
Replies: 2
Views: 605

Re: What to do with $50k Savings

k13 wrote:(from Ontario, Canada by the way).

There is a sister Bogleheads website for Canadians: http://www.financialwisdomforum.org/

It has a wiki with lots to learn before you embark.
by BolderBoy
Sat Aug 13, 2016 8:44 pm
Forum: Personal Consumer Issues
Topic: Advice for Trip to Rocky Mountain National Park in Late September
Replies: 23
Views: 1446

Re: Advice for Trip to Rocky Mountain National Park in Late September

I have started many hikes and climbs by headlamp. Modern headlamps are wonderfully effective, light and not expensive. On any hike of note, even if very unlikely to use it, I toss one in the pack. This is all the more true as it gets into winter. Wow. More hard core hiker than I. Good for you. Moun...
by BolderBoy
Sat Aug 13, 2016 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: How to save and use money for future expenses
Replies: 1
Views: 361

Re: How to save and use money for future expenses

I'm 33 and single. Background : Emergency fund (4 months) I have about $230k in taxable brokerage account(stocks and mutual funds). Roth 401k $18k + company contribution Mortgage: $220k left, 2.625%, 15 year, $2700/month including mortgage+tax+hoa+utilities. Not planning to live over 10 years. Inco...
by BolderBoy
Sat Aug 13, 2016 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Any lawyers out there. Bike hits car, minor and parents have no insurance
Replies: 91
Views: 6464

Re: Any lawyers out there. Bike hits car, minor and parents have no insurance

Just remember this is a 15 year old girl who crashed her bike. Hard to teach a kid a lesson when they didn't do something wrong. I'll take issue with this. Her behavior caused damage to someone else's property. To let her believe she did nothing wrong obviates her responsibility for her behavior, d...
by BolderBoy
Sat Aug 13, 2016 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Any lawyers out there. Bike hits car, minor and parents have no insurance
Replies: 91
Views: 6464

Re: Any lawyers out there. Bike hits car, minor and parents have no insurance

In Colorado its against the law to drive without insurance. When an uninsured driver rear ended me causing $1400.00 in damages they were unable to pay. So I complained to the local police and they arrested the driver and the courts issued a restitution order. They garnished his wages when he got a ...
by BolderBoy
Sat Aug 13, 2016 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Help - Questining advice from First Command
Replies: 8
Views: 768

Re: Life Insurance Help - Questining advice from First Command

Is there any value in keeping the WL policies at this point to be part of my estate I'd cash them in right now. I've done that with every WL policy I ended up with for whatever reason. Cashed them in the minute I learned about them. I was discharged from the USAF the end of December one year, and c...
by BolderBoy
Sat Aug 13, 2016 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off student loans quickly versus investing
Replies: 23
Views: 1635

Re: Paying off student loans quickly versus investing

Just remember about the 401k: if you're funding a 401k at the 15% bracket and retire at the 25% bracket, may not be that advantageous to fund the traditional 401k. If you want to talk about a Roth 401k that will also put a wrinkle in your plans. Yep I've checked out the tax brackets. I'm at the 28%...
by BolderBoy
Sat Aug 13, 2016 2:11 pm
Forum: Personal Consumer Issues
Topic: Personal information compromise
Replies: 3
Views: 521

Re: Personal information compromise

Hopefully whoever did receive it (from someone they didn't know) was smart enough to know to DELETE the email without opening any of the attachments attachments.
by BolderBoy
Sat Aug 13, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: Advice for Trip to Rocky Mountain National Park in Late September
Replies: 23
Views: 1446

Re: Advice for Trip to Rocky Mountain National Park in Late September

sixtyforty wrote:If you want to hike in RMNP, you'll need to get an early start, no later than 6AM. Earlier the better.

Last two weeks of September don't you think it will be pitch black at 6am or earlier?

And to the OP, Trail Ridge Road may be closed by then, due to snow.
by BolderBoy
Sat Aug 13, 2016 1:49 pm
Forum: Personal Consumer Issues
Topic: Do you wash your car yourself, or have it done?
Replies: 96
Views: 5379

Re: Do you wash your car yourself, or have it done?

Every 3ish months to the touchless car wash for $10. I don't drive much.
by BolderBoy
Sat Aug 13, 2016 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Paying off student loans quickly versus investing
Replies: 23
Views: 1635

Re: Paying off student loans quickly versus investing

I would recommend maxing out a 401(k) and Roth IRA first, because getting money into tax-deferred space gives a permanent benefit. But given your rates, making extra payments on the loan is better than taxable investments; you'll earn a risk-free 6.8%, and have more money to invest in your taxable ...
by BolderBoy
Sat Aug 13, 2016 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Any lawyers out there. Bike hits car, minor and parents have no insurance
Replies: 91
Views: 6464

Re: Any lawyers out there. Bike hits car, minor and parents have no insurance

I have a $500. deductible. The insurance is passing it to collections. If collections has no luck, should I take her to small claims court. I don't mean to be heartless, but the kids had iPhones, nice clothes and had just bought sneakers. Collection agencies have infinitely more resources and time ...
by BolderBoy
Sat Aug 13, 2016 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Are there any smart ways to pay off a credit card?
Replies: 27
Views: 2053

Re: Are there any smart ways to pay off a credit card?

White Coat Investor wrote:You don't pay off debt by taking on more debt.

+1

That is the key! Never do this.
by BolderBoy
Sat Aug 13, 2016 11:16 am
Forum: Investing - Theory, News & General
Topic: Confession~ I timed the market today
Replies: 31
Views: 3347

Re: Confession~ I timed the market today

I don't think "timing" applies to withdrawals. :oops: I don't think " timing" applies to purchases when the item is "on sale". :oops: Timing is everything when it comes to money and gunfights. :oops: +1 I'm not impressed that the OP was doing the "classic market t...
by BolderBoy
Fri Aug 12, 2016 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to save for a down payment
Replies: 2
Views: 547

Re: Best way to save for a down payment

These represent probably 80% of my total portfolio, it's not accounted for in the above percentages. I am aggressively DCAing out of it, worried about execution risk of selling low but I know the folly of not being diversified. A wise BH explained to me some years ago that DCAing is for BUYING into...

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