Search found 3847 matches

by BolderBoy
Mon May 21, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Medicare and Cataract surgery - one or two charges?
Replies: 31
Views: 1366

Re: Medicare and Cataract surgery - one or two charges?

At some point in the future, it is near certain that I will need cataract surgery. My understanding is that this is generally (in the US) done one eye at a time. Am I correct that (under medicare rules) this would be two surgeries and two charges? From what I read, in some other countries - it is m...
by BolderBoy
Thu May 17, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Free skin cancer screenings
Replies: 26
Views: 2235

Re: Free skin cancer screenings

I was browsing the web and stumbled on an announcement that May is Skin Cancer Awareness Month, and the American Academy of Dermatology is providing free skin cancer screenings. TANSTAAFL! Ever the cynic I'd view this like the "open house" event put on by realtors: primary goal is to get your name/...
by BolderBoy
Tue May 15, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Do I tell Social Security I retired?
Replies: 32
Views: 3927

Re: Do I tell Social Security I retired?

Also be aware that the word "retired" or "retirement" means something entirely different to SS, as they equate it with a request for benefits. I would suggest staying off of their radar until you want to file. This is good advice. Follow it. In the meantime, since you registered for an on-line acco...
by BolderBoy
Tue May 15, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Rental Car : Paying Toll tax in Texas for a CA resident
Replies: 15
Views: 1439

Re: Rental Car : Paying Toll tax in Texas for a CA resident

Likely, you will get a a mysterious charge from your rental car company weeks after the rental for the total plus an administrative fee. It was $30 plus $5 for the toll for me. Further broken down: toll: $0.30 toll company administration fee: $4.70 rental car company fee: $30 It's the new rip-off m...
by BolderBoy
Tue May 15, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Helping someone with Cancer
Replies: 21
Views: 1311

Re: Helping someone with Cancer

mak1277 wrote:
Tue May 15, 2018 9:19 am
I think what my mom appreciated most was having someone come clean her house for her.
This. Enormously helpful.
by BolderBoy
Fri May 11, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 47
Views: 4455

Re: Which City to spend 4-6 weeks?

Theseus wrote:
Tue May 08, 2018 5:17 pm
I'd appreciate if BHs have any suggestions. If I enjoy this, I will do this every year in a different location. So more suggestions are definitely welcome.
Dublin?
by BolderBoy
Tue May 08, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Whole house fan
Replies: 5
Views: 1127

Re: Whole house fan

..... Mine is made by Triangle Engineering (google it), is a real beast and has been in place for 10 years now without issues and gets used almost daily from early May thru September/October. It is running right now, matter of fact. Outside temp this morning was 55 when I turned it on 30 minutes ag...
by BolderBoy
Tue May 08, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Comparing 2 physician jobs
Replies: 69
Views: 5905

Re: Comparing 2 physician jobs

I did option 1 for 20 years (high income in a rural area). Made partner, then sold our practice to the hospital for a tidy sum. Worked as hospital employee for several years. Then finally got sick of snow, am now doing option 2 in sunny Los Angeles. Both options have their pros and cons. The money ...
by BolderBoy
Tue May 08, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Whole house fan
Replies: 5
Views: 1127

Re: Whole house fan

Anyone had any experience with a Centric Air "Comfort Cool" attic fan? I know "Quiet Cool" fans are pretty popular, but from videos I've seen it looks like the "Comfort Cool" has a better warranty and is quieter. Just to be sure we are talking about the same thing, a "whole house fan" is different ...
by BolderBoy
Mon Apr 30, 2018 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Asked to be Executor - What questions to ask
Replies: 39
Views: 3394

Re: Asked to be Executor - What questions to ask

What other issues or questions should be concerned with? They are working with an eldercare attorney to update their will, so it has a higher probability of covering most contingencies than many. The #1 question I would ask is whether they've set up EVERYTHING possible as BOD/TOD/POD. IMO, the Will...
by BolderBoy
Mon Apr 30, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Favors for Family/Friends and Getting Compensated or Not?
Replies: 39
Views: 3228

Re: Favors for Family/Friends and Getting Compensated or Not?

Alexa9 wrote:
Sun Apr 29, 2018 2:10 pm
I told them this diplomatically but I feel I may have offended them or maybe they just expect free favors because it's family.
You need to learn how to say, "No.", and let that be it.
by BolderBoy
Sat Apr 28, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Should I change careers?
Replies: 52
Views: 3798

Re: Should I change careers?

... since I plan to put the capital at risk by buying and holding a very concentrated basket of stocks (8-15 in total) for the next couple of decades with low turnover. This is the only part of your plan that gives me the willies. Instead of trying to find the needles in the haystack, why not just ...
by BolderBoy
Fri Apr 27, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Quick question: inherited real estate - how to get a tax basis?
Replies: 17
Views: 1432

Re: Quick question: inherited real estate - how to get a tax basis?

IlliniDave wrote:
Thu Apr 26, 2018 11:07 am
I had thought to simply hire a certified appraiser and get the property appraisal to establish a basis.
Why not simply use the most recent county Assessor's tax assessment value of the property? No cost for that.
by BolderBoy
Fri Apr 27, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: how would you handle this--collecting life insurance
Replies: 31
Views: 2953

Re: how would you handle this--collecting life insurance

aquamarine wrote:
Wed Apr 25, 2018 11:24 am
I do not have experience dealing with insurance companies and will appreciate any wisdom on how to handle resolving this. Thanks
I went through this last year. Took a month to get the forms by which time I got 3 sets by USPS and two sets by email. Sorry for your loss.
by BolderBoy
Fri Apr 27, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Pension and Social Security
Replies: 11
Views: 1641

Re: Pension and Social Security

D Newton wrote:
Thu Apr 26, 2018 8:24 pm
Thanks RK. That's what i thought too. Now the big question is whether to take a Lump Sum payment or monthly payment for life.
This website can help you decide: https://www.immediateannuities.com/
by BolderBoy
Fri Apr 27, 2018 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Does a 5 basis points difference matter when deciding between 500 Index and TSM?
Replies: 36
Views: 2175

Re: Does a 5 basis points difference matter when deciding between 500 Index and TSM?

I would probably prefer to be in the TSM fund, but I wonder: Do the 5 basis points matter in the long run? Or do the benefits of a TSM fund make up for the (minimal) extra fee? One thing I would do is to look at the underlying portfolio of the so-called TSM fund being offered. Does it really contai...
by BolderBoy
Wed Apr 25, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: Do you have a car w/o ABS?
Replies: 53
Views: 2215

Re: Do you have a car w/o ABS?

I grew up without ABS brake-equipped autos. Plenty of 360s on icy or oily-wet roads over the years. In 2000 I was getting a new car and wanted to see what the hubbub is about ABS brakes. Mercedes dealership gave me the keys to a new E320 and I found a long, straight stretch of solid-ice road without...
by BolderBoy
Tue Apr 24, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: [Vanguard account locked out due to deceased owner]
Replies: 73
Views: 5267

Re: [Vanguard account locked out due to deceased owner]

I was agent with full authority on a close relative’s account. When they passed away a couple of years ago, Vanguard locked the account and put me in touch with their Inheritance Services department. After I provided a death certificate and copy of the trust, Inheritance Services assisted me in set...
by BolderBoy
Mon Apr 23, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: estate planning with animals
Replies: 28
Views: 2294

Re: estate planning with animals

Gill wrote:
Sat Apr 21, 2018 6:57 pm
Yes, speak to the animal rescue organization. Our local cat rescue organization offers an arrangement whereby they will guarantee care of your cats for their lives in exchange for a bequest to the organization. Gill
This. Lots of the animal organizations around here will do the same.
by BolderBoy
Mon Apr 23, 2018 10:37 am
Forum: Investing - Theory, News & General
Topic: Non-profit needs a high-interest savings account... advice needed
Replies: 5
Views: 467

Re: Non-profit needs a high-interest savings account... advice needed

Anyone here have a recommendation on a bank with a savings rate of 1.25%+ that will actually take a non-profit's money? Is FDIC insurance on the account a requirement? My church has its funds invested at Vanguard 30/70 TSM/TBM. Only about 10% of the amount you are talking about, but it returns abou...
by BolderBoy
Sat Apr 21, 2018 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Lump sum vs Dollar-cost average in 2018?
Replies: 7
Views: 872

Re: Lump sum vs Dollar-cost average in 2018?

onourway wrote:
Fri Apr 20, 2018 7:18 pm
All money invested as soon as it is available, just like always.
This.
by BolderBoy
Sat Apr 21, 2018 10:47 am
Forum: Investing - Help with Personal Investments
Topic: What To Do With Active Funds
Replies: 7
Views: 649

Re: What To Do With Active Funds

Thanks, both, for confirming my intuition! Chip, in terms of the cap gains distribution, I thought that was only an issue if I continued to hold the funds, because if I sell them there won’t be any cap gains (from those funds) to distribute to me in the future. My thinking was I’d pay a one time ca...
by BolderBoy
Sat Apr 21, 2018 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Looking for your thoughts on my portfolio
Replies: 14
Views: 1140

Re: Looking for your thoughts on my portfolio

Other stock: $21,000 Savings: $53,000 cash My main question is: Is it a smart idea to be so heavily invested in stock index funds? I have considered splitting them out into more of an 80/20 allocation, but I don't feel I am in a rush to do this. Please give me your thoughts! Overall it looks like y...
by BolderBoy
Sat Apr 21, 2018 10:38 am
Forum: Investing - Help with Personal Investments
Topic: New to Investing
Replies: 8
Views: 615

Re: New to Investing

(3) I automatically reinvest all dividends in my 401K and will do so for the IRA account I will soon open. However, I’d like to know what the best practices are for tax efficiency purposes (and capital gains purposes too), as to reinvesting dividends into your portfolio as opposed to keeping it as ...
by BolderBoy
Sat Apr 21, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Newborn- essential financial steps
Replies: 20
Views: 1950

Re: Newborn- essential financial steps

uberdoc wrote:
Sat Apr 21, 2018 8:00 am
My spouse has life insurance and I am in process of getting mine.
Very large value policies, right? $2 million or more on each of you.
by BolderBoy
Sat Apr 21, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Long term care ins John Hancock
Replies: 32
Views: 1630

Re: Long term care ins John Hancock

What are your experiences dealing with ltc? My parents bought John Hancock LTC policies when they first became fashionable (1990s?). Both policies had 90 day waiting periods. One parent died within 24 hours of getting sick and the other died within 2 weeks of getting sick, so neither was able to av...
by BolderBoy
Sat Apr 21, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy an apartment for myself, and how should I finance it?
Replies: 7
Views: 968

Re: Should I buy an apartment for myself, and how should I finance it?

hithere wrote:
Fri Apr 20, 2018 7:31 am
The rented apartment I'm living in at the moment has a gross rental yield of 6%, the net return from my investments is 8%...
"gross rental yield" is a term I haven't heard before. Can you explain what it means, please?

Where and/or how are you "netting" 8% on your investments?
by BolderBoy
Thu Apr 19, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: IT platform support for Telemedicine practice [edited subject]
Replies: 4
Views: 433

Re: IT platform support for Telemedicine practice [edited subject]

Timothy Buchman, MD PhD, at Emory University (Atlanta) heads up an innovative, critical care, telemedicine program that is transnational in scope. His group has worked out many of the bugs and may have published a lot of their grunt work.
by BolderBoy
Thu Apr 19, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 4520

Re: Another discussion about private vs public schools?

We're both PhDs. Education is very important to us and we plan on lots of enrichment when the little Nugget is home with us. Most school rankings data is bunk, and correlates very closely with household income levels. You are well-educated professionals, and your child will likely do fine in any ha...
by BolderBoy
Tue Apr 17, 2018 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: What type of EIN for solo 401k?
Replies: 2
Views: 272

Re: What type of EIN for solo 401k?

Seen lots of answers for this. Is there a consensus? I used the "sole proprietor" classification (as I am a sole prop) and reason for forming was "started a new business." Does it much matter? You need to apply (on-line) for a separate TIN (taxpayer ID number) for the 401k plan. You're still a sole...
by BolderBoy
Tue Apr 17, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Can I *not* claim all the state tax in my itemized deduction?
Replies: 39
Views: 4316

Re: Can I *not* claim all the state tax in my itemized deduction?

As I understand the question, the OP doesn't want to claim all the non-business deductions to which he is lawfully entitled. Numerous responders have said, "No, that is illegal! You must claim all your [non-business] deductions." I'm here to say that is nonsense. If I donate $10k to charity and cho...
by BolderBoy
Mon Apr 16, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Taxes Question -- Help!
Replies: 14
Views: 1011

Re: Estimated Taxes Question -- Help!

Thank you. This is the annualized installment method, right? I read somewhere that it should only be used "if you didn't receive your income evenly throughout the year" -- that is somewhat true for me because about 1/4 of my income comes in the form of a bonus at year end. And then there is this Q2...
by BolderBoy
Mon Apr 16, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 5857

Re: Costco gas

tmsul100 wrote:
Sun Apr 15, 2018 11:13 am
Do you go out of your way to buy gas at Costco? Those who drive a "premium" tier car, do you buy premium gas? Thanks!
I have such a car and it has never seen "premium gas" in its entire life (13 years, 92k miles). Pretty much only use Costco gas.
by BolderBoy
Mon Apr 16, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Can I *not* claim all the state tax in my itemized deduction?
Replies: 39
Views: 4316

Re: Can I *not* claim all the state tax in my itemized deduction?

As I understand the question, the OP doesn't want to claim all the non-business deductions to which he is lawfully entitled. Numerous responders have said, "No, that is illegal! You must claim all your [non-business] deductions." I'm here to say that is nonsense. If I donate $10k to charity and choo...
by BolderBoy
Mon Apr 16, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Taxes Question -- Help!
Replies: 14
Views: 1011

Re: Estimated Taxes Question -- Help!

1.) What advice can you give me about how to balance out this cash flow issue? I keep running numbers over and over and it just seems like there is no way to slice or dice it other than you have this shortfall in the second quarter, but then a windfall in the final quarters. How do people smooth th...
by BolderBoy
Mon Apr 16, 2018 1:07 pm
Forum: Investing - Theory, News & General
Topic: Higher bond allocations with riskier bonds
Replies: 10
Views: 628

Re: Higher bond allocations with riskier bonds

ibhhvc wrote:
Mon Apr 16, 2018 11:32 am
But at the same time, is there a good reason not to?
Yes. KISS. Take your risks on the stock side. The more variables one weaves into one's investing strategies, the tougher it is to understand why it doesn't work out, when it doesn't.
by BolderBoy
Mon Apr 16, 2018 1:04 pm
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 11669

Re: We crush stock indexes, Yale claims

Badger1754 wrote:
Sun Apr 15, 2018 3:03 pm
5 problems with this claim: [... deleted to save space ...]
Thank you for this very excellent analysis!
by BolderBoy
Mon Apr 16, 2018 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Two Jobs, Two Retirement Plans; $110,000 Per Year Contribution Limit?
Replies: 4
Views: 1063

Re: Two Jobs, Two Retirement Plans; $110,000 Per Year Contribution Limit?

I can theoretically have $55k/year contributed from my FT employer to the SEP-IRA and then make a $18.5k/year contribution into my PT employer's 401k plan, plus their match, up to another $55k/year, for a total of $110k/year. Is that correct? If your income is high enough at each employer, then the...
by BolderBoy
Fri Apr 13, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: NJ passes law in response to SALT limits
Replies: 9
Views: 2043

Re: NJ passes law in response to SALT limits

Probably not going to help much. Federal law requires that the charity receiving the donation give a receipt to the giver of the donation and itemize out specifically if any "benefit was received" in exchange for the donation. The deductibility of the donation is then reduced by the amount of the be...
by BolderBoy
Thu Apr 12, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: Picture duplicates on hard drive
Replies: 8
Views: 756

Re: Picture duplicates on hard drive

ThriftyPhD wrote:
Thu Apr 12, 2018 11:39 am
If you're handy with a command line (you mention rsync), you could run a md5 checksum on each file. If two files have the same hash, then they have the same contents.
A very clever suggestion. I'll tuck this away for future reference. Thanks.
by BolderBoy
Thu Apr 12, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: KeePass random generator
Replies: 17
Views: 1918

Re: KeePass random generator

For example, if the site allows 16 character passwords with lower case, upper case, number, and symbol characters, it would take over a billion years for an attacker guessing at 200 billion passwords per second to test all possible passwords. And if the password is adequately salted - as they all s...
by BolderBoy
Tue Apr 10, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: KeePass random generator
Replies: 17
Views: 1918

Re: KeePass random generator

boglemania wrote:
Sun Apr 08, 2018 11:33 am
Does anyone have a link on a password manager on how to randomly generate passwords with every log on? thanks!
I think a Yubikey is what you want. KeePass doesn't do this.
by BolderBoy
Mon Apr 09, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 97
Views: 7701

Re: New faster DNS - 1.1.1.1 by CloudFlare

1.1.1.1 is pretty impressive. It is just a tiny bit slower than Comcast's servers (my ISP). And just slightly faster than Google's free DNS servers (8.8.8.8 and 8.8.4.4).

(running DNSBench by GRC Research https://www.grc.com/dns/benchmark.htm)
by BolderBoy
Sun Apr 08, 2018 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Need help! [How to use cash]
Replies: 5
Views: 402

Re: Need help! [How to use cash]

In this volatile market, what can I do to beat inflation and earn some modest returns? I mention modest because I want to be conservative with my cash as much as possible. You are asking a tough question with some mutually exclusive ground rules. Following the requirements of the last sentence you ...
by BolderBoy
Sat Apr 07, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: $30M Umbrella Insurance?
Replies: 31
Views: 3950

Re: $30M Umbrella Insurance?

Take a look at auto accident cases where the victim is paralyzed. $15-$35 million seems to be the typical range of verdicts in those situations. I wish I had better data on that. I know a claim in that range would exhaust my policy limits and exceed my net worth. The overwhelming majority of my ass...
by BolderBoy
Sat Apr 07, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: How do you estimate your home's market value?
Replies: 53
Views: 3539

Re: How do you estimate your home's market value?

delrinson wrote:
Sat Apr 07, 2018 6:02 am
Can anyone recommend a better approach?
I just use my county property tax assessor's valuation. Close enough to reality and probably conservative.
by BolderBoy
Sat Apr 07, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Where to hold ~500K cash
Replies: 25
Views: 3300

Re: Where to hold ~500K cash

My question is can I just open multiple money market or savings accounts with my bank to hold that money or should I open new accounts at different banks to hold that money? I use Vanguard for all of my investments and don't know if there's a solution with them that I am not aware of. If FDIC insur...
by BolderBoy
Sat Apr 07, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: !Please Advise on sensible housing for guy going through divorce!
Replies: 32
Views: 2735

Re: !Please Advise on sensible housing for guy going through divorce!

Gardener wrote:
Sat Apr 07, 2018 7:51 am
I want her to stay in the home because she, her mother in law, and child all live there and it would be most stabile in the short term for the child to stay in the home.
If it is her mother-in-law, then it is YOUR mother, right? What does your mother want to do in all this?
by BolderBoy
Tue Apr 03, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Recordkeeping system for retirees
Replies: 25
Views: 2716

Re: Recordkeeping system for retirees

Any boglehead based recommendations on a document and recordkeeping system that works well for them? I bought a Fujitsu multisheet scanner (Scansnap) and did the arduous task of scanning 40 years of hard copy documents (literally a roomful of boxes of documents) into very descriptive filenames star...
by BolderBoy
Tue Apr 03, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: No will. What happens to my accounts if I die?
Replies: 34
Views: 2799

Re: No will. What happens to my accounts if I die?

Would it make sense to just give my parents a list of all my accounts and their account numbers? That way if anything happened to me they could track everything down. At the very least you should set up every asset you have as a POD/BOD/TOD if it is permitted by your state. So all your financial as...