Search found 2202 matches

by BolderBoy
Sun Jul 24, 2016 10:30 am
Forum: Investing - Theory, News & General
Topic: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?
Replies: 62
Views: 3158

Re: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?

JLMA wrote:So why have any bonds AT ALL during the accumulation phase since one does not need AT THAT TIME the safety Bonds provide?
Couldn't one switch some assets from 100% stocks to some of it in Bonds at (or close to) retirement age?

Because doing so is a form of market timing in itself.
by BolderBoy
Sun Jul 24, 2016 10:06 am
Forum: Personal Consumer Issues
Topic: What evidence would I need for a home contents insurance claim?
Replies: 5
Views: 491

Re: What evidence would I need for a home contents insurance claim?

Do a room-by-room video, periodically. Easy to do and it probably trumps most other types of inventory.
by BolderBoy
Sun Jul 24, 2016 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Do any of you professionals have a litigation emergency fund?
Replies: 30
Views: 2183

Re: Do any of you professionals have a litigation emergency fund?

I'm talking about working for myself. I know it may be hard to fathom, but some people don't work for large corporations with large umbrellas.................. Set up a corporation and work for it? How does this protect the business inside the corporation? Ok. Let me go at this differently since ap...
by BolderBoy
Sat Jul 23, 2016 4:01 pm
Forum: Personal Consumer Issues
Topic: Stinky Washing Machine [SOLVED]
Replies: 44
Views: 4088

Re: Stinky Washing Machine [SOLVED]

Ok, the title says "solved" but we don't have a report explaining the elements of the solution. Moderator, please poke this poster with a cattle prod. :D A little voice on my shoulder has revealed that the solutions are in the original post. :wink: Glad to hear it worked out. That thr...
by BolderBoy
Fri Jul 22, 2016 12:54 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6744

Re: HOA Swimming Pool Trespassing Issue

If fence is low with easy access in some areas I would think fixing that would be high priority for the HOA for liability reasons alone. No laws in your state dictating fenced all around at certain height and locked? My concerns were voiced to one of the HOA attorneys (specialized group) and he did...
by BolderBoy
Fri Jul 22, 2016 12:42 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6744

Re: HOA Swimming Pool Trespassing Issue

freebeer wrote:
BolderBoy wrote:... I don't have kids and have zero sympathy for how they may think...


Uh... but you WERE a kid once... hopefully you still have some recollection of how you thought (or didn't think...) back then...

... and I paid for my crimes.
by BolderBoy
Thu Jul 21, 2016 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do any of you professionals have a litigation emergency fund?
Replies: 30
Views: 2183

Re: Do any of you professionals have a litigation emergency fund?

fpr4 wrote:I'm talking about working for myself. I know it may be hard to fathom, but some people don't work for large corporations with large umbrellas..................

Set up a corporation and work for it?
by BolderBoy
Thu Jul 21, 2016 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone had a POA rejected? [Power of Attorney]
Replies: 25
Views: 1364

Re: Anyone had a POA rejected? [Power of Attorney]

In addition to, or instead of, the POA, why not simply add the POA person as a signer on the account?
by BolderBoy
Thu Jul 21, 2016 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone had a POA rejected? [Power of Attorney]
Replies: 25
Views: 1364

Re: Anyone had a POA rejected?

Alan S. wrote:they just require a large amount of supplementary documentation to underwrite the legitimacy of the document, specifically to show that the POA has not been revoked and replaced

This sounds a bit like having to prove a negative. Can you give an example of how one might do this?
by BolderBoy
Thu Jul 21, 2016 5:33 pm
Forum: Personal Consumer Issues
Topic: What really happens to people who run out of their money in retirement
Replies: 51
Views: 6192

Re: What really happens to people who run out of their money in retirement

scone wrote:What happens if you have Alzheimer's, no family, and no money?

Nursing home with Medicare, Medicaid and SS.
by BolderBoy
Thu Jul 21, 2016 5:31 pm
Forum: Personal Consumer Issues
Topic: business receipts
Replies: 17
Views: 1061

Re: business receipts

For those of you who own your own business or claim business expenses, do you actually keep your receipts for 7 years (or whatever the requirement is)? Or scan them? Are credit card statements sufficient? If not, why not? Don't they serve the same purpose as far as documenting that an expense actua...
by BolderBoy
Thu Jul 21, 2016 5:27 pm
Forum: Personal Consumer Issues
Topic: Price Limit on Used Car from Private Party
Replies: 10
Views: 629

Re: Price Limit on Used Car from Private Party

I'm considering a used car from a private party. It's a 2013 Subaru Impreza with 25K miles priced around $14.5K, and appeared in great condition when I checked it out. I've also checked the KBB value. Do you have an arbitrary maximum for which you would pay for a used car from a private party? No. ...
by BolderBoy
Thu Jul 21, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: Stinky Washing Machine [SOLVED]
Replies: 44
Views: 4088

Re: Stinky Washing Machine

Put in two cups of baking soda and run a small cycle. We do that on our HE machine whenever it starts to get musty and works like a charm. I buy the large bags of baking soda from Costco :happy Why would baking soda do anything? Baking soda absorbs odors. Your machine is already clean from all the ...
by BolderBoy
Thu Jul 21, 2016 5:13 pm
Forum: Personal Consumer Issues
Topic: Expensive car maintenance or allocate to next car fund?
Replies: 31
Views: 1539

Re: Expensive car maintenance or allocate to next car fund?

Colorado13 wrote:My car has 125,000 miles on it and I had planned to drive it until at least 150,000 miles, if not more.

What make and model/year?
by BolderBoy
Thu Jul 21, 2016 4:10 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6744

Re: HOA Swimming Pool Trespassing Issue

sls239 wrote:Are there any police officers that live in the community?

Nope.
by BolderBoy
Thu Jul 21, 2016 4:10 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6744

Re: HOA Swimming Pool Trespassing Issue

I had this problem in my HOA. Even though I live in a gated HOA I had my house broken into by kids hanging by the pool and observed me leaving my home. Hiring a Guard Service for the HOA might work. How do they check their APPs if they are swimming in the pool, or maybe they are just hanging out an...
by BolderBoy
Thu Jul 21, 2016 4:09 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6744

Re: HOA Swimming Pool Trespassing Issue

soccerdad12 wrote:Not sure if this would work or not, but how about getting a simplisafe system installed with motion sensors. Put the motion sensors around the pool area. Only activate after 8PM. Don't pay for monitoring, just buy a couple of the super loud horn alarms. Worth a try....

Nope, can't do the noise.
by BolderBoy
Thu Jul 21, 2016 4:02 pm
Forum: Personal Consumer Issues
Topic: Router SSID Broadcast in Crowded Wifi Environment
Replies: 18
Views: 1609

Re: Router SSID Broadcast in Crowded Wifi Environment

Shutting off the SSID doesn't help anything.

Is the route a simultaneous dual band?
by BolderBoy
Thu Jul 21, 2016 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Help With Picking Job Title at Startup
Replies: 33
Views: 2044

Re: Help With Picking Job Title at Startup

Cigarman wrote:H.M.F.I.C

This is probably the most technically accurate.
by BolderBoy
Thu Jul 21, 2016 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Do any of you professionals have a litigation emergency fund?
Replies: 30
Views: 2183

Re: Do any of you professionals have a litigation emergency fund?

I've recently been licensed as an architect. I don't think I've yet been added to the firm's professional liability insurance as a licensed architect executing drawings, but I'm just thinking down the road long term. It's very likely that I'll own my own practice in the next 10-15 years, one way or...
by BolderBoy
Thu Jul 21, 2016 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Tax help - IRS asking for money for 2014- messed up backdoor ROTH - form 8606 - PLEASE HELP!!!!!!!
Replies: 29
Views: 1854

Re: Tax help - IRS asking for money for 2014- messed up backdoor ROTH - form 8606 - PLEASE HELP!!!!!!!

booradley83 wrote:Also, please don't reply if you have nothing to add.........thank you.

You need to hire a CPA to straighten this out for you. [OT comment removed by admin LadyGeek]
by BolderBoy
Thu Jul 21, 2016 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself -- To Roth or Not to Roth and defusing the RMD tax bomb
Replies: 8
Views: 1297

Re: Daring to figure it out for myself -- To Roth or Not to Roth and defusing the RMD tax bomb

So here is my tentative Roth space action plan for 2016 and 2017 (1) Contribute maximum to the Roth IRA (2) Put at least enough into the Roth 401K each year to get the employer match. (3) Refrain from conversions before retirement (4) Contribute to an after tax 401K. If the earnings are small, in-s...
by BolderBoy
Thu Jul 21, 2016 2:18 pm
Forum: Investing - Theory, News & General
Topic: Need help with Monte Carlo (FireCalc?)
Replies: 3
Views: 391

Re: Need help with Monte Carlo (FireCalc?)

I'm trying to figure out how to use FireCalc. Best I remember, FIREcalc does not use Monte Carlo simulation. cFIREsim.com allows you to choose Monte Carlo if you want it figured out that way. cFIREsim also allows you to twiddle a lot of other variables and may be more suited to what you are trying ...
by BolderBoy
Wed Jul 20, 2016 10:00 pm
Forum: Personal Consumer Issues
Topic: Stinky Washing Machine [SOLVED]
Replies: 44
Views: 4088

Re: Stinky Washing Machine

What is the name of the manufacturer and what is the model of your machine? (To the OP) Kenmore, Model: 110.26912690 Okay, so it's a top loader with agitator. You can find diagrams of it using the search phrase "Kenmore 90 series washer diagram". I'd second the recommendation to tip it ov...
by BolderBoy
Wed Jul 20, 2016 9:55 pm
Forum: Personal Consumer Issues
Topic: Stinky Washing Machine [SOLVED]
Replies: 44
Views: 4088

Re: Stinky Washing Machine

Pete12 wrote:Put in two cups of baking soda and run a small cycle. We do that on our HE machine whenever it starts to get musty and works like a charm. I buy the large bags of baking soda from Costco :happy

Why would baking soda do anything?
by BolderBoy
Wed Jul 20, 2016 9:53 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6744

Re: HOA Swimming Pool Trespassing Issue

8 pm (pool closing time) is a fine time to chlorinate and shock treat the pool. "Dude, my eyes are burning." :wink: Unfortunately, the pool is available from 8-9pm for adult lap swimmers who have a key and signed a waiver (no one else allowed). Lifeguards do the chlorinating and they leav...
by BolderBoy
Wed Jul 20, 2016 9:51 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6744

Re: HOA Swimming Pool Trespassing Issue

BolderBoy, I would be interested hearing the results of the security guard consideration. We had young people dealing drugs in our pool parking lot and when we looked into hiring a security guard patrol of the area we found a lot of issues. For example their cost was high, they would only contract ...
by BolderBoy
Wed Jul 20, 2016 9:49 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6744

Re: HOA Swimming Pool Trespassing Issue

Keim wrote:One blast into the air of a nearby shotgun ought to solve the issue.

Agreeing with other comments about motion sensitive lights. Don't know why those wouldn't work.

Already have the motion detector lighting all around. The kids don't care.
by BolderBoy
Wed Jul 20, 2016 11:28 am
Forum: Personal Consumer Issues
Topic: Stinky Washing Machine [SOLVED]
Replies: 44
Views: 4088

Re: Stinky Washing Machine

Five Scoop wrote:What is the name of the manufacturer and what is the model of your machine? (To the OP)

Kenmore, Model: 110.26912690
by BolderBoy
Wed Jul 20, 2016 10:34 am
Forum: Personal Consumer Issues
Topic: Stinky Washing Machine [SOLVED]
Replies: 44
Views: 4088

Re: Stinky Washing Machine

So I tried two "Affresh" tablets, hot water, etc. The odor was less, but still there. Today I'll be trying bleach again - only this time a LOT of bleach and I'll let it sit for 24 hours (my microbiology prof in college said that the world is conducting a giant chlorine experiment - guess I...
by BolderBoy
Wed Jul 20, 2016 10:28 am
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6744

Re: HOA Swimming Pool Trespassing Issue

Some more great suggestions, thanks. We talked about the "attractive nuisance" risks at the Board meeting. Making the fence taller is under consideration. For now, they are going to look at the security guard / off-duty cop solution. And from a report, apparently all the pools around town ...
by BolderBoy
Tue Jul 19, 2016 11:27 am
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6744

Re: HOA Swimming Pool Trespassing Issue

Sharks with laser beams attached to their heads. I'm dying :D .. I'd also like to know what this "vandalism" consists of. They toss everything around on the pool deck, into the pool. One year, they snitched all the brass tie downs for putting the cover on for the winter. Other things I ca...
by BolderBoy
Tue Jul 19, 2016 9:03 am
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6744

Re: HOA Swimming Pool Trespassing Issue

Lots of great responses, please keep them coming. I'll collate them and take them to the next meeting. Bolder why don't you tell us what's already in place so we don't waste time posting the same. Fence with locked gate? How high? What's the lighting situation? Any residents live close enough that ...
by BolderBoy
Mon Jul 18, 2016 8:31 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6744

Re: HOA Swimming Pool Trespassing Issue

When I was a kid, the neighborhood pool had barbed wire on top of the fence. Each barb was a couple of feet apart though, so I don't think it was particularly effective as trespassers occasionally got in and threw all the lawn chairs into the pool. But I would think better barb wire would be a pret...
by BolderBoy
Mon Jul 18, 2016 8:30 pm
Forum: Personal Consumer Issues
Topic: Who do you not tip, and why?
Replies: 57
Views: 4546

Re: Who do you not tip, and why?

Easier to say who I do tip.

I tip the wait staff at restaurants, my housekeeper at Christmas each year and my barber. I've started sometimes leaving a tip for chambermaids at motels/hotels.

No tips for anyone else.
by BolderBoy
Mon Jul 18, 2016 8:25 pm
Forum: Personal Consumer Issues
Topic: Stinky Washing Machine [SOLVED]
Replies: 44
Views: 4088

Stinky Washing Machine [SOLVED]

Thanks to the very helpful suggestions and encouragement from you folks, my washer is no longer stinky. With the help of youtube I found out how to remove the two agitators (upper and lower). Then a quick trip to the parts store to buy some "dog agits" (the original ones had crumbled), the...
by BolderBoy
Mon Jul 18, 2016 8:20 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6744

Re: HOA Swimming Pool Trespassing Issue

Lots of great responses, please keep them coming. I'll collate them and take them to the next meeting.
by BolderBoy
Mon Jul 18, 2016 5:10 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 6744

HOA Swimming Pool Trespassing Issue

Our small HOA (265 affluent single-family homes) has a community swimming pool. It closes for the night at 8pm (lifeguard coverage while open). Sometime later - usually 10pm and beyond, it is common for trespassers to enter the pool, cause a great deal of noise and oft times vandalism of varying deg...
by BolderBoy
Sun Jul 17, 2016 2:15 pm
Forum: Investing - Theory, News & General
Topic: Newpaper HL: Rocky Times In Bond Market
Replies: 21
Views: 1149

Re: Newpaper HL: ROCKY TIMES IN BOND MARKET

"The Sky Is Falling, The Sky Is Falling". Didn't Bill Gross - the bond guru - bet against the bond market for several years in a row and get asked to leave his job as a result? Relax - no one can tell the future and a bond cataclysm has been predicted for a long, long time now. (retired wi...
by BolderBoy
Sun Jul 17, 2016 1:59 pm
Forum: Personal Consumer Issues
Topic: How do you find a tenant for rental house?
Replies: 37
Views: 1975

Re: How do you find a tenant for rental house?

I helped a ladyfriend find renters for her townhome. After the third-in-a-row applicant said to me, "At what point do I tell you about my felony convictions?", I begged off helping her with it anymore.
by BolderBoy
Sun Jul 17, 2016 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio / personal investment help
Replies: 5
Views: 379

Re: Portfolio / personal investment help

Tax Rate: Not sure about the exact numbers This is something that you want to learn how to figure as it is something you'll use your whole life. Do some searching for "marginal tax rate" or "tax bracket". The "Tax Rate Schedule" for married filing jointly is where you ...
by BolderBoy
Sat Jul 16, 2016 10:47 am
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 64
Views: 3667

Re: Passwords

Just like mptfan if your passwords are not recorded anywhere except your mind that's pretty safe from everyone else "Given the choice between spending $1 million trying to decrypt your passwords or spending $5 for a piece of pipe I'll use to beat the info out of you, which do you think I'll ch...
by BolderBoy
Sat Jul 16, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: Car Maintenance for the Urban Dweller
Replies: 9
Views: 795

Re: Car Maintenance for the Urban Dweller

Any chance you can garage it somewhere nearby?
by BolderBoy
Sat Jul 16, 2016 10:20 am
Forum: Personal Consumer Issues
Topic: Need printer recommendations
Replies: 36
Views: 1640

Re: Need printer recommendations

Buy the cheapest smallest brother or HP black and white laser printer. At low print volumes, supply costs aren't too important but toner doesn't dry out (ink doesn't like to sit around). Skip the multifunction, just keep it simple. The HP P1102W or whatever replaced it is a great option. Pretty muc...
by BolderBoy
Sat Jul 16, 2016 9:35 am
Forum: Investing - Help with Personal Investments
Topic: help me with bonds
Replies: 34
Views: 2495

Re: help me with bonds

I will shortly turn 60, and until I found this forum less than two years ago, had been 100% equities throughout my entire investing career. After spending some time here I realized that I could retire whenever I wanted with my existing assets but a 50% drop in my portfolio could derail my retiremen...
by BolderBoy
Sat Jul 16, 2016 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my savings plan
Replies: 11
Views: 1165

Re: Thoughts on my savings plan

Thanks for your thoughts. i tried hard to make an ETF allocation vs. doing these mutual funds, but just couldn't build anything that i was comfortable with that gave performance remotely near these mutual funds, even VWINX. Our retirement plans are allocated out: 35% - VOO - Vanguard S&P (ER 0....
by BolderBoy
Sat Jul 16, 2016 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Have questions about RMD
Replies: 13
Views: 937

Re: Have questions about RMD

I wonder, however, if Roth conversions before RMD may still have benefit in that they generate non-taxable earnings whereas the RMDs, if invested rather than spent, would then be in taxable accounts which may need to be more carefully managed to avoid taxes? I think there are calculators to figure ...
by BolderBoy
Sat Jul 16, 2016 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation
Replies: 4
Views: 294

Re: Please help with asset allocation

Why dont the Fidelity advisors not talk about asset based fee You haven't made a fatal mistake - it can be corrected. Fidelity is a privately held, for profit company (the family that owns it just made Forbes' "Wealthiest Families" list, again.) They don't want to scare you off by itemizi...

Go to advanced search