Search found 2422 matches

by BolderBoy
Sun Sep 25, 2016 8:45 pm
Forum: Investing - Theory, News & General
Topic: Selling in October
Replies: 43
Views: 2657

Re: Selling in October

MEA wrote:I am following John Bogle's advice. He suggests that you include any pensions as part of your bond portfolio.

Does Mr Bogle's recommendation apply to anticipated pensions or actual pensions one is getting?
by BolderBoy
Sun Sep 25, 2016 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating from place with no state tax to a place with state tax
Replies: 8
Views: 923

Re: Relocating from place with no state tax to a place with state tax

You will file a Colorado 104PY tax return. On it you will apportion your income into two columns, the Colorado-source income column and the Non-Colorado-source income column. This will then allow you to apportion any deductions and exclusions from federal income, to only that part of Colorado income...
by BolderBoy
Sun Sep 25, 2016 1:02 pm
Forum: Investing - Theory, News & General
Topic: Selling in October
Replies: 43
Views: 2657

Re: Selling in October

Everyone has heard of sell in May and go away. What would be wrong with sitting out October? Given enough time it would seem as though this strategy would pay off. Any thoughts? I had a financial advisor who tried those tricks for 3 years. While he was doing that, I was doing the traditional, slow-...
by BolderBoy
Sun Sep 25, 2016 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Purpose of Dividends
Replies: 27
Views: 2165

Re: Purpose of Dividends

I'm not an expert. Taxable dividends are a gimmick. They get special tax treatment because taxable bond interest does not. As was pointed out above, look at all the great companies that don't pay dividends - you reap your reward by holding the company stock while it appreciates, then sell it and get...
by BolderBoy
Sat Sep 24, 2016 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Out of Pocket Costs for Employer Self Insured Medical Plans
Replies: 17
Views: 722

Re: Out of Pocket Costs for Employer Self Insured Medical Plans

How do you plan and budget for this? I had included the out of pocket max in my planning but it appears that number is just a piece of fiction and my actual potential out of pocket for normally in network covered expenses is limitless. I'm unclear about what you are describing. Are you saying that ...
by BolderBoy
Sat Sep 24, 2016 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Request to add income to credit card profile
Replies: 10
Views: 867

Re: Request to add income to credit card profile

Got one of these and a couple questions Any reason to comply or not comply with this request? Our current credit lines on our cards are way more than adequate. If we comply, what is the definition of income as far as CC companies? Joint income or individual? Earned income or total income? Gross or ...
by BolderBoy
Fri Sep 23, 2016 6:49 pm
Forum: Personal Consumer Issues
Topic: OTA Antenna
Replies: 19
Views: 1917

Re: OTA Antenna

Thanks for the additional thoughts. We are not going with a rotator - the home is an historical landmark and it took years to get her to acquiesce to an antenna of any sort, on the backside of the house which is fortunately pointed northward toward the nearest aggregation of broadcast TV towers abou...
by BolderBoy
Fri Sep 23, 2016 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Invest entire $1M windfall now or over time?
Replies: 35
Views: 3514

Re: Invest entire $1M windfall now or over time?

DoctorStrange wrote:About me:
$0 Emergency fund

Should you put some of it aside so your EF isn't = 0?
by BolderBoy
Thu Sep 22, 2016 12:53 pm
Forum: Personal Consumer Issues
Topic: OTA Antenna
Replies: 19
Views: 1917

Re: OTA Antenna

Thanks to all for the replies. I looked at Channelmaster and found what I think is a good antenna for her (not too directional so we'll try to catch Charlottesville and Richmond, some fractal design features). I'd forgotten about those two referenced websites - thanks for them.
by BolderBoy
Thu Sep 22, 2016 11:14 am
Forum: Personal Consumer Issues
Topic: OTA Antenna
Replies: 19
Views: 1917

OTA Antenna

Mother lives in a rural locale in south central Virginia (70 mi SW Richmond). What is a good, outside antenna for her to use? She can get it up about 40' above the ground with a 50' feedline run to the TV.
by BolderBoy
Tue Sep 20, 2016 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP vs PPO (baby in 2017) [High Deductible vs. Preferred Provider plans]
Replies: 14
Views: 847

Re: HDHP vs PPO (baby in 2017)

HDHP. And set up the HSA as soon as you can and contribute the maximum you ar allowed this year.

Welcome to the forum!
by BolderBoy
Tue Sep 20, 2016 6:37 pm
Forum: Investing - Theory, News & General
Topic: The coming municipal bond crisis
Replies: 50
Views: 6680

Re: Are Municipal Bonds Riskier Than Their Ratings Would Suggest?

According to this article in the NYT, underfunded state pension obligations are a big problem. Is the safety of municipal bonds, even AAA or AA rated bonds, an illusion? Warning, I'm not a bond guru by any stretch. However, aren't bonds issued for specific purposes? Doesn't the bond department at V...
by BolderBoy
Sun Sep 18, 2016 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Any concern about the drop in price of Vanguard Intermediate term municipal bond fund?
Replies: 33
Views: 2401

Re: Any concern about the drop in price of Vanguard Intermediate term municipal bond fund?

Hi all, Guess I am having some anxiety over investing in Vanguard's Intermediate term municipal bond fund. Noticed that the last price is $14.45/share. My cost is $14.40/share. Have $200,000 in it. Had a conversation with my neighbor today who knows quite a bit about investing. Me despises bond fun...
by BolderBoy
Sun Sep 18, 2016 10:55 am
Forum: Investing - Theory, News & General
Topic: Sound Mind Investing
Replies: 11
Views: 1512

Re: Sound Mind Investing

I'm curious about the results they tout. SMI was founded in 1990, yet they only show their results from 2000-

From 1990-now the VG S&P500 Index went up 1100%.

Is SMI cherry picking their dates?
by BolderBoy
Fri Sep 16, 2016 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: how to contribute 53k to 401(k) as employed doc?
Replies: 39
Views: 2387

Re: how to contribute 53k to 401(k) as employed doc?

Thanks guys. I will talk to group and report back. Other group just got back to me and said that I contribute 18k and they contribute the rest up to 53k. This sounds too good to be true. What am I missing here? Are they effectively giving me 35k a year? My taxable income will only be reduced by 18k...
by BolderBoy
Fri Sep 16, 2016 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Does roth 401(k) preclude Backdoor Roth?
Replies: 2
Views: 209

Re: Does roth 401(k) preclude Backdoor Roth?

btlwhulka wrote:My wife has a roth 401(k) from a previous job and now we are considering executing a backdoor roth. Does the roth 401(K) preclude the backdoor roth?

No. I did this for a couple of years.
by BolderBoy
Fri Sep 16, 2016 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant wants to leave on short notice. Can they?
Replies: 45
Views: 3205

Re: Need help interpreting condo lease for tenant leaving on short notice.

Sounds like they're clear to leave. I watched Perry Mason which indicates my level of expertise. I saw that episode, too. Maybe we can start a law firm? OP - have they otherwise been stellar tenants? Why not simply let them go and start looking for a new tenant? I would say they are OK tenants for ...
by BolderBoy
Fri Sep 16, 2016 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: How do you calculate individual 401k contribution?
Replies: 7
Views: 728

Re: How do you calculate individual 401k contribution?

My wife is a CRNA. This is the first year she has earned a salary from her "company". We set up an individual 401k for her with Vanguard. She is taxed as a sole proprietor. Assume income is: $103,000 Total deductible business expenses is: $3000 will contribute: $18000 employee contributio...
by BolderBoy
Fri Sep 16, 2016 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Am I making the right decision? [staying at current job]
Replies: 13
Views: 854

Re: Am I making the right decision?

My gut tells me to do whatever it takes to be happier, but my mind tells me I'm being an idiot for turning my nose up at the bigger salary. I could use a little perspective and advice from anyone whose found themselves in a similar situation. How old are you? When I turned 52 I took a 50% pay cut f...
by BolderBoy
Thu Sep 15, 2016 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Stock with significant gains
Replies: 12
Views: 1060

Re: Stock with significant gains

Assuming the rest of my financial life is solid and I will have enough in my other taxable and retirement accounts to retire at 60 yrs. old (currently mid-40’s), what would you do with this stock? Congratulations and Condolences on the lucky pick! Do you have any unrealized losses in your taxable i...
by BolderBoy
Thu Sep 15, 2016 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant wants to leave on short notice. Can they?
Replies: 45
Views: 3205

Re: Need help interpreting condo lease for tenant leaving on short notice.

Jack FFR1846 wrote:Sounds like they're clear to leave.

I watched Perry Mason which indicates my level of expertise.

I saw that episode, too. Maybe we can start a law firm?

OP - have they otherwise been stellar tenants? Why not simply let them go and start looking for a new tenant?
by BolderBoy
Thu Sep 15, 2016 11:05 am
Forum: Personal Consumer Issues
Topic: Which city for part time home during retirement?
Replies: 86
Views: 5463

Re: Which city for part time home during retirement?

Here are my criteria: 1- Liberal leaning city 2- Decent weather in the winter (this is typically when I'm in the States). 3- Walkable and near trees/hiking 4- Affordable (I'd like to pay $400k or less for my pad). I cannot afford to pay significantly more (as an example Los Angeles would cost doubl...
by BolderBoy
Wed Sep 14, 2016 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Condo or ski house for summer / snowbird in winter
Replies: 4
Views: 747

Re: Condo or ski house for summer / snowbird in winter

Recently DW and I spent a great long weekend in western Maine. We started bouncing around the retirement possibility of buying a mountain house or condo we could live in from May through November and then renting it for the winter while we live somewhere warm in our fifth wheel. Probably won't happ...
by BolderBoy
Wed Sep 14, 2016 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Suggestions
Replies: 1
Views: 309

Re: HSA Suggestions

Are there any obvious gaps in my thinking that I haven't caught? Thanks. I don't think there are any gaps in your thinking about this and you are being very shrewd and BHish for being in your mid-20s. Bravo! (disclaimer, I did the same thing you are planning, including going with Alliant CU, and af...
by BolderBoy
Wed Sep 14, 2016 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Denied Term Life Insurance/A Reminder to Get Your House in Order
Replies: 38
Views: 3310

Re: Denied Term Life Insurance/A Reminder to Get Your House in Order

Texanbybirth wrote:- We currently put 15% of my salary into my work's 401k plan. That's really our only saving for retirement, besides SS.

Does that 15% max out your available (age related) limit? If not, can you bump it up to the max?
by BolderBoy
Wed Sep 14, 2016 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Please Help - ObamaCare application question regarding income
Replies: 27
Views: 1025

Re: Please Help - ObamaCare application question regarding income

So let me get this right....Someone with a net worth well into the millions can hypothetically get taxpayer subsidies for healthcare premiums as long as their income (i.e. dividends, interest in taxable for early retirees) is below a certain thresh hold? Is there something wrong with this picture? ...
by BolderBoy
Wed Sep 14, 2016 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: 24 year old new dividend portfolio
Replies: 151
Views: 6985

Re: 24 year old new dividend portfolio

Thanks in advance and I look forward to hearing from some of you more experienced investors. Even in the very short period of time the motif website depicts how their portfolio did, it did worse than the S&P500. Are you open to a better (and cheaper) way to do this and sleep well at night? If s...
by BolderBoy
Tue Sep 13, 2016 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Amending old tax return
Replies: 22
Views: 1164

Re: Amending old tax return

How painful is it to amend a 2014 federal and state (DC) tax return to add in a charitable contribution I forgot about? I itemized for 2014, 2015, and will do so for 2016. I've never amended a return before and am wondering if it's worth the hassle for a few hundred dollars. Presumably, amending 20...
by BolderBoy
Tue Sep 13, 2016 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Freelance "Contract Duration" Clause: Is Duration Enforceable? [USA]
Replies: 6
Views: 557

Re: Freelance "Contract Duration" Clause: Is Duration Enforceable? [USA]

is there a way to draft the "Contract Duration" Clause so that whatever length of time we agree on can be expected to be actual contract duration that both parties involved will have to abide by? I'm not a lawyer. How about instead of a forced duration (doubtful it can be enforced) have a...
by BolderBoy
Tue Sep 13, 2016 10:12 am
Forum: Personal Consumer Issues
Topic: a car problem (Subaru)
Replies: 21
Views: 3215

Re: a car problem (Subaru)

they ran an oil consumption test on it and found that it lost 3.4 quarts of oil in 1200 miles of city driving. Look at the bright side - at that rate of oil consumption you don't have to do anymore oil changes. :) Doesn't hurt to ask SOA if they can meet you half way with whatever fix is decided up...
by BolderBoy
Mon Sep 12, 2016 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Direct Rollover Check
Replies: 11
Views: 493

Re: 401k Direct Rollover Check

My previous employers custodian made the check payable to "Vanguard Fidelity Trust Company FBO My Name". It was a nightmare to get these people to process my rollover and now I'm terrified to have to get them to reissue me another. Do you guys think Vanguard will just accept this if I sen...
by BolderBoy
Mon Sep 12, 2016 11:04 am
Forum: Investing - Theory, News & General
Topic: Why does hint of Fed interest rate hike trigger sell-off?
Replies: 34
Views: 4033

Re: Why does hint of Fed interest rate hike trigger sell-off?

So an increase of 1/2% or even 1% should be no big deal. A 1% increase is potentially a very big deal on one front: the federal budget. The interest payment on the debt presently is not outrageous. Raise the rate acutely to 1% and could that payment become the budgetary elephant in the room? It is ...
by BolderBoy
Mon Sep 12, 2016 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Crowd funding
Replies: 2
Views: 366

Re: Crowd funding

Just wondering what people think of realcapinvest.com Wonder if its just another scam From their website, how is what they are claiming to provide, that much different from the Vanguard REIT fund, for example? Indeed, they can claim they'll provide double digit returns (could be as low as 10%). VG'...
by BolderBoy
Sun Sep 11, 2016 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check - former reluctant newb
Replies: 14
Views: 1231

Re: Portfolio Check - former reluctant newb

I want to begin by saying I’ve been bad about investing in general up until this point. I think you are doing okay. Welcome to the forum. Tax Rate: 25% Federal, 28% State Doesn't have anything to do with my comments, but what is your state tax rate? You can edit it in your OP above by clicking the ...
by BolderBoy
Fri Sep 09, 2016 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: What kind of account for after-tax windfall?
Replies: 11
Views: 1420

Re: What kind of account for after-tax windfall?

Where could it be held and invested while sheltering the principal from taxes? The principal as you are calling it, won't be taxed going forward. Capital gains and dividends which are derived from that principal amount, will be exposed to taxation depending upon your tax bracket. So we don't have e...
by BolderBoy
Fri Sep 09, 2016 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: student loan payoff - press on?
Replies: 6
Views: 478

Re: student loan payoff - press on?

TarHeel2002 wrote:stop aggressive student loan payoff - go back to maxing all tax deferred space

This. Tax-deferred contributions expire every year so don't let them get away from you, unused.

Otherwise sounds like you are doing quite well.
by BolderBoy
Wed Sep 07, 2016 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement - Planning Questions ... UPDATE
Replies: 48
Views: 5785

Re: Early Retirement - Planning Questions

I've use the SS website which included exact dates for last earnings. Should be right (right?) :? I don't know about the website, but the paper estimates that SS mails you says that the estimates are based on continued earning of your current earnings. It would be better to get this calculated exac...
by BolderBoy
Wed Sep 07, 2016 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement - Planning Questions ... UPDATE
Replies: 48
Views: 5785

Re: Early Retirement - Planning Questions ... UPDATE

His 401k at work (available 2017 via “Rule of 55”): 31.0%, NOC, Northrop Grumman Company stock, (29% avg growth over five years) I missed this the first few times reading through. Is 31% of your entire portfolio really tied up in ONE company stock? One of the BH's most valuable precepts: diversify ...
by BolderBoy
Wed Sep 07, 2016 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Early Retirement - Planning Questions ... UPDATE
Replies: 48
Views: 5785

Re: Early Retirement - Planning Questions ... UPDATE

We'll be early retiring, effective Nov 1, 2016. I'll be 58 and my wife 50. We've run various simulations that indicate we'll be good to go (Fidelity RIP, cfiresim / FireCalc, etc.). Expenses Jan 2017 to Dec 2022: $50K+$30K (mortgage) = $80K per year or about $6700/mo. Jan 2023 forward: $50K per yea...
by BolderBoy
Tue Sep 06, 2016 10:46 pm
Forum: Personal Consumer Issues
Topic: Ambulance Cost Insurance?
Replies: 5
Views: 557

Re: Ambulance Cost Insurance?

I am a long-time observer of the Boglehead's forums and now a first time participant. I am looking for anyone who has subscribed to MASA (Medical Air Services Association). We were pitched on the insurance by my wife's educational retirement association. It pays for worldwide ambulance services, bo...
by BolderBoy
Sun Sep 04, 2016 8:36 pm
Forum: Personal Consumer Issues
Topic: Emergency radio with hand crank
Replies: 30
Views: 2356

Re: Emergency radio with hand crank

How about a small DC-To-AC inverter kept in the car just in case? eBays has gobs of them, pretty cheap.
by BolderBoy
Sat Sep 03, 2016 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Help with potential lawsuit
Replies: 32
Views: 2757

Re: Help with potential lawsuit

We have discovered that throughout this process, we need to bump up our bodily injury coverage in the future, as ours is pretty low. Any advice, however, about how best to proceed? We're a little scared that we may be taken to court and personally liable for damages that exceed our coverage. In gen...
by BolderBoy
Fri Sep 02, 2016 10:43 pm
Forum: Personal Consumer Issues
Topic: Email Service Provider
Replies: 41
Views: 2167

Re: Email Service Provider

I prefer Outlook.com (not hotmail anymore) Ads! Just logged onto my Outlook.com mailbox. It complained about my adblocker. I tried to delete all the junk mail - it ignores the request. So much for OL email... I'll let them delete the account for lack of use going forward. Yeah, I noticed that too. ...
by BolderBoy
Fri Sep 02, 2016 10:36 pm
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 6573

Re: Frustrated Losing Weight!

Veggies should be your primary food on your plate for all meals. 1/2 the plate! Protein 1/3 and then the remaining 1/6 can be something like soba noodles or sometimes, brown rice. So I never get to enjoy eating again? Is there no solution where I can enjoy good-tasting food, AND lose weight? Contro...
by BolderBoy
Fri Sep 02, 2016 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking Job Ideas for a disabled MD
Replies: 17
Views: 1988

Re: Seeking Job Ideas for a disabled MD

furwut wrote:What sort of job opportunities could she do that would take advantage of her medical training but aren't clinical?

There have been a number of blind-from-birth folks who became psychiatrists. Might she have an interest there?
by BolderBoy
Fri Sep 02, 2016 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Trying to open Vanguard, Stationed Overseas
Replies: 11
Views: 863

Re: Trying to open Vanguard, Stationed Overseas

takern wrote:When I hit continue, it immediately tells me they could not verify my identity.

I wonder if they are looking at your IP address and taking issue with your location? Any chance of doing this via a stateside VPN?
by BolderBoy
Fri Sep 02, 2016 8:51 am
Forum: Investing - Help with Personal Investments
Topic: How to transition into retirement?
Replies: 14
Views: 1982

Re: How to transition into retirement?

vchiu25 wrote:Not sure what to do about health insurance yet, need to investigate. Probably some high deductible plan.

This is the single biggest risk exposure that your plan has. Solve this (long term!) before going further.
by BolderBoy
Fri Sep 02, 2016 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones and my in-laws
Replies: 44
Views: 4923

Re: Edward Jones and my in-laws

Cheeko246 wrote:but my husband and I don't know if we should get involved.

Pick your battles. This isn't a good one for the reasons you give in your OP.
by BolderBoy
Fri Sep 02, 2016 8:36 am
Forum: Personal Consumer Issues
Topic: Windows 10 Update error
Replies: 16
Views: 1013

Re: Windows 10 Update error

Any other suggestions? Windows will bug you every day about "updates to install", but you can just exit the update window: Change Windows Update to Notify: One of the better ways to define how Windows handles system updates is through the Group Policy Editor. While you find options in the...
by BolderBoy
Fri Sep 02, 2016 8:21 am
Forum: Personal Consumer Issues
Topic: Email Service Provider
Replies: 41
Views: 2167

Re: Email Service Provider

jjface wrote:I prefer Outlook.com (not hotmail anymore)

Ads!

Just logged onto my Outlook.com mailbox. It complained about my adblocker. I tried to delete all the junk mail - it ignores the request. So much for OL email... I'll let them delete the account for lack of use going forward.

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