Search found 1890 matches

by BolderBoy
Sun May 01, 2016 11:33 am
Forum: Investing - Help with Personal Investments
Topic: TLH Muni Funds ?
Replies: 5
Views: 297

Re: TLH Muni Funds ?

VA_Gent wrote:Are Vanguard muni funds exempt from the 6 month rule?

This was discussed a while back and the answer given was, "Yes."
by BolderBoy
Sun May 01, 2016 11:20 am
Forum: Personal Consumer Issues
Topic: Privia Medical Group
Replies: 2
Views: 305

Re: Privia Medical Group

Are charges hitting the card after insurance pays and everything is settles or or do they charge the entire bill to your card and then issue a credit on your card after insurance pays. I suspect it will be the latter. I doubt it is the latter. The practice will see the same EOB info that the patien...
by BolderBoy
Sun May 01, 2016 10:51 am
Forum: Personal Finance (Not Investing)
Topic: landlord problem
Replies: 23
Views: 1593

Re: landlord problem

you might also purchase a toaster or roaster oven. Not a general replacement for a full size oven, but they can be quite good. If you want to go this route, maybe just request a rent reduction until your oven is fixed. I like the toaster oven purchase solution + rent reduction for the duration. Jus...
by BolderBoy
Tue Apr 26, 2016 10:23 am
Forum: Investing - Help with Personal Investments
Topic: any opinions about investment clubs?
Replies: 19
Views: 863

Re: any opinions about investment clubs?

I recently joined an investment club in my area. It's run under the aegis of //www.betterinvesting.org/. Although I do have the bulk of my investments in passive equity and bond funds, I joined this club primarily to meet other people and make new friends. But I can't help but question the investme...
by BolderBoy
Sun Apr 24, 2016 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Differing yield figures for vanguard bond funds?
Replies: 6
Views: 323

Re: Differing yield figures for vanguard bond funds?

Use SEC yield values for comparing bond funds.
by BolderBoy
Sun Apr 24, 2016 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable accounts, help needed
Replies: 11
Views: 1001

Re: Taxable accounts, help needed

How about a 50/50 AA in taxable, using Total Stock Index Fund and Intermediate Term Tax-Exempt Bond? Could also use 40/60 AA without any argument from me. In taxable, it is usually best to NOT reinvest dividends and taxable gains.
by BolderBoy
Sun Apr 24, 2016 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover SEP-IRA into Individual (Solo) 401k?
Replies: 7
Views: 280

Re: Rollover SEP-IRA into Individual (Solo) 401k?

I'm considering starting an Individual 401k to increase our family retirement contributions; I would make contributions for myself and my spouse. I understand that if I pay my children (up to age 21) as employees (filing W-2s, etc.), I can still make Individual 401k contributions. (Of course, then ...
by BolderBoy
Sun Apr 24, 2016 3:47 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 526
Views: 57007

Re: Have you upgrade to Windows 10?

parigi723 wrote:Hello everyone:
Is it worth it to upgrade to windows 10? Pros and Cons ,please.
Many thanks,araucano. :happy

Yes. Have upgraded 5 computers in the last month, from W7 to W10. Zero troubles and I'm not going back. Pro versions.
by BolderBoy
Sun Apr 24, 2016 2:47 pm
Forum: Personal Consumer Issues
Topic: Pop up ads driving me nuts! Please help
Replies: 33
Views: 1907

Re: Pop up ads driving me nuts! Please help

island wrote:Yes pop up ads on my computer and IPad are driving me nuts

Don't know about the iPad, but Ghostery and uBlock Origin work excellently in Firefox and Chrome.
by BolderBoy
Sun Apr 24, 2016 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Drafting a Pitch to the Bosses to Switch 401K Providers
Replies: 16
Views: 1009

Re: Drafting a Pitch to the Bosses to Switch 401K Providers

opticyellow wrote:We have the same financial advisor woman on board who has moved us from Ascensus to Nationwide.

I'm curious why she moved you? Is Ascensus no longer a good choice? Is she being paid by Nationwide for this move?
by BolderBoy
Sun Apr 17, 2016 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: HELP! HR Doesn't Believe in Index Funds for 401k
Replies: 64
Views: 5135

Re: HELP! HR Doesn't Believe in Index Funds for 401k

Agree with most everyone above - you're not likely to get far.

But you could innocently say that you just want to help make sure that the Plan is in compliance with this SCOTUS ruling from 2014:

<http://www.supremecourt.gov/opinions/14pdf/13-550_97be.pdf>

... then say no more.
by BolderBoy
Wed Apr 13, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: home security and homeowners
Replies: 23
Views: 1577

Re: home security and homeowners

Kosmo wrote:Security cameras are only useful if they are monitored AND there is a nearby police department or private security force with a great response time.

If they are recorded the recording can be used to prosecute and convict. We had one sent off to prison as a result of a recorded B&E not long ago.
by BolderBoy
Tue Apr 12, 2016 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Possible Roth conversion calculation strategy
Replies: 17
Views: 916

Re: Possible Roth conversion calculation strategy

The spreadsheets I've seen all require inputs including projected rates of return, tax rates, etc. Given that these can be off by a substantial amount, I wonder how much accuracy you gain with a sophisticated spreadsheet. The hard part, for me, is figuring out which tax bracket to fill. I've been i...
by BolderBoy
Mon Apr 11, 2016 11:21 pm
Forum: Personal Consumer Issues
Topic: City wants to inspect furnace
Replies: 12
Views: 1350

Re: City wants to inspect furnace

The basement is beautifully furnished: I don't want an increase in assessments. An otherwise beautifully furnished basement can temporarily be made to look trashed - not terribly hard. For example, drop by the grocery, liquor and other such stores and collect a large number of empty boxes to be str...
by BolderBoy
Sun Apr 10, 2016 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: 30/Own current condo, could get high rent. Should I buy investment property and move out?
Replies: 2
Views: 396

Re: 30/Own current condo, could get high rent. Should I buy investment property and move out?

30 yrs old, single. $230k/yr. $120k in savings. If I were you (and I was you in the past) I would skip being a landlord (do you need the income?) and do the BH investing approach (maxing out retirement plans, deciding on an AA, making sure appropriate insurances are in order, etc.) Why the urge to ...
by BolderBoy
Sun Apr 10, 2016 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Investing for son in law retirement - Gifttrusts?
Replies: 12
Views: 1188

Re: Investing for son in law retirement - Gifttrusts?

My wife and I would like to gift him some money to help him fund his retirement...We do not want to put him in our wills or trusts "His retirement"? "Him in our wills or trusts"? Wouldn't you be helping with "their" retirement? In many states, inheritances are not cons...
by BolderBoy
Sun Apr 10, 2016 10:28 am
Forum: Personal Finance (Not Investing)
Topic: HSA "loophole" contingency plan
Replies: 8
Views: 1136

Re: HSA "loophole" contingency plan

Other HSA owners: Do you have a contingency plan if HSA law changes to, say, require HSA reimbursements to occur in the same year as health expenses are incurred? Would you just take a distribution from the HSA right before the law changes and offset it with your cumulative health expenses up to th...
by BolderBoy
Sun Apr 10, 2016 10:22 am
Forum: Personal Finance (Not Investing)
Topic: HDHP (w/ HSA) or PPO
Replies: 11
Views: 716

Re: HDHP (w/ HSA) or PPO

Texanbybirth wrote:Our plan year is June to May (so 06.2016 - 07.2016 coming up)
Our deductibles are Jan - Dec.

Any chance of considering a plan where the plan year and deductible year are the same?
by BolderBoy
Sun Apr 10, 2016 10:01 am
Forum: Personal Finance (Not Investing)
Topic: insurance brokers
Replies: 2
Views: 342

Re: insurance brokers

I'm thinking of using an insurance broker for some rental properties I own Any insights/advice? Do brokers usually find you the best deals? I used a broker for the first time this year, to switch my auto, home, umbrella. "Best deals" is pretty subjective. One thing my broker did was expla...
by BolderBoy
Sat Apr 09, 2016 11:11 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 526
Views: 57007

Re: Free Windows 10 Upgrade, Yes or No?

After reading some of these posts (and my ladyfriend going from W8.1 -> W10 on her laptop, then desktop), I pulled the trigger and upgraded W7 to W10 on my laptop, then on two other desktops, then finally on my production desktop machine. Every upgrade went without a hitch. None, nada, zip. Curiousl...
by BolderBoy
Sat Apr 09, 2016 10:59 am
Forum: Personal Consumer Issues
Topic: I'm willing to pay them whatever they want!
Replies: 66
Views: 7278

Re: I'm willing to pay them whatever they want!

I guess the internet since I continue to pay them whatever they charge. Not really that many alternatives out there to switch to if prices rise but I rely on the internet for my work at home. +1. Me, too. A former workmate moved to a new house outside of town and outside of the Comcast coverage are...
by BolderBoy
Sat Apr 09, 2016 10:52 am
Forum: Personal Finance (Not Investing)
Topic: is keeping employer health insurance a good reason to stay in a bad job
Replies: 29
Views: 1960

Re: is keeping employer health insurance a good reason to stay in a bad job

magazinewriter wrote:If you have any money in a 401k, you can withdraw the amount that would put you above the $14k or $29k threshold. You do not need to spend all of the money you withdraw, just put it in a taxable account.

You can also use Roth conversions to accomplish the same ends.
by BolderBoy
Sat Apr 09, 2016 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Possible Roth conversion calculation strategy
Replies: 17
Views: 916

Re: Possible Roth conversion calculation strategy

I see a number of spreadsheets and calculators, but am concerned they produce a degree of false precision, given the unknowns. I could well be missing something obvious. I would recommend that either you study the spreadsheets or better, devise one of your own. It is quite easy to use a spreadsheet...
by BolderBoy
Fri Apr 08, 2016 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Cash Out HSA account?
Replies: 16
Views: 806

Re: Cash Out HSA account?

kaneohe wrote:Transfer to someplace w/ no fees?

+1. Do this right away. I'm with Alliant CU.
by BolderBoy
Fri Apr 08, 2016 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Investing in total bond market index fund....all in at once?
Replies: 7
Views: 1113

Re: Investing in total bond market index fund....all in at once?

Hi all, Just two questions on investing on Fidelity's total bond market index fund (FSITX): 1. From what I read and learned on this site, it shouldn't make much of a difference long term (10 years, for my case) when money is invested in the total bond market index fund. I am using Fidelity because ...
by BolderBoy
Fri Apr 08, 2016 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Binary Options
Replies: 8
Views: 659

Re: Binary Options

grndcomm wrote:IMO it sounds like a too good to be true type offer

This is the answer...
by BolderBoy
Thu Apr 07, 2016 9:37 pm
Forum: Investing - Theory, News & General
Topic: Retirement
Replies: 32
Views: 2885

Re: Retirement

I am only 31 yrs. old so retirement for me is still a ways away. I was curious if you've ever met a person that simply does not want to retire b/c they love their job so much? Is this normal? I worked with a very wealthy surgeon who worked until the day he died (82), he loved taking care of his pat...
by BolderBoy
Thu Apr 07, 2016 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Credit cards with those little chip thingys...
Replies: 8
Views: 1034

Re: Credit cards with those little chip thingys...

strafe wrote:The chip verifies that your genuine card is present, not a copy. It is easy to create a fake magnetic strip containing your credit card number. But a thief can't readily create a fake chip.

This is the important answer. Cloning a non-chip card is trivially easy to do.
by BolderBoy
Thu Apr 07, 2016 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Investing during recession
Replies: 32
Views: 2434

Re: Investing during recession

klobar wrote:Now that many are predicting deep recession...

These would be the expert tarot card readers, right? Foretelling the future is notoriously difficult.

Ignore them, formulate an investment plan and stick with it, ignoring your emotional urge to do something else.
by BolderBoy
Thu Apr 07, 2016 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Nuts? [to reallocate portfolio]
Replies: 31
Views: 2402

Re: Am I Nuts?

I'm 43, have done well, and as a result I'm trying to remain pretty conservative with my investing. I'm thinking about allocating my 700k in investments the following way. Vanguard FTSE Pacific ETF: 10% short Vanguard Emerging Markets: 10% short Vanguard FTSE Europe ETF: 10% short Vanguard Total Bo...
by BolderBoy
Sun Apr 03, 2016 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: becoming your own accountant
Replies: 18
Views: 1450

Re: becoming your own accountant

hello Bogleheads! I am considering to file my taxes myself in the future and would like to learn accounting. my guess it is a formidable task and I would be grateful to know your feedback if you done it. It isn't easy, but it is doable. I took a correspondence tax preparation course in 1980 (when t...
by BolderBoy
Sun Apr 03, 2016 7:57 pm
Forum: Personal Consumer Issues
Topic: Breaking concrete
Replies: 42
Views: 3231

Re: Breaking concrete

I want to make a concrete area grass again. I could do one of two things: 1. I could break it up. It is about 6" thick probably about 20'. I want to do it myself any suggestions? Tools? Or I could possibly pile dirt about 5" above the concrete and it would be level with the rest of the gr...
by BolderBoy
Sun Apr 03, 2016 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Individual Retirement Annuity
Replies: 9
Views: 863

Re: Single Premium Immediate Annuities (SPIAs)

adamthesmythe wrote:By the way- are you SURE it is $100/month fee?? Even Edward Jones is not that bad.

Yes, saw it with my own eyes. I can't remember the name of the company.
by BolderBoy
Sun Apr 03, 2016 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Individual Retirement Annuity
Replies: 9
Views: 863

Re: Individual Retirement Annuity

Wow. Thank you all. This is all waaaaaay over my head. I guess my commentary to my friend will be, "I don't know." and leave it at that.

I liked Taylor's commentary about the difference between life insurance and life annuities.
by BolderBoy
Sun Apr 03, 2016 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Individual Retirement Annuity
Replies: 9
Views: 863

Re: Single Premium Immediate Annuities (SPIAs)

Annuities are only good for the salespeople who sell them. Bogleheads: I agree that most annuities are only good for the salespeople who sell them. But there is an exception --SPIAs. I own two Single Premium Immediate Annuities (SPIAs) and they have been an excellent investment. Here's why: I no lo...
by BolderBoy
Sat Apr 02, 2016 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Individual Retirement Annuity
Replies: 9
Views: 863

Individual Retirement Annuity

I gather that this is just a tIRA tied up in some sort of annuity contract. Is there any advantage to this type of animal over a plain vanilla tIRA? Situation: friend bought one of these a number of years ago as part of a rollover from a workplace retirement plan. Started taking distributions 5.5 ye...
by BolderBoy
Sat Apr 02, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: Emergency Visit Bill
Replies: 28
Views: 2873

Re: Emergency Visit Bill

biscuit wrote:Insurance mentioned we need to meet the deductibles before they start paying.

I expect they did more than "mention" it. They surely declared it. This is common with health insurance policies. It is part of your "out of pocket maximum" that is your responsibility.
by BolderBoy
Sat Apr 02, 2016 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Advice for my parents (retired, risk adverse)
Replies: 11
Views: 874

Re: Advice for my parents (retired, risk adverse)

BL wrote:You forgot to give their tax bracket, which could make a difference.

Agreed - we need to know this.
by BolderBoy
Sat Apr 02, 2016 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Offseting unvested 401K
Replies: 2
Views: 197

Re: Offseting unvested 401K

I thought about contributing to my new employer 401K, but since they don't match, I probably don't want to bother with their 401K Any other thoughts? The general wisdom as I understand it follows this path: 1) contribute to your workplace 401k up to the match, then 2) max out your tIRA and/or rIRA ...
by BolderBoy
Sat Apr 02, 2016 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Best Way To Spread My Weekly Investment Amount
Replies: 11
Views: 838

Re: Best Way To Spread My Weekly Investment Amount

Alright, I'm not sure I know how to read this. Does this mean no one knows which is the best way to make my purchase each week? A little on each or all on one and then move on to the next? By the title of the thread, you want to "spread" your weekly investment. The best way to do that isn...
by BolderBoy
Thu Mar 31, 2016 8:18 pm
Forum: Personal Consumer Issues
Topic: Remodel or buy a different house?
Replies: 13
Views: 1393

Re: Remodel or buy a different house?

We currently live in ... a highly desirable area. If this is true (and by true I mean that you get unsolicited offers to buy your house for CASH from people all over the country) and you'd like to otherwise live in the house for >10 years, then I'd do the remodel. It may take years for the house to...
by BolderBoy
Thu Mar 31, 2016 8:11 pm
Forum: Personal Consumer Issues
Topic: Buy or pass on buying this first house?
Replies: 31
Views: 3279

Re: Buy or pass on buying this first house?

3) There is also a small creek (no more than 3-4 feet wide) running about 50 meters behind the house. Don't do it. I live a long way and uphill from the trickling creek west of me. In September 2013, this creek became a RAGING river which pushed 50 ton boulders downstream from, jumped its banks and...
by BolderBoy
Thu Mar 31, 2016 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Conversion Question
Replies: 7
Views: 429

Re: Backdoor Roth Conversion Question

JeepDaze wrote:Does this sound like a reasonable strategy?

How old are you? I would probably do this, particularly if you are years out from retirement, since the Roth would have a long time to generate non-taxable earnings going forward.
by BolderBoy
Wed Mar 30, 2016 11:58 pm
Forum: Personal Consumer Issues
Topic: GRE Study Materials
Replies: 22
Views: 1151

Re: GRE Study Materials

More and more graduate business schools are accepting the GRE in lieu of the GMAT for entrance into their MBA programs. I've reached out to the schools I'm interested in, and all will accept the GRE. As I begin to understand the nature of both tests I think I'd have a better shot for a distinguishe...
by BolderBoy
Wed Mar 30, 2016 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: 25 yo independent contractor looking for basic advice
Replies: 3
Views: 373

Re: 25 yo independent contractor looking for basic advice

Look up solo401k vs SEP. Generally a Solo401k may have higher pretax limits depending on your income level. +1. Agree with Lafder here. Go with a solo 401k at VG. You'll be able to do *both* profit sharing *and* salary deferral contributions (you can't do the latter with a SEP-IRA) and depending up...
by BolderBoy
Mon Mar 28, 2016 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: What is your current Cash to Investment ratio?
Replies: 112
Views: 5644

Re: What is your current Cash to Investment ratio?

chengong910 wrote:Hey all,

Kinda of wonder how this big picture looks like for other bogleheads here. How much cash (in saving and checking) do you hold compares to the total investment (including 401K, IRA, etc.) you have now? :sharebeer

1% or less ongoing, I'm 65 and retired. Not taking SS yet.
by BolderBoy
Mon Mar 28, 2016 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Clothing budget for DVM's, MD's, and other kinds of Medical Professionals
Replies: 38
Views: 3032

Re: Clothing budget for DVM's, MD's, and other kinds of Medical Professionals

1. What kind of medical professional are you 2. How do you dress in a way that impresses clients. 3. How much you budget per year for work cloths? Could you specify if you are male or female (I'm female) so I can get a good idea of what I should expect in the future? Anesthesia, spent my working li...
by BolderBoy
Mon Mar 28, 2016 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Self-employed Quarterly Tax Question
Replies: 6
Views: 624

Re: Self-employed Quarterly Tax Question

daveatca wrote:What you MUST do.
Have quarterly payments equal to a larger than 2015's quarterly payments.

That is one of the safe harbors, but there are 3 others in addition available on Form 2210. The above safe harbor cannot be met if one's 1099 income is say $100k in 2015 and only $15k in 2016, for example.
by BolderBoy
Mon Mar 28, 2016 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Individual 401(k), spouses, and form 5500 EZ
Replies: 2
Views: 260

Re: Individual 401(k), spouses, and form 5500 EZ

White Coat Investor wrote:I added my spouse to my individual 401(k) this year. Total assets are less than $250K. Do I have to file form 5500 EZ?

I interpret that as no. Would you agree?

I read the rules the same way you do. No.
by BolderBoy
Mon Mar 28, 2016 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Best bond fund in taxable for the bond portion
Replies: 7
Views: 679

Re: Best bond fund in taxable for the bond portion

I'm in the 25% bracket (Almost at 28%) and live in PA. I've just reached the size of portfolio where bonds are needed so I can "Sleep at night" I'm allocating about 30% to bonds and at the moment all the money for this is sitting in cash. I'm not sure which bond fund is the best in my sit...

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