Search found 2553 matches

by BolderBoy
Sat Dec 10, 2016 2:45 pm
Forum: Personal Consumer Issues
Topic: Software to save a log of hard disk directories/files?
Replies: 5
Views: 258

Re: Software to save a log of hard disk directories/files?

Anyone know of a software utility that creates a (preferably spreadsheet .csv or .xlsx) log file for an entire hard drive, of the directory tree, and all the files underneath each branch sorted by your choice of name/size/date? You are using Windows? Open a command prompt window (MSDOS window) and ...
by BolderBoy
Sat Dec 10, 2016 12:31 am
Forum: Personal Consumer Issues
Topic: Physician went out of network. Now I have a bill to pay. What to do
Replies: 53
Views: 3240

Re: Physician went out of network. Now I have a bill to pay. What to do

You mean that everything you read on the web is true? Most people know that many websites are out of date. This is just not for medical insurance. I just went to buy something at a business that was no longer at the address advertised online. Yep, I vaguely remember them moving about 5 years ago. N...
by BolderBoy
Sat Dec 10, 2016 12:22 am
Forum: Personal Consumer Issues
Topic: Physician went out of network. Now I have a bill to pay. What to do
Replies: 53
Views: 3240

Re: Physician went out of network. Now I have a bill to pay. What to do

My wife could have called them. But on a different note, I just checked the BlueCross website and the facility STILL shows in-network! Hah! Capture that website screen and make sure it shows today's date. Then, if you have the time, you can win this but they are going to squeal like pigs in oil. Be...
by BolderBoy
Fri Dec 09, 2016 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: Should I remain on the sidelines until the crash? Or invest now?
Replies: 26
Views: 3972

Re: Should I remain on the sidelines until the crash? Or invest now?

chauncey88 wrote:I’m 40 years old and have a nice 401K plan:
6% input from me +9% input from my employer = 15% total per paycheck

One thing you need to plan for right away is bumping up your 401k contribution to the max allowed/yr.
by BolderBoy
Fri Dec 09, 2016 11:54 am
Forum: Personal Consumer Issues
Topic: Physician went out of network. Now I have a bill to pay. What to do
Replies: 53
Views: 3240

Re: Physician went out of network. Now I have a bill to pay. What to do

My wife could have called them. But on a different note, I just checked the BlueCross website and the facility STILL shows in-network! Hah! Capture that website screen and make sure it shows today's date. Then, if you have the time, you can win this but they are going to squeal like pigs in oil. Be...
by BolderBoy
Fri Dec 09, 2016 11:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 70
Views: 4822

Re: Vanguard's new "account overview" page... BOO!

For the 60 seconds it took me to get over the, "I don't like change...", issue, I didn't like the new format. Now I like it just fine (as was pointed out, CTRL + or - will change the size of what you see on your browser) and there is more info provided. I just tried out the "Market Su...
by BolderBoy
Tue Dec 06, 2016 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Can I time-shift sole proprietor income to max employer solo401k contributions?
Replies: 9
Views: 600

Re: Can I time-shift sole proprietor income to max employer solo401k contributions?

Spirit Rider is saying what the letter of the law requires. From a practical standpoint, if your client is willing to send you the check and to 1099 the amount next year, the IRS will likely know nothing more about it. One year a client mailed me his payment at the end of December. I was out of sta...
by BolderBoy
Mon Dec 05, 2016 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Can I time-shift sole proprietor income to max employer solo401k contributions?
Replies: 9
Views: 600

Re: Can I time-shift sole proprietor income to max employer solo401k contributions?

Spirit Rider is saying what the letter of the law requires. From a practical standpoint, if your client is willing to send you the check and to 1099 the amount next year, the IRS will likely know nothing more about it. One year a client mailed me his payment at the end of December. I was out of stat...
by BolderBoy
Sun Dec 04, 2016 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401k tax filing
Replies: 5
Views: 397

Re: Solo 401k tax filing

I would like to open up a solo 401k for my sole proprietorship. Currently, I just file the taxes for my business under my SSN. VG requires I get an EIN which I plan on doing. However, come tax time, will I now have to file taxes separately under the EIN or can I continue to file using my SSN? I pre...
by BolderBoy
Sun Dec 04, 2016 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience with Kaiser in Colorado
Replies: 36
Views: 2278

Re: Anyone have experience with Kaiser in Colorado

radiowave wrote:Wish there was a hospital in So metro . . .

I'm surprised there isn't, but that could change at some point. Before Good Sam was built, Kaiser's "northern" facility was Boulder Community Hospital. Good Sam is much better located to catch the wider audience up here.
by BolderBoy
Sun Dec 04, 2016 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience with Kaiser in Colorado
Replies: 36
Views: 2278

Re: Anyone have experience with Kaiser in Colorado

I am curious whether these kinds of changes have been done in other Kaiser regions. We are in the Washington DC area. As long as I've been with Kaiser in Colorado (~10 years) I've only ever seen the MD. Kaiser here does hire PAs and NPs to work in some areas, but not internal medicine apparently. A...
by BolderBoy
Sat Dec 03, 2016 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation!
Replies: 12
Views: 792

Re: Help with asset allocation!

impguard wrote:FUSVX - Fidelity® 500 Index Premium
FSCKX - Fidelity® Mid Cap Index Premium
FSSVX - Fidelity® Small Cap Index Premium
FSIVX - Fidelity® International Index Premium

Am I missing something or is this asset allocation = 100% equities?

Is that your goal (no bonds?)
by BolderBoy
Sat Dec 03, 2016 11:34 am
Forum: Personal Consumer Issues
Topic: the economics of Spinn coffee making
Replies: 28
Views: 2426

Re: the economics of Spinn coffee making

I noticed that they only provide a 6 month warranty. That would kill the deal for me right there.

Otherwise it is a nice looking machine.
by BolderBoy
Sat Dec 03, 2016 11:25 am
Forum: Personal Consumer Issues
Topic: Martinique
Replies: 7
Views: 921

Re: Martinique

Are you traveling with children? Be advised it is a French island so French rules on the beaches apply.
by BolderBoy
Sat Dec 03, 2016 11:24 am
Forum: Personal Consumer Issues
Topic: CBP (INS) Global Entry program worth it?
Replies: 38
Views: 1831

Re: CBP (INS) Global Entry program worth it?

... and I swear the TSA agents treat the preCheck folks better than those in the regular lines.
by BolderBoy
Sat Dec 03, 2016 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth now = $0!!
Replies: 30
Views: 5875

Re: Net Worth now = $0!!

GMan82 wrote:THANK YOU for showing me the right way to do things and for helping me get on track for a good life where I plan to "live to work" rather than "work to live."

Congratulations! You are proving that you are smarter than the average bear.
by BolderBoy
Sat Dec 03, 2016 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience with Kaiser in Colorado
Replies: 36
Views: 2278

Re: Anyone have experience with Kaiser in Colorado

radiowave wrote:Note for CO Kaiser, you need to use St. Josephs hospital just east of downtown Denver.

Can also use Good Sam in Lafayette.
by BolderBoy
Fri Dec 02, 2016 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience with Kaiser in Colorado
Replies: 36
Views: 2278

Re: Anyone have experience with Kaiser in Colorado

Thanks for the input. Apparently Kaiser does not require a referral for going to a specialist (at least how I understand it). That makes me happier that I don't 'always' have to go through my PCP. That said, I have a great relationship with my PCP and she's always been great to work with. I'm prett...
by BolderBoy
Fri Dec 02, 2016 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience with Kaiser in Colorado
Replies: 36
Views: 2278

Re: Anyone have experience with Kaiser in Colorado

I'm applying to the ACA for the first time this year. Does any have any thoughts or issues with any of the Insurance providers in Colorado. Specifically, I'd read about some people having issues with Kaiser. I have no experience with Kaiser, so no first hand knowledge. I was wondering if anyone mig...
by BolderBoy
Tue Nov 29, 2016 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Why does the car dealer say leasing is cheaper than buying?
Replies: 72
Views: 6659

Re: Why does the car dealer say leasing is cheaper than buying?

You can test this yourself in an extreme way. When it's very cold outside, throw a pot of cold water up in the air. it will splat down and make a wet hole in the snow, or perhaps freeze on contact with a sheet of ice that's already on the ground. Then throw a pot of boiling water. If the temperatur...
by BolderBoy
Tue Nov 29, 2016 11:13 am
Forum: Personal Consumer Issues
Topic: Gift To Self
Replies: 49
Views: 4165

Re: Gift To Self

I make it a point to only buy gifts for the person I am hopelessly, completely, utterly and obsessively in love with: me.
by BolderBoy
Mon Nov 28, 2016 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Why does the car dealer say leasing is cheaper than buying?
Replies: 72
Views: 6659

Re: Why does the car dealer say leasing is cheaper than buying?

I just bought a 2017 Acura RDX by trading in my 2014 Subaru Forester XT and paying the difference in cash. The salesman and finance manager tried to convince me... by doing the math ...that I would save money by leasing for 39 months, which, they said, 90% of their customers did. Can someone explai...
by BolderBoy
Mon Nov 28, 2016 11:07 am
Forum: Investing - Theory, News & General
Topic: What do your allocation numbers look like?
Replies: 14
Views: 1281

Re: What do your allocation numbers look like?

I ran my portfolio (more or less) through Instant X-ray to check on my allocations and tilts. Here's the base holdings: MGC 3.65% IVV 8.21% VTV 5.46% IWM 5.38% IJS 4.97% VBR 6.98% VNQ 4.99% VPL 1.53% VEA 1.53% VGK 1.35% EFV 4.41% VSS 5.57% VWO 2.81% Bond Index 20.66% Stable Value 20.09% EE Bond 0.3...
by BolderBoy
Sat Nov 26, 2016 10:41 am
Forum: Investing - Help with Personal Investments
Topic: My Bonds Are Enraging Me
Replies: 43
Views: 5225

Re: My Bonds Are Enraging Me

sigh. :annoyed Is this money that you can afford to lose? How long is your horizon? I have many millions, enough for many lifetimes. I'm just investing for fun. Still, I don't like to lose a single penny. Not so fun! Then don't invest. Since you've won the game, why take any risks at all? Go hang g...
by BolderBoy
Sat Nov 26, 2016 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Reinvesting dividends into my bond funds
Replies: 5
Views: 920

Re: Reinvesting dividends into my bond funds

In my taxable account, I have been depositing the dividends from my Vanguard limited term muni fund and my Vanguard GNMAE fund into my MM account. Now with yields rising and bond prices dipping, is this a good time to reinvest the dividends into the respective funds? You mean to buy more shares at ...
by BolderBoy
Sat Nov 26, 2016 12:22 am
Forum: Investing - Help with Personal Investments
Topic: Sold my business Advice regarding Investment
Replies: 3
Views: 662

Re: Sold my business Advice regarding Investment

I sold my business and after taxes I have 1.5 Million dollars. I am 56 years old and plan to work 5 more years. I am looking for safe investments which can give me 2-3 % return . I prefer to avoid stocks since I need this money for my retirement income But you need to beat inflation as well, so som...
by BolderBoy
Fri Nov 25, 2016 11:53 pm
Forum: Personal Consumer Issues
Topic: Internet Radio through Home Stereo?
Replies: 16
Views: 1454

Re: Internet Radio through Home Stereo?

I like to listen to Pandora through my three stereo systems in the house. I do this with old laptops connected into the aux jacks. This seems like a clunky method, but when I look up internet radio components they run $200-$300. Is there a less expensive product that will do what any old $30 Samsun...
by BolderBoy
Fri Nov 25, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 5900

Re: Black Friday - is this overdone?

Valuethinker wrote:Do you participate?

No.

Allow me to be the first: Bah Humbug!
by BolderBoy
Fri Nov 25, 2016 10:30 am
Forum: Investing - Help with Personal Investments
Topic: OK for me to retire in early 2017?
Replies: 14
Views: 3441

Re: OK for me to retire in early 2017?

Run your numbers through FIREcalc.com and/or cFIREsim.com and see what comes out the other end.

As stated above, don't forget to include taxes in your annual withdrawals for expenses.
by BolderBoy
Thu Nov 24, 2016 12:17 pm
Forum: Investing - Theory, News & General
Topic: Bogle Biography?
Replies: 16
Views: 1127

Re: Bogle Biography?

JKE wrote:This man is incredible! His mind seems sharper than those of most 25-year-olds.

He has a great sense of humor, too. Even better sense of the absurd. Taylor Larimore is of the same camp and amused us quite a bit at the BH conference this past September.
by BolderBoy
Thu Nov 24, 2016 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on AA for the retired
Replies: 44
Views: 4235

Re: Thoughts on AA for the retired

I'd be interested in others' opinions about how they chose their AA. What factored into their decision. And also where they keep the assets they want in the least risky place. I semi-retired 5 years ago with decreasing earned income until last year, now fully retired with no earned income for the n...
by BolderBoy
Thu Nov 24, 2016 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Maxed 401k - Now What?
Replies: 12
Views: 1980

Re: Maxed 401k - Now What?

What is your marginal tax rate (fed and state)?
by BolderBoy
Wed Nov 23, 2016 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Contacting the Upper Crust At Vanguard
Replies: 4
Views: 1190

Re: Contacting the Upper Crust At Vanguard

Do what livesoft said. What is the nature of your correspondence? A complaint? I can tell you that any complaint from the public that is written to the CEO of my megacorp that involves my department is immediately sent to me via the CEO's administrative assistant and I am asked to document a follow...
by BolderBoy
Wed Nov 23, 2016 11:34 am
Forum: Personal Consumer Issues
Topic: Fountain Pens - Do you use one?
Replies: 80
Views: 4095

Re: Fountain Pens - Do you use one?

The awful moment in the plane flight when you feel moisture on your chest and realize you still have the fountain pen in your pocket. And not just ballpoint "the shirt is ruined but as long as I keep my jacket on I can deal with it when I get back from the trip," but a serious, giant ink-...
by BolderBoy
Wed Nov 23, 2016 11:31 am
Forum: Personal Consumer Issues
Topic: Fountain Pens - Do you use one?
Replies: 80
Views: 4095

Re: Fountain Pens - Do you use one?

No. I use cheapo plastic promotional pens that I get free from various businesses. I was waiting for a post like this. I suspect they'll be a couple thousand "me too" replies... Not from me. They are utterly worthless. Must have thrown away thousands of them given to me by medical detail ...
by BolderBoy
Tue Nov 22, 2016 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Contacting the Upper Crust At Vanguard
Replies: 4
Views: 1190

Contacting the Upper Crust At Vanguard

A friend asked me: "Do me a favor—jump onto the BH forum and ask if anyone knows the best mailing address to write to F. William McNabb III, Karin A. Risi, and Anne E. Robinson, all on the Vanguard executive management team (CEO, Retail Manager, and general counsel respectively). They have a be...
by BolderBoy
Tue Nov 22, 2016 3:34 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 187
Views: 15104

Re: Retreat to cash

If you're in and uncomfortable - get out. Otherwise stay in. If you're out and uncomfortable - get in. Otherwise stay out. Can you run the experiment for us, please? You get out, we'll stay in, you come back next year and tell us what the right choice was, okay? We'll all learn something from it.
by BolderBoy
Mon Nov 21, 2016 11:15 am
Forum: Investing - Theory, News & General
Topic: Is it responsible to buy tens of thousands of dollars of a fund at once?
Replies: 35
Views: 3141

Re: Is it responsible to buy tens of thousands of dollars of a fund at once?

Thanks everyone! I'm also assuming that banks are generally OK with single transactions this large? Banks are generally okay with transactions of millions and tens of millions of dollars. 8-) Banks are happiest when the numbers are 9 figures and up. 8 figures are rounding errors for most banks. I h...
by BolderBoy
Mon Nov 21, 2016 11:12 am
Forum: Investing - Theory, News & General
Topic: Father passed - First steps to taking over finances?
Replies: 25
Views: 2166

Re: Father passed - First steps to taking over finances?

bertilak wrote:
dbr wrote:In my experience 50 is closer to reality than 5.

I guess I was lucky not needing that many.

I didn't need that many either. In fact, I needed only a couple. All of the places that required to see one were sensitive to the fact that they are expensive ($20/ea in my case!) and returned them.
by BolderBoy
Mon Nov 21, 2016 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Help me with "Your portofolio" tab in firecalc
Replies: 2
Views: 330

Re: Help me with "Your portofolio" tab in firecalc

Hi, I am trying to simulate my retirement scenarios using firecalc. Only one thing I don't get, the "your portfolio" tab. I am currently investing in Vanguard Target date fund 2045, how can I edit this tab to be closer as much as possible to my current and future AA? Use "worst case&...
by BolderBoy
Sun Nov 20, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: Mom has Office 2013, now wants Outlook
Replies: 12
Views: 1110

Re: Mom has Office 2013, now wants Outlook

badbreath wrote:I thought Outlook was no longer being updated or supported by Microsoft.

Outlook Express is gone.
by BolderBoy
Sun Nov 20, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: linux versus Mac for the average PC user
Replies: 58
Views: 2644

Re: linux versus Mac for the average PC user

livesoft wrote:If the OP wants to do this to learn linux, then a version is already on their Mac

Small point, but the Mac OS is based on BSD.
by BolderBoy
Sun Nov 20, 2016 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Seeking help with full financial makeover and long-term planning
Replies: 11
Views: 915

Re: Seeking help with full financial makeover and long-term planning

Note that, in your enviable financial position, I would sooner give myself a headache by putting spikes up my nostrils than managing investment properties. I like Simple Simon's comment. Only other thing I can think to add to the others' suggestions is perhaps if you can roll your IRA into your emp...
by BolderBoy
Sun Nov 20, 2016 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Wealth advisory services
Replies: 68
Views: 4302

Re: Wealth advisory services

Because at the end of the day, our continued status as "wealthy people" isn't really going to be driven by how well our investments perform, but rather how much of them we spend. I would take issue with the declaration that you are "wealthy people". You are very well off, maybe ...
by BolderBoy
Sun Nov 20, 2016 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Need help setting up Individual 401K
Replies: 15
Views: 849

Re: Need help setting up Individual 401K

1. Looks like she will need a employer EIN. The form says she can't use her SSN, but the feds don't require an EIN for sole proprietors, but I guess Vanguard or the federal regs require it for the Individual 401K? Yes, can be obtained online today. 2. I assume she must fill out a form as the employ...
by BolderBoy
Sat Nov 19, 2016 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house for your college kid?
Replies: 46
Views: 3688

Re: Would you buy a house for your college kid?

miamivice wrote:Have you ever thought about this? Would you ever consider an arrangement like this?

This sort of thing goes on in Boulder, CO all the time, but due to housing costs is limited to very well-off families. I've not heard of horror stories by doing this here.
by BolderBoy
Fri Nov 18, 2016 6:50 pm
Forum: Personal Consumer Issues
Topic: Online Account Security Questions
Replies: 30
Views: 2352

Re: Online Account Security Questions

I've checked the wiki and read a bunch of threads on Password Managers. I don't think they are for me at this time. Do any of you have a system with passwords/usernames that doesn't include a master account or third party entity? Im trying my best, but don't know a lot about this type of situation....
by BolderBoy
Fri Nov 18, 2016 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Investing now for possible future abroad
Replies: 12
Views: 1340

Re: Investing now for possible future abroad

Is there anything a young investor can do to insure against the possibility of permanent relocation and retirement overseas? I'm confused. This statement would seem to indicate that you have little control over such happening? Will you be kidnapped and spirited out of the country against your will?
by BolderBoy
Fri Nov 18, 2016 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy
Replies: 5
Views: 653

Re: Strategy

jj9 wrote:Tax rate: ??


Welcome!

Ask whoever does your taxes for you, what your "marginal tax rates" are (both federal and state. To make sound financial decisions, you need to know this all the time.
by BolderBoy
Sat Nov 12, 2016 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: What to do? Job offer
Replies: 4
Views: 1039

Re: What to do? Job offer

steve88 wrote: Two days later company B called again

You mean company A called you again, right? You can edit your original post to fix this if it is wrong.

I have no idea what to recommend.

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