Search found 4296 matches

by BolderBoy
Thu Apr 18, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life policy advice
Replies: 12
Views: 1006

Re: Whole Life policy advice

plog wrote:
Thu Apr 18, 2019 8:22 am
Cash them out.
+1. If you need life insurance (maybe you don't), buy 'term life'.
by BolderBoy
Thu Apr 18, 2019 9:40 am
Forum: Personal Finance (Not Investing)
Topic: I’m a Loser Stuck in a Dead End Job
Replies: 63
Views: 7802

Re: I’m a Loser Stuck in a Dead End Job

... and I have family who not only mocks me for not finishing school, but the job I have as well. You don't sound like a loser to me. But if this comment about your family is accurate, then you need to jettison them and don't look back. You don't need the negative input in your life. Are you up for...
by BolderBoy
Thu Apr 18, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: dropping umbrella and increasing auto liability
Replies: 56
Views: 3151

Re: dropping umbrella and increasing auto liability

I'm actually considering increasing mine from $2M to $5M How will you make this decision? We cant find examples of a 1M settlement offer being rejected, followed by a jury award over 1M (Malpractice and commercial insurance is different) You may be thinking about a wrongful death claim. How about a...
by BolderBoy
Tue Apr 16, 2019 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Jury Duty questions
Replies: 20
Views: 2066

Re: Jury Duty questions

I became US citizen few years back. Just received jury duty notice in mail today. It says I will know only on June 10th or so about the next steps. Have already made travel reservations to be out of the country from Jul 10 to Jul 31st. What will happen if I'm asked to appear on these dates? The ove...
by BolderBoy
Tue Apr 16, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6389

Re: What is your hobby and how did it come to be your hobby?

Obtained an amateur radio license in 1965 (electronics had interested me since I was 8 y/o). That was my primary hobby until 1979 when I got my first computer (to use with the ham radio instead of a noisy teletype machine). Quickly, computers - particularly programming - has largely replaced ham rad...
by BolderBoy
Tue Apr 16, 2019 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Parents added siblings and I to house title, possible to undo without negative consequences?
Replies: 37
Views: 1566

Re: Parents added siblings and I to house title, possible to undo without negative consequences?

Parents are Maryland residents, and all siblings have MD residency as well if that makes a difference. IANAL. Do your parents own the property outright (no mortgage)? A simpler way for them to do what they want may be to use Maryland's "transfer on death deed" option. If in fact your/siblings names...
by BolderBoy
Wed Apr 10, 2019 3:42 pm
Forum: Personal Investments
Topic: Inheritance Advice for Newbie:
Replies: 13
Views: 1151

Re: Inheritance Advice for Newbie:

CheeseHeadInParadise wrote:
Wed Apr 10, 2019 10:27 am
I would need $10-20K from inheritance for current/annual expenses.
If you put $800k of the inheritance in the Interm Term Tax-Exempt Fund it will throw off approx $1900/mo.
by BolderBoy
Fri Apr 05, 2019 8:33 am
Forum: Personal Consumer Issues
Topic: Seeking advice, car crashed into apartment
Replies: 10
Views: 946

Re: Seeking advice, LA area (car crashed into apartment)

Jack FFR1846 wrote:
Fri Apr 05, 2019 7:45 am
I agree with Strayshot. Get a lawyer who will sue everyone within sight. The driver, Uber, the city. Good luck.
+1. It is California, after all, where The Lawsuit rules supreme.
by BolderBoy
Thu Apr 04, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 36
Views: 3265

Re: Boglehead Pilots...advice

3. Be honest with yourself about flying. I was a lousy pilot (the spirits saved my butt numerous times until I got the message and quit flying.) If you decide you're a lousy pilot, quit flying. I have lost two very good professional friends to flying. One went down in his King Air, after over twent...
by BolderBoy
Thu Apr 04, 2019 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord looking to buy out my lease. Whats a reasonable price?
Replies: 73
Views: 5020

Re: Landlord looking to buy out my lease. Whats a reasonable price?

Pickle11 wrote:
Thu Apr 04, 2019 8:00 am
Tell him to make you an offer.
... that you can't refuse.
by BolderBoy
Tue Apr 02, 2019 4:43 pm
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 36
Views: 3265

Re: Boglehead Pilots...advice

I learned to fly in the 1970s. Even got an instrument rating. Great fun. 1. Get your medical first. 2. A 162 is fine for your private ticket. 3. Be honest with yourself about flying. I was a lousy pilot (the spirits saved my butt numerous times until I got the message and quit flying.) If you decide...
by BolderBoy
Fri Mar 29, 2019 9:18 pm
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 8640

Re: Tattoos and Bogleheads

I'm curious if many Bogleheads on the forum have tattoos. If so, of what, and what was the inspiration for it (them)? Also, any regrets? In the TV series, M*A*S*H, BJ Honeycutt said to Radar O'Reilly, "I never understood why people would put on their bodies, art that they wouldn't put on their wall...
by BolderBoy
Tue Mar 26, 2019 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Help with law school decision
Replies: 78
Views: 5143

Re: Help with law school decision

montanagirl wrote:
Tue Mar 26, 2019 10:00 am
mcraepat9 wrote:
Mon Mar 25, 2019 10:22 pm
Do not go to law school.
If law schools had a screening exam more like the MCAT than the LSAT these things wouldn't happen. 😉
There are plenty of physicians who preach, "Don't go to medical school."
by BolderBoy
Tue Mar 26, 2019 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Help with law school decision
Replies: 78
Views: 5143

Re: Help with law school decision

Do you want your lawyer dog-tired and working on what might be a life-altering case for you? You ever “drift off” when you’re absolutely exhausted? Warning: Anecdote follows... IANAL. My career was in healthcare. I was retained as an expert by a plaintiff's attorney and was being deposed by a VERY ...
by BolderBoy
Mon Mar 25, 2019 7:17 pm
Forum: Personal Consumer Issues
Topic: Please suggest: A forum to discuss relationship problems
Replies: 14
Views: 2151

Re: Please suggest: A forum to discuss relationship problems

Nowizard wrote:
Mon Mar 25, 2019 6:01 pm
Professional advice is unethical,...
I'm curious what you mean by this?
by BolderBoy
Fri Mar 22, 2019 11:16 pm
Forum: Personal Consumer Issues
Topic: Computer security
Replies: 52
Views: 3449

Re: Computer security

... but I will say that TLS relies on asymmetric encryption which is fundamentally different than the symmetric encryption that performs the bulk of the tunneling encryption in VPNs... I think this is misleading. The objective of the entire TLS handshake is to ultimately agree on a single-use, disp...
by BolderBoy
Thu Mar 14, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: Teen got into auto accident, fight ticket or pay fine?
Replies: 79
Views: 4163

Re: Teen got into auto accident, fight ticket or pay fine?

He got a moving violation which can be paid or we can fight it. Judges (and prosecutors) are interesting folks. If your son accepts responsibility for what he did a judge and prosecutor can make it a learning experience. If he really wants to "fight it" in the vein of "I refute the accusation that ...
by BolderBoy
Thu Mar 14, 2019 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Wrong W-2 form, what recourse?
Replies: 20
Views: 964

Re: Wrong W-2 form, what recourse?

rkhusky wrote:
Thu Mar 14, 2019 1:22 pm
Sounds like she needs a lawyer. Or at least, initially, the threat of hiring a lawyer.
+1. The H-1 visa comment was the giveaway for this being the correct action.
by BolderBoy
Sun Mar 10, 2019 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Accounting for house in net worth, expenses
Replies: 66
Views: 3962

Re: Accounting for house in net worth, expenses

Njm8845 wrote:
Sun Mar 10, 2019 4:44 pm
Assets - do you have your house appraised every couple years?
I just use the property tax assessor's valuation. Done Q 2 years.
by BolderBoy
Sun Mar 10, 2019 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Are academic enrichment courses for school age kids worth it
Replies: 61
Views: 3128

Re: Are academic enrichment courses for school age kids worth it

Bacchus01 wrote:
Sun Mar 10, 2019 7:58 pm
No. Not worth it. Let them be kids. Creativity goes a long ways. If the school is challenging, they are in great shape.
+1. Absolutely agree with this.
by BolderBoy
Sat Mar 09, 2019 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 contractors/business owners: reporting business mileage
Replies: 10
Views: 699

Re: 1099 contractors/business owners: reporting business mileage

Please let me know how you do it I think it works like this: You can choose between a mileage rate or actual costs of operating the vehicle. If you choose the actual cost method, then you would apportion those total costs based on the % split between business use and personal use. If you choose the...
by BolderBoy
Sat Mar 09, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: If you have a serious health problem, do you retire or?
Replies: 50
Views: 6290

Re: If you have a serious health problem, do you retire or?

flyingaway wrote:
Wed Mar 06, 2019 7:31 pm
Trebek chooses to continue working.
With that particular diagnosis I suppose that Mr Trebek will be one of the rare folks who goes to his grave saying, "I wish I'd spent more time at the office."

If it were me with that diagnosis, I'd quit working immediately.
by BolderBoy
Thu Mar 07, 2019 10:55 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7066

Re: attacked by off-leash dog

-How to protect yourself when attacked by dog? How to minimize the chances of being attacked? A stun weapon of some sort (not a Taser). One of those hand-held devices that discharges 50kV and makes the devil's own noise and a bright blue arc of light. Scares the dickens out of animals. Don't even n...
by BolderBoy
Sun Mar 03, 2019 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: SIL needs help. Car totaled, still owes $10k. Any way out?
Replies: 70
Views: 5147

Re: SIL needs help. Car totaled, still owes $10k. Any way out?

ChinchillaWhiplash wrote:
Sun Mar 03, 2019 9:05 am
She got hit in a parking lot. Caused enough damage to total it. Insurance paid her value of the car $6k, but she still owes $10k more!
I don't know how these things work. Why can't she sue the person who hit her to pay off the balance due on the loan?
by BolderBoy
Tue Feb 26, 2019 10:17 pm
Forum: Personal Investments
Topic: New to BH. I want to switch to 3-fund portfolio. Advice?
Replies: 18
Views: 1780

Re: New to BH. I want to switch to 3-fund portfolio. Advice?

Duckie wrote:
Tue Feb 26, 2019 6:36 pm
Maximus901 wrote:I would like to move to a three-fund portfolio, 80/20.
<snip>
Male 53 years old.
80/20 is very aggressive for your age. I'd be at least 35% bonds or better yet 40%.
Agreed. You are well on your way to financial independence and don't need to swing for the fence at this point in your life.
by BolderBoy
Mon Feb 25, 2019 10:30 pm
Forum: Personal Consumer Issues
Topic: How often do you and your friends change engine oil?
Replies: 167
Views: 7980

Re: How often do you and your friends change engine oil?

with the invention of synthetic oil? Just to make sure I'm understanding what "synthetic oil" isn't, it isn't "fake oil" created in a lab out of beet juice or watered down Campbell's soup. It is oil that is pumped out of the ground and then highly processed so that its molecules are very uniform in...
by BolderBoy
Sat Feb 23, 2019 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to ensure USPS mailed tax return makes it to IRS
Replies: 52
Views: 3264

Re: Best way to ensure USPS mailed tax return makes it to IRS

Minty wrote:
Sat Feb 23, 2019 1:29 pm
I file at the Post Office via ordinary first class mail with a certificate of mailing and have never had a problem.
An excellent bit of info. Never heard of this before. Presumably there is no charge for this service?
by BolderBoy
Mon Feb 18, 2019 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: More Bad News for USAA Bank
Replies: 61
Views: 10078

Re: More Bad News for USAA Bank

This includes State Farm Florida, which was created for the purpose of going bankrupt if a severe hurricane makes a direct strike on Miami. The real State Farm left Florida after 2004. This is a common business model for lots of insurance companies. I have personal knowledge that The Hartford and C...
by BolderBoy
Sun Feb 17, 2019 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Moved to new state/job 6M ago. Previous employer wants me back!
Replies: 57
Views: 5603

Re: Moved to new state/job 6M ago. Previous employer wants me back!

I moved from CA to TX about 6 months ago. - Two kids in high school. Asked them what they thought, they don't want to move again. First time was bad enough! - Wife doesn't want to move, likes it out here. Just started making new friends and feeling settled. Loves the weather! Where in Texas did you...
by BolderBoy
Sun Feb 17, 2019 9:40 pm
Forum: Personal Consumer Issues
Topic: Trailer towing capacity questions
Replies: 50
Views: 2212

Re: Trailer towing capacity questions

Tamales wrote:
Sun Feb 17, 2019 1:26 pm
I've never towed a trailer but expect that I will have a need to learn how to do so going forward.
This thread may give you some pointers: viewtopic.php?f=11&t=220548
by BolderBoy
Sat Feb 16, 2019 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone ever heard of an unsolicited retroactive pay raise?
Replies: 24
Views: 1923

Re: Anyone ever heard of an unsolicited retroactive pay raise?

My spouse just received a letter from her employer stating that her salary will be increased retroactively to the start of her most recent contract (which was back in 2018). The letter stated that the increase was the result of a benchmarking study that found that certain positions, including hers,...
by BolderBoy
Fri Feb 15, 2019 10:20 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1227
Views: 122560

Re: Personal favorite TV/cable series

02nz wrote:
Fri Feb 15, 2019 11:10 am
The Americans
+1. Easy to binge on this one.
by BolderBoy
Thu Feb 14, 2019 9:48 pm
Forum: Personal Consumer Issues
Topic: High Mileage Car
Replies: 24
Views: 2662

Re: High Mileage Car

For me, if the single-sitting repair costs are more than the value of the vehicle it is time to get a newer, lower mileage car. Otherwise I'd fix it.
by BolderBoy
Thu Feb 14, 2019 1:03 pm
Forum: Personal Investments
Topic: Disabled but unable to withdraw money early from 401(k)
Replies: 16
Views: 1533

Re: Disabled but unable to withdraw money early from 401(k)

Wanted_A_Pony wrote:
Wed Feb 13, 2019 11:19 am
My husband, who's 56 and disabled after a bad car accident...
If his disability is permanent, have you started the SS disability claim process? Don't tarry...
by BolderBoy
Thu Feb 14, 2019 12:57 pm
Forum: Personal Investments
Topic: Taxable account questions
Replies: 11
Views: 1520

Re: Taxable account questions

rh1122 wrote:
Wed Feb 13, 2019 8:57 am
I'm okay with market fluctuations of holding mutual funds only.
Were you invested 100% in equities during the 2007-2008 market rout? Did you ignore the turmoil and keep adding to your equities?

If you were even slightly rattled, then you need some fixed income in your portfolio.
by BolderBoy
Thu Feb 14, 2019 12:52 pm
Forum: Personal Investments
Topic: How much should my net worth be if ...
Replies: 18
Views: 3160

Re: How much should my net worth be if ...

ruralavalon wrote:
Thu Feb 14, 2019 12:39 pm
www.firecalc.com

www.i-orp.com
+1 on these. Particularly the firecalc.com link.

This will tell you more than our guesses can at this point.

Spend some time getting the hang of how firecalc.com works and what it is telling you.
by BolderBoy
Thu Feb 14, 2019 12:47 pm
Forum: Personal Investments
Topic: Missed the Boat!!
Replies: 47
Views: 6339

Re: Missed the Boat!!

Currently, more than 40% of my investment portfolio of $750-800K sits in bonds and cash.... My personal inclination is to wait having waited for some time anyways... You only have 3 things to take care of when you invest: 1) your AA 2) controlling costs 3) diversification All three of those are und...
by BolderBoy
Thu Feb 14, 2019 12:17 pm
Forum: Personal Investments
Topic: Inheritance strategy...
Replies: 12
Views: 1812

Re: Inheritance strategy...

dcq wrote:
Thu Feb 14, 2019 10:44 am
I didn't want to post too many details...
We want to help but I think your postings are so light on details that the answers you are getting are quite literally shots in the dark.

You are quite anonymous here. No one can link your userid to who you really are. More details will help.
by BolderBoy
Wed Feb 13, 2019 11:28 am
Forum: Personal Consumer Issues
Topic: Employer Arbitration vs. Court
Replies: 14
Views: 1234

Re: Employer Arbitration vs. Court

dlabel wrote:
Tue Feb 12, 2019 8:19 am
Definitely not for your benefit. Probably not much you can do it about it unless you want to lead a drive to unionize.
Not a bad idea to use the threat of unionization to thwart this.
by BolderBoy
Wed Feb 13, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: Best site for reverse phone number lookup
Replies: 24
Views: 2494

Re: Best site for reverse phone number lookup

When I get calls from numbers I don't recognize or with ID blocked, I often do not answer the call. I'd like to look up the number to help decide if I should block further calls from it. What do you use to get that information? Google does not seem to work most of the time, and every other site I'v...
by BolderBoy
Tue Feb 12, 2019 10:58 pm
Forum: Personal Investments
Topic: Help name a new analytics firm
Replies: 34
Views: 2214

Re: Help name a new analytics firm

LiterallyIronic wrote:
Tue Feb 12, 2019 6:05 pm
I like PharmAlytics. Seems like a cool portmanteau of "pharmaceuticals" and "analytics."
+1. You beat me to it.
by BolderBoy
Tue Feb 12, 2019 10:51 pm
Forum: Investing - Theory, News & General
Topic: Benefits of Fidelity vs Vanguard
Replies: 50
Views: 6258

Re: Benefits of Fidelity vs Vanguard

I agree with Taylor Larimore. Having all your investments at one company makes life easier.
by BolderBoy
Tue Feb 12, 2019 10:45 pm
Forum: Personal Investments
Topic: still contribute to IRA even if it is not pretax?
Replies: 16
Views: 1502

Re: still contribute to IRA even if it is not pretax?

Can you roll over your IRA into your 401k? That would allow you to do the backdoor Roth without paying taxes. That said, if your 401 has high fees, it may not be a good idea. Then again, what are the fees you're paying "your broker" to manage your investments (including, I assume, your Roth)? great...
by BolderBoy
Tue Feb 12, 2019 10:42 pm
Forum: Personal Investments
Topic: Will this cause an audit ?
Replies: 28
Views: 3215

Re: Will this cause an audit ?

mhc wrote:
Tue Feb 12, 2019 1:24 pm
All of my dealings with the IRS in the past have been quite pleasant even though I have been black listed for life by them.
Can you explain what you mean by this?
by BolderBoy
Tue Feb 12, 2019 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Can I file jointly with my girlfriend
Replies: 32
Views: 4078

Re: Can I file jointly with my girlfriend

Either (but not both) you or your girlfriend should file as Head Of Household and claim the child as a dependent.
by BolderBoy
Mon Feb 11, 2019 1:00 pm
Forum: Personal Investments
Topic: Is this just too simple
Replies: 41
Views: 6241

Re: Is this just too simple

I am considering putting all my taxable money in VTMFX and my tax advantaged into VWENX. Two funds which if I am reading the simulators right will work as well if not better than what I am doing now. I am not afraid of risk, I go for it on 4th and short kinda guy but I wonder if this is as simple a...
by BolderBoy
Mon Feb 11, 2019 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: When You Realized You Don't Need 401k in Retirement...
Replies: 34
Views: 3571

Re: When You Realized You Don't Need 401k in Retirement...

capitalhockey wrote:
Mon Feb 11, 2019 10:12 am
1) Does this mean that I am essentially building my 401k and investment accounts to pass along to my kids since I won't use them?
At the very least, when you reach age 70.5 you'll have to take RMDs from this 401k whether you want to or not.
by BolderBoy
Mon Feb 11, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Loss Carry Forward
Replies: 7
Views: 390

Re: Capital Loss Carry Forward

Last time I needed this was about 10 years ago so I do not remember the exact procedure. This year I have a) $15,000 short term capital loss b) $8,000 long term capital gain So I have a net capital loss of $7,000. I am eligible for a $3,000 loss against my regular income this year. This leaves $4,0...
by BolderBoy
Mon Feb 11, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: Wasting Electricity for Fun and Profit
Replies: 58
Views: 5437

Re: Consuming Electricity for Fun and Profit

Startled Cat wrote:
Sat Feb 09, 2019 1:18 am
From a Californian's perspective, that rate plan is completely bizarre. Texas might as well be another planet.
Funny that you said that. Texas is actually a separate electric grid. See this: http://fnetpublic.utk.edu/frequencymap.html
by BolderBoy
Mon Feb 11, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: How to capture wifi and boost signal strength
Replies: 21
Views: 1558

Re: How to capture wifi and boost signal strength

I set this model up for my parents to use at their cottage (using a neighbor’s connection). They have their temperature monitors, Nest, and Security Cams hooked up to it. That way they have year round coverage. When they go up for longer periods, they enable their own cable internet+cable tv, but t...