Search found 3892 matches

by BolderBoy
Mon Jul 16, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Travel to Mainland China - Cyber Security
Replies: 17
Views: 1225

Re: Travel to Mainland China - Cyber Security

VPN is your best bet. Your home router may even have VPN server functionality, so that all traffic from your devices in China go through your home router and then back out to the public internet. https://www.vpnuniversity.com/tutorial/how-to-setup-openvpn-asus-routers-asuswrt +1. VPN is the way to ...
by BolderBoy
Sun Jul 15, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: 401k for 1099 income
Replies: 6
Views: 580

Re: 401k for 1099 income

You can't exceed a total of $18500 total employee contributions tax deferred for all qualified plans put together. However you could fund the employer match of a self employed 401k. It would only be approx.20% of self employment income, or $2400, so that may not be enough to be worth the effort. I ...
by BolderBoy
Sun Jul 15, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9218

Re: When does frugal cross the line to cheapskate?

If your frugality is making someone unhappy, you've crossed the line. That someone could be somebody else ("stingy,") or it could be you ("miserly.") Not sure I entirely agree with this. 15 years ago a girlfriend and I went our separate ways. She said I was parsimonious (I had to look it up) and th...
by BolderBoy
Sat Jul 14, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: How is my money looking going forward?
Replies: 3
Views: 542

Re: How is my money looking going forward?

Income: 60K (plus 9% match on 401k, plus profit sharing -- 13% for 2017) Looks like you are doing pretty well for age 27. Amazing you can live on $13k/yr. I'm curious what the quoted line above means? Is "profit sharing" in your usage = to "bonus"? BTW, your 9% match on the 401k contributions is ve...
by BolderBoy
Fri Jul 13, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Which degree to pursue?
Replies: 16
Views: 1141

Re: Which degree to pursue?

adamthesmythe wrote:
Thu Jul 12, 2018 10:11 am
At some point, usually after you have been working a while, the credential doesn't matter as much as the experience.
Can't emphasize enough how accurate this is!
by BolderBoy
Wed Jul 11, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5288

Re: Anyone take naps at work?

pascal wrote:
Wed Jul 11, 2018 12:22 pm
Just wondering if people take naps at work and if anybody has inputs on how they view such breaks?
If you do and someone awakens you, be sure the first word out of your mouth is, "Amen."
by BolderBoy
Sun Jul 08, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: disability insurance
Replies: 15
Views: 800

Re: disability insurance

omerthegrouch wrote:
Sun Jul 08, 2018 1:41 pm
1) the new employer will provide me with long term disability, they will cover the cost, the monthly maximum is 10K. Should I just keep my older policy as well?
Is the older policy an "own occupation" policy?
by BolderBoy
Sun Jul 08, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 96
Views: 8254

Re: What rate of return are you using for retirement projections?

I'm 56 years old, and have been planning diligently for an anticipated retirement at age 60. I use a 30-year retirement duration for my planning purposes (60 to 90 years of age). My question: what rate of return do some of you use when you're looking at how long your nest egg will last? FIREcalc.co...
by BolderBoy
Fri Jul 06, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Tech help needed. What programs/data to remove from MacBook before sending in for repair? And, how to restore it later?
Replies: 22
Views: 1431

Re: Tech help needed. What programs/data to remove from MacBook before sending in for repair? And, how to restore it la

Remove the SSD on my still fairly brand new MacBook Pro Laptop????? I did some reading about the MacBook Pro (I'm not a Mac guy) and found more support for the reason that I loathe Apple - because of its hardware shenanigans. The SSD is soldered to the mobo and removing it requires disassembly of t...
by BolderBoy
Fri Jul 06, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Multi-unit garbage woes..
Replies: 20
Views: 1478

Re: Multi-unit garbage woes..

Is there any solution for this? I think they tried doing locks in the past, but the offenders would just throw trash on top.. I brought up cameras but they said it's a privacy issue (which I kind of agree with). Should I just keep reporting this? The HOA has been pretty good, so I'm sure they'd pur...
by BolderBoy
Fri Jul 06, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: What are these Bank & Credit Union Fees?
Replies: 16
Views: 1435

Re: What are these Bank & Credit Union Feesou wanted the bank to hold your paper statements if you were on vacation or o

lilblu wrote:
Sun Jul 01, 2018 12:47 am
I want to open a new bank account at a local branch and deposit a check from my aunt. She claims there's enough to cover it, but I question that.
Can you go to her bank and cash the check there? In olden days I think we used to call this, "Hammering the check."
by BolderBoy
Fri Jul 06, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 126
Views: 8632

Re: What I spent in 6 months on medicare

dm200 wrote:
Thu Jul 05, 2018 5:47 pm
Medicare (Kaiser) plan premiums $30/month...
Interesting the difference here. I'm in the Boulder/Denver Kaiser service area and our Medicare plan dues are $48/month.
by BolderBoy
Sun Jun 24, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE thought experiment
Replies: 24
Views: 2571

Re: FIRE thought experiment

skor99 wrote:
Sun Jun 24, 2018 9:02 am
I missed mentioning health insurance - thanks for bringing it up. But Is there anything such as a low paying job which provides health insurance anymore?
Hospital custodian (housekeeping staff) comes to mind?
by BolderBoy
Fri Jun 22, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: 4K Computer Monitors: 27 vs 32 inches?
Replies: 29
Views: 2261

Re: 4K Computer Monitors: 27 vs 32 inches?

I have a similar situation, where I need to view vertically-oriented PDFs while also viewing other stuff on horizontally-oriented main screen. The best answer is two monitors. Keep your current monitor as-is, and add a vertically-oriented monitor right beside it. When it is monitor-upgrade time for...
by BolderBoy
Fri Jun 22, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: IRS: Great customer service?
Replies: 20
Views: 1956

Re: IRS: Great customer service?

I'd always advise sending certified mail with return request. It gets their attention because they know to a certainty that you have proof that will hold up in Tax Court if it reaches that point. Dream on. I know first hand how incoming mail to the local IRS service center is processed. Certified a...
by BolderBoy
Fri Jun 22, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Is it normal for federal and state taxable income to be wildly different?
Replies: 10
Views: 742

Re: Is it normal for federal and state taxable income to be wildly different?

I was perusing my 2017 TurboTax printout and noticed my Federal and North Carolina taxable income were quite different. My state taxable income was substantially higher. Is this typical? I thought that states just used federal taxable income. Most states use either FTI or FAGI as their starting pla...
by BolderBoy
Wed Jun 20, 2018 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Considering adding VWALX; pros-cons
Replies: 14
Views: 1537

Re: Considering adding VWALX; pros-cons

Was hoping that others with more knowledge than I could speak to the pros and cons of this fund relative to VWIUX, especially in the current time of rising interest rates. The primary purpose of bonds in a portfolio is to mitigate risk. A common wisdom is to take your risks on the stock side of you...
by BolderBoy
Wed Jun 20, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Changing from Average Cost basis to Spec ID
Replies: 4
Views: 494

Re: Changing from Average Cost basis to Spec ID

jj wrote:
Wed Jun 20, 2018 8:51 am
If I sell the whole position, I have a small loss <$10,000, and then buy the same fund back again in 31 days+ can I then start over again with Spec ID?

I'm not sure if the IRS rules allow a change like this.
I don't know what the IRS rules say, but I've done exactly this and Vanguard allowed it.
by BolderBoy
Wed Jun 20, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Value of a Military Retirement
Replies: 30
Views: 3452

Re: Value of a Military Retirement

I do enjoy being a physician in the military. I'm not itching to leave. There are some uncertainties and some things that could make my life much harder. And I don't have the option to scale back in the military; it's pretty much full speed ahead until retirement, more stress and responsibility ove...
by BolderBoy
Wed Jun 20, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: How far can I go to ask Morgan Stanley to fix their mistake?
Replies: 8
Views: 759

Re: How far can I go to ask Morgan Stanley to fix their mistake?

I am trying to escalate this but I honestly don't how far can I go or what could I get out of this. This will disturb my plans for the whole year unfortunately and I am pretty frustrated at them. They already acknowledge that the mistake is clearly on their part and they are "looking into what they...
by BolderBoy
Wed Jun 20, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: How to evaluate charities to donate to?
Replies: 36
Views: 1371

Re: How to evaluate charities to donate to?

Yankuba wrote:
Wed Jun 20, 2018 10:32 am
Me too. I also read the IRS Form 990s whenever I can. If the 990 isn't online you can email the non profit for it. If they don't send you one it is a red flag in my book.
I agree with this and do it in every case. Rule out orgs that pay their CEOs outrageously (United Way?)
by BolderBoy
Wed Jun 20, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 5670

Re: Surprise - Costco sells - but does not install vehicle batteries

Rupert wrote:
Wed Jun 20, 2018 11:02 am
Who charges $50 to do that? Auto Zone does it for free if you buy your battery there.
Only if the battery is "under the hood".
by BolderBoy
Tue Jun 19, 2018 8:56 pm
Forum: Investing - Theory, News & General
Topic: General Electric booted from Dow Jones Industrial Average
Replies: 52
Views: 6347

Re: General Electric booted from Dow Jones Industrial Average

Rick Ferri wrote:
Tue Jun 19, 2018 5:24 pm
Who cares? The DJIA should have been retired a long time ago.
Agreed, who cares? Also, this has been expected for a LONG time.
by BolderBoy
Tue Jun 19, 2018 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Illinois Land Trust. DIY Options and Attorney Representation
Replies: 5
Views: 464

Re: Illinois Land Trust. DIY Options and Attorney Representation

Tico_75 wrote:
Tue Jun 19, 2018 1:24 pm
This is simply to avoid probate in the -long- future, the properties are under my name.
Why not use this method to avoid probate on those properties? http://www.ilga.gov/legislation/ilcs/il ... apterID=60

IANAL.
by BolderBoy
Tue Jun 19, 2018 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Value of a Military Retirement
Replies: 30
Views: 3452

Re: Value of a Military Retirement

Are you enjoying being a physician in the military? Or are you merely putting up with it while you ponder the pension and lifetime healthcare bennies? If the former, then no question - stay for the retirement perks. If the latter, well... As mentioned earlier, it seems more of a lifestyle question.
by BolderBoy
Tue Jun 19, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on job change consideration
Replies: 15
Views: 1482

Re: Advice on job change consideration

LukeHeinz57 wrote:
Tue Jun 19, 2018 1:00 pm
Based on the information you have provided I would take the prospective job.
Likewise.
by BolderBoy
Tue Jun 19, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do you think it is smart to disclose that you have passive investments to other people?
Replies: 43
Views: 4364

Re: Do you think it is smart to disclose that you have passive investments to other people?

Let's say that you are a private practice lawyer, doctor, or some other sole proprietor with clients and that you own passive real estate rentals or other relatively passive cash-flowing businesses. Is it smart for you to disclose this to your clients when you are too busy to be as available for th...
by BolderBoy
Tue Jun 19, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Carpet Installers- Tipping?
Replies: 22
Views: 1614

Re: Carpet Installers- Tipping?

Kywildcat wrote:
Tue Jun 19, 2018 9:35 am
I am having carpet installed through a Lowes (free installation promo). Is there an expectation to tip the installers. I'm a relatively new homeowner and don't have much experience dealing with contractors. Thanks in advance.
When I was younger, no. Now, yes.
by BolderBoy
Sun Jun 17, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 8376

Re: Which Supermarket are you?

King Soopers (owned by Kroger) about a mile down the hill.
by BolderBoy
Sat Jun 16, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Houston Safety
Replies: 13
Views: 1290

Re: Houston Safety

Colorado is horribly cold in the winter, which comes every year for some reason. The air is very thin. I’ve lived here since 1999 and the coldness and thinness of the air has only gotten worse. In short, don’t move here. Move to California instead. Much warmer and much thicker air (so thick you can...
by BolderBoy
Sat Jun 16, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Houston Safety
Replies: 13
Views: 1290

Re: Houston Safety

Dave55 wrote:
Sat Jun 16, 2018 9:04 am
I lived a few blocks from there many years ago. Never was a problem then, not sure how it is now though.
... and now you live in Colorado :D
by BolderBoy
Sat Jun 16, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Houston Safety
Replies: 13
Views: 1290

Houston Safety

Never been to Houston before. Will be staying near S Main Street & McNee Road.

Is it a safe area? I'd just as soon leave my bazooka at home.
by BolderBoy
Wed Jun 13, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Cost-basis step-up at death
Replies: 9
Views: 1043

Re: Cost-basis step-up at death

Can I step-up the cost basis of these accounts to the date of my father's death? If so, can I step it up 100%? The type of joint account is JTWROS (Joint tenancy with with rights of survivorship). No. If you jointly own the account you get no stepped-up basis in the value of the accounts. The pseud...
by BolderBoy
Wed Jun 13, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Allowance [Giving allowance to child]
Replies: 28
Views: 2263

Re: Allowance [Giving allowance to child]

I don't understand the idea of an "allowance" - not even sure what it means. Make a deal with her that you are willing to pay her money for work she can and is willing to do. "Money for Work" should be the lesson. Pick things that you do now, that she can do instead (transfer of work from you to her...
by BolderBoy
Wed Jun 13, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Boring Job
Replies: 64
Views: 7360

Re: Boring Job

Just graduated from college a few months back and landed my first job... I come from a job where I could easily do 50 hours of demanding work a week so this was a big change for me...Thanks and I will appreciate any insight. My first insight is, "How can this be your first job if you, '...come from...
by BolderBoy
Wed Jun 13, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 16678

Re: Should I take possession of a certified mail?

Now he has sent us something in a certified mail, which we refused to accept. We really don't want to deal with him nor are there any outstanding bills that we owe to him. Should we accept the mail or not? Any thoughts? Thank you. Accept and open the letter. If there is anything even remotely threa...
by BolderBoy
Mon Jun 11, 2018 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Replacing total bond fund with municipal bond fund
Replies: 4
Views: 600

Re: Replacing total bond fund with municipal bond fund

Is it reasonable to forego the total bond market index fund completely in my tax-advantaged accounts (making more room for other investments) and to fund my taxable completely with municipal bond funds to hit my bond allocation targets? I have no room for REITs and other investments in may tax-adva...
by BolderBoy
Mon Jun 11, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: 2018 RAV 4 or Camry
Replies: 28
Views: 1989

Re: 2018 RAV 4 or Camry

Where do you live?
by BolderBoy
Sun Jun 03, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 13952

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

TheNightsToCome wrote:
Sun Jun 03, 2018 6:54 pm
1. Would law schools decline to accept me because of my age?
Doubtful they'd diss you for your age. Here is a guy I worked with decades ago who went to law school after he retired and when he was older than you: http://asts.org/about-asts/chimera-chro ... h-m-lee-md
by BolderBoy
Sat Jun 02, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Friends with an EJ Advisor
Replies: 49
Views: 4035

Re: Friends with an EJ Advisor

A very small part of me skeptically wonders if he's pursuing me as a prospect more so than a friend. Yes, he is. If anyone has advice on how to politely make it clear that I'm not interested the next time he brings it up, I'd welcome suggestions on how to handle this. Yes, politely tell him that th...
by BolderBoy
Fri Jun 01, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Roommate in a house?
Replies: 32
Views: 2979

Re: Roommate in a house?

1 - When it becomes tax season how does she file her taxes as it concerns the rental income. 2 - In the eyes of the IRS would me paying for bills and her paying for the mortgage suffice since she's isn't getting extra income from me? Are you signing a lease with her as the landlord? If not then you...
by BolderBoy
Fri Jun 01, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Value of Umbrella Insurance Policy
Replies: 18
Views: 1994

Re: Value of Umbrella Insurance Policy

LuigiLikesPizza wrote:
Fri Jun 01, 2018 12:17 pm
I carry the following limits on my auto policy - $300/$300/$50
Is the "50" = $50k property damage? If so, it is way too low. You total my new Mercedes and you'll be paying a bunch out of pocket, too.
by BolderBoy
Fri Jun 01, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Affresh or Clorox?
Replies: 10
Views: 1061

Re: Affresh or Clorox? Or something else?

And, never use fabric softener (e.g., Downy) in your washer. x1000!!! A few years back I asked on this forum what to do about my very stinky top-loading washer. Tried gobs of the Affresh tabs, Chlorox to-the-point of contaminating the aquifer, boiling water off the stove, you name it. Nothing worke...
by BolderBoy
Fri Jun 01, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Advice for assisting 18 year old son after high school
Replies: 70
Views: 5336

Re: Advice for assisting 18 year old son after high school

Comes from a physician family, eh? Your son needs to learn that he can earn his life's living by physical labor or [mostly] intellectual labor. Choice is largely his. IMO, he should start out on the physical side, work everyday until dog tired, until his bones ache. Then he can decide if he wants th...
by BolderBoy
Mon May 21, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Medicare and Cataract surgery - one or two charges?
Replies: 31
Views: 1656

Re: Medicare and Cataract surgery - one or two charges?

At some point in the future, it is near certain that I will need cataract surgery. My understanding is that this is generally (in the US) done one eye at a time. Am I correct that (under medicare rules) this would be two surgeries and two charges? From what I read, in some other countries - it is m...
by BolderBoy
Thu May 17, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Free skin cancer screenings
Replies: 26
Views: 2378

Re: Free skin cancer screenings

I was browsing the web and stumbled on an announcement that May is Skin Cancer Awareness Month, and the American Academy of Dermatology is providing free skin cancer screenings. TANSTAAFL! Ever the cynic I'd view this like the "open house" event put on by realtors: primary goal is to get your name/...
by BolderBoy
Tue May 15, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Do I tell Social Security I retired?
Replies: 32
Views: 4114

Re: Do I tell Social Security I retired?

Also be aware that the word "retired" or "retirement" means something entirely different to SS, as they equate it with a request for benefits. I would suggest staying off of their radar until you want to file. This is good advice. Follow it. In the meantime, since you registered for an on-line acco...
by BolderBoy
Tue May 15, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Rental Car : Paying Toll tax in Texas for a CA resident
Replies: 15
Views: 1573

Re: Rental Car : Paying Toll tax in Texas for a CA resident

Likely, you will get a a mysterious charge from your rental car company weeks after the rental for the total plus an administrative fee. It was $30 plus $5 for the toll for me. Further broken down: toll: $0.30 toll company administration fee: $4.70 rental car company fee: $30 It's the new rip-off m...
by BolderBoy
Tue May 15, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Helping someone with Cancer
Replies: 21
Views: 1432

Re: Helping someone with Cancer

mak1277 wrote:
Tue May 15, 2018 9:19 am
I think what my mom appreciated most was having someone come clean her house for her.
This. Enormously helpful.