Search found 3248 matches

by BolderBoy
Mon Oct 16, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: First Post (gulp) - Request for Advice on selling inherited home
Replies: 20
Views: 1564

Re: First Post (gulp) - Request for Advice on selling inherited home

You might contact an auctioneer. Houses sold at auction are generally not subject to contingencies and are sold "as is, where is", let the buyer beware. The auctioneer could sell the contents as well (or at least tell you if such is worthwhile for him and therefore, for you.) I recently went this ro...
by BolderBoy
Mon Oct 16, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: a question about selecting investments for 401k
Replies: 8
Views: 489

Re: a question about selecting investments for 401k

rkhusky wrote:
Mon Oct 16, 2017 7:36 am
Share price and number of shares make no difference.
Agree. Ignore both of these titillating figures. They have zero effect on your long term results.
by BolderBoy
Mon Oct 16, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Family Portafolio Planning Help
Replies: 5
Views: 345

Re: Family Portafolio Planning Help

(gekko) wrote:
Mon Oct 16, 2017 2:26 am
Emergency funds: 5,000

Desired International allocation: 10% of stocks. I do not like it, to much risk... currency and company.
Too small Emergency Fund.

If you don't like International, simply omit it.
by BolderBoy
Mon Oct 16, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: contributing to friend's non-profit?
Replies: 36
Views: 1838

Re: contributing to friend's non-profit?

gips wrote:
Sun Oct 15, 2017 9:39 pm
In my shoes, would you contribute to the nonprofit?
Not A Chance.
by BolderBoy
Mon Oct 16, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 54
Views: 4658

Re: WPA2 protocol used by vast majority of wifi connections has been broken

azurekep wrote:
Mon Oct 16, 2017 11:33 am
If I were to go back to wi-fi, I'd look into the techniques to shape the footprint of the signal so that it remains centred on the house with minimal leakage to the street.
One easy [though not 100% effective] way to do this is to disable the 2.4gHz radio and only use 5gHz band radio(s).
by BolderBoy
Mon Oct 16, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 43
Views: 3076

Re: Bonus pushed back - should I be annoyed?

Aren't bonuses a sort of "gift"? My bonuses were not guaranteed.
by BolderBoy
Mon Oct 16, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Mineral Rights Valuation (Natural Gas)
Replies: 8
Views: 734

Re: Mineral Rights Valuation (Natural Gas)

I personally would not want to buy your property without the mineral rights. I would not be concerned about the potential income stream. I would be concerned about finding heavy machinery in my back yard one day that I had no control over. I have been shocked to find out how much intrusion can lega...
by BolderBoy
Mon Oct 16, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 57
Views: 5425

Re: Trash dumped on curb (need advice)

Isn't this called "littering"? Call the cops.
by BolderBoy
Sat Oct 14, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to take the Taxable Account plunge!
Replies: 10
Views: 1423

Re: Ready to take the Taxable Account plunge!

Appreciate the advice. And strangely my 401(k) is less complex than the recommended funds the company suggested. But, I'll look into that. Yes I'm interested in Vanguard so if you have any specifics I'm all ears. Rollover is being held at Fidelity. TIPS, I'm looking into, is probably the VIPSX, cor...
by BolderBoy
Sat Oct 14, 2017 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Individual 401k
Replies: 9
Views: 682

Re: Help with Individual 401k

Earl Lemongrab wrote:
Sat Oct 14, 2017 4:04 pm
Either recharacterize the conversion or use a different custodian for the i401(k). Vanguard isn't even a very good choice besides the not allowing rollovers.
Why not so?
by BolderBoy
Sat Oct 14, 2017 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to take the Taxable Account plunge!
Replies: 10
Views: 1423

Re: Ready to take the Taxable Account plunge!

As I’m maxing out my tax savings accounts, I’d like to start investing monthly into my taxable account, either at Fidelity or elsewhere. The goal is to use it towards a down payment in 5 years or more, and if I don’t need it then, just turn it into another nest egg. Are there fund recommendations t...
by BolderBoy
Fri Oct 13, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Building additional garage - recommendations?
Replies: 26
Views: 1209

Re: Building additional garage - recommendations?

barnaclebob wrote:
Fri Oct 13, 2017 8:09 am
A 240v outlet or two is also nice if you plan on doing any woodworking or use any high power tools in the future.
Electric cars charge up a lot faster with 220v.
by BolderBoy
Fri Oct 13, 2017 9:14 am
Forum: Investing - Theory, News & General
Topic: Understanding What Makes Vanguard So Successful
Replies: 12
Views: 1893

Re: Understanding What Makes Vanguard So Successful

Northwestern Mutual is a investor-owned company like Vanguard, and so its whole life policies must be the lowest in the industry, and therefore a good deal. Am I missing something here by paralleling the argument for Vanguard? (Yes, this post is somewhat tongue in cheek.) I don't think that is an a...
by BolderBoy
Fri Oct 13, 2017 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 403b vs. simplicity?
Replies: 11
Views: 517

Re: Vanguard 403b vs. simplicity?

crumbone wrote:
Fri Oct 13, 2017 12:35 am
Would you switch all contributions to ML?
No. I'd switch the ML 401k to the new, cheaper funds but otherwise continue to do what you've been doing with the 401k and 403b.
by BolderBoy
Thu Oct 12, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Tracing House Wiring
Replies: 10
Views: 768

Re: Tracing House Wiring

Another option is to plug noise makers into receptacles before heading down to flip breakers. e.g. a radio, multiple radios with different music/sound, etc. Flip the breakers til you hear it go off, or multiples at the same time. Didn't think about noise makers. Thanks, I'll add that to the process...
by BolderBoy
Thu Oct 12, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: Tracing House Wiring
Replies: 10
Views: 768

Re: Tracing House Wiring

Your best bet is to turn each breaker on 1 at a time. Then go around the house with a receptacle tester and test, plus turn switches on, etc. Mark breaker 1 and use tape and mark breaker 1 on each receptacle and switch. Continue for breaker 2, 3, etc. Painters tape or something....to know you have ...
by BolderBoy
Thu Oct 12, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: Tracing House Wiring
Replies: 10
Views: 768

Tracing House Wiring

I have need to map my house's electrical wiring. Match up each circuit breaker with all the outlets, switches and lights it may control. Naturally, the breaker box is in a far corner closet of the basement (3 story, 1970s house). What is the best way to do this? I've tried using a Klein-Tools-Digita...
by BolderBoy
Tue Oct 10, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4103

Re: 2 factor authentication - What if something happens to you?

With all of the security risks and advent of 2FA, have y'all thought about contingencies in case something happens to you and your significant other needs to access your accounts, etc? If you go missing with your cell phone, isn't your SO, SOL? My buddy just added a Yubikey to his VG account for 2F...
by BolderBoy
Tue Oct 10, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Shifting Gears - Sanity Check
Replies: 19
Views: 1226

Re: Shifting Gears - Sanity Check

It is highly unlikely that I will be able to return to work... Contributions - I should still be able to contribute a bit to my retirement. I'm unclear how those two statements jive. Desired Asset Allocation: 75% Stocks / 25% Bonds (a bit aggressive due to guaranteed income) Under the circumstances...
by BolderBoy
Mon Oct 09, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 45
Views: 3504

Re: Windfall and advice

rad doc wrote:
Mon Oct 09, 2017 8:37 am
I agree with a lot of the points here. I am just wondering if for my sanity low fee advisors may be worth it. It’s painful to see your portfolio drop 50k in a day. 500k in a day or a few would be very stressful.
You think an advisor is going to protect your portfolio from volatility?
by BolderBoy
Mon Oct 09, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 45
Views: 3504

Re: Windfall and advice

rad doc wrote:
Mon Oct 09, 2017 8:37 am
I agree with a lot of the points here. I am just wondering if for my sanity low fee advisors may be worth it. It’s painful to see your portfolio drop 50k in a day. 500k in a day or a few would be very stressful.
You think an advisor is going to protect your portfolio from volatility?
by BolderBoy
Mon Oct 09, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: What to do with unused paint?
Replies: 38
Views: 2312

Re: What to do with unused paint?

Hayden wrote:
Mon Oct 09, 2017 8:26 am
We took ours to the Habitat for Humanity donation site.
I tried to do that at the HfH in Farmville, VA. They refused it and said that they only accept donations of brand new, unopened cans of paint.

I guess it is a YMMV issue...
by BolderBoy
Sun Oct 08, 2017 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 45
Views: 3504

Re: Windfall and advice

Debt: 400k mortgage at 3.5%, 100k student loans at 2% Why not pay off all your debts first? Then put 70% of what is left in Vanguard Total Stock Index Fund and 30% in the Intermediate Term Tax Exempt Bond fund (is that aggressive enough)? Simple to rebalance (takes 5 minutes tops including the time...
by BolderBoy
Sun Oct 08, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: (24M) - Should I take a pay cut for a new career path with a better payoff?
Replies: 21
Views: 2374

Re: (24M) - Should I take a pay cut for a new career path with a better payoff?

preciseman wrote:
Sun Oct 08, 2017 2:12 pm
...but to be honest I just absolutely hate the work.
For that reason alone you need to move on.
by BolderBoy
Sun Oct 08, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Does IRS life expectancy table change?
Replies: 10
Views: 1215

Re: Does IRS life expectancy table change?

This might be a stupid question, but I can't seem to find the answer. Does the life expectancy table provided by the IRS for RMDs get updated occasionally? If so, do we calculate future RMDs (obviously can't be calculated yet) based off the table at that time, or the table at the time of starting t...
by BolderBoy
Sun Oct 08, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: Most expensive gel car battery or cheapest? How often?
Replies: 32
Views: 1958

Re: Most expensive gel car battery oe cheapest? How often?

1. Purchase the cheapest refillable lead-acid battery 2. Keep it for as long as I can, and check the water level at least twice a year 3. Pay attention to any sign of a "struggling" start, especially in very hot or very cold conditions 4. Replace or test the battery (depending on age), but do so IM...
by BolderBoy
Sun Oct 08, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: Email Security after equifax breach
Replies: 23
Views: 2567

Re: Email Security after equifax breach

If one half of gaining access to a user's account is knowing the username, and that username is publicly available, well... But that's my point, the username may very well be "publicly available" to a hacker with the victim's social security number through any number of "forgot your username?" prom...
by BolderBoy
Sun Oct 08, 2017 8:07 pm
Forum: Personal Consumer Issues
Topic: What to do with unused paint?
Replies: 38
Views: 2312

Re: What to do with unused paint?

latexman wrote:
Sun Oct 08, 2017 7:23 pm
For water based latex paint, leave the lid off, let it dry out, then throw it in the trash. It is not hazardous.
Right. This is the recommendation I got from a house painter.
by BolderBoy
Sun Oct 08, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Email Security after equifax breach
Replies: 23
Views: 2567

Re: Email Security after equifax breach

For your really sensitive accounts (financial) I would recommend changing your login username away from your email address. For the average hacker, knowing your email address is your username on XYZ site is basically giving her 1/2 of the access needed to get into your account. If both your usernam...
by BolderBoy
Sun Oct 08, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: SS Benefit checks?
Replies: 13
Views: 1762

Re: SS Benefit checks?

CABob wrote:
Sat Oct 07, 2017 12:46 pm
If a person passes are they entitled to the check received in the month of their passing?
Yes. That check is payment for the previous month. SS pays in arrears.
by BolderBoy
Sat Oct 07, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Email Security after equifax breach
Replies: 23
Views: 2567

Re: Email Security after equifax breach

For your really sensitive accounts (financial) I would recommend changing your login username away from your email address. For the average hacker, knowing your email address is your username on XYZ site is basically giving her 1/2 of the access needed to get into your account. If both your username...
by BolderBoy
Sat Oct 07, 2017 4:14 pm
Forum: Personal Consumer Issues
Topic: Sent to collections by a hospital we've never been to?
Replies: 40
Views: 3320

Re: Sent to collections by a hospital we've never been to?

When you talk with the collection agency, demand all the medical records associated with this bill. Make sure they understand it is a non-negotiable demand. Your wife may recognize the patient if s/he was one of hers. Problem was resolved by telephone, see O.P.'s follow-up post a few above yours. S...
by BolderBoy
Sat Oct 07, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5706

Re: Roof shingles do not match - Neighbor sent notice

tibbitts wrote:
Sat Oct 07, 2017 12:55 pm
I don't have an HOA either but still have covenants...
I'm unclear about how you can have "covenants" without a legal body (HOA) to enforce them.
by BolderBoy
Sat Oct 07, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7445

Re: Do you want your receipt?

Since I use my Citi cashback card for just about every purchase, I always get a receipt and keep it until I go online and make sure the proper amount has been charged. Seems like the receipt is the only proof you have if a charge is wrong. Just a habit of mine! I quit thinking that way 30 years ago...
by BolderBoy
Sat Oct 07, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: I just started.
Replies: 15
Views: 1278

Re: I just started.

I am a new investor and have just opened a Vanguard Brokerage account to try my hand at investing. I have a retirement fund and I also have an additional account with a personal friend, who is the advisor, at Ameriprise that I setup about two months ago. My retirement fund is managed by the company...
by BolderBoy
Sat Oct 07, 2017 10:26 am
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 103
Views: 5905

Re: Has your "risk tolerance" been tested?

2007-2009 my advisor had me 90/10 (wide variety of VERY risk things) and I watched 50% of my portfolio disappear. In 2009 (just before March), he sold and went to cash. :( I found the BHs at the end of 2009, fired the advisor, reinvested everything at 60/40 (VG 3-Fund Portfolio) gradually moving to ...
by BolderBoy
Fri Oct 06, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Sent to collections by a hospital we've never been to?
Replies: 40
Views: 3320

Re: Sent to collections by a hospital we've never been to?

Interesting to hear about your experience. My wife's name is unusual enough that I am having a hard time imagining a scenario that this is not some kind of fraud. We have never been anywhere near this hospital (100 miles?). My wife is also a physician and I'm wondering if a patient took her name an...
by BolderBoy
Fri Oct 06, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Custodian dragging their feet with transfer
Replies: 10
Views: 727

Re: Custodian dragging their feet with transfer

They're inviting a FINRA complaint. Don't disappoint them.
by BolderBoy
Fri Oct 06, 2017 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees, how and how much do you pay for health insurance?
Replies: 33
Views: 3966

Re: Retirees, how and how much do you pay for health insurance?

So, let me ask these questions for retirees: Medicare C (includes A, B & D) is called, "Medicare Advantage". Mine is with Kaiser. $134/month Medicare premium + $48/month Kaiser "dues" with $3500/yr deductible (max OOP). For 2018, the deductible is going up to $5000 (max OOP). Premiums & dues come d...
by BolderBoy
Fri Oct 06, 2017 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks, how safe are they?
Replies: 31
Views: 1864

Re: Paper checks, how safe are they?

Banker here. Checks are just as safe as they ever were - moreso really as they are somewhat harder to forge now. Your name and address are public record and easy to find, and so are bank routing numbers (just google it). There's not much anybody can do with your account number though, which is the ...
by BolderBoy
Fri Oct 06, 2017 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks, how safe are they?
Replies: 31
Views: 1864

Re: Paper checks, how safe are they?

Alternatively, using online bill pay is an excellent way to protect yourself from fraud. I just looked at one of the bill pay checks that was sent out (and cashed by the correct person) - it contains my account number right on it. Add the routing number to it and presto - an ACH pull can empty the ...
by BolderBoy
Fri Oct 06, 2017 5:41 pm
Forum: Investing - Theory, News & General
Topic: Explanation of Investing Basics to Sister
Replies: 7
Views: 666

Re: Explanation of Investing Basics to Sister

5. What is a stock? A stock is ownership in a publicly traded company, like Facebook, Microsoft, Apple, or General Motors. The benefit of owning a stock is that when the company is profitable it will pay some of its profits to the owners. I agree with Ladygeek that it is too detailed for a beginner...
by BolderBoy
Fri Oct 06, 2017 5:35 pm
Forum: Investing - Theory, News & General
Topic: individual stock taxable account emotions
Replies: 17
Views: 1821

Re: individual stock taxable account emotions

BashDash wrote:
Fri Oct 06, 2017 1:23 pm
My tax bracket is low this year and will probably never be this low again due to a maternity.

1) Please rip apart my sentences if you would like
Okay. What does the sentence above ending in "maternity", mean?
by BolderBoy
Thu Oct 05, 2017 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Temporary Job Relocation
Replies: 8
Views: 748

Re: Temporary Job Relocation

I have been told that my employer would pay for my housing during this project (apartment rental). Two things I would like to get negotiated are my employer reimbursing me for a flight home 1-2 times per month to check on my current home. Since the duration of the project is unknown I am not ready ...
by BolderBoy
Thu Oct 05, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting Checking Account Info
Replies: 12
Views: 949

Re: Protecting Checking Account Info

But I'm now thinking that we keep too much in our personal checking account, and we'll start keeping more in a linked account and transfer funds to the checking account as needed. I changed all my accounts to do this going forward. I think it is safer. Credit Unions are well positioned for this tec...
by BolderBoy
Thu Oct 05, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is a death certificate needed for direct transfer?
Replies: 7
Views: 606

Re: Is a death certificate needed for direct transfer?

My experience was that all financial institutions accepted a certified copy. ... and my experience was that they will also return them to you. Local institutions: One did return, One didn't. Out of State Institutions: Did not return. That is interesting. I went through this in February. All 5 of th...
by BolderBoy
Thu Oct 05, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting Checking Account Info
Replies: 12
Views: 949

Re: Protecting Checking Account Info

This goes back to the "cash" vs credit argument. and as such I use much more credit. I do give checks to businesses at times and to my church (though I do think they have a credit option) But as far as ACH goes they would need to want to steal your identity in part too. While it is WAY to easy to s...
by BolderBoy
Thu Oct 05, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 219
Views: 25693

Re: Identity theft

What makes you say that? "Inside Job". Because the law enforcement statistics show that it usually is. And that is where they start looking first. And by "inside job" they mean that someone has intimate knowledge on a rather first-hand basis. Could "inside job" also have been someone employed by th...