Search found 4105 matches

by BolderBoy
Mon Nov 12, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth it to rent our house?
Replies: 10
Views: 609

Re: Is it worth it to rent our house?

TheHouse7 wrote:
Mon Nov 12, 2018 9:08 am
Don't become a landlord by default.
This sounds like such good and simple advice!
by BolderBoy
Mon Nov 12, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Trying to move out.
Replies: 25
Views: 1716

Re: Trying to move out.

Are all the dogs at issue, neutered?
by BolderBoy
Mon Nov 12, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Prepaying for Rental Car - Availability Guaranteed?
Replies: 18
Views: 790

Re: Prepaying for Rental Car - Availability Guaranteed?

If I prepay for the reservation, does that guarantee the rental availability? I'm asking with respect to holiday travel, so I expect a relatively high risk of there not being a car available. My understanding is that a "reservation", even if prepaid, only guarantees the rate. Whether there will act...
by BolderBoy
Thu Nov 08, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 40
Views: 3095

Re: tipping for grocery delivery

I had to use the local grocery store chain's picking/delivering service a few months back. On the receipt presented to me when I placed my order was a line-item charge for "Tip" and an amount included.

So I didn't give the deliveryman anything extra.
by BolderBoy
Thu Nov 08, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: Should I demand a refund from a dentist who installed a bad crown?
Replies: 12
Views: 1310

Re: Should I demand a refund from a dentist who installed a bad crown?

Obtaining a refund is probably going to be harder to pursue than you think. The first dentist may simply say that it is a difference of professional opinion. In that case you'll need another dentist to say the first guy screwed up (and should give you a refund) - good luck with getting another denti...
by BolderBoy
Wed Nov 07, 2018 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Time to ditch the financial advisor?
Replies: 17
Views: 2031

Re: Time to ditch the financial advisor?

I have significant equity in both my personal residence and rental properties which are cash positive. So you are making money on your rentals? And paying taxes on that money at your marginal tax rates? How is that different than having a taxable bond fund or taxable REIT fund in your non-retiremen...
by BolderBoy
Wed Nov 07, 2018 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Investing neophyte. Help with portfolio please
Replies: 1
Views: 353

Re: Investing neophyte. Help with portfolio please

I want to be able to do a backdoor Roth IRA for both my wife and I. Based on my reading, I will need to move both of our IRAs (?) into a 401k/403b account. Through work, my wife can move her IRA to the Roth 403b. Will she then need to pay taxes? If so any other suggestions on how to save paying tax...
by BolderBoy
Wed Nov 07, 2018 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Move savings to Prime Money Market Fund (VMMXX)
Replies: 46
Views: 6048

Re: Move savings to Prime Money Market Fund (VMMXX)

DesertInvestor wrote:
Wed Nov 07, 2018 3:22 pm
What do you think of municipal money market? That is where I have my cash.
Likewise. I like it.
by BolderBoy
Tue Nov 06, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 50
Views: 3461

Re: Paper or Paperless? How and what financial records do you keep?

I did buy a Fujitsu ScanSnap last year that I mainly use for digitizing textbooks for work rather than financial recordkeeping. I used my ScanSnap to scan everything - all 30+ years, then shredded all the paper. That was in the mid-2000s and have not regretted it. Literally reclaimed an entire room...
by BolderBoy
Tue Nov 06, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: What's the 'safest' decision?
Replies: 6
Views: 610

Re: What's the 'safest' decision?

What path leads to the most financial security for me and my family? A. Pay off 188k 15 year 4.75% fixed rental property loan (that I occupy for small business). Eventually eliminate $1616 monthly payment. B. Pay off 152k 30 year 3.125% fixed home mortgage. Eventually eliminate $750 monthly payment...
by BolderBoy
Mon Nov 05, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Financial Checkup: Post-Wedding Pre-Children
Replies: 7
Views: 1170

Re: Financial Checkup: Post-Wedding Pre-Children

RedClay wrote:
Sun Nov 04, 2018 7:12 pm
In the next two or three years, my income will likely fall to the low 100k's...
Is this normal in your line of work?
by BolderBoy
Mon Nov 05, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 108
Views: 5739

Re: Do I need more than Original Medicare?

...I can afford, and do not mind paying, Part A and Part B deductibles.... If you can afford Part A and B deductibles, then you can afford Medigap and Part D premiums or Medicare Advantage premiums. Don't be foolish over a few extra dollars. Agree with this. OP, you cannot presently fathom just how...
by BolderBoy
Sun Nov 04, 2018 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Military Pilot- 8/10 yrs to FIRE, need help! BONDS/ Taxes
Replies: 22
Views: 2728

Re: Military Pilot- 8/10 yrs to FIRE, need help! BONDS/ Taxes

We reached 1 million this year... FIRE Goal: 2.5/3 million in 10 years I think you need to tone down your expectations a bit. Yes, continue saving / investing like fanatics, but with the outline you provided, reaching $3 million in the next 10 years is pretty optimistic. I guess you don’t want to h...
by BolderBoy
Sun Nov 04, 2018 10:44 pm
Forum: Personal Consumer Issues
Topic: Offsite data storage
Replies: 10
Views: 1087

Re: Offsite data storage

Phineas J. Whoopee wrote:
Sun Nov 04, 2018 2:32 pm
Be sure to use heavy-duty Ziploc bags or their equivalent to protect the media from water damage should there be a fire or flood in the vault.
Stellar suggestion. I'll be sure to take along a bunch of Ziploc bags with me next time I go to the safe deposit box. Thanks!
by BolderBoy
Sun Nov 04, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: Help Me Get Rid of Chubb/Reduce Cost of Homeowners Insurance
Replies: 10
Views: 1296

Re: Help Me Get Rid of Chubb/Reduce Cost of Homeowners Insurance

Note: in 25 years we have had one claim - water damage during the horrific winter of 2015. And yes, Chubb came through the house and gave us very generous, no hassle coverage. They basically eyeballed the damaged and came up with numbers on the spot. They were great. We’ve had the same good experie...
by BolderBoy
Sun Nov 04, 2018 10:29 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4064

Re: Mice

A cat. A female cat. We've had many cats and the male cats are not as great a hunter as the females. The hunter gather thing in the cat world goes with the gals... +2. A youngish cat. The older cats get the less interested they are in mousing. Two cats are even better as they will polish their hunt...
by BolderBoy
Sun Nov 04, 2018 10:23 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to buy house out of blue but wants us to come up with offer
Replies: 31
Views: 5254

Re: Neighbor wants to buy house out of blue but wants us to come up with offer

Whatever you do, don 't ignore him. You never know what the future might bring. When I lived in a small town I wrote to the owner of the house next door (he lived thousands of miles away; the home was occupied by his ex-wife) and inquired about purchasing it. The owner simply ignored me (I know he g...
by BolderBoy
Sun Nov 04, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: Dentist replaced crown a few months back and now I'm told the tooth needs to be pulled!
Replies: 49
Views: 3410

Re: Dentist replaced crown a few months back and now I'm told the tooth needs to be pulled!

toofache32 wrote:
Sun Nov 04, 2018 1:50 pm
This is not a perfect science.
+1. This is the absolute and unmitigated truth.
by BolderBoy
Sun Nov 04, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Military Pilot- 8/10 yrs to FIRE, need help! BONDS/ Taxes
Replies: 22
Views: 2728

Re: Military Pilot- 8/10 yrs to FIRE, need help! BONDS/ Taxes

Sophia1884 wrote:
Fri Nov 02, 2018 1:05 pm
We reached 1 million this year...

FIRE Goal: 2.5/3 million in 10 years
I think you need to tone down your expectations a bit. Yes, continue saving / investing like fanatics, but with the outline you provided, reaching $3 million in the next 10 years is pretty optimistic.
by BolderBoy
Sun Nov 04, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: How to handle individual 401k administration
Replies: 13
Views: 850

Re: How to handle individual 401k administration

So my question for others who have individual 401k's are: how do you handle the administration? If you use a 3rd party administrator how much do they charge? Am I missing something or is there more to this than just filing the Form 5500-SF? The "administration" of a solo401k is pretty simple. Besid...
by BolderBoy
Sun Nov 04, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Help a new guy!
Replies: 21
Views: 1663

Re: Help a new guy!

My question is, where do I go from here though? With all of my $ in VFINX I am over exposed to stocks. I could contribute to VFINX until I build up another $3k, and buy an initial share of of the total US bond fund. But then I am way too conservative until I I get to about $12k in VFINX to get to a...
by BolderBoy
Sun Nov 04, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Medical Career License/Certification suggestions please
Replies: 11
Views: 1013

Re: Medical Career License/Certification suggestions please

typical.investor wrote:
Sun Nov 04, 2018 4:44 am
Pathologists’ assistant
Not sure how to approach this career.
Take a gander at "autopsy diener". It may be a good fit for you, under the circumstances of your life.
by BolderBoy
Sun Nov 04, 2018 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 2815

Re: Is Cloud-Based YNAB Worth It?

Small Law Survivor wrote:
Sun Nov 04, 2018 9:31 am
I've used YNAB for the last six years. I use it to track expenses...

And, as long as I'm at it, is there something better I could move to?
For the way you use it, how about just using a spreadsheet? Lots of examples out there.
by BolderBoy
Sun Nov 04, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: tips to protect identity
Replies: 11
Views: 770

Re: tips to protect identity

- we recycle passwords (USAA, Vanguard, etc) at least every 6 months, they're all different, long, complex, and on a piece of paper in a drawer and no where else My #1 way to protect my identity is to always use someone else's... Just kidding. But in re: recycling passwords... Instead of storing th...
by BolderBoy
Sun Nov 04, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: 401(k) (like) options during garden leave (non-competition period)
Replies: 4
Views: 325

Re: 401(k) (like) options during garden leave (non-competition period)

I know I can setup a solo plan if I freelance or could take employment in a non-competitive capacity, but really I’m trying to consider benefits (and lack of benefits) in each scenarios. Part of this would determine how I can use my garden leave time in the most productive way I’m able. Interesting...
by BolderBoy
Sat Nov 03, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Offsite data storage
Replies: 10
Views: 1087

Re: Offsite data storage

Any thoughts on how I can continue to keep an offsite backup of that data? I have about 25TiB to backup offsite, too. Opted to buy a dozen 5TiB drives, back up my 25TiB to half of them and take them to a safe deposit box (SDB) size 3x10x22. Back up the same 25TiB to the other half of the big drives...
by BolderBoy
Sat Nov 03, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: help this RN negotiate job change
Replies: 28
Views: 2857

Re: help this RN negotiate job change

Below the level of senior nurse executives, I've not seen nursing positions, particularly staff nurse positions, as being negotiable. They tend to be offered, "as is" and the few staff nurses who tried to "negotiate" were quickly labeled "difficult" and the hiring authority moved on. Can confirm. I...
by BolderBoy
Sat Nov 03, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Credit card Surcharges
Replies: 41
Views: 1742

Re: Credit card Surcharges

chickadee wrote:
Sat Nov 03, 2018 1:19 pm
As a small business owner I can give you at least my realities of accepting credit cards.
I saw the other day that Costco's merchant fee with Visa is 0.4%. Talk about sweetheart deals when compared with the fees you cite.
by BolderBoy
Fri Nov 02, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Not having the luxury of rebalancing a 3 fund portfolio
Replies: 5
Views: 855

Re: Not having the luxury of rebalancing a 3 fund portfolio

Thank you for the replies! So with the balanced LifeStrategy fund, I donot need to invest in any other fund? meaning no need to construct a 3 fund portfolio. I don't think you would need to, everything is there already. Just pick the Lifestrategy fund that has an asset allocation that you want and ...
by BolderBoy
Fri Nov 02, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: help this RN negotiate job change
Replies: 28
Views: 2857

Re: help this RN negotiate job change

Below the level of senior nurse executives, I've not seen nursing positions, particularly staff nurse positions, as being negotiable. They tend to be offered, "as is" and the few staff nurses who tried to "negotiate" were quickly labeled "difficult" and the hiring authority moved on.
by BolderBoy
Thu Nov 01, 2018 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: just retired facing RMD & diversivation issues
Replies: 10
Views: 1424

Re: just retired facing RMD & diversivation issues

btenny wrote:
Tue Oct 30, 2018 7:24 pm
You need to sell all those individual stocks over this year and next and buy some total stock market or other index fund. Next year you will have RMD and even bigger taxes. You have huge single stock risk of a big loss.
Completely agree with this advice and the reason for it.
by BolderBoy
Thu Nov 01, 2018 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: What to Do?
Replies: 5
Views: 918

Re: What to Do?

1.) Should DW continue to max out her 401k and 457 plans? unfortunately her take home would only cover 1/4 of our expenses if she keeps the 401k and 457 maxed out. Her wages could cover close to 3/4 of the expenses if she only put in enough for the 7 percent match. Do up to the match for now. Can c...
by BolderBoy
Thu Nov 01, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Highly Reted TRP Mutual Funds vs the market
Replies: 3
Views: 318

Re: Highly Reted TRP Mutual Funds vs the market

Do you invest in funds like that? What percentage of portfolio? What TRP funds do you recommend? From 1978-2002 I invested primarily with TRP in a variety of their funds. I really liked TRP and have nothing bad to say about them. In 1991 I rolled over a workplace 401k plan to an IRA with VG and it ...
by BolderBoy
Thu Nov 01, 2018 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Not having the luxury of rebalancing a 3 fund portfolio
Replies: 5
Views: 855

Re: Not having the luxury of rebalancing a 3 fund portfolio

My question here is - it seems that I cannot invest in mutual funds once I leave the country [ I checked this with a Fidelity representative] so that would effectively mean that I cannot rebalance my portfolio when that happens. What are my alternatives here? How about choosing one of the balanced-...
by BolderBoy
Thu Nov 01, 2018 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Too much risk in this retirement draw down plan?
Replies: 21
Views: 2003

Re: Too much risk in this retirement draw down plan?

Long-term capital gains do not count as income. I'm trying to get my head around this. My understanding is that long-term capital gains do count as an income item for figuring one's AGI, but that the tax on the LTCG is figured beneficially and separately from the rest of the tax on the AGI (after s...
by BolderBoy
Thu Nov 01, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: help this RN negotiate job change
Replies: 28
Views: 2857

Re: help this RN negotiate job change

camillus wrote:
Thu Nov 01, 2018 2:32 pm
And I was invited to apply to a very rare "weekend alternative" position at a similar unit with a nearby hospital.
Can you explain a bit more how this "weekend alternative" position works?

Have you been around long enough to have heard of the "Baylor Plan" and if so, is it like that?
by BolderBoy
Thu Nov 01, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5142

Re: People with older car, share your unusual repairs

2006 Benz ML-350, 95000 miles. Thermostat (did the belt tightening bearing at the same time). Nothing else unusual. Hah! The day after I posted the above, I noticed two, large wet spots on the garage floor where the car parks. One spot approximately under where the radiator is and the other about w...
by BolderBoy
Thu Nov 01, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Conservation Easements
Replies: 10
Views: 604

Re: Conservation Easements

Think this out very carefully. My mother wanted to put a conservation easement on her property before she died so I looked into it. She wanted to prohibit the cutting of the old growth forest that covered almost all the property. My opinion expressed to her was that any sort of conservation easement...
by BolderBoy
Wed Oct 31, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: If you just track NW on a spreadsheet....isn't that sufficient?
Replies: 18
Views: 1993

Re: If you just track NW on a spreadsheet....isn't that sufficient?

This is a generic version of my spreadhsheet. (numbers changed, personal names/content removed) https://docs.google.com/spreadsheets/d/1V_koMvRFipmXnERw5ImPtQMnGgU9uZs0lBojJ8Re07I/edit?usp=sharing I like it and use it a lot. I can see why, it is very, very nice. Is there a way to fetch this and loa...
by BolderBoy
Wed Oct 31, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: How hard to pull off this South Africa trip independently?
Replies: 13
Views: 556

Re: How hard to pull off this South Africa trip independently?

One of my SA buddies said the other day that the value of the $Rand is down about 50% against the $US from where it was last year. That should be reflected in the pricing you are seeing, right?
by BolderBoy
Wed Oct 31, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Anybody use CenturyLink for internet service?
Replies: 25
Views: 1644

Re: Anybody use CenturyLink for internet service?

I can get internet-only (12 Mbps) for $45 a month from CenturyLink. Does anybody out there have any experience with them? My 91 y/o mom had CL DSL for a bunch of years. No other options available where she lived (on a dirt road, on a farm, in very rural VA). 5mbps speed. Other than being outrageous...
by BolderBoy
Wed Oct 31, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: If On Medicare Before SS, How Do You Pay?
Replies: 40
Views: 3122

Re: If On Medicare Before SS, How Do You Pay?

I had the monthly payment deducted from my checking account from age 65 until age 70 via the Easy Pay option. Using the following form: https://www.cms.gov/medicare/cms-forms/cms-forms/downloads/sf5510english.pdf (which was used to start monthly payments when I turned 65), I simply used the "stop p...
by BolderBoy
Mon Oct 29, 2018 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: About to get 200k in inheritance.
Replies: 13
Views: 1753

Re: About to get 200k in inheritance.

PalmQueen wrote:
Mon Oct 29, 2018 6:10 pm
keep your finances separate from your partner's.
+1.

And do not try buying individual stocks. You know how to make a small fortune? Start with a large fortune.
by BolderBoy
Mon Oct 29, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should I co-sign for relative?
Replies: 103
Views: 4815

Re: Should I co-sign for relative?

daheld wrote:
Mon Oct 29, 2018 11:01 am
Not. A. Chance.
+1. I'd become estranged from someone forever before I'd co-sign a loan with/for her.
by BolderBoy
Mon Oct 29, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Tire rotation - low mileage car
Replies: 36
Views: 1885

Re: Tire rotation - low mileage car

Rotate/Balance Q 5-6k miles. This last time 3 of the tires needed rebalancing. The previous time all 4 tires needed rebalancing. They were new before that. Put about 4k/yr on the tires.

Auto has full-time 4WD.
by BolderBoy
Mon Oct 29, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5142

Re: People with older car, share your unusual repairs

2006 Benz ML-350, 95000 miles.

Thermostat (did the belt tightening bearing at the same time). Nothing else unusual.
by BolderBoy
Mon Oct 29, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: If On Medicare Before SS, How Do You Pay?
Replies: 40
Views: 3122

Re: If On Medicare Before SS, How Do You Pay?

A question for those who went on Easy Pay initially, but had Medicare premium withheld automatically from SS later: How long did it take for the SSA/CMS to reimburse you for double dipping? I'm interested in the answer to this as well. My plan is to stop the Easy Pay 6 months before starting SS and...
by BolderBoy
Mon Oct 29, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: IT Career Advancement-What path?
Replies: 37
Views: 2671

Re: IT Career Advancement-What path?

Anyone else made a similar transition/advancement? A couple friends mentioned to learn Python,AWS,Azure. Maybe just try them all? I'm purely a programming hobbyist so... I would recommend that you learn Go (golang), invented by Google, open source, cross-platform, etc. Gobs of work available to Go ...
by BolderBoy
Mon Oct 29, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: AC or DC motor ceiling fan
Replies: 8
Views: 1057

Re: AC or DC motor ceiling fan

DC motors need to use a drive... Educate me. What does this mean? A drive is a speed controller for a motor. It would be required to run a brushless DC motor, which is the type that would be used for a DC ceiling fan. It adds a bit of cost. https://circuitglobe.com/brushless-dc-motor-drives.html Th...
by BolderBoy
Mon Oct 29, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Recommendations for A/T tire that also works well in snow
Replies: 8
Views: 431

Re: Recommendations for A/T tire that also works well in snow

...Yokohama Golander A/T are also good for snow. I'll second the Geolander recommendation. My 2006 Benz SUV came with those and I was easily able to muscle around in up to 18" of snow, starting/stopping okay. Got stuck once when pushing into 30" however, when I slid sideways up against a curb in 48...