Search found 4328 matches

by BolderBoy
Thu Jun 20, 2019 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy went up 166%
Replies: 26
Views: 2363

Re: Umbrella policy went up 166%

renue74 wrote:
Wed Jun 19, 2019 12:58 pm
My 16 year got his license and I have 10 rental properties. The "change," from last year is only the 16 year old getting his license. Which, I'm not sure that requires a $1100 bump in the policy cost.
That can absolutely be the reason.
by BolderBoy
Tue Jun 18, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Posponing FIRE to go back to School
Replies: 20
Views: 1641

Re: Posponing FIRE to go back to School

cnblure wrote:
Mon Jun 17, 2019 10:34 am
I am burnt out in my current career (pharmacist (not retail))...

Currently I'm 29...

Any input is much appreciated.
Um, you're 29 and burned out? Can you amplify on that a bit, please?
by BolderBoy
Tue Jun 18, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: HSA - 2 parts: contribute and spend. When to spend?
Replies: 72
Views: 3074

Re: HSA - 2 parts: contribute and spend. When to spend?

To answer the question posed in your subject: Until you are on Medicare (MC), contribute as much as possible per year to your HSA. Do this without regard to any other investing you are doing. To the extent possible, pay all current bills out of after tax income and save all medically-related receipt...
by BolderBoy
Mon Jun 10, 2019 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Visa credit limit
Replies: 48
Views: 3028

Re: Costco Visa credit limit

I have both a Citi double cash card and a Costco Visa. The latter is my main card, for its rewards. I've had them for a few years now. But Citi is kneecapping me with their credit limits. I think I started out at $2k on the DC card! I've consistently applied (both the 'fast approval' and the credit...
by BolderBoy
Sun Jun 09, 2019 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to donate to a non profit organization anonymously?
Replies: 22
Views: 1710

Re: How to donate to a non profit organization anonymously?

sksbog wrote:
Sun Jun 09, 2019 9:18 pm
Any thoughts on How to donate to a non profit organization anonymously?
Send them a letter telling them the donation is anonymous and if they ever want to see another penny in the future to make sure it remains so.

I've used this technique for years with [apparent] complete success.
by BolderBoy
Thu Jun 06, 2019 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Pine Tree Incident
Replies: 31
Views: 3546

Re: Pine Tree Incident

Orion443 wrote:
Thu Jun 06, 2019 10:54 am
The restoration company wants to make an exclusive bid on all of the repair work, but will only do so if we don’t get other estimates.
This is akin to a "limited time offer". I never respond to those and neither should you.
by BolderBoy
Wed Jun 05, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 4764

Re: Company requiring salaried employees to clock in?

dm200 wrote:
Wed Jun 05, 2019 11:43 am
searle7 wrote:
Wed Jun 05, 2019 10:35 am

I require my salaried employees to clock in so that theyre not late. They get warnings when theyre late.
If by "salaried" you mean "exempt", then I believe you may (depending on all the details) be in violation of aspects of labor law.
Doesn't "exempt" mean exempt from labor laws?
by BolderBoy
Wed Jun 05, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8215

Re: Costco or Sam's Club?

When I stopped at Gypsum, Co, not only was it not crowded, there was barely anyone in the store. I wondered why there was a Costco there. I'm sure the Costco execs have some sort of $$$-population formula they use to figure out where to put a Costco. But relative to places without a Costco (none in...
by BolderBoy
Wed Jun 05, 2019 10:58 am
Forum: Personal Finance (Not Investing)
Topic: New Sole Proprietor Questions
Replies: 8
Views: 510

Re: New Sole Proprietor Questions

Suggestion: when you get a check from a client, deposit it into a bank account you label as "business". Then move 50% of that deposit into your personal checking account. That way, when it comes time to pay your estimated taxes, you'll be sure to have more-than-enough to do so. Every quarter (rememb...
by BolderBoy
Wed Jun 05, 2019 10:33 am
Forum: Personal Finance (Not Investing)
Topic: windfall. do I need to pay estimated tax this year
Replies: 17
Views: 1985

Re: windfall. do I need to pay estimated tax this year

ModifiedDuration wrote:
Wed Jun 05, 2019 7:50 am
Increase the withholding on your salary so that you have withheld this year at least 110% of last year’s tax liability and you should be good.
+1. Do this!
by BolderBoy
Wed Jun 05, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Form 5500EZ
Replies: 9
Views: 526

Re: Form 5500EZ

Leave it open. You can't tell the future and neither can the IRS.
by BolderBoy
Wed Jun 05, 2019 10:16 am
Forum: US Chapters
Topic: June 6, 1944 D Day and General Patton [D-Day plus 11 days, a war article by Ernie Pyle]
Replies: 42
Views: 3621

Re: June 6, 1944 D Day and General Patton

I also thank Taylor for his Battle of the Bulge work.

Two true-story movies folks might be interested in: "I Was Monty's Double" and "The Man Who Never Was". There were many other deceptions underway along with Patton's.
by BolderBoy
Wed Jun 05, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Recommendations for 2 way radio.
Replies: 10
Views: 982

Re: Recommendations for 2 way radio.

You could all obtain "technician class" amateur radio licenses (free and no Morse code requirement anymore) with a small amount of effort, buy some quality "hand held", FM transceivers (since cost isn't the big issue) and not suffer the transmit power limitations of the other suggestions. Also, you ...
by BolderBoy
Wed Jun 05, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8215

Re: Costco or Sam's Club?

This is a high income, yuppie-preppie area. We had a Sam's and Costco within 2 miles of each other. MANY people would drive past the Sam's to get to the Costco, two miles further on. The Costco's prices were 20% higher than the same product at Sam's. Sam's was never really busy and opened at 7am. I ...
by BolderBoy
Sat Jun 01, 2019 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Working for the Airlines - Value of Free Travel
Replies: 62
Views: 4895

Re: Working for the Airlines - Value of Free Travel

I'm interviewing with an airline and considering how to quantify the travel benefits. Sounds like my family (me + spouse + children) can travel for free as long as there is space, plus I'd get an allotment of 'buddy passes' for extended family use. It's a non-trivial benefit in my opinion since we ...
by BolderBoy
Thu May 30, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: Group Ownership of a Car (partnership)
Replies: 20
Views: 1378

Re: Group Ownership of a Car (partnership)

But be careful of how you title or re-title stuff in Colorado. The state has some strict tax laws for property sales. They tax you about 4% (I think) when you sell anything irregardless of state residency or who you are selling too. So selling or transferring title may be considered a sale. Can you...
by BolderBoy
Mon May 27, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: 29 year old engineer introduction and seeking advice
Replies: 23
Views: 2782

Re: 29 year old engineer introduction and seeking advice

I was more worried about getting my few initial years under my belt prior to stating to look. Company is located near home town, thus the reason I had stayed for the time being especially since I have no debt. Are you willing to move away from your home town? Some states prohibit employers from ask...
by BolderBoy
Sun May 26, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: 29 year old engineer introduction and seeking advice
Replies: 23
Views: 2782

Re: 29 year old engineer introduction and seeking advice

I am currently making $50,000 and have been at the current place of employment since graduating 3 years ago. Is there something you haven't told us about your situation? By this metric https://www.glassdoor.com/Salaries/entry-level-mechanical-engineer-salary-SRCH_KO0,31.htm you could be making quit...
by BolderBoy
Sun May 26, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: Relocate to Charleston SC?
Replies: 57
Views: 5773

Re: Relocate to Charleston SC?

In June 2017 I was stuck in south central Virginia. Complained bitterly to my niece (who was visiting from Charleston) about the oppressive heat/humidity. She laughed and said, "This is nothing. Come to Charleston where you can't even breathe outside in the Summer." ... and then there are the bugs. ...
by BolderBoy
Sun May 26, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: Relocate to Charleston SC?
Replies: 57
Views: 5773

Re: Relocate to Charleston SC?

My impetus to move is def related to money. I have no work right now. I'm not sure when / if ever I'll get new clients. Ought you tell us more about this? What do you do? Perhaps there are folks on here who can make good suggestions in that regard, about things you've not yet thought? Could save yo...
by BolderBoy
Wed May 22, 2019 5:50 pm
Forum: Forum Issues and Administration
Topic: Searching Signature Lines
Replies: 3
Views: 452

Re: Searching Signature Lines

I don't think sigs are part of the post, but are a display feature. So if you change your sig or avatar, the old posts don't keep the original. All posts you've made will show the new one. Not like it was on usenet. Ah. I hadn't thought of that. Therefore searching might not be beneficial if the si...
by BolderBoy
Wed May 22, 2019 10:27 am
Forum: Forum Issues and Administration
Topic: Searching Signature Lines
Replies: 3
Views: 452

Searching Signature Lines

Is there a way to search for signature line fragments across all forums?
by BolderBoy
Sat May 18, 2019 10:13 am
Forum: Personal Investments
Topic: Help my broker is trying to freak me out
Replies: 94
Views: 13899

Re: Help my broker is trying to freak me out

Watty wrote:
Sat May 11, 2019 9:56 am
A broker needs to make things seem complex and scary to justify their costs. If you decide to invest in index funds you will not need your broker.
+1. This is a fundamental investing truth.
by BolderBoy
Sat May 18, 2019 10:08 am
Forum: Personal Investments
Topic: Vanguard information security
Replies: 18
Views: 1413

Re: Vanguard information security

Thanks for the replies. The one aspect that we haven't covered as much is: once someone has access, what can they do? It seems it's pretty easy to add and verify an external bank account, though with account change alerts on, I would catch that during the few days it takes for verification. Is that...
by BolderBoy
Sat May 18, 2019 9:58 am
Forum: Personal Investments
Topic: Am I being ripped off?
Replies: 42
Views: 4776

Re: Am I being ripped off?

What's the deal? Is my estimate completely wrong or are they charging me some hidden fees? They are very good at charging you fees that you can't begin to ferret-out in any way that you can understand. My friend's father used MS to manage his $1.5mil portfolio, rejecting his son's protestations tha...
by BolderBoy
Sat May 18, 2019 9:47 am
Forum: Personal Investments
Topic: I don't even know how to categorize this... help?
Replies: 28
Views: 2218

Re: I don't even know how to categorize this... help?

blackcoffeegasoline wrote:
Sat May 18, 2019 8:36 am
I'm building a lazy portfolio at Schwab (but I'm sure this is same at Vanguard) one of the funds recommended is the SCHE.
I don't know what the symbols mean, but are you looking for something like this:
https://www.bogleheads.org/wiki/Three-f ... head-style
by BolderBoy
Sat May 18, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Frustration dealing with contractors....am I doing something wrong?
Replies: 43
Views: 4475

Re: Frustration dealing with contractors....am I doing something wrong?

I did not go with #3 because #2 had better insurance. Is 100k worker's comp enough? #3 seemed to want to do the work right away. Safe to assume that anyone who is hurt on your property is going to sue you, regardless of the circumstances. Do you have a sufficiently large umbrella insurance policy?
by BolderBoy
Sat May 18, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Concerned about getting laid off
Replies: 47
Views: 4770

Re: Concerned about getting laid off

I’ve begun looking at other available jobs and even interviewed for one over about two months including taking time off to travel to their headquarters. The problem is I don’t that kind of time to commit to that lengthy if an interview process multiple times per year, but I know for the type of job...
by BolderBoy
Sat May 18, 2019 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Aiming to Retire End of 2019 - Abit Scared
Replies: 45
Views: 5736

Re: Aiming to Retire End of 2019 - Abit Scared

We have run Firecalc w/3% inflation and get 100% with some monies left over for a 30 year projection. <snip> Questions: Are we ready to go at years end? Yes. I retired at age 61 (now 69) with less than you have and used a 5-8% inflation rate with 3% ROI (but smaller annual expenses) and still got 1...
by BolderBoy
Sat May 18, 2019 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 17963

Re: High net worth, elite private or “good” public

Money really isn’t an issue (sold a tech startup). And we love our house and location so moving is out of the question. The private school is only about 20 minutes away. The research on this is very clear. The bulk of a child's success in school is due to the involvement of the parent(s) and NOT th...
by BolderBoy
Wed May 08, 2019 9:26 pm
Forum: Personal Consumer Issues
Topic: How to get insurance for a first time car buyer?
Replies: 10
Views: 694

Re: How to get insurance for a first time car buyer?

Jack FFR1846 wrote:
Wed May 08, 2019 6:48 am
Be aware that temporary plates are NOT recognized in Mass...
What does Mass use in the place of temporary plates?
by BolderBoy
Tue May 07, 2019 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: State Tax on Roth Conversion as Part Year Resident (Texas to Colorado)
Replies: 3
Views: 362

Re: State Tax on Roth Conversion as Part Year Resident (Texas to Colorado)

My question is: if I do a pre-tax to Roth 401k conversion as a Texas resident, then I move to Colorado later in the year, will I be liable for Colorado state taxes on the conversion? You shouldn't be. Just make sure that the conversion is all said and done with before you declare yourself a Colorad...
by BolderBoy
Thu Apr 18, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life policy advice
Replies: 12
Views: 1046

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: 8008

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: 3387

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: 2115

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: 6680

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: 1616

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: 1484

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: 962

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: 57
Views: 5417

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: 5153

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: 57
Views: 5417

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: 8868

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: 5313

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: 5313

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: 2186

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: 3549

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: 4303

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: 21
Views: 1153

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.