Search found 4014 matches

by BolderBoy
Tue Oct 16, 2018 10:03 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer the best index products for a passive investor compared to Vanguard
Replies: 61
Views: 5020

Re: Does Fidelity offer the best index products for a passive investor compared to Vanguard

With Fidelity (a for-profit company) you will constantly have to remain vigilant about the investments you make there (to be sure they are making their profits off other customers and not you). With Vanguard, such vigilance won't be necessary. So it would seem to me to boil down to how much attentio...
by BolderBoy
Tue Oct 16, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Am I hitting the important asset classes?
Replies: 4
Views: 299

Re: Am I hitting the important asset classes?

StarDolphin wrote:
Tue Oct 16, 2018 4:34 pm
1. For the Taxable Vanguard account, does the distribution seem sensible?
It is overly complicated. Search the forum wiki for "3 fund portfolio", study it and come back to ask questions about it, if you need to.
by BolderBoy
Tue Oct 16, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Exceeding Income Limit for Roth IRA Mid-Year?
Replies: 4
Views: 238

Re: Exceeding Income Limit for Roth IRA Mid-Year?

RyanJC wrote:
Tue Oct 16, 2018 8:35 pm
Is there anything that can or should be done now or just wait and deal with this when I file for my 2018 taxes?
Can you simply do a "backdoor Roth" instead? The forum wiki explains how.
by BolderBoy
Sat Oct 13, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with inheritance
Replies: 6
Views: 897

Re: What to do with inheritance

Ron Scott wrote:
Sat Oct 13, 2018 6:53 am
Sell it. It is not an investment.
+1.
by BolderBoy
Sat Oct 13, 2018 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Does Timing Matter? 3 Fund Portfolio
Replies: 39
Views: 2658

Re: Does Timing Matter? 3 Fund Portfolio

I dispute your statement about 100/0 is a best practice recommendation. I know you do. Nonetheless, most investment allocation experts would, in fact, suggest a 30 year old with a moderate risk tolerance and "normal" amounts of human capital should have their retirement portfolio invested 100% in e...
by BolderBoy
Fri Oct 12, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Filed 1040 extension, do I mail my return to where I normally would mail to?
Replies: 3
Views: 258

Re: Filed 1040 extension, do I mail my return to where I normally would mail to?

I filed a 1040 extension and it's obviously due Monday. I went to IRS.gov, but it's not clear if I would mail it to the same place as if its April 15? Do you typically mail to your location or do you have to send it somewhere else? I've never done an extension prior to this year so not sure. I'm as...
by BolderBoy
Fri Oct 12, 2018 7:38 am
Forum: Personal Consumer Issues
Topic: Filing a Lemon Law Claim on Vehicle
Replies: 8
Views: 688

Re: Filing a Lemon Law Claim on Vehicle

I'm figuring they mostly will blow you off unless you have an attorney. If they "blow you off" over a legitimate, lemon-law qualifying issue, they'd risk getting "bad faith" added to Complaint if you finally do have to get a lawyer. Juries love to stick it to companies that act in "bad faith". Just...
by BolderBoy
Fri Oct 12, 2018 7:30 am
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7084

Re: My life saved by New subaru. Almost died.

Yesterday i was driving high way and pulled up to crest of a small hill. The road is a part of the city. I was driving early am to shoot an Ad for tv. Almost to the top while driving at speed limit I saw vehicles no more than 10 yards fully stopped... Glad you are okay. Got my first DL at age 17 wh...
by BolderBoy
Fri Oct 12, 2018 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase - Sellers Request Help with Repairs
Replies: 69
Views: 3022

Re: Home Purchase - Sellers Request Help with Repairs

HEDGEFUNDIE wrote:
Thu Oct 11, 2018 5:00 pm
Just walk away.
This... Who knows what else is hidden from view?
by BolderBoy
Sat Oct 06, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Income (US vs Europe)
Replies: 55
Views: 3668

Re: Income (US vs Europe)

or are most of the US folks here at Bogleheads just representing an American minority who have had very successful careers? There is probably some self-selecting BH bias here, but there is nothing wrong with rubbing elbows with rich folks :). But job-for-job it is safe to bet that USA workers are p...
by BolderBoy
Sat Oct 06, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Garage Shelving?
Replies: 28
Views: 2755

Re: Garage Shelving?

I installed this type of shelving all around the garage. Two shelves high starting at 6+ feet above the floor. Some areas have multiple levels of shelving. Will support 100 pounds per linear foot as the support structures are screwed into the studs. Still happy about it 12 years later. Very neat and...
by BolderBoy
Fri Oct 05, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Anyone tried basil tea?
Replies: 24
Views: 1445

Re: Anyone tried basil tea?

Pesto can be readily frozen for year-round use. Anyway, I have tried basil tea and I do not enjoy it. It tastes like fresh grass clippings soaked in water. I'm impressed that you actually brewed and tasted a tea made from, "fresh grass clippings soaked in water." Have you made any other exotic tea-...
by BolderBoy
Wed Oct 03, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 11729

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

Are we liable for anything? Am letting my broker do all the talking for now but buyer has threatened to take us to civil court. Anyone been in same shoe? What are our options? IANAL. Sounds like a shakedown to me. If you end up in court be sure to countersue for *all* your costs + intentional infli...
by BolderBoy
Wed Oct 03, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: Signing up for medicare
Replies: 20
Views: 1098

Re: Signing up for medicare

Approaching 65. What is the least painful way of signing up? Online? Local social security office? Any suggestions to minimize the aggravation of dealing with a government agency! If you haven't already set up a login account on the SS website, do so. Then apply for Medicare on the SS site 3 months...
by BolderBoy
Wed Oct 03, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: not married in community property state
Replies: 9
Views: 1001

Re: not married in community property state

go_mets wrote:
Wed Oct 03, 2018 11:55 am
I am a cynic and my mind automatically jumps to financial reasons for her to want to do this?
IANAL.

If I remember correctly, palimony claims in California were dissed by that state's supreme court decades ago.
by BolderBoy
Tue Oct 02, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Home inspection- helping a friend
Replies: 12
Views: 1112

Re: Home inspection- helping a friend

Qwertykid18 wrote:
Tue Oct 02, 2018 8:26 pm
and is trying to sue my buddy for negligence saying he knew the leaks and mold were there before he sold.
I'm not a lawyer.

"trying to sue..."? So he hasn't sued yet? If he has sued, your buddy needs to get a lawyer.

Proving what someone knew is usually tough.
by BolderBoy
Mon Oct 01, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - "I hate the FIRE movement."
Replies: 75
Views: 8992

Re: Suze Orman - "I hate the FIRE movement."

Some of her comments are obviously speculative regarding future tax law, which we cannot discuss on this forum. But beyond that, I wonder what others think of this. I liked some of the things she said in one of her first books. Beyond that, I think she should be ignored. Her oratorical delivery sty...
by BolderBoy
Sun Sep 30, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Failed hard drive(?) data recovery
Replies: 57
Views: 4366

Re: Failed hard drive(?) data recovery

LadyGeek wrote:
Sun Sep 30, 2018 7:51 pm
Assuming you get your drive working again, the immediate next step is to do a proper backup. Ensure that all of your data is backed up. Then, purchase a replacement drive and restore from your backup.
Good advice. And make sure your replacement "drive" is an SSD, not a mechanical HDD.
by BolderBoy
Fri Sep 28, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Existing SEP-IRA and opening a solo 401k for spouse
Replies: 3
Views: 208

Re: Existing SEP-IRA and opening a solo 401k for spouse

Your wife is going to be your corporation's employee. How about YOU setting up a solo401k before year-end, transferring your SEP-IRA into it, close the SEP-IRA, then add your spouse to the same solo401k that you will use going forward? You'll need to use a solo401k custodian that allows unrelated tr...
by BolderBoy
Fri Sep 28, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Self Employed - How to deduct your health insurance premium
Replies: 7
Views: 588

Re: Self Employed - How to deduct your health insurance premium

Does anyone have a guide, article or recommend a book about deducting personal health insurance premiums for the self employed? What form of self-employed business enterprise are you? Sole Proprietor, disregarded LLC, pass-through S Corp? Generally, self-employed folks deduct their health insurance...
by BolderBoy
Wed Sep 26, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: To Upgrade or Not Upgrade
Replies: 10
Views: 1640

Re: To Upgrade or Not Upgrade

Filetmerlot wrote:
Wed Sep 26, 2018 11:06 am
The money isn't the issue...
Do the upgrade.

Flying nowadays is such a wretched experience and "life is short and full of pain."

I won't fly anymore unless it is 1st or upper business class.
by BolderBoy
Tue Sep 25, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: When do you need a hearing aid
Replies: 47
Views: 2777

Re: When do you need a hearing aid

I asked an ENT friend that exact question. He suggested going to 10 different, unrelated hearing test websites and run the test on each. Then discard any results that reported, "Yeah, you need hearing aides and we're here to help." And take the average results of the remaining sites. After doing tha...
by BolderBoy
Mon Sep 24, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: Mom needs hip revision: how can I fight on her behalf?
Replies: 22
Views: 1921

Re: Mom needs hip revision: how can I fight on her behalf?

I would also like to know why this keeps failing. What is going on? Some underlying problem that can be fixed? And if it doesn't get fixed there will be additional failures? I am a different kind of surgeon but in general, they can get infected, they can erode through weak bone, the muscles/tendons...
by BolderBoy
Sun Sep 23, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: Mom needs hip revision: how can I fight on her behalf?
Replies: 22
Views: 1921

Re: Mom needs hip revision: how can I fight on her behalf?

BobStrauss wrote:
Sun Sep 23, 2018 8:13 pm
She’s willing to travel anywhere in the US to get it done - perhaps even internationally but I doubt that’s truly necessary. She lives near the KU med center and is seeing probably the best reputed doctor for hip surgery in the KC area.
I sent you a PM.
by BolderBoy
Sun Sep 23, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Mom needs hip revision: how can I fight on her behalf?
Replies: 22
Views: 1921

Re: Mom needs hip revision: how can I fight on her behalf?

She can barely move without a walker, and is only going to be in pain until it’s fixed, but needs a top surgeon in order to Get things right. How do you go about getting the right help, finding the right doc, pushing for an actual appointment date, etc? This is all new to me, but at 74 I know she n...
by BolderBoy
Sat Sep 22, 2018 9:48 am
Forum: Investing - Help with Personal Investments
Topic: The bond side of my asset allocation ...
Replies: 21
Views: 1086

Re: The bond side of my asset allocation ...

Which makes me wonder why I don't move the money to either a CD (if such a ting is available in a 401K or Vangard account) or a Money Market fund??? You can. We talk about "stocks and bonds" but should more accurately talk about "stocks and fixed income", of which bonds are but one possible compone...
by BolderBoy
Fri Sep 21, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Owner of Corporation, how much salary and how much draw?
Replies: 2
Views: 520

Re: Owner of Corporation, how much salary and how much draw?

My corporate CPA who will be handling my personal taxes this year is a little more conservative with this. He says my draws should be less than my salary. There was a federal tax case from Iowa about 15 years ago in which a CPA was taxpayer. The CPA lost, with the judge opining that 50% seemed to b...
by BolderBoy
Wed Sep 19, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3753
Views: 1066963

Re: What Movie Have You Recently Watched?

U.F.O.

Tough to find, but cerebrally engaging.

https://www.imdb.com/title/tt6290798/?ref_=nv_sr_1
by BolderBoy
Wed Sep 19, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Dental work and hypertension issue
Replies: 42
Views: 3491

Re: Dental work and hypertension issue

Good Listener wrote:
Tue Sep 18, 2018 6:43 pm
For the BP, you do need to get it controlled.
+1.
by BolderBoy
Wed Sep 19, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Should I bother meeting with a Chase Private Client Rep
Replies: 56
Views: 4790

Re: Should I bother meeting with a Chase Private Client Rep

...after moving some money through the bank for the down-payment on a house, I got a bunch of calls from this Chase Private Client person. Cancel. This was automatically triggered by a software algorithm that saw the amount of the down payment money you transferred and flagged your account for inve...
by BolderBoy
Sun Sep 16, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance asking to repay for services not provided
Replies: 20
Views: 2279

Re: Insurance asking to repay for services not provided

Thanks for the answer. Actually I did not mention this before, but the dentist actually refunded me the $450 (after many phone calls). They are just not refunding the insurance company. You need to speak to the fraud department of the insurance company. The fraudulent claim submitted by your former...
by BolderBoy
Sun Sep 16, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Critique, what can I do better?
Replies: 7
Views: 712

Re: Critique, what can I do better?

gaius julius caesar wrote:
Sat Sep 15, 2018 7:51 pm
Also, since i have a 10 year-40 year horizon I intend to stay agressive invested in 100% stock and just rebalance.
Since your AA will be 100/0, you won't have any rebalancing to do.

If I were you I'd stick with index funds and not do any individual stock investing.
by BolderBoy
Sat Sep 15, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: Is Hardwood Floor No Maintenance (vs Carpet)?
Replies: 39
Views: 3865

Re: Is Hardwood Floor No Maintenance (vs Carpet)?

Don't wear shoes inside the apartment. Just socks. Makes a big difference in the cleanliness of your abode.
by BolderBoy
Fri Sep 14, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: Revocable Trust or TOD Deed for Primary Residence?
Replies: 5
Views: 530

Re: Revocable Trust or TOD Deed for Primary Residence?

At initial reading, the TOD Deed seems both simple and inexpensive, compared to a Revocable Trust, especially since the house is the only item of interest. I am wondering, though, if the TOD Deed is really as easy and effective as it seems. Does anyone have experience with a similar issue, and woul...
by BolderBoy
Fri Sep 14, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: How to determine quality of a finished new construction home
Replies: 45
Views: 3039

Re: How to determine quality of a finished new construction home

Look closely at the "custom" kitchen cabinets. Look specifically at the hinges used. Are they cheap or of high quality? Can you be specific? How can you tell if the hinges are high quality? You'll need to go to a high-end cabinetry manufacturer (if you have one locally) or retailer and have a heart...
by BolderBoy
Thu Sep 13, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: How to determine quality of a finished new construction home
Replies: 45
Views: 3039

Re: How to determine quality of a finished new construction home

Look closely at the "custom" kitchen cabinets. Look specifically at the hinges used. Are they cheap or of high quality?
by BolderBoy
Wed Sep 12, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Medicare and related statements
Replies: 7
Views: 465

Re: Medicare and related statements

Does this bother anybody else? Am I nuts? Regardless of yes or no to that, why is this? Who in government or elsewhere could I contact who might care? Pick your battles. This one you can't do anything about. Before I retired I was a healthcare provider. Medicare would regularly spend 41 cents posta...
by BolderBoy
Mon Sep 10, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Need an independent insurance adjuster?
Replies: 5
Views: 557

Re: Need an independent insurance adjuster?

Myopic squirrel wrote:
Mon Sep 10, 2018 5:04 pm
My thought is to first meet with Allstate to see what they offer. If my brother is then dissatisfied, then bring in a/the independent.
This seems the more prudent approach. In fact, if a lawyer ends up getting involved, let the lawyer engage a private adjuster if deemed necessary.
by BolderBoy
Mon Sep 10, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5212

Re: Advice on how to deal with barking dogs

2.) Contact local animal control If your town/city has a strong barking dog ordinance, do this. It starts an official paper trail. Don't worry about your identity eventually being disclosed. For all the dog owner(s) know, you are crazier than they are. If your town/city does not have a strong ordin...
by BolderBoy
Sun Sep 09, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: Decking materials -your thoughts
Replies: 11
Views: 1033

Re: Decking materials -your thoughts

I replaced my redwood deck with TimberTech composite 10 years ago. It is south-facing and takes no maintenance. Still looks about as it did when it was installed.

My neighbor has a 30 y/o Trex deck that he is planning to replace in the next year. Looks good to me, but he says it is replacement time.
by BolderBoy
Sat Sep 08, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Switching Careers - From IT to Police Officer
Replies: 37
Views: 4218

Re: Switching Careers - From IT to Police Officer

I'm retired from a career in healthcare. I've met a whole bunch of cops who chucked it and went to nursing [mostly] school. None of them said that they'd ever go back to LE and all love their nursing careers. They all told hair-raising stories about having been cops. ... and I've met zero nurses who...
by BolderBoy
Sat Sep 08, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: What performance to expect from central AC?
Replies: 35
Views: 2391

Re: What performance to expect from central AC?

What performance should one expect from a central AC? Better than that, I would think. But there are other variables in play. How "tight" is your house? How well insulated? Where in the house - exactly - is the thermostat situated? My house is very tight and very well insulated so my AC doesn't bre...
by BolderBoy
Sat Sep 08, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Video Game Collection
Replies: 39
Views: 2310

Re: Video Game Collection

[TL;DR I've got a collection of over 300+ video games, half of them still sealed and brand new. A recent price guide appraisal puts the total value at almost $30,000. Should I consider selling or hold on for further potential appreciation?] What say the oh-so-wise Bogleheads? This one says, "Sell t...
by BolderBoy
Wed Sep 05, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Your experience with Nitrous for a dental implant?
Replies: 27
Views: 1243

Re: Your experience with Nitrous for a dental implant?

investingdad wrote:
Wed Sep 05, 2018 10:01 am
I'd appreciate input from folks that have had this done and opted for the nitrous over general.
Nitrous works better at New York's altitude than Denver's. Where do you live?
by BolderBoy
Tue Sep 04, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Does IRS care about short-term loans to family members?
Replies: 8
Views: 961

Re: Does IRS care about short-term loans to family members?

knightrider wrote:
Tue Sep 04, 2018 12:07 pm
Will this raise any red flags with IRS? Do I need to report or document this in some "official" way?
No and No.
by BolderBoy
Mon Sep 03, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: F2 Tornado just slammed our area - Any way to recover expenses?
Replies: 18
Views: 1540

Re: F2 Tornado just slammed our area - Any way to recover expenses?

Would this be a "Casualty or Theft Loss" on Schedule A, Form 1040?
by BolderBoy
Sun Sep 02, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Lexus vs. Mercedes
Replies: 86
Views: 6540

Re: Lexus vs. Mercedes

michaeljc70 wrote:
Sun Sep 02, 2018 9:49 am
Most of these types of threads are nugatory. Of course the Lexus will cost less to maintain. Styling, handling, image, comfort, priorities, etc. are all subjective.
I read threads like this for the word-a-day experience.

Now to go look up "nugatory"...
by BolderBoy
Wed Aug 29, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Ty Bernicke, FIREcalc, and SS payments paint a rosy picture
Replies: 9
Views: 679

Re: Ty Bernicke, FIREcalc, and SS payments paint a rosy picture

So, if I believe SS will be around in 2035 and onward, and Bernicke model is correct, I should be closer than I think. I'm skeptical. You should be. Remember that SS is based on your top 35 years of earnings and under your scenario there will be a lot of years with zeros in them. If you can make it...
by BolderBoy
Tue Aug 28, 2018 9:51 pm
Forum: Investing - Theory, News & General
Topic: Most commonly misused/misunderstood investing terms and concepts (on BH forum)
Replies: 220
Views: 11555

Re: Most commonly misused/misunderstood investing terms and concepts (on BH forum)

H-Town wrote:
Tue Aug 28, 2018 7:01 pm
8) "Market is efficient". Well, not perfectly efficient. There are outliners.
"outliners" vs outliers. ;)
by BolderBoy
Tue Aug 28, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice {CPA to ...}
Replies: 8
Views: 908

Re: Career Advice {CPA to ...}

Don't know where you live but you might consider looking into FinCEN (part of the department of the treasury). Lots of data analytics used there and your present credentials may be enough.