Search found 4194 matches

by BolderBoy
Wed Jan 16, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: Message from United Consumer Financial Services (UCFS). A Scam?
Replies: 10
Views: 709

Re: Message from United Consumer Financial Services (UCFS). A Scam?

Strider wrote:
Tue Jan 15, 2019 12:53 pm
Is this notice from UCFS a scam? Has anyone else on this board received such a notice? If a scam, to whom should we report this?
Bitbucket. Don't waste anymore time on this.
by BolderBoy
Sat Jan 12, 2019 10:34 pm
Forum: Personal Consumer Issues
Topic: Should I get umbrella liability insurance?
Replies: 55
Views: 4350

Re: Should I get umbrella liability insurance?

I'm less enthusiastic about insurance than others apparently. I only buy insure to protect myself from liability I can't afford to pay. I have a friend who was crashed into by a driver who crossed the median on an interstate. At the defendant's bankruptcy hearing my friend asked the judge to NOT di...
by BolderBoy
Fri Jan 11, 2019 12:15 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2019 BOGLEHEAD CONTEST [Entry deadline has passed]
Replies: 673
Views: 12246

Re: REGISTRATION FOR 2019 BOGLEHEAD CONTEST

Hmmmm. One downside I notice is that one has to read through 13 (presently) pages of guesses to see if someone else has used the one you plan to use. Since the rules (from last year) are that the earliest duplicate submission wins over a later one and you can't change your guess once submitted, it ...
by BolderBoy
Fri Jan 11, 2019 12:13 pm
Forum: Personal Consumer Issues
Topic: Should I get umbrella liability insurance?
Replies: 55
Views: 4350

Re: Should I get umbrella liability insurance?

Questions: 1-Are 401k plans shield at the state level? 2-Are Roth and traditional IRAS shielded at the federal level? 3-Are Roth and transitional IRAs shielded at the state level? 4-How much should I expect to pay for an umbrella policy per year? Any recommendation of vendor? 1. Yes 2. No 3. Depend...
by BolderBoy
Thu Jan 10, 2019 4:12 pm
Forum: Personal Consumer Issues
Topic: Should I get umbrella liability insurance?
Replies: 55
Views: 4350

Re: Should I get umbrella liability insurance?

yosemite_mountain wrote:
Thu Jan 10, 2019 3:21 pm
State of Residence: California
Yes, you should get an umbrella policy. 401k plans are completely shielded at the federal level (and therefore from state lawsuits as well, but the last time I looked California only affords protection to $100k of IRA holdings. This may have changed (doubtful).
by BolderBoy
Thu Jan 10, 2019 4:08 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2019 BOGLEHEAD CONTEST [Entry deadline has passed]
Replies: 673
Views: 12246

Re: REGISTRATION FOR 2019 BOGLEHEAD CONTEST

Hmmmm. One downside I notice is that one has to read through 13 (presently) pages of guesses to see if someone else has used the one you plan to use. Since the rules (from last year) are that the earliest duplicate submission wins over a later one and you can't change your guess once submitted, it m...
by BolderBoy
Sat Jan 05, 2019 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: SALT Limitation: Better to claim state sales tax deduction instead of income tax deduction if above the 10k Limit?
Replies: 14
Views: 1897

Re: SALT Limitation: Better to claim state sales tax deduction instead of income tax deduction if above the 10k Limit?

Interesting discussion between MarkNYC and Alan S. I suspect that the IRS will require fractionalizing the refund's subsequent taxability if it was included in the itemization list. So someone includes on Sched A: state income tax ($5000), property tax ($15000) and NYC tax ($1000). The total $21000 ...
by BolderBoy
Sat Jan 05, 2019 8:31 pm
Forum: Personal Consumer Issues
Topic: Windows 10 / Office 2019 headache
Replies: 24
Views: 1576

Re: Windows 10 / Office 2019 headache

stlutz wrote:
Sat Jan 05, 2019 8:01 pm
Windows 10 is such an improvement over prior versions of Windows in terms of overall stability. Just upgrade your OS.
+1. Completely agree with this.
by BolderBoy
Sat Jan 05, 2019 8:29 pm
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 177
Views: 9209

Re: Which Compact SUV Should I Buy?

livesoft wrote:
Thu Jan 03, 2019 3:55 pm
Toyota RAV4 has all the safety features nowadays of Volvo, Subaru, et al. But you would be making a statement with the RAV4.
What statement?
by BolderBoy
Fri Jan 04, 2019 10:04 pm
Forum: Personal Consumer Issues
Topic: First (consumer!) purchase of 2019 and purchase recordkeeping
Replies: 32
Views: 2196

Re: First (consumer!) purchase of 2019 and purchase recordkeeping

dodecahedron wrote:
Wed Jan 02, 2019 11:12 pm
Details are here.
This looks pretty amazing. Wonder how they are making their money cuz they sure ain't makin' it on you?
by BolderBoy
Thu Jan 03, 2019 7:35 pm
Forum: Investing - Theory, News & General
Topic: 2018 Tax Law - Subtle LTCG Rate Calc Change
Replies: 4
Views: 834

Re: 2018 Tax Law - Subtle LTCG Rate Calc Change

trueblueky wrote:
Thu Jan 03, 2019 5:55 pm
Noted.

The next LTCG bracket is 15%, so for a $100 span, they're taxed heavier than ordinary income.
Hah! I hadn't yet made that connection.

Clever folks, these...
by BolderBoy
Thu Jan 03, 2019 4:22 pm
Forum: Investing - Theory, News & General
Topic: 2018 Tax Law - Subtle LTCG Rate Calc Change
Replies: 4
Views: 834

2018 Tax Law - Subtle LTCG Rate Calc Change

I'm making changes to and updating my quarterly, estimated tax, Excel spreadsheet. I found mention of a very subtle change to how LTCGs are going to be taxed. Prior to 2019 (or 2018, maybe I missed it) the top of your taxable income bracket was also the top of your LTCG bracket. Not so for 2019 (and...
by BolderBoy
Wed Jan 02, 2019 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: How much term life insurance to buy?
Replies: 32
Views: 2419

Re: How much term life insurance to buy?

Thanks for all the advice. Since we live in a high COL area, maybe a $4M 20-year term policy is best. I have already purchased individual disability insurance. We do not own a home yet (still saving) and do not have other liabilities. Be sure to insure your wife, too. For at least $1mil. You can't ...
by BolderBoy
Wed Jan 02, 2019 10:48 pm
Forum: Personal Consumer Issues
Topic: What is the truth - paper towels vs. electric hand dryer?
Replies: 38
Views: 2278

Re: What is the truth - paper towels vs. electric hand dryer?

slayed wrote:
Wed Jan 02, 2019 10:38 am
I always prefer paper towel because I can use it to open the door when leaving. washing is rather pointless otherwise if you have to grab a filthy door handle on your way out.
+2000!
by BolderBoy
Wed Jan 02, 2019 10:44 pm
Forum: Personal Consumer Issues
Topic: First (consumer!) purchase of 2019 and purchase recordkeeping
Replies: 32
Views: 2196

Re: First (consumer!) purchase of 2019 and purchase recordkeeping

dodecahedron wrote:
Wed Jan 02, 2019 10:53 am
... including a $0 premium Medicare Advantage PPO with modest copays...
I'd like to hear more about your ZERO premiums MA plan. How did you wangle that?

You're the uberBH!
by BolderBoy
Wed Jan 02, 2019 10:22 pm
Forum: Personal Consumer Issues
Topic: Snow Plowing
Replies: 54
Views: 2496

Re: Snow Plowing

jfn111 wrote:
Tue Jan 01, 2019 9:51 am
I have a Toro snowblower and do my driveway...
Same setup here.
by BolderBoy
Sun Dec 30, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Help with RMD
Replies: 30
Views: 2296

Re: Help with RMD

Just think, if the IRS or congress or whoever had made the RMD age 70 (or 71) rather than 70.5 we probably would not have had all of these enlightening conversations on the forum. Somewhere I read that the .5 age thing is based in legal arguments. The xx.5 age definition is found throughout federal...
by BolderBoy
Sun Dec 30, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Help Me Get Rid of Chubb/Reduce Cost of Homeowners Insurance
Replies: 15
Views: 2024

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
Fri Dec 28, 2018 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 61
Views: 5699

Re: Quicken Alternatives

Does any alternative (moneydance, gnucash, etc) allow importing 15+ yrs of data in my current quicken file (approx. 50MB QDF file)? You can do it with gnucash, but how easy it is "depends". If you were ruthless in keeping every, single account that you ever set up in Quicken, then the import will w...
by BolderBoy
Fri Dec 28, 2018 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 61
Views: 5699

Re: Alternatives to Quicken

How do you handle your contributions to investment accounts? Do you put them to an expense field or plug them to an asset and not worry about where value currently is? I have them all as assets. Finance:Quote sort of works with Alphavantage, but Alphavantage's obvious [now] goal was to harvest a bu...
by BolderBoy
Fri Dec 28, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: which route is more economical?
Replies: 19
Views: 1438

Re: which route is more economical?

I would appreciate any tips about how to think about: (1) difference in car operating cost between the two routes? (2) difference in environmental impact between the two routes? Without knowing the dozens of additional variables in play, I'd say the hands-down, "best all 'round" would be the longer...
by BolderBoy
Fri Dec 28, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: End of year computer maintenance (maybe other things)
Replies: 15
Views: 1485

Re: End of year computer maintenance (maybe other things)

GoldStar wrote:
Fri Dec 28, 2018 11:44 am
Twice yearly I back up all my computer files to a hard-drive and put it in a safety deposit box
2nd this advice and put the HDDs into Ziploc bags before taking them to the safe deposit box, as recommended by others here.
by BolderBoy
Fri Dec 28, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: Hot Tub - Spa Purchase Help
Replies: 17
Views: 1037

Re: Hot Tub - Spa Purchase Help

I would check out COSTCO. I think they carry that brand but it is under a different name. It is 5 or 6K delivered. A friend of mine just bought one and absolutely loves it. A COSTCO membership will pay for itself pretty quickly (get the gold one because you'll get a bigger rebate on this expensive ...
by BolderBoy
Fri Dec 28, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Saving at Costco
Replies: 109
Views: 8097

Re: Saving at Costco

bloom2708 wrote:
Fri Dec 28, 2018 3:55 pm
Don't buy soda and other non-water beverages.
You buy water at Costco (or anywhere, where you live)? It is way more expensive than gasoline, gallon-for-gallon. Is your tap water known to be non-potable?
by BolderBoy
Fri Dec 28, 2018 10:44 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9289

Re: What common everyday inconvenience have you intentionally suffered for frugality?

Curious to see some examples. No judgement! Some of mine: -Haven't replaced car battery for few months so instead of having keyless entry/start, now I have to take out manual key from keyfob and insert keyfob that happens to be under the center console every time. A real hassle when you have full h...
by BolderBoy
Wed Dec 26, 2018 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: This is why you should not time the market
Replies: 38
Views: 5921

Re: This is why you should not time the market

I timed the market. But not on purpose. In mid-September I began to feel greedy so I went from 90% stocks 10% bonds to 70% stocks and 30% bonds. Decided to go back to 80% stocks and 20% bonds last Friday. I think I'll sit on this for a while. :shock: You absolutely timed the market on purpose. Luck...
by BolderBoy
Wed Dec 26, 2018 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 61
Views: 5699

Re: Alternatives to Quicken

I just notice Quicken has gone to a yearly subscription service. I don't mind buying updated software every few years but I don't like paying annual ransom (sorry annual fees). Any alternative to Quicken, not online, that can import Quicken data directly and not have an annual fee? If you are a bit...
by BolderBoy
Wed Dec 26, 2018 10:46 pm
Forum: Forum Issues and Administration
Topic: SITE OFFLINE (Dec 28) Friday, 2:00 PM Eastern (19:00 UTC) - software upgrade
Replies: 31
Views: 2016

Re: SITE OFFLINE (Dec 27) Thursday, 2:00 PM Eastern (19:00 UTC) - software upgrade

Yes, thank you to all the admins and moderators who make this fine discussion forum possible!

My annual $1k donation check will be along in early January, as in past years.
by BolderBoy
Sun Dec 23, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Help with RMD
Replies: 30
Views: 2296

Re: Help with RMD

technically you have until April 1st of the year following the year in which you turn 70.5. https://www.google.com/search?client=firefox-b-1-ab&q=take+rmd+by+april+1st+following+the+year+in+which+you+turn+70+1%2F2 But if you wait until that year, don't you have to take two RMDs in that year?
by BolderBoy
Sun Dec 23, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: Win 10 image backup software?
Replies: 12
Views: 1035

Re: Win 10 image backup software?

+1. Agree with using the built-in imaging util provided by in Win10.

I've made 100s of images and they've saved my butt many dozens of times.
by BolderBoy
Sun Dec 23, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Costco Tire Quality Seconds/Blems??
Replies: 31
Views: 2821

Re: Costco Tire Quality Seconds/Blems??

RickBoglehead wrote:
Sat Dec 22, 2018 11:11 pm
Totally BS info.
Agree, it is BS.

Can you imagine Costco's liability exposure if it were true? It is nonsense.
by BolderBoy
Sun Dec 23, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: "Masters in Counseling" vs. "Masters in Social Work" (Massachusetts)
Replies: 21
Views: 1840

Re: "Masters in Counseling" vs. "Masters in Social Work" (Massachusetts)

Have her check state laws in whatever states she will likely wind up in in terms of independence practice. Make sure she is trained in CBT and EMDR either with coursework or afterwords. Ask about how they arainge post schooling practice to gain hours. I have only seen both from the outside once the...
by BolderBoy
Sat Dec 22, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: What is your TLH threshold?
Replies: 33
Views: 1469

Re: What is your TLH threshold?

Less than a month ago I invested a $12k lump sum in TSM and it is down about $1,000. No big deal because this is retirement money. I have about $2,200 in capital losses already realized for 2018. Is there a good reason not to exchange the $11k balance to the 500 index and increase my capital loss s...
by BolderBoy
Sat Dec 22, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Bills or Investing
Replies: 23
Views: 1403

Re: Bills or Investing

My friend is single with no major bills (not even a car note), no kids, and he rents. He argues that we should divert all extra income into the market. Are we doing ok or making a mistake? Your friend is wrong - completely wrong about what YOU should be doing. His and your circumstances are complet...
by BolderBoy
Sat Dec 22, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Having minor panic about finances with second child, best way to budget?
Replies: 54
Views: 3041

Re: Having minor panic about finances with second child, best way to budget?

cdu7 wrote:
Fri Dec 21, 2018 11:01 am
My mom who is visiting told me she is terrified we are going to be financially wrecked if one of us loses our jobs.
I'm with your mom. How big is your emergency fund? Seems to me like it should be about $100k, if not more.
by BolderBoy
Sat Dec 22, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: How market timing will go wrong?
Replies: 62
Views: 3893

Re: How market timing will go wrong?

But for my understanding and education, I'd like to ask something. What will go wrong with, or what are the flaws with, or why the following is a bad idea: Since the market is going down and there is talk of entering bear market: - Sell the two stock funds (total US and total international) in 401k...
by BolderBoy
Thu Dec 20, 2018 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Finally asking for help..
Replies: 18
Views: 2703

Re: Finally asking for help..

zshad808 wrote:
Thu Dec 20, 2018 6:55 pm
Desired asset allocation : 80% stocks, 20% bonds (or 75/25, somewhere in this range)
Is the current market volatility unsettling to you? I ask because age 48 and an AA of 80/20 could be a bit rich for your blood.
by BolderBoy
Thu Dec 20, 2018 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: "Diminished Value" of vehicle from accident
Replies: 8
Views: 649

Re: "Diminished Value" of vehicle from accident

FRANKLINPROPERTY wrote:
Thu Dec 20, 2018 6:01 pm
I don't believe you can bring a lawyer to small claims court which Allstate knows. Good luck.
I guess it depends on the state. In Colorado either party can bring a lawyer to small claims court so long as the opposing party is notified [some amount of time] in advance.
by BolderBoy
Thu Dec 20, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Is Liquid Plumber / Draino bad for the pipes?
Replies: 51
Views: 5940

Re: Is Liquid Plumber / Draino bad for the pipes?

Kennedy wrote:
Mon Dec 17, 2018 11:41 pm
I further tried this device designed to snake a drain- it's a straight, foot long piece of plastic with barbs. That didn't work either.
A 'foot long'? The one I have is 3' long, very flexible and worked perfectly for my slow draining shower. Bought it at Home Depot, I think.
by BolderBoy
Thu Dec 20, 2018 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Time to move on?
Replies: 10
Views: 1460

Re: Time to move on?

It would be better for achieving our target AA (not to mention simplicity) to use a broader fund like Vanguard Total Stock Market VTSAX, but I'm concerned that we would be trading away the opportunity to recover. What is the Boglehead common sense on this? BH common sense is 1) diversify maximally,...
by BolderBoy
Tue Dec 18, 2018 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: I have some $ sitting lazily - advice please
Replies: 9
Views: 957

Re: I have some $ sitting lazily - advice please

I know timing the market is a foolish move ( am not even that savy to consider that .... ) but as we know 2018 wasn't great so far lately. I lost some ( but since am investing long term i didn't lose a sleep yet , that being said I want to buy total stock ( VTSAX ) now that price has dipped a littl...
by BolderBoy
Mon Dec 17, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Law school without practicing law
Replies: 79
Views: 5822

Re: Law school without practicing law

Wasn't there an episode of "Law and Order" in which a woman responded to Sam Waterston, "Oh, please... There are so many lawyers in our family I grew up thinking that 'Esquire' was our last name."?
by BolderBoy
Sun Dec 16, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Law school without practicing law
Replies: 79
Views: 5822

Re: Law school without practicing law

Does anyone here have suggestions for good introductory online courses? If you have a local law school, see if they offer a "mini-law-school" course of some sort. Maybe 7-10 lectures by law professors in their areas of expertise just to give you a taste of it. Sometimes you can contact a law profes...
by BolderBoy
Sun Dec 16, 2018 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire
Replies: 126
Views: 10115

Re: Can I retire

waxman003 wrote:
Sat Dec 15, 2018 12:59 am
SS will be $2400 per month at 67
Are you sure you are doing the math correctly on this? Retiring at 54 will give you a lot of years of zeros out of the 35 highest.
by BolderBoy
Sat Dec 15, 2018 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Law school without practicing law
Replies: 79
Views: 5822

Re: Law school without practicing law

So introducing myself as “Dr. 6Pack” because of my academic degree (JD, which is a doctorate degree) is acceptable? Whenever someone introduces themselves to me as “doctor” I always follow up with “what’s your specialty?” In court once I heard a young, newly-minted lawyer make his appearance as "Dr...
by BolderBoy
Sat Dec 15, 2018 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible Funds [Shariah-Compliant]
Replies: 16
Views: 1803

Re: Socially Responsible Funds

Trying to compare performance of shariah-complaint actively managed funds, shariah-complaint passive funds, and vanguard sp500/total US, inclusive of fees Not sure if shariah-compliant funds of either grouping behave differently from non-shariah compliant funds in similar groupings, but in general,...
by BolderBoy
Sat Dec 15, 2018 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: ST Loss taken, ST Gain pending?
Replies: 4
Views: 259

Re: ST Loss taken, ST Gain pending?

Thanks for the wisdom. I'll sit tight.
by BolderBoy
Sat Dec 15, 2018 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: ST Loss taken, ST Gain pending?
Replies: 4
Views: 259

ST Loss taken, ST Gain pending?

October 1: sold Intermediate Term Tax-Exempt bond (ITTE) = ST Loss realized. October 1: bought Long Term Tax-Exempt bond (LTTE) :(. November 4: sold LTTE = more ST Loss realized. :( November 4: rebought ITTE. December 10: ITTE has a ST gain almost enough to offset the ST losses above (not yet realiz...
by BolderBoy
Fri Dec 14, 2018 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5255

Re: Forgoing health insurance

I don't mind paying out of pocket (even non-negotiated rates) for medical expenses, everything up to a catastrophic event, say $40K+ in a year. $40k can be one ER visit. Add in an emergency trip to the OR for something fairly routine and that can double. I spent my career working in healthcare. Don...