Search found 4026 matches

by BolderBoy
Mon Oct 22, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 66
Views: 3214

Re: PSA: Don't buy a big house

- 20-ft ceilings in hallways and 'great room' In some ways it's great, there is space to breathe. However, it turns out those high ceilings are a major pain! - Most light bulbs are out of reach without a very tall ladder For the exact reason you cite, I hate too tall ceilings. I specifically do not...
by BolderBoy
Mon Oct 22, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: 1099 for Solo 401k
Replies: 5
Views: 370

Re: 1099 for Solo 401k

1. Is it requisite to establish an LLC for this, or can I just DBA under my name? 2. I know I will need an EIN to open the Solo 401k account. However, does my 1099 need to be made under the LLC's EIN (i.e. do I tell the locum company to use my SSN or the EIN)? Or is it OK if the 1099 is paid direct...
by BolderBoy
Mon Oct 22, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Confused about compound interest and diminishing returns
Replies: 3
Views: 356

Re: Confused about compound interest and diminishing returns

For example, I just increased taxable another $6k/per year resulting in my family being able to retire ~ 1 year earlier. Shaving a year off your otherwise required worklife is quite significant in terms of QoL. Unless you completely love your work (and it loves you back), few people maintain the, "...
by BolderBoy
Mon Oct 22, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Retire now or in the Spring. - changing work conditions
Replies: 29
Views: 2098

Re: Retire now or in the Spring. - changing work conditions

I'm 59 and have saved at least 65x expenses with a pension of 2100 @65 and I plan to delay SS til 70. By definition, you are now financially independent so have nothing to lose if you were to be let go tomorrow. With that in mind, I'd approach the employer with my "demands" insofar as the employer'...
by BolderBoy
Sat Oct 20, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card claim for rental car collision?
Replies: 19
Views: 1389

Re: Credit card claim for rental car collision?

In the mid-1980s I rented a car from a national carrier and forgot to decline all the agency "coverages". While pulling into a national park parking area at a dead slow speed, looking to the left into the parking spot where I was turning, a small child darted in front of me from the right and... (ch...
by BolderBoy
Sat Oct 20, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Travelers Checks
Replies: 31
Views: 1613

Re: Travelers Checks

Can I post bail with a credit card? Does anyone even accept travelers checks these days, or even know what travelers checks are? Am I being prudent, overcautious, or just old-fashioned and out of touch? Should I hold on to the Amex travelers checks, or just deposit them in my checking account? Depo...
by BolderBoy
Sat Oct 20, 2018 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Received strange letter from IRS
Replies: 14
Views: 2592

Re: Received strange letter from IRS

I received a letter from the IRS that I don't understand. It references my 2017 Form 1040. It says: "We're working on your account. However, we need an additional 60 days to send you a complete response on what action we are taking on your account. We don't need any further information from you rig...
by BolderBoy
Sat Oct 20, 2018 5:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: metro Denver Bogleheads?
Replies: 38
Views: 5333

Re: metro Denver Bogleheads?

If it is Louisville, then I'd be interested as well.

Thanks.
by BolderBoy
Fri Oct 19, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: How important is registered mail for important documents?
Replies: 28
Views: 1504

Re: How important is registered mail for important documents?

I don't remember the US Post office ever losing something I mailed. I am about to mail a document that would be a pain to replace, and I just instinctively am headed to the post office to send it by registered mail, but I am wondering how important that really is? I used to live with a woman who wa...
by BolderBoy
Fri Oct 19, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 103
Views: 4679

Re: When to change tires; and what brand

Where do you see that 8/32in is the right tread depth for a brand new tire? I go to 'Americas Tire'. They have a large signboard in their lobby with that info and states that 8/32 is brand new This has been instructive, thank you. I did a Google search for "Americas Tire" and it turns out that the ...
by BolderBoy
Thu Oct 18, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 103
Views: 4679

Re: When to change tires; and what brand

I know that tire tread depth is 8/32 mm for a brand new tire... I was just on the Cooper Tire website the other day and they were showing their "brand new tires" as running from 11/32 - 13/32 (inches, not mm) depending upon the type of tire. Where do you see that 8/32in is the right tread depth for...
by BolderBoy
Thu Oct 18, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Bitcoin after death...some thoughts to consider
Replies: 10
Views: 2318

Re: Bitcoin after death...some thoughts to consider

If the encryption that bitcoin is based on is brute force cracked by this mythical soon-to-come computing power, the cracking of bitcoin will be dwarfed in significance to the cracking of encryption protecting US Dollar and Euro based financial systems. It's not mythical, it's called Quantum Comput...
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: 5429

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: 9
Views: 944

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: 10
Views: 764

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: 909

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: 2709

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: 268

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: 700

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: 7132

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: 3052

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: 3684

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: 31
Views: 3264

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: 1451

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: 11758

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: 1110

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: 1005

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: 1121

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: 9185

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: 4451

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: 210

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: 590

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: 1643

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: 49
Views: 3079

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: 1925

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: 1925

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: 1925

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: 1091

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: 521

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: 3761
Views: 1069141

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: 3502

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: 4828

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: 2307

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: 724

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: 3883

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: 540

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: 3063

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: 3063

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: 474

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: 564

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.