Search found 3827 matches

by BolderBoy
Sat Apr 21, 2018 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Lump sum vs Dollar-cost average in 2018?
Replies: 7
Views: 728

Re: Lump sum vs Dollar-cost average in 2018?

onourway wrote:
Fri Apr 20, 2018 7:18 pm
All money invested as soon as it is available, just like always.
This.
by BolderBoy
Sat Apr 21, 2018 10:47 am
Forum: Investing - Help with Personal Investments
Topic: What To Do With Active Funds
Replies: 4
Views: 332

Re: What To Do With Active Funds

Thanks, both, for confirming my intuition! Chip, in terms of the cap gains distribution, I thought that was only an issue if I continued to hold the funds, because if I sell them there won’t be any cap gains (from those funds) to distribute to me in the future. My thinking was I’d pay a one time ca...
by BolderBoy
Sat Apr 21, 2018 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Looking for your thoughts on my portfolio
Replies: 9
Views: 560

Re: Looking for your thoughts on my portfolio

Other stock: $21,000 Savings: $53,000 cash My main question is: Is it a smart idea to be so heavily invested in stock index funds? I have considered splitting them out into more of an 80/20 allocation, but I don't feel I am in a rush to do this. Please give me your thoughts! Overall it looks like y...
by BolderBoy
Sat Apr 21, 2018 10:38 am
Forum: Investing - Help with Personal Investments
Topic: New to Investing
Replies: 6
Views: 370

Re: New to Investing

(3) I automatically reinvest all dividends in my 401K and will do so for the IRA account I will soon open. However, I’d like to know what the best practices are for tax efficiency purposes (and capital gains purposes too), as to reinvesting dividends into your portfolio as opposed to keeping it as ...
by BolderBoy
Sat Apr 21, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Newborn- essential financial steps
Replies: 14
Views: 955

Re: Newborn- essential financial steps

uberdoc wrote:
Sat Apr 21, 2018 8:00 am
My spouse has life insurance and I am in process of getting mine.
Very large value policies, right? $2 million or more on each of you.
by BolderBoy
Sat Apr 21, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Long term care ins John Hancock
Replies: 20
Views: 726

Re: Long term care ins John Hancock

What are your experiences dealing with ltc? My parents bought John Hancock LTC policies when they first became fashionable (1990s?). Both policies had 90 day waiting periods. One parent died within 24 hours of getting sick and the other died within 2 weeks of getting sick, so neither was able to av...
by BolderBoy
Sat Apr 21, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy an apartment for myself, and how should I finance it?
Replies: 7
Views: 868

Re: Should I buy an apartment for myself, and how should I finance it?

hithere wrote:
Fri Apr 20, 2018 7:31 am
The rented apartment I'm living in at the moment has a gross rental yield of 6%, the net return from my investments is 8%...
"gross rental yield" is a term I haven't heard before. Can you explain what it means, please?

Where and/or how are you "netting" 8% on your investments?
by BolderBoy
Thu Apr 19, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: IT platform support for Telemedicine practice [edited subject]
Replies: 4
Views: 381

Re: IT platform support for Telemedicine practice [edited subject]

Timothy Buchman, MD PhD, at Emory University (Atlanta) heads up an innovative, critical care, telemedicine program that is transnational in scope. His group has worked out many of the bugs and may have published a lot of their grunt work.
by BolderBoy
Thu Apr 19, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 4006

Re: Another discussion about private vs public schools?

We're both PhDs. Education is very important to us and we plan on lots of enrichment when the little Nugget is home with us. Most school rankings data is bunk, and correlates very closely with household income levels. You are well-educated professionals, and your child will likely do fine in any ha...
by BolderBoy
Tue Apr 17, 2018 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: What type of EIN for solo 401k?
Replies: 2
Views: 233

Re: What type of EIN for solo 401k?

Seen lots of answers for this. Is there a consensus? I used the "sole proprietor" classification (as I am a sole prop) and reason for forming was "started a new business." Does it much matter? You need to apply (on-line) for a separate TIN (taxpayer ID number) for the 401k plan. You're still a sole...
by BolderBoy
Tue Apr 17, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Can I *not* claim all the state tax in my itemized deduction?
Replies: 39
Views: 4004

Re: Can I *not* claim all the state tax in my itemized deduction?

As I understand the question, the OP doesn't want to claim all the non-business deductions to which he is lawfully entitled. Numerous responders have said, "No, that is illegal! You must claim all your [non-business] deductions." I'm here to say that is nonsense. If I donate $10k to charity and cho...
by BolderBoy
Mon Apr 16, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Taxes Question -- Help!
Replies: 14
Views: 915

Re: Estimated Taxes Question -- Help!

Thank you. This is the annualized installment method, right? I read somewhere that it should only be used "if you didn't receive your income evenly throughout the year" -- that is somewhat true for me because about 1/4 of my income comes in the form of a bonus at year end. And then there is this Q2...
by BolderBoy
Mon Apr 16, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 5392

Re: Costco gas

tmsul100 wrote:
Sun Apr 15, 2018 11:13 am
Do you go out of your way to buy gas at Costco? Those who drive a "premium" tier car, do you buy premium gas? Thanks!
I have such a car and it has never seen "premium gas" in its entire life (13 years, 92k miles). Pretty much only use Costco gas.
by BolderBoy
Mon Apr 16, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Can I *not* claim all the state tax in my itemized deduction?
Replies: 39
Views: 4004

Re: Can I *not* claim all the state tax in my itemized deduction?

As I understand the question, the OP doesn't want to claim all the non-business deductions to which he is lawfully entitled. Numerous responders have said, "No, that is illegal! You must claim all your [non-business] deductions." I'm here to say that is nonsense. If I donate $10k to charity and choo...
by BolderBoy
Mon Apr 16, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Taxes Question -- Help!
Replies: 14
Views: 915

Re: Estimated Taxes Question -- Help!

1.) What advice can you give me about how to balance out this cash flow issue? I keep running numbers over and over and it just seems like there is no way to slice or dice it other than you have this shortfall in the second quarter, but then a windfall in the final quarters. How do people smooth th...
by BolderBoy
Mon Apr 16, 2018 1:07 pm
Forum: Investing - Theory, News & General
Topic: Higher bond allocations with riskier bonds
Replies: 10
Views: 537

Re: Higher bond allocations with riskier bonds

ibhhvc wrote:
Mon Apr 16, 2018 11:32 am
But at the same time, is there a good reason not to?
Yes. KISS. Take your risks on the stock side. The more variables one weaves into one's investing strategies, the tougher it is to understand why it doesn't work out, when it doesn't.
by BolderBoy
Mon Apr 16, 2018 1:04 pm
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 10943

Re: We crush stock indexes, Yale claims

Badger1754 wrote:
Sun Apr 15, 2018 3:03 pm
5 problems with this claim: [... deleted to save space ...]
Thank you for this very excellent analysis!
by BolderBoy
Mon Apr 16, 2018 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Two Jobs, Two Retirement Plans; $110,000 Per Year Contribution Limit?
Replies: 4
Views: 1020

Re: Two Jobs, Two Retirement Plans; $110,000 Per Year Contribution Limit?

I can theoretically have $55k/year contributed from my FT employer to the SEP-IRA and then make a $18.5k/year contribution into my PT employer's 401k plan, plus their match, up to another $55k/year, for a total of $110k/year. Is that correct? If your income is high enough at each employer, then the...
by BolderBoy
Fri Apr 13, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: NJ passes law in response to SALT limits
Replies: 9
Views: 1965

Re: NJ passes law in response to SALT limits

Probably not going to help much. Federal law requires that the charity receiving the donation give a receipt to the giver of the donation and itemize out specifically if any "benefit was received" in exchange for the donation. The deductibility of the donation is then reduced by the amount of the be...
by BolderBoy
Thu Apr 12, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: Picture duplicates on hard drive
Replies: 8
Views: 709

Re: Picture duplicates on hard drive

ThriftyPhD wrote:
Thu Apr 12, 2018 11:39 am
If you're handy with a command line (you mention rsync), you could run a md5 checksum on each file. If two files have the same hash, then they have the same contents.
A very clever suggestion. I'll tuck this away for future reference. Thanks.
by BolderBoy
Thu Apr 12, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: KeePass random generator
Replies: 17
Views: 1797

Re: KeePass random generator

For example, if the site allows 16 character passwords with lower case, upper case, number, and symbol characters, it would take over a billion years for an attacker guessing at 200 billion passwords per second to test all possible passwords. And if the password is adequately salted - as they all s...
by BolderBoy
Tue Apr 10, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: KeePass random generator
Replies: 17
Views: 1797

Re: KeePass random generator

boglemania wrote:
Sun Apr 08, 2018 11:33 am
Does anyone have a link on a password manager on how to randomly generate passwords with every log on? thanks!
I think a Yubikey is what you want. KeePass doesn't do this.
by BolderBoy
Mon Apr 09, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 95
Views: 6876

Re: New faster DNS - 1.1.1.1 by CloudFlare

1.1.1.1 is pretty impressive. It is just a tiny bit slower than Comcast's servers (my ISP). And just slightly faster than Google's free DNS servers (8.8.8.8 and 8.8.4.4).

(running DNSBench by GRC Research https://www.grc.com/dns/benchmark.htm)
by BolderBoy
Sun Apr 08, 2018 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Need help! [How to use cash]
Replies: 5
Views: 388

Re: Need help! [How to use cash]

In this volatile market, what can I do to beat inflation and earn some modest returns? I mention modest because I want to be conservative with my cash as much as possible. You are asking a tough question with some mutually exclusive ground rules. Following the requirements of the last sentence you ...
by BolderBoy
Sat Apr 07, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: $30M Umbrella Insurance?
Replies: 31
Views: 3732

Re: $30M Umbrella Insurance?

Take a look at auto accident cases where the victim is paralyzed. $15-$35 million seems to be the typical range of verdicts in those situations. I wish I had better data on that. I know a claim in that range would exhaust my policy limits and exceed my net worth. The overwhelming majority of my ass...
by BolderBoy
Sat Apr 07, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: How do you estimate your home's market value?
Replies: 53
Views: 3375

Re: How do you estimate your home's market value?

delrinson wrote:
Sat Apr 07, 2018 6:02 am
Can anyone recommend a better approach?
I just use my county property tax assessor's valuation. Close enough to reality and probably conservative.
by BolderBoy
Sat Apr 07, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Where to hold ~500K cash
Replies: 25
Views: 3198

Re: Where to hold ~500K cash

My question is can I just open multiple money market or savings accounts with my bank to hold that money or should I open new accounts at different banks to hold that money? I use Vanguard for all of my investments and don't know if there's a solution with them that I am not aware of. If FDIC insur...
by BolderBoy
Sat Apr 07, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: !Please Advise on sensible housing for guy going through divorce!
Replies: 32
Views: 2638

Re: !Please Advise on sensible housing for guy going through divorce!

Gardener wrote:
Sat Apr 07, 2018 7:51 am
I want her to stay in the home because she, her mother in law, and child all live there and it would be most stabile in the short term for the child to stay in the home.
If it is her mother-in-law, then it is YOUR mother, right? What does your mother want to do in all this?
by BolderBoy
Tue Apr 03, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Recordkeeping system for retirees
Replies: 25
Views: 2598

Re: Recordkeeping system for retirees

Any boglehead based recommendations on a document and recordkeeping system that works well for them? I bought a Fujitsu multisheet scanner (Scansnap) and did the arduous task of scanning 40 years of hard copy documents (literally a roomful of boxes of documents) into very descriptive filenames star...
by BolderBoy
Tue Apr 03, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: No will. What happens to my accounts if I die?
Replies: 34
Views: 2741

Re: No will. What happens to my accounts if I die?

Would it make sense to just give my parents a list of all my accounts and their account numbers? That way if anything happened to me they could track everything down. At the very least you should set up every asset you have as a POD/BOD/TOD if it is permitted by your state. So all your financial as...
by BolderBoy
Sat Mar 31, 2018 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Customer Service with Vanguard
Replies: 46
Views: 3527

Re: Customer Service with Vanguard

I think you'll find many posts on this forum addressing this issue. Some people have experienced problems, some not. I've used Vanguard for ~20 years and never had a problem until I had to settle my mother's estate. Then, the problems began. ... and to balance out your experience, I've been with VG...
by BolderBoy
Sat Mar 31, 2018 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Planning to trade car with my friend. Need bogleheads' wisdom
Replies: 22
Views: 1843

Re: Planning to trade car with my friend. Need bogleheads' wisdom

CAsage wrote:
Sat Mar 31, 2018 5:49 pm
Wild thought - can you get both cars titled as joint, then change it later to just drop one person?
A very creative idea...
by BolderBoy
Sat Mar 31, 2018 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?
Replies: 35
Views: 3254

Re: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?

TheDDC wrote:
Sat Mar 31, 2018 10:13 pm
I'll ask you the first thing the attorneys asked us after an accident: do you have full tort?

If you don't, take it as an inexpensive lesson to add to your policy.
Never heard of this. Can you explain more?
by BolderBoy
Sat Mar 31, 2018 12:02 pm
Forum: Investing - Theory, News & General
Topic: William Bernstein: Retirement Investing and Spending in two easy steps
Replies: 77
Views: 8969

Re: William Bernstein: Retirement Investing and Spending in two easy steps

Very nice post. Although I disagree with Dr. Bernstein in regard to simply buying a TIPS ladder once one has reached FIRE. So at that point we are supposed to have no stock exposure at all? I suspect that his argument is that all one needs to do is keep up with inflation and TIPS do that. If the go...
by BolderBoy
Fri Mar 30, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions from a Graduating Medical Student
Replies: 10
Views: 708

Re: Portfolio Questions from a Graduating Medical Student

Awar77 wrote:
Thu Mar 29, 2018 9:51 pm
Tax Rate: 10.6% effective Federal, 3.7% effective State
For future reference, learn what your marginal tax rates are, both federal and state and learn the brackets to which they apply. "Effective" tax rates don't tell you anything meaningful.
by BolderBoy
Fri Mar 30, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 71
Views: 8139

Re: Resign from job or possible termination

If you are going to be terminated not-for-cause, stick it out but start job hunting now. If you can't find something at least you'll have the unemployment cushion. Terminations, IMO, don't hurt your chances of finding a new job unless they are for-cause or frequently repeated. Agree with this appro...
by BolderBoy
Fri Mar 30, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Should I loan my child money for college?
Replies: 73
Views: 5241

Re: Should I loan my child money for college?

CZjc1330 wrote:
Thu Mar 29, 2018 4:32 pm
Could your daughter attend a local community college for the first two years? They are far less expensive plus living at home saves a ton of money as well.
This...
by BolderBoy
Wed Mar 28, 2018 1:15 pm
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 108
Views: 15126

Re: Is it time to dump high yield savings for prime money market?

- Getting my spouse to know and to remember where our money is, and never forget that, in case I am not around. Easily solved. Get a 3-ring notebook, entitle it "Family Financial Album" along the spine and keep one page printout from each of your accounts in the notebook. You can even be sloppy and...
by BolderBoy
Wed Mar 28, 2018 1:05 pm
Forum: Investing - Theory, News & General
Topic: What would you do if you were in charge of a State Pension Fund?
Replies: 36
Views: 2003

Re: What would you do if you were in charge of a State Pension Fund?

Cruise wrote:
Tue Mar 27, 2018 9:51 pm
Does is make a difference if other people's financial well-being is on the line?
Doesn't seem to make a difference to the current board. First thing I'd do is halve the absurdly high rate-of-return estimations that virtually all public pension plans seem to believe in. OPM and all that...
by BolderBoy
Wed Mar 28, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: Is technical analysis all smoke and mirrors?
Replies: 62
Views: 4826

Re: Is technical analysis all smoke and mirrors?

I personally believe that trend-following has a lot of merit to it (I have never bought into making investment decision on chart patterns but to each their own). For 3 years in the mid-2000s I tried "trend following" with a guy who had a large following and claimed he had made a lot of money doing ...
by BolderBoy
Wed Mar 28, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: 1099 business expense question
Replies: 8
Views: 442

Re: 1099 business expense question

Hi - I worked for few months in 2017 on 1099 (individual) basis & then I took time off & went out of country. During my period outside states, I enrolled in a course ( that's related to my profession) & completed it. Question is.. when I file taxes, can this expense be considered as something relat...
by BolderBoy
Wed Mar 28, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Receive dividends from Index funds?
Replies: 23
Views: 1889

Re: Receive dividends from Index funds?

riptide wrote:
Wed Mar 28, 2018 12:09 pm
I have always re-invested the dividends, and want to know if it would not be a good idea to receive dividends for a year or so.
In a non-retirement account it is usually better to take dividends and cap gains in cash, then decide what to do with the $$$ after that.
by BolderBoy
Tue Mar 27, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Denver to Salt Lake City
Replies: 12
Views: 1225

Re: Denver to Salt Lake City

Flying to Denver. Renting a car and driving around Colorado to SLC. Two week trip in June. Plan on spending 2 days in Denver and then drive to SW Colorado and spend 5-6 days. Then to Albuquerque for 2 days, then finish up in SLC. Any ideas on things to do, places to see, restaurants, etc. We do not...
by BolderBoy
Tue Mar 27, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Question for physicians-- is my taking call worth it?
Replies: 61
Views: 6445

Re: Question for physicians-- is my taking call worth it?

Ditch the call. If all you are getting is $500/day and consider that lucrative, you are in the wrong specialty. Retired now, but the OBGyns at my former hospital were getting $2400/day for taking in-house calls for a not hugely busy setting.
by BolderBoy
Tue Mar 27, 2018 10:13 am
Forum: Investing - Help with Personal Investments
Topic: HELP wash sale / day trading
Replies: 8
Views: 657

Re: HELP wash sale / day trading

I thought that in day trading the concept of "wash sale" is immaterial. Over the long term you are probably going to lose money anyway, right?
by BolderBoy
Sun Mar 25, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: [Moving out of CA. What city has decent weather?]
Replies: 46
Views: 6221

Re: [Moving out of CA. What city has decent weather?]

Tech wrote:
Sun Mar 25, 2018 2:29 am
If one need to move out of CA, which city and state would has decent weather?
Not too crazy about tax. State tax, sale tax....
Raising a family is also factored in.
I would look at Carson City, NV.
by BolderBoy
Sun Mar 25, 2018 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Policy - Cash in or not?
Replies: 19
Views: 1431

Re: Whole Life Policy - Cash in or not?

Well... this is all way over my head so I'm going to recommend that she visit this website http://www.evaluatelifeinsurance.org/ as suggested above, and follow the directions there.

Thanks all.
by BolderBoy
Sun Mar 25, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Policy - Cash in or not?
Replies: 19
Views: 1431

Re: Whole Life Policy - Cash in or not?

Is that the total COI for the year? Annual COI of $410 seems cheap for approx $100K of coverage. GerberLife shows a 100K 10 yr term policy for approx $2700/year although that may not be a valid comparison. Yes, that is the total COI for the year, for a $155k policy. As you explain it, it does seem ...
by BolderBoy
Sun Mar 25, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life Policy - Cash in or not?
Replies: 19
Views: 1431

Re: Whole Life Policy - Cash in or not?

Your friend is not paying premiums directly but every year the COI (cost of insurance) is being debited from the cash value. The COI starts to increase rather rapidly in your 60s. The annual interest may exceed that for now but probably not much longer. As several others have suggested, someone nee...