Search found 3987 matches

by BolderBoy
Wed Sep 19, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3686
Views: 1057126

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: 40
Views: 2871

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: 44
Views: 3208

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: 2198

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: 663

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: 3694

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: 490

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: 2857

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: 2857

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: 431

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: 528

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: 5051

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: 996

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: 23
Views: 2300

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: 2348

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: 2204

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: 1170

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: 933

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: 1499

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: 6356

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: 669

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: 11181

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: 874

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.
by BolderBoy
Tue Aug 28, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: How to Pass on Money Against My Sister's Wishes (Ethics and Finance)
Replies: 74
Views: 7419

Re: How to Pass on Money Against My Sister's Wishes (Ethics and Finance)

stargazer wrote:
Mon Aug 27, 2018 7:56 pm
the funds are held in a credit union account, titled John Smith ITF Susan Jones.
Presumably "ITF" means "In Trust For". Is it actually in a trust? If not, does this titling designation have any force of law whatsoever?
by BolderBoy
Mon Aug 27, 2018 2:41 pm
Forum: Investing - Theory, News & General
Topic: Any metrics that say US Stocks are *NOT* expensive?
Replies: 70
Views: 4635

Re: Any metrics that say US Stocks are *NOT* expensive?

I keep reading about how expensive US Equites are by every measure. The most alarming ones are the historical-basis ones, like CAPE, "equity risk premium", price/cash flow over time, etc. But are there any metrics under which US Equities are *not* expensive? I have zero idea if "stocks" are expensi...
by BolderBoy
Mon Aug 27, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to jump in. My investment plan
Replies: 9
Views: 775

Re: Ready to jump in. My investment plan

jeam3131 wrote:
Mon Aug 27, 2018 1:40 pm
Does this plan seem reasonable? Anything I am overlooking?
Looks good to me and I 2nd Misenplace's suggestions.
by BolderBoy
Mon Aug 27, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review & LARGE Tax Loss Harvesting Question
Replies: 8
Views: 372

Re: Portfolio Review & LARGE Tax Loss Harvesting Question

My inclination is to move ahead with the plan to convert all of the balance to FSKAX & FTIHX, and enjoy a lifetime of TLH. Am I right to be thankful for what we have, do what needs to be done, and don't look back? I need someone to tell me it is ok... It isn't like these two stocks are going to rec...
by BolderBoy
Sun Aug 26, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff?
Replies: 27
Views: 2593

Re: Mortgage Payoff?

Thanks for the replies so far. To answer a few questions: The ARM can be paid off in full at any time. In the Fall of 2022 the rate will change from 3% to a maximum of 5%, and can change annually thereafter limited to 2% changes in rate. I will have long term capital gains in my brokerage account i...
by BolderBoy
Sun Aug 26, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Driving as a side gig, not Uber/Lyft/taxi, in my spare time
Replies: 18
Views: 1506

Re: Driving as a side gig, not Uber/Lyft/taxi, in my spare time

Give your local, high-end (luxury), auto dealerships a call and see if they'll hire you part-time. My local Mercedes dealership's drivers make regular runs up to Vail, Aspen, Ft Collins, Cheyenne, etc, to retrieve and return autos needing service. To say nothing of the dozens of daily runabout picku...
by BolderBoy
Sat Aug 25, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: 100% in Tech index funds or ETFs?
Replies: 10
Views: 816

Re: 100% in Tech index funds or ETFs?

schrute wrote:
Sat Aug 25, 2018 12:06 pm
I have some cash that's 100% in a materials stock that looking to sell soon. I had thought about putting 100% into a tech ETF or mutual fund (i.e. VITAX, VGT, FDN) for a few years.
Are you familiar with the "tech wreck" of 2000? Diversify!
by BolderBoy
Fri Aug 24, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Young Pharmacist With No Clue What To Do
Replies: 32
Views: 3099

Re: Young Pharmacist With No Clue What To Do

Strayshot wrote:
Fri Aug 24, 2018 7:27 am
https://www.bogleheads.org/wiki/Priorit ... nvestments

Will help you figure out what accounts you should contribute to in what order.

I would max your Roth, max your workplace 401k at the 18500 limit, and put anything remaining towards your loans.
+1. This is the way I would do it, too.
by BolderBoy
Thu Aug 23, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Test your cognitive biases
Replies: 89
Views: 5262

Re: Test your cognitive biases

I flunked it - really bad.

Should I send my PhD back?
by BolderBoy
Mon Aug 20, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: File a claim for $750 worth of car damage?
Replies: 17
Views: 899

Re: File a claim for $750 worth of car damage?

R2D2 wrote:
Mon Aug 20, 2018 10:00 am
So as for my hypothetical: If Beth had totaled the car, what would happen? Would Beth's insurance cover it? Adam's insurance? If it's the latter, would Adam's rates go up?
1. Insurance usually follows the car.
2. Maybe ultimately.
3. Yes, Adam's insurance is the first line.
4. Maybe.
by BolderBoy
Sun Aug 19, 2018 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: The more I learn the less I know: general checkup, lots of questions.
Replies: 19
Views: 2674

Re: The more I learn the less I know: general checkup, lots of questions.

7. General anxiety about future. Planning for the uncontrollable or unnecessary worry? I wonder what happens when all the Boomers retire and take all their money out of the market. Supply and demand: Boomers all sell, prices of funds go down, so portfolio declines, and... then what? Has anyone see ...
by BolderBoy
Sun Aug 19, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 108
Views: 6581

Re: PCP Wants Full Charge Up Front

this often has to do with high-deductible health plans. If you have a $20 copay but have not met your deductible, you are responsible for the full amount after any insurance discounts. Some doctors are not collecting any money besides the copay from patients on high-deductible plan because they dec...
by BolderBoy
Sat Aug 18, 2018 6:11 pm
Forum: Investing - Theory, News & General
Topic: Bullish/bearish on GE? Make your case here - new lows today
Replies: 60
Views: 5072

Re: Bullish/bearish on GE? Make your case here - new lows today

Please offer your bull/bear case on the forward ROE I own VTSAX, the Vanguard Total Stock Market Index Fund. It owns some GE stock. Therefore, I own some GE stock. If it makes money, I make money on it. But my risk of owning GE stock is diversified since VTSAX owns shares of all publicly traded com...
by BolderBoy
Sat Aug 18, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: UPDATE: Credit Card Fraud - $30K
Replies: 57
Views: 6564

Re: Credit Card Fraud - $30K

munemaker wrote:
Sat Aug 18, 2018 1:35 pm
Prokofiev wrote:
Sat Aug 18, 2018 1:22 pm
I do not want to write a $30k check for this!
No way that will happen. You are protected by law.
Also, credit card fraud is a fraud against the CC company, not you. To the CC company you are merely a means to an end - making money.
by BolderBoy
Thu Aug 16, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 151
Views: 14668

Re: As an American, where are some great places in the world to retire?

VictoriaF wrote:
Wed Aug 15, 2018 4:47 pm
It sounds like you have never windsurfed in a tux and high heels.
You're a class act, Victoria.
by BolderBoy
Wed Aug 15, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Help with inheritance choice
Replies: 38
Views: 3501

Re: Help with inheritance choice

Newtothis wrote:
Wed Aug 15, 2018 2:45 pm
Any suggestion on which choice to go with? Pre tax TIAA account or bank CD?
The bank CD. It's worth more.
by BolderBoy
Wed Aug 15, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 151
Views: 14668

Re: As an American, where are some great places in the world to retire?

jazman12 wrote:
Tue Aug 14, 2018 3:38 pm
COLORADO is a great place! :happy
Shhhh!

Terrible place. Altitude is so high you can barely breathe and it snows 10 months out of the year.
by BolderBoy
Tue Aug 14, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Why bonds when they return nothing over inflation?
Replies: 31
Views: 5069

Re: Why bonds when they return nothing over inflation?

People tend to say that cash is not an investment. If that is the case and bonds are returning the same (both the same as inflation), I don't see how exactly bonds can be considered an investment. Am I missing something? Probably not missing much. Instead of strictly thinking about cash and bonds a...
by BolderBoy
Tue Aug 14, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Travel over thanksgiving holiday, drive or fly?
Replies: 50
Views: 2470

Re: Travel over thanksgiving holiday, drive or fly?

shel wrote:
Tue Aug 14, 2018 9:55 am
Under circumstances you have given, I just wouldn't go. Second advice, give regrets, send present.
I'm with shel on this. Stay home.
by BolderBoy
Sun Aug 12, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: personal injury lawsuit
Replies: 25
Views: 2635

Re: personal injury lawsuit

Are these contracts pretty standard? Am I expected to negotiate? I hope to focus my energies on recovery, so I wish to be as uninvolved in the lawsuit as possible... IANAL. I did a lot of medical malpractice case review and expert witnessing over the decades. Common wisdom: if they will take the ca...
by BolderBoy
Sun Aug 12, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review, Age 31, $1.5 million net worth
Replies: 38
Views: 8173

Re: Portfolio Review, Age 31, $1.5 million net worth

You still need an executor to be able to do stuff like get a death certificate, dispose of the body, etc. The "appointment" of an executor is a judicial act. If a Will is not presented and accepted for probate, there is no executor appointed. This does not mean that someone (personal representative...
by BolderBoy
Sat Aug 11, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off last student loan?
Replies: 8
Views: 762

Re: Should I pay off last student loan?

Deighve wrote:
Sat Aug 11, 2018 3:43 pm
Thank you for your responses!
It’s funny, I had been thinking about it a lot but it wasnt until I typed out the question that it became clear what to do. I am paying it off this weekend and happy about the decision!
Congratulations. You are doing the right thing. May you have a prosperous life.
by BolderBoy
Thu Aug 09, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Employer will not indemnify me cause I am retired
Replies: 56
Views: 5501

Re: Employer will not indemnify me cause I am retired

We were told that the district will not indemnify retired members. The other member resigned immediately. You should, too. I am not quitting. My umbrella insurance agent said that I was not liable because I am a volunteer, nonpaid, and most importantly, our committee has no power to make decisions....
by BolderBoy
Thu Aug 09, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Help to evaluate Job Offer
Replies: 27
Views: 1911

Re: Help to evaluate Job Offer

JHU ALmuni wrote:
Wed Aug 08, 2018 8:11 am
Would you take such an offer? I'm 35 years old and will be working for the next two decades.
No, not in this case. But I'd keep looking for a position that offers what you want in an upwardly mobile environment.
by BolderBoy
Thu Aug 09, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Junk Mail
Replies: 28
Views: 2672

Re: Junk Mail

I just used the link for the DMA.org list to update my deceased mothers info to remove her name from mailing lists. When I forwarded her mail to my address I assumed I would only get her first class mail forwarded. Nope! I started getting all her junk mail with my address! She was on every catalog ...
by BolderBoy
Mon Aug 06, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review, Age 31, $1.5 million net worth
Replies: 38
Views: 8173

Re: Portfolio Review, Age 31, $1.5 million net worth

I had a wealthy uncle who died intestate with no next of kin. He left several of his accounts TOD to my kids. It was an incredible gift but a major hassle. Why? TOD/BOD/POD is the preferred, no-hassle method of transferring assets out of an estate. If the OP can structure his estate such that every...
by BolderBoy
Sun Aug 05, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 10215

Re: Few weeks into new job recieved significantly better offer elsewhere

This sounds like a 'bird in the hand vs two in the bush'. Your present position is full-time, employed. The offer you are looking at is contract-to-employee, potentially. As a contractor you have essentially zero employment rights. You could take that contract job and in 6 months be out of work. I'd...