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Re: Been out of market since 2008 and can't get back in

If it's true that you will not need these retirement assets and they're only for your heirs and we're talking about a 30+ year time horizon, I agree with the idea of just putting them in a single stock index. While the Vanguard Total Stock Market Index would be a fine idea, I think an even better id...
by Bfwolf
Wed Nov 26, 2014 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Been out of market since 2008 and can't get back in
Replies: 52
Views: 4907

Re: Being woken up by neighbors above me

I genuinely appreciate everybody's thoughts. I am going to try the earplugs. I have a box of those Leight Sleepers already...I have a hard time sleeping with earplugs (I'm a side sleeper, and don't like the sensation of the ear plugs being pushed up against me when I put my head on the pillow), but ...
by Bfwolf
Wed Nov 26, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Being woken up by neighbors above me
Replies: 72
Views: 4220

Re: Being woken up by neighbors above me

As an aside, I do try to walk on the balls of my feet in my own apartment to spare the folks below me from the same problem, especially late at night.
by Bfwolf
Wed Nov 26, 2014 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Being woken up by neighbors above me
Replies: 72
Views: 4220

Re: Being woken up by neighbors above me

I actually rented a top floor unit (the unit above the unit above me now) in this building for 7 years until the owners sold it. If they hadn't sold it, I'd still be living there today, and the folks I'm complaining about might be complaining about me! As for what they can do about it, I imagine the...
by Bfwolf
Wed Nov 26, 2014 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Being woken up by neighbors above me
Replies: 72
Views: 4220

Re: Being woken up by neighbors above me

Maybe I just need to prepare a speech for the next time I see them in the elevator (which seems like hardly ever, but it's bound to happen some time over the next few months). That way it doesn't seem like I'm confronting them by going up and knocking on their door. And we've got a slow hydraulic el...
by Bfwolf
Wed Nov 26, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Being woken up by neighbors above me
Replies: 72
Views: 4220

Being woken up by neighbors above me

I live in a loft style condo in a mid-rise building. I like to sleep in until 10, but every morning around 7, I am woken up for 30 to 60 minutes by my upstairs neighbors walking around in their apartment, presumably getting ready for work. I think they are probably walking around barefoot--it's a du...
by Bfwolf
Wed Nov 26, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Being woken up by neighbors above me
Replies: 72
Views: 4220

Re: Why wouldn't I [contribute to an after-tax 401k w/ rollo

You can roll it over directly to a Roth. Sure you can but you owe taxes on any earnings rolled in with the basis. Right, but usually plans allow for enough frequency of the rollovers (I've never heard of a limitation more onerous than once a year) that the earnings don't amount to much, especially ...
by Bfwolf
Wed Nov 26, 2014 2:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Why wouldn't I [contribute to an after-tax 401k w/ rollover]
Replies: 12
Views: 774

Re: Been out of market since 2008 and can't get back in

Can you please address the other questions brought up? Are you really making $1MM+ a year and only saving $50K of it? Why would you not need this money in retirement? What is going to pay for your retirement? And what would this money be used for then? Without answers to these questions, advising yo...
by Bfwolf
Wed Nov 26, 2014 2:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Been out of market since 2008 and can't get back in
Replies: 52
Views: 4907

Re: Bumped out of first class at boarding - compensation?

I think it would be reasonable for them to refund your miles, essentially making your flight free. They did still get you there after all, and one of your segments was still first class. Nonetheless, flying first class is exciting, and when you have a confirmed ticket like that, being bumped is a ve...
by Bfwolf
Tue Nov 25, 2014 1:09 am
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 41
Views: 4131

Re: Huge salary increase...looking for guidance

Is the $3MM a year salary coming from your own company? If so, I would strongly caution against reinvesting this money into your company, regardless of how well you know it. If things go South for your company, you would lose the salary AND the investment. It's basically the same logic that says don...
by Bfwolf
Mon Nov 24, 2014 8:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Huge salary increase...looking for guidance
Replies: 26
Views: 3286

Re: Selecting Charities for Donation

They don't care about administrative costs. They care only about impact to the people the charity is trying to help, and in measuring the impact with dependable studies. Curious as to why they don't care about administrative costs? Two charities with the same measurable impact to people. If one had...
by Bfwolf
Fri Nov 21, 2014 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selecting Charities for Donation
Replies: 55
Views: 3332

Re: How To Invest Your Emergency Fund?

I have hundreds of thousands of dollars of intermediate-term, investment grade bond funds in my 401k. If I need to tap into the stock funds in my taxable account, I can move the bonds in my 401k into stocks to compensate.
by Bfwolf
Fri Nov 21, 2014 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: How To Invest Your Emergency Fund?
Replies: 84
Views: 10312

Re: TSM vs S&P500

The only reason I can think of to buy the S&P 500 over TSM is you don't like tracking error as many folks "follow" the S&P 500.

But really, you should get over it and just buy TSM.
by Bfwolf
Fri Nov 21, 2014 1:41 am
 
Forum: Investing - Theory, News & General
Topic: TSM vs S&P500
Replies: 19
Views: 2002

Re: How To Invest Your Emergency Fund?

I keep about 1 month in checking with the rest invested in taxable according to my AA (80/20) which is about 4-5 years of expenses. This is by far my favorite plan. Years ago when I had less savings than I do now, I also subscribed to the idea that Emergency Fund needs to be liquid in a savings acc...
by Bfwolf
Fri Nov 21, 2014 1:24 am
 
Forum: Investing - Help with Personal Investments
Topic: How To Invest Your Emergency Fund?
Replies: 84
Views: 10312

Re: Selecting Charities for Donation

+1 for givewell.org. They take the unique approach that until proven results can be shown, a charity is not worth supporting. They don't care about administrative costs. They care only about impact to the people the charity is trying to help, and in measuring the impact with dependable studies. They...
by Bfwolf
Thu Nov 20, 2014 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selecting Charities for Donation
Replies: 55
Views: 3332

Re: Received an inheritance, clueless as to what to do with

Steven, to answer some of your questions: Yes, you can rollover your 401k from Fidelity into a Vanguard IRA. You need not feel foolish calling Vanguard Concierge just because you don't know a lot. That's their job. However, I will echo the advice you've heard several times about not doing any invest...
by Bfwolf
Wed Nov 19, 2014 6:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Received an inheritance, clueless as to what to do with it.
Replies: 29
Views: 4133

Re: Quit Cobra to go on Obamacare?

You are probably better off with the Bronze plan, BUT take a look at the provider directory and make sure you find the network acceptable. The really cheap plans often have very limited networks.
by Bfwolf
Tue Nov 18, 2014 11:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quit Cobra to go on Obamacare?
Replies: 23
Views: 2879

Re: [Should I] rent out [my] house [for a 3-day event]?

I guess we shall agree to disagree.
by Bfwolf
Tue Nov 18, 2014 11:19 pm
 
Forum: Personal Consumer Issues
Topic: [Should I] rent out [my] house [for a 3-day event]?
Replies: 68
Views: 4089

Re: [Should I] rent out [my] house [for a 3-day event]?

My point is that while Airbnb probably won't help you if you get sued for a liability issue, the odds of getting sued for a life-changing amount are extremely remote. We all take risks every day. Many are truly life-threatening (e.g. driving a car). Just because something bad COULD happen if we take...
by Bfwolf
Tue Nov 18, 2014 11:05 pm
 
Forum: Personal Consumer Issues
Topic: [Should I] rent out [my] house [for a 3-day event]?
Replies: 68
Views: 4089

Re: [Should I] rent out [my] house [for a 3-day event]?

Here is the article from 2012. http://www.nytimes.com/2012/04/21/your-money/home-insurance/home-sharing-dont-overlook-your-liability-your-money.html?pagewanted=all "Let’s address the odds first. In the four years since Airbnb opened for business, it says it has not heard about a single liabilit...
by Bfwolf
Tue Nov 18, 2014 10:41 pm
 
Forum: Personal Consumer Issues
Topic: [Should I] rent out [my] house [for a 3-day event]?
Replies: 68
Views: 4089

Re: [Should I] rent out [my] house [for a 3-day event]?

I would still like to hear from some of our posters here in the insurance business. Please weigh in how an owner carrying a standard HO-3 or HO-4 policy in the Keystone State should go about protecting herself/her property from liability/damages if entering into such an arrangement. :?: I am almost...
by Bfwolf
Tue Nov 18, 2014 10:26 pm
 
Forum: Personal Consumer Issues
Topic: [Should I] rent out [my] house [for a 3-day event]?
Replies: 68
Views: 4089

Re: getting paid for Excel work

Set up a Google Hangout with him. Share your screen. Show him the work in Excel. Assuming he's satisfied, he will send you the money and you will email him the file.
by Bfwolf
Tue Nov 18, 2014 8:29 pm
 
Forum: Personal Consumer Issues
Topic: getting paid for Excel work
Replies: 9
Views: 2061

Re: [Should I] rent out [my] house [for a 3-day event]?

I am genuinely surprised by how many people absolutely recoil at the idea of renting their home out and act like $3K is small potatoes. Many people on this forum will jump through hoops to save a couple hundred dollars. And the OP wants to leave town anyway! The chances of something really going wro...
by Bfwolf
Tue Nov 18, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: [Should I] rent out [my] house [for a 3-day event]?
Replies: 68
Views: 4089

Re: Received an inheritance, clueless as to what to do with

Steven, welcome to the forum. I am very sorry for your loss. Your grandparents sound like they were great folks. It's hard to know where to get good financial advice, but as z3r0c00l said, this forum is the final word on investing. The Boglehead philosophy is highly rational, yet also humble: we ack...
by Bfwolf
Tue Nov 18, 2014 1:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Received an inheritance, clueless as to what to do with it.
Replies: 29
Views: 4133

Re: Could you rent out your house?

I would do it and wouldn't give it a second's thought.

If you want to gain some assurances for a modest fee, you could conduct the transaction through airbnb to obtain a security deposit as well as their $1,000,000 host guarantee. https://www.airbnb.com/help/article/279
by Bfwolf
Mon Nov 17, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: [Should I] rent out [my] house [for a 3-day event]?
Replies: 68
Views: 4089

Re: 1276% toll admin fee from Dollar.

One of the real problems with these kinds of contracts is the asymmetry between the company and the individual in terms of ability to put time into understanding them. For the company, this is a one-time investment of time by an expert attorney. As individuals, we are confronted with these things al...
by Bfwolf
Mon Nov 17, 2014 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1276% toll admin fee from Dollar.
Replies: 89
Views: 7947

Re: Taylor Larimore, My Favorite Teacher

What an amazing tribute! Taylor, you have touched many people's lives.
by Bfwolf
Mon Nov 17, 2014 1:17 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor Larimore, My Favorite Teacher
Replies: 13
Views: 2033

Re: Advice for Another Mother

I liquidated everything and bought VTINX at Vanguard. Everything is much simpler now. The only thing I'm unclear about now is if the Cost Basis method matters. I know normally Average Cost Basis is used for mutual funds and that's what I selected. I've read the wiki, and a bunch of other pages on t...
by Bfwolf
Mon Nov 17, 2014 12:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice for Another Mother
Replies: 14
Views: 2176

Re: Where does HSA money go?

Then you can no longer contribute new funds. But you keep what you have.
by Bfwolf
Mon Nov 17, 2014 12:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Where does HSA money go?
Replies: 7
Views: 1213

Re: 1276% toll admin fee from Dollar.

What a crummy scam, madbrain. I am glad you were able to get the charges removed. I find it humorous that there are a couple of folks here who say "well, it was in the rental agreement." I mean, do you guys actually sit there and read through every line item on the rental agreement before ...
by Bfwolf
Sun Nov 16, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1276% toll admin fee from Dollar.
Replies: 89
Views: 7947

Re: First post - Advice on Obamacare HSA

I use HSA Bank and have been very happy with them. Their fees have at times been the lowest available...sometimes somebody will undercut them but not by much, and then changed their fee structure. I believe HSA Bank is likely in it for the long haul with something close to their current fee structur...
by Bfwolf
Sun Nov 16, 2014 1:07 am
 
Forum: Personal Finance (Not Investing)
Topic: First post - Advice on Obamacare HSA
Replies: 7
Views: 723

Re: Landlord wants us to sign an entirely new contract!

I agree with Alex. It would be one thing if you guys had previously discussed that these items would be your responsibility and the contract said otherwise. But you negotiated in good faith BASED on the contract which said it was the landlord's responsibility. Now the landlord is saying there was a ...
by Bfwolf
Sat Nov 15, 2014 1:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Landlord wants us to sign an entirely new contract!
Replies: 51
Views: 5859

Re: Dealing with pressure for "social donations" at work

I think pro-rating it is a fine solution for this year. I expect everybody will understand. Next year though, I'd be prepared to pay the whole enchilada. I was at one of those companies where there was forced voluntary United Way donations, which I feel is equally ridiculous as forced voluntary bonu...
by Bfwolf
Thu Nov 13, 2014 5:17 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 167
Views: 9412

Re: Health Insurance Question (Specialist Deeme"Out of Netwo

What a crummy situation! I am not a physician, but I would recommend sending both the doctor and United a snail mail letter that you keep a copy of immediately outlining the issue and what's been agreed to so far. That could prove useful later.
by Bfwolf
Thu Nov 13, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance (Specialist "Out of Network" [error])
Replies: 35
Views: 3359

Re: Made a huge mistake, need help

Still Waters, Welcome to the Bogleheads forum! I'm not sure how you found us, but I have great news. Discovering Bogleheads.org will be a life-altering event for you, and is going to be the catalyst to you enjoying a successful retirement! You've received good advice already, but I'm going to try an...
by Bfwolf
Mon Nov 10, 2014 1:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Made a huge mistake, need help
Replies: 50
Views: 9593

Re: I'm Scared! Vanguard Target Retirement 2015 - What to d

Luannb,

Will your pension commence upon retirement when you're 62?
by Bfwolf
Fri Nov 07, 2014 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: I'm Scared! Vanguard Target Retirement 2015 - What to do!
Replies: 39
Views: 7421

Re: Estimating Future Investment Returns — On a Napkin

You're right, Grayfox, it's a difference in what is assumed and what is being calculated. No argument from me on what the equation is. I suspect that one driver of the low dividend rate (vs historical norms) is the low inflation rate. But I think that is only part of the story, and that businesses h...
by Bfwolf
Thu Nov 06, 2014 1:18 pm
 
Forum: Investing - Theory, News & General
Topic: Estimating Future Investment Returns — On a Napkin
Replies: 79
Views: 5735

Re: Estimating Future Investment Returns — On a Napkin

I was reading through this thread and am hoping one of you experts can help me understand something. It seems to me that the approach espoused in this thread (and by Bernstein, and Bogle I guess) for estimating long-term stock market returns is backwards. These approaches start with the current divi...
by Bfwolf
Thu Nov 06, 2014 1:25 am
 
Forum: Investing - Theory, News & General
Topic: Estimating Future Investment Returns — On a Napkin
Replies: 79
Views: 5735

Re: Coupons? Do you live by them?

We seldom see coupons for things we buy. We don't buy items at the grocery store that contain lots of sugar or artificial sweeteners so that rules out most of what I seem to see coupons for. There are very few things I would buy just because I had a coupon for it. With marketers knowing where most ...
by Bfwolf
Sun Nov 02, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: Coupons? Do you live by them?
Replies: 66
Views: 4049

Re: Coupons? Do you live by them?

For people who shop at Walmart, I highly recommend downloading the Walmart app and using the Savings Catcher feature. You scan your Walmart receipt in to the app and it searches all the weekly circulars of every competitive store in your area for lower prices and gives you the difference.
by Bfwolf
Sat Nov 01, 2014 1:43 pm
 
Forum: Personal Consumer Issues
Topic: Coupons? Do you live by them?
Replies: 66
Views: 4049

Re: Job Satisfaction and Risk Tolerance

When one is young, I would imagine job dissatisfaction would push one toward a higher risk AA under the premise of "I can make enough to get out of this rat race earlier." At a young age, you know you have plenty of job changes in front of you, so you wouldn't be worried about being stuck ...
by Bfwolf
Sat Nov 01, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job Satisfaction and Risk Tolerance
Replies: 9
Views: 915

Just how stringent is the fiduciary standard?

I was talking to a friend who uses a Registered Investment Advisor that has a fiduciary responsibility to act in my friend's best interest. This advisor also has an insurance license, and sold my friend and her husband a permanent life insurance policy despite the fact that they are both working pro...
by Bfwolf
Thu Oct 30, 2014 10:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just how stringent is the fiduciary standard?
Replies: 3
Views: 661

Re: Yet Another Post About Health Insurance

I think you've got the general gist right. Your tax bracket would impact things somewhat: the premiums are tax deductible (in favor of the HDHP plus). And then there's the opportunity cost of how much you can invest in the HSA on top of your company contribution (in favor of the HDHP). But overall, ...
by Bfwolf
Wed Oct 29, 2014 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Yet Another Post About Health Insurance
Replies: 3
Views: 409

Re: Men's Personal Hygiene Products

I am very susceptible to razor burn, and Nivea For Men's sensitive post-shave balm has been the most effective product I've found for limiting that. A sharp blade and prepping your beard by washing it in warm/hot water will soften the hairs and using a sensitive skin shaving gel (I use Gillette ser...
by Bfwolf
Wed Oct 29, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: Men's Personal Hygiene Products
Replies: 37
Views: 3111

Re: Arkansas Resident: Arkansas vs Utah 529

Fair point. I also suspect that the fact that a tax break exists keeps money pouring into Arkansas' 529 and is a hindrance to moving to lower fees. i.e. there's no burning platform
by Bfwolf
Wed Oct 29, 2014 10:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Arkansas Resident: Arkansas vs Utah 529
Replies: 3
Views: 355

Arkansas Resident: Arkansas vs Utah 529

I have friends that are moving to Arkansas with their 1 year old who has an existing 529 plan with Utah. They are deciding whether to continue to contribute to the Utah 529 or switch their contributions over to the Arkansas 529 plan. There's a good chance that Arkansas is a temporary destination for...
by Bfwolf
Wed Oct 29, 2014 1:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Arkansas Resident: Arkansas vs Utah 529
Replies: 3
Views: 355

Re: Another PPO vs HDHP thread - enrollment closing...

I'm sorry that you had to agonize over this decision and come to a conclusion in a very short time frame. For what it's worth, I think your thought process was exactly right and you made the correct decision. It's POSSIBLE the PPO will end up the better choice, but it's probably not likely. And as m...
by Bfwolf
Wed Oct 29, 2014 12:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Another PPO vs HDHP thread - enrollment closing...
Replies: 13
Views: 1399

Re: Men's Personal Hygiene Products

I am very susceptible to razor burn, and Nivea For Men's sensitive post-shave balm has been the most effective product I've found for limiting that.
by Bfwolf
Tue Oct 28, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Men's Personal Hygiene Products
Replies: 37
Views: 3111

Re: Buying Salmon Online

Do you have a Costco membership? They sell bags of individually wrapped frozen salmon filets that are very tasty.
by Bfwolf
Tue Oct 28, 2014 9:26 pm
 
Forum: Personal Consumer Issues
Topic: Buying Salmon Online
Replies: 20
Views: 1741
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