Bogleheads.org

Mobile? why would an asset allocation issue be so urgent that it needs to be done via cell?

$400 is way too much for someone to make when they are just on stand by, "just in case" something goes wrong before your doctor got there. Just to give you an example, I work in a brand new hospital that cost about $700 million to build. There's just a little overhead that comes with a ho...

What would you do? I am in a very good position to continue making $600K+/year until retirement- but sometimes the BS from this "job" gets unhealthy. We've saved over $1M and have another $1.5M in real estate. No debt. We spend about $60K a year and I know we're not going to upgrade our s...

I have a few ideas: 1. Put together a job structure proposal for your manager that shows a 4 day/week job that you can actually get done AND that still solves a problem your employer needs solved. That's win-win - especially considering that an employer must hire and train someone new. BTW - I highl...

$400 is way too much for someone to make when they are just on stand by, "just in case" something goes wrong before your doctor got there.

The emergency room in the same hospital was also there "just in case" but you didn't have to pay a cent to have that option open to you.

Don't make it complicated. You don't need a plan, scheme, approach or suggestions.

Just ignore it.

Last post on this - we likely aren't going to agree. If you want to continue - feel free to PM me. A temp or contractor is employed by company A to do work for company B. A PEO is employed by company A to do work for company B. The only reason that companies seem to do this is tax arbitrage for SUT...

I read the PEO link. It is basically another name for a temp or contractor. Temps are paid by one company and do work for another. It's a temp. "Co-employment" must confer the ability to not have to use "temp" on your resume in the future. Anyway, the OP would need a break in em...

I think people are confused as to whether you are talking about getting either (1) Vanguard options in your retirement account, or (2) if you actually want to have VG be your Third Party administrator for your plan. It seems like you are suggesting #2 - though I am not sure why. There are plenty of ...

Why bother with the boglehead site/philosophy at all - if you aren't going to implement it?

If what you are really asking is what the boglehead approach would be to your situation, then such a question would likely be more actionable for you.

Um - I work in the staffing and consulting industry. I have heard the arrangements called (1) contracts, (2) vendor contracts, (3) temporary employees, or (4) independent contractors. After 5+ years doing this - I have never heard that arrangement called "co-employer". Ever. So, if the OP...

What is your split of investing "space" between taxable and tax advantaged accounts? What is your projection for that split over time - meaning do you expect tax advantaged to grow, taxable to grow, or the ratio to remain about the same? One thing you lose by having all equity in 1 fund -...

Well, considering this part of the OP post made no sense "because both companies use the same coemployer" - I have no idea what a coemployer, let alone what both companies using one would mean. So, if the OP changed jobs between 2 companies - that is usually grounds for doing a rollover. ...

I left my job, had two weeks off and started a new job. I want to rollover my 401k from my previous job but i'm told that i can't because both companies use the same coemployer. I'm told that as far as the IRS is concerned, I have the same job. Is there anything that can be done about this BS? Make...

Don't click on anything - ANYTHING - of which you are not 100% sure of its source.

That makes these phishing emails moot.

nzk wrote:I have done better in stocks with no stress/headaches.

Seems to me you know what the right decision is - given this part of your post.

One thing you lose by having all equity in 1 fund - is the ability to preferentially place international funds in taxable - to take advantage of the Foreign Tax Credit. If most or nearly all of your investments are in and WILL BE IN tax advantaged accounts, then this is not a huge issue. If you are...

I'm not sure the issue is being framed very clearly. 1) An individual who wants to buy a specific item in a specific auction needs to enter a bid that automatically increments to their maximum price. 2) If all buyers behave that way, markets operate at their most efficient. 3) In a particular aucti...

What is your split of investing "space" between taxable and tax advantaged accounts? What is your projection for that split over time - meaning do you expect tax advantaged to grow, taxable to grow, or the ratio to remain about the same? One thing you lose by having all equity in 1 fund - ...

I get very agitated at ER's over .5%. I much prefer seeing the Admiral expense ratios (or even better the institutional ER's in 401k funds). I have one ETF - DLS - Wisdom Tree Int'l Small Cap Div - at .58% ER. This is (or was) one of the few options in the small cap-ish value-ish asset class, outsid...

I was instructed to endorse it as follows:

"For Deposit Only
VG Account: ####-############"

Where the first 4 numbers are the "Fund" and the last sequence of numbers is your "Account".

I completely fail to understand what advantage you supposedly gain from waiting until the last few seconds. Statistical analysis has proven it with a very high degree of confidence and consistency. Placing an $X bid in the last second is much more likely to result in winning, and at a lower price, ...

Equity is 50/50 domestic (US) and International. But, I would have been comfortable with international equity as a percent of total down to 30%. The information I read when setting IPS was an even split provided good diversification and leaned away from home country bias. However, 50% of the equity ...

I completely fail to understand what advantage you supposedly gain from waiting until the last few seconds. I just bid the amount I am willing to pay at the time when I see the item... and forget about it until the auction has finished. In Ye Olde Days when your bid was visible, which I think must ...

Toons wrote:I quit bidding and waiting ,I use "buy it now"

Definitely my preference also.

Lots of "fake" bids on ebay. People either have pseudo accounts to jack up the price or have friends to bid. If a fake bid win the buyer simply does not pay and the item is re-listed. On one item in particular - I think this is happening. The first couple auto bids took the price up too h...

I have been finding auction bids/purchases on a Ebay to be frustrating lately - so wonder how others bid for Ebay items. Any small amount of research indicates that the best strategy for everyone involved is to wait until the last few seconds of the auction - and then put in an automatic bid with th...

Just to clarify. There is good reason to potentially own funds of various asset classes. The reason is that those funds can have a positive impact on risk / return in a portfolio. Many of "those" asset classes indeed outperform the S&P, in fact the S&P is one of the lower performi...

I left my job, had two weeks off and started a new job. I want to rollover my 401k from my previous job but i'm told that i can't because both companies use the same coemployer. I'm told that as far as the IRS is concerned, I have the same job. Is there anything that can be done about this BS? Make...

Why would we compare a Mid Cap Value fund against the S&P 500?

If it is truly your choice - I would choose "Plan C" with Employee Fiduciary as the TPA. Both of the plans you outlined above are more expensive than need be. Personally, I would target a fully loaded expense ratio (100% of plan costs, including company paid fees, employee paid fees AND av...

Keep in mind that a company may recoup administrative fees that they have "picked up". They may simply pay lower wages that in their view "recoup" the added expense of the 401k. So, identifying who is "cutting the check" or having their account hit for the fee, doesn't ...

I'll take it even further. Parents (and indeed all people) are autonomic beings that have responsibility for themselves. I have not obligation to assist anyone in filling out medicare forms. A label of "Parent" should not be sufficient to force me to fill out those forms anyway. I may wan...

Sorry, here is the link to the case of the florida resident being sent a bill for a parent in Philadelphia. http://www.aarp.org/relationships/caregiving/info-01-2009/paying_for_momlittle_known_laws_force_families_to_fund_parents_care_.html I thought I had linked this article above - but it was one ...

I previously made an off-hand comment about this but am now wondering... If mom is a deadbeat and lives in a state WITH filial support laws and I live in a state across the country WITHOUT filial support laws, is there anything mom's state can do to me? Doubtful. That's the exact scenario in the st...

I previously made an off-hand comment about this but am now wondering... If mom is a deadbeat and lives in a state WITH filial support laws and I live in a state across the country WITHOUT filial support laws, is there anything mom's state can do to me? Doubtful. That's the exact scenario in the st...

I read the article and it seems this is being used in a couple states where adult kids a) help themselves to all their parents income and assets and/or b) where the indigent parent refuses to apply for Medicaid and the adult child refuses to help in that process. Sounds like a good use of the law i...

Once upon a time, this site was a good place to go for serious financial discussions. This thread began with a serious and interesting question. Most of the early replies addressed the question. It then degenerated into pointless comments only of interest to the person who wrote them and criticisms...

Part of the responsibility of payroll departments and payroll companies (outsourced) is to enforce and communicate the limits that effect payroll - including the individual limits on 401k contributions. But, the reality is that if an over contribution is made - the individual is on the hook for corr...

Go with a guitar or something less expensive. Really good examples of electric and acoustic guitars can be had on Craigslist for $300. If the kids don't use them, they will keep their resale. They are portable so the kids can take them to play with others. I think that beats having a big piano moved...

IronMind has a nice article on an easy way to build a great lifting platform . And there's nothing like having a good bench. Blues features the IronMaster Super Bench in his photo and I have never heard anything negative about it. Another one I'm partial to is the IronMind 5-Star Flat Bench , which...

Wow. Just did a search of filial support laws. Extremely eye opening and a financial risk that I have never seen discussed on this board. OP - I think it is well worth investing an hour with a lawyer familiar with these matters and understand your legal and financial exposure. Sounds like your dad ...

Negotiate and make a counter offer. and, I assume the $1200 is for the whole plan to move? btw - I have never seen a 401k plan from either Paychex or ADP that was any good. Usually, high cost. If you are switching 401k plans anyway - you may as well assess the options out there for low cost plans - ...

I have both powerblocks and the ironmaster. The powerblocks are far, far superior. Great comments from everyone so far. The ironmasters are marketed as quick change - but they really aren't that fast. I would go with powerblocks. I've seen this comment before, that is that the IronMasters can't be ...

I like the Blast Strap idea by the way... I might have to consider those. They work extremely well. And, they are durable - mine have lasted for 4 or so years of use with no damage to the straps or hardware - other than a little bit of the chrome coming off the handles. And, Elitefts has them on sa...

We would lose business if we charged upfront fees and management fees because our competitors do not. The only way to recoup our sunk cost is with management fees over time. We have considered some sort of minimum fee at termination if a client quits within the first year, but we haven't done that ...

Very few client's have "abused" me in this way over the years, but it has happened. We spend many, many hours up-front working with people on the good faith that when they hire us they're going to stick around for a few years so I can make a return on the large time investment on the fron...

Leonard oh my what hostility in your tone. Perhaps too much time in front of the computer. FWIW My rebalancing strategy comes from Jim Otar's research which suggested that primarily due to momentum, rebalancing more frequently than every four years was counterproductive. Also per his research picki...

Some organizations will look down on moving from manager to individual contributor. Others don't care. Only you know how much your organization looks for the full on Type A - never back down from a challenge - personality. As much as I hate it - I would suggest playing a bit of office politics on th...

Wow. Just did a search of filial support laws. Extremely eye opening and a financial risk that I have never seen discussed on this board. OP - I think it is well worth investing an hour with a lawyer familiar with these matters and understand your legal and financial exposure. Sounds like your dad i...