Search found 1646 matches

by Bfwolf
Sun Feb 04, 2018 11:53 pm
Forum: Personal Consumer Issues
Topic: Potential employer wants me to give offer - how to respond?
Replies: 63
Views: 5816

Re: Potential employer wants me to give offer - how to respond?

While your approach is better than making the first offer, I feel like you've given them "permission" to lowball you by saying salary won't get in the way. It puts you in a bit of an awkward position to then negotiate when they make you an offer...i.e. salary WILL be getting in the way. Especially g...
by Bfwolf
Wed Jan 31, 2018 11:57 pm
Forum: Investing - Theory, News & General
Topic: Are dividends really the same as capital gains?
Replies: 18
Views: 2565

Re: Are dividends really the same as capital gains?

so in some sense i get that if it's just a matter of owning a little bit more of a company that is worth a little bit less (dividends) or owning a little less of a company that is worth a little bit more (capital gains), but only if there's a direct correlation between a company's money in the bank...
by Bfwolf
Wed Jan 31, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3358
Views: 963856

Re: What Movie Have You Recently Watched?

The Post - This is a movie people seem to love and I merely liked. Streep is great. The actual story isn't nearly as compelling as the Watergate story covered in All the President's Men. The movie has strong feminist undertones--in some parts they are well done, at other times I thought they were he...
by Bfwolf
Mon Jan 29, 2018 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Why would I buy Bonds now?
Replies: 33
Views: 8126

Re: Why would I buy Bonds now?

I think the most difficult thing for newbie bond investors to get their heads around is the idea that the overnight rate in bonds going up does NOT mean prices on longer term bonds will go down. Unexpected increases in the overnight rate are likely to make longer term bonds go down. But on the flip ...
by Bfwolf
Sun Jan 28, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Someone Needs To Pay For What They Did (Advice sought)
Replies: 44
Views: 7581

Re: Someone Needs To Pay For What They Did (Advice sought)

arsenalfan wrote:
Sun Jan 28, 2018 8:50 am
I'd write a thank you to the landlord.
And also put a sticky next to the thermostat "Please Always Leave at XX degrees"
OP, well done!

While I hate to agree with an Arsenal fan, I think a thank you note to your landlord would be a very nice touch.

Come on you Spurs! :)
by Bfwolf
Sat Jan 27, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Getting rid of international funds
Replies: 93
Views: 9907

Re: Getting rid of international funds

OP, glad you stayed the course. International stocks performed very well in 2017.
by Bfwolf
Sat Jan 27, 2018 1:17 am
Forum: Personal Consumer Issues
Topic: Road Trip Denver to Las Vegas
Replies: 12
Views: 983

Re: Road Trip Denver to Las Vegas

I was in Zion in early April in 2016 and the weather was glorious. That's too early in the year to do the famous Narrows hike, but we did Angel's Landing and it was awesome. With kids though, I would only take them as far as Scout's Landing on the hike. Grandparents may not be up for that hike at al...
by Bfwolf
Sat Jan 27, 2018 1:11 am
Forum: Investing - Theory, News & General
Topic: What are some examples of uncompensated risks in international investing?
Replies: 7
Views: 664

Re: What are some examples of uncompensated risks in international investing?

Currency risk is the only thing I can really think of. If you're spending your money in $s, then add'l fluctuations in your investments due to how the dollar performs vs Euros, Yen, Pounds, etc is uncompensated risk. Pretty much all the other risks I can think of with international investing apply e...
by Bfwolf
Fri Jan 19, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: 4k UHD TVs worth it?
Replies: 66
Views: 5053

Re: 4k UHD TVs worth it?

I replaced my 2006 Panasonic Plasma 50" 720P TV with a LG 65" OLED last month. Watching UHD content from Amazon is very impressive. But regular TV from my satellite dish doesn't look any better. If anything, it looks worse because the same so-so resolution now has to go on a bigger screen. I got a s...
by Bfwolf
Fri Jan 19, 2018 2:35 am
Forum: Personal Finance (Not Investing)
Topic: Someone Needs To Pay For What They Did (Advice sought)
Replies: 44
Views: 7581

Re: Someone Needs To Pay For What They Did (Advice sought)

I think you're right to be upset and expect some compensation. Your landlord should not be adjusting the thermostat in your apartment during a maintenance inspection if she's not going to adjust it back. I'd start with sending her the two bills showing the difference between your normal amount and t...
by Bfwolf
Thu Jan 18, 2018 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: 457 worth it with these fees?
Replies: 47
Views: 1566

Re: Formula to determine if Pre-tax is worth Higher Fees

Probably, assuming you'll be in the 12% tax bracket in retirement vs 22% now. Some of it depends on how long you'll keep the money in the 457. The longer you keep it there, the more the fees add up. If we're only talking 5 years before you can roll it over to an IRA, that's not so bad and the lower ...
by Bfwolf
Thu Jan 11, 2018 2:19 am
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to "call in rich"?
Replies: 75
Views: 12397

Re: Is it time for me to "call in rich"?

I agree with everybody else. Do it! You have enough money even WITHOUT SS and your pension. With them, you have OODLES of money. You will find things to occupy your time. Or if you can't, that problem's still going to be there in 2 years. You're finding work tiresome so stop doing it!!!
by Bfwolf
Mon Jan 08, 2018 12:54 am
Forum: Investing - Help with Personal Investments
Topic: Help go from cash to 50/50 AA
Replies: 16
Views: 1392

Re: Help go from cash to 50/50 AA

Here's the tough question: why should you trust yourself to not get spooked and sell during the next downturn? You got spooked when things were going well! I have to question whether you're a good candidate for a 50/50 portfolio if you went to 0/100%. You need to find an asset allocation you can liv...
by Bfwolf
Sat Jan 06, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: As a German: Should I go 100% US stocks?
Replies: 50
Views: 3451

Re: As a German: Should I go 100% US stocks?

I would start with world market capitalization and then account for currency risk by tilting modestly toward stock markets in Euro countries since you will be spending the money in Euros (presumably).
by Bfwolf
Sat Dec 30, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: What is your threshold for paying down debt?
Replies: 89
Views: 5998

Re: What is your threshold for paying down debt?

While debt interest rate may seem low, the risk free rate you could get by investing in US treasuries is also low. If somebody is willing to hold a US 10 year treasury worth 2.4% (because presumably their asset allocation includes some bonds) then it doesn't make sense for them to hold 4% student lo...
by Bfwolf
Mon Dec 25, 2017 11:52 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3358
Views: 963856

Re: What Movie Have You Recently Watched?

I did not care for The Last Jedi. I didn't like The Force Awakens, and I liked this new one even less.

I saw The Shape of Water in the theater today, and despite being stuck in the 2nd row due to the Christmas crowds, I really enjoyed it.
by Bfwolf
Fri Dec 22, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: ACA MAGI planning
Replies: 57
Views: 4998

Re: ACA MAGI planning

The 3 major ways I have for controlling my MAGI: 1) Solo 401k employee contribution 2) Solo 401k employer contribution 3) IRA contribution The latter 2 have an April deadline, but the first one (which is the biggest) has a 12/31 deadline so I am going to sort it out next month and determine how muc...
by Bfwolf
Thu Nov 30, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 149
Views: 17156

Re: A good friend has nearly $1M in BitCoin what do I tell him?

The friend committed $10k to this. Sounds like fun money to the friend. :wink: I'm sure the friend was talking about taking risk with some money, not how much of an extreme athlete the OP is. I'm not sure what normal is either. Maybe I'm not normal to think folks should just mind their own business...
by Bfwolf
Thu Nov 30, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 149
Views: 17156

Re: A good friend has nearly $1M in BitCoin what do I tell him?

Also, please ignore the hater above who was suggesting you are jealous and need to do some self-reflection. Unfortunately, those people almost always show up in these sorts of threads. I'd say you've actually been lucky to have so few. :) Is it normal for one to feel the need to tell others what to...
by Bfwolf
Thu Nov 30, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 149
Views: 17156

Re: A good friend has nearly $1M in BitCoin what do I tell him?

He's a business man and a smart one at that,.... and you're a fireman/paramedic. What do you think you should tell him? :happy I kid, no knock on fire fighter or paramedics. I would tell him..... nothing. Let him do as he pleases with this. Haha. He is a firefighter and a paramedic too. That’s how ...
by Bfwolf
Wed Nov 29, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Why should I donate to my alma mater?
Replies: 133
Views: 9949

Re: Why should I donate to my alma matter?

If you feel you get better bang for your buck out of making charitable donations to other causes, you should do that instead. There's no rule that says you must give to your alma mater. This is true even if you attended on scholarship. My personal opinion is that the way you repay a scholarship is ...
by Bfwolf
Wed Nov 29, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 149
Views: 17156

Re: A good friend has nearly $1M in BitCoin what do I tell him?

If he's a smart business man his point of view may well be that $1M may still not make a huge difference in his overall lifestyle. Yes, that's a nice, tidy sum, but he probably sees the possibility that it could go to $10M or more which would suddenly really change things. If he's a risk-taker and ...
by Bfwolf
Wed Nov 29, 2017 3:24 am
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 149
Views: 17156

Re: A good friend has nearly $1M in BitCoin what do I tell him?

I doubt you're going to convince him, and it may just annoy him since it's unsolicited. His perspective is off though. He doesn't have 10K in Bitcoin anymore. He has $1M. Every day, he is making the decision of whether he wants to have $1M (or whatever the current valuation is) invested in Bitcoin. ...
by Bfwolf
Mon Nov 27, 2017 1:07 am
Forum: Personal Finance (Not Investing)
Topic: Trying to avoid ACA Subsidy failure!
Replies: 18
Views: 1867

Re: Trying to avoid ACA Subsidy failure!

As mentioned above, a Qualified Charitable Distribution from your husband's IRA is the easiest way to reduce your MAGI. Of course, this means giving away money which may not be what you had in mind. But if you give to charity anyway, this is a way to get the donation to reduce MAGI rather than be an...
by Bfwolf
Sun Nov 26, 2017 3:13 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 11707

Re: Didn't buy Bitcoin at $4600

Don't feel bad, I didn't buy Bitcoin at $4,600 either. Probably nobody on this forum did. :)
by Bfwolf
Sat Nov 25, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: TVs: Go for $0 or $300
Replies: 17
Views: 1844

Re: TVs: Go for $0 or $300

by Bfwolf
Sat Nov 25, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: TVs: Go for $0 or $300
Replies: 17
Views: 1844

Re: TVs: Go for $0 or $300

ncbill wrote:
Sat Nov 25, 2017 12:03 pm
old tv.

& please, for the love of all that's HDTV, boycott 60Hz panels...
Not everybody notices or cares about the motion blur of 60 hz displays. For those people, spending less for a 60 hz TV makes perfect sense.
by Bfwolf
Sat Nov 25, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: going out to dinner with friends and how to split the bill
Replies: 86
Views: 5759

Re: Etiquette question: going out to dinner with friends and how to split the bill

My friends and I almost never do separate checks unless the wait staff suggests it as a possibility, but it sure does make things easier. This is only suggested to us when it's clear there's a big group of us at some sort of restaurant bar where we're watching sports or doing a happy hour or somethi...
by Bfwolf
Thu Nov 16, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3358
Views: 963856

Re: What Movie Have You Recently Watched?

A few others I've seen recently: The Killing of a Sacred Deer: Terrible. Don't see it. If I'd known it was from the same director as The Lobster, I would've skipped. But even The Lobster was better than this. Thor: I don't really like superhero movies for the most part (I did love Batman Begins), bu...
by Bfwolf
Tue Nov 14, 2017 12:32 am
Forum: Personal Finance (Not Investing)
Topic: PayPal alternative?
Replies: 47
Views: 2835

Re: PayPal alternative?

kayanco wrote:
Fri Nov 10, 2017 8:55 am
Bfwolf wrote:
Fri Nov 10, 2017 12:42 am
I agree Venmo is better.
Can you please explain better in what way?
Thanks.
Simpler, easier to use. Very intuitive. Don't have to be careful to avoid fees.
by Bfwolf
Fri Nov 10, 2017 12:42 am
Forum: Personal Finance (Not Investing)
Topic: PayPal alternative?
Replies: 47
Views: 2835

Re: PayPal alternative?

The key with this sort of technology is that, like a fax machine, it's completely useless if only 1 person has it, mostly useless if only 2 people have it, and extremely useful if everybody has it. So use the platforms that the people you'll be paying/receiving money use. In my case, that's Paypal a...
by Bfwolf
Fri Nov 10, 2017 12:29 am
Forum: Investing - Help with Personal Investments
Topic: What is a reasonable emergency fund for HI family?
Replies: 67
Views: 4308

Re: The "Emergency Fund" Myth

Bogleheads: Investopedia's definition of an "Emergency Fund": An emergency fund is an account used to set aside funds needed in the event of a personal financial dilemma, such as the loss of a job, a debilitating illness or a major expense. In my opinion, most of us do not need a separate, low-yiel...
by Bfwolf
Wed Nov 08, 2017 2:14 am
Forum: Personal Consumer Issues
Topic: Ideas for a few days in Belfast, NI
Replies: 8
Views: 870

Re: Ideas for a few days in Belfast, NI

I was there a couple of years ago and really enjoyed this tour. https://www.deadcentretours.com/

Crumlin Road Prison was only of moderate interest.
by Bfwolf
Mon Nov 06, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: ACA MAGI planning
Replies: 57
Views: 4998

Re: ACA MAGI planning

Question for those modulating their retirement income to qualify for ACA subsidies. Do you revise your income throughout the year if you find that you’re making more than you had projected (but still under the cliff)? Or do you just sort it out at tax time the following year? The 3 major ways I hav...
by Bfwolf
Mon Nov 06, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: ACA MAGI planning
Replies: 57
Views: 4998

Re: ACA MAGI planning

My plan this year is to buy 2017 tax software next month and create a dummy return. This will allow me to play with a few variables under my control (IRA contribution, solo 401k contribution) to see what gives me the most advantageous tax position. If you didn't want to buy the tax software early, y...
by Bfwolf
Fri Nov 03, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Should I decline Grand Prize trip because of taxes on winnings?
Replies: 98
Views: 10343

Re: Should I decline Grand Prize trip because of taxes on winnings?

I don't follow golf, but I would absolutely go on this trip. ESPECIALLY if it's in Hawaii. I think you'll be surprised by how much fun you have and how cool it is being behind the scenes. In other words, I think you're probably underestimating how cool this trip will be, and after you go you'll say ...
by Bfwolf
Sat Oct 28, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 99
Views: 8278

Re: Is it difficult to switch from an iPhone to an Android?

Years ago, I tried to switch to Android. I'm pretty tech savvy but felt constantly frustrated trying to learn the new OS and returned the Android phone and bought another iPhone.
by Bfwolf
Tue Oct 24, 2017 6:01 pm
Forum: Investing - Theory, News & General
Topic: Why do I need bonds? (I'm 30)
Replies: 70
Views: 7331

Re: Why do I need bonds? (I'm 30)

Here is Market Timer's thread.

viewtopic.php?f=10&t=5934
by Bfwolf
Tue Oct 24, 2017 5:58 pm
Forum: Investing - Theory, News & General
Topic: Why do I need bonds? (I'm 30)
Replies: 70
Views: 7331

Re: Why do I need bonds? (I'm 30)

Ha! Appreciate the effort and time that went into the response - I wasn't actually considering going 100% SC but was more attempting to use it for illustrative purposes. If 100% stocks then why not higher risk than just Total Stock Market? I fully agree with your points, though. Or alternatively, b...
by Bfwolf
Tue Oct 24, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Lastpass on iPhone easy to use?
Replies: 16
Views: 1351

Re: Lastpass on iPhone easy to use?

ERISA Stone wrote:
Tue Oct 24, 2017 4:29 pm
Unless I'm doing it wrong, it's a little annoying. I go back and forth between the app I'm opening and lastpass. I copy/paste the ID/PW between the two apps.
This is what I do too. If there's a better way, I'd love to know.
by Bfwolf
Tue Oct 24, 2017 12:35 pm
Forum: Investing - Theory, News & General
Topic: Why do I need bonds? (I'm 30)
Replies: 70
Views: 7331

Re: Why do I need bonds? (I'm 30)

Ha! Appreciate the effort and time that went into the response - I wasn't actually considering going 100% SC but was more attempting to use it for illustrative purposes. If 100% stocks then why not higher risk than just Total Stock Market? I fully agree with your points, though. Or alternatively, b...
by Bfwolf
Tue Oct 24, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: Popularity of Funds that track the Dow instead of the S&P 500
Replies: 19
Views: 1963

Re: Popularity of Funds that track the Dow instead of the S&P 500

Yeah, I was reading the OP and going "Huh???" The S&P 500 has done tremendously well this year. It's not just sitting there.

Investing in the Dow is a terrible idea. It's poorly diversified. Own the entire market.
by Bfwolf
Mon Oct 23, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: Why do I need bonds? (I'm 30)
Replies: 70
Views: 7331

Re: Why do I need bonds? (I'm 30)

OP, I see that many people are saying you don't need bonds at your age. You will make your own decision, of course, but keep in mind that this advice is being colored by the long bull market we are in. If you had asked this question 5 years ago, when 2008-09 was still relatively fresh and the smalle...
by Bfwolf
Sun Oct 22, 2017 7:23 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3358
Views: 963856

Re: What Movie Have You Recently Watched?

I got Moviepass recently and so am expecting to watch more movies than in the past. I watched 2 last week: 1) American Made starring Tom Cruise. This is about a pilot who gets caught up with the CIA and the drug/guns trade in Columbia/Central America in the 70s and 80s. I enjoyed this and would give...
by Bfwolf
Thu Oct 19, 2017 2:10 am
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 60
Views: 6790

Re: Trash dumped on curb (need advice)

I agree with the posters who say go knock on their door and explain your concerns. What's the worst that can happen? They say no. Then you can go to the HOA/city council/etc. If you were in their shoes, wouldn't you want somebody to come to you first?
by Bfwolf
Tue Oct 17, 2017 10:37 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 549
Views: 57773

Re: TD Ameritrade dropping Vanguard from commission-free ETFs

So are there any funds in here that are worth replacing the Vanguard funds for a 3 fund portfolio?
by Bfwolf
Thu Oct 12, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Going First Class
Replies: 42
Views: 2872

Re: Going First Class

the " tell no one" doesnt work for me re the inheritance. I guess it's a very odd situation to have to tell your friends but I have worked with them for 30 years. There was no one else I would have trusted with the estate. They did a fantastic job. And most have more money than me. I'm a part time ...
by Bfwolf
Thu Oct 12, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Going First Class
Replies: 42
Views: 2872

Re: Going First Class

the " tell no one" doesnt work for me re the inheritance. I guess it's a very odd situation to have to tell your friends but I have worked with them for 30 years. There was no one else I would have trusted with the estate. They did a fantastic job. And most have more money than me. I'm a part time ...
by Bfwolf
Thu Oct 12, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Going First Class
Replies: 42
Views: 2872

Re: Going First Class

the " tell no one" doesnt work for me re the inheritance. I guess it's a very odd situation to have to tell your friends but I have worked with them for 30 years. There was no one else I would have trusted with the estate. They did a fantastic job. And most have more money than me. I'm a part time ...
by Bfwolf
Tue Oct 10, 2017 12:49 am
Forum: Investing - Help with Personal Investments
Topic: 3 months left to contribute and max TSP
Replies: 25
Views: 2488

Re: 3 months left to contribute and max TSP

I think your plan is a good one. The traditional/Roth split is a tough call as mentioned by others. The usual Boglehead advice is to go all traditional when you're in the 25% bracket. But your real estate holdings and likely high dividends from a large taxable account (from civilian doctoring) in re...