Bogleheads.org

davegreen10

Hmmm, cereal grains. The diet that the animal husbandry industry uses for the fastest possible weight gain. Yeah, I think I'll pass.

davegreen10

Well for starters is that the best price you can get? I pay $85 for a $9k ring as a rider on my renters insurance. You clearly understand that some only insure what they can't afford to lose. But others pay for insurance for peace of mind. While I couldn't care less about jewelry, my wife has signif...

davegreen10

The big drawback of the infrared heater is they also generate a lot of visible light. So stargazing with a little heat is definitely out.

davegreen10

I can't speak specifically to the 365 situation. But they automatically extended my expiration when they were backlogged on the renewal process. I'm guessing they will lean towards being flexible as opposed to being hard nose bureaucrats.

davegreen10

Great Post Yules, I'm 2-3 years from my goal of pre-tiring to part-time. I had been "hoping" to get the eventual recession out of the way to minimize sequence of return risks. I had already moved from 100% stocks to 85/15 cash just from changing contributions. This correction was much more...

davegreen10

I will gladly pay the $25 charge (hcol). What are my other choices? Go to a dentist that isn't changing their PPE between patients? The big costs are the dentists investing in aerosol mitigation. Think air purifiers and Shop vacs with a fishmouth by the patient and hepa filter exhausts. This is beca...

davegreen10

Interesting. While I am mostly organized, I do find some things slip by me. Hopefully not a harbinger of times to come as I am only in my 50s. Our ending balance this year was a few dollars under $250k. Over the next few years we will only contribute rounding amounts if our W2 jobs don't quite hit t...

davegreen10

Industry person here. Here are the most common reasons for specials (unless its some chain restaurant where management mandates there is always a special for no apparent reason) 1) We are overstocked on some ingredient. It's still perfect if we sell more in the next couple of days but may spoil afte...

davegreen10

Here is an example for you. When my Mom passed she split this way: Sibling 1 (2 kids) 25% Sibling 2 (2 kids) 25% Sibling 3 (5 kids) 37.5% Me (0 kids) 12.5% So it was kind of a "needs" based approach. No resentment on my part. Sibling 3 had an unexpected set of twins when she was 42 :happy

davegreen10

Good resource for staying connected here:

https://www.rvmobileinternet.com/

davegreen10

The electric car market is improving/changing so rapidly, I would be reluctant to make a long multi-year commitment to a gas burning vehicle. I would opt for your choice of a smaller investment in a moderate mileage vehicle.

davegreen10

The rep told me today that they will reimburse you for any fees you incur due to the transfer

davegreen10

Most Delta plans are simply administered by Delta for an employer. Each plan will vary depending upon parameters/procedures and level of funding picked by the employer.

I suggest calling Delta with this question.

davegreen10

I am at the same stage. I'm 52 and the time is becoming increasingly more important than the money. But we are only 75% to our number (1.2m vs 1.6m) My job pays well so we should get there in about four years. But I am definitely a little burned out. Psychologically, it was easier when the time was ...

davegreen10

You may see a variety of opinions. The reality is while all of these people have UHC as their plan administrator, their plan benefits can be totally different. Most large companies self-insure and then use a UHC, Cigna, etc as their plan administrator. The benefit limits, copays, coverage, exclusion...

davegreen10

I love how the free monitoring service gives you the option of adding your social security number if you want them to monitor that also.

Ummm, you just lost all my info to hackers. I don't think I'm ready to trust you with more...

davegreen10

We budget and save as if we may live a very long time. But we also make sure that we don't save everything at the expense of shorter term goals of fun and experience. We realize that one or both of us could die at any time so we need to balance the gratification of today vs tomorrow. We are very goo...

davegreen10

Just got my invite to configure for delivery in 2-4 months. I signed up approx 3 months after the beginning so my space in line was originally estimated at 450-500,000. So: 1) Is there going to be a massive ramp up in production soon? 2) Has there been a massive amount of cancellations moving me muc...

davegreen10

-View a TOTAL eclipse of the sun
-See the Northern Lights

davegreen10

Warning- I have my own modem to save the monthly charge. However when I had bandwidth issues, Comcast just placed the blame on my equipment rather than troubleshooting. I ended up having to rent their modem (which meant picking it up and dropping it off) for the service call to prove it wasn't the i...

davegreen10

If you don't plan on adding employees you can have a one participant 401k (it can include a spouse despite the name)

https://www.irs.gov/retirement-plans/on ... 401k-plans

My spouse and I have this with vanguard. You could roll yours over there.

davegreen10

IMHO- A true Boglehead purist doesn't time the market but you can find plenty of people on this board who may do so. I mean you can even interpret rebalancing your portfolio as market timing if want to.

davegreen10

We tried budgeting for a bout a year but it never worked well. We finally scrapped that and implemented our system. Note- I bring home 2/3 of the income. My responsibilities-Rent, utilities, phones and service, all insurance, max fund all retirement accounts (2x401k, 2x IRA, 2xHSA) , maintain emerge...

davegreen10

If wait staff is earning $15 p/hr, I would employ the following formula to determine the appropriate tip. Amount of my check x 0 = tip amount This sounds to me like the knee jerk reaction of someone who lives in a LCOL area and thinks this wage is outrageous. I live in San Francisco which is a very...

davegreen10

Congrats. Looking forward to crossing that threshold of net worth of all accounts in approx two years. It will be a few more before I can see it in just Vanguard. But thanks to compounding, they say the second million is much easier than the first.

davegreen10

Why do we LBYM: 1) Fear- I have been out of work due to layoff or injury a few times. My wife came out of a ten year deadbeat marriage (she paid the bills as best she could) with zero money and a <500 credit rating. Thankfully after 10 years of saving 1/3 of earnings we are well on our way to our re...

davegreen10

Can the executor endorse them? If so just deposit into a bank account. Deceased Person's Unused Travelers Checks In the event you possess travelers checks that belonged to a person now deceased, store the serial numbers in a safe place and give them to the estate executor for deposit. A surviving sp...

davegreen10

CA SDI caps out at $$110,902 for 2017 so you can subtract the .9% from your marginal rate as well

davegreen10

Buy the $35k car. If you don't get sick of it, you made the right decision. If you get tired of it after a few years, sell it and take the hit on the depreciation. :x But wait. You can now buy the current $70k car model used and it's taken an even bigger depreciation hit so you come out ahead. :shar...

davegreen10

$1.8 million in today's dollars for two people (DW)
No home equity
Will retire when we are 63/55
Will spend down to $1.4m until we take SS at 70/62

davegreen10

I was in the same boat as OP with a prescription for my child a few years back and often would use the GoodRX discount vs insurance. One thing to point out when using the GoodRX discount, the prescription does not count against your deductible. I was willing to take that deal for the much lower pri...

davegreen10

Thinking out of the box. Why not get legally divorced and continue to live together? -Make a relationship commitment to each other whatever you want that to be. -If you feel you need a legal piece of paper create your own civil contract between each other. Marriage (government as opposed to religion...

davegreen10

The two main criteria for whitening effectiveness are: 1) Strength of whitening gel and 2) Duration of Use In Office will have the fastest (but not necessarily the deepest) results as they use the strongest formula. It is caustic enough to burn your gums so they will block out your soft tissue to pr...

davegreen10

If you work in the corporate world, companies frequently offer legal services as one of the optional benefits. I signed up one year during the open enrollment period. It cost me about $250 for the year. My wife and I did our will/trusts that year and discontinued the benefit the next time around. Th...

davegreen10

My company (Fortune 300) pays half the match (3.5%) in company stock. At orientation a coworker asked if they can elect higher. They were told no; the company doesn't want you over allocated in that direction and feel free to purchase on your own outside the company plan.

davegreen10

How disciplined are you behavior wise? That can affect your savings much more than the rate of loan or investment. For example, in these times of low interest, I have no problem over-withholding my taxes. Some will grouse that I am giving the government a free loan. However with less money in my dis...

davegreen10

$50k emergency fund in taxable
$650k in tax adavantaged

Easy for us as we are barely able to max our tax advantaged accounts so not much left over for taxable

davegreen10

What is this no travel list you are referring to? I know the state department does travel alerts and warnings but I am unaware of a no travel list: https://travel.state.gov/content/passports/en/alertswarnings.html They tend to be very cautious. I would be willing to visit several of the countries on...

davegreen10

Crown Tailor does good work. http://www.crowntailor.com/ I have never been but the they come to the states twice a year. They rent a hotel room for 2-3 day in 8-10 major cities. They do measurements and fabric selection by appointment. Six weeks later your clothes arrive from Thailand. Price is abou...

davegreen10

What does your insurance plan say? Most dental plans pay: 100% of preventative (cleaning, exam, xrays) 80% of minor restorative (fillings, deep cleanings) 50% of major restorative (crowns, bridges, implants) Most are capped at an annual benefit of $1-2k per year as well. Dental benefits are not real...

davegreen10

Have you tried the comparison tool the state provides?

http://www.mass.gov/ocabr/insurance/veh ... isons.html

It may be a good place to start

davegreen10

Start with one of the OTC ones. Compliance is one of the biggest issues with nightguards. You don't want to be one of those people who spends the money and then doesn't wear it regularly. If the OTC one works fine then stick with it. But most people will want to get something that is precision fit a...

davegreen10

1) Max 401k to company match 2) HSA- If you make under the annual income cap for FICA ($118,500 for 2015) contribute to your HSA to the max if possible but at least to your anticipated (and unexpected) annual med expenses. If you are under this income limit HSA is pre fed/state/AND FICA tax while 40...

davegreen10

As said, all about balance. Save diligently in case you live a very long time...and spend money now enjoying life in case you die tomorrow. Our goal of balance is to save enough that our standard of living never has to do down at some point in our life. If our investments do better than our conserva...

davegreen10

Delayed advancing my career while being a ski bum and a few other things along the way in between real jobs. My rationale was that I was taking my retirement a little bit at a time and I would just work a little longer. In reality, the expense of my human capital was ok but ignoring the power of com...

davegreen10

Hmm, perhaps ask him to join you for an hour consult on your own portfolio with a CFA who is hourly compensated. Plan ahead with the CFA that there will be ample leftover time on this prepaid hour to discuss your Dad's. This may give you the third party credibility you need.

davegreen10

Too late for this traveler but wanted to contribute for future ones. We are in Panama City this week. I saw someone called it a dump but I don't feel the same. Perhaps we have a different perspective after traveling Nicaragua and El Salvador. My wife remarked today on how nice it was with no mangy s...

davegreen10

Maybe I missed it but what is her annual SS benefit? Does she receive any pension payments?

Thanks for pointing that out. I thought the info I used for burn rate was adjusted for income. It was not. Info has been edited above. I'm already much happier just seeing that figure greatly reduced.

davegreen10

My own investments are Bogleheadish since I discovered this forum a while back. However my Mom has always let an adviser handle hers. As her memory has headed south, she signed over power of attorney to my brother. We're thinking about taking over management and simplifying her portfolio. Our fear i...

davegreen10

As I understand it, it has always been illegal to telemarket to cell phones as it may force the end user to incur a charge (minutes). This info is from a friend in telecom. And there are also high enough fines to discourage the behavior. When I moved to SF in 2000 I established a landline number and...

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