Search found 1705 matches

by bearwolf
Mon Apr 13, 2015 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Saving for next car...stash cash in VTSMX?
Replies: 14
Views: 2858

Re: Saving for next car...stash cash in VTSMX?

I like your thinking. We don't save for cars with a separate fund, but just use our entire portfolio to pay for big ticket items whether it is retirement, college, home down payment, cars, or vacations. Basically, money is money to me and it doesn't matter which pocket it comes from. But you will f...
by bearwolf
Tue Mar 24, 2015 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Check your HSA Bank Statement!
Replies: 20
Views: 4479

Re: Check your HSA Bank Statement!

The reversal should occur within 10-14 business days. I would hope that if another fee is deducted next month due to average balance being below $5000, they will reverse that one as well. I imagine their IT department has corrected the error so this won't be repeated on a monthly basis, but always ...
by bearwolf
Wed Jan 21, 2015 3:51 pm
Forum: Personal Consumer Issues
Topic: $7 gas - what would you do?
Replies: 125
Views: 22611

Re: $7 gas - what would you do?

My Nissan Leaf doesn't really care if gas is $4 or $2 or even $7. I'm saving less with $2 gasoline so I guess I should hope for $7 gas.

BearWolf
by bearwolf
Mon Nov 10, 2014 6:36 pm
Forum: Investing - Theory, News & General
Topic: math equation I can't figure out [Earnings formula]
Replies: 6
Views: 1889

Re: math equation I can't figure out

phighfield1 wrote:Sorry I meant how he gets 4.7% not 4.9.
This is a residual earnings model formula stated above
I get 4.7% too. Are you still getting 4.9%?

BearWolf
by bearwolf
Mon Oct 20, 2014 3:55 pm
Forum: Personal Consumer Issues
Topic: Building a New House, Advice please.
Replies: 66
Views: 9352

Re: Building a New House, Advice please.

Your builder not a fan of ICF? ICF was the single best thing about the house we built, added 7% to cost. Local utility says we have one of the tightest homes he ever tested. My guess is your builder knows the methods he knows, hiring out the framing to an ICF crew complicates the build and methods ...
by bearwolf
Sun Oct 19, 2014 1:03 pm
Forum: Personal Consumer Issues
Topic: Building a New House, Advice please.
Replies: 66
Views: 9352

Re: Building a New House, Advice please.

Consider building the exterior walls with ICFs: Insulated Concrete Forms. Especially since this will be in Oklahoma where the threat of tornados is high, the difference in cost could be well worth it. Thanks! Thats one of the items on our list to discuss. I'll let you know how it comes out. BW My b...
by bearwolf
Tue Oct 14, 2014 9:59 pm
Forum: Personal Consumer Issues
Topic: Building a New House, Advice please.
Replies: 66
Views: 9352

Re: Building a New House, Advice please.

Casablanca wrote:Consider building the exterior walls with ICFs: Insulated Concrete Forms. Especially since this will be in Oklahoma where the threat of tornados is high, the difference in cost could be well worth it.
Thanks! Thats one of the items on our list to discuss. I'll let you know how it comes out.

BW
by bearwolf
Mon Oct 13, 2014 9:44 pm
Forum: Personal Consumer Issues
Topic: Building a New House, Advice please.
Replies: 66
Views: 9352

Re: Building a New House, Advice please.

TxAg wrote:How about tile floors? They go over well in the south.
we'll probably have some of both.

B
by bearwolf
Mon Oct 13, 2014 5:41 pm
Forum: Personal Consumer Issues
Topic: Building a New House, Advice please.
Replies: 66
Views: 9352

Re: Building a New House, Advice please.

ahmadcpa wrote:Fiber optics is the future of TV/Internet and phone wiring requirements.
Yes, but the present belongs to ethernet/wire. I plan on putting conduit to any television locations to try and future proof as much as possible.

BearWolf
by bearwolf
Mon Oct 13, 2014 10:21 am
Forum: Personal Consumer Issues
Topic: Building a New House, Advice please.
Replies: 66
Views: 9352

Re: Building a New House, Advice please.

A couple of quick thoughts: 1) Consider tamper resistant outlets if children may be in the house, upcharge is minimal, but they appear to be a real safety improvement. 2) Consider wiring circuits and panel(s) in such a way to make adding a future generator easy (grouping essential circuits into a s...
by bearwolf
Mon Oct 13, 2014 10:19 am
Forum: Personal Consumer Issues
Topic: Building a New House, Advice please.
Replies: 66
Views: 9352

Re: Building a New House, Advice please.

These days most people trying to assemble a book of photos of things they like in new homes use Houzz. It is a free site, there are over 3 million photos of recently built and remodeled homes, you can filter based on architectural style, rooms, exterior, features, etc. You can build what they call ...
by bearwolf
Mon Oct 13, 2014 9:33 am
Forum: Personal Consumer Issues
Topic: Building a New House, Advice please.
Replies: 66
Views: 9352

Re: Building a New House, Advice please.

I think you will regret building a house that size. We are living in 3500 sf family of 4 and it's too big. Yes I know this. However, we work out of our home and are including office and records storage space and my wife has a large quilting machine for a hobby/business. We are also including a Moth...
by bearwolf
Sun Oct 12, 2014 3:23 pm
Forum: Personal Consumer Issues
Topic: Building a New House, Advice please.
Replies: 66
Views: 9352

Re: Building a New House, Advice please.

No budget? You are in serious trouble. Let me clarify. We have just begun the process, we are finding a lot, and in discussions with the builder and architect. There is obviously an upper limit on the budget, but anything we spend will be well within reason of what we can afford. The house size wil...
by bearwolf
Sun Oct 12, 2014 12:47 am
Forum: Personal Consumer Issues
Topic: Building a New House, Advice please.
Replies: 66
Views: 9352

Re: Building a New House, Advice please.

We haven't set a budget for the house yet. Still in discussions with the builder. The house will be one story with a full basement. All of the plans I've looked at that I like seem to be called Mediterranean Style. Since Mrs B has knee and hip issues we will be making sure the house is handicap acce...
by bearwolf
Sat Oct 11, 2014 5:58 pm
Forum: Personal Consumer Issues
Topic: Building a New House, Advice please.
Replies: 66
Views: 9352

Re: Building a New House, Advice please.

and are in the process of locating a lot. Most important step ! - Remember Location, Location, Location. After the house is built, you can change almost anything except LOCATION. A pond view is nice for wildlife. Pay a lot of attention to Electrical Outlets, Coax outputs and have Ethernet Cable str...
by bearwolf
Sat Oct 11, 2014 5:06 pm
Forum: Personal Consumer Issues
Topic: Building a New House, Advice please.
Replies: 66
Views: 9352

Building a New House, Advice please.

Mrs Bearwolf and I have decided to build a new house. All of the kids are out of the house now and we would like to move into our "last" house. There are several things we would like to do different than our current house, like radiant floor heating, single story no steps (Mrs B has knee a...
by bearwolf
Wed Oct 01, 2014 6:20 am
Forum: Personal Finance (Not Investing)
Topic: need for a backup credit card?
Replies: 37
Views: 4883

Re: need for a backup credit card?

My question is - is it sensible to have another card, just for backup purposes? Until a couple months ago, we had another Visa card, but it was canceled because we never used it. Probably not sensible if you just let it get closed due to inactivity. You can't poll others about this. You have to det...
by bearwolf
Tue Sep 30, 2014 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security benefits for self-employed
Replies: 10
Views: 920

Re: Social Security benefits for self-employed

As I understand it, self-employed individuals pay twice into Social Security & Medicare (15.3%) what employees of a company would pay (7.65%). Does that mean that a self-employed individual would receive double the benefits in social security? My reason for asking is that my wife is self-employ...
by bearwolf
Tue Jul 22, 2014 8:32 am
Forum: Personal Consumer Issues
Topic: AAA worth it? I have Allstate
Replies: 53
Views: 6651

Re: AAA worth it? I have Allstate

Can anyone compare AAA to State Farm's Roadside Assistance program. AAA basic for our two cars would be over $70/year. State Farm's program is $15/year. Our cars are high mileage and I've been commuting several times a month to a location 150 miles/home, so I want an emergency towing service (or if...
by bearwolf
Sat Sep 14, 2013 6:19 pm
Forum: Personal Investments
Topic: Fire Advisor then Vanguard Target or Individual?
Replies: 18
Views: 1949

Re: Fire Advisor then Vanguard Target or Individual?

I have been educating myself via books, articles, Bogleheads site etc. I am middle-aged and have an IRA in the low 6 figures. I like my financial advisor who taught me a lot, but 1.75% of my portfolio annually seems like a mighty large part of my investment. I'm looking at Vanguard and trying to de...
by bearwolf
Thu May 23, 2013 6:55 am
Forum: Personal Investments
Topic: Hi Bogleheads! I'm seeking some sound advice and insights.
Replies: 9
Views: 904

Re: Hi Bogleheads! I'm seeking some sound advice and insight

Thank you this is already helpful. As for bonds, I think we'll see outperformance in specific funds/ETF's that stand to benefit the most from rising interest rates in the not-too-distant future. At some point inflation will kick in and the Fed will have to start mopping up all that excess liquidity...
by bearwolf
Thu May 09, 2013 4:57 am
Forum: Investing - Theory, News & General
Topic: Show us your M* Average MFund Exp Ratio %
Replies: 60
Views: 3642

Re: Show us your M* Average MFund Exp Ratio %

.11% Combo of Fidelity Spartan funds, vanguard index funds, BND and TIP.

BearWolf
by bearwolf
Fri Apr 26, 2013 6:21 am
Forum: Investing - Theory, News & General
Topic: Can You Ace FINRA's Financial Literacy Quiz?
Replies: 111
Views: 9907

Re: Can You Ace FINRA's Financial Literacy Quiz?

I got 14 out of 15. I misssed the SIPC question as I thought they were asking about insuring against the failure of a company holding your investments. I guess I misread the question. I shouldn't have gone so fast. :oops:

BearWolf
by bearwolf
Sun Apr 21, 2013 10:12 pm
Forum: Personal Investments
Topic: When is it worthwhile to Tax Loss Harvest?
Replies: 9
Views: 1638

Re: When is it worthwhile to Tax Loss Harvest?

Saving$, I get your first point, but with your second are you saying that using harvested losses to offset long term capital gains is a "waste" and that it would be better to harvest losses to offset regular income? I can see your point here as well, better to offset taxes at 33% rather t...
by bearwolf
Wed Mar 20, 2013 8:41 pm
Forum: Personal Investments
Topic: how to get my rate of return
Replies: 15
Views: 2132

Re: how to get my rate of return

Do you have records of your contributions and withdrawals? If so, you can XIRR them without any info from Vanguard other than current account value. http://whitecoatinvestor.com/how-to-calculate-your-return-the-excel-xirr-function/ you dont know of a good way to do this on MAC NUMBERS (does not hav...
by bearwolf
Wed Feb 27, 2013 8:18 am
Forum: Non-US Investing
Topic: Help with Canadian Banking for international student
Replies: 13
Views: 2188

Re: Help with Canadian Banking for international student

My daughter will be attending the University of British Columbia starting next fall... BearWolf Well she's chosen about the most beautiful university campus in Canada! (toss up between that and U Victoria). Tell her to get her degree *before* she gets one in surfing and skiing ;-). Vancouver is unf...
by bearwolf
Tue Feb 26, 2013 6:03 pm
Forum: Non-US Investing
Topic: Help with Canadian Banking for international student
Replies: 13
Views: 2188

Re: Help with Canadian Banking for international student

I appreciate all of the responses. We have until the fall so I will be doing some research and maybe even an in person visit before we have to open an account.

Thanks again!

BearWolf
by bearwolf
Tue Feb 26, 2013 1:36 pm
Forum: Non-US Investing
Topic: Help with Canadian Banking for international student
Replies: 13
Views: 2188

Re: Help with Canadian Banking for international student

' Also: Your daughter would be wise to get a credit card both in the US and in Canada as soon as she is able, to begin building a credit history in both countries. (Since it is possible that she may ultimately settle in either). As a non-Canadian, she may be required to put down $500 or $1000 to ge...
by bearwolf
Tue Feb 26, 2013 12:37 pm
Forum: Non-US Investing
Topic: Help with Canadian Banking for international student
Replies: 13
Views: 2188

Help with Canadian Banking for international student

My daughter will be attending the University of British Columbia starting next fall. I am in need of advice on the best way to handle banking arrangements for her. We are US citizens. Is it better to open an account at a Canadian bank and wire funds there or just use our existing bank here in the st...
by bearwolf
Tue Jan 01, 2013 11:41 am
Forum: Investing - Theory, News & General
Topic: What was your 2012 return?
Replies: 275
Views: 27688

Re: What was your 2012 return?

XIRR according to Microsoft is 10.69%. This is for a 50/50 portfolio.

BearWolf
by bearwolf
Wed Dec 26, 2012 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k
Replies: 9
Views: 1006

Re: Solo 401k

STC wrote:Assuming you are self-employed...Max contribution would be $17,500 + (25% * total gross income) to a max of $49k
Unless you are over 50 then you can make a catchup contribution for a total of 52K (From memory).

BearWolf
by bearwolf
Wed Nov 07, 2012 5:36 pm
Forum: Personal Consumer Issues
Topic: iPad Mini or Similar?
Replies: 34
Views: 3542

Re: iPad Mini or Similar?

I just bought the iPad mini. I like it. Better than my full size iPad in fact. I think the size is perfect. I've looked at kindle books, web, email, bridg apps, etc. it works great. I use my iPhone for tethering so I have the wifi only with 32 GB. I have 7 GB free so I wouldn't recommend the 16. It ...
by bearwolf
Sun Nov 04, 2012 8:16 pm
Forum: Investing - Theory, News & General
Topic: How did you make your million(s)?
Replies: 81
Views: 13859

Re: How did you make your million(s)?

I owe all my success to some advice my father in law gave me. He said "Son, here's a million bucks. Don't lose it!"

BearWolf
by bearwolf
Thu Oct 25, 2012 2:54 pm
Forum: Personal Consumer Issues
Topic: Surety Bond
Replies: 5
Views: 827

Re: Surety Bond

A Surety Bond is usually a performance guarantee; as a Treasurer, you may be looking for a Fidelity Bond or policy which would indemnify your organization against loss. Yes, you are correct I need a Fidelity bond. I've gotten quotes from a few companies and so far State Farm has the best rates. It ...
by bearwolf
Mon Oct 22, 2012 12:01 pm
Forum: Personal Consumer Issues
Topic: Surety Bond
Replies: 5
Views: 827

Surety Bond

I've recently been elected to the position of Treasurer in a local organization and as a result I'm in the market for a surety bond. Does anyone have experience in the selection and purchase of such a bond. I'm looking for one in the amount of $50,000. I'd appreciate any input or information I can u...
by bearwolf
Wed Oct 03, 2012 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Rule of Thumb...Credit Card Limit
Replies: 52
Views: 6838

Re: Rule of Thumb...Credit Card Limit

So where can I get a high limit card with a low int rate? I don't want bonuses, miles or any of that stuff, just a high limit low int rate card. If I go to the visa website and enter everything in I'm afraid they will just mail me another low limit card. Then I will have to keep it for a while then...
by bearwolf
Sat Sep 29, 2012 7:08 am
Forum: Personal Investments
Topic: what are your 401k fees?
Replies: 19
Views: 2969

Re: what are your 401k fees?

I have a Solo 401K through Fidelity. I don't pay any fees that I know about, just the standard ER from the funds or ETF's I invest in. Currently I have the Spartan Total Stock Market, Spartan intermediate treasury fund, a vanguard ETF and an iShares ETF. No other fees i'm aware of.

BearWolf
by bearwolf
Sun Sep 23, 2012 6:45 am
Forum: Investing - Theory, News & General
Topic: Fidelity Investment Advisors
Replies: 28
Views: 4476

Re: Fidelity Investment Advisors

I'll give him the benefit of the doubt. Let's say this is a taxable account that has substantial unrealized capital gains from the appreciation of taxable bond funds. Let's also assume In that the investor is in a high tax bracket. Then what he is advocating makes sense from a tax perspective. ... ...
by bearwolf
Tue Sep 04, 2012 10:40 am
Forum: Personal Investments
Topic: Where to go,what to do if you no longer trust Vanguard?
Replies: 66
Views: 13148

Re: Where to go,what to do if you no longer trust Vanguard?

snyder66 wrote:vituperative! At least incluse a definition if you are going to use words like this. Sheesh.
http://lmgtfy.com/?q=vituperative

There you go.

BearWolf
by bearwolf
Tue Aug 14, 2012 9:46 am
Forum: Personal Finance (Not Investing)
Topic: health insurance "hospital" billing question
Replies: 48
Views: 6152

Re: health insurance "hospital" billing question

IF you don't like the opaqueness drop your insurance and pay in cash as those costs are upfront. I don't see anyone willing to do that do you?? Good luck. If one were to choose to do this what do you do when faced with an illness like cancer? The tests, scans, drugs etc are so over the top that no ...
by bearwolf
Mon Aug 06, 2012 5:51 am
Forum: Personal Investments
Topic: Quick question about Starting a Portfolio
Replies: 13
Views: 1588

Re: Quick question about Starting a Portfolio

Also wilked, I was under the impression you couldn't buy a similar fund to offset a realized loss. How different do two funds need to be that you can deduct the losses (and avoid a wash sale)? Or did you just wait the required 30 days? I think the term is substantially similar. So 500 index from Va...
by bearwolf
Mon Jun 04, 2012 8:26 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Investment Advisors
Replies: 28
Views: 4476

Re: Fidelity Investment Advisors

I don't think your conclusion that the purpose of the call was to generate commissions in your acct. There are no commissions for any Fidelity fund and the majority of the non-Fido funds they offer. If he was recommending ETF's the online rate is 7.95. I don't know how they are compensated but I do...
by bearwolf
Mon Jun 04, 2012 8:24 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Investment Advisors
Replies: 28
Views: 4476

Re: Fidelity Investment Advisors

I don't think your conclusion that the purpose of the call was to generate commissions in your acct. There are no commissions for any Fidelity fund and the majority of the non-Fido funds they offer. If he was recommending ETF's the online rate is 7.95. I don't know how they are compensated but I do...
by bearwolf
Mon Jun 04, 2012 1:51 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Investment Advisors
Replies: 28
Views: 4476

Fidelity Investment Advisors

I recently received an e-mail from my Fidelity representative mentioning that the market had been in turmoil lately and was I doing OK with my investments. It has been a while since I chatted with either a Vanguard rep or a Fidelity rep about my asset allocation and investment direction so I thought...
by bearwolf
Thu May 10, 2012 4:31 am
Forum: Personal Consumer Issues
Topic: How should I buy a car the Boglehead way?
Replies: 22
Views: 3246

Re: How should I buy a car the Boglehead way?

When I saw this thread, I thought it was about actually getting a good purchase price from a car dealer. We plan to buy a Honda CR-V this week. We have the cash saved in a Money Market Fund so a loan is not an issue. So far, I have an offer of $500 over dealer invoice. It sounds good to me, but I w...
by bearwolf
Wed May 02, 2012 5:39 am
Forum: Investing - Theory, News & General
Topic: ETFs v. Mutual Funds
Replies: 13
Views: 1433

Re: Big deal ?

Thanks for the reply. I have a number of friends who think that ETFs are the only way to invest, and that MFs are somehow for folks in the Flat Earth Society. I don't bother arguing the point, because I really don't undertand the push towards ETFs, and because everyone knows that the world is flat....
by bearwolf
Wed May 02, 2012 5:20 am
Forum: Investing - Theory, News & General
Topic: what price do you get?
Replies: 56
Views: 10499

Re: what price do you get?

sanfran2012 wrote:what if you buy a fund after closing - lets say at 11 pm. what price do you get? the closing price of that day? or the price at the end of the next day?
thanks
You get the price at the close of the next trading day.

BearWolf
by bearwolf
Sun Apr 29, 2012 3:04 pm
Forum: Personal Consumer Issues
Topic: When do you allow yourself to buy a "Want"
Replies: 57
Views: 4596

Re: When do you allow yourself to buy a "Want"

I know there are many on this board that probably do not allow this at all. I'm just wondering what goes into your decision making when you want something. I have been wanting a second vehicle for over a year now and I'm second-guessing myself to the point where I'm not sure I want it. Yes, The min...
by bearwolf
Sun Apr 29, 2012 3:00 pm
Forum: Personal Investments
Topic: Vanguard ETFs at Fidelity
Replies: 8
Views: 1108

Re: Vanguard ETFs at Fidelity

I am currently a Fidelity customer where we house our joint taxable, all of our IRAs, 529s, and one 401k. I have gone back and forth mentally between using Spartan funds, iShares ETFs (commission free), and Vanguard ETFs ($7.95 per trade) at Fidelity. Is there anyone out there who has weighed the s...