Search found 142 matches

by Valdeselad
Mon Feb 08, 2016 3:27 pm
Forum: Investing - Theory, News & General
Topic: VSS Spreads and TLH [FTSE Small Cap ex-US and Tax Loss Harvesting]
Replies: 19
Views: 643

VSS Wide Bid/Ask Spread

[Thread merged into here, see below. --admin LadyGeek] There is a $0.55 spread this afternoon on VSS - certainly the highest I've seen in quite some time. How do others approach ETF purchasing when the spread widens like this -- do you wait for more of a liquid market or just try to make a market y...
by Valdeselad
Fri Feb 05, 2016 10:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: The Woodlands, Texas Chapter?
Replies: 6
Views: 341

Re: The Woodlands, Texas Chapter?

There is an active Houston chapter...or at least it used to be active a few years back.
by Valdeselad
Thu Feb 04, 2016 3:19 pm
Forum: Investing - Theory, News & General
Topic: Why is this Bear wrong?
Replies: 12
Views: 1173

Re: Why is this Bear wrong?

Market forecasters will fill your ear but will never fill your wallet.

Warren Buffett
2014 Annual Shareholder Letter
by Valdeselad
Wed Jan 27, 2016 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Need more small/mid caps...
Replies: 9
Views: 574

Re: Need more small/mid caps...

traveler90 wrote:Vanguard Extended Market
Vanguard Small-Cap Index

^ It should be noted that the Vanguard Small Cap Index is only small cap in name...it does contain a substantial amount of mid-caps (close to 40% I believe).
by Valdeselad
Wed Jan 27, 2016 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Need more small/mid caps...
Replies: 9
Views: 574

Re: Need more small/mid caps...

Extended Market Index is a great fund...plug your current and potential portfolio into the Morningstar X-Ray and you can see the impact for yourself.

http://portfolio.morningstar.com/Rtport/Free/InstantXRayDEntry.aspx
by Valdeselad
Wed Jan 27, 2016 10:36 am
Forum: Personal Consumer Issues
Topic: Design/Architecture App for IPad
Replies: 1
Views: 177

Design/Architecture App for IPad

Greetings All, I find myself turning to the collective wisdom of the Bogleheads community yet again. My wife and I are considering some major renovations to the outside of our home, which would substantially change the current look (new colors, new materials, etc). One of the difficulties is actuall...
by Valdeselad
Fri Jan 08, 2016 5:36 pm
Forum: Investing - Theory, News & General
Topic: Backdoor Roth in Vanguard Brokerage
Replies: 16
Views: 911

Re: Backdoor Roth in Vanguard Brokerage

Again, apologies if I'm hijacking this thread a bit, but does anyone have experience with the conversion on the new "upgraded" brokerage interface at Vanguard? The screens it wants to lead me through look/feel substantially different than years past, and given that this is something I don'...
by Valdeselad
Fri Jan 08, 2016 11:49 am
Forum: Investing - Theory, News & General
Topic: Backdoor Roth in Vanguard Brokerage
Replies: 16
Views: 911

Re: Backdoor Roth in Vanguard Brokerage

My question is due to the different setup and screens on the new account "upgrade" vs. years past. It is not clear to me that the same 'exchange' is taking place but it's probably just because everything looks new with the enhanced setup.
by Valdeselad
Fri Jan 08, 2016 11:09 am
Forum: Investing - Theory, News & General
Topic: Backdoor Roth in Vanguard Brokerage
Replies: 16
Views: 911

Re: Backdoor Roth in Vanguard Brokerage

I have the same question -- the new Brokerage account setup "upgrade" is adding a bit of confusion to the conversion process...would appreciate if anyone has experience they can pass along.
by Valdeselad
Thu Jan 07, 2016 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale Potential? Vanguard Total International Index (taxable) vs. Fidelity Spartan Int. Index (401k)
Replies: 2
Views: 225

Re: Wash Sale Potential? Vanguard Total International Index (taxable) vs. Fidelity Spartan Int. Index (401k)

Not only do they follow two different indices; they are very different indices. VSIIX follows a MSCI EAFE developed market index. VTIAX follows a FTSE Global all-cap index, including both developed and emerging markets. If you look at 2015 performance, you'll see the difference in performance from ...
by Valdeselad
Thu Jan 07, 2016 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale Potential? Vanguard Total International Index (taxable) vs. Fidelity Spartan Int. Index (401k)
Replies: 2
Views: 225

Wash Sale Potential? Vanguard Total International Index (taxable) vs. Fidelity Spartan Int. Index (401k)

Hi All, First of all, Happy New Year to everyone. I wish you all a healthy and prosperous 2016. My question is around some TLH I did with Vanguard Total International (VTIAX) at the end of 2015 and how it relates to some current rebalancing I would like to do in my 401k this week due to the market d...
by Valdeselad
Mon Nov 02, 2015 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Washington State 529
Replies: 5
Views: 234

Re: Washington State 529

Jack FFR1846 wrote:The NY plan has the lowest cost at 0.16%. My mom moved her 529s for my kids there at my suggestion


Yes, I personally think NY and Utah are the 2 strongest plans available. You can't go wrong either way IMO.
by Valdeselad
Mon Nov 02, 2015 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Washington State 529
Replies: 5
Views: 234

Re: Washington State 529

abuss368 wrote:The Vanguard 529 is low cost and in Nevada.


Yes, I agree that Nevada is a reasonably good plan in terms of costs...
by Valdeselad
Mon Nov 02, 2015 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Washington State 529
Replies: 5
Views: 234

Washington State 529

Greetings All, Part of my extended family reached out to me for advice on setting up their kids 529s and they live in Washington State. While I don't live there personally, I'm happy to help but figured I would bounce my initial thoughts off this audience. From what I can tell, Washington State has ...
by Valdeselad
Thu Oct 08, 2015 10:48 am
Forum: Personal Consumer Issues
Topic: 20th Century Stereo in a 21st Century World
Replies: 65
Views: 4706

Re: 20th Century Stereo in a 21st Century World

Use the Airport Express option mentioned above by @Alex686. I do this at my home - simple, works fantastic, and you mentioned you already have one. Working under the assumption that you have Wi-Fi in your home, you also gain the ability to control all your music wirelessly from your phone/ipad witho...
by Valdeselad
Thu Aug 13, 2015 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: clarification on the 25 or 35 times rule
Replies: 11
Views: 1286

Re: clarification on the 25 or 35 times rule

25 times is the phrase schwab uses. 25 times income is the same thing as the 4% rule. simple example. lets say you have a million dollar portfolio at retirement. 4% withdrawal will give you $40,000. and lets assume that is how much you need to retire on. schwab would say it thusly; if you want to r...
by Valdeselad
Thu Aug 13, 2015 5:52 pm
Forum: Personal Consumer Issues
Topic: Flower Garden/Landscape Bed Help
Replies: 8
Views: 601

Re: Flower Garden/Landscape Bed Help

If you are available and interested, check your local county agricultural extension office for a master gardener's class. You'll learn a lot. If you don't have that much time, consider just taking pictures and going to the county extension office and asking questions. Sometimes they have a phone in...
by Valdeselad
Thu Aug 13, 2015 5:51 pm
Forum: Personal Consumer Issues
Topic: Flower Garden/Landscape Bed Help
Replies: 8
Views: 601

Re: Flower Garden/Landscape Bed Help

Give a vegetable garden some thought, highly rewarding but can also be frustrating while you get the hang of it. At the very least you could look into some edible landscaping like blueberries. Thanks @Barnaclebob - we actually do have a vegetable garden growing in the largest bed in the back. It's ...
by Valdeselad
Thu Aug 13, 2015 4:34 pm
Forum: Personal Consumer Issues
Topic: Flower Garden/Landscape Bed Help
Replies: 8
Views: 601

Re: Flower Garden/Landscape Bed Help

The Wizard wrote:Perhaps gardenweb.com.
I've used it more for outdoor tools than for plants...


Thanks @The Wizard - I'll check that out
by Valdeselad
Thu Aug 13, 2015 3:56 pm
Forum: Personal Consumer Issues
Topic: Flower Garden/Landscape Bed Help
Replies: 8
Views: 601

Flower Garden/Landscape Bed Help

Hi All, An off-topic question for sure, but I trust the wisdom and feedback of this community so it's usually where I start my searches. I'm looking for a recommendation for a website that could help with our landscaping/flower beds. Basically, we recently bought a home with lots of outdoor space an...
by Valdeselad
Fri Jun 19, 2015 5:12 pm
Forum: Personal Consumer Issues
Topic: Anyone have A/C fail on an older Honda CRV?
Replies: 32
Views: 4097

Re: Anyone have A/C fail on an older Honda CRV?

No manufacturer builds the perfect bulletproof car. Sometimes you get unlucky even with <insert amazing name brand here>. As for cost, who knows. It could be the coolant is low (and therefore the clutch is no longer working), or it could be the compressor sized up. One fix costs $40, the other will...
by Valdeselad
Thu May 14, 2015 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Too soon to change jobs? Pres/CEO types
Replies: 18
Views: 2792

Re: Too soon to change jobs? Pres/CEO types

I look at things a bit differently in the sense that I place a high value on the company, its culture, and its people. Certainly you have a great opportunity financially and job level wise, nobody would argue that. But consider that you would be going from a private company to a public one, and with...
by Valdeselad
Wed Mar 25, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 59
Views: 5456

Re: Riding Mower Help Needed

OP here...to close the loop on this, I ended up purchasing a used 2012 JD z920A. Great ZTR mower that *should* last a really long time and perform well with the big yard. For the same money I would have spent on mid-range new, I felt I was getting a mower with top of the line components that are mad...
by Valdeselad
Tue Mar 03, 2015 7:18 pm
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 59
Views: 5456

Re: Riding Mower Help Needed

^ So which one are you leaning towards? It's amazing how many different models there are of engines….. http://www.kohlerengines.com/onlinecatalog/serieslanding.htm?series=7000%20Series Upper left portion of page shows "browse by series"…..that's quite a few to browse through :o Good luck....
by Valdeselad
Tue Mar 03, 2015 3:34 pm
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 59
Views: 5456

Re: Riding Mower Help Needed

Which Kohler engine? I believe the Command is one of their better engines. The Courage is in most of the entry level models. It just says "23HP/725cc Kohler V-Twin OHV Engine" I believe that is the Kohler Command Pro. This is a great forum (link below) to peruse using the search function....
by Valdeselad
Tue Mar 03, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 59
Views: 5456

Re: Riding Mower Help Needed

Which Kohler engine? I believe the Command is one of their better engines. The Courage is in most of the entry level models. It just says "23HP/725cc Kohler V-Twin OHV Engine" I believe that is the Kohler Command Pro. This is a great forum (link below) to peruse using the search function....
by Valdeselad
Mon Mar 02, 2015 7:00 pm
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 59
Views: 5456

Re: Riding Mower Help Needed

pennstater2005 wrote:Which Kohler engine? I believe the Command is one of their better engines. The Courage is in most of the entry level models.


It just says "23HP/725cc Kohler V-Twin OHV Engine"
by Valdeselad
Mon Mar 02, 2015 5:55 pm
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 59
Views: 5456

Re: Riding Mower Help Needed

OP here...just wanted to give an update. I have narrowed my choices to the Gravely ZT HD48 and the Ariens MaxZoom48. I can buy the Ariens online for $4800 all in, while I would have to buy the Gravely locally for $5600 all in. The Gravely would cost me about $800 more but I would also be supporting ...
by Valdeselad
Mon Dec 01, 2014 7:42 pm
Forum: Personal Consumer Issues
Topic: swimming pool pumps
Replies: 14
Views: 1965

Re: swimming pool pumps

You can pull the pump off and bring it to an electric motor shop and have them test it. They may be able to fix it for a reasonable fee. I was able to do that the first time I had a pump burn out and paid about $50 to have the motor fixed. The second time it was completely burned out and I bought a...
by Valdeselad
Mon Dec 01, 2014 7:39 pm
Forum: Personal Consumer Issues
Topic: swimming pool pumps
Replies: 14
Views: 1965

Re: swimming pool pumps

Going to bump this thread since it's a year old and my question is basically identical to the OP. Any specific makes/models that folks would recommend for a energy efficient pool pump replacement? Thanks, Valdeselad Is it the pump that died or just the motor? Motors are a commodity and they are pre...
by Valdeselad
Mon Dec 01, 2014 1:45 pm
Forum: Personal Consumer Issues
Topic: swimming pool pumps
Replies: 14
Views: 1965

Re: swimming pool pumps

Going to bump this thread since it's a year old and my question is basically identical to the OP.

Any specific makes/models that folks would recommend for a energy efficient pool pump replacement?

Thanks,

Valdeselad
by Valdeselad
Sun Aug 03, 2014 4:18 pm
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 59
Views: 5456

Re: Riding Mower Help Needed

FWIW - When we moved to a larger yard (1.5 acres) I went to the local Deere store, and happened to find a recently used 175. That was 25 years ago, and it's still going strong ("nothing runs like..."). If you have local dealers, you might want to check if any decent used models are availa...
by Valdeselad
Sun Aug 03, 2014 4:18 pm
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 59
Views: 5456

Re: Riding Mower Help Needed

westie wrote:with all those trees, you'll need to buy the bagger. The fall is when mine gets a workout.


@westie - great suggestion, glad you mentioned that
by Valdeselad
Sat Aug 02, 2014 11:22 am
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 59
Views: 5456

Re: Riding Mower Help Needed

victorb wrote:1.You have gotten some great advice, as usually from the Boglehead community, I am always impressed with that!


Absolutely...could not agree more. I'm always amazed with both the knowledge and generosity of the Boglehead community.
by Valdeselad
Sat Aug 02, 2014 3:32 am
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 59
Views: 5456

Re: Riding Mower Help Needed

Not sure if it's prudent to post external links, but this is an example of a used JD X300 that is fairly close to me. Would you guys steer clear of used equipment or is this something to consider? The price seems pretty good considering the low hours: http://houston.craigslist.org/grd/4590635199.html
by Valdeselad
Sat Aug 02, 2014 3:29 am
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 59
Views: 5456

Re: Riding Mower Help Needed

I've been farming since 1975 and have owned a number of medium sized tractors and farm equipment. I think I know good equipment but on the other hand I am no lawn tractor expert. That said I ended up buying this to mow our 3 acre lawn: http://www.lowes.com/pd_521688-63311-960450046_4294612687%2B429...
by Valdeselad
Fri Aug 01, 2014 9:00 pm
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 59
Views: 5456

Re: Riding Mower Help Needed

If it is mostly flat with a lot of things to mow around go with a Zero Turn instead of a tractor style. Unless you are planning on doing some time of gardening you will get done much faster with a Zero Turn mower than you will the tractor type and you will find it much easier to mow around things. ...
by Valdeselad
Fri Aug 01, 2014 8:54 pm
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 59
Views: 5456

Re: Riding Mower Help Needed

Deere X series. Given the size of your lot I'd be looking at the X500's. Robust transmission and nice Kawasaki engines. For your lot I think the X300s might be a little light weight. The X700s are nice, but for what they cost you are starting to be in subcompact tractor range. Don't mess with anyth...
by Valdeselad
Fri Aug 01, 2014 8:43 pm
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 59
Views: 5456

Re: Riding Mower Help Needed

Would it be advisable to consider a "zero turn" mower? What about the deck? 48" or 54"? Is the HP a direct indicator of how long it will take me to mow (i.e. more horsepower will move it that much faster)?
by Valdeselad
Fri Aug 01, 2014 8:39 pm
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 59
Views: 5456

Re: Riding Mower Help Needed

How much money are you considering spending? Simplicity makes some very highly rated lawn and garden tractors as does John Deere. I personally have a Husqvarna with a Kawasaki engine that has been flawless now for 2 years. I bought the model with the Kawasaki engine because the reviews for the entr...
by Valdeselad
Fri Aug 01, 2014 8:20 pm
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 59
Views: 5456

Riding Mower Help Needed

Hi All, I'm turning to the Boglehead experts once again. Our recently purchased home comes on a 2.7 acre lot and I need help with the purchase of a riding lawnmower. I have read some previous posts on this topic so I know there are some very knowledgeable folks that frequent these boards. Some other...
by Valdeselad
Fri Aug 01, 2014 3:27 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 54
Views: 5929

Re: Kitchen Remodel - Appliance Brand/Model Recommendations

OP here...just wanted to give an update on what we finally decided: Refrigerator : GE GNE26GSDSS - This one is a 26 cubic ft. french door model without the ice/water dispenser in the door - we figure one less thing that will break. This also had a relatively large freezer compared to similar models ...
by Valdeselad
Mon Jul 07, 2014 6:38 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 54
Views: 5929

Re: Kitchen Remodel - Appliance Brand/Model Recommendations

Op, I am in the middle of a kitchen remodel myself (I guess a small one? Kitchen + whole house popcorn ceiling removal and painting = $30k). However, I've been doing my appliances "as I go". I ended up with all Maytags, but that is just how it turned out to be. Each piece was bought in a ...
by Valdeselad
Mon Jul 07, 2014 10:56 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 54
Views: 5929

Re: Sub Zero, Bosch

If you have the money, don't settle for less in a refrigerator. Sub-Zero. Had one for 24 years. Miss it in the new house. Will get another after I save up the money. Screw stainless steel. Get it integrated. For dishwasher. Bosch. Any model with a list price of $1000+. Quiet. Cleans well. On my 4th...
by Valdeselad
Fri Jul 04, 2014 3:23 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 54
Views: 5929

Re: Kitchen Remodel - Appliance Brand/Model Recommendations

sdsailing wrote:+1 on the GE dual fuel convection range (not the very top ge line, but one removed from it...cant remember the name). We have another kitchen with much "higher end" oven and gas top separates and the GE is far superior.


Profile line?
by Valdeselad
Fri Jul 04, 2014 3:20 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 54
Views: 5929

Re: Kitchen Remodel - Appliance Brand/Model Recommendations

Thanks everyone for the feedback - it is very helpful.
by Valdeselad
Fri Jul 04, 2014 12:15 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 54
Views: 5929

Re: Kitchen Remodel - Appliance Brand/Model Recommendations

If you want dual ovens I would look at the GE-- last when we looked they had the most usable dual ovens (at least until you got to the super-expensive brands like Wolf). FWIW we ended up with a GE range, Kitchenaid dishwasher, and LG fridge. Agree gardenweb is very helpful. Thanks lorek - when you ...
by Valdeselad
Fri Jul 04, 2014 12:14 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 54
Views: 5929

Re: Kitchen Remodel - Appliance Brand/Model Recommendations

As someone who is contemplating a kitchen and 3 bath reno I wish I knew! There are so many options out there. In my case I'll be limited by space and will be focused on a 36" slide in range, probably gas and a 36" counter depth or built in fridge which offers the most interior space and t...
by Valdeselad
Fri Jul 04, 2014 12:02 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 54
Views: 5929

Re: Kitchen Remodel - Appliance Brand/Model Recommendations

I like the 48" Wolfe gas range, just make sure you get a 1200 CFM vent hood for exhaust. For dishwashers I like Bosch or Thermodor. Of course Subzero is a very good but very expensive refrigerator. Allan Thanks Allan, I see we are both in Houston. Ideally would like to find some of these items...
by Valdeselad
Fri Jul 04, 2014 11:40 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 54
Views: 5929

Kitchen Remodel - Appliance Brand/Model Recommendations

Hi All, We just closed on a new house and are in the beginning stages of a kitchen remodel that will be completed before we move in. One of the items we will need to decide on is what brand and model of appliances we will purchase and install. We are going to need a range/oven (gas), refrigerator an...

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