Search found 752 matches

by red5
Mon Sep 25, 2017 4:28 am
Forum: Investing - Help with Personal Investments
Topic: Pay student loans versus invest
Replies: 14
Views: 965

Re: Pay student loans versus invest

First make sure you have an appropriately sized emergency fund. If it were me I would not consider investing that 70k, especially in individual stocks (have you started retirement investing?). I'm not familiar with the rental world but how sure are you that you would get 10-13%. You should be skepti...
by red5
Wed Sep 20, 2017 4:03 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 25394

Re: Calling out the not so rich bogleheads

I have been an avid follower of this forum for quite some time now and would firstly like to say there's nothing quite like it anywhere on the web. It provides so much useful information on so many different things that I would rate it as one of the most useful websites as it pertains to investing ...
by red5
Sat Sep 16, 2017 3:33 am
Forum: Personal Consumer Issues
Topic: Recommend a DIY home improvement forum?
Replies: 3
Views: 674

Re: Recommend a DIY home improvement forum?

Maybe something at reddit? /r/diy looks pretty active.
by red5
Sat Sep 16, 2017 3:27 am
Forum: Forum Issues and Administration
Topic: Home Page Updated
Replies: 82
Views: 5902

Re: Home Page Updated

Not sure if this has been discussed (haven't gone through the entire thread) but I miss having the page numbers available to click on when at bogleheads.org. I liked being able to jump to whatever page I wanted when viewing a long thread.
by red5
Mon Sep 11, 2017 3:46 am
Forum: Personal Consumer Issues
Topic: Underlayment for hardwood floors
Replies: 31
Views: 2568

Re: Underlayment for hardwood floors

#15 roofing felt is what we are using (we are the middle of the project) for a couple reasons. One, it seems to be a common underlayment, perhaps even the most common. Two, the instructions say to use #15 roofing felt or the warranty would be void. This stuff does nothing for sound though, just mois...
by red5
Sun Sep 10, 2017 4:27 am
Forum: Personal Consumer Issues
Topic: 7 year old son's coin collection (& my observation on circulation?)
Replies: 14
Views: 2299

Re: 7 year old son's coin collection (& my observation on circulation?)

My kids, whom are about your son's age, love searching coin rolls as well. It's been great fun sitting at the kitchen table and opening hundreds of rolls. We do pennies, nickels, dimes and quarters. We are quite far east and have a difficult time finding some of the Ds but patience usually wins out....
by red5
Tue Aug 29, 2017 3:50 am
Forum: Personal Consumer Issues
Topic: Driving a car [in] Italy, any suggestion?
Replies: 47
Views: 3196

Re: Driving a car Italy, any suggestion?

'Gasolio' is not gasoline! Don't fill up your car with gasolio unless you have a diesel engine. Thank goodness that nozzle was to large to fit into my vehicle.
by red5
Fri Jul 07, 2017 4:33 am
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 71
Views: 7009

Re: Is it Safe to Get Your DNA Tested?

Well I think the tide is certainly against taking the test. Anyhow, let me give you another tidbit to think about. Someone I know recently took the test and got the ethnicity results. But the major success was finding 400 possible genealogical matches via DNA similarities. Some of them are pretty cl...
by red5
Fri Jun 23, 2017 4:17 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX dividend error?
Replies: 24
Views: 2948

Re: VTSAX dividend error?

I picked up on that as well. However I was able to calculate that the shares I received were not based on $58.50 but rather on the correct price (which was somewhere around $60.77 or so).
by red5
Fri Jun 16, 2017 4:17 am
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 14929

Re: Anyone else gotten totally bored with investing?

Yep :)

I get about 10 minutes of "excitement" a year when I invest my IRA contribution and balance my accounts at the same time. Then it's just checking asset allocation throughout the year for any rebalancing opportunities (which never come).
by red5
Sun Jun 04, 2017 4:40 am
Forum: Personal Consumer Issues
Topic: Trans-Labrador Highway advice and tips requested
Replies: 4
Views: 819

Re: Trans-Labrador Highway advice and tips requested

It has been quite a few years now but I once drove a highway up through Quebec and into Labrador City. I recall there being one tiny gas station along the way and a lot of pristine beauty. The entire road was gravel but in very good shape for the trucks. It was a lot of fun driving. I have never bee...
by red5
Fri May 19, 2017 3:42 am
Forum: Investing - Help with Personal Investments
Topic: Small Cap Value Tilt
Replies: 5
Views: 861

Re: Small Cap Value Tilt

I tilt using Vanguards VSIAX. It is a pretty modest tilt too. I keep it at a 1:5 ratio with the Total US Stock fund. I think you should ask yourself why you want to tilt. Is it because SCV has been doing quite well in the past (recency bias)? Is it because you genuinely believe SCV will outperform t...
by red5
Mon May 15, 2017 4:09 am
Forum: Personal Consumer Issues
Topic: Best UPF Comfortable Field Shirt
Replies: 15
Views: 1448

Re: Best UPF Comfortable Field Shirt

I just bought this short sleeve button shirt from Academy Sports . It is really comfortable and light. It is made of polyester. I think it offers 30 UPF. I normally wear medium shirts but had to get a small size so keep that in mind if you decide to order one online. Good price too. Academy also has...
by red5
Sun Apr 02, 2017 5:09 am
Forum: Personal Finance (Not Investing)
Topic: Am I understanding self employment correctly?
Replies: 7
Views: 979

Re: Am I understanding self employment correctly?

Thank you all so much. I'm gonna read over these responses a few more times to let things sink in. I had schedules and worksheets in front of me yesterday doing dry runs with Turbo Tax to see if I could get the numbers to match up (which they did!). I did the same thing when doing regular W2 taxes a...
by red5
Sat Apr 01, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Am I understanding self employment correctly?
Replies: 7
Views: 979

Am I understanding self employment correctly?

Hello folks, For 2017 I am being switched from a W2 employee to, uh, I guess a 1099-MISC contractor. This is my first time being paid like this. I've spent the morning going over estimated tax worksheets, schedule C, SE, self employment taxes and deductions, and I must admit it's a bit dizzying for ...
by red5
Wed Mar 29, 2017 3:45 am
Forum: Personal Finance (Not Investing)
Topic: How to easily organize personal finances
Replies: 31
Views: 2838

Re: How to easily organize personal finances

I keep several types of spreadsheets for: - taxes - assets - expenses - credit cards I also create custom spreadsheets for specific purposes, e.g., planning retirement. I don't use commercial software. Creating my own spreadsheets forces me to think about every cell I create and every number I ente...
by red5
Tue Mar 28, 2017 4:06 am
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 102
Views: 10327

Re: Best take it everywhere camera

I use a Sony DSC RX100 III (they have newer models now) that I bought used on Amazon and so far am happy with its results. It fits in my pocket and takes great photos. I am used to a Canon 50D (SLR).
by red5
Fri Mar 24, 2017 4:07 am
Forum: Investing - Help with Personal Investments
Topic: Converting a target day fund to a 3-fund portfolio?
Replies: 7
Views: 944

Re: Converting a target day fund to a 3-fund portfolio?

Would it be best to do it all at once or would another tactic be more reasonable? The concern I have is based on the most recent return of the Total Stock Market vs the Total International Stock Market. The last thing I want to do is buy high and sell low. All thoughts and suggestions are appreciat...
by red5
Sat Mar 04, 2017 6:05 am
Forum: Personal Finance (Not Investing)
Topic: (Military) Continue to pay off debt or Save for PCS? [Permanent Change of Station]
Replies: 9
Views: 711

Re: (Military) Continue to pay off debt or Save for PCS?

Won't the military pay for your PCS? Or reimburse you for any costs you incur? I PCSd over there during the last decade and the military paid for my move both ways. Where are you going? I was fortunate enough to spend 3 years in Germany. Time of my life. ] I'll be going to the UK. From what I'm tol...
by red5
Sat Mar 04, 2017 4:52 am
Forum: Personal Finance (Not Investing)
Topic: (Military) Continue to pay off debt or Save for PCS? [Permanent Change of Station]
Replies: 9
Views: 711

Re: (Military) Continue to pay off debt or Save for PCS?

Won't the military pay for your PCS? Or reimburse you for any costs you incur? I PCSd over there during the last decade and the military paid for my move both ways.

Where are you going? I was fortunate enough to spend 3 years in Germany. Time of my life.
by red5
Thu Mar 02, 2017 5:28 am
Forum: Investing - Theory, News & General
Topic: Is tilting with small cap and REIT still recommended if they are not available as index-funds?
Replies: 20
Views: 2419

Re: Is tilting with small cap and REIT still recommended if they are not available as index-funds?

Small cap and REIT are not even necessarily recommended at all. They are just a possibly riskier investment that has done well at various points in the past. Some choose to take this risk going forward. A basic total stock portfolio is another legitimate recommendation that you will often see here o...
by red5
Fri Feb 17, 2017 4:33 am
Forum: Investing - Help with Personal Investments
Topic: Really Vanguard? 48 Cents?!
Replies: 40
Views: 5278

Re: Really Vanguard? 48 Cents?!

This past January I contributed $5,500 to my money market account and from there invested in a few different mutual funds and ETFs. In the process I received a $0.03 dividend while some of that money waited in the money market fund. I thought I would make an attempt to invest that $0.03 into my Tota...
by red5
Fri Feb 10, 2017 4:50 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 31809

Re: Your USER NAME...what does it mean?

A long time ago in a galaxy far, far away there was this guy who did a lot of cool things.
by red5
Tue Jan 31, 2017 5:49 am
Forum: Investing - Help with Personal Investments
Topic: Alert on re balancing bands reached ?
Replies: 2
Views: 651

Re: Alert on re balancing bands reached ?

My Excel sheet will make a certain cell turn red. It is under conditional formatting if I recall correctly. Sorry I cannot offer any more help.
by red5
Wed Jan 11, 2017 4:19 am
Forum: Investing - Help with Personal Investments
Topic: Non-resident alien in Uruguay, which broker to choose for US investment?
Replies: 30
Views: 3001

Re: Which broker should I choose?

Are you located in the United States? Uruguay?
by red5
Fri Jan 06, 2017 5:53 pm
Forum: Personal Consumer Issues
Topic: Tell me all about snowblowers
Replies: 50
Views: 4338

Re: Tell me all about snowblowers

Also, I never ever stick my hand in there while it is turned on, not even when just the key is in the on position. While this is good, don't want to lull people into a false sense of safety. Nearly half of all limb injuries inflicted by snowblowers occur when the engine is NOT running. A typical sc...
by red5
Fri Jan 06, 2017 4:28 am
Forum: Personal Consumer Issues
Topic: Tell me all about snowblowers
Replies: 50
Views: 4338

Re: Tell me all about snowblowers

I use a 28" Ariens for a 300' driveway and can get it done in 30 to 60 minutes. That may be overkill for you. It is a beast. Also, I never ever stick my hand in there while it is turned on, not even when just the key is in the on position.
by red5
Thu Jan 05, 2017 5:11 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard statement error
Replies: 4
Views: 889

Re: Vanguard statement error

For my IRA some of my mutual funds came out with differing cost basis amounts by a few pennies. I inquired about it and they told me that their new method of calculating cost basis is more accurate since they round to more digits now. I didn't and don't buy that explanation but didn't seek anything ...
by red5
Wed Jan 04, 2017 9:51 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (December 2016)
Replies: 13
Views: 2463

Re: madsinger monthly report (December 2016)

I was also at 9.74% for 2016 (XIRR using Excel)

17/83 Fixed Income and Stocks (of which I am 60/40 US/INTL)
by red5
Tue Jan 03, 2017 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 11346

Re: Max It Out Tomorrow

Yep if you bought say the S&P 500 Index on January 4th 2016, you were in the hole until march. My Roth has VTI(Total US),VBR(Small Cap Value US),VXUS(Total International), and VSS(Small International). I am betting that at least one of those will be cheaper than today at some point, but you are...
by red5
Tue Jan 03, 2017 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 11346

Re: Don't Max It Out Tomorrow

Don't Max Out Tomorrow. If you're sitting on $5500/$6500 in cash and waiting to pull the trigger to fill your IRA tomorrow, then the damage is already done. But in the future, remember that "Time,Not Timing" matters. That is, you should have invested that money last year, rather than sitt...
by red5
Tue Jan 03, 2017 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 11346

Re: Max It Out Tomorrow

I will never max out on the first day again, last year sucked! I will be using a plan similar to Livesoft. At first I did not know what you were referring to as "last year sucked!". I looked at prices and saw that Total US Stock dropped about 10% over the first month. Is that what you are...
by red5
Tue Jan 03, 2017 5:28 am
Forum: Investing - Theory, News & General
Topic: How do you treat 401k Match for IRR Purposes?
Replies: 46
Views: 2578

Re: How do you treat 401k Match for IRR Purposes?

When using the Bogleheads Retruns spreadsheet, I purposely exclude contributions and withdrawals to get a pure investment return. However, I am rethinking how I input 401k matching contributions since its free money similar to a dividend. I realize its a contribution, but not my own money which is ...
by red5
Tue Jan 03, 2017 5:16 am
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 11346

Re: Max It Out Tomorrow

According to the Intelligent Investor by Benjamin Graham: "According to Ibbotson Associates, the leading financial research firm, if you had invested $12,000 in the Standard & Poor’s 500-stock index at the beginning of September 1929, 10 years later you would have had only $7,223 left. But...
by red5
Thu Oct 20, 2016 6:52 am
Forum: Investing - Help with Personal Investments
Topic: How do you track your portfolio's performance?
Replies: 40
Views: 3403

Re: How do you track your portfolio's performance?

I like numbers and "playing" with them. I use Excel. I am also a very passive investor.
by red5
Sat Oct 08, 2016 5:03 am
Forum: Personal Consumer Issues
Topic: Camera recommendations- Not SLR
Replies: 52
Views: 4875

Re: Camera recommendations- Not SLR

We recently bought a used Sony RX III on Amazon for the same reasoning (it is not fun to carry a bulky SLR backpacking). I think it was a bit more than $400. The pictures seem good but perhaps not quite as good as our SLR. The zoom does not reach far however but for me that is not a big issue. I wou...
by red5
Tue Sep 20, 2016 4:21 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 41832

Re: The Bogleheads' "100 Things Worth Every Penny" List

taking notes: would appreciate brand suggestions on the lightweight backpacking gear and polarized sunglasses. Do you have a nearby REI store? I have become quite a fan of them. They have a great selection of quality backpacking gear. Some of it is very pricey and some of it is merely pricey. Yet I...
by red5
Thu Sep 15, 2016 4:22 am
Forum: Investing - Theory, News & General
Topic: market timing
Replies: 41
Views: 3251

Re: market timing

...For example, I have funds on hand to buy, but at this point, given the bull market is the second longest in history, it seems logical to wait a bit to buy, as there is the likelihood of a downturn, and I will get more for my money if I buy after the downturn... I've been calling for a [significa...
by red5
Tue Sep 06, 2016 4:24 am
Forum: Personal Consumer Issues
Topic: Trip to Germany
Replies: 22
Views: 2485

Re: Trip to Germany

I miss Germany so much it makes me ache. Enjoy your trip. There are a million great things to do there. Do yourself a favor and get a Doner from a street stand or small restaurant at the beginning of your trip.
by red5
Fri Aug 19, 2016 4:33 am
Forum: Investing - Help with Personal Investments
Topic: spreadsheet [to organize a portfolio]
Replies: 23
Views: 2515

Re: spreadsheet

I recently discovered an online and free version of Excel. I haven't really checked it out yet but it might be worth it.
by red5
Thu Aug 04, 2016 4:32 am
Forum: Investing - Help with Personal Investments
Topic: Help: Calculating overall % gains
Replies: 10
Views: 640

Re: Help: Calculating overall % gains

I believe if you want to know how you are doing it is more meaningful to calculate your annualized rate of return rather than your overall return. Let me give you a couple of reasons why. Let's say you invested $100 and it has turned into $150 for a 50% gain. That 50% gain seems nice and is if you j...
by red5
Wed Jun 29, 2016 4:26 am
Forum: Investing - Theory, News & General
Topic: VTSMX vs VTI compounding interest?
Replies: 14
Views: 1928

Re: VTSMX vs VTI compounding interest?

Let's say I have 10K I want to put in either VTSMX or VTI. If I purchase 10K shares of VTSMX, with my understanding, I believe this will have higher compounding of interest over the long term, say 20-30 years, since share prices are lower and can therefore be bought quicker with the reinvested divi...
by red5
Fri Jun 03, 2016 4:31 am
Forum: Investing - Help with Personal Investments
Topic: Getting Started: USAA vs Vanguard?
Replies: 17
Views: 2221

Re: Getting Started: USAA vs Vanguard?

I don't exactly know if it matters or not. But consider using USAA for your banking and insurance needs and Vanguard for your investing needs. That is what I do and am happy with that.
by red5
Mon May 09, 2016 7:17 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to SC or TX
Replies: 31
Views: 3945

Re: Thinking of moving to SC or TX

Currently live in MO, but seriously considering moving to TX or SC. Anybody live there or have any advice or guidance on either location? Also - anybody ever sell their own house without using an agent? I spent 3 years in Greenville, SC but ultimately decided to move away due to the hot weather and...
by red5
Thu May 05, 2016 6:48 am
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 16025

Re: Sci-Fi ... your favorite movies and episodes??

Interested in seeing what the group likes best. My all time favorites are Avatar as a movie, the last two episodes of Star Trek Voyager, where Janeway time travels to defeat the Borg and return Voyager home. The Stargate introductory movie, the Star Trek Enterprise season end and start episodes whe...
by red5
Fri Apr 08, 2016 5:01 am
Forum: Personal Consumer Issues
Topic: Stay in city or move out to suburbs?
Replies: 33
Views: 3081

Re: Stay in city or move out to suburbs?

Only you can determine if the burbs are for you. It's a huge life decision and I sincerely hope you make the correct choice. I want to say that it also should not be a financial decision but rather a lifestyle decision (to include the schools). As for me, a few years ago I made the wrong choice (ras...
by red5
Thu Apr 07, 2016 4:28 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage payment same day as closing?
Replies: 8
Views: 928

Re: Mortgage payment same day as closing?

Last summer our closing date coincided with our payment due date. I simply called my bank and asked them what they wanted to do (also since giving payment can change the HUD numbers). They told me not to pay and that essentially my payment (along with the rest of the remaining balance) would be paid...
by red5
Thu Apr 07, 2016 4:24 am
Forum: Personal Consumer Issues
Topic: Dallas suburbs or Northern Virginia for me?
Replies: 87
Views: 8659

Re: Dallas suburbs or Northern Virginia for me?

Also, at the very least, rent and don't buy in either place until you know it is a place you want to settle down in.