Search found 776 matches

by vitaflo
Sat Aug 12, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Contractor job - what type of entity?
Replies: 12
Views: 772

Re: Contractor job - what type of entity?

I'm not sure. Who would file the 1099, the employer or the employee? The employer is Canadian with no US employees, so may not know what a 1099 is. The client files the 1099, but it doesn't much matter if they do. You need to report all income regardless of if you get a 1099 or not. A 1099 is just ...
by vitaflo
Sat Aug 12, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Contractor job - what type of entity?
Replies: 12
Views: 772

Re: Contractor job - what type of entity?

Have her file for an LLC with the state and get an EIN number for it from the IRS (more than likely the EIN is what the company is looking for). Set up a business bank account for checks to be deposited and expenses to be paid from. This can almost all be done online with not much money. For taxes s...
by vitaflo
Sun Aug 06, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Drinking water price craziness
Replies: 80
Views: 7142

Re: Drinking water price craziness

The Dan wrote:Turns out Aquafina water is pH 5, which I found surprisingly low.
This doesn't surprise me. A long time ago we used some extra Aquafina to fill a small fish tank (with one small fish). The fish died shortly thereafter. Never drank Aquafina again.
by vitaflo
Sun Jul 30, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 167
Views: 15176

Re: Tesla - next big lottery ticket ?

Tesla was a lottery ticket until early 2013. It's now worth $55 billion, more than Ford ($44 billion) and GM ($52 billion). For you to jump from "$350 a share to $1000 in less than a decade", Tesla would have to increase in value to $157 billion, which is about what Ford, GM, Honda and Mi...
by vitaflo
Sat Jul 22, 2017 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Any contractors who get benefits?
Replies: 9
Views: 863

Re: Any contractors who get benefits?

As a contractor, look into SEP-IRA's and Solo 401k's. Both are a lot better than typical employee 401ks. The limits are much higher per year (up to $53k). They are the best benefit an independent contractor gets IMO. Plus you can invest anywhere and not be stuck with the funds an employer sponsored ...
by vitaflo
Fri Jul 21, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 114
Views: 5677

Re: Would you let your teenager spend all his savings on a gaming computer?

I highly suggest the OP watch this video with Terry Crews talking about building a gaming PC with his son. He didn't take it as a "oh no, gaming? Really?" He used it as a way to bond with his son. It's absolutely wonderful. https://www.youtube.com/watch?v=Pda_JiX3_JE Use this as a way to b...
by vitaflo
Wed Jul 19, 2017 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help with XPath for ImportXML Google Sheets.
Replies: 16
Views: 1797

Re: Help with XPath for ImportXML Google Sheets.

If a formula like this brings in some data for the first time, I don't want google to look it up every time the spreadsheet loads. Anyway to do this?. Some sort of macro like NVL(cellvalue, GoogleFinance())? Even if your code example worked, the spreadsheet would still attempt to load the GoogleFin...
by vitaflo
Wed Jul 19, 2017 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Help with XPath for ImportXML Google Sheets.
Replies: 16
Views: 1797

Re: Help with XPath for ImportXML Google Sheets.

Solved my own problem! Using the Price & Performance tab, here are the Price and SEC Yield. =importXML("https://personal.vanguard.com/us/JSP/Funds/VGITab/VGIFundPricePerfTabContent.jsf?FundIntExt=INT&FundId=0085","//*[@id='currentQuoteForm:priceTabletbody0']/tr[1]/td[2]"...
by vitaflo
Wed Jul 19, 2017 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Help with XPath for ImportXML Google Sheets.
Replies: 16
Views: 1797

Re: Help with XPath for ImportXML Google Sheets.

After some digging, it looks like Vanguard is loading those tabs with straight HTML. So I watched the page load in the Dev Inspector Tools and found the corresponding url for each tab that you can use for an ImportXML call. Here they are: m m m m m To select a different fund to view, just change the...
by vitaflo
Wed Jul 19, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Help with XPath for ImportXML Google Sheets.
Replies: 16
Views: 1797

Re: Help with XPath for ImportXML Google Sheets.

Reviving this thread for a similar question... What would be the proper ImportXML formula and XPath to: 1. extract the Price or SEC Yield from: https://personal.vanguard.com/us/funds/snapshot?FundId=0085&FundIntExt=INT#tab=0 2. extract the P/E or P/B from: https://personal.vanguard.com/us/funds...
by vitaflo
Sun Jul 16, 2017 1:51 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 17834

Re: How are folks handling the unprecedented rise in the market ?

I paid off my mortgage in 2016 (I had 94k remaining in 2013). House value 230k I maxed my 401k in 2016 and will again in 2017. Maxed my Roth in 2015, 2016, and 2017. I contributed to my wife's Roth in 2016. 2017 is TBD. I've also been investing in my taxable - VTI and Berkshire Hathaway. Freedom of...
by vitaflo
Sun Jul 16, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: 4% mortgage rate vs 2.5% BND yield
Replies: 92
Views: 6913

Re: 4% mortgage rate vs 2.5% BND yield

Because the question isn't mortgage vs total bond fund, the question is mortgage vs overall portfolio return. If your overall portfolio is expected to return less than a tax adjusted 4% then yes, it would make sense to pay down your mortgage. These are not equivalent investments. Paying on a mortga...
by vitaflo
Tue Jul 11, 2017 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Making the Leap to Self-Employment
Replies: 16
Views: 1688

Re: Making the Leap to Self-Employment

One question I have, that I think aligns well with this and that I've heard discussed a bit before - when leaving a stable FT job paying $X/hr... how did you determine what rate to sell your time? (e.g 1.5X, 2X) And would you approach that differently if your first customer also happened to be the ...
by vitaflo
Tue Jul 11, 2017 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Making the Leap to Self-Employment
Replies: 16
Views: 1688

Re: Making the Leap to Self-Employment

I'm on my 7th year of contracting. Going into self-employment is by far the best financial decision I've ever made. I will probably end up retiring 10-15 years earlier than I would have otherwise. What were the circumstances that lead to you going out on your own? I won't sugar coat it, it was money...
by vitaflo
Mon Jul 10, 2017 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Issues rolling over Ameriprise Annuity to Vanguard. Help?
Replies: 6
Views: 531

Re: Issues rolling over Ameriprise Annuity to Vanguard. Help?

I had an issue too. Ameriprise called my wifes 401k rollover an IRA Annuity too. It took me 3 tries but we got it done. First it has to be originated with the proper Ameriprise form. Filled out, signed by your wife. Sent to Vanguard, signed there then they mail it to Ameriprise. Ameriprise lets it ...
by vitaflo
Mon Jul 10, 2017 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Issues rolling over Ameriprise Annuity to Vanguard. Help?
Replies: 6
Views: 531

Re: Issues rolling over Ameriprise Annuity to Vanguard. Help?

itstoomuch wrote:IRA s can only except cash.
Annuity->cash out->cash in fund.
You and they cannot do annuity to funding a ira.


I assumed they would just cash out the annuity, send the cash to Vanguard and vanguard would invest it per our request on the form, just like any other rollover.
by vitaflo
Mon Jul 10, 2017 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Issues rolling over Ameriprise Annuity to Vanguard. Help?
Replies: 6
Views: 531

Issues rolling over Ameriprise Annuity to Vanguard. Help?

My wife and I are on our 5th time trying to roll over an Amerprise Annuity (Riversource RAVA 4) over to a traditional IRA at Vanguard, and I'm about to pull my hair out over this process. I assume someone has successfully done this here so I'm looking for any guidance. The lowdown: - Wife has a Rive...
by vitaflo
Sun Jul 09, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7553

Re: how to destroy hard disk with personal info

Mudpuppy wrote: I think you're overthinking the situation.


I agree. Just zero the drive and encrypt it. Without the key the data is unusable. Not much reason to do any more than that unless you're a gov spy.
by vitaflo
Thu Jul 06, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Drum sets
Replies: 12
Views: 1058

Re: Drum sets

As others have said, Craigslist will have tons of used gear available. But I wouldn't get caught up in spending a bunch of money on drum shells (of course I say this and have a $1,000 snare drum as my avatar ). Most of the sound from a drum comes from the heads. If her current kit isn't some "F...
by vitaflo
Thu Jul 06, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4889

Re: Better hurry if you want a gas-engine Volvo

There is some ambiguity in the articles I've read. The press release states Volvo Cars, the premium car maker, has announced that every Volvo it launches from 2019 will have an electric motor... The key word here is launch. Plainly every new model introduced from 2019 onward will include an electri...
by vitaflo
Sat Jun 24, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Stop saving and start spending
Replies: 67
Views: 9427

Re: Stop saving and start spending

However, I am starting to wonder if we can start spending more than what we have been doing. We plan to work at least until I am 60 (17 more years). If we still invest $50K a year, can we start spending rest of the discretionary income while kids are still staying with us? I want us to be able to h...
by vitaflo
Fri Jun 23, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 25723

Re: Early Retirement - what to do about healthcare?

You're going to need an employer-based plan that stays with you in retirement as a benefit or at least COBRA. Anything short of that, you're going to be gambling a great deal. You're gambling either way because you'd still be at the mercy of an employer who can choose to do anything they want (or g...
by vitaflo
Mon Jun 19, 2017 9:59 am
Forum: Investing - Theory, News & General
Topic: Why Wouldn't Everyone Customize His Own Glidepath?
Replies: 17
Views: 2044

Re: Why Wouldn't Everyone Customize His Own Glidepath?

Should a 58 year old investor really doggedly stick to his investment policy statement which says don't decrease the equities until he is 60? Or should someone committed to decreasing 1% equities per year really decrease that slowly in the face of personal and market circumstances which have change...
by vitaflo
Tue Jun 13, 2017 6:03 pm
Forum: Investing - Theory, News & General
Topic: Top and bottom of AA usefulness
Replies: 19
Views: 1717

Re: Top and bottom of AA usefulness

As others have basically pointed out, absolute values do not matter. If you make $1 million per year but also spend $1 million per year you will never be able to retire and will have to work until the day you die. I find it interesting we talk a lot about percentages (4% SWR, Stock crash of 50%, 60/...
by vitaflo
Tue Jun 13, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Experience with HTTPS Everywhere?
Replies: 10
Views: 951

Re: Experience with HTTPS Everywhere?

All it does is make sure any time your browser hits a website, it uses the secure (https) version of it. That's literally all it does. You don't need to do anything with it, just let it work, it'll know what to do. Your browsing experience will be no different, just more secure.
by vitaflo
Tue Jun 06, 2017 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: High Income Earner Humbly Seeks Advice
Replies: 81
Views: 13396

Re: High Income Earner Humbly Seeks Advice

I really do need help with deciding on percentage & allocation for a plan in my situation. I think I will sleep better with a plan in writing. Help. Thoughts? If you can't decide, I would go 50/50 and call it a day. Your income vs your expenses means that whatever the market gives you will be n...
by vitaflo
Tue Jun 06, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: I'm considering buying a house in the $800k range.. can I?
Replies: 67
Views: 6635

Re: I'm considering buying a house in the $800k range.. can I?

I'm really curious how a 29 year old has a work at home job that pays upwards of $360k a year. Looking back at past posts, he was making about $100k two and a half years ago, so he has done well in performance over the last couple years. Understanding how likely his income will continue at this lev...
by vitaflo
Tue Jun 06, 2017 12:34 am
Forum: Investing - Help with Personal Investments
Topic: High Income Earner Humbly Seeks Advice
Replies: 81
Views: 13396

Re: High Income Earner Humbly Seeks Advice

I really do need help with deciding on percentage & allocation for a plan in my situation. I think I will sleep better with a plan in writing. Help. Thoughts? If you can't decide, I would go 50/50 and call it a day. Your income vs your expenses means that whatever the market gives you will be n...
by vitaflo
Sun Jun 04, 2017 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: High Income Earner Humbly Seeks Advice
Replies: 81
Views: 13396

Re: High Income Earner Humbly Seeks Advice

Did I read this right? You make ~$1.5M per year, have ~$3M in assets but have only $70k in expenses? Have you considered just calling it quits and enjoying your life? As for AA I would just do whatever let's you sleep at night. Money seems to be the least of your concerns. You're going to have more ...
by vitaflo
Sat Jun 03, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting Quandary
Replies: 46
Views: 6975

Re: Inheritance Decision

No one seems to speak of the tremendous advantage of ongoing 1/10th the property tax in very expensive California area. Monetized it would give single residence inheritor maybe 400k more than others. While I understand what you're saying, as has been noted in this thread from those with experience,...
by vitaflo
Sat Jun 03, 2017 7:56 pm
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 9354

Re: Everything keeps going up, this feels too easy?

This is why I don't use an age-based glide path, I use a "percent to completion" one. IE, figure out how much money I need for retirement and what AA I want at retirement, and figure out how close I am to that goal with my current portfolio balance. Then calculate my AA based on that. Tha...
by vitaflo
Sat Jun 03, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting Quandary
Replies: 46
Views: 6975

Re: Inheritance Decision

My objective is to continue living in this area, to which I am native, in a SFR, for the least cost, balancing that with a desire for the least amount of co-ownership complexity. For simplicity's sake, because of how many co-owners there will be with the other properties, if they decide not to sell...
by vitaflo
Sat Jun 03, 2017 5:08 pm
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 9354

Re: Everything keeps going up, this feels too easy?

I get that bull markets can last a long time and go much higher than you think, but if markets keep running really hot, I can't help thinking that dialing back an AA a little faster than the traditional age based glide path makes a ton of sense. Thoughts? This is why I don't use an age-based glide ...
by vitaflo
Sat Jun 03, 2017 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Can I Safely Retire?
Replies: 56
Views: 6265

Re: Can I Safely Retire?

As for paying off the 6.55% loan, I hear you. However, I've been getting 15% annualized returns on my portfolio since November '16, so I'm inclined to let that money ride it out until the market cools off. All the more reason to sell it to pay off the loan(s). You've made your returns on that money...
by vitaflo
Sat Jun 03, 2017 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Can I Safely Retire?
Replies: 56
Views: 6265

Re: Can I Safely Retire?

It's amazing how much more it costs to be married, even without kids. How is this remotely true when if you're married you have the ability to have dual income and split all the bills you otherwise would have to pay 100% for if you were single? It's not like the cable bill is twice as expensive whe...
by vitaflo
Wed May 31, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: Paying someone to build a website
Replies: 28
Views: 2567

Re: Paying someone to build a website

We paid around 5,000 to have a basic Woocommerce WordPress site set up. We moved most of the individual items for sale over, so 5,000 was for the basic home page shopping cart, blog, categories framework ect. It sounds like what you need should be simpler then that. We used EMWD (emerging marketing...
by vitaflo
Tue May 30, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 107
Views: 14249

Re: i am my own "guy," but not sure I should advertise that

Those who know me know I handle my portfolio myself. Those who ask generally think investing is some form of mystic science they could never understand and don't want to put the time into reading and learning how simple it is. Yup. And of the people who say to me "I'd like to pick your brain a...
by vitaflo
Mon May 29, 2017 4:14 pm
Forum: Investing - Theory, News & General
Topic: Why Are U.S. Stocks So Expensive Today?
Replies: 41
Views: 5348

Re: Why Are U.S. Stocks So Expensive Today?

65% of Apple's revenue comes from outside the US. Does it really matter what US GDP is in that case? I realize that the US economy has great influence on the world markets but as companies become more and more globalized, wouldn't it be prudent to look at worldwide economic data and not just US deri...
by vitaflo
Mon May 29, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Renting a condo but owner didn't pay property taxes
Replies: 10
Views: 2695

Re: Renting a condo but owner didn't pay property taxes

I went through basically this same thing many years ago. This is how it turned out: We became aware 2 months into a 12 month lease that the owner hadn't paid property taxes in 5 years and was in risk of having the state seize the home. I believe his back taxes were $20,000 on a small townhome. This ...
by vitaflo
Sun May 21, 2017 6:15 pm
Forum: Investing - Theory, News & General
Topic: Home Country Bias...makes sense?
Replies: 235
Views: 10681

Re: Home Country Bias...makes sense?

I wonder if anyone actually overweights not just the U.S. but also, say, New Zealand and Australia (I know that proposal was put on the table by another poster). I wouldn't go crazy with the weightings, but it would make a little sense if you believed in such a "difficult-to-invade" premi...
by vitaflo
Sun May 21, 2017 4:49 pm
Forum: Investing - Theory, News & General
Topic: Home Country Bias...makes sense?
Replies: 235
Views: 10681

Re: Home Country Bias...makes sense?

Whenever I look at any period greater than about twenty years, the U.S. has come out on top. It's come out on top compared to the entire rest of the world perhaps. Australia killed the US for the first 50 years of the 20th century, and as others have said Australia has kept pace with the US since 1...
by vitaflo
Sat May 20, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)
Replies: 114
Views: 16028

Re: My dad is taking Social Security at 62, why would anyone not? (If they already quit working)

For this topic, I've always appreciated this old post by cut-throat:

"Delay Social Security to age 70 and Spend more money at 62"
viewtopic.php?t=102609
by vitaflo
Thu May 18, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Neighbor draining onto / flooding my patio and yard daily - what can I do?
Replies: 59
Views: 5543

Re: Neighbor draining onto / flooding my patio and yard daily - what can I do?

It sounds like you have a drainage problem that you need to fix. Surely a person has a right to water their lawn. Surely he has a right, but watering every day is one of the dumber things he can do to his lawn. If your lawn is healthy you shouldn't have to water more than once per week, and that's ...
by vitaflo
Thu May 18, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Tesla Solar Roof
Replies: 81
Views: 9015

Re: Tesla Solar Roof

I think the very fact that there are HOAs that actively ban the installation of rooftop solar in neighborhoods implies that there are individuals who either think that: 1. Solar panels are ugly or at least not architecturally consistent with the style of the homes in the neighborhood. 2. That the i...
by vitaflo
Thu May 18, 2017 2:09 pm
Forum: Investing - Theory, News & General
Topic: International: Where's the benefit?
Replies: 63
Views: 5525

Re: International: Where's the benefit?

Still, the average differences are staggering - certainly makes one realize that - even if you're in the long, long-term game, if you enter the market at the wrong time, you could be pretty much permanently at a disadvantage. I see this type of thing said a lot and I find it to be totally wrong. Wh...
by vitaflo
Thu May 18, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 13744

Re: For those with $500k-$1m in investments...

50/50. However I have >$1m in investments.

I add to taxable after I max out tax-advantaged. So far, about the same amount goes into both every month.
by vitaflo
Sun May 14, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 143
Views: 35926

Re: Time to reach 1M and 2M milestones

As far as how long it takes, it is pretty much all market timing once your contribution is small relative to portfolio size (i.e. someone saving 20k with a 1 million dollar portfolio). The guy in 1995 with a 80/20 portfolio would have double his money in 3 years. The 2000 guy would have taken 14 ye...
by vitaflo
Fri May 05, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Retirement income for 50+ years?
Replies: 167
Views: 15773

Re: Retirement income for 50+ years?

I just got off a call with Personal Capital who claims that "Tactical Weighting" is better than market-cap weighting of index funds. Essentially make your own "fund" with a basket of stocks that are evenly distributed amongst 10 sectors and also more spread out amongst size (sma...
by vitaflo
Fri May 05, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: have you accepted a lower cost lifestyle to retire early?
Replies: 71
Views: 9696

Re: have you accepted a lower cost lifestyle to retire early?

-as to housing, we currently pay $2400 a month for a 780sf nice 1 br/1ba. We'd hope to lower our rent/mortgage equivalent for a place of similar size...perhaps slightly larger with an extra half bath, in a cheaper area. This is your "problem" right here. Moving to a LCOL area will decreas...
by vitaflo
Tue Apr 25, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 13508

Re: Will cars be autonomous in three years?

I think some of you folks need to see what the current crop of experimental (but near ready) cars can already do. This is another good video of how this stuff works. A TED talk by a Google employee. And it's 2 years old. The tech has come quite a ways since even this, which is rather impressive: m