Search found 787 matches

by vitaflo
Mon Oct 16, 2017 10:58 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Non-US Valuations Look Attractive
Replies: 73
Views: 6855

Re: Larry Swedroe: Non-US Valuations Look Attractive

Keep in mind total Int is made up of 16% EM. Depending on your AA, you may already have enough EM exposure for your liking.
by vitaflo
Fri Oct 13, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 103
Views: 6341

Re: How many miles/years do you keep your car?

Always buy new, sell when 10 years old or 150,000 miles, whichever comes first.
by vitaflo
Sun Oct 01, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: GE Fridge Water Dispenser issue
Replies: 9
Views: 765

Re: GE Fridge Water Dispenser issue

I discovered on my model, GE didn't put enough insulation on the freezer door, so the water line would freeze at random times. This is the most likely answer, as I (and all my neighbors in our development who have GE fridges) have the same problem. After the 3rd time of trying to get the line unfro...
by vitaflo
Sat Sep 23, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: The Magic of Savings Rate
Replies: 97
Views: 10872

Re: The Magic of Savings Rate

The reason MMM's formula is simple is because it's trying to explain a simple concept. That savings rate has a larger influence on retirement timelines than just income does. That's it. If you're looking into it any more than that you're wasting your time and missing the point. I've shown dozens of ...
by vitaflo
Fri Sep 22, 2017 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: $3.6 million at age 25 - need investment advice
Replies: 44
Views: 5379

Re: $3.6 million at age 25 - need investment advice

ThriftyPhD wrote:
Fri Sep 22, 2017 4:37 pm
don't tell anyone.
This. Those of us who became millionaires early learn this lesson fast. Nothing good ever comes of telling everyone how much money you have at a young age. Trust me.
by vitaflo
Fri Sep 22, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: $3.6 million at age 25 - need investment advice
Replies: 44
Views: 5379

Re: $3.6 million at age 25 - need investment advice

First of all, kudos to "selling high". But you also got very lucky. You've basically already won the game, and you have a lot of options available to you, but financially, they're pretty boring. Other than making sure you pay your taxes correctly, I would perhaps think more like someone who is close...
by vitaflo
Fri Sep 22, 2017 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: 1099 employees how do you mentally handle taking time off?
Replies: 25
Views: 1369

Re: 1099 employees how do you mentally handle taking time off?

I have trouble taking time off because I see it as subtracting dollars from my wallet, instead of just not making them. I think hey I should take the afternoon off and do ..., but then I think not only will it cost me the price of the activity but it cost me 4 hours of billable time. Obviously, any...
by vitaflo
Fri Sep 22, 2017 10:05 am
Forum: Investing - Theory, News & General
Topic: No More Saving???
Replies: 114
Views: 10470

Re: No More Saving???

Just wondering how many BH out there got to a point [in one's working years] where the need to save for retirement stopped? For example, has anyone stopped the accumulation phase before retiring? If so, please describe your situation. We have gotten to that point yes. If we put zero more dollars in...
by vitaflo
Sat Sep 16, 2017 11:02 am
Forum: Investing - Theory, News & General
Topic: S & P broke major technical/psychological number
Replies: 21
Views: 2822

Re: S & P broke major technical/psychological number

Also, not sure what "key psychological number" is supposed to mean. Don't remember Freud writing about that in my college textbooks. If 2500 is a "key psychological number" than is 3000 an even more "key psychological number"? People put auto-sells at round numbers. It's pretty common. 2500 is a ni...
by vitaflo
Thu Sep 07, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: What is the main purpose of holding your current job?
Replies: 66
Views: 5556

Re: What is the main purpose of holding your current job?

I'll be doing my job the rest of my life. The difference is right now I do it for other people for money and when I retire I'll only do it for myself for free.

I'm much more excited to do the later, but because I need to eat, I do the former.
by vitaflo
Wed Sep 06, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Wife believes 7+% returns from stock market are guaranteed
Replies: 64
Views: 5733

Re: Wife believes 7+% returns from stock market are guaranteed

Not sure what's with all the snarky answers here. The reason banks don't put their money into stocks and instead lend it out for 4% is because stocks are a riskier investment than a mortgage. But risk means just that, the risk to lose it all. A Powerball ticket could have a 5 Billion % return, but t...
by vitaflo
Sat Aug 12, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Contractor job - what type of entity?
Replies: 12
Views: 939

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: 939

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: 79
Views: 7801

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: 177
Views: 17429

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 Mitsubishi c...
by vitaflo
Sat Jul 22, 2017 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Any contractors who get benefits?
Replies: 9
Views: 931

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: 123
Views: 7287

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 bond with y...
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: 2003

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: 2003

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]") FYI, there's an even easie...
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: 2003

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: https://personal.vanguard.com/us/JSP/Funds/VGITab/VGIFundOver...
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: 2003

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/sna...
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: 18757

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: 7379

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: 1843

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: 1843

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: 579

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: 579

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: 579

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: 8180

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: 1192

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 :wink: ). Most of the sound from a drum comes from the heads. If her current kit isn't some ...
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: 5583

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: 9894

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: 27535

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: 2188

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: 1848

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: 1082

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: 14097

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 nothi...
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: 7030

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: 14097

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 nothi...
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: 14097

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: 7347

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: 9857

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. That way when...
by vitaflo
Sat Jun 03, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting Quandary
Replies: 46
Views: 7347

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: 9857

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: 60
Views: 8008

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: 60
Views: 8008

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: 2755

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: 14736

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 and le...
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: 5520

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: 2785

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 ...