Search found 103 matches

by Roothy
Tue Dec 05, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: service life of (walk behind) lawn mower?
Replies: 45
Views: 2933

Re: service life of (walk behind) lawn mower?

We have a small lawn/yard - single family home. A few years ago, we went to an electric rotary mower - and it served us well for many years. When it died, the timing was great because a good friend gave us an even better model because she had begun to use a lawn service a few years before. I have n...
by Roothy
Wed Nov 15, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4725

Re: Fair way to split expenses?

All, In order to prevent future fights and difficulties with money, my wife and I have decided to have separate bank accounts and funnel money to a joint account that auto pays our bills. I would like to ask advice from those who have done anything remotely similar as to the best way to determine h...
by Roothy
Wed Nov 15, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15155

Re: Why pay cash for a car?

When negotiating a price, the dealer will take into account whether you are paying cash or financing. You will pay for a below-market finance rate in the sale price of the car. I have not found this to be true at all. These days, I do all my negotiating on-line. The salesman and I settle on an out-...
by Roothy
Wed Oct 04, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 130
Views: 14413

Re: MoviePass-Too good to be true, but it's legit.

I ordered the card 8/31 and have now been waiting over a month to receive it. The roll out of the new, lower priced subscription was seriously bungled. There are some people who ordered the card almost two months ago and still haven't received it. Some others ordered it a couple of weeks ago and alr...
by Roothy
Mon Oct 02, 2017 2:41 pm
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 47
Views: 4533

Re: So... What bond fund or bond-like instrument do you use?

social security, and my house

(OK, and a little bit of Vanguard Total Bond)
by Roothy
Wed Mar 29, 2017 7:27 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1114817

Re: U.S. stocks in freefall

That chart has a logarithmic y-axis. So the return advantage from all-stocks is actually quite a bit better than this looks.
by Roothy
Fri Jan 06, 2017 7:31 am
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 105
Views: 9085

Re: What inflation rate do you use for your planning?

As a combination of points a few have made: 1) One risk of inflation is that the income generated from your investments will be outpaced by the growth in your expenses. You can alleviate this risk by careful asset allocation to assets that grow with inflation--the higher your allocation of stocks, f...
by Roothy
Tue Dec 13, 2016 11:35 am
Forum: Investing - Help with Personal Investments
Topic: A small new wrinkle on the old DCA vs lump sum question
Replies: 7
Views: 666

Re: A small new wrinkle on the old DCA vs lump sum question

This is all excellent advice. I was thinking 100% total stock for him because I was thinking of the $30K in savings as the bond-like portion, giving him about 75/25. He's young and has a very stable income. My own allocation is much more aggressive: 90/10, with 20% of the stocks in international (an...
by Roothy
Tue Dec 13, 2016 10:12 am
Forum: Investing - Help with Personal Investments
Topic: A small new wrinkle on the old DCA vs lump sum question
Replies: 7
Views: 666

A small new wrinkle on the old DCA vs lump sum question

I have finally--FINALLY!!--convinced my husband to invest in the market rather than leaving it all in an (ugh) savings account. I managed to convince him by saying how sad I was to see him missing the market run up. He has about $130,000. Even though the best thing, research-wise, is unambiguously a...
by Roothy
Sun Dec 11, 2016 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Equity Placement: TLH & Tax Deferred Pointers
Replies: 5
Views: 528

Re: Equity Placement: TLH & Tax Deferred Pointers

I believe you also have to think about how those difference sources of returns will be taxed. Highly volatile asset classes (like stocks) will have a higher return--but more of the return will be taxed at the (usually much) lower capital gains tax rate. Low volatility assets (like bonds) will have a...
by Roothy
Sat Dec 10, 2016 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: combining TLH with tax-efficient allocation and reallocation to int'l funds
Replies: 8
Views: 543

Re: combining TLH with tax-efficient allocation and reallocation to int'l funds

I can avoid both problems you identify by taking his advice and just using a very different bond fund (like an intermediate bond fund). Maybe. Both of those bond funds are intermediate term bond funds. So you need to look for something other than just that. I didn't know that--I thought Total Bond ...
by Roothy
Sat Dec 10, 2016 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: combining TLH with tax-efficient allocation and reallocation to int'l funds
Replies: 8
Views: 543

Re: combining TLH with tax-efficient allocation and reallocation to int'l funds

I honestly don't know about the two total bond funds. I made an assumption that they were largely the same--but now that I think about it, it's almost impossible to imagine they could be. There are just so many different types and sources of bonds, even just in the US--could a "total" bond...
by Roothy
Sat Dec 10, 2016 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: combining TLH with tax-efficient allocation and reallocation to int'l funds
Replies: 8
Views: 543

Re: combining TLH with tax-efficient allocation and reallocation to int'l funds

I know I could count on you, livesoft! Thanks! I'm actually considering switching to an intermediate term bond fund anyway, as per some folks' recommendation (e.g. Bogle and Buffet), so I think I'll just buy that in the tax advantaged account. With livesoft's blessing, I definitely feel I can procee...
by Roothy
Sat Dec 10, 2016 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: combining TLH with tax-efficient allocation and reallocation to int'l funds
Replies: 8
Views: 543

combining TLH with tax-efficient allocation and reallocation to int'l funds

I am pretty sure what I am proposing to do is very sensible, but I'd appreciate a kind pat on the hand of reassurance before I act. I currently have a large chunk of Vanguard Total Bond fund in my taxable account. It currently registers a short term loss of a few hundred dollars. My plan is to sell ...
by Roothy
Fri Sep 09, 2016 3:16 pm
Forum: Local Chapters and Bogleheads Community
Topic: 2016 Annual Conference Bogleheads Vegans & Vegetarians
Replies: 5
Views: 896

Re: 2016 Annual Conference Bogleheads Vegans & Vegetarians

I've no intention of going to this conference, but I am a long time vegan, and last time I was in Philly, I went to [name removed, see below. --admin LadyGeek] . It is a vegan restaurant, and many argue it is the best restaurant in town (not just "best vegan restaurant", but best restauran...
by Roothy
Fri Sep 02, 2016 10:28 am
Forum: Personal Consumer Issues
Topic: Favorite Vegan Products
Replies: 57
Views: 4998

Re: Favorite Vegan Products

Oh man, so many. Gardein products are great, as are Beyond Meat. For cheese, try Daiya products. Also the fancy/expensive aged/fermented ones from Kite Hill, Miyoko Schkinner and the like (you'll find them at hippy stores and Whole Foods). Don't be fooled into thinking these are healthy. You can hav...
by Roothy
Tue Aug 16, 2016 10:04 am
Forum: Personal Consumer Issues
Topic: Cordless battery powered yard tools?
Replies: 21
Views: 3081

Re: Cordless battery powered yard tools?

Did any of you use electric mower? I am interested in that particular tool. I have the bigger Black and Decker mower. Ordered on amazon, free shipping. The first two didn't work, but third time was the charm, and I have loved it ever since (about five years). The first two being lemons was a pain, ...
by Roothy
Fri Aug 12, 2016 1:14 pm
Forum: Investing - Theory, News & General
Topic: How Fama, Shiller, Taleb, Kahneman, Thaler ... compare?
Replies: 55
Views: 6268

Re: How Fama, Shiller, Taleb, Kahneman, Thaler ... compare?

The one quibble is that Taleb is in fact an academic! Another quibble: He is not an engaging writer. LOL--I actually agree with you, in the sense that he really beats a dead horse. But his books have sold really well, and they're popular press, which makes them a lot more engaging and accessible th...
by Roothy
Fri Aug 12, 2016 1:07 pm
Forum: Investing - Theory, News & General
Topic: How Fama, Shiller, Taleb, Kahneman, Thaler ... compare?
Replies: 55
Views: 6268

Re: How Fama, Shiller, Taleb, Kahneman, Thaler ... compare?

Huh! I stand corrected. Because of his background in practice, I just made assumptions.
by Roothy
Fri Aug 12, 2016 10:25 am
Forum: Investing - Theory, News & General
Topic: How Fama, Shiller, Taleb, Kahneman, Thaler ... compare?
Replies: 55
Views: 6268

Re: How Fama, Shiller, Taleb, Kahneman, Thaler ... compare?

I'll bite. Anyone feel free to correct me where I'm wrong. I put the writers you've listed into three groups: Fama Kahneman, Thaler, Shiller Taleb Fama is a believer in efficient markets. Not that there's not error, it's just that the error is not systematic, and when it exists, it gets quickly corr...
by Roothy
Tue May 24, 2016 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of renting Florida place for a month
Replies: 15
Views: 1917

Re: Cost of renting Florida place for a month

I just went through this process. Your budget is about right. My husband and I looked for places for the month of May from north of Miami down to Key West. Checking pretty much every Air BnB and VRBO on offer, a one bedroom, nice condo with a solid beach view, parking, and all utilities included, it...
by Roothy
Fri Feb 19, 2016 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: I've had it with USAA insurance
Replies: 26
Views: 3833

Re: I've had it with USAA insurance

for your homeowners check all your coverage options. i realized i was overinsuring myself in some areas and underinsuring in others. (at USAA). yes, good point--but I'm neither over nor underinsuring as far as I can tell. (For instance, I'm not paying for flood or mine subsidence insurance, which a...
by Roothy
Fri Feb 19, 2016 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: I've had it with USAA insurance
Replies: 26
Views: 3833

Re: I've had it with USAA insurance

The umbrella insurance is high, the cars seem pretty good and the houses seem average to me. Unfortunately you have to look at it all as a whole as often buying separately costs more due to multi-line discounts that insurers provide to get you to insure everything with them. Yes, USAA def. does tha...
by Roothy
Fri Feb 19, 2016 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: I've had it with USAA insurance
Replies: 26
Views: 3833

I've had it with USAA insurance

I have two automobiles (2009 Honda Hit, 2015 Subaru Outback). I pay about $400/year for the Honda, with no collision coverage and about $460/year for the Subaru with full coverage and a $1000 deductible. (Personal injury and property damage are high, 300K/500K injury and 100K property--I have to do ...
by Roothy
Thu Dec 31, 2015 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Roll Call for Tax-Loss Harvesting Class of 2015
Replies: 62
Views: 4141

Re: Roll Call for Tax-Loss Harvesting Class of 2015

I did! One wave was during the big drop of the year; the second wave I'm still in the middle of--that is, I might (or might not) get back into my original positions on Jan. 1 which is the earliest I would be "allowed." I managed to harvest over $17,500. Generating a couple of tiny wash sal...
by Roothy
Wed Dec 16, 2015 5:45 pm
Forum: Personal Consumer Issues
Topic: Advice on Selling Engagement Ring
Replies: 73
Views: 6946

Re: Advice on Selling Engagement Ring

Sell the ring. Find a woman who thinks expensive jewelry is ridiculous, and is happy with a cubic zirconium--or better still, an unadorned tungsten band that no one can confuse with a blood diamond.

Yes, we exist.
by Roothy
Fri Dec 11, 2015 11:37 am
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 262
Views: 37445

Re: TLH for absolute dummies [Tax Loss Harvesting]

I have no strong opinion on whether a dedicated page would help, but my weak opinion is "yes, it would help." I personally found the main TLH page too complicated for me--a rank beginner. And while we're on the subject of being a rank beginner... livesoft had a theory about Thanksgiving an...
by Roothy
Fri Dec 04, 2015 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Tax tips for dual, high income household
Replies: 20
Views: 4187

Re: Tax tips for dual, high income household

If you haven't gotten married, don't. If you have, you're out of luck--the IRS doesn't look kindly on sham divorces.
by Roothy
Thu Nov 05, 2015 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Chase no longer works with Quicken?
Replies: 25
Views: 17694

Re: Chase no longer works with Quicken?

I've not been able to download transactions from Chase (visa, car loan) in a couple of weeks. I've simply stopped using the credit card, and won't resume unless they allow Quicken Direct Connect again. Life is too short to individually download accounts--I have something on the order of 20, between ...
by Roothy
Thu Oct 22, 2015 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: LTC insurance AGGHH !!! Can I self-insure ?
Replies: 53
Views: 6529

Re: LTC insurance AGGHH !!! Can I self-insure ?

Hi Roothy, This is another example of misinformation being spread by the media. Every long-term care insurance company offers policies with 5 years of benefits or more. 5 companies offer policies with 6 years of benefits. 3 companies offer policies with 8 years of benefits. 1 company offers a polic...
by Roothy
Thu Oct 22, 2015 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: LTC insurance AGGHH !!! Can I self-insure ?
Replies: 53
Views: 6529

Re: LTC insurance AGGHH !!! Can I self-insure ?

Hi Roothy, If you read the comments in that Forbes article you'll see that Mr. Baldwin doesn't know what he's talking about. And, yes, re-allocating your housing and food expenses to pay for your care in a nursing home makes sense if you're single. If you have a spouse who wants to stay at home, th...
by Roothy
Thu Oct 22, 2015 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: LTC insurance AGGHH !!! Can I self-insure ?
Replies: 53
Views: 6529

Re: LTC insurance AGGHH !!! Can I self-insure ?

Another problem I have with LTC insurance as it is sold today is that it's hard--maybe even impossible--to buy coverage for what I really need: the risk that I'll need *many* years of LTC. Several people on this thread have pointed out that there's a *chance* you might need it for 10+ years. I agree...
by Roothy
Thu Oct 22, 2015 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: LTC insurance AGGHH !!! Can I self-insure ?
Replies: 53
Views: 6529

Re: LTC insurance AGGHH !!! Can I self-insure ?

This is what I think of LTC insurance: m Also, the math never seems to make sense to me. The average private room nursing care is about $230/day, so about $85K a year. If I'm in a nursing home, I'm not spending money on my house, vacations, internet, groceries, or anything else. So can't I cover $85...
by Roothy
Fri Oct 02, 2015 2:19 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 262
Views: 37445

Re: TLH for absolute dummies [Tax Loss Harvesting]

Now I am all-out rooting for the market to implode tomorrow... This seems a bit perverse. By all means, harvest your losses when the opportunity presents itself, but don't lose sight of the fact that we generally want the market to go up . Thanks for writing what I was thinking. I'd be thrilled if ...
by Roothy
Wed Sep 30, 2015 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: prenup in case of divorce
Replies: 75
Views: 6874

Re: prenup in case of divorce

+ 1 If you're married, you have a pre-nup. Even if you think you don't Similarly, you already have a "contract" as to how monetary liability will be determined if you physically abuse your spouse (state tort law). But did you sit down with your spouse and think through how you two want th...
by Roothy
Wed Sep 30, 2015 10:05 am
Forum: Personal Finance (Not Investing)
Topic: prenup in case of divorce
Replies: 75
Views: 6874

Re: prenup in case of divorce

I am not adamant about young people with no assets making a hypothetical divorce agreement before they even start, but it doesn't taste good to me. I think this is where many people get off the train--and it's a shame. Only a small part of a prenup is about "hypothetical divorce." No doub...
by Roothy
Wed Sep 30, 2015 9:14 am
Forum: Personal Finance (Not Investing)
Topic: prenup in case of divorce
Replies: 75
Views: 6874

Re: prenup in case of divorce

A pre-nup for two people starting from scratch where neither have significant assets would not be particularly useful but a second marriage where both parties have built up assets and retirement is a different case, especially to protect the interests of children. Wilson I agree with Wilson that a ...
by Roothy
Wed Sep 30, 2015 9:09 am
Forum: Personal Finance (Not Investing)
Topic: prenup in case of divorce
Replies: 75
Views: 6874

Re: prenup in case of divorce

I have one, and love it--in no small part because it forces you to sit down and talk about finances rigorously. You can outline how you plan to allocate costs, how property will be owned, etc. in advance--and this way there are fewer confusions and hurt feelings *during an intact, happy marriage* ab...
by Roothy
Tue Sep 29, 2015 7:18 am
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 262
Views: 37445

Re: TLH for absolute dummies [Tax Loss Harvesting]

randomizer wrote:
Roothy wrote:Now I am all-out rooting for the market to implode tomorrow...

This seems a bit perverse. By all means, harvest your losses when the opportunity presents itself, but don't lose sight of the fact that we generally want the market to go up.


I'm pretty sure I'm not omnipotent, so you're safe. ;)
by Roothy
Mon Sep 28, 2015 3:11 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 262
Views: 37445

Re: TLH for absolute dummies [Tax Loss Harvesting]

Well, that sucked. I waited until 15 minutes before closing to try to make my roundtrip home--and Vanguard's website would not let me do it, because they GRANDFATHERED me into the 60 day restriction for frequent trading. Of course, the website itself doesn't tell me that--I had to call to find out, ...
by Roothy
Mon Sep 28, 2015 1:46 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 262
Views: 37445

Re: TLH for absolute dummies [Tax Loss Harvesting]

livesoft wrote:Have we created a Monster? ;)



LOL--yes. My next project: mega back door Roths. You will be seeing me again, my friend.
by Roothy
Mon Sep 28, 2015 1:35 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 262
Views: 37445

Re: TLH for absolute dummies [Tax Loss Harvesting]

Just thought I'd post a coda about my own TLH, that inspired my original post. Thirty days ago from last Saturday, I moved all my VTSAX (total market) and VFIAX (S&P 500) into VLCAX (a large cap index). I moved all my VTIAX (international total market) into VFWAX (all world ex-US). A few days la...
by Roothy
Fri Sep 25, 2015 1:36 pm
Forum: Investing - Theory, News & General
Topic: TLH (tax-loss harvesting) & quarterly dividends
Replies: 57
Views: 4754

Re: TLH (tax-loss harvesting) & quarterly dividends

Thanks, HouseBlend! I love this board. :)
by Roothy
Fri Sep 25, 2015 8:58 am
Forum: Investing - Theory, News & General
Topic: TLH (tax-loss harvesting) & quarterly dividends
Replies: 57
Views: 4754

Re: TLH (tax-loss harvesting) & quarterly dividends

So does anyone know whether Vanguard's announcement was a mistake? Typically, that dividend paydays are kept under wraps, and trading on the knowledge (if not public, as here, it was) would be insider trading? It sure would be nice in the future to do as livesoft proposes. Incidentally, a few people...
by Roothy
Wed Sep 23, 2015 10:17 am
Forum: Investing - Theory, News & General
Topic: TLH (tax-loss harvesting) & quarterly dividends
Replies: 57
Views: 4754

Re: TLH (tax-loss harvesting) & quarterly dividends

But don't I have to pay that at ordinary income, no matter how long I wait? I thought the preferred treatment of dividends as LTCG when "qualified" was a federal income tax thing. Therefore, how my state treats it--that is, as income, no matter how long I hold the fund--shouldn't affect m...
by Roothy
Wed Sep 23, 2015 9:35 am
Forum: Investing - Theory, News & General
Topic: TLH (tax-loss harvesting) & quarterly dividends
Replies: 57
Views: 4754

Re: TLH (tax-loss harvesting) & quarterly dividends

Yes, you just have to compute the numbers. So, if I move it back on Day 31 (avoiding a wash sale), then my dividends will be treated as unqualified, and therefore taxed at my marginal income tax rate (28%) rather than the lower LT capital gain rate (15%). Then you just calculate: the "penalty&...
by Roothy
Wed Sep 23, 2015 9:25 am
Forum: Investing - Theory, News & General
Topic: TLH (tax-loss harvesting) & quarterly dividends
Replies: 57
Views: 4754

Re: TLH (tax-loss harvesting) & quarterly dividends

How would one determine whether TLHing is worth violating the 61 day rule? There are probably many ways to do that, but one way might be to determine how much extra taxes one would pay because they got a non-qualified dividend instead of a qualified dividend or partially qualified dividend. If thos...
by Roothy
Mon Sep 21, 2015 2:28 pm
Forum: Investing - Theory, News & General
Topic: Do I need professional Tax-Loss Harvesting?
Replies: 16
Views: 1210

Re: Do I need professional Tax-Loss Harvesting?

Note: it is still a work in progress. I have no idea when these sorts of things become permanent.

https://www.bogleheads.org/wiki/User:La ... _beginners