Search found 1066 matches

by gilgamesh
Sun Jul 15, 2018 5:44 pm
Forum: Investing - Theory, News & General
Topic: Saving 20% of paycheck isn't enough
Replies: 112
Views: 13145

Re: Saving 20% of paycheck isn't enough

Somewhat...but it’s occupation dependent. I hear some programmers max out at age 50, many businesses take off very slow and could boom later. So, that curve can take various forms - but it is true, in general it also peaks at the Middle Ages. Whether that keeps the saving percentage the same is unl...
by gilgamesh
Sun Jul 15, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: Saving 20% of paycheck isn't enough
Replies: 112
Views: 13145

Re: Saving 20% of paycheck isn't enough

It has a lot to do with how you spread your life cycle finance. Some spend it in high school - they spend their equity in having fun in their teens. They pay for it later. You and I decided on investing on education. We sacrificed our 20’s. I have employees that are sacrificing their 30’s - sad. As...
by gilgamesh
Sun Jul 15, 2018 5:20 pm
Forum: Investing - Theory, News & General
Topic: Saving 20% of paycheck isn't enough
Replies: 112
Views: 13145

Re: Saving 20% of paycheck isn't enough

It has a lot to do with how you spread your life cycle finance. Some spend it in high school - they spend their equity in having fun in their teens. They pay for it later. You and I decided on investing on education. We sacrificed our 20’s. I have employees that are sacrificing their 30’s - sad. As...
by gilgamesh
Sun Jul 15, 2018 5:08 pm
Forum: Investing - Theory, News & General
Topic: Saving 20% of paycheck isn't enough
Replies: 112
Views: 13145

Re: Saving 20% of paycheck isn't enough

A constant percentage savings, is as non-sensical as it gets for me. A value of a dollar varies through a person’s lifecycle. To me, it’s all about a ‘pseudo life cycle financial planning’. Saving more when that value of a dollar is less is the only way for me. I’ll be saving more than 50% of my ea...
by gilgamesh
Sun Jul 15, 2018 5:02 pm
Forum: Investing - Theory, News & General
Topic: Saving 20% of paycheck isn't enough
Replies: 112
Views: 13145

Re: Saving 20% of paycheck isn't enough

It has a lot to do with how you spread your life cycle finance. Some spend it in high school - they spend their equity in having fun in their teens. They pay for it later. You and I decided on investing on education. We sacrificed our 20’s. I have employees that are sacrificing their 30’s - sad. As...
by gilgamesh
Sun Jul 15, 2018 4:44 pm
Forum: Investing - Theory, News & General
Topic: Saving 20% of paycheck isn't enough
Replies: 112
Views: 13145

Re: Saving 20% of paycheck isn't enough

In your late 20’s, early 30’s when you finished your graduate studies, and then started investing almost 50% (including debt payment), were you thinking of early retirement? I was about acquiring things at that age with a side objective of saving for retirement, but was aggressive with student loan...
by gilgamesh
Sun Jul 15, 2018 3:40 pm
Forum: Investing - Theory, News & General
Topic: Saving 20% of paycheck isn't enough
Replies: 112
Views: 13145

Re: Saving 20% of paycheck isn't enough

In your late 20’s, early 30’s when you finished your graduate studies, and then started investing almost 50% (including debt payment), were you thinking of early retirement? I was about acquiring things at that age with a side objective of saving for retirement, but was aggressive with student loan ...
by gilgamesh
Sun Jul 15, 2018 3:07 pm
Forum: Investing - Theory, News & General
Topic: Saving 20% of paycheck isn't enough
Replies: 112
Views: 13145

Re: Saving 20% of paycheck isn't enough

A constant percentage savings, is as non-sensical as it gets for me. A value of a dollar varies through a person’s lifecycle. To me, it’s all about a ‘pseudo life cycle financial planning’. Saving more when that value of a dollar is less is the only way for me. I’ll be saving more than 50% of my ea...
by gilgamesh
Sun Jul 15, 2018 12:04 pm
Forum: Investing - Theory, News & General
Topic: Saving 20% of paycheck isn't enough
Replies: 112
Views: 13145

Re: Saving 20% of paycheck isn't enough

A constant percentage savings, is as non-sensical as it gets for me. A value of a dollar varies through a person’s lifecycle. To me, it’s all about a ‘pseudo life cycle financial planning’. Saving more when that value of a dollar is less is the only way for me. I’ll be saving more than 50% of my ear...
by gilgamesh
Mon Jul 09, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Any new info on passthrough deductions for corp?
Replies: 5
Views: 551

Re: Any new info on passthrough deductions for corp?

There are lots of ambiguities that has not been clarified. For instance, for MFJ with taxable income of less than $315k, even for non-qualified service industries the 20% 199A deduction still applies. However the clarification needed is in how sole-Prop LLC and S-corp are treated. As it stands now, ...
by gilgamesh
Sat Jul 07, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 99
Views: 8925

Re: What rate of return are you using for retirement projections?

5% during accumulation phase. 3% real. Absolutely doesn’t matter, as if I fall short I work more and if I underestimated I retire early. In retirement, I rely on US treasury returns. I dare not assume anything else, when my working equity is zero and my life depends on not just return but sequence o...
by gilgamesh
Fri Jun 29, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: U.S. brokerages and retiring abroad
Replies: 44
Views: 4989

Re: U.S. brokerages and retiring abroad

Thanks for the replies everyone. In speaking with the Schwab representative, it sounds like your country of residence has an impact on what is permitted by the brokerage. If you are already out of the country and things are working fine with your current arrangement, there's probably no need to cha...
by gilgamesh
Thu Jun 28, 2018 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: U.S. brokerages and retiring abroad
Replies: 44
Views: 4989

Re: U.S. brokerages and retiring abroad

Updating this thread for US expats moving to or living in Canada... I am currently living in the US and have an IRA and taxable account and IRA account with Vanguard. I am planning a move to Canada in the next few month. Vanguard said they will freeze my account once I move, meaning I can keep or r...
by gilgamesh
Wed Jun 27, 2018 4:37 pm
Forum: Investing - Theory, News & General
Topic: Is there a reversion to the mean for everything?
Replies: 29
Views: 1784

Re: Is there a reversion to the mean for everything?

It’s also about how quickly it reverts to the mean ...in the extreme, if it takes a century for RTM, what good is that? But, it doesn’t have to be a century...much less will make it utterly meaningless. Of course there has to be RTM, but what is the magnitude of “mean” and how quickly the markets wi...
by gilgamesh
Sun Jun 24, 2018 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Out Retirement Account vs Rollover to IRA
Replies: 35
Views: 2157

Re: Cash Out Retirement Account vs Rollover to IRA

$600k-$1M/year very soon...easy decision. Cash out, pay your debts and help out you siblings/parent...chump change compared to the future income/wealth, but what this “chump change” does now cannot be bought for even millions later - I mean the feeling of having helped out. P.S: unrelated...Watch ou...
by gilgamesh
Sun Jun 24, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: SEP v SIMPLE - Higher Employee Cost but Offset by Tax Savings?
Replies: 31
Views: 1576

Re: SEP v SIMPLE - Higher Employee Cost but Offset by Tax Savings?

I guess I used the wrong term. With safe harbor I could choose non-elective 3% ... this is identical in cost to my 3% simple IRA match. (Other than the cost of 401k, which is minimal with guideline.com and EF) I don’t have to do a total 4% match with safe harbor, if I opted for the 3% non-elective, ...
by gilgamesh
Sun Jun 24, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Hitting your number---Now What?
Replies: 19
Views: 2987

Re: Hitting your number---Now What?

Once one saves all their lives, does all the right things ,and finally has enough money to retire----now what do due with that money to protect from losses and give you a very safe return (sleep well)----as little as it may be. Love to here from fellow Bogleheads on this topic. I don’t know how to ...
by gilgamesh
Sun Jun 24, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: SEP v SIMPLE - Higher Employee Cost but Offset by Tax Savings?
Replies: 31
Views: 1576

Re: SEP v SIMPLE - Higher Employee Cost but Offset by Tax Savings?

With taxable you will have $54.2k minus 32% to invest right? As compared to starting a SEP? Your $41k, plus $13.2k match you don’t have to make.

If you are planning to be in the 0% LTCG tax rate in retirement, the whole thing could get very interesting.
by gilgamesh
Sun Jun 24, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: SEP v SIMPLE - Higher Employee Cost but Offset by Tax Savings?
Replies: 31
Views: 1576

Re: SEP v SIMPLE - Higher Employee Cost but Offset by Tax Savings?

A safe harbor 401k with either guideline.com or Employee Fiduciary doesn’t have much cost. If the single employee is already contributing 3%, then you can opt for 3% non-elective match. Yeah! You can also only do 3% match, but limit goes from 12.5K to 18.5k and if you are over 50, catch-up is 6k vs ...
by gilgamesh
Sun Jun 24, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: SEP v SIMPLE - Higher Employee Cost but Offset by Tax Savings?
Replies: 31
Views: 1576

Re: SEP v SIMPLE - Higher Employee Cost but Offset by Tax Savings?

Yes, but at some point that deferral’s earnings will offset the increased expenses. What I would do is, see how SEP compares to simple + taxable. You’ve got to make some assumptions. Yes. Understood. We are on the same page. I will try a spreadsheet. Among many things to consider, keep in mind. Upo...
by gilgamesh
Sun Jun 24, 2018 6:56 am
Forum: Personal Finance (Not Investing)
Topic: SEP v SIMPLE - Higher Employee Cost but Offset by Tax Savings?
Replies: 31
Views: 1576

Re: SEP v SIMPLE - Higher Employee Cost but Offset by Tax Savings?

You are deferring taxes, not tax free. So, in retirement you will pay taxes on the $41k. Yes, but at some point that deferral’s earnings will offset the increased expenses. What I would do is, see how SEP compares to simple + taxable. You’ve got to make some assumptions. Yes. Understood. We are on ...
by gilgamesh
Sun Jun 24, 2018 6:00 am
Forum: Personal Finance (Not Investing)
Topic: SEP v SIMPLE - Higher Employee Cost but Offset by Tax Savings?
Replies: 31
Views: 1576

Re: SEP v SIMPLE - Higher Employee Cost but Offset by Tax Savings?

Clarice wrote:
Sat Jun 23, 2018 10:55 pm
gilgamesh wrote:
Sat Jun 23, 2018 6:42 am
You are deferring taxes, not tax free. So, in retirement you will pay taxes on the $41k.
Yes, but at some point that deferral’s earnings will offset the increased expenses.
What I would do is, see how SEP compares to simple + taxable. You’ve got to make some assumptions.
by gilgamesh
Sat Jun 23, 2018 6:42 am
Forum: Personal Finance (Not Investing)
Topic: SEP v SIMPLE - Higher Employee Cost but Offset by Tax Savings?
Replies: 31
Views: 1576

Re: SEP v SIMPLE - Higher Employee Cost but Offset by Tax Savings?

You are deferring taxes, not tax free. So, in retirement you will pay taxes on the $41k.
by gilgamesh
Sat Jun 16, 2018 6:37 am
Forum: Investing - Help with Personal Investments
Topic: Sold today, couple of questions
Replies: 11
Views: 2416

Re: Sold today, couple of questions

Livesoft, why sell at maximum loss? Isn't it always better to sell for gain (or least loss) even though you'll lose some in taxes? A very good reason is that when an index fund is at its maximum loss, then there is definitely something else to buy at its lowest low. This assumes, the “other lowest ...
by gilgamesh
Wed Jun 06, 2018 7:57 pm
Forum: Investing - Theory, News & General
Topic: At what point do you lose your privilege to invest (in the U.S.)?
Replies: 24
Views: 2780

Re: At what point do you lose your privilege to invest (in the U.S.)?

Interesting. The other guy suggested to not go out of your way say you aren't currently residing in the U.S., but gilgamesh is taking the opposite stance. I think the main thing I was concerned about a 5-10 year absence from the U.S., if one can set it up in such a way that it won't affect your ass...
by gilgamesh
Wed Jun 06, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: At what point do you lose your privilege to invest (in the U.S.)?
Replies: 24
Views: 2780

Re: At what point do you lose your privilege to invest (in the U.S.)?

Generally, nothing. You are a us citizen and want to move overseas for a few years but have existing investment accounts in the us. As long as you maintain an address on file in the us for your accounts, you would not normally have a problem. This could be close family member you visit or you could...
by gilgamesh
Wed Jun 06, 2018 12:25 pm
Forum: Investing - Theory, News & General
Topic: At what point do you lose your privilege to invest (in the U.S.)?
Replies: 24
Views: 2780

Re: At what point do you lose your privilege to invest (in the U.S.)?

Generally, nothing. You are a us citizen and want to move overseas for a few years but have existing investment accounts in the us. As long as you maintain an address on file in the us for your accounts, you would not normally have a problem. This could be close family member you visit or you could...
by gilgamesh
Wed Jun 06, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Trying to figure out whether spouse should try to get 40 SS credit
Replies: 8
Views: 699

Trying to figure out whether spouse should try to get 40 SS credit

Half of my SS payments will be much higher than wife’s own benefits. I’m not planning to get SS until age 70. If my spouse works until she gets at least 40 SS credits, could she decide to get her own early SS at age 62. I will be 63, then wait till I take my SS at age 70 and her getting half of my S...
by gilgamesh
Thu May 31, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 16837

Re: Top Shelf Liquor Overrated?

At the end it absolutely doesn't matter...I can certainly tell the difference between VS, VSOP and XO cognac, and I will pay for the VSOP. If feel like splurging XO at times...If you can't tell the difference , then don't. I can't tell the difference between single malt cheap 12 yo Glenlivet and the...
by gilgamesh
Thu May 31, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: 15% rate of return in last 15 years can I expect the same in next 16 years
Replies: 39
Views: 4140

Re: 15% rate of return in last 15 years can I expect the same in next 16 years

I just want to make sure that we have enough to retire in our 60s. No, not really *if* you want to have $500K income in your retirement. You will need to accumulate $20M to be able to retire. Our expenses are only $200K a year. Thanks! IMO, you next 16 years shouldn't be about repeating the 15% ret...
by gilgamesh
Thu May 31, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: Is inflation the greatest risk to retirement portfolios?
Replies: 100
Views: 8397

Re: Is inflation the greatest risk to retirement portfolios?

I don't understand your math. Say I have $100K, and I want to invest in something that will protect me from inflation for the next 10 years, so that I still have the same buying power in 10 years. Say inflation is 2%. My investment will need to be worth at least $121,900 in 10 years after taxes on ...
by gilgamesh
Thu May 31, 2018 7:17 am
Forum: Investing - Theory, News & General
Topic: Is inflation the greatest risk to retirement portfolios?
Replies: 100
Views: 8397

Re: Is inflation the greatest risk to retirement portfolios?

No it doesn't. I need $100k purchasing power pretax as retirement income. Average tax 20%, so I need $80k purchasing power for retirement. Rampant inflation, my $100k is only worth $50k in purchasing power (inflation reduced my purchasing power by half)...lucky me, I invested all that $100k on TIPS...
by gilgamesh
Thu May 31, 2018 5:28 am
Forum: Investing - Theory, News & General
Topic: Is inflation the greatest risk to retirement portfolios?
Replies: 100
Views: 8397

Re: Is inflation the greatest risk to retirement portfolios?

No it doesn't. I need $100k purchasing power pretax as retirement income. Average tax 20%, so I need $80k purchasing power for retirement. Rampant inflation, my $100k is only worth $50k in purchasing power (inflation reduced my purchasing power by half)...lucky me, I invested all that $100k on TIPS...
by gilgamesh
Wed May 30, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: 15% rate of return in last 15 years can I expect the same in next 16 years
Replies: 39
Views: 4140

Re: 15% rate of return in last 15 years can I expect the same in next 16 years

Well, there's the answer for you: You can expect probably between -50% and +27%. :) Exactly. The point is investments don't deliver an expected return. They deliver a possibility out of a wide range of possible returns. I won't look back at what you said you are invested in, but, sure, the middle o...
by gilgamesh
Wed May 30, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: Is inflation the greatest risk to retirement portfolios?
Replies: 100
Views: 8397

Re: Is inflation the greatest risk to retirement portfolios?

TIPS, pretty much allows me to put my money under the mattress (safety) and not worry about inflation - magic mattress. But TIPS don't really keep up with inflation post-tax, so you still lose to inflation, right? TIPS keep up with CPI definition of inflation, so it keeps up with inflation. If you ...
by gilgamesh
Wed May 30, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Is inflation the greatest risk to retirement portfolios?
Replies: 100
Views: 8397

Re: Is inflation the greatest risk to retirement portfolios?

TIPS, pretty much allows me to put my money under the mattress (safety) and not worry about inflation - magic mattress. But TIPS don't really keep up with inflation post-tax, so you still lose to inflation, right? TIPS keep up with CPI definition of inflation, so it keeps up with inflation. If you ...
by gilgamesh
Wed May 30, 2018 2:44 pm
Forum: Investing - Theory, News & General
Topic: Is inflation the greatest risk to retirement portfolios?
Replies: 100
Views: 8397

Re: Is inflation the greatest risk to retirement portfolios?

TIPS, pretty much allows me to put my money under the mattress (safety) and not worry about inflation - magic mattress. But TIPS don't really keep up with inflation post-tax, so you still lose to inflation, right? TIPS keep up with CPI definition of inflation, so it keeps up with inflation. If you ...
by gilgamesh
Wed May 30, 2018 2:15 pm
Forum: Investing - Theory, News & General
Topic: Is inflation the greatest risk to retirement portfolios?
Replies: 100
Views: 8397

Re: Is inflation the greatest risk to retirement portfolios?

My simplified understanding (I have only a rudimentary understanding of bonds in general), from David Swensen’s teachings, is that TIPS are protection against inflation and treasuries serve as protection against deflation. He recommends 50/50 of these in your bond allocation. Why would anyone need ...
by gilgamesh
Wed May 30, 2018 4:55 am
Forum: Investing - Theory, News & General
Topic: Is inflation the greatest risk to retirement portfolios?
Replies: 100
Views: 8397

Re: Is inflation the greatest risk to retirement portfolios?

What if we change the OP's question a bit and suppose he's willing to hold equities as well as TIPS? So suppose his original question had been: "Why should anyone hold nominal bonds? I want to have a 60/40 portfolio. Why should the 40% portion (that is allocated to bonds) be in anything but TIPS? A...
by gilgamesh
Wed May 30, 2018 4:44 am
Forum: Investing - Theory, News & General
Topic: Is inflation the greatest risk to retirement portfolios?
Replies: 100
Views: 8397

Re: Is inflation the greatest risk to retirement portfolios?

The biggest risk to our retirement financial security is the unknown. Inflation rate is one of those unknowns. As others have noted, there are many others. You can't prepare for an unknown unknown, so my plan is to stay diversified, and be willing and able to reduce spending if I have to. Of course...
by gilgamesh
Mon May 28, 2018 7:49 am
Forum: Investing - Help with Personal Investments
Topic: Tax-loss selling before (or after?) receiving dividend
Replies: 6
Views: 1037

Re: Tax-loss selling before (or after?) receiving dividend

MotoTrojan, The dividends from those two stocks are yielding around 5% based on what I paid for the shares. That's about 4% after federal and state taxes, but still better than my 2.5% mortgage rate. If no change in the stock price, why not hang on and sell in December? I don’t think you can quite ...
by gilgamesh
Sun May 27, 2018 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Optimizing for the 12% bracket in early retirement
Replies: 17
Views: 2948

Re: Optimizing for the 12% bracket in early retirement

If your only income is from LTCG/qualified dividends then you're in the 0% bracket up to $77.4k (assuming MFJ). You could also do $24k in Roth conversions and use your $24k standard deduction against that so that you owed no Federal taxes. And of course you could do more Roth conversions in the 12%...
by gilgamesh
Sat May 26, 2018 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Just wanted to clarify how taxation works on LTCG rate and Roth conversion
Replies: 20
Views: 1257

Re: Just wanted to clarify how taxation works on LTCG rate and Roth conversion

However, if I were to incur an additional $1 of LTCG, then that only results in an additional 15% tax all the way to $342,800 ($400k 15% LTCG threshold - $57,200). Is this correct? This may not be what you were asking (you may have just been confirming the mechanics of how LTCG behave around the 0%...
by gilgamesh
Sat May 26, 2018 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Just wanted to clarify how taxation works on LTCG rate and Roth conversion
Replies: 20
Views: 1257

Re: Just wanted to clarify how taxation works on LTCG rate and Roth conversion

Just a hypothetical question to understand how this works. Say $20k in LTCG. Then I do a Roth conversion for $81,200. After deducting $24k in standard deduction, I’ll have to pay ordinary income tax on $57,200 ( $81,200- $24,000 ...first $19,500 at 10%, the remaining $37,700 at 12%) Now, adding the...
by gilgamesh
Sat May 26, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Brick pavers on the edge of my porch are already falling off
Replies: 31
Views: 2329

Re: Brick pavers on the edge of my porch are already falling off

I'm not planning to fix this myself...I will be hiring a landscaper. The landscaper I wanted to hire says it can be glued, but others have said otherwise. So, I'm confused who to believe. I would ask the landscaper why his adhesive won't fail if the other one did. And ask the landscaper why this ad...
by gilgamesh
Sat May 26, 2018 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Just wanted to clarify how taxation works on LTCG rate and Roth conversion
Replies: 20
Views: 1257

Re: Just wanted to clarify how taxation works on LTCG rate and Roth conversion

Are you on a healthcare exchange health insurance plan that would allow you to get the Premium Tax Credit? If so, make sure you run your numbers with this in mind. The premium tax credit can be worth many thousands of dollars depending on your tax situation and you don't want to lose all of this su...
by gilgamesh
Sat May 26, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Just wanted to clarify how taxation works on LTCG rate and Roth conversion
Replies: 20
Views: 1257

Re: Just wanted to clarify how taxation works on LTCG rate and Roth conversion

My question is, now every $1 more of Roth conversion will result in an additional 27 cent tax (the 12% ordinary tax for the $1 and as it pushes LTCG into 15%, a $1 of that will also be taxed at 15%). Aren't you assuming that the entire $1 coming for the Roth conversion is a long term capital gain? ...
by gilgamesh
Sat May 26, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Brick pavers on the edge of my porch are already falling off
Replies: 31
Views: 2329

Re: Brick pavers on the edge of my porch are already falling off

I'm not planning to fix this myself...I will be hiring a landscaper. The landscaper I wanted to hire says it can be glued, but others have said otherwise. So, I'm confused who to believe.
by gilgamesh
Sat May 26, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: Brick pavers on the edge of my porch are already falling off
Replies: 31
Views: 2329

Re: Brick pavers on the edge of my porch are already falling off

But, even when supported, like in image 1, they are falling off...so, I'm sure they used the wrong glue.
by gilgamesh
Sat May 26, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Brick pavers on the edge of my porch are already falling off
Replies: 31
Views: 2329

Re: Brick pavers on the edge of my porch are already falling off

I don't know about the horizontal pavers, but is it possible to adhere unsupported vertical pavers by any method? Doesn't masonry depend on physical support of stone under stone rather than adhesion to support the weight of a stone? This is what I'm wondering. As you can see in the second photo, th...