Search found 603 matches

by GrowthSeeker
Thu Sep 12, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: Best drywall Anchors for hanging curtains
Replies: 28
Views: 1609

Re: Best drywall Anchors for hanging curtains

I have used the Snaptoggle several times. There are different sizes, AFAIK, the smallest is called size "BA". The screw can be any machine screw which is 3/16" - 24 (outer diameter of threads is 3/16 inch; 24 threads per inch). This is also called a 10-24 machine screw. The lenth should be the lengt...
by GrowthSeeker
Wed Sep 11, 2019 9:33 am
Forum: Personal Investments
Topic: Where can I find returns for Global Index from a specific date?
Replies: 1
Views: 157

Re: Where can I find returns for Global Index from a specific date?

Not sure which fund exactly you mean. But one way is to go to yahoo finance, then put in the symbol in the "quote lookup" search box. Then click "historical data". Then click the date range and select a range that includes the date you want, or just click "max". Make sure frequency is on "daily". Cl...
by GrowthSeeker
Tue Sep 10, 2019 4:13 pm
Forum: Personal Investments
Topic: Tool to manage AA when investing?
Replies: 24
Views: 1332

Re: Tool to manage AA when investing?

I use a google sheet with a list of stocks/funds that I have or keep track of; next column is share price; next is dividend percentage. These update automatically with current (delayed) numbers. I have no personal information on the google sheet, which lives in the cloud. I have personal information...
by GrowthSeeker
Mon Sep 09, 2019 8:02 pm
Forum: Investing - Theory, News & General
Topic: Do passive investments match the realized returns of active investments?
Replies: 35
Views: 3665

Re: Do passive investments match the realized returns of active investments?

Perhaps the relative importance of realized vs unrealized gains/losses varies with the liquidity of the asset in question. Suppose I have a share of stock; very liquid; if I sell it, I know almost exactly what price I'll get. OTOH, suppose it is an office building. It appraised for $1 Million. Compa...
by GrowthSeeker
Mon Sep 09, 2019 5:18 pm
Forum: Investing - Theory, News & General
Topic: Do passive investments match the realized returns of active investments?
Replies: 35
Views: 3665

Re: Do passive investments match the realized returns of active investments?

Returns are returns, whether realized or not. That's the answer to your question. It's a common one, spurred by nonsense folk wisdom, like you don't lose if you don't sell. ... PJW Hammer -> head of nail. I'm not certain, but I think this is the key bit the OP isn't getting. There is an old mantra ...
by GrowthSeeker
Sun Sep 08, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: Microwave keeps tripping circuit breaker
Replies: 26
Views: 1636

Re: Microwave keeps tripping circuit breaker

My first thought is: there's something else on the same circuit, but you say it's a dedicated line, so probably not. My second thought is: once a circuit breaker has "blown" many times, I think it gets easier and easier for it to trip. Not sure how to test for this. But the breaker could be bad. I d...
by GrowthSeeker
Sat Sep 07, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: Quebec City in October
Replies: 23
Views: 1805

Re: Quebec City in October

I nice day trip, if you have a car, is to drive north from Quebec City maybe 10 miles and turn east over a bridge to île d'Orléans, an island about 10x2 miles in the middle of the St. Lawrence River. Drive around the perimeter and stop at shops, chocolate makers, wineries (and wine-like cider from a...
by GrowthSeeker
Fri Sep 06, 2019 9:31 pm
Forum: Personal Investments
Topic: Using "dry powder" to buy the dips for a mostly buy-and-holder
Replies: 17
Views: 2811

Re: Using "dry powder" to buy the dips for a mostly buy-and-holder

My thought was similar to what livesoft said. What you’re suggesting is equivalent to a more sensitive rebalancing plan than you were otherwise going to use. Your current AA is a weighted average of .15 times (40:60) plus .85 times whatever the AA is excluding the VWINX holding. If all of the 85% is...
by GrowthSeeker
Thu Sep 05, 2019 4:47 pm
Forum: Personal Investments
Topic: Looking for stream of dividends
Replies: 61
Views: 4883

Re: Looking for stream of dividends

The BH way of looking at your situation, I think, is: Income: 2700 SS + 2200 = 4900 total per month, $58.8k per year In 5 years this will decrease to $44.4k per year Expenses: 4000 per month = $48k per year PLUS income taxes (I'm guessing $6k/year for taxes) Total expenses including taxes: $54k Inve...
by GrowthSeeker
Thu Sep 05, 2019 10:21 am
Forum: Personal Investments
Topic: Looking for stream of dividends
Replies: 61
Views: 4883

Re: Looking for stream of dividends

Welcome to Bogleheads There is a certain psychology when thinking about our investments as being like the paycheck we received for our entire working life. A predictable flow of cash. And regarding dividends, there is the notion that if "it's a good company" and it has paid its dividends for the las...
by GrowthSeeker
Wed Sep 04, 2019 8:12 am
Forum: Personal Investments
Topic: Three fund portfolio but no choice for total stock market
Replies: 11
Views: 646

Re: Three fund portfolio but no choice for total stock market

Hello all. My 401k has vanguard total bond market (vbtix) and vanguard total international (vtsnx), but there is no choice for “Total Stock Market”. It is divided into small cap (vscix), mid cap (vmcpx), and large cap (no vanguard here for some reason, so fidelity’s fxaix, looks like it tracks the ...
by GrowthSeeker
Tue Sep 03, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: Old house with old flooring and no subfloor -- put new flooring on top?
Replies: 13
Views: 1293

Re: Old house with old flooring and no subfloor -- put new flooring on top?

Not sure if the basement below is finished, but if it's not: who cares if a little spill gets through? I'd be more worried about something like milk staying in the cracks between floorboards. If the basement IS finished then I see why you care about spills. But since it is tongue and groove, most sp...
by GrowthSeeker
Mon Sep 02, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: How to repair drywall damaged by water leak
Replies: 17
Views: 1298

Re: How to repair drywall damaged by water leak

Any chance this is an old house and maybe instead of drywall you have lath-and-plaster walls? If so, it's a completely different story, because lath and plaster IS resistant to getting wet. It can get wet, then it will dry out. Drywall is relatively soft plaster covered on both sides with paper. Pap...
by GrowthSeeker
Mon Sep 02, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: Seeking WiFi solution
Replies: 35
Views: 2541

Re: Seeking WiFi solution

It is possible that replacing the "free" router that came from the ISP with a good router might even solve the coverage problem in the basement. I eventually replaced mine and the new one has a much better signal strength as determined by how far from the house my phone can still "see" the wifi netw...
by GrowthSeeker
Sun Sep 01, 2019 8:00 am
Forum: Personal Finance (Not Investing)
Topic: 20 year old unused travelers checks... what to do with them?
Replies: 19
Views: 2945

Re: 20 year old unused travelers checks... what to do with them?

If it is a little unclear whether a bank will or won't deposit a travelers check into your account, there might be some value in a little social engineering when you go into the bank to make the deposit. What I mean is: simply act is if it the most routine deposit you've ever made, just like any dep...
by GrowthSeeker
Sun Sep 01, 2019 7:49 am
Forum: Personal Investments
Topic: aum brokerage fee
Replies: 8
Views: 563

Re: aum brokerage fee

Why do you have to pay ANY fee for a self-directed account?
by GrowthSeeker
Thu Aug 29, 2019 12:53 pm
Forum: Personal Investments
Topic: Is this a real strategy?
Replies: 17
Views: 1801

Re: Is this a real strategy?

I think your best strategy is to convince your dad that the advisor is a loser by looking at the numbers, just like you have already done. You could find the account balance on 12/31 for the last N years, then do the same for the S&P500. This is a "fair" comparison since he is 100% stock. Right now ...
by GrowthSeeker
Wed Aug 28, 2019 10:02 am
Forum: Personal Investments
Topic: Roth Conversions into next tax bracket
Replies: 13
Views: 938

Re: Roth Conversions into next tax bracket

And while you're learning about IRMAA, also learn about the net investment income tax (NIIT)
by GrowthSeeker
Tue Aug 27, 2019 2:19 pm
Forum: Personal Consumer Issues
Topic: Mouse invasion!
Replies: 68
Views: 3817

Re: Mouse invasion!

There's a guy on Youtube who has videos of many many types of mouse traps. He also has pet mice which he uses to test out the humane traps with night vision photography.
https://www.youtube.com/channel/UCYbru- ... s4FVn61JUQ
by GrowthSeeker
Sun Aug 25, 2019 1:03 pm
Forum: Personal Investments
Topic: Two questions in one RE: Pension & Muni bonds
Replies: 14
Views: 1198

Re: Two questions in one

One way to measure how good the lump sum deal is: if you took $66k at her age and she purchased a SPIA, what would the monthly payment be? (I bet it would be WAY less than $770 / month). Another way: if you had $66k paying $770/ month, it would be paying 14% !!! Another way: the pension is the defau...
by GrowthSeeker
Sun Aug 25, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Video Movies and TV Shows
Replies: 20
Views: 1715

Re: Amazon Prime Video Movies and TV Shows

To me, Amazon Prime is well worth it. Shop there a lot. Most of the time, I'm in a big city and delivery is fast, sometimes the next day. The Prime video is a bonus: Bosch The Boys Tom Clancy's Jack Ryan (I thought John Krasinsky did pretty good in that role, not Harrison Ford good, but still good)....
by GrowthSeeker
Wed Aug 21, 2019 7:13 pm
Forum: Personal Investments
Topic: Vanguard MM 10-day hold on written checks
Replies: 25
Views: 1954

Re: Vanguard MM 10-day hold on written checks

Large denomination checks might be put on hold (e.g. over $10,000 I would guess, but maybe smaller amounts) by the bank to which the check gets deposited as well. Or (if this is a final payment before completing the final bit of work) the contractor could simply be planning to accept the final payme...
by GrowthSeeker
Tue Aug 20, 2019 2:01 pm
Forum: Personal Investments
Topic: Understanding capital gains tax
Replies: 17
Views: 1648

Re: Understanding capital gains tax

I had to look up what "non-covered" shares are: they are shares purchased on or before 12/31/2011, and cost basis is NOT reported by the brokerage to the IRS. The cost basis information MAY be on the 1099, if the brokerage has that information. If you don't have Specific ID already selected, I think...
by GrowthSeeker
Tue Aug 20, 2019 7:22 am
Forum: Personal Consumer Issues
Topic: Front load washer mold
Replies: 30
Views: 2708

Re: Front load washer mold

First: don’t mix bleach with other cleaners especially ammonia because you get chlorine gas. If I had this problem, I’d get a cleaner based on a quaternary ammonium compound (these kill mold quite well). Much gentler on your nose and lungs than bleach, and AFAIK, just as effective. I’d use that to w...
by GrowthSeeker
Sun Aug 18, 2019 12:47 pm
Forum: Investing - Theory, News & General
Topic: Past Performance
Replies: 74
Views: 3849

Re: Past Performance

I don't think I would drag out the dangers of using past performance when trying to get people to use or convert to a 3-fund portfolio. After all, the past performance of the 3-fund portfolio is one of the reasons to recommend it. This is a good point. I am now wondering how the individual componen...
by GrowthSeeker
Thu Aug 15, 2019 11:36 am
Forum: Investing - Theory, News & General
Topic: 2 month SMA calculation in Portfoliovisualizer . . .
Replies: 17
Views: 631

Re: 2 month SMA calculation in Portfoliovisualizer . . .

To get the 270.04, you're going to average just 2 numbers (duh): yesterday's adjusted close of $262.70 (which is the proxy for the second month's average), and the adjusted close of 21 trading days before yesterday, which here is July 16th (the proxy for the first month). The adjusted close of VFIN...
by GrowthSeeker
Thu Aug 15, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: Skunks keep coming in our yard!
Replies: 44
Views: 3040

Re: Skunks keep coming in our yard!

I used to hear a show on the radio: a guy who called himself the "Critter Getter".
Anyway, he used to say that to get rid of grubs, use Beneficial Nematodes.
Living creatures who either eat or infect the grubs. No more grubs, no more bigger things digging to get at the grubs.
by GrowthSeeker
Thu Aug 15, 2019 5:33 am
Forum: Personal Consumer Issues
Topic: Dishwasher Fiasco
Replies: 52
Views: 3068

Re: Dishwasher Fiasco

I think zoning in some parts of the country require an outlet for a dishwasher, and other areas require it to be hardwired.
by GrowthSeeker
Wed Aug 14, 2019 10:05 pm
Forum: Personal Investments
Topic: solo 401k management fees
Replies: 12
Views: 694

Re: solo 401k management fees

Give this article by White Coat Investor a look: Where to Open Your Solo 401K . If you ever want to roll pre tax money from a tIRA into your solo 401k to pave the way for doing backdoor Roth contributions, you can't do that with the 401k at Vanguard. But you can at Fidelity, Schwab, Etrade (I think ...
by GrowthSeeker
Wed Aug 14, 2019 9:51 am
Forum: Investing - Theory, News & General
Topic: 2 month SMA calculation in Portfoliovisualizer . . .
Replies: 17
Views: 631

Re: 2 month SMA calculation in Portfoliovisualizer . . .

Did you check adjusted closing price or straight closing price? PV may be including dividends... Just a thought Good thought. Whether I start from June 11 up to June 14, and then go to Aug 12 or Aug 13, the largest SMA for adjusted close is 273.18 the largest SMA for close is 273.43 And end of June...
by GrowthSeeker
Wed Aug 14, 2019 9:38 am
Forum: Investing - Theory, News & General
Topic: 2 month SMA calculation in Portfoliovisualizer . . .
Replies: 17
Views: 631

Re: 2 month SMA calculation in Portfoliovisualizer . . .

Well, if I take an SMA between 7/1/2019 and 8/12/2019, I get 274.43
Surely, that can't be it.
by GrowthSeeker
Wed Aug 14, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: Provider choosing to bill as out of network
Replies: 35
Views: 2482

Re: Provider choosing to bill as out of network

Yes, the provider is in-network. I verified by going to BCBS's website and using the "Find a doctor" search. An insurance company's website is not the most reliable source of information. Unless you've already done it, I would speak to someone higher up in the billing department of the physician's ...
by GrowthSeeker
Wed Aug 14, 2019 8:43 am
Forum: Investing - Theory, News & General
Topic: 2 month SMA calculation in Portfoliovisualizer . . .
Replies: 17
Views: 631

Re: 2 month SMA calculation in Portfoliovisualizer . . .

Despite 3 college degrees and passing AP calculus in high school some 25 years ago, I can't figure out how portfoliovisualizer got its number for a 2-month simple moving average for VFINX. You'll find it if you click the "Timing Periods" tab and then scroll to the bottom: I'll quote it here as well...
by GrowthSeeker
Mon Aug 12, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Which Brokerage for solo 401k (to roll IRA into) pre Backdoor Roth
Replies: 62
Views: 1849

Re: Which Brokerage for solo 401k (to roll IRA into) pre Backdoor Roth

Whatever you're experiencing, I will be too, most likely.
How can the EIN for your plan NOT be the EIN for your business?
by GrowthSeeker
Mon Aug 12, 2019 10:41 am
Forum: Investing - Theory, News & General
Topic: Roth > Taxable > tIRA
Replies: 200
Views: 13636

Re: Roth > Taxable > tIRA

Here's what I get with my numbers. I figured what amount of the Roth conversion would go into each tax bracket and subtracted an appropriate amount of tax from the Taxable account while adjusting the starting values of Roth and IRA to reflect the amount of the one time Roth conversion. Converted Dis...
by GrowthSeeker
Mon Aug 12, 2019 9:39 am
Forum: Investing - Theory, News & General
Topic: Roth > Taxable > tIRA
Replies: 200
Views: 13636

Re: Roth > Taxable > tIRA

Results: ROTH EFFECTIVE TOTAL DISPOSABLE Conversion TAX RATE BALANCE INCOME 0% 100.0% 100.0 No Roth Conversion 5% 26.4% 99.1% 100.7 10% 27.0% 98.2% 100.7 20% 31.0% 95.9% 100.7 25% 31.9% 94.7% 101.4 30% 32.8% 93.5% 101.4 35% 33.4% 92.3% 100.7 40% 33.8% 91.1% 100.7 50% 34.5% 88.7% 100.7 75% 35.3% 82....
by GrowthSeeker
Sun Aug 11, 2019 12:32 pm
Forum: Investing - Theory, News & General
Topic: Roth > Taxable > tIRA
Replies: 200
Views: 13636

Re: Roth > Taxable > tIRA

I think that’s a good plan.
by GrowthSeeker
Sat Aug 10, 2019 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Why can't I buy a Medicaid SPIA without a lawyer?
Replies: 10
Views: 1175

Re: Why can't I buy a Medicaid SPIA without a lawyer?

Dumb question: How does a Medicare-compliant SPIA differ from any other SPIA?
Edit: I meant Medicaid, sorry.
by GrowthSeeker
Sat Aug 10, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Which Brokerage for solo 401k (to roll IRA into) pre Backdoor Roth
Replies: 62
Views: 1849

Re: Which Brokerage for solo 401k (to roll IRA into) pre Backdoor Roth

I realize this isn't easy for most people. I hope I didn't offend you. I can’t speak for anyone else, but I certainly do not feel offended, I’m glad to have the benefit of your knowledge and experience. I do have “a particular set of skills”, but navigating through tax laws and obscure rules is not...
by GrowthSeeker
Sat Aug 10, 2019 4:41 pm
Forum: Personal Investments
Topic: Taxes and Roth IRA Conversion
Replies: 15
Views: 1387

Re: Taxes and Roth IRA Conversion

Similar if not identical question. Only income is SS and investment income. 2018 did “smallish” Roth conversion. For 2019, making quarterly estimated tax payments putting me in safe harbor. Planning / making Roth Conversions which will be much larger than 2018. Do I need to make larger estimated tax...
by GrowthSeeker
Sat Aug 10, 2019 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Which Brokerage for solo 401k (to roll IRA into) pre Backdoor Roth
Replies: 62
Views: 1849

Re: Which Brokerage for solo 401k (to roll IRA into) pre Backdoor Roth

Will Schwab / Etrade need a copy of the VG paperwork which gave birth to the original 401K at VG?
by GrowthSeeker
Sat Aug 10, 2019 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Which Brokerage for solo 401k (to roll IRA into) pre Backdoor Roth
Replies: 62
Views: 1849

Re: Which Brokerage for solo 401k (to roll IRA into) pre Backdoor Roth

It's a pain to transfer the 401k now that Schwab already has the new one set up, but it only takes an hour on the phone to get the new form and fill it out, so it's worth the trouble since I haven't, thankfully, moved any money into the new 401k yet. Good luck, please keep us posted as to how this ...
by GrowthSeeker
Sat Aug 10, 2019 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Which Brokerage for solo 401k (to roll IRA into) pre Backdoor Roth
Replies: 62
Views: 1849

Re: Which Brokerage for solo 401k (to roll IRA into) pre Backdoor Roth

Okay, sorry to hijack this thread, but now I'm starting to panic. Absolutely no worries about a hijack, your fear is my fear, I just haven't made the second plan yet. Many thanks to Spirit Rider whose comments all seem credible to me. But, if I may pause a few seconds to rant: the government and IR...
by GrowthSeeker
Sat Aug 10, 2019 9:41 am
Forum: Personal Investments
Topic: Any former traders or market timers become buy & hold bogleheads?
Replies: 22
Views: 2599

Re: Any former traders or market timers become buy & hold bogleheads?

IslandTime wrote:
Sat Aug 10, 2019 5:07 am
I'm curious if there is anyone out there that really put in a big effort to get educated on trading, and tried it for years before finding they could or couldn't make it work or it wasn't for them?
Yes, that would include me. Guilty as charged.
by GrowthSeeker
Sat Aug 10, 2019 9:38 am
Forum: Personal Investments
Topic: Dividend Question - Am I correct in my thinking?
Replies: 7
Views: 813

Re: Dividend Question - Am I correct in my thinking?

Just because a fund's share price increases from 6*something to 8*something in 5 years does not mean it's dividend rate will decrease from 2% to 1.5%. To assume this would be a fallacy.

But, your arithmetic is correct.
by GrowthSeeker
Fri Aug 09, 2019 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Which Brokerage for solo 401k (to roll IRA into) pre Backdoor Roth
Replies: 62
Views: 1849

Re: Which Brokerage for solo 401k (to roll IRA into) pre Backdoor Roth

So regarding the question of whether or not one business can have two different Individual 401k plans: Is the information in Solo 401(k) plan - Bogleheads (including links therein) useful? If so, great. If not, after you do get enough useful information, perhaps you could suggest improvements to tha...
by GrowthSeeker
Fri Aug 09, 2019 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Which Brokerage for solo 401k (to roll IRA into) pre Backdoor Roth
Replies: 62
Views: 1849

Which Brokerage for solo 401k (to roll IRA into) pre Backdoor Roth

Hi everyone. I'm trying to help a friend get set up to do Backdoor Roth, but her solo 401k is at Vanguard, which does not allow IRA money to be rolled in. She has a t-IRA with mostly pre tax contributions but some after tax basis. No other IRAs (no SEP, no SIMPLE). There is only one business. I have...
by GrowthSeeker
Wed Aug 07, 2019 2:14 pm
Forum: Investing - Theory, News & General
Topic: Roth > Taxable > tIRA
Replies: 200
Views: 13636

Re: Roth > Taxable > tIRA

Re: using tIRA money to pay medical expenses. I’m 67. Not having an early withdrawal penalty doesn’t apply to me. I’m not going to buy LT care insurance. I’m unclear on on what money coming out of tIRA would not be taxed. Is it any medical care, or just long term nursing home expenses or just long t...
by GrowthSeeker
Mon Aug 05, 2019 10:24 am
Forum: Investing - Theory, News & General
Topic: Roth > Taxable > tIRA
Replies: 200
Views: 13636

Re: Roth > Taxable > tIRA

I think people are mixing up different subjects. This thread in not about whether you should or shouldn't contribute to a tIRA or to a Roth IRA while working. Start another thread for people still working. This is about people that are already there, no longer working and contributing, and now have...
by GrowthSeeker
Mon Aug 05, 2019 9:03 am
Forum: Investing - Theory, News & General
Topic: Roth > Taxable > tIRA
Replies: 200
Views: 13636

Re: Roth > Taxable > tIRA

I think people are mixing up different subjects. This thread in not about whether you should or shouldn't contribute to a tIRA or to a Roth IRA while working. Start another thread for people still working. This is about people that are already there, no longer working and contributing, and now have...