Search found 168 matches

by Valdeselad
Tue Nov 14, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Favorite Holiday Recipes
Replies: 40
Views: 2939

Re: Favorite Holiday Recipes

This is a great thread, thanks for posting.

I’d be interested to learn of side dishes for thanksgiving that are unique to your families but are hits. There is only so much green bean casserole you can make...
by Valdeselad
Sat Aug 19, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Lawn Experts Help! How to get rid of this weed?
Replies: 17
Views: 1547

Re: Lawn Experts Help! How to get rid of this weed?

Rather than immediately putting down weed killer, I'll offer an alternative. If you are in Houston, odds are you have st Augustine grass in your yard. Many homeowners with this type of grass cut their lawns too low which allow weeds to germinate and spread. With st Augustine, a proper cutting height...
by Valdeselad
Tue May 02, 2017 3:00 pm
Forum: Investing - Theory, News & General
Topic: Giving a Talk on Personal Finance & Investing - Advice?
Replies: 41
Views: 3141

Re: Giving a Talk on Personal Finance & Investing - Advice?

[*] Compound interest can move mountains (or put you in a mountain of debt). I'm sure they can do the math, but the results are still surprising. Why to save early/often and aggressively pay down debt I might present some different perspectives on debt -- for instance CC debt that carries significa...
by Valdeselad
Mon May 01, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: Kamado grill
Replies: 30
Views: 3682

Re: Kamado grill

Anyone willing to share some of their favorite recipes?

:beer
by Valdeselad
Wed Mar 01, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Gardening 2016
Replies: 77
Views: 9433

Re: Gardening 2016

Not sure if there will be a new thread for 2017, but with the warm weather in Texas we are already getting warm weather crops ready to put in the ground. Cool weather veggies (greens, peas, beets, etc...) struggled this year due to the unusually mild conditions interrupted by a night of abnormally c...
by Valdeselad
Thu Jan 26, 2017 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Options (25 yr old)
Replies: 17
Views: 1414

Re: 401k Options (25 yr old)

No small-mid cap? And roughly Age-10 for % bonds? Also, are some of these funds more tax efficient than others? I don't understand why tax efficiency is something to look at in the options- I thought that anything in a 401k would be the same tax efficient? (I know I've got a lot to learn!) Thanks a...
by Valdeselad
Thu Jan 26, 2017 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Options (25 yr old)
Replies: 17
Views: 1414

Re: 401k Options (25 yr old)

At age 25 my suggestion would be 20% bonds with 20 - 30% of stocks in international stocks.The funds I suggest are these: 20% Vanguard Intermediate-Term Bond Index Admiral Fund 0.09% 60% LargeCap S&P 500 Index Separate Account 0.05% 20% Vanguard Developed Markets Index Admiral Fund 0.09% I thin...
by Valdeselad
Thu Jan 26, 2017 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Options (25 yr old)
Replies: 17
Views: 1414

Re: 401k Options (25 yr old)

Looks like you have a fantastic plan with many low cost options.
by Valdeselad
Thu Jan 26, 2017 11:56 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 11054

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy Birthday Taylor!

Your kindness, selflessness and wisdom have inspired a younger generation -- I cannot say thank you enough for your contributions.

You have touched the lives of more people than you will ever know.
by Valdeselad
Thu Apr 28, 2016 2:37 pm
Forum: Personal Consumer Issues
Topic: Mosquito control for home
Replies: 29
Views: 2856

Re: Mosquito control for home

They do not sell the products at home depot or lowes, however you can easily buy them online. I am licensed in Georgia for Mosquito control. The products the "pros" use are: Talstar P Suspend Polyzone Demand CS Nyguard IGR Archer IGR They are all available for sale online, the best thing ...
by Valdeselad
Wed Apr 27, 2016 3:06 pm
Forum: Personal Consumer Issues
Topic: Mosquito control for home
Replies: 29
Views: 2856

Re: Mosquito control for home

I'm trying mosquito dunks this year for the first time....hoping for the best but the first time I put them out we had a huge rain the next day that washed everything away. :oops:
by Valdeselad
Fri Mar 25, 2016 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Claming energy credit on my taxes
Replies: 4
Views: 631

Re: Claming energy credit on my taxes

It's unclear to me what exactly qualifies for this credit. In other words, do you need to follow the IRS guidelines to the letter or can you claim something which is clearly a significant energy efficient upgrade but is not explicitly stated. In my case, we bought and installed a new variable speed ...
by Valdeselad
Tue Mar 22, 2016 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Iphone SE
Replies: 15
Views: 1222

Re: Iphone SE

The tech specs seem to be similar to 5S which was the closest I considered to buy on Swappa. Design is the same as a 5S...tech specs are on par with the 6S (minus 3d touch) I stand corrected, thank you. I meant that, silly me. So overall, worth it for an almost $ 250 discount for smaller screen? I ...
by Valdeselad
Tue Mar 22, 2016 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Iphone SE
Replies: 15
Views: 1222

Re: Iphone SE

tenkuky wrote:The tech specs seem to be similar to 5S which was the closest I considered to buy on Swappa.

Design is the same as a 5S...tech specs are on par with the 6S (minus 3d touch)
by Valdeselad
Fri Mar 18, 2016 6:05 pm
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 5720

Re: Want to buy 2014 Acura TSX - turned in lease

I may look into the ES series of Lexus, you guys have me concerned. I am a "driver". I could be mistaken, but I've always heard the Lexus ES is essentially a glorified (and much more expensive) Camry...not exactly something that would typically get a "driver" excited. GS and IS ...
by Valdeselad
Fri Mar 18, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: Want to buy 2014 Acura TSX - turned in lease
Replies: 44
Views: 5720

Re: Want to buy 2014 Acura TSX - turned in lease

The last rev of the TSX had uninspiring performance compared to the previous rev and many didn't like the redesigned of the front end. The front end was substantially modified during the MMC for the 2G TSX (2012 I believe). The same issue was also addressed during the MMC for the TL although I thin...
by Valdeselad
Tue Mar 01, 2016 5:43 pm
Forum: Personal Consumer Issues
Topic: Mac laptop vs. Windows 7 (or 10) laptop
Replies: 63
Views: 5730

Re: Mac laptop vs. Windows 7 (or 10) laptop

Seems like a better candidate for a tablet IMO.

Even with the occasional Word/Excel/other task, there are a myriad of Bluetooth keyboards that can be attached and/or connected for a more "laptop-like" experience...
by Valdeselad
Sat Feb 27, 2016 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Any Turbo Tax Deluxe or Premum deals out there?
Replies: 20
Views: 2156

Re: Any Turbo Tax Deluxe or Premum deals out there?

Penfed.org had a deal ($20 off I think). You do not need to be a member. Link used to be at the bottom of front page unless they moved it recently.
by Valdeselad
Thu Feb 25, 2016 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Going to 30/70 (Target Retirement Income Fund) at age 33?
Replies: 44
Views: 6039

Re: Going to 30/70 (Target Retirement Income Fund) at age 33?

I'd say you are volatility adverse, not risk adverse. The strategy you have proposed will certainly decrease your portfolio volatility, but will introduce significant long-term purchasing power (due to inflation) risk.
by Valdeselad
Fri Feb 19, 2016 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Using TurboTax online
Replies: 22
Views: 2523

Re: Using TurboTax online

Are you not able to import the 1099? Does TT not see your Vanguard 1099? I have not bought it yet, but it says on the website that to import you need the premier version. Just go to Penfed.org and there is a link on the front page to TT that will save you money (37.99 for premier). You don't have t...
by Valdeselad
Fri Feb 19, 2016 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Using TurboTax online
Replies: 22
Views: 2523

Re: Using TurboTax online

Just go to Penfed.org and there is a link on the front page to TT that will save you money (37.99 for premier). You don't have to be a member to take advantage of it (which surprised me as I am a member). I don't see it, Premier shows at $74.99 Front page, all the way at the bottom on the right sid...
by Valdeselad
Fri Feb 19, 2016 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Using TurboTax online
Replies: 22
Views: 2523

Re: Using TurboTax online

Are you not able to import the 1099? Does TT not see your Vanguard 1099? I have not bought it yet, but it says on the website that to import you need the premier version. Just go to Penfed.org and there is a link on the front page to TT that will save you money (39.99 for premier). You don't have t...
by Valdeselad
Thu Feb 18, 2016 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Prep (Turbo Tax) - State sales tax deduction issue
Replies: 6
Views: 568

Re: Tax Prep (Turbo Tax) - State sales tax deduction issue

You might try looking at schedule A in forms mode. Make sure the tax amount shows up on line 5b... then scroll to the bottom to see if you're anywhere near the the limitation amount for Itemized Deductions as a whole. You can click the Quick Zoom button to get to the Itemized Deductions work sheet....
by Valdeselad
Thu Feb 18, 2016 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Prep (Turbo Tax) - State sales tax deduction issue
Replies: 6
Views: 568

Re: Tax Prep (Turbo Tax) - State sales tax deduction issue

Wagnerjb wrote:Are you in an AMT paying situation? In that scenario, any additional state sales tax won't impact your liability.

Best wishes.


No, I am not paying the AMT this year as far as I can tell.

ETA: I think you are correct...looks like the AMT is hitting me much harder that I realized/expected. Ouch.
by Valdeselad
Thu Feb 18, 2016 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Prep (Turbo Tax) - State sales tax deduction issue
Replies: 6
Views: 568

Tax Prep (Turbo Tax) - State sales tax deduction issue

I am running into an issue with Turbo Tax that is stumping me. When I go through the state sales tax deduction section, it tells me I will receive a deduction after inputting that i live in TX (no income tax) and give it the sales tax rate. However, when the wizard completes, the 'tax owed' does not...
by Valdeselad
Wed Feb 10, 2016 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Nervous Newbie Investor
Replies: 24
Views: 2348

Re: Nervous Newbie Investor

It is normal to feel nervous or anxious when the markets are volatile, but as others have stated it is best to focus on the long term. The current market environment is completely normal and in the long run it is probably just noise that you will not even remember. Instead of worrying, focus on the ...
by Valdeselad
Mon Feb 08, 2016 3:27 pm
Forum: Investing - Theory, News & General
Topic: VSS Spreads and TLH [FTSE Small Cap ex-US and Tax Loss Harvesting]
Replies: 29
Views: 1957

VSS Wide Bid/Ask Spread

[Thread merged into here, see below. --admin LadyGeek] There is a $0.55 spread this afternoon on VSS - certainly the highest I've seen in quite some time. How do others approach ETF purchasing when the spread widens like this -- do you wait for more of a liquid market or just try to make a market y...
by Valdeselad
Fri Feb 05, 2016 10:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: New Woodlands, Texas Local Chapter
Replies: 21
Views: 3374

Re: The Woodlands, Texas Chapter?

There is an active Houston chapter...or at least it used to be active a few years back.
by Valdeselad
Thu Feb 04, 2016 3:19 pm
Forum: Investing - Theory, News & General
Topic: Why is this Bear wrong?
Replies: 12
Views: 1504

Re: Why is this Bear wrong?

Market forecasters will fill your ear but will never fill your wallet.

Warren Buffett
2014 Annual Shareholder Letter
by Valdeselad
Wed Jan 27, 2016 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Need more small/mid caps...
Replies: 9
Views: 897

Re: Need more small/mid caps...

traveler90 wrote:Vanguard Extended Market
Vanguard Small-Cap Index

^ It should be noted that the Vanguard Small Cap Index is only small cap in name...it does contain a substantial amount of mid-caps (close to 40% I believe).
by Valdeselad
Wed Jan 27, 2016 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Need more small/mid caps...
Replies: 9
Views: 897

Re: Need more small/mid caps...

Extended Market Index is a great fund...plug your current and potential portfolio into the Morningstar X-Ray and you can see the impact for yourself.

http://portfolio.morningstar.com/Rtport/Free/InstantXRayDEntry.aspx
by Valdeselad
Wed Jan 27, 2016 10:36 am
Forum: Personal Consumer Issues
Topic: Design/Architecture App for IPad
Replies: 1
Views: 278

Design/Architecture App for IPad

Greetings All, I find myself turning to the collective wisdom of the Bogleheads community yet again. My wife and I are considering some major renovations to the outside of our home, which would substantially change the current look (new colors, new materials, etc). One of the difficulties is actuall...
by Valdeselad
Fri Jan 08, 2016 5:36 pm
Forum: Investing - Theory, News & General
Topic: Backdoor Roth in Vanguard Brokerage
Replies: 16
Views: 1391

Re: Backdoor Roth in Vanguard Brokerage

Again, apologies if I'm hijacking this thread a bit, but does anyone have experience with the conversion on the new "upgraded" brokerage interface at Vanguard? The screens it wants to lead me through look/feel substantially different than years past, and given that this is something I don'...
by Valdeselad
Fri Jan 08, 2016 11:49 am
Forum: Investing - Theory, News & General
Topic: Backdoor Roth in Vanguard Brokerage
Replies: 16
Views: 1391

Re: Backdoor Roth in Vanguard Brokerage

My question is due to the different setup and screens on the new account "upgrade" vs. years past. It is not clear to me that the same 'exchange' is taking place but it's probably just because everything looks new with the enhanced setup.
by Valdeselad
Fri Jan 08, 2016 11:09 am
Forum: Investing - Theory, News & General
Topic: Backdoor Roth in Vanguard Brokerage
Replies: 16
Views: 1391

Re: Backdoor Roth in Vanguard Brokerage

I have the same question -- the new Brokerage account setup "upgrade" is adding a bit of confusion to the conversion process...would appreciate if anyone has experience they can pass along.
by Valdeselad
Thu Jan 07, 2016 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale Potential? Vanguard Total International Index (taxable) vs. Fidelity Spartan Int. Index (401k)
Replies: 2
Views: 334

Re: Wash Sale Potential? Vanguard Total International Index (taxable) vs. Fidelity Spartan Int. Index (401k)

Not only do they follow two different indices; they are very different indices. VSIIX follows a MSCI EAFE developed market index. VTIAX follows a FTSE Global all-cap index, including both developed and emerging markets. If you look at 2015 performance, you'll see the difference in performance from ...
by Valdeselad
Thu Jan 07, 2016 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale Potential? Vanguard Total International Index (taxable) vs. Fidelity Spartan Int. Index (401k)
Replies: 2
Views: 334

Wash Sale Potential? Vanguard Total International Index (taxable) vs. Fidelity Spartan Int. Index (401k)

Hi All, First of all, Happy New Year to everyone. I wish you all a healthy and prosperous 2016. My question is around some TLH I did with Vanguard Total International (VTIAX) at the end of 2015 and how it relates to some current rebalancing I would like to do in my 401k this week due to the market d...
by Valdeselad
Mon Nov 02, 2015 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Washington State 529
Replies: 5
Views: 442

Re: Washington State 529

Jack FFR1846 wrote:The NY plan has the lowest cost at 0.16%. My mom moved her 529s for my kids there at my suggestion


Yes, I personally think NY and Utah are the 2 strongest plans available. You can't go wrong either way IMO.
by Valdeselad
Mon Nov 02, 2015 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Washington State 529
Replies: 5
Views: 442

Re: Washington State 529

abuss368 wrote:The Vanguard 529 is low cost and in Nevada.


Yes, I agree that Nevada is a reasonably good plan in terms of costs...
by Valdeselad
Mon Nov 02, 2015 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Washington State 529
Replies: 5
Views: 442

Washington State 529

Greetings All, Part of my extended family reached out to me for advice on setting up their kids 529s and they live in Washington State. While I don't live there personally, I'm happy to help but figured I would bounce my initial thoughts off this audience. From what I can tell, Washington State has ...
by Valdeselad
Thu Oct 08, 2015 10:48 am
Forum: Personal Consumer Issues
Topic: 20th Century Stereo in a 21st Century World
Replies: 71
Views: 7957

Re: 20th Century Stereo in a 21st Century World

Use the Airport Express option mentioned above by @Alex686. I do this at my home - simple, works fantastic, and you mentioned you already have one. Working under the assumption that you have Wi-Fi in your home, you also gain the ability to control all your music wirelessly from your phone/ipad witho...
by Valdeselad
Thu Aug 13, 2015 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: clarification on the 25 or 35 times rule
Replies: 11
Views: 1712

Re: clarification on the 25 or 35 times rule

25 times is the phrase schwab uses. 25 times income is the same thing as the 4% rule. simple example. lets say you have a million dollar portfolio at retirement. 4% withdrawal will give you $40,000. and lets assume that is how much you need to retire on. schwab would say it thusly; if you want to r...
by Valdeselad
Thu Aug 13, 2015 5:52 pm
Forum: Personal Consumer Issues
Topic: Flower Garden/Landscape Bed Help
Replies: 8
Views: 747

Re: Flower Garden/Landscape Bed Help

If you are available and interested, check your local county agricultural extension office for a master gardener's class. You'll learn a lot. If you don't have that much time, consider just taking pictures and going to the county extension office and asking questions. Sometimes they have a phone in...
by Valdeselad
Thu Aug 13, 2015 5:51 pm
Forum: Personal Consumer Issues
Topic: Flower Garden/Landscape Bed Help
Replies: 8
Views: 747

Re: Flower Garden/Landscape Bed Help

Give a vegetable garden some thought, highly rewarding but can also be frustrating while you get the hang of it. At the very least you could look into some edible landscaping like blueberries. Thanks @Barnaclebob - we actually do have a vegetable garden growing in the largest bed in the back. It's ...
by Valdeselad
Thu Aug 13, 2015 4:34 pm
Forum: Personal Consumer Issues
Topic: Flower Garden/Landscape Bed Help
Replies: 8
Views: 747

Re: Flower Garden/Landscape Bed Help

The Wizard wrote:Perhaps gardenweb.com.
I've used it more for outdoor tools than for plants...


Thanks @The Wizard - I'll check that out
by Valdeselad
Thu Aug 13, 2015 3:56 pm
Forum: Personal Consumer Issues
Topic: Flower Garden/Landscape Bed Help
Replies: 8
Views: 747

Flower Garden/Landscape Bed Help

Hi All, An off-topic question for sure, but I trust the wisdom and feedback of this community so it's usually where I start my searches. I'm looking for a recommendation for a website that could help with our landscaping/flower beds. Basically, we recently bought a home with lots of outdoor space an...
by Valdeselad
Fri Jun 19, 2015 5:12 pm
Forum: Personal Consumer Issues
Topic: Anyone have A/C fail on an older Honda CRV?
Replies: 54
Views: 11434

Re: Anyone have A/C fail on an older Honda CRV?

No manufacturer builds the perfect bulletproof car. Sometimes you get unlucky even with <insert amazing name brand here>. As for cost, who knows. It could be the coolant is low (and therefore the clutch is no longer working), or it could be the compressor sized up. One fix costs $40, the other will...
by Valdeselad
Thu May 14, 2015 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Too soon to change jobs? Pres/CEO types
Replies: 18
Views: 3168

Re: Too soon to change jobs? Pres/CEO types

I look at things a bit differently in the sense that I place a high value on the company, its culture, and its people. Certainly you have a great opportunity financially and job level wise, nobody would argue that. But consider that you would be going from a private company to a public one, and with...
by Valdeselad
Wed Mar 25, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 59
Views: 12842

Re: Riding Mower Help Needed

OP here...to close the loop on this, I ended up purchasing a used 2012 JD z920A. Great ZTR mower that *should* last a really long time and perform well with the big yard. For the same money I would have spent on mid-range new, I felt I was getting a mower with top of the line components that are mad...
by Valdeselad
Tue Mar 03, 2015 7:18 pm
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 59
Views: 12842

Re: Riding Mower Help Needed

^ So which one are you leaning towards? It's amazing how many different models there are of engines….. m Upper left portion of page shows "browse by series"…..that's quite a few to browse through Good luck. Leaning towards the Ariens...would save me $800 bucks and is basically an identica...