Search found 1628 matches

by tludwig23
Fri Jan 04, 2019 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Botched 401(k) Contributions
Replies: 20
Views: 2232

Re: Botched 401(k) Contributions

amitb00 wrote: Thu Jan 03, 2019 7:58 pm When you withdraw you pay tax. So u didn’t lose all 40%. You lose difference between current and future tax rate.
This. The amount of damage you're doing to your health spending weeks "steaming mad" over this small amount of money far exceeds the benefits of tax deferring $1,200.
by tludwig23
Mon Oct 29, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: Is There a Market for Boy Scout Memorabilia? Order of the Arrow Patches
Replies: 2
Views: 543

Re: Is There a Market for Boy Scout Memorabilia? Order of the Arrow Patches

There is tons of this stuff on ebay. Mostly in the $5-$30 range. A couple patches in the $200 range.
by tludwig23
Mon Oct 29, 2018 10:14 pm
Forum: Personal Investments
Topic: S&P 500 versus Total Stock Market
Replies: 8
Views: 2753

Re: S&P 500 versus Total Stock Market

There is no meaningful difference.
by tludwig23
Mon Oct 29, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming frugal
Replies: 170
Views: 29052

Re: Becoming frugal

The things people consider wants and needs are very personal. For me, having a craft cocktail or decent glass of wine when eating out greatly adds to the experience, and independent international travel is one of the greatest joys in life. On the other hand, I think the coffee I make with my aeropress in better than anything I can get at Starbucks or similar, and much cheaper.

My plan is simple (at least in my opinion)...

Automatically set aside all needed savings, all required payments (rent, mortgage, etc.), and specific categorical savings (travel, etc.) with each paycheck. Spend the rest however I see fit.
by tludwig23
Mon Oct 29, 2018 9:26 pm
Forum: Investing - Theory, News & General
Topic: 401k down 8% this month
Replies: 58
Views: 8485

Re: 401k down 8% this month

WhiteMaxima wrote: Mon Oct 29, 2018 5:30 pmStay the course. Remember, market has risk. It can drop 40-50% in a couple of months. Always keep some cash on hand, keep a balanced AA and keep investing.
If the money is in a retirement account with a long horizon, why keep cash on hand?
by tludwig23
Fri Apr 27, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Movie Pass Camera Access
Replies: 3
Views: 869

Re: Movie Pass Camera Access

Uploading a photo would not give them access to your photo library any more than sending an email would give them access to your email.
by tludwig23
Thu Mar 22, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Amtrak tickets - change in refund terms: UPDATE
Replies: 20
Views: 3306

Re: Amtrak tickets - change in refund terms

VictoriaF wrote: Thu Mar 22, 2018 3:20 pm
canderson wrote: Thu Mar 22, 2018 3:16 pm These are purposeful changes to make it run like an airline.
I envision conductors throwing disobedient passengers from a train for minor altercations.

Victoria
They should try upgrading their safety record to that of the airlines.
by tludwig23
Thu Mar 22, 2018 2:54 pm
Forum: Personal Investments
Topic: Buying Treasury Bills: Treasury Direct or Vanguard / Fidelity
Replies: 90
Views: 32879

Re: Buying Treasury Bills: Treasury Direct or Vanguard / Fidelity

I buy 30-year at auction TIPS bonds through Fidelity. The process is simple, the bonds appear with all my other retirement money, and I don't have to have another account, password, etc. From what I've read, all the financial details are exactly the same either way.
by tludwig23
Fri Feb 16, 2018 6:10 pm
Forum: Investing - Theory, News & General
Topic: MarketWatch article-Vanguard investors kept their cool during stock-market turmoil
Replies: 18
Views: 2535

Re: Vanguard Investors during the downturn

The story includes no comparison nor control group, thus it really doesn't say much.
by tludwig23
Fri Dec 01, 2017 6:29 pm
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 31228

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

It's not a Ponzi scheme.

A Ponzi scheme is a fraudulent investment. Bitcoin is not fraudulent. It is a risky investment, and may depend on the "great fool" theory of price increase, but it doesn't meet the definition of a Ponzi scheme.
by tludwig23
Wed Nov 29, 2017 1:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 156
Views: 25139

Re: Vanguard launching factor-based ETFs/funds

I wonder what the ERs will be for these "low cost, actively managed" funds.
by tludwig23
Wed Nov 29, 2017 1:34 pm
Forum: Personal Investments
Topic: May you rebalance before the correction and...
Replies: 24
Views: 3588

Re: May you rebalance before the correction and...

neilpilot wrote: Wed Nov 29, 2017 12:38 pm Maybe you mean "reallocate", as in lower your equity percentage, rather than "rebalance"?
What you suggest would be market timing, no?
by tludwig23
Wed Mar 15, 2017 11:38 pm
Forum: Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 56
Views: 8430

Re: Fidelity vs. Vangard?

My money is at Fidelity because Vanguard won't take it.
by tludwig23
Sat Mar 04, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Beginner-Level Question About Backdoor Roth Contributions
Replies: 3
Views: 737

Re: Beginner-Level Question About Backdoor Roth Contributions

You do NOT have to pay income tax on the amount you contributed (but did not deduct in previous years) to the traditional IRA.
You DO have to pay income tax on the gains (from interest, dividends, capital gains, etc.) in the traditional IRA.
The 1099-R will list the full amount because the custodian has no way to know whether or not you took a deduction on the contributions to your traditional IRA.

This is why most people convert very soon after making the non-deductible contribution to the traditional IRA--so there isn't time for taxable gains to occur.

Hope that helps.
by tludwig23
Mon Feb 06, 2017 5:32 pm
Forum: Investing - Theory, News & General
Topic: A Wellesley alternative
Replies: 93
Views: 15425

Re: A Wellesley alternative

Taxable or tax-deferred?
by tludwig23
Mon Feb 06, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Student loan payback question
Replies: 6
Views: 1155

Re: Student loan payback question

I would not pull money from the Roth.

9% is a very high rate. I'd pull 6K from the EF and pay it in full.

Then I'd add the $300 to whatever you normally put in to build the EF back up.

When you're back to $15k in the EF, pay off the 3% loan.

Then put the whole $450 towards building your EF back up.
by tludwig23
Sun Jan 08, 2017 10:10 pm
Forum: Investing - Theory, News & General
Topic: Over what time period should stocks NOT lose money
Replies: 50
Views: 7323

Re: Over what time period should stocks NOT lose money

KlangFool wrote:
A) At any point of time, your equity portion could lose 50% of its value.
Then logically at any point in time your equity portion could lose all of its value.
by tludwig23
Mon Jan 02, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Tax deduction for alimony question
Replies: 4
Views: 937

Re: Tax deduction for alimony question

Ah, got it.

Yes, under a separation agreement, but the agreement was signed by both parties and not filed with the court, i.e., it wasn't a legal separation.
by tludwig23
Mon Jan 02, 2017 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Tax deduction for alimony question
Replies: 4
Views: 937

Re: Tax deduction for alimony question

Gill wrote:The deduction for alimony has to be under a divorce or separation agreement. Were the payments before the divorce under a separation agreement? Do you know you can also agree to reverse the assumption of the statute as to whether it is deductible or not?
Gill
Prior to June 30th was under an agreement signed by both parties, but not filed with any court.
I don't understand your second question. Why would one want to "reverse the assumption of the statute"?
by tludwig23
Mon Jan 02, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Tax deduction for alimony question
Replies: 4
Views: 937

Tax deduction for alimony question

In general alimony paid is tax-deductible for the paying spouse and taxable for the receiving spouse provided a number of conditions are met. Here's a scenario that I'm wondering about... A married couple begins the divorce process and it is agreed that A will pay B $4,000/month in alimony, and A (who no longer lives at the same residence) begins doing so on Jan 1st. The divorce is final on June 30th of the same year and the divorce decree spells out alimony payments of $4,000/month. Payments continue uninterrupted. When filing taxes for this year, should the amount of alimony paid be $48,000 or $24,000? Clearly both persons need to agree on the amount so that the amount paid that A claims as a deduction equals to amount received the B clai...
by tludwig23
Sun Dec 25, 2016 1:06 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 7723

Re: Concept2 Holiday Challenge (indoor rowing)

IFRider wrote:
tludwig23 wrote:200,689 as of 7am. :happy Now I'm on a ferry to Victoria, BC, so no more rowing before Christmas.
205,044 for me tonight. I will probably end up with a few thousand more before the deadline tomorrow.

Good Job and Merry Christmas!
Great job, and Happy Holidays to you also!
by tludwig23
Fri Dec 23, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 7723

Re: Concept2 Holiday Challenge (indoor rowing)

200,689 as of 7am. :happy Now I'm on a ferry to Victoria, BC, so no more rowing before Christmas.
by tludwig23
Thu Dec 22, 2016 7:38 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 7723

Re: Concept2 Holiday Challenge (indoor rowing)

SquawkIdent wrote:
tludwig23 wrote:at 119,860m. I will make it! :D

How's it going with two days left? First time ever (I believe) someone is over 2 million meters. Incredible. We rest on Christmas day. :sharebeer
179,000. But I'm out of town on the 24th and no erg at the hotel (I checked), so basically have one night to finish the 21,000. That's just a half marathon, right?!?
by tludwig23
Thu Dec 22, 2016 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Whole life ins. Co. Asks about bankruptcy. questions
Replies: 22
Views: 3033

Re: Whole life ins. Co. Asks about bankruptcy. questions

Maybe a blessing in disguise. Maybe you won't get the whole life policy...

http://whitecoatinvestor.com/debunking- ... -insurance
by tludwig23
Tue Dec 20, 2016 1:44 pm
Forum: Personal Consumer Issues
Topic: Flying with Norwegian
Replies: 24
Views: 3463

Re: Flying with Norwegian

ryman554 wrote:Being 25+% Danish and 25+% Norwegian, I am 100% confident that the only thing worse than flying with a Norwegian would be flying with a Swede.

Ah, Scandinavian humour...
Two Norwegians, two Danes, two Swedes and two Finns were stranded on a desert island. After a few days they realized that rescue was unlikely so they decided to make the best of the situation. 10 years later when they were rescued, the Norwegians had depleted the local waters of all fish, the Finns had cut down all the trees, the Danes had formed a cooperative, and the two Swedes were still waiting to be introduced.

My only Scandinavia joke.
by tludwig23
Mon Dec 19, 2016 10:37 pm
Forum: Personal Investments
Topic: Another "OMG why did my portfolio fall" question!
Replies: 30
Views: 5523

Re: Another "OMG why did my portfolio fall" question!

livesoft wrote:...I don't have an iPhone with siri, but I would even guess that siri would have great answer, too. :)
Here is what Siri told me, "China Ming Yang Wind Power Grou closed at $2.44 June 22, 2016."
by tludwig23
Sun Dec 18, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 7723

Re: Concept2 Holiday Challenge (indoor rowing)

at 119,860m. I will make it! :D
by tludwig23
Fri Dec 16, 2016 10:48 am
Forum: Personal Investments
Topic: Good Time To Rebalance a Tad?
Replies: 14
Views: 1965

Re: Good Time To Rebalance a Tad?

SeeMoe wrote:CNBC just interviewed the New York Times Columnist James Stewart who suggests it (AA rebalancing) is a possibility.
What exactly did he say? I read his last couple and didn't see rebalancing mentioned.
by tludwig23
Fri Dec 16, 2016 10:35 am
Forum: Personal Investments
Topic: Good Time To Rebalance a Tad?
Replies: 14
Views: 1965

Re: Good Time To Rebalance a Tad?

Sidney wrote:This may well be the right move for you but most people would not call a shift of allocation due to changing life circumstances (or even market conditions) "re-balancing." Re-balancing is typically adjusting an allocation that has drifted from the target allocation back to or closer to the original target.
Agreed.

1. This is not rebalancing. This is adjusting your AA due to meeting a specific age.
2. Your plan to adjust your AA at specific ages should be in your IPS.
3. Timing your change in AA to specific market conditions is no different than any other type of market timing.
by tludwig23
Wed Dec 14, 2016 10:51 pm
Forum: Investing - Theory, News & General
Topic: 3 Fund - should it be more diversified?
Replies: 28
Views: 4656

Re: 3 Fund - should it be more diversified?

Some would argue that a 3 funder is not diversified across factors and therefore is not diversified enough. People may say that, but it doesn't strike me as accurate. Obviously tilting is concentrating your portfolio. A three fund portfolio contains all factors in market proportions so along with value stocks you will also hold offsetting growth ones. So basically you will be indifferent if value, for instance, either way out or underperforms. By tilting to a factor such as value, for instance, you can increase your exposure beyond market weight and take the risk that there will be a premium during your investing horizon. You also induce there risk that you underperform by there not being a premium during that time. To say a three fund por...
by tludwig23
Wed Dec 14, 2016 10:01 pm
Forum: Investing - Theory, News & General
Topic: 3 Fund - should it be more diversified?
Replies: 28
Views: 4656

Re: 3 Fund - should it be more diversified?

am wrote:Some would argue that a 3 funder is not diversified across factors and therefore is not diversified enough.
Please explain what "diversifying across factors" means.
by tludwig23
Wed Dec 14, 2016 9:25 pm
Forum: Investing - Theory, News & General
Topic: Am I over diversifying?
Replies: 21
Views: 3151

Re: Am I over diversifying?

Technically, there is no such thing as over diversifying or pseudodiversifying. You can only reach a maximum amount of diversification and any attempts to go beyond that involves concentration/tilt/pivot. If you were 90% fully diversified and had 10% concentration in Small Cap Value and switch the concentration to 10% REIT, you're still only 90% fully diversified and concentrated elsewhere. Keeping 10% in Small Cap Value and ADDING 10% REIT means you're only 80% fully diversified and now 20% concentrated. By having a dozen different areas of concentration, you're not diversifying but concentrating and changing concentrations. You're taking a rather narrow view of full diversification, IMO. Diversification involves holding uncorrelated asse...
by tludwig23
Wed Dec 14, 2016 8:31 am
Forum: Personal Investments
Topic: Vanguard or Fidelity 3 funds
Replies: 9
Views: 2876

Re: Vanguard or Fidelity 3 funds

Agree with above. Buying the Vanguard funds through Fidelity complicates things and adds unnecessary fees. Just buy the Fidelity broad index funds. As to FTIPX not having a track record, so what? It is an index fund. It will follow the MSCI ACWI xUSA index. It isn't like Fidelity is some startup company that hasn't created an index fund before...
by tludwig23
Wed Dec 14, 2016 8:25 am
Forum: Investing - Theory, News & General
Topic: Am I over diversifying?
Replies: 21
Views: 3151

Re: Am I over diversifying?

You're not over diversifying. You're pseudodiversifying. Unless this is all in taxable and you are using the separate funds as a means of tax loss harvesting the losers and/or donating the big winners, there is no benefit from having these all separated out.
by tludwig23
Tue Dec 13, 2016 9:59 pm
Forum: Personal Investments
Topic: Looking to shift allocation to a bond fund with Fidelity
Replies: 3
Views: 673

Re: Looking to shift allocation to a bond fund with Fidelity

I'm not sure where you are getting your numbers. It is total returns that matter, not yield. In any case, FSITX had annual returns of about 3.9% over the past 10 years, compared with 6.5% for SPHIX. But why have bonds at all at your age? Total Stock Market (FSTVX) had annual returns of 7.1% over the same period.
by tludwig23
Mon Dec 12, 2016 4:32 pm
Forum: Personal Investments
Topic: What % of your net income do you save (not including 401k/IRA)
Replies: 72
Views: 10590

Re: What % of your net income do you save (not including 401k/IRA)

Outside of tax-advantaged accounts basically nothing. But I can save $65K into tax advantaged accounts. That's enough for me.
by tludwig23
Mon Dec 12, 2016 4:27 pm
Forum: Investing - Theory, News & General
Topic: Edward Jones Annuity Review - Tips before I begin
Replies: 16
Views: 4148

Re: Edward Jones Annuity Review - Tips before I begin

Green_98 wrote: I want to do a thorough review, and make sure he is not getting ripped off.
Let me save you the trouble. He's getting ripped off.
by tludwig23
Mon Dec 12, 2016 1:22 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 7723

Re: Concept2 Holiday Challenge (indoor rowing)

IFRider wrote:77,044 The slow way:

11/24/16 11,044m
11/25/16 14,000m
11/26/16 10,000m
11/27/16 10,000m
11/28/16 10,000m
11/30/16 15,000m

There are 280 people with over 100k and 1 person with over 400k. I feel like such a slacker :happy
I'm a little over 100,000 with 13 days to go. Been doing a lot of intervals of various lengths. Yesterday set a new PR for 5000m (19:15, 1:55 pace) :D
by tludwig23
Thu Dec 01, 2016 12:40 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 7723

Re: Concept2 Holiday Challenge (indoor rowing)

No. I use a Concept2 rower at the gym, but could never row that far in 45 days. I'm a believer (based on research I've seen) that intensity is more important than quantity. That is 8k meters a day everyday! Most of my meters are done as intervals of various intensity, but 8000 per day is certainly an increase for me. Wow, that is a TON of volume if done in intervals. I'm with michaeljc70, I row ~2x/week worked into my regular routine, but never more than maybe 3k meters in a single session; and never more than a 1600m in a single shot (usually broken into 1/4 mile or even 30 sec sprints). Up to 66,905m so far (8 days in). Maybe I'm a bit ADD, but I find long rows every day to be a bit boring, so the intervals keep it interesting. Since Tha...
by tludwig23
Wed Nov 23, 2016 10:26 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 7723

Re: Concept2 Holiday Challenge (indoor rowing)

michaeljc70 wrote:No. I use a Concept2 rower at the gym, but could never row that far in 45 days. I'm a believer (based on research I've seen) that intensity is more important than quantity. That is 8k meters a day everyday!
Most of my meters are done as intervals of various intensity, but 8000 per day is certainly an increase for me.
by tludwig23
Tue Nov 22, 2016 7:02 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 7723

Concept2 Holiday Challenge (indoor rowing)

Anyone else doing the Concept2 Holiday Challenge to row at least 250,000 meters between Thanksgiving and Christmas?
by tludwig23
Sun Nov 20, 2016 5:45 pm
Forum: Personal Consumer Issues
Topic: Energy Drink Alternatives
Replies: 19
Views: 4016

Re: Energy Drink Alternatives

itstoomuch wrote:I make my own. DIY. Never the same taste/flavor twice (NTSFT)
A tea bag. Steeping will determine the caffeine content.
A partial hi- B complex vitamin.
A partial vit C
NaCl and KCl.
A dash of Ca from ground up Ca pill (too much Ca gives me leg cramps)
A dash of groundup acetaminophen (used to use a 1/4 tablet of 81mg aspirin but I have gout).
A partial Crystal Lite with Stevia OR a lemon/orange/lime wedge.
A very small amount of thickening agent (metamcil, ThickenUp, Gelatine)
Ginger, mint leaf, blueberry, acai berry, mandarin wedges, diced apple (optional)
A packet or two of sugar (I am diabetic 2) and depending on type of exercise.
Stevia to taste.
Wow.

Just add some Eye of Newt and I think you'd be set. :P
by tludwig23
Sat Nov 12, 2016 2:47 am
Forum: Investing - Theory, News & General
Topic: Shark Tank's Kevin O'Leary creates ETF
Replies: 45
Views: 12487

Re: Kevin O'Leary Fund

GuitarXM wrote:
Low volatility funds are indeed less volatile over the long run. USMV, for example has a beta of only 0.68 compared with 1.00 for VTI.
The problem is that fund only has 5 years of history. That's not enough to decide if it truly is less volatile.
Logically speaking though, isn't owning the entire market the safest thing you can do?
No. That's not logical. For example, if value funds have a higher long term expected return and higher volatility, it follows that growth funds should be lower than the market on both. So a growth fund should be safer than a total stock market fund.
by tludwig23
Thu Nov 10, 2016 10:14 pm
Forum: Investing - Theory, News & General
Topic: Shark Tank's Kevin O'Leary creates ETF
Replies: 45
Views: 12487

Re: Kevin O'Leary Fund

GuitarXM wrote:He has the correct theory of holding companies with healthy balance sheets and claims that his fund is less volatile than the SP500 which logically doesn't make sense. You can't predict which company will be more volatile in the future so I would guess the SP500 or a Total stock market index is the least volatile over the long run since it hold every single company.

Just wanted your guys thoughts on this?
Low volatility funds are indeed less volatile over the long run. USMV, for example has a beta of only 0.68 compared with 1.00 for VTI.
by tludwig23
Thu Nov 10, 2016 8:57 pm
Forum: Personal Investments
Topic: Help for former check to check and drowning in debt 30 yr old!
Replies: 15
Views: 2814

Re: Help for former check to check and drowning in debt 30 yr old!

I see, so the different plans affect how I can withdraw the money out of the mutual funds and if I get penalized? Also I assumed mutual funds was when an advisor takes a fee and manages your accounts for you. I read it was better to just pick them yourself and bypass the fee because your results would be the same. Thanks for the insight, I should probably go over what I read again since its been a few months and I'm clearly mixed up lol. Read the Wikis on the Boglehead wiki page. Yes, retirement plans (401k, IRA) are for retirement. The money you put in is not taxed until retirement, so you save money on taxes now, and pay it many years from now. But, if you take the money out early you have to pay the taxes and penalties (usually). That's...
by tludwig23
Thu Nov 10, 2016 8:36 pm
Forum: Personal Investments
Topic: Help for former check to check and drowning in debt 30 yr old!
Replies: 15
Views: 2814

Re: Help for former check to check and drowning in debt 30 yr old!

My question is should I invest in a 401k even tho I won't get a match since I am no longer employed, or should I go with a easy breezy VTSMX? OK, let's start with the basics. A 401k and an IRA are type of retirement plans . VTSMX is a mutual fund. So this isn't an either-or type question. You need to choose what type of account to invest in (IRA, 401k, taxable account, etc.), and then you need to choose what to invest in within the account (VTSMX, a bond fund, a target date index fund, etc.) I'm practically illiterate when it comes to investing so I just want something simple and relatively safe. I read that going with Mutual Funds are pointless and a waste of money though. First you need an emergency fund. That should be invested in somet...
by tludwig23
Wed Oct 26, 2016 11:19 am
Forum: Investing - Theory, News & General
Topic: Future technology and future inflation
Replies: 9
Views: 2141

Re: Future technology and future inflation

1. Yes, eventually.
2. It shouldn't.
by tludwig23
Sun Oct 16, 2016 4:29 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 11037
Views: 2066226

Re: What Movie Have You Recently Watched?

Just saw A Man Called Ove. Very good. I'd highly recommend for anyone.