Search found 772 matches

by red5
Fri Jul 06, 2018 4:05 am
Forum: Investing - Help with Personal Investments
Topic: Fractional equity shares
Replies: 5
Views: 725

Re: Fractional equity shares

In my experience my old brokerage sold off my fractional shares and then transferred this small bit of money into a money market fund in my new brokerage. Then I could do what I wanted with this small bit of money. The money stayed inside the IRA umbrella the entire time so there were no tax consequ...
by red5
Wed Apr 25, 2018 4:51 am
Forum: Personal Consumer Issues
Topic: Difference in Difficulty Driving Moving Trucks By Size
Replies: 18
Views: 1826

Re: Difference in Difficulty Driving Moving Trucks By Size

I've driven moving trucks a few times, ranging from a 24ft monster to a 12ft van. I do find the longer ones harder to drive on the highway but only marginally so. On city streets they are more difficult to maneuver. Getting gas/diesel I found the longer ones to be a major pain. Those huge highway ga...
by red5
Thu Mar 22, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Year of dividend for tax purposes
Replies: 2
Views: 262

Re: Year of dividend for tax purposes

Thank you, I appreciate your time.
by red5
Thu Mar 22, 2018 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Year of dividend for tax purposes
Replies: 2
Views: 262

Year of dividend for tax purposes

Hello folks. I came across a situation I hadn't expected. Last year I changed all my distribution elections from reinvesting to receiving in my settlement account [bond fund VFICX at Vanguard]. Before I would receive and reinvest bond mutual fund dividends on the last business day of the month. Now ...
by red5
Thu Mar 22, 2018 4:37 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation %
Replies: 13
Views: 1360

Re: Asset allocation %

Say for example, I want to figure out a 30% stock allocation, which will have a 10% international stock inside of the 30% total. So if there is 500,000 in entire portfolio, would I take 30% first (150,000) THEN take 10% of 150,000 (15,000) to get the international amount? OR are you saying 30% stoc...
by red5
Mon Mar 19, 2018 4:37 am
Forum: Personal Consumer Issues
Topic: Cabot Trail, Nova Scotia (Cheticamp, Ingonish, Cape Breton)
Replies: 12
Views: 1103

Re: Cabot Trail, Nova Scotia (Cheticamp, Ingonish, Cape Breton)

We did this trip last summer. Two hours seems sort of correct without any stops. It can be pretty slow going at times especially if you get behind a big truck. There are numerous trails (some easy and some hard) and pull offs so that'll add time as well if you choose to stop. What we did was stay a ...
by red5
Sun Mar 18, 2018 4:53 am
Forum: Personal Consumer Issues
Topic: Which Day Hiking Trails Do You Recommend?
Replies: 44
Views: 3565

Re: Which Day Hiking Trails Do You Recommend?

I'll add another; the Black Mountain Crest Trail which starts with Celo Knob near Burns, NC and hiking the 10 or 12 miles to the top of Mount MItchell. It's an epic way to hike the tallest mountain in the eastern US. Once your to the top of Celo Knob you have an amazing hike atop the spine of the Bl...
by red5
Fri Mar 16, 2018 4:46 am
Forum: Personal Consumer Issues
Topic: Which Day Hiking Trails Do You Recommend?
Replies: 44
Views: 3565

Re: Which Day Hiking Trails Do You Recommend?

In my eyes Baxter State Park in Maine has the best hiking in the eastern US.
by red5
Tue Mar 06, 2018 5:26 am
Forum: Personal Consumer Issues
Topic: food safety after power outage
Replies: 26
Views: 2147

Re: food safety after power outage

Your homeowners insurance may cover food loss. We had a longish outage last fall and had to throw away a lot of our food. I hadn't even realised that food loss was a part of my policy. However it did not make sense to use the policy and lose my claims free discount over a couple hundred dollars.
by red5
Sat Jan 13, 2018 5:39 am
Forum: Personal Consumer Issues
Topic: Andoird device, Wifi cutting out when sleeping
Replies: 6
Views: 749

Re: Andoird device, Wifi cutting out when sleeping

Thanks everyone for commenting. On my phone: Settings -> WI-FI -> Advanced -> Keep Wi-Fi on during sleep Always (checked) While Charging Never How come you uncheck it while charging? These are the 3 options for this setting. red5 is showing you that their setting is "Keep Wi-Fi on during sleep" to ...
by red5
Fri Jan 12, 2018 4:50 am
Forum: Personal Consumer Issues
Topic: Andoird device, Wifi cutting out when sleeping
Replies: 6
Views: 749

Re: Andoird device, Wifi cutting out when sleeping

Thanks everyone for commenting.
808 wrote:
Fri Jan 12, 2018 3:51 am
On my phone: Settings -> WI-FI -> Advanced -> Keep Wi-Fi on during sleep
Always (checked)
While Charging
Never
How come you uncheck it while charging?
by red5
Thu Jan 11, 2018 4:49 am
Forum: Personal Consumer Issues
Topic: Andoird device, Wifi cutting out when sleeping
Replies: 6
Views: 749

Andoird device, Wifi cutting out when sleeping

Hey folks. I've searched around and even tried out a couple other websites but have not been able to solve my issue. While at home I have it set to Wifi only (Data is turned off). When the screen blackens and the unit goes to sleep it will often lose it's wifi connection (sometimes it keeps it but l...
by red5
Thu Jan 11, 2018 4:43 am
Forum: Investing - Help with Personal Investments
Topic: Buy bonds until market correction
Replies: 28
Views: 2922

Re: Buy bonds until market correction

People have been calling the market overpriced for many years now. People have been calling for a correction. It's gonna happen. It could be this month or this year. But it may not. Invest according to your plan.
by red5
Mon Jan 08, 2018 4:57 am
Forum: Investing - Help with Personal Investments
Topic: How to calculate total return (including dividends)
Replies: 7
Views: 901

Re: How to calculate total return (including dividends)

Excel can do this fairly easily and you really don't need all that much information; your contributions and their dates, withdrawals and their dates, and your portfolio value. In other words, any transactions that involve investing into your portfolio from money outside your portfolio (such as 401k ...
by red5
Thu Dec 28, 2017 4:19 am
Forum: Personal Finance (Not Investing)
Topic: Tax Bill - Retirement savings cont. credit
Replies: 3
Views: 655

Tax Bill - Retirement savings cont. credit

Anyone know if the "Retirement Savings Contribution Credit" made it into the new tax bill? I've searched but haven't come up with anything.

Thank you
by red5
Wed Dec 13, 2017 2:55 am
Forum: Investing - Help with Personal Investments
Topic: Sell to lock in 0% cap gains?
Replies: 10
Views: 1542

Re: Sell to lock in 0% cap gains?

I've been thinking about this and would just like to piggy back on this thread. Would it go something like this: 1. Sell ALL shares of an asset, such as Vanguard Total Stock (VTI). 2. Within seconds use transaction proceeds to purchase back as many shares as possible. So by Close of Business you'll...
by red5
Tue Dec 12, 2017 4:36 am
Forum: Investing - Help with Personal Investments
Topic: Sell to lock in 0% cap gains?
Replies: 10
Views: 1542

Re: Sell to lock in 0% cap gains?

I've been thinking about this and would just like to piggy back on this thread. Would it go something like this: 1. Sell ALL shares of an asset, such as Vanguard Total Stock (VTI). 2. Within seconds use transaction proceeds to purchase back as many shares as possible. So by Close of Business you'll ...
by red5
Tue Nov 21, 2017 4:15 am
Forum: Investing - Help with Personal Investments
Topic: Slice and Dice
Replies: 40
Views: 3897

Re: Slice and Dice

Here is a link Madsingers Monthly Report (this is a Bogleheads.org link)

You'll see listed quite a few different porfolios/funds and how they have done over multiple time periods. The 3-fund is an excellent portfolio but there are other good ones out there as well.
by red5
Tue Nov 21, 2017 4:07 am
Forum: Investing - Help with Personal Investments
Topic: Slice and Dice
Replies: 40
Views: 3897

Re: Slice and Dice

I do about 7 funds and spend about 30 minutes a year managing them. Really, it's not really harder to manage 7 funds than 3. I'm not saying one way is right and the other way is wrong either. Both are great ways to invest.
by red5
Mon Sep 25, 2017 4:28 am
Forum: Investing - Help with Personal Investments
Topic: Pay student loans versus invest
Replies: 14
Views: 1289

Re: Pay student loans versus invest

First make sure you have an appropriately sized emergency fund. If it were me I would not consider investing that 70k, especially in individual stocks (have you started retirement investing?). I'm not familiar with the rental world but how sure are you that you would get 10-13%. You should be skepti...
by red5
Wed Sep 20, 2017 4:03 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 30010

Re: Calling out the not so rich bogleheads

I have been an avid follower of this forum for quite some time now and would firstly like to say there's nothing quite like it anywhere on the web. It provides so much useful information on so many different things that I would rate it as one of the most useful websites as it pertains to investing ...
by red5
Sat Sep 16, 2017 3:33 am
Forum: Personal Consumer Issues
Topic: Recommend a DIY home improvement forum?
Replies: 3
Views: 790

Re: Recommend a DIY home improvement forum?

Maybe something at reddit? /r/diy looks pretty active.
by red5
Sat Sep 16, 2017 3:27 am
Forum: Forum Issues and Administration
Topic: Home Page Updated
Replies: 82
Views: 8779

Re: Home Page Updated

Not sure if this has been discussed (haven't gone through the entire thread) but I miss having the page numbers available to click on when at bogleheads.org. I liked being able to jump to whatever page I wanted when viewing a long thread.
by red5
Mon Sep 11, 2017 3:46 am
Forum: Personal Consumer Issues
Topic: Underlayment for hardwood floors
Replies: 31
Views: 3153

Re: Underlayment for hardwood floors

#15 roofing felt is what we are using (we are the middle of the project) for a couple reasons. One, it seems to be a common underlayment, perhaps even the most common. Two, the instructions say to use #15 roofing felt or the warranty would be void. This stuff does nothing for sound though, just mois...
by red5
Sun Sep 10, 2017 4:27 am
Forum: Personal Consumer Issues
Topic: 7 year old son's coin collection (& my observation on circulation?)
Replies: 14
Views: 2646

Re: 7 year old son's coin collection (& my observation on circulation?)

My kids, whom are about your son's age, love searching coin rolls as well. It's been great fun sitting at the kitchen table and opening hundreds of rolls. We do pennies, nickels, dimes and quarters. We are quite far east and have a difficult time finding some of the Ds but patience usually wins out....
by red5
Tue Aug 29, 2017 3:50 am
Forum: Personal Consumer Issues
Topic: Driving a car [in] Italy, any suggestion?
Replies: 47
Views: 4404

Re: Driving a car Italy, any suggestion?

'Gasolio' is not gasoline! Don't fill up your car with gasolio unless you have a diesel engine. Thank goodness that nozzle was to large to fit into my vehicle.
by red5
Fri Jul 07, 2017 4:33 am
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 86
Views: 11713

Re: Is it Safe to Get Your DNA Tested?

Well I think the tide is certainly against taking the test. Anyhow, let me give you another tidbit to think about. Someone I know recently took the test and got the ethnicity results. But the major success was finding 400 possible genealogical matches via DNA similarities. Some of them are pretty cl...
by red5
Fri Jun 23, 2017 4:17 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX dividend error?
Replies: 24
Views: 3532

Re: VTSAX dividend error?

I picked up on that as well. However I was able to calculate that the shares I received were not based on $58.50 but rather on the correct price (which was somewhere around $60.77 or so).
by red5
Fri Jun 16, 2017 4:17 am
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 18287

Re: Anyone else gotten totally bored with investing?

Yep :)

I get about 10 minutes of "excitement" a year when I invest my IRA contribution and balance my accounts at the same time. Then it's just checking asset allocation throughout the year for any rebalancing opportunities (which never come).
by red5
Sun Jun 04, 2017 4:40 am
Forum: Personal Consumer Issues
Topic: Trans-Labrador Highway advice and tips requested
Replies: 4
Views: 992

Re: Trans-Labrador Highway advice and tips requested

It has been quite a few years now but I once drove a highway up through Quebec and into Labrador City. I recall there being one tiny gas station along the way and a lot of pristine beauty. The entire road was gravel but in very good shape for the trucks. It was a lot of fun driving. I have never bee...
by red5
Fri May 19, 2017 3:42 am
Forum: Investing - Help with Personal Investments
Topic: Small Cap Value Tilt
Replies: 5
Views: 1172

Re: Small Cap Value Tilt

I tilt using Vanguards VSIAX. It is a pretty modest tilt too. I keep it at a 1:5 ratio with the Total US Stock fund. I think you should ask yourself why you want to tilt. Is it because SCV has been doing quite well in the past (recency bias)? Is it because you genuinely believe SCV will outperform t...
by red5
Mon May 15, 2017 4:09 am
Forum: Personal Consumer Issues
Topic: Best UPF Comfortable Field Shirt
Replies: 15
Views: 1725

Re: Best UPF Comfortable Field Shirt

I just bought this short sleeve button shirt from Academy Sports . It is really comfortable and light. It is made of polyester. I think it offers 30 UPF. I normally wear medium shirts but had to get a small size so keep that in mind if you decide to order one online. Good price too. Academy also has...
by red5
Sun Apr 02, 2017 5:09 am
Forum: Personal Finance (Not Investing)
Topic: Am I understanding self employment correctly?
Replies: 7
Views: 1133

Re: Am I understanding self employment correctly?

Thank you all so much. I'm gonna read over these responses a few more times to let things sink in. I had schedules and worksheets in front of me yesterday doing dry runs with Turbo Tax to see if I could get the numbers to match up (which they did!). I did the same thing when doing regular W2 taxes a...
by red5
Sat Apr 01, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Am I understanding self employment correctly?
Replies: 7
Views: 1133

Am I understanding self employment correctly?

Hello folks, For 2017 I am being switched from a W2 employee to, uh, I guess a 1099-MISC contractor. This is my first time being paid like this. I've spent the morning going over estimated tax worksheets, schedule C, SE, self employment taxes and deductions, and I must admit it's a bit dizzying for ...
by red5
Wed Mar 29, 2017 3:45 am
Forum: Personal Finance (Not Investing)
Topic: How to easily organize personal finances
Replies: 31
Views: 3129

Re: How to easily organize personal finances

I keep several types of spreadsheets for: - taxes - assets - expenses - credit cards I also create custom spreadsheets for specific purposes, e.g., planning retirement. I don't use commercial software. Creating my own spreadsheets forces me to think about every cell I create and every number I ente...
by red5
Tue Mar 28, 2017 4:06 am
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 102
Views: 11745

Re: Best take it everywhere camera

I use a Sony DSC RX100 III (they have newer models now) that I bought used on Amazon and so far am happy with its results. It fits in my pocket and takes great photos. I am used to a Canon 50D (SLR).
by red5
Fri Mar 24, 2017 4:07 am
Forum: Investing - Help with Personal Investments
Topic: Converting a target day fund to a 3-fund portfolio?
Replies: 7
Views: 1104

Re: Converting a target day fund to a 3-fund portfolio?

Would it be best to do it all at once or would another tactic be more reasonable? The concern I have is based on the most recent return of the Total Stock Market vs the Total International Stock Market. The last thing I want to do is buy high and sell low. All thoughts and suggestions are appreciat...
by red5
Sat Mar 04, 2017 6:05 am
Forum: Personal Finance (Not Investing)
Topic: (Military) Continue to pay off debt or Save for PCS? [Permanent Change of Station]
Replies: 9
Views: 899

Re: (Military) Continue to pay off debt or Save for PCS?

Won't the military pay for your PCS? Or reimburse you for any costs you incur? I PCSd over there during the last decade and the military paid for my move both ways. Where are you going? I was fortunate enough to spend 3 years in Germany. Time of my life. ] I'll be going to the UK. From what I'm tol...
by red5
Sat Mar 04, 2017 4:52 am
Forum: Personal Finance (Not Investing)
Topic: (Military) Continue to pay off debt or Save for PCS? [Permanent Change of Station]
Replies: 9
Views: 899

Re: (Military) Continue to pay off debt or Save for PCS?

Won't the military pay for your PCS? Or reimburse you for any costs you incur? I PCSd over there during the last decade and the military paid for my move both ways.

Where are you going? I was fortunate enough to spend 3 years in Germany. Time of my life.
by red5
Thu Mar 02, 2017 5:28 am
Forum: Investing - Theory, News & General
Topic: Is tilting with small cap and REIT still recommended if they are not available as index-funds?
Replies: 20
Views: 2784

Re: Is tilting with small cap and REIT still recommended if they are not available as index-funds?

Small cap and REIT are not even necessarily recommended at all. They are just a possibly riskier investment that has done well at various points in the past. Some choose to take this risk going forward. A basic total stock portfolio is another legitimate recommendation that you will often see here o...
by red5
Fri Feb 17, 2017 4:33 am
Forum: Investing - Help with Personal Investments
Topic: Really Vanguard? 48 Cents?!
Replies: 40
Views: 5799

Re: Really Vanguard? 48 Cents?!

This past January I contributed $5,500 to my money market account and from there invested in a few different mutual funds and ETFs. In the process I received a $0.03 dividend while some of that money waited in the money market fund. I thought I would make an attempt to invest that $0.03 into my Tota...
by red5
Fri Feb 10, 2017 4:50 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 408
Views: 45323

Re: Your USER NAME...what does it mean?

A long time ago in a galaxy far, far away there was this guy who did a lot of cool things.
by red5
Tue Jan 31, 2017 5:49 am
Forum: Investing - Help with Personal Investments
Topic: Alert on re balancing bands reached ?
Replies: 2
Views: 710

Re: Alert on re balancing bands reached ?

My Excel sheet will make a certain cell turn red. It is under conditional formatting if I recall correctly. Sorry I cannot offer any more help.
by red5
Wed Jan 11, 2017 4:19 am
Forum: Investing - Help with Personal Investments
Topic: Non-resident alien in Uruguay, which broker to choose for US investment?
Replies: 33
Views: 3590

Re: Which broker should I choose?

Are you located in the United States? Uruguay?
by red5
Fri Jan 06, 2017 5:53 pm
Forum: Personal Consumer Issues
Topic: Tell me all about snowblowers
Replies: 50
Views: 5169

Re: Tell me all about snowblowers

Also, I never ever stick my hand in there while it is turned on, not even when just the key is in the on position. While this is good, don't want to lull people into a false sense of safety. Nearly half of all limb injuries inflicted by snowblowers occur when the engine is NOT running. A typical sc...
by red5
Fri Jan 06, 2017 4:28 am
Forum: Personal Consumer Issues
Topic: Tell me all about snowblowers
Replies: 50
Views: 5169

Re: Tell me all about snowblowers

I use a 28" Ariens for a 300' driveway and can get it done in 30 to 60 minutes. That may be overkill for you. It is a beast. Also, I never ever stick my hand in there while it is turned on, not even when just the key is in the on position.
by red5
Thu Jan 05, 2017 5:11 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard statement error
Replies: 4
Views: 959

Re: Vanguard statement error

For my IRA some of my mutual funds came out with differing cost basis amounts by a few pennies. I inquired about it and they told me that their new method of calculating cost basis is more accurate since they round to more digits now. I didn't and don't buy that explanation but didn't seek anything ...
by red5
Wed Jan 04, 2017 9:51 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (December 2016)
Replies: 13
Views: 2916

Re: madsinger monthly report (December 2016)

I was also at 9.74% for 2016 (XIRR using Excel)

17/83 Fixed Income and Stocks (of which I am 60/40 US/INTL)