Search found 33 matches

by vasaver
Tue Feb 11, 2020 11:06 am
Forum: Personal Consumer Issues
Topic: Thoughts on buying cheap, used, short range EV
Replies: 87
Views: 4991

Re: Thoughts on buying cheap, used, short range EV

We have a 2015 Nissan Leaf (52k miles) and it just works. We bought it used off lease 3 years ago for $8,500 - it is the basic S model with heated seats and steering wheel. The battery shows 12 bars and degradation is less that I expected but we are close to losing the first bar. Prices have gone up...
by vasaver
Wed Feb 05, 2020 12:18 pm
Forum: Investing - Theory, News & General
Topic: What bonds are you buying?
Replies: 71
Views: 4343

Re: What bonds are you buying?

For me my monthly purchases include Tips, LTT, some total bond type funds, international developed hedged, HY corporate, and Emerging market bonds (both dollar and local currency). I also own some G fund but it is not being added too. Any specific reasons why you are not adding to the G fund? We ar...
by vasaver
Wed Jan 29, 2020 10:13 pm
Forum: Investing - Theory, News & General
Topic: VT Total World Stock ETF and the Foreign Tax Credit Pinch Out
Replies: 47
Views: 6805

Re: VT Total World Stock ETF and the Foreign Tax Credit Pinch Out

I received the following message: After consulting with our Tax Department, there was no foreign tax paid for Vanguard Total World Stock Index Fund Admiral Shares (VTWAX) for 2019. I understand that it had foreign tax paid in previous years, but there was none reported for 2019. I followed up via p...
by vasaver
Mon Jan 06, 2020 1:26 pm
Forum: Investing - Theory, News & General
Topic: 2020 Bogleheads Conference and Survey
Replies: 50
Views: 5860

Re: 2020 Bogleheads Conference and Survey

Would it be possible to have some of the conference on the weekend? During the week is great for retirees and professionals with a flexible schedule.

With the new "Bogleheads University" - it could target a younger audience that doesn't have the flexibility. Thanks!
by vasaver
Sat Jan 04, 2020 2:57 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman will be our February 2020 "Bogleheads on Investing" guest.
Replies: 85
Views: 5628

Re: Paul Merriman will be our February 2020 "Bogleheads on Investing" guest.

Paul pushes his Value idea which has lagged growth for years. How long of a horizon does he believe value will perform better than growth? The best time to buy a strategy is often when it isn’t working. Along the same lines as Housedoc, Paul Merriman has long advocated small/value tilts based on ac...
by vasaver
Thu Oct 31, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: Timeshare offer experience
Replies: 103
Views: 11475

Re: Timeshare offer experience

Can you schedule these "deals" during the busy season (Red/Platinum, Christmas......) or just during the off season like now when they would have empty rooms?
by vasaver
Sun Oct 20, 2019 6:20 pm
Forum: Personal Investments
Topic: Priotized Investments wiki - for a Microsoft Employee
Replies: 16
Views: 2122

Re: Priotized Investments wiki - for a Microsoft Employee

Does anyone have advice on these funds in the 401k? It might be useful in the wiki to discuss how they could/should fit into a portfolio. PIMCO All Asset All Authority (PAUIX) Expense 3.01% gross 2.94% net 39% turnover PIMCO Inflation Response Multi-Asset Fund (PIRMX) Expense 1.33% gross 1.1% net 37...
by vasaver
Sat Oct 19, 2019 4:31 pm
Forum: Personal Investments
Topic: Priotized Investments wiki - for a Microsoft Employee
Replies: 16
Views: 2122

Re: Priotized Investments wiki - for a Microsoft Employee

401k : I believe that after-tax in-plan Roth conversions is #8 on his list. In-plan Roth conversions (aka Mega Backdoor Roth) make sense for anyone who would otherwise invest that money. It doesn't matter what state income tax you pay. Your only other option is a taxable account. Microsoft matches ...
by vasaver
Sat Oct 19, 2019 2:01 pm
Forum: Personal Investments
Topic: Priotized Investments wiki - for a Microsoft Employee
Replies: 16
Views: 2122

Re: Priotized Investments wiki - for a Microsoft Employee

If you live in Washington State or another place without a state Income Tax consider doing 401k Roth-in-Plan conversions. The current TCJA provisions which expire in 2025 make this more appealing. If you might retire or end up in a state like California with high income taxes conversions might be be...
by vasaver
Fri Oct 04, 2019 10:16 am
Forum: Personal Finance (Not Investing)
Topic: How does one find dentists who would provide cleaning under GEHA HDHP
Replies: 6
Views: 644

Re: How does one find dentists who would provide cleaning under GEHA HDHP

Thanks to everyone for chiming in. Just to confirm, is it a fixed fee that GEHA remits after the fact, and the policy holder will end up paying extra? Or would it be a percentage that GEHA remits? If it's the latter, what does GEHA consider to be "standard and reasonable" for cleaning? So for insta...
by vasaver
Wed Sep 25, 2019 2:42 pm
Forum: Personal Investments
Topic: ROTH IRA - First Time Investor - Paul Merriman's Ultimate ALL VALUE Portfolio
Replies: 22
Views: 1655

Re: The Three-Fund Portfolio

Thanks for the feedback? Is the 3 fund portfolio the one with a Total US Stock Market Fund, a Total International Stock Market fund, and a bond fund? Sounds like a good portfolio but don't feel like I would invest in Bonds at my age for now. jaykob21: Use this link to The Three-Fund Portfolio and i...
by vasaver
Wed Jul 24, 2019 8:21 am
Forum: Personal Investments
Topic: Who has the best (easiest) Donor Advised Fund
Replies: 57
Views: 3231

Re: Who has the best (easiest) Donor Advised Fund

Started using Fidelity this year. Super easy and lower minimums (vs vanguard).
by vasaver
Wed Jul 10, 2019 10:40 pm
Forum: Personal Consumer Issues
Topic: Why Is Cord Not Included?
Replies: 32
Views: 4432

Re: Why Is Cord Not Included?

Did you order from Costco? I just had a Range, Dishwasher and Fridge installed and they included all of the electric/water cables/hoses.
by vasaver
Sat Jul 06, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: Time for a new car - Corolla or Civic...
Replies: 101
Views: 11032

Re: Time for a new car - Corolla or Civic...

What about the Prius Prime? Online I see new ones are about 24.5k and they qualify for the 4.5k federal tax credit...maybe even state/local/utility as well. Great car for 20k.
by vasaver
Wed Jun 26, 2019 7:18 am
Forum: Personal Consumer Issues
Topic: Purchasing Major Appliances from Costco
Replies: 43
Views: 9794

Re: Purchasing Major Appliances from Costco

We just purchased an Appliance package from Costco. The local delivery/installer was JB Hunt and they did a great job. Filled out the rebate form and hopefully that will work out. Pricing was a little better than Home Depot and I think the warranty was extended from 2 to 4 years for using the Costc...
by vasaver
Tue Jun 25, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Purchasing Major Appliances from Costco
Replies: 43
Views: 9794

Re: Purchasing Major Appliances from Costco

We just purchased an Appliance package from Costco. The local delivery/installer was JB Hunt and they did a great job. Filled out the rebate form and hopefully that will work out. Pricing was a little better than Home Depot and I think the warranty was extended from 2 to 4 years for using the Costco...
by vasaver
Thu Jun 06, 2019 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Moving mid-year, 529 tax break in both states?
Replies: 9
Views: 805

Re: Moving mid-year, 529 tax break in both states?

The Virginia Plan is pretty solid and the fees are very low. Is there a reason you want to make a last minute contributions to the MD Plan? Maryland Plan (Page 9) https://maryland529.com/Portals/0/Files/cip_disclosure.pdf S&P 500 - .26% US Bond - .35% Extended Equity - .40% Global Equity - .40% Trea...
by vasaver
Tue Jun 04, 2019 9:18 am
Forum: Investing - Theory, News & General
Topic: "Roth IRA: Two Clocks"
Replies: 20
Views: 1993

Re: "Roth IRA: Two Clocks"

Thanks for posting I wasn't sure how Vanguard (or any company) would process distributions. From the article it says : "If Jim does take a distribution, ordering rules are as follows: contributed dollars come out first, then converted dollars, then earnings" This is great that contributed dollars co...
by vasaver
Mon Apr 29, 2019 9:56 pm
Forum: Investing - Theory, News & General
Topic: Is factor-based small-value/Fama-French tilting worth it?
Replies: 101
Views: 7527

Re: What experts say

Do you think that some investors are good candidates to bear tilt risk or that it is a pretty universally bad idea because the benefit is so uncertain or small? hungrywave: I agree with these experts: American Association of Individual Investors: "It should come as no surprise that behavioral finan...
by vasaver
Thu Apr 04, 2019 6:41 pm
Forum: Personal Investments
Topic: Ultimate Buy and Hold...thoughts?
Replies: 43
Views: 7812

Re: Ultimate Buy and Hold...thoughts?

What are you looking for with the UB&H portfolio? We liked it for years, but more recently prefer the all value portfolio :

https://paulmerriman.com/best-in-class- ... lios-2019/
by vasaver
Sat Mar 23, 2019 5:19 pm
Forum: Personal Consumer Issues
Topic: DirecTv Now changes
Replies: 32
Views: 2793

Re: DirecTv Now changes

It is my understanding that no one is being grandfathered. I mean yes you can keep your plan but everyone’s price is increasing. ATT is grandfathering the $25/month discount. Plan prices can go up just like grandfathered unlimited data plans for cell phones. You can keep the plan, but the price mig...
by vasaver
Sat Mar 23, 2019 7:13 am
Forum: Personal Consumer Issues
Topic: DirecTv Now changes
Replies: 32
Views: 2793

Re: DirecTv Now changes

Even with the $10 increase I think it is still provides the most channels we watch for the least cost. $50/month grandfathered Go Big + $5 HBO = $55/month. What channels do you actually watch? Our main channels are : Discovery (HGTV & TLC) Viacom (Nick Jr., Comedy Central) A&E MTV Disney Junior MSNB...
by vasaver
Thu Mar 14, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: What's Your Opinion on Nest Thermostats
Replies: 62
Views: 6064

Re: What's Your Opinion on Nest Thermostats

We had an older version of the Nest, but switched to an EcoBee for the remote sensors. Eventually we switched back to the Nest when the remote senors came out because we missed the Physical knob. We found the EcoBee touch screen wasn't that great the Nest is so much easier adjust the temp. We did no...
by vasaver
Thu Mar 07, 2019 6:28 pm
Forum: Investing - Theory, News & General
Topic: New Best-in-Class ETF recommendations for Merriman Ultimate Buy & Hold Portfolio (March 2019)
Replies: 55
Views: 8526

Re: New Best-in-Class ETF recommendations for Merriman Ultimate Buy & Hold Portfolio (March 2019)

I like the work they have done but have a few changes.

US LCV/SCV I am using VFVA instead of RPV/SLYV
Intl LCV I am using IVLU instead of EFV

I have to look more at DGS instead of VWO/EWX.
by vasaver
Wed Feb 27, 2019 2:07 pm
Forum: Personal Investments
Topic: TSP G fund vs other Treasury Options
Replies: 9
Views: 1207

Re: TSP G fund vs other Treasury Options

Thanks everyone - we will stick with the G fund appreciate your responses.
by vasaver
Tue Feb 26, 2019 11:20 pm
Forum: Personal Investments
Topic: TSP G fund vs other Treasury Options
Replies: 9
Views: 1207

TSP G fund vs other Treasury Options

Hello TSP experts, I am re-evaluating our fixed income options. Currently using the G fund to fill our fixed income space. For equities we tilt small/value using Paul Merriman's recommendations. For fixed income he recommends : Mutual Fund or ETF (Tax-Deferred) 30% - VSBSX - Short-Term Government Bo...
by vasaver
Tue Feb 26, 2019 10:10 am
Forum: Investing - Theory, News & General
Topic: DFA Small/Mid Cap Value Fund in 401k, but it's not a mutual fund?
Replies: 6
Views: 628

Re: DFA Small/Mid Cap Value Fund in 401k, but it's not a mutual fund?

I have the same fund...check the custom Morningstar factsheet posted on the Fidelity netbenefits site.
by vasaver
Tue Feb 19, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: Best PAID music streaming service?
Replies: 69
Views: 4979

Re: Best PAID music streaming service?

Easy Google Music

6 People for 14.99
$2.50/month per person for unlimited music and Add Free Youtube

Just the Add Free Youtube is worth more than that to our family.
by vasaver
Fri Feb 15, 2019 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Invest or 529 PLan
Replies: 63
Views: 2109

Re: Invest or 529 PLan

This site has an investments prioritization wiki page....is it possible some of the gurus can do something similar for college planning/529s? Perhaps say things like "if you're income is above XXX, and you have maxed out your retirement accounts, then do THIS". The more I read about 529s and how fa...
by vasaver
Tue Feb 12, 2019 11:08 am
Forum: Personal Investments
Topic: TSP - how to allocate funding between ROTH TSP and Traditional TSP
Replies: 11
Views: 979

Re: TSP - how to allocate funding between ROTH TSP and Traditional TSP

Related question on the ROTH vs Traditional TSP allocations. Can you invest the sub accounts differently? For Example can you specify the Traditional TSP invest in the G Fund and Roth in C,S,I? No, there is no way to invest them differently. However, you shouldn't pretend that by putting the G Fund...
by vasaver
Tue Feb 12, 2019 10:04 am
Forum: Personal Investments
Topic: TSP - how to allocate funding between ROTH TSP and Traditional TSP
Replies: 11
Views: 979

Re: TSP - how to allocate funding between ROTH TSP and Traditional TSP

Related question on the ROTH vs Traditional TSP allocations.

Can you invest the sub accounts differently? For Example can you specify the Traditional TSP invest in the G Fund and Roth in C,S,I?
by vasaver
Tue Feb 05, 2019 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Cost of college and 529
Replies: 642
Views: 27638

Re: Cost of college and 529

I am convinced that there are very few subjects that roil Bogleheads more than a discussion of how and if to pay for college for their children or the decision on where their kids should go to college. You could start a thread on paying for colleges using the dividends from your investments. For ex...
by vasaver
Fri Oct 19, 2012 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: 529's: Torn Between Utah and Vanguard (Nevada) Plans
Replies: 21
Views: 12990

Re: 529's: Torn Between Utah and Vanguard (Nevada) Plans

CLSMS,

Congrads on the baby - we just had one as well and live in Virginia. I was under the assumption that we would still get the deduction for state income tax in the Virginia 529. Does it phase out? We are planning to stick to the 4k limit per account.