Search found 1283 matches

by LiveSimple
Fri Aug 16, 2019 9:25 am
Forum: Investing - Theory, News & General
Topic: Why not invest in sector ETFs?
Replies: 14
Views: 1013

Re: Why not invest in sector ETFs?

if you have a plan on the % of allocation to sectors and stick to the plan, it may work out.
If the allocation goes down, buy cheap and re balance. If the allocation goes high, sell high re balance.

Shut the noise and stay the course !!!
by LiveSimple
Sun Aug 11, 2019 5:54 pm
Forum: Personal Consumer Issues
Topic: best gadget for juicing ginger root?
Replies: 5
Views: 442

Re: best gadget for juicing ginger root?

Any blender should work even the bullet mixie. Can strain the pulp for a smooth taste. Just press the pulp through the strainer.
by LiveSimple
Thu Aug 08, 2019 5:28 am
Forum: Personal Finance (Not Investing)
Topic: Taking a graduate data science job offer, or doing a MSc in Statistics
Replies: 34
Views: 2106

Re: Taking a graduate data science job offer, or doing a MSc in Statistics

Take the job, in the industry we do not look at the educational degrees,just what can you accomplish everyday by learning on the job. So keep learning every day.
by LiveSimple
Wed Aug 07, 2019 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Employer offering equity in company. What questions to ask?
Replies: 33
Views: 2478

Re: Employer offering equity in company. What questions to ask?

OP, for the $$$ you were to invest, why not invest the same in Total Stock Market Index fund and enjoy
by LiveSimple
Wed Aug 07, 2019 10:36 am
Forum: Investing - Theory, News & General
Topic: when blood in the market...
Replies: 15
Views: 2111

Re: when blood in the market...

Total Stock Market Index Funds for sure...or review your Asset Allocation and decide
by LiveSimple
Wed Aug 07, 2019 5:55 am
Forum: Personal Finance (Not Investing)
Topic: Employer offering equity in company. What questions to ask?
Replies: 33
Views: 2478

Re: Employer offering equity in company. What questions to ask?

I will never buy anything under a time pressure, that itself is a sign to walk away.
by LiveSimple
Tue Aug 06, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage @ 2.67 % from Total Stock Market Index ?
Replies: 32
Views: 2600

Re: Payoff Mortgage @ 2.67 % from Total Stock Market Index ?

Without knowing more, I would say #3, because 1. 2.67% is a wicked low interest rate. If you're able to itemize, this rate looks even better. 2. With <10 years left on the mortgage, you're probably paying mostly principal. The grand total interest saved at this point by paying off the mortgage is, ...
by LiveSimple
Tue Aug 06, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage @ 2.67 % from Total Stock Market Index ?
Replies: 32
Views: 2600

Re: Payoff Mortgage @ 2.67 % from Total Stock Market Index ?

cherijoh wrote:
Tue Aug 06, 2019 1:36 pm
Read my above response to grabiner's post. You have to sell more shares to realize the same amount of money. Remember your remaining mortgage balance is independent of what the stock market does.
Appreciate the response. yes understand that.
by LiveSimple
Tue Aug 06, 2019 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage @ 2.67 % from Total Stock Market Index ?
Replies: 32
Views: 2600

Re: Payoff Mortgage @ 2.67 % from Total Stock Market Index ?

Just for someone who can really do a math, the LTCG will be 20%, when I viewed last time. Is your cost basis 80% of the current balance (i.e., you would have capital gains of $20K per $100K of TSM sold) or you would be paying a 20% tax on whatever capital gains are generated? The latter begs the qu...
by LiveSimple
Tue Aug 06, 2019 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage @ 2.67 % from Total Stock Market Index ?
Replies: 32
Views: 2600

Re: Payoff Mortgage @ 2.67 % from Total Stock Market Index ?

Just for someone who can really do a math, the LTCG will be 20%, when I viewed last time. I look at this a capturing the LTCG as well, than just the tax on this. FWIW, everyone who pays the 20% LTCG marginal rate will also have an Adjusted Gross Income that causes them to owe Net Investment Income ...
by LiveSimple
Tue Aug 06, 2019 5:30 am
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage @ 2.67 % from Total Stock Market Index ?
Replies: 32
Views: 2600

Re: Payoff Mortgage @ 2.67 % from Total Stock Market Index ?

How old are you? How stable is your job? How long until you plan to retire? Not knowing those details, my answer would be don't pay it off. That's a great rate, near inflation. Thanks, will keep the mortgage, as is. Just not account the amount of mortgage in my taxable as a retirement asset, just t...
by LiveSimple
Tue Aug 06, 2019 5:28 am
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage @ 2.67 % from Total Stock Market Index ?
Replies: 32
Views: 2600

Re: Payoff Mortgage @ 2.67 % from Total Stock Market Index ?

grabiner wrote:
Mon Aug 05, 2019 8:29 pm
See Paying down loans versus investing on the wiki.
Appreciate your insights very thoughtful and practical.
by LiveSimple
Mon Aug 05, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: "Duty Free" shops at Airports
Replies: 44
Views: 3976

Re: "Duty Free" shops at Airports

We like European chocolates at the duty free shops, from Europe. If we did not buy earlier.

Or sometime to spend the local currency at the airport.
by LiveSimple
Mon Aug 05, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage @ 2.67 % from Total Stock Market Index ?
Replies: 32
Views: 2600

Re: Payoff Mortgage @ 2.67 % from Total Stock Market Index ?

Pay it off, then redirect the mortgage payments into the taxable account. You will enjoy the feeling of knowing you are only responsible for property taxes and insurance, where depending d on where you live could be considerable. Agree with this. I cashed out about 40k last March and paid off my mo...
by LiveSimple
Mon Aug 05, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage @ 2.67 % from Total Stock Market Index ?
Replies: 32
Views: 2600

Re: Payoff Mortgage @ 2.67 % from Total Stock Market Index ?

Thanks a lot for all the input. As I am going through or thinking, I do see all perspectives and no clear winner for any one option. All are good options though.... Mostly all things are taken care, as we are evaluating a FIRE scenario, in a few years. Hence thinking either to pay off the mortgage a...
by LiveSimple
Mon Aug 05, 2019 8:53 am
Forum: Investing - Theory, News & General
Topic: Will stocks be cheap again in your lifetime?
Replies: 33
Views: 3717

Re: Will stocks be cheap again in your lifetime?

Well IF S&P 500 ends up at 6000, 25 years from today (that would be the case if it achieved a 3% annual compound growth) then they're looking awfully cheap today. That doesn't even include the dividends, which would make the prices seem even cheaper. If anything, it's time to buy! :sharebeer This !...
by LiveSimple
Mon Aug 05, 2019 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage @ 2.67 % from Total Stock Market Index ?
Replies: 32
Views: 2600

Payoff Mortgage @ 2.67 % from Total Stock Market Index ?

Payoff Mortgage @ 2.67 % from Total Stock Market Index ? Really need some advice on the questions : 1. Should we pay off the < $100K mortgage which is at 2.67% and may have 10 years left, by selling Total Stock Market Index from Taxable ? or 2. Direct all savings to payoff the mortgage and take the ...
by LiveSimple
Wed Jul 31, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 6017

Re: What's your Uber passenger rating?

4.57 less traveled
by LiveSimple
Wed Jul 31, 2019 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Take the cash or the free dinner?
Replies: 72
Views: 6214

Re: Take the cash or the free dinner?

bloom2708 wrote:
Wed Jul 17, 2019 8:10 am
I would go to the bank and take out 2 $100 bills from your checking/savings.

Skip the meeting. Walk around with $200 extra in your wallet.

No good could come out of it and $200 won't make any difference.
This is what I think as well :D
by LiveSimple
Wed Jul 24, 2019 7:17 pm
Forum: Personal Investments
Topic: Laid Off - Want to Retire / Am I OK
Replies: 145
Views: 18363

Re: Laid Off - Want to Retire / Am I OK

if you cannot retire, I am not sure, if I even can think of retiring :D
by LiveSimple
Wed Jul 24, 2019 5:14 am
Forum: Personal Investments
Topic: A little discouraged with earnings, is it really this slow?
Replies: 66
Views: 9429

Re: A little discouraged with earnings, is it really this slow?

Just keep adding, compounding works and it is like grass grow, but grows !!!!
by LiveSimple
Mon Jul 22, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Whole Bean Coffee: Worth the effort?
Replies: 90
Views: 5110

Re: Whole Bean Coffee: Worth the effort?

You can take the beans to Costco and grind as well. Have done it.
by LiveSimple
Thu Jul 18, 2019 7:45 pm
Forum: Personal Investments
Topic: Etrade denies promotion on $1 mil new account
Replies: 65
Views: 7426

Re: Etrade denies promotion on $1 mil new account

Lesson learnt move on 🤪
by LiveSimple
Sun Jul 14, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: I think i can spend 30k on this vacation, but wife not sure
Replies: 77
Views: 7420

Re: I think i can spend 30k on this vacation, but wife not sure

You can afford enjoy

Sometime we know how to earn and save and not really know how to spend well 😂
by LiveSimple
Sat Jul 13, 2019 2:41 pm
Forum: Personal Investments
Topic: What to do with 100k at this moment in time
Replies: 8
Views: 1107

Re: What to do with 100k at this moment in time

Just invest in the next day as possible.
No one knows what the market will do in the future.
by LiveSimple
Sat Jul 13, 2019 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Do foreign nationals need to file US income taxes?
Replies: 10
Views: 856

Re: Do foreign nationals need to file US income taxes?

Green card, residing in the US not working, no big assets \ passive income elsewhere in the world is no issues.
Same with lots of bank assets \ passive income elsewhere in the world do need to pay the taxes accordingly.

Pay the tax dues for the stay and enjoyment in this country. Simple.
by LiveSimple
Thu Jul 11, 2019 2:57 am
Forum: Personal Investments
Topic: Not happy with one FA allocation: PBRIX
Replies: 37
Views: 2030

Re: Not happy with one FA allocation: PBRIX

Mike, interested to see if you see the value of the suggestions here and move away from the FA and simplify your portfolio.

This will be my text book reference on how a FA may not be that helpful in designing a portfolio. 😳
by LiveSimple
Mon Jul 08, 2019 3:30 pm
Forum: Investing - Theory, News & General
Topic: What does the "i" in iShares stand for?
Replies: 9
Views: 832

Re: What does the "i" in iShares stand for?

i for Internet; Internet shares :D
by LiveSimple
Fri Jul 05, 2019 5:46 am
Forum: Personal Finance (Not Investing)
Topic: Preparing my wife for financial life without me.
Replies: 95
Views: 11045

Re: Preparing my wife for financial life without me.

Interesting. Let me give you a report from the trenches. Having recently lost my husband - fortunately I had always handled all the finances - I joined a grief support group in my generally high net worth senior community. To a woman, every widow but me complained that her husband had deceived her ...
by LiveSimple
Fri Jul 05, 2019 5:38 am
Forum: Personal Finance (Not Investing)
Topic: Which Engineering Discipline for the next 20+ years !!!
Replies: 168
Views: 18033

Re: Which Engineering Discipline for the next 20+ years !!!

The OP, here. The student completed computer science engineering and interned with a Big 3 technology company and now in a smaller technology company. Will see what next, long way to go... :beer Thanks for the followup, OP. I remember being part of the original discussion thread back in 2015. Glad ...
by LiveSimple
Mon Jul 01, 2019 8:50 am
Forum: Personal Consumer Issues
Topic: Robotic Lawnmowers?
Replies: 18
Views: 1498

Re: Robotic Lawnmowers?

pay a yard crew and call it done !!!
No dog house, no new purchase, no gas or electric charge

Human service as well.
by LiveSimple
Fri Jun 28, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Pursued the wrong career?
Replies: 37
Views: 6899

Re: Pursued the wrong career?

I am a technologist, so I do not understand well what your job is and why you are burnt out. However I can say if you switch to machine learning in your domain you can make 100% more compensation. Also the industry do need people like you with academic skills and apply the technology. I glanced you ...
by LiveSimple
Mon Jun 24, 2019 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: How much to budget for a week long vacation for 2?
Replies: 91
Views: 6910

Re: How much to budget for a week long vacation for 2?

$2500 per person per week of vacation, is in our range for a the past few years.
So the OP $6000 per week for 2, is reasonable, but can change based on what they want to do... how much to spend on.
by LiveSimple
Sun Jun 23, 2019 7:49 am
Forum: Forum Issues and Administration
Topic: Why not add a forum "Ask a Retiree"
Replies: 11
Views: 1034

Re: Why not add a forum "Ask a Retiree"

Why not just ask here, we all can benefit
by LiveSimple
Fri Jun 21, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 6792

Re: How to avoid high vet bills?

RobLyons wrote:

The $250 is a part of the overall cost of owning a dog of course with food, heart worm, flea prevention, etc.

So I thought it was worth asking. Thanks!
Sure understand, maybe missed that part of you paying your debt in one income and enjoying your pet.
by LiveSimple
Fri Jun 21, 2019 7:03 am
Forum: Investing - Theory, News & General
Topic: A.I. Index Funds?
Replies: 12
Views: 1587

Re: A.I. Index Funds?

Look at Vanguard VGT, it should cover the most, and not necessarily small ones that will eventually become large.
by LiveSimple
Fri Jun 21, 2019 5:48 am
Forum: Personal Consumer Issues
Topic: Passport photos cheap
Replies: 55
Views: 3236

Re: Passport photos cheap

Costco if you have membership, is $4.99
by LiveSimple
Fri Jun 21, 2019 5:41 am
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 6792

Re: How to avoid high vet bills?

Think the vet bills, as part of your charity contributions, you pay the vets, the office admins, etc. to have some compensation to maintain their life. You help a small business in the community and you get some services for your pet as well. Also see $250 yearly as part of your passion, leisure, em...
by LiveSimple
Wed Jun 19, 2019 11:31 am
Forum: Investing - Theory, News & General
Topic: Investing in Multiple Streams of Income? (NOT get rich quick)
Replies: 93
Views: 8359

Re: Investing in Multiple Streams of Income? (NOT get rich quick)

OP, My mother has a favorite saying: Even if gold fell from the sky, you will have to run faster than anyone else to catch it. If there is money to be made, there will be competition. There is no long-term sustainable easy business. If you can make money, someone else will compete with you and do i...
by LiveSimple
Sun Jun 16, 2019 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice — asking for the “gray hair perspective”
Replies: 50
Views: 4278

Re: Career advice — asking for the “gray hair perspective”

How can the OP start on his own ? Just wondering !!!
by LiveSimple
Sun Jun 16, 2019 5:50 pm
Forum: Personal Investments
Topic: Thinking of leaving Fidelity - where to go?
Replies: 12
Views: 1764

Re: Thinking of leaving Fidelity - where to go?

Do not fear for a small fire and fall into a fire pit.

Try Schawb, but make sure all your requirements are meet such as funds, or ETF, and Quicken download.

I would show some patience and see if Fidelity will work for you, just do not want to add many unknowns at this stage of your life
by LiveSimple
Sat Jun 15, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: Walking Cities, potential for retirees
Replies: 102
Views: 10282

Re: Walking Cities, potential for retirees

Downtown Sarasota fits most of your criteria. Library check Whole Foods Check Beach check Marina check Shorts and sandals check, maybe not in January Churches Check Arts check Theater check Restaurants check Live music check Any and all of the above are an easy walk from any of the others. Local co...
by LiveSimple
Sat Jun 15, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: Walking Cities, potential for retirees
Replies: 102
Views: 10282

Re: Walking Cities, potential for retirees

siamond wrote:
Sat Jun 15, 2019 12:16 pm
I am spending a few days in San Francisco, I found a nice Airbnb in the Noe Valley neighborhood, close to Mission District. This perfectly fits the OP's description. That is, if you don't mind walking up and down the hill!
Beautiful, will check
by LiveSimple
Fri Jun 14, 2019 8:34 am
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 3477

Re: Buy Mini-Van Tomorrow or No?

Get a minivan and enjoy as the kids grow in it. You will create more memories in the van that you can cherish 15+ years later. Not all enjoyment is in controlling the $$$ spent. Money you will earn, however the time, when the kids are young you cannot earn back, unless the grand kids comes into play...
by LiveSimple
Wed Jun 12, 2019 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Which Engineering Discipline for the next 20+ years !!!
Replies: 168
Views: 18033

Re: Which Engineering Discipline for the next 20+ years !!!

The OP, here.

The student completed computer science engineering and interned with a Big 3 technology company and now in a smaller technology company. Will see what next, long way to go... :beer
by LiveSimple
Tue Jun 11, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Job opportunity - KSA/Bahrain
Replies: 66
Views: 5736

Re: Job opportunity - KSA/Bahrain

Hearsay is that, it is easy to make money in ME, but hard to bring the money home.
by LiveSimple
Mon Jun 10, 2019 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: OT: Ideas for Detroit Downtown visit
Replies: 12
Views: 740

Re: OT: Ideas for Detroit Downtown visit

https://en.m.wikipedia.org/wiki/Frankenmuth,_Michigan

May be an hour drive, walk around and have dinner or go across to Birch Run Outlet mall if that interests you
by LiveSimple
Fri Jun 07, 2019 4:51 pm
Forum: Investing - Theory, News & General
Topic: Convince me not to try to time the market
Replies: 27
Views: 2242

Re: Convince me not to try to time the market

Do whatever you think is appropriate, either you may be lucky and make some $$$ or more lucky to gain a lesson
by LiveSimple
Wed Jun 05, 2019 2:33 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8938

Re: Costco or Sam's Club?

Costco