Search found 788 matches
- Thu Jun 01, 2017 10:32 pm
- Forum: Personal Finance (Not Investing)
- Topic: Hypothetical tax efficiency question
- Replies: 3
- Views: 747
Hypothetical tax efficiency question
I'm trying to get my head around how qualified dividends are treated. If your only income was qualified dividends, how much income could you have and pay zero taxes? For marrieds, is it really $75,900?
- Wed Apr 19, 2017 5:27 pm
- Forum: Personal Investments
- Topic: The great commodities debate
- Replies: 39
- Views: 7969
Re: The great commodities debate
Hi BobK! I don't have much to say any more that wouldn't get deleted by moderators, but I still lurk!bobcat2 wrote:Hi Murray,Murray Boyd wrote:I just looked up the long-term performance of PCRIX. Aha! That's hilarious.
A very warm welcome back. Please don't wait two years to make your next post.![]()
Best,
BobK
- Fri Apr 14, 2017 1:44 pm
- Forum: Personal Investments
- Topic: The great commodities debate
- Replies: 39
- Views: 7969
Re: The great commodities debate
I just looked up the long-term performance of PCRIX. Aha! That's hilarious.
- Fri Apr 14, 2017 1:06 am
- Forum: Personal Investments
- Topic: The great commodities debate
- Replies: 39
- Views: 7969
Re: The great commodities debate
Heya gang, checking in eight years later. Are commodities back in fashion yet?
- Wed Mar 11, 2015 6:07 pm
- Forum: Personal Finance (Not Investing)
- Topic: What are some common misconceptions found in this forum?
- Replies: 209
- Views: 24927
Re: What are some common misconceptions found in this forum?
That stock markets are for raising funds for investment.
- Sun Feb 01, 2015 12:54 am
- Forum: Personal Consumer Issues
- Topic: How much is a safe car worth?
- Replies: 170
- Views: 15810
- Mon Nov 24, 2014 7:49 pm
- Forum: Personal Consumer Issues
- Topic: Vegan Raw Food Diet
- Replies: 33
- Views: 7333
Re: Vegan Raw Food Diet
The primatologist Richard Wrangham (who happens to a vegetarian as well) wrote a book called, "Catching Fire: How Cooking Made Us Human." He makes the case that humans have evolved to eat cooked food. Basically, we have soft teeth and don't digest raw food very well. He says that it's very...
- Sun Nov 02, 2014 6:17 pm
- Forum: Personal Consumer Issues
- Topic: Anyone consider retiring to Vancouver, Washington?
- Replies: 45
- Views: 14823
Re: Anyone consider retiring to Vancouver, Washington?
I grew up near Vancouver, WA. It's the same suburb as anywhere else in America. It's a great place to live if you really love being in your car.
- Sun Oct 05, 2014 10:11 pm
- Forum: Personal Consumer Issues
- Topic: Advisable to buy a home for short term?
- Replies: 10
- Views: 1738
Re: Advisable to buy a home for short term?
If I had to do it over again I'd wait to buy until the kids were already in a school we liked. We bought in a neighborhood with good schools and now we're on the very edge of the border, and the kids won't start for a few years yet. Also, the best way to buy happiness is a short commute, preferably ...
- Fri Sep 26, 2014 7:20 pm
- Forum: Personal Consumer Issues
- Topic: Heating duct cleaning for an old house
- Replies: 3
- Views: 611
Heating duct cleaning for an old house
Anybody get their heating ducts cleaned out? Was it worth it? My house is 100+ years old and I'm sure there's a ton of dust and dirt in there, but the EPA doesn't exactly recommend it.
http://www.epa.gov/iaq/pubs/airduct.html
http://www.epa.gov/iaq/pubs/airduct.html
- Thu Apr 10, 2014 10:20 pm
- Forum: Investing - Theory, News & General
- Topic: Tax Managed International
- Replies: 32
- Views: 3854
Re: Tax Managed International
It always bugged me that Tax-Managed International excluded Canada, so there's that at least.
- Wed Apr 09, 2014 5:35 pm
- Forum: Personal Consumer Issues
- Topic: Seattle trip at end of May - Any tips?
- Replies: 33
- Views: 4109
Re: Seattle trip at end of May - Any tips?
Car2go is great, and really ideal for vacationers, just be extra careful not to sign out a car in a place that has rush hour parking restrictions (e.g., no parking 7-9 am). The basic idea is that the car might be sitting there for a day and a half after you're done with it, and it needs to be in a p...
- Thu Oct 24, 2013 5:03 pm
- Forum: Personal Consumer Issues
- Topic: .....
- Replies: 11
- Views: 2496
Re: f.lux for sleep/relaxation (freeware)
I use f.lux on my laptop. I think it's great. Before I started using it I'd often stay up way too late, but now I almost never do.
- Sat Oct 19, 2013 5:27 pm
- Forum: Personal Investments
- Topic: Will Vanguard kill the remaining Tax Managed funds?
- Replies: 8
- Views: 2890
Re: Will Vanguard kill the remaining Tax Managed funds?
If they closed TM Capital Appreciation I'd hope they would merge it with Total Stock Market.
- Fri Oct 18, 2013 5:28 pm
- Forum: Personal Consumer Issues
- Topic: Good operating system for my parents
- Replies: 68
- Views: 5666
Re: Good operating system for my parents
I've been really impressed by how well old folks can use iPads.
- Wed Oct 16, 2013 5:52 pm
- Forum: Investing - Theory, News & General
- Topic: So much for "Tax Managed" funds
- Replies: 4
- Views: 1001
Re: So much for "Tax Managed" funds
I don't think it'll make much difference either way, and the ETF complement might help with capital gains (like Wagnerjb said). TM International is my biggest single investment and it doesn't bother me. I just wish they'd include Canada in it.
- Mon Oct 14, 2013 6:42 pm
- Forum: Personal Consumer Issues
- Topic: Vacuum Cleaner Question
- Replies: 11
- Views: 1961
Re: Vacuum Cleaner Question
Another vote for Miele. They're reliable, powerful, well-designed, and very quiet. I'd rather have a german-engineered luxury vacuum than a german-engineered luxury car. The only bad thing is they have a million models to choose from.
- Thu Oct 10, 2013 12:05 pm
- Forum: Personal Consumer Issues
- Topic: Programming Linux
- Replies: 23
- Views: 2900
Re: Programming Linux
I'll pitch in a suggestion: Ruby on Rails. This is what our software dev shop uses around here, for web-based applications. Rails's learning curve is WAY too steep. It's for experienced programmers. It's what I use and I love it, but it's not for kids. The beauty of rails is how it ties everything ...
- Thu Aug 29, 2013 10:19 pm
- Forum: Investing - Theory, News & General
- Topic: "15-Year Fixed Mortgage is Usually Preferable to 30"
- Replies: 45
- Views: 7198
Re: "15-Year Fixed Mortgage is Usually Preferable to 30"
The author updated the post. I can't remember the old post well enough to tell the difference though!
http://richardhserlin.blogspot.com/2013 ... le-to.html
http://richardhserlin.blogspot.com/2013 ... le-to.html
- Fri Aug 23, 2013 9:16 pm
- Forum: Investing - Theory, News & General
- Topic: "15-Year Fixed Mortgage is Usually Preferable to 30"
- Replies: 45
- Views: 7198
"15-Year Fixed Mortgage is Usually Preferable to 30"
Just throwing this one out there: http://richardhserlin.blogspot.com/2013/08/15-year-fixed-is-usually-preferable-to.html My opinion on this is that usually 30 years is too long, at least for most college graduates with a decent income. And if it's a Wal-Mart worker couple, they should be very carefu...
- Thu Aug 22, 2013 6:21 pm
- Forum: Personal Consumer Issues
- Topic: Why aren't Car dealers prepared to deal?
- Replies: 91
- Views: 12229
Re: Why aren't Car dealers prepared to deal?
You should email around 6 (maybe more) dealers in your vicinity with your exact specs and tell them you are motivated to buy in the next several days. Stress in the email that you need their lowest out the door price and you will be going with the dealer that will give you the lowest price. Tell th...
- Thu Aug 22, 2013 5:41 pm
- Forum: Personal Consumer Issues
- Topic: Drying clothes in the sun - worth the hassle?
- Replies: 86
- Views: 9555
Re: Drying clothes in the sun - worth the hassle?
It's great for getting out berry stains.
- Thu Aug 01, 2013 4:49 pm
- Forum: Investing - Theory, News & General
- Topic: FT: The real underpinning for equities
- Replies: 1
- Views: 521
FT: The real underpinning for equities
Gavyn Davies in the Financial Times : A common concern among investors is that the profit share in the US economy is currently abnormally high, which is one reason why US equities have performed so well since 2009. It is frequently argued that the profit share must eventually “mean revert”, and whe...
- Sat Jul 13, 2013 4:45 pm
- Forum: Investing - Theory, News & General
- Topic: Larry Kotlikoff
- Replies: 17
- Views: 2861
Re: Larry Kotlikoff
It's in Access?! Really?!Crystal Ball wrote: The program is in Access and had a lot of rough edges in the early days, but works more smoothly now.
- Fri Jul 12, 2013 4:44 pm
- Forum: Personal Investments
- Topic: Need moral support--transfer from Edward Jones
- Replies: 15
- Views: 2982
Re: Need moral support--transfer from Edward Jones
My holdings include innumerable American funds and some unit trusts. My plan was to sell everything at Edward Jones, transfer the money and start anew with Vanguard funds (3 fund portfolio); I decided I could handle the capital gains tax. Do not do this! Edward Jones will murder you on fees. Transf...
- Fri Jul 12, 2013 4:38 pm
- Forum: Investing - Theory, News & General
- Topic: Larry Kotlikoff
- Replies: 17
- Views: 2861
Re: Larry Kotlikoff
We gave the software a try, and it was pretty nice (this was an early version). HOWEVER... it didn't/couldn't take into account what is for us (and I assume for more people than realize it) a very, very important factor in "consumption smoothing", at least in retirement - and for those no...
- Thu Jul 11, 2013 9:57 pm
- Forum: Investing - Theory, News & General
- Topic: Larry Kotlikoff
- Replies: 17
- Views: 2861
Re: Larry Kotlikoff
Why does consumption smoothing require extensive software? I do it now...I budget a certain amount of dollars to spend each year. Some of that goes into what I call "future liabilities" and is invested in short to intermediate term fixed income that I consider as "already spent"...
- Mon Jul 08, 2013 4:25 pm
- Forum: Personal Finance (Not Investing)
- Topic: Death Book
- Replies: 43
- Views: 28035
- Thu Jun 13, 2013 5:49 pm
- Forum: Personal Finance (Not Investing)
- Topic: Geico Mechanical Breakdown Insurance
- Replies: 2
- Views: 919
Re: Geico Mechanical Breakdown Insurance
To extend the warranty on the VW I'm buying from 3 years to 6 years is $1,400, and I am trying to compare that to Geico's coverage.
- Thu Jun 13, 2013 5:24 pm
- Forum: Personal Finance (Not Investing)
- Topic: Geico Mechanical Breakdown Insurance
- Replies: 2
- Views: 919
Geico Mechanical Breakdown Insurance
Does anybody use Geico's Mechanical Breakdown Insurance? What do you think?
- Sat Jun 08, 2013 10:39 am
- Forum: Personal Consumer Issues
- Topic: Used Hondas & Toyotas
- Replies: 41
- Views: 5197
Re: Used Hondas & Toyotas
I keep hearing from people (in the Seattle area at least) used quality cars are so expensive you're better off buying new.
- Thu Jun 06, 2013 11:43 pm
- Forum: Personal Consumer Issues
- Topic: Premium Products That Are Worth It To You
- Replies: 368
- Views: 60965
Re: Premium Products That Are Worth It To You
Miele vacuum. I'd rather have a luxury vac than a luxury car.
- Tue Apr 16, 2013 3:43 pm
- Forum: Investing - Theory, News & General
- Topic: Reinhart and Rogoff busted
- Replies: 8
- Views: 1732
Reinhart and Rogoff busted
Big problems with Reinhart and Rogoff.
Mike Konczal's summary:
http://www.nextnewdeal.net/rortybomb/re ... s-problems
Original academic paper (pdf):
http://www.peri.umass.edu/fileadmin/pdf ... /WP322.pdf
Mike Konczal's summary:
http://www.nextnewdeal.net/rortybomb/re ... s-problems
Original academic paper (pdf):
http://www.peri.umass.edu/fileadmin/pdf ... /WP322.pdf
- Tue Apr 02, 2013 11:18 pm
- Forum: Personal Finance (Not Investing)
- Topic: Vanguard 529
- Replies: 6
- Views: 916
Vanguard 529
Does the Vanguard 529 show up on the regular accounts page, or do you have to log into upromise or whatever to see it? I like having everything in one place.
- Mon Jan 21, 2013 9:05 pm
- Forum: Personal Consumer Issues
- Topic: Low VOC cabinet paints
- Replies: 6
- Views: 1122
Re: Low VOC cabinet paints
Thanks for all the replies. I think I'm going to go with the Benjamin Moore Advance and hope for the best.
- Sun Jan 20, 2013 5:54 pm
- Forum: Personal Consumer Issues
- Topic: Low VOC cabinet paints
- Replies: 6
- Views: 1122
Low VOC cabinet paints
I have a some built-in bookshelves that I'd like to paint white. Does anyone have any experience with durable low VOC cabinet paints? Thanks.
- Thu Dec 13, 2012 6:08 pm
- Forum: Personal Consumer Issues
- Topic: Decent guitar for a beginner
- Replies: 48
- Views: 4552
Re: Decent guitar for a beginner
Another vote for the ukulele. I've played guitar forever but since we had a baby my wife and I only play ukes anymore. You can hold a baby and play at the same time. We have a standard and a tenor. They're both fun. Just don't get a toy ukulele. Get one that will stay in tune.
- Mon Dec 03, 2012 4:12 pm
- Forum: Personal Investments
- Topic: Tax-exempt fund duration for the all taxable portfolio
- Replies: 11
- Views: 910
Tax-exempt fund duration for the all taxable portfolio
If I remember correctly the conventional wisdom for tax-exempt bonds used to be 50% limited-term, 50% intermediate-term (assuming an all-taxable portfolio). Is that still the case?
- Mon Dec 03, 2012 3:58 pm
- Forum: Personal Investments
- Topic: Donating appreciated securities
- Replies: 5
- Views: 611
- Mon Dec 03, 2012 1:40 pm
- Forum: Personal Investments
- Topic: Donating appreciated securities
- Replies: 5
- Views: 611
Donating appreciated securities
I just read the wiki entry on donating appreciated securities. How long is the usual turnaround time for that? Is it already too late this year to do it?
- Wed Nov 28, 2012 10:09 pm
- Forum: Personal Investments
- Topic: Not buying the dividend sanity check
- Replies: 6
- Views: 1061
Re: Not buying the dividend sanity check
Yep, lump of money.
I was just checking in case there was something I didn't know about, like, "This year EM a big distribution because of mumble mumble mumble."
I was just checking in case there was something I didn't know about, like, "This year EM a big distribution because of mumble mumble mumble."
- Wed Nov 28, 2012 2:40 pm
- Forum: Personal Investments
- Topic: Not buying the dividend sanity check
- Replies: 6
- Views: 1061
Not buying the dividend sanity check
It's time to rebalance and I've got to buy a few funds in my taxable account. To be safe I thought I'd check with the Bogleheads. Here's what I need to buy: TSM, Tax-Managed International, and Emerging Markets. It seems like they've all switched to quarterly dividends. Is it alright to buy now? Than...
- Mon Sep 17, 2012 10:27 pm
- Forum: Personal Investments
- Topic: Tax-free portfolio
- Replies: 3
- Views: 1041
Tax-free portfolio
I was talking to a friend about tax-efficiency, and we were trying to figure out how big a portfolio could be and still pay zero taxes, assuming no other income. For simplicity let's say it's 50% Vanguard Total Stock Mark Index and 50% Vanguard Intermediate-Term Tax-Exempt. The yield on the stock fu...
- Mon Mar 26, 2012 10:21 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard is lobbying with Wall St against the Volcker rule
- Replies: 3
- Views: 1409
Vanguard is lobbying with Wall St against the Volcker rule
Bank Lobby’s Onslaught Shifts Debate on Volcker Rule Knowing that they were tainted by bailouts and vulnerable to charges they were trying to preserve excessive profits, the banks looked for other firms to help press the argument. That’s what made Robert Auwaerter such a valuable ally. Auwaerter, w...
- Wed Feb 01, 2012 11:58 am
- Forum: Personal Finance (Not Investing)
- Topic: Advice for kids finding a suitable match
- Replies: 111
- Views: 8955
Re: Advice for kids finding a suitable match
You're trying to figure out how your kids can keep all their money and power when you should be worried about their happiness. Just give away the money and let them be normal.
- Fri Nov 25, 2011 12:05 pm
- Forum: Investing - Theory, News & General
- Topic: Pimco's Gross Acknowledges 'Mistake' On Treasurys Bet -FT
- Replies: 54
- Views: 7823
Looks like now he may have bet wrong on Germany:
http://mikenormaneconomics.blogspot.com ... again.html
http://mikenormaneconomics.blogspot.com ... again.html
- Fri Nov 25, 2011 11:48 am
- Forum: Investing - Theory, News & General
- Topic: What is the contribution of the financial sector?
- Replies: 8
- Views: 1276
Re: Wrong Question!
For the rest of the population, this money is "value subtracted" from the economy. I do not agree. The existence of the financial sector is overall a net positive to the rest of the population. If not for the financial sector, individuals and businesses would be unable to borrow money, ra...
- Tue Jun 14, 2011 9:51 am
- Forum: Investing - Theory, News & General
- Topic: Top court rules for Janus in securities case
- Replies: 1
- Views: 768
- Wed Nov 24, 2010 7:47 pm
- Forum: Investing - Theory, News & General
- Topic: William Sharpe makes a video
- Replies: 6
- Views: 1602
- Sun Sep 05, 2010 5:51 pm
- Forum: Personal Consumer Issues
- Topic: What kind of bicycle to purchase?
- Replies: 131
- Views: 18197
Re: What kind of bicycle to purchase?
My doctor has recommended that I ride a bicycle for daily exercise. I am in my mid sixties, haven't ridden a bike for a number of years, and live in an area that is relatively flat ( and the roads are safe). I went to Target to look at bikes and realized there a number of different types; some moun...