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by livesoft
Tue May 26, 2015 6:39 am
Forum: Personal Finance (Not Investing)
Topic: Anyone met with Fidelity Advisor before?
Replies: 6
Views: 226

Re: Anyone met with Fidelity Advisor before?

I have a Fidelity 401(k) and was on our 401(k) committee at work, so I met with the Fido folks who ran the plan occasionally. I never showed them my portfolio though or got advice from them. You can use the opportunity to have them show you how to use the Fidelity software tools: Guided Portfolio Su...
by livesoft
Mon May 25, 2015 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Individual 401k vs SEP IRA if I cannot do the backdoor Roth
Replies: 9
Views: 473

Re: Individual 401k vs SEP IRA if I cannot do the backdoor Roth

I wish to point out that TDAmeritrade also has individual 401(k) plans.
by livesoft
Mon May 25, 2015 8:51 pm
Forum: Personal Consumer Issues
Topic: Best way to re-key locks on new house?
Replies: 17
Views: 1026

Re: Best way to re-key locks on new house?

FWIW, I just took out the lock cores and took them to the local True Value or Ace or whatever it is. They rekeyed them to a new key inexpensively - I don't remember if it was $5 or $10 a lock, but it was a lot cheaper than having a locksmith out. That's way too sensible a thing to do, so it doesn't...
by livesoft
Mon May 25, 2015 7:58 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodeling and Microwave Food
Replies: 18
Views: 756

Re: Kitchen Remodeling and Microwave Food

Oatmeal is a good microwave food. Here's how to cook it: https://www.bogleheads.org/forum/viewtopic.php?p=2242092#p2242092 I eat mostly fresh food, so tonight was a salad which needed no microwaving. Added were salmon and fresh asparagus both of which were cooked. They could've been cooked in a micr...
by livesoft
Mon May 25, 2015 7:24 pm
Forum: Personal Consumer Issues
Topic: Do-it-yourself handy person: How did you learn?
Replies: 18
Views: 1319

Do-it-yourself handy person: How did you learn?

So where did all you do-it-yourself handy women and handy men learn your skills? Was it from watching PBS? Reading books? Youtube? For me, it was my parents. My mom taught me how to sew and use a sewing machine. My dad taught me how to rebuild V-8 engines among other things like small engine repair,...
by livesoft
Mon May 25, 2015 7:05 pm
Forum: Personal Consumer Issues
Topic: Outside a/c fan isn't running (10 yr old system)
Replies: 19
Views: 523

Re: Outside a/c fan isn't running (10 yr old system)

Your thread is OK, but it looks like making the decision to replace the unit before finding out what is wrong is common to both threads. :)

I sure hope you know about electricity if you decide to check those outside fuses. Here is a simple fact: Electricity can kill you.
by livesoft
Mon May 25, 2015 6:55 pm
Forum: Personal Consumer Issues
Topic: Outside a/c fan isn't running (10 yr old system)
Replies: 19
Views: 523

Re: Outside a/c fan isn't running (10 yr old system)

itstoomuch wrote:Just do the outside motor.

Would it make more sense to find out what is wrong before replacing the outside motor?
by livesoft
Mon May 25, 2015 6:51 pm
Forum: Personal Consumer Issues
Topic: Best way to re-key locks on new house?
Replies: 17
Views: 1026

Re: Best way to re-key locks on new house?

If you do not have deadbolts now, then re-keying will not make them appear magically. I don't quite understand what this deadbolt discussion is about because if you have deadbolts now, new deadbolts will very likely fit in the same holes.
by livesoft
Mon May 25, 2015 6:49 pm
Forum: Personal Consumer Issues
Topic: Outside a/c fan isn't running (10 yr old system)
Replies: 19
Views: 523

Re: Outside a/c fan isn't running (10 yr old system)

This is the second "jumping the gun" "my AC is not working" thread in the past few days. Here is the other one:
viewtopic.php?t=165922
by livesoft
Mon May 25, 2015 6:30 pm
Forum: Personal Consumer Issues
Topic: Best way to re-key locks on new house?
Replies: 17
Views: 1026

Re: Best way to re-key locks on new house?

financial.freedom wrote:Great, thanks!

I can probably buy and replace the locks, but drilling/installing a deadbolt on one of the doors is probably beyond my scope.

My doors already had deadbolts, so I used the existing holes. I only replaced the locks/knobs because my old ones were getting ratty, scratched, and dinged.
by livesoft
Mon May 25, 2015 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: A Lesson [in Portfolio Simplicity]
Replies: 8
Views: 1168

Re: A Lesson

I wrote a post about LifeStrategy Moderate Growth here -> https://www.bogleheads.org/forum/viewtopic.php?f=1&t=160958&p=2416471 I use it as a benchmark. I slice-and-dice and tilt to value. I am beating VSMGX by almost 25% so far this year. :) So what do they say, Your Mileage May Vary? Of co...
by livesoft
Mon May 25, 2015 6:20 pm
Forum: Personal Consumer Issues
Topic: Outside a/c fan isn't running (10 yr old system)
Replies: 19
Views: 523

Re: Outside a/c fan isn't running (10 yr old system)

One time our outside unit didn't run because the gas meter reader guy must've tripped over a control wire. Simply putting the wire back got it working. Another time, a roach got in between relay contacts, got fried when they closed and the proteinaceous goo was a great insulator. You know how big ro...
by livesoft
Mon May 25, 2015 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Answer to Most Physician/High Income Job Questions:
Replies: 50
Views: 5137

Re: Answer to Most Physician/High Income Job Questions:

I deduce then it would make it a little easier to then have your DAF with the same firm as your taxable. That is true. For instance, I have Fidelity DAF. I donated shares from a Fidelity brokerage account (with same account holder credentials) to the DAF with a few button clicks. However, I do not ...
by livesoft
Mon May 25, 2015 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing for a 3-fund 80/20 portfolio
Replies: 7
Views: 514

Re: Rebalancing for a 3-fund 80/20 portfolio

So one fund per account to start with for 3 accounts? Sounds good to me. What happens with Roth IRAs?
by livesoft
Mon May 25, 2015 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Answer to Most Physician/High Income Job Questions:
Replies: 50
Views: 5137

Re: Answer to Most Physician/High Income Job Questions:

Gotcha, so you basically sell donate X amount of the appreciated share, and buy the EXACT same share at X amount nearly at same time, since don't have to worry about wash sale rule. Thus from a net standpoint not effecting overall balance of brokerage account. I'm just trying to wrap my head around...
by livesoft
Mon May 25, 2015 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor - seeking guidance and affirmation
Replies: 3
Views: 176

Re: New Investor - seeking guidance and affirmation

On the first question, I think you can answer this yourself with the right tools. Have you tried the Morningstar.com instant X-ray tool? Just plug in your fund tickers (or close proxies) and dollar amounts and take a look: http://portfolio.morningstar.com/Rtport/Free/InstantXRayDEntry.aspx On the se...
by livesoft
Mon May 25, 2015 5:00 pm
Forum: Personal Consumer Issues
Topic: Best way to re-key locks on new house?
Replies: 17
Views: 1026

Re: Best way to re-key locks on new house?

If you are not handy, then get handy because it will help you the rest of your life. :)

I bought 5 locks/doorknobs from Lowe's or HD (can't remember which) and installed them myself.
by livesoft
Mon May 25, 2015 4:57 pm
Forum: Investing - Theory, News & General
Topic: Keep or sell Small Value VSIAX in taxable account?
Replies: 5
Views: 420

Re: Keep or sell Small Value VSIAX in taxable account?

Ha! No worries, there is a lot of conventional wisdom expressed on the forum that is not.
by livesoft
Mon May 25, 2015 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Answer to Most Physician/High Income Job Questions:
Replies: 50
Views: 5137

Re: Answer to Most Physician/High Income Job Questions:

When looking at donor advised fund as part of overall physician financial plan blueprint what is the best way to fund this? My inclination is to contribute directly monthly from cash, but some would say to contribute from winners in a brokerage account. My hesitation with this is that it can take a...
by livesoft
Mon May 25, 2015 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: $4500 reasonable for wills for blended family and some trusts?
Replies: 37
Views: 1559

Re: $4500 reasonable for wills for blended family and some trusts?

Let's just say this: Would you want to use a lawyer who had never seen a similar situation before? Or would you want to use a lawyer who had seen similar situations many times before?
by livesoft
Mon May 25, 2015 4:14 pm
Forum: Investing - Theory, News & General
Topic: Keep or sell Small Value VSIAX in taxable account?
Replies: 5
Views: 420

Re: Keep or sell Small Value VSIAX in taxable account?

VSIAX is rather tax-efficient for someone in the 25% marginal income tax bracket, so I would not sell for tax-efficiency resasons. If your VSIAX ends up with loss and you want to tax-loss harvest and buy in tax-advantaged, then IJS makes a perfectly respectable holding for the asset class, but IJS i...
by livesoft
Mon May 25, 2015 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: $4500 reasonable for wills for blended family and some trusts?
Replies: 37
Views: 1559

Re: $4500 reasonable for wills for blended family and some trusts?

I think the lawyer should have seen this situation many times before and most of the docs will be pretty boiler-plate.
(And funny cartoon, too!)
by livesoft
Mon May 25, 2015 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Answer to Most Physician/High Income Job Questions:
Replies: 50
Views: 5137

Re: Answer to Most Physician/High Income Job Questions:

Here is a great article about SAH spouses: http://www.nytimes.com/2015/05/17/opini ... women.html
Apparently, spouses collect annual bonuses, too.
by livesoft
Mon May 25, 2015 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard automatically convert to Admiral class shares?
Replies: 31
Views: 2655

Re: Will Vanguard automatically convert to Admiral class shares?

Roundoff error could potentially throw a spanner in the works. I guess that is possible, but at last Friday's closing prices for say VGTSX and VTIAX and respective NAVs of $17.14 and $28.67, the split would be 0.59783746076038 shares of VTIAX for every share of VGTSX. The round-off error would be i...
by livesoft
Mon May 25, 2015 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: A different way of calculating when to retire
Replies: 26
Views: 2398

Re: A different way of calculating when to retire

IlliniDave wrote:Interesting idea, especially if "enjoying wealth" is one of the main tenets of person's retirement.

Do folks need to be reminded that "enjoying wealth" is possible without being retired?
by livesoft
Mon May 25, 2015 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard automatically convert to Admiral class shares?
Replies: 31
Views: 2655

Re: Will Vanguard automatically convert to Admiral class shares?

Do all shares, no matter when purchased, have the same ratio as a split stock would? Don't they track differently because of different expense ratios? I only had to convert about six purchases so I kept it simple. Yes, if all shares are converted on the same date no matter when purchased, then all ...
by livesoft
Mon May 25, 2015 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple Accounts Asset Allocation
Replies: 10
Views: 556

Re: Multiple Accouints Asset Allocation

I like the plan for selfish reasons. You can report back here every so often and tell us how Betterment and Wealthfront are doing performance-wise, tax-loss-harvest-wise, 1099-reporting-wise, etc. That would be a great public service. And I see no problem with adjusting fixed income in your 401(k) w...
by livesoft
Mon May 25, 2015 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard automatically convert to Admiral class shares?
Replies: 31
Views: 2655

Re: Will Vanguard automatically convert to Admiral class shares?

Wouldn't one have to find out the share price for Admiral shares on the date each Investor share was purchased? That would be a chore if one reinvested dividends and had scores of purchases. No, I don't think it would be a chore. I would treat it as a stock-split with a new ticker symbol. MS Money ...
by livesoft
Mon May 25, 2015 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: $4500 reasonable for wills for blended family and some trusts?
Replies: 37
Views: 1559

Re: $4500 reasonable for wills for blended family and some trusts?

Livesoft, if he gave you the reference, would you have asked the executor how smoothly the will worked? Yes, I would have no problem talking to relatives, as in, "I'm considering using Mr Lawyer for estate planning purposes. He said your dad was a former client of his, so my condolences, but w...
by livesoft
Mon May 25, 2015 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing for a 3-fund 80/20 portfolio
Replies: 7
Views: 514

Re: Rebalancing for a 3-fund 80/20 portfolio

I think you can have two of the 401(k)s have only one single fund in them. You can pick the fund for each 401(k). Where are the Roth IRAs? Each Roth IRA should have a single fund in it as well. Then use the other 401(k) to set your asset allocation and do all rebalancing only in that one single 401(...
by livesoft
Mon May 25, 2015 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Plan for Asset Allocation changes with age
Replies: 14
Views: 844

Re: Plan for Asset Allocation changes with age

iceport wrote:Okay, thanks. Would you have kept that plan even if you reached your target retirement age while still below 7 figures?

I would not retire with a portfolio below 7 figures no matter what my age.
by livesoft
Mon May 25, 2015 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads plan to utilize Independent Living facilities?
Replies: 45
Views: 1612

Re: Do Bogleheads plan to utilize Independent Living facilities?

I should be a gazillionaire by that age, so $3K a month sounds cheap to me even if inflated with the passing of time. Some of them are almost like land based cruise ships. The reason I asked is judging by the level of expenses many people are saying they expect when they retire I would think $36K/y...
by livesoft
Mon May 25, 2015 11:59 am
Forum: Personal Finance (Not Investing)
Topic: $4500 reasonable for wills for blended family and some trusts?
Replies: 37
Views: 1559

Re: $4500 reasonable for wills for blended family and some trusts?

For something a little less complicated, we paid $600 times 2 = $1200 in Texas. It is also hard to check a lawyer's work. I asked our lawyer if he could provide a reference where his docs were used, that is, a name of heirs of a recently deceased client of his. He said, "No, out of respect for ...
by livesoft
Mon May 25, 2015 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Plan for Asset Allocation changes with age
Replies: 14
Views: 844

Re: Plan for Asset Allocation changes with age

We are not using asset allocation based on age at all. We use AA based on investable assets. So the graph provided by the OP doesn't make sense to me at all since the X-axis is Age and not Investable Assets. :) What's the shape of the curve, if I may ask? After mid-7-figures it is flat at 58% equit...
by livesoft
Mon May 25, 2015 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads plan to utilize Independent Living facilities?
Replies: 45
Views: 1612

Re: Do Bogleheads plan to utilize Independent Living facilities?

My mom moved to such a place in her 80's. She put herself on the waiting list for a nice ground-level apartment and when she got it, she put her house up for sale and moved. It was not too far from her home, so she kept all her friends and made new ones. I think I would do the same thing when I am t...
by livesoft
Mon May 25, 2015 10:55 am
Forum: Investing - Help with Personal Investments
Topic: HPQ Nov 1 Split
Replies: 5
Views: 197

Re: HPQ Nov 1 Split

I suppose if you are into making charitable contributions, you could donate [some of] the shares to charity or your Donor-Advised Fund and get the tax deduction and not pay capital gains taxes.
by livesoft
Mon May 25, 2015 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Plan for Asset Allocation changes with age
Replies: 14
Views: 844

Re: Plan for Asset Allocation changes with age

We are not using asset allocation based on age at all. We use AA based on investable assets. So the graph provided by the OP doesn't make sense to me at all since the X-axis is Age and not Investable Assets. :)
by livesoft
Mon May 25, 2015 10:44 am
Forum: Investing - Help with Personal Investments
Topic: HPQ Nov 1 Split
Replies: 5
Views: 197

Re: HPQ Nov 1 Split

I don't see any advantages. A company splits in order to dump a low-performing division on unsuspecting investors. Sometimes it works; sometimes it doesn't. HP has spun off part of itself before: Agilent (and maybe something else earlier). I'll bet that HPQ will do about the same as the US large-cap...
by livesoft
Mon May 25, 2015 8:16 am
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 7058

Re: please confirm: early retirement

Just FYI, since many people have commented on health insurance...in my market, a silver plan on the ACA web site is right about $10K/year for our family of three. That is without any subsidy. Insurance is only one cost of healthcare. I am sure you have figured out your other healthcare costs of the...
by livesoft
Mon May 25, 2015 7:11 am
Forum: Forum Issues and Administration
Topic: Active Discussions
Replies: 4
Views: 398

Re: Active Discussions

Works for me. Login first, then click on "Quick links" near the upper left, then "Active topics". I get:
Image
by livesoft
Sun May 24, 2015 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation with large holding in single stock
Replies: 31
Views: 1720

Re: Allocation with large holding in single stock

^That comment suggests you haven't read the book. Also, don't blame me for the book title please. If the title had been "Win big with AAPL!", but had the same content, I would have still suggested reading the book.
by livesoft
Sun May 24, 2015 6:47 pm
Forum: Personal Consumer Issues
Topic: How to sell a large statue?
Replies: 23
Views: 1814

Re: How to sell a large statue?

An article at npr.org today related to the thread subject: http://www.npr.org/2015/05/24/408783203 ... d-sothebys
by livesoft
Sun May 24, 2015 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: I'm a mess, how to deploy our money?
Replies: 19
Views: 2622

Re: I'm a mess, how to deploy our money?

You are a mess, but first things first: Either follow the advice of your FA or tell them their services are no longer required.
by livesoft
Sun May 24, 2015 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Need 401K Advice - Best choices of mediocre options
Replies: 5
Views: 295

Re: Need 401K Advice - Best choices of mediocre options

Those index funds are great options and are not mediocre.
by livesoft
Sun May 24, 2015 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: A different way of calculating when to retire
Replies: 26
Views: 2398

Re: A different way of calculating when to retire

When one has enough, I don't think it comes down to 33X or the amount of money you have. Instead, it probably depends on how filled your BS bucket becomes.
by livesoft
Sun May 24, 2015 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation with large holding in single stock
Replies: 31
Views: 1720

Re: Allocation with large holding in single stock

They might enjoy reading "Why Smart People Make Big Money Mistakes" by Gilovich and Belsky. I believe the book starts with something that should grab their attention.
by livesoft
Sun May 24, 2015 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Early Retirement (@50)?
Replies: 12
Views: 1944

Re: Portfolio Review - Early Retirement (@50)?

Here is another current thread with a couple retiring at age 50 that you should wish to read: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=166296 What do you think of the comments in that thread? Your portfolio is well within what might be considered normal or unremarkable for the forum. ...
by livesoft
Sun May 24, 2015 8:23 am
Forum: Personal Consumer Issues
Topic: How to sell a large statue?
Replies: 23
Views: 1814

Re: How to sell a large statue?

It sounds like something that a fraternity would want to buy to use for pranks.
by livesoft
Sun May 24, 2015 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Real cost of a Masters (in the US)
Replies: 35
Views: 2347

Re: Real cost of a Masters (in the US)

Herekittykitty wrote:(By the way - I love all my kids, one of whom we did indeed drop off at a military recruiter's, and he did enlist.)

As an aside, I heard about a kid being dropped off at military recruiters, but he made very sure he would fail the drug test and thus stymied the actions of the parents.

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