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Re: Am I being too conservative at 65/35?

I am not sure what that means at all since a taxable account invested tax-efficiently throws off about 2% to 2.5% in qualified dividends annually and thus costs practically nothing in terms of taxes. So a $2 million portfolio in taxable (including tax-exempt munis) might cost less than $5,000 in add...
by livesoft
Thu Nov 27, 2014 8:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I being too conservative at 65/35?
Replies: 6
Views: 1034

Re: Am I being too conservative at 65/35?

65/35 is a very fine asset allocation and not too conservative at all.

However, it seems you pay too much in taxes. There might be some ideas in this thread for you to reduce your tax burden: viewtopic.php?t=79510
by livesoft
Thu Nov 27, 2014 7:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I being too conservative at 65/35?
Replies: 6
Views: 1034

Re: Is 50 the new 30 professionally?

Sorry, but the baby boom echo will dash your hopes. The most prevalent age in the US today is 22 years old. NPR is doing a series on millennials. http://www.npr.org/series/352990765/new-boom and the chart here: http://www.npr.org/2014/11/18/354196302/amid-the-stereotypes-some-facts-about-millennials...
by livesoft
Thu Nov 27, 2014 7:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is 50 the new 30 professionally?
Replies: 9
Views: 1235

Jason Zweig / WSJ lists some books

Zweig's WSJ article on books: http://blogs.wsj.com/totalreturn/2014/11/25/best-books-for-investors-a-short-shelf/ Folks can see why I posted this because some of our most-often recommended books made his list. Confirmation bias, anyone? So I feel strongly that the usual article on “best investing bo...
by livesoft
Thu Nov 27, 2014 5:07 pm
 
Forum: Investing - Theory, News & General
Topic: Jason Zweig / WSJ lists some books
Replies: 1
Views: 374

Re: Thinking of becoming a personal fitness trainer

tony5412 wrote:I think providing inspiration/motivation is just as important if not more important than providing instruction....

Yep, look at the threads about fitbit. Perhaps you can sell fitbits for dogs?
by livesoft
Thu Nov 27, 2014 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thinking of becoming a personal fitness trainer
Replies: 8
Views: 618

Re: Opinions Please - REIT's vs. EM

Today oil has dropped significantly in price by about 7%. I predict that something like VWO will have a RBD tomorrow Friday.
by livesoft
Thu Nov 27, 2014 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opinions Please - REIT's vs. EM
Replies: 19
Views: 1279

Re: Livesoft can you explain how u can do this?

Y'all are forgetting income exclusions such as 401(k) contributions, HSA contributions, health insurance premiums, etc. They can and do add up for many families to over $50,000 even before one gets to AGI and after that exemptions and deductions.
by livesoft
Thu Nov 27, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Livesoft can you explain how u can do this?
Replies: 47
Views: 3931

Re: Thinking of becoming a personal fitness trainer

I meet housewives who are personal fitness trainers all the time. They are always marketing their services and handing out their cards. I think they start with friends as clients and basically do not progress from there. Then they try to run classes at the local Y or gym. They seem to get stuck in t...
by livesoft
Thu Nov 27, 2014 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thinking of becoming a personal fitness trainer
Replies: 8
Views: 618

Re: Best 529 Plan

How about this: Describe what an ideal 529 plan is for you and then go look for a 529 plan that meets those criteria. States have figured out many of the features that are "best practices", so many states have great 529 plans nowadays. It is even possible to use the best features from two ...
by livesoft
Thu Nov 27, 2014 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best 529 Plan
Replies: 10
Views: 630

Re: Tax Loss Harvesting Doesn't Seem Like a Great Idea

The past 2 weeks have given many portfolios good returns and my portfolio is no exception. This is why I advocate not moving to a money market when tax-loss harvesting. Essentially, one will tend to TLH after a big drop in the market just before momentum changes to the other direction. That is, I th...
by livesoft
Thu Nov 27, 2014 9:36 am
 
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Doesn't Seem Like a Great Idea
Replies: 53
Views: 4819

Re: Recommendations for online bank?

I love having the ability to deposit a check by taking a picture with your cell phone or computer scanner. That has become quite common nowadays. For instance, https://www.wellsfargo.com/mobile/apps/mobile-deposit/tour/take-photo What do people do with the paper check afterwards? I suppose they shr...
by livesoft
Thu Nov 27, 2014 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Recommendations for online bank?
Replies: 17
Views: 1619

Re: Roth IRA for college savings question

Happy Thanksgiving to you and everyone else as well!

The reasons I listed are also why it is imperative to max out retirement plan contributions before doing any 529 contributing, too.
by livesoft
Thu Nov 27, 2014 8:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA for college savings question
Replies: 9
Views: 513

Re: Roth IRA for college savings question

I did not write that it won't be needed. I wrote that it will not be used. The reality is that folks who can max out their retirement plan contributions (401(k), 403(b), IRAs) for years before college expenses are good savers and can switch at the college years to simply cash flowing college expense...
by livesoft
Thu Nov 27, 2014 8:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA for college savings question
Replies: 9
Views: 513

Re: Livesoft can you explain how u can do this?

Since this thread is getting some eyeballs, I think it is appropriate to also put this link in it: New article today [11/2014] from Michael Kitces about this whole 0% tax rate thing. He has explained a lot of things in his article, so I link the article to extend the discussion: https://www.kitces.c...
by livesoft
Thu Nov 27, 2014 7:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Livesoft can you explain how u can do this?
Replies: 47
Views: 3931

Re: Opinions Please - REIT's vs. EM

I suggest that one neither oveweight nor underweight EM. I think the value of EM is driven somewhat by the price of oil and exchange rates, so EM may not recover any time soon. Vanguard's definition of EM has EM at about 22% of foreign equities. As for REITs vs EM, I think the decision should be REI...
by livesoft
Thu Nov 27, 2014 7:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Opinions Please - REIT's vs. EM
Replies: 19
Views: 1279

Re: Private college counselor

There are other places to get some help besides parents, school counselors, and private counselors. Namely, books, the internet, peers, and newspapers although these all meld together. I would like to point out the NYTimes has a discontinuted blog on college admission called The Choice which is a gr...
by livesoft
Thu Nov 27, 2014 6:42 am
 
Forum: Personal Consumer Issues
Topic: Private college counselor
Replies: 42
Views: 1745

Re: Variable asset allocation

Nothing wrong with a 60/40 asset allocation. If that's how you feel*, then you might as well do it.

*It matches your need, ability, and willingness for risk is a good definition of "feel".
by livesoft
Thu Nov 27, 2014 6:28 am
 
Forum: Investing - Theory, News & General
Topic: Variable asset allocation
Replies: 3
Views: 371

Re: IRS CP14: Dishonored Payment Penalty?

Interesting that you are always +- about a dollar. Next time, why not overpay by $30 and have the overpayment applied to next year's taxes? That way, if the software makes a rounding error (like TurboTax did on my return), then they just reduce the $30 to $29 and apply $29 to next year's taxes. That...
by livesoft
Wed Nov 26, 2014 10:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS CP14: Dishonored Payment Penalty?
Replies: 6
Views: 696

Re: Honor Societies (any point?)

I'd pay $65 to join Phi Betta Kappa, but not anything else.
by livesoft
Wed Nov 26, 2014 10:29 pm
 
Forum: Personal Consumer Issues
Topic: Honor Societies (any point?)
Replies: 32
Views: 1480

Re: Roth IRA for college savings question

I would definiteiy do the Roth over the 529 plan. Your spouse should do one, too. It will be much more flexible than a 529 plan anyways. If you need to call it a college plan instead of a retirement plan, go ahead and use that mental crutch. I think you will not use it for college in 16 years myself.
by livesoft
Wed Nov 26, 2014 10:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA for college savings question
Replies: 9
Views: 513

Re: When do you feel comfortable financially to have kids?

We had our kids in our late thirties. While finances had little to do with timing, I can say that having your kids about a year or two after your friends and family start having kids gives you a steady supply of clothing, toys, books, bedding, and stuff that you will not have to buy. Basically, the ...
by livesoft
Wed Nov 26, 2014 10:23 pm
 
Forum: Personal Consumer Issues
Topic: When do you feel comfortable financially to have kids?
Replies: 36
Views: 1815

Re: Considering adding corporate bonds to portolio mix

I do not own the funds you mentioned, but I do own the short-term corporate bond index fund in the two share classes VCSH and VSCSX. One has to realize that there is non-minor difference in the share classes when it come to monthly dividends and how they are reinvested. The mutual fund (VSCSX) pays ...
by livesoft
Wed Nov 26, 2014 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering adding corporate bonds to portolio mix
Replies: 2
Views: 414

Re: How to pay ZERO taxes in retirement with 6-figure expens

New article today from Michael Kitces about this whole 0% tax rate thing. He has explained a lot of things in his article, so I link the article to extend the discussion: https://www.kitces.com/blog/understanding-the-mechanics-of-the-0-long-term-capital-gains-tax-rate-how-to-harvest-capital-gains-fo...
by livesoft
Wed Nov 26, 2014 8:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to pay ZERO taxes in retirement with 6-figure expenses
Replies: 163
Views: 49329

Re: AGG vs BND

Why bother with either when you probable have access to FSITX? Or do you not have access?

I'd go with BND because I'm guessing it has a lower expense ratio, but I did not look it up.
by livesoft
Wed Nov 26, 2014 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: AGG vs BND [iShares Core US vs. Vanguard Total Mkt]
Replies: 3
Views: 381

Re: Clash of the Titans: Traditional or Roth?

If tax rates increase, you will get a warning, so that you can disband the traditional 401(k), rollover the money to traditional IRA and convert to a Roth IRA before the tax rates go up. Also, as time goes on, inflation takes its toll and the standard deduction and exemptions creep upwards shelterin...
by livesoft
Wed Nov 26, 2014 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Clash of the Titans: Traditional or Roth?
Replies: 12
Views: 948

Re: Private college counselor

May I know what you all think other top non ivy schools are for non engineering students. Would like to avoid large schools Thanks for asking since then I feel comfortable expressing my opinion. I would not and did not pay for non-top 20 private elite university. Might as well go to state flagship ...
by livesoft
Wed Nov 26, 2014 6:38 pm
 
Forum: Personal Consumer Issues
Topic: Private college counselor
Replies: 42
Views: 1745

Re: Private college counselor

TomatoTomahto wrote:I disagree with the Chinese menu 1 from column A, two from column B approach.

Thanks for the chuckle because you went on to describe one from column A and four from column B. My take-away is that you do not think 2 is enough. :)
by livesoft
Wed Nov 26, 2014 5:19 pm
 
Forum: Personal Consumer Issues
Topic: Private college counselor
Replies: 42
Views: 1745

Re: best performer

What performed even better than VTCLX? Maybe you want that instead?

Once expense ratios are below about 0.2%, they don't matter as much as the actual day and price that you make your purchase(s).
by livesoft
Wed Nov 26, 2014 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: best performer - very similar index funds
Replies: 16
Views: 1126

Re: 401k self directed brokerage option

We've seen a lot of variations of SDBA on the forum including limiting the fraction of one's 401(k) assets that can be diverted to it and I think "only mutual fund purchases allowed" and lots of other things like that. So basically, you will have to get involved in the committee that decid...
by livesoft
Wed Nov 26, 2014 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k self directed brokerage option
Replies: 5
Views: 252

Re: POLL: Attitude Towards Risk

That was really meant to be $240 and not $250?
by livesoft
Wed Nov 26, 2014 3:10 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Attitude Towards Risk
Replies: 53
Views: 1854

Re: Livesoft can you explain how u can do this?

Thanks to retiredjg for providing links to frogmaster so that I do not have to.
by livesoft
Wed Nov 26, 2014 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Livesoft can you explain how u can do this?
Replies: 47
Views: 3931

Re: Private college counselor

I have to learn a bit more what the top schools are looking for both Ivy and other top ones. Appreciate any suggestions. Here's is what I think they are looking for: Great academics is a given, but also at least two other outstanding attributes such as athletics, music/drama, or working. This tells...
by livesoft
Wed Nov 26, 2014 1:22 pm
 
Forum: Personal Consumer Issues
Topic: Private college counselor
Replies: 42
Views: 1745

Re: Roth versus Traditional Debate

I am going to convert my traditional IRA that I have not paid any taxes on the contribution into a Roth IRA and not pay any taxes on the conversion. No taxes paid on going in; no taxes owed on coming out. But let's change your scenario a bit: One can consider the taxes paid on contributions to be th...
by livesoft
Wed Nov 26, 2014 12:43 pm
 
Forum: Investing - Theory, News & General
Topic: Roth versus Traditional Debate
Replies: 17
Views: 1063

Re: Private college counselor

I see this from a couple of angles. First, both my kids are in college now and went to great public high school schools that had several graduates getting into HYPMS. Second, I have written many letters of recommendation for high school students for their college apps and for their jobs afterwards. ...
by livesoft
Wed Nov 26, 2014 12:30 pm
 
Forum: Personal Consumer Issues
Topic: Private college counselor
Replies: 42
Views: 1745

Re: Private college counselor

How many students from that class of 450 go to Ivies? If 90% of them go, then your school counselors are doing a better job than a private college counselor would. :)
by livesoft
Wed Nov 26, 2014 10:18 am
 
Forum: Personal Consumer Issues
Topic: Private college counselor
Replies: 42
Views: 1745

Re: Rising Interest Rates And Bond Funds?

Interest rates went up in June 2013. One can chart at Morningstar.com exactly what happend to bond funds in the time frame from March 2013 to December 2013. It is so obvious what happened that even my grandmother could have observed what happened if she were still alive.
by livesoft
Wed Nov 26, 2014 10:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Rising Interest Rates And Bond Funds?
Replies: 9
Views: 1034

Re: Transitioning from individual stock portfolio to index f

A $5 million taxable portfolio of equities will pay about $100K to $150K a year in dividends, so it is unlikely that these folks will be in the 0% LTCG tax bracket. The OP did not state that they wish to leave their manager which would color my response a little bit. First, if I had a taxable portfo...
by livesoft
Wed Nov 26, 2014 9:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Transitioning from individual stock portfolio to index funds
Replies: 13
Views: 1195

Re: Commodity Index Fund(s)

Here is the Eric Haas, altruistfa link: http://www.altruistfa.com/commodityfunds.htm which folks should have already read. The Fidelity Freedom Index funds seem to have FCSFX Fidelity® Series Commodity Strategy Fund - Class F in them. Closed to new investors. I'll guess it was probably never was ope...
by livesoft
Wed Nov 26, 2014 8:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Commodity Index Fund(s)
Replies: 7
Views: 663

Re: Where to invest end of year bonus

The market spends most of its time at record highs since it supposedly marches higher more or less all the time. If it didn't march higher more or less all the time, then nobody would ever invest in the market. It's a bonus. Go buy another car, boat, motorcycle, watch, bicycle, necklace, or somethin...
by livesoft
Wed Nov 26, 2014 7:21 am
 
Forum: Investing - Theory, News & General
Topic: Where to invest end of year bonus
Replies: 16
Views: 1372

Re: Help: Three Fund Portfolio at Fidelity

I agree there is a bigger difference in the VG and Fido total int'l index funds than in the Fido and VG Total US index funds. Nevertheless, they are still nearly identical.
by livesoft
Wed Nov 26, 2014 7:12 am
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 36
Views: 3018

Re: Foreign Tax Credit: Worth it?

And this new thread on qualified dividend income shows how the decision inputs can be affected year-to-year and change the answer:
viewtopic.php?f=10&t=151667&newpost=2272442
by livesoft
Wed Nov 26, 2014 6:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Foreign Tax Credit: Worth it?
Replies: 2
Views: 573

Re: Random life events

1987 stock market crash
2000-2002 stock market drop
2008-2009 stock market drop

They were random, right?
by livesoft
Wed Nov 26, 2014 5:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Random life events
Replies: 34
Views: 2849

Re: Help: Three Fund Portfolio at Fidelity

My opinion is that you are just splitting hairs when writing about the differences between the Total US index funds. And that opinion extends to the minor differences between the Total Int'l index funds, too. I own both in separate retirement accounts. The Vanguard Total Int'l fund really doesn't ha...
by livesoft
Wed Nov 26, 2014 5:47 am
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 36
Views: 3018

Re: Vanguard TISM estimates low QDI?

It is also noteworthy that the Total US Stock Market Index fund and the S&P500 index fund are listed at 100% qualified so far this year, but the Extended Market index fund is somewhat lower. So the issue is not restricted to just international funds. But the fine print states that these estimate...
by livesoft
Wed Nov 26, 2014 5:39 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard TISM estimates low QDI?
Replies: 4
Views: 728

Re: How to find refundable airfare or open ticket ?

If you call up United and get a real person to help make your reservation, there is an extra fee for that which they will not tell you about on the phone.
by livesoft
Tue Nov 25, 2014 9:47 pm
 
Forum: Personal Consumer Issues
Topic: How to find refundable airfare or open ticket ?
Replies: 15
Views: 828

Re: How to find refundable airfare or open ticket ?

I recall when making a recent reservation online that I was prompted with something like "Make this ticket refundable, add $150" or something like that.
by livesoft
Tue Nov 25, 2014 9:33 pm
 
Forum: Personal Consumer Issues
Topic: How to find refundable airfare or open ticket ?
Replies: 15
Views: 828

Re: Should I add Microcaps to my portfolio?

No, you should not add microcaps to the detriment of your portfolio.
by livesoft
Tue Nov 25, 2014 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I add Microcaps to my portfolio?
Replies: 8
Views: 808

Re: Foreign Tax Credit: Worth it?

How about showing us the math? http://www.bogleheads.org/forum/viewtopic.php?f=10&t=111647 http://www.bogleheads.org/forum/viewtopic.php?f=1&t=129164 http://www.bogleheads.org/forum/viewtopic.php?f=10&t=123834 Without knowing your numbers, I will guess that some years VXUS in taxable wil...
by livesoft
Tue Nov 25, 2014 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Foreign Tax Credit: Worth it?
Replies: 2
Views: 573

Re: How should wife counter salary offer within current co.?

Hmmm, it now seems like OP's spouse was going to negotiate even without any help from the peanut gallery. In any event, I learned some things from this thread, so thanks for starting it. :)
by livesoft
Tue Nov 25, 2014 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 60
Views: 5417

Re: Crazy question about Roth IRA transfers

Yes, it is possible. Person B has to name Person A as the beneficiary of their Roth IRA. Then Person B has to kill themself. OK, they don't have to commit suicide, but they have to die.
by livesoft
Tue Nov 25, 2014 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Crazy question about Roth IRA transfers
Replies: 8
Views: 589
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