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Re: What is your portfolio comparison benchmark?

I used to use Target Retirement funds as my benchmarks (See this post: viewtopic.php?p=1571110#p1571110 ), but since I made my asset allocation 29% US stocks, 29% Int'l stocks, …. I just switched to using those 60/40 funds as my benchmarks.
by livesoft
Fri Jan 30, 2015 11:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is your portfolio comparison benchmark?
Replies: 8
Views: 447

Re: Poll: Do you contribute max to tax-advantaged before 529

I'll throw this out there: I think most people cannot figure out how saving the maximum for their retirement is a good way to pay for college for their kids.
by livesoft
Fri Jan 30, 2015 11:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Do you contribute max to tax-advantaged before 529?
Replies: 25
Views: 1454

Re: Poll: Do you contribute max to tax-advantaged before 529

...and I guess I'm one of the few that put their interests ahead of mine. To each his own. There are many on the forum that put the interests of others ahead of their own. We are paying 100+% of the costs of undergraduate degrees for our children. I would guess that the 60+% of poll respondents who...
by livesoft
Fri Jan 30, 2015 10:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Do you contribute max to tax-advantaged before 529?
Replies: 25
Views: 1454

Re: Excess HSA contribution - do I need new W2?

I made an excess contribution to my HSA in 2014. I did not need to correct my W-2. I did need to withdraw the excess and will need to report that on my tax return. It is pretty easy and explained well in the IRS publication and form about HSAs. TurboTax handles this easily as well. See also: https:/...
by livesoft
Fri Jan 30, 2015 10:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution - do I need new W2?
Replies: 1
Views: 65

Re: Poll: Do you contribute max to tax-advantaged before 529

I did not realize that 529 plans were such an emotional issue for folks. To me money is money, but to other folks it is not. Here is an article by Ron Lieber today in the NYTimes about the emotions: http://www.nytimes.com/2015/01/31/your-money/paying-for-college/the-wouldve-shouldve-and-couldve-of-t...
by livesoft
Fri Jan 30, 2015 9:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Do you contribute max to tax-advantaged before 529?
Replies: 25
Views: 1454

Re: What is your portfolio comparison benchmark?

Benchmark? Why is there a need for a benchmark if using index funds? Paul Because you may be rebalancing or tax-loss harvesting in a weird way. Suppose you have a 60/40 portfolio in separate funds and do your own rebalancing. Then you discover that you are underperforming Vanguard LifeStrategy Mode...
by livesoft
Fri Jan 30, 2015 8:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is your portfolio comparison benchmark?
Replies: 8
Views: 447

Re: One Fund Stox Portfolio? VTI

Cash is part of your fixed income allocation. 3-4 years cash would seem to be 10% to 16% allocation to cash which is significant.
by livesoft
Fri Jan 30, 2015 8:43 pm
 
Forum: Investing - Theory, News & General
Topic: One Fund Stox Portfolio? VTI
Replies: 4
Views: 243

Re: Another "Professional Investment Advisor" portfolio

Post it anonymously in the company lunchroom. See how long it stays up.
by livesoft
Fri Jan 30, 2015 8:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another "Professional Investment Advisor" portfolio
Replies: 2
Views: 212

Re: College education - 529 Portfolio advise

Why "manage" these accounts when the 529 plan provider will manage them for you with either an age-based option or a LifeStrategy option? I would not overfund these accounts either. There are significant tax breaks for the middle class for college education expenses that will not go away i...
by livesoft
Fri Jan 30, 2015 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: College education - 529 Portfolio advise
Replies: 5
Views: 185

Re: Whom do you consider as your friends?

I go on vacation with my friends. Often to faraway places.
by livesoft
Fri Jan 30, 2015 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Whom do you consider as your friends?
Replies: 8
Views: 698

Re: Roth IRA vs 529 vs other for college savings

Money would not be locked into a 529. One can withdraw it at any time and spend it. But if you are going to save for college, it is a superb way to do so. It would be weird to not use a 529 for that purpose given that the money was gifted to the kid(s) for that purpose.
by livesoft
Fri Jan 30, 2015 5:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA vs 529 vs other for college savings
Replies: 9
Views: 457

Tax tail wagging

I thought some of you (but not all of you) would like to see how to save on taxes in your portfolio based on the livesoft method of letting the tax tail wag the dog. First, I earlier asked everybody if I should buy VFIAX or VLCAX in my taxable account in this thread: https://www.bogleheads.org/forum...
by livesoft
Fri Jan 30, 2015 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax tail wagging
Replies: 0
Views: 205

Re: Is now a bad time to buy a mutual fund?

A good time to buy a mutual fund is when it has dropped in price. As of today, things have dropped in price. Now is a better time to buy a mutual fund than last week, so I expect Monday would be a good day, too.
by livesoft
Fri Jan 30, 2015 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is now a bad time to buy a mutual fund?
Replies: 13
Views: 1012

Re: What is your portfolio comparison benchmark?

I listed my benchmarks in this post: https://bogleheads.org/forum/viewtopic.php?p=2315126#p2315126 DGSIX DFA Global Allocation 60/40 a small-cap and value tilted portfolio VSMGX Vanguard LifeStrategy Moderate Growth, a 60/40 total market weights portfolio of index funds with international underweigh...
by livesoft
Fri Jan 30, 2015 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is your portfolio comparison benchmark?
Replies: 8
Views: 447

Re: How to respond when someone asks how much money you make

Here is an article on the subject in the NYTimes recently (Why you should tell your children how much you make):
http://www.nytimes.com/2015/02/01/your- ... -make.html
by livesoft
Fri Jan 30, 2015 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 55
Views: 4040

Re: Large Inheritance for Kids -- Asset Allocation?

I would choose 60/40 and let them use the money for home down payments, vehicles, charitable giving, etc.
by livesoft
Fri Jan 30, 2015 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance for Kids -- Asset Allocation?
Replies: 24
Views: 1106

Re: A Gift - tax consequences

Do you have a spouse? If so, you can give a half and your spouse can give a half. You decide if it's the right and left halves or the front and back halves. No tax consequences and nothing to report for anyone.
by livesoft
Fri Jan 30, 2015 4:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: A Gift - tax consequences
Replies: 13
Views: 547

Re: BIV versis VCSH ?

Best? They have quite a bit different duration. What do you think is the best duration? Once you know the answer to that, then you can choose.
by livesoft
Fri Jan 30, 2015 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: BIV versis VCSH ?
Replies: 7
Views: 244

Re: Disputing A Fraudulent Credit Card Charge

Disputing a credit card charge should be one of those lessons taught in a high school personal finance class. It is so common, that everyone with a credit card for more than 10 years has probably done it a few times.
by livesoft
Fri Jan 30, 2015 2:20 pm
 
Forum: Personal Consumer Issues
Topic: Disputing A Fraudulent Credit Card Charge
Replies: 18
Views: 873

Re: The challenges of staying the course...

Part of the reason it may be difficult for you to figure out what's going on is that you have way too many holdings, many of which are redundant: We don't know if the OP has lots of accounts or not: His 401(k), her 401(k), his Roth, her Roth, his rollover IRA, her rollover IRA, his inherited IRA, h...
by livesoft
Fri Jan 30, 2015 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: The challenges of staying the course...
Replies: 27
Views: 1613

Re: Searching with google while using Safari

I don't have a font problem, so I am unfamiliar with what you are asking about.
by livesoft
Fri Jan 30, 2015 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Searching with google while using Safari
Replies: 31
Views: 1164

Re: Mac reliability?

What has e-mail got to do with Mac reliability? That's like saying "I can't stand a Lexus because my Sirius radio thing doesn't work."
by livesoft
Fri Jan 30, 2015 1:01 pm
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 51
Views: 1769

Re: Searching with google while using Safari

Are you somehow opening 2 windows side by side? Since you guys are good at shortcuts, what substitutes for hitting the back arrow? That whole maneuver is a waste of time and energy. By back arrow, I mean the upper left corner, not the one that also works as a delete button but which used to work li...
by livesoft
Fri Jan 30, 2015 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Searching with google while using Safari
Replies: 31
Views: 1164

Re: Tax: Filing Jointly or Single When one makes 3x More

campy2010 wrote:I would run the two different scenarios in your favorite tax software and make a decision based upon the results.

That's what I would do to. I wouldn't trust what some randomguy on the internet told me. :)
by livesoft
Fri Jan 30, 2015 12:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax: Filing Jointly or Single When one makes 3x More
Replies: 15
Views: 618

Re: The challenges of staying the course...

I don't think the OP is looking for a full-blown portfolio review. With all those DFA funds in the portfolio, it is very likely that they are paying an advisor. It is also possible they are paying for a fixed fee advisor who is not going to hand-hold them through years like 2014. From what they have...
by livesoft
Fri Jan 30, 2015 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: The challenges of staying the course...
Replies: 27
Views: 1613

Re: Mysterious Fees in my 401(k)

Clearly, this is a record keeping fee. Your company negotiated a 401(k) plan with Fidelity which allows them to charge a record keeping fee. Not all Fidelity plans charge a record keeping fee.
by livesoft
Fri Jan 30, 2015 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mysterious Fees in my 401(k)
Replies: 10
Views: 561

Re: HSA not reflected on W2

Once again, it is possible the deductions are not done through payroll, but before payroll. Then it would not appear on a W-2. I think it boils down to whether you paid for it out of your compensation or not. My employer contributed to my HSA all on its own without affecting my compensation. That am...
by livesoft
Fri Jan 30, 2015 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA not reflected on W2
Replies: 16
Views: 703

Re: The challenges of staying the course...

If you take your portfolio and enter it into a Morningstar Portfolio X-ray, what does the 9-box style grid look like and what is the breakdown of US/foreign/fixed again?

I showed such a breakdown in this thread: http://www.bogleheads.org/forum/viewtop ... 1&t=150267
by livesoft
Fri Jan 30, 2015 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: The challenges of staying the course...
Replies: 27
Views: 1613

Re: Disputing A Fraudulent Credit Card Charge

Use a google search "Disputing A Fraudulent Credit Card Charge" and follow the instructions.
by livesoft
Fri Jan 30, 2015 9:28 am
 
Forum: Personal Consumer Issues
Topic: Disputing A Fraudulent Credit Card Charge
Replies: 18
Views: 873

Re: HSA not reflected on W2

We do not have a code W on box 12 on our W2. We were making contributions every paycheck yo HSA and this was being reflected on our paystubs. So should the W2 be corrected? You should definitely ask your payroll folks about it, especially if this is the first year that your employer has offered HDH...
by livesoft
Fri Jan 30, 2015 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA not reflected on W2
Replies: 16
Views: 703

Re: The challenges of staying the course...

I think a drill down will do you some good. I use two benchmarks for my portfolio comparison: DGSIX DFA Global Allocation 60/40 VSMGX Vanguard LifeStrategy Moderate Growth 60/40 These two funds are relatively different in composition in that the former is a small-cap and value tilted fund with highe...
by livesoft
Fri Jan 30, 2015 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: The challenges of staying the course...
Replies: 27
Views: 1613

Re: Vehicles are (apparently) MUCH safer in last few years

I pulled some data by following the links previously posted, …. http://www.npr.org/blogs/thetwo-way/2015/01/29/382495237/car-safety-improves-study-lists-those-with-most-and-least-driver-deaths has summary lists as well. Some Bogleheads won't like a couple of the worst vehicles listed since they hav...
by livesoft
Fri Jan 30, 2015 9:05 am
 
Forum: Personal Consumer Issues
Topic: Vehicles are (apparently) MUCH safer in last few years
Replies: 47
Views: 2734

Re: VTI last 11 years

The reason for the difference is that VTI is different from the S&P500. Also check on reinvested dividends in your numbers.
by livesoft
Fri Jan 30, 2015 8:47 am
 
Forum: Investing - Help with Personal Investments
Topic: VTI last 11 years
Replies: 9
Views: 533

Re: New investor building simple Fidelity portfolio

You keep dancing around the previous questions asked of you. Perhaps you should merge all your threads together?

With total income of $180K, I would be surprised if your Federal income tax rate is more than 25%.
by livesoft
Fri Jan 30, 2015 8:32 am
 
Forum: Investing - Help with Personal Investments
Topic: New investor building simple Fidelity portfolio
Replies: 4
Views: 203

Re: giving money

I took the liberty of using google to ask your question: http://www.irs.gov/Businesses/Small-Bus ... Gift-Taxes
by livesoft
Fri Jan 30, 2015 8:30 am
 
Forum: Investing - Help with Personal Investments
Topic: giving money
Replies: 11
Views: 446

Re: HSA not reflected on W2

HSA information and taxes is found in IRS Pub 969: http://www.irs.gov/pub/irs-pdf/p969.pdf Read that and you will know what to do. Hint: You will have to read the instructions for Form 8889 and look at Form 8889 as well. :) My employer contribution to my HSA is no where on my W-2. Only my withholdin...
by livesoft
Fri Jan 30, 2015 8:23 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA not reflected on W2
Replies: 16
Views: 703

Re: Thoughts on DFA equities?

Your Morningstar link was not for a Vanguard Target Retirement fund, so that clears up my question. Thanks!
by livesoft
Thu Jan 29, 2015 10:35 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on DFA equities?
Replies: 12
Views: 744

Re: How to respond when someone asks how much money you make

I haven't ever been asked, but if I was asked, I would say something like, "You can investigate online what kind of salaries folks like me make."
by livesoft
Thu Jan 29, 2015 10:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 55
Views: 4040

Re: Thoughts on DFA equities?

In recent years, Vanguard target retirement funds have performed better than DFA funds with similar equity:fixed_income ratios. That was not always the case and may change in the future, too. You appeared to state that a Vanguard Target Retirement fund had some DFA funds in it. Can you post a screen...
by livesoft
Thu Jan 29, 2015 10:18 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on DFA equities?
Replies: 12
Views: 744

Re: Wiki comments requested: The importance of asset allocat

I remember when journalists and the lay-media got a hold of the study. The first thing journalists did was drop the word "variability", then their version got repeated over and over in marketing material, so that asset allocation got correlated with performance and not with the standard de...
by livesoft
Thu Jan 29, 2015 10:04 pm
 
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 67
Views: 2009

Re: what to do with 529 if you earn a scholarship?

A new college graduate has lots of expenses to get them started at their job. $20K would help buy a car for instance, put down a deposit on an apartment, get the 70" LED TV, and an upgraded Mac Air, new iPhone, etc. Also it would help them max out Roth IRA and 401(k) contributions even with a s...
by livesoft
Thu Jan 29, 2015 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: what to do with 529 if you earn a scholarship?
Replies: 20
Views: 1599

Re: Trusting and shopping around for doctors

I've seen too many incompetent doctors to trust any of them. Many of my friends and family are physicians, too. I don't trust them either. Same goes for dentists, too. I have not been sick enough to get a second opinion. I have asked my spouse to shop around for orthodontists and by doing so, save q...
by livesoft
Thu Jan 29, 2015 8:49 pm
 
Forum: Personal Consumer Issues
Topic: Trusting and shopping around for doctors
Replies: 23
Views: 1238

Re: Searching with google while using Safari

What do you mean "go to the URL bar"? That's exactly what command-L does. Why take your fingers away from the keyboard to use the mouse or trackpad?
by livesoft
Thu Jan 29, 2015 8:34 pm
 
Forum: Personal Consumer Issues
Topic: Searching with google while using Safari
Replies: 31
Views: 1164

Re: Retirement Savings - Am I stuck?

Investing tax efficiently in a taxable account is a perfectly acceptable way of investing for retirement. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=153625 Taxable accounts invested tax-efficiently have some advantages over tax-deferred (401(k)) and post-tax (Roth). (See fine print at...
by livesoft
Thu Jan 29, 2015 8:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Savings - Am I stuck?
Replies: 6
Views: 1046

Re: Searching with google while using Safari

I must be doing something wrong with Safari 6.1.6 as the URL bar is the same place to do a google search for me. I can type in anything (except a legit URL) and google will conduct a search. OTOH, if the URL is legit, safari just goes there. I made google the default search engine. If I need to go s...
by livesoft
Thu Jan 29, 2015 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Searching with google while using Safari
Replies: 31
Views: 1164

Re: What is your BMI?

Here is a nice discussion of BMI, muscles, and Tour de France participants: http://www.bbc.com/news/magazine-28363129
I'm back down to my Tour de France BMI. :)
by livesoft
Thu Jan 29, 2015 7:40 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What is your BMI?
Replies: 28
Views: 1869

Re: Sold DODGX Bought VOO at VBS today. Did I use leverage?

It was really secured by your shares of DODGX. So maybe 2% loan, .02 / 365 / 24 * 3 = something small. You would have to move $146,000 in order to pay $1 of interest. Your amount of VOO would have had 25 cents of interest owed for the 3 hours at that rate. It would probably cost more to collect the ...
by livesoft
Thu Jan 29, 2015 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sold DODGX Bought VOO at VBS today. Did I use leverage?
Replies: 6
Views: 322

Re: Sold DODGX Bought VOO at VBS today. Did I use leverage?

Yes, you did use borrowed money. :) Do you have plans to do it again and again?

What do you think the interest should be for borrowing that money for a few hours?
by livesoft
Thu Jan 29, 2015 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sold DODGX Bought VOO at VBS today. Did I use leverage?
Replies: 6
Views: 322

Re: AOTC versus 529 plan [American Opportunity Tax Credit]

Thanks for bringing up the room&board expenses are eligible for 529 plan payments, but not AOTC. It has been mentioned many times, but I don't think it was mentioned in this thread explicitly. The $20,000 annual figure I used in the OP includes room and board, books, tuition, fees, travel expens...
by livesoft
Thu Jan 29, 2015 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: AOTC versus 529 plan [American Opportunity Tax Credit]
Replies: 46
Views: 3062

Re: Vanguard "Balances & Holdings" display error

If it is any consolation, Fidelity has a similar problem. At Fidelity the GPS tool can be coaxed to update outside accounts, but the FIdelity accounts show stale values until the overnight computer run. I think they are good for weekends and holidays though, but not for evenings on the days the mark...
by livesoft
Thu Jan 29, 2015 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard "Balances & Holdings" display error
Replies: 8
Views: 395
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