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Re: Risk Questionnaires: How they work?

One way to do it might be to take a large group of investors and survey them. […] Turns out, someone has already done something close to that: […] Well, there you go. Thanks for the link. From the article: While we find that peoples self-assessed risk tolerance and ProQuest RTS generally accord, th...
by livesoft
Tue Mar 31, 2015 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: Risk Questionnaires: How they work?
Replies: 22
Views: 1260

Re: Dumb questions: Where to invest when max out tax-free op

1. I already filed taxes for 2014 in early March. I realized at this time I could contribute to Roth IRA for 2014. So I opened the account and invested now. I believe this is OK since it's post-tax income, right? Correct. No change needed to your tax return. 2. Does this mean my wife and I can open...
by livesoft
Tue Mar 31, 2015 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dumb questions: Where to invest when max out tax-free option
Replies: 2
Views: 157

Re: Quick IRA Question

Back door Roth has no penalties, so you should become familiar with how it works and try it.
by livesoft
Tue Mar 31, 2015 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick IRA Question
Replies: 4
Views: 138

Re: Fidelity 401(k) options vs Spartan indexes.

I'm chuckling about the comparison of the turnover rate. Both numbers are incredibly low, so to write that one of them "is almost 3x" the other is quite amusing. Also the expense ratios are low, too. I would suggest you use other criteria to decide which one to pick. If both would be in yo...
by livesoft
Tue Mar 31, 2015 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401(k) options vs Spartan indexes.
Replies: 4
Views: 479

Re: Looking for Location Leads

Colorado, somewhere between Fort Collins and Denver. Or become MMM's neighbor. :)
by livesoft
Tue Mar 31, 2015 1:22 pm
 
Forum: Personal Consumer Issues
Topic: Looking for Location Leads
Replies: 8
Views: 342

Re: Bonds -stay the course, or....?

On the book? On stay the course? On changing the course? On bonds? lol. Mostly I am interested on the somewhat contradictory message of staying the course vs. making changes to your bond holdings in light of future expected returns. Really I am still a total novice and bonds I understand the least....
by livesoft
Tue Mar 31, 2015 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds -stay the course, or....?
Replies: 6
Views: 440

Re: Bonds -stay the course, or....?

On the book? On stay the course? On changing the course? On bonds?
by livesoft
Tue Mar 31, 2015 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds -stay the course, or....?
Replies: 6
Views: 440

Re: Run Around...Transfer from Thrivent 403B to T Rowe Price

Another possibility AFTER talking to 403(b) provider (not Thrivent) at past employer is to do a 3-way conference call with Thrivent, TRowePrice, and anybody else. It is fun to hear folks eat their words.
by livesoft
Tue Mar 31, 2015 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Run Around...Transfer from Thrivent 403B to T Rowe Price
Replies: 3
Views: 134

Re: ex dividend date

An investor only needs to own the stock for one day (the record date) to be entitled to receive the dividend payment. If the investor buys before the ex-dividend date, and sells on the ex-dividend date or after, the investor will receive the dividend payment. Correct. Also, on ex-dividend day, the ...
by livesoft
Tue Mar 31, 2015 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: ex dividend date
Replies: 7
Views: 463

Re: Bear market warning sign

Thanks for calling it like you see it. :)
by livesoft
Tue Mar 31, 2015 8:08 am
 
Forum: Investing - Theory, News & General
Topic: Bear market warning sign
Replies: 15
Views: 1732

Re: Minimizing income taxes in retirement

^ That's where i-orp can help, but one would have turn tax software, too. The ZERO taxes thread in retirement discusses some of this: http://www.bogleheads.org/forum/viewtopic.php?t=87471 I think the big win is probably that there are no RMDs on Roth IRAs and even so no taxes on withdrawals, so redu...
by livesoft
Tue Mar 31, 2015 8:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Minimizing income taxes in retirement
Replies: 18
Views: 1244

Re: how to make estimated tax payment

I used this last year. It is simply a one-time ACH transfer from your checking account to the IRS. There is no catch and no receipt from the IRS. One has their checking account records and that it is. The date of payment determines when one paid it (Duh!). That is, the date of payment determines whi...
by livesoft
Tue Mar 31, 2015 8:01 am
 
Forum: Personal Finance (Not Investing)
Topic: how to make estimated tax payment
Replies: 3
Views: 228

Re: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Fu

Livesoft - GNMA did not do better though than TBM, at least at the outset. It took until September before GNMA caught back up to and started to surpass TBM. By the end of the year they appear about equal. GNMA red, TBM blue. From your post, for the year 2013 as displayed on your M* graphic: VBMFX: ...
by livesoft
Tue Mar 31, 2015 7:57 am
 
Forum: Investing - Help with Personal Investments
Topic: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Funds
Replies: 17
Views: 2386

Re: Minimizing income taxes in retirement

Move away from Massachusetts to a no-state-income-tax state. Presumably that's what selling house and buying a different one is about. Roth conversions would be in order as already mentioned. This would help with future RMD's, too. Start a donor-advised fund (DAF) and give away those appreciated DRI...
by livesoft
Tue Mar 31, 2015 7:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Minimizing income taxes in retirement
Replies: 18
Views: 1244

Re: Speculation - Vanguard 3 Fund Portfolio Vs Wealthfront w

Unless you sit at your browser clicking refresh during trading hours, you won't be able to do the same. For example, Wealthfront may catch an opportunity to TLH on a 1-5% loss which is very transient (ex: that window of opportunity exists for only a few trading days or hours). That kind of loss is ...
by livesoft
Tue Mar 31, 2015 7:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Speculation - Vanguard 3 Fund Portfolio Vs Wealthfront w/TLH
Replies: 10
Views: 558

Re: Should you reinvest your ETF dividends now?

One should find a financial institution where one does not have to pay fees/commissions to make ETF transactions. I automatically reinvest ETF dividends in some accounts (some IRAs), but not in other accounts (taxable, some IRAs). There are no charges to do so. I suppose it depends on one's own pers...
by livesoft
Tue Mar 31, 2015 7:08 am
 
Forum: Investing - Theory, News & General
Topic: Should you reinvest your ETF dividends now?
Replies: 2
Views: 284

Re: Speculation - Vanguard 3 Fund Portfolio Vs Wealthfront w

If your Vanguard IRA/401(k) was invested in a LifeStrategy or Target Retirement fund, then there would be no interference with Wealthfront. I think it is pretty trivial to arrange things so there would be no interference. As for TLHing, think about about the best case scenario: One TLH per year at t...
by livesoft
Mon Mar 30, 2015 10:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Speculation - Vanguard 3 Fund Portfolio Vs Wealthfront w/TLH
Replies: 10
Views: 558

Re: What would you do now if you were all cash?

My standard advice: Put half of cash to work now in your desired asset allocation (my AA is shown in this thread ) and the rest over the next 10 months at 5% per month except if the market has an RBD, then contribute a month's worth (5%) on that day, too which would be accelerating the 10-month DCA ...
by livesoft
Mon Mar 30, 2015 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: What would you do now if you were all cash?
Replies: 19
Views: 1799

Re: Dip? What Dip? Did you catch it?

How many ways can I spell "No"? :)
by livesoft
Mon Mar 30, 2015 8:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 11657

Re: To TIP or not to TIP?

This is a tough one because you would be selling low. OTOH, you are basically asking us if you should cut your losses and just go with TBM. Tough decision. I don't own TIPS. Would I sell here? Probably.
by livesoft
Mon Mar 30, 2015 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: To TIP or not to TIP?
Replies: 4
Views: 480

Re: Dip? What Dip? Did you catch it?

There is only one more day in the quarter, so I guess you are almost ready for an update to your spreadsheets. I know I will see some dividends show up tomorrow morning and will have to do something with them. Presumably, you will look for opportunities on April 1st.
by livesoft
Mon Mar 30, 2015 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 11657

Re: Total International Vs. Small Cap Intl

1. Stop reading seekingalpha. 2. If you believe in the small-cap premium, then by all means overweight small-caps including small-cap foreign equities. I split my foreign about half total/large and half VSS (small/mid-caps). 3. I think best performance this year has been large-cap developed foreign ...
by livesoft
Mon Mar 30, 2015 7:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total International Vs. Small Cap Intl
Replies: 8
Views: 827

Re: Schwab Intelligent Portfolios [now live]

Rebalanced on 3/11 and 3/27, very nice! :) Was it done with new contributions? Was it done tax-efficiently or is that not applicable?
by livesoft
Mon Mar 30, 2015 6:25 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 280
Views: 21248

Re: Schwab / Vanguard Fund & Allocation Advice

I just wanted to comment on the Aronson and book asset allocations that you read about. There is really nothing wrong with them other than they are dated. Since they were published new products have been introduced and old products have changed. Notably, the Vanguard Total International Stock Index ...
by livesoft
Mon Mar 30, 2015 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Schwab / Vanguard Fund & Allocation Advice
Replies: 16
Views: 1737

Re: Did you learn anything from 2008?

I learned the importance of Mr. Bogle's experienced advice: Stay the Course. (Vanguard's S&P 500 Index Fund is up more than 300% since the bottom of the 2008-2009 market downturn.) Whenever I see it written that stocks are up more than 300%, I look at my own portfolio and ask myself, "Why ...
by livesoft
Mon Mar 30, 2015 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 60
Views: 3323

Re: Dip? What Dip? Did you catch it?

Based on rebalancing bands and following one's asset allocation: http://www.bogleheads.org/forum/viewtop ... 1&t=150267

You know, the whole "stay the course" thing.
by livesoft
Mon Mar 30, 2015 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 11657

Re: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Fu

So intermediate TIPS (i.e. government securities, no risk) really took it on the chin in mid-2013. And the GNMA fund did better than the Total US Bond index fund.
by livesoft
Mon Mar 30, 2015 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Funds
Replies: 17
Views: 2386

Re: Dip? What Dip? Did you catch it?

Maybe it is time to rebalance from equities to bond fund shares?
by livesoft
Mon Mar 30, 2015 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 11657

Re: Sued and won for drycleaner losing suit, suit now found.

Check the local thrift stores in a week. Buy the suit for $5.
by livesoft
Mon Mar 30, 2015 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 7595

Re: Grieving Home Assessment on Long Island (Town of Brookha

It seems to me that your information about how you use your abode and how it is insulated has nothing to do with how it is assessed. I imagine it is assessed by its value which comes down to how much you can sell it for. Is the assessment in line with how much the land is worth, comparable recent sa...
by livesoft
Mon Mar 30, 2015 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Grieving Home Assessment on Long Island (Town of Brookhaven)
Replies: 5
Views: 672

Re: Riddle Me This

Jack Bogle no longer controls what Vanguard recommends. I would not think that when a founder is no longer in control that the firm would continue on with the founder's line of thinking. Also, Mr. Bogle is not infallible. And neither are the folks working for Vanguard. Kahneman's Thinking, Fast &...
by livesoft
Mon Mar 30, 2015 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: Riddle Me This [Vanguard's bond target so far from Bogle's]
Replies: 10
Views: 1607

Re: Retiring June 2015 - Fed Rate Increase

My opinion is that one should have an asset allocation that they can stick with no matter what. No matter what. What is your asset allocation NOW? Is there anything wrong with it?
by livesoft
Mon Mar 30, 2015 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring June 2015 - Fed Rate Increase
Replies: 4
Views: 578

Re: Paying Taxes on Vanguard MISTAKEN Refund

Based on what you wrote, you would have received this money when you sold something in a taxable account. They withheld this amount rather than give it to you when you sold those shares previously. Then they gave you that amount. If those shares sold were held short-term, then the 1099-MISC will not...
by livesoft
Mon Mar 30, 2015 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Paying Taxes on Vanguard MISTAKEN Refund
Replies: 7
Views: 587

Re: Gardening 2015

Yesterday's tree thread made me go out and get the last oranges off the tree. Yummy!
Flowers suggest next year's crop should be good, too.

Image
by livesoft
Mon Mar 30, 2015 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Gardening 2015
Replies: 32
Views: 2400

Re: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Fu

Can you please add VIPSX (intermediate inflation-protected securities) to your 2013 chart? And GNMA if you like, too, please?
by livesoft
Mon Mar 30, 2015 7:54 am
 
Forum: Investing - Help with Personal Investments
Topic: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Funds
Replies: 17
Views: 2386

Re: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Fu

I used to own the Vanguard GNMA fund until about a week ago. In the past few months, it has been acting closer to my short-term bond fund than it has to my intermediate-term bond fund when it comes to daily price movements and performance. It does seem that the average duration of its portfolio has ...
by livesoft
Sun Mar 29, 2015 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Funds
Replies: 17
Views: 2386

Re: Does a Fixed Income 529 Make Sense Even if Overfunded?

staythecourse wrote:This could easily end up being 40+ years of tax free growth. Hard to beat that anywhere else.

Assets that one holds in a taxable account currently get a stepped-up basis (i.e. tax-free growth) when one dies. I doubt I will live 40+ more years.
by livesoft
Sun Mar 29, 2015 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does a Fixed Income 529 Make Sense Even if Overfunded?
Replies: 20
Views: 977

Re: Possible portfolio?

I would not use this portfolio because it is not tax efficient and has lots of duplication.
by livesoft
Sun Mar 29, 2015 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Possible portfolio?
Replies: 4
Views: 448

Re: How to invest in retirement

Sorry, but you are spending your money needlessly on advisory services. You could simply put all your money in a Vanguard LifeStrategy Moderate Growth fund and not look at it any more. Set up automatic withdrawals and sleep easy at night.

And a big Welcome! to the forum.
by livesoft
Sun Mar 29, 2015 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest in retirement
Replies: 13
Views: 1283

Re: Tree in the Yard

3 feet in diameter is HUGE for an ash tree. Did you mean circumference? (There are ash trees more than 20 years old in my neighborhood that are not even close to that big.) It is generally not a good idea to add a lot of soil around the root crown . One can tell if a tree needs water by observing th...
by livesoft
Sun Mar 29, 2015 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Tree in the Yard
Replies: 9
Views: 1216

Re: Just completed my taxes... have some questions.

One pays Social Security and Medicare with Schedule SE. I'm surprised this did not come out straightforward from filling out your tax return if you indeed need to pay these taxes. As mentioned, what was on your past tax returns? Schedule C? Schedule E? Schedules A, B, D, F? Etc? If nothing has chang...
by livesoft
Sun Mar 29, 2015 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just completed my taxes... have some questions.
Replies: 14
Views: 1325

Re: How long do sofas really last

20 years so far. But I must say, many days no one sits on them or even lays down on them. One of the sofas is a hide-a-bed, too. Used for sleepovers when the kids were younger. Adult guests sleep on a real bed in one of the bedrooms. I don't think our sofas were expensive, but they were not Ikea eit...
by livesoft
Sun Mar 29, 2015 2:06 pm
 
Forum: Personal Consumer Issues
Topic: How long do sofas really last
Replies: 40
Views: 3174

Re: When does a 529 plan make sense to me?

I thought if you take 529 money for non education purpose, you can withdraw principle amount without penalty. Penalty is incurred only on the growth component which is taken out at the end. So for emergency you can always look for principle portion of 529s That is true, but unlike a Roth IRA, one c...
by livesoft
Sun Mar 29, 2015 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 8543

Re: Buying a house, not new, what to look for/wish you had

@Cash, your link is completely consistent with the "3 ways out of the neighborhood" point. Our area is filled with pocket parks, schools, and well-located fire stations. So one can have all those things with cul-de-sacs. I walked the dog this morning and we went to 6 different parks along ...
by livesoft
Sun Mar 29, 2015 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house, not new, what to look for/wish you had
Replies: 33
Views: 1910

Re: How do you invest to give back?

I agree with letsgobobby. If one wanted to accumulate in a separate joint taxable account instead of a DAF, then this is easy to do. One could even use a different broker or financial institution for this as there are many that offer no fee, no commissions for passively-managed low-expense ratio ind...
by livesoft
Sun Mar 29, 2015 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: How to invest to give back?
Replies: 30
Views: 1737

Re: Buying a house, not new, what to look for/wish you had

I meant drive out of neighborhood once one has driven out of cul-de-sac. The idea is also not to get easily trapped by a parade, a marathon, a triathlon, or accident at the one and only exit from a neighborhood.
by livesoft
Sun Mar 29, 2015 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house, not new, what to look for/wish you had
Replies: 33
Views: 1910

Re: My Strategy For A Market Crash

EyeYield wrote:That sounds like rebalancing. […]
If there are any comments on my strategy, I welcome them.

Of course it sounds like rebalancing because it is rebalancing. One doesn't need a different strategy for a market crash. One can use the same strategy that one has been using all along.
by livesoft
Sun Mar 29, 2015 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 28
Views: 4334

Re: Buying a house, not new, what to look for/wish you had

A 3000 sq ft home should have 2 HVAC units and 2 water heaters. Thus if one of two fails, then one has time to get it repaired while using the other one. That is, no rush and no costly weekend repair jobs. Redundancy gives one time to find the best value in repair/replacement. And we did the same th...
by livesoft
Sun Mar 29, 2015 11:55 am
 
Forum: Personal Consumer Issues
Topic: Buying a house, not new, what to look for/wish you had
Replies: 33
Views: 1910

Re: Buying a house, not new, what to look for/wish you had

A list from a previous thread …. http://www.bogleheads.org/forum/viewtopic.php?p=818024#p818024 When we started looking to buy, we went to library and checked out the books. It was pretty straightforward. I would not buy a book unless it was in the $1 rack at the used book store. And the idea of &q...
by livesoft
Sun Mar 29, 2015 11:50 am
 
Forum: Personal Consumer Issues
Topic: Buying a house, not new, what to look for/wish you had
Replies: 33
Views: 1910

Re: Overlap between VFSVX and VTIAX

prk wrote:So is I wanted to split between international large and small, I could use VFWAX and VFSVX?

The chart seems to suggest that the two do not overlap. Am I right about that?

Many thanks.

Yes, you are right that VFWAX (large-cap foreign) does not overlap with VFSVX (small-cap foreign).
by livesoft
Sun Mar 29, 2015 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Overlap between VFSVX and VTIAX
Replies: 4
Views: 473
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