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Re: Is now a good time to buy bonds?

One should not worry about losing money in bond funds. One should just simply accept that losing money temporarily is an expected outcome of investing. If you need bond fund shares to fulfill your asset allocation, then now is a good time to buy them. One can reduce risk by reducing duration, but th...
by livesoft
Tue Sep 02, 2014 9:55 pm
 
Forum: Investing - Theory, News & General
Topic: Is now a good time to buy bonds?
Replies: 3
Views: 162

Re: Take slightly better job if you had to wait 1 year for 4

Negotiate a better signing bonus because of the delayed entry into a 401(k).
by livesoft
Tue Sep 02, 2014 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Take slightly better job if you had to wait 1 year for 401k?
Replies: 12
Views: 285

Re: Maximum deductions for working 3 months?

401(k) limit would be $23,000 if they reached age 50 by year-end even if they were age 49 during the first 3 months of the year. My plan and my spouse's plan allow 75%/90% of compensation to go into the plan, so one could reach $23,000 with a decent salary. The HSA limit is tricky because it would d...
by livesoft
Tue Sep 02, 2014 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Maximum deferrals for working 3 months?
Replies: 4
Views: 176

Re: Is a college degree really worth what it costs?

1. Most parents do not pay that $200,000+ for a college degree. There just aren't enough seats at those prices. 2. How about paying $100,000 for a degree and giving the kid another $100,000 to start investing? :twisted: 3. Better yet, you keep the $100,000 and invest it. Then just make sure your kid...
by livesoft
Tue Sep 02, 2014 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is a college degree really worth what it costs?
Replies: 33
Views: 1512

Re: How to become a millionaire retiree -- then and now

Browser wrote:So Amigos - forego that Bimmer, the trips to Las Vegas, and the 5-bdrm 4 bath McMansion and buy more stocks while you are still young and dumb!

Those are all easy to buy after you are old and smart.
by livesoft
Tue Sep 02, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 62
Views: 7248

Re: Eliminate small MF lots?

If one is able to type in a new post to the Bogleheads forum, then one can easily deal with small MF lots when it comes time to sell or TLH or whatever. It really is not hard nor something to worry about. Clearly, the OP has already been able to calculate the tax costs of doing this, so that also me...
by livesoft
Tue Sep 02, 2014 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Eliminate small MF lots?
Replies: 15
Views: 905

Re: International in Taxable - Advantage?

Not much at all with info from 2013. It will also depend on your marginal income tax bracket.

Here's a post on that:

viewtopic.php?f=1&t=129164
by livesoft
Mon Sep 01, 2014 10:10 pm
 
Forum: Investing - Theory, News & General
Topic: International in Taxable - Advantage?
Replies: 5
Views: 476

Re: Do I need to see my credit report?

In my opinion, you don't need to do anything. BTW, your score is higher than my score and my spouse's score.
by livesoft
Mon Sep 01, 2014 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need to see my credit report?
Replies: 34
Views: 1280

Re: How do you invest in 401k?

That's an easy question to answer: (1) My 401(k) does not have a Total US Stock Market Index fund among the available options and … (2) I like to overweight small/mid caps, so splitting like this allows me to have more of the small/mid caps than a total market fund would have. I just have to buy mor...
by livesoft
Mon Sep 01, 2014 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you invest in 401k?
Replies: 8
Views: 535

Re: How do you invest in 401k?

I can tell you exactly how I invest in my 401(k). After I show you, I hope you can see that it doesn't matter if a fund doesn't do well and that I do not have to wait for anything to regrow. But that's the same with all investing accounts. In my 401(k) I invest in the following 4 funds: 1. Total US ...
by livesoft
Mon Sep 01, 2014 7:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you invest in 401k?
Replies: 8
Views: 535

Re: Investing Windfall to be Transferred to Roth IRA over 10

Just invest in what the money would be invested in in the Roth
by livesoft
Mon Sep 01, 2014 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing Windfall to be Transferred to Roth IRA over 10 yrs
Replies: 8
Views: 428

Re: Brokerage account for kids. Fidelity or TDAmeritrade

My daughter opened her Fidelity account with less than $500.
by livesoft
Mon Sep 01, 2014 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brokerage account for kids. Fidelity or TDAmeritrade
Replies: 19
Views: 1004

Re: sell a 7 year old car or keep it?

I have a 2001 Lexus that is still going strong. 7 years sounds very young to me.
by livesoft
Mon Sep 01, 2014 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: sell a 7 year old car or keep it?
Replies: 16
Views: 1418

Re: Best tax return software for freelancer?

You know there are really not that many federal income tax software products. I say try out TurboTax Deluxe and you are ready to go. However, none of these programs are magic. They are simply "answer the questions and fill in the blanks". I used TT deluxe last month for my 2013 return. I h...
by livesoft
Mon Sep 01, 2014 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best tax return software for freelancer?
Replies: 5
Views: 401

Re: struggling to understand "bond crash"

I think we need to cue a nisiprius bond crash chart here. Let me see if I can find one …. Wow, there are so many many threads on this going back to the start of the forum. Apparently, bonds threatening to crash is a perpetual problem even when they are going up. Here's a thread http://www.bogleheads...
by livesoft
Mon Sep 01, 2014 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: struggling to understand "bond crash"
Replies: 11
Views: 1457

Re: Asset Placement Question

Probably not worth the capital gain taxes, but you could start a new position in VTIAX/VGTSX in taxable going forward and a new position in VTIAX/VTSMX in the Roth. Then you could do rebalancing between US and foreign in the Roth without tax consequences or you could do rebalancing in taxable by whe...
by livesoft
Mon Sep 01, 2014 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Placement Question
Replies: 4
Views: 252

Re: Coverdell ESA for tutoring costs

The529guy wrote:I- Presumably no automatic dividend reinvestment

It should be no problem whatsoever to set up free automatic dividend reinvestment of ETF dividends. For instance, I have that set up at TDAmeritrade for one account.
by livesoft
Mon Sep 01, 2014 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Coverdell ESA for tutoring costs
Replies: 6
Views: 294

Re: DIY Index Fund

When I owned a number of stocks, I did not automatically reinvest dividends. Those dividends were always appearing and it takes some effort and will to get them reinvested. They might sit as cash in one's account for a week or month and that cash is a big drag on performance. I think, but cannot pr...
by livesoft
Mon Sep 01, 2014 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: DIY Index Fund
Replies: 15
Views: 1085

Re: DIY Index Fund

A number of threads on this idea including very recent ones, but they are hard to find. When I owned a number of stocks, I did not automatically reinvest dividends. Those dividends were always appearing and it takes some effort and will to get them reinvested. They might sit as cash in one's account...
by livesoft
Mon Sep 01, 2014 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: DIY Index Fund
Replies: 15
Views: 1085

Re: No advantage of Slice and Dice vs 3Fund?

Maybe call it "non-performance regret" or "keeping-up-with-the-Joneses regret"?
by livesoft
Mon Sep 01, 2014 11:35 am
 
Forum: Investing - Theory, News & General
Topic: No advantage of Slice and Dice vs 3Fund?
Replies: 42
Views: 2682

Re: Brokerage account for kids. Fidelity or TDAmeritrade

I have experience with both Fidelity and TDAmeritrade. When my daughter was in high school I had her open a Roth IRA at Fidelity with a small amount of her earnings under any Vanguard minimums. They have a local office. I had her purchase ETFs for no commission until her account grew large enough to...
by livesoft
Mon Sep 01, 2014 11:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Brokerage account for kids. Fidelity or TDAmeritrade
Replies: 19
Views: 1004

Re: How to become a millionaire retiree -- then and now

Let me try this "out" for the BS: What about total compensation? I know that the job I started in 1986 paid an additional 15% of salary into a 403(b) without me contributing anything. Also, we have learned that oil companies were big on contributing to 401(k)s. So did any of you starting e...
by livesoft
Sun Aug 31, 2014 11:14 pm
 
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 62
Views: 7248

Re: How to become a millionaire retiree -- then and now

I don't mean to "pile on" the debunking of livesoft's estimate of 1978 engineering salaries, but I would like to add another data point to the anecdotal replies. In 1984 when I graduated from a well-regarded engineering program with my BSEE, typical offers my friends & I were getting ...
by livesoft
Sun Aug 31, 2014 11:03 pm
 
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 62
Views: 7248

Re: Paper or plastic?

In the '70s we would put contaminated hospital bed linens directly into polyvinyl alcohol plastic bags. PVA is a plastic that dissolves in water, so these bags could be washed without being opened and the unwashed bedsheets would not be touched by the laundry staff. PVA is now used in the plastic fo...
by livesoft
Sun Aug 31, 2014 10:42 pm
 
Forum: Personal Consumer Issues
Topic: Paper or plastic?
Replies: 63
Views: 2484

Re: How to become a millionaire retiree -- then and now

Funny to watch you "wise" ones banter about starting pay... I went to a birthday party for a mentor of mine. It was fun to learn what my science professors were making while I was a student. They all made less than the engineering graduates, except it turned out that one had negotiated fo...
by livesoft
Sun Aug 31, 2014 10:37 pm
 
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 62
Views: 7248

Re: Paper or plastic?

Honest question. For those of you who don't ever get plastic bags at the grocery store, what do you use to line your trash cans? I have a small one in the kitchen for non recyclables and another in the bathroom. I'll admit that eventually we end up with more grocery bags than trash, so we could use...
by livesoft
Sun Aug 31, 2014 10:32 pm
 
Forum: Personal Consumer Issues
Topic: Paper or plastic?
Replies: 63
Views: 2484

Re: How to become a millionaire retiree -- then and now

OK, I accept the BS call, but reluctantly. I will have to get SS statement of annual earnings from my spouse to confirm her recollection of her starting salary. I don't think I have tax returns back that far. I turned down a job offer for $40,000 in 1986, so I hope folks caught up to that by then. D...
by livesoft
Sun Aug 31, 2014 10:16 pm
 
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 62
Views: 7248

Re: Paper or plastic?

Doesn't everybody use re-useable cloth bags nowadays. These bags are given away by just about everybody with school, corporate, or charity logos on them. Sometimes called a goodie bag or swag bag, you just collect them and leave them in your car for grocery shopping.
by livesoft
Sun Aug 31, 2014 9:50 pm
 
Forum: Personal Consumer Issues
Topic: Paper or plastic?
Replies: 63
Views: 2484

Re: No advantage of Slice and Dice vs 3Fund?

Gambler wrote:
and even if it's 65% total market/35% Barclays Aggregate bond index, then where does 3% active come from?? :confused

It's pretty clear to me that the fund managers rebalance (buy equities) on RBDs when everyone else is too afraid to do so or perhaps not paying attention.
by livesoft
Sun Aug 31, 2014 9:10 pm
 
Forum: Investing - Theory, News & General
Topic: No advantage of Slice and Dice vs 3Fund?
Replies: 42
Views: 2682

Re: HSA pre-tax contribution rules

You can withdraw excess contributions without penalty by the due date of your return; any associated earnings will be taxed. True, but the HSA people may charge a processing fee. For instance HSA Bank charges $25 for this service. But an excess returned to you goes on Line 21 of Form 1040. Astute t...
by livesoft
Sun Aug 31, 2014 9:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA pre-tax contribution rules
Replies: 18
Views: 1108

Re: How to become a millionaire retiree -- then and now

Now I am embarassed by my great starting salary and that of my spouse.
by livesoft
Sun Aug 31, 2014 7:56 pm
 
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 62
Views: 7248

Re: How to become a millionaire retiree -- then and now

I found this: http://www.postsecondary.org/last12/401095Salary.pdf The results show the usual pattern. Between 1951 and 1969, average starting salaries for engineers increased by 118 percent, from $19,100 to $41,500. After 1969 the decline in real salaries was less than in the business fields. In th...
by livesoft
Sun Aug 31, 2014 7:14 pm
 
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 62
Views: 7248

Re: How to become a millionaire retiree -- then and now

Those mean salaries seem rather low to me, so probably include minimum wage and lower workers. Minimum wage was about $1.80 in 1976. So 50 weeks times 40 hours times $1.80 per hour = $3600 a year at minimum wage in 1976, Fresh out of college engineers in 1978 - 1979 made about $30,000 a year with C...
by livesoft
Sun Aug 31, 2014 7:07 pm
 
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 62
Views: 7248

Re: No advantage of Slice and Dice vs 3Fund?

Furthermore, not explicitly stated in this thread is that one has to rebalance among these asset classes. That means that buying small-cap-value 20 years ago and doing nothing since is not the way it happens. The tracking error regret that Mr Ferri mentioned is real. Can you rebalance into SCV after...
by livesoft
Sun Aug 31, 2014 7:04 pm
 
Forum: Investing - Theory, News & General
Topic: No advantage of Slice and Dice vs 3Fund?
Replies: 42
Views: 2682

Re: Why invest in bonds?

sdsailing wrote:I say go for it !!!!!

Me too! Go for it!

But read this thread first: viewtopic.php?f=10&t=145626
by livesoft
Sun Aug 31, 2014 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 103
Views: 5618

Re: The Power of Zero: [Book and tax planning for retirement

If you sell some shares of an equity fund in your taxable account with a long-term capital gain, you get 2 kinds of money: (1) return of capital that is tax-free and (2) long-term capital gains which is taxed at 0% in low tax-brackets. Furthermore, if you have built up carryover net losses over the ...
by livesoft
Sun Aug 31, 2014 4:45 pm
 
Forum: Investing - Theory, News & General
Topic: The Power of Zero: [Book and tax planning for retirement]
Replies: 51
Views: 4641

Re: No advantage of Slice and Dice vs 3Fund?

So, starting to read some things on the Labor Day weekend? Excellent! Have you read the Trev H thread on the simplified slice-and-dice portfolio? It has only a few more funds than 3-funds. OK, 2 more funds. The investing landscape has changed a little bit since 5 years ago when the thread was starte...
by livesoft
Sun Aug 31, 2014 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: No advantage of Slice and Dice vs 3Fund?
Replies: 42
Views: 2682

Re: Portfolio Review 29 y/o- Need advice leaving Edward Jone

The WSJ has a couple of article from 2 days ago on how to fire your adviser: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=145841 Your friend has clients firing him all the time. He is used to it, knows he is bad, and doesn't need any facts. But if you like, tell him it is for his own good...
by livesoft
Sun Aug 31, 2014 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review 29 y/o- Need advice leaving Edward Jones
Replies: 4
Views: 427

Re: Advisor says managed retirement plan, I'm not so sure.

If you mean you are restricted to a BlackRock LifePath 2045 fund of index funds, then that's perfect and the best way to run your 401(k) for now. Your Roth IRA is not in index funds, so it would be better to be in index funds such as the Fidelity Spartan index funds. Perhaps FFNOX is suitable as wel...
by livesoft
Sun Aug 31, 2014 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advisor says managed retirement plan, I'm not so sure.
Replies: 13
Views: 1199

Re: Slice & Dice vs. 3 Fund portfolio: Does size matter?

Portfolios evolve over time. If one started out with a 3-fund portfolio and wanted to overweight some asset classes, then one could start by buying a small amount of that asset class. This would be natural if one was doing periodic investing from their paycheck. That small amount could be well under...
by livesoft
Sun Aug 31, 2014 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: Slice & Dice vs. 3 Fund portfolio: Does size matter?
Replies: 3
Views: 401

Re: How to become a millionaire retiree -- then and now

Those mean salaries seem rather low to me, so probably include minimum wage and lower workers. Minimum wage was about $1.80 in 1976. So 50 weeks times 40 hours times $1.80 per hour = $3600 a year at minimum wage in 1976, Fresh out of college engineers in 1978 - 1979 made about $30,000 a year with Ch...
by livesoft
Sun Aug 31, 2014 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 62
Views: 7248

Re: refinance to max out Fidelity 403(b)?

In my head, this looks terrible to me. You pay a 1% origination fee to buy down your mortgage from 3.25% to 3.00% and you also extend from 10.5 years to 15 years. Just looks bad all the way around.
by livesoft
Sun Aug 31, 2014 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: refinance to max out Fidelity 403(b)?
Replies: 9
Views: 390

Re: The Power of Zero: Controversial New Book About Taxes

No, I'm saying you should not live in a state that taxes your income if you do not wish to pay state income taxes.
by livesoft
Sun Aug 31, 2014 12:11 am
 
Forum: Investing - Theory, News & General
Topic: The Power of Zero: [Book and tax planning for retirement]
Replies: 51
Views: 4641

Re: The Power of Zero: Controversial New Book About Taxes

Right if you only have 8 years of no income (63-71) and can only convert up to $20k per year at no taxes, that's an IRA of under $200k. I calculated a conversion of something like $68K a year in some cases with no tax. Get some spouse, kids, etc. and really do this right. The reality is that one wh...
by livesoft
Sat Aug 30, 2014 7:45 pm
 
Forum: Investing - Theory, News & General
Topic: The Power of Zero: [Book and tax planning for retirement]
Replies: 51
Views: 4641

Re: 401K for school

I think it is a good idea, but check that there will not be a penalty for early withdrawal of 10%. Is paying for school one of the exceptions to the penalty? And yes, if one can put money in a Roth IRA while 0% tax on it, that's great. Note that the rollover would not be contribution, so that the pe...
by livesoft
Sat Aug 30, 2014 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401K for school
Replies: 10
Views: 542

Re: IRS letter claiming return is late - anyone experience t

They probably don't scan the envelopes that are not late. On second thought, they probably scan everything.
by livesoft
Sat Aug 30, 2014 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS letter claiming return is late - anyone experience this?
Replies: 48
Views: 6134

Re: Anyone used Vanguard Flagship Services With Portfolio $1

Now that might be worth something: If Vanguard could recommend experts, preferable local to the client, that would provide the financial planning services that Vanguard does not. They would have to be vetted and approved for flagship clients by Vanguard. What do you think?
by livesoft
Sat Aug 30, 2014 6:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone used Vanguard Flagship Services With Portfolio $1M+
Replies: 41
Views: 4242

Re: The Power of Zero: Controversial New Book About Taxes

You defer as much as you can and pay low taxes while working. Then you retire early and pay no taxes on Roth conversions. Then when you start receiving SS, you pay no taxes because by that time you only have Roth IRAs. With such a strategy, you will come no where close to paying ACA tax on investmen...
by livesoft
Sat Aug 30, 2014 6:04 pm
 
Forum: Investing - Theory, News & General
Topic: The Power of Zero: [Book and tax planning for retirement]
Replies: 51
Views: 4641

Re: Anyone used Vanguard Flagship Services With Portfolio $1

Mr Sauter probably got the same coffee cup as a company retirement gift … except it wasn't signed by Gus Sauter.
by livesoft
Sat Aug 30, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone used Vanguard Flagship Services With Portfolio $1M+
Replies: 41
Views: 4242

Re: Stocks and capital gains

The advice is always the same: sell, give away, hold or some combination of the three. What do YOU want to do? If you want to keep some of the stocks, just consider them in the appropriate part of your asset allocation. For instance, T, XOM are US mega/large-caps, so you might reduce the amount of l...
by livesoft
Sat Aug 30, 2014 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stocks and capital gains
Replies: 8
Views: 665
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