Search found 40004 matches

by livesoft
Sat Aug 01, 2015 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Planning for a lower income year?
Replies: 6
Views: 256

Re: Planning for a lower income year?

With prop taxes of $56K and state income taxes, no bunching of deductions for you! :)
by livesoft
Sat Aug 01, 2015 10:19 am
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 46
Views: 1432

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

Yes, that is through the roof. At more than $30 a day one could have take-out delivered every day and eat cheaper. Even setting aside the question of whether it's possible to have a healthy diet this way, I don't think 3 people can eat takeout 3 meals a day for $32, especially in NYC. We've been th...
by livesoft
Sat Aug 01, 2015 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Planning for a lower income year?
Replies: 6
Views: 256

Re: Planning for a lower income year?

I stopped working last year, so this year is a low-income year for me. I have made many plans most of them I outlined in this thread: https://www.bogleheads.org/forum/viewtopic.php?t=87471 I will say this though: There is probably no reason to do anything special in the first 9 months of the year ex...
by livesoft
Sat Aug 01, 2015 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss Harvest Help
Replies: 16
Views: 856

Re: Tax loss Harvest Help

You all are making this way too complicated. There is only a single overlapping fund in the OP's accounts and that is Extended Market Index. I will make it simple for the OP: When you have a loss you want to harvest in Extended Market Index in your taxable account, post a new thread about it. But le...
by livesoft
Sat Aug 01, 2015 8:48 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 472
Views: 66302

Re: What are you up YTD? [Year To Date]

Just finished monthly net worth calculations and the size of my investment portfolio has increased 6.98% since Jan 1st. Thanks for the update and congratulations, you are having a great year. Maybe not. Perhaps they contributed an additional 20% to their portfolio this year which would increase net...
by livesoft
Sat Aug 01, 2015 8:42 am
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 46
Views: 1432

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

I already have lunch made: Salad with steak. Dog got a nice bone last night and is about to get a great walk. Don't walk him too hard. It makes the meat tough! JT He is a special breed, so when we cut off a leg to eat, it grows back quickly like a starfish leg. And pet food is pretty inexpensive fo...
by livesoft
Sat Aug 01, 2015 8:39 am
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 46
Views: 1432

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

If you eat fresh foods, it adds up. Yeah I could live on oatmeal, dried fruits, nuts, beans, frozen fish and veggies, but who wants to if you don't have to? Yuk. I completely agree. But you know that yogurt you are eating is technically "spoiled" food and not fresh. :) I had sushi for lun...
by livesoft
Sat Aug 01, 2015 7:35 am
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 46
Views: 1432

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

I just cooked and ate my breakfast. Gluten-free. Probably organic. It cost less than 50 cents. Oatmeal, water, a few dried cranberries, a few walnuts (already shelled, but crushed in my hand for the exercise) and a small glass of milk. That's my first meal of the month. I already have lunch made: Sa...
by livesoft
Sat Aug 01, 2015 6:37 am
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 46
Views: 1432

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

Yes, that is through the roof. At more than $30 a day one could have take-out delivered every day and eat cheaper.
by livesoft
Sat Aug 01, 2015 6:13 am
Forum: Investing - Theory, News & General
Topic: Financial Advisor v. Bogle Approach?
Replies: 23
Views: 1047

Re: Financial Advisor v. Bogle Approach?

I think it is not that the advisor/sales rep will select better investments than an index mutual fund that you could invest in yourself. I think it that the advisor/sales rep/roboadvisor believe they can overcome the bad behaviors of investors who many places claim continually hurt themselves by not...
by livesoft
Fri Jul 31, 2015 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Build a portfolio or stick with target date fund?
Replies: 9
Views: 714

Re: Build a portfolio or stick with target date fund?

I would contribute the maximum possible to the 403(b) which is $18,000 before I contributed to a Roth or 529 plans.
by livesoft
Fri Jul 31, 2015 6:02 pm
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 43
Views: 2473

Re: Retirees: Questions you hate being asked

Nothing bugs me and I enjoy talking to people. However, they may get annoyed by me because I usually ask "Why are you still working?"
by livesoft
Fri Jul 31, 2015 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Build a portfolio or stick with target date fund?
Replies: 9
Views: 714

Re: Build a portfolio or stick with target date fund?

But you could save more than 0.5% a year out of $180K or say about $1,000 a year (and growing) by building your own portfolio. Thus, I suggest you build your own portfolio. It would be like getting a raise or a larger match to your 403(b).
by livesoft
Fri Jul 31, 2015 3:08 pm
Forum: Investing - Theory, News & General
Topic: Questions regarding Tax-Loss Harvesting
Replies: 5
Views: 267

Re: Questions regarding Tax-Loss Harvesting

Here's what I don't get: Do capital losses come in short and long term varieties, like capital gains does? Yes, they do. Wouldn't your tax savings be reduced by the commission on selling and buying your shares? No, just the opposite. Your cost basis is increased by the commission to buy, but your s...
by livesoft
Fri Jul 31, 2015 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor Self Interest?
Replies: 15
Views: 866

Re: Advisor Self Interest?

I was talking to a rep today about how they get compensated even if one had only free-trades and nothing with commissions. They said that they get bonuses based on value of money brought in. So just acquiring your assets they would get more pay. It looks to me like the first 2 Fidelity Spartan funds...
by livesoft
Fri Jul 31, 2015 2:32 pm
Forum: Investing - Theory, News & General
Topic: SMAs vs mutual funds
Replies: 6
Views: 351

Re: SMAs vs mutual funds

My spouse's 401k must have the SMA option. I call it the Bernie Madoff option. The advisor can do anything they want to and one would have no clue what they were doing. At least in her 401k if one picks that option, there is no way to fit one's 401k investments into an overall plan with one's non-40...
by livesoft
Fri Jul 31, 2015 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab vs. Fidelity vs. Vanguard for Advisor Custodian Account
Replies: 8
Views: 426

Re: Schwab vs. Fidelity vs. Vanguard for Advisor Custodian Account

My impression is that advisors like to use a "platform" for all their clients. The platform is usually Schwab or TDAmeritrade. I think Vanguard may be trying to break into that business. So one may not have a choice. If the advisor says they use Schwab, then you pretty much have to use Sch...
by livesoft
Fri Jul 31, 2015 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Form 5500 - Ez questions
Replies: 17
Views: 984

Re: Form 5500 - Ez questions

kareysue wrote:I was wondering regarding 2R. Since vanguard brokerage accounts only let you purchase vanguard funds would 2R still apply?

Vanguard brokerage accounts certainly let one purchase all kinds of non-Vanguard investments, ETFs, funds, etc. I'm think there must be some confusion here.
by livesoft
Fri Jul 31, 2015 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching
Replies: 37
Views: 2541

Re: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching

I don't think this is something that the OP will do, but something that someone the OP knows such as a child or sibling or niece will accomplish. I interpreted the question: How to advice advise a young person what to study in college and what job to have for a career because none of the careers did...
by livesoft
Fri Jul 31, 2015 5:43 am
Forum: Investing - Help with Personal Investments
Topic: Pre-Tax 401K or Roth IRA for Bonds
Replies: 6
Views: 438

Re: Pre-Tax 401K or Roth IRA for Bonds

Probably should have bond funds in both the 401(k) and the Roth IRA.
by livesoft
Thu Jul 30, 2015 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Appraisal Higher than Accepted Offer Price
Replies: 19
Views: 1573

Re: Appraisal Higher than Accepted Offer Price

I cannot tell if you are the seller or the buyer. :)
by livesoft
Thu Jul 30, 2015 9:01 pm
Forum: Investing - Theory, News & General
Topic: Another ex-dividend question: transferring shares
Replies: 12
Views: 666

Re: Another ex-dividend question: transferring shares

Sorry but I don't see anywhere in the post of mine where the price of the stock is either mentioned or relevant. I am a big fan of talking points though. Prove to me where taking the dividend in this stock transfer process is a disadvantage for the OP. First, I know the OP stated the dividend would...
by livesoft
Thu Jul 30, 2015 8:34 pm
Forum: Investing - Theory, News & General
Topic: Saving for College vs. Saving for Retirement: Why the Conventional Wisdom Is Wrong
Replies: 18
Views: 1736

Re: Saving for College vs. Saving for Retirement: Why the Conventional Wisdom Is Wrong

What a silly article by Mark Kantrowitz. Maybe he will register here and defend his opinions. The one scenario he wrote about was parents saving $1,000 in a retirement plan for 40 years. They would borrow to pay for college instead of during the college years stop contributing to the retirement plan...
by livesoft
Thu Jul 30, 2015 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Wife starting a 403b...some questions...
Replies: 27
Views: 1168

Re: Wife starting a 403b...some questions...

I disagree with livesoft that she should roll the 403b to Roth IRA when she leaves work. If losing her salary and gaining a child does push you into a lower bracket, then yes, do roll into Roth but not enough to push you back into the current bracket. If you are unsure, roll the 403b into tIRA inst...
by livesoft
Thu Jul 30, 2015 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup #2: "ACWX" vs. VXUS?
Replies: 11
Views: 581

Re: Portfolio Checkup #2: "ACWX" vs. VXUS?

Instead of looking at ACWX, why not look at a Spartan international fund? FSGDX is available though perhaps you are worried about initial minimum investment? ACWX is fine, but has a higher expense ratio. Volume is good enough, too. I suppose you are thinking of ACWX instead of VXUS only because it i...
by livesoft
Thu Jul 30, 2015 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Does % of students from low income households factor when you pick schools for kids?
Replies: 39
Views: 2514

Re: Does % of students from low income households factor when you pick schools for kids?

In our area, the private schools are much more racially and ethnically diverse than the public schools. Why? I think it is because most of the physicians and major league sports participants send their kids to the private schools. So the possibility exists that you can choose home and send your chil...
by livesoft
Thu Jul 30, 2015 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Form 5500 - Ez questions
Replies: 17
Views: 984

Re: Form 5500 - Ez questions

ok thanks for your help. This form is almost due July 31 so I am mailing it tomorrow with these codes. I didn't think you could mail it. I thought for such plans it had to be electronically submitted nowadays. http://www.irs.gov/Retirement-Plans/File-Your-One-Participant-Plans-Electronically-Using-...
by livesoft
Thu Jul 30, 2015 12:40 pm
Forum: Investing - Theory, News & General
Topic: Waiting for the dip to add funds? Good luck!
Replies: 9
Views: 1483

Re: Waiting for the dip to add funds? Good luck!

Whenever I read an article like that I think to myself, "Nice. So don't wait to buy on a dip which is not the same as rebalancing on a dip." Furthermore, the article is just one person's opinion. That person is clearly a forum member, too. And if the article had any data, then I would thin...
by livesoft
Thu Jul 30, 2015 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Recent windfall - Currently 95% of assets in single stock - Tax and asset allocation advice appreciated
Replies: 79
Views: 5136

Re: Recent windfall - Currently 95% of assets in single stock - Tax and asset allocation advice appreciated

That's an interesting point about donating to a DAF in that it may give one an idea how the trading desk of the DAF dumps the stock. One may have to kind of watch in real-time the action of the stock in the days after the donation --- or at least screen capture the intraday (1-day or 5-day) charts p...
by livesoft
Thu Jul 30, 2015 6:58 am
Forum: Investing - Help with Personal Investments
Topic: New professor, TIAA-CREF AA
Replies: 11
Views: 664

Re: New professor, TIAA-CREF AA

I would use the GSRA (not RA) for as much of the fixed income part of your portfolio add possible. Fully liquid, 3% floor, guaranteed. It doesn't get much better than that. The TIAA-CREF web site talks about 0.15% going forward and perhaps even higher after Feb 2016. Where does it say this? Click o...
by livesoft
Thu Jul 30, 2015 6:38 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss Harvest Help
Replies: 16
Views: 856

Re: Tax loss Harvest Help

Here is what I would for tax-loss harvesting in this situation. 1. The only fund in BOTH accounts is the extended market fund. 2. Ignoring short-term early redemption fees of which Fidelity has many … a. If a taxable equity fund had a loss in taxable, I would exchange into the muni bond fund or anot...
by livesoft
Thu Jul 30, 2015 5:55 am
Forum: Personal Finance (Not Investing)
Topic: TIAA $150 bonus for their new Checking product
Replies: 6
Views: 681

Re: TIAA $150 bonus for their new Checking product

And USAA has a $300 bonus active at the moment for a new checking account with 2 direct deposits in 90 days of at least $250 each. Got a link to this offer? Open for everyone or only service members & family? Sorry, no link. But probably not open to everyone. Here is the edited fine print in an...
by livesoft
Thu Jul 30, 2015 5:46 am
Forum: Investing - Theory, News & General
Topic: Another ex-dividend question: transferring shares
Replies: 12
Views: 666

Re: Another ex-dividend question: transferring shares

… and it would be better tax-wise to not get the dividend, so giving away before the stock goes ex-dividend is better.
by livesoft
Wed Jul 29, 2015 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: New professor, TIAA-CREF AA
Replies: 11
Views: 664

Re: New professor, TIAA-CREF AA

I like that very much. Thanks!
by livesoft
Wed Jul 29, 2015 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 66
Views: 5499

Re: Could John Bogle Be Right About International Stock?

you will do just fine investing strictly in the United States? I think the above is a true statement. You will do just fine using CDs, too. You will do just fine using costly variable annuities. You will do just fine paying 2% in expense ratios. Please define what "do just fine" means. I ...
by livesoft
Wed Jul 29, 2015 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss Harvest Help
Replies: 16
Views: 856

Re: Tax loss Harvest Help

I don't think so. The IRS does not care if you own similar funds which are not a problem. It cares if you own substantially identical funds in your IRAs. Since a 403(b)/457 is not an IRA, I don't think you have any issues, but I doubt you have substantially identical funds in your taxable account an...
by livesoft
Wed Jul 29, 2015 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: New professor, TIAA-CREF AA
Replies: 11
Views: 664

Re: New professor, TIAA-CREF AA

CFM300 wrote:Or how about:

40% U.S. stocks
30% Fixed income
20% International stocks
10% Real estate

It needs more cowbell prime numbers.
by livesoft
Wed Jul 29, 2015 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: New professor, TIAA-CREF AA
Replies: 11
Views: 664

Re: New professor, TIAA-CREF AA

And a Welcome to the forum.

I will give you a suggested asset allocation:
71% Equities, with 41% of total portfolio in US stocks, 23% in international stocks, and 7% in the TIAA Real Estate Account.
29% Fixed income in TIAA traditional.
by livesoft
Wed Jul 29, 2015 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: New professor, TIAA-CREF AA
Replies: 11
Views: 664

Re: New professor, TIAA-CREF AA

TCIEX is a developed markets ex-North America fund following the EAFE index. The 0.06% looks legit for a little while. The TIAA-CREF web site talks about 0.15% going forward and perhaps even higher after Feb 2016.

VT is a global fund (US + international), so not a true international fund.
by livesoft
Wed Jul 29, 2015 7:59 pm
Forum: Investing - Theory, News & General
Topic: Another ex-dividend question: transferring shares
Replies: 12
Views: 666

Re: Another ex-dividend question: transferring shares

Yes. If you own the shares on the morning of the ex-Dividend date before the market opens, then you got the dividend. If the dividend is paid in cash, then I don't think anything that you quoted applies. Note use of "stock dividend" as opposed to perhaps "cash dividend". Also you...
by livesoft
Wed Jul 29, 2015 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: AA Question for 4 accounts
Replies: 23
Views: 858

Re: AA Question for 4 accounts

My answer does not change at all.
by livesoft
Wed Jul 29, 2015 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: AA Question for 4 accounts
Replies: 23
Views: 858

Re: AA Question for 4 accounts

To make it simple, put one fund in most accounts.

1. His 401(k) 100% VBMFX
2. His Roth 100% VTSMX
3. Her Roth 100% VTSMX
4. Her 401(k) whatever else is need to get to desired 80/20. All rebalancing will be done in this account.
by livesoft
Wed Jul 29, 2015 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA $150 bonus for their new Checking product
Replies: 6
Views: 681

Re: TIAA $150 bonus for their new Checking product

And USAA has a $300 bonus active at the moment for a new checking account with 2 direct deposits in 90 days of at least $250 each.
by livesoft
Wed Jul 29, 2015 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Wife starting a 403b...some questions...
Replies: 27
Views: 1168

Re: Wife starting a 403b...some questions...

The IRS tells you what covered by a retirement plan means. Great! So is the following conditional true or false? If a person is eligible to participate in a 403(b), then he or she is covered by a retirement plan. Check it out: http://www.irs.gov/publications/p590a/ch01.html#en_US_2014_publink100023...
by livesoft
Wed Jul 29, 2015 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: My Portfolio and My Investing Behavior
Replies: 14
Views: 1416

Re: My Portfolio and My Investing Behavior

Do you have a charitable giving plan in place such as a donor-advised fund? I would dispense with the individual stocks and have done so in my own portfolio. Sell the losers (ETFs, funds, stocks) in taxable and embark on a plan of giving the others away to charity over the next 0 to 10 years. (Well,...
by livesoft
Wed Jul 29, 2015 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: No Real Estate Stocks In U.S. Total Stock Market?
Replies: 5
Views: 491

Re: No Real Estate Stocks In U.S. Total Stock Market?

Yes. Check out the list of investments in the most recent annual report.
by livesoft
Wed Jul 29, 2015 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Donate $300,000 in traditional IRA to charity
Replies: 22
Views: 2000

Re: Donate $300,000 in traditional IRA to charity

Thanks! And I didn't even have to go look that up. ;)
by livesoft
Wed Jul 29, 2015 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity one-on-one financial guidance consultations
Replies: 3
Views: 389

Re: Fidelity one-on-one financial guidance consultations

I used to work at a place with a Fidelity 401(k). They had a list of "talks" as part of the 401(k) package that an associate could give to an "all-hands" 401(k) meeting. The talk about the importance of asset allocation was outstanding and follows the ideas expressed on the forum...

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