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Re: Vanguard's Website - Bad, or just me?

rkatz0 wrote:There seems to be a lot of blatant misrepresentation of facts on this board these days. Is it just me

It may be just you because I didn't mention ANY company or firm or broker or brokerage in my very generic post, so if misrepresentation was happening, I think it wasn't in my post. :)
by livesoft
Wed Sep 17, 2014 10:43 am
 
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 33
Views: 1597

Re: Buying First Home Questions

I think you start by asking your friends and colleagues who have recently bought homes about their experiences with the local market. They should be able to tell you who they used for information and mortgages. That does not mean that they did the best things, but it's still a good place to start. W...
by livesoft
Wed Sep 17, 2014 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying First Home Questions
Replies: 7
Views: 268

Re: Vanguard's Website - Bad, or just me?

There is something to be said for a web site that prevents one from making transactions and trading. After all, don't investors do better if they forget about their accounts and don't make any adjustments?
by livesoft
Wed Sep 17, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 33
Views: 1597

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

mbk734 wrote:Just remember you are paying extra for the L on your grill!

No 20-year-old co-ed has ever said to me, "Oooooh! You drive a Honda Pilot!"
by livesoft
Wed Sep 17, 2014 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 37
Views: 1979

Re: Perfect Investment Portfolio on MarketWatch

I think this article was discussed previously when it appeared in June … yes, here is the thread:
viewtopic.php?f=10&t=141082
by livesoft
Wed Sep 17, 2014 10:12 am
 
Forum: Investing - Theory, News & General
Topic: Perfect Investment Portfolio on MarketWatch
Replies: 3
Views: 317

Re: How to add to my portfolio monthly without crazy fees

Brokers make their money in various ways. Not everyone does the no-commission, no trading thing. Here are some ways: 1. Pay 0.01% on cash sweep accounts while investing the money at 1%. This generates hundreds of millions of dollars of revenue. It doesn't really matter what the actual interest rates...
by livesoft
Wed Sep 17, 2014 9:59 am
 
Forum: Investing - Help with Personal Investments
Topic: How to add to my portfolio monthly without crazy fees
Replies: 28
Views: 1269

Re: College Savings vs Aid: 529s, UTMAs, FAFSA, and all tha

Do the parents have to declare gifts they've received on the FAFSA form? Not as such, but they must declare all their assets, so if they are given $100,000 and the $100,000 is under the mattress or sitting in checking, savings, or brokerage accounts on the day they sign the FAFSA, then it must be d...
by livesoft
Wed Sep 17, 2014 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: College Savings vs Aid: 529s, UTMAs, FAFSA, and all that
Replies: 44
Views: 1792

Re: Make Link show as title instead of URL?

One can manually do that. It takes a few steps, so perhaps there is a better way. 1. Click on URL button when doing "POST A REPLY". You will get the paired: \[url][/url] 2. Copy the title and place between the url pair: \[url] Title goes here [/url] 3. Add an equal sign = after the first u...
by livesoft
Wed Sep 17, 2014 6:45 am
 
Forum: Forum Issues and Administration
Topic: Make Link show as title instead of URL?
Replies: 3
Views: 141

Re: How to add to my portfolio monthly without crazy fees

I am probably one of the biggest fans of ETFs on the forum and also a big fan of TDAmeritrade where I have more assets than I have at Vanguard... By the way livesoft, what do you like about TDAmeritrade in comparisons to Vanguard? Since I use only ETFs anyway, I've been thinking about a switch. I t...
by livesoft
Tue Sep 16, 2014 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to add to my portfolio monthly without crazy fees
Replies: 28
Views: 1269

Re: Impulse Buy vs. Investment Strategy

If you still want to buy VTSAX in a month, then it probably isn't an impulse. It might be a strategy even.
by livesoft
Tue Sep 16, 2014 9:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Impulse Buy vs. Investment Strategy
Replies: 3
Views: 255

Re: Any success stories of ppl who never made >$50,000?

So I understand why a lot of people don't stick around, ... I imagine that lots of people come here, get the answers to their questions, and move on. Not everyone needs or wants to spend time hanging out on a message board forum. They probably have lots of better things to do with their time, once ...
by livesoft
Tue Sep 16, 2014 8:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 106
Views: 4990

Re: Any success stories of ppl who never made >$50,000?

But the OP wrote "who has a multi million dollar stock portfolio" which I think means at least two million. That's gonna be tough unless someone was an early employee with stock options of a few select companies.
by livesoft
Tue Sep 16, 2014 8:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 106
Views: 4990

Re: Financial Psychology - Mind Over Money

A couple of things related to 401(k) plans probably came out of behavioral finance stuff: 1. Automatic opt-in so that employees were automatically enrolled. 2. Default choice of 401(k) plans is now a target retirement type fund instead of the money market fund. In the past the MM fund was so that on...
by livesoft
Tue Sep 16, 2014 8:06 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 52
Views: 1928

Re: Trying to understand taxes in retirement, correct me

Try using TaxCaster from intuit to run "What if?" scenarios. It's pretty easy. Maybe the moneychimp thing is OK, too. Here's the ZERO taxes in retirement thread: http://www.bogleheads.org/forum/viewtopic.php?t=87471 You are missing children, so your income won't be able to go up to 6-figur...
by livesoft
Tue Sep 16, 2014 7:48 pm
 
Forum: Investing - Theory, News & General
Topic: Trying to understand taxes in retirement, correct me
Replies: 11
Views: 860

Re: Proposed: 35% Maximum Bond Allocation, For Life

I like it. Yep with that 2.3% sustained withdrawal rate one can do anything they want to and it really won't matter one bit. :)

My bond allocation is now 36% and I don't see a need right now to ever change it.
by livesoft
Tue Sep 16, 2014 7:33 pm
 
Forum: Investing - Theory, News & General
Topic: Proposed: 35% Maximum Bond Allocation, For Life
Replies: 6
Views: 697

Re: Tax Stupid Investment

Well, let's accentuate the positive: You mentioned tax-exempt bonds, so you are not paying taxes on those. Thus you must've been thinking about taxes at some point and did something good about them. :)
by livesoft
Tue Sep 16, 2014 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Stupid Investment
Replies: 10
Views: 821

Re: How to best adjust asset allocation as years pass

I have changed my asset allocation, but not based on age at all. Instead, I make changes based on a few things: 1. Life events. For instance, new job or retirement. If I know I am going to be retired anytime between now and 5 years, I make a change because I know my income will change substantially....
by livesoft
Tue Sep 16, 2014 5:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to best adjust asset allocation as years pass
Replies: 10
Views: 619

Re: Financial Psychology - Mind Over Money

VictoriaF wrote:Kahneman, Ariely, and other prominent BE researchers freely admit that the knowledge of cognitive biases has not protected them from making every mistake in the book.

I always thought that their editors forced them to put that in their books.
by livesoft
Tue Sep 16, 2014 4:49 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 52
Views: 1928

Re: Financial Psychology - Mind Over Money

^Those are nice thoughts thanks for putting them in this thread.
by livesoft
Tue Sep 16, 2014 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 52
Views: 1928

Re: Ack! Bought a Dividend!

@ybsybs, it's worse than that.

On Sep 17 Janet Yellen says something. VTSAX drops by 2%. If Ybsybs had waited until after Yellen spoke until Sep 23, Ybsybs would have bought VTSAX even cheaper and saved on the dividend taxes, too.
by livesoft
Tue Sep 16, 2014 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ack! Bought a Dividend!
Replies: 23
Views: 1750

Re: Financial Psychology - Mind Over Money

I'll toss in my method to avoid loss aversion: Always buy on an RBD. That is, one buys right into the teeth of a major drop in your assets.
by livesoft
Tue Sep 16, 2014 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Psychology - Mind Over Money
Replies: 52
Views: 1928

Re: How to add to my portfolio monthly without crazy fees

notwerby wrote: The only downside i saw to ETFS is not being able to automatically re-invest dividends.

This is a misperception on your part. One can automatically re-invest the dividends from ETFs for free at almost all brokers and that includes TDAmeritrade and Vanguard.
by livesoft
Tue Sep 16, 2014 2:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to add to my portfolio monthly without crazy fees
Replies: 28
Views: 1269

Re: Any success stories of ppl who never made >$50,000?

The Fed Reserve has the Survey on Consumer Finances. There is a thread on that: viewtopic.php?f=10&t=146493 It's great for some data mining of what is middle class, credit card debt, etc.
by livesoft
Tue Sep 16, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 106
Views: 4990

Re: Any success stories of ppl who never made >$50,000?

I am just wondering if there's anyone here who has a multi million dollar stock portfolio but has never made more than $50,000 (in their day job) or is that near impossible to achieve? That will be very tough. I imagine there are folks in that category, but they probably received a windfall or have...
by livesoft
Tue Sep 16, 2014 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 106
Views: 4990

Re: Australia and New Zealand

Actually Uluru is surprisingly easy to see: Book a roundtrip flight from Sydney, book a hotel there for 3 nights, rent a car, go everywhere on your own with 2 full days of hiking. Then you will understand such posts about market dips like this one on the Uluru omen: http://www.bogleheads.org/forum/v...
by livesoft
Tue Sep 16, 2014 2:18 pm
 
Forum: Personal Consumer Issues
Topic: Australia and New Zealand
Replies: 11
Views: 806

Re: Ack! Bought a Dividend!

The old funds will probably pay a dividend anyways, so either way you would have a taxable dividend to contend with.
by livesoft
Tue Sep 16, 2014 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ack! Bought a Dividend!
Replies: 23
Views: 1750

Re: How to add to my portfolio monthly without crazy fees

I am probably one of the biggest fans of ETFs on the forum and also a big fan of TDAmeritrade where I have more assets than I have at Vanguard, but based on your writings here notwerby, you really should transfer your Roth IRA from TDAmeritrade to Vanguard and buy a Target Retirement fund of index f...
by livesoft
Tue Sep 16, 2014 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to add to my portfolio monthly without crazy fees
Replies: 28
Views: 1269

Re: How often do YOU rebalance and when?

Whenever I need to which is not often.
by livesoft
Tue Sep 16, 2014 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: How often do YOU rebalance and when?
Replies: 16
Views: 585

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

The main difference is 10 years. The 2011 RX 350 is bigger. The features that my cars differ in: Newer car has knee airbags, backup camera, bluetooth, nearness sensors for parking assist, side mirrors tilt when backing up, power tailgate lift, keyless (finger touch) door locking, cooled/heated front...
by livesoft
Tue Sep 16, 2014 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 37
Views: 1979

Re: Australia and New Zealand

Must see: Uluru / Ayers Rock (out of the way and many Australians do not go, but you need to) Sydney: Harbor Tour, Bridge Climb, Australian Museum (mining, geology exhibit is superb), IMAX 3D, Melbourne / Great Ocean Road / 12 Apostles Plenty of nature parks with Australian animals such a Healesvill...
by livesoft
Tue Sep 16, 2014 10:18 am
 
Forum: Personal Consumer Issues
Topic: Australia and New Zealand
Replies: 11
Views: 806

Re: "Why 97% of People Don't Use 529 College Savings Plans."

But a Roth IRA is a pretty decent way to save for college expenses. Why wouldn't one do that before putting money in a 529 plan?
by livesoft
Tue Sep 16, 2014 10:11 am
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 10058

Re: DINK 200K household income - ways to reduce taxable inco

Sounds like a business opportunity awaits the right person. BTW, we were DINKs until our late-30's. When the kids came along, we both continued to work. We used many different options over those early years for child care including a shared nanny, daycare, relatives. We even lived in a high COLA nea...
by livesoft
Tue Sep 16, 2014 7:52 am
 
Forum: Personal Finance (Not Investing)
Topic: DINK 200K household income - ways to reduce taxable income?
Replies: 31
Views: 3404

Re: "Why 97% of People Don't Use 529 College Savings Plans."

But the average state university is relatively inexpensive, so the middle class could always send at least the first kid to college without any financial aid. Perhaps, the news media has been harping on this so long while only mentioning the cost of the most expensive universities that we have been ...
by livesoft
Tue Sep 16, 2014 7:13 am
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 10058

Re: Talk Me Off The Edge

This is a decision one has to make for oneself. Furthermore, one does not need to make a complete shift from Total Bond to Short-term. I shifted some to short-term in March 2013: http://www.bogleheads.org/forum/viewtopic.php?p=1638192#p1638192 This thread started by Rick Ferri also has some comments...
by livesoft
Mon Sep 15, 2014 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Talk Me Off The Edge
Replies: 8
Views: 1606

Re: Any FRANCHISE owners here?

It appears that all the franchise owners are working hard, so they have no time for internet forums.
by livesoft
Mon Sep 15, 2014 10:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any FRANCHISE owners here?
Replies: 30
Views: 3105

Re: car financing

I recently bought a car and had my checkbook out to pay in full with cash since all negotiations were done. There was no trade-in involved as well. The salesguy suggested I go for the 0% financing instead. I agreed. Guess what? No extra fees whatsoever.
by livesoft
Mon Sep 15, 2014 10:08 pm
 
Forum: Personal Consumer Issues
Topic: car financing
Replies: 3
Views: 432

Re: Roth stock/bond allocation

Here is a thread on the subject with my thoughts:
viewtopic.php?p=2129672#p2129672
by livesoft
Mon Sep 15, 2014 9:51 pm
 
Forum: Investing - Theory, News & General
Topic: Roth stock/bond allocation
Replies: 8
Views: 628

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

ram wrote:I read the linked thread and will start with the 15% off.

I missed the above until now. If you start at 15% off, you will end up higher. You might wish to start at 20% off.
by livesoft
Mon Sep 15, 2014 9:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 37
Views: 1979

Re: Any FRANCHISE owners here?

I am not a franchise owner, but my in-laws are. I haven't seen them since. They work all the time including holiday, Christmas, New Year's, etc. All the time. But they don't have to get up very early like donut franchisees.
by livesoft
Mon Sep 15, 2014 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any FRANCHISE owners here?
Replies: 30
Views: 3105

Re: Very lost on random inherited bonds in portfolio

What is their value today? If it is more than about 5% of one's portfolio AND more than $50,000, I would vote for selling down to that level. Otherwise, I would put them in set-and-forget mode. I wonder what others would do.
by livesoft
Mon Sep 15, 2014 6:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Very lost on random inherited bonds in portfolio
Replies: 7
Views: 505

Re: Key to happintess in retirement.

I agree with the findings of the study. But having good health is somehow out of our control. You could do everything right and find yourself with a cancer some day. Financial security can be controlled by LBYM and having loving family and good friends certainly helps a lot to fill out the empty da...
by livesoft
Mon Sep 15, 2014 5:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Key to happiness in retirement
Replies: 36
Views: 3477

Re: 3.0% 8 year non-callable CD - opinions?

I'm wondering if they are trying to unload/push this new issue before the FOMC results this week. I'm going to do a screen capture of the other CDs with maturity dates within a month of this one and see how the YTM changes in the next week. Whoops, the 3.0% one we just discussed is no longer showing...
by livesoft
Mon Sep 15, 2014 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.0% 8 year non-callable CD - opinions?
Replies: 6
Views: 643

Re: Meetings over the lunch hour, taboo?

In my experience the site host for the meeting pays for the lunch which is brought in-house. It is likely that the young folks would normally have to buy their own lunches or bring, so that by having a meeting over lunch, they get a free lunch. If they are not buying a nice lunch for you, then that ...
by livesoft
Mon Sep 15, 2014 4:34 pm
 
Forum: Personal Consumer Issues
Topic: Meetings over the lunch hour, taboo?
Replies: 26
Views: 2087

Re: 3.0% 8 year non-callable CD - opinions?

I'm looking at it now on the TDAmeritrade CD center. One has more than a week to buy this thing. The CUSIP is 36161T2UB. Other CDs are available for the same 8 years, but have YTM of 2.937% to 2.677%, so on the face of it, I can see why your guy called you. I personally would not buy it. I would be ...
by livesoft
Mon Sep 15, 2014 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.0% 8 year non-callable CD - opinions?
Replies: 6
Views: 643

Re: Draw Taxable Investments First?

For starters, use your last year's (2013) copy of TT and plug in your 2014 numbers.

The new version usually appears around Thanksgiving, so use the holiday for tax planning and decisions on what to sell in 2014.

Keep abreast of changes in tax laws, so that you can account for them.
by livesoft
Mon Sep 15, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Draw Taxable Investments First?
Replies: 6
Views: 605

Re: "Why 97% of People Don't Use 529 College Savings Plans."

I posted the above question earlier but it didn't get any response so I thought I would try again on just the most specific question I have 😃. Wouldn't contributing to a 529 plan in a state that gives a tax deduction make more sense than a Roth IRA post taxes? Granted you have less control over the...
by livesoft
Mon Sep 15, 2014 3:34 pm
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 10058

Re: "Why 97% of People Don't Use 529 College Savings Plans."

I'm a little confused regarding financial aid consideration. It seems to me the vast majority of people with 529s probably have enough income not to qualify for any financial aid to begin with? Maybe things have changed but middle class income basically rules out any financial aid. Yes, that's the ...
by livesoft
Mon Sep 15, 2014 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 10058

Re: Draw Taxable Investments First?

Generally, one may find it best to withdraw from more than just taxable at the beginning. For instance, perhaps one should be converting traditional IRA/401(k)/403(b) to Roth IRA. Here is how to not have to pay income taxes in retirement: http://www.bogleheads.org/forum/viewtopic.php?t=87471 Use a t...
by livesoft
Mon Sep 15, 2014 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Draw Taxable Investments First?
Replies: 6
Views: 605

Re: Good hobby for a bright/obsessive 9 year old?

chaz wrote:Tennis lessons and a chess set.

Yes, to both. I remember going to a chess club at age 12 and checkmating the Pastor who lived next door to me.
by livesoft
Mon Sep 15, 2014 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 69
Views: 2501

Re: Good hobby for a bright/obsessive 9 year old?

Collecting insects. One can stick pins in them and have a nice display case. Collecting leaves, flowers, and seeds of every kind of plant within a 10 miles radius of home. Making mushroom spore prints. Breeding all kinds of fish: Cichlids, livebearers, etc. Beekeeping. Since he is not particularly a...
by livesoft
Mon Sep 15, 2014 2:17 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 69
Views: 2501
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