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Re: Retirement portfolio checkup

None of your questions can be answered with a high degree of confidence. Can you ask some easier questions please? :) 1. Who knows? In the past 4% was OK, but nowadays folks are writing about 3.0% and 3.5%. You kinda are asking us to predict the future. You could use some of your money to buy a Sing...
by livesoft
Sun Apr 20, 2014 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement portfolio checkup
Replies: 1
Views: 25

Re: Beware Vanguard DOES NOT update all your account values

It does not fix the problem about displaying accurate to-the-second prices, but why not just transfer your Vanguard ETFs from Wells Fargo over to Vanguard? I am not interested in accurate-to the-second prices. I would like them to accurate-to-the-12-hours. Today is Sunday, April 20th and the prices...
by livesoft
Sun Apr 20, 2014 11:16 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 44
Views: 2740

Re: Two day old posted values?

Has anybody else noticed that your Vanguard account uses values for ETFs that are wrong (about two days old). We must be in different worlds. I couldn't care less about (unofficial) values that might be "two days old." What difference does it make to stay-the-course investors? I think it ...
by livesoft
Sun Apr 20, 2014 10:04 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 44
Views: 2740

Re: Beware Vanguard DOES NOT update all your account values

I thnk it would be more fun to go to lunch instead.
by livesoft
Sun Apr 20, 2014 9:21 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 44
Views: 2740

Re: Beware Vanguard DOES NOT update all your account values

Now knowing that livesoft loves to experiment and suspecting from other threads that he has TIAA Traditional, I ask, can you track Traditional in Outside Investments? Yes, one can track TIAA Traditional as fixed income at Vanguard, but only manually. And one can track TIAA Real Estate Account as &q...
by livesoft
Sun Apr 20, 2014 9:12 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 44
Views: 2740

Re: Hit your #, Still want to work, does your savings % chan

Anyone who have read my posts has figured out I am struggling with the concept of enough. Something about the realization that my years of drawing a salary are coming to an end is just causing me to want to cling to them all the more tightly. The concept of letting go a a good paycheck is very stre...
by livesoft
Sun Apr 20, 2014 8:51 am
 
Forum: Investing - Theory, News & General
Topic: Hit your #, Still want to work, does your savings % change?
Replies: 17
Views: 1084

Re: Beware Vanguard DOES NOT update all your account values

I was checking my account every hour or so as a public service to the forum in order to figure out what was going on with the display of numbers at Vanguard. That way, when somebody asks "What's going on with the numbers in my account on Vanguard's web site?" I will be able to answer with ...
by livesoft
Sun Apr 20, 2014 8:03 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 44
Views: 2740

Re: Hit your #, Still want to work, does your savings % chan

I think I actually have fewer toys. I cut back on work and became semi-retired. Then I spent a little more on experiences. In essence, you start practicing being retired in small ways. And as you get older your longevity risk goes down, so you realize that you won't be able to spend it all anyways. ...
by livesoft
Sun Apr 20, 2014 7:46 am
 
Forum: Investing - Theory, News & General
Topic: Hit your #, Still want to work, does your savings % change?
Replies: 17
Views: 1084

Re: IRS Lost Electronic Return?

Sure, please mail in a duplicate return. That seems easy enough.
by livesoft
Sun Apr 20, 2014 7:41 am
 
Forum: Personal Finance (Not Investing)
Topic: IRS Lost Electronic Return?
Replies: 8
Views: 311

Re: NYT: Re-education of a Brash Young Stock Picker

I think Mr. Lieber has an ulterior motive for getting this article published and it's a good one. He knows that readers will weigh in with comments and that folks will read the comments section. And in the comments section of this particular article praise for index funds, Vanguard, and even a menti...
by livesoft
Sun Apr 20, 2014 7:38 am
 
Forum: Investing - Theory, News & General
Topic: NYT: Re-education of a Brash Young Stock Picker
Replies: 20
Views: 2117

Re: Best way to get a car loan

Lots of places do car loans. USAA has 0.8% new car loans and the process appears to be as described by SarasotaJohn with Penfed.

I guess the best way is to shop around for a loan.
by livesoft
Sun Apr 20, 2014 6:47 am
 
Forum: Personal Consumer Issues
Topic: Best way to get a car loan
Replies: 7
Views: 351

Re: M* caution on emerging markets dividend ETFs

And you own which of these (full disclosure)?
by livesoft
Sun Apr 20, 2014 6:37 am
 
Forum: Investing - Theory, News & General
Topic: M* caution on emerging markets dividend ETFs
Replies: 11
Views: 586

Re: ETF Question: How Long to Re-Pull Trigger

You have probably come up against the "pattern day trader rule" You will need $25,000 in your account. So google that. And there is the trade settlement time of Trade plus 3 days or you might be slapped with a "free-riding" curtailment of your ability to trade. So google that. Yo...
by livesoft
Sun Apr 20, 2014 6:26 am
 
Forum: Investing - Help with Personal Investments
Topic: ETF Question: How Long to Re-Pull Trigger
Replies: 4
Views: 227

Re: Qualified Dividends Question

One still needs to report one's income in its entirety on the first page of Form 1040. The tax is calculated elsewhere. Have you looked at your tax on that? One can read page 2 of Form 1040 where it should show how the tax was calculated. Doesn't your accountant review anything with you before you s...
by livesoft
Sat Apr 19, 2014 6:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Qualified Dividends Question
Replies: 6
Views: 311

Re: POLL: why carry cash?

"Here, can you give me a five for these 5 ones you gave me. Please."
by livesoft
Sat Apr 19, 2014 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 156
Views: 3684

Re: Beware Vanguard DOES NOT update all your account values

tetractys wrote:This is nothing new, ...

Yes, it's nothing new, but if no one tells Vanguard, they won't even try to fix it.

Vanguard has fixed things before on their web site that I mentioned to them, so I have my hopes up on this one, too.
by livesoft
Sat Apr 19, 2014 5:33 pm
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 44
Views: 2740

Re: Binocular Recommendation Request

I think there have been binocular recommendation threads on this forum in the past. Did you look?
by livesoft
Sat Apr 19, 2014 5:20 pm
 
Forum: Personal Consumer Issues
Topic: Binocular Recommendation Request
Replies: 12
Views: 397

Re: Flights D.C. to London: Buy now or wait?

We fly to London tomorrow. The biggest benefit with buying early from United is getting to chose your seats when you buy the tickets. Sometimes it does one no good. When I flew recently, I had picked out a great seat with no one around me. United changed the aircraft to one with fewer seats so ever...
by livesoft
Sat Apr 19, 2014 4:43 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 25
Views: 809

Re: Flights D.C. to London: Buy now or wait?

I'd buy now. I don't know if the Barclay's card gives you any perks, but an airline affiliated card would. For example, United Mileage Plus gets you early boarding and more miles. OK, the early boarding is no longer special since everybody has one of these cards now. I flew round-trip Houston to Lon...
by livesoft
Sat Apr 19, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 25
Views: 809

Re: Beware Vanguard DOES NOT update all your account values

Probably caching the results for performance reasons. That's an idea, but since the prices are correct on one page and not others, that makes me think caching is not the problem. Also since non-Vanguard mutual fund pricing is the same (AND correct) on all the pages, that makes me think caching is n...
by livesoft
Sat Apr 19, 2014 10:58 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 44
Views: 2740

Re: Beware Vanguard DOES NOT update all your account values

Code Commit wrote:…. Or Fidelity Full View for a more timely picture of the entire portfolio.

I use Fidelity as well and it suffers from a similar problem in that up-to-date account values on one page are not reflected in the Analysis (Guided Portfolio Summary) page which uses stale values.
by livesoft
Sat Apr 19, 2014 10:37 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 44
Views: 2740

Re: Beware Vanguard DOES NOT update all your account values

Thanks, that's helpful. You are welcome. When do you typically check your account? In the evening after the market closes or the next morning? I would be curious to see if the lag is a full day or if it only lags by X hours and they are in sync for part of the day. I check on the weekend. The value...
by livesoft
Sat Apr 19, 2014 10:00 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 44
Views: 2740

Re: Does this strategy invite unnecessary risk?

thanks nedsaid, I am doing a bit of research on him now. It looks like the Coffeehouse Portfolio also invests in S&P 500 index but not Total US Stock Market Index (like Larry and Paul). Is there something I am missing about why they arent invested in the Total US Stock Market Fund? and again th...
by livesoft
Sat Apr 19, 2014 9:35 am
 
Forum: Investing - Theory, News & General
Topic: Does this strategy invite unnecessary risk?
Replies: 42
Views: 2407

Beware Vanguard DOES NOT update all your account values

Has anybody else noticed that your Vanguard account uses values for ETFs that are wrong (about two days old) if you have them among your " Outside investments --- Accounts that you have added "? I have communicated with Vanguard about this, but the CSR cannot understand what I am asking ab...
by livesoft
Sat Apr 19, 2014 8:48 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 44
Views: 2740

Re: POLL: why carry cash?

Splitting bills with credit cards is trivial. The waitstaff is used to it. I like that when we do it, all our friends have awesome cash-back or frequent flyer cards like we do. And just yesterday, I used my credit card to buy something for 65 cents from a vending machine. So far, my smallest charge ...
by livesoft
Sat Apr 19, 2014 6:27 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 156
Views: 3684

Re: 3 researched questions for you re: my portfolio & financ

I can respond to question 2. Suppose VTSAX rises dramatically over the next 5 years and then has a dramatic drop to a level still above what it is now. Would you want to be in cash waiting for that dramatic drop that would still have you buying at a higher price than right now? I suggest you do not ...
by livesoft
Fri Apr 18, 2014 7:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 researched questions for you re: my portfolio & finances
Replies: 23
Views: 1356

Re: When are Index Funds purchased?

When one places an order at Vanguard for a mutual fund, the price or NAV that you get is the next closing NAV or price. And your account will not be updated until some time after midnight or about 10 to 15 hours later. If you submit an order after the market close late in the day, then you will not ...
by livesoft
Fri Apr 18, 2014 7:35 pm
 
Forum: Investing - Theory, News & General
Topic: When are Index Funds purchased?
Replies: 4
Views: 512

Re: AA accross multiple accounts

Each account. No aggregation.
by livesoft
Fri Apr 18, 2014 3:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA accross multiple accounts
Replies: 25
Views: 1031

Re: Question on borrowing from IRA

I guess we can assume you are younger than 59.5 years of age. I have not done this, but will write that you should watch out for the following: I think the custodian may withhold 20% tax and if you don't put that 20% back into the IRA, then it will probably be considered a redemption and then you wi...
by livesoft
Fri Apr 18, 2014 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question on borrowing from IRA
Replies: 12
Views: 596

Re: Fixed Income Categories

Yep, I like the term "fixed income" even it is pays no income. :) Cash, bonds, CDs, I-bonds, pennies found on the sidewalk, …,they are all fixed income to me. It helps that I don't own any junk bond funds, nor high-yield bond funds, nor long-term bond funds, nor balanced funds. I am partic...
by livesoft
Fri Apr 18, 2014 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: Fixed Income Categories
Replies: 19
Views: 1120

Re: Bernstein retirement plan

Is it safe to write that there seems to be a lot of confirmation bias going on in this thread? I don't feel I need 25X required expenses in something absolutely safe. OTOH, I am sure that my absolute bare-bones required expenses would be covered by SS eventually. After all, many folks are able to li...
by livesoft
Fri Apr 18, 2014 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bernstein retirement plan
Replies: 38
Views: 4896

Re: Otar - Tactical Asset Allocation

But even Jack Bogle seems well-regarded on this forum, yet folks do not take his advice when it comes to small-cap and value tilting.
by livesoft
Fri Apr 18, 2014 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Otar - Tactical Asset Allocation
Replies: 7
Views: 792

Re: Otar - Tactical Asset Allocation

It seems that every author writes something where I have to think, "Huh?" and Otar is no exception. I sure hope you don't believe everything you read without some critical thinking of your own. And to throw you a bone, if you call buying on an RBD "tactical asset allocation", the...
by livesoft
Fri Apr 18, 2014 10:58 am
 
Forum: Investing - Theory, News & General
Topic: Otar - Tactical Asset Allocation
Replies: 7
Views: 792

Re: *poor* Bogleheads

I learned years ago that there were always people (friends, family, strangers) that would always have lots more talent/money/looks/good health/fill-in-the-blank than me. I also learned that there were always people that would always have lots less talent/money/looks/good health/fill-in-the-blank tha...
by livesoft
Fri Apr 18, 2014 8:17 am
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 5198

Re: "Best" place for new tires and tire protection plans = B

First off, I must say that I do not buy tires often. Second, I don't think it matters where you buy tires, just find the cheapest places for the tires you want. There appears to be no benefit for loyalty to a shop. Third, don't fall in love with a brand or model, but select from the top 2 or 3 model...
by livesoft
Fri Apr 18, 2014 7:52 am
 
Forum: Personal Consumer Issues
Topic: "Best" place for new tires and tire protection plans = B.S.?
Replies: 24
Views: 1456

Re: Oh No! My Tilt has untilted!

Yes, you are right that I am getting this from the Morningstar Stylebox of my portfolio. I was wondering if others had experienced this. No, I have not experiencd this, but I have experienced something else: M* sometimes recategorizes a stock from value to growth and vice versa. So if you own indiv...
by livesoft
Fri Apr 18, 2014 5:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Oh No! My Tilt has untilted!
Replies: 14
Views: 1964

Re: Boglehead used car problem. Run It or ditch it?

It's an 05 with only 125K on it. I'd keep it until it went over 200K miles minimum.
by livesoft
Thu Apr 17, 2014 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead used car problem. Run It or ditch it?
Replies: 20
Views: 1321

Re: Avoiding VNQ due to interest rate [Vanguard REIT]

VNQ was up so much this year, that recently I had to sell rebalance out of it. I'm usually early about these things, so I probably will do worse than if I just had held on. But you know, if you live by the IPS, then you die by the IPS.
by livesoft
Thu Apr 17, 2014 7:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Avoiding VNQ due to interest rate [Vanguard REIT]
Replies: 28
Views: 2244

Re: Where are the Opportunities now ?

Oh, another thing: If you wish to perform better in 2014 in an asset class than the asset class itself will do, all you have to do is buy the asset class below its level at the beginning of the year and account for dividends you missed. There are a few things hovering just under and just over break-...
by livesoft
Thu Apr 17, 2014 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where are the Opportunities now ?
Replies: 28
Views: 1940

Re: Asset allocation over time

I changed our asset allocation based on life events that happened, so if nothing happened for 5 years, no change. Actually, the life events that tended to matter were reaching $1 million, $2 million, $3 million, …, well, you get the idea.
by livesoft
Thu Apr 17, 2014 6:09 pm
 
Forum: Investing - Theory, News & General
Topic: Asset allocation over time
Replies: 23
Views: 1207

Re: Where are the Opportunities now ?

Here's an opportunity if you wish to try market timing: Look at what IWM (Russell 2000 index) did in the past 2 weeks. It dropped almost 7% at one point during that time frame while other small-cap indices tracked by VBR, IJS, and VXF did not do as poorly. Do you have the guts to buy IWM and sell it...
by livesoft
Thu Apr 17, 2014 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where are the Opportunities now ?
Replies: 28
Views: 1940

Re: Vanguard Total International (VTSAX) - Taxable Account

Or why not divide up international into the qualified dividend component to keep in taxable and the non-qualified dividend component to keep in tax-advantaged?
by livesoft
Thu Apr 17, 2014 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VTSAX) - Taxable Account
Replies: 24
Views: 2146

Re: Vanguard index funds through Schwab

I did talk with Vanguard who told me that they ONLY have the admiral index mutual funds if you buy DIRECTLY from Vanguard, so you can't get them from Schwab at all. So Vanguard must be lying. Right? I have certainly purchased Vanguard Admiral funds with no commission at my broker in the past. And w...
by livesoft
Thu Apr 17, 2014 5:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard index funds through Schwab
Replies: 18
Views: 1564

Re: The dangers of backtesting and overfitting data - paper

Over-fitting is a common problem that is routinely solved by something called "Cross Validation". I have never seen it used by financial types which is a shame since it is such a universal technique.

Maybe somebody like Rodc can also comment on cross-validation?
by livesoft
Thu Apr 17, 2014 5:09 pm
 
Forum: Investing - Theory, News & General
Topic: The dangers of backtesting and overfitting data - paper
Replies: 18
Views: 1002

Re: practicing medicine in Texas...

There are way too many Doc-in-a-Boxes in my area in Texas. They are becoming more prevalent than Starbucks. Sometimes they are across the street from each other. One day I expect to have 4 of them at the same intersection --- one on each corner. So I think one should do some market research on this....
by livesoft
Thu Apr 17, 2014 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: practicing medicine in Texas...
Replies: 23
Views: 1798

Re: Short-term Bond Index Fund

I read a lot of posts on the forum and over the years just about every version of a vanguard short-term bond fund (I think there are 6 or more different Vanguard ST bond funds) has been presented as a possible substitute for a money market or CD or emergency fund. One can "dial-in" the ris...
by livesoft
Thu Apr 17, 2014 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Short-term Bond Index Fund
Replies: 8
Views: 849

Re: Help looking for ways to get to 50-50

If she doesn't pay any income taxes, then target retirement in taxable is just fine.
by livesoft
Thu Apr 17, 2014 9:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Help looking for ways to get to 50-50
Replies: 18
Views: 1129

Re: Taxes owed in taxable account

But niceguy, you can do this for yourself and for us. OK, except for the part about buying on Jan 1, but you can do it for buying on Dec 31, 2012 or Jan 2, 2013. One can look up the NAV for those days and do the math. And Vanguard has the actual 2013 distributions on their web site.
by livesoft
Thu Apr 17, 2014 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxes owed in taxable account
Replies: 18
Views: 978

Re: 401k Plan AUM fees

So what does your adviser do for their money? If you are using Employee Fiduciary, you might as well let your adviser go (aka make them redundant or fire them).
by livesoft
Wed Apr 16, 2014 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Plan AUM fees
Replies: 9
Views: 415
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