Search found 33524 matches

Return to advanced search

Re: I Tunes updates

3 years ago, one could not have even used an ipad without somehow connecting it to itunes at first through a computer.
by livesoft
Sat Sep 20, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: I Tunes updates
Replies: 5
Views: 372

Re: Do I Really Need a Million Bucks?

Let's not discourage people from making goals that are realistic. Folks should just get over it. There will always be people who make more money than me, can dunk a basketball, ride a bike faster, drive a more expensive car, run a marathon, make better investing decisions, pay more for daycare than...
by livesoft
Sat Sep 20, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Do I Really Need a Million Bucks?
Replies: 50
Views: 2642

Re: Regular vs Roth 401k?

I think a traditional 401(k) is what she should do. And the taxes she saves from the deduction, she should invest in a Roth IRA.

But if her 401(k) has only 5.75% front-end load funds and huge expense ratios, I might change my mind.
by livesoft
Sat Sep 20, 2014 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Regular vs Roth 401k?
Replies: 5
Views: 332

Re: Do I Really Need a Million Bucks?

I am 64 with wife and my SS$ no pension, guess I'm saying I for will not buy into fear, life is too good and too short. That's what I like to read. :) If you are like me, you probably have pretty low living expenses. Perhaps health care is covered, low utility costs, low property taxes, no mortgage...
by livesoft
Sat Sep 20, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Do I Really Need a Million Bucks?
Replies: 50
Views: 2642

Re: Total bond index or 5 yr CD?

I wouldn't get the CD because I like total bond market index. I believe that it is not only about yield, but also about the change in NAV or if you like: total return. I sell total bond index shares when the NAV goes up in a rebalancing move. If I only want to earn 2.3%, then I buy a short-term bond...
by livesoft
Sat Sep 20, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total bond index or 5 yr CD?
Replies: 14
Views: 911

Re: Do I Really Need a Million Bucks?

I for one am retired with far less tha a million and I am doing well. I think fear is a bigger obstacle than not having a million bucks to leading a good life. Share your stories, give people hope not worries. Please share your income sources and age. I can say that I don't have a pension, nor am I...
by livesoft
Sat Sep 20, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Do I Really Need a Million Bucks?
Replies: 50
Views: 2642

Re: Student Loan vs 401k dilemma

1. Stop contributing the $6,000 a year to a 529 plan until you pay off student loan AND contribute maximum to your 401(k) plan. 2. Stop paying extra on the mortgage until you pay off student loan AND contribute maximum to your 401(k) plan. I am not in the 28% tax bracket, so your income has to be wa...
by livesoft
Sat Sep 20, 2014 1:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Student Loan vs 401k dilemma
Replies: 11
Views: 494

Re: We have a grocery problem... [Household budget]

One can get plenty of calories cheaply with the ol' favorite: red beans and rice. Or black beans and rice. Or any beans and rice. If you eat a lot of beans and rice, your biome in your gut will adjust. I suspect though that if you took a photo of your grocery cart just before checking out and posted...
by livesoft
Sat Sep 20, 2014 1:38 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 92
Views: 5055

Re: Handling a car crash (non-injury)

If you tow it to your driveway, I guess it will get towed away from your driveway at additional cost.
by livesoft
Sat Sep 20, 2014 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Handling a car crash (non-injury)
Replies: 8
Views: 401

Re: Do I need to send in estimated tax????

@placeholder, the site was a place to help one figure out and pay estimated taxes. They charged a sub-$10 fee to do so. I doubt the site was nefarious, but why pay money when one can pay the IRS directly without a fee. I suppose they could say they were helping one with a calculator. Even the IRS ne...
by livesoft
Sat Sep 20, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need to send in estimated tax????
Replies: 31
Views: 1688

Re: Portfolio recommendations ?

You've read the books. You've read the forum. Why not try your hand at this and present your own answer for folks to comment on? Basically, you are all cash now and want a 3-fund portfolio, so please propose one for us to comment on. I don't see what's stopping you from doing that right now.
by livesoft
Fri Sep 19, 2014 10:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio recommendations ?
Replies: 7
Views: 347

Re: Do I need to send in estimated tax????

What is so hard about making estimated quarterly payments? Send a check or do it on line 4 times a year. If you have a refund from previous year that should take care of the 1st payment - no special payment involved at all. Nothing is hard about it, except in the OP's case, they cannot go back in t...
by livesoft
Fri Sep 19, 2014 10:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need to send in estimated tax????
Replies: 31
Views: 1688

Re: When did you feel "Out of the Woods"?

I started my sophomore year in college. I knew that I would never ever go back and live with my folks ever again. I had no car, a $600 school loan, a 20+ hour a week job as a custodian, enough money for next semester's tuition, my own stereo system, and I was on my own. I knew I had made it.
by livesoft
Fri Sep 19, 2014 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: When did you feel "Out of the Woods"?
Replies: 32
Views: 3262

Re: Professional gambler in unique investment situation

A few other professional gamblers have asked similar questions on the forum. One might wish to search for those threads and see what your compatriots have done. For instance: http://www.bogleheads.org/forum/viewtopic.php?t=1365 http://www.bogleheads.org/forum/viewtopic.php?t=56219 http://www.boglehe...
by livesoft
Fri Sep 19, 2014 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Professional gambler in unique investment situation
Replies: 7
Views: 1292

Re: We have a grocery problem... [Household budget]

Maybe you should go out to eat more often? Or do take out. It might be cheaper. For us, Chinese takeout is about $30, but we don't eat everything at one meal. The $30 would be 6 adult meals. We dine in our favorite Tex-Mex place and not counting margaritas, $30 with a to-go box would be $30 and also...
by livesoft
Fri Sep 19, 2014 8:57 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 92
Views: 5055

Re: College Funds

What if the kid starts school, goes 2 years, drops out, goes vagabonding, decides to go back to school, travels some more, and back to school, and ….? :)
by livesoft
Fri Sep 19, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: College Funds
Replies: 13
Views: 707

Re: A safe full of cash

When I think of emergency preparedness, I know that I have found myself in hurricanes such as Sandy, Rita, Ike, et al. and in tornadoes, and in floods. So far, I have not had any problems simply sheltering in place and waiting even without electricity as long as I have water (easy to prepare for). W...
by livesoft
Fri Sep 19, 2014 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: A safe full of cash
Replies: 22
Views: 2977

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

It's been a while since I explored that topic and I don't want to give misinformation and I don't want to go research for information again. I hope you can understand that I am not a walking encyclopedia (wikipedia?) with infinite real-time knowledge on everything.
by livesoft
Fri Sep 19, 2014 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 58
Views: 3440

Re: College Funds

If you are going to retire in your 40's and only withdraw 2.5% annually at that time, you will have plenty of assets to pay for any of your children's education without any problems. I just don't think it is something to worry about.
by livesoft
Fri Sep 19, 2014 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: College Funds
Replies: 13
Views: 707

Re: Need help with reinvesting chunk of cash

FSGDX does already contain emerging markets, so if you bought some FPMAX, then you would probably be overweighting emerging markets. Is that what you want to do? Why VTI instead of Fidelity's FSTVX? Just because you already have some? I don't see 10% in bonds that you wrote about. ?? (In your Roth, ...
by livesoft
Fri Sep 19, 2014 10:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Need help with reinvesting chunk of cash
Replies: 3
Views: 360

Re: cost of raising a child by age group

^Now that's a nice summary. It seems like in some circumstances that with child tax credit, dependent-care tax credit, hand-me downs, etc that the cost of raising a child might be very close to zero.
by livesoft
Fri Sep 19, 2014 9:40 am
 
Forum: Personal Consumer Issues
Topic: cost of raising a child by age group
Replies: 26
Views: 1684

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

Unfortunately, there are no TrueCar Certified Lexus Dealers near you . This is very odd since there are two huge Lexus dealers here in town. You should probably look up what "TrueCar Certified" means. I think you might be surprised at first, but afterwards you should understand why a Lexu...
by livesoft
Fri Sep 19, 2014 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 58
Views: 3440

Re: College Funds

When they graduate from college, how old will you be and will you still be working? What will your income be? For now a 529 plan with 50/50 allocation is as good as any plan. There are a number of threads on college funds. Here is just one of them: http://www.bogleheads.org/forum/viewtopic.php?f=10&...
by livesoft
Fri Sep 19, 2014 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: College Funds
Replies: 13
Views: 707

Re: cost of raising a child by age group

Childcare for 18-24 month olds nowadays at the local YMCA where my children were in daycare is now $666 to $740 a month for M-F. For 24-36 months the cost is $625 to $695 a month. It's less expensive if your employer has a corporate YMCA membership. I think staff tenure is one measure of a good dayc...
by livesoft
Fri Sep 19, 2014 8:22 am
 
Forum: Personal Consumer Issues
Topic: cost of raising a child by age group
Replies: 26
Views: 1684

Re: Tax Preparation Cost

Workinghard wrote:
livesoft wrote:
LadyGeek wrote:Tax preparation fees are deductible, see: Publication 529 (2013), Miscellaneous Deductions.

That's not quite true and it irks me to read that.


It irks me when I hear the same about charitable contributions being deductible.

Good one. :)
by livesoft
Thu Sep 18, 2014 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Preparation Cost
Replies: 19
Views: 1021

Re: [Why did my fund suddenly drop in value?]

But the answer is not always a dividend. :twisted: Remember last week and the REIT index fund VGSIX/VNQ: viewtopic.php?f=1&t=146804&p=2189498 ? Yes, it is really down more than 5% in the past few days.
by livesoft
Thu Sep 18, 2014 9:40 pm
 
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 84
Views: 7144

Re: Tax Preparation Cost

Tax preparation fees are deductible, see: Publication 529 (2013), Miscellaneous Deductions . That's not quite true and it irks me to read that. More strictly, outrageous tax preparation fees are deductible. No one should have such large tax prep fees that they become deductible. BUT … (there's alwa...
by livesoft
Thu Sep 18, 2014 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Preparation Cost
Replies: 19
Views: 1021

Re: Can you haggle with online brokers?

So did you research Sharebuilder on this site? How many people stopped using Sharebuilder after posting on this site? :twisted:
by livesoft
Thu Sep 18, 2014 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you haggle with online brokers?
Replies: 19
Views: 1438

Re: Do I need to send in estimated tax????

Yes, probably, but it depends. Do you meet one of the so-called "safe harbors" for paying taxes?
[Link removed. (I had the link for the text of safe harbor and not for anything else. No one should pay a fee to pay taxes.]
Why not have taxes withheld from your pension paychecks?
by livesoft
Thu Sep 18, 2014 7:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need to send in estimated tax????
Replies: 31
Views: 1688

Re: Need Pre-Retirement Investing Suggestions

With an HDHP, you are probably eligible for an HSA. You don't pay FICA/medicare taxes on employer HSA contributions, so that is something to definitely check out.
by livesoft
Thu Sep 18, 2014 7:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Pre-Retirement Investing Suggestions
Replies: 4
Views: 673

Re: Australia and New Zealand

I flew from Sydney to Ayers Rock and rented a car there. The car gave me time to explore the area on my own and at my own pace instead of booking tours at specific times.

I've been to Australia now 3 times and I would go again and again.
by livesoft
Thu Sep 18, 2014 6:52 pm
 
Forum: Personal Consumer Issues
Topic: Australia and New Zealand
Replies: 29
Views: 1972

Re: Tax Preparation Cost

I used TurboTax deluxe just last month to file my 2013 return. It cost about $45 I think with a state tax return, too. I had a Form 1040, Schedules B, C, D, E, SE, a 1116, education credits, HSA thing, a few other things, and a K-1, but no Schedule A.
by livesoft
Thu Sep 18, 2014 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Preparation Cost
Replies: 19
Views: 1021

Re: Bonds in portfolios ??

So are you saying you have lots of bonds in your portfolios? Lots of folks think bonds are aggressive nowadays.

A portfolio with a mix of stocks and bonds has a better risk-adjusted return of portfolios with just stocks or just bonds. Of course, a key modified there is "risk-adjusted".
by livesoft
Thu Sep 18, 2014 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds in portfolios ??
Replies: 11
Views: 770

Re: Invest in Betterment or Bank for 4 years.

Yep, a lower minimum fund makes more sense to me. What was the reasoning behind selecting a $10,000 fund in the first place? And the things (ETFs) that Betterment offers can be purchased at Vanguard for no commission anyways, so you can invest at Vanguard which it seems is what you wish to do withou...
by livesoft
Thu Sep 18, 2014 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest in Betterment or Bank for 4 years.
Replies: 9
Views: 577

Re: New and Trying to Make Good Decisions

What a great first post. Someone has done their homework.

I can only put another plug into the Backdoor Roth thing. And perhaps the HSA thing if you all eligible.
by livesoft
Thu Sep 18, 2014 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: New and Trying to Make Good Decisions
Replies: 17
Views: 1127

Re: Bonds in portfolios ??

Yes, they do. Why do YOU think they would not have a place in portfolios. Or maybe you do think they have a place. What's your opinion?
by livesoft
Thu Sep 18, 2014 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds in portfolios ??
Replies: 11
Views: 770

Re: What books next?

I'd suggest a book with a behavioral finance slant next.

Why Smart People Make Big Money Mistakes, Gilovich & Belsky
or Swedroe's Investment Mistakes Even Smart Investors Make ….

Or a mix:
Swedroe's The Only Guide You'll Ever Need for the Right Financial Plan:
by livesoft
Thu Sep 18, 2014 2:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: What books next?
Replies: 12
Views: 834

Re: What is the best balance transfer card?

I love those responses to try the Slate card. The OP said they already have a Slate card, but I guess there is no harm in getting another one or two or three. However, a general rule of balance transfers is that one cannot transfer balances from the same company to a new card at that company.
by livesoft
Thu Sep 18, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the best balance transfer card?
Replies: 12
Views: 367

Re: Holding Cash because Tried to time Market

[…]Would you do that? Why or why not? The "why not", is that I am investing into the market with all of my assets when stocks/bonds are historical highs, which wouldn't be my first choice; even if the market made a minor correction, I would be more comfortable jumping in. While obvious to...
by livesoft
Thu Sep 18, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Holding Cash because Tried to time Market
Replies: 76
Views: 5534

Re: What is the best balance transfer card?

My experience is that these offers come in the mail all the time and that no one else seems to get them. For instance, USAA, Fidelity Amex, Chase Mastercard, Citibank Visa, whatever. That is, they seem to be private offers to folks who don't need them and you won't find them with a google search. Ha...
by livesoft
Thu Sep 18, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the best balance transfer card?
Replies: 12
Views: 367

Re: new 401k offerings FSEVX and VFWAX - good for a 3funder

VFWAX is FTSE all-world ex-US, so it is a very good international index fund (I own the ETF share class VEU). I would switch from AEPGX to it myself. You would be missing small cap foreign stocks with either fund. I do own FUSVX and FSEVX in my 401(k) which together have all the US equities. So I wo...
by livesoft
Thu Sep 18, 2014 12:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: new 401k offerings FSEVX and VFWAX - good for a 3funder?
Replies: 6
Views: 425

Re: Australia and New Zealand

Australia is a little smaller than the US so you can imagine how much of the US one could see in 3-4 weeks. not too much. Right, so Australia is about the same size as the US, but most of it is essentially uninhabited, so if you neglect those parts except for Uluru, then it is about the size of a t...
by livesoft
Thu Sep 18, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Australia and New Zealand
Replies: 29
Views: 1972

Re: Australia and New Zealand

It is trivial to get Australia entry visa on the web if you have a non-Amex credit card.
by livesoft
Thu Sep 18, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Australia and New Zealand
Replies: 29
Views: 1972

Re: Retiree Next Door

caroljm36 wrote:As I said elsewhere, the new three-legged stool of retirement is social security, 401k/IRA and a paid off house. :sharebeer

Ha! I thought that all one needed for retirement was a working younger spouse.
by livesoft
Thu Sep 18, 2014 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Retiree Next Door
Replies: 26
Views: 4264

Re: Help! Are we making a huge mistake?

I don't see how we can give any advice because the deciding factors are probably not monetary. That said, I would watch out with a new company. Sometimes they disappear too soon after they have overpromised. I have no way to judge this particular new company, but I can promise someone $5 million or ...
by livesoft
Thu Sep 18, 2014 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Help! Are we making a huge mistake?
Replies: 38
Views: 4118

Re: Why Not Buy Vanguard ETFs Through Schwab?

I'm a little confused about something that I hope someone can clarify for me. If you can buy EVERYTHING Vanguard offers, plus EVERYTHING Schwab offers, at Schwab, why wouldn't you open your account at Schwab and then you could pick and choose your Schwab and Vangard ETFs/index funds at will? You mi...
by livesoft
Thu Sep 18, 2014 9:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Why Not Buy Vanguard ETFs Through Schwab?
Replies: 18
Views: 1765

Re: Most cost effective means of protecting physical assets

If intruders came into our house to steal something, they would be sorely disappointed because there is really nothing of value in our home. I would not be surprised if after seeing the inside of our home, that the perps didn't go next door and steal some things to put in our house. So a cost effect...
by livesoft
Thu Sep 18, 2014 9:53 am
 
Forum: Personal Consumer Issues
Topic: Most cost effective means of protecting physical assets
Replies: 50
Views: 3924

Re: Who else hates choosing a car?

@mbk734, I think you have to admit that a Lexus RX is really a mom-mobile and not a guy's macho luxury vehicle or sports car. :)
by livesoft
Thu Sep 18, 2014 8:09 am
 
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 95
Views: 8139

Re: please analyze portfolio and suggest improvement

1. Leave Scottrade ASAP. Of all the brokers, it seems to me to be the one with some of the least reasons for having money with them. You could use ETFs instead of mutual funds there, but you might as well use a financial firm that doesn't charge you any money. 2. VINIX is an S&P 500 index fund, ...
by livesoft
Thu Sep 18, 2014 7:57 am
 
Forum: Investing - Help with Personal Investments
Topic: please analyze portfolio and suggest improvement
Replies: 5
Views: 476

Re: 3 fund w/Fidelity

bowtie wrote:What is the advantage of the more expensive one?

It is more "total" in that it has emerging markets stocks and some small-caps. FSIVX is a large-cap developed markets (EAFE) fund and excludes Canada.
by livesoft
Wed Sep 17, 2014 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 fund w/Fidelity
Replies: 7
Views: 787
Next

Return to advanced search