Search found 34647 matches

Return to advanced search

Re: Freakonomics approach to 401(k) choices

I would go check your numbers first.

What if 2014 was more like 2008, then what would you do?
by livesoft
Sun Nov 23, 2014 4:23 pm
 
Forum: Investing - Theory, News & General
Topic: Freakonomics approach to 401(k) choices
Replies: 9
Views: 251

Re: My Health care monthly premiums doubled after ACA

Perhaps you did not have preventive care with no cost sharing in your previous plan?

One can do a web search on "ACA premiums doubled" for more insights, both non-political and political.
by livesoft
Sun Nov 23, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 17
Views: 761

Re: Help Creating the most tax efficient allocation with $10

Maybe you don't want the most tax efficient since that's easy: Buy something that will lose value and hopefully, go to zero. Great tax dedution means most tax efficient. Also what is tax efficient to me is probably different from what is tax efficient to you because it will depend on our respective ...
by livesoft
Sun Nov 23, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Creating the most tax efficient allocation with $100k
Replies: 3
Views: 227

Re: 23 year old... Can I afford a Rolex?

Here is an article in the NYTimes today on the subject of Conspicuous Consumption not being crazy: http://www.nytimes.com/2014/11/23/upshot/conspicuous-consumption-yes-but-its-not-crazy.html It even mentions a watch. The readers' comments are great. Be sure to sort on Recommended. Also maybe Rolex d...
by livesoft
Sun Nov 23, 2014 12:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 23 year old... Can I afford a Rolex?
Replies: 108
Views: 4914

Re: Simplifying my portfolio

You seem to know what you want. Looks fine to me. Do it.
by livesoft
Sun Nov 23, 2014 12:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simplifying my portfolio
Replies: 3
Views: 230

Re: How should wife counter salary offer within current co.?

Will she be hiring people that work for her in the future? She may wish to "interview" the HR folks to find out how they will help her attract qualified people and how they decide what a fair (yet attractive) compensation for such folks would be. (@downshiftme, I appreciate your additional...
by livesoft
Sun Nov 23, 2014 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 39
Views: 2840

Re: Bumped out of first class at boarding - compensation?

Miles refunds can take a long time … maybe 60 days or more.

How was Maui?
by livesoft
Sun Nov 23, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 29
Views: 1382

Re: Retirement around the corner, seeking advice on getting

I think the Fidelity Retirement Income Planner (RIP) is probably what you used. It gives results consistent with http://www.firecalc.com and http://www.cfiresim.com I think one should run at least these 3 retirement calculators and see what they say for themselves. 1. You can believe the forecasting...
by livesoft
Sun Nov 23, 2014 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement around the corner, seeking advice on getting hous
Replies: 13
Views: 729

Re: Saving Strategy For a Young Person?

I wish to re-iterate that I am not writing that one should invest in taxable in lieu of tax-advantaged accounts. I think one should make the maximum tax-deductible contributions possible to traditional 401(k), 403(b), and such first. And also one should contribute to a Roth IRA before contributing t...
by livesoft
Sun Nov 23, 2014 9:52 am
 
Forum: Investing - Theory, News & General
Topic: Saving Strategy For a Young Person?
Replies: 14
Views: 984

Re: How to Guarantee a Purchase Happens on a Particular Day?

And 12/30/2014 might be a better day to purchase since one may wish to sell on 12/31/2015 and qualify for long-term capital gains tax rates.
by livesoft
Sun Nov 23, 2014 8:51 am
 
Forum: Investing - Help with Personal Investments
Topic: How to Guarantee a Purchase Happens on a Particular Day?
Replies: 5
Views: 449

Re: Saving Strategy For a Young Person?

What is his best strategy to leverage his earned income to maximize his tax-advantaged retirement savings? Maybe he shouldn't be so concerned with maximizing his tax-advantaged retirement savings. Maybe simply maximizing savings or maximizing retirement savings is better. I guess the word "tax...
by livesoft
Sun Nov 23, 2014 7:34 am
 
Forum: Investing - Theory, News & General
Topic: Saving Strategy For a Young Person?
Replies: 14
Views: 984

Re: How should wife counter salary offer within current co.?

@downshiftme, your post is nice and says to lower expectations (at least I interpret it that way). But it does not say do not negotiate nor does it say do not ask for higher compensation. I have told people working for me that "Nope, no increase in salary. It is what it is. We can review at nex...
by livesoft
Sat Nov 22, 2014 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 39
Views: 2840

Re: Why the differences between VBTLX and BND?

By definition, open-ended mutual fund shares are bought/sold at their NAV (net asset value), so there can be no premium nor discount of the share price to the NAV. The NAV calculation is probably not perfect nor exact as well, but it is what it is at the end of the trading day and that's what the op...
by livesoft
Sat Nov 22, 2014 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why the differences between VBTLX and BND?
Replies: 9
Views: 717

Re: Learning to Type

"Hello. My name is Inigo Montoya. You killed my father. Prepare to type."
by livesoft
Sat Nov 22, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: Learning to Type
Replies: 14
Views: 1645

Re: Making money/career in Trading

Trading doesn't have much to do with probability either.
by livesoft
Sat Nov 22, 2014 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: Making money/career in Trading
Replies: 21
Views: 1433

Re: 23 year old... Can I afford a Rolex?

Get the best watch for $5,000
viewtopic.php?t=27707


Since you only make $10,000 a year, I don't think you can afford it.
by livesoft
Sat Nov 22, 2014 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: 23 year old... Can I afford a Rolex?
Replies: 108
Views: 4914

Re: How should wife counter salary offer within current co.?

I once interviewed for a job that my friend was leaving. I called my friend up and asked him all about it. I probably knew more about the job than the folks hiring his replacement. I got an offer from the company, but did not take it. The spouse in this thread might want to talk to the person leavin...
by livesoft
Sat Nov 22, 2014 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 39
Views: 2840

Re: Making money/career in Trading

Here is what I think of trading:
viewtopic.php?f=10&t=150425&newpost=2251642

Maybe you are watching these people lose money on the BBC, too?

Also please read Nate Silver's "The Signal and the Noise". He played poker professionally, too.
by livesoft
Sat Nov 22, 2014 3:34 pm
 
Forum: Investing - Theory, News & General
Topic: Making money/career in Trading
Replies: 21
Views: 1433

Re: After Tax Contributions to 401k???

Leeraar wrote:Maybe that's not such a good idea?

My take is that there are much better ideas unless the after-tax money in the 401(k) can get into a Roth right away.
by livesoft
Sat Nov 22, 2014 2:50 pm
 
Forum: Investing - Theory, News & General
Topic: After Tax Contributions to 401k???
Replies: 16
Views: 1247

Re: Are VTI, VOO and VT too similar in their top weightings?

There is no reason to own VTI and VOO since every stock in VOO is found in VTI. There is no reason to own VT and VTI since every stock in VTI is in VT. There is no reason to own VT and VXUS since every stock in VXUS is in VT. What is your purprose in buying more than just VT? I can think of a number...
by livesoft
Sat Nov 22, 2014 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are VTI, VOO and VT too similar in their top weightings?
Replies: 7
Views: 629

Re: Why I will fund retirement with TIPs ladder no matter wh

Although not relevant to the point, since you ask, it was sent to me by a friend who works for a big institutional broker. Thanks for the response. Sometimes we seek out articles that confirm our biases. Have you the books of Zvi Bodie about TIPS, such as "Worry Free Investing?" I found t...
by livesoft
Sat Nov 22, 2014 2:26 pm
 
Forum: Investing - Theory, News & General
Topic: Why I will fund retirement with TIPs ladder no matter what
Replies: 46
Views: 2661

Re: Learning to Type

hoppy08520 wrote:I'm impressed with your right pinkie. Twice as fast as the other 9 digits.

Maybe I have 6 fingers on that hand?
by livesoft
Sat Nov 22, 2014 2:21 pm
 
Forum: Personal Consumer Issues
Topic: Learning to Type
Replies: 14
Views: 1645

Re: How should wife counter salary offer within current co.?

There are plenty of books with chapters on negotiation and negotiating salaries and job offers. The library is open today.
by livesoft
Sat Nov 22, 2014 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 39
Views: 2840

Re: After Tax Contributions to 401k???

Oh, I did not know we were talking about your specific situation. I thought we were helping people who might be considering adding money after-tax now to their 401(k)s.
by livesoft
Sat Nov 22, 2014 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: After Tax Contributions to 401k???
Replies: 16
Views: 1247

Re: Using Bond Funds for market pullbacks

Hmmm, did you check your rebalancing bands or anything like that? ..., so the only available cash on a quick pullback would be my bond fund. And? Are you not basically proposing to rebalance from bond fund to equity fund in original post? I'm just curious why you didn't do it this past October. If ...
by livesoft
Sat Nov 22, 2014 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: Using Bond Funds for market pullbacks
Replies: 19
Views: 725

Re: After Tax Contributions to 401k???

I am not so sure about this assertion (my emphasis added). In a taxable account you get taxable distributions and have to pay taxes along the way. In a 401k those gains are not taxed until withdrawal, maybe decades later. Taxable distributions when invested tax-efficiently are really quite small an...
by livesoft
Sat Nov 22, 2014 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: After Tax Contributions to 401k???
Replies: 16
Views: 1247

Re: Using Bond Funds for market pullbacks

I totally approve. Be sure to post in this thread when you make each trade. We want to keep you really honest. Oh, last month in the market pullback, I exchanged from a bond fund into an equity fund. Twice. What did you do? I stayed the course on the 10% pullback, but it got me to thinking about th...
by livesoft
Sat Nov 22, 2014 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: Using Bond Funds for market pullbacks
Replies: 19
Views: 725

Re: best bank for online billpay

I was going to say WellsFargo because WellsFargo online bill pay always works great for me. I've not had a time-out or any computer problems like that. So WF has all the criteria you ask for, but apparently only for me.
by livesoft
Sat Nov 22, 2014 12:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: best bank for online billpay
Replies: 21
Views: 1149

Re: Using Bond Funds for market pullbacks

I totally approve. Be sure to post in this thread when you make each trade. We want to keep you really honest.

Oh, last month in the market pullback, I exchanged from a bond fund into an equity fund. Twice. What did you do?
by livesoft
Sat Nov 22, 2014 12:53 pm
 
Forum: Investing - Theory, News & General
Topic: Using Bond Funds for market pullbacks
Replies: 19
Views: 725

Re: I Borrowed Against my 401K

I'm a newbie boglehead but I'm curious why no one mentioned using the additional $600 to pay down the mortgage. Because everyone has pointed out the risk of having the 401(k) loan called for immediate payment. Sure, the risk is probably low, but it is not zero. This risk is not reflected in the int...
by livesoft
Sat Nov 22, 2014 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: I Borrowed Against my 401K
Replies: 18
Views: 1679

Re: Tell me about FitBit - is it worth having?

If one got one of those little scooters, that dog could pull you along.
by livesoft
Sat Nov 22, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: Tell me about FitBit - is it worth having?
Replies: 27
Views: 2361

Re: Moving current 401k funds into brokerage link?

It would be higher commission to buy Vanguard mutual funds at Fidelity.

For your asset allocation, why not simply copy what is inside your VTTSX and mimic that with those low-expense-ratio index funds in your 401(k).

Good job on the contributions getting to $17.5K over the next 5 weeks.
by livesoft
Sat Nov 22, 2014 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving current 401k funds into brokerage link?
Replies: 23
Views: 961

Re: Moving current 401k funds into brokerage link?

If you had made the exact same dollar investments on the exact same dates in the VTTSX fund, then would you have $1176 now as well? Or maybe $1128? Presumably you did not invest $1169 all at once 6 months ago, but put some in with each paycheck, right? Be sure to copy those kinds of dates. The price...
by livesoft
Sat Nov 22, 2014 8:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving current 401k funds into brokerage link?
Replies: 23
Views: 961

Re: Why I will fund retirement with TIPs ladder no matter wh

I'm curious how you found this article? Did you go looking for it? Do you subscribe to investment newsletters? Do you have a financial advisor feeding you articles? Something your broker had on its home page? Something your buddy at the coffee shop gave you?
by livesoft
Sat Nov 22, 2014 7:32 am
 
Forum: Investing - Theory, News & General
Topic: Why I will fund retirement with TIPs ladder no matter what
Replies: 46
Views: 2661

Re: What would be the investing strategy for a coming crash?

If you were certain the crash was coming: Options. Options. Options. That would be better than short-selling. And short-selling would be better than just going into bonds and oh so much better than buying gold. So are you going to put your money where your post is? Oh, Bogleheads will just stay the ...
by livesoft
Fri Nov 21, 2014 9:07 pm
 
Forum: Investing - Theory, News & General
Topic: What would be the investing strategy for a coming crash?
Replies: 49
Views: 3507

Re: I Borrowed Against my 401K

I had my spouse borrow from her 401(k) a few years ago in order to save expenses on her 401(k) funds while still keeping the "space" open. One danger is that if one may lose their job and need to pay back the loan right away. But we discovered another danger: Her company was sold and altho...
by livesoft
Fri Nov 21, 2014 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Borrowed Against my 401K
Replies: 18
Views: 1679

Re: Personal Tips for a New Father to Be

I wanted my daughter to grow up to be an independent thinking adult. So I never wanted to spend all my time and devotion on her. Thus, I don't think you should shift your focus from work. Indeed, you do not work enough as it is. You need to work more and apparently worry about the baby less. In the ...
by livesoft
Fri Nov 21, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Personal Tips for a New Father to Be
Replies: 22
Views: 1388

Re: How should wife counter salary offer within current co.?

It takes more money and time to recruit a successful candidate from outside. There is always the possibility that the outsider doesn't really fit since they are more an unknown quantity or won't stick it out. By recruiting me for this position from within, I realize the company saves lots of money a...
by livesoft
Fri Nov 21, 2014 7:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 39
Views: 2840

Re: Proposed Lifetime Retirement Investment Approach

Very interesting reply considering the history of 2007-2009. I certainly recovered very nicely from that debacle because I was not forced to buy bonds by some wacko asset allocation plan when stocks were on sale. And I retired early, too. I'm also well above my pre -great recession balance. For the...
by livesoft
Fri Nov 21, 2014 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Proposed Lifetime Retirement Investment Approach
Replies: 28
Views: 1977

Re: Can someone explain these emerging market funds

Or use the ETf instead (and ignore down days). :twisted:
by livesoft
Fri Nov 21, 2014 7:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can someone explain these emerging market funds
Replies: 4
Views: 412

Re: Tracking Error Aversion

I suffer from tracking error aversion, but perhaps differently than some folks mean. I am not worried about tracking error of individual funds (but see below*). I am worried about tracking error of my asset allocation. I have a slice-and-dice small-cap and value tilted portfolio that has been somewh...
by livesoft
Fri Nov 21, 2014 7:07 pm
 
Forum: Investing - Theory, News & General
Topic: Tracking Error Aversion
Replies: 3
Views: 360

Re: Can someone explain these emerging market funds

I think this has been discussed before and will try to find the thread. Basically, the ETF VWO seems to be out of sync even with VEMAX by plus or minus 1%.

Bottom line: Don't bother looking at VWO, Maybe look at VEMAX instead. :)
by livesoft
Fri Nov 21, 2014 6:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can someone explain these emerging market funds
Replies: 4
Views: 412

Re: How should wife counter salary offer within current co.?

Thank you for the offer, I think based on my experience and qualifications the fair compensation for this position should be higher. I think there are more responsibiliities that I could take on as well. The company should want and expect the person in this position to feel fairly compensated. That'...
by livesoft
Fri Nov 21, 2014 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 39
Views: 2840

Re: Seeking a Cellphone Change

You are asking about the configuration of your home with respect to the cell phone towers near your home. If their equipment is all located on the backside of a water tower or mountain from your home, then there is no cell provider that is going to work. Thus, it is all about your individual circums...
by livesoft
Fri Nov 21, 2014 5:33 pm
 
Forum: Personal Consumer Issues
Topic: Seeking a Cellphone Change
Replies: 16
Views: 1334

Re: Proposed Lifetime Retirement Investment Approach

Very interesting reply considering the history of 2007-2009. I certainly recovered very nicely from that debacle because I was not forced to buy bonds by some wacko asset allocation plan when stocks were on sale. And I retired early, too.
by livesoft
Fri Nov 21, 2014 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Proposed Lifetime Retirement Investment Approach
Replies: 28
Views: 1977

Re: After Tax Contributions to 401k???

There is no point in making after-tax contributions to a 401(k) unless the money gets into a Roth IRA almost right away. Otherwise, the gains on the after-tax money will be taxed at roughly double the tax rate one would pay by investing the same money in a taxable account instead. So from a tax pers...
by livesoft
Fri Nov 21, 2014 4:52 pm
 
Forum: Investing - Theory, News & General
Topic: After Tax Contributions to 401k???
Replies: 16
Views: 1247

Re: Thinking about retiring next year

It's all about having enough income to pay for expenses. There are some calculators to help one with that: http://www.firecalc.com http://www.cfiresim.com I didn't see where you mentioned the amount of your expenses in retirement, but maybe I read your post too fast. And then the other big question ...
by livesoft
Fri Nov 21, 2014 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thinking about retiring next year
Replies: 16
Views: 1930

Re: portfolio suggestions for the truly aged.

My mom was 100% stocks because bonds are so boring. It is possible there is nothing wrong with 100% stocks at her age. Can she meet her goals if stocks dropped in value by 50%? Probably, don'tcha think?
by livesoft
Fri Nov 21, 2014 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio suggestions for the truly aged.
Replies: 13
Views: 1161

Re: Carrying alternatives for phone, credit cards, money

I am down to one credit card, a drivers license, and a $20 bill for anything that doesn't involve an airport.

Unfortunately, the grade school cookie stand could not make change for the $20 and did not take a credit card. And they didn't have enough cookies left to add up to $20.
by livesoft
Fri Nov 21, 2014 3:48 pm
 
Forum: Personal Consumer Issues
Topic: Carrying alternatives for phone, credit cards, money
Replies: 10
Views: 628
Next

Return to advanced search