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Re: Quietest garage door and opener

The physics of vibration and sound suggests to me that it will be mostly about the installation and not the actual door nor opener.

We have some old beat-up garage door and opener (chain drive). The dog hears the door, but no one else does.
by livesoft
Mon Apr 27, 2015 8:28 am
 
Forum: Personal Consumer Issues
Topic: Quietest garage door and opener
Replies: 8
Views: 519

Re: Mother to move closer to family but farther from friends

After my dad died, my mom moved close to my sibling while my mom was still healthy enough to make new friends, get used to new doctors, a new church, and settle into her new surroundings. Her old friends flew across the country to visit her. Better to move now while healthy with ability to make new ...
by livesoft
Sun Apr 26, 2015 9:40 pm
 
Forum: Personal Consumer Issues
Topic: Mother to move closer to family but farther from friends?
Replies: 7
Views: 575

Re: how to ask friend my money back?

Maybe you have been going to parties the host has had for years without offering to bring food and/or without offering to bring drinks? I don't think I've been to a party where the guests do not contribute somehow, even if only a token gift like a 6-pack of beer or bottle of wine.
by livesoft
Sun Apr 26, 2015 8:02 pm
 
Forum: Personal Consumer Issues
Topic: how to ask friend my money back?
Replies: 17
Views: 1312

Re: Can you make trades directly between investments?

If one assumes that any trade is executed before submitting the next order, then … I'm trying to figure out the settlement date stuff for ETFs. So which of these scenarios would work: Scenario 1: Place sell order for VHT on Monday 2pm Place buy order for VTI on Tuesday 10am This works. Scenario 2: ...
by livesoft
Sun Apr 26, 2015 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you make trades directly between investments?
Replies: 11
Views: 528

Re: How hard is it to set up a solo 401k?

At what self-employed income level does a solo 401(k) make sense?
$500 annually?
$1,000?
$3,000?
$10,000?

Or at what low level of income does it not make sense?
by livesoft
Sun Apr 26, 2015 7:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: How hard is it to set up a solo 401k?
Replies: 10
Views: 862

Re: Poll Question: Vanguard vs Fidleity taxable brokerage

For taxable and dealing with tax lots.... Vanguard is a very POOR option. I would ONLY suggest that if you have most of your assets at Vanguard and didn't do specific id of tax lots (average cost is fine @Van). Fido is a clear winner for this type of requirements and given it's a brokerage, your bu...
by livesoft
Sun Apr 26, 2015 4:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll Question: Vanguard vs Fidleity taxable brokerage
Replies: 22
Views: 814

Re: Poll Question: Vanguard vs Fidleity taxable brokerage

^I was going to add that there were no dividends automatically reinvested in the previous 90 days as well. Furthermore, the prospectus states that the fee is imposed on a first-in, first-out basis anyways. The CSR and I looked at the document online together and remarked on the relevant text. See pa...
by livesoft
Sun Apr 26, 2015 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll Question: Vanguard vs Fidleity taxable brokerage
Replies: 22
Views: 814

Re: Poll Question: Vanguard vs Fidleity taxable brokerage

FSGDX has an early redemption fee for shares held less than 90-days. That's in the prospectus. But Fidelity imposed an early redemption fee when all shares had been held more than 90 days (i.e. no new purchases in the previous 90 days). When asked about it, they said (paraphrasing) "Very intere...
by livesoft
Sun Apr 26, 2015 3:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll Question: Vanguard vs Fidleity taxable brokerage
Replies: 22
Views: 814

Re: Why is international mid cap such an unloved asset class

^Right. One cannot go by a fund name. One has to look at what a fund holds. VSS is a very fine and much-loved mid/small-cap foreign fund. I own lots of shares of it.

OP, what international small-cap fund do you use? What fraction of it is actually small caps?
by livesoft
Sun Apr 26, 2015 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why is international mid cap such an unloved asset class?
Replies: 6
Views: 355

Re: Need to Rebalance

If you wish to replicate or approximate the total US stock market index fund from those 3 US equity funds, then please read this: http://www.bogleheads.org/wiki/Approximating_Total_Stock_Market Then you have to decide for yourself about your asset allocation between US equities, int'l equities, and ...
by livesoft
Sun Apr 26, 2015 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need to Rebalance
Replies: 2
Views: 171

Re: Taxable Brokerage Account - Vanguard Equivalent of Fidel

Jack FFR1846 wrote: Indeed, Fidelity's website is much easier to navigate and execute various tasks.

I was amused by the OPs thread about finding information on Fidelity's confusing web site: http://www.bogleheads.org/forum/viewtop ... 1&t=163915
by livesoft
Sun Apr 26, 2015 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable Brokerage Account - Vanguard Equivalent of Fidelity
Replies: 7
Views: 370

Re: Losing Sleep, Help with portfolio

Guardyourheart wrote:Scottrade has given me a great deal, lots of free trades, ...

Lots of places give free trades, so that is not a distinguishing characteristic nor advantage of Scottrade.
by livesoft
Sun Apr 26, 2015 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Losing Sleep, Help with portfolio
Replies: 18
Views: 2072

Re: Poll Question: Vanguard vs Fidleity taxable brokerage

I have accounts in many places. At Fidelity I have a 401(k), a joint taxable account, and inherited IRA. The latter two accounts arose for the convenience of the executor of an estate, but I didn't mind since I like to test out various financial vendors and see what they are like. Also we use the Fi...
by livesoft
Sun Apr 26, 2015 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll Question: Vanguard vs Fidleity taxable brokerage
Replies: 22
Views: 814

Re: Taxable Brokerage Account - Vanguard Equivalent of Fidel

I think it is wise to use Vanguard instead of Fidelity. We have more of our assets at Fidelity than at Vanguard, but the Fidelity assets are tax-advantaged. I have noticed that those Fidelity index funds pay out capital gains distributions when the Vanguard ones have not. I have noticed underperform...
by livesoft
Sun Apr 26, 2015 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable Brokerage Account - Vanguard Equivalent of Fidelity
Replies: 7
Views: 370

Re: TD Ameritrade user? Question regarding selling Free ETF

zero shares for no commission, but you can sell any and all for $20. It won't matter if you specify the earlier shares for sale, you will still be charged the $20.
by livesoft
Sun Apr 26, 2015 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: TD Ameritrade user? Question regarding selling Free ETFs
Replies: 4
Views: 256

Re: Cost to deliver a baby today?

a2_alice wrote:I'm due with our first baby tomorrow.

All the best. May your child(ten) bring you joy and happiness for the rest of your lives.
by livesoft
Sun Apr 26, 2015 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Cost to deliver a baby today?
Replies: 23
Views: 1407

Re: Car Accident - Honda Civic for Replacement?

I thought everyone was getting a hybrid Subaru Outback nowadays.
by livesoft
Sun Apr 26, 2015 11:41 am
 
Forum: Personal Consumer Issues
Topic: Car Accident - Honda Civic for Replacement?
Replies: 12
Views: 831

Re: Cost to deliver a baby today?

Last child born in mid-90's cost a $20 co-pay. I never saw an actual bill. I cut the umbilical cord, changed the first diaper, etc. Mom and baby spent one night in hospital and came home.
by livesoft
Sun Apr 26, 2015 11:38 am
 
Forum: Personal Consumer Issues
Topic: Cost to deliver a baby today?
Replies: 23
Views: 1407

Re: Kitces on Asset Location

Perhaps http://www.i-orp.com can be made to do what you want? I know that I will not be paying any capital gains taxes for many many years to come due to carryover losses. I also know that I will not be paying any taxes to do any rebalancing. I will be paying taxes on dividend income unless I can pa...
by livesoft
Sun Apr 26, 2015 11:34 am
 
Forum: Investing - Theory, News & General
Topic: Kitces on Asset Location
Replies: 20
Views: 1487

Re: Portfolio Optimization software program - Recommendation

I am unaware of something that does that although Personal Capital might do something like that. It does seem like something should be available since lots of articles talk about the efficient frontier. OTOH, I question the validity of such an idea. The error bars would be so large as to make the re...
by livesoft
Sun Apr 26, 2015 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Optimization software program - Recommendations?
Replies: 3
Views: 221

Re: Spend down Strategy for College Funds

A-Commoner wrote:Can we then use the 529 funds to pay off the credit card company?

Of course.
by livesoft
Sun Apr 26, 2015 10:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Spend down Strategy for College Funds
Replies: 10
Views: 794

Re: Kitces on Asset Location

I thought his takeaway was in the third paragraph: "it turns out that almost any level of portfolio turnover will eventually tilt equities towards being held in IRAs given a long enough time horizon (and especially while today’s low interest rates result in almost no benefit for bonds to gain ...
by livesoft
Sun Apr 26, 2015 10:51 am
 
Forum: Investing - Theory, News & General
Topic: Kitces on Asset Location
Replies: 20
Views: 1487

Re: Vanguard Portfolio + Tax Concerns

I think we need a reset on the advice. The Rollover IRA will not conflict with having a non-deductible Traditional IRA for backdoor Roth conversion. You can't do both a 401k and a deductible Traditional IRA. That doesn't seem like an issue. At least that is my understanding. Let see what folks say ...
by livesoft
Sun Apr 26, 2015 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio + Tax Concerns
Replies: 13
Views: 814

Re: Cost to replace a side view mirror

It's a 2005 car, so matching color (of the plastic) is out of the question. You DON'T want to match anything. It will give your car more character. This reminds me of the time my spouse broke the mirror while backing out of the garage. We were going on a beach trip that morning, too. While filling t...
by livesoft
Sun Apr 26, 2015 10:34 am
 
Forum: Personal Consumer Issues
Topic: Cost to replace a side view mirror
Replies: 21
Views: 1012

Re: Kitces on Asset Location

Another thread on the same article: https://bogleheads.org/forum/viewtopic.php?f=10&t=164240 It is interesting that the takeaway I got was the opposite of what you stated, but maybe you meant something else. Or maybe I read it wrong. My takeaway was do not invest tax-inefficiently in a taxable a...
by livesoft
Sun Apr 26, 2015 7:25 am
 
Forum: Investing - Theory, News & General
Topic: Kitces on Asset Location
Replies: 20
Views: 1487

Re: does anyone have an hour commute (each way?)

Never did the long commute. All my jobs were within walking or cycling distance from 300 yards to 3 miles. There is something about being able to walk home for lunch and to walk the kids to school, then go to work. Commute time has always been the number one criteria for my jobs over the years. The ...
by livesoft
Sat Apr 25, 2015 10:59 pm
 
Forum: Personal Consumer Issues
Topic: [new position, facing an] hour commute (each way)
Replies: 47
Views: 2181

Re: Losing Sleep, Help with portfolio

It seems to me that if you are losing sleep, then you should: Sell all funds and stocks (keep the muni bonds for now) and buy a Vanguard LIfeStrategy or Target Retirement fund with ALL your money in ALL your accounts. I would move all assets from Scottrade myself. You did not tell us what your optio...
by livesoft
Sat Apr 25, 2015 10:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Losing Sleep, Help with portfolio
Replies: 18
Views: 2072

Re: Minimizing penalties when transferring funds

Actively-managed funds often do not have the unrealized capital gains that one might think. This is because much of the gains have been paid out annualliy as distributions and one got taxed on them already. So first figure out what are the unrealized gains and whether they are short-term or long-ter...
by livesoft
Sat Apr 25, 2015 9:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Minimizing penalties when transferring funds
Replies: 7
Views: 552

Re: My New Car Buying Tips

My sister is looking for a specific colored Passat with specific color interior with navigation and sun roof. I could only locate 2 VIN #s of her requirements out of hte 10 or so region VW dealers. Because of the lack of supply, I am not sure if there is really room to negotiate, unlike a Civic whe...
by livesoft
Sat Apr 25, 2015 9:48 pm
 
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 95
Views: 15587

Re: Tilting

Because sometimes small-caps and value do not outperform the S&P500?

https://www.callan.com/research/files/989.pdf

Also, tilting requires buying low. Maybe they buy high?

Tilting requires rebalancing. Maybe they just do buy and hold?
by livesoft
Sat Apr 25, 2015 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: Tilting
Replies: 37
Views: 1864

Re: Spend down Strategy for College Funds

Another strategy is to use a 2% cash-back credit card to pay anything you can. My son's college accepts credit cards for the full payment with no added fees.
by livesoft
Sat Apr 25, 2015 8:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spend down Strategy for College Funds
Replies: 10
Views: 794

Re: Spend down Strategy for College Funds

Use some of everything every year. You will want to get the AOTC each year if you can. Use the 529 plan to pay for room & board for instance. Also consider not even spending the taxable account money on college. Instead, see if you can just pay from regular job earnings if you are still working....
by livesoft
Sat Apr 25, 2015 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spend down Strategy for College Funds
Replies: 10
Views: 794

Re: Rebalancing taxable account :: capital gains :(

Yes..the taxable account is at Schwab (being moved this week to Vanguard). When I signed on with this FA, she used Schwab Advisor as a way to consolidate all her client's accounts. I checked Vanguard, where about 1/2 of the taxable account has been moved and there is no cost basis there in reports....
by livesoft
Sat Apr 25, 2015 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing taxable account :: capital gains :(
Replies: 10
Views: 940

Re: Vanguard Portfolio + Tax Concerns

Your tradtional IRA will interfere with your backdoor Roth IRA thing in a big way. Do you understand why? No. I don't. Can't I use an empty 'Traditional IRA' account (different than the Rollover IRA account) to invest $5,500 in, after tax? Then roll it over? Yes, you can do the rollover conversion ...
by livesoft
Sat Apr 25, 2015 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio + Tax Concerns
Replies: 13
Views: 814

Re: Rebalancing taxable account :: capital gains :(

It is rather interesting that the taxable account (at Schwab?) has no Schwab funds, but does have Vanguard and TRowePrice funds. That's weird to me, but maybe there is some history there. Also weird is that large allotment to short-term investment grade bond fund in a taxable account. It may not hav...
by livesoft
Sat Apr 25, 2015 5:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing taxable account :: capital gains :(
Replies: 10
Views: 940

Re: What I learned at my mandatory employee 403(b) info meet

[ When you raise too much of a stink about something you often don't even know who you might be getting crosswise with as a result. Years ago, my employer's 401(k) plan was administered by the local politician who was State Representative, then State Senator, then a lobbyist specializing in the Sta...
by livesoft
Sat Apr 25, 2015 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: What I learned at my mandatory employee 403(b) info meeting
Replies: 41
Views: 3587

Re: Vanguard Portfolio + Tax Concerns

Your tradtional IRA will interfere with your backdoor Roth IRA thing in a big way. Do you understand why? I don't think you will be doing the backdoor Roth thing as long as this rollover IRA exists. What funds are available in the new 401(k)? I would roll the traditional IRA into the new 401(k) if p...
by livesoft
Sat Apr 25, 2015 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio + Tax Concerns
Replies: 13
Views: 814

Re: Compare total return from different companies

If one doesn't want to use a chart, then one can use the "Performance" tab instead.
by livesoft
Sat Apr 25, 2015 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: Compare total return from different companies
Replies: 6
Views: 260

Re: Is the 1% Cost of Managing Money Worth It?

Most of the costs to on-board a client occur in the beginning. This is true for cable companies, alarm companies, phone companies, credit card companies, etc. 1% is a nice easy number, too. It may not reflect any real relation to the costs. 2% would be an even nicer easier number to some folks. Is 1...
by livesoft
Sat Apr 25, 2015 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is the 1% Cost of Managing Money Worth It?
Replies: 51
Views: 3748

Re: What I learned at my mandatory employee 403(b) info meet

^A colleague of mine (PhD in Physics) asked for index funds to be added to our 401(k) plan … which already had index funds for a few years at the time.
by livesoft
Sat Apr 25, 2015 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: What I learned at my mandatory employee 403(b) info meeting
Replies: 41
Views: 3587

Re: Rebalancing taxable account :: capital gains :(

Maybe use the "Code" button to reformat since it then uses a monospaced font: Fund name------ticker-----er-----$ Vanguard Selected Value Fund Investor Shares-------VASVX------- 0.44-------$152,809 Vanguard Windsor™ II Admiral (Large Cap Value)-------VWNAX-------0.28-------$180,795 Vanguard...
by livesoft
Sat Apr 25, 2015 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing taxable account :: capital gains :(
Replies: 10
Views: 940

Re: Poll: Late-starters, check in with portfolio status

I am over 35. I don't think I was a late starter, but before age 29, I know we didn't contribute much because we didn't have much income.

I think folks do not need to worry about starting after age 35 if that's when they can start.
by livesoft
Sat Apr 25, 2015 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Late-starters, check in with portfolio status
Replies: 4
Views: 654

Re: Should I use Roth funds for new car (lump sum) purchase?

^A loan is really easy for a car dealer. There is really no extra paper work I think for the sales rep because he just turns it over to the finance guy. A large cash deal is unusual and the sales guy probably has to do more work when he cannot give the docs to the finance dept. So easier for the sal...
by livesoft
Sat Apr 25, 2015 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I use Roth funds for new car (lump sum) purchase?
Replies: 15
Views: 1183

Re: taking break from computer use - to avoid back pain

Crunches before going to work in the morning. Say 4 sets of 25 while making oatmeal for breakfast. Every. Single. Day. Push-ups. Planks.

Also weight lifting to strengthen back, shoulder, arm, leg muscles. Running helps, too.
by livesoft
Sat Apr 25, 2015 10:57 am
 
Forum: Personal Consumer Issues
Topic: taking break from computer use - to avoid back pain
Replies: 17
Views: 542

Re: Tough to get a mortgage while retired?

Say you semi-retire, have $2M in retirement accounts, make $50,000 a year, have excellent credit, and no other debt. Would lenders still stick to the 28/36% debt to income ratios? If so, your maximum monthly payments would be ~$1,167 and you'd only get approved for ~$260,000. The way you wrote the ...
by livesoft
Sat Apr 25, 2015 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Tough to get a mortgage while retired?
Replies: 26
Views: 2376

Re: Should I use Roth funds for new car purchase?

About a year ago, I got a 0% interest car loan after negotiating to pay cash. It certainly helps with cash flow and taxes. So I would rethink the idea of not financing. If that happened, I'd do it. I don't like to mess up the price negotiations so I go in there planning to negotiate a cash deal. If...
by livesoft
Sat Apr 25, 2015 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I use Roth funds for new car (lump sum) purchase?
Replies: 15
Views: 1183

Re: Transfer to Vanguard shows "margin" ...

I already know that telling all of you about it is making me feel better! :happy Don't Worry. Be Happy. I opened two new Vanguard accounts recently. I like the way they have the updating stuck on "Awaiting Client Paperwork" even though the transfer is finished, shares moved, showing up, a...
by livesoft
Sat Apr 25, 2015 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Transfer to Vanguard shows "margin" ...
Replies: 19
Views: 1325

Re: What I learned at my mandatory employee 403(b) info meet

I did speak up some, but they are very very sneaky in their approach. […] I did send out a school-wide email explaining that we do have other options such as Vanguard and Fidelity but only one teacher out of 150 (actually a counselor not a teacher) wrote back to thank me for the information. I am g...
by livesoft
Sat Apr 25, 2015 9:57 am
 
Forum: Investing - Theory, News & General
Topic: What I learned at my mandatory employee 403(b) info meeting
Replies: 41
Views: 3587

Re: 401K Contribution Question

Thanks for the responses everyone. I know the ups and down will probably even out over time, currently though, for what I have tracked, it is about 60-70% buying on up days. Alright, now tell us what fraction of all days are up days please. You can use the last year, last 3 years, last 5 years. If ...
by livesoft
Sat Apr 25, 2015 9:24 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K Contribution Question
Replies: 8
Views: 393
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