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Re: ETFs Trading at a Discount to NAV

I personally don't believe the IIV means doodley squat. The darn ETF is worth whatever somebody will pay you for it or what you will pay for it (within reason). And that includes during Flash Crashes. :) You might be interested in charting 2 or more ETFs to see if their relative values ping-pong bac...
by livesoft
Wed Apr 23, 2014 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: ETFs Trading at a Discount to NAV
Replies: 3
Views: 158

Re: Shift to Index Funds = Calls from Fidelity

As with any place that you do business with, Fidelity likes to make "touches" when you interact with them. I think it is actually good that when one interacts with the web site that they send me an e-mail asking if I had any issues or problems. If Vanguard did that, I would give them an ea...
by livesoft
Wed Apr 23, 2014 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Shift to Index Funds = Calls from Fidelity
Replies: 7
Views: 718

Re: Son or Daughter working with Mom or Dad?

One of my high schoolers worked for the company I work for, but she was well-qualified and did not report to me. I have also supervised interns who were children of my colleagues. There has never ever been any issue with Mom or Dad in these situations. The kid does not want to report to the parent a...
by livesoft
Wed Apr 23, 2014 11:33 am
 
Forum: Personal Consumer Issues
Topic: Son or Daughter working with Mom or Dad?
Replies: 12
Views: 557

Re: Does money really hurt the chance to get financial aid?

Maybe the thread title should be changed to:

Does money really hurt the chance to get financial aid?
by livesoft
Wed Apr 23, 2014 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Does 529 really hurt the chance to get financial aid?
Replies: 50
Views: 2361

Re: Why is the price so low for option? Is this real?

A thing that newbies will learn about options is that just because something is "quoted" does not mean there is somebody to take the other side of the trade. That is, the volume will be zero, nada, zip.
by livesoft
Wed Apr 23, 2014 7:56 am
 
Forum: Investing - Theory, News & General
Topic: Why is the price so low for option? Is this real?
Replies: 20
Views: 1062

Re: Where would you retire, if $ were no object?

I think I would retire in three or four different places. There is no single place that has what I would like if $ were no object.
by livesoft
Wed Apr 23, 2014 6:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Where would you retire, if $ were no object?
Replies: 51
Views: 2462

Re: what do you suggest for reading?

Follow-up bonus question (hard): Why does livesoft own FUSVX instead of FSTVX? :) Your 401(k) has FUSVX as an option, but not FSTVX? Yes, that's the correct answer. My point was that although some funds and indexes are thought to be better than others, sometimes they are not readily available to one.
by livesoft
Wed Apr 23, 2014 6:34 am
 
Forum: Investing - Help with Personal Investments
Topic: what do you suggest for reading?
Replies: 15
Views: 943

Re: Portfolio Check: 32 yrs old, going to rebalance to 78/22

Everything looks great to me. Your idea to exchange from equities to bonds in your old 401(k) is fine as well. There may be an advantage to having the two 401(k)s. First, they will not interfere with a backdoor Roth IRA if you happen to need to do Roth contributions that way. Second, if you make an ...
by livesoft
Tue Apr 22, 2014 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check: 32 yrs old, going to rebalance to 78/22
Replies: 10
Views: 830

Re: Primerica sitin

In this situation, I would try two tactics: 1. I would tell my cousin that they should cancel or reschedule, but if they did not want to do that, then 2. I would state that nobody buys anything without comparing prices and services with other vendors, so that she should get 3 "quotes" befo...
by livesoft
Tue Apr 22, 2014 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Primerica sitin
Replies: 10
Views: 590

Re: Beware Vanguard DOES NOT update all your account values

I was waiting on you for an update. :) So thanks very much!

The two messages I have from Vanguard are pretty generic and not dissimilar from your message.
by livesoft
Tue Apr 22, 2014 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 56
Views: 4518

Re: Need signature guarantee in Japan

If you are not in a hurry, I'd submit without the signature guarantee and see what happens. Maybe put a big line through that area of the form and write "Not Applicable" in big letters. What's the worst they can do?
by livesoft
Tue Apr 22, 2014 8:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need signature guarantee in Japan
Replies: 23
Views: 778

Re: Housing in NYC area

Whatever you do, don't get caught up in all the hype about "owning" and "prices only go up". We lived through a couple of real estate busts in NY. I would not consider any real estate broker nor agent my friend when it came to house hunting. (Please don't tell me you are in the r...
by livesoft
Tue Apr 22, 2014 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Housing in NYC area
Replies: 11
Views: 893

Re: Housing in NYC area

Thanks for fixing the typo. Have you seen the NYTimes "buy versus rent" calculator? If you search their web site there are several articles worth reading. It seems that NYC and its environs has its own special rules. Many folks have some kind of "angle" that helps them out with h...
by livesoft
Tue Apr 22, 2014 7:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Housing in NYC area
Replies: 11
Views: 893

Re: HSA Bank -- tried to assess ridiculous, trivial fee

OK, so you will invest it all in ETFs. If you read the fee schedule, that means you will be paying fees for having a zero dollar balance in the savings account part of your HSA. To avoid all fees, you need a minimum balance in the savings account AND a minimum balance in the brokerage account.
by livesoft
Tue Apr 22, 2014 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Bank -- tried to assess ridiculous, trivial fee
Replies: 7
Views: 808

Re: Does 529 really hurt the chance to get financial aid?

…. so now considered poverty level - kid is very smart - got a free ride (all expenses paid) to an Ivy. Isolated case? maybe, but I have a feeling this is done more often than we think. Perhaps, but maybe it had nothing to do with financial aid and poverty. My niece got an all-expenses paid college...
by livesoft
Tue Apr 22, 2014 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does 529 really hurt the chance to get financial aid?
Replies: 50
Views: 2361

Re: Does 529 really hurt the chance to get financial aid?

Thanks all for your answers. However, I got more confused now after reading too much on this. One question, dose paying off the mortgage on the primary home help getting the financial aid assume I have only one house? should I pay off the mortgage before my kid goes to college if I have enough mone...
by livesoft
Tue Apr 22, 2014 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does 529 really hurt the chance to get financial aid?
Replies: 50
Views: 2361

Re: Security Risk in Donating Appreciated Vanguard Shares

Here's what we did: We didn't worry about it at all.
by livesoft
Tue Apr 22, 2014 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Security Risk in Donating Appreciated Vanguard Shares
Replies: 6
Views: 334

Re: Do you think the biotech sector will be hurt long term?

abuss368 wrote:Most investors on the forum have a strategy of total market index investing.

Actually, polls on the forum show that most investors on the forum have a strategy of small-cap and value-tilt slice-and-dice investing. The total market index investing folks are a minority.
by livesoft
Tue Apr 22, 2014 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: Do you think the biotech sector will be hurt long term?
Replies: 53
Views: 2374

Re: Does 529 really hurt the chance to get financial aid?

I say this because some folks told me their kid was National Merit Scholar and got a full scholarship at some schools. I have some folks tell me their kid was National Merit Scholar and got $2,000. Also one needs to know that National Merit Scholarships are often sponsored by Mega-Corps and an addi...
by livesoft
Tue Apr 22, 2014 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does 529 really hurt the chance to get financial aid?
Replies: 50
Views: 2361

Re: Does 529 really hurt the chance to get financial aid?

If I was a financial aid administrator at a college, I would be on the lookout for folks trying to pull the wool over my eyes.
by livesoft
Tue Apr 22, 2014 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does 529 really hurt the chance to get financial aid?
Replies: 50
Views: 2361

Re: Does 529 really hurt the chance to get financial aid?

Here is a NYTimes article on college financial aid. Some universities include home equity and some don't. The FAFSA does not include home equity.

http://www.nytimes.com/2014/04/13/educa ... hould.html
by livesoft
Tue Apr 22, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Does 529 really hurt the chance to get financial aid?
Replies: 50
Views: 2361

Re: Lawn care - fertilizer

It is definitely not worth hiring someone to fertilize your lawn. If you can put laundry detergent in your clothes washer or dishwasher detergent in your dishwasher then you have the skills to fertilize your lawn. If you don't, then look up on youtube how to put dishwasher detergent in your dishwash...
by livesoft
Tue Apr 22, 2014 10:55 am
 
Forum: Personal Consumer Issues
Topic: Lawn care - fertilizer
Replies: 12
Views: 519

Re: Does 529 really hurt the chance to get financial aid?

The $200k AGI statement should be investigated. Clearly, a family with that kind of income should have resources to pay for college without financial aid for at least one child. I suspect folks in that category with 4 kids in college at the same time could get financial aid.
by livesoft
Tue Apr 22, 2014 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Does 529 really hurt the chance to get financial aid?
Replies: 50
Views: 2361

Re: Does 529 really hurt the chance to get financial aid?

The same amount of money saved in a 529 plan or a bank account owned by parents has the same impact on financial aid.
by livesoft
Tue Apr 22, 2014 9:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Does 529 really hurt the chance to get financial aid?
Replies: 50
Views: 2361

Re: what do you suggest for reading?

^That's a good guess, but not correct. The correct answer is somewhere in many of my posts.
by livesoft
Tue Apr 22, 2014 7:42 am
 
Forum: Investing - Help with Personal Investments
Topic: what do you suggest for reading?
Replies: 15
Views: 943

Re: Need help figuring out the optimum financial instrument

I suggest you open up a joint checking account now for your daughter. She would be primary name and you would be secondary. She should already be using a debit/ATM card for all her purchases and gift money and I sense that she is not. This will give her lots of practice on using this financial instr...
by livesoft
Tue Apr 22, 2014 7:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Need help figuring out the optimum financial instrument
Replies: 4
Views: 328

Re: what do you suggest for reading?

.... As I reviewed numerous index funds, I was overwhelmed by the absolutely pure manutia (sic) that's seeps through these company documents. I asked my quiz questions because of the above statement and the choice of the funds that were purchased. FUSVX and FSTVX are not identical investments. FUSV...
by livesoft
Tue Apr 22, 2014 6:52 am
 
Forum: Investing - Help with Personal Investments
Topic: what do you suggest for reading?
Replies: 15
Views: 943

Re: Warren Buffett

I ignore Warren Buffett when it comes to investing. We don't have much in common. If he has provided anything useful to me, others that are closer to my situation have given the same message, so I don't need to waste my time on Mr Buffett. I have nothing against Mr Buffett and admire his down-to-ear...
by livesoft
Mon Apr 21, 2014 11:24 pm
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett
Replies: 45
Views: 2256

Re: Forced job responsibility putting me in a panic

I must write that you didn't have any problems articulating your thoughts extremely well in this thread, so I am not sure that you are going be bad enough to have them want to replace you. I will also say that as a supervisor, I give similar tasks to my subordinates just to move them out of their ci...
by livesoft
Mon Apr 21, 2014 11:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Forced job responsibility putting me in a panic
Replies: 32
Views: 2072

Re: Forced job responsibility putting me in a panic

I don't think you need to worry about this. Just do the terrible job that you expect to do and they will notice that you are no good with this and assign the task to someone else.

(And I don't even charge a fee for astute advice such as I have just given you.)
by livesoft
Mon Apr 21, 2014 11:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Forced job responsibility putting me in a panic
Replies: 32
Views: 2072

Re: Can we ever expect VG to offer ISV or EMV?

james22 wrote:VG could easily enough carve out the V from IS and the EM from ILV.

I am not sure why you think that. Vanguard cannot even figure out something easy such as how to use the closing prices of their own ETFs on their own web site:
viewtopic.php?f=10&t=137689
by livesoft
Mon Apr 21, 2014 10:51 pm
 
Forum: Investing - Theory, News & General
Topic: Can we ever expect VG to offer ISV or EMV?
Replies: 18
Views: 1510

Re: Tax efficient fund in taxable account.

Rarely mentioned is that the perhaps the most tax-efficient equity fund is the one that always loses money and never has any gains. In addition to what others have mentioned, one might consider a small-cap growth index fund, a large-cap emerging markets index fund, a large-cap foreign index fund tha...
by livesoft
Mon Apr 21, 2014 10:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax efficient fund in taxable account.
Replies: 5
Views: 515

Re: New Baby Girl - What Can/Should We Do?

Well, let's hope then that some others respond with good advice.
by livesoft
Mon Apr 21, 2014 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Baby Girl - What Can/Should We Do?
Replies: 37
Views: 2425

Re: is whole life insurance a good investment?

This is a great investment for the insurance agent. But for you and your children it is one of the worst investments in the world. One of the worst. There are many threads on whole life insurance on this forum. You can find them by typing "whole life insurance" in the search text field up ...
by livesoft
Mon Apr 21, 2014 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: is whole life insurance a good investment?
Replies: 17
Views: 1392

Re: New Baby Girl - What Can/Should We Do?

No worries on the taxes because when you retire a pension of $90K a year will buy you a few hamburgers because of inflation and all tax brackets will have crept up, too. The standard deduction might even be $150,000 by then. :)
by livesoft
Mon Apr 21, 2014 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Baby Girl - What Can/Should We Do?
Replies: 37
Views: 2425

Re: New Baby Girl - What Can/Should We Do?

This is another one of those threads I find incomprehensible, where some parents toss their kids to the wolves. I can't imagine Not saving for a kid's future. I find it incomprehensible that you insinuate that I have tossed by my kids to the wolves. :) :) If I told you that I paid 100% of the costs...
by livesoft
Mon Apr 21, 2014 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Baby Girl - What Can/Should We Do?
Replies: 37
Views: 2425

Re: Do you use a dry powder/tactical asset allocation strate

And days for "rebalancing" are noted in real-time on the forum, so that everyone can participate if they wish to. You're joking . . . right . . . ? I am not joking about this. You need to read more posts on the forum that explain all this. May I suggest you search on "livesoft" ...
by livesoft
Mon Apr 21, 2014 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you use a dry powder/tactical asset allocation strategy?
Replies: 24
Views: 1815

Re: New Baby Girl - What Can/Should We Do?

I lived in NY in the same 2 br apartment for about 8 years. My oldest was born there and lived in the apartment with us for a few years. We didn't buy a home until we were in our late 30's. This is not to write that you should not buy a home, but I would advise patience. We missed at least 2 real es...
by livesoft
Mon Apr 21, 2014 7:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Baby Girl - What Can/Should We Do?
Replies: 37
Views: 2425

Re: what do you suggest for reading?

Check out Larry Swedroe's "The Only Guide You'll Ever Need for the Right Financial Plan: Managing Your Wealth, Risk, and Investments"

And let me quiz you:

Why did you buy FUSVX instead of FSTVX?
Why did you buy FSIIX instead of FSGDX?
by livesoft
Mon Apr 21, 2014 7:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: what do you suggest for reading?
Replies: 15
Views: 943

Re: New Baby Girl - What Can/Should We Do?

Let me add I am not saying do not invest in 529 plan, but I am saying to wait on that several years until you have a lock on a home, retirement, etc

And I noticed your annual income, so stop paying income taxes:
viewtopic.php?t=79510
by livesoft
Mon Apr 21, 2014 7:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Baby Girl - What Can/Should We Do?
Replies: 37
Views: 2425

Re: New Baby Girl - What Can/Should We Do?

I would not fund a 529 plan at all right now. I would not contribute at all to a Roth TSP, but would contribute fully to the "traditional" TSP. I would take the tax savings from the traditional TSP and along with any money you were going to earmark for a 529 plan and put it in a taxable ac...
by livesoft
Mon Apr 21, 2014 7:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Baby Girl - What Can/Should We Do?
Replies: 37
Views: 2425

Re: International Allocation in 401k

Many years ago I used DODFX. It was clearly ahead at the time because it used emerging markets stocks while other int'l funds followed the EAFE index and excluded emerging markets countries. I will guess that in the past year, DODFX down weighted their EM stocks and maybe gave themselves a small-cap...
by livesoft
Mon Apr 21, 2014 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Allocation in 401k
Replies: 7
Views: 514

Re: Do you use a dry powder/tactical asset allocation strate

Thanks for the clarification. My impression is that most investors simply contribute to 401(k) or 403(b) plan at work if available and never look at what is going on in those accounts and never change a thing. It is rare for an investor to use an internet forum or to talk to anyone about their inves...
by livesoft
Mon Apr 21, 2014 5:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you use a dry powder/tactical asset allocation strategy?
Replies: 24
Views: 1815

Re: What does a Boglehead Mattress look like?

The mattress to buy is the one that Warren Buffett is selling in this video:
http://www.youtube.com/watch?v=GF5LKpLPGrQ
It is certainly worth 7 minutes of your life to watch the video.
by livesoft
Mon Apr 21, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: What does a Boglehead Mattress look like?
Replies: 17
Views: 1313

Re: Do you use a dry powder/tactical asset allocation strate

Too often, investors are all or nothing. Either they're totally in the market or they are not. Many people don't have the constitution to be totally in the market, so some sort of compromise works for them. That sounds great, but I don't believe it. I think very few "investors are all or nothi...
by livesoft
Mon Apr 21, 2014 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you use a dry powder/tactical asset allocation strategy?
Replies: 24
Views: 1815

Re: Why is it better to put stock funds in taxable accounts?

It is perfectly fine to fill up Roth IRA space with equities if one can put fixed income someplace like a 401(k) or a traditional IRA. HOWEVER, if equities drop by 50%, then you have lost 50% of your precious Roth IRA space. I know that I would not want that to happen to my Roth. OTOH, if equities d...
by livesoft
Mon Apr 21, 2014 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: Why is it better to put stock funds in taxable accounts?
Replies: 10
Views: 1204

Re: Starting an RIA

A possible business model to look at is the operation by Allan Roth who contributes to the forum in many ways: http://www.bogleheads.org/wiki/Allan_Roth There is enough info out in web-land about him, his business model, etc that it will be worth investigating. It seems to develop trust, one probabl...
by livesoft
Mon Apr 21, 2014 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Starting an RIA
Replies: 28
Views: 1705

Re: Stress-test your portfolio

Ms Christine Benz of Morningstar has several presentations where she mentions stress-testing a portfolio. Perhaps one of the better ones is this video from earlier this month http://www.morningstar.com/cover/videocenter.aspx?id=641676 about "Ready Your Portfolio for Retirement". I am surpr...
by livesoft
Mon Apr 21, 2014 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: Stress-test your portfolio
Replies: 5
Views: 670

Re: sued by landlord

I just talked to the management this morning. .... I think you need to get these statements in writing AND you need to be present in the room when the management calls/faxes/e-mails their lawyer. And the "in writing" should have a "CC:" at the bottom so that it is also sent to t...
by livesoft
Mon Apr 21, 2014 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: sued by landlord
Replies: 34
Views: 4062

Re: Can we ever expect VG to offer ISV or EMV?

I don't think they will offer these asset classes and I will tell you the story of tomatoes to try to explain why. Years ago, McDonalds did not offer tomatoes in some of its standard burgers. The story I heard at the time was that if tomatoes were included in the McDonalds burger "asset allocat...
by livesoft
Mon Apr 21, 2014 12:40 pm
 
Forum: Investing - Theory, News & General
Topic: Can we ever expect VG to offer ISV or EMV?
Replies: 18
Views: 1510
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