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by livesoft
Wed May 27, 2015 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Help with Vanguard Portfolio
Replies: 4
Views: 338

Re: Help with Vanguard Portfolio

It will be best if you designate the % of the account since the dollar amounts will likely be different by the time the transaction goes through. If one is going to submit multiple exchanges in one day, may I suggest calling Vanguard rather than doing it online? The reason is that the math can chan...
by livesoft
Wed May 27, 2015 9:07 am
Forum: Personal Consumer Issues
Topic: Tips for extended European Trip
Replies: 8
Views: 266

Re: Tips for extended European Trip

I would be REALLY reluctant to use a wireless connection in a coffee shop. I have never used a wireless connection in a coffee shop in my life and would not recommend it either. There is plenty of time to get a chip & sign card. Also, I have a separate free "travel" checking account w...
by livesoft
Wed May 27, 2015 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Problem with international wire transfer
Replies: 4
Views: 138

Re: Problem with international wire transfer

Does your DBS/Singapore bank have an ATM card? Send one to your spouse and have her try to use it in the US if one needs $100 or so amounts of cash.
by livesoft
Wed May 27, 2015 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Problem with international wire transfer
Replies: 4
Views: 138

Re: Problem with international wire transfer

So a $27 wire fee and a $15 Citibank fee. I think the wire fee is inline with expectations. If you had wired $100,000, you probably would've paid $27 wire fee and a $15 Citibank fee, too. I would not have done a $100 "test" run as the minimum fees would be a large fraction of the $100 as y...
by livesoft
Wed May 27, 2015 8:35 am
Forum: Personal Consumer Issues
Topic: Tips for extended European Trip
Replies: 8
Views: 266

Re: Tips for extended European Trip

It is pretty trivial to login to your bank account from almost anywhere in the world and make bill payments. This assumes you have stopped getting bills in the mail and they show up either in your e-mail or in your bank's online bill paying system. You could also return home every 4 weeks since you ...
by livesoft
Wed May 27, 2015 8:09 am
Forum: Investing - Theory, News & General
Topic: Expense Ratio Comparison
Replies: 6
Views: 255

Re: Expense Ratio Comparison

kaudrey wrote:You are comparing apples to oranges. You are comparing a US fund to a Eurogrowth Fund. These funds will have returns that have nothing to do with each other, different risk profiles, etc.

Check your research. I do not think either fund is a US fund.
by livesoft
Wed May 27, 2015 8:09 am
Forum: Investing - Theory, News & General
Topic: Expense Ratio Comparison
Replies: 6
Views: 255

Re: Expense Ratio Comparison

The two funds REREX and VTSNX invest in slightly different things, so they are not directly comparable. Can you explain what the major difference in investments is between these two funds? VTSNX has not been around for 10 years, so I am concerned about the OP's comparison mentioning 10 years. Genera...
by livesoft
Wed May 27, 2015 7:08 am
Forum: Investing - Help with Personal Investments
Topic: Day trading
Replies: 15
Views: 735

Re: Day trading

I was a day trader around the time of the tech bubble at a notorious wall street firm. […] The easy money is long gone …. This is a telling anecdote. In those days, certain firms had some "technical advantages" that other folks did not. They used these technical advantages to help them ma...
by livesoft
Wed May 27, 2015 5:52 am
Forum: Investing - Theory, News & General
Topic: Withdraw without penalty from a solo 401k at 55 if stop working?
Replies: 1
Views: 208

Re: Withdraw without penalty from a solo 401k at 55 if stop working?

If the plan documents provide for that option, then Yes. The term used in the legal 401(k) document I am looking at is "Early Retirement Age".
by livesoft
Wed May 27, 2015 5:42 am
Forum: Investing - Help with Personal Investments
Topic: Day trading
Replies: 15
Views: 735

Re: Day trading

What do you mean by day trading? If you mean using inside information and millions of dollars of computing power co-located with exchanges, then I think you should do it. If you mean sitting in your underwear at home in front of a computer screen guessing what and when to buy and sell, then I don't ...
by livesoft
Wed May 27, 2015 5:40 am
Forum: Investing - Help with Personal Investments
Topic: I know you hate Whole Life Insurance
Replies: 10
Views: 746

Re: I know you hate Whole Life Insurance

I hope the OP comes back in 5 years and 10 years and tells us how it worked out.
by livesoft
Tue May 26, 2015 9:34 pm
Forum: Personal Consumer Issues
Topic: How to pay real estate tax with Target Redcard
Replies: 86
Views: 7711

Re: How to pay real estate tax with Target Redcard

I reported previously that at least one university (my son's) accepts credit cards for all payments and imposes no additional fees for using a credit card. So that's what we do: Pay the bill by charging it and collecting the cash-back reward.
by livesoft
Tue May 26, 2015 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Net Worth
Replies: 9
Views: 1523

Re: Net Worth

Net worth is what my balance sheet would be if I died. I don't have any life insurance.
by livesoft
Tue May 26, 2015 6:34 pm
Forum: Personal Consumer Issues
Topic: Outside a/c fan isn't running (10 yr old system)
Replies: 24
Views: 797

Re: Outside a/c fan isn't running (10 yr old system)

canderson wrote:I'd never heard of that before, but he said he sees it a few times a month in May and June as bugs hatch.

I wrote about that in this thread already, so you must've heard about it before. Or did you think I was writing about a marijuana butt? :)
by livesoft
Tue May 26, 2015 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Exchanging Vanguard Funds In Personal Account Relating to Tax
Replies: 3
Views: 223

Re: Exchanging Vanguard Funds In Personal Account Relating to Tax

I would only sell losing positions in your situation and would do so diligently in tax-loss harvesting moves. So I would not do the 4-fund proposal you noted, but would do a 6-fund proposal instead. So instead of the single Total Stock Market Index fund, I would have Total Stock Market Index fund (n...
by livesoft
Tue May 26, 2015 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Slicing and Dicing: Time to Rebalance Toward International?
Replies: 1
Views: 255

Re: Slicing and Dicing: Time to Rebalance Toward International?

I will say this is a tough call and here is why: Int'l did poorly in 2014. If one rebalanced on the dip in the first week of January, then int'l for 2015 would be up more than 10% YTD while US/domestic is trailing. So one could say that one should rebalance OUT of international already in 2015 becau...
by livesoft
Tue May 26, 2015 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need to sell my REIT in taxable account?
Replies: 17
Views: 812

Re: Do I need to sell my REIT in taxable account?

^Bogleheads will sell for the loss now, especially if it is short-term no matter whether this is a long-term investment. There really is no point in waiting. If the OP buys the TIAA RealEstate Account, then they are practicing tax-loss harvesting in the best way.
by livesoft
Tue May 26, 2015 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: At what point does 529 make sense
Replies: 24
Views: 2719

Re: At what point does 529 make sense

If you pull from the taxable account for college, make sure you take it out before the spring of the junior year of HS so that the capital gains does not spike your income in the year prior to the first year of college (the base year) which would include the spring of the junior year of HS. Or make...
by livesoft
Tue May 26, 2015 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Patient-Ordered Medical (Genetic) Tests
Replies: 17
Views: 957

Re: Patient-Ordered Medical (Genetic) Tests

This is a very complicated question without enough info to answer, and there is no "right" answer. If you are near a children's hospital they have people working as genetics counsellors to help you navigate these sort of issues. Would be worth a look Be careful about genetics counsellors....
by livesoft
Tue May 26, 2015 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance as college saving
Replies: 13
Views: 629

Re: Life insurance as college saving

Life insurance is an excellent way to put kids through college. The only problem is that the kids are the sons and daughters of the life insurance agent.
by livesoft
Tue May 26, 2015 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need to sell my REIT in taxable account?
Replies: 17
Views: 812

Re: Do I need to sell my REIT in taxable account?

Yes, sell! The beauty of this is that you get to deduct the loss on your tax return. That's a big deal. SELL! SELL! SELL!
by livesoft
Tue May 26, 2015 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Is this one way to pay for my kid's college?
Replies: 19
Views: 1046

Re: Is this one way to pay for my kid's college?

12 hours a semester won't get you graduated in 4 years.
by livesoft
Tue May 26, 2015 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: At what point does 529 make sense
Replies: 24
Views: 2719

Re: At what point does 529 make sense

@GoBlue, you are aware that one can withdraw penalty-free from IRAs to pay for college? Plus IRA assets are "sheltered" from financial aid calculations in most instances.
by livesoft
Tue May 26, 2015 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Grandson's UTMA account
Replies: 1
Views: 174

Re: Grandson's UTMA account

I would not change a thing. International funds were up 13% (not counting to today's losses) year-to-date or about double what domestic funds did. Since we cannot predict the future, we should just invest in everything.
by livesoft
Tue May 26, 2015 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Credentialed Finanancial Advisors
Replies: 6
Views: 478

Re: Credentialed Finanancial Advisors

I would not trust any of them until proven otherwise. Many CFPs clearly ignore the requirement to act as a fiduciary at all times or is it only when providing financial planning. Financial advice can be different than financial planning. See those CFPs squirm around definitions? http://www.thinkadvi...
by livesoft
Tue May 26, 2015 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Early/Earlier/Earliest Retirement?
Replies: 15
Views: 1948

Re: Early/Earlier/Earliest Retirement?

I took the OP's post as a "thinking out loud" write-up. Sometimes it is just good to put words to paper where others can see them. That by itself can be very self-motivating.
by livesoft
Tue May 26, 2015 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Patient-Ordered Medical (Genetic) Tests
Replies: 17
Views: 957

Re: Patient-Ordered Medical (Genetic) Tests

This testing can really wait for several years. In the future, the testing will be cheaper, more certain, and probably combined with lots of other tests. It doesn't make any sense to me to do the testing now. Also, you mentioned you do not want him to have to stress about family history. He will not...
by livesoft
Tue May 26, 2015 1:33 pm
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 101
Views: 4138

Re: Once in a life time trip.

^One does not need to do everything on one trip. I have been to Australia 3 times and look forward to many more trips there. Another once-in-a-lifetime trip would be a learn-to-ski vacation. There will only be one time in their lives where they will learn to ski for the first time. I suggest the Par...
by livesoft
Tue May 26, 2015 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Changing my bond allocation
Replies: 5
Views: 647

Re: Changing my bond allocation

Despite the thread title, it doesn't seem that you are thinking of changing your bond allocation, but only of changing your bond location. If you move some equity fund shares to muni bond fund shares in taxable, you will reduce your chances of tax-loss harvesting. As long as you are aware of that, i...
by livesoft
Tue May 26, 2015 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Is this one way to pay for my kid's college?
Replies: 19
Views: 1046

Re: Is this one way to pay for my kid's college?

I think you can do better in that you should want tax-free gains from a CD, too. So if you get a 3% CD, make sure it is held in 529 plan. It doesn't matter whether the CD is from Soldman Gax or not. Also, you might get a state income tax break. There are many 529 plans that have CDs.
by livesoft
Tue May 26, 2015 1:19 pm
Forum: Investing - Theory, News & General
Topic: 401k contributions - does order type matter?
Replies: 7
Views: 469

Re: 401k contributions - does order type matter?

jimday1982 wrote:I'm assuming that if we stick to mutual funds, this is all a non-issue since those purchases execute at the end of day. Is that correct?

Yes, correct. I am unaware of "order types" for mutual funds anyways, but maybe you know something that I don't know. :)
by livesoft
Tue May 26, 2015 1:06 pm
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 101
Views: 4138

Re: Once in a life time trip.

I hated Disneyland as a kid because it was totally fake. I hated DisneyWorld as an adult because it was totally faked fake. I suggest a rafting trip down the Colorado River through the Grand Canyon. If you cannot do that, then how about a couple of weeks working on a real farm or ranch. If neither o...
by livesoft
Tue May 26, 2015 12:37 pm
Forum: Investing - Theory, News & General
Topic: 401k contributions - does order type matter?
Replies: 7
Views: 469

Re: 401k contributions - does order type matter?

Yes, order type does matter. Read this Vanguard white paper: https://personal.vanguard.com/pdf/ISGETF.pdf
by livesoft
Tue May 26, 2015 12:17 pm
Forum: Personal Consumer Issues
Topic: Planning a wedding in Long Island NY
Replies: 4
Views: 345

Re: Planning a wedding in Long Island NY

A Long Island Wedding? They are very famous for being extravagant. I have been to a few … all with live music and open bar and lots of guests. For one, the bride got a degree in engineering, then worked for a year while living at home solely to save money to pay for her wedding. She spent her entire...
by livesoft
Tue May 26, 2015 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Real cost of a Masters (in the US)
Replies: 39
Views: 2800

Re: Real cost of a Masters (in the US)

For example, if kid got his undergraduate degree in Biology, and wants to get a Master's in BiocheAccording to Payscale, a Bachelor's in Biology or Biochemistry leads to a starting salary of between $40k-$45k, with mid-career salary of $70-$80k. I imagine a master's degree would provide appreciably...
by livesoft
Tue May 26, 2015 10:45 am
Forum: Investing - Help with Personal Investments
Topic: At what point does 529 make sense
Replies: 24
Views: 2719

Re: At what point does 529 make sense

I started indexing two years ago, created a plan, and if things go well (big IF), I should be able to retire at the time when my kid goes to college. During retirement, my plan is to live from taxable account while converting IRA to Roth IRA regularly for several years. I do not think that my kid w...
by livesoft
Tue May 26, 2015 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Explaining Vanguard GNMA Admiral over past month
Replies: 10
Views: 909

Re: Explaining Vanguard GNMA Admiral over past month

I wonder if the previous 2.3% yield was just a short-term blip due to NAV fluctuations this year. Bond funds have gone up relatively large percentage-amounts in the past 5 months (up 1% to 2%, down 1% to 2%). The GNMA fund has had an excellent total return though.
by livesoft
Tue May 26, 2015 6:39 am
Forum: Personal Finance (Not Investing)
Topic: Anyone met with Fidelity Advisor before?
Replies: 12
Views: 950

Re: Anyone met with Fidelity Advisor before?

I have a Fidelity 401(k) and was on our 401(k) committee at work, so I met with the Fido folks who ran the plan occasionally. I never showed them my portfolio though or got advice from them. You can use the opportunity to have them show you how to use the Fidelity software tools: Guided Portfolio Su...
by livesoft
Mon May 25, 2015 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Individual 401k vs SEP IRA if I cannot do the backdoor Roth
Replies: 10
Views: 564

Re: Individual 401k vs SEP IRA if I cannot do the backdoor Roth

I wish to point out that TDAmeritrade also has individual 401(k) plans.
by livesoft
Mon May 25, 2015 8:51 pm
Forum: Personal Consumer Issues
Topic: Best way to re-key locks on new house?
Replies: 26
Views: 1799

Re: Best way to re-key locks on new house?

FWIW, I just took out the lock cores and took them to the local True Value or Ace or whatever it is. They rekeyed them to a new key inexpensively - I don't remember if it was $5 or $10 a lock, but it was a lot cheaper than having a locksmith out. That's way too sensible a thing to do, so it doesn't...
by livesoft
Mon May 25, 2015 7:58 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodeling and Microwave Food
Replies: 27
Views: 1358

Re: Kitchen Remodeling and Microwave Food

Oatmeal is a good microwave food. Here's how to cook it: https://www.bogleheads.org/forum/viewtopic.php?p=2242092#p2242092 I eat mostly fresh food, so tonight was a salad which needed no microwaving. Added were salmon and fresh asparagus both of which were cooked. They could've been cooked in a micr...
by livesoft
Mon May 25, 2015 7:24 pm
Forum: Personal Consumer Issues
Topic: Do-it-yourself handy person: How did you learn?
Replies: 25
Views: 2345

Do-it-yourself handy person: How did you learn?

So where did all you do-it-yourself handy women and handy men learn your skills? Was it from watching PBS? Reading books? Youtube? For me, it was my parents. My mom taught me how to sew and use a sewing machine. My dad taught me how to rebuild V-8 engines among other things like small engine repair,...
by livesoft
Mon May 25, 2015 7:05 pm
Forum: Personal Consumer Issues
Topic: Outside a/c fan isn't running (10 yr old system)
Replies: 24
Views: 797

Re: Outside a/c fan isn't running (10 yr old system)

Your thread is OK, but it looks like making the decision to replace the unit before finding out what is wrong is common to both threads. :)

I sure hope you know about electricity if you decide to check those outside fuses. Here is a simple fact: Electricity can kill you.
by livesoft
Mon May 25, 2015 6:55 pm
Forum: Personal Consumer Issues
Topic: Outside a/c fan isn't running (10 yr old system)
Replies: 24
Views: 797

Re: Outside a/c fan isn't running (10 yr old system)

itstoomuch wrote:Just do the outside motor.

Would it make more sense to find out what is wrong before replacing the outside motor?
by livesoft
Mon May 25, 2015 6:51 pm
Forum: Personal Consumer Issues
Topic: Best way to re-key locks on new house?
Replies: 26
Views: 1799

Re: Best way to re-key locks on new house?

If you do not have deadbolts now, then re-keying will not make them appear magically. I don't quite understand what this deadbolt discussion is about because if you have deadbolts now, new deadbolts will very likely fit in the same holes.
by livesoft
Mon May 25, 2015 6:49 pm
Forum: Personal Consumer Issues
Topic: Outside a/c fan isn't running (10 yr old system)
Replies: 24
Views: 797

Re: Outside a/c fan isn't running (10 yr old system)

This is the second "jumping the gun" "my AC is not working" thread in the past few days. Here is the other one:
viewtopic.php?t=165922
by livesoft
Mon May 25, 2015 6:30 pm
Forum: Personal Consumer Issues
Topic: Best way to re-key locks on new house?
Replies: 26
Views: 1799

Re: Best way to re-key locks on new house?

financial.freedom wrote:Great, thanks!

I can probably buy and replace the locks, but drilling/installing a deadbolt on one of the doors is probably beyond my scope.

My doors already had deadbolts, so I used the existing holes. I only replaced the locks/knobs because my old ones were getting ratty, scratched, and dinged.
by livesoft
Mon May 25, 2015 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: A Lesson [in Portfolio Simplicity]
Replies: 10
Views: 1761

Re: A Lesson

I wrote a post about LifeStrategy Moderate Growth here -> https://www.bogleheads.org/forum/viewtopic.php?f=1&t=160958&p=2416471 I use it as a benchmark. I slice-and-dice and tilt to value. I am beating VSMGX by almost 25% so far this year. :) So what do they say, Your Mileage May Vary? Of co...
by livesoft
Mon May 25, 2015 6:20 pm
Forum: Personal Consumer Issues
Topic: Outside a/c fan isn't running (10 yr old system)
Replies: 24
Views: 797

Re: Outside a/c fan isn't running (10 yr old system)

One time our outside unit didn't run because the gas meter reader guy must've tripped over a control wire. Simply putting the wire back got it working. Another time, a roach got in between relay contacts, got fried when they closed and the proteinaceous goo was a great insulator. You know how big ro...
by livesoft
Mon May 25, 2015 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Answer to Most Physician/High Income Job Questions:
Replies: 50
Views: 5376

Re: Answer to Most Physician/High Income Job Questions:

I deduce then it would make it a little easier to then have your DAF with the same firm as your taxable. That is true. For instance, I have Fidelity DAF. I donated shares from a Fidelity brokerage account (with same account holder credentials) to the DAF with a few button clicks. However, I do not ...

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