Search found 39391 matches

by livesoft
Tue Jun 30, 2015 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity promotional offer for moving IRA
Replies: 6
Views: 496

Re: Fidelity promotional offer for moving IRA

I understand there is no bonus for moving from a Fidelity IRA to a Fidelity IRA. Nor for moving from a Fidelity 401(k) to a Fidelity IRA. Has anyone gotten a "retention bonus"? Call it blackmail if you like. It seems that the best way to get a Fidelity bonus is to move a Fidelity account t...
by livesoft
Tue Jun 30, 2015 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Intentional 401k overcontribution to get new employer match
Replies: 18
Views: 701

Re: Intentional 401k overcontribution to get new employer match

nerdinvestor wrote: Why would they laugh at the request?

1. Because they know it was not an excess deferral when the money was being contributed.
2. Because they can.
by livesoft
Tue Jun 30, 2015 4:04 pm
Forum: Investing - Theory, News & General
Topic: Did you used to invest in TIPS?
Replies: 7
Views: 338

Re: Did you used to invest in TIPS?

I bought some shares of VIPSX back in October and December 2008. I sold in March 2009 for the simple reason that the fund NAV went up 3% in one day March 18, 2009. Bond funds are not supposed to move 3% in one day, so I stopped trusting it and sold about a week later. I exchanged into Vanguard GNMA ...
by livesoft
Tue Jun 30, 2015 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Intentional 401k overcontribution to get new employer match
Replies: 18
Views: 701

Re: Intentional 401k overcontribution to get new employer match

Ask for a "corrective distribution of an excess deferral" which is IRS speak. Search the forum for those words for more info. The first 401(k) folks should just laugh at the request. The second 401(k) folks will have to honor it. They will probably remove company match, too, but you never ...
by livesoft
Tue Jun 30, 2015 1:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1357
Views: 264334

Re: U.S. stocks in freefall

There is clear evidence of the clustering of market losses, shown by looking at the rolling average of down days over given time periods, such as the following: [ chart removed ] I would not be surprised if you made a chart of the rolling average of 3% up days over given time periods if the chart w...
by livesoft
Tue Jun 30, 2015 12:53 pm
Forum: Personal Consumer Issues
Topic: What do you do to reduce your "need" expenses?
Replies: 27
Views: 1218

Re: What do you do to reduce your "need" expenses?

Portion control on food. Remember when a quarter-pounder hamburger was considered HUGE? Not anymore. Restaurant portions are 2 to 3 meals for me. A Subway sandwich is 2 meals. Oatmeal for breakfast even with add-ins is a fraction of the cost of boxed cereal, granola, or eggs, sausage, and toast. I n...
by livesoft
Tue Jun 30, 2015 10:51 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1357
Views: 264334

Re: U.S. stocks in freefall

Browser wrote:Those occurred on 1/24/2014, 2/2/2014, and 4/10/2014, which illustrates the fact that bad days tend to cluster.

What? No, those dates do NOT illustrate any tendency to cluster. There may be other dates that illustrate that, but not those dates.
by livesoft
Tue Jun 30, 2015 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 38
Views: 1885

Re: Unknown phone calls

Sssshhhh! [Break over. :wink: ]
by livesoft
Tue Jun 30, 2015 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 38
Views: 1885

Re: Unknown phone calls

I occasionally pick up a call if I am walking by the phone as it rings. Lately, it has been political robo-callers. [OT comment removed by admin LadyGeek] Anyways, these calls are now a fact of life … just like the sun rising in the eastern sky in the morning. Why not answer the phone and find out w...
by livesoft
Tue Jun 30, 2015 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Very Low Volume - Should I Avoid These ETFs?
Replies: 5
Views: 352

Re: Very Low Volume - Should I Avoid These ETFs?

It depends. Volume and liquidity are important for short term trading, but if you are planning on holding these for the next 20 years then tax efficiency and expense ratio would be much higher on my list of priorities when picking an ETF. Low volume ETFs have a tendency to fold up and close because...
by livesoft
Tue Jun 30, 2015 6:52 am
Forum: Investing - Help with Personal Investments
Topic: Very Low Volume - Should I Avoid These ETFs?
Replies: 5
Views: 352

Re: Very Low Volume - Should I Avoid These ETFs?

Definitely, yes. One should be able to find other trackers that have much higher volume.
by livesoft
Mon Jun 29, 2015 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: I received an unexpected 401(k) full withdrawl
Replies: 7
Views: 1435

Re: I received an unexpected 401(k) full withdrawl

Good advice. My only concern with putting it into an IRA is that I do a backdoor Roth contribution every year and I understand it helps not to have any money in my IRA to do that. It is so small that I would put this in your traditional IRA and convert to a Roth IRA as part of your regular backdoor...
by livesoft
Mon Jun 29, 2015 10:32 pm
Forum: Investing - Theory, News & General
Topic: Am I in a Bad Position?
Replies: 22
Views: 2072

Re: Am I in a Bad Position?

If you are in a bad position, then I am in a hopelessly worse position. But I think I am in an excellent position. Go figure.
by livesoft
Mon Jun 29, 2015 9:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1357
Views: 264334

Re: U.S. stocks in freefall

^ The S&P 500 is too broad a market index to have many plus-or-minus >2% days.

Question: How many 2+% days (up or own) has the REIT index or the Emerging Markets index had since 1/1/2014?

As an aside, a mere 2% down movement does not make a day really bad.
by livesoft
Mon Jun 29, 2015 9:33 pm
Forum: Personal Consumer Issues
Topic: How to use SSD computer
Replies: 19
Views: 1514

Re: How to use SSD computer

btenny - The bottom line is you should cart around an external HD for pictures and data you want to keep for a while. I don't think you meant "cart around". I think you meant "copy periodically to an external HD the pictures and data you want to keep for a while", but leave the ...
by livesoft
Mon Jun 29, 2015 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: As a couple in late 30s, how bad are we doing?
Replies: 51
Views: 7284

Re: As a couple in late 30s, how bad are we doing?

sugarandspice wrote:OP here, I just added additional information on the top of the post. Thank you for all responses!

If you don't list expense ratios, then it is very hard to make any suggestions. There is some kind of suggested format around here someplace for a post like yours.
by livesoft
Mon Jun 29, 2015 9:05 pm
Forum: Personal Consumer Issues
Topic: How to use SSD computer
Replies: 19
Views: 1514

Re: How to use SSD computer

This reminds of the days when there were disk quotas, especially on VAXes. I remember a system administrator giving everyone ridiculously low quotas so that the disks would not fill up. You paid for the disk space, so why not use it up?!! Anyways, I became sysadmin and we did away with quotas. The d...
by livesoft
Mon Jun 29, 2015 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: How do you Lazy portfolio funders deal with dips in the market?
Replies: 52
Views: 2949

Re: How do you Lazy portfolio funders deal with dips in the market?

I may sell later this week as I have done in the past after buying on a relatively bad day. What! How do you define a relatively bad day?! Where's the transition between relatively and really?! Now you just opened a new can of worms. I had to use "relatively" because I did not go back and...
by livesoft
Mon Jun 29, 2015 8:02 pm
Forum: Investing - Theory, News & General
Topic: dow futures down 200+ points
Replies: 84
Views: 8853

Re: dow futures down 200+ points

If I were to "buy the dip" and add more money to Vanguard Total International now (after the close of market) when does that transaction happen? If the market were to shoot up tomorrow morning, would I get in ahead of that or afterwards? If by "Vanguard Total International" you ...
by livesoft
Mon Jun 29, 2015 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: How do you Lazy portfolio funders deal with dips in the market?
Replies: 52
Views: 2949

Re: How do you Lazy portfolio funders deal with dips in the market?

SteveB1 wrote:I didn't loose even a penny today... because I didn't sell anything :)

And you never make any money either … because you don't sell anything.

Anyways, I mark to market. I think it is important to do so … otherwise you are just kidding yourself. I lost money today.
by livesoft
Mon Jun 29, 2015 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: wash sale
Replies: 2
Views: 187

Re: wash sale

Yes, if all buys/sales transactions are in an IRA, then no wash sale and this is a non-event for taxes, yes.
by livesoft
Mon Jun 29, 2015 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: How do you Lazy portfolio funders deal with dips in the market?
Replies: 52
Views: 2949

Re: How do you Lazy portfolio funders deal with dips in the market?

in celebration of Greek Day, Livesoft, glad you and your son had a great day. Curious, what beverages do they serve on Greek Day? We were a little late getting to the theater which I had never been to, so we didn't have time to check out their refreshments. The web site says "a full assortment...
by livesoft
Mon Jun 29, 2015 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: How do you Lazy portfolio funders deal with dips in the market?
Replies: 52
Views: 2949

Re: How do you Lazy portfolio funders deal with dips in the market?

Anyways, for those folks who buy-hold-and-rebalance, they might wish to check their rebalancing bands and follow their IPS. Or they may wish to read their IPS with regards to TLH.

That is, they may wish to stay the course.
by livesoft
Mon Jun 29, 2015 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: How do you Lazy portfolio funders deal with dips in the market?
Replies: 52
Views: 2949

Re: How do you Lazy portfolio funders deal with dips in the market?

I submitted an order to buy VEA today because it was a bona fide RBD in VEA when I submitted the order. The maids showed up ( see the home cleaning services thread ), so since I didn't want to be there for all the cleaning, my son and I had to find a movie to go to. Well, in celebration of Greek Day...
by livesoft
Mon Jun 29, 2015 12:17 pm
Forum: Investing - Theory, News & General
Topic: dow futures down 200+ points
Replies: 84
Views: 8853

Re: dow futures down 200+ points

If your local department store were offering a 1% OFF SALE - TODAY ONLY! would you be willing to get up off your couch and run right down there to buy that stuff you've been wanting? Ha Ha Ha.... I would not. But … If I was planning to reinvest the dividends I will receive this week, I think today ...
by livesoft
Mon Jun 29, 2015 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: What happens when Admiral Shares drop below $50K?
Replies: 15
Views: 2278

Re: What happens when Admiral Shares drop below $50K?

Not any time soon. For my spouse Vanguard promoted some investor shares to Admiral AFTER they dropped below $10K last year. And they have never been above $10K since.

So it's a little loosey-goosey and whimsical what happens.
by livesoft
Mon Jun 29, 2015 10:32 am
Forum: Investing - Help with Personal Investments
Topic: good day for international TLH?
Replies: 1
Views: 276

Re: good day for international TLH?

The last RBD for VSS was October 9, 2014. Was that a good day to buy? VSS was down about 2.6% that day. Some will say October 16 was a better day to buy. Or even Jan 6, 2015. Things will have to go lower for today to be an RBD. I have no comment on whether today is a good day to TLH. I don't have an...
by livesoft
Mon Jun 29, 2015 9:07 am
Forum: Investing - Theory, News & General
Topic: dow futures down 200+ points
Replies: 84
Views: 8853

Re: dow futures down 200+ points

The boglehead philosophy confuses me sometimes. Why are so many people looking to buy today? Isn't that market timing? It is only market timing if you do not check your rebalancing bands and find that you are not out of balance where you need to buy something. Another way to think of this: If you w...
by livesoft
Sun Jun 28, 2015 8:35 pm
Forum: Personal Consumer Issues
Topic: Caribbean vacation recommendations
Replies: 29
Views: 2284

Re: Caribbean vacation recommendations

I've been to Virgin Gorda: http://www.tripadvisor.com/Hotel_Review ... lands.html

It was nice, but you must like to snorkel and otherwise do nothing.
by livesoft
Sun Jun 28, 2015 8:00 pm
Forum: Investing - Theory, News & General
Topic: Resources on asset allocation for various time periods?
Replies: 1
Views: 226

Re: Resources on asset allocation for various time periods?

Why do you believe there is an optimum asset type location? And if there is, suppose the optimum is only 0.00001% more optimal than the many others? From the many discussions on the forum, my conclusion is that the optimum is not all that different from the non-optimal and also depends heavily on pe...
by livesoft
Sun Jun 28, 2015 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Any brokerage that offers commission free Vanguard mutual funds?
Replies: 21
Views: 2491

Re: Any brokerage that offers commission free Vanguard mutual funds?

Vanguard is particularly sluggish when it comes to updating anything in your account on the web site. I think you will be disappointed when you move your assets to Vanguard.

See also: viewtopic.php?t=87742
by livesoft
Sun Jun 28, 2015 7:05 pm
Forum: Investing - Theory, News & General
Topic: International stock "dividend variability" Why?
Replies: 49
Views: 4570

Re: International stock "dividend variability" Why?

randomguy wrote:You do realize you are allowed to sell shares if you want money?:)

But maybe Uncle Pennybags has to pay a $1,000 commission every time he sells any shares? In that case, getting a dividend saves him $1,000.
by livesoft
Sun Jun 28, 2015 6:00 pm
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 146
Views: 12714

Re: Greece impact on US markets Monday morning

That's why I settled on using a pre-determined calendar schedule, for rebalancing. I couldn't find an answer to such questions, and I would start to get emotional about the decision. I definitely do not like to mix emotions and investing. It is definitely an excellent idea to keep emotions out of i...
by livesoft
Sun Jun 28, 2015 5:55 pm
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 146
Views: 12714

Re: Greece impact on US markets Monday morning

So "stay-the-course" suggests that you all will be buying equities in rebalancing moves as needed, right? On such occasions, is it prudent to act on Day 1, or better to wait a couple days? The drop/chaos could take a few days to settle? One cannot predict whether Day 1 or another closely ...
by livesoft
Sun Jun 28, 2015 5:51 pm
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 146
Views: 12714

Re: Greece impact on US markets Monday morning

Many Vanguard funds went ex-dividend in the past few days. ETF dividends will mostly show up by Thursday, so there will be some extra cash then that will need to be re-invested.

But folks with mutual funds that automatically reinvested dividends already bought shares last week with the dividends.
by livesoft
Sun Jun 28, 2015 5:26 pm
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 146
Views: 12714

Re: Greece impact on US markets Monday morning

So "stay-the-course" suggests that you all will be buying equities in rebalancing moves as needed, right?
by livesoft
Sun Jun 28, 2015 4:19 pm
Forum: Personal Consumer Issues
Topic: What is best attic fan thermostat setting?
Replies: 2
Views: 348

Re: What is best attic fan thermostat setting?

I'd put it to 100 deg to see if it doesn't run all day. We have 2 electric fans which I think are set at 110 deg. I don't notice them on unless I go up in the attic in the summer time. There was a thread on attic ventilation. I think fans are worth it, but it may depend on your climate, your attic s...
by livesoft
Sun Jun 28, 2015 2:01 pm
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 5138

Re: Squirrel nemesis

victorb wrote:The Have A Heart trap with peanut butter works extremely well. Take them to a park or wooded area and problem solved. I never had one come back.

Or set out trap just before you go on vacation.
by livesoft
Sun Jun 28, 2015 1:35 pm
Forum: Personal Consumer Issues
Topic: Used, Reliable, Safe, Financially Sound cars
Replies: 37
Views: 2613

Re: Used, Reliable, Safe, Financially Sound cars

Lots of threads about used Lexus RX-350s on the forum. I will guess that half of Bogleheads own one of these cars on average because some folks own 2 or more of this SUV.

And yes, there is a sweet spot: 4 years old after a good car is returned after a 3-year lease.
by livesoft
Sun Jun 28, 2015 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: As a couple in late 30s, how bad are we doing?
Replies: 51
Views: 7284

Re: As a couple in late 30s, how bad are we doing?

To give a different data point and/or perspective … we had to rent an apartment while living in a high cost of living area until we moved out of it in our late 30s. Thus, we were not able to even buy a house until we were probably around the age of the OP. And we had a toddler, too, before moving an...
by livesoft
Sun Jun 28, 2015 1:20 pm
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 146
Views: 12714

Re: Greece

My hypothesis is that no one knows and no one can predict. We will have to see it play out in real time. There are some hedge funds invested in Greece: http://www.nytimes.com/2015/06/29/business/dealbook/panic-among-hedge-fund-investors-in-greece.html Did they do any swaps or derivatives to offset t...
by livesoft
Sun Jun 28, 2015 12:47 pm
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 146
Views: 12714

Re: The next Lehman - this week? [Greek default]

Here is a fun read from today on hedge funds invested in Greek debt: http://www.nytimes.com/2015/06/29/busin ... reece.html
by livesoft
Sun Jun 28, 2015 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Drawing from Retirement Savings to Delay SS
Replies: 42
Views: 3796

Re: Drawing from Retirement Savings to Delay SS

1. How much of your retirement savings in percentages do you plan on depleting in order to fund your delay? None. I expect portfolio average annual gains to cover sustained withdrawal rate. 2. Are you currently delaying? I am retired in my 50s, so not eligible yet for SS, so I guess I am "delay...
by livesoft
Sun Jun 28, 2015 10:39 am
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 146
Views: 12714

Re: The next Lehman - this week? [Greek default]

cfs wrote:Is the Greek government planning to have a bank holiday? The walk or run at the Greek banks is on, and here are some bullets from the links provided by BobK above.


I liked the one about how after the Greek parliament members voted they then went and stood in line at the ATMs to get cash out.
by livesoft
Sun Jun 28, 2015 9:02 am
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 58
Views: 4125

Re: Travel to Greece

The Greeks may all be on migrant boats to Africa by then.
by livesoft
Sun Jun 28, 2015 8:52 am
Forum: Personal Consumer Issues
Topic: can you recommend comfortable walking shoes?
Replies: 43
Views: 3043

Re: can you recommend comfortable walking shoes?

I walk the dog about 4 miles in the morning and another 4 miles in the evening. I use two kinds of shoes: running shoes or New Balance MW411 so-called "health walking" shoes, but they are just regular leather athletic shoes. The trick though is to use shoe inserts of some type that work fo...
by livesoft
Sun Jun 28, 2015 4:42 am
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 146
Views: 12714

Re: The next Lehman - this week? [Greek default]

Can you believe this thread is 4 years old?
by livesoft
Sat Jun 27, 2015 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Where to Begin [Tax Efficient Mutual Funds for Some Inheritance]
Replies: 15
Views: 1300

Re: Tax Efficient Mutual Funds for Some Inheritance

My suggestion was not to put everything in fixed, but to put 40% of the TOTAL of ALL accounts in fixed. What would be the dollar amount of 40% of ALL ACCOUNTS including ALL the 403(b)s, ALL the IRAs, and ALL the taxable money that you would want to invest?
by livesoft
Sat Jun 27, 2015 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: No gain in 9 months of investment
Replies: 23
Views: 4258

Re: No gain in 9 months of investment

In 9 months, the Vanguard Target Retirement 2010 fund (has about 50% bonds) hasn't been negative since the beginning of November. Yes, the returns are weak, but they were almost 5% at one point which is quite respectable for such a short time period. So are you calculating returns properly? If you g...

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