Search found 39943 matches

by livesoft
Tue Jul 28, 2015 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: How do you keep your portfolio/allocation in auto mode and in sync?
Replies: 8
Views: 568

Re: How do you keep your portfolio/allocation in auto mode and in sync?

On the REIT thing, I would say that REITs are not so important that you need to do what you did with REITs. "Optimization" means different things to different people. I think you only need to "good enough", but maybe that's what you are trying to achieve. If you publish all your ...
by livesoft
Tue Jul 28, 2015 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Wife starting a 403b...some questions...
Replies: 2
Views: 209

Re: Wife starting a 403b...some questions...

A 403(b) can be rolled over to a Roth IRA when one separates from their employer. If your spouse is going to stop working, then there is a great possiblity that your income will go down and your taxes will be lower at that time than they would be now. Plus you will have a child which also lowers tax...
by livesoft
Tue Jul 28, 2015 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Individual 401K
Replies: 44
Views: 1871

Re: Individual 401K

Gemini wrote:What is the difference between purchasing an ETF as opposed to the mutual fund itself?

Please read this Wiki article:
http://www.bogleheads.org/wiki/ETFs_vs_mutual_funds
by livesoft
Tue Jul 28, 2015 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Individual 401K
Replies: 44
Views: 1871

Re: Individual 401K

Gemini wrote:I am assuming a spouse can be added with a TD i401k as per above.

I would not assume anything. I would call them up, ask them, AND read the legal documents.
by livesoft
Tue Jul 28, 2015 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Individual 401K
Replies: 44
Views: 1871

Re: Individual 401K

Gemini wrote:Does that mean each ETF I purchase will be $9.99? Let's assume I want to purchase VTI and BND ETFs. Would I pay 9.99 x 2 one time or annually?

Did you find the list of 100 no-commission ETFs? Are VTI and BND in the list of no-commission ETFs or are they in the class of "all other ETFs"?
by livesoft
Tue Jul 28, 2015 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: How do you keep your portfolio/allocation in auto mode and in sync?
Replies: 8
Views: 568

Re: How do you keep your portfolio/allocation in auto mode and in sync?

I don't worry about being too much out of synch. Did you see this thread on some tools that one can use? https://www.bogleheads.org/forum/viewtopic.php?t=150267 One BIG idea that is immensely helpful to me is to have most accounts have only one single fund in them. For instance, my HSA, my spouse's ...
by livesoft
Tue Jul 28, 2015 5:03 pm
Forum: Investing - Theory, News & General
Topic: Why is stock market so reactionary to news on daily basis?
Replies: 38
Views: 1673

Re: Why is stock market so reactionary to news on daily basis?

The Central Limit Theorem applies to all the noise, too. So we need more news and more noise.
by livesoft
Tue Jul 28, 2015 1:59 pm
Forum: Investing - Theory, News & General
Topic: Interesting Statistic & Assumption on 529 plans
Replies: 9
Views: 630

Re: Interesting Statistic & Assumption on 529 plans

So what's the ratio of assets in the Virginia broker-sold versus the direct plan? Is that ratio also reflected in the plans of other states?
by livesoft
Tue Jul 28, 2015 1:58 pm
Forum: Personal Consumer Issues
Topic: garage door opener resuscitation possible?
Replies: 23
Views: 831

Re: garage door opener resuscitation possible?

Yes, a $20-$30 part at most, but $250 to the handyman to put it in. :)
by livesoft
Tue Jul 28, 2015 1:51 pm
Forum: Investing - Theory, News & General
Topic: Rick’s Top Ten List of When Not To Invest
Replies: 9
Views: 1570

Re: Rick’s Top Ten List of When Not To Invest

That's a good list. Here's an example of what not to buy: Would you buy an investment that returns about 1% to 2% guaranteed, but has a 10% early withdrawal penalty? Many people apparently do because CDs are not marketed as well as these other investments and don't come with a free dinner: http://bl...
by livesoft
Tue Jul 28, 2015 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Individual 401K
Replies: 44
Views: 1871

Re: Individual 401K

Just to clarify, you rolled over your regular 401K into a i401k at TD and recouped a bonus ? recouped is probably the wrong word. "got" is better. Summary: No VG b/c inferior brokerage options, No Fido b/c ex-employer Fido annoying. TD b/c low/no fees with bonus $ for transferring. Care t...
by livesoft
Tue Jul 28, 2015 12:58 pm
Forum: Investing - Theory, News & General
Topic: Interesting Statistic & Assumption on 529 plans
Replies: 9
Views: 630

Re: Interesting Statistic & Assumption on 529 plans

And some people on the forum complain about Vanguard advertising.
by livesoft
Tue Jul 28, 2015 12:50 pm
Forum: Investing - Theory, News & General
Topic: A bit of gold?
Replies: 37
Views: 1525

Re: A bit of gold?

livesoft, I'm a religious re-balancer but approach my bullion position differently from other assets. I have 5% of my portfolio in gold coins (I view gold as the 'cash' in my portfolio), and rebalance when the position is +/- 10% away from target. So when gold falls to 4.5% of my portfolio I buy ad...
by livesoft
Tue Jul 28, 2015 12:47 pm
Forum: Personal Consumer Issues
Topic: garage door opener resuscitation possible?
Replies: 23
Views: 831

Re: garage door opener resuscitation possible?

Do you still have its manual? The manual could have a clue.
by livesoft
Tue Jul 28, 2015 12:25 pm
Forum: Personal Consumer Issues
Topic: garage door opener resuscitation possible?
Replies: 23
Views: 831

Re: garage door opener resuscitation possible?

The motor and/or its circuitry has a little reset button and/or fuse. Did you look at those?
by livesoft
Tue Jul 28, 2015 12:19 pm
Forum: Investing - Theory, News & General
Topic: Mutual funds: Same Wine, different Labels?
Replies: 3
Views: 281

Re: Mutual funds: Same Wine, different Labels?

I think one of the major reasons to use index funds in separate asset classes is so that one will not have to post such rants on the anonymous internet forums. Perhaps we can be assured that the 3 funds in the so-called 3-fund portfolio would have completely different top 10 holdings. So would most ...
by livesoft
Tue Jul 28, 2015 12:15 pm
Forum: Personal Consumer Issues
Topic: Easy lunch brownbag ideas
Replies: 32
Views: 2880

Re: Easy lunch brownbag ideas

Thanks for the fresh posts to this thread. I'm eating the last of the salads I told you about. Although they were made identically on Friday, I added a different "leftover" to each one. Today's leftover is salmon from Sunday dinner. Zap it in the microwave to take the cold edge off and tos...
by livesoft
Tue Jul 28, 2015 11:53 am
Forum: Personal Consumer Issues
Topic: garage door opener resuscitation possible?
Replies: 23
Views: 831

Re: garage door opener resuscitation possible?

Whether the transmitter lost a code is easily checked. The switch on the wall bypasses the transmitter. Does the wall switch work? Usually there are other transmitters or cars that can be tried.
by livesoft
Tue Jul 28, 2015 11:50 am
Forum: Investing - Theory, News & General
Topic: A bit of gold?
Replies: 37
Views: 1525

Re: A bit of gold?

I get the impression that quite few folks buy gold, but don't do any rebalancing back to a specific asset allocation. That is, they buy bars or coins and put them in a safe at home or a safe deposit box at the bank, but never ever sell them when the value is high. Sometimes they take the gold out an...
by livesoft
Tue Jul 28, 2015 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Helping self-employed sister with retirement investment options
Replies: 5
Views: 275

Re: Helping self-employed sister with retirement investment options

Lots of threads on individual 401(k) for self-employed people. Here is one with posts from today:
viewtopic.php?f=2&t=169336

So contribute $18,000 plus up to another $35,000 depending on her self-employed income.
by livesoft
Tue Jul 28, 2015 11:37 am
Forum: Personal Consumer Issues
Topic: garage door opener resuscitation possible?
Replies: 23
Views: 831

Re: garage door opener resuscitation possible?

There's probably not much wrong with it. Unplug it from its power source and wait a little bit and plug it back it. It could also be that your current problem is completely unrelated to your recent actions. If an electronic component is burned out on a printed circuit board, I would guess one can fi...
by livesoft
Tue Jul 28, 2015 10:47 am
Forum: Investing - Theory, News & General
Topic: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?
Replies: 43
Views: 2012

Re: Anyone Have a Near Retirement Strategy for Sequence of Return Risk?

I used the same strategy as the OP. I went from about 62% equities to about 58% equities. That seems to be all I need to do for the rest of my life.
by livesoft
Tue Jul 28, 2015 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Revised! How to Invest Across Taxable & Tax-Deferred Account Types?
Replies: 7
Views: 694

Re: Revised! How to Invest Across Taxable & Tax-Deferred Account Types?

It appears the OP is living paycheck-to-paycheck and is very satisified with that. They intend to never retire and just keep working until the end. My advice is the same: Since simplicity seems more important that a few dollars in tax savings, why not just use LifeStrategy Moderate Growth fund in al...
by livesoft
Tue Jul 28, 2015 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Individual 401K
Replies: 44
Views: 1871

Re: Individual 401K

Can you comment on the process such as how long it took, paperwork, fees, etc? Also, what made you pick td over VG or fido or others? Did you use a TPA? Sure. It takes 5 minutes to talk with the TDAmeritrade folks and get the docs e-mailed to you. If you read the 80+ pages that can take a while. If...
by livesoft
Tue Jul 28, 2015 10:00 am
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting with periodic investment
Replies: 3
Views: 268

Re: Tax loss harvesting with periodic investment

Yes and you also have to turn off investments for the last 30 days. Opps! Not quite true. The OP is selling the shares purchased in the previous 30 days, so no wash sale from those shares. However, if those shares are not sold, then there would be wash sale. I suggest the OP use the web interface t...
by livesoft
Tue Jul 28, 2015 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Question on tax loss harvesting from the brokerage
Replies: 2
Views: 168

Re: Question on tax loss harvesting from the brokerage

I don't think I would characterize it as the "correct" way, but it is an interesting way with some merits. I would suggest just keeping the money within the same account if one can and to pick financial institutions where that is possible. Also, I would suggest being a little more flexible...
by livesoft
Tue Jul 28, 2015 5:46 am
Forum: Investing - Help with Personal Investments
Topic: Recent windfall - Currently 95% of assets in single stock - Tax and asset allocation advice appreciated
Replies: 58
Views: 3470

Re: Recent windfall - Currently 95% of assets in single stock - Tax and asset allocation advice appreciated

I wrote this about a donor-advised fund yesterday to save on taxes: If one is inclined to make charitable donations, then can this stock be donated to one's Donor-Advised Fund or other charities? Such a donation would mean no capital gains taxes and a deduction of the donation on Schedule A if one i...
by livesoft
Mon Jul 27, 2015 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Individual 401K
Replies: 44
Views: 1871

Re: Individual 401K

Interesting that you came to that conclusion. The 3 question marks leave a lot of things unanswered and some people are not interested in ETFs. So TD would have been my last choice, not the first choice. :happy I also opened an i401k with TDAmeritrade. I did read the whitecoatinvestor article. I th...
by livesoft
Mon Jul 27, 2015 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Individual 401K
Replies: 44
Views: 1871

Re: Individual 401K

You might not want to rollover a previous employer's 401k, because an employer 401k has full ERISA protection against creditors and an individual 401k does not. I wonder if that it always true. I opened a i401k and checked the box Yes to answer this question: "Does the employer intend to opera...
by livesoft
Mon Jul 27, 2015 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Stock -Very low cost basis
Replies: 13
Views: 1134

Re: Inherited Stock [held in a trust] -Very low cost basis

If one is inclined to make charitable donations, then can this stock be donated to one's Donor-Advised Fund or other charities? Such a donation would mean no capital gains taxes and a deduction of the donation on Schedule A if one itemizes. If one used a DAF, then one could make donations from that ...
by livesoft
Mon Jul 27, 2015 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting Strategies
Replies: 8
Views: 561

Re: Tax Loss Harvesting Strategies

And you know they've hit the bottom how? One never knows for sure until after the fact, but one can make educated guesses as packet has alluded to, so that shouldn't stop one from trying. At the present time, I have nothing to TLH partly because of the implementation of my TLH strategies. For insta...
by livesoft
Mon Jul 27, 2015 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting Strategies
Replies: 8
Views: 561

Re: Tax Loss Harvesting Strategies

I've mentioned this strategy before: I wait for any of my losers to hint their bottoms, then I tax-loss harvest them. The idea is that the replacement shares will be at their low for the year, too, so that I will not have to sell them. I don't like to sell, then sell again, then sell again, then sel...
by livesoft
Mon Jul 27, 2015 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: TLH partners for VG international funds?
Replies: 7
Views: 351

Re: TLH partners for VG international funds?

Actually, one should WANT the replacement shares to be very similar to the shares that were sold at a loss. There is absolutely no problem being too similar as far as I can tell since that's very desirable. However, the IRS does not want them to be "substantially identical" while not menti...
by livesoft
Mon Jul 27, 2015 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Recent windfall - Currently 95% of assets in single stock - Tax and asset allocation advice appreciated
Replies: 58
Views: 3470

Re: Recent windfall - Currently 95% of assets in single stock - Tax and asset allocation advice appreciated

And projections between those two "ends"? For instance, sell half this year and half early next year? And sell over 3 years?
by livesoft
Mon Jul 27, 2015 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Recent windfall - Currently 95% of assets in single stock - Tax and asset allocation advice appreciated
Replies: 58
Views: 3470

Re: Recent windfall - Currently 95% of assets in single stock - Tax and asset allocation advice appreciated

I don't see much reason to not try to accomplish this sale all in the rest of this year. It will put the OP in the highest tax bracket and the LTCG will be taxed at 23.9% while the rest of their income will get taxed quite a lot, too. If they spread the sales over two years, that won't save them any...
by livesoft
Mon Jul 27, 2015 11:05 am
Forum: Investing - Help with Personal Investments
Topic: How long until a $10,000 loss matters?
Replies: 39
Views: 3268

Re: How long until a $10,000 loss matters?

Since you have a $13 million portfolio, I don't think a $10,000 loss matters one iota.

FWIW, I think my portfolio at the end of today will probably be down 3% from mid-May. It won't be material to me until I am down about 30%.
by livesoft
Mon Jul 27, 2015 9:48 am
Forum: Investing - Help with Personal Investments
Topic: ETF Tax Loss Harvesting procedure
Replies: 3
Views: 176

Re: ETF Tax Loss Harvesting procedure

1. Place order to sell first ETF. 2. See that order executes, note amount of cash available in your account for buying. 3. Place order to buy second ETF. 4. See that order executes, note amount of cash used up by buying. It often takes less than 15 seconds to accomplish the above 4 things. I think y...
by livesoft
Sun Jul 26, 2015 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Recent windfall - Currently 95% of assets in single stock - Tax and asset allocation advice appreciated
Replies: 58
Views: 3470

Re: Recent windfall - Currently 95% of assets in single stock - Tax and asset allocation advice appreciated

A CPA knowledgable about US income taxes (not all of them are) should be able to tell you what amount of capital gains and your other income will cause you to pay 0%, 15%, 20%, or 23.8% or even higher tax rate on the realized capital gains. You could also figure this out yourself pretty easily. Then...
by livesoft
Sun Jul 26, 2015 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Recent windfall - Currently 95% of assets in single stock - Tax and asset allocation advice appreciated
Replies: 58
Views: 3470

Re: Recent windfall - Currently 95% of assets in single stock - Tax and asset allocation advice appreciated

notmyrealname wrote:The stock has and does pay dividends. We have declared them all in past years.

That's more intriguing. So you have owned these shares for at least two tax years, but never wanted to sell them until this year. Does the death of your benefactor have anything to do with your decision?
by livesoft
Sun Jul 26, 2015 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Recent windfall - Currently 95% of assets in single stock - Tax and asset allocation advice appreciated
Replies: 58
Views: 3470

Re: Recent windfall - Currently 95% of assets in single stock - Tax and asset allocation advice appreciated

Thanks for your input. The volume is about 25k shares a day average. I'm not sure to figure out the value of those trades, is that just the volume times the stock price? Yes, the value of those trades is volume (shares) times price_per_share. For example, take a look at the ticker RZV . It is an ET...
by livesoft
Sun Jul 26, 2015 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Recent windfall - Currently 95% of assets in single stock - Tax and asset allocation advice appreciated
Replies: 58
Views: 3470

Re: Recent windfall - Currently 95% of assets in single stock - Tax and asset allocation advice appreciated

Thank you. I am planning on hiring a CPA soon, even though I have done our taxes myself in the past. I think with this situation, a CPA would earn their fee several times over. I'm going to have to disagree. What does a CPA know about unloading a large single-stock asset? What should they know? For...
by livesoft
Sun Jul 26, 2015 9:54 pm
Forum: Investing - Theory, News & General
Topic: Falling Short: Prescription to Save Retirement
Replies: 5
Views: 1328

Re: Falling Short: Prescription to Save Retirement

Since Munnell is an author of the book in the OP, I thought I would link this article that also mentions her: http://www.fa-mag.com/news/how-a-harvard-economist-screwed-up--and-then-saved--her-retirement-22480.html This makes just about everything she has to say about retirement quite suspect in my ...
by livesoft
Sun Jul 26, 2015 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Revised! How to Invest Across Taxable & Tax-Deferred Account Types?
Replies: 7
Views: 694

Re: Critic my Location/Fund Strategy for Taxable/Tax-Deferred Accounts

It is not clear what your true tax situation is from your post. With the numbers you gave, there doesn't seem to be any advantage to using a tax-exempt muni bond fund, so you might as well use a LifeStrategy fund in taxable, too. Might as well start a Roth IRA or traditional IRA, too, and use a Life...
by livesoft
Sun Jul 26, 2015 8:51 pm
Forum: Personal Consumer Issues
Topic: Durability of consumer goods
Replies: 43
Views: 2114

Re: Durability of consumer goods

My expectations are quite a bit different from the OPs. Here are my 'expectations' for goods that are purchased in the moderate price range. I have added current ages of my goods in () Automobile - 15 years (oldest is 15 years and still going strong) Refrigerator - 30 years (22 years) Oven - my life...
by livesoft
Sun Jul 26, 2015 8:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Developed & Emerging Markets Indexes — Transition Details
Replies: 45
Views: 3098

Re: Vanguard's Developed & Emerging Markets Indexes — Transition Details

Thanks for the update. Surprisingly, I do not own either of these funds at the present time, so no change for me. I suppose I could look it up, but how do these other international funds play into these changes: VTIAX / VGTSX / VXUS / Total int'l index VFWAX / VFWIX / VEU / FTSE ex-US large VFSVX / ...
by livesoft
Sun Jul 26, 2015 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Lesson learned about RBD [Really Bad Day]
Replies: 29
Views: 2500

Re: Lesson learned about RBD [Really Bad Day]

^Nope, not the lsRBD strategy. I do not hold cash normally*. I do not wait for the RBD to buy. I rebalance on the RBD from bonds to equities. I rebalance back from equities to bonds, too. Cash and waiting have nothing to do with lsRBD. Also, I am not restricted to the S&P500. And I have no reaso...
by livesoft
Sun Jul 26, 2015 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Form 5500 - Ez questions
Replies: 8
Views: 599

Re: Form 5500 - Ez questions

When you use an adoption agreement from a provider, the related plan document has already been approved by the IRS, meaning they have determined that any option you choose based on the provisions of the institution's plan document has been accepted by them, and you don't need an individual determin...
by livesoft
Sun Jul 26, 2015 3:58 pm
Forum: Personal Consumer Issues
Topic: Vanguard Account Hacked
Replies: 22
Views: 2631

Re: Vanguard Account Hacked

Perhaps of interest to folks here: I was locked out of one of my brokerage accounts a while ago. I had to call to get my username changed and along with that a new password, etc. The fraud department had detected some activity that I was unaware of and would not explain to me what that activity was....
by livesoft
Sun Jul 26, 2015 3:40 pm
Forum: Investing - Theory, News & General
Topic: Edelman -- best days, worst days
Replies: 26
Views: 1922

Re: Edelman -- best days, worst days

That's so funny that I am not going to make a correction. :)

But the thread I linked shows that market timing works sometimes. ;)

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