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Re: Management of Investments

No this is not a good deal. No, a professional will not do a better job. I don't see why you cannot just create an asset allocation, implement it using Fidelity Spartan index funds, and then forget about it except maybe once or twice a year.
by livesoft
Thu Oct 02, 2014 12:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Management of Investments
Replies: 4
Views: 145

Re: Those under 35 with a child 5 or under: Costs of child?

I'm sorry we've lost the OP. In case he circles back, this is our situation: I think the OP figured out that they would need to get quotes for daycare in their locale if they are going that route. Perhaps we should have a competition for the best value in daycare? It just seems like some folks get ...
by livesoft
Thu Oct 02, 2014 12:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 53
Views: 3391

Re: first time TLH

For the international fund, I would use VFWAX instead of the developed markets. Do you see why? On VTSAX, one does not have to wait 30 days after purchase to avoid a wash sale. Sell that 09/05 position without worry. Instead of going to S&P500 index fund, I would recommend VLCAX because it has m...
by livesoft
Wed Oct 01, 2014 11:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: first time TLH
Replies: 1
Views: 136

Re: Best reduced risk fund for Roth IRA?

Maybe you should go to morningstar.com and chart/graph the "Growth of" Vanguard mutual funds in the different asset classes or composite funds? That "Growth of" chart should give you a very good sense of volatility and losses.
by livesoft
Wed Oct 01, 2014 11:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best reduced risk fund for Roth IRA?
Replies: 4
Views: 161

Re: final tweaks to my allocation

My idea: Just do it. You know you are going to lose money, but so what.
by livesoft
Wed Oct 01, 2014 11:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: final tweaks to my allocation
Replies: 2
Views: 101

Re: Index Fund Question

Just to expand on this a little bit...Is it a bad idea to have a a Target Retirement or Life Strategy fund in a taxable account because of their constant re-balancing? No, I don't think so at least not because of "constant re-balancing". One can look at the past distributions paid by thes...
by livesoft
Wed Oct 01, 2014 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Index Fund Question
Replies: 4
Views: 197

Re: Best reduced risk fund for Roth IRA?

I don't think there is anything that will keep up with inflation and not lose principal that one can put in a Roth IRA. There are some things called stable value funds, but not available as far as I know. CDs can go in a Roth IRA, but not I bonds.
by livesoft
Wed Oct 01, 2014 10:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best reduced risk fund for Roth IRA?
Replies: 4
Views: 161

Re: Index Fund Question

Yes, this is a reasonably good idea for a tax-advantaged account like a 401(k), 403(b), Roth IRA, or traditional IRA.

One can start with a Target Retirement fund, then exchange into a Life Strategy fund. There are many other possibilities, too.
by livesoft
Wed Oct 01, 2014 10:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Index Fund Question
Replies: 4
Views: 197

Re: When/how to rebalance?

There is excellent rebalancing info in the Bogleheads wiki. It can be hard to find a relevant page there though, but if I type into my search engine
bogleheads wiki rebalancing
I get
http://www.bogleheads.org/wiki/Rebalancing

That wiki page has some outstanding links to read.
by livesoft
Wed Oct 01, 2014 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: When/how to rebalance?
Replies: 4
Views: 173

Re: Best place to park my emergency funds

Welcome to the forum. The Bogleheads wiki is a good place to look for answers to questions. It can be hard to find a relevant page there though, but if I type into my search engine
bogleheads wiki emergency fund
I get
http://www.bogleheads.org/wiki/Emergency_fund
by livesoft
Wed Oct 01, 2014 10:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best place to park my emergency funds
Replies: 4
Views: 322

Re: should we all own a small cap fund?

Yep, we should all overweight small-cap equites. I use mainly VBR, VSS, and FSEVX to do so.
by livesoft
Wed Oct 01, 2014 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: should we all own a small cap fund?
Replies: 11
Views: 328

Re: Pull-ups and Push-ups

I think I can participate now. I cheated by losing weight so that makes it easier. I can now do 3 pull-ups. For push-ups I can do 3 sets of 25 pretty easily. I am doing crunches with 8 lb earrings (right and left). A noteworthy stat at least for me is resting heart rate averaged 42 for the month of ...
by livesoft
Wed Oct 01, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 331
Views: 41552

Re: Selling Stock question (Schwab)

Welcome to the forum. Have you called up Schwab and asked them? Folks around here say they have great customer service.
by livesoft
Wed Oct 01, 2014 8:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling Stock question (Schwab)
Replies: 2
Views: 135

Re: Buying more when markets are down

"Fully invested" means also being invested in fixed income, so one can buy more when the markets are down easily in an act of rebalancing.
by livesoft
Wed Oct 01, 2014 8:53 pm
 
Forum: Investing - Theory, News & General
Topic: Buying more when markets are down
Replies: 50
Views: 2555

Re: Why not 100% Stocks?

I use the bond part of my particule to buy equities when they down. I also use my portfolio to pay expenses, so I don't like to withdraw money from selling equities after they drop below what I paid for them. What would you do if you had to sell your equities for a lower price than you paid for them...
by livesoft
Wed Oct 01, 2014 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 16
Views: 962

Re: college related advice for 11th grader

travellight wrote:That video is hilarious, livesoft. How do you come up with this stuff?! I sent it to my son to add a little levity to what I'm sure is an evening of homework.

As long are you all are trying to game the admissions process, here is how College Admissions Office Finds Ideal Applicant[s]
by livesoft
Wed Oct 01, 2014 6:36 pm
 
Forum: Personal Consumer Issues
Topic: college related advice for 11th grader
Replies: 116
Views: 7659

Re: Saving for children's College education

Here is a recent thread about paying for children's college (do not be put off by the thread title): http://www.bogleheads.org/forum/viewtopic.php?f=10&t=146595 Here are some more tips for paying for college: Link I have two kids in college today. One costs all-in about $20K a year. For the othe...
by livesoft
Wed Oct 01, 2014 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Saving for children's College education
Replies: 2
Views: 338

Re: My 30-day trial experience with Betterment

So to those experienced with TLH (I am not but am interested) - does the Betterment system seem to work better than doing it yourself (I understand the 0.15% fee). I just have a simple taxable account with 3 funds (TSM, TISM, IT tax exempt) and would qualify for the TLH service at Betterment, but d...
by livesoft
Wed Oct 01, 2014 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: My 30-day trial experience with Betterment
Replies: 61
Views: 6016

Re: Investment Advice For High Net Worth 1mm+ Yearly Income

Several threads have been started by HNW folks asking similar advice. Here is a recent 5-page one:
viewtopic.php?f=1&t=145404
by livesoft
Wed Oct 01, 2014 5:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Advice For High Net Worth 1mm+ Yearly Income
Replies: 3
Views: 616

Re: W9 form

Probably. Perhaps they get some state and federal government contracts which stipulate this. It is certainly easier for a company to supply a blanket rule for everyone even one-time sub $100 folks than to worry about exceptions. Recently, Vanguard asked for W-9 with photocopies of documents, too. At...
by livesoft
Wed Oct 01, 2014 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: W9 form
Replies: 3
Views: 184

Re: Road Scholar: Your experience

Don't know about Road Scholar, but I have been all over Big Bend in many seasons and with and without children. That number seems rather expensive to me. I would suggest exloring on your own with a guide book and rental car. There limited options for rooms. In the park itself, there is the Chisos Ba...
by livesoft
Wed Oct 01, 2014 5:26 pm
 
Forum: Personal Consumer Issues
Topic: Road Scholar: Your experience?
Replies: 11
Views: 986

Re: Buying more when markets are down

Just a note: The RBD strategy does not hold cash out of the market waiting for a dip. One is fully invested at all times in equities and fixed income.
by livesoft
Wed Oct 01, 2014 3:06 pm
 
Forum: Investing - Theory, News & General
Topic: Buying more when markets are down
Replies: 50
Views: 2555

Re: When should someone "not stay the course"?

Right now I just want to throw as much money as I can at the market, in the hopes that it will grow to become a small fortune by retirement. As the saying goes, I ain't getting any younger. If you have money to throw at the market, then you are not 100% equities. That money you want to throw is par...
by livesoft
Wed Oct 01, 2014 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: When should someone "not stay the course"?
Replies: 43
Views: 2419

Re: Buying more when markets are down

There are a bunch of forum members that follow the so-called RBD strategy which helps tell one when and what to buy on market pullbacks. You might search the forum for lots of discussion about the RBD strategy. Of course, lots of others consider it market timing which it definitely is … unless you c...
by livesoft
Wed Oct 01, 2014 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: Buying more when markets are down
Replies: 50
Views: 2555

Re: college related advice for 11th grader

Here are some annual school rankings from a new source. Rachel Cole reports:
http://www.theonion.com/video/nations-p ... 0-p,35204/
by livesoft
Wed Oct 01, 2014 12:12 pm
 
Forum: Personal Consumer Issues
Topic: college related advice for 11th grader
Replies: 116
Views: 7659

Re: My 30-day trial experience with Betterment

So other than some emerging markets acquired years ago (which should have been harvested years ago) I don't see how any portfolio had much in the way of TLH opportunities. No algorithm no matter how fancy can harvest losses that don't exist. You got the emerging markets part correct, but no...
by livesoft
Wed Oct 01, 2014 11:35 am
 
Forum: Investing - Theory, News & General
Topic: My 30-day trial experience with Betterment
Replies: 61
Views: 6016

Re: My 30-day trial experience with Betterment

I didn't consider the numbers impressive anyways. Previously, in the this thread I noted what Boris of Betterment had stated which speaks I think to the ability to TLH without "sharp corrections" for accumulators and asset allocations of at least 70% equities. My personal case of TLH stems...
by livesoft
Wed Oct 01, 2014 10:53 am
 
Forum: Investing - Theory, News & General
Topic: My 30-day trial experience with Betterment
Replies: 61
Views: 6016

Re: Oatmeal suggestions

Instead of using water, why not something like a cup of Dr. Pepper soft drink? (I'm gonna try it tomorrow anyways.) I am eating oatmeal cooked in Dr Pepper instead of water now. I also added some cherry-flavored craisins. This breakfast tastes as good as any oatmeal breakfast that I have ever had. ...
by livesoft
Wed Oct 01, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 96
Views: 3252

Re: IRA Questions: Rollover vs. Traditional

The rollover IRA will interfere with the idea of the back-door Roth IRA. I'm sure this is explained somewhere in the wiki.
by livesoft
Tue Sep 30, 2014 10:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA Questions: Rollover vs. Traditional
Replies: 7
Views: 332

Re: Oatmeal suggestions

Well, I eat walnuts, blueberries, raisins, and bananas, but not oatmeal and I am sure that I am just as smart, rich, strong, handsome, and modest as jazztonight. That's scientific enough for me. :beer
by livesoft
Tue Sep 30, 2014 9:58 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 96
Views: 3252

Re: Oatmeal suggestions

Fallible wrote:You must not have read the last line in jazztonight's post above yours. :P

Right. I concluded that the rest of the stuff that jazztonight puts in his oatmeal is what gives him those results. He could dispense with the oatmeal leaving the rest and get the same results.
by livesoft
Tue Sep 30, 2014 9:36 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 96
Views: 3252

Re: Step by Step of Buying ETFs at Schwab

There is an entire thread on what to set a limit order at:
viewtopic.php?t=54994

And another thread: viewtopic.php?f=1&t=77439
by livesoft
Tue Sep 30, 2014 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Step by Step of Buying ETFs at Schwab
Replies: 14
Views: 502

Re: Step by Step of Buying ETFs at Schwab

There are not uncommon situations where your order will not be executed even if you submit a limit order at the asking price.
by livesoft
Tue Sep 30, 2014 8:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Step by Step of Buying ETFs at Schwab
Replies: 14
Views: 502

Re: Oatmeal suggestions

Apparently from those links, one has to eat about 2 cups of oatmeal a day for it to have any health benefits. Half a cup is not going to cut it.
by livesoft
Tue Sep 30, 2014 8:11 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 96
Views: 3252

Re: selling company stock after loss

Do you know about options and how to use them to protect (at a cost) what you have?

Also there are other deals that can be made in this situation, but also at a cost.
by livesoft
Tue Sep 30, 2014 7:53 pm
 
Forum: Investing - Theory, News & General
Topic: selling company stock after loss
Replies: 3
Views: 191

Re: Step by Step of Buying ETFs at Schwab

I have not bought ETFs at Schwab, but I imagine it is the same as at other brokers. Here is a link with screen captures of order entry at other brokers:
viewtopic.php?p=2101504#p2101504

and another:

viewtopic.php?p=2159802#p2159802
by livesoft
Tue Sep 30, 2014 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Step by Step of Buying ETFs at Schwab
Replies: 14
Views: 502

Re: Just inherited an IRA...how to incorporate into AA?

I have a small inherited IRA of low 4-figures. Since it is a small bit of our total portfolio (Unlike yours), I don't want it to grow that large because I want the RMDs to be small and thus the tax hit small. So I've just put in a total bond index fund and put it in set-and-forget mode. Since your i...
by livesoft
Tue Sep 30, 2014 6:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just inherited an IRA...how to incorporate into AA?
Replies: 3
Views: 342

Re: Reporter doing story on estate planning

Although I will not be interviewed, I would like to have this covered in any article: Does the step-up apply to all jointly-held assets of a married couple? That is, the surviving spouse gets ALL the jointly held-assets stepped up. My current understanding is that this is dependent on the state of r...
by livesoft
Tue Sep 30, 2014 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on estate planning
Replies: 3
Views: 544

Re: Oatmeal suggestions

Instead of using water, why not something like a cup of Dr. Pepper soft drink? (I'm gonna try it tomorrow anyways.)
by livesoft
Tue Sep 30, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 96
Views: 3252

Re: Very basic bond question

Go online to your Vanguard account. Click to where you get to a view of your fund page. Click on the Distributions tab. You should see a history of distributions. One can then surmise how distributions for a bond fund are paid out. Below is a view of VIPSX and it did not actually pay a distribution ...
by livesoft
Tue Sep 30, 2014 4:26 pm
 
Forum: Investing - Theory, News & General
Topic: Very basic bond question
Replies: 7
Views: 775

Re: Oatmeal suggestions

OK, based on this thread I ate oatmeal today as a 2nd breakfast. It seems a take-away from this thread is that oatmeal tastes so bad that one has to add good-tasting bad things to it to make it palatable. I'm gonna guess that those bad things are already added to instant oatmeal which is why instant...
by livesoft
Tue Sep 30, 2014 3:55 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 96
Views: 3252

Re: POLL: When I gift/will shares to my relatives, I expect

Thanks for all the responses. I really did expect a lot more votes for "… keep the shares for now and for future generations" based on other discussions on the forum. Did some folks get chased away?
by livesoft
Tue Sep 30, 2014 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: When I gift/will shares to my relatives, I expect ...
Replies: 24
Views: 1531

Re: When should someone "not stay the course"?

One is allowed to "not stay the course" only when forum member staythecourse gives one permission to not stay the course.
by livesoft
Tue Sep 30, 2014 3:36 pm
 
Forum: Investing - Theory, News & General
Topic: When should someone "not stay the course"?
Replies: 43
Views: 2419

Re: Vanguard Corporate Bond Funds

The one with more US Treasuries has less credit risk. The one with a shorter duration has less interest-rate risk. One can dial in any risk level they want by their choice of bond funds. There is really no way to know which risk will show up and when. As noted a few times in the forum, my rule-of-th...
by livesoft
Tue Sep 30, 2014 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Corporate Bond Funds
Replies: 3
Views: 499

Re: Bogleheads, help me be less afraid of international stoc

There seems to be a bit of downward momentum in international stocks nowadays.
by livesoft
Tue Sep 30, 2014 2:11 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, help me be less afraid of international stocks
Replies: 39
Views: 2048

Re: Lakefront property with small children?

We lived on the shoreline with the back patio about 30 feet from saltwater. There was no fence. In some storms, water came up to the back door. We didn't have any problems with our toddler and neither did any of the neighbors with their young children (newborn to age 5). I guess the thought never cr...
by livesoft
Tue Sep 30, 2014 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Lakefront property with small children?
Replies: 44
Views: 1900

Re: How can I stop feeling depressed about my finances?

I wonder if the OP didn't a get a callback from some of those interviews was because the OP was already making more money than the jobs would have paid. I know at my former company, technical writers would make under $30K to start with the kind of experience that the OP wrote about. And I saw this o...
by livesoft
Tue Sep 30, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: How can I stop feeling depressed about my finances?
Replies: 93
Views: 6114

Re: My paycheck.

One thing is that instead of contributing all that to the Roth 457, you could contribute the maximum to your Roth IRA first. That might give you more options going forward.
by livesoft
Tue Sep 30, 2014 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: My paycheck.
Replies: 11
Views: 1878

Re: My paycheck.

I would have stated the OP differently to say, "I am moving from taxable savings into tax-advantaged savings by payroll deduction and spending from taxable instead." I doubt you will owe any income taxes. I once heard that 47% of families do not pay income taxes. That's a very large minori...
by livesoft
Tue Sep 30, 2014 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: My paycheck.
Replies: 11
Views: 1878

Re: selling fund with correct cost basis method

If held at Vanguard, click on "Cost Basis", then "Details". Look at the "Capital gain/loss" column for subheadings Short-term and Long-term. That's before you sell the shares. After you sell the shares, you will need to click on tab "Realized gains & losses&quo...
by livesoft
Mon Sep 29, 2014 8:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: selling fund with correct cost basis method
Replies: 2
Views: 191
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