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Re: Transfer wife's 401(k): most helpful broker for transfer

But I wonder why the transaction was not a 'direct' rollover where she did not have to endorse the check. Normally I avoid getting such rollover checks made out to me due to the IRS regulations...too much risk with that 60 day window, etc. When one has a very small employer that goes out of busines...
by livesoft
Fri Mar 06, 2015 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transfer wife's 401(k): most helpful broker for transfer?
Replies: 8
Views: 280

Re: Some advice regarding a small trade slip up

If this is in a taxable account, then I would wait the 30 days for no-commission and tax-loss harvest it. I am guessing you are using TDAmeritrade.

But in the long run, VEA and VEU are going to perform about the same as the difference is basically some large-cap emerging markets and Canada.
by livesoft
Fri Mar 06, 2015 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Some advice regarding a small trade slip up
Replies: 2
Views: 81

Re: Maintaining AA Across Multiple Accounts?

I explained how I do it in this thread: http://www.bogleheads.org/forum/viewtop ... 1&t=150267

It takes less than a minute to check that most of the time one does not need to rebalance.
by livesoft
Fri Mar 06, 2015 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Maintaining AA Across Multiple Accounts?
Replies: 6
Views: 160

Re: Taxable account has unrealized loss after increase in va

This is plausible.

Basically all the gains have mostly come in the form of dividends which are taxed every year. In some sense, the taxes paid are a stealth way of increasing the amounts invested since typically folks pay the taxes from other sources and do not cash in shares to pay the taxes.
by livesoft
Fri Mar 06, 2015 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxable account has unrealized loss after increase in value?
Replies: 10
Views: 319

Re: IRA transfer/401k rollover clarification

That is correct. Custodian-to-custodian transfers do not count against the limit and that includes when a custodian sends you a check made out to your IRA that you deposit in the IRA.
by livesoft
Fri Mar 06, 2015 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA transfer/401k rollover clarification
Replies: 3
Views: 96

Re: Taxable Retirement Account

There may be a better option that minimizes your taxes. That would be 100% equities in your taxable account with perhaps 2 fund: Total Stock Market Index and Total International Stock Market Index. You can buy I-bonds if you want some fixed income, too. Usually, one can withdraw 401(k) assets if the...
by livesoft
Fri Mar 06, 2015 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable Retirement Account
Replies: 3
Views: 254

Re: Parents:Have you had any luck teaching your kids about m

I think we have had some luck teaching kids about money. The oldest has a college degree, a job, a credit card, and is making loan payments to me for some college expenses. The other is still in college, already has a summer job lined up. I see no point in trying to teach anything when they are not ...
by livesoft
Fri Mar 06, 2015 1:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Parents:Have you had any luck teaching your kids about money
Replies: 14
Views: 495

Re: Vanguard PAS vs. Portfolio Solutions?

I have no experience with either of these firms. However, I would think that their investment philosophies would probably be different. If my philosophy aligned with one firm or the other better, then that would take priority over the small difference in cost. So are you are Total Market Weights kin...
by livesoft
Fri Mar 06, 2015 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard PAS vs. Portfolio Solutions?
Replies: 1
Views: 115

Re: Emergency Cash Advice 2015

Livesoft I never considered that I wouldn't need an emergency fund. In other words you are fully invested and just sell some of your funds when you need cash. I'm assuming you have a checking account to transfer in and out of your balanced fund? Yes, if I run out of money to pay for things, then I ...
by livesoft
Fri Mar 06, 2015 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emergency Cash Advice 2015
Replies: 6
Views: 861

Re: 401k Question

My company had the last-day rule. If you were not an employee on 12/31, then you got no match.
by livesoft
Fri Mar 06, 2015 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: 401k Question
Replies: 3
Views: 219

Re: Woe is Wellesley!

Not much international probably. International has been doing better than US equities this year.

Also bonds have gone up and down depending on interest rates. It is pretty well known what bonds do when interest rates change.
by livesoft
Fri Mar 06, 2015 10:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Woe is Wellesley!
Replies: 4
Views: 775

Re: Transfer wife's 401(k): most helpful broker for transfer

My spouse rolled over to TDAmeritrade where we already had accounts. Her former employer sent a check via UPS which arrived at the front door. My spouse endorsed it and I took to the local TDAmeritrade office. It probably doesn't matter, but the check was a significantly larger amount than the amoun...
by livesoft
Fri Mar 06, 2015 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Transfer wife's 401(k): most helpful broker for transfer?
Replies: 8
Views: 280

Re: Washing Dress Shirts

@cheese_breath, BB shirts are 100% cotton. I wear slim fit, have a very flat stomach, and do not worry about shrinkage since then my abs show better. :D

None of my shirts have ever been to a dry cleaner in my life.
by livesoft
Fri Mar 06, 2015 10:07 am
 
Forum: Personal Consumer Issues
Topic: Washing Dress Shirts
Replies: 22
Views: 802

Re: Wife's Company Bought Out, Old 401k in limbo

My spouse's company was bought out. The new company wanted nothing to do with the old 401(k) and a check appeared on the doorstep for the full amount. She put in an IRA. That doesn't help you too much, but I think the money will not disappear. She really has to talk to her new employer. If she will ...
by livesoft
Fri Mar 06, 2015 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Wife's Company Bought Out, Old 401k in limbo
Replies: 3
Views: 201

Re: Washing Dress Shirts

I've always just washed my no-iron BrooksBrothers shirts with T-shirts and underwear. I generally will wash jeans and heavier things separately with the zippers / fly zipped up and buttoned. I don't want the zippers scuffing up the other clothes. I found it just doesn't matter when one uses cold, wa...
by livesoft
Fri Mar 06, 2015 9:50 am
 
Forum: Personal Consumer Issues
Topic: Washing Dress Shirts
Replies: 22
Views: 802

Re: Reporting Foreign Tax Credit for Total International (VT

Just like with regulard dividends from other mutual funds, there are ordinary dividends and its subset qualified ordinary dividends. The Vanguard web site states: "Note: The foreign income percentage for this fund was 100%." So you want to put down ALL the income on your 1099-DIV which is ...
by livesoft
Fri Mar 06, 2015 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Reporting Foreign Tax Credit for Total International (VTIAX)
Replies: 8
Views: 318

Re: Sedan or SUV

A car is a personal choice. I would hate to impose upon my spouse to make her buy a car chosen by an internet forum.
by livesoft
Fri Mar 06, 2015 8:49 am
 
Forum: Personal Consumer Issues
Topic: Sedan or SUV
Replies: 18
Views: 788

Re: Too late to invest in Health Care Fund?

I'm wondering why you think buying this fund helps one diversify a bit. Does it not simply give one an overweight in the health/pharma sectors that one already has? What you wrote about "always needed and in demand" applies to many things such as autos, banks, energy, NFL, phones, computer...
by livesoft
Fri Mar 06, 2015 8:39 am
 
Forum: Investing - Theory, News & General
Topic: Too late to invest in Health Care Fund?
Replies: 6
Views: 346

Re: How do you decide when to buy car?

1. Is current car less than 10 years old? 4. Is this the year we are using the standard deduction? Yes. Stop here. What effect does this have? Do you donate your old car? Let me take a stab... claiming state and local sales taxes during a year they are itemizing? Especially if it is a Lexus. That's...
by livesoft
Fri Mar 06, 2015 8:32 am
 
Forum: Personal Consumer Issues
Topic: How do you decide when to buy car?
Replies: 32
Views: 1575

Re: Do you invest money you owe for taxes?

Since I do not keep any cash around, yes, I invest money if I owe for taxes. And if I get refund, I just tell myself that I would have invested that money in whatever lost money last year anyways, so the IRS prevented me from losing more money. In my hands and brain, money is truly fungible. Why hav...
by livesoft
Fri Mar 06, 2015 8:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you invest money you owe for taxes?
Replies: 7
Views: 354

Re: questions about portfolio

How and what do i compare my portfolio to to see how this advisor did for us since we had them? Thanks This will not necessarily be easy. If you know how to use Excel, then use the XIRR() function. For ALL your transactions. Otherwise, download the free MS Money sunset edition on to a Windows compu...
by livesoft
Fri Mar 06, 2015 7:17 am
 
Forum: Investing - Help with Personal Investments
Topic: questions about portfolio
Replies: 11
Views: 513

Re: How do you decide when to buy car?

1. Is current car less than 10 years old?
Yes. Stop here.

2. Is current car under 200,000 miles?
Yes. Stop here.

3. Is current car still drivable?
Yes. Stop here.

4. Is this the year we are using the standard deduction?
Yes. Stop here.

5. We can buy a car this year.
by livesoft
Thu Mar 05, 2015 10:19 pm
 
Forum: Personal Consumer Issues
Topic: How do you decide when to buy car?
Replies: 32
Views: 1575

Re: How can I follow the mid-day progress of the 4500 comple

I'd like to know how the VEXMX is doing in the middle of the day. Is there a proxy that I can follow? Although you got your answer, this thread shows the failure or obtuseness of the Vanguard web site. If one goes to Vanguard.com and types in VEXMX in the search box, one quickly gets to this: http:...
by livesoft
Thu Mar 05, 2015 10:10 pm
 
Forum: Investing - Theory, News & General
Topic: How can I follow the mid-day progress of the 4500 completion
Replies: 4
Views: 383

Re: not sure about my adviser

I can truthfully write that the 3-5 fund concept is definitely scalable.
by livesoft
Thu Mar 05, 2015 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: not sure about my adviser
Replies: 54
Views: 3542

Re: Replacing Filters: Time vs. Usage

It is probably a little bit of both. Unless you have nuclear fusion or fission going on in the filters the atoms are not changing composition, however, some chemistry probably happens. I'll assume by refrigerator filter, you mean the activated charcoal filter for the ice maker? Bacteria, mold, and f...
by livesoft
Thu Mar 05, 2015 9:22 pm
 
Forum: Personal Consumer Issues
Topic: Replacing [Oil] Filters: Time vs. Usage
Replies: 18
Views: 754

Re: questions about portfolio

I think one reason they do this is to make it seem very complicated to manage a portfolio and thus get clients to buy into the idea that they could never do this on their own because it is way too complicated. The more complicated they can make it look, the more clients may think they are getting va...
by livesoft
Thu Mar 05, 2015 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: questions about portfolio
Replies: 11
Views: 513

Re: 3 Costs Investors Must Control

I did tax-cost calculations for some funds in my portfolio for 2014: For VBR (Small-cap value index) the tax cost was 0.34%. For VTI (total US stock market index) the tax cost was 0.29%. For VSS (FTSE all-world ex-US small) the tax cost was 0.34%. So small-cap value was an additional 0.05% tax cost ...
by livesoft
Thu Mar 05, 2015 8:07 pm
 
Forum: Investing - Theory, News & General
Topic: 3 Costs Investors Must Control
Replies: 40
Views: 2768

Re: Tax Help

Yep, just adjust your W-4. Easiest thing is probably just to have an extra $125 taken out per paycheck for the rest of the year. That's Line 6 on a W-4. Submit to payroll tomorrow.
by livesoft
Thu Mar 05, 2015 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Help
Replies: 4
Views: 243

Re: Emerging Market Stocks & Oil Prices, 1997-2015

How about some correlations to some specific ETFs. There seems to be a dichotomy between large and small emerging markets stocks nowadays. Also not all small-cap EM ETFs are the same. For instance, DGS was down today while EWX was up.
by livesoft
Thu Mar 05, 2015 6:17 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging Market Stocks & Oil Prices, 1997-2015
Replies: 12
Views: 842

Re: Why not to use etrade!

Don't forget that one has to SIGN UP for the no-commission ETF deal at TDAmeritrade. It doesn't happen simply because you open and fund an account. Also note, that the "no commission" deal has some strings attached such as hold the shares for 30-days. Since a few brokers have no commission...
by livesoft
Thu Mar 05, 2015 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not to use etrade!
Replies: 10
Views: 1003

Re: Break room conversation about investing and Oil

The best part about this is that you can ask later about all the money your colleague made in UCO. :twisted:
Clearly, from the daily volume in 2015 traders are going in/out of this baby and no one is holding.
by livesoft
Thu Mar 05, 2015 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Break room conversation about investing and Oil
Replies: 9
Views: 611

Re: not sure about my adviser

40 transactions in a year may not be excessive for someone contributing to 9 funds every 2 weeks because of paycheck deduction. Nevertheless, it is long past time to move on.
by livesoft
Thu Mar 05, 2015 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: not sure about my adviser
Replies: 54
Views: 3542

Re: Good career for woman mid 30's?

I know of a couple of empty nesters that went back and got a degree in nursing.
by livesoft
Thu Mar 05, 2015 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Good career for woman mid 30's?
Replies: 30
Views: 2517

Re: 3 Costs Investors Must Control

Ah, yes, thanks for the reminder. I had a thread on de-alphaing: viewtopic.php?f=10&t=157683
by livesoft
Thu Mar 05, 2015 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: 3 Costs Investors Must Control
Replies: 40
Views: 2768

Re: 3 Costs Investors Must Control

The Dalbar studies have been disputed. Even the link you cited has the caveat "if accurate."

See also: http://www.bogleheads.org/forum/viewtopic.php?t=70723

But give us something more than Dalbar, please.
by livesoft
Thu Mar 05, 2015 3:19 pm
 
Forum: Investing - Theory, News & General
Topic: 3 Costs Investors Must Control
Replies: 40
Views: 2768

Re: 3 Costs Investors Must Control

alex_686 wrote:Evidence suggest otherwise. Those who have advisers outperform those who do not by 3% a year.

Does that "evidence" come from JPMorgan? -> We tried to recreate JPMorgan's mutual fund returns and just gave up.
by livesoft
Thu Mar 05, 2015 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: 3 Costs Investors Must Control
Replies: 40
Views: 2768

Re: 3 Costs Investors Must Control

It doesn't appear that the article touches on the tax drag of international funds in tax-advantaged accounts. This seems to be a point not understood by many, including myself, and more discussion would be helpful. Foreign taxes on one's mutual fund shares are not something that one can control nor...
by livesoft
Thu Mar 05, 2015 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: 3 Costs Investors Must Control
Replies: 40
Views: 2768

Re: $60,000 for 2 Year Old - Where to Invest Re: Kiddie Tax

The small-cap value fund is about as tax-efficient as the Total Stock Market Index fund, but may not remain so. While that SCV fund is my largest single holding in taxable, I'd recommend you use the TSM fund instead. If you want no dividends to be paid, think about BerkshireHathaway. And if this is ...
by livesoft
Thu Mar 05, 2015 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: $60,000 for 2 Year Old - Where to Invest Re: Kiddie Tax
Replies: 16
Views: 1547

Re: Study looks at millionaires-in-the-making: Are you one?

I didn't seen anything special about the survey. For instance, if they had surveyed the general population I would not be surprised if they found out that close to half the population was female. Nor would I be surprised to find that some folks worked in "information technology, medical fields,...
by livesoft
Thu Mar 05, 2015 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Study looks at millionaires-in-the-making: Are you one?
Replies: 2
Views: 947

Re: 3 Costs Investors Must Control

We find that to the average investor, the value premium has largely been an illusion. Although the buy-and-hold average returns for value mutual funds have outperformed the market portfolio, the dollar-weighted average returns of these same funds meaningfully underperformed the market portfolio. Pu...
by livesoft
Thu Mar 05, 2015 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: 3 Costs Investors Must Control
Replies: 40
Views: 2768

Re: 3 Costs Investors Must Control

Mr Ferri talks about a paper by Hsu et al. and writes this about Behavioral Costs: The authors state the exact reason for this pattern is beyond the scope of their paper, however, they wrote “investors who invest in high expense ratio funds might, on average, be less financially knowledgeable or do ...
by livesoft
Thu Mar 05, 2015 11:50 am
 
Forum: Investing - Theory, News & General
Topic: 3 Costs Investors Must Control
Replies: 40
Views: 2768

Re: Foreign ETF

Use VEU then. I own it. There are some non-Vanguard ETFs, but I would not own them due to their low average daily volume.

See also: viewtopic.php?f=1&t=153841
by livesoft
Thu Mar 05, 2015 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Foreign ETF
Replies: 1
Views: 106

Re: Question about Beneficiaries on IRA's

My neighbor had a secret family, so he was married to two spouses at the same time. He probably had his 401(k) set up correctly though since he worked for a 401(k) company. :twisted:
by livesoft
Thu Mar 05, 2015 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Question about Beneficiaries on IRA's
Replies: 7
Views: 508

Re: Acct maintenance - Statements - Confirmation emails???

I delete those e-mails. I only download and print-out one statement at year-end.
by livesoft
Thu Mar 05, 2015 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Acct maintenance - Statements - Confirmation emails???
Replies: 12
Views: 492

Re: Phillip Morris International PM

I gave away all our shares to charity last year because we ain't gonna be in that tax bracket anymore. The dividends were killing me tax-wise. My advice is to get rid of it ... Where are the socially conscious investors when you need them? :P … by giving the shares to the American Cancer Society.
by livesoft
Thu Mar 05, 2015 10:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Phillip Morris International PM
Replies: 5
Views: 303

Re: Tax payment for interest on joint accounts if unmarried?

There are a number of possibilities. I suggest that whoever has their social security number on the 1099 that may come declares the income. You all can have mulitple accounts and put different person first if you like. One person can also give the other person a 1099 for "nominee interest"...
by livesoft
Thu Mar 05, 2015 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax payment for interest on joint accounts if unmarried?
Replies: 6
Views: 296

Re: Elect 75% of take-home pay to 401k?

As noted it depends on company match. My company did a true-up at year-end, so I contributed 75% of pay in the first few months of the year. My spouse's company does not do a true-up and only matches per-paycheck, so she contributes just enough for full match throughout the year, but front-loads ano...
by livesoft
Thu Mar 05, 2015 9:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Elect 75% of take-home pay to 401k?
Replies: 35
Views: 1510

Re: Check your HSA Bank Statement!

So no $3 fee on my statements (Jan, Feb), but a $3 fee on my March activity. I will let you all get this fixed for me. Thanks!
by livesoft
Thu Mar 05, 2015 9:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Check your HSA Bank Statement!
Replies: 10
Views: 1303

Re: expat teacher no pension question about saving fo retire

I would not buy a home early.

You asked "Do/will we have enough?" Use the calculators at www.firecalc.com and www.cfiresim.com in order to help answer that question.
by livesoft
Thu Mar 05, 2015 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: expat teacher no pension question about saving fo retirement
Replies: 4
Views: 461
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