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Re: AA check

I am not a fan of listing a set of funds and saying the list of funds is an asset allocation. I prefer to use something like a Morningstar instant X-ray analysis to show an asset allocation. My reasoning is that I can then use whatever funds I want to fulfill that asset allocation. Those funds could...
by livesoft
Fri Aug 22, 2014 9:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA check
Replies: 5
Views: 221

Re: Is it worth tilting to International Small Cap?

Why are some of the posters in this thread so big on over-weighting international small cap? Would anyone also wish to overweight US small cap? I don't see what the difference is whether it's US or International; either way its tilting away from the total market approach. I think this is another wa...
by livesoft
Fri Aug 22, 2014 7:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it worth tilting to International Small Cap?
Replies: 14
Views: 893

Re: someone who claimed at 62 got an 8% increase this year

I thought folks were supposed to file and suspend or something like that, then if on your deathbed before age 70, quickly unsuspend and get all the back benefits.
by livesoft
Fri Aug 22, 2014 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: someone who claimed at 62 got an 8% increase this year
Replies: 19
Views: 1294

Re: A tax-deferred space dilemma

I read what you wrote and it seems overly complicated. If I try to simplify it down to one question, it might be: How much do I earmark for a deferred compensation plan? (after we contribute the maximum to 401(k), 403(b), 457). The company match of 3% doesn't count against your $17,500 limit. In a s...
by livesoft
Fri Aug 22, 2014 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: A tax-deferred space dilemma
Replies: 4
Views: 306

Re: Rain Jacket Recommendations

Sometimes umbrellas are great backpacking companions.
by livesoft
Fri Aug 22, 2014 3:16 pm
 
Forum: Personal Consumer Issues
Topic: Rain Jacket Recommendations
Replies: 24
Views: 1033

Re: Frequent Flyer Miles:Transfer, Gift or what...

I have at United. Works fine there.
by livesoft
Fri Aug 22, 2014 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Frequent Flyer Miles:Transfer, Gift or what...
Replies: 7
Views: 353

Re: Roth 401k option - Should I utilize?

What is your tax bracket NOW? I suspect it is high-ish and will go lower later on in life. I suggest that you contribute the max to your traditional 401(k) and do the back-door Roth IRA to get your Roth fix. If you are able to save/invest even more money, then do that in taxable so that you can use ...
by livesoft
Fri Aug 22, 2014 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k option - Should I utilize?
Replies: 7
Views: 361

Re: small cap: vb vs ijs vs des

It appears you have misconception about stock dividends and where they come from. They don't come out of thin air, but they come out of the stock value. Here's an attempt to explain it: Suppose you have five $1 bills in your right pocket and you pay yourself a $1 dividend out of that and put the div...
by livesoft
Fri Aug 22, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: small cap: vb vs ijs vs des
Replies: 7
Views: 548

Re: Do you take all of your allowed paid vacation time?

In my previous firm, vacation hours accrue up to a limit. Below the limit, hours roll forward each year. Above the limit one loses them. Those vacation hours are carried as a liability on the corporate books. If one leaves the employer, one will be paid for those accrued vacation hours. Folks might ...
by livesoft
Fri Aug 22, 2014 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 60
Views: 2455

Re: Is it worth tilting to International Small Cap?

Yes it is definitely worth it. 20% into VFSVX is too little. I think 50% of one's international allocation should be in VFSVX / VSS. This fund will be good in Roth, tax-deferred, or taxable. It is not particular tax-efficient, but it is not particularly tax-inefficient either. One will pay about 0.1...
by livesoft
Fri Aug 22, 2014 10:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Is it worth tilting to International Small Cap?
Replies: 14
Views: 893

Re: Moved from VBR to PXSV in tax Deferred this week

grap0013 wrote:Robert T,

Thanks for the additional insights on fund closures!

Yes indeed, thanks!
by livesoft
Fri Aug 22, 2014 9:57 am
 
Forum: Investing - Theory, News & General
Topic: Moved from VBR to PXSV in tax Deferred this week
Replies: 16
Views: 1025

Re: Trade short term TIPs for regular TIPs?

Are those serious questions? Do you really not know what is going on?
by livesoft
Fri Aug 22, 2014 7:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Trade short term VTIPs for regular TIPs?
Replies: 5
Views: 314

Re: just out of the gate, thanks for your help

In your tax bracket, I would max out both 403(b)s before considering Roth IRAs. Maybe even your 403(b) contributions can drop you into a lower tax bracket? You should fund the HSA before the Roths, too. You will have health care expenses and the HSA is the most desirable way to pay for those when on...
by livesoft
Fri Aug 22, 2014 4:24 am
 
Forum: Investing - Help with Personal Investments
Topic: just out of the gate, thanks for your help
Replies: 7
Views: 559

Re: small cap: vb vs ijs vs des

No, I'm saying VB is not value-tilted.

I personally do not want monthly dividends. What a pain. So I would not want to own that other one.
by livesoft
Thu Aug 21, 2014 10:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: small cap: vb vs ijs vs des
Replies: 7
Views: 548

Re: Pay cash for flight on sale, or use FF mileage quandry

I have the United card. How much would you charge on the card every year? I charge for about 60,000 miles worth, get the bonus miles for charging alot and use the 2 free airline club tickets, along with free baggage, too. There are other promotions as well. I got 50,000 free for about 5 minutes of c...
by livesoft
Thu Aug 21, 2014 10:15 pm
 
Forum: Personal Consumer Issues
Topic: Pay cash for flight on sale, or use FF mileage quandry
Replies: 6
Views: 606

Re: Using an advisor for fudiciary guidance

I would use frequent flyer miles and take a vacation day just to set up the lunch date. Let her pick the restaurant and tell her to make it special. That would probably really impress her about the seriousness of the lunch. It worked for me when I had to talk to sscritic in person which was a very p...
by livesoft
Thu Aug 21, 2014 9:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using [a 401(k)] advisor for fiduciary guidance
Replies: 25
Views: 1618

Re: Financial Advisor Compensation

If you place trades through your broker, they may skim some of the bid/ask spread or give you a poor execution. Otherwise, these folks can hope for the future when you pay them something. At least they know that your assets have not gone to a competing firm. The broker can claim a larger value for &...
by livesoft
Thu Aug 21, 2014 9:33 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Advisor Compensation
Replies: 30
Views: 1538

Re: Using an advisor for fudiciary guidance

Her husband probably works for John Hancock or maybe her sister does. In situations like this, I am usually not as direct as I am on an internet forum. I would take her to a nice lunch and discuss the following question "What would it take to get you to look at Fidelity, TD Ameritrade and other...
by livesoft
Thu Aug 21, 2014 7:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using [a 401(k)] advisor for fiduciary guidance
Replies: 25
Views: 1618

Re: Best one-stop company for renters/car/term life insuranc

Here are ratings done by tens of thousands of current holders of many types of insurance. Find the type you're looking for and be sure and pay attention to where they sell insurance. Many of the best are not nationwide. http://ratings.jdpower.com/insurance/index.htm Interesting thing about the jdpo...
by livesoft
Thu Aug 21, 2014 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best one-stop company for renters/car/term life insurance?
Replies: 15
Views: 837

Re: Reading Suggestions

It seems like you might have investing covered, so why not step away from a book directly about investing? I suggest some behavioral finance books, such as "Why Smart People Make BIg Money Mistakes" Gilovich and Belsky or Larry Swedroe's "Investment Mistakes Even Smart Investors Make ...
by livesoft
Thu Aug 21, 2014 6:45 pm
 
Forum: Investing - Theory, News & General
Topic: Reading Suggestions
Replies: 12
Views: 707

Re: Using an advisor for fudiciary guidance

That's too bad. Fidelity was a plus for us because our company has offices / workers in many different US states.

I don't see why the HR person cannot be "called out" on this. As in "Do your job."
by livesoft
Thu Aug 21, 2014 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using [a 401(k)] advisor for fiduciary guidance
Replies: 25
Views: 1618

Re: TSP funds in Morningstar Xray

I don't think so, but you can use the ticker symbols of equivalent funds as proxies.

Yes, your blue sounds reasonable.
by livesoft
Thu Aug 21, 2014 6:07 pm
 
Forum: Investing - Theory, News & General
Topic: TSP funds in Morningstar Xray
Replies: 2
Views: 289

Re: Good place to buy eyeglasses without insurance?

BTW, does anyone know if I can use my FSA funds for another pair of glasses in the same calendar year? No problem with that. Sometimes a plan requires an EOB with the denial of paying the claim. For example, try to claim the glasses with your insurance, they deny it, but send an EOB with that expla...
by livesoft
Thu Aug 21, 2014 4:38 pm
 
Forum: Personal Consumer Issues
Topic: Good place to buy eyeglasses without insurance?
Replies: 32
Views: 1542

Re: Good place to buy eyeglasses without insurance?

I ordered from http://www.saveeyewear.com which seems to be a front for a few online eyeglass places. I chose them because they (and their similar web sites) were the only folks who had the exact discontinued frame I wanted. The frame was the same frame as my existing glasses and I ordered sunglasse...
by livesoft
Thu Aug 21, 2014 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Good place to buy eyeglasses without insurance?
Replies: 32
Views: 1542

Re: Good place to buy eyeglasses without insurance?

I recently bought online, but it took awhile because the glasses came from Hong Kong. They were progressives, name-brand frame, add-ons. So if you buy online, be sure to be aware of time it takes.
by livesoft
Thu Aug 21, 2014 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Good place to buy eyeglasses without insurance?
Replies: 32
Views: 1542

Re: Great MarketWatch Article - 13 financial tips to live by

His editor probably deleted tips 14 through 50. :)

BTW, Jonathan Clements is accessible via e-mail. He has answered an e-mail that I have sent him. If you give him ideas to write about, he might just take you up on it. :)
by livesoft
Thu Aug 21, 2014 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Great MarketWatch Article - 13 financial tips to live by
Replies: 5
Views: 884

Re: New guy with questions about IRA, Roth, 401k

Sounds like you know more than you think you know. Your traditional IRA will impact the taxes you will have to pay on any Back Door Roth (contribute to traditional IRA, then convert to Roth IRA) because as you suspect the tIRA comes into play in a pro-rated way. For instance, you can convert part of...
by livesoft
Thu Aug 21, 2014 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: New guy with questions about IRA, Roth, 401k
Replies: 7
Views: 613

Re: A question about Sherry

It will not hurt you to drink it. It won't spoil or harbor bacteria, fungus, or other infectious agents.

You can mail it to me and I will taste it for you, if you like.
by livesoft
Thu Aug 21, 2014 3:16 pm
 
Forum: Personal Consumer Issues
Topic: A question about Sherry
Replies: 12
Views: 1009

Re: Moved from VBR to PXSV in tax Deferred this week

I think I did around 100K volume overall spread out over a few days. So that was you on August 4? You singlehandedly upped the average daily trading volume by a significant amount and fooled me. I now see that the daily trading volume can be a mere pittance. I retract what I wrote before about this...
by livesoft
Thu Aug 21, 2014 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: Moved from VBR to PXSV in tax Deferred this week
Replies: 16
Views: 1025

Re: Using an advisor for fudiciary guidance

@Alskar, our end-run around the face-to-face requirement was that participants could go to the local Fidelity office if they desired face-to-face counseling. I'm not saying the advice there would be Bogleheadish though.
by livesoft
Thu Aug 21, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using [a 401(k)] advisor for fiduciary guidance
Replies: 25
Views: 1618

Re: Using an advisor for fudiciary guidance

[…]People unfortunately need to be told what to do. […] So true. I've told this story before: I asked at a meeting, "How can we improve the 401(k) plan?" One participant said, "I just wish the plan had index funds that we can invest in." I was dumbfounded because at the time the...
by livesoft
Thu Aug 21, 2014 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using [a 401(k)] advisor for fiduciary guidance
Replies: 25
Views: 1618

Re: Moved from VBR to PXSV in tax Deferred this week

You got me to look at this. My thoughts are that this puppy will probably go away within 5 years because it doesn't have the volume to make it worthwhile. The average daily volume is now about $250,000 of PXSV. I will just say that if you don't hope to have more than $500,000 of small-cap value late...
by livesoft
Thu Aug 21, 2014 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: Moved from VBR to PXSV in tax Deferred this week
Replies: 16
Views: 1025

Re: Replicating VTSAX from my 401K

Wiki to the rescue: http://www.bogleheads.org/wiki/Approxim ... ock_market

But then again, maybe you would like to overweight mid/small caps?
by livesoft
Thu Aug 21, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Replicating VTSAX from my 401K
Replies: 4
Views: 492

Re: Kimchi

Funny you should ask.
by livesoft
Thu Aug 21, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Kimchi
Replies: 40
Views: 1770

Re: Value on Death: IRA type error

Call quick before their offices are closed. If you get this fixed now, maybe they won't make the same mistake for future customers.

Since it takes longer to post a message than to call, is there something bad about Vanguard customer service that you want to avoid?
by livesoft
Thu Aug 21, 2014 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Value on Death: IRA type error
Replies: 2
Views: 348

Re: Quitting HDHP mid-year - effect on HSA funding

Unfortunately I only have $7000 in there now, soon to be closer to $10000. In my world of math $7000 is more than $5000, so I don't understand the issue. 1.5% on $5000 is not too shabby nowadays. (0.2% interest paid on $5K, but only 0.1% on $4,925). What is your emergency fund invested in? Are you ...
by livesoft
Thu Aug 21, 2014 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quitting HDHP mid-year - effect on HSA funding
Replies: 7
Views: 425

Re: Quitting HDHP mid-year - effect on HSA funding

In order to stop paying the $5.50 a month, get your balance up to $4925 (or better $5000) at HSA bank. Simply sell something in TDAmeritrade, let the trade settle, the money market get filled, then transfer money back to the bank to avoid the fee. This week's article in the NYTimes on HSA plans: htt...
by livesoft
Thu Aug 21, 2014 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Quitting HDHP mid-year - effect on HSA funding
Replies: 7
Views: 425

Re: Quitting HDHP mid-year - effect on HSA funding

One can certainly contribute the pro-rated amount for the year, but not more. Be careful to include any employer contributions in the total amount contributed. For instance, some employers put $1000 or $500 or $$ into one's HSA even if one does not contribute to the HSA. That employer contribution c...
by livesoft
Thu Aug 21, 2014 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Quitting HDHP mid-year - effect on HSA funding
Replies: 7
Views: 425

Re: 401(k) plan setup- do you need an advisor?

You, the CEO, and the company will be personally liable even if you use an advisor. Current thoughts are that if you at least have the same/similar funds as the TSP, then you are golden and it would be impossible to be successfully sued. You may have missed this thread from yesterday and the links t...
by livesoft
Thu Aug 21, 2014 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) plan setup- do you need an advisor?
Replies: 3
Views: 433

Re: Seek advise on windfall cash and balancing

… It could take months to formulate a plan. Would it be wrong to invest the windfall cash before the allocation plan is completely formulated? I ask because I don't like the cash waiting around not earning $. 1. It should not take months. Maybe a week though. 2. I think it would be wrong to rush in...
by livesoft
Thu Aug 21, 2014 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice please, new to bonds, portfolio shifts
Replies: 3
Views: 405

Re: small cap: vb vs ijs vs des

These are different. Why did you zero in on these?

See also the links at http://www.altruistfa.com/dfavanguard.htm

I would not use VB since it is not value-tilted.
by livesoft
Thu Aug 21, 2014 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: small cap: vb vs ijs vs des
Replies: 7
Views: 548

Re: Vanguard International ETF's

in_reality wrote:VEA doesn't have Canada or small caps. Is there a small cap fund to pair with it?

I use SCZ for small-cap developed foreign.
by livesoft
Thu Aug 21, 2014 10:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard International ETF's
Replies: 7
Views: 467

Re: Using Credit Card to Pay Off Student Loans

Yep, I just paid fall tuition, room & board with a 2% cash-back card and the university did not charge any extra fee for that. I didn't realize that college could be so cheap.
by livesoft
Thu Aug 21, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Using Credit Card to Pay Off Student Loans
Replies: 24
Views: 1075

Re: Schwab Windhaven Funds vs Vanguard 3 Funds

It seems like Schwab is the place for US citizens who are not residents of the US*, so I see no reason to go back to Vanguard. Since you appear to be fully invested, there is no reason not to be fully invested even if you switch investments. So …. No reason to not to sell those current Schwab things...
by livesoft
Thu Aug 21, 2014 10:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Schwab Windhaven Funds vs Vanguard 3 Funds
Replies: 8
Views: 947

Re: Mixing life funds and other investment options

I am not opposed to this. My personal feeling is that people are afraid of math. Another possibility is that they set their asset allocation based on the names of their funds and not on the asset classes that they own. They use fund names because it may be easier than using a tool such as Morningsta...
by livesoft
Thu Aug 21, 2014 7:32 am
 
Forum: Investing - Theory, News & General
Topic: Mixing life funds and other investment options
Replies: 7
Views: 476

Re: Investment Allocation for 18 y/o

I have not heard of a 10% rule. Can you provide a link that says that please?
by livesoft
Wed Aug 20, 2014 9:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Allocation for 18 y/o [military]
Replies: 17
Views: 752

Re: American Funds Load Fees Question

I am a teacher and we are able to pick whatever funds we want so why wouldn't I be able to roll over my 403b to Vanguard if it is available to me? Very interesting. All I can say is: Go ahead and try. If it works, then great! Of the list of firms in your pdf, I think Vanguard is the best for you. N...
by livesoft
Wed Aug 20, 2014 9:37 pm
 
Forum: Investing - Theory, News & General
Topic: American Funds Load Fees Question
Replies: 3
Views: 403

Re: Cost, duration of grad school?

Lots of youtube videos on the subject, too. For instance, http://www.youtube.com/watch?v=obTNwPJvOI8
by livesoft
Wed Aug 20, 2014 9:18 pm
 
Forum: Personal Consumer Issues
Topic: Cost, duration of grad school?
Replies: 29
Views: 1313

Re: American Funds Load Fees Question

Generally, a 403(b) has only a certain set of funds that one can invest in. That means you may not be able to use Vanguard funds in your 403(b). The front-end load of some funds may or may not be waived in a 403(b) or 401(k). It may be nearly impossible to figure this out for your specific 403(b), b...
by livesoft
Wed Aug 20, 2014 8:54 pm
 
Forum: Investing - Theory, News & General
Topic: American Funds Load Fees Question
Replies: 3
Views: 403
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