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Re: Have a million to transfer, thinking of doing 100% stock

Think of it this way; if the market crashed or dipped, you wouldn't want to be selling any stock at a loss, even though you have a lot of money. I sure would be selling equities at a loss if the market crashed if those equities were held in a taxable account. I would certainly be doing the tax-loss...
by livesoft
Sat Jul 26, 2014 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Have a million to transfer, thinking of doing 100% stocks
Replies: 17
Views: 1418

Re: Have a million to transfer, thinking of doing 100% stock

Spewin wrote: I'm curious why you are suggesting this as something that will change the OP's mind.

You got me. It was a ploy to encourage further book research by the OP. I think it was going to work until someone butted in. :twisted:
by livesoft
Sat Jul 26, 2014 10:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Have a million to transfer, thinking of doing 100% stocks
Replies: 17
Views: 1418

Re: Anyone get running shoes from DSW???

I bought some sandals at DSW this past week. I don't see a problem buying whatever brand/model you like from any particular store … they should be the same everywhere. Are you thinking that DSW has fake brands? I don't think so. I think shoes are shoes. Don't get caught up in any hype. A $50 pair of...
by livesoft
Sat Jul 26, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Anyone get running shoes from DSW???
Replies: 2
Views: 155

Re: What is it like to live in Charlottesville, VA?

It's very, very nice.

The con for me is that it is too far from a major airline hub.
by livesoft
Sat Jul 26, 2014 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: What is it like to live in Charlottesville, VA?
Replies: 1
Views: 75

Re: Advice wanted on first computer purchase since 1982!

Another aspect that you need to learn is how to backup and restore your computer - that's two things. Don't get caught in the trap of running the backup and never understanding how to restore the data. While everything is still fresh in your mind, run a backup. Then, delete something and figure out...
by livesoft
Sat Jul 26, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: Advice wanted on first computer purchase since 1982!
Replies: 79
Views: 2971

Re: Need advice choosing fund for college expenses (not 529)

^I like that tip. Maybe add to it that a different parent should own the separate 529 plans, so that IRS account aggregation rules do not come into play.
by livesoft
Sat Jul 26, 2014 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Need advice choosing fund for college expenses (not 529)
Replies: 13
Views: 464

Re: ETFs under performing compared to Index admiral shares ?

Some database(s) changed overnight since my first post to this thread. Same charts are different this morning. It looked like the price of VGSIX had not been updated for the charting tools even though the price quote had been updated. So the quote said one thing, but the chart said another. Chart an...
by livesoft
Sat Jul 26, 2014 8:28 am
 
Forum: Investing - Theory, News & General
Topic: ETFs under performing compared to Index admiral shares ?
Replies: 6
Views: 451

Re: Pay Taxes Now or Later

If you will remain in a high tax bracket and keep working until age 65 and beyond, then pay taxes now.

If you are investing lots in a joint taxable account and intend to retire around age 50, then pay taxes later.
by livesoft
Sat Jul 26, 2014 8:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Pay Taxes Now or Later
Replies: 6
Views: 362

Re: Advice wanted on first computer purchase since 1982!

System preferences Trackpad Point&Click -> Check Tap to click, Secondary click and Lookup. Make Tracking speed fast, so cursor goes from one side of display to other without removing finger from the trackpad (so you don't have to swipe, swipe, swipe) Scroll&Zoom -> check all boxes More gestu...
by livesoft
Sat Jul 26, 2014 1:06 am
 
Forum: Personal Consumer Issues
Topic: Advice wanted on first computer purchase since 1982!
Replies: 79
Views: 2971

Re: ETFs under performing compared to Index admiral shares ?

Let me reiterate: Dividends. By convention, mutual funds performance and charting almost always shows total return with diistributions reinvested while ETFs performance and charting is almost always done solely on price. For some fun, open 2 browser windows on your computer and go to morningstar.com...
by livesoft
Sat Jul 26, 2014 12:41 am
 
Forum: Investing - Theory, News & General
Topic: ETFs under performing compared to Index admiral shares ?
Replies: 6
Views: 451

Re: Help me save my parents from Merrill Lynch

Vanguard will manage their assets for them for a small fee, so if they wish to pay a small fee perhaps they can just pay it to Vanguard?
by livesoft
Sat Jul 26, 2014 12:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me save my parents from Merrill Lynch
Replies: 12
Views: 974

Re: Public Speaking-help

Is there any chance that you can delegate this task to someone else?
by livesoft
Fri Jul 25, 2014 11:56 pm
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 32
Views: 820

Re: "What Has Time Taught Bill Bernstein?"

Rodc wrote:People crave certainty, and math gives them a feeling of certainty they don't really have. That is not good.

Most people who studied math including most engineers never got so far as to understand Bayes' Theorum which helps one understand lack of certainty, but also maximum likelihood.
by livesoft
Fri Jul 25, 2014 11:46 pm
 
Forum: Investing - Theory, News & General
Topic: "What Has Time Taught Bill Bernstein?"
Replies: 19
Views: 3513

Re: Have a million to transfer, thinking of doing 100% stock

Would you mind doing a little research on the "efficient frontier"? Can you find research that says that a small percentage of bonds actually will give you same or better performance with less risk than a 100% equity portfolio? If your retirement accounts have bonds/fixed income, then 100%...
by livesoft
Fri Jul 25, 2014 9:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Have a million to transfer, thinking of doing 100% stocks
Replies: 17
Views: 1418

Re: Whats a Better Lot in a Tract Home Neighborhood?

If one goes to maps.google.com then to fishers indiana, there are some photos of pond with fountain, a boring retention pond, and other views. The pond with fountain is nice except for the engineered rocks around the edges would destroy all the fun kids could have and would be perfect to twist an an...
by livesoft
Fri Jul 25, 2014 8:59 pm
 
Forum: Personal Consumer Issues
Topic: Whats a Better Lot in a Tract Home Neighborhood?
Replies: 23
Views: 1222

Re: Knowledge gaps + anxiety = shame; gender and investing

Now on the TIAA-CREF home page:
TIAA-CREF survey shows women and low earners are most likely to pass up free money from employers
by livesoft
Fri Jul 25, 2014 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: Knowledge gaps + anxiety = shame; gender and investing
Replies: 77
Views: 5298

Re: help with inherited IRA

A good asset allocation for an inherited IRA will depend mostly on the rest of your portfolio which you didn't give us.
by livesoft
Fri Jul 25, 2014 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: help with inherited IRA
Replies: 6
Views: 399

Re: Blog:Vanguard mutual fund brokerage commission expense

Anybody worried about brokerage commission expense before has no reason to worry anymore.
by livesoft
Fri Jul 25, 2014 8:15 pm
 
Forum: Investing - Theory, News & General
Topic: Blog:Vanguard mutual fund brokerage commission expense
Replies: 6
Views: 508

Re: Advice wanted on first computer purchase since 1982!

Macs have a trivial backup called Time Machine. Just plug in one of those $69 1terabyte drives and see what happens.
by livesoft
Fri Jul 25, 2014 8:11 pm
 
Forum: Personal Consumer Issues
Topic: Advice wanted on first computer purchase since 1982!
Replies: 79
Views: 2971

Re: Whats a Better Lot in a Tract Home Neighborhood?

I lived on a corner once as well. Sidewalks both sides. Snow shoveling was quite the winter problem in northern Europe. I would avoid living on a corner lot myself, too. As for kids and ponds or kids and woodlands, both can be dangerous. The folks with lots that back up to either should have fences....
by livesoft
Fri Jul 25, 2014 8:03 pm
 
Forum: Personal Consumer Issues
Topic: Whats a Better Lot in a Tract Home Neighborhood?
Replies: 23
Views: 1222

Re: Does severance pay reduce or relace unemployment benefit

Generally yes. I think because every severance package is different, the State cannot have truly blanket statement. For example, if the severance pay is less than unemployment benefits, probably one would get the difference. However, if the pay is more than unemployment benefits, one would not get t...
by livesoft
Fri Jul 25, 2014 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does severance pay reduce or relace unemployment benefits?
Replies: 12
Views: 725

Re: Vanguard eliminates transaction fees on Int'l small cap

This will probably mean that VSS will trade closer to the NAV, too. Maybe that's why VSS closed up today when others closed down. :)
by livesoft
Fri Jul 25, 2014 7:23 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard eliminates fee on FTSE All-World ex-US Small-Cap
Replies: 8
Views: 1043

Re: Do you split your VEU (into VEA+VWO) & VEA (into VGK+VPL

I bought all the SCZ I own before SCHC came on to the scene, so I am "stuck" with its unrealized capital gains. I'm not complaining though. While Schwab makes SCHC have a lower expense ratio, Schwab does not help it have a higher average daily volume. SCHC does not meet my criteria for dai...
by livesoft
Fri Jul 25, 2014 7:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you split your VEU (into VEA+VWO) & VEA (into VGK+VPL)?
Replies: 37
Views: 1634

Re: equal asset location and rebalancing

Don't forget about carryover losses that can be used to offset any realized gains. I know that I could be rebalancing for the next 30 years and not pay any cap gains taxes if I also did the other things mentioned as well.
by livesoft
Fri Jul 25, 2014 7:07 pm
 
Forum: Investing - Theory, News & General
Topic: equal asset location and rebalancing
Replies: 6
Views: 425

Re: Do you split your VEU (into VEA+VWO) & VEA (into VGK+VPL

grabiner wrote:However, I also wanted to make the point that SCZ, even though it has a lower expense ratio than VSS, is not less expensive in the context of a full portfolio.

What are the expense ratios of these ETFs? I think VSS has an e.r. that is half that of SCZ and about the same as SCHC.
by livesoft
Fri Jul 25, 2014 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you split your VEU (into VEA+VWO) & VEA (into VGK+VPL)?
Replies: 37
Views: 1634

Re: 401k rollover screw up, what to do

Be very careful about those e.r. Principal is well-known for tacking on an extra administrative fee beyond the published expense ratios. I've never heard of a Principal plan with vanguard funds at low expense ratios. I've heard of Principal plans with Vanguard funds with high expense ratios. However...
by livesoft
Fri Jul 25, 2014 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k rollover screw up, what to do
Replies: 10
Views: 558

Re: advise for 24 y/o who just bought Index Universal Life

Google: "Don't buy life insurance from a friend"
by livesoft
Fri Jul 25, 2014 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: advise for 24 y/o who just bought Index Universal Life
Replies: 14
Views: 737

Re: Whats a Better Lot in a Tract Home Neighborhood?

Cul-de-sacs have low walkability, but if you have kids they are great because of low traffic. I live on a cul-de-sac with a sidewalk between the houses at the dead-end. Highly walkable with folks taking the "short-cut" on their bikes or shoes often. And ponds with fountains about 100 mete...
by livesoft
Fri Jul 25, 2014 6:35 pm
 
Forum: Personal Consumer Issues
Topic: Whats a Better Lot in a Tract Home Neighborhood?
Replies: 23
Views: 1222

Re: Looking for insights on San Antonio

San Antonio will be warmer than the places you have lived, though Japan can be really hot, too. SA may be drier some months and muggier other months. Oahu has a military presence, but I would guess San Antonio has less. SA already has too many restaurants as I mentioned. SA would have fewer outdoor ...
by livesoft
Fri Jul 25, 2014 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Looking for insights on San Antonio
Replies: 22
Views: 767

Re: Looking for insights on San Antonio

Don't forget to feed the peacocks by hand in the Quadrangle. http://www.yelp.com/biz/fort-sam-housto ... an-antonio
by livesoft
Fri Jul 25, 2014 5:15 pm
 
Forum: Personal Consumer Issues
Topic: Looking for insights on San Antonio
Replies: 22
Views: 767

Re: negotiating fees with a real estate agent?

Also, If I choose a full service real agent, is there any way to ask for a fee reduction or kickback since i'm giving them business on 3 separate transactions (new home purchase,home sale and condo sale)? Yes, there is a way. Just ask. Everything is negotiable. How good are you at negotiating? Refu...
by livesoft
Fri Jul 25, 2014 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: negotiating fees with a real estate agent?
Replies: 4
Views: 610

Re: Looking for insights on San Antonio

FWIW, whether we will fit in with the culture/values/image of a place is a primary concern every time we move to a new place. I'm still puzzled by this. San Antonio is cosmopolitan with all kinds of ethnicities although Hispanic predominates. There are strong family cultural values, sincere friendl...
by livesoft
Fri Jul 25, 2014 5:05 pm
 
Forum: Personal Consumer Issues
Topic: Looking for insights on San Antonio
Replies: 22
Views: 767

Re: Rather be Home, Rather be at Work

Work part-ime. Say about 9:30 am to 3:30 pm.
by livesoft
Fri Jul 25, 2014 4:48 pm
 
Forum: Personal Consumer Issues
Topic: Rather be Home, Rather be at Work
Replies: 18
Views: 1272

Re: Whats a Better Lot in a Tract Home Neighborhood?

I would consider other lot features as more important that the backyard. Interior cul-de-sac or a through street? Near end (but not at end) of cul-de-sac or some place else on the cul-de-sac? What are the neighbors like? No neighbors? Uh-oh! Fake ponds look like real ponds after 20 years. You mentio...
by livesoft
Fri Jul 25, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Whats a Better Lot in a Tract Home Neighborhood?
Replies: 23
Views: 1222

Re: Advice for Mother in law

In order to contribute to a Roth IRA, one needs compensation to cover which usually means a job. It is not clear if MIL is working or not.

If she can contribute to a Roth, then save up $1000, contribute to the Roth at Vanguard and invest in the Vanguard Target Retirement fund with that money.
by livesoft
Fri Jul 25, 2014 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for Mother in law
Replies: 9
Views: 741

Re: Looking for insights on San Antonio

Texas has a relatively larger property tax rate than other states, but property taxes are actually lower because real estate values are much much lower for the same size home+amenities. Also there are no state income taxes.
by livesoft
Fri Jul 25, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Looking for insights on San Antonio
Replies: 22
Views: 767

Re: Personal win: I am now free of individual holdings!

Are you saying that over the next 10 years that you intend to donate absolutely $0.00 to charity?

Since you wrote about child tax credit, then I see no reason not to give some to kids and spend the money from selling on them.
by livesoft
Fri Jul 25, 2014 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal win: I am now free of individual holdings!
Replies: 18
Views: 1047

Re: Seeking sample retirement portfolios

Yep, I can't figure out what's going on here. A one-fund LifeStrategy or Target Retirement is the ideal portfolio for this with maybe a little cash on the side. Why use both? And a bond fund? That just means one picked the wrong fund to start with.
by livesoft
Fri Jul 25, 2014 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking sample retirement portfolios
Replies: 13
Views: 1219

Re: Wall Street Journal Subscription Increase

You weren't using your Goldman Sachs office for the delivery address, were you?
by livesoft
Fri Jul 25, 2014 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wall Street Journal Subscription Increase
Replies: 23
Views: 1057

Re: Personal win: I am now free of individual holdings!

He doesn't need the money because if he did, he would have sold already. Right now it is dead money. Let someone else put it to good use.

And that reminds me: He can die, then the shares get a stepped up basis for someone.
by livesoft
Fri Jul 25, 2014 3:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal win: I am now free of individual holdings!
Replies: 18
Views: 1047

Re: Make Income the Outcome

Chan_va wrote: People I think are far more intelligent and adaptable than they are given credit for.

I disagree completely with that statement. People are given way too much credit in those regards.
by livesoft
Fri Jul 25, 2014 3:24 pm
 
Forum: Investing - Theory, News & General
Topic: Make Income the Outcome
Replies: 40
Views: 2373

Re: Personal win: I am now free of individual holdings!

Rainier wrote:Are the kids giving you the proceeds back?

Not that I know of. They will both be in college next month, so it is unlikely.
by livesoft
Fri Jul 25, 2014 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal win: I am now free of individual holdings!
Replies: 18
Views: 1047

Re: Looking for insights on San Antonio

What stereotype are you referring to? I never knew it had a stereotype. BTW, I moved from near NYC to Texas a while ago. Maybe you are talking about the long-time lesbian mayor of the largest city in Texas? My personal experience (my folks retired there) is that San Antonio has 2 major industries: m...
by livesoft
Fri Jul 25, 2014 3:16 pm
 
Forum: Personal Consumer Issues
Topic: Looking for insights on San Antonio
Replies: 22
Views: 767

Re: Personal win: I am now free of individual holdings!

I have a $90k taxable account with mostly blue chips and a $45k long term unrealized gain. Any suggestions? 5% state tax plus child tax credit phaseout means id lose about 25% of the gains. I have been giving away shares to my kids who can sell in their lower tax brackets for 0% cap gains tax and g...
by livesoft
Fri Jul 25, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal win: I am now free of individual holdings!
Replies: 18
Views: 1047

Re: Advice needed for $825,000 nest egg

I'd sell the 2 stocks down 45% as well. At least you'd get a nice tax loss. There will probably be no "nice tax loss" because with the "step-up basis" one gets a "step-down basis", too. It is true that we cannot tell whether some or all of the assets were affected by t...
by livesoft
Fri Jul 25, 2014 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice needed for $825,000 nest egg
Replies: 15
Views: 2135

Re: equal asset location and rebalancing

You are being too simplistic or not simplistic enough. Over the 2-year period TSM would have paid out dividends: $1,000 the first year and $1,000 the 2nd year. Those dividends would have been invested back into the bonds. Thus at the end of 2 years, the ratios would have been about $55K to $58K and ...
by livesoft
Fri Jul 25, 2014 1:55 pm
 
Forum: Investing - Theory, News & General
Topic: equal asset location and rebalancing
Replies: 6
Views: 425

Re: POLL: Do you own corporate bonds?

It is not available in my 401(k) plan where FSITX is available.
by livesoft
Fri Jul 25, 2014 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you own corporate bonds?
Replies: 27
Views: 1170

Re: Need advice choosing fund for college expenses (not 529)

In the highest tax bracket means that you can readily pay for any college expenses from your next paycheck. That means that it really does not matter one bit what you choose to invest in. Consequently, you might as well just use a tax-efficient equity index fund such at Total Int'l Stock Market, Tot...
by livesoft
Fri Jul 25, 2014 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need advice choosing fund for college expenses (not 529)
Replies: 13
Views: 464

Re: Treasury Direct--just blowing off steam

I used vulgar profanity as some of the answers to some security questions on a 529 plan web site because I didn't expect to ever need them and didn't know the real answers anyways, such as "Who is your favorite sport team?" I don't have an effiing favorite sports team. Anyways, I had to ca...
by livesoft
Fri Jul 25, 2014 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct--just blowing off steam
Replies: 50
Views: 2704

Re: POLL: Do you own corporate bonds?

I like its duration and its risk. I also like that it has an ETF share class and an Admiral share class, so that I can have it in accounts at various brokers without any commissions. Besides having the ETF option, are there other advantages or disadvantages to holding the Short-Term Corporate Index...
by livesoft
Fri Jul 25, 2014 12:56 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you own corporate bonds?
Replies: 27
Views: 1170
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