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Re: *poor* Bogleheads

I learned years ago that there were always people (friends, family, strangers) that would always have lots more talent/money/looks/good health/fill-in-the-blank than me. I also learned that there were always people that would always have lots less talent/money/looks/good health/fill-in-the-blank tha...
by livesoft
Fri Apr 18, 2014 8:17 am
 
Forum: Investing - Theory, News & General
Topic: *poor* Bogleheads
Replies: 25
Views: 1436

Re: "Best" place for new tires and tire protection plans = B

First off, I must say that I do not buy tires often. Second, I don't think it matters where you buy tires, just find the cheapest places for the tires you want. There appears to be no benefit for loyalty to a shop. Third, don't fall in love with a brand or model, but select from the top 2 or 3 model...
by livesoft
Fri Apr 18, 2014 7:52 am
 
Forum: Personal Consumer Issues
Topic: "Best" place for new tires and tire protection plans = B.S.?
Replies: 8
Views: 189

Re: Oh No! My Tilt has untilted!

Yes, you are right that I am getting this from the Morningstar Stylebox of my portfolio. I was wondering if others had experienced this. No, I have not experiencd this, but I have experienced something else: M* sometimes recategorizes a stock from value to growth and vice versa. So if you own indiv...
by livesoft
Fri Apr 18, 2014 5:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Oh No! My Tilt has untilted!
Replies: 9
Views: 955

Re: Boglehead used car problem. Run It or ditch it?

It's an 05 with only 125K on it. I'd keep it until it went over 200K miles minimum.
by livesoft
Thu Apr 17, 2014 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Boglehead used car problem. Run It or ditch it?
Replies: 13
Views: 652

Re: Avoiding VNQ due to interest rate [Vanguard REIT]

VNQ was up so much this year, that recently I had to sell rebalance out of it. I'm usually early about these things, so I probably will do worse than if I just had held on. But you know, if you live by the IPS, then you die by the IPS.
by livesoft
Thu Apr 17, 2014 7:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Avoiding VNQ due to interest rate [Vanguard REIT]
Replies: 28
Views: 2180

Re: Where are the Opportunities now ?

Oh, another thing: If you wish to perform better in 2014 in an asset class than the asset class itself will do, all you have to do is buy the asset class below its level at the beginning of the year and account for dividends you missed. There are a few things hovering just under and just over break-...
by livesoft
Thu Apr 17, 2014 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where are the Opportunities now ?
Replies: 26
Views: 1438

Re: Asset allocation over time

I changed our asset allocation based on life events that happened, so if nothing happened for 5 years, no change. Actually, the life events that tended to matter were reaching $1 million, $2 million, $3 million, …, well, you get the idea.
by livesoft
Thu Apr 17, 2014 6:09 pm
 
Forum: Investing - Theory, News & General
Topic: Asset allocation over time
Replies: 19
Views: 772

Re: Where are the Opportunities now ?

Here's an opportunity if you wish to try market timing: Look at what IWM (Russell 2000 index) did in the past 2 weeks. It dropped almost 7% at one point during that time frame while other small-cap indices tracked by VBR, IJS, and VXF did not do as poorly. Do you have the guts to buy IWM and sell it...
by livesoft
Thu Apr 17, 2014 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where are the Opportunities now ?
Replies: 26
Views: 1438

Re: Vanguard Total International (VTSAX) - Taxable Account

Or why not divide up international into the qualified dividend component to keep in taxable and the non-qualified dividend component to keep in tax-advantaged?
by livesoft
Thu Apr 17, 2014 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VTSAX) - Taxable Account
Replies: 14
Views: 999

Re: Vanguard index funds through Schwab

I did talk with Vanguard who told me that they ONLY have the admiral index mutual funds if you buy DIRECTLY from Vanguard, so you can't get them from Schwab at all. So Vanguard must be lying. Right? I have certainly purchased Vanguard Admiral funds with no commission at my broker in the past. And w...
by livesoft
Thu Apr 17, 2014 5:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard index funds through Schwab
Replies: 18
Views: 1492

Re: The dangers of backtesting and overfitting data - paper

Over-fitting is a common problem that is routinely solved by something called "Cross Validation". I have never seen it used by financial types which is a shame since it is such a universal technique.

Maybe somebody like Rodc can also comment on cross-validation?
by livesoft
Thu Apr 17, 2014 5:09 pm
 
Forum: Investing - Theory, News & General
Topic: The dangers of backtesting and overfitting data - paper
Replies: 13
Views: 607

Re: practicing medicine in Texas...

There are way too many Doc-in-a-Boxes in my area in Texas. They are becoming more prevalent than Starbucks. Sometimes they are across the street from each other. One day I expect to have 4 of them at the same intersection --- one on each corner. So I think one should do some market research on this....
by livesoft
Thu Apr 17, 2014 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: practicing medicine in Texas...
Replies: 16
Views: 1135

Re: Short-term Bond Index Fund

I read a lot of posts on the forum and over the years just about every version of a vanguard short-term bond fund (I think there are 6 or more different Vanguard ST bond funds) has been presented as a possible substitute for a money market or CD or emergency fund. One can "dial-in" the ris...
by livesoft
Thu Apr 17, 2014 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Short-term Bond Index Fund
Replies: 8
Views: 758

Re: Help looking for ways to get to 50-50

If she doesn't pay any income taxes, then target retirement in taxable is just fine.
by livesoft
Thu Apr 17, 2014 9:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Help looking for ways to get to 50-50
Replies: 9
Views: 404

Re: Taxes owed in taxable account

But niceguy, you can do this for yourself and for us. OK, except for the part about buying on Jan 1, but you can do it for buying on Dec 31, 2012 or Jan 2, 2013. One can look up the NAV for those days and do the math. And Vanguard has the actual 2013 distributions on their web site.
by livesoft
Thu Apr 17, 2014 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Taxes owed in taxable account
Replies: 18
Views: 850

Re: 401k Plan AUM fees

So what does your adviser do for their money? If you are using Employee Fiduciary, you might as well let your adviser go (aka make them redundant or fire them).
by livesoft
Wed Apr 16, 2014 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Plan AUM fees
Replies: 9
Views: 405

Re: Switching Banks

Just because one closes their checking account does not mean that they close their credit card. Keep the card, close the checking account. A lone credit card is not as good as multiple credit cards as far as one's credit rating is concerned. Also any checking account whether at a bank or a credit un...
by livesoft
Wed Apr 16, 2014 8:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching Banks
Replies: 13
Views: 879

Re: Taxable account

The best are definitely VTI and VXUS when first starting out.
by livesoft
Wed Apr 16, 2014 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account
Replies: 2
Views: 374

Re: Offsetting Losses with Gains

In order to take the maximum tax benefits, one should just have losses and not have any gains. That is, offsetting losses with gains reduces the tax benefit.
by livesoft
Wed Apr 16, 2014 6:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Offsetting Losses with Gains
Replies: 5
Views: 275

Re: 401k Plan AUM fees

It's hard to get an inexpensive plan for such a low total plan value. I would not want to pay an extra 0.78%, but for you all that's just an additional $5500. Does the employer pay additional fees? For example, I think our Fidelity plan charges $15 per participant which ends up being about $4500 for...
by livesoft
Wed Apr 16, 2014 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Plan AUM fees
Replies: 9
Views: 405

Re: how similar small vap value ishares IJS with vanguard VB

You should've bought VBR before selling IJS since stocks have been going up. If you click on 'Buy VBR' now, the market is closed and VBR went up 1% today, so the order would not have a chance of getting filled until tomorrow morning. Is it possible that you will create an extra 1% loss by your maneu...
by livesoft
Wed Apr 16, 2014 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: how similar small vap value ishares IJS with vanguard VBR
Replies: 6
Views: 268

Re: I don't understand whether there are costs to rebalancin

What do people do? was recently the topic of a couple of threads just before your sign-up date. Here they are to read again: Rebalancing is being discussed in these two threads today: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=136874 http://www.bogleheads.org/forum/viewtopic.php?f=10&am...
by livesoft
Wed Apr 16, 2014 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: I don't understand whether there are costs to rebalancing
Replies: 16
Views: 1094

Re: Tax Efficient "Gifting" for K-12 private school tuition

What is this estate tax on what she wants to give thing that you are writing about?
by livesoft
Wed Apr 16, 2014 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Efficient "Gifting" for K-12 private school tuition
Replies: 15
Views: 755

Re: Let's compare 2013 effective tax rates

Just use your AGI at the bottom of Form 1040 page 1 as your denominator. And then total tax after credits from line 55 as your numerator. Don't try to make life difficult... My AGI is 30% to 40% less than my income because I get to exclude lots of things like 401(k) contributions, health care premi...
by livesoft
Wed Apr 16, 2014 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Let's compare 2013 effective tax rates
Replies: 46
Views: 2087

Re: Tax Efficient "Gifting" for K-12 private school tuition

If she is about to receive the money, then it is unlikely that the cost basis is signficantly different from the value when she gives it. If that is the case, then giving it is tax-efficient anyways. If "funds" are cash, then the following does not apply. If "funds" are mutual fu...
by livesoft
Wed Apr 16, 2014 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Efficient "Gifting" for K-12 private school tuition
Replies: 15
Views: 755

Re: Let's compare 2013 effective tax rates

I think we need you to define what you mean by your rates because what you wrote doesn't make sense.
by livesoft
Wed Apr 16, 2014 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Let's compare 2013 effective tax rates
Replies: 46
Views: 2087

Re: Individual bonds VS bond fund

Less risk and more diversification with the fund. If your job and your home are tied to the local economy and your bonds are too, then you could get a double whammy if the local economy falters.
by livesoft
Wed Apr 16, 2014 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Individual bonds VS bond fund
Replies: 7
Views: 623

Re: leaving scottrade

If the transfer is done using the ACAT system which it should be to Vanguard Brokerage Services, then the account history should transfer with the shares. If Vanguard won't do that, then I suggest that you do not transfer to Vanguard at all, but use a real broker like TDAmeritrade or WellsTrade both...
by livesoft
Wed Apr 16, 2014 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: leaving scottrade
Replies: 7
Views: 848

Re: Child's Roth

Yep, that's true and I didn't google anything either. Something's contagious around here.
by livesoft
Wed Apr 16, 2014 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Child's Roth
Replies: 27
Views: 1381

Re: Reinvesting dividends in securities individually?

Whle I agree with cheese_breath that you should just sell the losers and move along, you can do what you proposed: Tell your broker which investments you want to automatically reinvest their dividends and which ones you do not.
by livesoft
Wed Apr 16, 2014 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Reinvesting dividends in securities individually?
Replies: 3
Views: 202

Re: Child's Roth

Thanks folks. I learned something without reading the IRS publications. :)
by livesoft
Wed Apr 16, 2014 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Child's Roth
Replies: 27
Views: 1381

Re: Child's Roth

... Oh! One thing I learned that I guess could be advice. You can't invest in your child's Roth every penny made because you have to subtract the amount of tax paid. So if your child makes 1000. You need to pay taxes on this, taxes would be under 200 but can use that as a ball park. You could then ...
by livesoft
Wed Apr 16, 2014 7:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Child's Roth
Replies: 27
Views: 1381

Re: I Retired; Now What Do I Do?

Christine Benz of Morningstar has a nice video to watch. But don't become a moth flying into the nearest flame.
http://www.morningstar.com/cover/videoc ... ?id=641676
by livesoft
Tue Apr 15, 2014 9:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: I Retired; Now What Do I Do?
Replies: 2
Views: 809

Re: Help with a put option, can i exercise it?

There is not enough info in your opening post to really say much of anything other than someone is clueless. OK, did you buy the put option or did you sell the put option? How do you know whether you have made money on it or not? The strike price is not the price of the option. If you bought the put...
by livesoft
Tue Apr 15, 2014 9:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with a put option, can i exercise it?
Replies: 13
Views: 350

Re: NYTimes: Inexpensive Advice for Index-Fund Investments

countdown wrote:I actually didn't know Vanguard had this service let alone was lowering their fee. Thanks for posting it.

There is a thread or two about it on the bogleheads forum.
by livesoft
Tue Apr 15, 2014 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: NYTimes: Inexpensive Advice for Index-Fund Investments
Replies: 15
Views: 2358

Re: Rebalancing Question

I only wrote what I prefer to do. I did not write what I actually do.
by livesoft
Tue Apr 15, 2014 7:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question
Replies: 5
Views: 306

Re: Rebalancing Question

There is no way to answer your question without predicting the future. I will say that I prefer to rebalance into equities on the lowest day of the year for equities and to rebalance out of equities on the highest day of the year for equities. See also: http://www.bogleheads.org/wiki/Rebalancing and...
by livesoft
Tue Apr 15, 2014 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question
Replies: 5
Views: 306

Re: Child's Roth

I laughing because everybody should know how young kids easily make money modeling. If you watch ANY television commercials, you see kids ALL THE TIME. Practically EVERY local auto dealership or dentist or really any small business will have the owner's children in the advertisements: flyers, poster...
by livesoft
Tue Apr 15, 2014 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Child's Roth
Replies: 27
Views: 1381

Re: Should I be using standard or itemized deduction?

How do you do this if property taxes are due in November? You pay late in January. If you don't want to pay a penalty for paying late, then you lobby your local politicians to get that changed or become a local politician yourself and get it changed. And a congrats to icedtea for doing your own tax...
by livesoft
Tue Apr 15, 2014 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I be using standard or itemized deduction?
Replies: 10
Views: 665

Re: what bond funds to hold(Bernstein's Sheltered Sam)

Should I sell the VSGDX and buy the Short-term corporate bond(VSCSX) instead? Sure, why not? Full disclosure: I own VSCSX and VCSH along with some other bond funds. But let's step back a bit. Can I ask some probing questions please? Why do you own the funds you own? Is the reason simply because som...
by livesoft
Tue Apr 15, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: what bond funds to hold(Bernstein's Sheltered Sam)
Replies: 6
Views: 627

Re: NYTimes: Inexpensive Advice for Index-Fund Investments

I predict that someone else will start a thread with a link to this article.
by livesoft
Tue Apr 15, 2014 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: NYTimes: Inexpensive Advice for Index-Fund Investments
Replies: 15
Views: 2358

Re: Why is mid-cap discussed so much less than large and sma

My impression is that any DFA fund with"large-cap" in the name is actually a mid-cap fund, so that mid-caps are prominently featured by DFA, but are not labelled as such. That is a really interesting thought, but at first glance… ... Thanks for doing the research. My impression was clearl...
by livesoft
Tue Apr 15, 2014 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: Why is mid-cap discussed so much less than large and small?
Replies: 19
Views: 1217

Re: Stocks: How Bad It Can Get

There have been a lot more 20% drops than the chart has shown. A lot more.
by livesoft
Tue Apr 15, 2014 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 5298

Re: Why is mid-cap discussed so much less than large and sma

I will say that a lot of the talk is associated with a region of the financial thinking universe that orbits around Fama and French, and that the mutual fund company DFA (Dimensional Fund Advisors) orbits around Fama and French, and DFA does not appear to have any mid-cap funds, so I guess that mid...
by livesoft
Tue Apr 15, 2014 10:12 am
 
Forum: Investing - Theory, News & General
Topic: Why is mid-cap discussed so much less than large and small?
Replies: 19
Views: 1217

Re: Why is mid-cap discussed so much less than large and sma

Anytime someone mentions small-caps, they are also discussing mid-caps. Look at the percentage of mid-caps in Vanguard's small-cap value index fund. Look at the percentage of mid-caps in Vanguard's all-world FTSE ex-US foreign small-cap index fund. And for that matter, look at the percentage of mid-...
by livesoft
Tue Apr 15, 2014 9:51 am
 
Forum: Investing - Theory, News & General
Topic: Why is mid-cap discussed so much less than large and small?
Replies: 19
Views: 1217

NYTimes: Inexpensive Advice for Index-Fund Investments

Ron Lieber has written in the NY Times about one of our favorite topics: Financial Advice For People Who Aren't Rich . This article covers Betterment, WealthFront, Vanguard, MarketRiders and many others with a nice chart for Inexpensive Advice for Index-Fund Investments. Rather conspicuously absent ...
by livesoft
Tue Apr 15, 2014 7:51 am
 
Forum: Investing - Help with Personal Investments
Topic: NYTimes: Inexpensive Advice for Index-Fund Investments
Replies: 15
Views: 2358

Re: Need Ear Bud Recommendation

Anybody use the noise-cancelling earbuds? Sony has them. It would seem to me that wind noise would be reasonably monotonic and constant thus lending itself to noise cancellation.
by livesoft
Tue Apr 15, 2014 7:32 am
 
Forum: Personal Consumer Issues
Topic: Need Ear Bud Recommendation
Replies: 9
Views: 681

Re: Lost $10K in my investments past few months

in the past few months i lost about $10K in my retirement investments and my biotech mutual fund has tanked as well. is this downswing in the market temporary? whats everyone doing now..staying the course as always? Your goal should be to lose $100,000 in a single day and be able to remark, "O...
by livesoft
Tue Apr 15, 2014 7:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Lost $10K in my investments past few months
Replies: 36
Views: 4291

Re: New homeowner: lawn care advice

Wait a minute! You don't know what kind of grass you have? Send me a pm of the address and I will look with google maps and tell you. If you have no grass, then you will end up with St Augustine because all your neighbors will have it. And St Augustine will not really be cut by an electric mower. Al...
by livesoft
Mon Apr 14, 2014 10:14 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 48
Views: 3030
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