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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: 16
Views: 980

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: 18
Views: 493

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: 231

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: 18
Views: 550

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: 26
Views: 763

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: 91
Views: 5519

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: 7
Views: 650

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: 7
Views: 650

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: 178

Re: How to get rid of fractional shares

It's probably a personality trait. I will guess that when they fill up their gas tank, they end on a integer dollar amount, too.
by livesoft
Mon Sep 29, 2014 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to get rid of fractional shares
Replies: 4
Views: 495

Re: Worth paying an extra 0.15% TER?

Yes, it is worth it.
by livesoft
Mon Sep 29, 2014 6:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Worth paying an extra 0.15% TER?
Replies: 3
Views: 321

Re: How to get rid of fractional shares

Are these ETF fractional shares or mutual fund fractional shares? Contact your broker if these are ETF fractional shares. I think Vanguard BS wants you to sell all shares and then it will toss on the fractional shares, too. For instance, if you sell 607 shares VCSH in a holding of 607.349 shares, pl...
by livesoft
Mon Sep 29, 2014 5:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to get rid of fractional shares
Replies: 4
Views: 495

Re: house odor after crawlspace encapsulation

Easy Rhino wrote:… treated with an ammonium nitrate fire retardant.

Is that a typo?
by livesoft
Mon Sep 29, 2014 5:40 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 19
Views: 1146

Re: Buy Local

It is NOT true that BIG BOX stores did the first wave of damage. It started a lot earlier than that. In 1859, with the opening of the Great Atlantic and Pacific Tea Company. People stopped knowing their local grocer by name. I know the folks in the Kroger and Wells Fargo by name. Some of them live ...
by livesoft
Mon Sep 29, 2014 5:31 pm
 
Forum: Personal Consumer Issues
Topic: Buy Local
Replies: 18
Views: 1077

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

My spouse loves to edit technical stuff as part of her job and produces great results. However, she takes 3 times as long as anybody else although the others' work is not as good. Sometimes clients are looking for improvement and quick turn-around. What's that old saying: Good, Fast, Cheap. Pick any...
by livesoft
Mon Sep 29, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: How can I stop feeling depressed about my finances?
Replies: 91
Views: 5519

Re: Short term investing for down payment

Do you believe that the money for a home down payment needs to be invested in absolutely safe investments with no possibility of loss? Or do you believe that your home down payment goal is somewhat flexible and if you invest and lose money, then it just means you will save longer, delay buying a hom...
by livesoft
Mon Sep 29, 2014 3:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Short term investing for down payment
Replies: 10
Views: 611

Re: Redoing Neglected Portfolio - Need Alternatives

It may be simplest to change the IPS to stipulate that no mutual fund or ETF will have an expense ratio higher than 0.2%.
by livesoft
Mon Sep 29, 2014 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Redoing Neglected Portfolio - Need Alternatives
Replies: 6
Views: 377

Re: Suggested Fidelity Indx funds for Solo 4O1K

Thanks!! Yes I did call them and asked for advice. They pointed me to target funds which have high ratio. Generally their advice is good though, that's why I choose Fidelity otherwise I am Vanguard Fan! I guess I meant did you ask them about their index funds? Or just general advice? Big difference...
by livesoft
Mon Sep 29, 2014 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggested Fidelity Indx funds for Solo 4O1K
Replies: 9
Views: 363

Re: Specific Tax Lot Question

Who knows what the tax laws will be when you get to that point? If you use software like TurboTax, you won't have to do much except download the 1099B from your financial institution and TT will put all the numbers on the proper lines on the tax forms. You will just need to review to see that the nu...
by livesoft
Mon Sep 29, 2014 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Specific Tax Lot Question
Replies: 5
Views: 298

Re: Suggested Fidelity Indx funds for Solo 4O1K

Three fund it: FSTVX, FSGDX, FSITX
If you want to overweight small/mid, then add FSEVX.
If you want all-in-one, then use FFNOX

See also http://www.bogleheads.org/wiki/Three-fu ... head-style

Question: Did you ask your Fidelity rep for advice on index funds?
by livesoft
Mon Sep 29, 2014 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggested Fidelity Indx funds for Solo 4O1K
Replies: 9
Views: 363

Re: quick roth ira question?

The amount you contribute at work does not count towards any amounts you contribute to your IRAs.

I would not say it is redundant.
by livesoft
Mon Sep 29, 2014 7:57 am
 
Forum: Investing - Theory, News & General
Topic: quick roth ira question?
Replies: 9
Views: 552

Re: Where to start work as an engineering major?

Get the book "What Color Is Your Parachute?" and read it. This book is not so much about getting a job, but also about finding out what you want to do for the rest of your life and where you want to do it.
by livesoft
Mon Sep 29, 2014 7:40 am
 
Forum: Personal Consumer Issues
Topic: Where to start work as an engineering major?
Replies: 19
Views: 1556

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

Somewhat related is the heated discussion in the comments of Ron Lieber's NYTimes article about spending the inheritence now: http://www.nytimes.com/2014/09/20/your-money/estate-planning/parents-the-children-will-be-fine-spend-their-inheritance-now.html Lieber tells his parents that he is not expect...
by livesoft
Mon Sep 29, 2014 7:34 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: When I gift/will shares to my relatives, I expect ...
Replies: 16
Views: 980

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

Some discussions over the past few months have indicated to me that gifting or willing shares of investments (stocks, funds, etc.) is much more sensitive and sentimental than I have thought. So another livesoft poll. The "I" and "my relatives" does not refer to the OP, but to you...
by livesoft
Mon Sep 29, 2014 7:29 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: When I gift/will shares to my relatives, I expect ...
Replies: 16
Views: 980

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

Many daycares will give higher quality and more enriching care than a stay at home parent would. Gone are the days when kids were locked in crates like at a dog kennel, but I know some parents still try to do this at home.
by livesoft
Sun Sep 28, 2014 11:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 50
Views: 2943

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

When our 2nd child was born, we did not change our house, nor our cars, nor car seats, nor our jobs. At the time our older child entered all-day kindergarten, so daycare expenses remained the same. We had a crib and all the other baby stuff already. Does that mean the 2nd child was profitable becaus...
by livesoft
Sun Sep 28, 2014 11:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 50
Views: 2943

Re: Tax loss harvest

If the law were changed, there would be enough time to do some things with one's carryover losses.
by livesoft
Sun Sep 28, 2014 9:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest
Replies: 8
Views: 458

Re: Suggestions to tax-efficiently reduce my holdings in a s

Is this asset (the stock) subject to only 15% Capital gains, or will any sales be taxed as ordinary income? If taxed as ordinary income, should we sell off little chunks of the stock while keeping us in the 25% tax bracket until the portfolio percentage the stock represents lowers, or just bite the...
by livesoft
Sun Sep 28, 2014 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions to tax-efficiently reduce my holdings in a stock
Replies: 5
Views: 390

Re: Obese airline passenger

This hasn't happened to me yet, but thanks for the tips in this thread.
by livesoft
Sun Sep 28, 2014 8:57 pm
 
Forum: Personal Consumer Issues
Topic: Obese airline passenger
Replies: 62
Views: 4561

Re: Suggestions to tax-efficiently reduce my holdings in a s

If you donate to charity AND you itemized your deductions, then the donation goes on Schedule A of your Form 1040. So the donation will not reduce your AGI at all, but will reduce your taxable income dollar-for-dollar. Of course, that does not reduce your tax dollar-for-dollar. You can also give som...
by livesoft
Sun Sep 28, 2014 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions to tax-efficiently reduce my holdings in a stock
Replies: 5
Views: 390

Re: UGMA dividends advice - index ETF or reinvest in stock

Whenever I give stock shares to my kids, I tell them that I want them to sell the shares right away and invest in index funds. I tell them not to be sentimental about any investments I give them or that they might inherit from me and that my asset allocation is not their asset allocation. I know tha...
by livesoft
Sun Sep 28, 2014 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: UGMA dividends advice - index ETF or reinvest in stock
Replies: 7
Views: 348

Re: Tax loss harvest

Mostly what you are doing is using the capital losses to defer paying capital gains further into the future - right? Right, but consider this situation: Early retired and living off of withdrawals from one's taxable account. That is, the withdrawals consist of return of capital (i.e. cost basis) an...
by livesoft
Sun Sep 28, 2014 6:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest
Replies: 8
Views: 458

Re: IRS Issues 401(k) After-Tax Rollover Rules

Is this thread related? (Yes, it is.)
viewtopic.php?f=2&t=147196

I didn't delve into it because it will not apply to me.
by livesoft
Sun Sep 28, 2014 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 66
Views: 5367

Re: How Long Should I Keep My Car?

On a day your car breaks down, you take a limo while you arrange for a rental car. Then you buy another car.

I have woken up and my car did not start. Basically, I needed a new battery. This is where having some friends or a taxi are helpful.
by livesoft
Sun Sep 28, 2014 5:56 pm
 
Forum: Personal Consumer Issues
Topic: How Long Should I Keep My Car?
Replies: 37
Views: 2219

Re: Tax loss harvest

I am a big fan of tax-loss harvesting. Yes, it has been enormously effective. I don't wait 31 days to repurchase the same investment. Instead, I buy something very similar, but not substantially identical. For instance, I exchanged from Vanguard Total Stock Market Index to Vanguard Large-cap Index b...
by livesoft
Sun Sep 28, 2014 5:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest
Replies: 8
Views: 458

Re: UGMA dividends advice - index ETF or reinvest in stock

I don't see a need to sell all of the stock, …. So is this supposed to be 100% play money? Sorry, I could not resist, but this is not the parent's money and is probably the only asset the child has. As such, it is like you having 100% of your portfolio in a single stock. Would you have 100% of your...
by livesoft
Sun Sep 28, 2014 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: UGMA dividends advice - index ETF or reinvest in stock
Replies: 7
Views: 348

Re: UGMA dividends advice - index ETF or reinvest in stock

Sell all the stock. Invest in passively-managed low-expense ratio index funds and automatically re-invest the dividends. I would suggest at this stage to use the Four-in-One index fund, ticker symbol FFNOX. Your child's asset allocation should have nothing to do with what grandfather gave them. Sinc...
by livesoft
Sun Sep 28, 2014 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: UGMA dividends advice - index ETF or reinvest in stock
Replies: 7
Views: 348

Re: Best 401K for 26-year-old

Welcome to the forum.

I think your company probably only offers one plan, so use that one. Other than that, may I suggest following the instructions in this link for more help:
viewtopic.php?f=1&t=6211
by livesoft
Sun Sep 28, 2014 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best 401K for 26-year-old
Replies: 17
Views: 1254

Re: Which bond fund for taxable account in high tax bracket?

Besides the national muni, one can often find in-state individual bonds through your broker. For instance, there was this thread where a forum member got a "ping" on a CD that sold out in about 10 minutes: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=146986&p=2192633 I would...
by livesoft
Sun Sep 28, 2014 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: Which bond fund for taxable account in high tax bracket?
Replies: 6
Views: 781

Re: How to pay ZERO taxes in retirement with 6-figure expens

If AGI is $100K, then are they eligible for a [deductible] traditional IRAs? If not, then they should definitely do Roth IRAs. I assume they contributed $46K or more to 401(k)s.

Also note that if AGI is $100K, taxable income will be even lower.
by livesoft
Sun Sep 28, 2014 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to pay ZERO taxes in retirement with 6-figure expenses
Replies: 159
Views: 45009

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

You know that non-wealthy people don't pay all that much for day care. They cannot afford it, so they find the less expensive solutions. Also note that the tax code helps in this regard with the child tax credit and the dependent-care credit and/or flexible spending accounts.
by livesoft
Sun Sep 28, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 50
Views: 2943

Re: Is there any point in putting stock index funds in IRA?

Index funds are suitable for all your accounts. Stock index funds are suitable for a Roth IRA and a traditional IRA. Bond index funds are also suitable for a Roth IRA and a traditional IRA. It is OK to have your Roth IRA 100% stock index funds, but where are you going to put your bond index funds? A...
by livesoft
Sun Sep 28, 2014 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is there any point in putting stock index funds in IRA?
Replies: 9
Views: 851

Re: Water Faucet Aerators

50 micron (0.050 mm) is quite small and would restrict the flow of water so much that you would probably not use it. I have used Millipore devices with 0.22 micron filters, but to get decent flow (fill a glass of water in 2 minutes), the diameter of the filter is about 50 mm. I would guess that typi...
by livesoft
Sun Sep 28, 2014 3:39 pm
 
Forum: Personal Consumer Issues
Topic: Water Faucet Aerators
Replies: 3
Views: 546

Re: Starting a railroad career

I know someone who works for Union Pacific railroad. They have a computer science degree and work with robotics.

I imagine that oil & gas companies do not put into the shredder [resumés from] folks with engineering degrees.
by livesoft
Sun Sep 28, 2014 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Starting a railroad career
Replies: 11
Views: 1570

Re: 'Play Money' - why 5%?

I have 0% play money. I think 5% or whatever is just a way to let people off the hook.
by livesoft
Sun Sep 28, 2014 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: 'Play Money' - why 5%?
Replies: 42
Views: 1582

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

Recent thread this month:
viewtopic.php?f=11&t=147221&p=2197131

You might summarize here what that thread had that was useful to you. For instance, I gave actual dollar amounts for a top-rated day care for children under 5.
by livesoft
Sun Sep 28, 2014 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 50
Views: 2943

Re: Investing $40K of taxable savings

Todi wrote:Not sure if I should use VTMSX or VSMAX?

My rule-of-thumb for a question like this: Whichever one you pick, the other one will perform better. Other than that, you are asking folks to predict the future.
by livesoft
Sun Sep 28, 2014 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing $40K of taxable savings
Replies: 22
Views: 1587

Re: Admin fees at old employer's 401k vs. Vanguard 401k Roll

No, Vanguard should not charge fees provided you get paper statements and/or have lots of money with them. The Vanguard web site clearly states the fees involved. Can you find the page on the Vanguard web site about fees?* *This is a sorry attempt to get you to find the fees page on the Vanguard web...
by livesoft
Sun Sep 28, 2014 2:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Admin fees at old employer's 401k vs. Vanguard 401k Rollover
Replies: 1
Views: 199

Re: Considering slice and dice -- need help choosing funds

I think starting with 3-fund is great, especially if you are not committed to slice-and-dice. Later one can always add small-cap foreign index and/or small-cap US value index. The problem is that one should not want to add small-cap foreign and small-cap value when they are doing great. That would b...
by livesoft
Sun Sep 28, 2014 2:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering slice and dice -- need help choosing funds
Replies: 18
Views: 533

Re: Considering slice and dice -- need help choosing funds

Mark2614 wrote:What's the benefit of prime numbers?

For one thing, they are easier to remember than 11.25% or 47.4%.
by livesoft
Sun Sep 28, 2014 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering slice and dice -- need help choosing funds
Replies: 18
Views: 533
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