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Re: Kroger for Gasoline

cheese_breath wrote:roger has been doing this for over two years.

I do use Kroger reward points when I buy gas. That was not my point.
by livesoft
Thu Jul 31, 2014 5:15 pm
 
Forum: Personal Consumer Issues
Topic: Kroger for Gasoline
Replies: 14
Views: 953

Re: Great Cliff Asness Primer on Quant Investing

Thanks for linking the video. His presentation was a bit diffuse, scatter-brained, and probably not worth anyone's time. The positive is that I know more about him than I did before watching the video.
by livesoft
Thu Jul 31, 2014 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: Great Cliff Asness Primer on Quant Investing
Replies: 4
Views: 373

Re: Tracking Credit Score

I think the only general Boglehead rule of thumb is to never ever pay for your credit score. A close second might be, never worry about your credit score. I signed up at creditkarma.com years ago. It's free, relatively benign, and relatively useless. Indeed, the only use I get out of it is to respon...
by livesoft
Thu Jul 31, 2014 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tracking Credit Score
Replies: 4
Views: 91

Re: Upcoming Redundancy - What to do ahead of time?

A very useful discussion occurred back in April, here's the link:
viewtopic.php?f=2&t=136470

I was made redundant, but made sure I bought a luxury SUV with a loan once I heard the news. At the time, I was still able to say I was employed.
by livesoft
Thu Jul 31, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Upcoming Redundancy - What to do ahead of time?
Replies: 2
Views: 158

Re: RBD here yet? (DOW -300points drop)

If the drop continues tomorrow, we could see some buying opportunities, yes... I would say that if we have 5 days in a row like today, none of them would be RBDs. That does not mean that after 5 days of such there would not be some rebalancing opportunities. Here is a list of ETFs that I have progr...
by livesoft
Thu Jul 31, 2014 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: RBD here yet? (DOW -300points drop)
Replies: 8
Views: 674

Re: RBD here yet? (DOW -300points drop)

Thanks for asking. I noted some headlines with "worst day" in the title, but I don't see any drops in the ETFs I follow of more than 2.5% yet, so not an RBD.
by livesoft
Thu Jul 31, 2014 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: RBD here yet? (DOW -300points drop)
Replies: 8
Views: 674

Re: Your 401k, u die, must beneficiary withdraw within 5 yea

Since inherited IRAs also have a 5-year rule (if RMDs are not started in time, then no stretching and all assets should be withdrawn in 5-years), it appears that there is really no difference anymore between a 401(k) and an IRA with respect to non-spouse beneficiary … as long as beneficiary rolls ov...
by livesoft
Thu Jul 31, 2014 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your 401k, u die, must beneficiary withdraw within 5 years?
Replies: 13
Views: 1267

Re: New smartphone - questions from a nervous upgrader

I was a Samsung user, however I just switched over to iPhone. The new Samsung is too big for me to keep in my pocket and that before you put a case on it. I'm looking to carry a smartphone with me, not a small tablet. My car has a spot for an iPhone, but the Galaxy won't fit. So I guess I need to b...
by livesoft
Thu Jul 31, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: New smartphone - questions from a nervous upgrader
Replies: 28
Views: 1431

Re: Misleading information on tax loss harvesting wiki artic

As an additional OMG if you exchange shares between two share classes it is not a taxable event at least at Vanguard, but if you sell one and buy the other is it now a taxable event and therefore subject to wash sale rule even if not broker reportable? :annoyed I would be careful with using the wor...
by livesoft
Thu Jul 31, 2014 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: Misleading information on tax loss harvesting wiki article
Replies: 33
Views: 1085

Re: New smartphone - questions from a nervous upgrader

Pay off $650 phone over 2 years, no downpayment, so about $28 a month. We have a family plan where we share minutes and data, about $45 a phone a month.
by livesoft
Wed Jul 30, 2014 10:22 pm
 
Forum: Personal Consumer Issues
Topic: New smartphone - questions from a nervous upgrader
Replies: 28
Views: 1431

Re: New smartphone - questions from a nervous upgrader

You are in luck. I just had my spouse buy herself and me Samsung S5 phones while my son got an iPhone 5s. If you buy from the phone company, there is no way to get a good price, so just pay your money. Some folks do want the latest and greatest and do not want to be locked into a plan which is why t...
by livesoft
Wed Jul 30, 2014 10:08 pm
 
Forum: Personal Consumer Issues
Topic: New smartphone - questions from a nervous upgrader
Replies: 28
Views: 1431

Re: Your 401k, u die, must beneficiary withdraw within 5 yea

Alright, so the bottom line is that there are probably some 401(k) plans that have not been updated and probably still have a 5-year rule for non-spouse beneficiaries? Is that a likely to be correct statement?
by livesoft
Wed Jul 30, 2014 9:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your 401k, u die, must beneficiary withdraw within 5 years?
Replies: 13
Views: 1267

Re: Question about HSA and FSA

I agree with archbish- tread carefully here. My employer adopted a "no FSA in the family" rule for those of us on HSAs (except limited purpose FSA) even if your spouse isn't on your plan. IRS rules are very unclear, so to be safe, the rule my employer adopted is a no-go. My employer did a...
by livesoft
Wed Jul 30, 2014 9:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about HSA and FSA
Replies: 12
Views: 442

Re: How does car trade-in work?

I sent you a pm. As for "commands a higher list price", that's silly. People may pay that, but it doesn't mean you have to.
by livesoft
Wed Jul 30, 2014 9:51 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 59
Views: 3179

Re: Wise to split $$ between Vanguard and advisor?

dumb question: by fee only do you mean hourly? Not necessarily. I looked at 3 web sites that resulted from my search. Only one offered a la carte hourly services. The other two clearly were gathering assets and didn't mention fees (other than to say they were low), so I assume they were assets unde...
by livesoft
Wed Jul 30, 2014 8:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wise to split $$ between Vanguard and advisor?
Replies: 38
Views: 2142

Re: How does car trade-in work?

When I was looking for an RX350, I set a very wide search radius --- 250 miles. Our local prices were inflated, so I used the knowledge of lower prices elsewhere when negotiating. I had a trip plan to a city 3 hours away for other reasons, so I looked online for what was available there, too. I used...
by livesoft
Wed Jul 30, 2014 8:37 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 59
Views: 3179

Re: Wise to split $$ between Vanguard and advisor?

This is a tough situation: How to find a legitimate fee-only financial planner. Unfortunately, it will take some work. You will have to ask your friends, neighbors, business owners, people like you for recommendations for planners to interview. I would bet that very few would have chosen a fee-only ...
by livesoft
Wed Jul 30, 2014 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wise to split $$ between Vanguard and advisor?
Replies: 38
Views: 2142

Re: Dumb 3rd grade math question about beach house rental

We just all rent condos at the same site. Then we kick our kids out and they have to go sleep with their friends in another condo. Works great! Highly recommended!
by livesoft
Wed Jul 30, 2014 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 60
Views: 4470

Re: Surge protectors

If InvestorNewb doesn't come back and post, can we assume that he has electrocuted himself?
by livesoft
Wed Jul 30, 2014 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Surge protectors
Replies: 40
Views: 2707

Re: How does car trade-in work?

htdrag11 wrote:… auto-parking feature which is good for my wife, but I do not need it (used to live in NYC).

Park assist is not the same as auto-parking, just in case you didn't know.
by livesoft
Wed Jul 30, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 59
Views: 3179

Re: Question about HSA and FSA

She can have an FSA then, but the payouts can only be for her expenses. Your HSA contribution limit could be for a family plan still if your children are covered by your HDHP. You cannot use your HSA to pay for your spouse's expenses. I think it is also possible that if your HDHP does not cover visi...
by livesoft
Wed Jul 30, 2014 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about HSA and FSA
Replies: 12
Views: 442

Re: Kroger for Gasoline

Don't worry because it won't always be this way. New stations will typically have a lower ppg in order to attract new customers. Once the attraction is finished, the price will match demand. But you have contributed to the buzz to get people to try the new station out which is exactly what the lower...
by livesoft
Wed Jul 30, 2014 6:46 pm
 
Forum: Personal Consumer Issues
Topic: Kroger for Gasoline
Replies: 14
Views: 953

Re: Question about HSA and FSA

Is your spouse covered by your HDHP?
by livesoft
Wed Jul 30, 2014 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about HSA and FSA
Replies: 12
Views: 442

Re: Safe Harbor 401(k)

Sounds like my spouse's plan. I assume it is invested in the Madoff Fund and have to leave it at that because my spouse does not want to "rock the boat".
by livesoft
Wed Jul 30, 2014 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safe Harbor 401(k)
Replies: 14
Views: 772

Re: I don't think I can afford to die in Pennsylvania

If a nephew inherits a large traditional IRA in PA, then 15% is due as tax? If nephew does not have the money from outside the IRA, then he has to withdraw enough from the IRA to get money to pay the tax. That withdrawal in turn is taxed, so he has to withdraw more than that 15%, maybe even 25% to p...
by livesoft
Wed Jul 30, 2014 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: I don't think I can afford to die in Pennsylvania
Replies: 35
Views: 2982

Re: Wise to split $$ between Vanguard and advisor?

What is the annual dollar amount that would be sucked away by the 1.6% on part of the portfolio? Can the family take that dollar amount and buy the needed services directly from a fee-only CFP who does not manage investments? One could either manage the investments themselves or let Vanguard do it. ...
by livesoft
Wed Jul 30, 2014 4:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wise to split $$ between Vanguard and advisor?
Replies: 38
Views: 2142

Re: How does car trade-in work?

I've only put regular gas into my 2011 RX350. Nobody told me otherwise. I hardly drive it though. I would assume that only if the engine knocks would it need higher octane.
by livesoft
Wed Jul 30, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 59
Views: 3179

Re: Principles for Changing Asset Allocation & Splicing

Here is my suggestion on when to switch to slice-and-dice from 3-fund: 1. Follow the price changes of the small-cap value index fund of your choice. Watch out for distributions that lower the price. 2. Follow the price changes of the small-cap foreign index fund of your choice. Watch out for distrib...
by livesoft
Wed Jul 30, 2014 4:40 pm
 
Forum: Investing - Theory, News & General
Topic: Principles for Changing Asset Allocation & Splicing
Replies: 10
Views: 673

Re: Fidelity Charitable Fund Questions

Another user of Fido's DAF here. It's been pointed out, and worth remembering, that you pay 0.6% in addition to underlying fund costs on these accounts. So not a good idea to store money there long term. You don't pay it, but can consider that your charities will eventually get 0.6% less. But yes, ...
by livesoft
Wed Jul 30, 2014 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Charitable Fund Questions
Replies: 18
Views: 682

Re: Misleading information on tax loss harvesting wiki artic

And unrealized losses are stepped down when you die. So be sure to sell all losers before you die.
by livesoft
Wed Jul 30, 2014 2:44 pm
 
Forum: Investing - Theory, News & General
Topic: Misleading information on tax loss harvesting wiki article
Replies: 33
Views: 1085

Re: What percentage of my portflio should be in cash?

In a down market, one should be selling fixed income (bonds) in order to buy equities (stocks). So I am good with 0% cash. If you need money, sell fixed income or equities to raise the money. Cash is simply a drag on performance. Some articles: http://www.ritholtz.com/blog/2013/12/how-much-cash-shou...
by livesoft
Wed Jul 30, 2014 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: What percentage of my portflio should be in cash?
Replies: 10
Views: 875

Re: How does car trade-in work?

The auto-lift tailgate is nice. You press a button and the tailgate lifts up. Buttons are available on the key fob or on the tailgate itself. Since the Lexus uses proximity of the key fob, one doesn't even need to reach into your pocket: Simply grab the locked door and it unlocks for you. I bought a...
by livesoft
Wed Jul 30, 2014 10:14 am
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 59
Views: 3179

Re: Need Perspective and Advise

When I re-read what I wrote, I had this thought: What if a potential client went to this advisor with a portfolio exactly like he described to you: 18-20 good dividend payers and no bonds that the client had been actively managing. Would the advisor change his tune and say, "That's too risky an...
by livesoft
Wed Jul 30, 2014 8:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Perspective and Advise
Replies: 11
Views: 608

Re: Need Perspective and Advise

Behavioral studies show that many people fear losses more than they appreciate gains and they will do stupid things to avoid minor losses. The advisor has learned how to sell his services by playing on people's fears of losing money. He has learned to tell people how they are going to lose money wit...
by livesoft
Wed Jul 30, 2014 7:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Perspective and Advise
Replies: 11
Views: 608

Re: Advice on getting a power adapter

An A/C adapter from any ol' place such as Walmart will work as long as output is near 6 VDC and plug fits. Sometimes you have to make sure that the positive/negative of the plug is not reversed, but that so rare nowadays that I would not worry about it for devices and adapters purchased in the US. I...
by livesoft
Wed Jul 30, 2014 5:03 am
 
Forum: Personal Consumer Issues
Topic: Advice on getting a power adapter
Replies: 13
Views: 650

Re: Two days in Little Rock, AR - What to do and see?

I used to live there, but for the life of me, I cannot think of anything that one would want to do or see there.

Why not just go to Hot Springs, AR instead?
by livesoft
Tue Jul 29, 2014 10:06 pm
 
Forum: Personal Consumer Issues
Topic: Two days in Little Rock, AR - What to do and see?
Replies: 22
Views: 804

Re: Your 401k, u die, must beneficiary withdraw within 5 yea

Thanks to both for the responses. I was in the library reading an old book, so my info was stale, but I was not re-assured by talking to my plan provider.
by livesoft
Tue Jul 29, 2014 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your 401k, u die, must beneficiary withdraw within 5 years?
Replies: 13
Views: 1267

Re: Mutual fund account with Vanguard or MerrillEdge?

You can transfer securities. OK, I walked the dog, then came back and did this. For about 15 minutes of reading the internet, I will have a round-trip ticket to Maui. Now where is that thread about those 2 open nights in a condo … OK, that was easy and quick. The shares are already transferred this...
by livesoft
Tue Jul 29, 2014 8:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual fund account with Vanguard or MerrillEdge?
Replies: 31
Views: 1258

Your 401k, u die, must beneficiary withdraw within 5 years?

OK, I came across a possible problem with some 401(k) plans this week. Apparently, some plans require the beneficiaries to withdraw all the assets within 5 years after the date of death of the owner. It also seems like sometimes the beneficiaries may not be able to rollover an inherited 401(k) to an...
by livesoft
Tue Jul 29, 2014 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your 401k, u die, must beneficiary withdraw within 5 years?
Replies: 13
Views: 1267

Re: Wise to split $$ between Vanguard and advisor?

Vanguard provides face-to-face meetings through the internet. If you don't have a web cam, get your kid to install one. If you don't have one of your own kids available, get a kid from the neighborhood to install one. I think it is not wise to use that advisor at all, so it is not wise to split $$ b...
by livesoft
Tue Jul 29, 2014 5:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wise to split $$ between Vanguard and advisor?
Replies: 38
Views: 2142

Re: Wells Fargo "Wells-Trade" Brokerage Questions

I've had a WellsTrade account as part of the PMA package for quite a while. I am grandfathered into the old system where there are no fees. I have purchased Vanguard Admiral funds without commission in the past. But those were NOT index funds. Those were actively-managed Vanguard funds such as GNMA ...
by livesoft
Tue Jul 29, 2014 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wells Fargo "Wells-Trade" Brokerage Questions
Replies: 12
Views: 613

Re: Was ready to pull plug on Janus..until

Why are you buying VTI? Why not buy something at Vanguard that is riskier and has a better performance than VTI (and your Janus funds, too)?

OK, I'm just trying to figure out how you are picking investments. How are you picking investments?
by livesoft
Tue Jul 29, 2014 4:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Was ready to pull plug on Janus..until
Replies: 66
Views: 3814

Re: Help with a new $5m portfolio for an old lady

Based on the info provided, I don't see a problem investing all $5million into a single fund such as Vanguard LifeStrategy Conservative Growth fund. It is a fund of index funds. Another possibility is a Vanguard Target Retirement fund which is also a fund of index funds. If she wanted an advisor, th...
by livesoft
Tue Jul 29, 2014 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with a new $5m portfolio for an old lady
Replies: 59
Views: 4040

Re: Was ready to pull plug on Janus..until

Thanks for posting the ticker symbols. This allows one to make some better apples-to-apples comparisons rather than apples-to-oranges. Thanks to jimmyrules as well for some performance numbers. I guess a homework problem would be to check the work of jimmyrules for ourselves. :twisted: Do you unders...
by livesoft
Tue Jul 29, 2014 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Was ready to pull plug on Janus..until
Replies: 66
Views: 3814

Re: Price per share of funds different in 401K from actual p

It's really surprising that such a lack of transparency is legal It is possible that there is complete transparency. It does not have to be online on the internet to be completely transparent. Read the prospectus. There are probably auditors and accountants involved, too. OTOH, my spouse's 401(k) h...
by livesoft
Tue Jul 29, 2014 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Price per share of funds different in 401K from actual price
Replies: 8
Views: 525

Re: Was ready to pull plug on Janus..until

Please give us the ticker symbols, so that we can invest in them. Or at least we can check what you have just told us for ourselves. :)
by livesoft
Tue Jul 29, 2014 1:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Was ready to pull plug on Janus..until
Replies: 66
Views: 3814

Re: RETIREMENT ALLOCATIONS

You don't appear to have any small-cap foreign, but it is not the end of the world. I am retired and have a more aggressive asset allocation than you. If you like it, keep it. And besides, why would you take advice from random anonymous people on the internet?
by livesoft
Tue Jul 29, 2014 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Allocations
Replies: 15
Views: 1144

Re: Owning individual stocks to harvest tax losses

Some brokers offer free stock trades at 100 per year or 30 per month or whatever. Something that would bother me with such a strategy would be the dividends that would appear from the 100 stocks or so that one had bought. These dividends would not nicely all appear at the same time, so there would b...
by livesoft
Tue Jul 29, 2014 10:33 am
 
Forum: Investing - Theory, News & General
Topic: Owning individual stocks to harvest tax losses
Replies: 17
Views: 916

Re: Who determines 1099-R Codes?

It's probably his administrative assistant. My spouse had the wrong code on her 1099R and wrong amount, so I asked her to have them correct it. So they set a corrected 1099R that was also incorrect. So I asked her to have them correct that one. Eventually, they sent us a 1099-R that I was satisifed ...
by livesoft
Mon Jul 28, 2014 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who determines 1099-R Codes?
Replies: 8
Views: 663
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