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Re: New Orleans Destinations

^I won't tell you where I was born.
by livesoft
Sat Mar 28, 2015 10:14 pm
 
Forum: Personal Consumer Issues
Topic: New Orleans Destinations
Replies: 21
Views: 1260

Re: Question about saving for retirement when a postdoc

That $9000 in a brokerage account is a respectable emergency fund.
by livesoft
Sat Mar 28, 2015 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about saving for retirement when a postdoc
Replies: 8
Views: 424

Re: My Strategy For A Market Crash

When equities drop 25% to 30% or whatever, I do not believe it is sufficient to simply reinvest dividends. I will sell bond fund shares and buy stock fund shares in order to maintain my asset allocation. That's what I did in 2008-2009 and all other years. Conversely, when equities go up 25% to 30% o...
by livesoft
Sat Mar 28, 2015 9:15 pm
 
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 5
Views: 669

Re: Beginning Dividend Investing For Passive Income

There is no reason to pay any commissions or transaction fees when investing anymore. There are plenty of places that will give one free trades if they have a reasonable size portfolio. If one doesn't have a reasonable size portfolio, then grow it in no-transaction-fee index mutual funds first. On t...
by livesoft
Sat Mar 28, 2015 7:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginning Dividend Investing For Passive Income
Replies: 8
Views: 617

Re: Sued and won for drycleaner losing suit, suit now found.

Maybe the drycleaner filed an appeal on Friday?
by livesoft
Sat Mar 28, 2015 6:54 pm
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 52
Views: 4936

Re: How to understand tax return

irs.gov is probably the best web site for you. Maybe start by reading Publication 17. Simply enter "Pub 17" in your browser address and you will find it. Go from there.
by livesoft
Sat Mar 28, 2015 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Do 457 and extra pension contribs appear on tax return?]
Replies: 5
Views: 421

Re: Selling mutual funds before or after dividends

FreeAtLast wrote:sageegirl: it was strafe who gave the compliment.....he (or she) referred to Mel as Taylor L.

… unless strafe was referring to a Taylor post that is not in this thread.
by livesoft
Sat Mar 28, 2015 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: Selling mutual funds before or after dividends
Replies: 10
Views: 546

Re: Does a Fixed Income 529 Make Sense Even if Overfunded?

These seems like a great way to set up a poor man's educational family trust for those who put monies into the 529's that they never need. If one planned that, then I hope they would not invest their 529 plan predominantly in a fixed income fund. Also consider an alternative: Investing tax-efficien...
by livesoft
Sat Mar 28, 2015 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does a Fixed Income 529 Make Sense Even if Overfunded?
Replies: 17
Views: 707

Re: Question about saving for retirement when a postdoc

A taxable account is a perfectly acceptable and great way to invest for the future. One can invest tax efficiently in such an account. There are no limits on contributions, too. One can always sell assets in such a taxable account at any time, but some times are better than others in order to minimi...
by livesoft
Sat Mar 28, 2015 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about saving for retirement when a postdoc
Replies: 8
Views: 424

Re: Is this a decent withdrawal strategy?

As noted, such a portfolio would pay out about 2% in dividends, so no need to sell any shares. The dividends would appear at different time points throughout the year: some monthly, some quarterly, some twice a year, and some once a year.
by livesoft
Sat Mar 28, 2015 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is this a decent withdrawal strategy?
Replies: 12
Views: 765

Re: Overlap between VFSVX and VTIAX

Yes, there is overlap. Here is a chart of the overlap: viewtopic.php?f=1&t=153841

VFSVX is fully contained within VTIAX and overlaps with it 100%.

And no, the stocks in VFSVX are not too small to include in VTIAX.
by livesoft
Sat Mar 28, 2015 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Overlap between VFSVX and VTIAX
Replies: 1
Views: 193

Re: Michael Spence: Are Equities Overvalued?

Pretty much by definition equities have to be priced at the point where no one really knows where they will go next. Otherwise equities would have adjusted to those prices already. The equilibrium point will always be where some folks think equities will go up (otherwise they would not own them) and...
by livesoft
Sat Mar 28, 2015 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: Michael Spence: Are Equities Overvalued?
Replies: 8
Views: 740

Re: Risk Questionnaires: How they work?

One way to do it might be to take a large group of investors and survey them. The investors would have to already have asset allocations that they were comfortable with along with known goals (retirement, college, legacy, …) and known time frames (next year, 5 years, 10 years, …). Then the survey co...
by livesoft
Sat Mar 28, 2015 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: Risk Questionnaires: How they work?
Replies: 11
Views: 453

Re: When does a 529 plan make sense to me?

I am still writing off losses from tax-loss-harvesting and will do so for quite some time, so that I will not need to pay taxes in retirement. However, that does not rationalize not taking advantage of other tax breaks such as 529 plans when they fall into my lap. Let me ask you this: In 2015, will ...
by livesoft
Sat Mar 28, 2015 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 181
Views: 7570

Re: Taxable savings vs versus deferred non 401k/403b

Investing tax-efficiently in a taxable account is better than investing in a non-deductible tIRA or 457b plan. The reason is that the gains are taxed more favorably with the taxable account. Also unrealized gains are not taxed. The only reason to invest to a non-deductible tIRA is to convert the con...
by livesoft
Sat Mar 28, 2015 9:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxable savings vs versus deferred non 401k/403b
Replies: 5
Views: 278

Re: Does a Fixed Income 529 Make Sense Even if Overfunded?

Where else can you get 2.01% risk free? There are a number of CD's paying more than 2%. For instance: CUSIP: 254672LC0 But I would challenge the need for "risk free". Furthermore, the amount of money involved for the OP should be such a small percentage of their assets that it just doesn'...
by livesoft
Sat Mar 28, 2015 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Does a Fixed Income 529 Make Sense Even if Overfunded?
Replies: 17
Views: 707

Re: Does a Fixed Income 529 Make Sense Even if Overfunded?

I think it is a bad idea. I think if one is in a high tax bracket, then they can take more calculated risks than what you propose.
by livesoft
Sat Mar 28, 2015 8:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Does a Fixed Income 529 Make Sense Even if Overfunded?
Replies: 17
Views: 707

Re: How do you invest to give back?

There are quite a lot of posts on the forum about charitable giving. There are posts about Donor-Advised Funds and gifting appreciated shares held more than a year to charity. I personally do not think that one needs to do anything differently in order to "invest to give back". One just ne...
by livesoft
Sat Mar 28, 2015 7:10 am
 
Forum: Investing - Help with Personal Investments
Topic: How do you invest to give back?
Replies: 13
Views: 802

Re: Boglehead Concert Goers?

Last concert I went to was in a friend's home. Parking, drinks, and dinner basically free, although I did all the photography and video for the event. One can get professionals to come by one's home if you like. Here is how it was done:
https://fanswell.com
by livesoft
Fri Mar 27, 2015 11:23 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Concert Goers?
Replies: 61
Views: 3020

Re: Deposits to Foreign Account: Taxable?

These are NOT taxable. Only income (earned, unearned) is possibly taxable. Her fellowship money may be taxable, but probably not. I lived overseas with a fellowship that was not reportable and not taxed. Nevertheless, I had to report I had a foreign bank account. She can read some of the FBAR [repor...
by livesoft
Fri Mar 27, 2015 8:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deposits to Foreign Account: Taxable?
Replies: 3
Views: 322

Re: New Orleans Destinations

Thanks dickyboy, that's mostly my feeling as well, but not quite. I think they should let it flood and turn it into a Pompei-style historical site with glass-bottom boats to view the streets and buildings under the water. Maybe add gondola rides, too. http://cache.graphicslib.viator.com/graphicslib/...
by livesoft
Fri Mar 27, 2015 7:42 pm
 
Forum: Personal Consumer Issues
Topic: New Orleans Destinations
Replies: 21
Views: 1260

Re: How are qualified dividends taxed?

cheesepep wrote:According to TaxCaster on my iPad, you would owe $7,943 in taxes, or about 8% tax rate (if single).

According to TaxCaster online, if you were married, both spouses age 67, taking the standard deduction you would owe only $525 in taxes.
by livesoft
Fri Mar 27, 2015 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: How are qualified dividends taxed?
Replies: 6
Views: 611

Re: How to conservatively Manage Investments

One can hide volatility in a fund that has both stocks and bonds. This can be very useful to folks who worry about changes in their stock-only funds. It is a little harder to do this hiding tax-efficiently. But two funds would help you: 1. For tax-advantaged account something like Vanguard LifeStrat...
by livesoft
Fri Mar 27, 2015 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to conservatively Manage Investments
Replies: 8
Views: 714

Re: Strategy for avoiding tax hit on rebalancing?

Back of envelope calculation: Need to sell 20% of $3MM portfolio or $600K. All equities. It is unlikely that the equities have zero cost basis. Let's say cost basis is $200K, so LTCG is $400K. LTCG on $400K is about $60K if spread over 3 years or so. Don't forget that return of capital is tax-free. ...
by livesoft
Fri Mar 27, 2015 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Strategy for avoiding tax hit on rebalancing?
Replies: 4
Views: 560

Re: Son graduating college-what to do?

I had 4 other roommates when I first graduated from college and no car. I didn't own a car for several years. I wasn't required to have health insurance, so I didn't have any.
by livesoft
Fri Mar 27, 2015 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Son graduating college-what to do?
Replies: 36
Views: 2613

Re: Son graduating college-what to do?

My oldest graduated from college last year and has a good job. We support her financially in the following ways: 1. She drives my old car which I still own. 2. She is still on our auto insurance. 3. Her cell phone is still on our family plan. 4. We give her 100% of her Roth IRA contribution. 5. We r...
by livesoft
Fri Mar 27, 2015 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Son graduating college-what to do?
Replies: 36
Views: 2613

Re: [Poll] Would you be disappointed if VG advertised more?

Lots of Vanguard ads already and most of them have pictures of babies. Maybe one of those babies is Tommy Lee Jones when he was younger?

What's next? Cats?
by livesoft
Fri Mar 27, 2015 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] Would you be disappointed if VG advertised more?
Replies: 19
Views: 1272

Re: When does a 529 plan make sense to me?

As I understand it, you are going to cash-flow helping your children pay for college. I did some of that. My youngest goes to a similar cost university. If you are eligible for the AOTC, then you are not wealthy as far as paying for college goes. However, if you are not eligible for the AOTC, then y...
by livesoft
Fri Mar 27, 2015 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 181
Views: 7570

Re: Which house would a Boglehead choose?

Which house would sell more easily in the future? Looks like option A to me, but neither option is bad.
by livesoft
Fri Mar 27, 2015 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which house would a Boglehead choose?
Replies: 24
Views: 1582

Re: Why 529 plan makes any sense??

Well, I have always maintained that 529 plans are for the wealthy. I am on record for that. And in that sense, 529 plans do not make sense since they are just another tax break for the wealthy. Whether one wants to help their children with paying for college is not the original topic. However, your ...
by livesoft
Fri Mar 27, 2015 12:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 181
Views: 7570

Re: Why 529 plan makes any sense??

If you are a resident of Virginia, then I believe you have thrown away free tax breaks if you have not used a 529 plan. Are you taking advantage of other tax breaks for education as discussed in IRS Publication 970? If not, then why not? What does that teach your children?
by livesoft
Fri Mar 27, 2015 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 181
Views: 7570

Re: American Opportunity Tax Credit / 529 Plans

One can certainly launder the money through the 529 plan for the tax break. The AOTC can be used with the principal of that money, but not the gains. Here is a thread that you may wish to read: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=156267 Oh, be sure to read the rules for the AOTC...
by livesoft
Fri Mar 27, 2015 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: American Opportunity Tax Credit / 529 Plans
Replies: 1
Views: 193

Re: Why 529 plan makes any sense??

How old are your children?
by livesoft
Fri Mar 27, 2015 9:10 am
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 181
Views: 7570

Re: Splitting a Food Tab on a Combined Birthday Lunch

Here is a very useful article about how to figure out who buys lunch or dinner: http://www.nytimes.com/2015/03/26/your- ... irtue.html
by livesoft
Fri Mar 27, 2015 8:06 am
 
Forum: Personal Consumer Issues
Topic: Splitting a Food Tab on a Combined Birthday Lunch
Replies: 54
Views: 3684

Re: 401K committee asking for bond help...

I suggest a short-term bond fund such as VSCSX or VFSUX.
by livesoft
Thu Mar 26, 2015 9:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K committee asking for bond help...
Replies: 7
Views: 479

Re: Macbook Air - software question

I click on "File / Print ...", then in the dialog that pops up, is an option menu in the lower left "PDF". Click on that and select the option you want.
by livesoft
Thu Mar 26, 2015 9:15 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air - software question
Replies: 4
Views: 581

Re: Schwab / Vanguard Fund & Allocation Advice

There appears to about about $50K in the Vanguard taxable account split into 12 funds and many of them are tax inefficient. I wonder what the thought process was about that? Nevertheless, that Vanguard taxable account should only have one or two funds in it right now: Total US Stock Market Index and...
by livesoft
Thu Mar 26, 2015 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Schwab / Vanguard Fund & Allocation Advice
Replies: 10
Views: 1108

Re: UGMA vs Kids Savings account

Here's the legalese from CapOne, which sounds like an UGMA: I am going to disagree. It's a joint account with the kid first despite the legalese. The UGMA is not a joint account. UGMA/UTMA require custodians. There is no custodian involved with a joint account. Many banks have these types of joint ...
by livesoft
Thu Mar 26, 2015 6:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: UGMA vs Kids Savings account
Replies: 5
Views: 396

Re: Help me understand Vanguard Small-Cap Value (VSIAX)

This fund has small-caps and mid-caps. If one does a Morningstar instant X-ray analysis one can see the 9-box style grid for the breakdown of market-cap vs value/blend/growth style. It is all rather artificial anyways. Read the explanation of the style grid provided at M*. For further homework: What...
by livesoft
Thu Mar 26, 2015 2:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me understand Vanguard Small-Cap Value (VSIAX)
Replies: 8
Views: 858

Re: Getting Paid In Foreign Currency

Years ago, I did receive cash in envelopes for foreign consulting gigs. I took the foreign cash to a local bank in the host country and bought travelers checks in US dollars, then carried those back with me on the plane. That income was declared on my Schedule C. I did not worry about foreign taxes ...
by livesoft
Thu Mar 26, 2015 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting Paid In Foreign Currency
Replies: 4
Views: 310

Re: Worth buying a smart phone if you already have one for w

I had an employer-provided smart phone. The written policy was that it could be used for personal use, too, as long as one didn't cost the company money. There is nothing in my private life that I needed to keep from my employer, so I just didn't care. Nevertheless, I did not have my personal e-mail...
by livesoft
Thu Mar 26, 2015 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Worth buying a smart phone if you already have one for work?
Replies: 23
Views: 1653

Re: Wise move to move some $ to cash before bear market?

There is no reason to go to cash at some random point before a bear market. One loses too much money waiting for such a bear market to happen. Better is to simply have an allocation to fixed income to use to buy equities whenever one needs to. For instance, I have about 33% to 35% of my portfolio in...
by livesoft
Thu Mar 26, 2015 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 64
Views: 5191

Re: Dip? What Dip? Did you catch it?

Rebalancing has quite a lot to do with catching dips. It is unlikely that one would be out of balance without a significant change of market values.

I've seen it often posted that if one has the money then one should not wait to invest it. So if you have the money why wait?
by livesoft
Wed Mar 25, 2015 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 121
Views: 10457

Re: Why 529 plan makes any sense??

Roth before 529 for me.
by livesoft
Wed Mar 25, 2015 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 181
Views: 7570

Re: Dip? What Dip? Did you catch it?

No, it is not time to catch the falling knife unless you have reached a rebalancing band which is very doubtful.

Some folks need to be made aware that some dividends were paid in the past few days, so that some of the price drop is due to that.
by livesoft
Wed Mar 25, 2015 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 121
Views: 10457

Re: Total Bond Index Fund question

It doesn't really matter what you do or choose in this case. You are worried about the noise provided by this forum, experts, and non-experts alike.

Any explanations will just add to the noise, so do not seek them.
by livesoft
Wed Mar 25, 2015 6:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Index Fund question
Replies: 2
Views: 386

Re: Mom seeking financial help - what to do?

You write of "tough love" needed for your brother. It seems you need to practice "tough love" with your mother.

A family member of mine could not afford their dogs, so they gave them up.

Also your mother may be lying about needing $1000 to pay for her taxes.
by livesoft
Wed Mar 25, 2015 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mom seeking financial help - what to do?
Replies: 62
Views: 4338
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