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

New article today from Michael Kitces about this whole 0% tax rate thing. He has explained a lot of things in his article, so I link the article to extend the discussion: https://www.kitces.com/blog/understanding-the-mechanics-of-the-0-long-term-capital-gains-tax-rate-how-to-harvest-capital-gains-fo...
by livesoft
Wed Nov 26, 2014 8:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to pay ZERO taxes in retirement with 6-figure expenses
Replies: 162
Views: 48174

Re: AGG vs BND

Why bother with either when you probable have access to FSITX? Or do you not have access?

I'd go with BND because I'm guessing it has a lower expense ratio, but I did not look it up.
by livesoft
Wed Nov 26, 2014 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: AGG vs BND
Replies: 3
Views: 143

Re: Clash of the Titans: Traditional or Roth?

If tax rates increase, you will get a warning, so that you can disband the traditional 401(k), rollover the money to traditional IRA and convert to a Roth IRA before the tax rates go up. Also, as time goes on, inflation takes its toll and the standard deduction and exemptions creep upwards shelterin...
by livesoft
Wed Nov 26, 2014 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Clash of the Titans: Traditional or Roth?
Replies: 7
Views: 260

Re: Private college counselor

May I know what you all think other top non ivy schools are for non engineering students. Would like to avoid large schools Thanks for asking since then I feel comfortable expressing my opinion. I would not and did not pay for non-top 20 private elite university. Might as well go to state flagship ...
by livesoft
Wed Nov 26, 2014 6:38 pm
 
Forum: Personal Consumer Issues
Topic: Private college counselor
Replies: 29
Views: 910

Re: Private college counselor

TomatoTomahto wrote:I disagree with the Chinese menu 1 from column A, two from column B approach.

Thanks for the chuckle because you went on to describe one from column A and four from column B. My take-away is that you do not think 2 is enough. :)
by livesoft
Wed Nov 26, 2014 5:19 pm
 
Forum: Personal Consumer Issues
Topic: Private college counselor
Replies: 29
Views: 910

Re: best performer

What performed even better than VTCLX? Maybe you want that instead?

Once expense ratios are below about 0.2%, they don't matter as much as the actual day and price that you make your purchase(s).
by livesoft
Wed Nov 26, 2014 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: best performer - very similar index funds
Replies: 10
Views: 404

Re: 401k self directed brokerage option

We've seen a lot of variations of SDBA on the forum including limiting the fraction of one's 401(k) assets that can be diverted to it and I think "only mutual fund purchases allowed" and lots of other things like that. So basically, you will have to get involved in the committee that decid...
by livesoft
Wed Nov 26, 2014 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k self directed brokerage option
Replies: 5
Views: 202

Re: POLL: Attitude Towards Risk

That was really meant to be $240 and not $250?
by livesoft
Wed Nov 26, 2014 3:10 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Attitude Towards Risk
Replies: 40
Views: 934

Re: Livesoft can you explain how u can do this?

Thanks to retiredjg for providing links to frogmaster so that I do not have to.
by livesoft
Wed Nov 26, 2014 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Livesoft can you explain how u can do this?
Replies: 23
Views: 1637

Re: Private college counselor

I have to learn a bit more what the top schools are looking for both Ivy and other top ones. Appreciate any suggestions. Here's is what I think they are looking for: Great academics is a given, but also at least two other outstanding attributes such as athletics, music/drama, or working. This tells...
by livesoft
Wed Nov 26, 2014 1:22 pm
 
Forum: Personal Consumer Issues
Topic: Private college counselor
Replies: 29
Views: 910

Re: Roth versus Traditional Debate

I am going to convert my traditional IRA that I have not paid any taxes on the contribution into a Roth IRA and not pay any taxes on the conversion. No taxes paid on going in; no taxes owed on coming out. But let's change your scenario a bit: One can consider the taxes paid on contributions to be th...
by livesoft
Wed Nov 26, 2014 12:43 pm
 
Forum: Investing - Theory, News & General
Topic: Roth versus Traditional Debate
Replies: 15
Views: 692

Re: Private college counselor

I see this from a couple of angles. First, both my kids are in college now and went to great public high school schools that had several graduates getting into HYPMS. Second, I have written many letters of recommendation for high school students for their college apps and for their jobs afterwards. ...
by livesoft
Wed Nov 26, 2014 12:30 pm
 
Forum: Personal Consumer Issues
Topic: Private college counselor
Replies: 29
Views: 910

Re: Private college counselor

How many students from that class of 450 go to Ivies? If 90% of them go, then your school counselors are doing a better job than a private college counselor would. :)
by livesoft
Wed Nov 26, 2014 10:18 am
 
Forum: Personal Consumer Issues
Topic: Private college counselor
Replies: 29
Views: 910

Re: Rising Interest Rates And Bond Funds?

Interest rates went up in June 2013. One can chart at Morningstar.com exactly what happend to bond funds in the time frame from March 2013 to December 2013. It is so obvious what happened that even my grandmother could have observed what happened if she were still alive.
by livesoft
Wed Nov 26, 2014 10:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Rising Interest Rates And Bond Funds?
Replies: 9
Views: 798

Re: Transitioning from individual stock portfolio to index f

A $5 million taxable portfolio of equities will pay about $100K to $150K a year in dividends, so it is unlikely that these folks will be in the 0% LTCG tax bracket. The OP did not state that they wish to leave their manager which would color my response a little bit. First, if I had a taxable portfo...
by livesoft
Wed Nov 26, 2014 9:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Transitioning from individual stock portfolio to index funds
Replies: 9
Views: 652

Re: Commodity Index Fund(s)

Here is the Eric Haas, altruistfa link: http://www.altruistfa.com/commodityfunds.htm which folks should have already read. The Fidelity Freedom Index funds seem to have FCSFX Fidelity® Series Commodity Strategy Fund - Class F in them. Closed to new investors. I'll guess it was probably never was ope...
by livesoft
Wed Nov 26, 2014 8:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Commodity Index Fund(s)
Replies: 7
Views: 589

Re: Where to invest end of year bonus

The market spends most of its time at record highs since it supposedly marches higher more or less all the time. If it didn't march higher more or less all the time, then nobody would ever invest in the market. It's a bonus. Go buy another car, boat, motorcycle, watch, bicycle, necklace, or somethin...
by livesoft
Wed Nov 26, 2014 7:21 am
 
Forum: Investing - Theory, News & General
Topic: Where to invest end of year bonus
Replies: 16
Views: 1221

Re: Help: Three Fund Portfolio at Fidelity

I agree there is a bigger difference in the VG and Fido total int'l index funds than in the Fido and VG Total US index funds. Nevertheless, they are still nearly identical.
by livesoft
Wed Nov 26, 2014 7:12 am
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 36
Views: 2836

Re: Foreign Tax Credit: Worth it?

And this new thread on qualified dividend income shows how the decision inputs can be affected year-to-year and change the answer:
viewtopic.php?f=10&t=151667&newpost=2272442
by livesoft
Wed Nov 26, 2014 6:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Foreign Tax Credit: Worth it?
Replies: 2
Views: 554

Re: Random life events

1987 stock market crash
2000-2002 stock market drop
2008-2009 stock market drop

They were random, right?
by livesoft
Wed Nov 26, 2014 5:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Random life events
Replies: 34
Views: 2561

Re: Help: Three Fund Portfolio at Fidelity

My opinion is that you are just splitting hairs when writing about the differences between the Total US index funds. And that opinion extends to the minor differences between the Total Int'l index funds, too. I own both in separate retirement accounts. The Vanguard Total Int'l fund really doesn't ha...
by livesoft
Wed Nov 26, 2014 5:47 am
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 36
Views: 2836

Re: Vanguard TISM estimates low QDI?

It is also noteworthy that the Total US Stock Market Index fund and the S&P500 index fund are listed at 100% qualified so far this year, but the Extended Market index fund is somewhat lower. So the issue is not restricted to just international funds. But the fine print states that these estimate...
by livesoft
Wed Nov 26, 2014 5:39 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard TISM estimates low QDI?
Replies: 4
Views: 560

Re: How to find refundable airfare or open ticket ?

If you call up United and get a real person to help make your reservation, there is an extra fee for that which they will not tell you about on the phone.
by livesoft
Tue Nov 25, 2014 9:47 pm
 
Forum: Personal Consumer Issues
Topic: How to find refundable airfare or open ticket ?
Replies: 8
Views: 451

Re: How to find refundable airfare or open ticket ?

I recall when making a recent reservation online that I was prompted with something like "Make this ticket refundable, add $150" or something like that.
by livesoft
Tue Nov 25, 2014 9:33 pm
 
Forum: Personal Consumer Issues
Topic: How to find refundable airfare or open ticket ?
Replies: 8
Views: 451

Re: Should I add Microcaps to my portfolio?

No, you should not add microcaps to the detriment of your portfolio.
by livesoft
Tue Nov 25, 2014 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I add Microcaps to my portfolio?
Replies: 8
Views: 770

Re: Foreign Tax Credit: Worth it?

How about showing us the math? http://www.bogleheads.org/forum/viewtopic.php?f=10&t=111647 http://www.bogleheads.org/forum/viewtopic.php?f=1&t=129164 http://www.bogleheads.org/forum/viewtopic.php?f=10&t=123834 Without knowing your numbers, I will guess that some years VXUS in taxable wil...
by livesoft
Tue Nov 25, 2014 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Foreign Tax Credit: Worth it?
Replies: 2
Views: 554

Re: How should wife counter salary offer within current co.?

Hmmm, it now seems like OP's spouse was going to negotiate even without any help from the peanut gallery. In any event, I learned some things from this thread, so thanks for starting it. :)
by livesoft
Tue Nov 25, 2014 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 60
Views: 5225

Re: Crazy question about Roth IRA transfers

Yes, it is possible. Person B has to name Person A as the beneficiary of their Roth IRA. Then Person B has to kill themself. OK, they don't have to commit suicide, but they have to die.
by livesoft
Tue Nov 25, 2014 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Crazy question about Roth IRA transfers
Replies: 8
Views: 558

Re: Kindle question - online access books

I am told there are free Kindle programs to read kindle books on most other devices.
by livesoft
Tue Nov 25, 2014 2:37 pm
 
Forum: Personal Consumer Issues
Topic: Kindle question - online access books
Replies: 16
Views: 904

Re: TSM vs Small/Mid Cap fund

…. I guessed small and mid no longer has the same prospects it once did, and …. You know, there is no way to know or guess what the future holds, but I would probably guess the other way. When a sub-asset class has a bad year (but +7% is not really bad :)), that's when I want to rebalance into it o...
by livesoft
Tue Nov 25, 2014 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSM vs Small/Mid Cap fund
Replies: 10
Views: 655

Re: Huge salary increase...looking for guidance

Even though the OP is leaning away from a financial advisor, I thought this was a good article on how to find a financial advisor with a little bit of an added twist from standard advice in the last part of the article:
http://www.pbs.org/newshour/making-sens ... al-adviso/
by livesoft
Tue Nov 25, 2014 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Huge salary increase...looking for guidance
Replies: 26
Views: 3219

Re: TSM vs Small/Mid Cap fund

Who really ever knows why something goes in and out of favor? I'll take a stab at it anyways. I think foreign investors have moved to safer (to them) equities which means (a) familiar US equities, (b) not foreign equities, (c ) very large-cap US equities, and (d) not small/mid-cap US equities. Basic...
by livesoft
Tue Nov 25, 2014 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSM vs Small/Mid Cap fund
Replies: 10
Views: 655

Re: Avoiding lifestyle creep

Build your taxable account. As long as you do not spend this money, you will avoid lifestyle creep. Another way to avoid the creep is to keep working and add more hours so that there is really no time to spend any money.
by livesoft
Tue Nov 25, 2014 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding lifestyle creep
Replies: 21
Views: 2627

Re: Been out of market since 2008 and can't get back in

The OP is an ideal candidate for a portfolio of CDs and Treasury bonds which would pay a lot more than money market account. It does not appear that they need to own any equities whatsoever in order to meet their goals. Nor do they need to really worry about inflation. Just keep working and saving. ...
by livesoft
Tue Nov 25, 2014 12:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Been out of market since 2008 and can't get back in
Replies: 48
Views: 3604

Re: Strategically not paying medical bills for 90 days for a

I'm chuckling if you believe this works for more than a smidgeon of bills. I'd like you to try to get some kind of audited statements that your friend has made more than $100 doing this. I have several times let medical bills go much more than 90 days late, but mostly because they are confusing and ...
by livesoft
Tue Nov 25, 2014 9:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Strategically not paying medical bills for 90 days for a dis
Replies: 30
Views: 2609

Re: Create new account in case mom outlives assets--How to?

It seems some folks got caught up on the dependent part. Don't forget that's a technical tax term for getting an exemption on one's tax return. One can still pay for all the support of someone (it is not illegal to do so) who is not your dependent in the eyes of the IRS. How many folks have unemploy...
by livesoft
Tue Nov 25, 2014 5:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Create new account in case mom outlives assets--How to?
Replies: 15
Views: 1230

Re: Savings for Child

What gift tax benefits? If you are writing about giving someone $14,000 a year without you having to file a gift tax return, then yes, if you open a Vanguard account in your name, then you can still give $14,000 a year to anybody from that account without having to file a gift tax return. So say you...
by livesoft
Tue Nov 25, 2014 5:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Savings for Child
Replies: 3
Views: 563

Re: Mortgage/Ins/Taxes as a % of income

It might be a moving target. For instance, when younger and just getting that first home, there is a standard number, but if one had no increase income and paid that percentage for 30 years, it would not be good. That is, one could stretch while younger and expecting growth in income. At the other e...
by livesoft
Mon Nov 24, 2014 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage/Ins/Taxes as a % of income
Replies: 3
Views: 676

Re: Huge salary increase...looking for guidance

The way to invest in art is to pay for a wing at the Tate Gallery or some other respectable museum.
by livesoft
Mon Nov 24, 2014 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Huge salary increase...looking for guidance
Replies: 26
Views: 3219

Re: Simple Question

Sell it. This is the fund used by American Century in their so-called Gifttrust UGMA/UTMA plans. One can do much better.

Whether one sells all this year, all next year, or some each year is another matter based on your personal tax situation.
by livesoft
Mon Nov 24, 2014 8:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simple Question
Replies: 3
Views: 364

Re: Girlfriend with a LOT of Student debt.

Maybe her parents are wealthy and she expects a windfall.
by livesoft
Mon Nov 24, 2014 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 162
Views: 11513

Re: Huge salary increase...looking for guidance

Basically, yes, you just put the money into tax-efficient stock index funds and tax-efficient muni bond funds. You can do real estate if you like as well, but I would not do that without a base in index funds myself. I personally have not seen any secret advice that really helps beyond this except i...
by livesoft
Mon Nov 24, 2014 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Huge salary increase...looking for guidance
Replies: 26
Views: 3219

Re: Approximating total stock market

Vanguard Portfolio Watch does not breakdown non-Vanguard funds into the large/mid/small nor into value/blend/growth. It will put an entire fund into one of the 9 boxes of the style grid. That works if the non-Vanguard fund is relatively "pure" as far as going into a single box. That means,...
by livesoft
Mon Nov 24, 2014 7:21 pm
 
Forum: Investing - Theory, News & General
Topic: Approximating total stock market
Replies: 3
Views: 443

Re: Investing options for my child

We just invest in our own accounts for us and our children. They get any money with give them anyways.
by livesoft
Mon Nov 24, 2014 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing options for my child
Replies: 7
Views: 371

Re: Did I overcontribute to my HSA? What do I do now?

In my case, I left my job and that limited the contributions that I was allowed to make since it is pro-rated for the months per year that one is eligible for an HSA/HDHP. Another twist was that my employer forgot to stop contributing to my HSA even though I no longer worked for them.
by livesoft
Mon Nov 24, 2014 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did I overcontribute to my HSA? What do I do now?
Replies: 7
Views: 530

Re: Looking for a career playing to these strengths

Bartender immediately jumps into my head as a great career for you. You could be giving advice daily very easily after opening your own bar.
by livesoft
Mon Nov 24, 2014 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for a career playing to these strengths
Replies: 4
Views: 513

Re: "Which Accounts Should I Spend from Each Year in Retirem

Nice article which ends with Caveat number two: The approach presented above is very generalized. That is, any given person is likely to have factors affecting the decision in addition to the factors mentioned above. So, if you want the best analysis, meeting with a tax professional who can look at ...
by livesoft
Mon Nov 24, 2014 3:37 pm
 
Forum: Investing - Theory, News & General
Topic: "Which Accounts Should I Spend from Each Year in Retirement?
Replies: 3
Views: 836

Re: Did I overcontribute to my HSA? What do I do now?

I wanted to get the check before the end of 2014 so that I would not have any income from this appear on a 2015 tax return that I would file until October 2016 (2 years from now). I actually do not see how you would not know NOW how much excess you have or will have if you do not change things. Plus...
by livesoft
Mon Nov 24, 2014 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did I overcontribute to my HSA? What do I do now?
Replies: 7
Views: 530

Re: ETF return data location

morningstar.com is what I typically use for ETFs and mutual funds and stocks and whatever.
by livesoft
Mon Nov 24, 2014 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: ETF return data location
Replies: 4
Views: 235

Re: Did I overcontribute to my HSA? What do I do now?

To correct this year, you will have to ask the HSA institution to refund the excess contribution. I also had to do that. My HSA place had a form for that which I printed out and mailed in. It was pretty trivial to do. I forget how to put that on my tax forms, but will figure it out before I submit m...
by livesoft
Mon Nov 24, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did I overcontribute to my HSA? What do I do now?
Replies: 7
Views: 530
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