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Re: HSA Questions

One might be able to pay 13 months of mortgage in one year and 11 months in the next year. It's these small things that can make a difference of a few hundred dollars.
by livesoft
Wed Aug 20, 2014 7:41 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA Questions
Replies: 10
Views: 568

Re: Using an advisor for fudiciary guidance

Rant is fine, but is there a benchmark fee you charge? :)
by livesoft
Wed Aug 20, 2014 6:58 am
 
Forum: Investing - Theory, News & General
Topic: Using an advisor for fudiciary guidance
Replies: 5
Views: 404

Re: Reducing time spent paying bills

I guess the first thing is to stop buying stuff and spending money. That saves lots of time right there. Next is to pay for everything possible with a credit card. I even paid college tuition with a 2% cash-back credit card (and the university did not charge extra for that). We have a few places aut...
by livesoft
Wed Aug 20, 2014 6:46 am
 
Forum: Personal Consumer Issues
Topic: Reducing time spent paying bills
Replies: 8
Views: 391

Re: Online Brokerage Recommendations

Why not Merrill Lynch Edge via your Bank of America? The commissions are FREE. Another low-commission place for stocks is WellsTrade where commissions are FREE to me, but would probably cost you $6.95. Here is something I wrote up about brokers: http://www.bogleheads.org/forum/viewtopic.php?p=215826...
by livesoft
Tue Aug 19, 2014 9:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Online Brokerage Recommendations
Replies: 4
Views: 348

Re: New Investor!! Did I make a mistake?

Yes. First, thank your father who steadily contributed to that fund for your benefit. Second, ask your father if he ever filed tax returns on your behalf duly noting and reporting the reinvestment of dividend and capital gain distributions -... The cost basis does not depend on whether the parent f...
by livesoft
Tue Aug 19, 2014 9:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor!! Did I make a mistake?
Replies: 39
Views: 1402

Re: Questions about fertilizing and seeding lawn

Rather than seeding, one may wish to consider buying sod. In our area, one can replace their lawn every year for less than the cost of watering it since sod is so cheap. We have found that installing sod is trivial.
by livesoft
Tue Aug 19, 2014 9:17 pm
 
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 16
Views: 986

Re: Reporter doing story on new money to Vanguard

Do you know anything else about the story? Would she want to use full names? I have spoken with Ms Grind on the phone in the past. Reporters like to use full names. You have probably read some of their stories with snippets like "Sally Smith, an avid mid distance runner and Harvard graduate st...
by livesoft
Tue Aug 19, 2014 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on new money to Vanguard
Replies: 6
Views: 1171

Re: New Investor!! Did I make a mistake?

As noted by many respondents, it is best to leave all this alone until you learn some more. After you learn some more, then you may wish to do something before the end of 2014.
by livesoft
Tue Aug 19, 2014 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor!! Did I make a mistake?
Replies: 39
Views: 1402

Re: New Investor!! Did I make a mistake?

Am I correct in saying that worst case scenario I'm taxed 15% on the $10,000 and best case scenario my capital gains tax rate is 0% and I learn from my mistakes? I think that is almost correct. You will not be taxed on the $10,000, but on whatever realized capital gain you have. The tax rate could ...
by livesoft
Tue Aug 19, 2014 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor!! Did I make a mistake?
Replies: 39
Views: 1402

Re: New Investor!! Did I make a mistake?

OP - you may have accidently done a brillant move. If you have little to no other income, then consider exchanging the rest of the Star fund for some other Vanguard fund/etf as you will get the capital gains benefit at 0% (long term ones). So later in 10-50 years when you sell the same units/shares...
by livesoft
Tue Aug 19, 2014 8:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor!! Did I make a mistake?
Replies: 39
Views: 1402

Re: Retired.... Structure spending instead of accumulation.

It is a personal decision. I do not have cash or MM to spend out of my portfolio. I simply spend whatever makes sense. It could be dividends, distributions, bond fund shares, or equity fund shares. Cash has been shown to be a drag on returns and mental accounting crutch. I don't need the crutch, but...
by livesoft
Tue Aug 19, 2014 8:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retired.... Structure spending instead of accumulation.
Replies: 1
Views: 262

Re: New Investor!! Did I make a mistake?

convestor21 wrote:Care to elaborate on why you would not buy this fund?

I will leave that for you to figure out on your own. Hint: It may require reading some books.
by livesoft
Tue Aug 19, 2014 8:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor!! Did I make a mistake?
Replies: 39
Views: 1402

Re: New Investor!! Did I make a mistake?

It is logical that the STAR fund will probably not be part of the OP's long-term investment portfolio. It has served its purpose and a new era begins. For me, I would never buy Vanguard Growth Index fund. As for taxes, they may be ameliorated by selling the shares of STAR fund piecemeal across 2 or ...
by livesoft
Tue Aug 19, 2014 8:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor!! Did I make a mistake?
Replies: 39
Views: 1402

Re: Best way to control someones account.

I suggest you do not put your name on their accounts. If you are sued and your name is on their accounts, then those accounts are exposed to a judgement against you. I don't know if this is the best way, but what I do is sit next to my children and tell them what to do while they are logged in to th...
by livesoft
Tue Aug 19, 2014 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best way to control someones account.
Replies: 7
Views: 520

Re: New Investor!! Did I make a mistake?

What percentage of the STAR fund is invested in equities?
by livesoft
Tue Aug 19, 2014 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor!! Did I make a mistake?
Replies: 39
Views: 1402

Re: New Investor!! Did I make a mistake?

Yes, this was a mistake. Relax. You will make many mistakes going forward, so no big deal. HOWEVER, …

Slow down. Read some books on investing. Read the IRS publications on taxes. Don't 'make another move without checking back here first.
by livesoft
Tue Aug 19, 2014 7:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor!! Did I make a mistake?
Replies: 39
Views: 1402

Re: Using an advisor for fudiciary guidance

Fidelity does all these things. There is no need for an "advisor". Your 401(k) committee has a fiduciary responsiblity which the members cannot shirk nor offload to an advisor.

I'll say that what you have listed should cost at most $10,000 even from Fidelity.
by livesoft
Tue Aug 19, 2014 6:55 pm
 
Forum: Investing - Theory, News & General
Topic: Using an advisor for fudiciary guidance
Replies: 5
Views: 404

Re: Vanguard as Very Long Term Stock Broker?

This strikes me as a very unusual thread. When I read the OP, I thought the replies would be about the folly of buying individual stocks and being on the wrong forum. Instead, all replies were on what is the best for trading stocks. When did we change? I'm confused. :confused Paul It has always bee...
by livesoft
Tue Aug 19, 2014 6:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard as Very Long Term Stock Broker?
Replies: 18
Views: 1398

Re: Help talk family out of moving money to new attractive f

Would this be enough? "If you invest in index funds with comparable risk level to that other actively-managed fund, I guarantee the index funds will do better. I am so confident that I will pay you the difference if the actively-managed fund does better after you have ignored it and used index ...
by livesoft
Tue Aug 19, 2014 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help talk family out of moving money to new attractive fund
Replies: 4
Views: 428

Re: Roth 401K

Some Bogleheads assume that all other Bogleheads make a lot of money. I am 23 and I'm in the 15% tax bracket. Obviously Roth 401(k) would be good for me (if my employer offered it). Not necessarily. First, you can contribute to a Roth IRA instead of a traditional 401(k). It is possible that you are...
by livesoft
Tue Aug 19, 2014 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401K
Replies: 4
Views: 303

Re: Tract Home - Things to Watch During Construction

Network will be wireless in modern houses.
by livesoft
Tue Aug 19, 2014 4:43 pm
 
Forum: Personal Consumer Issues
Topic: Tract Home - Things to Watch During Construction
Replies: 22
Views: 1047

Re: Roth 401K

So why not also convert a traditional 401(k) to a Roth IRA while in those low income years? Why pay 28%+ when you can pay much less?
by livesoft
Tue Aug 19, 2014 4:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401K
Replies: 4
Views: 303

Re: Moving from individual stock to indices - portfolio help

Sorry, but I got thrown off by your premise of having taxable mirror the other accounts. I just don't agree with that. Perhaps others also got thrown off by this.

It sure seems like you know what you want to do, so just do it.
by livesoft
Tue Aug 19, 2014 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving from individual stock to indices - portfolio help?
Replies: 11
Views: 565

Re: VTSMX in Roth IRA and Taxable Account

imgritz wrote:The primary account for Total Stock Market should be in a taxable account.

I don't even know what that statement means. Can you help explain what you mean by that?
by livesoft
Tue Aug 19, 2014 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTSMX in Roth IRA and Taxable Account
Replies: 8
Views: 393

Re: VTSMX in Roth IRA and Taxable Account

Yes, it would be wise.
by livesoft
Tue Aug 19, 2014 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTSMX in Roth IRA and Taxable Account
Replies: 8
Views: 393

Re: Reporter doing story on new money to Vanguard

I'll have my son give her a call. His financial advisor just made him open a Roth IRA at Vanguard this morning. It is his very first investment account and he put his contribution into the Target Retirement 2050 fund. On second thought, maybe he should not call her. The conversation might go somethi...
by livesoft
Tue Aug 19, 2014 1:40 pm
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on new money to Vanguard
Replies: 6
Views: 1171

Re: HSA Questions

^Exactly, HSA contributions have nothing really to do with Schedule A and itemized deductions. Nevertheless, it appears to me that the OP can benefit from bunching deductions.
by livesoft
Tue Aug 19, 2014 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Questions
Replies: 10
Views: 568

Re: More Advanced Retirement Calculator?

http://www.firecalc.com allows this.

So do many of the calculators listed in the Wiki. Look at cfiresim for starters.
by livesoft
Tue Aug 19, 2014 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: More Advanced Retirement Calculator?
Replies: 5
Views: 674

Re: Rebalancing After a Correction

So you have 26% in equities. A 10% drop would drop your portfolio by 2.6% and a 20% correction would drop it by about 5%.

I would have to say that you wouldn't have to rebalance after such a correction because your portfolio change would be so small that you might not even notice it.
by livesoft
Tue Aug 19, 2014 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing After a Correction
Replies: 11
Views: 773

Re: HSA Questions

As for HSA, have your employer take $1,000 out of your next paycheck and put it in your HSA.

Then change rest of year paychecks to make sure you do not overcontribute for the year.

No need to put your own cash into HSA.
by livesoft
Tue Aug 19, 2014 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA Questions
Replies: 10
Views: 568

Re: HSA Questions

Just want to make sure because we end up coming out very slightly ahead with standard deductions over itemizing. This caught my eye. Such a situation calls for bunching of deductions into every other year, so one year you do the standard deduction and the next year you itemizing because you have do...
by livesoft
Tue Aug 19, 2014 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA Questions
Replies: 10
Views: 568

Re: Questions about fertilizing and seeding lawn

That reads like a LOT of fertilizer and lime for 1,000 sq ft. Are you sure the numbers are not 10,000 sq ft? I would advise not applying that much of either at one time. I would take the go-slow approach and perhaps apply one-third of the recommended amounts about once a month and see what happens. ...
by livesoft
Tue Aug 19, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 16
Views: 986

Re: eBay product misrepresented

I don't quite understand. Aren't alterations requested when one purchases a jacket and before one picks it up and takes it home? I know that's the way it was done 30 years ago when I bought a blazer. I can even see that the tailor snipped the threads holding the pockets closed. In other words, this ...
by livesoft
Tue Aug 19, 2014 7:35 am
 
Forum: Personal Consumer Issues
Topic: eBay product misrepresented
Replies: 7
Views: 617

Re: Vanguard as Very Long Term Stock Broker?

Well, for example, let's start with TD Ameritrade. Here's the fee schedule: https://www.tdameritrade.com/pricing/brokerage-fees.page Unfortunately, at this time, I do not have enough money to make it Apex. I'm also not a trader. That means I would have to abide by the regular fee schedule. Let's st...
by livesoft
Mon Aug 18, 2014 11:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard as Very Long Term Stock Broker?
Replies: 18
Views: 1398

Re: Do you know any of the 36% [that don’t save for retireme

Here is a tip that worked for my children: I forced them to open Roth IRAs with their job earnings. They would not do it unless I forced them to do it. To make it worth their while, I simply give them the money to put in the Roth IRA. In other words, I essentially double their salaries since they ar...
by livesoft
Mon Aug 18, 2014 10:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: [helping a family member to start investing]
Replies: 10
Views: 784

Re: difference in performance between VXUS and VTIAX

Oh, that's easy: The closing price of VXUS is based on the last trade and not on its NAV. And the last trade may not be meaningful in that it could have been for one (1) share. Furthermore, maybe it has nothing to do with today's last trade, but something to do with the previous session's closing pr...
by livesoft
Mon Aug 18, 2014 10:33 pm
 
Forum: Investing - Theory, News & General
Topic: difference in performance between VXUS and VTIAX
Replies: 12
Views: 1092

Re: (New)Need Financial Jedi Master Assistance

^Not a problem since he would not spend the money, thus liquidity would not be a problem. He would simply transfer the money back into the 401(k).
by livesoft
Mon Aug 18, 2014 10:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Boglehead - Looking for some advice
Replies: 12
Views: 696

Re: Selling 2 Individual Stocks in a VG Brokerage Roth IRA

And here is a screen shot where I sell 10,000 shares of JNJ at Vanguard with a market order: http://i59.tinypic.com/20929s6.jpg Both JNJ and Kellogg trade with very high volume, so submitting a market order after 9:35 am eastern time would be fine I would think. The Bogleheads' wiki has more info on...
by livesoft
Mon Aug 18, 2014 9:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling 2 Individual Stocks in a VG Brokerage Roth IRA
Replies: 12
Views: 479

Re: Selling 2 Individual Stocks in a VG Brokerage Roth IRA

Is there a tutorial somewhere about how to sell a stock in your IRA with Vanguard? I am unaware of a Vanguard tutorial, but almost all brokers present a similar interface. Here is a post with screen shots of 3 different brokers, Vanguard's is similar: http://www.bogleheads.org/forum/viewtopic.php?p...
by livesoft
Mon Aug 18, 2014 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling 2 Individual Stocks in a VG Brokerage Roth IRA
Replies: 12
Views: 479

Re: liquidity of bond fund in taxable

No issues that I see. However, you might look to see if selling an equity fund in taxable would also work. Or a mix of equity fund and bond fund that would depend on any realized losses and realized gains to be had. I would not simply sell the bond fund without more careful analysis myself. But that...
by livesoft
Mon Aug 18, 2014 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: liquidity of bond fund in taxable
Replies: 4
Views: 454

Re: Selling 2 Individual Stocks in a VG Brokerage Roth IRA

All investments are practically ideal in a Roth IRA including TSM and TISM. Is there something that says otherwise particularly in the Bogleheads' Wiki because it should be corrected?

If I could put all my investments in a Roth IRA tomorrow, I would do so. :)
by livesoft
Mon Aug 18, 2014 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling 2 Individual Stocks in a VG Brokerage Roth IRA
Replies: 12
Views: 479

Re: Vanguard as Very Long Term Stock Broker?

The OP has mentioned 2 brokers (Scottrade and E*Trade) that I would not use because of the fees. The brokers I use, do not charge fees nor commissions for the things I want to buy. They are WellsTrade, TDAmeritrade, and Fidelity. I've used TDAmeritrade (nee TDWaterhouse) for more than 20 years witho...
by livesoft
Mon Aug 18, 2014 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard as Very Long Term Stock Broker?
Replies: 18
Views: 1398

Re: (New)Need Financial Jedi Master Assistance

nelson1015 wrote:So the fees in the 401k are of no concern?

Not to me. Once your 401(k) balance is high enough, simply borrow the max allowed from your 401(k) in order to save on those fees and invest the borrowed money in something similar but with low fees.
by livesoft
Mon Aug 18, 2014 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Boglehead - Looking for some advice
Replies: 12
Views: 696

Re: Europe travel: best card for ATM cash

wassabi wrote:Schwab is the only debit card I'm aware of that reimburses fees internationally.

Earlier in this discussion I made folks aware of the WellsFargo debit card that also reimburses fees internationally with an excellent exchange rate.
by livesoft
Mon Aug 18, 2014 8:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Europe travel: best card for ATM cash
Replies: 33
Views: 1807

Re: (New)Need Financial Jedi Master Assistance

Do not contribute to Roth 401(k). Contribute to traditional 401(k) instead. Contribute more than 10% of paycheck. Make sure you contribute $17,500 every year or whatever the maximum is. Increase your contribution rate now to make sure you put in $17,500 this year (you have $16,500 to go for rest of ...
by livesoft
Mon Aug 18, 2014 8:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Boglehead - Looking for some advice
Replies: 12
Views: 696

Re: Safety of Finance Apps

But I can see all my accounts aggregated together without giving out any passwords or account numbers or login credentials to anybody. I simply have to do a one-time entry of the tickers and number of shares along with an occasional update of number of shares. Since I rarely have any transactions, t...
by livesoft
Mon Aug 18, 2014 8:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safety of Finance Apps
Replies: 13
Views: 733

Re: So am I a terrible father?

Perhaps when she gets all that money she will immediately retire and drop into the 0% tax bracket?
by livesoft
Mon Aug 18, 2014 7:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: So am I a terrible father? [inheritance question]
Replies: 30
Views: 3713

Re: Closest index to VTSAX?

True, but that index is not one of the 3 indexes in the OP that one could choose from. :)
by livesoft
Mon Aug 18, 2014 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Closest index to VTSAX?
Replies: 15
Views: 585
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