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by livesoft
Mon May 25, 2015 8:16 am
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 88
Views: 6465

Re: please confirm: early retirement

Just FYI, since many people have commented on health insurance...in my market, a silver plan on the ACA web site is right about $10K/year for our family of three. That is without any subsidy. Insurance is only one cost of healthcare. I am sure you have figured out your other healthcare costs of the...
by livesoft
Mon May 25, 2015 7:11 am
Forum: Forum Issues and Administration
Topic: Active Discussions
Replies: 2
Views: 200

Re: Active Discussions

Works for me. Login first, then click on "Quick links" near the upper left, then "Active topics". I get:
Image
by livesoft
Sun May 24, 2015 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation with large holding in single stock
Replies: 30
Views: 1549

Re: Allocation with large holding in single stock

^That comment suggests you haven't read the book. Also, don't blame me for the book title please. If the title had been "Win big with AAPL!", but had the same content, I would have still suggested reading the book.
by livesoft
Sun May 24, 2015 6:47 pm
Forum: Personal Consumer Issues
Topic: How to sell a large statue?
Replies: 19
Views: 1427

Re: How to sell a large statue?

An article at npr.org today related to the thread subject: http://www.npr.org/2015/05/24/408783203 ... d-sothebys
by livesoft
Sun May 24, 2015 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: I'm a mess, how to deploy our money?
Replies: 8
Views: 1694

Re: I'm a mess, how to deploy our money?

You are a mess, but first things first: Either follow the advice of your FA or tell them their services are no longer required.
by livesoft
Sun May 24, 2015 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Need 401K Advice - Best choices of mediocre options
Replies: 5
Views: 272

Re: Need 401K Advice - Best choices of mediocre options

Those index funds are great options and are not mediocre.
by livesoft
Sun May 24, 2015 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: A different way of calculating when to retire
Replies: 20
Views: 1776

Re: A different way of calculating when to retire

When one has enough, I don't think it comes down to 33X or the amount of money you have. Instead, it probably depends on how filled your BS bucket becomes.
by livesoft
Sun May 24, 2015 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation with large holding in single stock
Replies: 30
Views: 1549

Re: Allocation with large holding in single stock

They might enjoy reading "Why Smart People Make Big Money Mistakes" by Gilovich and Belsky. I believe the book starts with something that should grab their attention.
by livesoft
Sun May 24, 2015 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Early Retirement (@50)?
Replies: 7
Views: 1358

Re: Portfolio Review - Early Retirement (@50)?

Here is another current thread with a couple retiring at age 50 that you should wish to read: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=166296 What do you think of the comments in that thread? Your portfolio is well within what might be considered normal or unremarkable for the forum. ...
by livesoft
Sun May 24, 2015 8:23 am
Forum: Personal Consumer Issues
Topic: How to sell a large statue?
Replies: 19
Views: 1427

Re: How to sell a large statue?

It sounds like something that a fraternity would want to buy to use for pranks.
by livesoft
Sun May 24, 2015 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Real cost of a Masters (in the US)
Replies: 35
Views: 2242

Re: Real cost of a Masters (in the US)

Herekittykitty wrote:(By the way - I love all my kids, one of whom we did indeed drop off at a military recruiter's, and he did enlist.)

As an aside, I heard about a kid being dropped off at military recruiters, but he made very sure he would fail the drug test and thus stymied the actions of the parents.
by livesoft
Sun May 24, 2015 6:43 am
Forum: Investing - Help with Personal Investments
Topic: Taxable account; should I use ETFs?
Replies: 1
Views: 244

Re: Taxable account; should I use ETFs?

Since you already use your taxable account to invest ("My taxable account, at the moment, is fully invested in the US Stock Index at VG."), then I do not see why you would want to use ETFs instead of what you already have. Or was your question something different? You can certainly try an ...
by livesoft
Sun May 24, 2015 6:35 am
Forum: Investing - Theory, News & General
Topic: Has anyone traded primarily (or exclusively) based on stochastic and MACD data? How did it go?
Replies: 9
Views: 621

Re: Has anyone traded primarily (or exclusively) based on stochastic and MACD data? How did it go?

^Actually, if a system works for you after you do your research, then you should not publish it, but quietly use it to become a multimillionaire and beyond. You are still allowed to give hints on the Bogleheads forum about it, but not really explain it in full.
by livesoft
Sat May 23, 2015 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Real cost of a Masters (in the US)
Replies: 35
Views: 2242

Re: Real cost of a Masters (in the US)

For example, if kid got his undergraduate degree in Biology, and wants to get a Master's in Biochemistry with plans to work in the Pharmaceutical or healthcare industry, I'd say he has a pretty decent plan. This is rather uncanny, but you hit it almost right on the nose. My elder son isn't sure yet...
by livesoft
Sat May 23, 2015 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 88
Views: 6465

Re: please confirm: early retirement

Except for spouse's FICA and medicare while she is working, the family probably won't pay any federal taxes.

See this thread: viewtopic.php?t=87471
by livesoft
Sat May 23, 2015 10:32 pm
Forum: Investing - Theory, News & General
Topic: Are Bond ETFs a bad idea?
Replies: 28
Views: 1660

Re: Are Bond ETFs a bad idea?

I think the problem with a bond ETF is that at the moment that you might want want to rebalance from the bond ETF into an equity ETF, the bond ETF may be selling at a relatively large discount to the NAV. Sure, it will recover by the next day, but one may miss a great rebalancing opportunity. For in...
by livesoft
Sat May 23, 2015 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 88
Views: 6465

Re: please confirm: early retirement

But retired folks also have perks. I got a chuckle out of your retiree perks because they are so wrong for my situation as a retiree and as a former worker. I don't drink coffee even though my employer provided free coffee all day. I wore bluejeans to work most of the time and use a drycleaner for ...
by livesoft
Sat May 23, 2015 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Move DRIP holdings to Vanguard brokerage?
Replies: 6
Views: 516

Re: Move DRIP holdings to Vanguard brokerage?

It seems appropriate to mention that DRIPs at Computershare are an anachronism. Years (decades?) ago they served their purpose when stock commissions were $100 to $500 and index funds were not available, but nowadays with free commissions offered by many brokers along with index ETFs, there is reall...
by livesoft
Sat May 23, 2015 3:36 pm
Forum: Personal Consumer Issues
Topic: Quality medicines
Replies: 7
Views: 629

Re: Quality medicines

Even Walmart sells several different 1% clotrimazole ointments of widely varying prices. For instance from less than 60 cents an ounce to $18 an ounce. Can someone tell me if the quality differs because of price?
by livesoft
Sat May 23, 2015 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: SEP or Solo 401k
Replies: 7
Views: 362

Re: SEP or Solo 401k

Doesn't a SEP-IRA intefere with backdoor Roth IRA? I am choosing to open a solo 401(k) mostly for that reason. I will have traditional and Roth options in the solo 401(k), too.
by livesoft
Sat May 23, 2015 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 88
Views: 6465

Re: please confirm: early retirement

But employed folks usually have other perks that early retirees do not have. For one, employer-sponsored healthcare is one such perk. Another perk is that they are stuck at a job where they cannot be out spending money.
by livesoft
Sat May 23, 2015 2:21 pm
Forum: Investing - Theory, News & General
Topic: Advice from John Bogle and Warren Buffett
Replies: 35
Views: 2368

Re: advice from John Bogle and Warren Buffett

I applaud selftalk for spelling Mr Buffett's name correctly.
by livesoft
Sat May 23, 2015 2:15 pm
Forum: Investing - Theory, News & General
Topic: Different funds
Replies: 10
Views: 655

Re: Different funds

How would you do rebalancing if you had funds from different vendors? (I know what I would do since I use several brokers, but what would you do?)
by livesoft
Sat May 23, 2015 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to Employer without 401K
Replies: 4
Views: 355

Re: Moving to Employer without 401K

I must insist that you use the Backdoor Roth IRA thing. That means keep your current 401(k) and do not rollover to an IRA.

Anything leftover that you want to save for retirement, please invest tax-efficiently in a taxable account.
by livesoft
Sat May 23, 2015 1:37 pm
Forum: Investing - Theory, News & General
Topic: Advice from John Bogle and Warren Buffett
Replies: 35
Views: 2368

Re: advice from John Bogle and Warren Buffett

I hear and understand what you are saying. So in essence are you trying to beat the market? They recommend to us to be diversified by buying these funds. It does cover the world. I am trying to beat my benchmarks: VSMGX and DGSIX each and every year by portfolio management and asset allocation. I o...
by livesoft
Sat May 23, 2015 1:28 pm
Forum: Investing - Theory, News & General
Topic: Advice from John Bogle and Warren Buffett
Replies: 35
Views: 2368

Re: advice from John Bogle and Warren Buffett

I don't follow their advice because I am not a billionaire. My asset allocation is not their asset allocation. My age is not their age. My cost of living is not their cost of living.

Don't you want to be diversified when it comes to following respectable old people?
by livesoft
Sat May 23, 2015 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 88
Views: 6465

Re: please confirm: early retirement

I agree that travelling costs money, but that does not mean it is out. I was more commenting on the idea that if spouse and kid are tied to job and school that one can still travel without them.
by livesoft
Sat May 23, 2015 11:55 am
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 88
Views: 6465

Re: please confirm: early retirement

btenny wrote:You cannot take off and travel without leaving them home and this costs more. So that is out.

The above is simply not a true statement. I used to travel for work without my spouse and kids. I still travel for fun without my spouse and kids. If you want a free lunch, I might be able to oblige.
by livesoft
Sat May 23, 2015 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing bands in taxable accounts
Replies: 8
Views: 416

Re: Rebalancing bands in taxable accounts

I have sold in taxable, but always chose the lots with least gains and then had those gains offset because of previous tax-loss harvesting. Also, dividends in taxable are about 2.5% a year, so that knocks back outperformers and allows one to buy underperformers. So I must admit that I am surprised t...
by livesoft
Sat May 23, 2015 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Move DRIP holdings to Vanguard brokerage?
Replies: 6
Views: 516

Re: Move DRIP holdings to Vanguard brokerage?

Most of the posts we see about DRIP at Computershare are how to figure out the cost basis when selling their shares held in a taxable account. Apparently, most folks never kept track of the cost basis. The aggravation and annoyance of figuring out that number means they leave it to their heirs to fi...
by livesoft
Sat May 23, 2015 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Real cost of a Masters (in the US)
Replies: 35
Views: 2242

Re: Real cost of a Masters (in the US)

As noted by others, costs, value, and pedigree depend on the area of interest and the university. My oldest spent just one year getting a Master of Science in an Engineering field. There was a big tuition break from being a TA. Since she graduated early with B.S. degree, the M.S. was not such a big ...
by livesoft
Sat May 23, 2015 7:35 am
Forum: Investing - Theory, News & General
Topic: Why not overweight international?
Replies: 37
Views: 3110

Re: Why not overweight international?

If one overweights something, that means the overweight comes at the cost of underweighting something else.

So ask the question a different way:

Why not underweight domestic?
by livesoft
Sat May 23, 2015 6:38 am
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard automatically convert to Admiral class shares?
Replies: 22
Views: 2106

Re: Will Vanguard automatically convert to Admiral class shares?

Yes, Vanguard will automatically convert, but you can also convert online if you look. Vanguard will even convert if you go over the minimum and then go under the minimum. For instance, my spouse has a small inherited IRA with one fund that barely went over $10,000. Since it was going up and down da...
by livesoft
Fri May 22, 2015 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 88
Views: 6465

Re: please confirm: early retirement

All the discussions about the budget are sort of useless. Either the OP's family is happy living on 50k or they aren't. That's absolutely true. So either the OP's is looking for a pat on the back or they are asking if their budget makes sense. As for the budget, we see on the forum all kinds of ext...
by livesoft
Fri May 22, 2015 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 88
Views: 6465

Re: please confirm: early retirement

If one wishes to get lots of confirmation bias for early retirement, then please visit the Early Retirement Forum where folks pride themselves on living inexpensively off of modest portfolios: http://www.early-retirement.org/forums/f28/ If you ask folks there this question, I bet that the most frequ...
by livesoft
Fri May 22, 2015 8:08 pm
Forum: Investing - Theory, News & General
Topic: Quick question about tax harvesting
Replies: 9
Views: 482

Re: Quick question about tax harvesting

Question to those who TLH: when you sell doesn't it throw off your AA? Isn't it the case that you can't buy back in for 30 days, or else you'd have a wash sale? Do you just leave the AA out of balance for a month? I TLH as needed. When I do, it might throw off my asset allocation by 0.1% or some ot...
by livesoft
Fri May 22, 2015 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: At what point does 529 make sense
Replies: 12
Views: 1593

Re: At what point does 529 make sense

Will your income be above the level where you start losing education credits? Will you be able to cash-flow college anyways? We found that 529 plans were not a slam dunk, but maybe the fall in value during 2008 had something to do with that. Here is thread with some more discussion: https://www.bogl...
by livesoft
Fri May 22, 2015 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Short term investment vehicle to save for a house?
Replies: 6
Views: 712

Re: Short term investment vehicle to save for a house?

A short-term bond fund is fine, but it ain't gonna do you much good in one or two years. Here is why: 1. If you are adding to it periodically, you will not gain much over 2 years of investing. 2. The range of possible investment returns is probably between -2% and +4% over 2 years. So on a $100,000 ...
by livesoft
Fri May 22, 2015 6:30 pm
Forum: Investing - Theory, News & General
Topic: Any Good Investing Publications or Newsletters?
Replies: 13
Views: 1302

Re: Any Good Investing Publications or Newsletters?

The Bogleheads wiki has this list: http://www.bogleheads.org/wiki/Financial_websites_and_blogs I use the NYTimes and Kaye Thomas' fairmark.com site to keep up with changes to tax laws. Apparently some tax CPAs don't bother to keep up with changes in tax laws. Vanguard itself has plenty of publicatio...
by livesoft
Fri May 22, 2015 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Follow "Passion" or Follow the Money?
Replies: 73
Views: 4073

Re: Career Advice: Follow "Passion" or Follow the Money?

I still haven't figured out what management consultants do except drive BMWs and mistake dogs for calves. What do they do? Work that the normal employees can't or won't do? Maybe folks can pluck 5 or 6 headlines that management consultants were involved with and explain what they did. For instance, ...
by livesoft
Fri May 22, 2015 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401K Help
Replies: 11
Views: 625

Re: Fidelity 401K Help

Folks would say stick with low-expense-ratio, passively-managed index funds. That eliminates almost all the funds in the 401(k) and make the choices easy. It is remarkable that you have avoided index funds in that account at Vanguard. How did that happen? It must have been a very conscious decision ...
by livesoft
Fri May 22, 2015 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 88
Views: 6465

Re: please confirm: early retirement

The SWR (sustained withdrawal rate) from a portfolio is based on its total return, so dividends are already counted. For instance, a $1 million portfolio with a 3.5% SWR would have $35,000 a year withdrawal, but a $1 million portfolio would pay out about $30,000 in dividends every year, so of that $...
by livesoft
Fri May 22, 2015 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 88
Views: 6465

Re: please confirm: early retirement

We live pretty cheaply and could not live on $35K - $40K a year. Just property taxes, homeowners, vehicle, and health insurance takes a big chunk. Glasses and contacts are not free and neither are teeth cleanings. Will that 15-year-old ever get a drivers license and go on your car insurance? Will yo...
by livesoft
Fri May 22, 2015 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Dilemma on assert allocation: risk tolerance vs tax efficiency
Replies: 9
Views: 571

Re: Dilemma on assert allocation: risk tolerance vs tax efficiency

Put high risk tax efficient investments in taxable. Put the same and everything else in tax-advantaged accounts.
by livesoft
Fri May 22, 2015 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Check your HSA Bank Statement!
Replies: 20
Views: 3387

Re: Check your HSA Bank Statement!

The CEO of Webster Bank (parent of HSA) is easily found online: https://public.websteronline.com/people/james-c-smith click on Contact us, too.

In the end, I didn't do anything because my $3 was put back in before the next statement was available.
by livesoft
Fri May 22, 2015 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Challenges Opening a Vanguard Account
Replies: 9
Views: 586

Re: Challenges Opening a Vanguard Account

I recently opened my first IRA at Vanguard. I have been a customer continuously for more than 33 years. I still had to mail in some things just like I had to do when I first became a Vanguard customer. It was a challenge because I had to find out what postage costs nowadays, but I was still able to ...
by livesoft
Fri May 22, 2015 12:11 pm
Forum: Personal Consumer Issues
Topic: Printing/MacAir
Replies: 3
Views: 413

Re: Printing/MacAir

There are many ways to circumvent this. 1. Save the e-mail message to a separate file, then open that file and print it. 2. Use the Grab program to grab and save a selected portion of the your screen, then open that saved file and print it. 3. Use a different e-mail program and/or browser and try to...
by livesoft
Fri May 22, 2015 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Am I crazy to have this asset allocation?
Replies: 21
Views: 2938

Re: Am I crazy to have this asset allocation?

I think you can decide for yourself if you are crazy in a few years.
by livesoft
Fri May 22, 2015 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Are ETFs better for tax gain harvesting?
Replies: 6
Views: 549

Re: Are ETFs better for tax gain harvesting?

One can also use both: Sell the mutual fund shares and buy the ETF shares. Or sell the ETF shares and buy the mutual fund shares.

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