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Re: Slice and Dicers -- Plans when you can't manage it anymo

…. Whenever I go into my spreadsheet to rebalance, I even have to take a few minutes to re-familiarize myself with it. …. There's the problem right there. My slice-and-dice portfolio is so simple that I would never use a spreadsheet for my portfolio. Perhaps that's the model of simplicity to hold u...
by livesoft
Tue Jul 22, 2014 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dicers -- Plans when you can't manage it anymore?
Replies: 32
Views: 1451

Re: small cap stocks overvalued

No, that is not a good idea. That is emotion talking, not a sane, sensible investor with a specific asset allocation. A better post might have been: My small cap allocation has reached its rebalancing upper band. I'm going to rebalance in my 401(k) back to within my range. Should I go to my nominal ...
by livesoft
Tue Jul 22, 2014 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: small cap stocks overvalued
Replies: 1
Views: 157

Re: How indexing let these retirees live footloose and fancy

^My understanding is that a company in that situation might just give everyone a big raise, drop health insurance, and ask employees to use the ACA exchanges. Of course, I don't know if your company has a so-called Cadillac plan or if they have been forced to use a HDHP/HSA plan. When my former empl...
by livesoft
Tue Jul 22, 2014 10:00 pm
 
Forum: Investing - Theory, News & General
Topic: How indexing let these retirees live footloose and fancyfree
Replies: 26
Views: 2693

Re: Slice and Dicers -- Plans when you can't manage it anymo

Hmmm, perhaps one should stress test their portfolio for this death thing: "Honey, suppose I die today, what would you do with the money and investments?"
by livesoft
Tue Jul 22, 2014 8:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dicers -- Plans when you can't manage it anymore?
Replies: 32
Views: 1451

Re: How indexing let these retirees live footloose and fancy

My former employer is like many businesses: They are self-insured for health care. That is, they negotiate with providers for a suitable plan, collect part of the premiums from employee paychecks, add the employer part, send it off to the insurance company which then takes their administrative cut a...
by livesoft
Tue Jul 22, 2014 8:11 pm
 
Forum: Investing - Theory, News & General
Topic: How indexing let these retirees live footloose and fancyfree
Replies: 26
Views: 2693

Re: Vanguard Account Owners - has this happened to you?

The IRS notification part won't happen until February 2015 or so. My spouse had an excess deferral to her 401(k) in 2012 corrected in 2013 that had an incorrect 1099-R show up in February 2014. After discussion with the plan provider a corrected 1099-R was issued in March, but it was still wrong. Mo...
by livesoft
Tue Jul 22, 2014 8:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Owners - has this happened to you?
Replies: 11
Views: 1074

Re: Slice and Dicers -- Plans when you can't manage it anymo

Speaking of not much work, I listed 4 funds in my taxable account in my first post in this thread. I have not added to these 4 funds since my initial investment in them 5 years ago. So much for tending the crop. The main reason for my lack of buy transactions is that my oldest started college, so al...
by livesoft
Tue Jul 22, 2014 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dicers -- Plans when you can't manage it anymore?
Replies: 32
Views: 1451

Re: Inheritance: Cash or Investments?

I suggest taking in cash for the following reasons: 1. You will not have any sentimental attachment to the cash, but you might with the investments. 2. Your asset allocation and use of investing products are not your grandmother's. 3. The executor will have to figure out cost basis since date of dea...
by livesoft
Tue Jul 22, 2014 7:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheritance: Cash or Investments?
Replies: 5
Views: 407

Re: Taxable Accounts - Am I thinking about this the right wa

Some of this kind of thing was discussed in the ZERO taxes in retirement thread: http://www.bogleheads.org/forum/viewtopic.php?t=87471 although not at quite this level. One thing that came out of that thread is that a couple who continued to work until age 70 had less money to spend in retirement th...
by livesoft
Tue Jul 22, 2014 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxable Accounts - Am I thinking about this the right way?
Replies: 13
Views: 858

Re: New investor with an unexpected windfall

Is your 401(k) contribution the max allowed? Or can you contribute $17,500? Even if your net paycheck goes to zero, you can live off some of the $400K. I didn't see a Roth IRA contribution. You can do that or a backdoor Roth IRA, too, for another $5500 I would think. The above two moves would help r...
by livesoft
Tue Jul 22, 2014 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: New investor with an unexpected windfall
Replies: 10
Views: 645

Re: New 10-Year TIPS Auction July 24 2014

Bill M wrote:Isn't that market timing? Am I missing something here??

It is a well-known, but perhaps dirty little, secret that most of the folks here are market timers. They write one thing, but practice something else altogether often enough. I won't name names in order to protect the guilty.
by livesoft
Tue Jul 22, 2014 5:36 pm
 
Forum: Investing - Theory, News & General
Topic: New 10-Year TIPS Auction July 24 2014
Replies: 14
Views: 1133

Re: Which tax advantage accounts do I use for 3-funds?

If you say so, but I am not trying to maximize gains; I am trying to minimize losses.
by livesoft
Tue Jul 22, 2014 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which tax advantage accounts do I use for 3-funds?
Replies: 19
Views: 862

Re: Which tax advantage accounts do I use for 3-funds?

Because I am like most Bogleheads, I hold fixed income to minimize risk.
by livesoft
Tue Jul 22, 2014 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which tax advantage accounts do I use for 3-funds?
Replies: 19
Views: 862

Re: Investment options for money beyond emergency fund.

I put that money in my overall portfolio's asset allocation. I would not buy CDs with it. So some mutual funds come to mind: Total US Stock Market index fund and Total Int'l Stock Market index fund.
by livesoft
Tue Jul 22, 2014 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment options for money beyond emergency fund.
Replies: 2
Views: 244

Re: Which tax advantage accounts do I use for 3-funds?

If that were true, why aren't all my accounts 100% equities?
by livesoft
Tue Jul 22, 2014 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which tax advantage accounts do I use for 3-funds?
Replies: 19
Views: 862

Re: Which tax advantage accounts do I use for 3-funds?

For those with 100% equities in Roths, what is the largest drop in the value of your Roth due to a drop in your equities? Were you 100% equities in 2007-2009? How was that?
by livesoft
Tue Jul 22, 2014 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which tax advantage accounts do I use for 3-funds?
Replies: 19
Views: 862

Re: Slice and Dicers -- Plans when you can't manage it anymo

I've talked to my daughter about this and my spouse. In my state, everything gets a stepped-up basis, so switching things around will cost nothing extra in taxes. My heirs can sell everything and start over. And I've told them that they can do so. For myself, I think I will slowly go to the simplifi...
by livesoft
Tue Jul 22, 2014 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dicers -- Plans when you can't manage it anymore?
Replies: 32
Views: 1451

Re: Which tax advantage accounts do I use for 3-funds?

Let me give a more specific example of something that I am considering at the moment. Note that I have not made the trades I am about to suggest, but I may make them. I received a severance package last week. I need to put the money in my portfolio and according to my asset allocation. The money is ...
by livesoft
Tue Jul 22, 2014 1:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which tax advantage accounts do I use for 3-funds?
Replies: 19
Views: 862

Re: Which tax advantage accounts do I use for 3-funds?

sunnyday wrote:Work as in determining if the outlook for equities is good or bad. What's your basis for that?

I have feelings. I have no scientific basis whatsoever for my feelings. Do you have any better suggestions on what I should use instead?
by livesoft
Tue Jul 22, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which tax advantage accounts do I use for 3-funds?
Replies: 19
Views: 862

Re: Which tax advantage accounts do I use for 3-funds?

Work? In this modern error of a click to make an exchange? It took more work to type out this response than it does to make a couple of exchanges once or twice a year. As for tracking, let me go look …. Roths are up 10.4% and 11.0% year-to-date. There was some RBD trading in them this year. So they ...
by livesoft
Tue Jul 22, 2014 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which tax advantage accounts do I use for 3-funds?
Replies: 19
Views: 862

Re: Buying in ok neighborhood vs good neighborhood

Here's a take on crime: If there is a retail center near your home, then there will be crime. I live within walking distance of a very convenient and upscale strip shopping center. It's got banks, doctor offices, drug store, orthodontist, vet, grocery store, restaurants, …, basically all the modern ...
by livesoft
Tue Jul 22, 2014 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying in ok neighborhood vs good neighborhood
Replies: 27
Views: 1455

Re: Do you split your VEU (into VEA+VWO) & VEA (into VGK+VPL

VXUS (total int'l) is approximately equal to 65.4% VEA, 15% VSS, 14% VWO plus 5.6% EWC the last time I made the calculation. I don't know what percentages of VEA, VWO and EWC would make up VEU. I own lots of VEU because it was invented before VXUS and VTIAX in its current rendition. I own lots of VS...
by livesoft
Tue Jul 22, 2014 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you split your VEU (into VEA+VWO) & VEA (into VGK+VPL)?
Replies: 8
Views: 450

Re: Which tax advantage accounts do I use for 3-funds?

I put equities and fixed income in both accounts. If I think the outlook for equities is poor, then I decrease equities in Roth and increase bonds in Roth. I make the reverse change in my 401(k). If I think the outlook for equities is good, then I increase equities in Roth and decrease bonds in Roth...
by livesoft
Tue Jul 22, 2014 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which tax advantage accounts do I use for 3-funds?
Replies: 19
Views: 862

Re: How to rebalance or exchange a Fidelity fund

Yes, it will automatically choose the oldest shares. You can try an exchange and cancel at the last point. The system will clearly tell you about short-term trading fees if there are any. Try it now and report back.
by livesoft
Tue Jul 22, 2014 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: How to rebalance or exchange a Fidelity fund
Replies: 1
Views: 198

Re: Beneficiaries

Thanks goodness I don't worry about my children or my spouse.

But do they worry about me?
by livesoft
Tue Jul 22, 2014 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries
Replies: 23
Views: 1192

Re: Buying in ok neighborhood vs good neighborhood

We bought our house with the idea that it could always be easily sold. That meant reduce the negatives more than increase the positives. We also could tell what things were going to look like in 20 years because the community's future plans were all laid out on a map. And now 20 years later those pl...
by livesoft
Tue Jul 22, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying in ok neighborhood vs good neighborhood
Replies: 27
Views: 1455

Re: Reduce / Eliminate Emerging Market in Retirement?

Indeed, why not? But one could also reduce volatility in other ways. For instance, why not go 100% fixed income?
by livesoft
Tue Jul 22, 2014 7:46 am
 
Forum: Investing - Theory, News & General
Topic: Reduce / Eliminate Emerging Market in Retirement?
Replies: 10
Views: 894

Re: Can it be wrong to be too risk averse?

It is possible to not take enough risk to meet one's goals. The lower one's goals, the less risk one would need to take. So yes, it can be wrong to be too risk averse. Some consequences might be: need to work longer, need to have higher salary, need to spend less in retirement, etc. Look at the work...
by livesoft
Tue Jul 22, 2014 7:39 am
 
Forum: Investing - Theory, News & General
Topic: Can it be wrong to be too risk averse?
Replies: 48
Views: 1986

Re: How indexing let these retirees live footloose and fancy

I lived in NY and never paid $30,000 a year for health insurance for a family. You know that businesses and families would be quickly moving from NY if that were the cost of health insurance there.
by livesoft
Tue Jul 22, 2014 7:21 am
 
Forum: Investing - Theory, News & General
Topic: How indexing let these retirees live footloose and fancyfree
Replies: 26
Views: 2693

Re: Bond funds- your percentage of intermediate vs. short-te

Hello, Are there any recommendations for the percentage of intermediate-term-bond funds vs short-term-bond funds? I'm sure there are plenty of recommendations. Here is an entire thread of recommendation: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=142228 which is basically use intermed...
by livesoft
Tue Jul 22, 2014 7:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond funds- your percentage of intermediate vs. short-term?
Replies: 12
Views: 1044

Re: How indexing let these retirees live footloose and fancy

The article states they are an American couple. They are not Canadian (the references to Canada result from this being a Canadian newspaper). They have done well as retirees; read their books. They do spend quite a bit on health care … apparently as noted more than 20% of their expenses are on healt...
by livesoft
Tue Jul 22, 2014 7:12 am
 
Forum: Investing - Theory, News & General
Topic: How indexing let these retirees live footloose and fancyfree
Replies: 26
Views: 2693

Re: How indexing let these retirees live footloose and fancy

The Kaderli's are well-known in early retirement circles with their book and articles and willingness to talk to journalists. I had this thought about them as I read for the nth time about them: Perhaps they are like the Warren Buffett of early retirement? Maybe they are the one in a billion couple ...
by livesoft
Tue Jul 22, 2014 7:05 am
 
Forum: Investing - Theory, News & General
Topic: How indexing let these retirees live footloose and fancyfree
Replies: 26
Views: 2693

Re: Does this qualify as a "child care expense" (1040 line 4

I think they qualify. What other child-care expenses do you have? Presumaby with both of you working fulltime (right?), you have other daycare costs, too? If you both are not working fulltime, then it gets very iffy. We always deducted the cost of summer day camps as child care expense since we were...
by livesoft
Mon Jul 21, 2014 10:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does this qualify as a "child care expense" (1040 line 48)
Replies: 1
Views: 319

Re: What Web Tools / Resources Would Help You Invest Better?

I have seen folks repeatedly ask for these: A tool to rebalance across all accounts at different vendors taking into account taxes, transaction costs, future taxes, and convenience. A tool to do tax-loss harvesting in taxable accounts taking into account all the stuff discussed now in Betterment's w...
by livesoft
Mon Jul 21, 2014 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: What Web Tools / Resources Would Help You Invest Better?
Replies: 3
Views: 467

Re: Does Fund Inception Date Matter?

No, in the cases of these funds, the inception date does not matter.
by livesoft
Mon Jul 21, 2014 10:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does Fund Inception Date Matter?
Replies: 3
Views: 394

Re: Beneficiaries

Spouse 100% Kids: secondary split equally. I would not make my siblings secondary beneficiaries. My parents are dead. If you are self-insured in that if you die, there would be no financial changes to the lives of your spouse and kids, then I don't think you need life insurance. We have never bought...
by livesoft
Mon Jul 21, 2014 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries
Replies: 23
Views: 1192

Re: How to track expenses to the penny?

1. Never use cash.
2. Use a different credit card for every category.
3. Online billpay for paying things that you cannot pay with credit card such as credit card bills and utilities.
by livesoft
Mon Jul 21, 2014 9:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to track expenses to the penny?
Replies: 33
Views: 1871

Re: Insurance policies questions

He didn't say these were life insurance policies. Suppose one of them is a variable annuity with a mortality expenses or whatever they are called held in an IRA? There are lots of possibilities.
by livesoft
Mon Jul 21, 2014 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance policies questions
Replies: 7
Views: 550

Re: Mid-term investment advice

My recommendation for taxable is always 100% equities. If they go down, then just extend your mid-term goals further into the future. If they go up, cash in and enjoy.
by livesoft
Mon Jul 21, 2014 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mid-term investment advice
Replies: 4
Views: 505

Re: Insurance policies questions

Insurance policies may be tax-free. That's the heck.
by livesoft
Mon Jul 21, 2014 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance policies questions
Replies: 7
Views: 550

Re: Former Employer Over Payment

If I owe the debt collector now how do I ever get a revised W2 out of GE? You start by asking them for a revised W2. Has that happened yet? Sorry I did not read the entire thread, so shoot me if this has already happened. As for debt collector, try the ol' certified letter with this is "Not my...
by livesoft
Mon Jul 21, 2014 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Former Employer Over Payment
Replies: 37
Views: 2212

Re: Helping my sister consolidate to Vanguard after 30 yrs

Oh, one more way to avoid cap gains taxes that I forgot to mention and I hope also will not apply:

One can die. Heirs get a stepped up basis on non-IRA-type accounts. Make sure she has beneficiaries specified on the accounts as needed.
by livesoft
Mon Jul 21, 2014 6:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping my sister consolidate to Vanguard after 30 yrs
Replies: 6
Views: 823

Re: Options/guidance for a lazy person to be fit

Every time you read this thread, you have to do 25 push-ups.

1, 2, 3, …, 23, 24, 25, keep going, …, 49, 50. Done.
by livesoft
Mon Jul 21, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 71
Views: 4446

Re: With all these recent posts regarding tilts, should I?

Switch your roth to extended market index and rest easy. No need at the present time for REITs and never a need for a health sector fund, what's up with that anyways?
by livesoft
Mon Jul 21, 2014 5:12 pm
 
Forum: Investing - Theory, News & General
Topic: With all these recent posts regarding tilts, should I?
Replies: 13
Views: 834

Re: Moving IRA from TD to Vanguard

I think you might have meant that for assets to count towards Flagship status, they have to be Vanguard products whether they are Vanguard mutual funds or Vanguard ETFs in a brokerage account. Perhaps individual bonds held in the brokerage account do not count since they are not Vanguard products.
by livesoft
Mon Jul 21, 2014 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 988

Re: Divesting Stock with Sentimental Value

riptide wrote: I will pass on at least a small amount of shares.

But that just perpetuates the problem. I'd let any sentimentality that I had die with me.
by livesoft
Mon Jul 21, 2014 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Divesting Stock with Sentimental Value
Replies: 39
Views: 1801

Re: TRP Small Cap Value (PRSVX)?

I researched this fund a few years ago. I don't think it really is a value fund. It seems to vary from value to blend to growth to blend to value as the managers see fit. Except for its high expense ratio, it is an OK fund. Take a look at the M* instant X-ray for this fun. It can't be a value fund w...
by livesoft
Mon Jul 21, 2014 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: TRP Small Cap Value (PRSVX)?
Replies: 3
Views: 402

Re: Is a "split-personality" approach Boglehead-compatible?

It took a while to read and digest. My condolences on loss of your partner. I will jump to the bottom line: Bottom line: You have so many assets relative to needs, wants, and possible sustained withdrawal rates that it really does not matter one bit what you do with them. There is no need to worry o...
by livesoft
Mon Jul 21, 2014 3:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a "split-personality" approach Boglehead-compatible?
Replies: 19
Views: 1449

Re: Is a "split-personality" approach Boglehead-compatible?

I just needed to post in this thread to help mark it for me as one of those "gender investing" threads. Thanks.
by livesoft
Mon Jul 21, 2014 2:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a "split-personality" approach Boglehead-compatible?
Replies: 19
Views: 1449
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