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Re: Speculation - Vanguard 3 Fund Portfolio Vs Wealthfront w

If your Vanguard IRA/401(k) was invested in a LifeStrategy or Target Retirement fund, then there would be no interference with Wealthfront. I think it is pretty trivial to arrange things so there would be no interference. As for TLHing, think about about the best case scenario: One TLH per year at t...
by livesoft
Mon Mar 30, 2015 10:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Speculation - Vanguard 3 Fund Portfolio Vs Wealthfront w/TLH
Replies: 9
Views: 266

Re: What would you do now if you were all cash?

My standard advice: Put half of cash to work now in your desired asset allocation (my AA is shown in this thread ) and the rest over the next 10 months at 5% per month except if the market has an RBD, then contribute a month's worth (5%) on that day, too which would be accelerating the 10-month DCA ...
by livesoft
Mon Mar 30, 2015 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: What would you do now if you were all cash?
Replies: 6
Views: 588

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

How many ways can I spell "No"? :)
by livesoft
Mon Mar 30, 2015 8:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 11508

Re: To TIP or not to TIP?

This is a tough one because you would be selling low. OTOH, you are basically asking us if you should cut your losses and just go with TBM. Tough decision. I don't own TIPS. Would I sell here? Probably.
by livesoft
Mon Mar 30, 2015 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: To TIP or not to TIP?
Replies: 3
Views: 267

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

There is only one more day in the quarter, so I guess you are almost ready for an update to your spreadsheets. I know I will see some dividends show up tomorrow morning and will have to do something with them. Presumably, you will look for opportunities on April 1st.
by livesoft
Mon Mar 30, 2015 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 11508

Re: Total International Vs. Small Cap Intl

1. Stop reading seekingalpha. 2. If you believe in the small-cap premium, then by all means overweight small-caps including small-cap foreign equities. I split my foreign about half total/large and half VSS (small/mid-caps). 3. I think best performance this year has been large-cap developed foreign ...
by livesoft
Mon Mar 30, 2015 7:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total International Vs. Small Cap Intl
Replies: 5
Views: 417

Re: Schwab Intelligent Portfolios [now live]

Rebalanced on 3/11 and 3/27, very nice! :) Was it done with new contributions? Was it done tax-efficiently or is that not applicable?
by livesoft
Mon Mar 30, 2015 6:25 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 280
Views: 21009

Re: Schwab / Vanguard Fund & Allocation Advice

I just wanted to comment on the Aronson and book asset allocations that you read about. There is really nothing wrong with them other than they are dated. Since they were published new products have been introduced and old products have changed. Notably, the Vanguard Total International Stock Index ...
by livesoft
Mon Mar 30, 2015 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Schwab / Vanguard Fund & Allocation Advice
Replies: 16
Views: 1653

Re: Did you learn anything from 2008?

I learned the importance of Mr. Bogle's experienced advice: Stay the Course. (Vanguard's S&P 500 Index Fund is up more than 300% since the bottom of the 2008-2009 market downturn.) Whenever I see it written that stocks are up more than 300%, I look at my own portfolio and ask myself, "Why ...
by livesoft
Mon Mar 30, 2015 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 38
Views: 1993

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

Based on rebalancing bands and following one's asset allocation: http://www.bogleheads.org/forum/viewtop ... 1&t=150267

You know, the whole "stay the course" thing.
by livesoft
Mon Mar 30, 2015 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 11508

Re: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Fu

So intermediate TIPS (i.e. government securities, no risk) really took it on the chin in mid-2013. And the GNMA fund did better than the Total US Bond index fund.
by livesoft
Mon Mar 30, 2015 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Funds
Replies: 16
Views: 2147

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

Maybe it is time to rebalance from equities to bond fund shares?
by livesoft
Mon Mar 30, 2015 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 11508

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

Check the local thrift stores in a week. Buy the suit for $5.
by livesoft
Mon Mar 30, 2015 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 7436

Re: Grieving Home Assessment on Long Island (Town of Brookha

It seems to me that your information about how you use your abode and how it is insulated has nothing to do with how it is assessed. I imagine it is assessed by its value which comes down to how much you can sell it for. Is the assessment in line with how much the land is worth, comparable recent sa...
by livesoft
Mon Mar 30, 2015 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Grieving Home Assessment on Long Island (Town of Brookhaven)
Replies: 5
Views: 581

Re: Riddle Me This

Jack Bogle no longer controls what Vanguard recommends. I would not think that when a founder is no longer in control that the firm would continue on with the founder's line of thinking. Also, Mr. Bogle is not infallible. And neither are the folks working for Vanguard. Kahneman's Thinking, Fast &...
by livesoft
Mon Mar 30, 2015 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: Riddle Me This [Vanguard's bond target so far from Bogle's]
Replies: 6
Views: 951

Re: Retiring June 2015 - Fed Rate Increase

My opinion is that one should have an asset allocation that they can stick with no matter what. No matter what. What is your asset allocation NOW? Is there anything wrong with it?
by livesoft
Mon Mar 30, 2015 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring June 2015 - Fed Rate Increase
Replies: 4
Views: 516

Re: Paying Taxes on Vanguard MISTAKEN Refund

Based on what you wrote, you would have received this money when you sold something in a taxable account. They withheld this amount rather than give it to you when you sold those shares previously. Then they gave you that amount. If those shares sold were held short-term, then the 1099-MISC will not...
by livesoft
Mon Mar 30, 2015 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Paying Taxes on Vanguard MISTAKEN Refund
Replies: 7
Views: 554

Re: Gardening 2015

Yesterday's tree thread made me go out and get the last oranges off the tree. Yummy!
Flowers suggest next year's crop should be good, too.

Image
by livesoft
Mon Mar 30, 2015 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Gardening 2015
Replies: 32
Views: 2337

Re: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Fu

Can you please add VIPSX (intermediate inflation-protected securities) to your 2013 chart? And GNMA if you like, too, please?
by livesoft
Mon Mar 30, 2015 7:54 am
 
Forum: Investing - Help with Personal Investments
Topic: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Funds
Replies: 16
Views: 2147

Re: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Fu

I used to own the Vanguard GNMA fund until about a week ago. In the past few months, it has been acting closer to my short-term bond fund than it has to my intermediate-term bond fund when it comes to daily price movements and performance. It does seem that the average duration of its portfolio has ...
by livesoft
Sun Mar 29, 2015 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: M*: No Vanguard Funds Among Its Top Seven Inter. Bond Funds
Replies: 16
Views: 2147

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

staythecourse wrote:This could easily end up being 40+ years of tax free growth. Hard to beat that anywhere else.

Assets that one holds in a taxable account currently get a stepped-up basis (i.e. tax-free growth) when one dies. I doubt I will live 40+ more years.
by livesoft
Sun Mar 29, 2015 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does a Fixed Income 529 Make Sense Even if Overfunded?
Replies: 20
Views: 972

Re: Possible portfolio?

I would not use this portfolio because it is not tax efficient and has lots of duplication.
by livesoft
Sun Mar 29, 2015 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Possible portfolio?
Replies: 4
Views: 442

Re: How to invest in retirement

Sorry, but you are spending your money needlessly on advisory services. You could simply put all your money in a Vanguard LifeStrategy Moderate Growth fund and not look at it any more. Set up automatic withdrawals and sleep easy at night.

And a big Welcome! to the forum.
by livesoft
Sun Mar 29, 2015 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest in retirement
Replies: 13
Views: 1272

Re: Tree in the Yard

3 feet in diameter is HUGE for an ash tree. Did you mean circumference? (There are ash trees more than 20 years old in my neighborhood that are not even close to that big.) It is generally not a good idea to add a lot of soil around the root crown . One can tell if a tree needs water by observing th...
by livesoft
Sun Mar 29, 2015 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Tree in the Yard
Replies: 9
Views: 1185

Re: Just completed my taxes... have some questions.

One pays Social Security and Medicare with Schedule SE. I'm surprised this did not come out straightforward from filling out your tax return if you indeed need to pay these taxes. As mentioned, what was on your past tax returns? Schedule C? Schedule E? Schedules A, B, D, F? Etc? If nothing has chang...
by livesoft
Sun Mar 29, 2015 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just completed my taxes... have some questions.
Replies: 14
Views: 1314

Re: How long do sofas really last

20 years so far. But I must say, many days no one sits on them or even lays down on them. One of the sofas is a hide-a-bed, too. Used for sleepovers when the kids were younger. Adult guests sleep on a real bed in one of the bedrooms. I don't think our sofas were expensive, but they were not Ikea eit...
by livesoft
Sun Mar 29, 2015 2:06 pm
 
Forum: Personal Consumer Issues
Topic: How long do sofas really last
Replies: 33
Views: 2559

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

I thought if you take 529 money for non education purpose, you can withdraw principle amount without penalty. Penalty is incurred only on the growth component which is taken out at the end. So for emergency you can always look for principle portion of 529s That is true, but unlike a Roth IRA, one c...
by livesoft
Sun Mar 29, 2015 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 8506

Re: Buying a house, not new, what to look for/wish you had

@Cash, your link is completely consistent with the "3 ways out of the neighborhood" point. Our area is filled with pocket parks, schools, and well-located fire stations. So one can have all those things with cul-de-sacs. I walked the dog this morning and we went to 6 different parks along ...
by livesoft
Sun Mar 29, 2015 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house, not new, what to look for/wish you had
Replies: 33
Views: 1827

Re: How do you invest to give back?

I agree with letsgobobby. If one wanted to accumulate in a separate joint taxable account instead of a DAF, then this is easy to do. One could even use a different broker or financial institution for this as there are many that offer no fee, no commissions for passively-managed low-expense ratio ind...
by livesoft
Sun Mar 29, 2015 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: How to invest to give back?
Replies: 30
Views: 1705

Re: Buying a house, not new, what to look for/wish you had

I meant drive out of neighborhood once one has driven out of cul-de-sac. The idea is also not to get easily trapped by a parade, a marathon, a triathlon, or accident at the one and only exit from a neighborhood.
by livesoft
Sun Mar 29, 2015 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house, not new, what to look for/wish you had
Replies: 33
Views: 1827

Re: My Strategy For A Market Crash

EyeYield wrote:That sounds like rebalancing. […]
If there are any comments on my strategy, I welcome them.

Of course it sounds like rebalancing because it is rebalancing. One doesn't need a different strategy for a market crash. One can use the same strategy that one has been using all along.
by livesoft
Sun Mar 29, 2015 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 21
Views: 3548

Re: Buying a house, not new, what to look for/wish you had

A 3000 sq ft home should have 2 HVAC units and 2 water heaters. Thus if one of two fails, then one has time to get it repaired while using the other one. That is, no rush and no costly weekend repair jobs. Redundancy gives one time to find the best value in repair/replacement. And we did the same th...
by livesoft
Sun Mar 29, 2015 11:55 am
 
Forum: Personal Consumer Issues
Topic: Buying a house, not new, what to look for/wish you had
Replies: 33
Views: 1827

Re: Buying a house, not new, what to look for/wish you had

A list from a previous thread …. http://www.bogleheads.org/forum/viewtopic.php?p=818024#p818024 When we started looking to buy, we went to library and checked out the books. It was pretty straightforward. I would not buy a book unless it was in the $1 rack at the used book store. And the idea of &q...
by livesoft
Sun Mar 29, 2015 11:50 am
 
Forum: Personal Consumer Issues
Topic: Buying a house, not new, what to look for/wish you had
Replies: 33
Views: 1827

Re: Overlap between VFSVX and VTIAX

prk wrote:So is I wanted to split between international large and small, I could use VFWAX and VFSVX?

The chart seems to suggest that the two do not overlap. Am I right about that?

Many thanks.

Yes, you are right that VFWAX (large-cap foreign) does not overlap with VFSVX (small-cap foreign).
by livesoft
Sun Mar 29, 2015 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Overlap between VFSVX and VTIAX
Replies: 4
Views: 467

Re: Increasing REIT holding in a ROTH

Owning a REIT fund is certainly not out-of-whack. It is impossible to say if owning a REIT fund now makes sense. As already shown earlier this month, REIT funds will take a dive if interest rates go up. The Vanguard REIT index fund lost money (even had an RBD) in early March. But since, from March 6...
by livesoft
Sun Mar 29, 2015 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Increasing REIT holding in a ROTH
Replies: 10
Views: 917

Re: In-kind transfer & back-end sales load

No, I do not think so … unless the transfer time is so long that the back-end load time is exceeded.
by livesoft
Sun Mar 29, 2015 11:29 am
 
Forum: Investing - Help with Personal Investments
Topic: In-kind transfer & back-end sales load
Replies: 4
Views: 361

Re: Hate where we live, do we make major changes?

I feel your pain. Just so happens I was just looking at this tasty menu of choices and thought you might find some food for thought. ( pun intended). I didn't quote the chart of cities, but many of them are related to shale-oil jobs which as we know are kind of evaporating. As for the OP, don't wai...
by livesoft
Sun Mar 29, 2015 11:19 am
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 80
Views: 5285

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

If Klangfool gets state income tax breaks for a 529 plan, then he should put some money in the 529 plan to get the tax break and immediately withdraw it to pay for college. That is, the money should be laundered through the 529 plan for the state income tax breaks while child is in college and Klang...
by livesoft
Sun Mar 29, 2015 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 8506

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: 1389

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: 9
Views: 784

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: 21
Views: 3548

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: 14
Views: 1512

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: 86
Views: 7436

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: 548

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: 718

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: 20
Views: 972

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: 9
Views: 784

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: 17
Views: 1527

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: 4
Views: 467

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: 13
Views: 1496
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