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Re: Vanguard Quarterly Dividends in September

I agree that one doesn't need to check repeatedly at all. However, some folks might need their dividends to make child-support payments, pay their mortgage, pay their bookie, pay off their pay-day loan, etc.
by livesoft
Tue Sep 23, 2014 8:15 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Quarterly Dividends in September
Replies: 15
Views: 1564

Re: Consolidating investments - please advise

Portfolio seems very good to me given your requirements as long as you live in California. For more bond diversification, one could own a Treasury bond because the dividends are state-income tax-free. Or one could own a national tax-exempt muni bond fund which would be federal income-tax free, but n...
by livesoft
Tue Sep 23, 2014 8:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Consolidating investments - please advise
Replies: 2
Views: 165

Re: Vanguard Quarterly Dividends in September

So for VNQ the distribution is payable on 9/30/2014 as expected since that's the end of the quarter.
by livesoft
Tue Sep 23, 2014 8:07 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Quarterly Dividends in September
Replies: 15
Views: 1564

Re: Once Again 529 or Roth IRA

Welcome to the forum. Of course you should invest in Roth IRAs over 529 plan. I don't think the question even needs to be asked in your situation. If you have to do a back door Roth because of income, then you have enough income to simply pay for college from cash flow anyways. And if you don't thin...
by livesoft
Tue Sep 23, 2014 7:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Once Again 529 or Roth IRA
Replies: 1
Views: 103

Re: About to Retire, Need Help!

That is not a spurious example. Lots of folks do exactly that. See, for example, this thread:
viewtopic.php?t=87471
by livesoft
Mon Sep 22, 2014 11:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: About to Retire, Need Help!
Replies: 24
Views: 2320

Re: Emergency fund question. please help

Why not use a short-term corporate bond index fund? If you believe that such a fund might drop 5%, then just make your emergency fund 5% larger to start with. Thus if your emergency fund in a savings account would be $40K, then make it $42K if you use a short-term corporate bond index fund. Here's a...
by livesoft
Mon Sep 22, 2014 11:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emergency fund question. please help
Replies: 5
Views: 462

Re: Dilemma: manual buy & lower cost vs auto plan & higher c

If ETF A and B track the same index AND then you sell ETF A and immediately buy ETF B, I don't see how you would sell low and buy high (or sell high and buy low) or whatever. Are you saying that ETF A and B are not held at the same custodian, so you would have to sell ETF A, wait for settlement and ...
by livesoft
Mon Sep 22, 2014 9:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dilemma: manual buy & lower cost vs auto plan & higher cost
Replies: 6
Views: 226

Re: Inherited IRA RMD

by livesoft
Mon Sep 22, 2014 9:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA RMD
Replies: 4
Views: 263

Re: Vanguard Quarterly Dividends in September

Here is a thread on the timeliness of dividends appearing in one's account:
viewtopic.php?f=1&t=87742

It depends on one's broker and Vanguard is the slowest.
by livesoft
Mon Sep 22, 2014 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Quarterly Dividends in September
Replies: 15
Views: 1564

Re: Barron's article: Don't Panic! (retirement news & theory

I like the idea of placing 10 years of expenses in bond funds to avoid selling equities in a big downturn and indeed to buy equities in a big downturn. I don't see a need for cash in a big downturn.
by livesoft
Mon Sep 22, 2014 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's article: Don't Panic! (retirement news & theory)
Replies: 26
Views: 3136

tterRe: My 30-day trial experience with Betterment

Thanks for the update. I was also looking at EM today. I don't have any shares of VWO nowadays (sold as noted in this post), but I intend to buy some when VWO has a RBD. I predict that Betterment will have you TLH IEMG soon enough. :)
by livesoft
Mon Sep 22, 2014 7:31 pm
 
Forum: Investing - Theory, News & General
Topic: My 30-day trial experience with Betterment
Replies: 13
Views: 1731

Re: Advice for student buying cheap used car

This is a reason to plan ahead. Buy your college student a car 10 to 15 years ago when they are 3 to 8 years old. Then you drive it until you sell/give it to them.

So fair warning to folks with kids around 3 to 8 years old and in the market to buy a car.
by livesoft
Mon Sep 22, 2014 7:15 pm
 
Forum: Personal Consumer Issues
Topic: Advice for student buying cheap used car
Replies: 19
Views: 875

Re: VTSMX and VBMFX - hold what in which account type?

VTSMX is suitable in any kind of account: taxable, Roth IRA, traditional IRA, 403(b), 401(k), SEP-IRA, 529 plan, etc. VTSMX is essentially 100% stocks. US stocks. With respect to a taxable account, VTSMX pays out dividends and those dividends are mostly "qualified dividends" which receive ...
by livesoft
Mon Sep 22, 2014 7:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTSMX and VBMFX - hold what in which account type?
Replies: 11
Views: 549

Re: Blocking Your Own Name & Home Phone Number?

Why don't you simply try to block your phone number and let us know what happens?
by livesoft
Mon Sep 22, 2014 6:35 pm
 
Forum: Personal Consumer Issues
Topic: Blocking Your Own Name & Home Phone Number?
Replies: 10
Views: 772

Re: HSA payroll deductions not being applied to my HSA

Often, "payroll" is a single person or a single point of failure. At my former company, a different person did the HSA contributions and the "payroll" person did the paycheck software that made sure one's HSA contributions were removed from one's paycheck. The OP did not mention ...
by livesoft
Mon Sep 22, 2014 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA payroll deductions not being applied to my HSA
Replies: 7
Views: 543

Re: Student Loan vs 401k dilemma

I didn't ask about the match because she should be contributing the max to the 401(k) regardless of whether there is a match or not. :)

I suspect VeraBradley did not get the answer she wanted, too.
by livesoft
Mon Sep 22, 2014 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Student Loan vs 401k dilemma
Replies: 21
Views: 1408

Re: Advice for student buying cheap used car

Find a relative with an old reliable beater that they are ready to give up. I think there are only beaters in the $2K price range.
by livesoft
Mon Sep 22, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Advice for student buying cheap used car
Replies: 19
Views: 875

Re: Location of stocks in retirement: Roth vs. TIRA?

A mix is best with weighting as to your best guess of what the future holds. I have discussed this in several threads. Here is one of them:
viewtopic.php?p=2129672#p2129672
by livesoft
Mon Sep 22, 2014 11:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Location of stocks in retirement: Roth vs. TIRA?
Replies: 3
Views: 287

Re: rebalancing at age 55

If you put all your investments into the morningstar instant X-ray tool, what is the output? What's the 9-box style grid? What are the percentages of US, foreign, fixed income, cash?

Then how do those results compare to an X-ray of the Vanguard LifeStrategy Moderate Growth fund by itself?
by livesoft
Mon Sep 22, 2014 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: rebalancing at age 55
Replies: 7
Views: 691

Re: Pre-Retirement Tax reduction strategy

I think you have to get out your TurboTax and run some pro forma tax returns, say every 5 years (assume intervening years are similar), and see what happens. Put the results in a spread sheet and gloat over it. :) $15K of itemized deductions is not much over the standard deduction. Can you bunch ded...
by livesoft
Sun Sep 21, 2014 9:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pre-Retirement Tax reduction strategy
Replies: 3
Views: 589

Re: Investments for beginners.

What are you investing for? The investments that you may want to choose will depend on what you are investing for.
by livesoft
Sun Sep 21, 2014 9:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investments for beginners.
Replies: 6
Views: 541

Re: 401k Question, After Leaving Employer

Perhaps you can clarify your income range and that your contributions to your traditional IRA are deductible. And also what you expect your income to be in 5 years. I make slightly over 100k, I got confused and actually don't have a roth IRA just the 401k contributions from my previous employer (ar...
by livesoft
Sun Sep 21, 2014 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Question, After Leaving Employer
Replies: 7
Views: 454

Re: Wells Fargo "Wells-Trade" Brokerage Questions

The WF registered rep is probably the in-house advisor that charges an arm-and-a-leg. They probably don't even know that the do-it-yourself WellsTrade thing with free trades exists. You would be better off calling up the toll free number I would think. Our accounts have never been inactive, so I can...
by livesoft
Sun Sep 21, 2014 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wells Fargo "Wells-Trade" Brokerage Questions
Replies: 16
Views: 1169

Re: Student Loan vs 401k dilemma

Think of it this way: If the emergency fund money is not earning more than the loan interest, what does that tell one?
by livesoft
Sun Sep 21, 2014 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Student Loan vs 401k dilemma
Replies: 21
Views: 1408

Re: 401k Question, After Leaving Employer

Some folks are not allowed to contribute to a deductible traditional IRA because of income limits and participating in a 401(k). For some of those folks, they can contribute to a Roth IRA, but others are not allowed to even contribute to a Roth IRA. For those latter folks, they can still contribute ...
by livesoft
Sun Sep 21, 2014 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Question, After Leaving Employer
Replies: 7
Views: 454

Re: Recently retired and need help with asset allocation.

No, these are not what I own now, but rather what I was proposing ending up with. I have read several books, and do question whether my proposal of numerous funds really adds anything to simpler 3, 4 or 5 fund proposals. Clearly, rebalancing will be more complex, but if the net result is a higher r...
by livesoft
Sun Sep 21, 2014 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recently retired and need help with asset allocation.
Replies: 12
Views: 904

Re: Recently retired and need help with asset allocation.

I don't quite understand the original post. Are all those funds something you own now? Or are they what you want to own when you are done moving things around? Rather than betterment and futureadvisor, I would suggest that you read some books at asset allocation. I think that's the best advice for a...
by livesoft
Sun Sep 21, 2014 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recently retired and need help with asset allocation.
Replies: 12
Views: 904

Re: financial institution lowest exchange fees (GBP/USD)?

No recommendation, but I've seen oanda.com mentioned.
by livesoft
Sun Sep 21, 2014 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: financial institution lowest exchange fees (GBP/USD)?
Replies: 6
Views: 392

Re: Break-even point for HSA account

There are even more savings because your contribution of $5050 is probably free of some other taxes: medicare, ACA subsidy, and something else. (Not FICA since you hit the limit anyways). Don't forget that the HDHP covers a bunch of in-network preventive care anyways with no deductible. One just nee...
by livesoft
Sun Sep 21, 2014 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Break-even point for HSA account
Replies: 8
Views: 804

Re: New Investor begging for input

I agree with letsgobobby.
by livesoft
Sun Sep 21, 2014 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor begging for input
Replies: 34
Views: 1324

Re: Advisor switching companies, self management a possibili

A bank is not a good place to invest, it is very expensive. It may not be the bank because we know that some "banks" are very suitable and free places to invest. Those banks are Bank of America with the Merrill Edge package and Wells Fargo with the PMA/WellsTrade package. Unfortunately, b...
by livesoft
Sun Sep 21, 2014 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advisor switching companies, self management a possibility
Replies: 12
Views: 751

Re: New Investor begging for input

Should I utilize the fidelity 401K for max return(thus go for 100% Sp500) or go for 100% safety in 401K and go with bonds? You should read some books and make your own decisions. I suppose books are not available in the operating room and I would not want my surgeon reading a book on how to do a pr...
by livesoft
Sun Sep 21, 2014 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor begging for input
Replies: 34
Views: 1324

Re: Trusting our advisor?

Thanks for the link to the PDF. I was completely wrong about what a supranational is. But PDF says US is 26% plus another 3% of US agency (i.e. FNMA, et al.) obligations plus 10% Canada :).
by livesoft
Sun Sep 21, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trusting our advisor?
Replies: 25
Views: 1829

Barron's article: Don't Panic! (retirement news & theory)

A nice article that covers almost all the bases on retirement planning, withdrawal, statistics, account types, SWR, order of withdrawal, taxes, conversions, etc.

http://online.barrons.com/articles/SB52 ... 3204675582

Also great for newbies to read to get them up to speed.
by livesoft
Sun Sep 21, 2014 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's article: Don't Panic! (retirement news & theory)
Replies: 26
Views: 3136

Re: New Investor begging for input

The Roth IRA will have an added complication because you will need to do a so-called Back door Roth. Google it.

Use only these funds in your 401(k): FSITX, FSEVX, FSIVX, FXSIX.
by livesoft
Sun Sep 21, 2014 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor begging for input
Replies: 34
Views: 1324

Re: Basketball systems: In Ground or Portable?

We've got a portable one filled with water and it has been there almost 15 years, except for when hurricanes have come through and we lay it down. Every site location is different. Our neighbors had a permanent goal that worked for them. For us, portable made much more sense given our driveway, bree...
by livesoft
Sun Sep 21, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Basketball systems: In Ground or Portable?
Replies: 16
Views: 859

Re: inherited 500k, still a college student, how to invest??

Are you an "internet-only" kind of person or would you be amenable to reading some books on how to invest?
by livesoft
Sun Sep 21, 2014 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: inherited 500k, still a college student, how to invest???
Replies: 43
Views: 2825

Re: Advisor switching companies, self management a possibili

This is SOP when a salesrep moves to another company. They wish to take all their "clients" with them. Unfortunately, there seems to be some sentimental attachment which should be dispensed with as well. Her decision should be to go with a DIY approach and probably at Vanguard. There shoul...
by livesoft
Sun Sep 21, 2014 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Advisor switching companies, self management a possibility
Replies: 12
Views: 751

Re: Trusting our advisor?

OK, so I am not a Diehard. Big Deal.
by livesoft
Sun Sep 21, 2014 11:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Trusting our advisor?
Replies: 25
Views: 1829

Re: New Investor begging for input

Welcome to the forum. I would suggest that you do not get all your investing information from the internet. I suggest that you READ some books since they are less ephemeral and someone took the time to put down on a piece of paper and a publisher also felt it was worthy. You probably know about whit...
by livesoft
Sun Sep 21, 2014 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: New Investor begging for input
Replies: 34
Views: 1324

Re: In a Serious Situation Need Financial Advice

Your saved up money is not going to save you because it will run out soon at the rate you are going. You and your spouse will need to get more jobs or a higher paying jobs. You will also have to cut expenses. I would work on those two things a lot before the rest of your money runs out. There are qu...
by livesoft
Sun Sep 21, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: In a Serious Situation Need Financial Advice
Replies: 30
Views: 3725

Re: Trusting our advisor?

How did you arrive at your 50% ? Most of the books that I have read have recommended half US / half international for a so-called slice-and-dice portfolio. That includes books by Bill Bernstein Larry Swedroe Paul Merriman Frank Armstrong and so on. Rick Ferri has also recommended a high fraction to...
by livesoft
Sun Sep 21, 2014 10:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Trusting our advisor?
Replies: 25
Views: 1829

Re: Trusting our advisor?

Pattyk's portfolio sounds perfect to me, but probably because it resembles my own asset allocation. I am about the same age and retired. I have no issues with half of my portfolio being in foreign investments. I don't think 65/35 is aggressive at all for any age of investor. From http://www.altruist...
by livesoft
Sat Sep 20, 2014 10:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trusting our advisor?
Replies: 25
Views: 1829

Re: I Tunes updates

3 years ago, one could not have even used an ipad without somehow connecting it to itunes at first through a computer.
by livesoft
Sat Sep 20, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: I Tunes updates
Replies: 5
Views: 551

Re: Do I Really Need a Million Bucks?

Let's not discourage people from making goals that are realistic. Folks should just get over it. There will always be people who make more money than me, can dunk a basketball, ride a bike faster, drive a more expensive car, run a marathon, make better investing decisions, pay more for daycare than...
by livesoft
Sat Sep 20, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Do I Really Need a Million Bucks?
Replies: 50
Views: 3459

Re: Regular vs Roth 401k?

I think a traditional 401(k) is what she should do. And the taxes she saves from the deduction, she should invest in a Roth IRA.

But if her 401(k) has only 5.75% front-end load funds and huge expense ratios, I might change my mind.
by livesoft
Sat Sep 20, 2014 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Regular vs Roth 401k?
Replies: 5
Views: 398

Re: Do I Really Need a Million Bucks?

I am 64 with wife and my SS$ no pension, guess I'm saying I for will not buy into fear, life is too good and too short. That's what I like to read. :) If you are like me, you probably have pretty low living expenses. Perhaps health care is covered, low utility costs, low property taxes, no mortgage...
by livesoft
Sat Sep 20, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Do I Really Need a Million Bucks?
Replies: 50
Views: 3459

Re: Total bond index or 5 yr CD?

I wouldn't get the CD because I like total bond market index. I believe that it is not only about yield, but also about the change in NAV or if you like: total return. I sell total bond index shares when the NAV goes up in a rebalancing move. If I only want to earn 2.3%, then I buy a short-term bond...
by livesoft
Sat Sep 20, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total bond index or 5 yr CD?
Replies: 36
Views: 2709

Re: Do I Really Need a Million Bucks?

I for one am retired with far less tha a million and I am doing well. I think fear is a bigger obstacle than not having a million bucks to leading a good life. Share your stories, give people hope not worries. Please share your income sources and age. I can say that I don't have a pension, nor am I...
by livesoft
Sat Sep 20, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Do I Really Need a Million Bucks?
Replies: 50
Views: 3459

Re: Student Loan vs 401k dilemma

1. Stop contributing the $6,000 a year to a 529 plan until you pay off student loan AND contribute maximum to your 401(k) plan. 2. Stop paying extra on the mortgage until you pay off student loan AND contribute maximum to your 401(k) plan. I am not in the 28% tax bracket, so your income has to be wa...
by livesoft
Sat Sep 20, 2014 1:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Student Loan vs 401k dilemma
Replies: 21
Views: 1408
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