Search found 46676 matches

by livesoft
Sat May 28, 2016 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Reading advice
Replies: 3
Views: 61

Re: Reading advice

"Why Smart People Make Big Money Mistakes" Gilovich and Belsky.
by livesoft
Sat May 28, 2016 10:55 am
Forum: Personal Finance (Not Investing)
Topic: "Why The Empty Nest Transition Is Crucial For Retirement Success" by Michael Kitces
Replies: 13
Views: 1364

Re: "Why The Empty Nest Transition Is Crucial For Retirement Success" by Michael Kitces

The comments in this thread echo the comments posted at the end of the Kitces piece: Namely that Life doesn't work out the way one expects it to, unless one expects job loss from layoffs or health reasons and kids returning home for parental support. My oldest is paying her own expenses to come visi...
by livesoft
Sat May 28, 2016 10:42 am
Forum: Personal Finance (Not Investing)
Topic: "Grandparent 529 Plans And Gifting Appreciated Assets While Qualifying For FAFSA Financial Aid" by Michael Kitces
Replies: 3
Views: 208

Re: "Grandparent 529 Plans And Gifting Appreciated Assets While Qualifying For FAFSA Financial Aid" by Michael Kitces

runner9 wrote:https://www.bogleheads.org/forum/viewtopic.php?f=2&t=192207&newpost=2921125

You already posted the same a little earlier.

My reading comprehension ain't what it used to be, but I think these threads are about different Kitces pieces altogether.
by livesoft
Sat May 28, 2016 7:56 am
Forum: Personal Finance (Not Investing)
Topic: "Grandparent 529 Plans And Gifting Appreciated Assets While Qualifying For FAFSA Financial Aid" by Michael Kitces
Replies: 3
Views: 208

Re: "Grandparent 529 Plans And Gifting Appreciated Assets While Qualifying For FAFSA Financial Aid" by Michael Kitces

Thanks for the link. 529 plan owners should read it, especially if the beneficiaries are of high school age or older.
by livesoft
Sat May 28, 2016 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Adding a tilt--which international fund to use?
Replies: 43
Views: 2558

Re: Adding a tilt--which international fund to use?

Nice portfolio in theory, but in practice, that GVAL has no volume and no assets for a retirement portfolio. For instance, the reported volume on Friday May 27, 2016 was 1762 shares and the closing price was $18.77. That means about $33,000 of GVAL changed hands. Yes, I see that the 3 month average ...
by livesoft
Fri May 27, 2016 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Transferring from Ed Jones without being Taxed
Replies: 17
Views: 691

Re: Transferring from Ed Jones without being Taxed

Thanks again, everyone! I've held these funds for years, so I'm pretty sure these are LTCG. It is not how long you have held the funds, but how long each share has been held. For instance, if there were distributions paid by the funds last June, last September, last December, this past March that w...
by livesoft
Fri May 27, 2016 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Transferring from Ed Jones without being Taxed
Replies: 17
Views: 691

Re: Transferring from Ed Jones without being Taxed

Yes, you are understanding right, BUT, BUT, BUT ... ... you probably have some short-term capital gains and some long-term capital gains, as yet unrealized. When you sell, you will "realize" those gains. The tax rates are different for short-term capital gains and long-term capital gains. ...
by livesoft
Fri May 27, 2016 7:39 am
Forum: Investing - Theory, News & General
Topic: Difference between "international" and "ex-US"?
Replies: 10
Views: 1017

Re: Difference between "international" and "ex-US"?

I think the "ex-US" naming convention arose because the name "International" was already taken. Fund families like Vanguard and Fidelity could not each have two funds with the same names. Also, the companies that make indexes for other places to follow needed a catchy new name. S...
by livesoft
Thu May 26, 2016 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Jump in Credit Score
Replies: 4
Views: 551

Re: Jump in Credit Score

I would not be surprised if the hard inquiries from getting that auto loan have timed off your credit report and not that you have paid 33% off. For instance, I got a 3-year 0% auto-loan with no money down. I saw my score drop and the inquiries appear. Then when they aged-off, my score went back up.
by livesoft
Thu May 26, 2016 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Funding 529's vs taxable after 401k/IRA's
Replies: 5
Views: 417

Re: Funding 529's vs taxable after 401k/IRA's

grabiner wrote:Assuming that the 529 is likely to be used for college, it is a better investment than a taxable account, ....

Except possibly for funds used to pay for qualified education expenses that get one the American Opportunity Tax Credit.
by livesoft
Thu May 26, 2016 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: very simple Whole Life question
Replies: 6
Views: 585

Re: very simple Whole Life question

I wonder if one of the parents work for a life insurance company.
by livesoft
Thu May 26, 2016 6:11 pm
Forum: Personal Consumer Issues
Topic: Other Than Finances [Fun things to do]
Replies: 20
Views: 1342

Re: Other Than Finances

Mountain trekking, ski camping, sand castle building, whitewater canoeing, dog training, cooking, participate on government scientific advisory panels, gardening, listen to friends who have problems and provide non-professional therapy, raise children, restaurant sampling, cooking, fishing, car repa...
by livesoft
Thu May 26, 2016 7:06 am
Forum: Investing - Help with Personal Investments
Topic: please advise: how to get intl value exposure at lower cost
Replies: 17
Views: 1060

Re: please advise: how to get intl value exposure at lower cost

It seems that the Total International index fund is somewhat value-y to begin with according to the Morningstar 9-box style grid. So are the FTSE-all-world-ex-US funds, VFWAX and VFSVX. All have 36% to 38% sums in the "value" column at the expense of the "growth" column. Partly b...
by livesoft
Thu May 26, 2016 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa rewards card question
Replies: 26
Views: 1893

Re: Fidelity Visa rewards card question

True story on text notification: My friend was eating in a restaurant and paid the bill with his credit card. He got the text notification. Then a moment later he got another text notification for the same restaurant but for a higher amount. A discussion ensued with the manager that was becoming hea...
by livesoft
Wed May 25, 2016 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow, Tax Deferred Investing, and Student Loan
Replies: 2
Views: 176

Re: Cash flow, Tax Deferred Investing, and Student Loan

I see no reason to contribute to 529 plans at this time.
by livesoft
Wed May 25, 2016 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing - shifting AA due to age
Replies: 8
Views: 785

Re: Rebalancing - shifting AA due to age

There are an infinite number of ways to shift 1.25% per year. An easy way is to just take your distributions in cash and reinvest them where it makes the most sense. That works for almost all rebalancing anyways. Consider that your equity funds pay about about 2% in distributions each year, so they ...
by livesoft
Wed May 25, 2016 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value Fund as a retirement bucket?
Replies: 9
Views: 661

Re: Stable Value Fund as a retirement bucket?

Sure, why not?

I'm not a believer in buckets, but I have some TIAA traditional annuity which is pretty much a stable value fund as part of my fixed income asset allocation.
by livesoft
Wed May 25, 2016 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: I just shorted the S&P, now what do I do?
Replies: 53
Views: 5176

Re: I just shorted the S&P, now what do I do?

I don't think it matters if this option never makes money and the whole $9K+ is lost. After all, if one buys an insurance policy (which is what this option is), no one really wants to collect on it.
by livesoft
Wed May 25, 2016 2:39 pm
Forum: Personal Consumer Issues
Topic: 10 p.m. flight out of O'Hare -- How early to arrive?
Replies: 9
Views: 942

Re: 10 p.m. flight out of O'Hare -- How early to arrive?

I've flown several times in the past few weeks and so has my spouse. We both have TSA-precheck (signed up for it, not randomly picked). The TSA-precheck lines at every airport were non-existent. On flights, I was the only one in the line. I messed up, too. Since everything was so fast, I forgot my k...
by livesoft
Wed May 25, 2016 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Can contribute to Roth: No Wages / W2 but income from blog / Google Adwords
Replies: 7
Views: 319

Re: Can contribute to Roth: No Wages / W2 but income from blog / Google Adwords

You have earned income if you filed Schedule C or Schedule C-EZ that ended up with a positive amount, so you could have contributed to a Roth IRA for 2015, but it is too late now.
by livesoft
Wed May 25, 2016 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: I just shorted the S&P, now what do I do?
Replies: 53
Views: 5176

Re: I just shorted the S&P, now what do I do?

... and the beat-down goes on.
by livesoft
Wed May 25, 2016 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting large amount of cash
Replies: 11
Views: 1173

Re: Reinvesting large amount of cash

It is looking like a nice 2% gain since this thread was started. 2% might not seem like a lot, but at least it isn't negative.
by livesoft
Wed May 25, 2016 12:40 pm
Forum: Investing - Theory, News & General
Topic: Different Vanguard Roth Accounts?
Replies: 2
Views: 146

Re: Different Vanguard Roth Accounts?

You didn't screw anything up. Vanguard is schizophrenic when it comes to accounts for two main reasons: 1. Non-Vanguard products and Vanguard ETFs must be held in a so-called brokerage account. 2. In the old days, Vanguard mutual funds could be held in a so-called non-brokerage account, sometimes re...
by livesoft
Wed May 25, 2016 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for my daughter
Replies: 39
Views: 1990

Re: Advice for my daughter

My thoughts on this is that I would let my adult children do what they want with the rental real estate story. Experience is the best teacher, so I would not have to sway them one way or the other. I might send them articles that are pro and articles that are con. They can certainly make up their ow...
by livesoft
Wed May 25, 2016 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Inheritance Recommendations
Replies: 14
Views: 1526

Re: Inheritance Recommendations

After 50 years at 7% annual compounding interest, that $10,700 from the lump has grown to $315,190.17. After 50 years at 7% annual compounding interest, that $10,400 from the DCA has grown to $306,353.06. So, by lump summing in this scenario, you've gained $8,837 -- nearly the entire value of your ...
by livesoft
Wed May 25, 2016 11:23 am
Forum: Investing - Theory, News & General
Topic: This Bull Seems to be Getting Pretty Long In the Tooth
Replies: 69
Views: 5653

Re: This Bull Seems to be Getting Pretty Long In the Tooth

Seems as though the S&P 500 has had a huge, nearly continuous, rise since 2008-9. Anyone getting weary? Anyone pondering taking some risk off the table and cooling off the AA? Anyone struggling with whether to pay a capital gains tax? Dave So, you are ignoring the more than 20% drops in US smal...
by livesoft
Wed May 25, 2016 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Short term bond funds?
Replies: 7
Views: 927

Re: Short term bond funds?

I don't think anyone should be thinking they will hold their bond funds without changes for 12+ years. By that I mean that folks should be prepared to rebalance with their bond funds. If one wants more than one type of bond fund, then one should have rules for rebalancing among them. This is especia...
by livesoft
Tue May 24, 2016 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with small IRA?
Replies: 10
Views: 587

Re: What to do with small IRA?

She can do that.
by livesoft
Tue May 24, 2016 9:45 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway always beats SP500
Replies: 47
Views: 4280

Re: Berkshire Hathaway always beats SP500

Berkshire is great, but it does not always beat the S&P500. In particular, the total return for the two for the past 3 years shows that S&P500 beats Berkshire Hathaway. What about the next 3 years? 10 years? 20 years? Another investment that might beat the S&P500 over the long term is t...
by livesoft
Tue May 24, 2016 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Feedback
Replies: 5
Views: 270

Re: Asset Allocation Feedback

I suggest you read this long thread started by Trev H: https://www.bogleheads.org/forum/viewtopic.php?t=38374 Lots of folks on the forum slice-and-dice their portfolios, but many have simplified the coffeehouse-like portfolio with great results. OTOH, folks have been disappointed in international c...
by livesoft
Tue May 24, 2016 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Feedback
Replies: 5
Views: 270

Re: Asset Allocation Feedback

I suggest you read this long thread started by Trev H: https://www.bogleheads.org/forum/viewtopic.php?t=38374 Lots of folks on the forum slice-and-dice their portfolios, but many have simplified the coffeehouse-like portfolio with great results. OTOH, folks have been disappointed in international co...
by livesoft
Tue May 24, 2016 7:20 pm
Forum: Personal Consumer Issues
Topic: Listening to tunes while exercising
Replies: 29
Views: 2238

Re: Listening to tunes while exercising

Barefootgirl wrote:I'm amazed by the number of people who can use ear buds. They fall out of my ears...maybe my ears are misshapen (sp?)

This is why those hooks and other thingies have been added to the earbuds used for exercising.
by livesoft
Tue May 24, 2016 7:19 pm
Forum: Investing - Theory, News & General
Topic: Fidelity typo (Isolated or not?) [Money Market account balance]
Replies: 11
Views: 558

Re: Fidelity typo (Isolated or not?)

My account balance is still $0.00, so the $20 million from your account didn't go to the right place.
by livesoft
Tue May 24, 2016 7:08 pm
Forum: Investing - Theory, News & General
Topic: Fidelity typo (Isolated or not?) [Money Market account balance]
Replies: 11
Views: 558

Re: Fidelity typo (Isolated or not?)

Fido must've hired some IT folks away from Vanguard.
by livesoft
Tue May 24, 2016 6:53 pm
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 132
Views: 15421

Re: Does anyone use "Blue Apron"?

Long Blue Apron previous thread:
viewtopic.php?t=168142
by livesoft
Tue May 24, 2016 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover "Limbo" Period
Replies: 8
Views: 483

Re: Rollover "Limbo" Period

I would have hoped that you didn't want to lose 10% like I did immediately after re-investing the money.
by livesoft
Tue May 24, 2016 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Best time of day to buy or sell funds
Replies: 24
Views: 1347

Re: Best time of day to buy or sell funds

Screwing up goes with the investing territory. That's not something I would worry about. Instead, I would embrace it and just get it over with.
by livesoft
Tue May 24, 2016 6:44 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA conversion taxes
Replies: 3
Views: 262

Re: Roth IRA conversion taxes

Yes.. So if you don't pay income taxes now and would not if your income goes up $20,000, then that is probably a great idea.

See also: viewtopic.php?t=87471 so you can plan on the future.
by livesoft
Tue May 24, 2016 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Why are health care funds down in 2016?
Replies: 10
Views: 911

Re: Why are health care funds down in 2016?

Valeant. It's been in the news.
by livesoft
Tue May 24, 2016 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with small IRA?
Replies: 10
Views: 587

Re: What to do with small IRA?

One cannot combine your Roth IRA with your spouse's Roth IRA until one of you dies.
by livesoft
Tue May 24, 2016 6:37 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA conversion taxes
Replies: 3
Views: 262

Re: Roth IRA conversion taxes

Generally, the amount of the conversion gets added to one's Adjusted Gross Income (AGI) because the contributions to the traditional IRA were fully excluded from taxes when they were made. If the traditional IRA has so-called non-deductible contributions and you filed Form 8606 in previous years to ...
by livesoft
Tue May 24, 2016 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Cashing in $50K of assets - best place to pull from?
Replies: 20
Views: 1588

Re: Cashing in $50K of assets - best place to pull from?

Can my parents gift shares with gains up to the point where my brother would hit the next bracket, and then the rest in cash (that they would obtain by selling shares with gains up to the edge of the bracket as well)? From what I've read, my parents can gift up to $56K without a gift tax return if ...
by livesoft
Tue May 24, 2016 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover "Limbo" Period
Replies: 8
Views: 483

Re: Rollover "Limbo" Period

You will receive the check by Friday if not earlier. In the meantime, don't worry. The market will probably drop 5% by next week and you will look like a genius. Bond funds went down today, so I suppose some of the check will eventually be invested in bond funds, right? What to do with the check? Wh...
by livesoft
Tue May 24, 2016 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance Recommendations
Replies: 14
Views: 1526

Re: Inheritance Recommendations

While a DAF is a great idea (we have one), I don't see a benefit to the OP this year, but yes charities would benefit. We like to donate shares held long-term with significant capital gains to our DAF. At the present time, the OP is very unlikely to have shares in taxable with significant gains beca...
by livesoft
Tue May 24, 2016 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Best time of day to buy or sell funds
Replies: 24
Views: 1347

Re: Best time of day to buy or sell funds

I realize I could be making a total mistake but I'm really hoping the funds I had that did poorly recover and if they do I am getting out of them. Unfortunately, if you wait for the funds to recover, then the prices of the index funds you want to buy will also recover and perhaps go up even more, s...
by livesoft
Tue May 24, 2016 5:35 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway always beats SP500
Replies: 47
Views: 4280

Re: Berkshire Hathaway always beats SP500

Berkshire is great, but it does not always beat the S&P500. In particular, the total return for the two for the past 3 years shows that S&P500 beats Berkshire Hathaway. What about the next 3 years? 10 years? 20 years? Another investment that might beat the S&P500 over the long term is th...
by livesoft
Tue May 24, 2016 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring IRA from Fido to Vanguard - Funds in Limbo for a Week
Replies: 8
Views: 320

Re: Transferring IRA from Fido to Vanguard - Funds in Limbo for a Week

Interesting, BigJohn, thanks. Livesoft, you wrote: Does it matter? The shares are shares until they appear in your account and they benefit from all the NAV changes that happen while you are not able to look. I was wondering whether that was the case with an in-kind transfer, but I can't visualize ...
by livesoft
Tue May 24, 2016 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring IRA from Fido to Vanguard - Funds in Limbo for a Week
Replies: 8
Views: 320

Re: Transferring IRA from Fido to Vanguard - Funds in Limbo for a Week

If only there were some sort of cheap, ubiquitous, high speed computer network that could link brokers. But I guess that is just a dream since it is 1980. Shares transferred in-kind are transferred through a ubiquitous high-speed computer network. The problem is that once inside Vanguard, everythin...
by livesoft
Tue May 24, 2016 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Cashing in $50K of assets - best place to pull from?
Replies: 20
Views: 1588

Re: Cashing in $50K of assets - best place to pull from?

What is their tax bracket? What is son's tax bracket? If they gift shares to him and he sells, then he pays the taxes on gains (don't give shares that have a loss). So if he pays 0% LTCG tax and they pay 15%, that might be something to consider. Otherwise, sell only losers and realize the losses. Bi...

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