Search found 47995 matches

by livesoft
Wed Jul 27, 2016 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Would you tax GAIN harvest in this situation?
Replies: 8
Views: 544

Re: Would you tax GAIN harvest in this situation?

tpn wrote:livesoft, unfortunately(?) I have no losers to offset gains.

At some point in your life, I think that might change.
by livesoft
Wed Jul 27, 2016 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: ETF vs Mutual Fund
Replies: 5
Views: 451

Re: ETF vs Mutual Fund

See Where is the big advantage in ETFs? (scroll down for livesoft's Pros & Cons) and other info on the Wiki page Exchange-traded fund . Better to read the pros and cons in the wiki: https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds But to answer OP's first question, ETFs from Vanguard are fi...
by livesoft
Wed Jul 27, 2016 4:44 pm
Forum: Personal Consumer Issues
Topic: Interview in Silicon Valley - Suit?
Replies: 43
Views: 1857

Re: Interview in Silicon Valley - Suit?

If the pay I want is in 6-figures, I would wear a suit with tie. You can always take the jacket off once in the door. And it could be an icebreaker in conversations, too. Furthermore, if other interviewee's are not in suits, then you will be remembered ... in a good way if your other qualities quali...
by livesoft
Wed Jul 27, 2016 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Would you tax GAIN harvest in this situation?
Replies: 8
Views: 544

Re: Would you tax GAIN harvest in this situation?

It makes no sense to me. Folks who tax-gain harvest usually pay 0% in cap gains taxes. I'd set my sights on figuring out how to lose money in order to tax-loss harvest. For instance, we have to pay college expenses for a few more years. I always look to sell losers in taxable to pay those expenses f...
by livesoft
Wed Jul 27, 2016 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: asset allocation too cash heavy: how to unwind?
Replies: 9
Views: 686

Re: asset allocation too cash heavy: how to unwind?

My usual advice: Put 50% in NOW, then 5% per month for the next 10 months. If a really bad day happens invest on that day a 5% amount thus accelerating your investing schedule and shortening it by one month. If 3 really bad days happen in one month, then you will have invested 20% that month (one re...
by livesoft
Wed Jul 27, 2016 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Private Wealth Management - Vanguard or ML
Replies: 28
Views: 2397

Re: Private Wealth Management - Vanguard or ML

For me, the major point is that then I don't have to get in the money management business and can be overseas without having to worry too much - does this make sense? In the good ol' days, yes it made sense. But nowadays there are mutual funds that are funds of index funds that could do all the mon...
by livesoft
Wed Jul 27, 2016 2:31 pm
Forum: Personal Consumer Issues
Topic: What is this strange piece of scientific glassware?
Replies: 44
Views: 4065

Re: What is this strange piece of scientific glassware?

There are plenty of current household chemicals that are just as dangerous to one's health as the things described in this thread. Recipes to use them are available in books such as Abbie Hoffmann's Steal This Book or the CRC from the 1930's (recipe for nitroglycerin in your bathtub) or many others....
by livesoft
Wed Jul 27, 2016 1:59 pm
Forum: Investing - Theory, News & General
Topic: Interesting Interaction with Edward Jones
Replies: 31
Views: 1976

Re: Interesting Interaction with Edward Jones

I'm laughing because as I've written before: A new EJ sales rep knocked on my door, so I invited him in. I asked him how long he had been with EJ and whether it was a good gig. I asked him what he did before and what his spouse did. Then I explained to him how EJ was ripping everybody off and if he ...
by livesoft
Wed Jul 27, 2016 10:47 am
Forum: Investing - Theory, News & General
Topic: How can markets keep going up ?
Replies: 47
Views: 2162

Re: How can markets keep going up ?

1. Inflation. 2. Sell more things to more people. There are more people in the world in 2016 than in 2007. Things break and need to be replaced. Food needs to be grown and eaten. Things need to be created to grow more food. Energy needs to be produced for more people, too. Many people have moved up ...
by livesoft
Wed Jul 27, 2016 5:40 am
Forum: Personal Consumer Issues
Topic: Buying a used DSLR Suggestion
Replies: 24
Views: 1139

Re: Buying a used DSLR Suggestion

magneto wrote:Are there any DSLR cameras that are not bulky?
I.E. that could fit in pocket?

With the lens on or off?
by livesoft
Tue Jul 26, 2016 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Can I undo part of a Roth Conversion?
Replies: 8
Views: 485

Re: Can I undo part of a Roth Conversion?

Yes, you can. You ask How?

You talk to your IRA custodian.
by livesoft
Tue Jul 26, 2016 9:22 pm
Forum: Personal Consumer Issues
Topic: MEI Voyageur - custom features
Replies: 15
Views: 620

Re: MEI Voyageur - custom features

Still, I'm kind of struggling to see how plastic clips can be a viable option for a decent travel pack, especially to secure the hip belt. And it still seems to me that if all that plastic paraphernalia doesn't lay flat, it could be potentially uncomfortable and irritating when using the pack. One ...
by livesoft
Tue Jul 26, 2016 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: BigLaw compensation portrayed accurately by media?
Replies: 30
Views: 2854

Re: BigLaw compensation portrayed accurately by media?

huntertheory wrote:The result now is a market where an associate in Manhattan who is working more and billing out to clients at a higher rate (and with the massively higher cost of living) is being paid the same as an associate in Houston, Texas.

Well, firms have to pay the weather-differential for Houston.
by livesoft
Tue Jul 26, 2016 3:16 pm
Forum: Personal Consumer Issues
Topic: Why did the car salesman stop replying to my emails
Replies: 78
Views: 7375

Re: Why did the car salesman stop replying to my emails

google.com (I am totally serious.)
by livesoft
Tue Jul 26, 2016 3:13 pm
Forum: Personal Consumer Issues
Topic: Bring medical instruments into US on flight - How much duty?
Replies: 20
Views: 1226

Re: Bring medical instruments into US on flight - How much duty?

Intens wrote:As a dental patient, this scares me!

Interesting. Most of these things are made in China nowadays, so what's scary about it?

The funny thing is, the OP is probably going to save no more than $1,000 which should be a drop in the bucket of a decent dental practice.
by livesoft
Tue Jul 26, 2016 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: How to manage 120K in taxable account
Replies: 11
Views: 1090

Re: How to manage 120K in taxable account

A taxable account is not a tax-advantaged account. Examples of tax-advantaged accounts are 401(k) and Roth. A 401(k) is usually tax-deferred and a Roth IRA is future tax-free. How to manage $120K? Just invest in tax-efficient passively-managed low-expense-ratio index funds in a manner such that your...
by livesoft
Tue Jul 26, 2016 2:38 pm
Forum: Personal Consumer Issues
Topic: Why did the car salesman stop replying to my emails
Replies: 78
Views: 7375

Re: Why did the car salesman stop replying to my emails

^I think it means nothing. Find out more information from elsewhere (many places) about what people have actually paid for that deal. Then negotiate for a better deal than all of them.
by livesoft
Tue Jul 26, 2016 1:12 pm
Forum: Investing - Theory, News & General
Topic: Improving Vanguard small cap value by shorting REITs?
Replies: 17
Views: 1359

Re: Improving Vanguard small cap value by shorting REITs?

Yep, it all adds up to 0. (pun intended)
by livesoft
Tue Jul 26, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: Sailing -- cost?
Replies: 36
Views: 6397

Re: Sailing -- cost?

@furnace, your idea kind of reads like what I imagine the movie Wild w/ Reese Witherspoon might have been like (I did not see the movie) only worse. I suggest you give it a try for a few hours via some kind of rental or with a friend who has a boat and see how long you last. I doubt you can go 4-5 k...
by livesoft
Tue Jul 26, 2016 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Private Wealth Management - Vanguard or ML
Replies: 28
Views: 2397

Re: Private Wealth Management - Vanguard or ML

So, just money management and none of the other things that a family office might do: help with minimizing taxes, loans, life insurance, other things. The two-year return (to date) of Vanguard LifeStrategy Moderate Growth (a 60/40 fund) is 6.4% or about 3.15% per year. So returns in the past two yea...
by livesoft
Tue Jul 26, 2016 11:25 am
Forum: Personal Consumer Issues
Topic: Bring medical instruments into US on flight - How much duty?
Replies: 20
Views: 1226

Re: Bring medical instruments into US on flight - How much duty?

From your question, I think you are going to resell these instruments and they will not be for personal use, correct? There is also a huge spectrum of "medical instruments" from small hand tools (tongs, clamps, scissors) to electronic devices and other complicated hardware. You mentioned F...
by livesoft
Tue Jul 26, 2016 11:20 am
Forum: Investing - Help with Personal Investments
Topic: SWR for work hiatus
Replies: 5
Views: 327

Re: SWR for work hiatus

I think the answer is "It depends." It is kind of like taking time off to have children, too. If you are 30, then it will be different than if you are 50. If you are financially independent, then it will be different than if you have only $50,000 in your retirement accounts. And so on ....
by livesoft
Tue Jul 26, 2016 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Private Wealth Management - Vanguard or ML
Replies: 28
Views: 2397

Re: Private Wealth Management - Vanguard or ML

I'm curious what kind of services you get with the Genworth platform that you think are worthwhile. Do you mind elaborating a little bit about your experiences? Thanks.
by livesoft
Tue Jul 26, 2016 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Planning for the "new normal": how?
Replies: 42
Views: 3414

Re: Planning for the "new normal": how?

How do people deal with this uncertainty? I am not sure how much I would have to have stashed away to feel like I can sleep at night and will have enough, but something tells me I should be doubling my guess for annual expenses to be anywhere near the right ballpark. I don't think anything has chan...
by livesoft
Tue Jul 26, 2016 9:36 am
Forum: Investing - Help with Personal Investments
Topic: inheriting both an IRA and a non-IRA investment account
Replies: 5
Views: 381

Re: inheriting both an IRA and a non-IRA investment account

The IRA custodian will split up the IRA. It could involve cashing in some shares, but so what? Usually, there is no need to transfer the assets in the IRA. Instead the IRA assets can be sold and the cash transferred to the inherited IRA. For the non-IRA investment account, the executor and beneficia...
by livesoft
Mon Jul 25, 2016 9:06 pm
Forum: Personal Consumer Issues
Topic: MEI Voyageur - custom features
Replies: 15
Views: 620

Re: MEI Voyageur - custom features

livesoft: thank you for the helpful pointers / input. I've scrutinized that ebag TLS Motherlode Weekend Junior bag every which way. It looks like a great bag, certainly for the price, but from what I can tell it uses clips (plastic?) to secure the hip belt. Not only does a clip not strike me as a g...
by livesoft
Mon Jul 25, 2016 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Help simplifying an old TIAA acct(s)
Replies: 9
Views: 300

Re: Help simplifying an old TIAA acct(s)

Sorry, I couldn't follow what you wrote. I have had TIAA traditional in 5 different "accounts" at the same employer, so I sort of understand what you want to do. I just let it go myself. You would have to make a table with names, guaranteed rates, current rates, and liquidity notes for me ...
by livesoft
Mon Jul 25, 2016 7:33 pm
Forum: Investing - Theory, News & General
Topic: The Fortitude Required of a Buy-and-Hold Equity Investor
Replies: 37
Views: 2227

Re: The Fortitude Required of a Buy-and-Hold Equity Investor

I think it's worth noting that a decline in value of 50% requires a corresponding gain of 100% just to get back to even. The first chart you posted is great, but slightly misleading in this sense, as one could assume all percentages are equal when they are not. Good point, the first chart in the OP...
by livesoft
Mon Jul 25, 2016 7:20 pm
Forum: Personal Consumer Issues
Topic: Affordable Bachelor party transportation?
Replies: 26
Views: 1425

Re: Affordable Bachelor party transportation?

I think it is the clean-up afterwards that might be a major expense for the vehicle provider. Didn't Uber raise their vomit fee?
by livesoft
Mon Jul 25, 2016 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Recommendations [getting started with funds]
Replies: 13
Views: 1126

Re: Vanguard Recommendations [getting started with funds]

While Duckie's list of funds is fine, it may be too complicated for gracem. gracem could move the SEP-IRA from MerrillLynch to Vanguard and use the Vanguard LifeStrategy Conservative Growth Fund. Or perhaps gracem is the only employee in the self-employment that was mentioned, so that an individual ...
by livesoft
Mon Jul 25, 2016 3:38 pm
Forum: Investing - Theory, News & General
Topic: Why does ITOT appear to be down 50%?
Replies: 6
Views: 986

Re: Why does ITOT appear to be down 50%?

Yahoo is not an ETF sponsor as far as I am aware, so one has to go to the source whenever questions like this arise. What is the official web site of this ETF? Your broker could have bad data. Yahoo, morningstar, google could have bad data. Get to the source. (Even bogleheads.org could have bad data.)
by livesoft
Mon Jul 25, 2016 2:06 pm
Forum: Investing - Theory, News & General
Topic: The Fortitude Required of a Buy-and-Hold Equity Investor
Replies: 37
Views: 2227

Re: The Fortitude Required of a Buy-and-Hold Equity Investor

I think these charts show that one cannot simply buy-and-hold. One must certainly rebalance along the way and more often than people want to. The best rebalancing scheme hasn't been made public yet. So the fortitude is not simply putting money in and not peeking, but is buying more risky assets when...
by livesoft
Mon Jul 25, 2016 11:32 am
Forum: Investing - Theory, News & General
Topic: Net Returns for Mutual Funds - Where to Find?
Replies: 2
Views: 258

Re: Net Returns for Mutual Funds - Where to Find?

The M* performance tab shows the same returns as a percent that I actually have received from buying and holding mutual fund shares with dividends reinvested. The same numbers are also shown at Vanguard.com on the Price & Performance tab and the same numbers are calculated by the MSMoney program...
by livesoft
Mon Jul 25, 2016 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Who should my wife and I see, a Financial Advisor, planner, etc.
Replies: 38
Views: 2364

Re: Who should my wife and I see, a Financial Advisor, planner, etc.

^That's the way I interpreted your statement. The organization probably has some meetings and/or continuing education things that members might want to attend. I'd go to a meeting where bsteiner was speaking. (I don't know where "speak up" came from. :) )
by livesoft
Mon Jul 25, 2016 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Converting to vanguard
Replies: 3
Views: 228

Re: Converting to vanguard

Going to a money market is normal. From there buy the TR fund. Yes, you will be able to put all the money in a Vanguard Roth and leave the money market with $0.00. I don't know about you selecting a money market, but I don't see that it matters since you will make the balance $0.00 anyways when you ...
by livesoft
Mon Jul 25, 2016 10:59 am
Forum: Personal Consumer Issues
Topic: Storing a road bike in a plastic shed?
Replies: 17
Views: 1054

Re: Storing a road bike in a plastic shed?

No experience with storage in a shed, but I bought a used bike that was supposedly stored in a garage for many years yet had many rusted bolts: seatpost bolt, stem bolts, chainwheel bolts, water bottle bolts, .... I replaced the rusted bolts with titanium bolts.
by livesoft
Mon Jul 25, 2016 10:54 am
Forum: Personal Consumer Issues
Topic: What is this strange piece of scientific glassware?
Replies: 44
Views: 4065

Re: What is this strange piece of scientific glassware?

Perhaps they make custom-made bongs nowadays, too.
by livesoft
Mon Jul 25, 2016 10:52 am
Forum: Investing - Help with Personal Investments
Topic: winslow fund help....
Replies: 6
Views: 233

Re: winslow fund help....

lospecv wrote:I'm trying to choose between this and vieix in my wife's 401k..

I'm not sure why you would need the ticker symbol to make this decision.

One is a large-cap growth actively-managed fund and the other is a mid/small-cap blend index fund. I would make the decision based on which asset class I wanted.
by livesoft
Mon Jul 25, 2016 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Who should my wife and I see, a Financial Advisor, planner, etc.
Replies: 38
Views: 2364

Re: Who should my wife and I see, a Financial Advisor, planner, etc.

Woody999 wrote:
bsteiner wrote:I've spoken several times for NAPFA. Many of their people are good, but mainly manage assets for a percentage of assets.


So the NAPFA people get paid via a percentage of assets or hourly fee?

I think the point was that they get paid many different ways.
by livesoft
Mon Jul 25, 2016 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Allocation to New Roth IRA (long winded i Know sorry)
Replies: 5
Views: 329

Re: Allocation to New Roth IRA (long winded i Know sorry)

You will probably always be eligible for a Roth IRA either directly or with a backdoor Roth IRA. What kind of asset allocation do you want? You did not state what you wanted. You sort of followed the requested format in this post , but you also sort of didn't. I would also suggest that you keep read...
by livesoft
Mon Jul 25, 2016 10:08 am
Forum: Personal Consumer Issues
Topic: What is this strange piece of scientific glassware?
Replies: 44
Views: 4065

Re: What is this strange piece of scientific glassware?

retiredjg wrote:We'll probably never know. I interpreted it to mean it was piece number 472, built in 3/88, certified by JM. But it could just as easily be last calibrated 3/88.

I'm waiting for someone to say they called the phone number. :)
by livesoft
Mon Jul 25, 2016 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Who should my wife and I see, a Financial Advisor, planner, etc.
Replies: 38
Views: 2364

Re: Who should my wife and I see, a Financial Advisor, planner, etc.

You should interview all of them. Then report back here and folks can comment. If I was interviewing prospective CFPs for this, I would expect to have to interview at least 10 different ones to maybe (no guarantee!) of finding a decent one that I would want to work with. Also note that CFPs can sell...
by livesoft
Mon Jul 25, 2016 9:38 am
Forum: Personal Consumer Issues
Topic: Passport Nightmare
Replies: 31
Views: 3551

Re: Passport Nightmare

wilshuer wrote:Contact your Congressman's office, they can typically assist in dealing with the Federal Bureaucracy - email and phone.

Yep, this is a great idea.
by livesoft
Mon Jul 25, 2016 8:39 am
Forum: Personal Consumer Issues
Topic: I need an awesome tech backpack. Any recommendations?
Replies: 22
Views: 1631

Re: I need an awesome tech backpack. Any recommendations?

Not a recommendation, but Walmart has Targus knapsacks for older school kids with most of those features. I have the model called Drifter. There are others. It has 17 zippers which is too many, but you wanted lots of pockets apparently. I like that the bottom is some kind of fake leather and not nyl...
by livesoft
Mon Jul 25, 2016 8:27 am
Forum: Investing - Theory, News & General
Topic: Buyers Remorse Drives Historic Capitulation in Europe Stocks
Replies: 7
Views: 1060

Re: Buyers Remorse Drives Historic Capitulation in Europe Stocks

I never have to wonder if now is a good time to buy anything. The reason is that I have an asset allocation plan that I follow. I want a certain percentage of my portfolio to be in foreign equities. If foreign equities drop much below that percentage, then I buy them no questions asked to get back n...
by livesoft
Mon Jul 25, 2016 5:00 am
Forum: Investing - Help with Personal Investments
Topic: Does buying international stock index make me a "market-timer'?
Replies: 13
Views: 1301

Re: Does buying international stock index make me a "market-timer'?

First, let me write that I am not opposed to market timing. Second, I don't think I would use P/E, P/B, or my gut to do any market timing. I think market timing works best when one takes advantage of emotional actions of others. If you have a desired asset allocation, then you should stick pretty cl...
by livesoft
Sun Jul 24, 2016 8:26 pm
Forum: Personal Consumer Issues
Topic: What is this strange piece of scientific glassware?
Replies: 44
Views: 4065

Re: What is this strange piece of scientific glassware?

It's called a McLeod gauge, used to measure very low pressures (i.e. vacuum down to 10 -6 torr) Yes. I used one of these every day during my research days (PhD in synthetic organic chemistry). This one looks like it's probably from the 1950s or 60s. I've been e-mailed from an internet sleuth who lo...
by livesoft
Sun Jul 24, 2016 5:47 pm
Forum: Investing - Theory, News & General
Topic: NY State College 529
Replies: 6
Views: 502

Re: NY State College 529

The state YOU as owner use does not have to be the state of the beneficiary. So if you do not live in NY, then what state do you live in? Are there tax benefits for YOU in your state?

Presumably, the PARENTS live in NY, if one of the parents is the owner, then the NY plan is the way to go.
by livesoft
Sun Jul 24, 2016 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds at an historic high; time to get out?
Replies: 37
Views: 3249

Re: Bonds at an historic high; time to get out?

^I think it just makes sense to buy equities anyways such as Total Stock Market or whatever you would buy in the Roth IRA anyways. Anything else is market timing. 1. If it goes up, just pretend it was a great bond fund that you have to pay taxes on. 2. If it goes down, then tax-loss harvest and enjo...

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