Search found 53331 matches

by livesoft
Sun Apr 23, 2017 5:52 am
Forum: Personal Consumer Issues
Topic: National Parks in Northern CA
Replies: 18
Views: 847

Re: National Parks in Northern CA

I just got back from Yosemite and stayed at both Tenaya Lodge and Yosemite Valley Lodge. Both are pleasant enough. The drive from Tenaya to the Valley and back could be painful if you are stuck behind others who are afraid of twisty mountainous roads and will add 2.5 hours driving to every day when ...
by livesoft
Sun Apr 23, 2017 4:31 am
Forum: Investing - Theory, News & General
Topic: How inefficient is it to hold Total Bond Index in a taxable account?
Replies: 33
Views: 3490

Re: How inefficient is it to hold Total Bond Index in a taxable account?

For taxable bonds, ETFs have a major advantage over mutual funds because of how they deal with capital gains. Has anyone ever run numbers to quantify the actual significance of this advantage of ETF bond funds over mutual funds? There is no major advantage between ETF bond funds over bond mutual fu...
by livesoft
Tue Apr 18, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: How to make best use of lunch with the company president/CEO?
Replies: 54
Views: 4686

Re: How to make best use of lunch with the company president/CEO?

Why not treat them like a normal person / employee? You can ask them what their 3 biggest worries are, why they like their job, what they hate about their job, what keeps them from sleeping at night, where they will be in 3 years, what drives them, why are they still working, etc. What questions wou...
by livesoft
Mon Apr 17, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: Anyone have sod installed?
Replies: 16
Views: 1561

Re: Anyone have sod installed?

Years ago we bought a couple pallets of St Augustine grass for about $400 delivered and spent two days plopping it down. Soil prep was minimal. Gravity and rain will help flatten everything and make the roots grow towards the center of the earth. Maintenance is trivial: Mow, water, fertilize as need...
by livesoft
Mon Apr 17, 2017 7:55 pm
Forum: Investing - Theory, News & General
Topic: Is all the money flowing into index funds bad?
Replies: 21
Views: 2880

Re: Is all the money flowing into index funds bad?

Definitely bad. Many employees of many financial firms will lose their jobs. Very bad for them.
by livesoft
Mon Apr 17, 2017 5:42 pm
Forum: Personal Consumer Issues
Topic: Is my electric bill high?
Replies: 56
Views: 4305

Re: Is my electric bill high?

Here is the answer to your question:
viewtopic.php?t=146178
Yes.

Here is another thread:
viewtopic.php?t=194121

We average under $100 a month for a larger house in a hotter more humid location.
by livesoft
Mon Apr 17, 2017 8:55 am
Forum: Personal Finance (Not Investing)
Topic: TLH question please. Doing my taxes.
Replies: 10
Views: 705

Re: TLH question please. Doing my taxes.

I agree with Chip and th following edited statement

Is the $13,300 in long term losses only used to offset the $9100 cap gains? yes. Then $3000 toward ordinary income and have to carry over $1200 for next year[].yes.


BTW, TT should still let you import the 1099-B and guide you.
by livesoft
Mon Apr 17, 2017 8:51 am
Forum: Investing - Theory, News & General
Topic: How to evaluate your Personal Rate of Return?
Replies: 13
Views: 1359

Re: How to evaluate your Personal Rate of Return?

^I will say that individuals do not rebalance like fund managers, so maybe one could still improve. So, how do you recommend I find the delta and what can be done to improve it? Keep an investing diary and note your thoughts, emotions, reasoning, and comments about current events when you make tran...
by livesoft
Sun Apr 16, 2017 11:33 pm
Forum: Investing - Theory, News & General
Topic: How to evaluate your Personal Rate of Return?
Replies: 13
Views: 1359

Re: How to evaluate your Personal Rate of Return?

^I will say that individuals do not rebalance like fund managers, so maybe one could still improve.
by livesoft
Sun Apr 16, 2017 11:00 pm
Forum: Investing - Theory, News & General
Topic: How to evaluate your Personal Rate of Return?
Replies: 13
Views: 1359

Re: How to evaluate your Personal Rate of Return?

Benchmark funds could be a Target Retirement or Life Strategy fund with same AA.

Example: One has 70/30, so use a combo of VSMGX and VASGX. Or maybe TR 2030.
by livesoft
Fri Apr 14, 2017 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Best for Scottrade transfer?
Replies: 14
Views: 1144

Re: Best for Scottrade transfer?

Fidelity Schwab WellsTrade
by livesoft
Fri Apr 14, 2017 9:16 am
Forum: Investing - Theory, News & General
Topic: Cost basis when selling part of a tax lot
Replies: 1
Views: 240

Re: Cost basis when selling part of a tax lot

Yes: Cost per share of entire lot (including commission) x number of shares sold
by livesoft
Fri Apr 14, 2017 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Physician using Turbotax, owing 30K so far already...
Replies: 65
Views: 6646

Re: Physician using Turbotax, owing 30K so far already...

Line 6 of W-4 is for people like the OP. Simple.
by livesoft
Thu Apr 13, 2017 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-B question (date acquired 1/1/1900)
Replies: 22
Views: 1133

Re: 1099-B question (date acquired 1/1/1900)

Please read carefully the entire 1099-B. It has other pertinent information. Also I would not be surprised if E*trade has an explanation of the 1900 year,
by livesoft
Thu Apr 13, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Filing For Extension?
Replies: 14
Views: 754

Re: Filing For Extension?

One doesn't need to use tax software to file taxes and certainly not to fill out and mail in form 4868 to get an extension. I saw that hr block wanted $20 to send an extension which costs less than a 50 cent stamp on an envelope.

But one does need to read the instructions to fill out tax forms.
by livesoft
Wed Apr 12, 2017 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Extreme Frugality vs Living Life - Where do you draw the line?
Replies: 77
Views: 8258

Re: Extreme Frugality vs Living Life - Where do you draw the line?

Go to Europe 2, 3, … multiple times. Sometimes altogether. Sometimes not.

$247K income and $130K of expenses leaves $117K of savings or the ability to spend an extra $10,000 a month.
by livesoft
Wed Apr 12, 2017 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Contribution limits
Replies: 8
Views: 929

Re: Retirement Contribution limits

She can contribute to her own IRA for 2016 based on your income. Look up Spousal IRA.
by livesoft
Wed Apr 12, 2017 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Extreme Frugality vs Living Life - Where do you draw the line?
Replies: 77
Views: 8258

Re: Extreme Frugality vs Living Life - Where do you draw the line?

4) Your annual expense - Ranges from 85000 - 125000 based on the big ticket expenses that we encounter in the year. I do not work and my husband makes $247,000 a year. Taxes are part of a family's annual expenses. I read that you want to go to Europe, but your spouse likes luxury travel. Take your ...
by livesoft
Wed Apr 12, 2017 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Im new, Im reading "the Book". Question for my kids....
Replies: 27
Views: 2068

Re: Im new, Im reading "the Book". Question for my kids....

Side question, do you Max out 401k before you contribute to a Roth, or just match your employer and put the rest in a roth. We always maxed out my 401(k) before contributing to a Roth because we were in a high tax bracket and needed the tax reduction. Plus we always maxed out Roths, too. Furthermor...
by livesoft
Wed Apr 12, 2017 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Im new, Im reading "the Book". Question for my kids....
Replies: 27
Views: 2068

Re: Im new, Im reading "the Book". Question for my kids....

MikesChevelle wrote:Wouldn't a few bucks more compound to more for them in the long run than inheriting my left overs

Absolutely not. Money is money, except it is even more money when it is not taxed like in a Roth IRA.
by livesoft
Wed Apr 12, 2017 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Im new, Im reading "the Book". Question for my kids....
Replies: 27
Views: 2068

Re: Im new, Im reading "the Book". Question for my kids....

Put the money in your 401(k) and don't spend it. That way your kids will inherit it. No need to have separate account for the kids right now. If you have reached the maximum possible contribution to your 401(k), then put the money in a Roth IRA and don't spend it. Your spouse can also have a Roth IR...
by livesoft
Wed Apr 12, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate portfolio withdrawal for retirement?
Replies: 12
Views: 1296

Re: How to calculate portfolio withdrawal for retirement?

In 2012, I sold a business, retired, and executed my retirement financial plan by living initially off the proceeds of the business sale, while allowing the portfolio to grow. With proceeds from the business ending this year, I’ll start tapping that portfolio—which has grown more than 40% from 2012...
by livesoft
Wed Apr 12, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax woes - how to contact TT?
Replies: 22
Views: 1277

Re: Turbo Tax woes - how to contact TT?

It reads like there is no rush needed to get this fixed. Are you expecting a refund?
by livesoft
Wed Apr 12, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax woes - how to contact TT?
Replies: 22
Views: 1277

Re: Turbo Tax woes - how to contact TT?

I would start over from scratch and see what happens. I assume this is TT desktop version running on your own computer.
by livesoft
Wed Apr 12, 2017 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: absolute amount or % to trigger a TLH
Replies: 12
Views: 796

Re: absolute amount or % to trigger a TLH

Unlike equity funds, you're very unlikely to have much in the way of NAV swings over 31 days (although nothing's for sure). I will say that NAV swings are predictable around FOMC meeting days nowadays. One cannot always predict up or down, but I think something is more likely to happen than not. So...
by livesoft
Wed Apr 12, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Must file late 5500-Ez - is this DIY?
Replies: 13
Views: 876

Re: Must file late 5500-Ez - is this DIY?

I don't think first-timers should fear the IRS. So this is DIY.
by livesoft
Wed Apr 12, 2017 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: New Car Purchase: Having my cake and eating it too?
Replies: 16
Views: 2189

Re: New Car Purchase: Having my cake and eating it too?

I bought a used car about 3 years ago. I told the sales rep that I would just write a check. I bought my previous car from the same place years before by just writing a check. After I test drove the car, the negotiations played out over a few days of phone tag. As in, "I'm not in a hurry to buy...
by livesoft
Wed Apr 12, 2017 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: absolute amount or % to trigger a TLH
Replies: 12
Views: 796

Re: absolute amount or % to trigger a TLH

I would have already TLH'd this back in mid-March when bond fund prices were much lower and the losses were larger.
by livesoft
Wed Apr 12, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: tax strategy for side income
Replies: 6
Views: 613

Re: tax strategy for side income

Your side income will be reported on Schedule C on which you can claim expenses whether you start a company or not. A "sole proprietorship" is not a company. You should start reading the IRS publications for small businesses which you now have. See irs.gov/publications/ Since this is such ...
by livesoft
Wed Apr 12, 2017 8:42 am
Forum: Investing - Theory, News & General
Topic: Ben Carlson Drawdown Chart
Replies: 16
Views: 2963

Re: Ben Carlson Drawdown Chart

This suggests that one should look to see if they should rebalance their portfolio whenever the stock market goes down more than 5%, 10%, 15%, ... and not based on a calendar nor on rebalancing bands. And of course, sometimes when the stock market goes up. Note for quick readers: "should look t...
by livesoft
Wed Apr 12, 2017 7:53 am
Forum: Investing - Help with Personal Investments
Topic: Consolidate, keep apart, or overthinking?
Replies: 5
Views: 450

Re: Consolidate, keep apart, or overthinking?

If you keep them at separate financial institutions, then you will not make the mistake of making a transaction in the wrong account. :) If you have accounts at both Fidelity and Vanguard, then you will see how each of them treats their customers. You will see how each web site works. You will see w...
by livesoft
Wed Apr 12, 2017 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Goodbye, Wells Fargo, and hello, BECU!
Replies: 17
Views: 2754

Re: Goodbye, Wells Fargo, and hello, BECU!

I'm amused by the comment that the Fidelity cash transfers are "painfully slow." Sure. They are slow, but it is not painful. I have a set of Fidelity accounts in "set-and-forget" mode. I do use the Fido credit card as my primary card. Whenever I get the cash in the CMA place, I n...
by livesoft
Wed Apr 12, 2017 6:29 am
Forum: Investing - Theory, News & General
Topic: Rebalancing Stock/Bonds ratio based on long term technical analysis?
Replies: 6
Views: 603

Re: Rebalancing Stock/Bonds ratio based on long term technical analysis?

If you really believed in this, then you wouldn't be asking us for permission to change your asset allocation.

Change your asset allocation because you don't need to be so aggressive.
by livesoft
Tue Apr 11, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 7114

Re: leaving early from work

We did the tag team drop-off and pick-up, but paid less for daycare. I wonder if one of you would make more money opening and running a daycare?
by livesoft
Tue Apr 11, 2017 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: VASGX [Vanguard LifeStrategy Growth Fund] alternative
Replies: 2
Views: 374

Re: VASGX [Vanguard LifeStrategy Growth Fund] alternative

A target retirement fund with a 90/10 asset allocation would be more aggressive.
by livesoft
Tue Apr 11, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Dollar amount of fees
Replies: 5
Views: 498

Re: Dollar amount of fees

How do advisor fees get deducted? Isn't that a Miscellaneous itemized deduction subject to the 2% of AGI floor? (Or is it something else?)

I would not want to be paying so much that I exceeded the 2% of AGI floor. Would you?
by livesoft
Tue Apr 11, 2017 6:22 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg - The Math Behind Futility
Replies: 8
Views: 1458

Re: Bloomberg - The Math Behind Futility

OK, this is about "What" to own and not "When" to own it. Suppose I only buy VTI and just market-time buying and selling? Then this paper does not apply. There must be some other paper that does apply though. :twisted:
by livesoft
Tue Apr 11, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for first time homebuyer (a friend)
Replies: 25
Views: 2313

Re: Advice for first time homebuyer (a friend)

Here is my advice on choosing a home as published earlier on the forum: 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 ...
by livesoft
Tue Apr 11, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Honda Pilot good 1st vehicle for teen?
Replies: 46
Views: 2541

Re: Honda Pilot good 1st vehicle for teen?

Of course, I wonder why a 16-year old needs their own vehicle at all. Your kids never had jobs? Of course my kids had jobs. But they didn't need their own vehicle to get to their jobs. But I assume you can imagine a situation where other kids might not be able to walk to their jobs, or have their p...
by livesoft
Tue Apr 11, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Honda Pilot good 1st vehicle for teen?
Replies: 46
Views: 2541

Re: Honda Pilot good 1st vehicle for teen?

HomerJ wrote:
livesoft wrote:Of course, I wonder why a 16-year old needs their own vehicle at all.

Your kids never had jobs?

Of course my kids had jobs. But they didn't need their own vehicle to get to their jobs.
by livesoft
Tue Apr 11, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Honda Pilot good 1st vehicle for teen?
Replies: 46
Views: 2541

Re: Honda Pilot good 1st vehicle for teen?

I know 3 young men who got old Honda Pilots from their parents as one of the parents got another newer vehicle. A Honda Pilot is just fine for a new driver. Of course, I wonder why a 16-year old needs their own vehicle at all. If our teenagers wanted to use a car, they had to make sure they drove th...
by livesoft
Tue Apr 11, 2017 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Last 2 years performance & Portfolio Advice - 2017
Replies: 9
Views: 1115

Re: Last 2 years performance & Portfolio Advice - 2017

If your new employer 401(k) allows previous 401(k)s to be rolled INTO it, then I would recommend that.

Also, as noted, you don't need to have the same asset allocation in each account as long as your overall AA reaches what you want.
by livesoft
Tue Apr 11, 2017 7:42 am
Forum: Investing - Help with Personal Investments
Topic: Terminal diagnosis. Single parent. Plan for child.
Replies: 11
Views: 2288

Re: Terminal diagnosis. Single parent. Plan for child.

My spouse's father died when she was 18 and a freshman in college. While she had money for college, the rest was up to her. Her sibling was still in high school. So the plan for the child would be to work in summers and work during school and get launched. I don't see where the child needs any money...
by livesoft
Tue Apr 11, 2017 6:44 am
Forum: Investing - Help with Personal Investments
Topic: Investing for single aging parent
Replies: 13
Views: 1111

Re: Investing for single aging parent

An effective rate of 12% is pretty high in my experience.
by livesoft
Tue Apr 11, 2017 5:46 am
Forum: Personal Finance (Not Investing)
Topic: Help me understand 0% APR Credit Card Offers - Is it a good loan option?
Replies: 21
Views: 1596

Re: Help me understand 0% APR Credit Card Offers - Is it a good loan option?

Credit cards are heavily regulated. All the offers I have received have CLEARLY explained the contract in the fine print. One must read the fine print in order to understand the contract. I have used 0%-interest, 0%-fee offers several times without issues. But some fine print which you can read in y...
by livesoft
Mon Apr 10, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my girlfriends retirement account
Replies: 11
Views: 1298

Re: Help with my girlfriends retirement account

I suggest using the LifePath option. If they raise the fees (in 2025 many years away), then re-evaluated. In the meantime, enjoy the simplicity and easy way to explain the choice. I never had a Roth 401(k) option and I am glad I did not. Traditional 401(k) is the way to go for just about every worke...
by livesoft
Mon Apr 10, 2017 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: A Wealth Of Common Sense
Replies: 17
Views: 3423

Re: A Wealth Of Common Sense

Thanks for the link and mention of this piece. A good read.
by livesoft
Mon Apr 10, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: Combatting mosquitoes traveling in S. America
Replies: 37
Views: 1781

Re: Combatting mosquitoes traveling in S. America

Earplugs can be good. One night camping, the bugs were hitting the tent so violently that I thought it was raining hard at first.

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