Search found 48945 matches

by livesoft
Wed Sep 21, 2016 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Rising dividends over time when reinvesting capital gains?
Replies: 11
Views: 914

Re: Rising dividends over time when reinvesting capital gains?

Will future dividends each quarter be based solely on a dividend per share (aka each quarters stated dividend per share * 10,000) or are they based on the share price? The practical goal here is to see if her payments will slowly increase over time or if they will remain relatively static. Distribu...
by livesoft
Wed Sep 21, 2016 4:01 pm
Forum: Personal Consumer Issues
Topic: Help! How get our lost baggage back in Munich
Replies: 9
Views: 794

Re: Help! How get out lost baggage back im Munich

I cannot help, but when friends have lost luggage, they learned the meaning of "travel light" and never had to check luggage again. So there is a good thing that will come out of this. Please look at the bright side. :)
by livesoft
Wed Sep 21, 2016 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation for a large taxable account at 28% bracket
Replies: 6
Views: 749

Re: Allocation for a large taxable account at 28% bracket

For the 85% stocks, would you just get VTI (total US) and VFWAX/VEU since these are reliable and fairly tax-efficient? Yes. 2. If you are just going to buy index funds once a year or so, is Scottrade ok as a brokerage? No. Paying any commissions or fees is not required anymore and should be avoided...
by livesoft
Wed Sep 21, 2016 3:49 pm
Forum: Personal Consumer Issues
Topic: Stop-over or side trip to or from Australia
Replies: 8
Views: 570

Re: Stop-over or side trip to or from Australia

We have seen most of Australia and NZ. So you are the world traveler and asking for advice on where to go? :) Have you been to Uluru which is often avoided by Australians themselves? Beijing or some other city in China is probably more exotic than anything in Singapore or Malaysia. Where have you N...
by livesoft
Wed Sep 21, 2016 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Recommendation on Tax Preparation Software
Replies: 26
Views: 1748

Re: Recommendation on Tax Preparation Software

^Download versions that I have used let one print out selected forms with your numbers, so that one can lay out hardcopies of the various "What if?" scenarios, too. I've never used online-only tax software, so I am not sure if it can do the same thing. Also download versions don't run on y...
by livesoft
Wed Sep 21, 2016 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Baby deals
Replies: 43
Views: 2431

Re: Baby deals

There is an entire industry that sells stuff that babies don't need to parents who have money. As already noted, just get free stuff from friends and family and used stuff at thrift stores. About the only things one really needs to pay for are diapers and formula and even formula can often be avoide...
by livesoft
Wed Sep 21, 2016 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Bond Question
Replies: 3
Views: 397

Re: Rebalancing Bond Question

Yes, of course you can do that. But what is your marginal income tax bracket? Are muni bonds even worthwhile for you? You can also do some market timing: More bonds in Roth when [you think] equities are going down and 100% equities in Roth when [you think] equites are going up. Or easier: More equit...
by livesoft
Wed Sep 21, 2016 2:45 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on TIAA Traditional and TIAA Real Estate given my AA?
Replies: 20
Views: 1624

Re: Thoughts on TIAA Traditional and TIAA Real Estate given my AA?

FWIW, I have an old 403(b) with TIAA that is a little more than 10% of our total portfolio value nowadays. It is invested in TIAA Real Estate and the TIAA traditional annuity paying 3% minimum very much like the OP proposes to do. I have finished with a transfer payout annuity so I have no more liqu...
by livesoft
Wed Sep 21, 2016 2:09 am
Forum: Personal Consumer Issues
Topic: Ideas for adult brothers vacation
Replies: 24
Views: 1720

Re: Ideas for adult brothers vacation

@coalcracker, are you thinking of something like the movie City Slickers?
by livesoft
Tue Sep 20, 2016 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones exodus from American Funds?
Replies: 52
Views: 4004

Re: Edward Jones exodus from American Funds?

I doubt it would cause a "crash" since the fund NAVs are based on the stocks held by the fund. Since selling an American fund and buying another fund from a different vendor will just move the stocks from column A to column B, this will have virtually no influence on the prices of the unde...
by livesoft
Tue Sep 20, 2016 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Question
Replies: 2
Views: 396

Re: Credit Card Question

Nothing would happen. I have credit cards that I have never ever made a single charge on. They just sit there. Now I have heard that sometimes issuers will close an inactive card. I suppose that is good if one is paying an annual fee for a card, but I also think that issuers that charge an annual fe...
by livesoft
Tue Sep 20, 2016 8:42 pm
Forum: Personal Consumer Issues
Topic: Ideas for adult brothers vacation
Replies: 24
Views: 1720

Re: Ideas for adult brothers vacation

I was thinking that going to NYC could be quite adventuresome. Get tickets to a few shows, check out a few bars, spectate some football, and all the other stuff, too.
by livesoft
Tue Sep 20, 2016 4:45 pm
Forum: Personal Consumer Issues
Topic: Idea for an App ?
Replies: 7
Views: 764

Re: Idea for an App ?

I've seen lots of requests for an "App" to access bogleheads.org. :)
by livesoft
Tue Sep 20, 2016 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: IRA ETF Portfolio Thoughts
Replies: 8
Views: 461

Re: IRA ETF Portfolio Thoughts

The choices of ETFs are rather odd to me. I have accounts at TDAmeritrade and use the following ETFs there: VTI VBR / IJS VEU / VEA VSS BND / AGG / VCSH and occasionally VNQ. I'm surprised that only one of the ETF I own overlaps with what the OP suggested. I suggest one develop an asset allocation p...
by livesoft
Tue Sep 20, 2016 4:24 pm
Forum: Personal Consumer Issues
Topic: Cities like New Orleans?
Replies: 112
Views: 5196

Re: Cities like New Orleans?

I've been thinking for a while that there's not really any places within the U.S. I'd like to retire to long-term, but came across New Orleans and was wondering if there are any other places like that. I've never visited but have done a lot of reading or.... We can write and talk about New Orleans ...
by livesoft
Tue Sep 20, 2016 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Education cost and kids
Replies: 64
Views: 4505

Re: Education cost and kids

I have two kids, one out of college and one still in college. One graduated from a very expensive private school and is fully launched and out on her own. The other attends a cheap in-state public university. From those experiences and those of their friends and of my nephews and nieces that did go ...
by livesoft
Tue Sep 20, 2016 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Strategies to reduce illogical worries?
Replies: 36
Views: 2502

Re: Strategies to reduce illogical worries?

^One could do that with private placement, couldn't they? There is quite a lot of private equity money sloshing around looking for a home. But the firms that have that money are more discerning with their investments. The general investing public is more emotional, so IPOs are more suited for the Gr...
by livesoft
Tue Sep 20, 2016 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Strategies to reduce illogical worries?
Replies: 36
Views: 2502

Re: Strategies to reduce illogical worries?

Here's what I learned about IPOs a long time ago: If the business was profitable and the future looked certain, then there was no reason to do an IPO. The founders and initial investors would just keep all the profits to themselves. If there were doubts about the future of the business, then an IPO ...
by livesoft
Tue Sep 20, 2016 2:01 pm
Forum: Investing - Theory, News & General
Topic: ETF vs. Mutual Fund
Replies: 21
Views: 1131

Re: ETF vs. Mutual Fund

MrNewEngland wrote:I bank at BoA/ML so I can't buy the Admiral shares. Kinda sad but that's still my logic to buy the ETFs.

Hmmm. You cannot buy the Admiral shares? That conflicts somewhat with some of the statements in this thread today.
by livesoft
Tue Sep 20, 2016 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Location Withdrawal Question
Replies: 12
Views: 1022

Re: Asset Location Withdrawal Question

While you may be less confident of muni bonds, you probably would not have to own very much of such a fund in a taxable account if you tax-deferred accounts were mostly bond funds or if you were in a low tax bracket and muni bonds do not make sense. If you were in a low tax bracket and had both a sh...
by livesoft
Tue Sep 20, 2016 1:31 pm
Forum: Investing - Theory, News & General
Topic: ETF vs. Mutual Fund
Replies: 21
Views: 1131

Re: ETF vs. Mutual Fund

I buy ETFs because they have the lower expense ratios. Is this wrong? It is not wrong, but it is also not quite correct. The expense ratios of Vanguard Admiral-share-class funds are usually the same as the ETF share class. Check it out. Also the difference in expense ratio between the Vanguard Inve...
by livesoft
Tue Sep 20, 2016 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Recommendation on Tax Preparation Software
Replies: 26
Views: 1748

Re: Recommendation on Tax Preparation Software

It should be mentioned that TurboTax has perennial issues with their marketing of TurboTax because It comes in several flavors that are confusing to people trying to make decisions. Intuit likes it that way and appears to do this all on purpose in order to have people pay more for TurboTax for featu...
by livesoft
Tue Sep 20, 2016 10:05 am
Forum: Personal Consumer Issues
Topic: Yellowstone Short visit in September - advice?
Replies: 13
Views: 1437

Re: Yellowstone Short visit in September - advice?

We're just back from several days in Yellowstone and Grand Teton National Parks, so I thought I would add some comments to this thread. We were fortunate to have friends working in YNP and were able to stay with them and make use of their intimate knowledge of the park. This time in September after ...
by livesoft
Tue Sep 20, 2016 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Holding Admiral Shares with ML Edge
Replies: 25
Views: 2016

Re: Holding Admiral Shares with ML Edge

It clearly proves admiral shares can be held outside Vanguard, but the question is, which ones, and under what circumstances. Any insights, "livesoft"? (I was wondering about some of the popular admiral index ones. I know I can convert to ETF but was wondering if that can be avoided.) I d...
by livesoft
Tue Sep 20, 2016 9:12 am
Forum: Investing - Theory, News & General
Topic: ETF vs. Mutual Fund
Replies: 21
Views: 1131

Re: ETF vs. Mutual Fund

I prefer both. I use both. Mutual funds at Vanguard for bond funds my tax-advantaged accounts and automatically re-invested dividends. Mutual funds are especially good for accounts in "set-and-forget" mode such as IRAs that no longer receiver contributions and 401(k) plans that receive per...
by livesoft
Mon Sep 12, 2016 4:54 pm
Forum: Personal Consumer Issues
Topic: Recommend me an odorless antimicrobial surface cleaner for work
Replies: 16
Views: 948

Re: Recommend me an odorless antimicrobial surface cleaner for work

Vodka or ethanol would work fine. No scents after it evaporates.
by livesoft
Mon Sep 12, 2016 10:22 am
Forum: Investing - Theory, News & General
Topic: Jason Hsu and William Bernstein Like Overbalancing
Replies: 10
Views: 1421

Re: Jason Hsu and William Bernstein Like Overbalancing

I think one has to market time one's overbalancing moves. And think about it: Suppose one overbalances by 10% into equities and equities go up 10%. That's an extra 1% performance. And don't forget that one will not market time perfectly, so sometimes things will go up less and sometimes things will ...
by livesoft
Sat Sep 10, 2016 11:26 pm
Forum: Investing - Theory, News & General
Topic: The Fidato Group (retirement seminar)
Replies: 23
Views: 1817

Re: The Fidato Group (retirement seminar)

Here is the earlier thread I mentioned: viewtopic.php?t=174337

The "Class" is actually sold to many financial advisors as a marketing tool. See this post: viewtopic.php?p=2633837#p2633837
by livesoft
Sat Sep 10, 2016 4:59 pm
Forum: Investing - Theory, News & General
Topic: The Fidato Group (retirement seminar)
Replies: 23
Views: 1817

Re: The Fidato Group (retirement seminar)

These guys are trolling for clients. There was a thread about such groups that was quite eye opening.
by livesoft
Sat Sep 10, 2016 8:33 am
Forum: Investing - Theory, News & General
Topic: When is Ex-Dividend Date (VTI/VXUS)?
Replies: 11
Views: 1055

Re: When is Ex-Dividend Date (VTI/VXUS)?

I think it is an education of the client problem. In one link Vanguard writes about Declaration Date. In another Record Date. And then on the distribution tabs, Vanguard has yet more names of dates: ex-Dividend Date Reinvest Date Payable Date, and the previously mentioned Declaration Date is no wher...
by livesoft
Fri Sep 09, 2016 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Waterfront Lot in Florida - Worthless or Priceless?
Replies: 31
Views: 2317

Re: Waterfron Lot in Florida - Worthless or Priceless?

Sell the lot to the neighbors, but first tell them you are considering building a 4 story monstrosity which will block their views.
by livesoft
Fri Sep 09, 2016 2:44 pm
Forum: Investing - Theory, News & General
Topic: Wall St. Nuclear Meltdown
Replies: 62
Views: 8594

Re: Wall St. Nuclear Meltdown

mcraepat9 wrote:Livesoft RBD alert?!

It is a Friday. Also, did anybody notice that a few days ago some things were up more than. 2% in a single day?

So today just puts some prices back to where they were last week.
by livesoft
Fri Sep 09, 2016 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Gas station - good business?
Replies: 69
Views: 5377

Re: Gas station - good business?

I think the trick is to declare bankruptcy when the underground tanks leak and cause a minor environmental snafu.
by livesoft
Fri Sep 09, 2016 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Holding Admiral Shares with ML Edge
Replies: 25
Views: 2016

Re: Holding Admiral Shares with ML Edge

Question: Admiral shares of INDEX funds or Admiral shares of ACTIVELY-MANAGED funds or BOTH?
by livesoft
Fri Sep 09, 2016 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Waterfront Lot in Florida - Worthless or Priceless?
Replies: 31
Views: 2317

Re: Waterfron Lot in Florida - Worthless or Priceless?

furnace wrote:They don't want to sell because it's a special property emotionally and want to pass to the next generation.

And then the next generation will have this albatross around their neck. Maybe by then there will be vaccines for chikungunya, dengue, west nile, and zika viruses.
by livesoft
Fri Sep 09, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: Hurricane Hermine
Replies: 48
Views: 3530

Re: Hurricane Hermine

^Thanks for the news article.
by livesoft
Fri Sep 09, 2016 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Bought House - Tax question on Itemized deduction
Replies: 9
Views: 652

Re: Bought House - Tax question on Itemized deduction

You paid quite a lot of money for tax information from the IRS whether you use it or not, so here is IRS Publication for Homeowners: https://www.irs.gov/pub/irs-pdf/p530.pdf Study it and be ready for the test in a few weeks. After reading it, you should be able to answer all questions for new homeow...
by livesoft
Fri Sep 09, 2016 8:54 am
Forum: Personal Consumer Issues
Topic: Hailing runners and tech Bogleheads re:Apple watch 2
Replies: 26
Views: 1589

Re: Hailing runners and tech Bogleheads re:Apple watch 2

She is clearly waiting for you to get her a new smartphone.
by livesoft
Thu Sep 08, 2016 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Stock purchase questions
Replies: 17
Views: 1262

Re: Stock purchase questions

Based on your previous posts, you should never ever ever buy individual stocks. You should only buy some shares of the following 3 ETFs (exchange traded funds): VTI VXUS BND I will let you research them. You can lose money with all three of them. Oh, please do the research before buying any of them ...
by livesoft
Thu Sep 08, 2016 6:37 pm
Forum: Personal Consumer Issues
Topic: Heart rate monitor options
Replies: 15
Views: 1077

Re: Heart rate monitor options

My friend just has an app on his phone that does the live tracking. Whenever he starts a bike ride, I get an e-mail with a link to see his progress. That way, I can go out bike riding and rendezvous with him. His spouse can also find his last known position, too, just in case. An e-mail is sent when...
by livesoft
Thu Sep 08, 2016 3:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage will not convert mutual fund to ETF
Replies: 57
Views: 4064

Re: Vanguard brokerage will not convert mutual fund to ETF

Sorry, I have to ask: Was it really hell? C'mon, really? I didn't think I was that bad on getting you to work through this. This article is pertinent: http://www.nytimes.com/2014/07/06/fashion/social-media-some-susceptible-to-internet-outrage.html Enjoy! Ultimately, Internet outrage is the milquetoa...
by livesoft
Thu Sep 08, 2016 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: admiral shares Vs. investors shares
Replies: 9
Views: 1209

Re: admiral shares Vs. investors shares

A gallon of milk is 128 ounces.
A quart of milk is 32 ounces.

If I have a gallon of milk, does it matter if I have it in a gallon jug or four quart-size containers?
by livesoft
Thu Sep 08, 2016 1:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage will not convert mutual fund to ETF
Replies: 57
Views: 4064

Re: Vanguard brokerage will not convert mutual fund to ETF

Congratulations. I am glad you got this taken care of.
by livesoft
Thu Sep 08, 2016 1:43 pm
Forum: Personal Consumer Issues
Topic: Water turned off in building-urgent! [Problem Resolved]
Replies: 39
Views: 2171

Re: Water turned off in building-urgent!

I'm not sure people empathize with how difficult it is to do things ahead of time or get to lower priority tasks when you're dealing with serious medical problems. Things that would be mere inconveniences become magnified. That's true, but wasting time on the internet is not going to be helpful eit...
by livesoft
Thu Sep 08, 2016 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: New money
Replies: 15
Views: 1685

Re: New money

Market and bonds are high. This is really not true for everything. For instance, Vanguard Total Int'l Stock Index fund has a 2.75% average annual performance over the past 3 years. And that's after going up 5% in the past 6 weeks. You do know that markets and bonds spend a significant fraction of t...
by livesoft
Thu Sep 08, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Water turned off in building-urgent! [Problem Resolved]
Replies: 39
Views: 2171

Re: Water turned off in building-urgent!

So given what you wrote, I would think you would have an emergency fund always on hand consisting of water stored away just for these emergencies. Maybe a 6-flushes supply or more? Also practice using it. I am serious.
by livesoft
Thu Sep 08, 2016 10:45 am
Forum: Personal Consumer Issues
Topic: Water turned off in building-urgent! [Problem Resolved]
Replies: 39
Views: 2171

Re: Water turned off in building-urgent!

The health department is a good call, but really don't you think it is a waste of time? What are they going to do to solve the problem? What can they do? If the tenants knew the water was going to be off, they should have prepared by filling bath tubs, so that they would have water to flush. For coo...
by livesoft
Thu Sep 08, 2016 8:39 am
Forum: Personal Finance (Not Investing)
Topic: J.P. Morgan minimum relationship
Replies: 2
Views: 320

Re: J.P. Morgan minimum relationship

In other old news (from bloomberg http://www.bloomberg.com/news/articles/2015-12-18/jpmorgan-pays-267-million-to-settle-conflict-of-interest-claims) JPMorgan Chase & Co. will pay more than $300 million to settle U.S. allegations that it didn’t properly inform clients about what the Securities an...
by livesoft
Thu Sep 08, 2016 12:20 am
Forum: Investing - Help with Personal Investments
Topic: Looking for safe ETFs for 200K cash sitting in brokerage accounts.
Replies: 32
Views: 2624

Re: Looking for safe ETFs for 200K cash sitting in brokerage accounts.

It is not safe, but maybe you can purchase a fund that shorts the market. How about TMV?

Full disclosure: I think that anybody that buys TMV will lose their shirt, shoes, and shorts.

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