Search found 48663 matches

by livesoft
Tue Aug 30, 2016 4:52 pm
Forum: Investing - Theory, News & General
Topic: ETF Premium/Discount
Replies: 11
Views: 683

Re: ETF Premium/Discount

I thought bid/ask spread was always split 50/50? Definitely not true. Judicious use of limit orders and real-time level II quotes will let one do this. Also, there is no bid/ask spread if a trade occurs at the opening cross. For starters, you may wish to read this thread: https://www.bogleheads.org...
by livesoft
Tue Aug 30, 2016 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: how fast to max out your 401(k) 18K in a given year?
Replies: 31
Views: 2043

Re: how fast to max out your 401(k) 18K in a given year?

It's a large company that matches 50% of every dollar up to the max. Not aware of a highly compensated employee clause, so either I don't qualify as a highly compensated employee (which is a strong possibility) or there isn't one. No ownership in the company. Appears - you are able to contribute 50...
by livesoft
Tue Aug 30, 2016 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Good School District or Private School?
Replies: 50
Views: 1990

Re: Good School District or Private School?

It's more fun to ask random internet strangers :). Most of our friends don't have school-age children yet. I asked my spouse where our friends sent their kids to school. Four different couples sent their kids to St John's. One couple to Kinkaid, and another to Carnegie Vanguard High School. I guess...
by livesoft
Tue Aug 30, 2016 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: zero-dividend investing in taxable account
Replies: 31
Views: 2621

Re: zero-dividend investing in taxable account

I've wondered about this topic too.. the total stock fund is considered "tax efficient" relative to other investments but Vanguard's site is already showing me over 3k in QDI for VTSAX year to date, which will translate to a few hundred in dividend taxes and inflate my AGI. I don't have a...
by livesoft
Tue Aug 30, 2016 1:17 pm
Forum: Personal Consumer Issues
Topic: Thank you gift for someone with everything
Replies: 14
Views: 819

Re: Thank you gift for someone with everything

I would suggest something that removes the "hassle-factor." So if they had a favorite restaurant that they took you out to, then a gift card to that restaurant would be nice. Or maybe they expressed an interest in a concert or play, but it would be a hassle to get tickets. You get the tick...
by livesoft
Tue Aug 30, 2016 12:43 pm
Forum: Personal Consumer Issues
Topic: Eating Healthy/Meals for One
Replies: 63
Views: 3932

Re: Eating Healthy/Meals for One

V1RTUS wrote:..., I'm 28.

Don't worry, time will cure that and your eating habits.
by livesoft
Tue Aug 30, 2016 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Good School District or Private School?
Replies: 50
Views: 1990

Re: Good School District or Private School?

What about just east and west of memorial park? Are those decentry options? The wife works by the galleria and I work downtown. Surely, you have many friends and colleagues with children who can tell you about the schools in those locations. A friend of mine decided to send their kid to a boarding ...
by livesoft
Tue Aug 30, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: Eating Healthy/Meals for One
Replies: 63
Views: 3932

Re: Eating Healthy/Meals for One

The thing I get from this thread is most of the people here must eat significantly less than I do. I have the opposite problem, how do I afford to feed myself whole foods and save for retirement... Answer: You start a new thread which shows your grocery purchases and what you are eating each meal. ...
by livesoft
Tue Aug 30, 2016 11:05 am
Forum: Personal Consumer Issues
Topic: How Does Your money Make Money?
Replies: 30
Views: 2990

Re: How Does Your money Make Money?

I work on the flip side: I ask "How does my money lose money?" Then I plug the leaks.
by livesoft
Tue Aug 30, 2016 11:02 am
Forum: Investing - Help with Personal Investments
Topic: $50M+ - Need a sounding board/advice
Replies: 135
Views: 11467

Re: $50M+ - Need a sounding board/advice

funny if you write a post saying "$50k need advice" you'll get a handful of comments. Ask for advice on $50 MM and suddenly everyone is an expert?! I agree, I asked for assistance with my portfolio a couple of months ago,( high six figures), probably similar to most Bogleheads portfolios ...
by livesoft
Tue Aug 30, 2016 10:52 am
Forum: Personal Consumer Issues
Topic: Eating Healthy/Meals for One
Replies: 63
Views: 3932

Re: Eating Healthy/Meals for One

If your supermarket has a salad bar, you can purchase extremely small quantities of everything there already prepped for cooking - lettuce and salad fixings, but often veggies as well. Salad bars items are usually much more expensive than buying the same things in the fresh produce section. For ins...
by livesoft
Tue Aug 30, 2016 10:48 am
Forum: Investing - Theory, News & General
Topic: Feelings/Sentiments about Recession
Replies: 34
Views: 1853

Re: Feelings/Sentiments about Recession

Grt2bOutdoors wrote:What about silver?

I never heard of a silverfoil hat. It would probably work, but would be more expensive and tarnish easily.
by livesoft
Tue Aug 30, 2016 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Newbie new question: How did an ETF perform?
Replies: 4
Views: 232

Re: Newbie new question: How did an ETF perform?

Did you reinvest the dividends back into the same ETFs? I think if you did, then the "Personal Performance" on the Vanguard web site would be more or less correct. If you spent the dividends, then I don't know what the personal performance would have.
by livesoft
Tue Aug 30, 2016 7:58 am
Forum: Investing - Theory, News & General
Topic: Feelings/Sentiments about Recession
Replies: 34
Views: 1853

Re: Feelings/Sentiments about Recession

andy2012 wrote:I am not gonna put a penny in stock market right now except Gold and Gas

What about Tin?

Here is a place where investors who like Oil & Gas whoop it up: http://www.early-retirement.org/forums/ ... 74689.html
by livesoft
Tue Aug 30, 2016 7:32 am
Forum: Forum Issues and Administration
Topic: It'd Help Keep Inbox Uncluttered If PMs (Like Emails) Held Entire Message History Even After Deleting Earlier PMs
Replies: 2
Views: 131

Re: It'd Help Keep Inbox Uncluttered If PMs (Like Emails) Held Entire Message History Even After Deleting Earlier PMs

One can create new "boxes" or "folders" and move old messages to them. While each box has a limit to the number of messages, one is not limited to the default boxes.
by livesoft
Mon Aug 29, 2016 11:44 pm
Forum: Investing - Theory, News & General
Topic: Feelings/Sentiments about Recession
Replies: 34
Views: 1853

Re: Feelings/Sentiments about Recession

It happened a while ago. With unemployment low, job growth up, wage growth up, and GDP doing great, my feeling is that recession is not happening in a while. Something to read on the subject: https://www.federalreserve.gov/econresdata/notes/feds-notes/2016/which-market-indicators-best-forecast-reces...
by livesoft
Mon Aug 29, 2016 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Managing a windfall: DIY or hire an advisor?
Replies: 43
Views: 3503

Re: Managing a windfall: DIY or hire an advisor?

DoctorStrange wrote:Why Smart People Do Stupid Things With Money

Is that a rip-off poser for "Why Smart People Make Big Money Mistakes" by Belsky and Gilovich?
by livesoft
Mon Aug 29, 2016 10:43 pm
Forum: Personal Consumer Issues
Topic: Hawaii anniversary trip suggestions
Replies: 23
Views: 1595

Re: Hawaii anniversary trip suggestions

We are leaning toward staying in Wailea, probably at a hotel (DW is nervous about condos/VBRO for unclear reasons). The first time we went to Maui, we took too much stuff. The 2nd time we rented the exact same condo as the first time. It came with an inexpensive rental car and free parking. Since I...
by livesoft
Mon Aug 29, 2016 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Good School District or Private School?
Replies: 50
Views: 1990

Re: Good School District or Private School?

We are looking to keep the commute times at around 20 minutes or less in peak traffic (generally speaking), so within 5 or 6 miles or so. I'm not deadset on buying either, but it's hard to convince the wife to continue living in a 900 sqft apartment for 8 or 9 years (using the upper end of your ran...
by livesoft
Mon Aug 29, 2016 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Efficient Fund Placement
Replies: 1
Views: 231

Re: Tax Efficient Fund Placement

That whitecoat link does not even talk about tax-deferred, so you have some misinformation already. This topic is luke-warmly debated and there are threads almost every week on the subject. How international fits into your scheme will depend on your personal taxes. The conventional wisdom does not a...
by livesoft
Mon Aug 29, 2016 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Good School District or Private School?
Replies: 50
Views: 1990

Re: Good School District or Private School?

I think in Houston, the commuting times would be way more important than the school district. So what would the commuting times to work AND school be? I know Houston families that have done public and that have done private. It seems commuting times and expected resale values are the most important ...
by livesoft
Mon Aug 29, 2016 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: OK to use Muni Fund in Taxable if still room in IRA for bonds?
Replies: 9
Views: 581

Re: OK to use Muni Fund in Taxable if still room in IRA for bonds?

Define what YOU mean by "OK" please.

I think it is "OK" by my definition, but I would not do it myself because it is probably not "optimal" by my definition. :)
by livesoft
Mon Aug 29, 2016 7:57 pm
Forum: Investing - Theory, News & General
Topic: ETF Premium/Discount
Replies: 11
Views: 683

Re: ETF Premium/Discount

Therefore, only when (if ever) you sell the VWO shares will you be subject to the bid/ask spread. You probably meant premium/discount. :) As for bid/ask spread ... one could sell at the opening cross. Or one could make the other party to the transaction pay the full spread. :twisted: VWO probably h...
by livesoft
Mon Aug 29, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: Eating Healthy/Meals for One
Replies: 63
Views: 3932

Re: Eating Healthy/Meals for One

OK, I'll bite. Why do people say that it's better to eat raw fruits than drink fruit juices or fruit smoothies then? If you mash up the fruits (like crushing garlic to release the enzymes), and don't add any nasty stuff like sugar, wouldn't it be better? I like the pun. :) I don't know why people s...
by livesoft
Mon Aug 29, 2016 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Stock trade commissions misleading
Replies: 15
Views: 1293

Re: Vanguard Stock trade commissions misleading

I moved money from Vanguard because of even less frustration. Good luck getting this sorted out.
by livesoft
Mon Aug 29, 2016 4:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: I think I found Rick Ferri
Replies: 41
Views: 5865

Re: I think I found Rick Ferri

Alright, now forum members can start stalking Rick Ferri. Sightings MUST be documented by photos posted in this thread. Maybe an award can be given at each annual Bogleheads conference for most sightings separated by at least 50 miles each year? I do hope to meet them again ... out on the road. It l...
by livesoft
Mon Aug 29, 2016 4:35 pm
Forum: Investing - Theory, News & General
Topic: In what order should I read these books?
Replies: 27
Views: 1769

Re: In what order should I read these books?

I've read some of them. I would not read all of them. Here is an order that I would suggest, but I have no particular reasoning other than the first thing you read will probably be forgotten by the time you get to the last thing you will read before you invest. And some of the books will not help yo...
by livesoft
Mon Aug 29, 2016 3:53 pm
Forum: Personal Consumer Issues
Topic: My beloved Subaru just bit the dust...now what?
Replies: 27
Views: 2534

Re: My beloved Subaru just bit the dust...now what?

A 2000 Subaru Legacy wagon for another $1200?
by livesoft
Mon Aug 29, 2016 2:40 pm
Forum: Investing - Theory, News & General
Topic: Myopic loss aversion helps explain the equity premium puzzle
Replies: 13
Views: 1277

Re: Myopic loss aversion helps explain the equity premium puzzle

I don't get the description of the research. If an investor evaluates frequently AND rebalances frequently, does that not mean that investor is buying more equities when equities have losses in order to maintain (i.e. rebalance back to) their asset allocation? It would also mean that the investor is...
by livesoft
Mon Aug 29, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Eating Healthy/Meals for One
Replies: 63
Views: 3932

Re: Eating Healthy/Meals for One

Freezing quickly minimizes interior ice crystal formation, minimizing damage done in the freezing process. Damage done in the freezing process? I'll agree that interior ice crystal formation causes expansion and can break cell walls and organelles, but so what? This would just make the nutrients mo...
by livesoft
Mon Aug 29, 2016 12:46 pm
Forum: Investing - Theory, News & General
Topic: RBD fans, Dan Wiener has news! [Really Bad Day]
Replies: 26
Views: 2912

Re: RBD fans, Dan Wiener has news! [Really Bad Day]

I want to reemphasize that this article is pretty dumb. The title touts a 81% success rate as if this is an impressive accomplishment, but doesn't demonstrate that it actually is. [...] Now we are getting somewhere. Thank goodness someone else read the piece critically. I sure hope you submit your ...
by livesoft
Mon Aug 29, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: Eating Healthy/Meals for One
Replies: 63
Views: 3932

Re: Eating Healthy/Meals for One

Livesoft , in regards to your suggestion about eating two pieces of pizza for dinner, seriously? We order two large pizzas I eat one and my wife eats four or five pieces. I am 5'10" and 150 lb ecto/mesomorph and wife is not overweight either. YB Yes, seriously, I am taller than you and weigh l...
by livesoft
Mon Aug 29, 2016 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Can I use Spec ID
Replies: 5
Views: 272

Re: Can I use Spec ID

Since i didn't track my individual purchases does this mean I can't use spec ID for selling You can use Spec ID for selling if you tell Vanguard to set the cost basis to Specific Identification. BUT ... YOU are responsible for determining your cost basis for the so-called non-covered shares. Can yo...
by livesoft
Mon Aug 29, 2016 7:09 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review, assistance with transitioning funds/bonds in taxable, and possible wash sale?
Replies: 8
Views: 375

Re: Portfolio review, assistance with transitioning funds/bonds in taxable, and possible wash sale?

Did you post this information in a prior thread of yours? Yes, easily found with a forum search: https://www.bogleheads.org/forum/viewtopic.php?t=179414 Putting aside my concerns on the wash sale, are there any opinions on my first question regarding bonds in taxable considering my current tax brac...
by livesoft
Mon Aug 29, 2016 7:05 am
Forum: Investing - Help with Personal Investments
Topic: Lazy portfolio adjustments
Replies: 11
Views: 743

Re: Lazy portfolio adjustments

edan, so you have this portfolio of all these ETFs and you "want a lazy portfolio that diversifies into as many broad categories of uncorrelated asset classes as possible, with minimal fees. " Do you actually make use of "uncorrelated asset classes"? Very specifically, how many r...
by livesoft
Mon Aug 29, 2016 6:45 am
Forum: Investing - Theory, News & General
Topic: RBD fans, Dan Wiener has news! [Really Bad Day]
Replies: 26
Views: 2912

Re: RBD fans, Dan Wiener has news! [Really Bad Day]

How do you know a really bad day won't turn into a really bad week followed by a really bad month followed by a really bad 2-5 years? One never knows. But so what? That apparently turns out to be the case less than 19% of the time. :) One cannot predict the future. Nevertheless, there are expectati...
by livesoft
Sun Aug 28, 2016 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Charged Interest At Time of Conversion Fromn American Express
Replies: 10
Views: 575

Re: Fidelity Visa Charged Interest At Time of Conversion Fromn American Express

whodidntante wrote:It showed up on my "posted" transactions as:
08/09/16 INTEREST CHARGE ON PURCHASES

I can see the posted transactions by logging in to fidelity.com.

Thanks. I see posted transactions and do not have any such transactions, so I guess I'm good to go.
by livesoft
Sun Aug 28, 2016 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Charged Interest At Time of Conversion Fromn American Express
Replies: 10
Views: 575

Re: Fidelity Visa Charged Interest At Time of Conversion Fromn American Express

So then with no statement, where does the "Charged Interest" show up? As a pending transaction?
by livesoft
Sun Aug 28, 2016 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Charged Interest At Time of Conversion Fromn American Express
Replies: 10
Views: 575

Re: Fidelity Visa Charged Interest At Time of Conversion Fromn American Express

I cannot see any statemens online and they have not sent me a statement in the mail. Does anybody have that problem? I guess I will call them up.
by livesoft
Sun Aug 28, 2016 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house near church
Replies: 65
Views: 4248

Re: Buying house near church

Churches get sold and torn down and other things get built. Or they expand. What you see today is not what will be there in 10 years.

I would not buy that house.
by livesoft
Sun Aug 28, 2016 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with munis in taxable after we retire?
Replies: 7
Views: 629

Re: What to do with munis in taxable after we retire?

I suppose that one's tax-deferred accounts are all bonds and Roths are equities. I suppose one could sell all muni bond fund shares with losses and buy taxable bond fund shares. That is, after consideration of the tax rates. One could also make gifts of appreciated shares consistent with maintaining...
by livesoft
Sun Aug 28, 2016 8:36 pm
Forum: Investing - Theory, News & General
Topic: RBD fans, Dan Wiener has news! [Really Bad Day]
Replies: 26
Views: 2912

Re: Market Timing and What Experts Say

livesoft would be sure to point out that it is only market timing if you lose money more than you gain it. Yep, but I also want to point out that what Taylor Larimore wrote is completely true and I agree with it. These articles do appeal to market timers. A question is: How can one make use of RBDs...
by livesoft
Sun Aug 28, 2016 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Investment for Minor
Replies: 9
Views: 473

Re: Investment for Minor

My kids started Roth IRAs with their summer earnings. Target Retirement fund for one and the Fidelity 4-in-1 index fund for the other.
by livesoft
Sun Aug 28, 2016 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: B&M banking - heading the way of record stores, what to do
Replies: 43
Views: 1939

Re: B&M banking - heading the way of record stores, what to do

OK, but there is a thread going about "Yes, you can be too conservative."
by livesoft
Sun Aug 28, 2016 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: $50M+ - Need a sounding board/advice
Replies: 135
Views: 11467

Re: $50M+ - Need a sounding board/advice

I suggest that you Brown Brothers Harriman directly as I am not employed by them - https://www.bbh.com/en-us. Thanks, I assumed you might be a client or knew clients. The web site is typical boiler plate stuff and gives no insights. I read "The Big Short" and watched the movie. I know som...
by livesoft
Sun Aug 28, 2016 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tax gain harvesting for kids' UTMA accts
Replies: 8
Views: 408

Re: Tax gain harvesting for kids' UTMA accts

we sold our home at a $21k capital loss (after 7 years of ownership). Will that help offset having to report these gains? I doubt it. Since cap gains would have been tax free, there is no ability to take a loss, but you can read about it quicker than I can type this: https://www.irs.gov/uac/what-if...
by livesoft
Sun Aug 28, 2016 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: $50M+ - Need a sounding board/advice
Replies: 135
Views: 11467

Re: $50M+ - Need a sounding board/advice

Brown Brothers Harriman or their ilk are where the upper level investor belongs. Not trying to "roll their own" with Bogleheads.org. I don't see a problm with BBH, but perhaps to help us out, how about specifically describing 3 different BBH deals or services that we can look up with goog...
by livesoft
Sun Aug 28, 2016 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: B&M banking - heading the way of record stores, what to do
Replies: 43
Views: 1939

Re: B&M banking - heading the way of record stores, what to do

Banks that have branches all over the place usually don't have good rates on deposits. Nobody has good rates on deposits anymore, so one should not keep cash in a savings account nor a checking account whether online or B&M. A good rate is something north of 5%. If you apply that requirement ac...
by livesoft
Sun Aug 28, 2016 6:49 pm
Forum: Personal Consumer Issues
Topic: Eating Healthy/Meals for One
Replies: 63
Views: 3932

Re: Eating Healthy/Meals for One

My biggest problem was vegetables. I ended up throwing a lot of it away when cooking for one. They turned bad before I could finish them all. That's a shopping problem and not a cooking problem. Do not be fooled into buying more than one will cook and eat even if they are on sale unless you know th...

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