Search found 52329 matches

by livesoft
Tue Feb 28, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Do Boglehead DIY or Pay a Professional?
Replies: 64
Views: 3418

Re: Do Boglehead DIY or Pay a Professional?

One of the most fundamental DIY tasks is cooking. How many of the DIY repair/maintenance people cook, and how many of the people who cook are also DIY repair/maintenance people? I am an excellent cook. Cooking is just like doing experiments in the biochem lab. I even know how to keep food fresher t...
by livesoft
Tue Feb 28, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: the tax pain of rebalancing
Replies: 2
Views: 110

Re: the tax pain of rebalancing

Maybe you don't have to pay any taxes because you itemize and donate to charity anyways. A deduction for a charitable donation can offset the income from capital gains. For instance, give away $5,000 of TSM and sell $8,000 of TSM. The $5,000 given away will increase your itemized deductions by $5,00...
by livesoft
Tue Feb 28, 2017 11:05 am
Forum: Investing - Theory, News & General
Topic: Fidelity drops equity trade fee to $4.95
Replies: 9
Views: 948

Re: Fidelity drops equity trade fee to $4.95

I'm a Fidelity customer since the 1980s and it makes no difference to me. It might be detrimental to many customers who didn't pay for trading at all because they used mutual funds and no-commission ETFs. Now they may be coaxed into actually paying a commission. The price drop seems more designed to...
by livesoft
Tue Feb 28, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Store Important Documents Online?
Replies: 2
Views: 104

Re: Store Important Documents Online?

Aren't most of your important documents already stored by the other parties to the documents? Other than wills, adoption papers, and passports, what else is not easily replaced or found elsewhere? Even copies of your wills should be in your lawyer's office, right? All our insurance documents are ava...
by livesoft
Tue Feb 28, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Electric Toothbrushes - again
Replies: 15
Views: 843

Re: Electric Toothbrushes - again

Hmmm, I need to upgrade so my toothbrush can call me to remind me to brush my teeth.
by livesoft
Tue Feb 28, 2017 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Ugh, why is buying a new car so painful?
Replies: 32
Views: 2952

Re: Ugh, why is buying a new car so painful?

Texanbybirth wrote:[...]The whole process took about 2 hours because I kept telling them we were about to walk out. [...]
... because I hate putting up with their crap, and it doesn't take long for them to figure it out. :annoyed

It reads like it took 2 hours for them to figure it out. :beer
by livesoft
Tue Feb 28, 2017 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Should I shift bonds from 401k to taxable?
Replies: 2
Views: 197

Re: Should I shift bonds from 401k to taxable?

1. No. That DODIX is a fine fund.

Bonus answer: It doesn't really matter.
by livesoft
Tue Feb 28, 2017 9:13 am
Forum: Personal Consumer Issues
Topic: Electric Toothbrushes - again
Replies: 15
Views: 843

Re: Electric Toothbrushes - again

I bought an Oral B at Target. My spouse bought a Sonicare at her dentist. Get whichever is cheaper. The technology hasn't changed in years. I'm pretty sure that Sonicare pays dentists some money. I'll bet OralB does as well.

And you still need to floss.
by livesoft
Tue Feb 28, 2017 9:07 am
Forum: Investing - Theory, News & General
Topic: Fidelity drops equity trade fee to $4.95
Replies: 9
Views: 948

Re: Fidelity drops equity trade fee to $4.95

So what? Lots of places have free trades for the things that one should want to buy. And that includes Fidelity.

In other words, $4.95 is still a rip off.
by livesoft
Tue Feb 28, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Grass trimmer
Replies: 23
Views: 446

Re: Grass trimmer

The motor is the easy thing OK, how do folks with string trimmers get the darn plastic string cord to feed and not break off all the time? And the string just tightens around the reel like an ace bandage around your ankle and jams. And these "bump feed" things wear out after a season, so t...
by livesoft
Tue Feb 28, 2017 7:26 am
Forum: Investing - Theory, News & General
Topic: Time to invest
Replies: 12
Views: 806

Re: Time to invest

learnfinance wrote:With that said is it good time to allocate that money?

Your story confirms pretty well that you certainly don't know. But that makes you just like everybody else. No one can predict the future of stock and bond markets, but some invest anyways.
by livesoft
Mon Feb 27, 2017 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Ugh, why is buying a new car so painful?
Replies: 32
Views: 2952

Re: Ugh, why is buying a new car so painful?

I don't understand why you didn't hang up after he didn't understand what you told him.
by livesoft
Mon Feb 27, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Sellers disclosure form has sections not marked
Replies: 25
Views: 1609

Re: Sellers disclosure form has sections not marked

... when the inspector found evidence of black mold. ... In the humid South, I would guess that every house exhibits evidence of black mold because it is part of the environment. There is mold everywhere: in your lawn, on your walkways, on the bricks, on your roof shingles, in your bathrooms, in yo...
by livesoft
Mon Feb 27, 2017 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to handle a 403(b) I can't rollover?
Replies: 2
Views: 161

Re: Best way to handle a 403(b) I can't rollover?

Pick the best options that go with your current asset allocation plan. What else would you do?
by livesoft
Mon Feb 27, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: standing water around house
Replies: 14
Views: 1041

Re: standing water around house

A civil engineer will come out and give you professional advice for the most cost effective solution for not too much money While that is probably true, I know a few civil engineers quite well. The ones I know prefer industrial scale projects and would just have their teenage son dig a small ditch ...
by livesoft
Mon Feb 27, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Question on AMT- Simplified Election Foreign Tax Credit
Replies: 11
Views: 1269

Re: Question on AMT- Simplified Election Foreign Tax Credit

Do you really have to deal with AMT this year? Really? Really really? If yes, then how to do you know? I think so, unless there's some other way to get the credit? There are many ways to get the credit as described in the instructions. I haven't paid AMT in years and years, yet I always get the ful...
by livesoft
Mon Feb 27, 2017 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Question on AMT- Simplified Election Foreign Tax Credit
Replies: 11
Views: 1269

Re: Question on AMT- Simplified Election Foreign Tax Credit

Do you really have to deal with AMT this year? Really? Really really? If yes, then how to do you know?
by livesoft
Mon Feb 27, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Help with 2016 taxes
Replies: 19
Views: 937

Re: Help with 2016 taxes

After a recharacterization, you can possibly do a Roth conversion. There are requirements for that, so don't do a conversion without understanding what you are doing. This would essentially be a so-called Back door Roth IRA conversion which is discussed muchly on the bogleheads.org forum and elsewhe...
by livesoft
Mon Feb 27, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Help with 2016 taxes
Replies: 19
Views: 937

Re: Help with 2016 taxes

icedtea wrote:I don't understand ....

Well, until one reads IRS Publication 590-A and understands it, I think I can agree with you.
by livesoft
Mon Feb 27, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: standing water around house
Replies: 14
Views: 1041

Re: standing water around house

Is this something a good inspector would have picked up? Difficult fix? Advice on next steps? I think it is something difficult for a good inspector to spot and is not difficult to fix as long as you do not create a problem for your neighbors. They will be pissed if your water floods their homes. T...
by livesoft
Mon Feb 27, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: moving & switching funds EJ -> Vanguard
Replies: 3
Views: 197

Re: moving & switching funds EJ -> Vanguard

I would say select "Do not reinvest." You can always change your selection at anytime, so what you select is not a big deal now. You can read up about all this: https://www.bogleheads.org/wiki/Reinvesting_dividends_in_a_taxable_account But you didn't say if this was a taxable account or an...
by livesoft
Mon Feb 27, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Help with 2016 taxes
Replies: 19
Views: 937

Re: Help with 2016 taxes

The short answer is to read the IRS instructions for the forms that TaxAct is filling out for you. Otherwise you will be forever in the dark when it comes to income taxes and totally dependent on the whims of tax software and other people. Medium answers: 1. I don't know. I've never seen that before...
by livesoft
Mon Feb 27, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Need Fidelity Bond Carrier
Replies: 1
Views: 140

Re: Need Fidelity Bond Carrier

I don't know if you need it, but when I was researching this, I got a quote from USAA. It was something unusual, but I found the person I eventually talked with very helpful.
by livesoft
Mon Feb 27, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: standing water around house
Replies: 14
Views: 1041

Re: standing water around house

Is this on all sides? That would be a big issue for me. If you have slab foundation (common in Texas), then one does not want the ground around the slab to dry out, but one also doesn't want water to be puddling either and standing either. For one thing, it will mean mosquitos around your house. Wha...
by livesoft
Mon Feb 27, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare/ACA and Early Retirement
Replies: 16
Views: 1002

Health insurance and Early Retirement

Actually, the article was quite interesting and discussed decent studies of a phenomena called "job lock." While this thread will get locked, it might be interesting to see by starting another thread how many Bogleheads are keeping their jobs and not retiring because they believe they will...
by livesoft
Mon Feb 27, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare/ACA and Early Retirement
Replies: 16
Views: 1002

Re: Obamacare/ACA and Early Retirement

Wellfleet wrote:Someone else will chime in but discussing potential law changes is not allowed on the Forum. Might try to rephrase question if you want useful answer.

There was no question, so there is no useful answer.
by livesoft
Mon Feb 27, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Understanding Tax-Efficient Fund Placement
Replies: 5
Views: 481

Re: Help with Understanding Tax-Efficient Fund Placement

I think what you put in your HSA depends on how you think you will use your HSA. One also has to be honest about it. I have my HSA mostly in a short-term corporate bond index fund and a savings account. The main reason is that when I started it, I intended to use it to pay for the high deductible pa...
by livesoft
Mon Feb 27, 2017 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Different risk tolerance for different accounts
Replies: 10
Views: 428

Re: Different risk tolerance for different accounts

Not me because I see that as mental accounting which is mostly emotional. Money is money. Perhaps you can get over this by learning about all the ways to access the various accounts in interesting ways. For instance, here is one way: https://www.bogleheads.org/wiki/Placing_cash_needs_in_a_tax-advant...
by livesoft
Mon Feb 27, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: High Expenses Company 401k
Replies: 1
Views: 173

Re: High Expenses Company 401k

Other thread on same subject:
viewtopic.php?t=205579

Wiki article:
Expensive 401(k)
by livesoft
Mon Feb 27, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: 100K gift for kids education...where to put it.
Replies: 24
Views: 1277

Re: 100K gift for kids education...where to put it.

"kids education" does not necessarily mean "college education", does it?
by livesoft
Mon Feb 27, 2017 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: "Borrow" $5500 from Emergency Fund to Qualify for Vanguard Admiral?
Replies: 31
Views: 3559

Re: "Borrow" $5500 from Emergency Fund to Qualify for Vanguard Admiral?

I don't think that having money invested every 2 weeks is any problem at all. I think quarterly is not often enough if the money is just going to sit in cash. I think that buying at the end of a RBD or "worst day" is not a bad thing to do as well.
by livesoft
Mon Feb 27, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on allocation in my slice and dice portfolio?
Replies: 4
Views: 202

Re: Thoughts on allocation in my slice and dice portfolio?

I would have VXUS and VSS split 50:50 or VEU:VSS split 50:50, so I would have more VSS (and indeed I do :) ) I would use VBR instead of VB. I would only use VOO as a TLH partner for VTI, so since this is a Roth IRA, I would not bother with VOO at all. US stocks would be VTI and VBR only, except for ...
by livesoft
Mon Feb 27, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Talking with parents' financial advisor
Replies: 52
Views: 4242

Re: Talking with parents' financial advisor

Ha! That was too easy.
by livesoft
Mon Feb 27, 2017 9:26 am
Forum: Investing - Theory, News & General
Topic: Total tax-deferred savings amounts, growth (looking for US stats)
Replies: 3
Views: 315

Re: Total tax-deferred savings amounts, growth (looking for US stats)

If $25 Trillion is 34% of household financial assets, then there is the other 66% or about $ 49 Trillion hanging around, too.
by livesoft
Mon Feb 27, 2017 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Need help analyzing a Fidelity Tax Managed SMA
Replies: 4
Views: 191

Re: Need help analyzing a Fidelity Tax Managed SMA

Since trades apparently are automated, they should be able to provide audited results for past years. One would want to know the results for at least 2014, 2015, 2016 and longer if necessary. This could easily be accomplished by Fidelity by giving you a 1099-DIV and 1099-B of the two different custo...
by livesoft
Mon Feb 27, 2017 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax and Form 1116
Replies: 2
Views: 259

Re: Turbo Tax and Form 1116

Give up on your dream of e-filing which is only a recent tax thing anyways.

It is helpful to read the Form 1116 instructions if you have not done so.

I am not sure if you are including ETFs in the RIC category. I did.
by livesoft
Mon Feb 27, 2017 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Simplified Capital Gains Reporting
Replies: 2
Views: 315

Re: Simplified Capital Gains Reporting

I'm not sure if it is well known, but HRBlock did this for me when I had to enter my WellsTrade transactions manually. The WT statement was superb and reported the transactions aggregated and not aggregated, however, HRBlock could not import from WellsTrade. I suppose a program that could import fro...
by livesoft
Mon Feb 27, 2017 6:48 am
Forum: Investing - Help with Personal Investments
Topic: tax efficiency advice for retirement withdrawals
Replies: 4
Views: 631

Re: tax efficiency advice for retirement withdrawals

Here is a thread about how to pay ZERO income taxes in retirement: https://www.bogleheads.org/forum/viewtopic.php?t=87471 that has lots of ideas. It is not unique since one can google "zero tax" and find many things to read. Almost all of them assume you know how to fill out your own tax r...
by livesoft
Sun Feb 26, 2017 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Household budget
Replies: 26
Views: 2287

Re: Household budget

I think folks don't understand that 34% taxes probably includes federal, state, FICA, medicare, and property taxes.
by livesoft
Sun Feb 26, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: Do Boglehead DIY or Pay a Professional?
Replies: 64
Views: 3418

Re: Do Boglehead DIY or Pay a Professional?

I still have to teach my kids how to fix things and do things, but once they are completely launched, I will probably pay to have some things done. It would be a real disservice to them if they didn't know how to fix a toilet, faucet, dishwasher, dryer, HVAC, take care of computer, a network, lawn, ...
by livesoft
Sun Feb 26, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Outdoor grill: gas or electric?
Replies: 51
Views: 2338

Re: Outdoor grill: gas or electric?

Gas provides a good backup if power is out during hurricane other seasons.
by livesoft
Sun Feb 26, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Used German Luxury vs New Japanese
Replies: 61
Views: 3935

Re: Used German Luxury vs New Japanese

A used Lexus is in the same range. :) And no maintenance nor repair costs to worry about. Besides, styling doesn't matter.
by livesoft
Sun Feb 26, 2017 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique my planned portfolio
Replies: 4
Views: 253

Re: Please critique my planned portfolio

Your proposed portfolio is well within the range of typical portfolios presented on this forum, so is fine.

VBMFX is not a world bond, but is a Total US Bond Market Index fund.
by livesoft
Sun Feb 26, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid paying penalty for getting too much of a refund?
Replies: 9
Views: 1047

Re: How to avoid paying penalty for getting too much of a refund?

I will bet that you don't even get the wrong refund you claimed anyways, so wait to see what you do get.
by livesoft
Sun Feb 26, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Schwab vs Zacks? Any experiences?
Replies: 40
Views: 1756

Re: Vanguard vs Schwab vs Zacks? Any experiences?

confusedinvestor wrote:Zacks told me here is what they will use as ETFs, Does this look good to you?

I guess they are OK, but I don't use but 2 of them and prefer other ones.
by livesoft
Sun Feb 26, 2017 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Please evaluate our situation
Replies: 44
Views: 2643

Re: Please evaluate our situation

rashad3000 wrote:Tax-wise, we usually break even.

I'm not sure what that means. I was writing about not having to pay ANY income tax.
by livesoft
Sun Feb 26, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Please evaluate our situation
Replies: 44
Views: 2643

Re: Please evaluate our situation

Are you using a flexible spending account for child care?

I would guess that you don't have to pay income taxes, is that right?
by livesoft
Sun Feb 26, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Schwab vs Zacks? Any experiences?
Replies: 40
Views: 1756

Re: Vanguard vs Schwab vs Zacks? Any experiences?

^Thanks. I saw that, but I really was looking for ticker symbols. I suppose then they will be the same as the Schwab ones.

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