Search found 49778 matches

by livesoft
Wed Dec 07, 2016 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Placement
Replies: 5
Views: 116

Re: Emergency Fund Placement

Very similar discussion started this week with links to standard things to read: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=204761 Lots of folks use a multi-tiered emergency fund. I'm sure you use one too: checking, credit cards, savings, whatever else you got. I'll ask a few psycholog...
by livesoft
Wed Dec 07, 2016 12:31 pm
Forum: Personal Consumer Issues
Topic: Car: new or CPO
Replies: 5
Views: 190

Re: Car: new or CPO

I suspect that you will end up giving away this car to the teens when they start driving and it will eventually be used by one of them after they graduate from high school, too. So plan ahead on what you think would be a good car for them to have.
by livesoft
Wed Dec 07, 2016 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Sort of a new question on college funding
Replies: 9
Views: 278

Re: Sort of a new question on college funding

I guess the other clarifying thing is the Cody and spouse will be older than 59.5 when grandkids are of college age? I'm all for maximizing retirement plans before doing any 529 plan contributions, so I see no issues with what Cody wants to do. One can make each Roth have a separate [secondary] bene...
by livesoft
Wed Dec 07, 2016 11:55 am
Forum: Investing - Theory, News & General
Topic: Is Vanguard having issues managing Total Bond Market?
Replies: 7
Views: 1440

Re: Is Vanguard having issues managing Total Bond Market?

Higher volatility means more opportunity to make money. Full disclosure: I own AGG, BND, FBIDX, VBMFX, and VBTLX. I have good reasons to owning all of them. Do you see any meaningful difference in returns? I don't think my answer is meaningful, so go with what nisiprius reported. Just got paid divi...
by livesoft
Wed Dec 07, 2016 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Sort of a new question on college funding
Replies: 9
Views: 278

Re: Sort of a new question on college funding

I can see how under the following circumstances one could move one's Roth IRA money to a grandchild's Roth IRA: 1. Grandchild has enough earned income to cover their Roth contribution. 2. You withdraw from your Roth IRA and get a 1099-R for that and put it on your tax return if needed (For instance,...
by livesoft
Wed Dec 07, 2016 9:17 am
Forum: Investing - Theory, News & General
Topic: Owning the market violates Clayton Antitrust act?
Replies: 24
Views: 1030

Re: Owning the market violates Clayton Antitrust act?

I am wondering what their motivation was for writing this piece. The authors have decent credentials, but what kind of potential conflicts of interest are behind the scenes? It took some time, research, and thought to put this together. So what do they get out of it? Current or future consulting fee...
by livesoft
Wed Dec 07, 2016 9:09 am
Forum: Investing - Theory, News & General
Topic: portfolio list reflects OLD prices
Replies: 1
Views: 136

Re: portfolio list reflects OLD prices

Contact the NYTImes. They have a feedback mechanism.

It is possible that you are the only forum member who uses this feature of the NYTimes.
by livesoft
Wed Dec 07, 2016 9:06 am
Forum: Investing - Help with Personal Investments
Topic: 529 safety
Replies: 2
Views: 161

Re: 529 safety

You can switch to low-paying CDs or you can increase equities or you can not worry about it.

In addition, when college comes around, there is no rule that says you have to use 25% of the 529 plan every year. You can use 0%, 25%, 100% or some other percent of your choosing each year.
by livesoft
Wed Dec 07, 2016 8:06 am
Forum: Investing - Theory, News & General
Topic: Is Vanguard having issues managing Total Bond Market?
Replies: 7
Views: 1440

Re: Is Vanguard having issues managing Total Bond Market?

Higher volatility means more opportunity to make money.

Full disclosure: I own AGG, BND, FBIDX, VBMFX, and VBTLX. I have good reasons to owning all of them.
by livesoft
Wed Dec 07, 2016 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Haste Makes Waste Lump Sum Investing
Replies: 35
Views: 3726

Re: Haste Makes Waste Lump Sum Investing

orca91 wrote:Keep 'em coming. I get a kick out of them.

One can CRO on a RBD, but still come up MT.
by livesoft
Wed Dec 07, 2016 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Retiring in a Decade after Graduation
Replies: 15
Views: 888

Re: Retiring in a Decade after Graduation

If you are going to retire in a decade after graduation, then I think you will need to not only max out 401(k) and Roth IRA contributions, but you will ALSO IN ADDITION need to save and invest AT LEAST an equal amount in a taxable account. Doing both will show your commitment to living like a pauper...
by livesoft
Wed Dec 07, 2016 7:37 am
Forum: Investing - Help with Personal Investments
Topic: (When) should I move from individual stocks to VTSAX?
Replies: 5
Views: 323

Re: (When) should I move from individual stocks to VTSAX?

One does not get a tax break for charitable giving unless one itemizes on Schedule A or does the QCD thing.
by livesoft
Wed Dec 07, 2016 7:34 am
Forum: Investing - Help with Personal Investments
Topic: ETF vs. index funds
Replies: 12
Views: 837

Re: ETF vs. index funds

Here are some things you can do with mutual funds: 1) Buy them at the market closing price, hold them for a long time, receive dividends from them which can be automatically reinvested in the fund, and sell them at the market-closing price. … In addition to nisiprius's list, It turns out that with ...
by livesoft
Wed Dec 07, 2016 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Haste Makes Waste Lump Sum Investing
Replies: 35
Views: 3726

Re: Haste Makes Waste Lump Sum Investing

You wrote only about the all-time highs, but what about the opportunities presented by those fantastic drops that occurred a few times in 2016? So, if it doesn't meet RBD territory we just call it a fantastic drop? :happy Sure, why not? But you gotta work on better marketing on that term and get a ...
by livesoft
Wed Dec 07, 2016 7:26 am
Forum: Investing - Help with Personal Investments
Topic: (When) should I move from individual stocks to VTSAX?
Replies: 5
Views: 323

Re: (When) should I move from individual stocks to VTSAX?

If these were 1% of my investable assets I would do something different than if they were more than 50% of my investable assets. The decision is not whether to sell ALL of these stocks, but when to start selling some of the shares and diversify into other equities and fixed income. NOW is a good tim...
by livesoft
Wed Dec 07, 2016 6:36 am
Forum: Investing - Help with Personal Investments
Topic: Haste Makes Waste Lump Sum Investing
Replies: 35
Views: 3726

Re: Haste Makes Waste Lump Sum Investing

So, if the market opened 2.6% lower than the previous day, then a RBD alert signal should sound in our heads :) ? If you mean by "RBD alert signal" that one's spidey senses should be tingling, then yes. D does stand for day. I think everybody realizes that the Vanguard S&P 500 index f...
by livesoft
Tue Dec 06, 2016 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Determining cost basis in taxable account - "uncovered" shares
Replies: 10
Views: 440

Re: Determining cost basis in taxable account - "uncovered" shares

Yes, you shouldn't admit that, so please edit your post before anyone else reads that.
by livesoft
Tue Dec 06, 2016 10:15 pm
Forum: Personal Consumer Issues
Topic: Would appreciate a book recommendation.
Replies: 11
Views: 595

Re: Would appreciate a book recommendation.

current events? sociopolitics? Would Hlllbilly Elegy fit?
by livesoft
Tue Dec 06, 2016 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Haste Makes Waste Lump Sum Investing
Replies: 35
Views: 3726

Re: Haste Makes Waste Lump Sum Investing

Whatever you want it to be, but I have a decently defined definition of a RBD: https://www.bogleheads.org/forum/viewtopic.php?t=194427 But yes, certain types of threads on the bogleheads forum are good indicators. Here's another one: https://www.bogleheads.org/forum/viewtopic.php?t=118815 This does ...
by livesoft
Tue Dec 06, 2016 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Bond funds in taxable account
Replies: 8
Views: 887

Re: Bond funds in taxable account

Treasury bonds are state-income-tax exempt, so if in a state with an income tax, consider a treasury fund to see if one makes sense.
by livesoft
Tue Dec 06, 2016 7:22 pm
Forum: Investing - Theory, News & General
Topic: No Growth?
Replies: 15
Views: 1312

Re: No Growth?

Maybe the Callan "Periodic" table of annual returns for a few asset classes with Value and Growth bits is more useful to the OP. Here is one link to such a table:

https://www.americancentury.com/content ... _Table.pdf
by livesoft
Tue Dec 06, 2016 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Determining cost basis in taxable account - "uncovered" shares
Replies: 10
Views: 440

Re: Determining cost basis in taxable account - "uncovered" shares

And something else: If I do an internet search with the term "historical distributions vtsmx", one of the top hits is: https://www.bogleheads.org/forum/viewtopic.php?t=186317 which has a link to find the historical distributions for the past 10 years. And I wouldn't pay an accountant to do...
by livesoft
Tue Dec 06, 2016 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Determining cost basis in taxable account - "uncovered" shares
Replies: 10
Views: 440

Re: Determining cost basis in taxable account - "uncovered" shares

It is pretty trivial to look up the historical distributions of the fund and see how close you get to what you currently have. So with a purchase in 2006, you only need about 40 lines of information, so that's a pencil and paper thing or use a spreadsheet. You can work forwards or backwards and shou...
by livesoft
Tue Dec 06, 2016 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: questions on setting up solo 401k
Replies: 4
Views: 235

Re: questions on setting up solo 401k

I have a solo 401(k) at TDAmeritrade, so I will answer question #4: As a lawyer the hassle factor has to be zero since you just read some 75 pages of boilerplate document and sign your name. Fees should be zero. Yes, $0.00. My 401(k) is large, but I go online and file the Form 5500-SF myself which t...
by livesoft
Tue Dec 06, 2016 3:50 pm
Forum: Personal Consumer Issues
Topic: Eclipse viewing
Replies: 17
Views: 829

Re: Eclipse viewing

That reminds me, livesoft. I've never seen the Green Flash. Have you? If I did, it was not memorable, so I will just say "No." A quick look at the maps linked by the site nisiprius gave suggests that sunset+eclipse might be possible in the mid-Atlantic next year. :annoyed Probably sunrise...
by livesoft
Tue Dec 06, 2016 3:37 pm
Forum: Personal Consumer Issues
Topic: Eclipse viewing
Replies: 17
Views: 829

Re: Eclipse viewing

OK, that was an astro-geek writing that piece that nisiprius quoted. I've seen a total eclipse, but more memorable for me was a partial eclipse at sundown while out sailing, so there it was on the unblocked horizon. Can you imagine the optical illusion of a large red sunset with no clouds and then s...
by livesoft
Tue Dec 06, 2016 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Haste Makes Waste Lump Sum Investing
Replies: 35
Views: 3726

Re: Haste Makes Waste Lump Sum Investing

Equities hit all time highs 14 times this year. If you had money at the beginning of the year an were waiting for a correction, well, you missed your chance for 14 run ups and a climb of 2000 points for the Dow. Are you going to wait for the Dow to hit 25,000 to invest? Why not just dump the money ...
by livesoft
Tue Dec 06, 2016 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity International FSIVX -- Dividend timing
Replies: 4
Views: 404

Re: Fidelity International FSIVX -- Dividend timing

You are not walking away from money on the table. Think of it this way: If you were walking away, then others would be flocking to the table to capture a free 2.5% dividend. Since they are not, .... I would sell FSIVX before the ex-dividend date in order to avoid the dividend and buy VTIAX after its...
by livesoft
Mon Dec 05, 2016 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: TLH for the first time
Replies: 9
Views: 494

Re: TLH for the first time

How about the "External Links" linked on that wiki page?
by livesoft
Mon Dec 05, 2016 10:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft is almost at 50,000 posts...
Replies: 54
Views: 3742

Re: livesoft is almost at 50,000 posts...

Wow, that was a lot of work. Thanks!

I'd hate to see your list of what you don't like, but it's probably longer and would take a lot more work, so maybe I'm safe that it won't be posted. :sharebeer
by livesoft
Mon Dec 05, 2016 10:01 pm
Forum: Personal Consumer Issues
Topic: Flying Across Atlantic with 98th Percentile 18-Month Child
Replies: 105
Views: 5181

Re: Flying Across Atlantic with 98th Percentile 18-Month Child

The flights will be full in May, so ....
by livesoft
Mon Dec 05, 2016 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: TLH for the first time
Replies: 9
Views: 494

Re: TLH for the first time

Keep reading since it looks like you have a couple weeks before any decision is to be made.
by livesoft
Mon Dec 05, 2016 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: RMD Dilemma
Replies: 18
Views: 1711

Re: RMD Dilemma

Do you have non-IRA money that you can use to pay the taxes on the IRA withdrawal? What are your current expenses annually approximately? What is your current tax situation? Marginal income tax bracket? State of residence? Would you move to lower your taxes? Would you like to gift thousands, tens of...
by livesoft
Mon Dec 05, 2016 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should I SEPP?
Replies: 5
Views: 353

Re: Should I SEPP?

With no details, like the one that you are going to work until age 78, I don't think we can really say. I will say that withdrawals allowed via SEPP are generally so low that they won't pay your expenses. Did you compute what your allowed annual withdrawal rate and amount would be for what you want ...
by livesoft
Mon Dec 05, 2016 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: TLH for the first time
Replies: 9
Views: 494

Re: TLH for the first time

I'm going to suggest one more thing: Just tax-loss harvest TOMORROW from VTIAX to VFWAX. Deal with the results later. It will be no big deal.

Do NOT automatically reinvest the VTIAX distribution back into VTIAX.
by livesoft
Mon Dec 05, 2016 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: TLH for the first time
Replies: 9
Views: 494

Re: TLH for the first time

I can answer the question about when are dividends paid. You can find out yourself EVERY year with the following algorithm: 1. Browse to vanguard.com 2. Put in the vanguard.com search box "year-end distributions" 3. Click until you find what you want or give up because it is not available ...
by livesoft
Mon Dec 05, 2016 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Domestic and International Equity Index ETFs
Replies: 4
Views: 266

Re: Domestic and International Equity Index ETFs

1) & 2) Don't bother. Just use the Total Market weighted funds for now. But I use something like 50% total US and 50% Small-cap value for my domestic equities and something similar for my international equities because I want to tilt to small-cap and to value. 3) Consult the Bogleheads wiki: htt...
by livesoft
Mon Dec 05, 2016 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Overcontribution to Roth IRA
Replies: 4
Views: 330

Re: Overcontribution to Roth IRA

How much did your 2016 Roth IRA contribution go up this year? 20%? 30%? When we overcontributed due to phaseouts, we just paid the 6% excise tax and made a smaller contribution the next year. The 6% tax was cheaper than the income tax on the gain. The caveat is the you need to be able to make a 2017...
by livesoft
Mon Dec 05, 2016 3:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft is almost at 50,000 posts...
Replies: 54
Views: 3742

Re: livesoft is almost at 50,000 posts...

digarei wrote:Does this work for college-age as well?

Yes, but they don't go to bed in their clothes until 4 am and get up at 2 pm.
by livesoft
Mon Dec 05, 2016 3:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft is almost at 50,000 posts...
Replies: 54
Views: 3742

Re: livesoft is almost at 50,000 posts...

Alright, thanks everybody!

I need to get a life ... :sharebeer
by livesoft
Mon Dec 05, 2016 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help placing limit order for BND
Replies: 29
Views: 1609

Re: Help placing limit order for BND

[ Same thread Livesoft says bottom is a few weeks away! ... Careful, those were not my exact words. Livesoft, what software/broker do you use for the historical actual trade 12:01:30, spread, etc. TD Ameritrade, Level II quotes, something else? I use the TradeArchitect tool at TDAmeritrade. Here is...
by livesoft
Mon Dec 05, 2016 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Invest all or dollar cost average
Replies: 8
Views: 631

Re: Invest all or dollar cost average

I don't think there is anything wrong with decent market timing. The following was not tested in the Vanguard paper: A compromise would be to LS 50% today and to invest the other 50% in 10 monthly increments of 5%. Invest early if the market drops. You might guess that is a mix of the previous stati...
by livesoft
Mon Dec 05, 2016 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Silly FICO Score "Key Factors"
Replies: 7
Views: 608

Re: Silly FICO Score "Key Factors"

You are a deadbeat since you are not paying the credit card companies enough interest each year.
by livesoft
Mon Dec 05, 2016 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Invest all or dollar cost average
Replies: 8
Views: 631

Re: Invest all or dollar cost average

peter1a wrote:Thank you ,it is pretty clear what to do . That vanguard research is pretty good.

I disagree because only two scenarios were studied. There are many other scenarios which could lead to better results.
by livesoft
Mon Dec 05, 2016 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Ultimate Buy and Hold Implementation Question
Replies: 5
Views: 748

Re: Ultimate Buy and Hold Implementation Question

I would not try to be so pure about all this. For instance, instead of any S&P500 fund, I would use a total stock market index fund instead. So I would have Total US US Small-cap value Total Int'l Int'l small-cap Add value where you want. Decide what you want your Morningsar 9-box style grid to ...
by livesoft
Mon Dec 05, 2016 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help placing limit order for BND
Replies: 29
Views: 1609

Re: Help placing limit order for BND

And around 12:01:30 trading is light, but an unusually large trade for 3500 shares went through for $80.76 and the buyer paid the full spread.
by livesoft
Mon Dec 05, 2016 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Invest all or dollar cost average
Replies: 8
Views: 631

Re: Invest all or dollar cost average

Are there any statistics that would support dollar cost average vs investing all today ? Yes, there are a few studies. One is in the Journal of Financial Planning. Vanguard did one, too. I will summarize all the statistics while you go look them up: Lump Sum is compare to DCA over one year. Longer ...
by livesoft
Mon Dec 05, 2016 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Help placing limit order for BND
Replies: 29
Views: 1609

Re: Help placing limit order for BND

And for BND the opening cross was $80.60 (lowest price so far today) with 49,800 shares exchanging hands.

Thus, at least today, placing a market order [to buy] just before the open would probably have been satisfactory for many folks [but not for sellers].
by livesoft
Mon Dec 05, 2016 9:27 am
Forum: Personal Finance (Not Investing)
Topic: W4 Allowance Rules
Replies: 6
Views: 546

Re: W4 Allowance Rules

I think most people don't pay income taxes, so this issue never comes up.

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