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by livesoft
Thu Feb 23, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: How to save for retirement after maxing out 401k and IRA?
Replies: 4
Views: 386

Re: How to save for retirement after maxing out 401k and IRA?

Maybe Jane Bryant Quinn's "How to Make Your Money Last: The Indispensable Retirement Guide" ?
by livesoft
Thu Feb 23, 2017 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: How to save for retirement after maxing out 401k and IRA?
Replies: 4
Views: 386

Re: How to save for retirement after maxing out 401k and IRA?

Your taxable account is already a superb way to save for retirement. There is no need to buy annuitiies.
by livesoft
Thu Feb 23, 2017 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Thank You
Replies: 7
Views: 790

Re: Thank You

Thanks for the response. I wonder if some directed advertisement by a place like Vanguard would catch the current eyeballs and get people to start Roth IRAs.
by livesoft
Thu Feb 23, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: Banks with 2 factor authentication?
Replies: 7
Views: 436

Re: Banks with 2 factor authentication?

Wells Fargo. No fees for many customers, just get the right package.
by livesoft
Thu Feb 23, 2017 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Account transfer
Replies: 6
Views: 171

Re: Account transfer

Send a message via the Vanguard web site to Vanguard and ask them. I have no idea what that means, but can guess it means you did not confirm something last week.
by livesoft
Thu Feb 23, 2017 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: ETFs vs mutual funds and expense ratios
Replies: 2
Views: 218

Re: ETFs vs mutual funds and expense ratios

Commissions could be cheaper, but expense ratios probably not in a meaningful way. For instance, my spouse invests in VFIAX in her retirement plan. It is the only index fund in the plan. There are no fees nor commissions for her to buy shares. All the other funds are actively-managed and have very h...
by livesoft
Thu Feb 23, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 37
Views: 2169

Re: TIAA financial advisor?

Thanks, then if I do this, I will insist that they take me to lunch first.
by livesoft
Thu Feb 23, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 37
Views: 2169

Re: TIAA financial advisor?

Back from my meeting [with a TIAA advisor]. Not worth the effort IMHO. Rep walked through my "profile" update affirming assets and risk tolerance. Thanks for this report. My local TIAA rep (a CFP) found out about me and has contacted me about free no-obligation look-see. I might do it if ...
by livesoft
Thu Feb 23, 2017 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Merrill Lynch 401k fund choices
Replies: 1
Views: 99

Re: Question about Merrill Lynch 401k fund choices

I will say that the fund choices will be different for every Merrill Lynch 401(k) plan and will depend on the people in your company who are running the plan. You should ask your peeps.
by livesoft
Thu Feb 23, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: Getting credit report/score IF credit application is rejected
Replies: 9
Views: 203

Re: Getting credit report/score IF credit application is rejected

One can get a free direct credit bureau report anyways, so there is no weaseling out of anything. I thought the actual credit score isn't necessarily what is shown, that it might not be precisely what the vendor (vetting you) "sees". That's what we are curious about, and thought this was ...
by livesoft
Thu Feb 23, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Getting credit report/score IF credit application is rejected
Replies: 9
Views: 203

Re: Getting credit report/score IF credit application is rejected

One can get a free direct credit bureau report anyways, so there is no weaseling out of anything.
by livesoft
Thu Feb 23, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: trading with ira
Replies: 8
Views: 322

Re: trading with ira

That is also technically true, but .... Say you buy yesterday in your trading account and sell all those shares today at a loss. That is not a wash sale either unless you have some other shares that you bought in the 30 days before today or in the 30 days after today (don't count today). Your statem...
by livesoft
Thu Feb 23, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Getting credit report/score IF credit application is rejected
Replies: 9
Views: 203

Re: Getting credit report/score IF credit application is rejected

I don't think you get a free score of the type you think you get, but you do get a free credit report, but you can get that quite a number of ways
by livesoft
Thu Feb 23, 2017 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: trading with ira
Replies: 8
Views: 322

Re: trading with ira

It only changes things if you sell or buy the same stock in your taxable account within 30 days (google: "wash sale"). As long as you do not trade that same stock in taxable within 30 days, there is no regulatory problem with repeated buying and selling of the same stock in an IRA. While ...
by livesoft
Thu Feb 23, 2017 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: trading with ira
Replies: 8
Views: 322

Re: trading with ira

Hello, I sold a certain stock 3 days ago with my IRA account. now it dropped in price. can i buy it again? the money i will use to buy will come from the extra cash i already had in the account, i will not need the amount that is still settling from that sale. is this allowed? i also still have tha...
by livesoft
Thu Feb 23, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Can't get a really good scan of a black-and-white photo
Replies: 13
Views: 647

Re: Can't get a really good scan of a black-and-white photo

When you scan the photo, what do you place behind it to prevent backscatter? I'm thinking I would try the following materials:

1. Matte black cardboard.
2. Aluminum foil shiny side up
3. Aluminum foil shiny side down
4. White card stock
5. Something else opaque
by livesoft
Thu Feb 23, 2017 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Re-balancing Help
Replies: 16
Views: 469

Re: Re-balancing Help

I'm confused because you have sometimes wrote "stock" when you mean "US stock." I think your contributions should go into the underweighted asset class even if you have not reached a rebalancing trigger point. So in this case, make her Roth IRA contribution into VTIAX. By adding ...
by livesoft
Thu Feb 23, 2017 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Thank You
Replies: 7
Views: 790

Re: Thank You

Great testimonial! I think many people have "no knowledge of a Roth IRA." Can you shed light on why you had no knowledge? I'm asking because I think that should be the main way that lower income people save for retirement, but I suspect they have no knowledge of a Roth IRA either. Is is be...
by livesoft
Thu Feb 23, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Early Soc Sec or spend down investments/assets?
Replies: 11
Views: 935

Re: Early Soc Sec or spend down investments/assets?

I am waiting to age 70 to start SS. I suggest you do the same if you can afford it. Isn't this really a no brainer?
by livesoft
Thu Feb 23, 2017 10:13 am
Forum: Investing - Theory, News & General
Topic: How efficiently are my investments working?
Replies: 15
Views: 741

Re: How efficiently are my investments working?

Of course, the OPs situation could be true. There are plenty of people who inherit significant sums of money that can arrive over a few years. A million in 2015 and a million in 2016, then lose or spend $400K and we have the OP. :twisted:

But they did state the situation was fake.
by livesoft
Thu Feb 23, 2017 10:06 am
Forum: Investing - Theory, News & General
Topic: How efficiently are my investments working?
Replies: 15
Views: 741

Re: How efficiently are my investments working?

goingup wrote:This thread makes no sense. Is it a humble brag about stock picking?

It is a study in whether folks read the posts in the thread or not. It does show that folks still have a problem with fake news.
by livesoft
Thu Feb 23, 2017 9:48 am
Forum: Investing - Help with Personal Investments
Topic: First Time Rebalancing Help Needed
Replies: 6
Views: 515

Re: First Time Rebalancing Help Needed

Given your age, I will guess that some of the IRA and the taxable account is from a windfall such as an inheritance. Given your stated tax bracket and lack of a company retirement account like a 401(k) or 403(b), I am not sure how to give advice. If you or your spouse has earned income, then you can...
by livesoft
Thu Feb 23, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Can't get a really good scan of a black-and-white photo
Replies: 13
Views: 647

Re: Can't get a really good scan of a black-and-white photo

Is it about dynamic range? Presumably you are not scanning in black&white, but are scanning in color, then using image processing to get the result you want. Film does not have the dynamic range of modern detectors, but it does have those silver grains which are not all the same size. I can imag...
by livesoft
Thu Feb 23, 2017 7:20 am
Forum: Investing - Theory, News & General
Topic: How to Rebalance with Rate Hikes Looming
Replies: 13
Views: 1248

Re: How to Rebalance with Rate Hikes Looming

You have to make up your own mind about what bonds and/or fixed income to buy.

Instead of intermediate bonds, we see many people buying the TSP G fund, I bonds. the TIAA traditional annuity, stable value fund, short-term bond fund, and/or CDs.
by livesoft
Wed Feb 22, 2017 7:42 pm
Forum: Investing - Theory, News & General
Topic: How efficiently are my investments working?
Replies: 15
Views: 741

Re: How efficiently are my investments working?

I don't even know what "efficiently working" means in this situation. Are they yielding a decent return for 60:40 portfolio of equity:bonds? how do i draw a number that I can use to compare? What other information do I need? I would not use the word "efficient." But it seems one...
by livesoft
Wed Feb 22, 2017 7:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 45
Views: 6045

Re: anguard opens special offices for $1 million clients

Livesoft, You misunderstood me. The linked article says that vanguard will have three offices where flagshipers can meet face to face with their reps. However, those three locations a are too far from the vast majority of their FS customers. I heard from a FS rep in Scottsdale that the vast vast ma...
by livesoft
Wed Feb 22, 2017 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing for a recent college grad
Replies: 15
Views: 732

Re: Tax filing for a recent college grad

Hmmm, teaching in a middle school. All she needs to know is "irs.gov" and read Publication 17.
by livesoft
Wed Feb 22, 2017 6:58 pm
Forum: Investing - Theory, News & General
Topic: How efficiently are my investments working?
Replies: 15
Views: 741

Re: How efficiently are my investments working?

I don't even know what "efficiently working" means in this situation.
by livesoft
Wed Feb 22, 2017 6:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 45
Views: 6045

Re: anguard opens special offices for $1 million clients

I don't understand the point of having offices in just three locations to meet certain clients. Malverm, Scottsdale and Charlotte are very far away from the vast majority of Vanguard's customers. It's phone and internet support and a company like Vanguard should want them geographically distributed...
by livesoft
Wed Feb 22, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Best fencing for a dog
Replies: 30
Views: 1306

Re: Best fencing for a dog

What have your neighbors done with their dogs and fences?
by livesoft
Wed Feb 22, 2017 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Betterment, $500k in cash, no taxable events to transfer?
Replies: 21
Views: 1544

Re: Betterment, $500k in cash, no taxable events to transfer?

And my main point is that Camp C people need to acknowledge how much education is involved to reach the point where it is "easy". It is an even greater challenge for those whose understanding of income tax up to this point is limited to whatever is revealed by TurboTax and friends. Which ...
by livesoft
Wed Feb 22, 2017 11:09 am
Forum: Investing - Theory, News & General
Topic: Bond fund newbie questions
Replies: 4
Views: 270

Re: Bond fund newbie questions

1) It seems that, recently, bond prices consistently fell when Janet spoke. I am generally not a market timer, but since I DCA into bond funds anyway, would it be a good idea to buy right after an interest rate hike is announced (buying the dips)? ? Continue your normal pattern, but when things go ...
by livesoft
Wed Feb 22, 2017 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Splitting FI between Total Bond and Short-Term?
Replies: 11
Views: 875

Re: Splitting FI between Total Bond and Short-Term?

I will posit that the preponderance of people posting on this forum have a significant chunk of their assets in short-term fixed income investments including cash, CDs, I-bonds, stable value, and so on. They may rationalize these short-term fixed income investments with words like: emergency fund 2-...
by livesoft
Wed Feb 22, 2017 7:09 am
Forum: Investing - Help with Personal Investments
Topic: Betterment, $500k in cash, no taxable events to transfer?
Replies: 21
Views: 1544

Re: Betterment, $500k in cash, no taxable events to transfer?

It is true that 0.2% of $500,000 is $1,000. So how much time does one spend to TLH? 10 minutes? So that's paying $1,000 for 10 minutes of trivial work? How trivial is the TLH work? I can have Vanguard send me an e-mail alert when my investment might have a loss of $3,000. I won't need to login or lo...
by livesoft
Wed Feb 22, 2017 6:35 am
Forum: Investing - Help with Personal Investments
Topic: Betterment, $500k in cash, no taxable events to transfer?
Replies: 21
Views: 1544

Re: Betterment, $500k in cash, no taxable events to transfer?

That's the question...is that TLH $3000 deduction automatically worth the time spent doing this on your own @ Vanguard? There is no guarantee that one will get a $3000 deduction automatically each year. Unless one is contributing quite a lot of money every year, then it is unlikely. One can do the ...
by livesoft
Tue Feb 21, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to get rid of lot of land?
Replies: 25
Views: 3817

Re: Best way to get rid of lot of land?

Visit the lot. Scout out the neighbors. Act like you are (or will be) doing something there that might not make the neighbor(s) or the neighborhood happy. Then, they might offer to buy you out. Send another letter to the adjacent landowners. This time tell them that you want to BUY their lots. I be...
by livesoft
Tue Feb 21, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Should I invest with the Robinhood app?
Replies: 12
Views: 944

Re: Should I invest with the Robinhood app?

No one can know the best possible way to invest right now. It's not you. It's me. It's everyone. One only has to invest in a "good enough" way.
by livesoft
Tue Feb 21, 2017 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Should I invest with the Robinhood app?
Replies: 12
Views: 944

Re: Should I invest with the Robinhood app?

Hey, I said you could use Robinhood in my first post. I'm only answering the questions that you asked.
by livesoft
Tue Feb 21, 2017 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Betterment, $500k in cash, no taxable events to transfer?
Replies: 21
Views: 1544

Re: Betterment, $500k in cash, no taxable events to transfer?

How much work does it take to monitor and manage myself through Vanguard? I think it takes less work than the work you did to type and post the starting post of this thread. True for you, but blatantly, unhelpfully false for every newcomer. Actually, the "work" to open an account at Bette...
by livesoft
Tue Feb 21, 2017 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Betterment, $500k in cash, no taxable events to transfer?
Replies: 21
Views: 1544

Re: Betterment, $500k in cash, no taxable events to transfer?

atxeng wrote: How much work does it take to monitor and manage myself through Vanguard?

I think it takes less work than the work you did to type and post the starting post of this thread.
by livesoft
Tue Feb 21, 2017 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Should I invest with the Robinhood app?
Replies: 12
Views: 944

Re: Should I invest with the Robinhood app?

Why does it matter that I am just starting out? Shouldn't I try to invest in the best way possible whenever I am investing? You actually don't know the best way possible to invest right now. You simply do not have enough experience to know whether to believe someone like Merriman or Bogle or Bernst...
by livesoft
Tue Feb 21, 2017 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Contributions to a non-deductible tIRA vs. taxable
Replies: 12
Views: 376

Re: Contributions to a non-deductible tIRA vs. taxable

Note that some self-employed folks are eligible for SEP, but not solo 401(k) (I think). So first figure out if you are eligible for a solo 401(k).
by livesoft
Tue Feb 21, 2017 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Advice: Traditional vs Roth at top of 15% bracket with unrealized taxable account gains
Replies: 17
Views: 622

Re: Advice: Traditional vs Roth at top of 15% bracket with unrealized taxable account gains

I have never done a tIRA conversion and backdoor Roth. While I am aware of them and get the basic idea, I don't know the mechanics or math very well. I should read and educate myself. I have access to Traditional (or Roth) 403b and 457b space, which is nice. You are correct - not a deductible tradi...
by livesoft
Tue Feb 21, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Help on I-10 west from FL to NM
Replies: 13
Views: 761

Re: Help on I-10 west from FL to NM

The Texas Hill Country will be particularly nice in March with the wildflowers blooming. The western chaparral/desert of Texas will also be full of blooms. The Dallas-Amarillo corridor not so much. True, but I-10 doesn't really go through the best of the hill country or the desert. I don't find it ...
by livesoft
Tue Feb 21, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Help on I-10 west from FL to NM
Replies: 13
Views: 761

Re: Help on I-10 west from FL to NM

The Texas Hill Country will be particularly nice in March with the wildflowers blooming. The western chaparral/desert of Texas will also be full of blooms. The Dallas-Amarillo corridor not so much.
by livesoft
Tue Feb 21, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Advice: Traditional vs Roth at top of 15% bracket with unrealized taxable account gains
Replies: 17
Views: 622

Re: Advice: Traditional vs Roth at top of 15% bracket with unrealized taxable account gains

I'd probably use any space to convert the $10K in existing traditional to a Roth IRA now, so that you can do backdoor Roth easily in the future. I'd thus contribute to a Roth and not cash in any taxable ... unless you could tax-loss harvest. I don't think tax-gain harvesting will be as nice a deal a...
by livesoft
Tue Feb 21, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Differences between TurboTax and H&R Block
Replies: 15
Views: 1314

Re: Differences between TurboTax and H&R Block

Ive had no problems using HRBlock for education credits, but I think everyone should read the publications because they are often better than the TurboTax interview questions.
by livesoft
Tue Feb 21, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Help on I-10 west from FL to NM
Replies: 13
Views: 761

Re: Help on I-10 west from FL to NM

I-10 doesn't go anywhere near Dallas, so that will not be a problem at all.

But you can take I-10 to San Antonio or El Paso, then head up to Santa Fe. Or some other route.
by livesoft
Tue Feb 21, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: Do you replace your electrical switches/outlets or use an electrician?
Replies: 92
Views: 4888

Re: Do you replace your electrical switches/outlets or use an electrician?

I do lots of handy work. I start by watching youtube videos. Doesn't everyone?

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