Search found 54056 matches

by livesoft
Wed May 24, 2017 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Transfer existing 401K to SEP-IRA or Solo 401K ?
Replies: 3
Views: 41

Re: Transfer existing 401K to SEP-IRA or Solo 401K ?

My understanding is that if he does not offer the same retirement plan (SEP, 401(k)) to his employees, then he can't have one for himself.
by livesoft
Wed May 24, 2017 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Classifying "Other" investments in Vanguard Portfolio Watch
Replies: 9
Views: 833

Re: Classifying "Other" investments in Vanguard Portfolio Watch

As noted in the other thread, I have used Personal Capital. I don't like it for reasons discussed in the other thread.

Vanguard did update their explanations of Portfolio Watch as I noted in this recent post. Among other info, Vanguard described how they decided what "Other" was.
by livesoft
Wed May 24, 2017 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard, Betterment and Wealthfront for a teenager
Replies: 8
Views: 495

Re: Vanguard, Betterment and Wealthfront for a teenager

A question for you: Motivation for what? Motivation to stay focused on savings and not lose track when they can visualize the progress. DD is very creative and non-analytical unlike me, and hates crunching numbers but gets excited if she can see something in the form of colorful charts in a Dashboa...
by livesoft
Wed May 24, 2017 7:40 am
Forum: Investing - Help with Personal Investments
Topic: Do you keep extra money available for investing
Replies: 26
Views: 1957

Re: Do you keep extra money available for investing

You know, that's what your bond allocation is for. Bonds were UP about half a percent on last week's dump, so you made more than cash before you exchanged into equities and watched those equities POP. And then you rebalanced back into bonds on Friday. I've been wondering what the ideal bond ETF wou...
by livesoft
Wed May 24, 2017 7:36 am
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 32
Views: 3118

Re: i am my own "guy," but not sure I should advertise that

Some investing things to talk about have little to do with choosing investments. In particular, Donor Advised Funds, Roth Conversions, Foreign Tax Credit, and Education Credits are "neutral" topics that even folks with an advisor might have something to learn.
by livesoft
Tue May 23, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 32
Views: 3118

Re: i am my own "guy," but not sure I should advertise that

I've never had a problem talking to anyone about investing.
by livesoft
Tue May 23, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard, Betterment and Wealthfront for a teenager
Replies: 8
Views: 495

Re: Vanguard, Betterment and Wealthfront for a teenager

My teens made one transaction a year, so one login a year -- to make an IRA contribution.

They forget their user id and password, so they also call once a year to figure that out.

Vanguard is the way to go now because they should end up there anyways.

A question for you: Motivation for what?
by livesoft
Tue May 23, 2017 7:59 pm
Forum: Investing - Theory, News & General
Topic: Lazy way to increase returns on cash in Vanguard
Replies: 22
Views: 2022

Re: Lazy way to increase returns on cash in Vanguard

Do VG's frequent trading restrictions ever get in the way of doing as you described? Or does a complete price swing (up .5% and then back down .4%) happen so infrequently that you're generally outside the restricted period (60 days IIRC)? No because the Vanguard frequent trading restrictions are la...
by livesoft
Tue May 23, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: best for web surfing: trackpoint or touchpad?
Replies: 6
Views: 295

Re: I do have a few thoughts on the subject

It's one thing to be a touch typist and not need to hunt for the keys while typing, but it's still a problem getting your fingers back on the right keys when there's no label on the ones you use the most. Don't your keyboards have the raised bits on the F and J keys so that you can find the keys in...
by livesoft
Tue May 23, 2017 3:27 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 262
Views: 33502

Re: TLH for absolute dummies [Tax Loss Harvesting]

I think it is pretty trivial to check for losses more often. Sometimes even large losses are fleeting. Here is one automatic way of setting when to check for losses: Set up an alert at Vanguard to automatically send a message to your smart phone when VTSAX or VTIAX have dropped at least 2.5% (or 2% ...
by livesoft
Tue May 23, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Zacks says sell Wellesley!?
Replies: 58
Views: 4576

Re: Zacks says sell Wellesley!?

I plan on ultimately reallocating once I can buy Admiral Shares of "The W" in my Roth and then keeping Total US in my taxable (possibly adding total int'l to the taxable as well) these W funds would be better if in an IRA than taxable correct? Correct. Especially if the IRA is a tax-defer...
by livesoft
Tue May 23, 2017 3:15 pm
Forum: Investing - Theory, News & General
Topic: Lazy way to increase returns on cash in Vanguard
Replies: 22
Views: 2022

Re: Lazy way to increase returns on cash in Vanguard

I will give very specific advice: Whenever BND or AGG appear to have gone up about 0.5% in one day, place an order to sell some of your VBTLX before the market closes, say 20% of what you own and buy VSCSX. Whenever BND or AGG appear to have gone down by about 0.4% in one day, place an order to buy ...
by livesoft
Tue May 23, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity and their "free advisor" service?
Replies: 23
Views: 1411

Re: Fidelity and their "free advisor" service?

Here is another Fidelity clean-up story:
http://www.physicianonfire.com/28to3/ From 28 funds to 3 funds.
by livesoft
Tue May 23, 2017 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity and their "free advisor" service?
Replies: 23
Views: 1411

Re: Fidelity and their "free advisor" service?

Fidelity has plenty of index funds. There is no problem in investing in Fidelity index funds.
by livesoft
Tue May 23, 2017 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Contribution pre/post/Roth?
Replies: 15
Views: 668

Re: Contribution pre/post/Roth?

Your current tax bracket and what you might estimate it to be in the future, determines whether you should be doing a Roth or tax-deferred 401k now. If it's a low bracket now and you expect it be higher later, Roth may be fine for now. JW This is it. Taxes. Brackets. Know them. If you contribute to...
by livesoft
Tue May 23, 2017 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity and their "free advisor" service?
Replies: 23
Views: 1411

Re: Fidelity and their "free advisor" service?

Be very very leery. There are many posts about the garbage that Fidelity advisors sales reps have advised customers to buy. I suppose that at the outset you can tell them: "Never ever call me. I will only invest in index funds. Never ever try to get me to invest in something that is not an inde...
by livesoft
Tue May 23, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: best for web surfing: trackpoint or touchpad?
Replies: 6
Views: 295

Re: best for web surfing: trackpoint or touchpad?

I've used trackpoint and found them lacking. You have to admit sometimes they get stuck and the cursor just keeps traveling across the screen to peg itself on the edge. A multi-touch trackpad has been ideal for me because I have configured it to the force and touches and scaling that matches my ergo...
by livesoft
Tue May 23, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Gifted stocks cost basis
Replies: 7
Views: 443

Re: Gifted stocks cost basis

You would be responsible for reporting the dividends and distributions paid by these investments over the years on your tax returns and paying the taxes owed (if any). So what happened in the past?
by livesoft
Tue May 23, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Very Close to FI / RE - Allocation Suggestions?
Replies: 23
Views: 1744

Re: Very Close to FI / RE - Allocation Suggestions?

I already responded to your question. Your current asset allocation is great and I wouldn't change it. The reality is that the "best" asset allocation will only be known in hindsight which one needs to time to develop in order to use it. If you have 40% in bonds, that will give you many ma...
by livesoft
Tue May 23, 2017 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: A Gem from Livesoft
Replies: 23
Views: 5633

Re: A Gem from [some guy not livesoft]

EnjoyIt wrote:I wish these tables/graphs were able to show some flexibility. Such as a semi variable withdrawal rate.

Did you read the entire series? Your wish was granted.
by livesoft
Tue May 23, 2017 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Gifted stocks cost basis
Replies: 7
Views: 443

Re: Gifted stocks cost basis

The basis is what your dad paid for them when he paid for them. Splits are not complicated. If he paid $50 a share and the share split into 2 shares before today, then the basis is still $50 for those 2 new shares or $25 per new share. If he paid $50 a share the share did a reverse split and ended u...
by livesoft
Tue May 23, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Zacks says sell Wellesley!?
Replies: 58
Views: 4576

Re: Zacks says sell Wellesley!?

Back to discussion... Wouldn't Wellesly's lag of the LS fund be as much about international allocation as it is the bond composition? Even though I am a fan of both, I just assumed that when international upticked into outperforming domestic, W/W would begin to lag. Wellesely is only 6% internation...
by livesoft
Tue May 23, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: To me this is the most significant investment lesson ever
Replies: 16
Views: 2671

Re: To me this is the most significant investment lesson ever

Always passive wrote:Does this not prove his point?

It was supposed to, but I'll let others make their own judgements.
by livesoft
Tue May 23, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Is it worth it spending money to keep your house looking sharp?
Replies: 32
Views: 2543

Re: Is it worth it spending money to keep your house looking sharp?

Pressure washing is probably a regional thing. No house could be sold in my neighborhood without extensive pressure washing. The humidity and heat just means that concrete would turn black from the mold every season. I just have my kids do it, so its cheap. I'm not sure what "beauty bark" ...
by livesoft
Tue May 23, 2017 8:46 am
Forum: Investing - Help with Personal Investments
Topic: 21 yr old sons Roth IRA
Replies: 23
Views: 1270

Re: 21 yr old sons Roth IRA

It's an outstanding choice and exactly what my 21-year-old son uses. Make sure though that son has enough earned income by the end of the year to allow for the contributions.
by livesoft
Tue May 23, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Zacks says sell Wellesley!?
Replies: 58
Views: 4576

Re: Zacks says sell Wellesley!?

Quite a lot of emotions come to the fore whenever discussing Wellesley and Wellington.
by livesoft
Tue May 23, 2017 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Zacks says sell Wellesley!?
Replies: 58
Views: 4576

Re: Zacks says sell Wellesley!?

Selling now would be performance chasing in livesoft's example of lifestrategy with it's foreign stock component. Or maybe it is just about rebalancing? In 2016, Wellesley returned 8.16% while LifeStrategy Conservative Growth returned 5.96%. If one was only looking at 2016, then staying in Wellesle...
by livesoft
Tue May 23, 2017 8:05 am
Forum: Personal Finance (Not Investing)
Topic: IRS tax letter triggered by Turbotax's 8606
Replies: 33
Views: 3085

Re: IRS tax letter triggered by Turbotax's 8606

And note that the recommendation to use HRBlock was to use the desktop (aka downloaded) version (free after rebate) and not the online version. And my experiences with NY state returns is that I regularly get a letter from NY revenue saying I haven't paid enough and I regular dispute their lack of a...
by livesoft
Tue May 23, 2017 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Zacks says sell Wellesley!?
Replies: 58
Views: 4576

Re: Zacks says sell Wellesley!?

Wellesley is 33% stock and 67% bond. And stock is outperforming bonds significantly this year. I have read many posts here and the consensus seems to be that Vanguard Wellington 67/33 and its sister fund, Vanguard Wellesley 33/67, are highly recommended funds on here, despite being actively managed...
by livesoft
Tue May 23, 2017 6:12 am
Forum: Investing - Help with Personal Investments
Topic: To me this is the most significant investment lesson ever
Replies: 16
Views: 2671

Re: To me this is the most significant investment lesson ever

If you like those numbers, then consider numbers from Vanguard. :) Do you agree that the Vanguard LifeStrategy funds have different asset allocations? You know, when it comes to the stock:bond ratio, Conservative Growth is different from Moderate Growth is different from Growth? Here are the 10-year...
by livesoft
Mon May 22, 2017 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Zacks says sell Wellesley!?
Replies: 58
Views: 4576

Re: Zacks says sell Wellesley!?

This year, it's made 3.5% so far and the year isn't even half up. [...] Looks good to me, and nothing grossly awful this year. What am I supposed to be seeing, livesoft? What would you compare it to? Wellesley is about 40% stocks and 60% bonds. YTD is about 3.5%. Another fund with 40/60 asset alloc...
by livesoft
Mon May 22, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Zacks says sell Wellesley!?
Replies: 58
Views: 4576

Re: Zacks says sell Wellesley!?

Look at this year's performance and the performance of the long bonds that it holds. It has really cost folks money this year with the FOMC raising the FFR. This is expected to continue.
by livesoft
Mon May 22, 2017 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Question about buying bonds in Roth IRA
Replies: 7
Views: 386

Re: Question about buying bonds in Roth IRA

I own bond ETFs (BND, AGG, and VCSH) and I own bond mutual funds (FBIDX, VBMFX, VBTLX). I choose which one to own depending on which one has no commissions nor fees in the accounts that I have them in. Which vendor has your Roth IRA? Since $825 will not meet the initial minimum amount for the mutual...
by livesoft
Mon May 22, 2017 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: I admit, I give up [need strategy for getting back in]
Replies: 18
Views: 2959

Re: I admit, I give up [need strategy for getting back in]

There are only a couple of strategies: Lump Sum --- do it all at once and if/when things go down, then tax-loss harvest. Dollar-Cost-Average --- do it every month until done and if/when things go down, then tax-loss harvest. OK, there is one more strategy: Do both LS and DCA: For instance, Invest 50...
by livesoft
Mon May 22, 2017 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Dividends Reinvested?
Replies: 10
Views: 524

Re: Dividends Reinvested?

With a 401(k), it is difficult to turn them off or maybe even impossible. Use the chat features with your netbenefits.fidelity.com and get help.
by livesoft
Mon May 22, 2017 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Dividends Reinvested?
Replies: 10
Views: 524

Re: Dividends Reinvested?

A dividend reinvestment shows up as 2 transactions in your statements and online information: 1. A transaction to pay the dividend. 2. A transaction to buy more shares. Online accounts will usually have information about whether you selected to have dividends reinvested, too, so that you can change ...
by livesoft
Mon May 22, 2017 3:59 pm
Forum: Investing - Theory, News & General
Topic: Market News Feeds Worth Reading?
Replies: 10
Views: 685

Re: Market News Feeds Worth Reading?

bogleheads.org has all the news on investing that's worth reading along with a bunch of noise, too. If there is some news that you need to know about, then it will show up on the forum pretty quickly.
by livesoft
Mon May 22, 2017 3:20 pm
Forum: Investing - Theory, News & General
Topic: Why Invest in Average?
Replies: 34
Views: 2852

Re: Why Invest in Average?

Answer: Because I don't want to invest in Below Average.
by livesoft
Mon May 22, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Can you take these Core funds and Create a Three Fund Portfolio?
Replies: 29
Views: 2648

Re: Can you take these Core funds and Create a Three Fund Portfolio?

I am only 39 years old. Lets say for example my original Vanguard Target Date was 2040, but the allocation of the Vanguard Target Date for 2020 if placed in my tax deferred 401K and Keogh fit nicely to balance out having the amount of bonds with my overall portfolio in my taxable account. Is it an ...
by livesoft
Mon May 22, 2017 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Very Close to FI / RE - Allocation Suggestions?
Replies: 23
Views: 1744

Re: Very Close to FI / RE - Allocation Suggestions?

I think this series of articles discusses your questions somewhere in the 14 articles: https://earlyretirementnow.com/2016/12/07/the-ultimate-guide-to-safe-withdrawal-rates-part-1-intro/ With only 57% stocks, I don't see any reason to change your asset allocation now nor for the rest of your lives. ...
by livesoft
Mon May 22, 2017 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Why ETF settlement happens on T+3?
Replies: 21
Views: 1595

Re: Why ETF settlement happens on T+3?

I've been told that this T+3 is likely historical because it applied to stocks back in the day. One could call their broker (or more likely a broker would call you) and place a trade. One could have no money in their cash account (did money market funds even exist?) and needed time to get the money ...
by livesoft
Mon May 22, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Which International in Taxable?
Replies: 3
Views: 360

Re: Which International in Taxable?

It is not the case today (10 years later). VTIAX is fine in a taxable account. You can determine the benefits for yourself after reading this thread and using the linked spreadsheet:
viewtopic.php?t=208818
by livesoft
Mon May 22, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Replace timing chain based on miles or years? [ignore]
Replies: 18
Views: 1162

Re: Replace timing chain based on miles or years?

I never paid attention to either miles nor years. We've replaced timing thingie only when something else was wrong in the same area of the engine.
by livesoft
Mon May 22, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: Confirm Withdrawl Strategy
Replies: 17
Views: 1535

Re: Confirm Withdrawl Strategy

I would not increase my tax liability.
by livesoft
Mon May 22, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: IRS tax letter triggered by Turbotax's 8606
Replies: 33
Views: 3085

Re: IRS tax letter triggered by Turbotax's 8606

Also reinforces the point that one needs to completely review a finished return (the forms) to make sure it is correct. There really is no substitute. I have to laugh at that comment. What would a complete review have turned up? The taxpayer would not discern that anything was wrong with the finish...
by livesoft
Mon May 22, 2017 10:38 am
Forum: Investing - Theory, News & General
Topic: Confirm Withdrawl Strategy
Replies: 17
Views: 1535

Re: Confirm Withdrawl Strategy

It makes more sense to maintain your desired asset allocation. Selling equities without also selling bonds would change your asset allocation, would it not?
by livesoft
Mon May 22, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: rebalance or not
Replies: 5
Views: 271

Re: rebalance or not

Well, you are sort of self-reinforcing your negative waves. Consider this sentence instead: Yay! I finally get to rebalance which is so easy and trivial to do! The dip last week was only for one day and now we are back up. This is going to be fun! BTW, I rebalanced last week ... twice. With no trans...
by livesoft
Mon May 22, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 51
Views: 5441

Re: We have a lot going on .... Input Requested.

Thanks for the link, TAXES have been on my mind. I do have about $40K in LT Gains and $8K in ST gains that I need to deal with appropriately. You have 2 adult children. If they are in low tax brackets, then their long-term capital gains tax rate can be 0% for some portion of their LTCG. You can the...

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