Search found 919 matches

by LiveSimple
Thu Jan 18, 2018 5:33 am
Forum: Investing - Help with Personal Investments
Topic: FSTVX - Fidelity Total Stock Index - Tax Implications
Replies: 22
Views: 1290

Re: FSTVX - Fidelity Total Stock Index - Tax Implications

OP here. Appreciate all the thoughts. After all considerations, sticking on to the FSTVX automatic investing, for the convience and some psychological factors to keep this account at Fidelity, such as the family able to walk into an office and do business. Also to avoid the inconvenience buying ETF,...
by LiveSimple
Wed Jan 17, 2018 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: FSTVX - Fidelity Total Stock Index - Tax Implications
Replies: 22
Views: 1290

Re: FSTVX - Fidelity Total Stock Index - Tax Implications

Sorry, but I'm still struggling to understand how FSTVX is so tax-inefficient in a taxable account? So it pays a small-ish dividend (like most funds) and you have to pay annual tax on that...? Unless you have a massive amount of money in that one fund, how is it a big deal? I'm genuinely curious an...
by LiveSimple
Wed Jan 17, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: FSTVX - Fidelity Total Stock Index - Tax Implications
Replies: 22
Views: 1290

Re: FSTVX - Fidelity Total Stock Index - Tax Implications

For my part, I concluded that this wasn't worth worrying about. In the example above, long-term capital gains distribution in 2017 boosted the effective ER from 3.5 basis points to 17.5 basis points -- a cost I'm willing to pay for Fidelity's far-superior customer service. These may or may not recu...
by LiveSimple
Wed Jan 17, 2018 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: FSTVX - Fidelity Total Stock Index - Tax Implications
Replies: 22
Views: 1290

Re: FSTVX - Fidelity Total Stock Index - Tax Implications

For my part, I concluded that this wasn't worth worrying about. In the example above, long-term capital gains distribution in 2017 boosted the effective ER from 3.5 basis points to 17.5 basis points -- a cost I'm willing to pay for Fidelity's far-superior customer service. These may or may not recu...
by LiveSimple
Wed Jan 17, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: FSTVX - Fidelity Total Stock Index - Tax Implications
Replies: 22
Views: 1290

FSTVX - Fidelity Total Stock Index - Tax Implications

FSTVX - Fidelity Total Stock Index - Tax Implications There were a few threads on the tax efficiency about the Fidelity Total Stock Index FSTVX When compared to Vanguard Total Stock market index fund. We have quite an amount, in this fund. What ways I can make a change without any major tax conseque...
by LiveSimple
Tue Jan 16, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Friend Got Laid Off - Advice Needed
Replies: 46
Views: 4764

Re: Friend Got Laid Off - Advice Needed

DataVisualization gets 100+ K jobs, can learn Tableau in a couple of days
Any business analytics / Reporting will get 100+ K job

May need a mindset to change and work with people
by LiveSimple
Tue Jan 16, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Career Direction Advice
Replies: 14
Views: 880

Re: Career Direction Advice

You can come back to technical if need be in the near future.
May be not possible after a decade, by that time, you are a leadership veteran.

So go for it.
by LiveSimple
Tue Jan 16, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Engineering To Consulting Transition
Replies: 8
Views: 573

Re: Engineering To Consulting Transition

One way people grow in the organization is that they follow the leader. If the VP is strong in his / her field, then you are fine, just follow the VP. On the side, always keep yourself ready to move away the VP for either a higher compensation or work location, if the compensation or the new locatio...
by LiveSimple
Mon Jan 15, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: PTO policy after international business travel
Replies: 53
Views: 2974

Re: PTO policy after international business travel

Working from do not give you some options to take a good nap ?
Or work less from home or work flexible, like work at night and nap during day, until your body adjusts.
by LiveSimple
Sun Jan 14, 2018 9:19 am
Forum: Investing - Help with Personal Investments
Topic: how to "know" what asset allocation is right? (crypto windfall)
Replies: 39
Views: 4888

Re: how to "know" what asset allocation is right? (crypto windfall)

keith6014 wrote:
Mon Dec 25, 2017 10:05 am
congrats!

I would do 100% VOO. Even with a 80% drawdown you will still be OK as long as you still work and live below your means.

consider setting up a college scholarship.
+ 1, a smart decision and keeps the emotions out and a simple portfolio.
by LiveSimple
Sat Jan 13, 2018 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Firing real estate agent after offer made?
Replies: 29
Views: 3161

Re: Firing real estate agent after offer made?

Based on the papers signed, you will owe him his commission, if you close the deal, with another agent.
Finish the deal, with him, until the contact expiries.
by LiveSimple
Wed Jan 10, 2018 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with a 25 million windfall?
Replies: 47
Views: 2766

Re: What would you do with a 25 million windfall?

Invest
Travel
Help Charities or Volunteer
See how you can be helpful to the underprivileged

Or Invest and Relax !!!!
by LiveSimple
Wed Jan 10, 2018 10:24 am
Forum: Investing - Theory, News & General
Topic: Accelerated Bookbuild - who's informed and when? And what are the consequences?
Replies: 21
Views: 1064

Re: Accelerated Bookbuild - who's informed and when? And what are the consequences?

I tried to understand, but I did not.

Anyways I am happy, I do not need to understand this.
:D
by LiveSimple
Tue Jan 09, 2018 6:21 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 65
Views: 22242

Re: Fidelity charges to close accounts!

Folks, really does $50 matters, when you transfer your assets worth more.
Call it a “doing business” fees and move on.

Did we not order or buy something from a store worth $50, and not use it ?
by LiveSimple
Mon Jan 08, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity, meeting scheduled with the advisor, what to ask or expect .
Replies: 22
Views: 1602

Re: Fidelity, meeting scheduled with the advisor, what to ask or expect .

I always ask them if I can help them. They have children about to go to college, I have been there and done that. They are still working and would like to invest for retirement. I am early retired, so I have been there and done that. They have clients with behavioral finance issues and I have read ...
by LiveSimple
Mon Jan 08, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity, meeting scheduled with the advisor, what to ask or expect .
Replies: 22
Views: 1602

Re: Fidelity, meeting scheduled with the advisor, what to ask or expect .

If you are considering an AUM arrangement (your assets under their management), I would be very cautious. Several (most?) we have seen were unintelligible portfolios composed of high cost non-portable funds. If you are not considering AUM, reports here have been generally good. Ask about fees. Avoi...
by LiveSimple
Mon Jan 08, 2018 10:51 am
Forum: Investing - Theory, News & General
Topic: Contemplating a sector bet: India
Replies: 17
Views: 1534

Re: Contemplating a sector bet: India

Does Emerging Markets and International Small cover India. Is that not enough ?'

Difficult to answer, If India, why not Malaysia, Thailand, China, South Korea, Philippines, Ireland, etc.
by LiveSimple
Mon Jan 08, 2018 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity, meeting scheduled with the advisor, what to ask or expect .
Replies: 22
Views: 1602

Re: Fidelity, meeting scheduled with the advisor, what to ask or expect .

Appreciate all your thoughts, gained some information, as well. Having account at Fidelity ( and Vanguard ) for 20+ years, maybe walked into a Fidelity office once in 2000. Now thinking of estate planning or a local office for my wife, to walk in, if she needs it when i am gone and not there. Workin...
by LiveSimple
Mon Jan 08, 2018 7:42 am
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 8444

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

These threads should be allowed, here are the reasons. These threads are motivational, for the young generations. I typically show these threads to my kids who are in college, and will start earning, in a year or so. I have shown them the excel spreadsheet the “power of compounding” and agument with...
by LiveSimple
Sun Jan 07, 2018 10:36 pm
Forum: Personal Consumer Issues
Topic: is the cost for using a relocation service to find an apartment worth it?
Replies: 8
Views: 569

Re: is the cost for using a relocation service to find an apartment worth it?

One benefit, I see is the services may match similiar job applicants locations where they preferred or opted right away.

On the same note, using the services may disallow the opportunity to see in person, all available apartments or locations.
by LiveSimple
Sun Jan 07, 2018 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity, meeting scheduled with the advisor, what to ask or expect .
Replies: 22
Views: 1602

Fidelity, meeting scheduled with the advisor, what to ask or expect .

Having a meeting scheduled with the Fidelity advisor. Any suggestions what to discuss or what to expect. Does Fidelity has any levels, based on the assests held ? Do not see a need, but scheduled one, anyways. If you had meet with Fidelity, advisor, please share your experiences or what you will ask...
by LiveSimple
Sun Jan 07, 2018 6:41 pm
Forum: Investing - Theory, News & General
Topic: Does the 3 fund portfolio seem somewhat flawed?
Replies: 79
Views: 5966

Re: Does the 3 fund portfolio seem somewhat flawed?

Nice discussion, appreciate all the contributors.

In summary, from my prespective, to gain a higher return than the total market (?) , do need to have risker assets, hence tilt towards, Mid / Small Caps.
by LiveSimple
Sun Jan 07, 2018 2:31 pm
Forum: Investing - Theory, News & General
Topic: Does the 3 fund portfolio seem somewhat flawed?
Replies: 79
Views: 5966

Re: Does the 3 fund portfolio seem somewhat flawed?

Was this answered ?

wouldn't it make more sense to own:

1/3 Large cap blend index fund
1/3 Mid cap blend index fund
1/3 Small cap blend index fund

The reason is I am thinking the same.
What is the flaw in this plan ?
by LiveSimple
Sat Jan 06, 2018 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Mid Cap Index / Small Cap Index in Taxable
Replies: 9
Views: 821

Mid Cap Index / Small Cap Index in Taxable

Planning to be slice and dice on the US Equity portion. Which means, have to add Mid Cap / Small Cap in the taxable account, going forward ( New money ) Is the Mid Cap Index / Small Cap Index in Taxable tax eficient ? Or do not do it ? Looking for a relatively tax efficient and for sure not to match...
by LiveSimple
Thu Jan 04, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: India tourist visa - possible to expedite?
Replies: 11
Views: 942

Re: India tourist visa - possible to expedite?

Can you pick up the phone, and talk to someone.
by LiveSimple
Wed Jan 03, 2018 4:15 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 141
Views: 8122

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

2888.00 Just a good number with some positive upside
by LiveSimple
Wed Jan 03, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Designing a Portfolio from Scratch
Replies: 3
Views: 279

Re: Designing a Portfolio from Scratch

Based on what we owned or owning or planning to own, here are my picks in ETFs \ Funds Total Stock : VTI, ITOT, SWTSX, VTSAX, FSTVX Mid Cap / Small Cap : VB, VBR, IJH, IJR, VO, VXF, FSCKX FSCKX, VIMSX, VEXAX, VIOO, VIOV,SCHM International : VTIAX, VSS Bond : VWIAX, VBTLX, BIV, EDV Exotic / Sectors :...
by LiveSimple
Wed Jan 03, 2018 6:23 am
Forum: Investing - Theory, News & General
Topic: When married, whose contribution should you prioritize?
Replies: 30
Views: 2842

Re: When married, whose contribution should you prioritize?

Spilt it 60 /40, and you know you get the lowest contribution.

Happy wife is happy life
by LiveSimple
Fri Dec 29, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Plow Guy Raised Rates
Replies: 112
Views: 9264

Re: Plow Guy Raised Rates

I just want to comment on what a great forum this is. I asked a question about somebody raising plow rates $5 and it got almost 40 responses. To finish the post, I've sent out two requests for quotes on the driveway. If they are close to $50, I'll make the switch. It's not about the money, but rath...
by LiveSimple
Mon Dec 25, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Holding cash while researching investment manager
Replies: 51
Views: 2524

Re: Holding cash while researching investment manager

LoL, ok let us be serious. https://www.bogleheads.org/forum/viewtopic.php?t=131471 https://www.whitecoatinvestor.com/150-portfolios-better-than-yours/ Time is your friend, never be too greedy. Pick any of the 150 portfolios or merge and build your own, you will do better. You were asking, the market...
by LiveSimple
Wed Dec 20, 2017 6:31 am
Forum: Investing - Help with Personal Investments
Topic: 100% equity folks- holding any cash/bonds now?
Replies: 38
Views: 2704

Re: 100% equity folks- holding any cash/bonds now?

Yes between the pay day, expenses, savings and investments.
Not a lot, all monies are invested, as a much as possible.
Will ride the economy.

100% stock or 40% stock, have an asset allocation and follow your IPS
by LiveSimple
Sat Dec 16, 2017 3:01 am
Forum: Personal Consumer Issues
Topic: Is a Year on the JOb too Soon to Ask For a Promotion?
Replies: 24
Views: 2023

Re: Is a Year on the JOb too Soon to Ask For a Promotion?

It depends on the value your provide to the team. Job descriptions and the actual work is always different. Nothing stops you to discuss with your manager, about the raise.

The squeaky wheeel, gets the grease.
by LiveSimple
Fri Dec 15, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: The 9.1 billion shares mystery of Googles IPO
Replies: 10
Views: 1897

Re: The 9.1 billion shares mystery of Googles IPO

Around 2005, if I could have scooped Google, at $100. Let us say if I had invested $10,000 at $100, then In 12 years, it is around $100,000 In the same token, if I had invested $10,000 in SP500, that would have grown to $23,000 On the same note, if I had saved the full 401 K limit, then I would have...
by LiveSimple
Wed Dec 13, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: How to deal with Micro-manager
Replies: 42
Views: 3748

Re: How to deal with Micro-manager

Seems like the prior employees, when working remote did not show professionalism, hence this manager turned like this. I know employees given an opportunity to work remote, go overseas ( home country) and work, without even telling. Also some employees do other tasks as well when on a remote call, t...
by LiveSimple
Fri Dec 08, 2017 2:17 pm
Forum: Investing - Theory, News & General
Topic: Which is better: Wellesley or 5-yr 2.5% CD?
Replies: 51
Views: 4025

Re: Which is better: Wellesley or 5-yr 2.5% CD?

If you find a CD, that is the best to not lose any amount

Wellesley may lose, money, based on economy
by LiveSimple
Thu Nov 30, 2017 7:24 am
Forum: Personal Consumer Issues
Topic: Older Software Engineer Advice ~ Languages?
Replies: 41
Views: 3413

Re: Older Software Engineer Advice ~ Languages?

If you want to be in the technical development side, with your limited skillset (?j just jump int business intelligence. Starting from reporting tools like Tabulua, Cognos, etc. these visualizations skills are in demand and the learning do not change much after a few years. If you want to move up, E...
by LiveSimple
Fri Nov 24, 2017 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: if you could use only 1 investment firm...
Replies: 79
Views: 5030

Re: if you could use only 1 investment firm...

We have account at VG and Fidelity.
However for our kids and other younger generation recommend, Fidelity and Schwab.
by LiveSimple
Fri Nov 24, 2017 7:04 am
Forum: Investing - Help with Personal Investments
Topic: Check my portfolio
Replies: 14
Views: 1504

Re: Check my portfolio

4-5 million retirement goal for a 33 year-old just starting out is a pretty lofty goaL, but I think it could be done depending on a few factors. How much do you think you'll be able to invest every year? 60k is the plan. Easy, you can visualize yourself. Open a spreadsheet, and do some easy calcula...
by LiveSimple
Wed Nov 22, 2017 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 12339

Re: Help DW gets fired, but then next day her boss offers her job back

People join a company, and leave their bosses.
Just stay at the same salary and look for a better job.
Just say, will stay if all compensation are the same, they have no choice, actively look out.
by LiveSimple
Tue Nov 21, 2017 3:09 am
Forum: Investing - Help with Personal Investments
Topic: 529 or not 529?
Replies: 21
Views: 2004

Re: 529 or not 529?

Do not think 529 will pan out well for your situation.

Too less time, many decisions to make.

Cash is the king
by LiveSimple
Sun Nov 19, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: Honeymoon Suggestions
Replies: 26
Views: 1900

Re: Honeymoon Suggestions

https://www.google.com/search?q=dominic ... 4717935875


Dominican Republic all paid resorts.
by LiveSimple
Sun Nov 19, 2017 8:20 am
Forum: Investing - Theory, News & General
Topic: Invest using my State's college plan or Another?
Replies: 7
Views: 456

Re: Invest using my State's college plan or Another?

Yes our Vanguard plan is Nevada 529, (I recollect now.)
by LiveSimple
Sun Nov 19, 2017 8:16 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 108
Views: 13200

Re: The valet smashed my Tesla into a brick wall!

may be a small claims court for the "Diminished Value Claim"
by LiveSimple
Sun Nov 19, 2017 7:14 am
Forum: Investing - Theory, News & General
Topic: Invest using my State's college plan or Another?
Replies: 7
Views: 456

Re: Invest using my State's college plan or Another?

You will be invested for 20+ years, please go with the other state which has a lower cost, better index funds, ease of management and in an investment account company you already have an account for your investments, to keep it in one place. We have 529 in Vanguard and Fidelity, with an "Out of stat...
by LiveSimple
Mon Nov 13, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Separate Unlinked Vanguard Account
Replies: 7
Views: 574

Re: Separate Unlinked Vanguard Account

When you open an individual account, it will show only when you login
by LiveSimple
Tue Nov 07, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: Should I terminate my rental contract early and face a penalty of 8k?
Replies: 9
Views: 774

Re: Should I terminate my rental contract early and face a penalty of 8k?

Can you sub lease to a friend / some one, who do an apartment for less money as well, to regain some dollars.
by LiveSimple
Sun Nov 05, 2017 8:45 pm
Forum: Investing - Theory, News & General
Topic: Does Blackrock think it's all a game?
Replies: 33
Views: 4991

Re: Does Blackrock think it's all a game?

If we agree or not, like it or do not like it, gamification has traction today in the industry.
We hear that our corporate, learning systems are redesigned with "gamification" approach.

So nothing bad that Blackrock, state the same