Search found 65531 matches

by livesoft
Sat Apr 20, 2019 8:31 pm
Forum: Personal Consumer Issues
Topic: Is Crown Molding Out-of-Style?
Replies: 19
Views: 1923

Re: Is Crown Molding Out-of-Style?

Dottie57 wrote:
Sat Apr 20, 2019 7:19 pm
It also does not go well with popcorn ceilings.
Now that's something that has been long out of style, right?
by livesoft
Sat Apr 20, 2019 6:45 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig WSJ: You, Dear Investor,Are Patient, Prudent And Calm
Replies: 12
Views: 1804

Re: Jason Zweig WSJ: You, Dear Investor,Are Patient, Prudent And Calm

Vanguard inhibits trades so much that anybody who would be considering action probably has already left Vanguard.

My last trade in my Vanguard taxable account was more than 10 years ago. I don't even have dividends re-invested, but have them sent to my checking account.
by livesoft
Sat Apr 20, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: Is Crown Molding Out-of-Style?
Replies: 19
Views: 1923

Re: Is Crown Molding Out-of-Style?

All the homes in our neighborhood have crown molding. It looks great. All the homes have 9 ft ceilings which I think is just normal height.

I didn't even know it was a style.
by livesoft
Sat Apr 20, 2019 1:01 pm
Forum: Personal Investments
Topic: International fund in trad IRA
Replies: 6
Views: 243

Re: International fund in trad IRA

does anyone have international finds in an ira that they currently taking RMDs? Yes. I don't see any problems holding a developed market index fund in any account. Other asset classes that you own and other accounts that you have will dictate whether that is prudent or not. For instance, if you had...
by livesoft
Sat Apr 20, 2019 12:55 pm
Forum: Personal Consumer Issues
Topic: Getting rid of spam
Replies: 17
Views: 894

Re: Getting rid of spam

Do you know how to mark an e-mail message as spam and have your e-mail program never show e-mails to you from that place again? I think that also helps the program decide between spam and bacon for everyone.
by livesoft
Sat Apr 20, 2019 7:25 am
Forum: Personal Investments
Topic: Help Clean Up Retirement Savings - Half one stock
Replies: 9
Views: 931

Re: Help Clean Up Retirement Savings - Half one stock

It is way past time to do some tax returns to see where all this lands. By using tax prep software one will see how social security benefits are included, how the standard deduction works, how some other things work like tax credits. A few "What if?" scenarios will get things straightened out. And m...
by livesoft
Fri Apr 19, 2019 7:43 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 72
Views: 2673

Re: How far would you commute?

Hypothetically, if during the accumulation phase of your career, you had the following options: 1) 3 mile bike/drive to work - comp 150k 2) 3 mile bike/drive to express bus (17 minute bus ride, no stops) - comp 170k which would you pick, assume you can't move 3 miles from job in option 2 due to spo...
by livesoft
Fri Apr 19, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: In search of a dishwasher that dries plastics well...
Replies: 50
Views: 1679

Re: In search of a dishwasher that dries plastics well...

Somewhat related, but I really don't understand the point of dishwashers. They are not economical (most at least), take a long time to load and unload, and don't even wash well. You often need to pre-wash also for many dishes or scrub all of the debris off before the actual washing. I much prefer t...
by livesoft
Fri Apr 19, 2019 5:13 pm
Forum: Personal Investments
Topic: What should I know before selling a mutual fund for the first time?
Replies: 6
Views: 602

Re: What should I know before selling a mutual fund for the first time?

You should read and understand IRS Publication 550. Simple.
by livesoft
Fri Apr 19, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card for College Freshman
Replies: 46
Views: 1650

Re: Best Credit Card for College Freshman

We never put our kids' names on our credit cards. They never asked us for help getting a credit card. I've told them that I am available to discuss offers that they might get in the mail if they want some advice. Some how they managed on their own without my involvement. For all I know, they both ha...
by livesoft
Fri Apr 19, 2019 3:15 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 72
Views: 2673

Re: How far would you commute?

My rule is 3 miles. It is a hard rule that has served me well.
by livesoft
Fri Apr 19, 2019 2:13 pm
Forum: Personal Investments
Topic: How does an international mutual fund pay foreign income tax
Replies: 6
Views: 553

Re: How does an international mutual fund pay foreign income tax

You "receive" the dividend less the foreign tax taken out. Your 1099-DIV (if you get one) for such a situation will show the full dividend without the foreign tax paid taken out as your income from that fund. You will have to figure out how to get a tax credit for the foreign taxes you paid. The for...
by livesoft
Fri Apr 19, 2019 1:07 pm
Forum: Personal Investments
Topic: Investing in someones YouTube channel?
Replies: 17
Views: 786

Re: Investing in someones YouTube channel?

Anyone can check the analytics of the channel or similar existing channels to see how much the channel might be earning or expected to earn. It does cost time and effort to produce channel content and keep it updated and all the associated stuff. And time and effort is another way of saying "money" ...
by livesoft
Fri Apr 19, 2019 12:58 pm
Forum: Personal Investments
Topic: How does an international mutual fund pay foreign income tax
Replies: 6
Views: 553

Re: How does an international mutual fund pay foreign income tax

The taxes are generally paid on dividends and out of the dividend money. That means since the NAV drops when the dividend is paid one can say that Yes, their foreign income tax payments lower the net asset value of the fund since dividends paid lower the net asset value of the fund. But I hope you c...
by livesoft
Fri Apr 19, 2019 12:53 pm
Forum: Personal Investments
Topic: Structuring Portfolio for Moderate Income Withdrawal?
Replies: 10
Views: 519

Re: Structuring Portfolio for Moderate Income Withdrawal?

Do we even really know what he is paying the FA? Let's stick with the facts please.

It is true that the SWR has to include fees paid out the withdrawal just like any other expense such as taxes, food, vacations, rent, mortgage, vehicle loans, utilities, insurance, ....
by livesoft
Fri Apr 19, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 88
Views: 2944

Re: At what point would you hire someone vs. cut down a tree yourself?

I would have no qualms about doing a 25 ft tree myself in stages. I've even let such trees decay enough that I could push them over. And then once laying on the ground, I left them to rot away. So I guess it would all depend on something else beside the height of this tree on whether I would do it m...
by livesoft
Fri Apr 19, 2019 11:41 am
Forum: Personal Finance (Not Investing)
Topic: The reality of borrowing from your 401k for home mortgage
Replies: 48
Views: 2992

Re: The reality of borrowing from your 401k for home mortgage

bostonengineer wrote:
Fri Apr 19, 2019 11:39 am
- We don't plan on having kids and aren't looking for a 4br home
When buying a home I think one should consider re-saleability and not just one's needs. Maybe a 4 br would make the home easier to sell in the future?
by livesoft
Fri Apr 19, 2019 11:38 am
Forum: Personal Investments
Topic: The Final Definitive Thread on Best Brokerage
Replies: 18
Views: 1381

Re: The Final Definitive Thread on Best Brokerage

I re-post my brokerage criteria from 2008, 2014, 2017, ... with some minor edits to update it. Let's face it, what a Boglehead would want from a brokerage is not what a trader would want from a brokerage. Here are some criteria in order of importance: 1. Low cost. The lowest cost is now free, so if ...
by livesoft
Fri Apr 19, 2019 11:06 am
Forum: Investing - Theory, News & General
Topic: Alpha using rebalancing rules
Replies: 5
Views: 221

Re: Alpha using rebalancing rules

No new knowledge was imparted by reading that article. Basically it was a stealth advertisement for the services of the company. It is even possible that the alpha was not versus an index fund portfolio, too. Very opaque.
by livesoft
Fri Apr 19, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Need vacuum recomendations
Replies: 41
Views: 3796

Re: Need vacuum recomendations

OP here: thanks for all of the suggestions! We ended up ordering the shark off of Amazon. How is your shark doing? We're thinking about getting one. Large shedding dog, multiple surfaces. Just last week I emptied our Shark. The brush roller had a lot of dog hair in it, but it has a groove to allow ...
by livesoft
Fri Apr 19, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: In search of a dishwasher that dries plastics well...
Replies: 50
Views: 1679

Re: In search of a dishwasher that dries plastics well...

^You probably at least use the dishwasher as a drying rack, right? Or maybe dish storage? Otherwise it takes up too much precious kitchen volume to be wasted.
by livesoft
Fri Apr 19, 2019 8:34 am
Forum: Personal Investments
Topic: Thinking about selling stocks near all time highs
Replies: 84
Views: 6698

Re: Thinking about selling stocks near all time highs

^I love that train analogy. Thanks for posting it!
by livesoft
Fri Apr 19, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: In search of a dishwasher that dries plastics well...
Replies: 50
Views: 1679

Re: In search of a dishwasher that dries plastics well...

I have a Bosch, too. The solution is easy: 1. Don't buy plastics that can hold water in a puddle. 2. If you do, then load the dishwasher, so that the puddle cannot form: tilt everything. 3. If you still get puddles, then before unloading take a paper towel or clean cloth and dab all such puddles dry...
by livesoft
Fri Apr 19, 2019 8:18 am
Forum: Personal Investments
Topic: Structuring Portfolio for Moderate Income Withdrawal?
Replies: 10
Views: 519

Re: Structuring Portfolio for Moderate Income Withdrawal?

I'd recommend starting at most at a 3.5% sustained withdrawal rate. So if $1.3M that is $11,375 per quarter.

See also: https://earlyretirementnow.com/2016/12/ ... t-1-intro/

You can always change it later.
by livesoft
Fri Apr 19, 2019 8:14 am
Forum: Personal Investments
Topic: Structuring Portfolio for Moderate Income Withdrawal?
Replies: 10
Views: 519

Re: Structuring Portfolio for Moderate Income Withdrawal?

RegattaJoe wrote:
Fri Apr 19, 2019 8:13 am
Thanks. This sounds good. I think I used the word "structure" incorrectly. In general, though, you think a $12k (for example) quarterly draw on a portfolio our size is doable?
Did you state how long you want this to go on?
by livesoft
Fri Apr 19, 2019 8:10 am
Forum: Personal Investments
Topic: Structuring Portfolio for Moderate Income Withdrawal?
Replies: 10
Views: 519

Re: Structuring Portfolio for Moderate Income Withdrawal?

I think it is a mistake to "structure" for income. Instead, just set up a tax-efficient investment portfolio in the asset allocation that you desire. I have done so. Our spending money comes from qualified dividend income from passively-managed, low-expense-ratio index funds of equities paid out eve...
by livesoft
Fri Apr 19, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: Air Purifier for Bedroom?
Replies: 14
Views: 896

Re: Air Purifier for Bedroom?

Pollen has been particularly bad in our area, maybe yours as well? If you take a pill, do your symptoms go away? We use BoAir permanent air filters that one washes periodically. They do a great job of trapping dust and other stuff. I just used my power washing to clean them, but below is a photo AFT...
by livesoft
Fri Apr 19, 2019 7:18 am
Forum: Personal Finance (Not Investing)
Topic: The reality of borrowing from your 401k for home mortgage
Replies: 48
Views: 2992

Re: The reality of borrowing from your 401k for home mortgage

..., but the lost opportunity cost of saving a large sum of money returning no interest for a long period of time. So invest the money and don't put it in a no interest account. You have no deadline to buy a home. If your investments tank, then delay buying, make a smaller down payment, buy a small...
by livesoft
Fri Apr 19, 2019 7:13 am
Forum: Personal Finance (Not Investing)
Topic: The reality of borrowing from your 401k for home mortgage
Replies: 48
Views: 2992

Re: The reality of borrowing from your 401k for home mortgage

I won't directly answer your question, but will tell you about our saving for a home down payment, our home buying, and our 401(k) loan First, you are only 27. I was married at that age and renting. We invested our money for a home down payment. That means we did not bother with savings accounts, bu...
by livesoft
Fri Apr 19, 2019 5:45 am
Forum: Personal Investments
Topic: Thinking about selling stocks near all time highs
Replies: 84
Views: 6698

Re: Thinking about selling stocks near all time highs

I am thinking about selling some stock ETFs after one of the strongest gains in the stock market since christmas 2018. I know that this slope that we're on cannot continue and has never historically continued at this rate, so a correction is inevitable. The first sentence mentions December 2018 and...
by livesoft
Thu Apr 18, 2019 6:30 pm
Forum: Personal Investments
Topic: TD Ameritrade Automatic allocation
Replies: 3
Views: 211

Re: TD Ameritrade Automatic allocation

This is true. One does have to pay a commission to buy/sell Vanguard ETFs at TDAmeritrade nowadays, but there are near-equivalents that for which there are no-commissions. I leave it to you to learn how to find them and use them. Note that ETF orders to buy submitted by you must be a for a whole (in...
by livesoft
Thu Apr 18, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Is Form 5500 Required
Replies: 4
Views: 334

Re: Is Form 5500 Required

And when the account gets above $250,000 then Form 5500SF is very simple to file electronically.
by livesoft
Thu Apr 18, 2019 3:26 pm
Forum: Personal Investments
Topic: M1 Finance
Replies: 30
Views: 2121

Re: M1 Finance

Can one use M1 Finance to create a portfolio of ETFs that would mimic Wellesley or Wellington?
by livesoft
Thu Apr 18, 2019 11:32 am
Forum: Investing - Theory, News & General
Topic: [Where to find quarterly fund performance numbers?]
Replies: 1
Views: 96

Re: [Where to find quarterly fund performance numbers?]

Morningstar.com has a lot of information. Have you ever looked at that web site?
by livesoft
Thu Apr 18, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: Bogleheads privacy warning
Replies: 61
Views: 5208

Re: Bogleheads privacy warning

hornet96 wrote:
Thu Apr 18, 2019 8:59 am
The good news for you is that with your 60,000+ posts, you come up 2nd in the general Google search results in incognito mode. Congrats.
I do get their e-mail though.
by livesoft
Thu Apr 18, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Priority Express 1-Day might in effect by a 2-Day service?
Replies: 10
Views: 559

Re: Priority Express 1-Day might in effect by a 2-Day service?

InvisibleAerobar wrote:
Thu Apr 18, 2019 11:17 am
update: it actually did arrive on time, after all.
There you go.
by livesoft
Thu Apr 18, 2019 8:44 am
Forum: Personal Consumer Issues
Topic: Bogleheads privacy warning
Replies: 61
Views: 5208

Re: Bogleheads privacy warning

The forum has "show all posts by hornet96" link:
search.php?author_id=41214&sr=posts
by livesoft
Thu Apr 18, 2019 1:30 am
Forum: Personal Investments
Topic: "Never time the market" vs. lump sum investment
Replies: 148
Views: 15067

Re: "Never time the market" vs. lump sum investment

People buy insurance all the time for events that are unlikely to happen. The DCA folks are simply paying 1% to 3% of total portfolio value (it comes from missing out on expected gains, not from the initial portfolio amount) in order to avoid the one-third chance of doing worse than Lump Sum. I don'...
by livesoft
Wed Apr 17, 2019 10:19 pm
Forum: Personal Consumer Issues
Topic: Priority Express 1-Day might in effect by a 2-Day service?
Replies: 10
Views: 559

Re: Priority Express 1-Day might in effect by a 2-Day service?

It doesn't help you, but sometimes 3-day service gets the package there the next day. I have to say that I've been pleasantly surprised by how fast things can be. And with more or less near-real-time tracking, I can only think of all the postal employees in the pipeline working at all hours to have ...
by livesoft
Wed Apr 17, 2019 10:06 pm
Forum: Personal Investments
Topic: Inherited Keogh / Stock Basis
Replies: 8
Views: 375

Re: Inherited Keogh / Stock Basis

And one doesn't pay capital gains taxes on withdrawals anyways. One pays ordinary income taxes at whatever rate is figured out on their Form 1040.
by livesoft
Wed Apr 17, 2019 9:48 pm
Forum: Personal Investments
Topic: Couple Noob Questions
Replies: 6
Views: 636

Re: Couple Noob Questions

If my 401k has 100k in it and it's currently set to 80/20 (stocks/bonds), I can instantly change it to 60/40 by changing the percentage. For the Roth IRA, if I'm 80/20, I would have to sell some stocks for bonds to re-balance or slowly purchase bonds with my contribution limit. Right? If you change...
by livesoft
Wed Apr 17, 2019 9:46 pm
Forum: Personal Consumer Issues
Topic: Bogleheads privacy warning
Replies: 61
Views: 5208

Re: Bogleheads privacy warning

WildBill wrote:
Wed Apr 17, 2019 9:24 pm
They’ll be coming for the Dr Pepper
It's stored in my subterranean vault. All 88 cents worth of it. :)
by livesoft
Wed Apr 17, 2019 8:15 pm
Forum: Personal Consumer Issues
Topic: Bogleheads privacy warning
Replies: 61
Views: 5208

Re: Bogleheads privacy warning

retire2022 wrote:
Wed Apr 17, 2019 8:08 pm
livesoft what about pot stocks? :)
I have some pots out on the patio and anybody is welcome to plant some impatiens or other flowers in them.

My index funds may have marijuana stocks, but those index funds are not in my home.
by livesoft
Wed Apr 17, 2019 8:06 pm
Forum: Personal Consumer Issues
Topic: Bogleheads privacy warning
Replies: 61
Views: 5208

Re: Bogleheads privacy warning

I think I'm good since at home we have no gold, no cash, no jewelry, no guns, no drugs, and not much of anything of value.
by livesoft
Wed Apr 17, 2019 7:25 pm
Forum: Investing - Theory, News & General
Topic: "Putting a Value on Your Value"
Replies: 7
Views: 704

Re: "Putting a Value on Your Value"

The white paper exaggerates wherever it can in order to help salesreps and mostly covers a lot of low-hanging fruit.

There is a previous discussion from a couple years ago:
viewtopic.php?t=157683
by livesoft
Wed Apr 17, 2019 7:15 pm
Forum: Personal Investments
Topic: Couple Noob Questions
Replies: 6
Views: 636

Re: Couple Noob Questions

1. No that is not correct. In a Roth IRA, one can sell the shares they already own to go to cash or to buy something else. That is, in a Roth IRA one is not locked in to anything. So the Roth IRA is just exactly like the 401(k) in that respect (except for ...). In the Roth IRA one must meet the init...
by livesoft
Wed Apr 17, 2019 2:37 pm
Forum: Personal Investments
Topic: Updating Outside Investments on Web Site
Replies: 13
Views: 591

Re: Updating Outside Investments on Web Site

Updating of outside investments has always had problems. Since I make so few transactions I don't have any automated updates happening in that I have not revealed to Vanguard any of my login credentials for any outside accounts. In fact, I haven't done that at any web site. But what bugs me is that ...
by livesoft
Wed Apr 17, 2019 11:41 am
Forum: Personal Investments
Topic: Does Vanguard Offer Automatic Rebalancing
Replies: 13
Views: 1586

Re: Does Vanguard Offer Autmatic Rebalancing

Does the automated rebalancing in the OP's 401(k) cost any extra in [possibly hidden] fees or higher expense ratios? Perhaps the employer pays for that option?
by livesoft
Wed Apr 17, 2019 9:06 am
Forum: Personal Investments
Topic: Why buy a CD with a brokerage firm?
Replies: 17
Views: 1171

Re: Why buy a CD with a brokerage firm?

One might ask as well: Why buy a CD at all from anywhere?
by livesoft
Wed Apr 17, 2019 7:53 am
Forum: Personal Finance (Not Investing)
Topic: "When Adding to Your Retirement Account is a Bad Idea"
Replies: 29
Views: 3761

Re: "When Adding to Your Retirement Account is a Bad Idea"

I looked briefly at the Vanguard RMD calculator. It only calculates the RMD. It does not figure out taxes because it doesn't take into account the automated increases in the standard deduction and other things. I do agree that there is no point in contributing to a non-deductible tIRA unless the mon...