Search found 55705 matches

by livesoft
Mon Sep 25, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Comfort level re: tracking at physical shopping centers
Replies: 10
Views: 629

Re: Comfort level re: tracking at physical shopping centers

You go to shopping centers? What's up with that?
by livesoft
Mon Sep 25, 2017 10:07 pm
Forum: Investing - Theory, News & General
Topic: Which Taxable Lots to Sell during Retirememt?
Replies: 8
Views: 962

Re: Which Taxable Lots to Sell during Retirememt?

That is a short term optimization. Imagine you are 75 and collecting SS and need some cash. Because you sold all the cheap stock, you have to realize 9k of income to get 10k. That gets taxed at like 46% because you are in some as bubble. Maybe you would have better off increasing your AGO at 65. Ma...
by livesoft
Mon Sep 25, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in the right funds for retirement & brokerage account
Replies: 3
Views: 262

Re: Investing in the right funds for retirement & brokerage account

Have you read "Common Sense on Mutual Funds"? FFNOX is the Fidelity 4-in-1 fund and is great fund for the long term in a tax-advantaged account. I would not call it a starter fund, but it is a great fund to start with. FFNOX is not particular tax-efficient. If you are using it to save for a house do...
by livesoft
Mon Sep 25, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Colleague's portfolio
Replies: 4
Views: 287

Re: Help with Colleague's portfolio

I see a clear focus and strategy for this portfolio: Emerging Markets equities and lots of them. I own an EM small-cap ETF and it is up about 30% YTD, so the portfolio in the OP may be kicking butt this year. No hint of the future though. Also, return will depend on when all these investments were p...
by livesoft
Mon Sep 25, 2017 3:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3952
Views: 1039734

Re: U.S. stocks in freefall

At least one ETF that I own had an RBD today.

OTOH, US small cap value funds were up today and have done quite well in the past week.
by livesoft
Mon Sep 25, 2017 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: dividend paying stock
Replies: 2
Views: 396

Re: dividend paying stock

Many many stock screeners found online and at your broker can be used to screen for ticker symbols that pay dividend or to exclude ticker symbols that don't pay a dividend. Anyways, a screener is a good way to get a list of dividend paying stocks.
by livesoft
Mon Sep 25, 2017 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request - Taxes, Risk, and Investing for Minors
Replies: 5
Views: 153

Re: Portfolio Review Request - Taxes, Risk, and Investing for Minors

Also I read your post from August about inheriting shares. Those shares should have all been sold by now before they gained anymore and invested in passively-managed, low-expense ratio index funds. Was it a hassle to work with CompuShares?
by livesoft
Mon Sep 25, 2017 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request - Taxes, Risk, and Investing for Minors
Replies: 5
Views: 153

Re: Portfolio Review Request - Taxes, Risk, and Investing for Minors

Conversions of traditional IRA / 401(k) to Roth IRA are a kind of strategy of shifting assets from taxable to tax-advantaged, but only as long as one pays the taxes from a taxable account.
by livesoft
Mon Sep 25, 2017 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request - Taxes, Risk, and Investing for Minors
Replies: 5
Views: 153

Re: Portfolio Review Request - Taxes, Risk, and Investing for Minors

If your children can tax-gain harvest, then they should do so and replace their individual stocks with passively-managed, low-expense-ratio index funds. These kinds of investments were not really available when your father was investing, but they are now. So do not put an albatross around your child...
by livesoft
Mon Sep 25, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Buying 14 Plane Tickets - Sac to Cabo San Lucas
Replies: 10
Views: 1073

Re: Buying 14 Plane Tickets - Sac to Cabo San Lucas

It doesn't read to me like you all need to fly the same airlines, nor the same planes, nor even the same days. I'd just make everyone get their own tickets. You can always reimburse them if you want to.
by livesoft
Mon Sep 25, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Newbie - Help with Vanguard Dividends
Replies: 7
Views: 648

Re: Newbie - Help with Vanguard Dividends

Why mess around with your money. Call up Vanguard and ask them. I read here that they have good customer service.
by livesoft
Mon Sep 25, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Do you avoid risky adventures once you have the money?
Replies: 56
Views: 2191

Re: Do you avoid risky adventures once you have the money?

I have fallen off a cliff. It is not fun. So no, I do not avoid risky adventures.

I had to climb back up by myself before I was taken to a hospital.
by livesoft
Mon Sep 25, 2017 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Best Place to Start Taxable Investing? Same or Different than IRAs?
Replies: 6
Views: 570

Re: Best Place to Start Taxable Investing? Same or Different than IRAs?

1. Your individual brokerage account is already your Fidelity taxable account. You don't need another one. You already have one. 2. Please check your sentences and edit because something doesn't make sense with what you wrote. 3. Fidelity is supposed to have good customer service. Why not call them ...
by livesoft
Mon Sep 25, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Are all investments compound interest?
Replies: 50
Views: 2562

Re: Are all investments compound interest?

I would just say that not all investments compound interest. Most investments compound growth.
by livesoft
Mon Sep 25, 2017 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Are all investments compound interest?
Replies: 50
Views: 2562

Re: Are all investments compound interest?

Thanks for all of your replies and answers. My question is this: If investments do not compound, why do all financial books have graphs on the "power of compounding"?? I still am not clear if the money I have in my Roth IRA at Vanguard with 740 shares of VFFVX (Vanguard Target Retirement 2055 Fund ...
by livesoft
Mon Sep 25, 2017 6:35 am
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 79
Views: 3646

Re: Where do you get your news?

I get my news from everywhere.

allsides.com is an online news aggregator with articles from many different media outlets.
by livesoft
Mon Sep 25, 2017 6:32 am
Forum: Investing - Theory, News & General
Topic: Which Taxable Lots to Sell during Retirememt?
Replies: 8
Views: 962

Re: Which Taxable Lots to Sell during Retirememt?

I don't think there is a "best." I don't want to increase my Adjusted Gross Income and therefore my Taxable Income from my investments while I am doing Roth conversions. But I also want to maintain my asset allocation. So I always tax-loss harvest by selling losers in taxable. I do Roth conversions ...
by livesoft
Mon Sep 25, 2017 5:28 am
Forum: Investing - Help with Personal Investments
Topic: Invest 400k Cash ?
Replies: 6
Views: 958

Re: Invest 400k Cash ?

It appears, but I cannot be sure, that you have some accounts at Fidelity. So invest the $400K for the long-term in Fidelity index funds. I recommend that you do not put any bond funds in your taxable account, so just invest in a Total US Stock Market Index fund such as FSTVX and Total International...
by livesoft
Mon Sep 25, 2017 4:35 am
Forum: Investing - Help with Personal Investments
Topic: Bonds & Bond ETFs
Replies: 2
Views: 346

Re: Bonds & Bond ETFs

I invest in bond ETFs and bond funds. I have narrowed down my choices to 3 very similar intermediate-term bond ETFs/funds and one single short-term bond ETF/fund. The only useful web site for me is morningstar.com because I use the charting feature there to decide when to place trades. There is real...
by livesoft
Mon Sep 25, 2017 4:24 am
Forum: Personal Finance (Not Investing)
Topic: Best Place to Start Taxable Investing? Same or Different than IRAs?
Replies: 6
Views: 570

Re: Best Place to Start Taxable Investing? Same or Different than IRAs?

There are NO benefits to Vanguard Select and Flagship, so I can say the answer to your question #2 is Yes.

In your case, since you are familiar with Fidelity, then you should open a joint taxable account at Fidelity. If you don't like it, then you can always switch.
by livesoft
Sun Sep 24, 2017 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: help with 401K, high fees and commissions
Replies: 5
Views: 372

Re: help with 401K, high fees and commissions

The expense ratios / fees do not seem to be terribly high. My spouse had a plan with 2% fees. I suggest that your wife max out her 401(k) contribuitons.

Does her plan have a loan provision? If so, how does it work?
by livesoft
Sun Sep 24, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Just Need Encouragement to Stick with TSP G Fund over F Fund
Replies: 14
Views: 1000

Re: Just Need Encouragement to Stick with TSP G Fund over F Fund

I was just evaluating today my own "stable value" fund, namely the TIAA Traditional Annuity that I have in the portfolio. It is my worst performer year-to-date. Next worst is TIAA Real Estate Account. My bond funds and even my small-cap value funds have done better than these TIAA products and bette...
by livesoft
Sun Sep 24, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 69
Views: 3429

Re: Bogleheads monthly costs of dog ownership?

Anyone else here have dog at home all day while working? One frustrating thing to me is rescues expect homeowners to somehow "be at home all day". Unless retired or work from home, just not realistic. Last I checked they are in kennel at rescue center. Our dog stayed home all day by himself when we...
by livesoft
Sun Sep 24, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 23654

Re: Calling out the not so rich bogleheads

^Yes, indeed. If I had learned about careers, investing, saving, car buying, home buying, having children, and paying for college only from my 30-something cohorts back in the day, then I would probably be up to my eyeballs in debt still today.
by livesoft
Sun Sep 24, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: 28 Year Old having a Crisis, how am I doing?
Replies: 15
Views: 2138

Re: 28 Year Old having a Crisis, how am I doing?

Sounds like you are doing much better at age 28 than my spouse and I were doing. Everybody's life is different and you have to live your own life. I don't see any insurmountable issues based on your short post, but I don't know you really.
by livesoft
Sun Sep 24, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 23654

Re: Calling out the not so rich bogleheads

I think many of the high net worth folks that are posting used to be low net worth folks and also had low incomes when they were younger. That is, they were "not so rich" earlier in their lives.
by livesoft
Sun Sep 24, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: The cost of walking el Camino de Santiago
Replies: 116
Views: 21172

Re: The cost of walking el Camino de Santiago

She spent a lot of time in Spain, but was only on the Camino for about 8 days ending in Santiago.
by livesoft
Sun Sep 24, 2017 8:51 am
Forum: Investing - Theory, News & General
Topic: Bond funds and stock funds, which one is riskier?
Replies: 23
Views: 1581

Re: Bond funds and stock funds, which one is riskier?

To justify owning a bond fund in a rising interest environment: For a bond fund with 5 year duration, e.g., if the interest rises 1%, the value of the bond fund decreases 5%. But if you hold the fund for 5 years, you get it even since the fund pays a higher interest rate. I think the above premise ...
by livesoft
Sun Sep 24, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: The right offer on a home
Replies: 10
Views: 1006

Re: The right offer on a home

I think the home is worthless. You can get comps for the land. You are buying it for the land anyways. I suppose the owner wants one of the adjacent horse farms to buy it.
by livesoft
Sun Sep 24, 2017 2:31 am
Forum: Investing - Help with Personal Investments
Topic: Are all investments compound interest?
Replies: 50
Views: 2562

Re: Are all investments compound interest?

The reported rate is an annualized rate if it says it is an annualized rate.
by livesoft
Sun Sep 24, 2017 2:18 am
Forum: Investing - Help with Personal Investments
Topic: Are all investments compound interest?
Replies: 50
Views: 2562

Re: Are all investments compound interest?

Here is a wiki article: https://www.bogleheads.org/wiki/Percent ... n_and_loss

No, all investments do not compound interest.
by livesoft
Sat Sep 23, 2017 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay ZERO taxes in retirement with 6-figure expenses
Replies: 174
Views: 88035

Re: How to pay ZERO taxes in retirement with 6-figure expenses

^I'm not sure what you mean. I don't pay zero taxes today. I prefer to make Roth conversions up to the top of the 15% marginal income tax bracket and my spouse works full-time. We certainly have more in our portfolio than the starting point of this thread almost 6 years ago.
by livesoft
Sat Sep 23, 2017 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Just Need Encouragement to Stick with TSP G Fund over F Fund
Replies: 14
Views: 1000

Re: Just Need Encouragement to Stick with TSP G Fund over F Fund

Normally, the reason Bogleheads like the total bond market index is that it is very well diversified. I think that's a bit presumptuous, so allow another presumptuous opinion: I think the reason Bogleheads like the total bond market index is because a few folks told them that they should like the t...
by livesoft
Sat Sep 23, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: When does whole life make sense ?
Replies: 8
Views: 711

Re: When does whole life make sense ?

It sure reads that you will be leaving a legacy for your children. First, you have life insurance when you think your portfolio isn't legacy-worthy. Second, your portfolio has 30 years to become legacy-worthy (or whatever is the number of years remaining on your 30-year term life). Third, it looks l...
by livesoft
Sat Sep 23, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 72
Views: 5826

Re: Help?! My 70 year old father is 100% invested in equities

You could offer to calculate the annual performance (or over any 2 dates) for the portfolio that you dad has by using XIRR(), Quicken, or MS Money. You would need to know the transaction information which he may not give you. Then if his portfolio does better than say Total Stock Market, he should b...
by livesoft
Sat Sep 23, 2017 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Is it a good time to buy Apple Stock on 9/23?
Replies: 18
Views: 1775

Re: Is it a good time to buy Apple Stock on 9/23?

If you don't mind losing money, I don't see why you don't buy 100 shares of AAPL, but $100,000 worth without any prior experience with stocks: I don't think so.

Full disclosure: I would not bother to own a single stock anymore.
by livesoft
Sat Sep 23, 2017 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: REBALNCE: TLH partner, BONDs
Replies: 7
Views: 263

Re: REBALNCE: TLH partner, BONDs

Yes, it is funny. I wouldn't use a SV fund unless the yield was at least 2.5% annually.
by livesoft
Sat Sep 23, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: REBALNCE: TLH partner, BONDs
Replies: 7
Views: 263

Re: REBALNCE: TLH partner, BONDs

Your stable value fund is up less than 1% YTD, so I think it is a loser of a stable value fund. I would take the risk and use a bond fund. The YTD of the bond fund that you reported looks suspiciously low, so it is probably not really YTD, so what is it? First 6-months?
by livesoft
Sat Sep 23, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: REBALNCE: TLH partner, BONDs
Replies: 7
Views: 263

Re: REBALNCE: TLH partner, BONDs

My thoughts are that your post is way, way, way, way, way too difficult to decipher. You got colors and CAPS and dashes and different font sizes and other things. Sorry, but them's my thoughts.
by livesoft
Sat Sep 23, 2017 7:05 pm
Forum: Investing - Theory, News & General
Topic: a really beginner question [Why are the fund prices different?]
Replies: 11
Views: 1229

Re: a really beginner question [Why are the fund prices different?]

One share class is like alanine, but another share class is like Ala-Ala, and another share class might even be a tripeptide.
by livesoft
Sat Sep 23, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 37
Views: 3122

Re: Toilet Woes

neilpilot wrote:
Sat Sep 23, 2017 5:15 pm
Fine, but do you really think that the OP's newly installed fill valve, that didn't correct the issue, is the problem?
Yes, if it was installed incorrectly (i.e. the same way) twice.
by livesoft
Sat Sep 23, 2017 6:44 pm
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 134
Views: 9327

Re: Lifestyle Creep

Avoided the 3-car lifestyle creep when our 2 kids became drivers. I walked, rode my bike, or didn't go. Or we arranged schedules and "car-pooled." By that I mean that my teen-age son had to get up early and take my spouse to work at 7 am, if he wanted a car any time before 5 pm. Always avoided hirin...
by livesoft
Sat Sep 23, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: BP monitor inaccurate–how to recalibrate? Or replace with which brand?
Replies: 11
Views: 597

Re: BP monitor inaccurate–how to recalibrate? Or replace with which brand?

As someone who has done hundreds of BP measurements with a stethoscope and Hg doo-dad or other pressure gauge, just releasing the pressure at a different rate relative to heart rate could give wildly different numbers. For instance, my resting heart rate is around 40, so by the time a heart beat is ...
by livesoft
Sat Sep 23, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: BP monitor inaccurate–how to recalibrate? Or replace with which brand?
Replies: 11
Views: 597

Re: BP monitor inaccurate–how to recalibrate? Or replace with which brand?

teacher wrote:
Sat Sep 23, 2017 2:51 pm
Ten to twenty points higher could indicate medication.
Better start eating lots of chocolate before your measurement periods then.
by livesoft
Sat Sep 23, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: The cost of walking el Camino de Santiago
Replies: 116
Views: 21172

Re: The cost of walking el Camino de Santiago

My spouse said she spent about 200 euros a day in May 2016 and stayed in the some very fine hotels which were reached by being picked up from the Camino by her guide in a van. The next morning she was deposited by the van to about the same place. She only needed a fanny pack and a water bottle while...
by livesoft
Sat Sep 23, 2017 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Large inheritance -questions to ask potential advisors
Replies: 27
Views: 2432

Re: Large inheritance -questions to ask potential advisors

In a one time consultation, a CPA could explain to him capital gains tax brackets, RMDs (if any of the funds are in an IRA), taxes on ordinary dividends vs tax exempt muni bonds, strategies to shelter the funds in his own IRA or 529 accounts, etc. I suppose that is true, but the internet is not bro...
by livesoft
Sat Sep 23, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 37
Views: 3122

Re: Toilet Woes

Your description sounds like it has absolutely nothing to do with the toilet bowl.

Here's a tip: Pretend you are a water molecule. What are you doing when someone flushes the toilet? You can pretend you start in the feed pipe and anywhere along the path to the sewer.
by livesoft
Sat Sep 23, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: BP monitor inaccurate–how to recalibrate? Or replace with which brand?
Replies: 11
Views: 597

Re: BP monitor inaccurate–how to recalibrate? Or replace with which brand?

I cannot imagine that any external method of measuring blood pressure is accurate or precise to 4 units. I would even wonder how it was determined that the "Kaiser" measurements were accurate and/or precise. But fortunately, I don't think anyone needs to know what their blood pressure is to within b...
by livesoft
Sat Sep 23, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Anyone used Amazon to buy household goods
Replies: 26
Views: 1772

Re: Anyone used Amazon to buy household goods

I think retail stores know that people do shop online, so they have lowered their sale prices on household goods. We don't buy enough household goods to worry about it. For instance, I just bought some shampoo at Walmart because I was in there for something else. My last shampoo lasted 1.5 years. We...