Search found 67723 matches

by livesoft
Thu Nov 07, 2019 3:12 am
Forum: Personal Investments
Topic: convincing someone of the wisdom of 'buy and hold' instead of selling in a market crash
Replies: 38
Views: 2610

Re: convincing someone of the wisdom of 'buy and hold' instead of selling in a market crash

marcopolo wrote:
Wed Nov 06, 2019 4:55 pm
Are you postulating that most people that claim to have an AA that they maintain are really not following through on it?
Yes. Definitely, especially during stock market crashes.
by livesoft
Wed Nov 06, 2019 4:35 pm
Forum: Personal Investments
Topic: convincing someone of the wisdom of 'buy and hold' instead of selling in a market crash
Replies: 38
Views: 2610

Re: convincing someone of the wisdom of 'buy and hold' instead of selling in a market crash

If it is bad to sell when the market is crashing and buy when stocks are going up, then the opposite must do wonders for one's portfolio. How many people who responded actually do buy more equities when the market are crashing? The reality is that the above does not doom one to a life of poverty. It...
by livesoft
Wed Nov 06, 2019 4:29 pm
Forum: Personal Consumer Issues
Topic: How to Clean Large Outdoor Ceramic Tile Porch
Replies: 10
Views: 463

Re: How to Clean Large Outdoor Ceramic Tile Porch

A pressure washer would make too much mess, take too long, and disturb the neighbors. Not if you also offer to pressure wash the neighbors' porches. Or perhaps the condo association would hire an outside contractor to do everybody's porches at the same time. Haven't they already used pressure washe...
by livesoft
Wed Nov 06, 2019 3:47 pm
Forum: Personal Investments
Topic: IRA contribution limit is per person?
Replies: 13
Views: 535

Re: IRA contribution limit is per person?

What's cool is that the 'I' in IRA stands for Individual.
by livesoft
Wed Nov 06, 2019 8:17 am
Forum: Personal Investments
Topic: Why shouldn’t I use NY 529 w/ VG?
Replies: 15
Views: 756

Re: Why shouldn’t I use NY 529 w/ VG?

RickBoglehead wrote:
Wed Nov 06, 2019 8:08 am
Utah has no fees at this time, unless there is some small account fee that I don't know about.
The UESP website states otherwise.
https://my529.org/wp-content/uploads/20 ... iption.pdf
(I like the "2016/09" in the URL, but the PDF is dated "July 11, 2019")
by livesoft
Wed Nov 06, 2019 8:08 am
Forum: Investing - Theory, News & General
Topic: Tax Disadvantage of Index Funds
Replies: 10
Views: 1017

Re: Tax Disadvantage of Index Funds

... while dividends paid by index funds are non-qualified and taxed at a top rate of 37% (or more). False. The dividends I receive from index funds are qualified and I pay a rate of 0% on them. You are missing that qualified dividends paid by companies (stocks) that the index fund owns remain quali...
by livesoft
Wed Nov 06, 2019 8:05 am
Forum: Personal Investments
Topic: Why shouldn’t I use NY 529 w/ VG?
Replies: 15
Views: 756

Re: Why shouldn’t I use NY 529 w/ VG?

We used to use Utah 529 before the kids went to college. It had a $25 annual fee in addition to the fund expense ratios. I don't know anymore which 529 plans have an annual fee, but it is something for folks who use 529 plans to find out. The Utah plan at the time (and apparently even now) uses the ...
by livesoft
Wed Nov 06, 2019 7:39 am
Forum: Personal Investments
Topic: How long before retire?
Replies: 14
Views: 2386

Re: How long before retire?

You may not have seen some of those online retirement calculators. I'd say try one of these (or all of them): firecalc.com cfiresim.com BTW, if you only save half your income and your annual after-tax expense is $75K, then you are paying way too much in taxes. But I suppose you might be including pr...
by livesoft
Wed Nov 06, 2019 7:10 am
Forum: Personal Investments
Topic: Will we be OK at 3% WR?
Replies: 261
Views: 16683

Re: Will we be OK at 3% WR?

I always wonder what the backstory is that causes a long-time member of the forum who has many posts to ask a question like the one posed here. Just imagine if livesoft asked that question or nisiprius! Wouldn't you wonder what was going on in their lives?
by livesoft
Tue Nov 05, 2019 7:45 pm
Forum: Personal Investments
Topic: Vanguard suggesting I move to ETF's
Replies: 40
Views: 3633

Re: Vanguard suggesting I move to ETF's

Folks have mentioned bid/ask spread which truthfully is just red herring. The bid/ask spread is virtually meaningless for Vanguard ETFs because one rarely pays the spread anyways. Folks who do mention bid/ask spread probably don't even use ETFs very much at all and thus have little experience with h...
by livesoft
Tue Nov 05, 2019 7:27 pm
Forum: Personal Consumer Issues
Topic: For those who fly often
Replies: 14
Views: 3251

Re: For those who fly often

Not what you asked, but I've found that if I strengthen my abs, back, and core muscles that I don't have any issues sitting on airplanes. It's not an instant solution though and takes some time.
by livesoft
Tue Nov 05, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: Best pricing for multi-city flights in ANY order?
Replies: 8
Views: 546

Re: Best pricing for multi-city flights in ANY order?

One could also book a bed on the train and sleep one's way across Europe.
by livesoft
Tue Nov 05, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: Neighbor Wants to Build ATV Trail Through Our Property - How to say no while preserving the peace.
Replies: 29
Views: 1890

Re: Neighbor Wants to Build ATV Trail Through Our Property - How to say no while preserving the peace.

I'm on a trail maintenance team with a bunch of folks that absolutely hate ATV drivers. These things destroy existing hiker trails, create deep ruts, muddy patches, holes, and places for mosquitoes to breed. The team actively puts up obstructions sanctioned and paid for by the county environmental r...
by livesoft
Tue Nov 05, 2019 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Pay down 7% 403b loan or 3.74% car loan first?
Replies: 38
Views: 2029

Re: Pay down 7% 403b loan or 3.74% car loan first?

Pay off the 403(b) loan.

Oh, sell the car, too. :twisted:
by livesoft
Tue Nov 05, 2019 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Splitting Ownership of a Joint Account
Replies: 3
Views: 540

Re: Splitting Ownership of a Joint Account

Very easy at TDAmeritrade, too. However, based on past posts on bogleheads.org what I find easy others seem to find very hard. And since Vanguard does not hand out brokerage bonuses, I don't see you transferring to a Vanguard individual account anyways only to transfer out to a different brokerage. ...
by livesoft
Tue Nov 05, 2019 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Permit Pulled Without My Knowledge
Replies: 14
Views: 2157

Re: Permit Pulled Without My Knowledge

I would not be concerned at all. Tell us in a couple of days about your uneventful closing.
by livesoft
Tue Nov 05, 2019 7:26 am
Forum: Investing - Theory, News & General
Topic: Upcoming Nov. "Bogleheads on Investing" podcast guest is Eric Balchunas
Replies: 12
Views: 997

Re: Upcoming Nov. "Bogleheads on Investing" podcast guest is Eric Balchunas

Perhaps not strict ETF questions, but ...

What's stopping major brokerage firms from having fractional share trading of ETFs and trading by dollar-amount just like mutual fund shares? Will these features be added to ETF trading in the near future?
by livesoft
Mon Nov 04, 2019 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Projections in Retirement?
Replies: 12
Views: 1416

Re: Tax Projections in Retirement?

Some tax laws will sunset in 2025, so be sure any tools you use can predict the future.
by livesoft
Mon Nov 04, 2019 7:13 pm
Forum: Personal Investments
Topic: Interactive Brokers app: any way to get an alert when an ETF hits a rebalancing band?
Replies: 10
Views: 502

Re: Interactive Brokers app: any way to get an alert when an ETF hits a rebalancing band?

I don't think alerts can be set for a personal rebalancing band, but one can minimize having to check whether their portfolio is out of balance. First, let's assume portfolio is not out of balance and rebalancing is not necessary. Second, let's assume that things are correlated, so that it is diffic...
by livesoft
Mon Nov 04, 2019 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Percentage of tax returns with mistakes
Replies: 4
Views: 726

Re: Percentage of tax returns with mistakes

It turns out that paid preparers make mistakes at a higher rate than folks who prepare their own returns. Maybe because the returns are more complicated? Check it out from GAO.gov: https://www.gao.gov/assets/670/662356.pdf Of course, the report doesn't want to offend anyone. :) Nearly all of the ret...
by livesoft
Mon Nov 04, 2019 5:47 am
Forum: Personal Investments
Topic: Did Short-Term Treasury Index Fund (VSBSX) issue a dividend Oct 2019?
Replies: 26
Views: 1748

Re: Did Short-Term Treasury Index Fund (VSBSX) issue a dividend Oct 2019?

rkhusky wrote:
Sun Nov 03, 2019 10:12 pm
Does that include Prime MM having 20% exempt from state tax?
I think many states require for mutual funds at least 50% of the interest (or maybe it is the holdings?) come from US government obligations in order to be state tax exempt. Check it out.
by livesoft
Mon Nov 04, 2019 5:37 am
Forum: Investing - Theory, News & General
Topic: When DID the stock market recover from 1929?
Replies: 51
Views: 4780

Re: When DID the stock market recover from 1929?

But I think it is also reasonable to argue -- we see it every single day on Bogleheads -- that some people do look at recent gains, wonder how much is illusory, whether there's a bubble, whether their portfolio should be discounted in some way, or whether they should reduce their risk allocation ev...
by livesoft
Sun Nov 03, 2019 9:32 pm
Forum: Investing - Theory, News & General
Topic: When DID the stock market recover from 1929?
Replies: 51
Views: 4780

Re: When DID the stock market recover from 1929?

Discussed somewhat a few days ago in the ERN blog: https://earlyretirementnow.com/2019/10/ ... ar-market/
See the first table after the 2 first charts. And the 2nd table includes an inflation adjustment.

Basically the same results as nisiprius in the OP.
by livesoft
Sun Nov 03, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: Lexus CPO - anyone made a claim? Worth the cost?
Replies: 18
Views: 2391

Re: Lexus CPO - anyone made a claim? Worth the cost?

I've bought over the years two different CPO Lexus RX vehicles. I declined the extended warranty with them. Also I negotiated to 15% below the asking price. If one pays the asking price, then they are almost paying for a new vehicle, so don't do that. My first vehicle didn't need any service until a...
by livesoft
Sun Nov 03, 2019 6:46 am
Forum: Investing - Theory, News & General
Topic: Article on Dividends (J Clements)
Replies: 29
Views: 3030

Re: Article on Dividends (J Clements)

The article can be simplified to: An investor that buy shares of a single company and reinvests dividends paid by those shares back into shares of the same company and does not ever ever sell shares of the company does not make any money at all. It really doesn't matter whether the company goes bank...
by livesoft
Sat Nov 02, 2019 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Does Kiddie tax apply to grandchildren gifts?
Replies: 7
Views: 906

Re: Does Kiddie tax apply to grandchildren gifts?

A gift does not create any tax. :)

Only when the owner sells shares is a capital gain possibly realized. If a grandparent gives shares to a grandchild, then that act does not create any tax. The new owner of the shares (the grandchild) has to sell the shares to possibly create a tax liability.
by livesoft
Sat Nov 02, 2019 5:19 pm
Forum: Personal Investments
Topic: Did Short-Term Treasury Index Fund (VSBSX) issue a dividend Oct 2019?
Replies: 26
Views: 1748

Re: Did Short-Term Treasury Index Fund (VSBSX) issue a dividend Oct 2019?

I hold VSBSX in an old-platform mutual fund account, and the dividend posted 10/31 (= process date and trade date). In a brokerage account I'm an agent on, VSBSX dividend posted 11/1 (= trade date and settlement date). For re-invested dividends, the price per share of Vanguard mutual funds -- wheth...
by livesoft
Sat Nov 02, 2019 5:14 pm
Forum: Personal Investments
Topic: Did Short-Term Treasury Index Fund (VSBSX) issue a dividend Oct 2019?
Replies: 26
Views: 1748

Re: Did Short-Term Treasury Index Fund (VSBSX) issue a dividend Oct 2019?

Clever_Username wrote:
Fri Nov 01, 2019 11:53 pm
It seems to make sense that this is related to the "upgrade" to brokerage.
Actually, No. It is not related to the "upgrade" to brokerage. My Vanguard mutual fund account (that is, not a brokerage account) behaves the same way for mutual funds dividends sent to my external checking account.
by livesoft
Sat Nov 02, 2019 8:57 am
Forum: Personal Consumer Issues
Topic: Minimizing recurring expenses while travelling
Replies: 12
Views: 1212

Re: Minimizing recurring expenses while travelling

I leave all my stuff with my spouse at home when I travel. Very low cost since home is paid for. And she gets the same deal: She leaves all her stuff at home when she travels.
by livesoft
Fri Nov 01, 2019 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Both HDHP and PPO/HMO?
Replies: 2
Views: 288

Re: Both HDHP and PPO/HMO?

I had a family HDHP / HSA through my employer and my spouse had a PPO through her employer. So I say: You can do what you suggested.
by livesoft
Fri Nov 01, 2019 5:11 pm
Forum: Investing - Theory, News & General
Topic: Best ways to educate self on funds, bonds and options for investing?
Replies: 11
Views: 795

Re: Best ways to educate self on funds, bonds and options for investing?

I guess going to one of those evening classes at a community college sponsored by a sales rep is not one of the best ways.
by livesoft
Fri Nov 01, 2019 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: VG Phone Redemption Privileges?
Replies: 3
Views: 356

Re: VG Phone Redemption Privileges?

Ha! Ha! A "privilege"? In the old days (like before yesterday), phone redemption was the way to go. I don't think I've ever mailed in a letter to make a redemption. And the internet didn't always exist either.
by livesoft
Fri Nov 01, 2019 4:40 pm
Forum: Investing - Theory, News & General
Topic: Are these the next generations good old day?
Replies: 8
Views: 1528

Re: Are these the next generations good old day?

Are these the Next Generation's good ol' days?
by livesoft
Fri Nov 01, 2019 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: WWYD w/ house dwnpmt, 10 yr window
Replies: 3
Views: 386

Re: WWYD w/ house dwnpmt, 10 yr window

We invested for our first (and only) home by using stock mutual funds. We didn't have any particular time frame to buy. It worked out. We ended up with enough money to make a 100% down payment, but we only made a 20% down payment. So what would I do? I'd just invest money in my asset allocation in a...
by livesoft
Fri Nov 01, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Maximum salary to contribute to a 401k?
Replies: 8
Views: 1309

Re: Maximum salary to contribute to a 401k?

One can have a salary over $280K, $300K, $1 million, whatever and still be able to contribute to a 401(k) plan, so there is some misunderstanding going on here. There is a maximum contribution limit which is under $60,000 nowadays I think and could only be achieved if one had income around $280K and...
by livesoft
Fri Nov 01, 2019 11:31 am
Forum: Personal Investments
Topic: Did Short-Term Treasury Index Fund (VSBSX) issue a dividend Oct 2019?
Replies: 26
Views: 1748

Re: Did Short-Term Treasury Index Fund (VSBSX) issue a dividend Oct 2019?

Vanguard.com has the distributions for this fund which I think you already looked at. The payable date for the October dividend is 11/01/2019 which is today, so depending on which broker you have your shares at it might not show up by the time I post this. As for speed of dividend payments, here is ...
by livesoft
Fri Nov 01, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: Halloween Candy - Favorites; Throw it in the Bag
Replies: 61
Views: 3226

Re: Halloween Candy - Favorites; Throw it in the Bag

Every time I poke into this thread, I go eat another few pieces of leftover candy.
by livesoft
Fri Nov 01, 2019 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Why is money such a taboo topic?
Replies: 12
Views: 1145

Re: Why is money such a taboo topic?

Because I have more than anyone else.
by livesoft
Fri Nov 01, 2019 9:21 am
Forum: Personal Investments
Topic: How to allocate these three vanguard funds to most closely resemble total stock market index?
Replies: 9
Views: 398

Re: How to allocate these three vanguard funds to most closely resemble total stock market index?

So you could look at the combination of all your accounts to "closely resemble total stock market index" if you wanted to. Thus your 401(k) would not necessarily need any large-cap growth if you have enough S&P500 in your Roth or other accounts.
by livesoft
Fri Nov 01, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Capital One outage? (Responds with error message)
Replies: 17
Views: 984

Re: Capital One outage? (Responds with error message)

Works for me: I was able to log in to my [credit card] account just now.
by livesoft
Fri Nov 01, 2019 8:21 am
Forum: Personal Investments
Topic: How to allocate these three vanguard funds to most closely resemble total stock market index?
Replies: 9
Views: 398

Re: How to allocate these three vanguard funds to most closely resemble total stock market index?

See and understanding https://www.bogleheads.org/wiki/Approxi ... ock_market

One should come to the conclusion that Vanguard Growth Index is a large-cap fund similar to an S&P 500 fund.
by livesoft
Fri Nov 01, 2019 8:00 am
Forum: Personal Investments
Topic: Question on capital gains on selling a mutual fund
Replies: 9
Views: 921

Re: Question on capital gains on selling a mutual fund

Fidelity has the numbers correct. The cost basis can be calculated easily (though it is also available through Fidelity.com) as Current_Value - $17,000. However since some of the purchased shares are non-covered and it is likely that Average Cost is used and some of the shares are probably short-ter...
by livesoft
Fri Nov 01, 2019 7:17 am
Forum: Personal Investments
Topic: Maxing out 401k with percentage of income
Replies: 14
Views: 1119

Re: Maxing out 401k with percentage of income

Many administrators will cut your contribution to zero once it reaches your allowed limit. Why not call them up and ask them what they do?
by livesoft
Thu Oct 31, 2019 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Contribution Limit ?
Replies: 1
Views: 378

Re: HSA Contribution Limit ?

It is total of employer and employee / individual contributions.

Limit is higher by $1000, too, if one is age 55 or older by the end of your tax year.
https://www.irs.gov/pub/irs-pdf/p969.pdf
by livesoft
Thu Oct 31, 2019 7:32 pm
Forum: Personal Investments
Topic: Worried about “buying the dividend” vs Inflation/Interest
Replies: 3
Views: 603

Re: Worried about “buying the dividend” vs Inflation/Interest

Invest now because "buying the dividend" is of no concern when one is 6 weeks before December & year-end distributions.
by livesoft
Thu Oct 31, 2019 7:14 pm
Forum: Personal Consumer Issues
Topic: Halloween Candy - Favorites; Throw it in the Bag
Replies: 61
Views: 3226

Re: Halloween Candy - Favorites; Throw it in the Bag

Kenkat wrote:
Thu Oct 31, 2019 6:57 pm
Zagnut, Clark Bar, Zero, 5th Avenue...
1960's calling I guess. :)
by livesoft
Thu Oct 31, 2019 5:49 pm
Forum: Personal Investments
Topic: Sell before or after end-of-year distributions?
Replies: 2
Views: 428

Re: Sell before or after end-of-year distributions?

Sell now. Replace now. Simple.

Suppose stock market goes higher and you sell next year. More taxes. Selling now appears to be a known tax hit.

If the replacement investments lose money before year-end, then tax-loss harvest and reduce taxes even more.
by livesoft
Thu Oct 31, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: Halloween Candy - Favorites; Throw it in the Bag
Replies: 61
Views: 3226

Re: Halloween Candy - Favorites; Throw it in the Bag

Trader Joe's Pound-Plus chocolate bars.