Search found 67464 matches

by livesoft
Sun Sep 22, 2019 5:38 pm
Forum: Personal Investments
Topic: Bogleheads Non-responsive
Replies: 9
Views: 1248

Re: Bogleheads Non-responsive

whodidntante wrote:
Sun Sep 22, 2019 5:28 pm
I sent the OP a private message directing him to his responses. That will at least generate an e-mail.
I don't get e-mail when people send me private messages, so I am not sure "generate an e-mail" is guaranteed.
by livesoft
Sun Sep 22, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: Email Compromised On The Dark Web
Replies: 6
Views: 879

Re: Email Compromised On The Dark Web

I would think that anybody and everybody can get e-mail addresses readily, so I would be unconcerned. Now if they got your e-mail password, that's another story.
by livesoft
Sun Sep 22, 2019 5:18 pm
Forum: Personal Investments
Topic: Brand new and feeling behind
Replies: 10
Views: 867

Re: Brand new and feeling behind

I suggest that you all start contributing to the 401(k). There is nothing in your posts that would tell me not to contribute the max possible.
by livesoft
Sun Sep 22, 2019 5:05 pm
Forum: Personal Investments
Topic: Bogleheads Non-responsive
Replies: 9
Views: 1248

Re: Bogleheads Non-responsive

I see that you received 4 responses, so I guess you missed them. I will also guess that you will miss this response as well.
by livesoft
Sun Sep 22, 2019 4:17 pm
Forum: Investing - Theory, News & General
Topic: Interesting article on October volatility
Replies: 7
Views: 777

Re: Interesting article on October volatility

tadamsmar wrote:
Sun Sep 22, 2019 2:16 pm
Here's the average for each month based on 2004 till now based on the VXO dataset here:
[...]
October is the highest.
What if one removed presidential election years? House of Rep election years?
by livesoft
Sun Sep 22, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: A/C and furnace – probable replacement (soon)
Replies: 27
Views: 1700

Re: A/C and furnace – probable replacement (soon)

Lots of interesting and contrasting opinions here as usual including folks that think their 26 year old HVAC system is as efficient as brand new models available today. FWIW, I did not state that 26-year-old HVAC is as efficient as the most efficient models available today. I stated that it was eff...
by livesoft
Sun Sep 22, 2019 8:52 am
Forum: Investing - Theory, News & General
Topic: Interesting article on October volatility
Replies: 7
Views: 777

Re: Interesting article on October volatility

What other months have volatility similar to October? The article only claims that October is 25% higher than the average. Well, quite a few months must have higher volatility than the average. Duh! I can think of many reasons why October has a higher average volatility and some of them can be teste...
by livesoft
Sat Sep 21, 2019 7:25 pm
Forum: Personal Investments
Topic: Life Cycle fund dropped bonds, how to adjust?
Replies: 14
Views: 1248

Re: Life Cycle fund dropped bonds, how to adjust?

ivk5 wrote:
Sat Sep 21, 2019 7:20 pm
You could blend the 2040 and 2030 funds in proportions needed to achieve desired fixed income exposure.
Or use the 2035 fund. ;)
by livesoft
Sat Sep 21, 2019 7:19 pm
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 140
Views: 6634

Re: How hard is it to get into college?

So how can you really compare the grades my daughter gets with another kid who didn't have as many options can couldn't even have a GPA over 4.0. It is really easy for admission people to deal with this. If you don't believe me, then call them up and chat with them. This is not their first rodeo. T...
by livesoft
Sat Sep 21, 2019 7:09 pm
Forum: Personal Investments
Topic: Life Cycle fund dropped bonds, how to adjust?
Replies: 14
Views: 1248

Re: Life Cycle fund dropped bonds, how to adjust?

What are the percentages of bonds in LifeCycle 2040 and LifeCycle 2030 in your 401(k) plan?
by livesoft
Sat Sep 21, 2019 3:11 pm
Forum: Personal Investments
Topic: New to Bogleheads
Replies: 10
Views: 709

Re: New to Bogleheads

Do you have TDF 2035 available?

It would be no sin to have both TDF 2030 and TDF 2040 in a ratio that you like.
by livesoft
Sat Sep 21, 2019 2:10 pm
Forum: Personal Investments
Topic: New to Bogleheads
Replies: 10
Views: 709

Re: New to Bogleheads

You can change the fund you use in your 403(b) now and do not have to add a bond fund to get to the AA you want there. Since you didn't mention that you were going to exchange to a different Vanguard Target Retirement fund it reads like you didn't know that you could do that. I suggest you just exch...
by livesoft
Sat Sep 21, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: Boglehead Dating
Replies: 6
Views: 1152

Re: Boglehead Dating

Cast a wider net and don't look for just bogleheads. Most of the people I've gone on dates obviously have never heard of the bogleheads. Being on the same page financially seems like it would be a great start though? I think it is better to be in the same book or maybe chapter before thinking about...
by livesoft
Sat Sep 21, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: Boglehead Dating
Replies: 6
Views: 1152

Re: Boglehead Dating

Cast a wider net and don't look for just bogleheads.
by livesoft
Sat Sep 21, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: A/C and furnace – probable replacement (soon)
Replies: 27
Views: 1700

Re: A/C and furnace – probable replacement (soon)

jabberwockOG wrote:
Sat Sep 21, 2019 10:49 am
Your HVAC is very old, likely not very efficient, ...
I'll disagree with these statements because our systems are 26 years-old and efficient. Codes changed around 1992-1993 so that anything newer had to be efficient. These systems should last 30 years, so 18 years old is not bad to me.
by livesoft
Sat Sep 21, 2019 10:47 am
Forum: Investing - Theory, News & General
Topic: Vanguard said to offer Digital Advisory Service [Robo-Advisor]
Replies: 73
Views: 5126

Re: Vanguard said to offer Digital Advisory Service

Gleevec wrote:
Sat Sep 21, 2019 10:16 am
d... maybe something like VanguardAdvantage?
Funny!
by livesoft
Sat Sep 21, 2019 7:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard said to offer Digital Advisory Service [Robo-Advisor]
Replies: 73
Views: 5126

Re: Vanguard said to offer Digital Advisory Service

This new thing will make it easier for Vanguard to buy out other roboadvisors such as Betterment and Wealthfront.
by livesoft
Sat Sep 21, 2019 6:53 am
Forum: Personal Finance (Not Investing)
Topic: What’s the difference between leasing and buying?
Replies: 15
Views: 1458

Re: What’s the difference between leasing and buying?

Let me ask this first: Do you know the difference between renting and buying?
by livesoft
Fri Sep 20, 2019 8:12 pm
Forum: Investing - Theory, News & General
Topic: How do you maximize an IPO purchase?
Replies: 4
Views: 469

Re: How do you maximize an IPO purchase?

You call your broker and ask them the same question.
by livesoft
Fri Sep 20, 2019 8:09 pm
Forum: Personal Consumer Issues
Topic: A/C and furnace – probable replacement (soon)
Replies: 27
Views: 1700

Re: A/C and furnace – probable replacement (soon)

In our area the condensate drain line gets clogged with mud daubers, spider webs, mold, and algae, so it is routine to simply pour bleach down it from time to time. It is a homeowner maintenance thing since it is so easy although many folks call a service person to deal with it (plumber or HVAC). So...
by livesoft
Fri Sep 20, 2019 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Who is responsible for taking RMDs after death of IRA owner?
Replies: 20
Views: 1284

Re: Who is responsible for taking RMDs after death of IRA owner?

As noted there was no need to indicate that the RMD was taken by a beneficiary on the decedent's final tax return. In my case, my siblings were the other beneficiaries and we all get along and talk to each other, so I knew one of them had cashed in their inherited IRA and it was enough to cover the ...
by livesoft
Fri Sep 20, 2019 3:07 pm
Forum: Personal Investments
Topic: Wash Sale - Multiple Tax Lots Sold
Replies: 5
Views: 373

Re: Wash Sale - Multiple Tax Lots Sold

Suppose the shares dropped 20% after you sold them and you wanted to buy the shares before they went back up -- and 30 days has not passed since you sold for a loss. In that case, since it is not illegal to have a wash sale and you already saved yourself from an additional 20% loss, I don't see why ...
by livesoft
Fri Sep 20, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Should I see a fee-only financial advisor or keep DIY?
Replies: 20
Views: 1132

Re: Should I see a fee-based financial advisor or keep DIY?

It seems to me that you just need to do it yourself, but to actually START. You don't need to do it ALL AT ONCE. Select ONE account and do it. Maybe one account per week. Certainly, a place called bogleheads.org can come up with where you want to be headed and blueprint on how to get there. That's w...
by livesoft
Fri Sep 20, 2019 2:32 pm
Forum: Personal Investments
Topic: Withdrawal Approach
Replies: 29
Views: 2241

Re: Withdrawal Approach

Does moving funds from say an equity account to a bond account make more sense (i.e. less volatility, but still invested), or are you saying, just take money out of equities as and when you need them (seems to be a theme others here are using) as in the long term it really doesn't matter? Just choo...
by livesoft
Fri Sep 20, 2019 11:59 am
Forum: Investing - Theory, News & General
Topic: Vanguard PAS -- one size fits all?
Replies: 12
Views: 1303

Re: Vanguard PAS -- one size fits all?

Clients who were conservative moved to roughly 60/40 with 1/3 international. For this, they paid 0.3% AUM. The biggest change is reducing the percentage of cash people had. This could be explained a few ways. One explanation is that people who use PAS had an influx of cash which made them seek help...
by livesoft
Fri Sep 20, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Who is responsible for taking RMDs after death of IRA owner?
Replies: 20
Views: 1284

Re: Who is responsible for taking RMDs after death of IRA owner?

This was asked before and I was in a similar situation. Here's a link to the discussion:
viewtopic.php?f=2&t=127077
by livesoft
Fri Sep 20, 2019 11:19 am
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 140
Views: 6634

Re: How hard is it to get into college?

[...] It is much more difficult to get into the super elites today than it was in the past. Especially when there’s a plethora of minority, disadvantaged students who have their names on published science/math/medical/whatever with straight As. 1600 SATs, and 3 800s on SAT IIs. I will just state th...
by livesoft
Fri Sep 20, 2019 11:17 am
Forum: Investing - Theory, News & General
Topic: Explaining the Stock Market to Big Cat
Replies: 1
Views: 573

Re: Explaining the Stock Market to Big Cat

I like the sports analogy which I can use with some sports enthusiasts. I think some of the gains are inflated though since inflation is not mentioned at all. :)
by livesoft
Fri Sep 20, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Best way to track / categorize spending?
Replies: 35
Views: 1766

Re: Best way to track / categorize spending?

Doesn't your credit card give an annual statement with transactions broken down into categories? Isn't that enough? Don't you use your online bill pay associated with your checking account and that gives reports with transactions? Isn't that enough? I saw your other thread about "cost doesn't matter...
by livesoft
Fri Sep 20, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 140
Views: 6634

Re: How hard is it to get into college?

Oh, I flunked a semester of English in high school (as in 'F' on report card). I got into every college I applied to and matriculated at a private elite university mentioned a few times on this forum. So getting a grade less than 'A' is not the kiss of death.
by livesoft
Fri Sep 20, 2019 8:27 am
Forum: Personal Investments
Topic: Withdrawal Approach
Replies: 29
Views: 2241

Re: Withdrawal Approach

I've been retired quite a while. I don't like nor use the approach described. I have a portfolio (no pension, no SS) that is about 60/40 in equity/bond funds and zero cash. When I see the words "peace of mind" (or worse "piece of mind"), then I know that a behavioral mistake is being made. On averag...
by livesoft
Fri Sep 20, 2019 8:15 am
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 140
Views: 6634

Re: How hard is it to get into college?

I only skimmed this thread, but it is easy for a high school graduate to get into a college if they want to get into a college. I have 2 children that went to college. One went to a very selective university and the other went to a non-selective Tier 1 state university. So those 2 universities span ...
by livesoft
Fri Sep 20, 2019 7:10 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 150
Views: 9754

Re: How do you spend money to gain time? (young family)

jharkin wrote:
Fri Sep 20, 2019 7:03 am
Depends on the size of the yard.
Indeed it does. When our oldest child was born we were still renting an apartment, so we had zero yard maintenance and zero home maintenance for almost another 3 years.
by livesoft
Thu Sep 19, 2019 5:50 pm
Forum: Personal Investments
Topic: Is this a good time to add a total bond index to my portfolio
Replies: 5
Views: 1011

Re: Is this a good time to add a total bond index to my portfolio

Let's say it is a bad time to buy VBTLX (although I bought some on 9/13), what would you do instead? Buy something else? Where is the money sitting that you would use to make this transaction?
by livesoft
Thu Sep 19, 2019 3:40 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 7274

Re: How to handle "split-the-bill" group lunches?

cherijoh wrote:
Thu Sep 19, 2019 3:26 pm
If it is more that 2 people I usually ask for separate checks when we start ordering so the server has an opportunity to make it easier on him or herself.
A server that is on the ball will ASK at the outset whether separate checks are going to be used.
by livesoft
Thu Sep 19, 2019 2:56 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 7274

Re: How to handle "split-the-bill" group lunches?

There are some people that are pushovers. There are some people that are bold leaders. If you want something, then ask for it or insist on it. Otherwise, a bold leader is going to either run right over you or be helpful. If they are not helpful, then step in and be helpful yourself. You may also fin...
by livesoft
Thu Sep 19, 2019 2:39 pm
Forum: Investing - Theory, News & General
Topic: What happens to reinvested dividends' missing money?
Replies: 11
Views: 1028

Re: What happens to reinvested dividends' missing money?

It goes to someone else. And sometimes it goes to you. See this thread: viewtopic.php?t=208793
by livesoft
Thu Sep 19, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 150
Views: 9754

Re: How do you spend money to gain time? (young family)

don't care about our shrubberies. If it was up to me I would take out everything and cover it with rocks. Easiest way to simply your lives is to stop worrying about trivial things. I would suggest something different than rocks. My philosophy is that the plants in my yard (or on my land) should pro...
by livesoft
Thu Sep 19, 2019 2:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard said to offer Digital Advisory Service [Robo-Advisor]
Replies: 73
Views: 5126

Re: Vanguard said to offer Digital Advisory Service

If it offers tax-aware asset class account location, then it will be interesting. Also, I wonder how it will prevent all the behavioral finance problems that abound on this forum as in "I don't mean to market time, but I am going to market time and not call it that."
by livesoft
Thu Sep 19, 2019 1:20 pm
Forum: Forum Issues and Administration
Topic: Bigger mailboxes?
Replies: 6
Views: 579

Re: Bigger mailboxes?

One can have many mailboxes folders, so create a new one and move some old messages to the other folders. Or you can automatically do some things:

Image
by livesoft
Thu Sep 19, 2019 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 150
Views: 9754

Re: How do you spend money to gain time? (young family)

researcher wrote:
Thu Sep 19, 2019 12:04 pm
Similar ideas/examples could be gleaned from learning about life as a prisoner or POW.
Yes, but does your adult child have this pinned on their twitter account:
my dad is f***ing awesome. hope he sees this tweet.
Is that evidence of the Stockholm Syndrome?
by livesoft
Thu Sep 19, 2019 12:40 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 7274

Re: How to handle "split-the-bill" group lunches?

Take me to lunch and I will say, "Put all the alcohol on a separate bill and I will pay for it." Simple. Done. I've been to recent lunches where someone tried to pick up the entire tab, but I wouldn't let him. It was trivial to tell the waitstaff, "Put $20 on this credit card and let him pay for the...
by livesoft
Thu Sep 19, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 150
Views: 9754

Re: How do you spend money to gain time? (young family)

scottgekko wrote:
Thu Sep 19, 2019 10:57 am
This sounds more like advice for surviving during the great depression or a government coup.
Or maybe for hiking the Appalachian Trail?
by livesoft
Thu Sep 19, 2019 11:19 am
Forum: Non-US Investing
Topic: What to Recommend to Interested Friends
Replies: 20
Views: 990

Re: What to Recommend to Interested Friends

I'm not sure how investing comes up in casual conversation; how is this happening? It happens to me all the time. I am retired. I meet other retired folks. They ask how can I not be working. I've met quite a number of folks who actually do use index funds. Also I've been quoted a few times in the W...
by livesoft
Thu Sep 19, 2019 10:36 am
Forum: Personal Investments
Topic: One Fund that meets the Bogleheads 3 fund portfolio.
Replies: 14
Views: 1773

Re: One Fund that meets the Bogleheads 3 fund portfolio.

I believe Fidelity Freedom Index funds are basically fund without foreign bonds.
Example: https://fundresearch.fidelity.com/mutua ... /315793703
by livesoft
Thu Sep 19, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: How to build hardware for a product protoype ?
Replies: 21
Views: 1244

Re: How to build hardware for a product protoype ?

I wanted to post that I've been involved in several such projects both electronic and non-electronic. For the electronic, we just used a breadboard, wire wrap, soldering to prototype. The case and decisions about cables and plug came last. No big deal. For non-electronic, I usually used popsicle sti...
by livesoft
Thu Sep 19, 2019 8:51 am
Forum: Personal Investments
Topic: Downsides to leaving fixed-income allocation in cash?
Replies: 61
Views: 3530

Re: Downsides to leaving fixed-income allocation in cash?

Thanks for the responses. Yes, this is only for the short term, and I will get back into bonds when interest rates go up and/or the inversion ends. But ONE wants to be in bonds when interest rates are going down in order to increase total return. Have you noticed how bond funds are up about 10% YTD...
by livesoft
Thu Sep 19, 2019 7:52 am
Forum: Investing - Theory, News & General
Topic: Market/Limit Orders
Replies: 39
Views: 2112

Re: Market/Limit Orders

In a fast moving market, a market order may not get you a price you will be satisfied with. That also holds true for a limit order. I will add that for every single bit of FEAR, UNCERTAINTY, and DOOM advice given, that it could work the other way because after all, for every buyer there is a seller...
by livesoft
Thu Sep 19, 2019 7:46 am
Forum: Non-US Investing
Topic: What to Recommend to Interested Friends
Replies: 20
Views: 990

Re: What to Recommend to Interested Friends

I have had many friends ask me about investing, their eyes then glaze over within 10 seconds of me excitedly describing indexes, low expense ratio funds, and asset allocation. What do I recommend to all those who ask for investment advice? You have learned that you have less than 10 seconds to give...
by livesoft
Thu Sep 19, 2019 7:27 am
Forum: Investing - Theory, News & General
Topic: Market/Limit Orders
Replies: 39
Views: 2112

Re: Market/Limit Orders

For example if I had $500 and wanted to buy an ETF which had a current price of $30, I’d entire a limit order to buy 16 shares with a limit price of $31.25. Virtually guaranteed to execute immediately at market, and absolutely guaranteed to not cost more than $500. My broker would give me a warning...