Search found 65712 matches

by livesoft
Sat May 11, 2019 1:38 am
Forum: Investing - Theory, News & General
Topic: YTD S&P 500 vs SPY ETF
Replies: 8
Views: 811

Re: YTD S&P 500 vs SPY ETF

Generally, when someone asks this question they have found performances that are over different date ranges. For instance, YTD could mean year-to-[different]dates, where the end date is one of: Today if the performance was looked up in the late evening. Yesterday if the performance was looked up bef...
by livesoft
Fri May 10, 2019 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Subaru CPO - Friends and family extended warranty price
Replies: 24
Views: 1282

Re: Subaru CPO - Friends and family extended warranty price

In your shoes, I would be checking and using
https://www.subaruoutback.org/forums/
I guess this is a 2.5i car and you are not getting a deal as brand new 2019 Subaru 2.5i premium without 5,000 miles are selling for that price and lower.
by livesoft
Thu May 09, 2019 7:25 pm
Forum: Personal Consumer Issues
Topic: Tired of a reel mower
Replies: 42
Views: 3757

Re: Tired of a reel mower

Do you need to mow the entire piece in a single day? Or is it a front and back yard that can be mowed on separate days?
by livesoft
Thu May 09, 2019 7:22 pm
Forum: Personal Investments
Topic: Question regarding wash sale and basis adjustment
Replies: 3
Views: 278

Re: Question regarding wash sale and basis adjustment

I would not have a problem and did not have a problem. See my example:
viewtopic.php?t=179414
by livesoft
Wed May 08, 2019 7:22 am
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 73
Views: 6192

Re: Lawn care schedule

As BobTheTerp noted about temperature, the few weeds in our grass are now gone because the weather is warmer and their growing season is over. Sometimes people are faked out that "weed killer" worked, but it was just the normal life-cycle of dandelions and other weeds that made them "disappear."
by livesoft
Tue May 07, 2019 5:40 pm
Forum: Personal Investments
Topic: VMMXX as cash
Replies: 38
Views: 5292

Re: VMMXX as cash

RickBoglehead wrote:
Tue May 07, 2019 4:37 pm
livesoft wrote:
Tue May 07, 2019 2:51 pm
VMMXX will not go down, but it doesn't have to go up.

You cannot count on any additional 2% to 2.5% indefinitely, but I think you are good to count on something for a few months.
Sure it can go down...
It is very very unlikely that the NAV will go below $1.00 bordering on the impossible.
by livesoft
Tue May 07, 2019 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity funds for super seniors
Replies: 11
Views: 1278

Re: Fidelity funds for super seniors

Investing for income, but fairly conservatively since she is mid-90s I'm sorry, but that doesn't follow (at least to me). Somebody in their 90's has little longevity risk to worry about. That is, they are unlikely to live another 20 years, so don't need to invest for the long-term. They can even sp...
by livesoft
Tue May 07, 2019 4:05 pm
Forum: Personal Consumer Issues
Topic: Backpacking/study abroad for young folks
Replies: 31
Views: 2003

Re: Backpacking/study abroad for young folks

I am not sure you will get useful information in that there should be no consensus and lots of people should have unique experiences. For instance, when I was 14, I took my paper route money and a bus to Acapulco. I was in Mexico for 2 weeks without any members of my family. It cost my parents no mo...
by livesoft
Tue May 07, 2019 2:51 pm
Forum: Personal Investments
Topic: VMMXX as cash
Replies: 38
Views: 5292

Re: VMMXX as cash

VMMXX will not go down, but it doesn't have to go up.

You cannot count on any additional 2% to 2.5% indefinitely, but I think you are good to count on something for a few months.
by livesoft
Tue May 07, 2019 2:47 pm
Forum: Investing - Theory, News & General
Topic: Knowing when to TLH
Replies: 12
Views: 1428

Re: Knowing when to TLH

I think you should not have any long-term losses because you already harvested losses while they were still short-term. :) But a loss will not change from short- to long-term in one day except on one day a year, so you have a low probability of any such change. As for knowing how much a loss changed...
by livesoft
Tue May 07, 2019 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Educational pathway(s) for future engineer
Replies: 89
Views: 3719

Re: Educational pathway(s) for future engineer

HomerJ wrote:
Tue May 07, 2019 12:16 pm
Heh, my favorite type of managers are the ones who think they are more useful than the people who actually do the work. :oops:
Yes, the manager(s) and the engineer(s) need to work together. Neither can work in a vacuum. See, e.g. The Soul of New Machine by Tracy Kidder
by livesoft
Tue May 07, 2019 11:07 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10783
Views: 1886965

Re: U.S. stocks in free fall

michaeljmroger wrote:
Tue May 07, 2019 10:40 am
Does this qualify as a RBD?
Goodness, no!
by livesoft
Tue May 07, 2019 8:10 am
Forum: Personal Investments
Topic: I tried to fire my financial advisor of 12 years today...
Replies: 127
Views: 13228

Re: I tried to fire my financial advisor of 12 years today...

Clearly, the OP's FA had has lots of practice trying to retain clients. It is not their first rodeo.
by livesoft
Mon May 06, 2019 7:12 pm
Forum: Personal Investments
Topic: Convert VTSAX to VTI because of VTI's lower expense ratio?
Replies: 12
Views: 1738

Re: Convert VTSAX to VTI because of VTI's lower expense ratio?

As noted, the difference in the dividend schedule could be con. Also the settlement time for ETFs sales (2 days) and mutual fund sales (1 day) could be important for investors who want to sell and withdraw the money to spend for things like tax payments, credit card bills, emergencies, cars, etc. Yo...
by livesoft
Mon May 06, 2019 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Educational pathway(s) for future engineer
Replies: 89
Views: 3719

Re: Educational pathway(s) for future engineer

1. NO ONE HAS MENTIONED THIS -- Regardless where he goes, as an engineering student recommend do NOT skip the college version of Calculus, Physics (calculus based), or Chemistry course if he got AP credit for those- absolutely not on the first two at very least. *Maybe* skip if we went to a top ran...
by livesoft
Mon May 06, 2019 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Educational pathway(s) for future engineer
Replies: 89
Views: 3719

Re: Educational pathway(s) for future engineer

I went back and read some of the responses. I wanted to say that somebody has to be the top student, so I've never been intimidated by other students. Never been worried about competition. I suppose other students have to be stressed because there are other students who do better than them. But one ...
by livesoft
Mon May 06, 2019 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Educational pathway(s) for future engineer
Replies: 89
Views: 3719

Re: Educational pathway(s) for future engineer

I wanted to respond since my daughter has gone through something similar as an engineer who graduated a few years ago with a masters degree. * Could try to graduate in 3.5 or 3 years complete undegraduate degree in 3 years, complete a masters in 4 years * Could co-op for a semester (or two) Did engi...
by livesoft
Mon May 06, 2019 8:50 am
Forum: Investing - Theory, News & General
Topic: Tax efficiency Fidelity v. Vanguard total stk mkt
Replies: 8
Views: 862

Re: Tax efficiency Fidelity v. Vanguard total stk mkt

The maximum tax rate, the capital gains tax rate, the qualified dividend tax rate, the NIIT, the foreign tax credit, and probably some other things are wrong with the formula. See also: https://www.bogleheads.org/forum/viewtopic.php?t=242137 and create a spreadsheet for your tax situations. The M* t...
by livesoft
Mon May 06, 2019 7:33 am
Forum: Personal Finance (Not Investing)
Topic: College credit for HS courses or not?
Replies: 49
Views: 2108

Re: College credit for HS courses or not?

My kids got college credit. There was no reason to sandbag and re-take any courses in college that one is competent in. I had a friend get a triple major just for the fun of it. He went on to grad school, so either the triple major did him no good or it was the reason his PhD is from Stanford. So "D...
by livesoft
Mon May 06, 2019 6:43 am
Forum: Personal Consumer Issues
Topic: ants - aargh
Replies: 69
Views: 3881

Re: ants - aargh

Wow, the CR article has less information than this thread. It's practically a fluff piece.
by livesoft
Mon May 06, 2019 5:47 am
Forum: Personal Consumer Issues
Topic: ants - aargh
Replies: 69
Views: 3881

Re: ants - aargh

I will also say that insect pest control companies are making a business out of people's fears. It's a behavioral thing. They charge lots of money to solve a $2 problem because many people don't like to see harmless bugs in their house like the spiders that eat the cockroaches. In our neighborhood, ...
by livesoft
Mon May 06, 2019 5:41 am
Forum: Personal Consumer Issues
Topic: ants - aargh
Replies: 69
Views: 3881

Re: ants - aargh

Bait, poison, and chemicals do get old and stop working because they are labile, volatile, and/or dry up. They can be affected by heat and light, too, just like clothes and photographs fade with sunlight exposure. Inside the home, I only use Terro liquid and I don't put it on cardboard pieces, but j...
by livesoft
Mon May 06, 2019 5:21 am
Forum: Personal Consumer Issues
Topic: ants - aargh
Replies: 69
Views: 3881

Re: ants - aargh

Ants are a perennial topic on this forum.
viewtopic.php?t=72603
Terro.
by livesoft
Sun May 05, 2019 6:30 pm
Forum: Investing - Theory, News & General
Topic: Tax efficiency Fidelity v. Vanguard total stk mkt
Replies: 8
Views: 862

Re: Tax efficiency Fidelity v. Vanguard total stk mkt

Thanks for the link. I see that the calculation is bogus.
by livesoft
Sun May 05, 2019 6:15 pm
Forum: Investing - Theory, News & General
Topic: Tax efficiency Fidelity v. Vanguard total stk mkt
Replies: 8
Views: 862

Re: Tax efficiency Fidelity v. Vanguard total stk mkt

What is this tax cost ratio that you wrote about? And how is it calculated? Maybe the calculation is bogus to start with?
by livesoft
Sun May 05, 2019 6:51 am
Forum: Personal Finance (Not Investing)
Topic: College Tours and Open Houses
Replies: 40
Views: 2093

Re: College Tours and Open Houses

My one takeaway is that visits are imperfect and are overly influenced by the weather that day, whether the tour guide was having a bad day, which entry to campus you drove in on, etc. Much of it is the fluttering of a butterfly's wings. Good luck I agree with the above even though I never went on ...
by livesoft
Sun May 05, 2019 6:28 am
Forum: Personal Finance (Not Investing)
Topic: New article: Taxable account
Replies: 15
Views: 1789

Re: Soliciting feedback on new Wiki article: Taxable account

Comments after just a quick glance: One has to distinguish realized capital gains and losses from unrealized gains and losses the first time they are mentioned in the Capital gains and losses section. And explain what the difference between realized and unrealized means (vocabulary issue). Return of...
by livesoft
Sat May 04, 2019 8:53 pm
Forum: Personal Investments
Topic: "Wash donations"
Replies: 5
Views: 413

Re: "Wash donations"

You have to sell something at a loss in order to even think about a so-called wash sale.

Since you wrote "appreciated shares" there is no possibility of a wash sale. It would be unwise to sell, then donate the cash. Better to donate the shares first.
by livesoft
Sat May 04, 2019 2:24 pm
Forum: Personal Investments
Topic: Poor Bond fund choices in 401(K) - VFSUX and/or FTKFX
Replies: 7
Views: 537

Re: Poor Bond fund choices in 401(K) - VFSUX and/or FTKFX

My rule is that whichever one you buy, then the other one will do better. I split my bond allocation between Total US Bond index, short-term corporate bond index, and TIAA traditional annuity. Thus, I would have to tell you to buy both if I wanted to be consistent with myself. Note that FTKFX is not...
by livesoft
Sat May 04, 2019 1:32 pm
Forum: Personal Investments
Topic: How to decide on asset allocation? Overwhelmed by information online
Replies: 40
Views: 3888

Re: How to decide on asset allocation? Overwhelmed by information online

I suggest you mimic the asset allocation of Vanguard LifeStrategy Moderate Growth for the rest of your life.
by livesoft
Sat May 04, 2019 11:45 am
Forum: Investing - Theory, News & General
Topic: Equity funds for taxable accounts
Replies: 23
Views: 2683

Re: Equity funds for taxable accounts

I have followed what Rick Ferri preaches. Also when selecting a fund/ETF for the first purchase already think about what fund/ETF one will use for a tax-loss harvesting partner. In the old days, the Total International Stock Index funds did not exist in their current rendition, so investors starting...
by livesoft
Sat May 04, 2019 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Lost out on 401k match for over-contributing
Replies: 45
Views: 4718

Re: Lost out on 401k match for over-contributing

Yes, you are SOL. My spouse's 401(k) plan is the same way. One has to pay attention with her plan to get the complete match including on bonuses that happen in late December. That is, one needs to "reserve room" for extra unknown contributions while leaving enough money in the final paycheck to top ...
by livesoft
Sat May 04, 2019 5:04 am
Forum: Personal Consumer Issues
Topic: College/life prep for young kids
Replies: 75
Views: 5568

Re: College/life prep for young kids

Apparently what I did doesn't count for nothing nowadays. :) Perhaps more important is what my children did since they are in their twenties. I don't recall them using any guidance counselors. Mostly they did what their peers and friends did. That speaks to sending your children to a decent public s...
by livesoft
Fri May 03, 2019 8:27 pm
Forum: Personal Investments
Topic: Boglehead investing through a major downturn
Replies: 36
Views: 3652

Re: Boglehead investing through a major downturn

We kept contributing the maximums allowed and we rebalanced into equities and we tax-loss harvested. Not everybody did what we did. There is a long thread where one can see things unfold in 2008. Let me see if I can find it and link it here for you to go look at. Here is a post from 2 months ago wit...
by livesoft
Fri May 03, 2019 8:21 pm
Forum: Personal Investments
Topic: Vanguard: turtle or snail?
Replies: 3
Views: 1036

Re: Vanguard: turtle or snail?

One has to realize that a money market fund is not a checking account, but has a check-writing feature. Yes, writing a check is faster and I have done exactly that in the past. That's especially true if one is a good customer of their bank and the bank manager says, "No hold on this check!" to the r...
by livesoft
Fri May 03, 2019 7:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard & Fidelity Personal Advisor Services: same advice from all advisors?
Replies: 12
Views: 1237

Re: Vanguard & Fidelity Personal Advisor Services: same advice from all advisors?

I have not used any of these advisors, but that won't stop me from commenting. I think Vanguard employees would provide the same advice or very close to it. That's because Vanguard does not allow "lone wolves" to solely manage a client's portfolio. I think investors are probably better served with a...
by livesoft
Fri May 03, 2019 6:51 pm
Forum: Personal Consumer Issues
Topic: Anybody try Cameron Hughes wine?
Replies: 7
Views: 701

Re: Anybody try Cameron Hughes wine?

From Daniel Crosby's "The Behavioral Investor" p. 228: Sure enough, participants showed more activity in the pleasure centers of the brain when they thought they were drinking $90 wine versus $10 wine. The only problem was that it was $10 wine! The participants were given the same wine in each condi...
by livesoft
Fri May 03, 2019 4:04 pm
Forum: Personal Investments
Topic: Mutual Funds vs ETF for taxable
Replies: 9
Views: 1341

Re: Mutual Funds vs ETF for taxable

The Fidelity zero funds are too new to have a track record of their own on tax efficiency. We simply do not know if the Fidelity funds will be as tax efficient as the similar Vanguard funds and ETFs or even the iShare ETFs. We just don't know.
by livesoft
Fri May 03, 2019 4:02 pm
Forum: Personal Investments
Topic: Use UTMA money for college expenses
Replies: 3
Views: 373

Re: Use UTMA money for college expenses

Your student can sell the stock and use it for anything they want --- including college education. I don't see any point in putting the money in a 529 plan for a few months. Your student can wait to sell the stock, too. It is likely that there will be no taxes on the money anyways.
by livesoft
Fri May 03, 2019 3:53 pm
Forum: Investing - Theory, News & General
Topic: Fidelity SMA (Separately Managed Account)
Replies: 12
Views: 2395

Re: Fidelity SMA (Separately Managed Account)

Does it make sense to set up the SMA for the next few years pre-retirement? In my opinion, it never ever makes sense to set up a separately managed account. The reason is that it is just a way to trap one into remaining with that vendor because to unwind the assets will always be a nightmare. We se...
by livesoft
Fri May 03, 2019 3:35 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting question
Replies: 16
Views: 797

Re: Tax Loss Harvesting question

^It would be interesting to see what a brokerage would do with such a set of transactions now that the brokerage has to keep track of these things.

I think I will create such a scenario just to see what happens and report back.
by livesoft
Fri May 03, 2019 3:03 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting question
Replies: 16
Views: 797

Re: Tax Loss Harvesting question

If I understood correctly you bought $100K (that’s the purchase) and then 15 days later sold half of it at a loss. The remaining half counts as a purchase within 30 days. All it does though is increase your basis on the remaining shares though for the disallowed loss and ultimately when you sell th...
by livesoft
Fri May 03, 2019 2:51 pm
Forum: Personal Investments
Topic: At 28, I Don't See How I Can Make Any Projections for My Retirement Amount or Age?
Replies: 83
Views: 5878

Re: At 28, I Don't See How I Can Make Any Projections for My Retirement Amount or Age?

So bogleheads, what is the value or point of me trying to forecast my retirement and determine if there is a means for early retirement for me when there are so many unknowns? Is it as simple as I should focus on my savings rate and increasing it, and low cost investing in index funds and hope it a...
by livesoft
Fri May 03, 2019 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: college kid and health insurance
Replies: 20
Views: 715

Re: college kid and health insurance

Our reality is that our students only used emergency care when away at school. Otherwise, well-care (dental, vision, immunizations, physicals) were all done when they were back home from school. Both our kids just stayed on the plan we had although in one case we had to convince the school not to ch...
by livesoft
Fri May 03, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: Areas similar to Jungfrau region in terms of transportation
Replies: 23
Views: 1543

Re: Areas similar to Jungfrau region in terms of transportation

I think it would only be a small additional expense to rent a car to get to hiking places and trailheads if one's main interest was walking around while staying comfortable beds at a Gasthof, AirBnB, Inn, wherever.
by livesoft
Fri May 03, 2019 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Opening Solo 401k question for small contribution
Replies: 1
Views: 155

Re: Opening Solo 401k question for small contribution

In a similar situation, I did not open a solo 401(k) because I felt at the time it was too complicating (but not because of taxes). If you leave your job and have no earned income, then you will not be making IRA contributions. If you get another job and have earned income, then maybe your assumptio...
by livesoft
Fri May 03, 2019 8:11 am
Forum: Investing - Theory, News & General
Topic: Wouldn't this make Traditional IRA far superior to Roth?
Replies: 81
Views: 7179

Re: Wouldn't this make Traditional IRA far superior to Roth?

For the taxable account, I assumed some small amount of taxable dividends and capital gains. But once again, there are details. For instance, our tax rate on qualified dividends is 0% and our tax rate on long-term capital gains is also 0%, so in essence we have not had that small amount amount of t...
by livesoft
Thu May 02, 2019 8:47 pm
Forum: Personal Investments
Topic: Should I go to a Fidelity Office to Set up Account?
Replies: 26
Views: 1910

Re: Should I go to a Fidelity Office to Set up Account?

When my daughter was still in high school, I had her go to the local Fidelity office to open a Roth IRA. She was successful, but the Fidelity rep messes of the spelling of a very common name. After checking online, she had to go back and get the spelling corrected. Should you go? Sure, why not? Shou...
by livesoft
Thu May 02, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Breaking away from VG PA - Help need with balance
Replies: 17
Views: 1268

Re: Breaking away from VG PA - Help need with balance

I would seriously consider a non-index bond fund in the 401(k) for the bond portion of your portfolio. You might list the choices and expense ratios for some advice on them.