Search found 66137 matches

by livesoft
Tue Jun 25, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: British Columbia summer vacation
Replies: 11
Views: 583

Re: British Columbia summer vacation

Canoe the Bowron Lakes circuit.
by livesoft
Tue Jun 25, 2019 10:48 am
Forum: Personal Investments
Topic: Help a Boglehead feel comfortable about our portfolio...
Replies: 3
Views: 391

Re: Help a Boglehead feel comfortable about our portfolio...

Looks good to me, but ... I would simplify the Roth accounts have only one single fund in each of them. In the brokerage account, I would simplify as I could. I would not reinvest dividends automatically, but would spend them or manually invest them in one or two of my chosen funds which would be VT...
by livesoft
Tue Jun 25, 2019 10:21 am
Forum: Personal Investments
Topic: Tax Loss Harvesting and Teaching Your Spouse Investing
Replies: 4
Views: 305

Re: Tax Loss Harvesting and Teaching Your Spouse Investing

Sure. My spouse was in 2 investment clubs back in the 1990s. She has no problem with running any investments and using tax prep software if she wanted to. I have no problems doing the things she normally does as well if I wanted to. "The market seems to be down this month. Do we need to do any tax-l...
by livesoft
Tue Jun 25, 2019 9:27 am
Forum: Personal Investments
Topic: Retired: Don't want to outlive my funds
Replies: 27
Views: 1404

Re: Retired: Don't want to outlive my funds

In your situation, I would relax and invest my money in passively-managed, low-expense ratio index fund portfolio such as a single fund Vanguard LifeStrategy Moderate Growth. Then I would add another expensive hobby to have fun with because I knew I had way more money than I could ever spend for the...
by livesoft
Tue Jun 25, 2019 8:38 am
Forum: Personal Investments
Topic: Botched transfer? Security sold instead of transferred
Replies: 11
Views: 404

Re: Botched transfer? Security sold instead of transferred

Instead of BND, I think you will probably want to choose SPAB which is the BND equivalent. Full disclosure: I own SPAB, VBTLX, et al. Also consider that one probably should use mostly equities in a Roth though a bond fund can have its place there. But if you can have your bond assets in a tax-deferr...
by livesoft
Tue Jun 25, 2019 7:10 am
Forum: Personal Consumer Issues
Topic: Facebook reading our minds?
Replies: 22
Views: 1407

Re: Facebook reading our minds?

Sandtrap wrote:
Mon Jun 24, 2019 10:48 pm
That's nothing.
My DW's been reading my mind for nearly 40 years. :shock:
She'll even tell me what I'm thinking before I think it. :shock:
Facebook could learn a thing or two.
j
Wait until FB or something like Alexa starts finishing sentences for you.
by livesoft
Tue Jun 25, 2019 7:06 am
Forum: Personal Investments
Topic: How can we do better with our investments?
Replies: 5
Views: 491

Re: How can we do better with our investments?

Looks great to me. I would not change a thing.

As noted, the 529 plan is something to do after contributing maximums to Roth IRAs and 401(k)s. Would you get a state income tax break by contributing to a 529 plan?

Was that gentle enough? :)
by livesoft
Mon Jun 24, 2019 9:41 pm
Forum: Personal Investments
Topic: Any help for a new investor? Vanguard TDF at .15%?
Replies: 1
Views: 182

Re: Any help for a new investor? Vanguard TDF at .15%?

I just exchanged my entire inherited IRA into a TDF with an expense ratio of 0.12%, so I am going to dispute your statement that "pretty much everyone here is more hands-on." :) All my adult children use TDFs. Anybody who has no significant taxable account investments are extremely well-served by on...
by livesoft
Mon Jun 24, 2019 8:07 pm
Forum: Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 218
Views: 19507

Re: Suggestion for updating "Asking Portfolio Questions" thread

Thanks for all your help and everyone else's for getting this done. -ls
by livesoft
Mon Jun 24, 2019 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: How did you lower your annual expenses?
Replies: 59
Views: 3871

Re: How did you lower your annual expenses?

... only two children to care for, I am just amazed at our spend! What did you do to dramatically reduce your bills? We stopped spending on our children and kicked them out of the house. Best move we ever made. But kids got hand-me-down from cousins and friends. Also we made them eat at their frien...
by livesoft
Mon Jun 24, 2019 6:25 pm
Forum: Investing - Theory, News & General
Topic: Discrepancy between Matketwatch and Fidelity
Replies: 21
Views: 1101

Re: Discrepancy between Matketwatch and Fidelity

^Thanks for the link to the chart showing Total Return if one converts to a Percentage gain that starting $10,000. Just a quibble: You charted the "Growth of" $10,000 and not the price, so your posted message should not mention the price, but the "growth of" which is the Total Return. By using the w...
by livesoft
Mon Jun 24, 2019 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 3776

Re: Triage in ER - charged $790

Did the OP get charged for the 3 hour searching for a missing patient in the building? I'd like to write that I went to the E.R. for a comminuted fracture. Anybody could see that it was bad. I had an X-ray which was shown to me not by the doctor, but by the X-ray tech because it was so cool. Then I ...
by livesoft
Mon Jun 24, 2019 5:15 pm
Forum: Investing - Theory, News & General
Topic: Investment Horizon
Replies: 2
Views: 207

Re: Investment Horizon

I think your understanding is not the same as my understanding. When I was accumulating I considered my investment horizon to be until I died say at age 105. So at age 30, I had an investment horizon 75 years in the future. And for my children's college education, the horizon was not the day the fir...
by livesoft
Mon Jun 24, 2019 5:10 pm
Forum: Personal Consumer Issues
Topic: Pickleball Paddle recommendation?
Replies: 24
Views: 995

Re: Pickleball Paddle recommendation?

Just buy a used paddle from the guy who has all the paddles. I guess I don't understand why you don't get your pickleball advice from him. Sure, you said you were going to ask him, but you might as well ask everybody that you play with and those that have given up the sport, too. They likely have a ...
by livesoft
Mon Jun 24, 2019 4:54 pm
Forum: Investing - Theory, News & General
Topic: Discrepancy between Matketwatch and Fidelity
Replies: 21
Views: 1101

Re: Discrepancy between Matketwatch and Fidelity

The difference is because 2 different date ranges were used. It is that simple.

I said you can do all this on morningstar.com and pick all the dates for yourself explicitly. How's that going?
by livesoft
Mon Jun 24, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: Favorite mountain lodge destinations in the west?
Replies: 20
Views: 1272

Re: Favorite mountain lodge destinations in the west?

Timberline Lodge at Mt Hood is famous. I haven't been there.
by livesoft
Mon Jun 24, 2019 4:36 pm
Forum: Investing - Theory, News & General
Topic: Discrepancy between Matketwatch and Fidelity
Replies: 21
Views: 1101

Re: Discrepancy between Matketwatch and Fidelity

get_g0ing wrote:
Mon Jun 24, 2019 4:26 pm
Hi, thanks. I meant the 1 Year period.
Which 1 Year period? I understand that everyone is telling you that you are comparing 2 different (and maybe even more than 2 different) 1 Year periods.
by livesoft
Mon Jun 24, 2019 4:11 pm
Forum: Investing - Theory, News & General
Topic: Discrepancy between Matketwatch and Fidelity
Replies: 21
Views: 1101

Re: Discrepancy between Matketwatch and Fidelity

Don't use FIdelity. Don't use Marketwatch.

Use Morningstar.com and chart those dates with the 2 funds on the same chart.
by livesoft
Mon Jun 24, 2019 3:33 pm
Forum: Investing - Theory, News & General
Topic: Effect of trading fees imposed on all stocks and bonds
Replies: 9
Views: 601

Re: Effect of trading fees imposed on all stocks and bonds

Doesn't this already happen in Europe? Aren't those "stamp fees" what you are talking about?
by livesoft
Mon Jun 24, 2019 1:56 pm
Forum: Investing - Theory, News & General
Topic: Dollar General
Replies: 25
Views: 1938

Re: Dollar General

When I drove back from El Paso, I was behind a convey of Dollar General trucks. One of them peeled off at every major exit ramp to make the rounds of small-town, no-town in West Texas. That means they spend a lot of money on gas and logistics and compete with USPS, Fedex, UPS, et al for rural delive...
by livesoft
Mon Jun 24, 2019 1:12 pm
Forum: Investing - Theory, News & General
Topic: Dollar General
Replies: 25
Views: 1938

Re: Dollar General

The internet is where rural America shops. And so does everybody else. So Dollar General has plenty of stiff competition.
by livesoft
Mon Jun 24, 2019 10:07 am
Forum: Investing - Theory, News & General
Topic: Higher risk ETF
Replies: 11
Views: 528

Re: Higher risk ETF

DGS, VSS, VXUS, IJS, and maybe a Russian, Iranian, or Turkish country-specific ETF.

Your VOO, VTF, and IWF are all pretty much the same thing and really don't help with diversification, do they? Maybe you have all 3 because of previous tax-loss harvesting?
by livesoft
Mon Jun 24, 2019 9:23 am
Forum: Investing - Theory, News & General
Topic: TDA - capital gains harvest = short term trading fee?
Replies: 7
Views: 300

Re: TDA - capital gains harvest = short term trading fee?

I think the computer system doesn't look at the time of trades ... only the date. So it looks to the computer that you bought in the morning and sold later in the day.
by livesoft
Mon Jun 24, 2019 9:13 am
Forum: Investing - Theory, News & General
Topic: TDA - capital gains harvest = short term trading fee?
Replies: 7
Views: 300

Re: TDA - capital gains harvest = short term trading fee?

Don't tell us. Tell them. I cannot give you $13.90 back, but they can do it. It is really easy, but if you don't ask them, then you won't get it. It is best to sit across a desk from them and not use the phone. You have to look them in the eye as if they are dead meat if you don't get the $13.90.
by livesoft
Mon Jun 24, 2019 8:35 am
Forum: Investing - Theory, News & General
Topic: what is N/A debt to equity ratio?
Replies: 6
Views: 456

Re: what is N/A debt to equity ratio?

If you have no equity, then that number is zero. When you divide by zero, you get infinity which might be displayed as N/A.
by livesoft
Mon Jun 24, 2019 8:31 am
Forum: Personal Investments
Topic: Div Reinvest When Starting Withdrawals?
Replies: 6
Views: 559

Re: Div Reinvest When Starting Withdrawals?

It seems I should turn dividend reinvestment off in this case, if I plan to just transfer that income to my checking account each month? If you are going to withdraw and spend the money anyways, then it won't matter if you do not pay any commission to do reinvesting nor if your funds in your accoun...
by livesoft
Mon Jun 24, 2019 8:07 am
Forum: Investing - Theory, News & General
Topic: When the Conventional Wisdom about Taxes in Retirement is Wrong
Replies: 23
Views: 2602

Re: When the Conventional Wisdom about Taxes in Retirement is Wrong

So I read the article and it seems to follow the advice posted relentlessly at bogleheads.org. However, I didn't see how the example couple would get the money to pay an additional $36,720 on the $153,000 larger Roth conversion. That money has to come from somewhere and would also likely increase th...
by livesoft
Sun Jun 23, 2019 7:25 pm
Forum: Personal Investments
Topic: Reinvesting Dividends or no
Replies: 33
Views: 2966

Re: Reinvesting Dividends or no

RMDs mean a tax-deferred account and thus there is no cost basis unless one made non-deductible contributions and tracked them with a Form 8606. In other words, cost basis is almost always $0.00 and all the stuff I wrote only applies to taxable accounts.
by livesoft
Sun Jun 23, 2019 6:52 pm
Forum: Personal Investments
Topic: Reinvesting Dividends or no
Replies: 33
Views: 2966

Re: Reinvesting Dividends or no

I believe that if you have a substantial amount of a Vanguard fund,and have had some $ in that fund for 5 or 10 years,and you are having automatic reinvestment of distributions and dividends (in a taxable account),if you sell a portion of your holding in the fund (say you need the cash for a car or...
by livesoft
Sun Jun 23, 2019 6:07 pm
Forum: Personal Investments
Topic: Who should I open my taxable account with?
Replies: 25
Views: 1933

Re: Who should I open my taxable account with?

What?! You didn't think I understood that?
by livesoft
Sun Jun 23, 2019 6:03 pm
Forum: Personal Investments
Topic: Seeking practical help understanding “bid-ask spread” for ETFs
Replies: 52
Views: 2199

Re: Seeking practical help understanding “bid-ask spread” for ETFs

I did buy 10 shares of VSS at $104.47, but just used a limit order good for the day. Furthermore, the dividend money did not come solely from VSS, so reinvesting the VSS dividend back into VSS would not have given me 10 shares. Also dividend reinvestment at Vanguard takes place at the opening cross ...
by livesoft
Sun Jun 23, 2019 5:59 pm
Forum: Personal Investments
Topic: Who should I open my taxable account with?
Replies: 25
Views: 1933

Re: Who should I open my taxable account with?

You have been fooled by the zero fee marketing machine. What if the performance was 0.05% lower than a fund that you pay 0.05% expense ratio for? What if the performance is the same, but you pay 0.15% more in taxes every year on the zero-fee funds? You have been fooled by the Vanguard index fund ma...
by livesoft
Sun Jun 23, 2019 5:56 pm
Forum: Personal Investments
Topic: Reinvesting Dividends or no
Replies: 33
Views: 2966

Re: Reinvesting Dividends or no

In my daily “learning” from this forum there have been varied discussions regarding “to reinvest dividends and capital gains” or not. I’d like to understand a comment made in another post suggesting how to invest “In the taxable accounts set all the mutual funds to not automatically reinvest the di...
by livesoft
Sun Jun 23, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: Lightest weight backpack for laptop?
Replies: 35
Views: 1746

Re: Lightest weight backpack for laptop?

I'm willing to give up Batman for a 6.6 oz backpack:
https://www.youtube.com/watch?v=VCvpVFB ... e=youtu.be

You will have to make DIY foam padding for laptop.
by livesoft
Sun Jun 23, 2019 3:38 pm
Forum: Personal Investments
Topic: Seeking practical help understanding “bid-ask spread” for ETFs
Replies: 52
Views: 2199

Re: Seeking practical help understanding “bid-ask spread” for ETFs

This should probably go in the case study thread, but I think some might find it an amusing anecdote for this thread. I received a dividend in my Roth IRA the other day. I wanted to invest it in a timely manner and not leave a cash turd in the account. The account already held VSS, the dividend in t...
by livesoft
Sun Jun 23, 2019 3:29 pm
Forum: Personal Investments
Topic: Account Specific AA and Taking Advantage of Low Tax Bracket
Replies: 12
Views: 747

Re: Account Specific AA and Taking Advantage of Low Tax Bracket

You are rolling now, so keep up the momentum.
by livesoft
Sun Jun 23, 2019 3:28 pm
Forum: Personal Investments
Topic: I don't understand which accounts to place investments in
Replies: 6
Views: 725

Re: I don't understand which accounts to place investments in

I would not and do not. I try to invest tax efficiently because I have income taxes to pay. If you don't pay income taxes, then it probably doesn't matter what you do.
by livesoft
Sun Jun 23, 2019 3:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer private equity investments? Thoughts?
Replies: 66
Views: 5459

Re: Vanguard to offer private equity investments? Thoughts?

I suspect this is Vanguard's way to get more wealthy clients. Those clients have businesses that want to grow them and sell them. If Vanguard provides this "boutique service" to them, then their money stays at Vanguard. Another thing is that Vanguard is a behemoth. It should be constantly looking fo...
by livesoft
Sun Jun 23, 2019 2:43 pm
Forum: Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 218
Views: 19507

Re: Suggestion for updating "Asking Portfolio Questions" thread

In the key points example, a nod to gender neutrality can be made by changing "His 401(k)" to simply "My 401(k)", but I wouldn't be upset if it wasn't changed, though it is so so easy to change it. :)

Otherwise, I'm fine with the updates ... for now.
by livesoft
Sun Jun 23, 2019 1:33 pm
Forum: Investing - Theory, News & General
Topic: depleting accounts in retirement
Replies: 43
Views: 7720

Re: HOW TO DEPLETE FUNDS IN RETIREMENT

Yes, it is very simple and described in this wiki article: https://www.bogleheads.org/wiki/Placing_cash_needs_in_a_tax-advantaged_account If you like, substitute the word "cash" in the article with "bonds." Basically, one just maintains their asset allocation as needed no matter what one is selling ...
by livesoft
Sun Jun 23, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Outdoor vs Indoor HD antenna
Replies: 31
Views: 1205

Re: Outdoor vs Indoor HD antenna

Do you folks with antennas just watch PBS, have TiVo/RePlayTV, or suffer through commercials? I don't watch TV anymore except for the rare sports event that my spouse and maybe my children (if they are home) are watching it. My spouse watches more sports than me, so she has figured out how to displ...
by livesoft
Sun Jun 23, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: Outdoor vs Indoor HD antenna
Replies: 31
Views: 1205

Re: Outdoor vs Indoor HD antenna

HOAs or any other private or public entity cannot restrict over the air reception devices per the FCC: https://www.fcc.gov/media/over-air-reception-devices-rule From the link you gave: The rule allows local governments, community associations and landlords to enforce restrictions that do not impair...
by livesoft
Sun Jun 23, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Outdoor vs Indoor HD antenna
Replies: 31
Views: 1205

Re: Outdoor vs Indoor HD antenna

If it is on a mast (Google J-pole or J-mount), you take the dish down and put an antenna on the mast. That may not be allowed by the homeowners' association. Also note that any antenna should at least be pointed somehow in the general direction of the transmitter antennas of the stations that one w...
by livesoft
Sun Jun 23, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: roofer randomly showing up to home
Replies: 28
Views: 763

Re: roofer randomly showing up to home

I'm kinda laughing here because the phone guy and the truck guy have probably already decided that the OP is someone they don't want to do business with. The truck guy is not coming back.
by livesoft
Sun Jun 23, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: Outdoor vs Indoor HD antenna
Replies: 31
Views: 1205

Re: Outdoor vs Indoor HD antenna

Also, the LNB (ampllifier module) to which the coax cable attaches does some frequency translation before sending the satellite signal down the cable, which will mess with you trying to receive DTV with the dish. It wouldn't matter if the DISH antenna is pointed south to the satellite, but the home...
by livesoft
Sun Jun 23, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: Grand Canyon/Death Valley in October
Replies: 17
Views: 1052

Re: Grand Canyon/Death Valley in October

What should be main area to cover in Grand Canyon? Most people can do the Grand Canyon in 15 minutes: Arrive at Visitor Center, walk out to railing on the rim. Look. Go back to vehicle. Drive away. Some people will add to the above: Hike a little bit along the South Rim Trail. A few people add to t...
by livesoft
Sun Jun 23, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: roofer randomly showing up to home
Replies: 28
Views: 763

Re: roofer randomly showing up to home

Measurements and photos are easy to take. Thus, a price for the project can be estimated.
by livesoft
Sun Jun 23, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Premium vs Big Box outdoor furniture
Replies: 8
Views: 787

Re: Premium vs Big Box outdoor furniture

Chair King for outdoor furniture. I'm not sure why one would pay 4 to 5 times as much. Our patio furniture is about 25 years ago. Looks brand new because a. Made of aluminum with powder coating paint. Has been sand-blasted and re-paint about 10 years ago. b. The plastic fabric slings are readily rep...
by livesoft
Sun Jun 23, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: roofer randomly showing up to home
Replies: 28
Views: 763

Re: roofer randomly showing up to home

Does not seem peculiar to me. These guys are not the most astute business people because they are used to hammers, nails, nail guns, and building supplies. That is, they are not used to people.
by livesoft
Sun Jun 23, 2019 9:43 am
Forum: Personal Investments
Topic: Who should I open my taxable account with?
Replies: 25
Views: 1933

Re: Who should I open my taxable account with?

You have been fooled by the zero fee marketing machine. What if the performance was 0.05% lower than a fund that you pay 0.05% expense ratio for? What if the performance is the same, but you pay 0.15% more in taxes every year on the zero-fee funds?