Search found 56322 matches

by livesoft
Fri Nov 24, 2017 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to liquidate Wealthfront
Replies: 9
Views: 699

Re: Best way to liquidate Wealthfront

It seems to me that Wealthfront would be the folks to ask about this. They should have an algorithm for folks like you who want the "Best way to liquidate Wealthfront." Call them and ask them for advice. You paid for it.
by livesoft
Fri Nov 24, 2017 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Software and handling of Schedule D
Replies: 10
Views: 561

Re: Tax Software and handling of Schedule D

WellsTrade provides summarized info on their 1099-B. Transactions are presented individually, aggregated to the investment, and aggregated to the account. You can decide which to enter. HRBlock could not import WellsTrade 1099-Bs, but it didn't really matter to me.
by livesoft
Fri Nov 24, 2017 4:13 pm
Forum: Investing - Theory, News & General
Topic: Minimizing capital gains assuming FIFO basis
Replies: 26
Views: 1653

Re: Minimizing capital gains assuming FIFO basis

So is First-in, FIrst-out where I specifically identify the shares to be sold as the First Ones in? Or if I specifically Identify the shares to sell as the the First ones in, is that no longer specific share Identification? And if I use Average Cost for mutual fund shares, which shares get sold? :tw...
by livesoft
Fri Nov 24, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Bond BND vs VBTLX (etf vs fund)?
Replies: 11
Views: 999

Re: Vanguard Total Bond BND vs VBTLX (etf vs fund)?

I own both, but not in taxable. The difference is how dividends are paid out and how they are automatically reinvested. VBTLX: Dividend paid on at close of market on last market day of month. Reinvested that day at that NAV if auto reinvest is on. Dividend is accrued daily and paid monthly. If you ...
by livesoft
Fri Nov 24, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: if you could use only 1 investment firm...
Replies: 53
Views: 2064

Re: if you could use only 1 investment firm...

We have accounts at Vanguard, WellsTrade, Fidelity, TDAmeritrade, and TIAA-CREF. If I had to pick one, then I would pick WellsTrade because all the others have made mistakes. Although some of the mistakes are good, such as TDAmeritrade giving my spouse a free $85,000. They don't even want it back, b...
by livesoft
Fri Nov 24, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Solid Surface Shower Walls and Pan
Replies: 3
Views: 448

Re: Solid Surface Shower Walls and Pan

Our home built in the early 1990's came that way. Almost every hotel that I have stayed in recently also had a glass wall and a glass door for the shower. The joints were of silicone rubber including around the door. So I consider the idea so commonplace as to not require much thought at all. We hav...
by livesoft
Fri Nov 24, 2017 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio questions
Replies: 3
Views: 330

Re: Portfolio questions

The Roth conversion doesn't make sense at the present time especially when you indicate that you will be earning less and spending less in the future. Presumably, at that time your tax rates will be much lower and that is when a Roth conversion decision should be revisited. I will recommend that you...
by livesoft
Fri Nov 24, 2017 12:49 pm
Forum: Investing - Theory, News & General
Topic: WSJ - Is Your Stockpicker Lucky or Good?
Replies: 8
Views: 550

Re: WSJ - Is Your Stockpicker Lucky or Good?

In general, using actively-managed funds and/or a high-fee stock picker / sales rep will not bankrupt most of the people that choose to do that. I would consider the relationship more parasitic than symbiotic, so the parasite doesn't want to kill off the host that feeds them. I mean, how long did th...
by livesoft
Fri Nov 24, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: Making collegebound Kid Financially Savvy Questions..
Replies: 45
Views: 2180

Re: Making collegebound Kid Financially Savvy Questions..

Happy Thanksgiving Everyone! My kids are both home for this holiday for the first time in 5 years. They are not poverty-stricken. Mom and dad both think they are rather well-adjusted when it comes to money. I'll give a small example: I asked my ramen-noodle son to pick up some things at the grocery ...
by livesoft
Fri Nov 24, 2017 10:21 am
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 83
Views: 5567

Re: Why does everyone keep increasing their international stock %?

OK, maybe it is not performance chasing of international stocks, but fear that the US is going down the tubes. Suppose all foreign investors pulled out of US stocks and put their money in international stocks. What would that mean for those respective stock markets?
by livesoft
Fri Nov 24, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Bond Funds
Replies: 6
Views: 542

Re: Bond Funds

Why don't many of you subscribe to this strategy? I personally don't subscribe to this strategy because of extensive studies which show it is not a best strategy. For your reading pleasure today: https://earlyretirementnow.com/2016/12/07/the-ultimate-guide-to-safe-withdrawal-rates-part-1-intro/ It ...
by livesoft
Fri Nov 24, 2017 9:53 am
Forum: Investing - Theory, News & General
Topic: WSJ - Is Your Stockpicker Lucky or Good?
Replies: 8
Views: 550

Re: WSJ - Is Your Stockpicker Lucky or Good?

That suggests that one wants to make a lot of transactions in order to determine if they are lucky or not.
by livesoft
Fri Nov 24, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Public or Montessori Private School
Replies: 60
Views: 3706

Re: Public or Montessori Private School

We chose to go public and this was one of the big reasons. Also, it is hard to teach one's kids about the world and diversity when you start isolating them with other private school folks so early in life. I have friend's kids who literally have never interacted with an African American or poor gro...
by livesoft
Thu Nov 23, 2017 9:39 pm
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 83
Views: 5567

Re: Why does everyone keep increasing their international stock %?

Sell international and buy small-cap value or bonds. Be sure to check your market timing bands beforehand though.
by livesoft
Thu Nov 23, 2017 9:32 pm
Forum: Personal Consumer Issues
Topic: Any tips on gifts for employees?
Replies: 14
Views: 1073

Re: Any tips on gifts for employees?

Cash is thoughtful, but gift cards make them think of you when they use them.
by livesoft
Thu Nov 23, 2017 9:26 pm
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 83
Views: 5567

Re: Why does everyone keep increasing their international stock %?

I think the main reason for recent increases is chasing performance. After all, international funds have finally outperformed US funds in 2017. It may be time to start rebalancing out of international funds for that reason.
by livesoft
Thu Nov 23, 2017 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Bucket or Rebalance ?
Replies: 17
Views: 1234

Re: Bucket or Rebalance ?

^There are more than 2000 discussions at bogleheads.org that have the word "best" in the thread title. Somebody does care about best things, but I don't disagree with you.
by livesoft
Thu Nov 23, 2017 2:59 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 110
Views: 11396

Re: VG wants everyone to transfer to a brokerage account?

abuss368 wrote:
Thu Nov 23, 2017 2:32 pm
Does Vanguard keep track of cost basis and accounting for brokerage accounts like they do for mutual fund accounts?
Yes, it is the law.
by livesoft
Thu Nov 23, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Check my portfolio
Replies: 14
Views: 1242

Re: Check my portfolio

yncraig316 wrote:
Thu Nov 23, 2017 2:39 pm
.... 4 growth mutual funds.
Mutual funds do not need to have "growth" in their names for them to be growth mutual funds.
by livesoft
Thu Nov 23, 2017 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Portfolio Advisory service?
Replies: 22
Views: 1309

Re: Fidelity Portfolio Advisory service?

I'm willing to pay for good advice--but is there such a thing as good, non-biased advice? Or should I just take the DIY path of splitting everything into three Vanguard Index Funds that cover the market and be done with it? Good, non-biased advice is rare to find and harder to pay for. It is easier...
by livesoft
Thu Nov 23, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 72
Views: 5704

Re: H&R Block Software

And Amazon.com with the 5% bonus offer is down to $35 for the PC download. I'm almost tempted, but not yet.
by livesoft
Thu Nov 23, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund vs Working Capital Fund -- Too Huge?
Replies: 12
Views: 1220

Re: Emergency Fund vs Working Capital Fund -- Too Huge?

Are you going to ever make one of these deals again? Why?

As long as the CDs are paying more than the rate for US Treasuries, I don't see a problem, but call this investment part of your fixed income asset allocation.
by livesoft
Thu Nov 23, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 72
Views: 5704

Re: H&R Block Software

Ha! I tried hrblock.com twice in the past 3 minutes. Once the price was $44.95 and once it was $27.48. Go figure.
by livesoft
Thu Nov 23, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: best cordless drill??
Replies: 32
Views: 1682

Re: best cordless drill??

This is so subjective. You can google many legit reviews. I bought a Makita 18V one when it was on sale. It's great.
Expect to pay at least $90 for decent one.

See also: https://www.youtube.com/watch?v=ODf7760HwNY
Makita survived!
by livesoft
Thu Nov 23, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard Equivalents in new TDA commission free list
Replies: 10
Views: 967

Re: Vanguard Equivalents in new TDA commission free list

I like to tilt to small-cap value, so about 10% of my international is in DGS. I find it compelling when it goes up. Not so compelling when it goes down.
by livesoft
Thu Nov 23, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Bucket or Rebalance ?
Replies: 17
Views: 1234

Re: Bucket or Rebalance ?

I wonder what Richard Thaler says about a cash bucket.
by livesoft
Thu Nov 23, 2017 8:54 am
Forum: Investing - Theory, News & General
Topic: Vanguard Equivalents in new TDA commission free list
Replies: 10
Views: 967

Re: Vanguard Equivalents in new TDA commission free list

SPDW + SPEM seems OK, but the average market cap is higher than with VXUS. This can be addressed by adding in some DGS, too. For instance, 80% SPDW, 15% SPEM, and 5% DGS looks more similar to 100% VXUS when using morningstar.com's instant X-ray tool.
by livesoft
Thu Nov 23, 2017 2:55 am
Forum: Personal Consumer Issues
Topic: Public or Montessori Private School
Replies: 60
Views: 3706

Re: Public or Montessori Private School

I was not writing about Montessori at all. I was writing about graduates of the local public high school and the private high school.
by livesoft
Wed Nov 22, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Slanting International geographically or regionally
Replies: 25
Views: 993

Re: Slanting International geographically or regionally

Thanks for that observation. VSS/VFSVX is our largest single equity holding. Larger than VEA + VEU combined.
by livesoft
Wed Nov 22, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to withdraw from Inherited IRA in retirement?
Replies: 2
Views: 319

Re: Best way to withdraw from Inherited IRA in retirement?

Any cash-out of the inherited IRA will increase your AGI for really no benefit. That is, you can increase your AGI by the same amount with a Roth conversion for your benefit instead. In other words, instead of withdraw it all, just convert more of your own IRA to a Roth for the same tax hit. So just...
by livesoft
Wed Nov 22, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: What to do with portable basketball hoop in winter
Replies: 4
Views: 414

Re: What to do with portable basketball hoop in winter

Hmmm, never really thought about. My area has 2 to 4 hard freezes each year. Our water-filled goal base has never leaked in 18 years of outdoor use. I doubt it has ever frozen solid all the way through. I'm interested in the experiences of others.
by livesoft
Wed Nov 22, 2017 6:33 pm
Forum: Investing - Theory, News & General
Topic: Case study Broker trade executions
Replies: 151
Views: 16577

Re: Case study Broker trade executions

Ha! Maybe I will always buy odd lots from now on in order to get better prices. :)
by livesoft
Wed Nov 22, 2017 5:29 pm
Forum: Investing - Theory, News & General
Topic: Case study Broker trade executions
Replies: 151
Views: 16577

Re: Case study Broker trade executions

Yes, trades placed today and today's volume in DGS was about 25% of the reported Average Daily Volume. From what I see now, buy transaction is stated to have occurred at 12:08:18 and the sell at 12:08, but they were surely executed within 1 second of each other (as fast as I could click "confirm" in...
by livesoft
Wed Nov 22, 2017 4:08 pm
Forum: Investing - Theory, News & General
Topic: Case study Broker trade executions
Replies: 151
Views: 16577

Re: Case study Broker trade executions

Yes, these were market orders of more than 100 shares. The actual spread when I placed these orders was not 20 cents, but I think was under 3 cents.
by livesoft
Wed Nov 22, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Making collegebound Kid Financially Savvy Questions..
Replies: 45
Views: 2180

Re: Making collegebound Kid Financially Savvy Questions..

Want to make them financially savvy? That's easy: Take away ALL their money. That long-term savings account, withdraw all of it and put it in your checking account where she can't get to it.

My son is home for the holiday. I asked him what his last meal was: Ramen noodles. Perfect.
by livesoft
Wed Nov 22, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Public or Montessori Private School
Replies: 60
Views: 3706

Re: Public or Montessori Private School

We sent our daughter to the absolutely best private kindergarten in our county. She had to apply, pass exams, and get interviewed (and so did her parents). After that kindergarten we sent her to public school for grades 1-12. At the time in our area, private kindergarten was a full-day program, but ...
by livesoft
Wed Nov 22, 2017 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Did you end up overfunding a 529?
Replies: 13
Views: 957

Re: Did you end up overfunding a 529?

Maybe. My son has about $9,000 in expenses to go for an undergraduate degree, but more than $26,000 in his 529 plan. He should go on to graduate school though. My daughter went to a more expensive university with about the same assets in her 529 plan. When she received her M.S. her 529 plan was exha...
by livesoft
Wed Nov 22, 2017 12:50 pm
Forum: Investing - Theory, News & General
Topic: Case study Broker trade executions
Replies: 151
Views: 16577

Re: Case study Broker trade executions

Since TDAmeritrade now has DGS on its no-commission list, I decided to start purchasing shares of DGS at TDAmeritrade. I like the amount of shares that I already have, so I don't want to change the number of DGS shares I own in total across all my accounts now. Thus, when I bought shares of DGS at T...
by livesoft
Wed Nov 22, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: How do you define success in your life?
Replies: 46
Views: 1811

Re: How do you define success in your life?

Ron wrote:
Wed Nov 22, 2017 12:02 pm
After (almost) seven decades, I'm still waiting :oops: ...

- Ron
Then I must take you to lunch sometime. When are you available?
by livesoft
Wed Nov 22, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Transfer to a Vanguard Brokerage account?
Replies: 11
Views: 545

Re: Transfer to a Vanguard Brokerage account?

FWIW, I will probably acquiesce after the last December distribution is paid for the one fund in our Vanguard taxable mutual fund account. That way, I should not receive two different 1099-DIVs for that account: one for the pre-transition mutual fund distributions and one for the post-transition mut...
by livesoft
Wed Nov 22, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Any need for professional tax preparer?
Replies: 13
Views: 1148

Re: Any need for professional tax preparer?

I don't see a need for a professional tax preparer. They make lots of mistakes anyways. If you wonder about TaxAct, just get another tax software to see if it makes a difference. Sometimes the "interview" questions highlight something that you didn't think about, but generally not. They all end up w...
by livesoft
Wed Nov 22, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: How do you define success in your life?
Replies: 46
Views: 1811

Re: How do you define success in your life?

Ron wrote:
Wed Nov 22, 2017 11:00 am
I don't. That's a question for others to answer, about me.

- Ron
Yes, I agree. So how often do folks take you to lunch or ask to have a photo taken with you? :)
by livesoft
Wed Nov 22, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Slanting International geographically or regionally
Replies: 25
Views: 993

Re: Slanting International geographically or regionally

TheTimeLord wrote:
Wed Nov 22, 2017 11:01 am
I was considering using VXUS the baseline and would consider any regional holdings in addition to my VXUS to be a slant towards that region and away from the other regions.
VXUS may already be slanted due to Brexit, Grexit, and other things.
by livesoft
Wed Nov 22, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Transfer to a Vanguard Brokerage account?
Replies: 11
Views: 545

Re: Transition to a Vanguard Brokerage account?

This is the old upgrade notice from Vanguard that has had many many bogleheads.org threads about it. In the early days of these notices posters were mildly upset, but mostly folks have acquiesced on the issue. BTW, the thread title is "Transfer", but the Vanguard message is "Transition" which is not...
by livesoft
Wed Nov 22, 2017 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Slanting International geographically or regionally
Replies: 25
Views: 993

Re: Slanting International geographically or regionally

How would you know if you are slanted regionally anyways? What tool or metric would you use to analyze your portfolio that would tell you that? And why would you believe such a tool, calculator, or metric anyways? I'll add a couple of figures to this post in a moment. Vanguard Portfolio Watch has th...
by livesoft
Wed Nov 22, 2017 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Advice to become wealthy
Replies: 58
Views: 4917

Re: Advice to become wealthy

For many people, simply growing old makes them wealthy in their minds and often in their pocketbooks as well.
"Time isn't holding us; time isn't after us." -- Talking Heads

https://www.youtube.com/watch?v=98AJUj-qxHI

"Same as it ever was."
by livesoft
Wed Nov 22, 2017 7:21 am
Forum: Investing - Help with Personal Investments
Topic: FTIPX in tIRA, any concern about foreign tax?
Replies: 5
Views: 332

Re: FTIPX in tIRA, any concern about foreign tax?

I also don't worry about having international in an IRA, 401(k), Roth or other tax-advantaged account. Of course, if I have a fund in a taxable account, then I take the foreign tax credit if my 1099-DIV shows I paid foreign taxes. What I do worry about is having too many foreign dividends in taxable...
by livesoft
Wed Nov 22, 2017 7:17 am
Forum: Investing - Theory, News & General
Topic: Minimizing capital gains assuming FIFO basis
Replies: 26
Views: 1653

Re: Minimizing capital gains assuming FIFO basis

libralibra wrote:
Wed Nov 22, 2017 4:24 am
You could quickly complete your non-FIFO tax loss harvesting now, before you have to make that "assumption".
Folks should complete their tax-loss harvesting each year anyways. Indeed, with prices where they are today, there should be no tax-loss harvesting opportunities at the present time.