Search found 55633 matches

by livesoft
Fri Sep 22, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Needing a little guidance!
Replies: 7
Views: 477

Re: Needing a little guidance!

The only thing I would add is to not be emotional nor sentimental about this money. I have already told my young adult children that whatever they inherit is their money to do as they see fit. They should spend it or invest in their own asset allocation according to their investment policy statement...
by livesoft
Fri Sep 22, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: Older or younger people travel around?
Replies: 5
Views: 327

Re: Older or younger people travel around?

My observations are that I somehow attract young people around me when I travel. But I also attract older people and children. And animals. And plants.

My advice if you want to travel is to start traveling now and keep traveling until you die.
by livesoft
Fri Sep 22, 2017 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: $3.6 million at age 25 - need investment advice
Replies: 30
Views: 2137

Re: $3.6 million at age 25 - need investment advice

If you want to invest in index funds, then a good start is the so-called 3-fund portfolio because it is tax-efficient and worry-free. I don't think you will mind reading up about it: https://www.bogleheads.org/wiki/Three-fund_portfolio You won't be locked into it and can easily change things. For in...
by livesoft
Fri Sep 22, 2017 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for mid 50 age group
Replies: 10
Views: 535

Re: Asset Allocation for mid 50 age group

We were about 70/30 and no cash.
by livesoft
Fri Sep 22, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: The cost of walking el Camino de Santiago
Replies: 103
Views: 19420

Re: The cost of walking el Camino de Santiago

My spouse and her friends just got a guide to arrange all the hotels, luggage transfers, lectures along the way. There must be tons of them on the internet. I'll ask her what she paid. I got a great bike jersey out of her trip.
by livesoft
Fri Sep 22, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Please check my thinking - wife's high -fee 403b
Replies: 7
Views: 373

Re: Please check my thinking - wife's high -fee 403b

Sounds OK to me.

Can you take out a loan on a this account in the future, so up to 50% of the amount in it? If you can, that leads to some other possibilities which we can discuss.
by livesoft
Fri Sep 22, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Help with Fidelity 401k rollover
Replies: 4
Views: 182

Re: Help with Fidelity 401k rollover

In your shoes, I would call up Fidelity and ask those questions. You could also use the Chat feature of their web site. You are paying for all this, so why not use their help?

Full disclosure: I had a Fidelity 401(k) and rolled it over which is why I read your thread.
by livesoft
Fri Sep 22, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: How to recognize self-help books?
Replies: 14
Views: 561

Re: How to recognize self-help books?

I'm not sure what you mean by "self-help" since I suppose one should read books for their own personal benefit and not to make themselves worse off nor to waste one's time. Kahneman's book is basically a restatement of his life work, so I don't think it was meant to be a "self-help" book. However, i...
by livesoft
Fri Sep 22, 2017 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Flooded out subdivision
Replies: 17
Views: 1412

Re: Flooded out subdivision

^A difference between Queens / Long Island and Houston is that they are not making any more land in the New York area, so that one cannot move outward and build. In the Houston area, there are plenty of places on higher ground to start fresh from. I would not be surprised if Houston and Dallas meet ...
by livesoft
Fri Sep 22, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: Foreign Currency Conversion Accepted, then Rejected
Replies: 14
Views: 725

Re: Foreign Currency Conversion Accepted, then Rejected

We have no idea about what this "local currency" is, do we? Iraqi Dinars? German Marks? Italian Lira? Venezuelan bolívars? Something counterfeit? Sell it on E-bay and see what you get. I have found that at least one Bank of America teller was incompetent, so that it is possible that your person acce...
by livesoft
Thu Sep 21, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: How long for a wire transfer to settle/be available at Vanguard?
Replies: 5
Views: 296

Re: How long for a wire transfer to settle/be available at Vanguard?

I wonder if you only tried to use the web interface, but if you had called that you would have been able to do a wire transfer out to an external account?
by livesoft
Thu Sep 21, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: How long for a wire transfer to settle/be available at Vanguard?
Replies: 5
Views: 296

Re: How long for a wire transfer to settle/be available at Vanguard?

The funds were probably already available, since you don't have to have money in your settlement account to use it. If it shows as a credit, then it is usually available. Did you try to use it? There is a big difference between "money available" and "web interface updated in a timely manner." Vangua...
by livesoft
Thu Sep 21, 2017 4:52 pm
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 49
Views: 4860

Re: Retirees, what is your marginal tax rate?

@Bacchus01, We pay under 4% in Federal income taxes on a 6-figure adjusted gross income. One of us is working full-time.

See also: viewtopic.php?t=87471
by livesoft
Thu Sep 21, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Tax on joint brokerage accounts?
Replies: 13
Views: 816

Re: Tax on joint brokerage accounts?

I had another thought: 3 separate joint accounts with each of your SSN as the primary owner as first on each of the 3 joint accounts. The bad news with joint accounts is that your liabilities get entwined, so if one of you goes bankrupt, the others lose their money.
by livesoft
Thu Sep 21, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Tax on joint brokerage accounts?
Replies: 13
Views: 816

Re: Tax on joint brokerage accounts?

I don't see the point of a joint account when each of you can have your own separate account that has each of your own SSN on it. What's the point of a joint account? I don't see the point of a trust. You could have a joint account and after you get the 1099-B/1099-DIV/1099-INT, then you could issue...
by livesoft
Thu Sep 21, 2017 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds - Ugh
Replies: 26
Views: 1823

Re: Bonds - Ugh

The intermediate funds seem to have decent returns, my problem is their steady loss this year -... Steady loss? Isn't that fake news? VBIIX has returned at least 3.8% YTD which is great for a bond fund. VBTLX is up at least 3.15%. Short-term corp bond index is up only 2.45%. Your stable value fund ...
by livesoft
Thu Sep 21, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds - Ugh
Replies: 26
Views: 1823

Re: Bonds - Ugh

Advice: If you don't like intermediate-term bond funds, then get something else. You have a zillion choices: 1. Short-term bonds, I think Vanguard has at least 9 different ST bond funds. I use VCSH. 2. CDs 3. Savings accounts. 4. No-interest checking account and cash-sweep accounts. 5. Maybe you hav...
by livesoft
Thu Sep 21, 2017 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Merging inheritance with different asset allocation
Replies: 10
Views: 665

Re: Merging inheritance with different asset allocation

I cannot tell what is going on here. It seems there are enough tax-advantaged assets that can be used to get the overall portfolio Asset Allocation inline with your desires without any capital gains or tax consequences, so that the taxable assets can be dealt with in a rationale tax-efficient manor....
by livesoft
Thu Sep 21, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Flooded out subdivision
Replies: 17
Views: 1412

Re: Flooded out subdivision

Neighborhoods south of me that perennially flood turned into 'hoods of rental homes that rented only to people too stupid to understand the flood danger and/or with too little money. A few people rebuilt their homes up on stilts. But 330/360 is really really bad. Maybe turn the place into a baseball...
by livesoft
Thu Sep 21, 2017 1:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Please Offer a Gold ETF
Replies: 78
Views: 3181

Re: Vanguard: Please Offer a Gold ETF

Even if you personally don't plan to hold gold, you should probably want Vanguard to grow as much as it can as a business so that it can pass along profits in the way of expense reduction for its other funds that you do use.) I think you are thinking about this wrong. Since a Vanguard gold ETF woul...
by livesoft
Thu Sep 21, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Would you get flood insurance?
Replies: 18
Views: 886

Re: Would you get flood insurance?

Yes, I suggest you get flood insurance. You also implied that your street flooded.
by livesoft
Thu Sep 21, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: Hurricane Harvey has me rethinking my approach to disaster preparations
Replies: 64
Views: 5054

Re: Hurricane Harvey has me rethinking my approach to disaster preparations

They still own the land under the houses. The houses could have been just $100K each and the land $200K each, but probably not as much now. :) Also "lost" means different things to different people. It is possible that only lower 6 ft (or 1 ft) of home was flooded of a 2-story home. Sure, it's a los...
by livesoft
Thu Sep 21, 2017 11:14 am
Forum: Investing - Theory, News & General
Topic: buying, Fill or Kill, point spread question
Replies: 2
Views: 239

Re: buying, Fill or Kill, point spread question

You probably would have been able to buy at 63.22. Why didn't you divide your order into 2 orders and try it both ways?

But I will say the number of shares in your order will have an effect on what price you get.
by livesoft
Thu Sep 21, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Having First Child a little later in life, Debt just paid, Help Us Check In
Replies: 14
Views: 1545

Re: Having First Child a little later in life, Debt just paid, Help Us Check In

OK, here's the help you need to get over it: Get over it. Taxable account investing is set-and-forget for the most part. Now using an Ally savings account is so much more of a hassle: You get a 1099-INT and interest that you have declare on your tax return. Whoops! If you already deal with a 1099-IN...
by livesoft
Thu Sep 21, 2017 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Warren Buffett and Bond Funds
Replies: 34
Views: 2472

Re: Warren Buffett and Bond Funds

You are missing that Mr Buffett has billions of dollars and benefits when people keep their money in the stocks of companies that he owns.
by livesoft
Thu Sep 21, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Blue Chip Growth (FBGRX) - anomaly or good investment
Replies: 24
Views: 934

Re: Fidelity Blue Chip Growth (FBGRX) - anomaly or good investment

What about its after-tax return? If it goes in a taxable account, how much of the "growth" is paid out and taxed every year?
by livesoft
Thu Sep 21, 2017 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Having First Child a little later in life, Debt just paid, Help Us Check In
Replies: 14
Views: 1545

Re: Having First Child a little later in life, Debt just paid, Help Us Check In

If your gross annual income is $130K - $150K and you are contributing $36K to tax-deferred retirement plans and you have other things taken out of your paychecks such as health insurance, then I don't see how you are in the 28% marginal income tax bracket. With a child, are you not in the 15% margin...
by livesoft
Wed Sep 20, 2017 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Russell 3000 Index Fund [offered at Vanguard?]
Replies: 8
Views: 538

Re: Russell 3000 Index Fund [offered at Vanguard?]

Yes. I typed "vanguard russell 3000 index fund" and found them.
by livesoft
Wed Sep 20, 2017 7:00 pm
Forum: Investing - Theory, News & General
Topic: AA if you were just starting out again
Replies: 38
Views: 2448

Re: AA if you were just starting out again

I am pretty sure that I would choose the same asset allocations in terms of equities, bonds, US:foreign, but of course the actual products would be different. Back in the early 1980s, we used GNMA funds and something called Ivy International fund, Vanguard Money Market Prime, and Vanguard S&P500 ind...
by livesoft
Wed Sep 20, 2017 6:43 pm
Forum: Forum Issues and Administration
Topic: Why so many 'negative' responses?
Replies: 20
Views: 1647

Re: Why so many 'negative' responses?

heybro wrote:
Wed Sep 20, 2017 6:28 pm
I have never seen anyone say 'sounds good!' I think is my point.
Ha! Ha! One can search the forum for the phrase "sounds good" and find over 300 instances.

Sorry! :sharebeer
by livesoft
Wed Sep 20, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard total us dividend for Sept?
Replies: 10
Views: 1200

Re: Vanguard total us dividend for Sept?

As of 5 pm EST, vanguard.com has not updated its web page to show the Declaration of the VTI dividend yet.

Is the suspense killing you?
by livesoft
Wed Sep 20, 2017 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversions and taxes
Replies: 34
Views: 2085

Re: Roth Conversions and taxes

Yes, my spouse is still working and really messes up all my Roth conversion plans even though I ask her to retire. But for the most part, I can treat her income like a "pension" and just deal with it.
by livesoft
Wed Sep 20, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: advice on possible brokerage Link
Replies: 9
Views: 528

Re: advice on possible brokerage Link

I think that the OP may not quite understand all the fees that they might pay for using the Brokerage Link option. Also, they may not understand that not all funds are available for purchase through the Brokerage Link option. For instance, it is doubtful that one can buy VTSAX through a Fidelity Bro...
by livesoft
Wed Sep 20, 2017 12:54 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 76
Views: 3890

Re: Bogleheads you would most like to meet and why?

an_asker wrote:
Wed Sep 20, 2017 12:52 pm
livesoft wrote:
Mon Sep 18, 2017 11:58 pm
[...]
I'm happy to buy anyone breakfast, lunch, and/or dinner.[...]
How far do I have to drive to get this free lunch? ;-)
No worries, I'll come to you.
by livesoft
Wed Sep 20, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversions and taxes
Replies: 34
Views: 2085

Re: Roth Conversions and taxes

..., but for now, the reason I keep that much in bonds in my taxable account is if/when the market corrects, I can use those bonds for living expenses instead of having to take distributions from the bonds in my tIRA. We don't do that because 1. When we sell equities in taxable, we simply exchange ...
by livesoft
Wed Sep 20, 2017 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Does bid-ask spread matter with automatic reinvestment?
Replies: 14
Views: 623

Re: Does bid-ask spread matter with automatic reinvestment?

There's just not much investors can do to prove that one way or the other is there? I agree that one accepts it or just manually reinvests. Our smaller accounts are set to automatically reinvest, but our large accounts are set to take dividends in cash and we manually use them. PS: I love market ti...
by livesoft
Wed Sep 20, 2017 10:50 am
Forum: Investing - Help with Personal Investments
Topic: choosing funds for company 401k
Replies: 2
Views: 158

Re: choosing funds for company 401k

I would reduce the number of funds selected drastically and make sure to get some Target Date Index funds. A big problem is that some people on a committee want to get their favorite fund that they trade, but committee members have a fiduciary duty to make it easy, simple, and beneficial to the part...
by livesoft
Wed Sep 20, 2017 10:34 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 76
Views: 3890

Re: Bogleheads you would most like to meet and why?

sscritic is alive and well. We had lunch together a little while ago.
by livesoft
Wed Sep 20, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Does bid-ask spread matter with automatic reinvestment?
Replies: 14
Views: 623

Re: Does bid-ask spread matter with automatic reinvestment?

I don't understand, wouldn't you have to execute your trade at precisely the identical time in account # 1 that your broker does in account #2 to get an accurate comparison? If I see that that TDA filled my reinvested divs on VTI at 11:56:08 I can easily go back and look at a minute by minute to "c...
by livesoft
Wed Sep 20, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Does bid-ask spread matter with automatic reinvestment?
Replies: 14
Views: 623

Re: Does bid-ask spread matter with automatic reinvestment?

And to give you an idea of round-off error: On 6/27/2017, the opening price for VSS was $107.83. A dividend of $155.85 bought 1.445 shares, but 1.445 x 107.83 = $155.81 and $155.85 / $107.83 = 1.4453, so I didn't get 0.0003 shares that I should have gotten. On 3/28/2017, the opening price for VSS wa...
by livesoft
Wed Sep 20, 2017 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Does bid-ask spread matter with automatic reinvestment?
Replies: 14
Views: 623

Re: Does bid-ask spread matter with automatic reinvestment?

I believe it does. According to Vanguard , they re-invest dividends using market orders, which I believe will be subject to bid-ask spreads. (You didn't mention, but I assume you hold this ETF at Vanguard.) Thanks for the link. There is NO bid/ask spread at the opening cross when Vanguard executes ...
by livesoft
Wed Sep 20, 2017 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Does bid-ask spread matter with automatic reinvestment?
Replies: 14
Views: 623

Re: Does bid-ask spread matter with automatic reinvestment?

Automatic reinvestment of dividends paid by ETFs is tricky and there is no one way that is always better. I think the costs are dominated by round-off error and how your broker decides when to buy and what price to pay not by the bid/ask spread. Here is a thread about round-off error, in this case a...
by livesoft
Wed Sep 20, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Roth Conversions and taxes
Replies: 34
Views: 2085

Re: Roth Conversions and taxes

I don't think anyone can answer the questions asked at the start of this thread with any degree of certainty. I will say that one can reduce the growth of potential RMDs by putting low-growth investments in the traditional IRAs. That means use bond funds in tax-deferred accounts and don't use stock ...
by livesoft
Wed Sep 20, 2017 9:14 am
Forum: Investing - Theory, News & General
Topic: Federal Reserve September 2017 meeting
Replies: 5
Views: 739

Re: Federal Reserve September 2017 meeting

It will have no effect.
by livesoft
Wed Sep 20, 2017 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard total us dividend for Sept?
Replies: 10
Views: 1200

Re: Vanguard total us dividend for Sept?

jebmke wrote:
Wed Sep 20, 2017 8:54 am
Are there that many people who depend on the dividend being delivered on say, 9/20 vs. 9/21 .....?
Sometimes I do because I need the dividend in order to pay expenses such as college tuition, property taxes, and credit card bills which all have deadlines.
by livesoft
Wed Sep 20, 2017 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard total us dividend for Sept?
Replies: 10
Views: 1200

Re: Vanguard total us dividend for Sept?

VTI is not paying a dividend today which is why it does not show up on the Distributions tab. The dividend hasn't even been declared which is why it does not show up on the Distributions tab. The dividend will be declared later today and maybe by midnight 9/20/2017 will the vanguard.com web site get...
by livesoft
Tue Sep 19, 2017 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Where do mid-caps fit it?
Replies: 13
Views: 1158

Re: Where do mid-caps fit it?

BogleAlltheWay wrote:
Tue Sep 19, 2017 7:37 pm
but how I do I tell how much of each large, mid and small cap are being recommended by the portfolios?
Learn to use an X-ray analysis at morningstar.com.
by livesoft
Tue Sep 19, 2017 10:04 pm
Forum: Investing - Theory, News & General
Topic: Why is VXUS up and VTIAX down?
Replies: 11
Views: 2255

Re: Why is VXUS up and VTIAX down?

One had a distribution today and one didn't.