Search found 56995 matches

by livesoft
Mon Dec 18, 2017 8:37 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 14
Views: 1154

Re: Paul Merriman and Small Cap Value

I don't think people here are too fond of small cap value and would only consider a small percentage of it, if at all. Just found it interesting how Paul Merriman keeps talking it up Merriman has been talking it up for more than 30 years I think. LOTS of Bogleheads are quite fond of small cap value...
by livesoft
Mon Dec 18, 2017 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Moving to a bond ETF
Replies: 3
Views: 239

Re: Moving to a bond ETF

The main thing for me with bond ETFs vs mutual bonds is the way/timing of the monthly dividends.

Go ahead and buy some bond ETF shares at Vanguard and see what I mean.
by livesoft
Mon Dec 18, 2017 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Invest in Roth IRA now or wait until after dividend payout?
Replies: 2
Views: 116

Re: Invest in Roth IRA now or wait until after dividend payout?

Invest now. The distribution will not affect anything since this is a Roth account.
by livesoft
Sun Dec 17, 2017 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Placement of Total International Stock Fund for tax efficiency.
Replies: 7
Views: 1033

Re: Placement of Total International Stock Fund for tax efficiency.

Duckie wrote:
Sun Dec 17, 2017 6:57 pm
..., so it's pretty much a wash which fund is better in taxable for IRS purposes.
Because "it's a wash" also has connotations different from what you meant here, I have decided to try to not use it in that way on the forum. And if I do, please let me know. Thanks!
by livesoft
Sun Dec 17, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Build credit or pay in full
Replies: 11
Views: 887

Re: Build credit or pay in full

I had a 0% interest auto loan. Here's what I noticed: 1. My score was lower because I had the loan. This was because initially of hard pulls to check my credit by the lender. Then I had a big loan that I didn't have before, so I had a big increase in outstanding loan balances. 2. I was in no hurry t...
by livesoft
Sun Dec 17, 2017 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Taxes on reinvested dividends and capital gains
Replies: 3
Views: 299

Re: Taxes on reinvested dividends and capital gains

For years prior to retirement, I reinvested all dividends and capital gains into the after tax funds paying them. I paid tax annually on these gains. When I am ready to sell these funds, doesn't the total cost basis for all shares purchased, either directly or as reinvestments account for the taxes...
by livesoft
Sun Dec 17, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Can charitable deductions reduce short-term capital gains?
Replies: 7
Views: 621

Re: Can charitable deductions reduce short-term capital gains?

Another way to ask this is: "What happens if I increase my itemized deductions?" The answer is that your AGI does not change, but your taxable income changes even though your LT capital gains do not change. Can I ask a question back at you? How can you have ordinary income at 25% and short-term capi...
by livesoft
Sun Dec 17, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: What are the negatives of inheriting a Roth IRA - if any? (Non Spousal)
Replies: 11
Views: 981

Re: What are the negatives of inheriting a Roth IRA - if any? (Non Spousal)

... or take the whole thing after within 5 years tax free. The lump-sum option is just a subset of the above. One can make partial withdrawals throughout the 5 years. If any annual withdrawal is less than the RMD in the first 5 years, then one is using the 5-year plan. Of course, if all the annual ...
by livesoft
Sun Dec 17, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Dividends
Replies: 13
Views: 1290

Re: Dividends

The forum is mature enough that there's always a wiki article:
https://www.bogleheads.org/wiki/Reinves ... le_account
by livesoft
Sun Dec 17, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone putting money aside into Gold?
Replies: 54
Views: 2842

Re: Is anyone putting money aside into Gold?

No worries, I have no steak in gold nor golf myself.
by livesoft
Sun Dec 17, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Buy on Ex-Div Date or Just Afterwards?
Replies: 20
Views: 2301

Re: Buy on Ex-Div Date or Just Afterwards?

Thank you livesoft! I received year-end bonus on the 15th and will wait until 12/21/2017 (ex-dividend dates of most of my ETFs and funds) before I put in the buy order. There's no point paying for dividends while I can wait 4 more days. Ha! You cannot predict the future. Maybe when a certain politi...
by livesoft
Sun Dec 17, 2017 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone putting money aside into Gold?
Replies: 54
Views: 2842

Re: Is anyone putting money aside into Gold?

We have a very modest amount of money in a golf mining companies stock ETF. Probably a waste of capital on our part. Even if it zags when the rest of the portfolio zigs the amount is not enough to be a meaningful hedge. Increasing the amount so as to be meaningful is too risky in our view, so back ...
by livesoft
Sun Dec 17, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: Lunch Ideas
Replies: 14
Views: 1323

Re: Lunch Ideas

In previous "What do you pack for lunch?" threads, I described how I make salads for about $1 a meal.
viewtopic.php?p=3033151#p3033151
by livesoft
Sun Dec 17, 2017 6:54 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance with E*TRADE?
Replies: 1
Views: 139

Re: Rebalance with E*TRADE?

OK, move your IRA from E*TRADE to Fidelity. Does your Fidelity 401(k) accept rollovers?
by livesoft
Sun Dec 17, 2017 5:31 am
Forum: Investing - Help with Personal Investments
Topic: Placement of Total International Stock Fund for tax efficiency.
Replies: 7
Views: 1033

Re: Placement of Total International Stock Fund for tax efficiency.

Yes. But the Vanguard CFP .... Are you disappointed that the CFP is not as knowledgeable as you had hoped? Does it make you wonder whether any of their other advice is legit? What about that Bogleheads wiki? Isn't it neat that sometimes Conventional Wisdom is not to be trusted? Who can you trust? W...
by livesoft
Sun Dec 17, 2017 4:25 am
Forum: Investing - Help with Personal Investments
Topic: Kiddie Tax Optimization
Replies: 4
Views: 650

Re: Kiddie Tax Optimization

Yes, definitely. I gave my son shares of Vanguard Large-Cap Index fund shares. He immediately sold them for a gain and paid no tax on the gain.
by livesoft
Sat Dec 16, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Trust for my kids (in the event of my death)
Replies: 15
Views: 1217

Re: Trust for my kids (in the event of my death)

We didn't want to control from the grave, so they just get it all. I don't care if they blow it.
by livesoft
Sat Dec 16, 2017 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Kiddie Tax Optimization
Replies: 4
Views: 650

Re: Kiddie Tax Optimization

I guess you didn't fund the UTMA with gifts of shares already held long-term. If you had, they could've been tax-gain harvested with no short-term holdings. You can still gift shares held long-term in the next week or so for 2017 and do the tax-gain harvesting with ALL long-term shares. Don't harves...
by livesoft
Sat Dec 16, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: end of 2017 portfolio review/sanity check
Replies: 8
Views: 712

Re: end of 2017 portfolio review/sanity check

In your tax bracket, I would avoid Small-cap Value in taxable, especially since it is such a small amount AND you have room elsewhere for it. If you don't think you have room elsewhere, then consider letting it go or replacing the REIT fund with a SCV fund. Basically, lose that $30K of SCV in taxabl...
by livesoft
Sat Dec 16, 2017 5:51 pm
Forum: Personal Consumer Issues
Topic: Single Purpose Device- Waffle Iron
Replies: 21
Views: 1525

Re: Single Purpose Device- Waffle Iron

Dinner waffles? Dessert waffles? While my mom had a waffle iron and we ate waffles every 3rd Sunday (rotated with pancakes and French toast), we have never owned one our entire adult lives. If we want waffles, we go out to brunch. OK, we eat waffles about once every 10 years. A George Forman grill c...
by livesoft
Sat Dec 16, 2017 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Buying funds in December
Replies: 7
Views: 1259

Re: Buying funds in December

For many index funds, the gains just yesterday were much more than any taxes one would incur by buying the December distribution.
by livesoft
Sat Dec 16, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 39
Views: 1899

Re: Electric Energy Usage

In a rental home I lived in, the duct from the living area to the furnace had detached from the furnace so that attic air was being sucked directly through the furnace and AC and blown into the living area. A simple visual inspection showed the problem. Have you looked at all your ductwork?
by livesoft
Sat Dec 16, 2017 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: When to move into bonds
Replies: 46
Views: 3412

Re: When to move into bonds

Another idea is to look at what Target Date funds do with their bonds allocations and sort of follow them.
Figure 2 in https://personal.vanguard.com/pdf/icrtdf.pdf
by livesoft
Sat Dec 16, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 103
Views: 9248

Re: Terrible negotiator - need help with words to use [Buying a car]

Most people would at least like to sit in the car they are going to spend thousands of dollars on and test drive it. You just suggested no human interaction which also suggests no test driving, no sitting in the care, and so on. And no time researching which car you want to buy. I suppose the future...
by livesoft
Sat Dec 16, 2017 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Taxes on 401(k)withdrawl
Replies: 12
Views: 1010

Re: Taxes on 401(k)withdrawl

I think the OP is asking not what the actual tax will be, but what the withholding per Publication 15 will be given a W-4 filed with his 401(k) provider. He is assuming that it works like withholding of taxes from a paycheck.
by livesoft
Sat Dec 16, 2017 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Why does VTI have a fee of .04?
Replies: 10
Views: 1219

Re: Why does VTI have a fee of .04?

And don't forget that the expense ratio is distinct from the SEC fee collected by your broker when you sell shares of VTI (and any other ETF).
by livesoft
Sat Dec 16, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Is this dividend correctly reported by the mutual fund ?
Replies: 2
Views: 304

Re: Is this dividend correctly reported by the mutual fund ?

Two things: 1. You might read the package insert that comes with your 1099-DIV when you get it. Here is such a brochure from Vanguard: https://www.vanguard.com/pdf/1099DIV_012016.pdf which has useful information. 2. See this thread from the past couple of hours: https://www.bogleheads.org/forum/view...
by livesoft
Sat Dec 16, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend classification wrong? Fidelity funds
Replies: 8
Views: 282

Re: Dividend classification wrong? Fidelity funds

You will be disappointed then by what Fidelity tells you.

Your best bet is to go by what the ratios were in 2016. I think even Fidelity will tell you that until the real number come out in March.
by livesoft
Sat Dec 16, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Bogleheads APP?
Replies: 4
Views: 639

Re: Bogleheads APP?

Noobvestor posted about one in this thread:
viewtopic.php?p=877422#p877422
by livesoft
Sat Dec 16, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 39
Views: 1899

Re: Electric Energy Usage

Kids certainly don't need baths every day, but maybe you already have them bathe only twice a week.
by livesoft
Sat Dec 16, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 39
Views: 1899

Re: Electric Energy Usage

I also think that heating water could be the OP's main issue. Low-flow showerheads and those little hour-glass shower timers might help shorten long, hot showers into savings.

Also check that the previous owners didn't install driveway snow melting cables and leave them turned on.
by livesoft
Sat Dec 16, 2017 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone putting money aside into Gold?
Replies: 54
Views: 2842

Re: Is anyone putting money aside into Gold?

Gold is pretty to look at and hold in one's hands. At least that's the only reason for owning gold concluded by all the gold bugs who participated in this very recent gold thread: viewtopic.php?f=1&t=233083
by livesoft
Sat Dec 16, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: PLEASE HELP: Setting up new individual 401k
Replies: 13
Views: 536

Re: PLEASE HELP: Setting up new individual 401k

After reading about individual 401(k)s on bogleheads.org, I opened my at TDAmeritrade. They have all the features I needed with no hassles and a local office where I can drop off my 401(k) contribution when I go out to lunch or go to the library. I rolled my old employer 401(k) into my solo 401(k). ...
by livesoft
Sat Dec 16, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 39
Views: 1899

Re: Electric Energy Usage

3000+ sq ft house. We used 322 kWh from 11/3 through 12/6 or 9.8 kWh/day. From bill history, we will use less each of the next 3 months. Some ideas: Set heat to no higher than 68 deg F in winter. Wear sweaters. Use down comforters. Don't use an automatic icemaker. If you have one turn it off. You ca...
by livesoft
Sat Dec 16, 2017 5:30 am
Forum: Personal Consumer Issues
Topic: Advice for Used Car Buying
Replies: 29
Views: 3298

Re: Advice for Used Car Buying

livesoft, would you expect prices to become reasonable during the second half of the 12th month of the year, namely the present time? I have no clue really, but I expect not since there are more buyers at this time of year, aren't there? You know, people get bonuses; people give gifts, people go fo...
by livesoft
Sat Dec 16, 2017 5:23 am
Forum: Investing - Theory, News & General
Topic: TD Ameritade Year to Date Income
Replies: 1
Views: 323

Re: TD Ameritade Year to Date Income

Did you look at your monthly statement? Online. See page 1.
by livesoft
Fri Dec 15, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: Financial Assistance to Adult Child (health insurance)
Replies: 69
Views: 2975

Re: Financial Assistance to Adult Child (health insurance)

She'll be fine.

I have friends in NYC in low paying jobs. They just have 3 of them at the same time.
by livesoft
Fri Dec 15, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Financial Assistance to Adult Child (health insurance)
Replies: 69
Views: 2975

Re: Financial Assistance to Adult Child (health insurance)

Re: Leukemia. Insurance does not pay for experimental procedures, so having insurance was not an issue for that. Also, people can get insurance still with pre-existing conditions, so I imagine your daughter and friends cross that bridge when they need to. Car insurance: I didn't have car insurance f...
by livesoft
Fri Dec 15, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Uber vs Ambulance - HUGE cost difference
Replies: 58
Views: 6220

Re: Uber vs Ambulance - HUGE cost difference

Check out what Good Samaritan laws are in your state.
by livesoft
Fri Dec 15, 2017 7:38 pm
Forum: Personal Consumer Issues
Topic: Financial Assistance to Adult Child (health insurance)
Replies: 69
Views: 2975

Re: Financial Assistance to Adult Child (health insurance)

My spouse actually says this: "Not my problem. You have to just cut them off." And I thought I was tough. I imagine though if our kids needed money for an actual medical emergency, the cash would flow. I know I didn't have health insurance from age 20 through 26. I didn't give it any thought at all.
by livesoft
Fri Dec 15, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: States with tax-friendly policies for dividends/LTCG
Replies: 13
Views: 1554

Re: States with tax-friendly policies for dividends/LTCG

Our prop taxes are way less than they would be in NY where we used to live. But our McMansion cost a fraction of what it would cost in a place like NY or CA. OTOH, no need for expensive private schooling.
by livesoft
Fri Dec 15, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Are you prepaying real-estate taxes this year?
Replies: 16
Views: 1978

Re: Are you prepaying real-estate taxes this year?

No. We bunched our deductions last year, so 2017 is a standard deduction year for us. Paying 2018 taxes in late Dec 2017 would do us no good.
by livesoft
Fri Dec 15, 2017 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with T. Rowe Price funds
Replies: 16
Views: 1121

Re: What to do with T. Rowe Price funds

You don't take any previous taxes that you paid into account. You simply look up the cost basis of your shares and see what the unrealized gains or losses are. Many people believe erroneously that the cost basis of their shares are the original purchase price of the first shares and do not include t...
by livesoft
Fri Dec 15, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 20747

Re: Tax strategy for 2018

No, you do not have the option. If you pay in 2017, then the deduction happens in 2017.
by livesoft
Fri Dec 15, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: Uber vs Ambulance - HUGE cost difference
Replies: 58
Views: 6220

Re: Uber vs Ambulance - HUGE cost difference

Ha ha. What kind of OR are you planning to go to for your heart attack? You think the CT surgeon is waiting in there ready to do your CABG? I thought you worked in health care? Your point, however, is right. If medics take you to the hospital for a heart attack and you've actually got a STEMI, it w...
by livesoft
Fri Dec 15, 2017 3:19 pm
Forum: Investing - Theory, News & General
Topic: Dividend Clarification
Replies: 12
Views: 533

Re: Dividend Clarification

My point is that it's so small, it won't change anything AND you'd be better off with VTI in the first place. That's all I'm asking, how do people justify having these funds in the Accumulation stage? They actually don't justify having these funds to me and apparently not to you either. In their ow...
by livesoft
Fri Dec 15, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350 - new vs. preowned
Replies: 29
Views: 1974

Re: Lexus RX 350 - new vs. preowned

abonder wrote:
Fri Dec 15, 2017 1:40 pm
Thanks for the summary. I think being bold and undeterred by rejection is probably the key thing.
I used to submit NIH R01 grants in my former life, so I am well-experienced with rejection.