Search found 55674 matches

by livesoft
Sat Sep 23, 2017 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay ZERO taxes in retirement with 6-figure expenses
Replies: 174
Views: 87310

Re: How to pay ZERO taxes in retirement with 6-figure expenses

^I'm not sure what you mean. I don't pay zero taxes today. I prefer to make Roth conversions up to the top of the 15% marginal income tax bracket and my spouse works full-time. We certainly have more in our portfolio than the starting point of this thread almost 6 years ago.
by livesoft
Sat Sep 23, 2017 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Just Need Encouragement to Stick with TSP G Fund over F Fund
Replies: 11
Views: 561

Re: Just Need Encouragement to Stick with TSP G Fund over F Fund

Normally, the reason Bogleheads like the total bond market index is that it is very well diversified. I think that's a bit presumptuous, so allow another presumptuous opinion: I think the reason Bogleheads like the total bond market index is because a few folks told them that they should like the t...
by livesoft
Sat Sep 23, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: When does whole life make sense ?
Replies: 6
Views: 300

Re: When does whole life make sense ?

It sure reads that you will be leaving a legacy for your children. First, you have life insurance when you think your portfolio isn't legacy-worthy. Second, your portfolio has 30 years to become legacy-worthy (or whatever is the number of years remaining on your 30-year term life). Third, it looks l...
by livesoft
Sat Sep 23, 2017 8:35 pm
Forum: Investing - Theory, News & General
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 42
Views: 2899

Re: Help?! My 70 year old father is 100% invested in equities

You could offer to calculate the annual performance (or over any 2 dates) for the portfolio that you dad has by using XIRR(), Quicken, or MS Money. You would need to know the transaction information which he may not give you. Then if his portfolio does better than say Total Stock Market, he should b...
by livesoft
Sat Sep 23, 2017 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Is it a good time to buy Apple Stock on 9/23?
Replies: 9
Views: 447

Re: Is it a good time to buy Apple Stock on 9/23?

If you don't mind losing money, I don't see why you don't buy 100 shares of AAPL, but $100,000 worth without any prior experience with stocks: I don't think so.

Full disclosure: I would not bother to own a single stock anymore.
by livesoft
Sat Sep 23, 2017 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: REBALNCE: TLH partner, BONDs
Replies: 6
Views: 145

Re: REBALNCE: TLH partner, BONDs

Yes, it is funny. I wouldn't use a SV fund unless the yield was at least 2.5% annually.
by livesoft
Sat Sep 23, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: REBALNCE: TLH partner, BONDs
Replies: 6
Views: 145

Re: REBALNCE: TLH partner, BONDs

Your stable value fund is up less than 1% YTD, so I think it is a loser of a stable value fund. I would take the risk and use a bond fund. The YTD of the bond fund that you reported looks suspiciously low, so it is probably not really YTD, so what is it? First 6-months?
by livesoft
Sat Sep 23, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: REBALNCE: TLH partner, BONDs
Replies: 6
Views: 145

Re: REBALNCE: TLH partner, BONDs

My thoughts are that your post is way, way, way, way, way too difficult to decipher. You got colors and CAPS and dashes and different font sizes and other things. Sorry, but them's my thoughts.
by livesoft
Sat Sep 23, 2017 7:05 pm
Forum: Investing - Theory, News & General
Topic: a really beginner question [Why are the fund prices different?]
Replies: 5
Views: 425

Re: a really beginner question [Why are the fund prices different?]

One share class is like alanine, but another share class is like Ala-Ala, and another share class might even be a tripeptide.
by livesoft
Sat Sep 23, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 15
Views: 1262

Re: Toilet Woes

neilpilot wrote:
Sat Sep 23, 2017 5:15 pm
Fine, but do you really think that the OP's newly installed fill valve, that didn't correct the issue, is the problem?
Yes, if it was installed incorrectly (i.e. the same way) twice.
by livesoft
Sat Sep 23, 2017 6:44 pm
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 30
Views: 1711

Re: Lifestyle Creep

Avoided the 3-car lifestyle creep when our 2 kids became drivers. I walked, rode my bike, or didn't go. Or we arranged schedules and "car-pooled." By that I mean that my teen-age son had to get up early and take my spouse to work at 7 am, if he wanted a car any time before 5 pm. Always avoided hirin...
by livesoft
Sat Sep 23, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: BP monitor inaccurate–how to recalibrate? Or replace with which brand?
Replies: 10
Views: 378

Re: BP monitor inaccurate–how to recalibrate? Or replace with which brand?

As someone who has done hundreds of BP measurements with a stethoscope and Hg doo-dad or other pressure gauge, just releasing the pressure at a different rate relative to heart rate could give wildly different numbers. For instance, my resting heart rate is around 40, so by the time a heart beat is ...
by livesoft
Sat Sep 23, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: BP monitor inaccurate–how to recalibrate? Or replace with which brand?
Replies: 10
Views: 378

Re: BP monitor inaccurate–how to recalibrate? Or replace with which brand?

teacher wrote:
Sat Sep 23, 2017 2:51 pm
Ten to twenty points higher could indicate medication.
Better start eating lots of chocolate before your measurement periods then.
by livesoft
Sat Sep 23, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: The cost of walking el Camino de Santiago
Replies: 109
Views: 20417

Re: The cost of walking el Camino de Santiago

My spouse said she spent about 200 euros a day in May 2016 and stayed in the some very fine hotels which were reached by being picked up from the Camino by her guide in a van. The next morning she was deposited by the van to about the same place. She only needed a fanny pack and a water bottle while...
by livesoft
Sat Sep 23, 2017 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Large inheritance -questions to ask potential advisors
Replies: 19
Views: 1212

Re: Large inheritance -questions to ask potential advisors

In a one time consultation, a CPA could explain to him capital gains tax brackets, RMDs (if any of the funds are in an IRA), taxes on ordinary dividends vs tax exempt muni bonds, strategies to shelter the funds in his own IRA or 529 accounts, etc. I suppose that is true, but the internet is not bro...
by livesoft
Sat Sep 23, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 15
Views: 1262

Re: Toilet Woes

Your description sounds like it has absolutely nothing to do with the toilet bowl.

Here's a tip: Pretend you are a water molecule. What are you doing when someone flushes the toilet? You can pretend you start in the feed pipe and anywhere along the path to the sewer.
by livesoft
Sat Sep 23, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: BP monitor inaccurate–how to recalibrate? Or replace with which brand?
Replies: 10
Views: 378

Re: BP monitor inaccurate–how to recalibrate? Or replace with which brand?

I cannot imagine that any external method of measuring blood pressure is accurate or precise to 4 units. I would even wonder how it was determined that the "Kaiser" measurements were accurate and/or precise. But fortunately, I don't think anyone needs to know what their blood pressure is to within b...
by livesoft
Sat Sep 23, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Anyone used Amazon to buy household goods
Replies: 23
Views: 1158

Re: Anyone used Amazon to buy household goods

I think retail stores know that people do shop online, so they have lowered their sale prices on household goods. We don't buy enough household goods to worry about it. For instance, I just bought some shampoo at Walmart because I was in there for something else. My last shampoo lasted 1.5 years. We...
by livesoft
Sat Sep 23, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 30
Views: 990

Re: Bogleheads monthly costs of dog ownership?

But we have a sheltie with a thick coat, and grooming her (particularly drying her) can take over an hour. Yes, but some shelties groom themselves because the outer and inner coats are proportional. Just a little brushing and one is all set. From another thread, this dog is 11-12 years old: http://...
by livesoft
Sat Sep 23, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Why use a REIT over a rental property?
Replies: 18
Views: 896

Re: Why use a REIT over a rental property?

haha touche My current holding in a REIT fund is zero (0%) of portfolio. My IPS says I can own 0% to 10%. I will buy REIT fund shares on a day that it drops at least 2.5% and a few other days. I will sell REIT fund shares on other days. I like to own it when it has a good chance of going up. I don'...
by livesoft
Sat Sep 23, 2017 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Help with asset location
Replies: 10
Views: 548

Re: Help with asset location

I think your tax-efficiency is great. By fund percentages, most folks don't have 300% of their portfolio in a Roth IRA. I see what you mean, but it isn't the way things are normally presented. I suggest never selling for a taxable gain in your taxable account, but instead selling only for a loss. Se...
by livesoft
Sat Sep 23, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Why use a REIT over a rental property?
Replies: 18
Views: 896

Re: Why use a REIT over a rental property?

jb1 wrote:
Sat Sep 23, 2017 11:37 am
Why would REIT not be buy and hold?
Because
Its extremely volatile, one housing bubble and can drop 50-75%. All for a 4% dividend? I have 8k in it.
by livesoft
Sat Sep 23, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Why use a REIT over a rental property?
Replies: 18
Views: 896

Re: Why use a REIT over a rental property?

1. REIT fund does not require me to be a landlord. 2. It is trivial to notice that REIT fund has dropped and needs rebalancing. 3. It is trivial to notice that REIT fund has gone way up and needs rebalancing. 4. It is trivial to then do that rebalancing. If you are buy-and-hold, then a REIT fund is ...
by livesoft
Sat Sep 23, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Shorter holds on funds movement
Replies: 3
Views: 189

Re: Shorter holds on funds movement

From a bank account, the hold should be essentially zero. One should be able to specify their bank account for "Where is the money coming from?" instead of the Fed MM account. To a bank account, the settlement time for funds has been a day, but stocks and ETFs has switched from 3 days to 2 days, but...
by livesoft
Sat Sep 23, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 42
Views: 2899

Re: Help?! My 70 year old father is 100% invested in equities

I keep thinking that I just saw a thread on another forum: Help?! My 35 year old kid is only 80% invested in equites. From what I've read on this board and in books, a 80% AA for a 35-year old is crazy. Am I nuts, or is the 80% AA insane? My kid just seems to care too much for bonds. Any advice on b...
by livesoft
Sat Sep 23, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 30
Views: 990

Re: Bogleheads monthly costs of dog ownership?

We got our dog from a rescue organization. He is minimal maintenance, maybe $600 a year all in. But we don't do things that many other dog owners do. For instance: No grooming, we bathe him ourselves or the dog bathes himself. No boarding. Neighbors love, Love, LOVE to take care of him. Dog has been...
by livesoft
Sat Sep 23, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 30
Views: 990

Re: Bogleheads monthly costs of dog ownership?

While waiting for more responses, please read this entire thread on the subject from about a year ago:
viewtopic.php?t=197622
by livesoft
Sat Sep 23, 2017 9:44 am
Forum: Investing - Help with Personal Investments
Topic: the tax efficiency conundrum
Replies: 7
Views: 683

Re: the tax efficiency conundrum

I try to have less than $10 reported on my Form 1040 Schedule B in the top half. Therefore, I don't use CDs, savings account, etc in my taxable assets. I have no conundrum. It is amusing to me that folks would love to have an Ally high-yield savings paying 7%, but they won't realize a short-term gai...
by livesoft
Sat Sep 23, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Just Need Encouragement to Stick with TSP G Fund over F Fund
Replies: 11
Views: 561

Re: Just Need Encouragement to Stick with TSP G Fund over F Fund

The returns you reported for the F fund seem inconsistent with a total bond index fund, so what dates were used for those numbers, backwards from 9/22/2017 or 8/31/2017 or something else?

Edit: I see fund returns that you reported are backwards from 12/31/2016, so not useful.
by livesoft
Sat Sep 23, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Just Need Encouragement to Stick with TSP G Fund over F Fund
Replies: 11
Views: 561

Re: Just Need Encouragement to Stick with TSP G Fund over F Fund

What are the total returns of these 2 funds for YTD, 1-, 3-, 5-years?
by livesoft
Sat Sep 23, 2017 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Paid off my student loans. 29 and looking for retirement/downpayment saving advice
Replies: 4
Views: 339

Re: Paid off my student loans. 29 and looking for retirement/downpayment saving advice

lionthens wrote:
Sat Sep 23, 2017 8:28 am
,,,, contribute the max 401k (minus anticipated company contribution),
Your max legal 401(k) contribution is unaffected by any company contribution, so your "minus" can be changed to "plus."
by livesoft
Sat Sep 23, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard college calculator and some questions
Replies: 15
Views: 566

Re: Vanguard college calculator and some questions

am wrote:
Sat Sep 23, 2017 8:45 am
I hesitate to save more than 20k year for college in a 529 because ....
OK, nothing wrong with saving / investing in a taxable account. By the time kids are in college your taxable account will be growing each year by the full 4-year cost of a private elite university undergraduate degree.
by livesoft
Sat Sep 23, 2017 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Roth conversion conundrum
Replies: 5
Views: 468

Re: Roth conversion conundrum

Ace1 wrote:
Fri Sep 22, 2017 9:35 pm
is there anything to be gained by doing larger conversions into the 25% bracket now and before drawing social security?
Maybe. See viewtopic.php?f=1&t=228057 from yesterday
and run the calculators and spreadsheets suggested.
by livesoft
Sat Sep 23, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: Finding a Driver
Replies: 12
Views: 976

Re: Finding a Driver

My neighbor asks pizza / take-out delivery drivers and neighborhood teenagers to drive.

There is also car pooling since your parents are going to meet others.
by livesoft
Sat Sep 23, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard college calculator and some questions
Replies: 15
Views: 566

Re: Vanguard college calculator and some questions

This is often discussed and the answer hasn't changed.

We did cash-flow, selling investments, tax credits, students worked, but not loans of any kind, except a 401(k) loan to get lower expenses in a 529 plan.
by livesoft
Sat Sep 23, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: Hurricane Harvey has me rethinking my approach to disaster preparations
Replies: 68
Views: 5659

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

Imagine you are in Puerto Rico right now. What do you think you are doing? Waiting for the cavalry to come? The cavalry ain't coming. At least not anytime soon.
by livesoft
Sat Sep 23, 2017 8:02 am
Forum: Investing - Help with Personal Investments
Topic: sell or keep stock for dividends
Replies: 7
Views: 426

Re: sell or keep stock for dividends

Based on what you reported the expected return of TSM is higher for less risk, so you would be better off switching to TSM.
by livesoft
Sat Sep 23, 2017 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Keep small cap value in Roth or not?
Replies: 2
Views: 231

Re: Keep small cap value in Roth or not?

It is a personal decision that you have to make for yourself. You could just as well be asking "Should I make my Roth 100% small-cap value?" or "Should I make my Roth 100% small cap foreign VFSVX or VSS?"

Do you pay commissions in your TDAm SDBA? If so, avoid that and use no-commission ETFs.
by livesoft
Sat Sep 23, 2017 6:39 am
Forum: Investing - Theory, News & General
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 42
Views: 2899

Re: Help?! My 70 year old father is 100% invested in equities

My mom in her 80's found bonds boring so she didh't own any. She liked individual stocks. SS paid most of her expenses.
by livesoft
Sat Sep 23, 2017 6:04 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing into U.S.Stocks
Replies: 16
Views: 1006

Re: Rebalancing into U.S.Stocks

I have no concerns rebalancing when I exchange 1% to 2% of total portfolio value into anything. I am quite happy to have exchanged into US small-cap value earlier this month when it dropped a little bit. IJS is up 5% since, so it may be time already to rebalance out of it. I generally do a post mort...
by livesoft
Fri Sep 22, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Needing a little guidance!
Replies: 13
Views: 815

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: 10
Views: 1130

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: 44
Views: 4701

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: 35
Views: 1978

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: 109
Views: 20417

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: 8
Views: 491

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: 198

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: 23
Views: 1133

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: 1473

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 ...