Search found 60612 matches

by livesoft
Wed Jun 20, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: IRS: Great customer service?
Replies: 5
Views: 321

Re: IRS: Great customer service?

The IRS is my friend. They respond to CP-2000 letters that I send them. They never dispute, but simply pay me. Once they forgot about a 1099-LS that I forgot to send to them, but then they remembered it and increased my refund by a factor of 10 without me even notifying them.
by livesoft
Wed Jun 20, 2018 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Growth Fund, Target Fund, or Total Stock Market
Replies: 17
Views: 947

Re: Life Strategy Growth Fund, Target Fund, or Total Stock Market

I think the differences between 100% stock, 90% stock, and 80% stock are practically nil. You could flip a coin twice. If 2 heads, then 100% stock. If 2 tails, then 80% stock. If one head and one tail, then 90% stock. Or something else.
by livesoft
Wed Jun 20, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes for buy fund from selling other funds?
Replies: 3
Views: 136

Re: Taxes for buy fund from selling other funds?

Depends on the kind of account you hold these investments in and what your income tax bracket will be for the tax year that you sell any shares.

So you could pay no taxes or pay a lot of taxes based on information that you did not present in your post.
by livesoft
Wed Jun 20, 2018 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Growth Fund, Target Fund, or Total Stock Market
Replies: 17
Views: 947

Re: Life Strategy Growth Fund, Target Fund, or Total Stock Market

How much money do you need for house down payment? How long do you expect to have to invest to get that amount? 1 year? 10 years? I don't think a savings account or money market fund or a CD is going to get you where you want to go. Once you get there, then Yes, move your money to such a safe invest...
by livesoft
Wed Jun 20, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: Storing Sustenance for Disasters
Replies: 26
Views: 1319

Re: Storing Sustenance for Disasters

I don't think anything that was vacuum-sealed will remain fresh once the seal is broken. The air is humid enough that water molecules and bacteria and mold will get in and then the bacteria and mold will grow however slowly. Just pretend you are a bacteria cell or a mold spore and see what you can do.
by livesoft
Wed Jun 20, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Storing Sustenance for Disasters
Replies: 26
Views: 1319

Re: Storing Sustenance for Disasters

My spouse is a member of CERT, the community emergency response team. She didn't tell me, but I found out that she is storing some crap to give out to families in emergencies. My personal feeling is that one can have normal everyday sustenance stored in the pantry and just rotate through your normal...
by livesoft
Wed Jun 20, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: When is the June ex-dividend date for VTSAX
Replies: 29
Views: 2445

Re: When is the June ex-dividend date for VTSAX

oldcomputerguy wrote:
Wed Jun 20, 2018 8:40 am
The ex-dividend date is the one to watch.
Note that vanguard.com does not use "ex-dividend date" on its web site when its comes to Vanguard mutual funds, so using a term like "ex-dividend date" is essentially useless for Vanguard mutual fund clients.
by livesoft
Wed Jun 20, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: When is the June ex-dividend date for VTSAX
Replies: 29
Views: 2445

Re: When is the June ex-dividend date for VTSAX

I thought I'd update this thread now that June 20th is upon us. Vanguard.com is slow to update anything on the web site, but let's take a look anyways. VSMGX, Vanguard LifeStrategy Moderate Growth, had the announced declaration date this month (see link way up in this thread) on June 14, 2018 which ...
by livesoft
Tue Jun 19, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 113
Views: 5367

Re: gray hair

Coloring products of the 70s and 80s had heavy metal compounds in them like lead (Pb), so watch out what you do -- if you do anything. Do you have any recommendations for the coloring products of 2018? Victoria Read the labels very carefully. I do not buy these products, but my dad had something ye...
by livesoft
Tue Jun 19, 2018 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Can I break the tape in 5 years?????
Replies: 23
Views: 2464

Re: Can I break the tape in 5 years?????

Rexindex wrote:
Tue Jun 19, 2018 6:34 pm
Is this typical for a bogleheads to be this in doubt? Isn’t over $3m at age 51 a lot of money? :shock:
Yes, for a certain type of new posters it is very typical. Discussed in this thread:
viewtopic.php?t=191685
by livesoft
Tue Jun 19, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Can I break the tape in 5 years?????
Replies: 23
Views: 2464

Re: Can I break the tape in 5 years?????

It is very likely that you can retire today.

Your demographic seems to match this one reasonably well:
viewtopic.php?t=87471
by livesoft
Tue Jun 19, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: [Update] Grand Canyon or other Nat'l Park in October?
Replies: 49
Views: 2954

Re: [Update] Grand Canyon or other Nat'l Park in October?

UPDATED to add that our request for back-country permits was denied! Their suggestion in the email was that we try to apply next year in the earliest window possible, which happens to be the window in which we applied this time. Sigh. I'm aware of the possibility of same-day permits, but I'm not su...
by livesoft
Tue Jun 19, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 113
Views: 5367

Re: gray hair

I just assume that anybody over 40 that doesn't have gray hair just dyes their hair or shaves it off. I used to have great scientist-looking beard. When it went white, I shaved it off. Underneath was baby-soft skin and a very smooth complexion, so the beard kept the sun off of most of my face for de...
by livesoft
Tue Jun 19, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Asset Location question – Mimicking Asset Allocation in 401k and taxable
Replies: 14
Views: 346

Re: Asset Location question – Mimicking Asset Allocation in 401k and taxable

Do you think it wasn't a problem for you mostly because you happen to early retire during the bull market. (I am assuming here as I don't know your exact timeline) I semi-retired in 2007 and saw my equities drop by about 50%. My taxable account was 100% equities and has been that way for at least a...
by livesoft
Tue Jun 19, 2018 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Asset Location question – Mimicking Asset Allocation in 401k and taxable
Replies: 14
Views: 346

Re: Asset Location question – Mimicking Asset Allocation in 401k and taxable

ImmigrantSaver wrote:
Tue Jun 19, 2018 10:38 am
..., I might end up with significantly less money to live on. Is that a valid concern, or am I stuck in some mental accounting trap?
Not a valid concern in my opinion. I am was early retired. Now I am simply retired because I got old.
by livesoft
Tue Jun 19, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 93
Views: 8239

Re: Very confused with the current market

Drawbacks of market timing: 1) need to sell at right time, 2) need to buy at right time, ... These statements are commonly made about market timing, but they are completely bogus and don't really help in any discussion dissing market timing. To wit, market timing doesn't need to be perfect, so one ...
by livesoft
Tue Jun 19, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Sanity check my 529 decision? High earners.
Replies: 3
Views: 652

Re: Sanity check my 529 decision? High earners.

Makes sense. Nothing to see here. Move along.
by livesoft
Tue Jun 19, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Asset Location question – Mimicking Asset Allocation in 401k and taxable
Replies: 14
Views: 346

Re: Asset Location question – Mimicking Asset Allocation in 401k and taxable

I don't see any cons to having some international in any of your accounts nor in all of your accounts. I have international in taxable, Roth, and tax-deferred. I do all of my rebalancing in tax-deferred where there are no tax consequences. I do all of my tax-loss harvesting in taxable because it is ...
by livesoft
Tue Jun 19, 2018 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Investment Help
Replies: 16
Views: 1235

Re: Taxable Investment Help

Out of curiosity, is there any other funds I should be looking at or any other suggestions you may have? I have seen VGTSX mentioned for additional international exposure as well. If not, I will just split it in VTSAX and VBTLX as recommended above. VGTSX is Total International Stock Index fund. Th...
by livesoft
Tue Jun 19, 2018 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Investment Help
Replies: 16
Views: 1235

Re: Taxable Investment Help

VBINX is the balanced index fund of about 60% total US stock market index (like VTSAX) and 40% Total US bond index (like VBTLX)). If you buy it, then it will be just like buying VTSAX and VBTLX. So the risk is there and you are only fooling yourself into a mental accounting trick. Both VTSAX and VBT...
by livesoft
Tue Jun 19, 2018 7:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6638
Views: 1433342

Re: Anyone buying today?

if today turns out to be an RBD, then Yes, I will buy today.

I have in my investment notes for April 2, 2018:
April 2:
Trade war drop in stocks! VTI is down 3%!
It looks like VTI (total stock market) is up about 7% since then.
by livesoft
Mon Jun 18, 2018 8:52 am
Forum: Investing - Theory, News & General
Topic: Ex-dividend days: Is there typically anything out of the ordinary?
Replies: 19
Views: 1373

Re: Ex-dividend days: Is there typically anything out of the ordinary?

Typically? No. But sometimes the ex-dividend day coincides with something like the FOMC meeting press conference or other newsworthy announcement.
by livesoft
Mon Jun 18, 2018 6:49 am
Forum: Investing - Help with Personal Investments
Topic: STAR vs. 3-Fund Portfolio
Replies: 14
Views: 1361

Re: STAR vs. 3-Fund Portfolio

It is written everywhere that "Past performance ... yada yada yada." One doesn't know if future performance will be the same. Indeed, one can look further back in time to see what STAR did. And that goes for index funds as well. So one can judge performance, but to what future? Perhaps a visual idea...
by livesoft
Mon Jun 18, 2018 12:04 am
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 60
Views: 4766

Re: how to make friends in new location?

With a close friend you can share your secrets, be vulnerable, and make proverbial 2am calls. I have found that many people share vulnerable secrets with me because I may only be an acquaintance that they see often. For instance, cancer diagnosis, death of a spouse, debilitating health issues, past...
by livesoft
Sun Jun 17, 2018 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 244
Views: 28299

Re: Why pay cash for a car?

I think that nowadays the dealer just doesn't care whether you pay cash or finance --- except that the finance person is another way to sow Fear, Uncertainty, and Doubt and try to up-sell you on other things. Funny thing on the last car I bought, I had a 0%-loan going for 100% of the purchase, but t...
by livesoft
Sun Jun 17, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 60
Views: 4766

Re: how to make friends in new location?

I meet many people walking my dog. Great conversations of all kinds almost every single day.

My advice -- wait for it -- Get a dog!

Added: But if you get a dog, be a good citizen and clean up after it and don't let it pee on someone's grass unless they approve. ;)
by livesoft
Sun Jun 17, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap Fund.
Replies: 4
Views: 451

Re: Small Cap Fund.

The main logic is that you want more small caps than the amount of small caps that total market index gives you.
by livesoft
Sun Jun 17, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: 100% of international developed to small/mid?
Replies: 11
Views: 1039

Re: 100% of international developed to small/mid?

BFRAME wrote:
Sun Jun 17, 2018 5:50 pm
Care to elaborate?
I did already elaborate. Please re-read what I posted.
by livesoft
Sun Jun 17, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 100
Views: 7241

Re: How much (green) cash at home for emergency ?

And I wouldn't be using a very local credit union either that got closed because of lack of employees and lack of functional buildings. I wouldn't care what kind of network the credit union belonged to.
by livesoft
Sun Jun 17, 2018 5:46 pm
Forum: Investing - Theory, News & General
Topic: What do you sell after the emergency fund?
Replies: 25
Views: 1481

Re: What do you sell after the emergency fund?

My spouse and I are both over age 59.5, so our tax-advantaged accounts are all essentially available in that if we lost jobs, then the 401(k)s are ready for rollover / withdrawals. I am pretty sure we would just maintain our asset allocation. We would sell whatever created the least taxes for us. We...
by livesoft
Sun Jun 17, 2018 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund Admiral Shares (VBIAX)
Replies: 22
Views: 1904

Re: Vanguard Balanced Index Fund Admiral Shares (VBIAX)

It is for me because it would cause me to pay more taxes than I need to and reduce the amounts that I convert to Roth at low tax rates.

Added: We are in the 12% marginal income tax bracket.
by livesoft
Sun Jun 17, 2018 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: STAR vs. 3-Fund Portfolio
Replies: 14
Views: 1361

Re: STAR vs. 3-Fund Portfolio

I use STAR as a benchmark. I don't use it in my portfolio because: 1. Taxes. It is not tax efficient. 2. I can do better tax-wise and performance-wise with my own choices of index funds and putting them in decent account-type locations. But if you have only tax-advantaged accounts, then you can try ...
by livesoft
Sun Jun 17, 2018 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard admiral shares
Replies: 17
Views: 1183

Re: Vanguard admiral shares

I would not mind if someone said my calculations were suspicious.
by livesoft
Sun Jun 17, 2018 2:58 pm
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 93
Views: 8239

Re: Very confused with the current market

capcase wrote:
Sun Jun 17, 2018 2:34 pm
What's going wrong?
You are asking us to explain psychopaths. I don't know how to do that.
by livesoft
Sun Jun 17, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 100
Views: 7241

Re: How much (green) cash at home for emergency ?

During the flooding from Harvey, I think the amount of bribes paid to get people rescued were actually very very low.
by livesoft
Sun Jun 17, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard admiral shares
Replies: 17
Views: 1183

Re: Vanguard admiral shares

neilpilot wrote:
Sun Jun 17, 2018 2:47 pm
Does it explain how my calculations are incorrect?
I never wrote that your calculations are incorrect.
by livesoft
Sun Jun 17, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 100
Views: 7241

Re: How much (green) cash at home for emergency ?

Zero dollars because otherwise you would be like during Katrina with you out of your home and your cash underwater or in a burning house which in either case is useless since you wouldn't be able to get to your cash. Consider what happened with the recent volcano in Guatemala or the economic collaps...
by livesoft
Sun Jun 17, 2018 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard admiral shares
Replies: 17
Views: 1183

Re: Vanguard admiral shares

I would have used the minimum amounts for Admiral minus the minimum amounts for Investor share class for each of the funds I owned. Then multiply that by the difference in expense ratios. So say the average difference in amounts are $7K and one has 5 funds and the difference is 0.15% That's $7K * 5 ...
by livesoft
Sun Jun 17, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 153
Views: 7089

Re: Which Supermarket are you?

The responses in this thread (when there are enough of them) should likely end up representing the market share of each of the supermarkets in the US.
by livesoft
Sun Jun 17, 2018 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard admiral shares
Replies: 17
Views: 1183

Re: Vanguard admiral shares

In 2015, when I was mostly Admiral class MFs, the difference for all of our Admiral class holdings amounted to $2k-2.5k/yr. While this difference was not overwhelming, I consider this a bit more than "a joke". Since then we've converted almost all of my MFs to ETFs. I think your calculations are su...
by livesoft
Sun Jun 17, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Monthly Estimated Cap Gain Distributions
Replies: 3
Views: 491

Re: Vanguard Monthly Estimated Cap Gain Distributions

No, it is not. Perhaps a better estimate is the previous year's cap gain distribution.
by livesoft
Sun Jun 17, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard admiral shares
Replies: 17
Views: 1183

Re: Vanguard admiral shares

I understand that admiral shares require a minimum balance of $10k. Just so you won't be surprised: The minimum balance is not always $10K and will depend on the actual fund as also mentioned by @DSInvestor. And Vanguard lets clients go below the initial minimum balance for extended periods of time...
by livesoft
Sun Jun 17, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Getting Inheritance-Portfolio Advice Needed
Replies: 5
Views: 330

Re: Getting Inheritance-Portfolio Advice Needed

2. How do you feel about charities and making charitable donations?
by livesoft
Sun Jun 17, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 11413

Re: MD&P just purchased X / sold Y [md&pharmacist]

^I would also suggest posting a benchmark return or performance for comparison. After all, if one gets 30%, but an index fund benchmark makes 40%, then that is not impressive.
by livesoft
Sun Jun 17, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Getting Inheritance-Portfolio Advice Needed
Replies: 5
Views: 330

Re: Getting Inheritance-Portfolio Advice Needed

1. No. 50:50 is fine. 2. You portfolio doesn't need to be more aggressive at all and looks perfect to me. But if you want more aggressive, just reduce your bond percentage. It is unclear how your inherited assets will be distributed across taxable, tax-deferred, and Roth accounts. Your bonds in tax-...
by livesoft
Sun Jun 17, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Feedback on possible portfolio update
Replies: 5
Views: 268

Re: Feedback on possible portfolio update

It is fine and well within other typical portfolios.

However, you need to know the Emerging Markets are NOT small-caps, but are LARGE-caps, so if you were thinking EM was a small-cap value tilt in international, then it is most certainly not.
by livesoft
Sun Jun 17, 2018 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Independent Franchise
Replies: 25
Views: 1696

Re: Schwab Independent Franchise

Since you know all this, I don't see why you wouldn't talk the person and simply ask him to transfer the money into your account as a bonus for yourself. After all, everything is negotiable. I also understand that Schwab has given cash bonuses in the past for acquisition of assets, so you might as w...
by livesoft
Sun Jun 17, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: Cash question
Replies: 14
Views: 1252

Re: Cash question

this strategy does require having enough money in each account to be able to meet your liabilities. if you had say, 25,000 of stock in taxable and then the market declined 50% before you had to sell you would not be able to do it. As @jeffyscott basically noted, this is not a problem for folks who ...
by livesoft
Sun Jun 17, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 11413

Re: MD&P just purchased X / sold Y

livesoft wrote:
Sun Jun 10, 2018 8:35 am
This is going to be a great thread, so thanks for the attempt.
Just dropping by and putting a personal place holder here as a note to myself that nothing has happened yet.

And it looks like the stirred up ants have gone back to their daily grind.
by livesoft
Sun Jun 17, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: When is the June ex-dividend date for VTSAX
Replies: 29
Views: 2445

Re: When is the June ex-dividend date for VTSAX

I look at it this way: It's not an actual tax cost, but rather an advance payment. The value of the dividend is added to your tax basis, so you don't pay again. I hate this "added to your tax basis" statement because it is so bogus. With Cost Basis Method of Specific Identification, the cost basis ...