Search found 61993 matches

by livesoft
Tue Sep 25, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: VTI, VXUS distributions
Replies: 1
Views: 78

Re: VTI, VXUS distributions

They will be posted tomorrow night after midnight.
by livesoft
Tue Sep 25, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 16
Views: 524

Re: Flu shot reaction? Getting flu shot this year?

Never had a reaction to the flu shot. I have gotten a flu shot for many years now including just a week ago.
by livesoft
Tue Sep 25, 2018 6:44 am
Forum: Investing - Help with Personal Investments
Topic: Exchanging within taxable acct; is this a good idea?
Replies: 6
Views: 383

Re: Exchanging within taxable acct; is this a good idea?

I think it is OK as long as you don't mind the tax hit. While it is OK to have VFIAX in taxable, be sure to think about getting mid/small caps in another account like Roth or 401(k). Or think about using VTSAX going forward. It doesn't look like the 2 funds that you would sell are paying a quarterly...
by livesoft
Tue Sep 25, 2018 5:47 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 42
Views: 1626

Re: Oil change interval for low-mileage vehicles

One of my cars has gone has long as 2 years without an oil change. Had that car over 14 years before I gave it away to my daughter. I think even every 6 months (unless the oil change is free) is probably overkill in a low mileage driven-at-least-once-a-week situation. You are not going to hurt your ...
by livesoft
Tue Sep 25, 2018 5:39 am
Forum: Investing - Theory, News & General
Topic: Don't Fear the Reaper (RMDs) - White Coat Investor blog post
Replies: 18
Views: 1956

Re: Don't Fear the Reaper (RMDs) - White Coat Investor blog post

...That’s right. You may need an IRA of nearly $14M in order to have this first world problem.
Well, the WCI blog is a first world blog after all, isn't it?
by livesoft
Mon Sep 24, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 33
Views: 3528

Re: Losing Passion for Hobbies. Cheap or normal aging?

Somehow this thread reminded me of

https://www.youtube.com/watch?v=Tiqxn3iOmxY

"My body feels young but my mind is very old"
by livesoft
Mon Sep 24, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 33
Views: 3528

Re: Losing Passion for Hobbies. Cheap or normal aging?

Hobbies are hobbies because you don't have to do them. You can generally always come back to them, too. I have to say I have never worried about what you have written about.
by livesoft
Mon Sep 24, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: Electric Shaver/Beard Trimmer
Replies: 4
Views: 472

Re: Electric Shaver/Beard Trimmer

Did you price the $10 to $20 ones? No way would I pay $45 to repair a $15 electric trimmer. Walmart, Target, drugstores sell these things.

Of course, I'm retired and married, so I don't care what my facial hair looks like and shave/trim about once every 10 days.
by livesoft
Mon Sep 24, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: $450 for 1.5 hour plumbing job normal?
Replies: 30
Views: 2970

Re: $450 for 1.5 hour plumbing job normal?

I fixed a pinhole leak myself for less than $10. Another larger leak was fixed by a plumber (soldering in new piece of copper) for about $85. I showed plumber how to do it the most effective way which was to replace a larger straight section that he intended at first. I located the leaks myself and ...
by livesoft
Mon Sep 24, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 58
Views: 3544

Re: Fed up with health insurance situation

I'm in the same situation except my health insurance is provided through my spouse's employer through deductions from paychecks. The costs are the costs. Doctors, hospitals, receptionists, health care technicians, nurses, and many others don't work for free. After all, they have to pay for their hea...
by livesoft
Mon Sep 24, 2018 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Does it make sense to own two different total stock index funds?
Replies: 16
Views: 910

Re: Does it make sense to own two different total stock index funds?

The mere holding of substantially identical funds and selling some shares at a loss does NOT generate a wash sale which is not illegal anyways. Don't let the tyranny of bogleheads.org stunt one's understanding of what a wash sale actually entails. Example: I hold VTI in taxable and in my Roth IRA. I...
by livesoft
Mon Sep 24, 2018 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Does it make sense to own two different total stock index funds?
Replies: 16
Views: 910

Re: Does it make sense to own two different total stock index funds?

To prevent a wash sale when tax loss harvesting. If you sell a fund at a loss and claim a deduction, you can't hold another almost identical fund without triggering a wash. The above is not quite precise enough. I hold substantially identical funds and do tax-loss harvesting and claim the deduction...
by livesoft
Mon Sep 24, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Acoustic Pianos
Replies: 29
Views: 1244

Re: Acoustic Pianos

getthatmarshmallow wrote:
Mon Sep 24, 2018 10:36 am
livesoft wrote:
Mon Sep 24, 2018 10:26 am
We've had two Yamaha upright pianos for decades.
Why two?
My spouse was a music major and bought a piano before we were married. Then we inherited another piano.
by livesoft
Mon Sep 24, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting and my HSA
Replies: 2
Views: 201

Re: Tax Loss Harvesting and my HSA

I pair VLCAX / VV with VTSAX / VTI for tax-loss harvesting in my taxable accounts. Personally, I'd ignore the HSA as far as TLH interference goes. Or just work around it by understanding wash sales rules. Or you could use VFIAX / VOO in taxable with VLCAX / VV and dispense with owning VTSAX / VTI in...
by livesoft
Mon Sep 24, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Acoustic Pianos
Replies: 29
Views: 1244

Re: Acoustic Pianos

We've had two Yamaha upright pianos for decades.
by livesoft
Mon Sep 24, 2018 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Best way to get $100k cash
Replies: 69
Views: 5245

Re: Best way to get $100k cash

novemberrain wrote:
Mon Sep 24, 2018 12:21 am
But psychologically, I want to be done with my mortgage
Serious question: Why? These emotional things will mess you up.

Did anybody mention getting a HELOC and using it to pay off your mortgage?
by livesoft
Mon Sep 24, 2018 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Strategy for Maximizing College Financial Aid and Minimizing Taxes
Replies: 9
Views: 949

Re: Strategy for Maximizing College Financial Aid and Minimizing Taxes

Gift grandparents the Apple stock. You and your spouse can gift something like $60K a year combined to 2 other people. It may be too late to get this stock off of a FAFSA. That way, no need for you to sell Apple stock and if grandparents sell, they have to pay the cap gains. Or you can gift the Appl...
by livesoft
Mon Sep 24, 2018 4:54 am
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 75
Views: 4989

Re: Emotional Investor - I'm a mess and need help!

And I would NEVER use a family member to manage my accounts if they charged and churned them. That is bullpucky, and you should get away ASAP and dump everything into Vanguard and then leave it alone. I wonder if the OP should manage his brother's investments. It would be interesting to know more a...
by livesoft
Sun Sep 23, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Ventilated car seats?
Replies: 38
Views: 2266

Re: Ventilated car seats?

Don't forget that the cold/hot air is cooling/heating the mass of the seat and not really the body sitting in the seat.
by livesoft
Sun Sep 23, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: Best/worst flavors of Gatorade/Powerade
Replies: 21
Views: 1261

Re: Best/worst flavors of Gatorade/Powerade

You could buy the powder and save tons of money. You will also note by buying the powder that you are basically buying sugar.

Can't tell you about flavor because I am drinking Crystal Light sugar-free lemonade made from the powder.
by livesoft
Sun Sep 23, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Ventilated car seats?
Replies: 38
Views: 2266

Re: Ventilated car seats?

My seats are cooled by forcing cold air to come out of the tiny holes. Works great. If my butt and clothes are blocking holes, I don't see how sucking is going to help, but I see how blowing can be helpful. Presumably the heating works the same way, but I live in a hot climate and have never turned ...
by livesoft
Sun Sep 23, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: New job. Need help adding funds to my new 401k
Replies: 13
Views: 778

Re: New job. Need help adding funds to my new 401k

I know it is not your fault with what JH is showing you. It is hard to see that the major holding has anything to do with being an index fund from the link you gave. In your shoes, I would talk to the plan sponsor and demand clear answers and expect not to get them.
by livesoft
Sun Sep 23, 2018 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Optimizing a Taxable Account
Replies: 2
Views: 396

Re: Optimizing a Taxable Account

If one separates the stock fund and the bond fund in taxable, then one will have potentially more tax-loss harvesting opportunities in taxable. Certainly, with tax-exempt muni bond funds there have been opportunities recently, but the tax-managed balanced fund would not have that bond fund TLH oppor...
by livesoft
Sun Sep 23, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 75
Views: 4989

Re: Emotional Investor - I'm a mess and need help!

You should NOT use in taxable account a LifeStrategy nor a Target Retirement fund. You want the most in tax-efficiency possible and these kinds of funds are not tax efficient. I find that I am capable of doing my own tax-loss harvesting with almost no effort and no thought. You should be able to do ...
by livesoft
Sun Sep 23, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Experiences (Ideas for)
Replies: 8
Views: 889

Re: Experiences (Ideas for)

Others are thinking of experiences as well, and have done so for ages:
https://www.nytimes.com/2018/09/22/opin ... do-it.html

I'm not saying one should follow in their footsteps, but some considerations are presented.
by livesoft
Sun Sep 23, 2018 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 75
Views: 4989

Re: Emotional Investor - I'm a mess and need help!

Here's something else the OP can do: They can get into the details of portfolio performance and comparison to benchmarks. I'll wager that the OP has really no idea what the performance of his portfolio has been. About the only legitimate way to calculate the performance is to use Excel XIRR() in a v...
by livesoft
Sun Sep 23, 2018 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Pros/cons on exchanging these funds?
Replies: 1
Views: 176

Re: Pros/cons on exchanging these funds?

FWIW, you are lucky to have been in VTABX in 2018 since it has significantly outperformed VBTLX.

Actually VTABX has outperformed VBTLX over the recent few years.

So the con is that VBTLX might continue to underperform VTABX going forward.
by livesoft
Sun Sep 23, 2018 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 75
Views: 4989

Re: Emotional Investor - I'm a mess and need help!

To the OP: What is longest time you have gone without initiating any transaction at all (except for an automatic contribution)?
by livesoft
Sun Sep 23, 2018 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: What investment company does your employer use?
Replies: 16
Views: 965

Re: What investment company does your employer use?

My old firm used Fidelity. My spouse's firm uses TDAmeritrade and their 401(k) plan has many Vanguard index funds and even ETFs.
by livesoft
Sun Sep 23, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 70
Views: 6860

Re: Minimalist Lifestyle

What sort of interests or hobbies do you have? Gardening? Cooking? Woodworking? Entertaining? Crafts? Bicycling? Hiking? Fishing? All of these things require equipment and supplies. You exaggerate methinks. My neighbors have all kinds of things that they are willing to lend me as I am sure your nei...
by livesoft
Sun Sep 23, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 70
Views: 6860

Re: Minimalist Lifestyle

Whenever we have moved a long distance, we made sure to research and hire the best moving companies with stellar reputations. Despite our due diligence every single mover lost lots of our possessions including an overseas move where the entire container of our belongings was stolen. When you lose al...
by livesoft
Sun Sep 23, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Slip on loafer shoes for working guy?
Replies: 8
Views: 1135

Re: Slip on loafer shoes for working guy?

$9 (on sale) croc-like shoes from Walmart. I like camo color. https://www.walmart.com/ip/Real-Tree-Me ... e/48709862
by livesoft
Sun Sep 23, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Selling off funds. timing question
Replies: 10
Views: 748

Re: Selling off funds. timing question

Monday the 24th and Wednesday the 26th are when a bunch of Vanguard funds declare dividends: https://investornews.vanguard/upcoming-capital-gains-information/ Those two dates will be the record date for those mutual funds as well. You can see this by looking at the distributions already reinvested o...
by livesoft
Sun Sep 23, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3488

Re: How to get rid of rabbits

I've eaten wild rabbit and it was the nastiest gamiest piece of meat I've ever had.
by livesoft
Sun Sep 23, 2018 6:54 am
Forum: Investing - Theory, News & General
Topic: For those who use a 2 year cash(like) buffer, how do you know when to use it?
Replies: 67
Views: 5357

Re: For those who use a 2 year cash(like) buffer, how do you know when to use it?

When was the last time bonds tanked 10%?

What if cash loses 10% of its purchasing power to inflation?
by livesoft
Sun Sep 23, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: Experiences (Ideas for)
Replies: 8
Views: 889

Re: Experiences (Ideas for)

How about some things with an element of risk (you could die doing them!) that say less than 250 people in the world do every year?
by livesoft
Sun Sep 23, 2018 3:20 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3488

Re: How to get rid of rabbits

We used to have a lot of squirrels and white-winged doves. But the Cooper's hawks figured that out and raised bigger families. Now with several nesting pairs in the area, it seems that things are more in balance. So my advice would be to not worry about the rabbits. They will get taken care of event...
by livesoft
Sun Sep 23, 2018 2:18 am
Forum: Investing - Theory, News & General
Topic: How do you define your success in our life, career and job?
Replies: 25
Views: 1727

Re: How do you define your success in our life, career and job?

I did scientific research, so success was clearly defined for me by others in terms of number of publications, citations of those publications, amount of grant money raised, and how well my protégés did after they left my lab and started their own careers. As for life, there is more to it than caree...
by livesoft
Sat Sep 22, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Can salt water kill weeds permanently?
Replies: 18
Views: 2784

Re: Can salt water kill weeds permanently?

Salt water will kill weeds permanently if you keep the salt water around permanently. I suspect you mean spray with salt water, then let dry. If so, then no, salt water cannot kill weeds permanently. That's because rain and other water will eventually wash away any salt that ends up dried and behind...
by livesoft
Sat Sep 22, 2018 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: How to fund education for grandchildren: various strategies? Help?
Replies: 23
Views: 1258

Re: How to fund education for grandchildren: various strategies? Help?

Sandtrap wrote:
Sat Sep 22, 2018 2:12 pm
What do you mean by "overfunding"?
I mean you may have way more than what college costs in a 529 plan and then have to deal with that.
by livesoft
Sat Sep 22, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: HVAC Options -- Any advice?
Replies: 29
Views: 1649

Re: HVAC Options -- Any advice?

Only one other has come in yet and it varied between $16,000 - $23,000. I would not be surprised if some of the local HVAC places have divided up the territory as in: "If you provide an outrageously high quote in my area, then I will provide an outrageously high quote in your area. That way our quo...
by livesoft
Sat Sep 22, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Confused about Roth 401(k) and Roth IRA contributions in the same year
Replies: 6
Views: 659

Re: Confused about Roth 401(k) and Roth IRA contributions in the same year

Yes, you can, but let me clarify your question please. If you make $18,500 + $5,500 as compensation, then it is easy to see. But maybe you are asking the following: If I make only $18,500 this year and my employer (or myself if self-employed), can I contribute not only $18,500 to my Roth 401(k), but...
by livesoft
Sat Sep 22, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: HVAC Options -- Any advice?
Replies: 29
Views: 1649

Re: HVAC Options -- Any advice?

What do your quotes from other vendors tell you?
by livesoft
Sat Sep 22, 2018 1:20 pm
Forum: Investing - Theory, News & General
Topic: Why do Schwab fund only pay distributions once a year?
Replies: 7
Views: 1050

Re: Why do Schwab fund only pay distributions once a year?

Don't know, but Vanguard used to do that, too. I suppose a once-a-year calculation is cheaper for the fund company, but quarterly schedule is not bad for investors since they don't have to "avoid a distribution" that is one-fourth of a big annual distribution.
by livesoft
Sat Sep 22, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: How to fund education for grandchildren: various strategies? Help?
Replies: 23
Views: 1258

Re: How to fund education for grandchildren: various strategies? Help?

Yes, ask the parents. You can tell them that you heard that 529 plans funded by grandparents and owned by grandparents is great because no tax interference with their own tax returns nor the child's tax returns. UTMA/UGMA have tax return consequences. Also warn them of overfunding in case others get...
by livesoft
Sat Sep 22, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Question
Replies: 13
Views: 1009

Re: Bond Fund Question

I would be putting money into Total Bond now rather than Short-term Investment Grade (STIG) simply because the blue line is below the orange line. When the orange line goes below the blue line, then I would put money into STIG. When they are close together, then it really doesn't matter what one doe...
by livesoft
Sat Sep 22, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: New job. Need help adding funds to my new 401k
Replies: 13
Views: 778

Re: New job. Need help adding funds to my new 401k

jbuenoo wrote:
Sat Sep 22, 2018 8:59 am
I was also thinking of the 2060 Multi-Index fund. Here is what it holds: https://imgur.com/a/JgIxWoN
LOL! That wasn't too helpful. What is in that first fund? Also what's the other 10% of the fund? Talk about obfuscation!
by livesoft
Sat Sep 22, 2018 7:25 am
Forum: Investing - Help with Personal Investments
Topic: New job. Need help adding funds to my new 401k
Replies: 13
Views: 778

Re: New job. Need help adding funds to my new 401k

Why did responders miss all the index funds that are offered? Hint: Fund names have "multi-index" in them. I'd pick one of them and just call this done. But why not tell us what one of them has in it please? A 2060 Multi-Index fund is going to be aggressive growth. A 2020 Multi-Index fund is going t...
by livesoft
Sat Sep 22, 2018 5:55 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Question
Replies: 13
Views: 1009

Re: Bond Fund Question

My question is..... would I benefit from transferring some of the money in my Total Bond Fund to the Short Term Investment Grade Bond Fund? Below is a chart I made at Morningstar.com comparing the Growth Of $10,000 in VBTLX (total bond) and VFSUX (short-term investment grade) over the past 3 years:...