Search found 59813 matches

by livesoft
Thu Apr 26, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard’s advisors
Replies: 65
Views: 6432

Re: Using Vanguard’s advisors

LoganLot wrote:
Wed Apr 25, 2018 11:19 am
livesoft wrote:
Tue Apr 24, 2018 1:49 pm
I have not seen how "most tax-efficient way" has ever been used by Vanguard when a transfer is done.
On this topic I can tell you first hand that they absolutely consider tax consequences when a transfer is done.
Thanks for the testimonial.
by livesoft
Thu Apr 26, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Reinvest Dividends taxable??
Replies: 6
Views: 519

Re: Reinvest Dividends taxable??

It's a money market fund. That means ....
by livesoft
Thu Apr 26, 2018 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Reinvest Dividends taxable??
Replies: 6
Views: 519

Re: Reinvest Dividends taxable??

Reinvest away. I am unaware of any issues with having money market dividends reinvested.
by livesoft
Thu Apr 26, 2018 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Bonds in rising interest rate environment
Replies: 4
Views: 318

Re: Bonds in rising interest rate environment

Nothing wrong with that per se, but the other half of realizing a loss in a taxable account is the Plan to get back into your long-term desired asset allocation. For instance, when will you buy back intermediate-term bonds? And does limited-term have that much of a duration difference anyways? And f...
by livesoft
Thu Apr 26, 2018 7:46 am
Forum: Investing - Theory, News & General
Topic: ETF Conversion Timing... are dividends qualified?
Replies: 2
Views: 202

Re: ETF Conversion Timing... are dividends qualified?

Say I want to convert VTSAX to VTI. The next distribution date is around June 21, which is less than 60 days away. From what I understand, if you own the ETF for less than 60 days, the dividend isn't qualified. So if I convert from the mutual fund today, will it be considered qualified as if I had ...
by livesoft
Thu Apr 26, 2018 7:32 am
Forum: Investing - Help with Personal Investments
Topic: mutual funds or etfs, why each
Replies: 33
Views: 2140

Re: mutual funds or etfs, why each

ETF transactions are done through day trading. So you have to see what price people are buying/selling at any given moment, then set your price and hope someone buys/sells it. You might have to adjust it throughout the day if the price drifts away from the price you set. This is inaccurate, or perh...
by livesoft
Wed Apr 25, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 174
Views: 12564

Re: How much cash do you keep at any time on checking?

mikeyzito22 wrote:
Tue Apr 24, 2018 9:04 pm
So you aren't buy and hold then?
Of course not. II'm retired. But no one should be buy-and-hold. They could be buy-hold-and-rebalance though.
by livesoft
Tue Apr 24, 2018 5:45 pm
Forum: Investing - Theory, News & General
Topic: Case study Broker trade executions
Replies: 246
Views: 26855

Re: Case study Broker trade executions

Yes, thank you.

You are saying the ask price for SPTM was $33.29? Because a marketable limit order would be any price above the ask price.
by livesoft
Tue Apr 24, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: 37 yr old + UTMA + student loan = ???
Replies: 13
Views: 1004

Re: 37 yr old + UTMA + student loan = ???

What is the advantage of not reinvesting the dividends automatically? The money can be used to pay expenses and not to keep digging an unnecessary deep hole in the UTMA. In effect, there will eventually be no shares held for the short-term and all shares will have been held for the long-term --- as...
by livesoft
Tue Apr 24, 2018 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Income investing in Taxable
Replies: 17
Views: 956

Re: Income investing in Taxable

livesoft, Are you saying that Wellesley is not that tax efficient because it owns a portion of dividend-paying stocks? I am 65 and was getting set to have Wellesley Admiral Shares Fund as a core holding due to their excellent longtime returns and low expenses. When investing in a taxable account an...
by livesoft
Tue Apr 24, 2018 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on SPTM ETF in taxable for US stock index fund
Replies: 33
Views: 1349

Re: Opinions on SPTM ETF in taxable for US stock index fund

Note: While I always consider a limit order for SPTM and other ETFs, I don't always use a limit order and often use a market order.
by livesoft
Tue Apr 24, 2018 1:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6428
Views: 1379195

Re: U.S. stocks in freefall

Been busy with real life for the past month so really haven't visited or paid attention to the market. Seems that even after the "correction" the market has been bouncing around the 23k-24k mark. Is this because of global geo-politicla turmoil or is it because of market fundamentals? Any opinion is...
by livesoft
Tue Apr 24, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard’s advisors
Replies: 65
Views: 6432

Re: Using Vanguard’s advisors

I have not seen how "most tax-efficient way" has ever been used by Vanguard when a transfer is done.
by livesoft
Tue Apr 24, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Income investing in Taxable
Replies: 17
Views: 956

Re: Income investing in Taxable

I would not use W & W in a taxable account at all. She will probably have more of a tax hit and lower after-tax return if she uses those funds. Instead, I would pick a single LifeStrategy fund for the whole $200K and have Vanguard do automatic withdrawals at the interval /amounts she wants. In other...
by livesoft
Tue Apr 24, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Time for Taxable?
Replies: 8
Views: 1119

Re: Time for Taxable?

Based on your emergency fund notes, I would be investing the $90K, but maybe after paying off the car loan that has interest.

OTOH, many people would not take the risk that I have always taken.
by livesoft
Tue Apr 24, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Implementing Assest Allocation Strategy
Replies: 9
Views: 597

Re: Implementing Assest Allocation Strategy

See this thread for simplicity and rebalancing purposes:
viewtopic.php?t=150267

The thread shows one how to figure out asset allocation when having multiple investments in multiple accounts.
by livesoft
Tue Apr 24, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: 37 yr old + UTMA + student loan = ???
Replies: 13
Views: 1004

Re: 37 yr old + UTMA + student loan = ???

Well, this UTMA is just a taxable account at this point in time. As noted, it should have ben transferred relatively tax-free to you a long time ago and perhaps it was, but you didn't change the "name" in your mind at that time. So all the regular taxes that apply or don't apply to investments would...
by livesoft
Tue Apr 24, 2018 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Dividend fund in taxable account during retirement, yea or nay?
Replies: 33
Views: 2558

Re: Dividend fund in taxable account during retirement, yea or nay?

One couldn't buy VHYDX because it does not exist. What are the yields of VHDYX and VTSAX? What percentages of their dividends are qualified dividends? Actually, it doesn't matter. If one uses morningstar.com and compares the past performance of the two funds, then one would not have any argument at ...
by livesoft
Tue Apr 24, 2018 12:03 am
Forum: Investing - Help with Personal Investments
Topic: Investment Class/Group at Work
Replies: 15
Views: 1033

Re: Investment Class/Group at Work

I don't see why you wouldn't try it and see what happens. You all will know soon enough if it would be something that you would like to continue.
by livesoft
Mon Apr 23, 2018 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: mutual funds or etfs, why each
Replies: 33
Views: 2140

Re: mutual funds or etfs, why each

Because you have anxiety attacks when you submit an ETF order, but not a mutual fund order. I am trying to learn from experienced fellow community members. Could you please elaborate as to why submitting an ETF order is loaded with uncertainty? Because you have more control over the price you pay f...
by livesoft
Mon Apr 23, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: Help me with my email in Shanghai.
Replies: 8
Views: 715

Re: Help me with my email in Shanghai.

Yep, China government doesn't like Google. I created a new e-mail account at att.net before I went to China.

Nevertheless, at some hotels gmail.com still worked sometimes via a smart phone through the cell network and not through the internet. I had an international plan on my phone.
by livesoft
Mon Apr 23, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: separately managed account -- worthwhile?
Replies: 3
Views: 407

Re: separately managed account -- worthwhile?

No, they don't make sense for someone who knows how to invest tax efficiently with reasonable asset allocation.
by livesoft
Mon Apr 23, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Shrub removal - Village/HOA permits needed?
Replies: 11
Views: 833

Re: Shrub removal - Village/HOA permits needed?

Did you ask your neighbors?

If you are going to plant a different plant, then you probably would not want to use herbicide to kill the existing plants.
by livesoft
Mon Apr 23, 2018 1:39 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: How Investors Undermine Returns
Replies: 8
Views: 1653

Re: Larry Swedroe: How Investors Undermine Returns

OK, but should I sell my REIT index fund now at a loss? Or buy more? :twisted:
by livesoft
Mon Apr 23, 2018 11:57 am
Forum: Investing - Help with Personal Investments
Topic: My taxable account is banged up. Need some help!
Replies: 20
Views: 2198

Re: My taxable account is banged up. Need some help!

If you sell your bond fund(s) in taxable at a loss, then I think you should avoid buying shares of a substantially identical bond fund in your IRA(s) for 30 days after selling in taxable and also 30 days before selling in taxable. If I do the transition immediately, I won't get the write off? Perha...
by livesoft
Mon Apr 23, 2018 8:46 am
Forum: Investing - Help with Personal Investments
Topic: My taxable account is banged up. Need some help!
Replies: 20
Views: 2198

Re: My taxable account is banged up. Need some help!

If you sell your bond fund(s) in taxable at a loss, then I think you should avoid buying shares of a substantially identical bond fund in your IRA(s) for 30 days after selling in taxable and also 30 days before selling in taxable.
by livesoft
Mon Apr 23, 2018 8:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard Surveys
Replies: 44
Views: 1903

Re: Vanguard Surveys

Did any of the improvements you suggested show up? The most recent survey was last week, so I am sure there was no chance to make my suggested improvements. But in the past, some of my suggestions were implemented. I may not have been the only one to make the same suggestion nor the first one to ma...
by livesoft
Mon Apr 23, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: Nick Murray and bonds
Replies: 17
Views: 1635

Re: Nick Murray and bonds

A one-year period is 12 months long.

Between January 1926 and September 2010 there were a total of 1006 possible one-year periods.

In 375 of those periods bonds beat stocks.
by livesoft
Mon Apr 23, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: 'Basic' phones that work with Lyft & Uber?
Replies: 12
Views: 949

Re: 'Basic' phones that work with Lyft & Uber?

Don't you need to use the Uber or Lyft apps and not a browser?
by livesoft
Sun Apr 22, 2018 6:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Surveys
Replies: 44
Views: 1903

Re: Vanguard Surveys

I responded to a recent Vanguard survey. I thought it was nice that I was able to tell them how to improve their web site in specific ways. One survey question was something like, "Can we call you to discuss this further? Yes/No." So this is YOUR chance to suggest improvements for everybody. Folks ...
by livesoft
Sun Apr 22, 2018 6:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Surveys
Replies: 44
Views: 1903

Re: Vanguard Surveys

I responded to a recent Vanguard survey. I thought it was nice that I was able to tell them how to improve their web site in specific ways. One survey question was something like, "Can we call you to discuss this further? Yes/No." So this is YOUR chance to suggest improvements for everybody. Folks w...
by livesoft
Sun Apr 22, 2018 6:16 pm
Forum: Investing - Theory, News & General
Topic: Nick Murray and bonds
Replies: 17
Views: 1635

Re: Nick Murray and bonds

Resuscitating this Topic to ask livesoft: livesoft, 1. Have the frequency and or the extent of the bond outperformance over stocks over long periods of time been so significant for this to even be a factor in deciding how much or whether to hold bonds? 2. If the answer/s is/are "yes", will this "so...
by livesoft
Sun Apr 22, 2018 8:45 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8458

Re: Boglehead Philosophy Open To Change?

snarlyjack wrote:
Sun Apr 22, 2018 8:32 am
This would help the Bogleheads &
the forum. The forum could grow quite substantially.
So that big sucking sound putting the FIRE bloggers out of business would be bogleheads.org? Is that really what they want? They would not be able to FIRE then.
by livesoft
Sun Apr 22, 2018 8:39 am
Forum: Investing - Help with Personal Investments
Topic: How much does tinkering hurt returns?
Replies: 16
Views: 1459

Re: How much does tinkering hurt returns?

Nobody can really tell you how much your tinkering will hurt or help your returns. All of the posts in this thread have no data to back up their claims except for nedsaid. There are studies that show that some people who trade more do not do as well that trade less, too. But then it only takes one e...
by livesoft
Sat Apr 21, 2018 8:54 am
Forum: Investing - Help with Personal Investments
Topic: wash sale for IRA?
Replies: 6
Views: 416

Re: wash sale for IRA?

I have total US stock and total international stock in everything: traditional IRA and Roth IRA and even 401(k) and taxable. Never was a big deal for me.
by livesoft
Sat Apr 21, 2018 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Should I continue to hold REITs?
Replies: 48
Views: 3603

Re: Should I continue to hold REITs?

A Chinese shopping mall has been called ... the most expensive display advertising in history. The problem is there has been overinvestment. When I went to China, I noticed that the malls did not seem to actually be *selling* much? Chinese tend to go find a local trader and haggle over the price, I...
by livesoft
Fri Apr 20, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: mutual funds or etfs, why each
Replies: 33
Views: 2140

Re: mutual funds or etfs, why each

boardwalkmike wrote:
Fri Apr 20, 2018 1:18 pm
why pick mutual funds over etf's
Because you have anxiety attacks when you submit an ETF order, but not a mutual fund order.

Because you have more control over the price you pay for the ETF shares and that can backfire and kick regret back into your face.
by livesoft
Fri Apr 20, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: stocks gifted and new basis?
Replies: 7
Views: 404

Re: stocks gifted and new basis?

@Gill, thanks! Will you please let us know if they respond? I guess somebody else can tell us if the article is ever modified.
by livesoft
Fri Apr 20, 2018 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: stocks gifted and new basis?
Replies: 7
Views: 404

Re: stocks gifted and new basis?

You should send e-mail to the address noted in the article. Point them to IRS Publication 550.
by livesoft
Fri Apr 20, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: Newborn- essential financial steps
Replies: 20
Views: 1757

Re: Newborn- essential financial steps

Get her a job modeling and posing for photographs for advertisements.
by livesoft
Fri Apr 20, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard MM Fund Question
Replies: 3
Views: 436

Re: Vanguard MM Fund Question

Try it right now. Contribute $5 in the next few minutes. What happened?
by livesoft
Fri Apr 20, 2018 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard MM Fund Question
Replies: 3
Views: 436

Re: Vanguard MM Fund Question

Yes, you can just continue to contribute to your settlement account as normal.
by livesoft
Fri Apr 20, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Should I continue to hold REITs?
Replies: 48
Views: 3603

Re: Should I continue to hold REITs?

If you aren't committed to REITs ... and it certainly seems that you are not ... then you should sell and take your losses now. Otherwise, you would be buying more without a second thought. I think the money you have in REITs will be more productive elsewhere at this time. If VNQ has a RBD, then I w...
by livesoft
Fri Apr 20, 2018 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: How do you compare VNQ vs SP500?
Replies: 18
Views: 920

Re: How do you compare VNQ vs SP500?

The really simple answer is you don't compare them to each other.
by livesoft
Fri Apr 20, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: SpecID not yet available
Replies: 16
Views: 1259

Re: SpecID not yet available

And on the non-covered shares, I believe that is a thing with all brokerages. Both TDAmeritrade and WellsTrade have always had perfect records of our non-covered shares, so that we could use Specific Identification. Both would report accurate cost basis to me for non-covered shares, but would also ...
by livesoft
Fri Apr 20, 2018 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Opinion on Vanguard Personal Advisor Services
Replies: 12
Views: 1518

Re: Opinion on Vanguard Personal Advisor Services

And here is a link to another very good discussion of Vanguard PAS:

viewtopic.php?f=2&t=236085
by livesoft
Fri Apr 20, 2018 7:51 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Chasing Returns A Hard Catch
Replies: 2
Views: 389

Re: Larry Swedroe: Chasing Returns A Hard Catch

The article concludes
A better use of historical performance relegates it to a secondary role, the primary focus being an a priori analysis of a manager’s investment process (security selection and trading strategy).
Does that hint that a particular trading strategy can have benefits?
by livesoft
Fri Apr 20, 2018 7:07 am
Forum: Investing - Help with Personal Investments
Topic: Opinion on Vanguard Personal Advisor Services
Replies: 12
Views: 1518

Re: Opinion on Vanguard Personal Advisor Services

And TLH is a dual edge sword. It makes sense if you are going to buy and hold and leave the proceeds to your heirs just pulling the dividends in retirement. It makes less sense, in part depending on your current tax rate relative to your retirement tax rate, because by doing the TLH you essentially...
by livesoft
Fri Apr 20, 2018 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Financial planners [looking for one]
Replies: 30
Views: 2201

Re: Financial planners [looking for one]

A fluff piece on financial planners in the NYTimes today:
https://www.nytimes.com/2018/04/20/smar ... anner.html

Unfortunately, it does not inform one about all the problems with financial planners. They ain't all good guys and gals.
by livesoft
Thu Apr 19, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: managing travel expectations
Replies: 3
Views: 660

Re: managing travel expectations

Couples don't have to travel together. They can go to different places and at different times. One can stay home. I am going camping in the Sierras soon by myself. My spouse will stay home and walk the dog. My spouse went to Cuba with her girlfriends last month. I stayed home and walked the dog. But...