Search found 63764 matches

by livesoft
Tue Jan 15, 2019 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for modest early retirement in 5yrs. Questions & Feedback.
Replies: 16
Views: 717

Re: Preparing for modest early retirement in 5yrs. Questions & Feedback.

fortfun wrote:
Tue Jan 15, 2019 10:18 pm
Thanks Livesoft! What is one to do if the market crashes and you need to use money from those buckets?
You stop spending money by lowering your expenses.
by livesoft
Tue Jan 15, 2019 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for modest early retirement in 5yrs. Questions & Feedback.
Replies: 16
Views: 717

Re: Preparing for modest early retirement in 5yrs. Questions & Feedback.

If you have not read the entire series from EarlyRetirementNow on sustained withdrawal rates, then now is great time to start in on that: https://earlyretirementnow.com/2016/12/07/the-ultimate-guide-to-safe-withdrawal-rates-part-1-intro/ I think you will see that you probably should not put bonds in...
by livesoft
Tue Jan 15, 2019 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: John Hancock funds not showing any dividends?
Replies: 4
Views: 199

Re: John Hancock funds not showing any dividends?

When my spouse had a 401(k) plan with a 2% fee, we found it was prudent to take out the maximum possible 401(k) loan and invest the money elsewhere. We chose a 529 plan since the gains would be tax-free with children going to college. Check the fees to setup and service the 401(k) loan though as wel...
by livesoft
Tue Jan 15, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: Gillette Mach 3 alternatives
Replies: 35
Views: 1876

Re: Gillette Mach 3 alternatives

I use Gillette Fusion cartridges and strop them to keep them sharp for months:

https://www.youtube.com/watch?v=5ADaRIqy0Dc One can use their arm or blue jeans for a strop. It also helps to dry them as noted earlier in this thread.
by livesoft
Tue Jan 15, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: Using carry-on for traveling locally?
Replies: 9
Views: 405

Re: Using carry-on for traveling locally?

Note that one can take a carry-on and a personal bag. I use a small backpack designed for laptop + camera + lenses + flash + accessories as my personal bag and the previously mentioned carry-on as luggage able to take more camera stuff and other personal belongings. There is no rule that one's camer...
by livesoft
Tue Jan 15, 2019 7:22 pm
Forum: Personal Consumer Issues
Topic: Using carry-on for traveling locally?
Replies: 9
Views: 405

Re: Using carry-on for traveling locally?

I live about 4 hours from my girl. My wife and I go visit her and use carry-on luggage to take our stuff. So I'm not sure what your question is about. Are you saying you have no carry-on luggage and want a recommendation? I have an E-bags TLS Motherlode backpack version. I saw it recommended on bogl...
by livesoft
Tue Jan 15, 2019 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 50k car? If so, whats the best way to do it?
Replies: 26
Views: 827

Re: Can I afford a 50k car? If so, whats the best way to do it?

You can afford a $50K car as long as you pay $30K or less for it. That's what I do.
by livesoft
Tue Jan 15, 2019 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401(k) - Separate EIN Should Be Used for 5500EZ Filing
Replies: 12
Views: 549

Re: Solo 401(k) - Separate EIN Should Be Used for 5500EZ Filing

IngognitoUSA wrote:
Tue Jan 15, 2019 5:36 pm
Have been filing 5500 for years. Can I now switch to 5500-sf. Hate that 5500 is public.
Consult the Form 5500 web site. The answer probably lies there-in. I don't know the answer for you, but that's how I got the answer for me.
by livesoft
Tue Jan 15, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: School staff threatened to call social worker
Replies: 54
Views: 2358

Re: School staff threatened to call social worker

Schools are often paid from government funding that is based on the number of students each day in attendance, so they don't get paid as much if students don't show up. Thus, they are incentivized to get kids into the schools and make sure they show up. The solution is to follow the school schedule....
by livesoft
Tue Jan 15, 2019 5:21 pm
Forum: Investing - Theory, News & General
Topic: Timing the (Bond) Market
Replies: 4
Views: 324

Re: Timing the (Bond) Market

My strategy of bond timing is to note that bond funds do not make daily large percentage moves in NAV or price and have a total return of about 4% a year. Therefore, if a bond fund makes move of about 10% or more of the annual total return in one day, this move is unsustainable and merely caused by ...
by livesoft
Tue Jan 15, 2019 3:10 pm
Forum: Investing - Theory, News & General
Topic: Retirement savings new research
Replies: 7
Views: 1497

Re: Retirement savings new research

^I think the takeaway from the SSR article is that one should work until they are 70.5 years old. [Why? It is explained in the article. The best way for an older worker to implement the "Spend Safely in Retirement" strategy is to work just enough to pay for living expenses until age 70 in order to ...
by livesoft
Tue Jan 15, 2019 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Potentially being laid off with a 401k loan
Replies: 12
Views: 1165

Re: Potentially being laid off with a 401k loan

Here is a personal 401(k) loan story: I asked my spouse to take out a $50K 401(k) loan in order to put the money in 529 plans and go from a nearly 2% expense ratio bond fund in the 401(k) to a 0.1% bond fund in the 529 plans. The loan was simply paid from paycheck deductions. But then, my spouse's c...
by livesoft
Tue Jan 15, 2019 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Question moving from stock portfolio to VTI Total Stock Market Index
Replies: 14
Views: 643

Re: Question moving from stock portfolio to VTI Total Stock Market Index

I'd do A sell it all.

The reason is that once you do something else, your mind will start playing tricks on you and what to sell and what to keep. It is actually more scary to me to not do A.
by livesoft
Tue Jan 15, 2019 1:12 pm
Forum: Investing - Theory, News & General
Topic: Retirement savings new research
Replies: 7
Views: 1497

Re: Retirement savings new research

^I think the takeaway from the SSR article is that one should work until they are 70.5 years old.
by livesoft
Tue Jan 15, 2019 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable versus non-taxable allocation
Replies: 13
Views: 563

Re: Taxable versus non-taxable allocation

If I have to put something in taxable to keep the AA in balance should it be BND or VNQ? Because VNQ is probably more tax-inefficient than BND, one should use BND. But if one is in a high marginal income tax bracket, then one should not use BND either. Instead explore which tax-exempt muni bond fun...
by livesoft
Tue Jan 15, 2019 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: TLH partner for Fidelity Total Stock Market Index fund
Replies: 23
Views: 1074

Re: TLH partner for Fidelity Total Stock Market Index fund

Thanks for checking. I really appreciate that you did that. :beer <-- closest thing to milkshake :)
by livesoft
Tue Jan 15, 2019 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage Form 1099 for 2018
Replies: 7
Views: 644

Re: Vanguard Brokerage Form 1099 for 2018

Tax prep software companies have probably also just gotten their hands on 1099s as well and access to Vanguard 1099s. Wouldn't you like them to test their software and especially the 1099 import functions to know that the software works before you use that feature yourself?
by livesoft
Tue Jan 15, 2019 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: TLH partner for Fidelity Total Stock Market Index fund
Replies: 23
Views: 1074

Re: TLH partner for Fidelity Total Stock Market Index fund

However, I'm not sure it's even worth it for me, I don't expect to have any realized capital gains in 2019, but I expect to have a few thousand in qualified dividends which are taxed for me at 15%, so wouldn't any short-term realized loss "only" save me the 15% tax on the dividends? Nope. You would...
by livesoft
Tue Jan 15, 2019 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Sanity Check
Replies: 8
Views: 527

Re: Rebalancing Sanity Check

Welcome. If you are going to do this, I would go further with the bond centralization to 401k theme. 1. Sell the US and International Bond in Taxable. There is likely a small loss, no tax hit 2. Exchange Both Roth IRAs to be either Total US or Total International 3. Add Total US Bond in His 401k - ...
by livesoft
Tue Jan 15, 2019 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Need Advice on Building Taxable Account
Replies: 11
Views: 762

Re: Need Advice on Building Taxable Account

Since the OP wants automated weekly investments at Fidelity, this restricts the investments to Fidelity index mutual funds. And to follow the tenets of this forum, the further restrictions is a Total US Stock Market Index fund and a Total International Stock Market Index fund. That's it. So the only...
by livesoft
Tue Jan 15, 2019 11:07 am
Forum: Investing - Help with Personal Investments
Topic: TLH partner for Fidelity Total Stock Market Index fund
Replies: 23
Views: 1074

Re: TLH partner for Fidelity Total Stock Market Index fund

I'm piggy-backing this thread with a related question. [ ... a bunch of ETFs were mentioned ...] I suggest you pick the one that you would be comfortable with holding forever. What would you do after buying the replacement and in one day it went up 50% and stayed there? Presumably you had reasons t...
by livesoft
Tue Jan 15, 2019 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Calculating w-2 from last paystub
Replies: 7
Views: 677

Re: Calculating w-2 from last paystub

One needs to know which values on a paystub go to which Boxes on a W-2. Furthermore, payroll and HR often make mistakes. We found this out the hard way. My spouse's company is on their 3rd payroll department head in 4 years. They just can't seem to get it right. For 2017, she got 2 corrected W-2s. I...
by livesoft
Tue Jan 15, 2019 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Qualified Dividends
Replies: 20
Views: 1565

Re: Qualified Dividends

Let me give another example for you all to ponder about. Taxpayer buys in a taxable account at Vanguard shares of VOO 2 days before the December ex-dividend date. Taxpayer receives the dividend a week or so later. Then in January, Taxpayer transfers the shares of VOO that she bought at Vanguard over...
by livesoft
Tue Jan 15, 2019 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Qualified Dividends
Replies: 20
Views: 1565

Re: Qualified Dividends

I read that that you must reduce the QDI yourself. But it is easy to check. When I checked, it was not reduced. Readers might ask, "OK, it is easy to check, can you show me how?" First, you need to know that you did not meet your personal holding period and that some of your qualified dividends rep...
by livesoft
Tue Jan 15, 2019 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Qualified Dividends
Replies: 20
Views: 1565

Re: Qualified Dividends

I read that that you must reduce the QDI yourself. But it is easy to check. When I checked, it was not reduced. See https://www.bogleheads.org/forum/viewtopic.php?p=2813166#p2813166 Once again, your QDI is the amount reported in Box 1b, which you must reduce (if necessary) by .... Of course you had ...
by livesoft
Tue Jan 15, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Spousal tax wash sale adjustment advice
Replies: 3
Views: 207

Re: Spousal tax wash sale adjustment advice

I don't know what TradeLog does. With the GainsKeeper that I have access to, one can make adjustments, but I have never needed to. I just make the adjustments directly on my tax return as I showed in this thread: https://www.bogleheads.org/forum/viewtopic.php?t=179414 in gory detail. Indeed, maybe t...
by livesoft
Tue Jan 15, 2019 9:27 am
Forum: Investing - Theory, News & General
Topic: When to get investing help?
Replies: 2
Views: 340

Re: When to get investing help?

A relative of mine is private jet wealthy. Whenever we are together we discuss finances and investments. He has gone through a number of advisors and now just does the simple index fund route without any help. He does have a good estate attorney and plan. But he also doesn't care if his kids inherit...
by livesoft
Tue Jan 15, 2019 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Taxable versus non-taxable allocation
Replies: 13
Views: 563

Re: Taxable versus non-taxable allocation

^That's right. I don't have bonds in taxable nor do I keep any cash around except for what I need to pay upcoming monthly bills. I realize that many people are normal people and have a fear of not having enough money in taxable to last even though they have money in tax-advantaged accounts that they...
by livesoft
Tue Jan 15, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401(k) - Separate EIN Should Be Used for 5500EZ Filing
Replies: 12
Views: 549

Re: Solo 401(k) - Separate EIN Should Be Used for 5500EZ Filing

I use Form 5500-SF https://www.irs.gov/retirement-plans/form-5500-corner They are excluded from online search database: https://www.irs.gov/retirement-plans/file-your-one-participant-plans-electronically-using-form-5500-sf-they-are-now-excluded-from-online-search-database I got my first EIN for my s...
by livesoft
Tue Jan 15, 2019 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Qualified Dividends
Replies: 20
Views: 1565

Re: Qualified Dividends

1. Qualified DIvs....they are not posted yet but when they are assume they are correct. Thats all I have on that. There would be no way to compute that imo. A corrected 1099-Div could come out from Vanguard. If your able to figure it - challenge Vanguard. I believe that is not true as I posted earl...
by livesoft
Mon Jan 14, 2019 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Help me pick a retirement date. Or enough is enough?
Replies: 32
Views: 3537

Re: Help me pick a retirement date. Or enough is enough?

How about on 2/22/22 which is a date many people have planned for retirement?
by livesoft
Mon Jan 14, 2019 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: TLH is called "Murky"
Replies: 17
Views: 2048

Re: TLH is called "Murky"

Don't forget that you can also miss the worse performing days, which are bigger. It averages out to the order of +0.02%/day. https://www.ifa.com/12steps/step4/missing_the_best_and_worst_days/ Averages don't matter in this TLH thing. We know that worst and best days seem to appear close together in ...
by livesoft
Mon Jan 14, 2019 10:11 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 844
Views: 63686

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

My HSA from Lively/TD was transfered to Fidelity; it holds SPTM ETF. I will like to sell this and buy a mutual fund instead, "Fidelity® ZERO Total Market Index Fund (FZROX)", to approximate the Vanguard Total Stock Market index admiral in my Roth IRA (VTSAX). Are there any negatives to this move? T...
by livesoft
Mon Jan 14, 2019 8:59 pm
Forum: Personal Consumer Issues
Topic: Winter Getaway adventure trip recommendations
Replies: 13
Views: 739

Re: Winter Getaway adventure trip recommendations

I can't think of a place that would guarantee 60 deg F weather and certainly not overnight. For hiking/camping/mountain biking, southern Arizona might fit the bill. The Superstition Wilderness near Phoenix is a superb place for backpacking and wilderness camping. No bikes allowed though. How does i...
by livesoft
Mon Jan 14, 2019 7:48 pm
Forum: Personal Consumer Issues
Topic: Winter Getaway adventure trip recommendations
Replies: 13
Views: 739

Re: Winter Getaway adventure trip recommendations

How about Big Bend National Park and the surrounding area? See you there! It is hard to get to because it requires at long drive (5+ hours) from nearest anywhere. And it is colder than 60 deg in the Chisos Mountains in February where one can expect some snow, though the desert areas will only be fr...
by livesoft
Mon Jan 14, 2019 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Alternatives to Permanent Life Insurance
Replies: 8
Views: 413

Re: Alternatives to Permanent Life Insurance

Investing tax-efficiently in a taxable account has so many advantages that I don't see a reason not to stop right there. Such an account will practically guarantee that you can retire early just like the rest of us have already done. The Soft Life awaits you.
by livesoft
Mon Jan 14, 2019 6:28 pm
Forum: Personal Consumer Issues
Topic: Winter Getaway adventure trip recommendations
Replies: 13
Views: 739

Re: Winter Getaway adventure trip recommendations

I can't think of a place that would guarantee 60 deg F weather and certainly not overnight.

For hiking/camping/mountain biking, southern Arizona might fit the bill. The Superstition Wilderness near Phoenix is a superb place for backpacking and wilderness camping. No bikes allowed though.
by livesoft
Mon Jan 14, 2019 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Tapping into retirement savings question
Replies: 6
Views: 1140

Re: Tapping into retirement savings question

I tap into my taxable account whether the investments are up or down. It just doesn't matter. I do not get money out early (so I have no extra cash sitting around most of the time), but only sell equity funds in a "just-in-time" fashion as needed. I'll give a recent example: In a taxable account I h...
by livesoft
Mon Jan 14, 2019 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) rollover check for 8 cents. Can I ignore it?
Replies: 8
Views: 763

Re: 401(k) rollover check for 8 cents. Can I ignore it?

I'd ask for a stamp when someone asks me what do I want for my birthday, then I'd mail it in.
by livesoft
Mon Jan 14, 2019 4:51 pm
Forum: Investing - Theory, News & General
Topic: Buying ETF intraday vs. buying index fund at NAV
Replies: 3
Views: 311

Re: Buying ETF intraday vs. buying index fund at NAV

Have you read the Case Study: Broker Trade Executions thread? I might have believed all the fancy stuff that you wrote about, but after doing some of my own experiments, I think it is all poppycock. So I now use market orders, trade at the opening cross by placing orders before the market opens, tra...
by livesoft
Mon Jan 14, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9585

Re: Disciplined with finances, but not so with diet

DaftInvestor wrote:
Mon Jan 14, 2019 4:38 pm
That takes discipline though.
Yep.

Here is one of the annual January pieces on learning to love to exercise (it's a quick read or a podcast listen):
https://www.npr.org/sections/health-sho ... e-exercise
by livesoft
Mon Jan 14, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9585

Re: Disciplined with finances, but not so with diet

DaftInvestor wrote:
Mon Jan 14, 2019 4:10 pm
What if he works from home? My commute to my home office is only about 30 steps.
Since you don't commute, you could ride a bike 20 miles before starting work. I used to do that when I had a job close to my home.
by livesoft
Mon Jan 14, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9585

Re: Disciplined with finances, but not so with diet

I like this 20 min explanation from a physicist about calories and the carbon atoms in the things we eat: https://www.youtube.com/watch?v=vuIlsN32WaE In a nutshell, the only way to get rid of carbon atoms found in our weight is to breath it out as carbon dioxide. Of course, if we don't let those car...
by livesoft
Mon Jan 14, 2019 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Question
Replies: 2
Views: 330

Re: Turbo Tax Question

When you said "instead of HR Block" you mean instead of going into an HR Block office or instead of using HR Block tax prep software yourself?

I've seen HR Block tax prep software for as low as $8.
by livesoft
Mon Jan 14, 2019 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: TLH is called "Murky"
Replies: 17
Views: 2048

Re: TLH is called "Murky"

What is nice about the linked article is that the author got quotes from several robo-advisors on what they consider to be NOT substantially identical, so at least all their thoughts are in a single article and one doesn't have to go to each web site to figure them out.
by livesoft
Mon Jan 14, 2019 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Tool for accurate asset allocation %?
Replies: 1
Views: 214

Re: Tool for accurate asset allocation %?

I think a Morningstar.com Portfolio X-ray is one of the best ways. It is available in at least 4 places: Morningstar.com Fidelity.com (under "Analysis" tab) TDAmeritrade.com (under Research and Ideas) TRowePrice.com See this all explained in this discussion: https://www.bogleheads.org/forum/viewtopi...
by livesoft
Mon Jan 14, 2019 12:04 pm
Forum: Investing - Theory, News & General
Topic: First Vanguard Tax Form Available (and a tip)
Replies: 2
Views: 567

Re: First Vanguard Tax Form Available (and a tip)

Excellent reminder, so thanks.

Many Vanguard clients were upset in past years when they got the second 1099-R / 1099-DIV / 1099-B after they had already filed their taxes. Vanguard.com did have a notice about 2 sets of 1099s for folks with the old style and new style accounts at the time.
by livesoft
Mon Jan 14, 2019 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Spousal tax wash sale adjustment advice
Replies: 3
Views: 207

Re: Spousal tax wash sale adjustment advice

Is GainsKeeper or TradeLog available in your Trust Accounts? If you make the adjustment in Cost Basis of the newly purchased shares that created the wash sale, then I would think you would want that to be persistent or sticky and then reflected in the future 1099-B when those shares are sold. To tha...
by livesoft
Mon Jan 14, 2019 11:28 am
Forum: Investing - Help with Personal Investments
Topic: 2019 Investing
Replies: 3
Views: 403

Re: 2019 Investing

Create a simple plan. We can give you a plan, but if you come up with one on your own that we can review and comment on, then you will have a more personal stake in it.

You can read one of the few things posted in this thread from today in a few minutes to get you started.
by livesoft
Mon Jan 14, 2019 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Retirement portfolio
Replies: 14
Views: 1351

Re: Retirement portfolio

... how a person will manage all the rest of one's financial affairs including all sources of income, bank accounts, credit cards, taxes, health care issues (financial aspects), insurance, paying the bills, wills and POAs, etc. I would like to echo that sentiment because of an experience I have had...