Search found 60130 matches

by livesoft
Fri May 25, 2018 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Branch Offices
Replies: 3
Views: 122

Re: TD Ameritrade Branch Offices

We have had TDAmeritrade (nee TDWaterhouse) accounts for almost 25 years. The local office has moved at least twice, but always less than a mile from each old place. The people in the office have come and gone. I go into the office once a year to deposit my solo 401(k) annual contribution. In the pa...
by livesoft
Fri May 25, 2018 4:12 pm
Forum: Investing - Theory, News & General
Topic: Fear vs. reality. Don't worry. Be happy. [Outliving your retirement savings]
Replies: 38
Views: 2968

Re: Fear vs. reality. Don't worry. Be happy. [Outliving your retirement savings]

I agree with the 2nd statement, but would not assume the first. I’d believe the first of Bogleheads, but not the working population as a whole without proof. I didn't state that workers were using an IRA when they could which is what I believe you are also saying. I guess I should have said "with a...
by livesoft
Fri May 25, 2018 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA TRAD as Fixed Income in my AA?
Replies: 6
Views: 335

Re: TIAA TRAD as Fixed Income in my AA?

I would not be 100% TIAA TRAD myself. It is good to have when bond fund prices are dropping, but not so good when bond fund prices are recovering. Since bond fund prices have already dropped quite a bit, I think the ship has sailed this time. Traditional may indeed do relatively better when rates a...
by livesoft
Fri May 25, 2018 3:30 pm
Forum: Investing - Theory, News & General
Topic: Fear vs. reality. Don't worry. Be happy. [Outliving your retirement savings]
Replies: 38
Views: 2968

Re: Fear vs. reality. Don't worry. Be happy. [Outliving your retirement savings]

I think we can say that the percentage of workers covered by an Individual Retirement Arrangement (IRA) is nearly 100% nowadays. That was not the case in the 1950s, 60s, and 70s. :)
by livesoft
Fri May 25, 2018 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: How safe are our funds in online platforms?
Replies: 7
Views: 356

Re: How safe are our funds in online platforms?

Funds are stolen every single day. Lots of funds. Check it out:
https://www.reuters.com/article/us-mexi ... SKCN1IF1X7
by livesoft
Fri May 25, 2018 3:05 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 179
Views: 12614

Re: Buy on Really Bad Days, Sell on Really Good Days?

I am surprised I can't find any posts by you on how to DIY-approximate Engineer TM 's bi-dimensional (expected risk & return) strategy... L.C. I was given this book recently and I am still thinking about it. Also, I've sort of given up explaining to people how many of the rebalancing studies do not...
by livesoft
Fri May 25, 2018 2:56 pm
Forum: Investing - Theory, News & General
Topic: Fear vs. reality. Don't worry. Be happy. [Outliving your retirement savings]
Replies: 38
Views: 2968

Re: Fear vs. reality. Don't worry. Be happy. [Outliving your retirement savings]

I agree completely that "that pensions are on the decline and by significant numbers." There can be no doubt about that. I disagree that most workers ever had pensions in the first place. Quite a lot of workers never had retirement plans provided by their employer. Consider your statement "At one ti...
by livesoft
Fri May 25, 2018 2:14 pm
Forum: Investing - Theory, News & General
Topic: Fear vs. reality. Don't worry. Be happy. [Outliving your retirement savings]
Replies: 38
Views: 2968

Re: Fear vs. reality. Don't worry. Be happy.

Not according to studies that show in the 1980's, 60% of workers still had pension plans compared to only 4% these days. http://money.cnn.com/retirement/guide/pensions_basics.moneymag/index7.htm There was no study presented in the article you linked. I think I did find the source of the 60% mention...
by livesoft
Fri May 25, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA TRAD as Fixed Income in my AA?
Replies: 6
Views: 335

Re: TIAA TRAD as Fixed Income in my AA?

I have owned some TIAA TA for more than 30 years. It is now a relatively small portion of my overall portion and less than 10% of my fixed income allocation. I would not be 100% TIAA TRAD myself. It is good to have when bond fund prices are dropping, but not so good when bond fund prices are recover...
by livesoft
Fri May 25, 2018 11:21 am
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 179
Views: 12614

Re: Buy on Really Bad Days, Sell on Really Good Days?

I never did post such a topic. I comment pretty regularly that I think rebalancing once-a-year by using a date on a calendar is unwise. Don't studies show it doesn't really help one? For those with access to a library or a book store, they may wish to read about a rebalancing method in "Nonprofit As...
by livesoft
Fri May 25, 2018 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Alternative to Morningstar X-ray Tool
Replies: 7
Views: 536

Re: Alternative to Morningstar X-ray Tool

See this thread where all is revealed:
viewtopic.php?t=150267

Basically, your financial institution should provide the tool for you to use. Call them up and ask them about it after reading the linked thread.
by livesoft
Fri May 25, 2018 10:21 am
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 100
Views: 8816

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

Did anybody notice that bond ETFs are up about 0.75% in the past week? Since when do bond funds go up that much in a week? :twisted:
by livesoft
Fri May 25, 2018 10:16 am
Forum: Investing - Theory, News & General
Topic: Folks, I'm calling the Tops for Bay area RE market
Replies: 46
Views: 2145

Re: Folks, I'm calling the Tops for Bay area RE market

Only if the Rockets stomp on the Warriors. If so, then I will call the bottom of the Houston RE market.
by livesoft
Fri May 25, 2018 7:42 am
Forum: Investing - Help with Personal Investments
Topic: Should I open a traditional IRA for bond allocation?
Replies: 14
Views: 447

Re: Should I open a traditional IRA for bond allocation?

You didn't tell us what tax rate you pay on your Roth IRA contributions. If you are in the 0% tax bracket, then put bonds (and equities) in your taxable account and equities in your Roth IRA and don't worry about a traditional IRA for now.
by livesoft
Fri May 25, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: When did this start?? [Restaurant tipping on total bill]
Replies: 58
Views: 3087

Re: When did this start??

Looks like something Richard Thaler and Cass Sunstein would have suggested. That is, a nudge.
by livesoft
Fri May 25, 2018 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Expenses now are 50k a year...can I plan that for retirement?
Replies: 12
Views: 959

Re: Expenses now are 50k a year...can I plan that for retirement?

First, it doesn't matter what you plan in detail since the details will change as time passes. Second, yes, you can plan to spend only $50K a year in retirement. Third, you can always change your plan. Fourth, I cannot tell how much health insurance will be for you from this side of the internet. Th...
by livesoft
Thu May 24, 2018 10:24 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 179
Views: 12614

Re: Buy on Really Bad Days, Sell on Really Good Days?

No, RBDs are not my only rebalancing rules. Yes, I rebalance on days and situations other than RBDs. are RBDs your key/main rebalancing rules? Perhaps my main rule is to use any new money (dividends, contributions) towards bringing the portfolio towards the balance point. RBDs should be few and far...
by livesoft
Thu May 24, 2018 10:12 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 179
Views: 12614

Re: Buy on Really Bad Days, Sell on Really Good Days?

No, RBDs are not my only rebalancing rules.

Yes, I rebalance on days and situations other than RBDs.
by livesoft
Thu May 24, 2018 9:46 pm
Forum: Investing - Theory, News & General
Topic: Is this a mistake or typo or something else by Fidelity?
Replies: 6
Views: 1136

Re: Is this a mistake or typo or something else by Fidelity?

The date on this says May 9, so it might have already been around a couple of weeks with no correction.
by livesoft
Thu May 24, 2018 9:28 pm
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 100
Views: 8816

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

Thanks, that -0.23% is Year through 4/30/2018. The first couple of weeks in May were nice.
by livesoft
Thu May 24, 2018 9:20 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 50
Views: 3285

Re: US T bills - first time user

fortfun wrote:
Thu May 24, 2018 9:11 pm
Thanks Livesoft. Why did they return 8% back in the day that Your Money or Your Life was written? What happened to them?
The rate of inflation was crushed since then.
by livesoft
Thu May 24, 2018 9:19 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 50
Views: 3285

Re: US T bills - first time user

fortfun wrote:
Thu May 24, 2018 9:12 pm
At 1.92% why bother? Online banks are beating that now.
One reason to bother is that there is no need for FDIC insurance with T-bills, so one could have several million dollars in T-bills and not worry about risk of a bank failure.
by livesoft
Thu May 24, 2018 9:15 pm
Forum: Investing - Theory, News & General
Topic: Is this a mistake or typo or something else by Fidelity?
Replies: 6
Views: 1136

Is this a mistake or typo or something else by Fidelity?

I didn't think my spouse read any of the drivel sent to us from Fidelity, but a glaring mistake has her ranting to me now. The Fidelity weekly blurb is about Social Security myths. https://www.fidelity.com/viewpoints/retirement/social-security-myths https://i.imgur.com/dontgit.png (highlighting is m...
by livesoft
Thu May 24, 2018 8:57 pm
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 100
Views: 8816

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX up 3%

When this thread was started with its fake title, VTSAX was up 3% YTD and not down 0.23%. May I ask where "down 0.23%" came from please?
by livesoft
Thu May 24, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: Does the book thread include biographies
Replies: 2
Views: 168

Re: Does the book thread include biographies

viewtopic.php?t=220264

came from a search with the term "biography site:bogleheads.org"

There are other results to consult, too.
by livesoft
Thu May 24, 2018 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Small & Community Bank ETF's
Replies: 6
Views: 319

Re: Small & Community Bank ETF's

Probably not since small & community banks were not affected by Dodd-Frank in the first place since they probably had less than $50 billion in assets. https://www.npr.org/sections/thetwo-way/2018/05/22/613390275/congress-to-undo-part-of-dodd-frank-easing-rules-for-mid-sized-smaller-banks I thought ...
by livesoft
Thu May 24, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Small & Community Bank ETF's
Replies: 6
Views: 319

Re: Small & Community Bank ETF's

Probably not since small & community banks were not affected by Dodd-Frank in the first place since they probably had less than $50 billion in assets.

https://www.npr.org/sections/thetwo-way ... ller-banks
by livesoft
Thu May 24, 2018 6:40 pm
Forum: Investing - Theory, News & General
Topic: Withdrawal Rates – Part 24: Flexibility Myths vs. Reality
Replies: 98
Views: 9683

Re: Withdrawal Rates – Part 24: Flexibility Myths vs. Reality

^Don't forget that with the extra cash is extra. So just because the withdrawal rate with the extra cash is 3.64% does not match up with the earlier 3.26% SWR of the 1929 cohort. In one case, the 1929 retiree started with about a 10% higher value portfolio. How long would it take you to increase you...
by livesoft
Thu May 24, 2018 6:32 pm
Forum: Investing - Theory, News & General
Topic: Fear vs. reality. Don't worry. Be happy. [Outliving your retirement savings]
Replies: 38
Views: 2968

Re: Fear vs. reality. Don't worry. Be happy.

The point I was trying to make was the change in corporate America (loss of pension plans) and how, I believe, it might makes some of the data in the study shared irrelevant. There is no pension any longer for most - thus the results of the current long time retirees not spending down their savings...
by livesoft
Thu May 24, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Allocation - 54 yr old couple
Replies: 4
Views: 587

Re: Investment Allocation - 54 yr old couple

[...] I'm interested in the community's thoughts about how to manage interest rate sensitivity of the bond portion of our portfolio. [...] 12% - Vanguard Intermediate-Term Investment-Grade Fund Admiral Shares 9% - Vanguard Short-Term Investment-Grade Fund Admiral Shares 19% - Vanguard Total Bond Ma...
by livesoft
Thu May 24, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 10
Views: 711

Re: Quicken Alternatives

MS Money is a free downloadable software package for Microsoft Windows that does what Quicken does. It was not mentioned in this thread yet. I use MS Money to track all my investments, cost basis, performance, etc. I also keep my annual statements with transactions listed with my hard copy of my tax...
by livesoft
Thu May 24, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 50
Views: 3285

Re: US T bills - first time user

fortfun wrote:
Thu May 24, 2018 3:50 pm
What is the expected return on T-bills?
The expected return is shown in the Yield-to-Maturity (YTM), so about 1.92% annualized. A 3-month bill would get one-fourth of that because 3 months is one-fourth of 12 months which is a year.
by livesoft
Thu May 24, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 50
Views: 3285

Re: US T bills - first time user

Fidelity, Vanguard and Schwab don't charge commissions for Treasury trades, so the price you see is the price you get. One can write the same thing about TDAmeritrade. Note that the commissions can be unseen and embedded in the price one pays. That is, it can be pretty hard to tell when there is a ...
by livesoft
Thu May 24, 2018 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Short Duration Bonds ETF with Fidelity
Replies: 15
Views: 769

Re: Short Duration Bonds ETF with Fidelity

This thread suggests that the Fidelity web site sucks when it comes to helping client investors find these things.
by livesoft
Thu May 24, 2018 3:35 pm
Forum: Investing - Theory, News & General
Topic: Fear vs. reality. Don't worry. Be happy. [Outliving your retirement savings]
Replies: 38
Views: 2968

Re: Fear vs. reality. Don't worry. Be happy.

The study is from people born between 1931 and 1941 which would make them 77 to 87 years old or say retired for 20 to 30 years. We know that folks that retired in the 1988 to 1998 time frame had a remarkable sequence of returns benefit. But I do agree with the gist of the article: Don't worry. Be ha...
by livesoft
Thu May 24, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Hard Sided Laptop Protector
Replies: 7
Views: 356

Re: Hard Sided Laptop Protector

Replace the hard drive with a solid-state drive for starters. :) Also laptops with metallic bodies are available. I'm typing this now on a MacBook Air with SSD. I know that the Dells the family has had ages ago had plastic shells. Sure, a new laptop is more expensive than a separate sheet of metal o...
by livesoft
Thu May 24, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: ETF: Compound vs. Day/Swing trading (catch the wave)
Replies: 10
Views: 542

Re: ETF: Compound vs. Day/Swing trading (catch the wave)

How can anyone really answer your questions since the answers will depend on how YOU do Day/Swing trading? You will have to try for yourself and see what happens. One rule that I made up: Don't pay taxes and don't pay fees to trade --- otherwise you will dig yourself a big[ger] hole that you won't b...
by livesoft
Thu May 24, 2018 12:49 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 50
Views: 3285

Re: US T bills - first time user

Just wanted to say Thanks! to the others who have responded in this thread. This could be the start of a Bogleheads.org Wiki page on T-bills.
by livesoft
Thu May 24, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: Low net asset ETF — Issues?
Replies: 22
Views: 958

Re: Low net asset ETF — Issues?

My main issue is that I do not want to own any ETF where my total ownership will be more than about 5% of the average daily volume. So that might mean no more than 5,000 shares of something like DGS. One can then calculate that 5,000 * $52 = $260K. A further calculation might be that $260K is 5% of ...
by livesoft
Thu May 24, 2018 11:12 am
Forum: Investing - Theory, News & General
Topic: Low net asset ETF — Issues?
Replies: 22
Views: 958

Re: Low net asset ETF — Issues?

OK, second question, what needs did you have that only one low asset value ETF would meet them? With your 4K+ posts, I am sure you know that many people on this forum believe that needs can be met with just 3 funds.
by livesoft
Thu May 24, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: Morningatar: sending portfolio info about OTHER PEOPLE?
Replies: 4
Views: 464

Re: Morningatar: sending portfolio info about OTHER PEOPLE?

I saw this a few years ago when I used a M* portfolio X-ray. I was amused by someone's else's portfolio, but I don't recall seeing any personally identifiable info.
by livesoft
Thu May 24, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: div yield for vtsax doesnt make sense to me
Replies: 3
Views: 478

Re: div yield for vtsax doesnt make sense to me

So where did the OP's other 2 dividend payments go? :twisted: I can speculate that their account was a mutual fund account for the June and September 2017 dividends, but was a brokerage account for the December 2017 and March 2018 dividends. Here is a link to the vanguard.com distributions web page ...
by livesoft
Thu May 24, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: Low net asset ETF — Issues?
Replies: 22
Views: 958

Re: Low net asset ETF — Issues?

I personally would not have bought the ETF in the first place whatever it is.

I'd like to explore the psychology of you buying these shares in the first place. First question: Is there another ETF in the same space by another sponsor that has lots of assets and volume?
by livesoft
Thu May 24, 2018 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Should I hire a financial adviser?
Replies: 13
Views: 1261

Re: Should I hire a financial adviser?

Sure, you should hire a financial advisor to get you going. But who will that person be? You should have a plan to disengage yourself and your money from anyone you hire, too. You should want to make sure that it won't cost you a lot of money to switch from using someone for advice and switching to ...
by livesoft
Wed May 23, 2018 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: anyway to get running transaction balance at Vanguard?
Replies: 2
Views: 382

Re: anyway to get running transaction balance at Vanguard?

I have never found a way to get vanguard to update anything in real time. I have mentioned this improvement in surveys sent to me.

This lack of timeliness is one reason I don't put anymore money into our vanguard accounts.
by livesoft
Wed May 23, 2018 7:14 pm
Forum: Investing - Theory, News & General
Topic: Why do "traditional slice-and-dice" portfolios split 50/50 between value and blend?
Replies: 13
Views: 884

Re: Why do "traditional slice-and-dice" portfolios split 50/50 between value and blend?

I think it is because somebody used 50/50 once and everybody else followed, so no real reason. Or maybe somebody did a study and only back-tested 50/50, so that is what you get.

Something similar happened with the dosage for baby aspirin. Ever wonder why the pills are a very oddball dose?
by livesoft
Wed May 23, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Employer pays 50% tuition -- how to fund 529?
Replies: 6
Views: 620

Re: Employer pays 50% tuition -- how to fund 529?

Will your family be eligible for the American Opportunity Tax Credit? And the Lifetime Learning Credit?
by livesoft
Wed May 23, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 96
Views: 4233

Re: How have you upgraded your wardrobe?

@CedarWaxWing, please ask your son what he intends to wear to his PhD defense and seminars when he is applying for jobs.

A nice gift to him might be some clothes for the above. :)
by livesoft
Wed May 23, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 96
Views: 4233

Re: How have you upgraded your wardrobe?

Many years ago, my mom gave me a Brooks Brother shirt as a gift. It fit so well and I received compliments wearing it, so I eventually bought more of these BB shirts. But I only bought them online and on sale. I also bought a BB classic dark navy blazer online and it fits perfectly at more than 50% ...
by livesoft
Wed May 23, 2018 7:36 am
Forum: Investing - Theory, News & General
Topic: Typical interest rate earned by target date funds in retirement?
Replies: 28
Views: 1843

Re: Typical interest rate earned by target date funds in retirement?

Please read the wiki on safe withdrawal rates for a basic understanding of the topic. https://www.bogleheads.org/wiki/Safe_withdrawal_rates Another great set of articles from Early Retirement Now: https://earlyretirementnow.com/2016/12/07/the-ultimate-guide-to-safe-withdrawal-rates-part-1-intro/ Th...