Search found 61052 matches

by livesoft
Wed Jul 18, 2018 6:22 pm
Forum: Investing - Theory, News & General
Topic: Flatting Yield Curve - buckle up for the storm?
Replies: 23
Views: 1219

Re: Flatting Yield Curve - buckle up for the storm?

grayfox wrote:
Wed Jul 18, 2018 6:00 pm
Where's that page that shows the probability of FED FUNDS rate at future dates. Is this it?
I use this, but they are probably all pretty much the same:
https://www.cmegroup.com/trading/intere ... -fomc.html
by livesoft
Wed Jul 18, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: Flatting Yield Curve - buckle up for the storm?
Replies: 23
Views: 1219

Re: Flatting Yield Curve - buckle up for the storm?

OK, which bond funds will do best before the Recession is noticed and which one's will do best as the Recession is noticed and which one's will do best after the Recession is declared?
by livesoft
Wed Jul 18, 2018 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Short versus Intermediate Term Bond
Replies: 8
Views: 714

Re: Short versus Intermediate Term Bond

patrick013 wrote:
Wed Jul 18, 2018 2:10 pm
@Livesoft
...
Sorry, I don't know what you are writing about, but you can pm me to explain if you wish.
by livesoft
Wed Jul 18, 2018 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 59
Views: 4375

Re: Salary vs. Lifestyle

Yes, what she said.
by livesoft
Wed Jul 18, 2018 5:14 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 562
Views: 65163

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

TallBoy29er wrote:
Wed Jul 18, 2018 5:11 pm
Just when I was feeling good about making a decision where to go..... :shock:
The good thing is that my son sold all shares in his UTMA back in January and hasn't reinvested the money. So he is up YTD over what would have happened if Vanguard didn't act insanely.
by livesoft
Wed Jul 18, 2018 4:47 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 562
Views: 65163

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

FWIW, I didn't drop Vanguard ETF's, I dropped TDA. I did get free trades, but with three accounts (spouse and self Roth, taxable), it's a pain in the arse. Funny - tried to open a Merrill Edge account, thought it would be nice to have all Bank of America accts and Merrill acct in one place. Did the...
by livesoft
Wed Jul 18, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford private high school?
Replies: 19
Views: 848

Re: Can I afford private school?

For college, yes. For before college K-12, no. Maybe 11-12 though.
by livesoft
Wed Jul 18, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Received IRS notice CP 2000 asking more tax. Need help.
Replies: 18
Views: 1465

Re: Received IRS notice CP 2000 asking more tax. Need help.

Pretty sure you have to use actual expenses with the 529. You can't just use estimates from the school's website. Your registrar/billing transcript would be a better source doc. If you can match the expenses on that with allowable 529 expenses then you're fine. The registrar is not going to have of...
by livesoft
Wed Jul 18, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Europe travel Qs
Replies: 41
Views: 1422

Re: Europe travel Qs

I don't bother carrying money or a wallet anymore. I have a zippered pocket for one credit card, one ID card. If I am camping, I add a micro pocket knife and a BIC lighter. In Europe or in general? In general. Europe, US, wherever. I sometimes add a health insurance card. If I go to the library, I ...
by livesoft
Wed Jul 18, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Europe travel Qs
Replies: 41
Views: 1422

Re: Europe travel Qs

I don't bother carrying money or a wallet anymore. I have a zippered pocket for one credit card, one ID card. If I am camping, I add a micro pocket knife and a BIC lighter.
by livesoft
Wed Jul 18, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Beginner Kayaks
Replies: 5
Views: 248

Re: Beginner Kayaks

Any ol' used kayak is probably good enough. What are the 6 to 10 used kayaks that are available to you right now? Also what are you going to do? Sit in swimming pool? Kayak along the sea coast? Kayak among sheltered islands on a lake or say inside the Outer Banks? Whitewater kayaking? Just fishing f...
by livesoft
Wed Jul 18, 2018 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Another avg cost vs. Spec ID decision
Replies: 10
Views: 463

Re: Another avg cost vs. Spec ID decision

If you need more fixed income in your asset allocation than your 401(k) has room for (after the 401(k) is 100% bonds), then you have to put it somewhere. It could go in taxable or Roth. The decision will depend on your tax bracket(s). High income folks will use a tax-exempt bond fund in the taxable ...
by livesoft
Wed Jul 18, 2018 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Another avg cost vs. Spec ID decision
Replies: 10
Views: 463

Re: Another avg cost vs. Spec ID decision

So, no reason to not have your 401(k) 100% bonds while having some additional bonds elsewhere.
by livesoft
Wed Jul 18, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 562
Views: 65163

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Other characteristics: Passively-managed. Index fund. Tracks a Vanguard ETF faithfully. After all, if you liked the Vanguard ETF, why wouldn't you like the clone of the Vanguard ETF? So why did you choose the Vanguard ETF in the past? The same reasons can be used for other ETFs, right?
by livesoft
Wed Jul 18, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: Mutual Fund or ETF?
Replies: 2
Views: 252

Re: Mutual Fund or ETF?

See this well-curated wiki article:
https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds
by livesoft
Wed Jul 18, 2018 2:07 pm
Forum: Investing - Theory, News & General
Topic: WSJ article on teaching children finance may save your retirement
Replies: 4
Views: 765

Re: WSJ article on teaching children finance may save your retirement

Not much info in the article. Mostly it says (paraphrasing) "Save for your own retirement instead of giving adult children money you cannot afford to give them."
by livesoft
Wed Jul 18, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie question
Replies: 2
Views: 151

Re: Newbie question

Sounds good to me. There, was that easy on you? :) Welcome.
by livesoft
Wed Jul 18, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 562
Views: 65163

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Any time a list of no-commission ETFs appears or changes, one can simply look at the list and sort from low-expense-ratio to high-expense-ratio. The ETFs that I would pick would be low expense ratio ones, so they would be among the first 10 to 20 ETFs in the sorted list. It's pretty easy to do and o...
by livesoft
Wed Jul 18, 2018 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Short versus Intermediate Term Bond
Replies: 8
Views: 714

Re: Short versus Intermediate Term Bond

Bond funds can go up or down by 0.5% in a single day. Not often, but often enough. So would you switch from intermediate term to short term if the intermediate term went up 0.5% in a single day? And if intermediate term dropped by 0.5% in a single day, would you switch from short-term to intermediat...
by livesoft
Wed Jul 18, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Anything wrong with this portfolio?
Replies: 7
Views: 662

Re: Anything wrong with this portfolio?

Why all the S&P500 index funds and not Total US Stock Market index funds instead?
by livesoft
Wed Jul 18, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Europe travel Qs
Replies: 41
Views: 1422

Re: Europe travel Qs

I cannot answer all your questions, but will comment anyways. 1. I don't take cash and try to never get money from an ATM. I just use a decent no-foreign-transaction fee credit card like Capital One when I am in Europe. I've even paid for bus tickets with a credit card. Your CapOne card will be good...
by livesoft
Wed Jul 18, 2018 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Sub-Asset Allocation Model, Personal Advisor Service
Replies: 18
Views: 1431

Re: Vanguard Sub-Asset Allocation Model, Personal Advisor Service

I think the Vanguard advice is perfect for you, but you don't have to follow it. As for the REIT, selling now would be selling high, so why wouldn't you want to do that? Also, the way these forums and this thread works is that you should probably edit the FIRST post in this thread to reflect the cor...
by livesoft
Wed Jul 18, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Another avg cost vs. Spec ID decision
Replies: 10
Views: 463

Re: Another avg cost vs. Spec ID decision

Anything net over $3,000 will be carried forward.

This looks like a great opportunity to exchange into a replacement fund and be done with non-covered shares. And also to consider getting bond funds out of taxable and perhaps make things more tax efficient going forward.
by livesoft
Wed Jul 18, 2018 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Another avg cost vs. Spec ID decision
Replies: 10
Views: 463

Re: Another avg cost vs. Spec ID decision

Use spec ID and don't sell any of the non-covered shares. Done. I doubt the non-covered shares have a loss anyways.

OTOH, if average cost per share is under current NAV and you hold these shares in a taxable account, this is a GOLDEN opportunity to sell ALL the shares at a loss. Don't waste it.
by livesoft
Wed Jul 18, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 59
Views: 4375

Re: Salary vs. Lifestyle

Everybody I know that has had higher salary has figured out a way to enjoy life while earning a higher salary. I think much of the pain now stuff is just talk to make the wealthy feel more normal and not get hassled by the less well off.
by livesoft
Wed Jul 18, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: Backdoor Roth questions. ??
Replies: 10
Views: 651

Re: Backdoor Roth questions. ??

Is "acct" 'account' or 'accountant'? If "he" is 'accountant', then I suggest you talk to him. In your situation, I would be able to backdoor Roth and do Roth conversions, but you are not me. I can call him but are you saying if a 5606 (sic) was not filed each year. I cannot now do a backdoor Roth ?...
by livesoft
Wed Jul 18, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: 403B Coal Raking! Help!
Replies: 7
Views: 581

Re: 403B Coal Raking! Help!

When making a stink, I would send clippings of newspaper articles documenting how other institutions of higher learning have been sued and lost.
by livesoft
Wed Jul 18, 2018 8:25 am
Forum: Investing - Theory, News & General
Topic: International Stocks in Taxable?
Replies: 14
Views: 849

Re: International Stocks in Taxable?

I have 100% of my international allocation in taxable. TurboTax claims the credit for me when I import my brokerage data. I am curious about the amount of your credit. It is rather simple if less than the $300/$600 amount for single/joint filers, but bogleheads.org has several posts about Form 1116...
by livesoft
Wed Jul 18, 2018 7:37 am
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 58
Views: 2900

Re: How do you handle the urge to DO something?

I go off the grid and backpack in the wilderness for days at a time. When I come back, I discover that nothing has happened.
by livesoft
Wed Jul 18, 2018 7:35 am
Forum: Investing - Theory, News & General
Topic: International Stocks in Taxable?
Replies: 14
Views: 849

Re: International Stocks in Taxable?

Just checked looks like I make about 5k/yr (dividends) on international in my taxable account At $5K dividends, then I suspect you would have paid less than $600 in foreign taxes, but you can check your 1099-DIV(s) and see what you did pay. And check your 2017 tax return to see that you did get a c...
by livesoft
Wed Jul 18, 2018 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Received IRS notice CP 2000 asking more tax. Need help.
Replies: 18
Views: 1465

Re: Received IRS notice CP 2000 asking more tax. Need help.

I can see that the IRS has programmed its algorithms so that any living expenses for a student of more than $15,000 a year would create a need for a special explanation and the easiest way to get that explanation is to send a CP2000 to the taxpayer. Probably only 3 tax returns nationally every year ...
by livesoft
Wed Jul 18, 2018 7:00 am
Forum: Investing - Help with Personal Investments
Topic: short-term treasuries for short-term savings?
Replies: 9
Views: 516

Re: short-term treasuries for short-term savings?

I did the experiment of buying short-term Treasuries, specifically a 3-month T-bill. There is nothing wrong with that, but it would be slightly more complicated than buying Vanguard Prime Money Market or a T-bill ETF. My point is that there is nothing magic about short-term Treasuries and there are ...
by livesoft
Wed Jul 18, 2018 6:54 am
Forum: Investing - Theory, News & General
Topic: Decrease International Growth Fund Admiral and buy Total International Stock Index Adm
Replies: 10
Views: 813

Re: Decrease International Growth Fund Admiral and buy Total International Stock Index Adm

Exactly. How do you know if you are being influenced by "confirmation bias"? Wouldn't you want to sell high, then buy low? OTOH, I haven't looked at how the other funds you mentioned have performed. I suppose that if you look at the combined performance of all of those international funds together ...
by livesoft
Wed Jul 18, 2018 6:43 am
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 58
Views: 2599

Re: 35 minute connection for flight, long enough?

I just flew through Denver with a short connection, but not 35 minutes short. My arriving flight landed 20 minutes early, so I had no problems. In Denver with United, one may need to use the shuttle train to switch concourses, too. But the week before, I had an 80 minute layover in San Francisco and...
by livesoft
Wed Jul 18, 2018 6:38 am
Forum: Investing - Theory, News & General
Topic: Backdoor Roth questions. ??
Replies: 10
Views: 651

Re: Backdoor Roth questions. ??

Is "acct" 'account' or 'accountant'? If "he" is 'accountant', then I suggest you talk to him. In your situation, I would be able to backdoor Roth and do Roth conversions, but you are not me.
by livesoft
Wed Jul 18, 2018 6:37 am
Forum: Investing - Theory, News & General
Topic: International Stocks in Taxable?
Replies: 14
Views: 849

Re: International Stocks in Taxable?

So what complexity did VTIAX add to your 2017 tax return?
by livesoft
Tue Jul 17, 2018 7:45 pm
Forum: Investing - Theory, News & General
Topic: Rebalance into international?
Replies: 7
Views: 872

Re: Rebalance into international?

If one is underweight in an asset class according to their asset allocation plan, then one should direct new contributions and dividends into the underweighted asset class. If one uses "bands" to decide when to rebalance, then one should check their bands. If one uses date to rebalance, then one sho...
by livesoft
Tue Jul 17, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Received a ESOP payout...what to do with it?
Replies: 7
Views: 726

Re: Received a ESOP payout...what to do with it?

You have an asset allocation plan, so just follow it. I don't see what the big deal is.
by livesoft
Tue Jul 17, 2018 6:16 pm
Forum: Investing - Theory, News & General
Topic: Backdoor Roth questions. ??
Replies: 10
Views: 651

Re: Backdoor Roth questions. ??

You didn't mention the Form 8606 that you have been filing every year that you made non-deductible traditional IRA contributions. Since you have been doing that, I think you got this down and are practically a pro at all this. Am I right?
by livesoft
Tue Jul 17, 2018 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Quick question on taxable account in early retirement
Replies: 9
Views: 976

Re: Quick question on taxable account in early retirement

As noted, the dividends from a taxable account will appear as income on Form 1040 via Schedule B, just like interest appears on Form 1040 via Schedule B. It is true that if you sell shares in a taxable account, the return of capital (cost basis) is not reported as income, but the net capital gains/l...
by livesoft
Tue Jul 17, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: How do I find information on home security cameras that came with the house?
Replies: 10
Views: 563

Re: How do I find information on home security cameras that came with the house?

No reason to bother running fake wires all the way to the basement. So I expect the camera is real. Could be true, but the wires could have been run before the cameras were purchased, then to save money, fake cameras were put in. I only write this because of the OP's statement about the builder's a...
by livesoft
Tue Jul 17, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: suit shoe combo?
Replies: 28
Views: 1143

Re: suit shoe combo?

No one will care what shoes you wear. But maybe when/if the wedding takes place if the groom and groomsmen are wearing red sneakers, then you will know you had an influence.
by livesoft
Tue Jul 17, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: How do I find information on home security cameras that came with the house?
Replies: 10
Views: 563

Re: How do I find information on home security cameras that came with the house?

They could be fake cameras to ward off folks.
https://www.google.com/search?q=fake+ou ... or+cameras

The builder could be clever to put in fake wires, too.
by livesoft
Tue Jul 17, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: suit shoe combo?
Replies: 28
Views: 1143

Re: suit shoe combo?

I hope you didn't pay $100 for a $20 pair of shoes.
by livesoft
Tue Jul 17, 2018 3:41 pm
Forum: Investing - Theory, News & General
Topic: Fund price questions
Replies: 3
Views: 249

Re: Fund price questions

It wouldn't hurt to contact your 401(k) people and ask them about this. You will probably find that the expense ratio of your version of the fund is different from what you think.
by livesoft
Tue Jul 17, 2018 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest 100000?
Replies: 36
Views: 2357

Re: When to invest 100000?

If you are 100% sure there is a crash of 35%-50% from these levels, then you should sell short VTI. Somehow if push comes to shove, I just don't think you are 100% sure and so you won't do this. But I am willing to be proved wrong. But if you are 100% sure there is a crash of 35%-50% from some unkno...
by livesoft
Tue Jul 17, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Know Your Investor Personality
Replies: 26
Views: 2396

Re: Larry Swedroe: Know Your Investor Personality

To put a positive spin on this missive from Swedroe, I think he should write about the "perfect" investor in each category and how that investor behaves and avoids the biases Swedroe listed. :twisted:
by livesoft
Tue Jul 17, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Need Help Evaluating HVAC Needs and Quotes
Replies: 16
Views: 1045

Re: Need Help Evaluating HVAC Needs and Quotes

Get two more quotes.