Search found 57929 matches

by livesoft
Mon Jan 15, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Predict round number for a major index? Who cares? Predict Livesoft 60,000 instead.
Replies: 3
Views: 376

Re: Predict round number for a major index? Who cares? Predict Livesoft 60,000 instead.

I can manipulate my posts and even make my post count go down, so it would all be rigged. Don't do this.
by livesoft
Mon Jan 15, 2018 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Should we use ROTH & HSA funds for VSS/VEU - How often do you change your asset allocation?
Replies: 3
Views: 211

Re: Should we use ROTH & HSA funds for VSS/VEU - Rebalancing - Asset Allocation

If you are using TDAmeritrade for VSS, may I suggest using DLS instead? And maybe add DGS to that? They should be on the no-commission list. But I guess you are not, so nevermind. I cannot tell what's really going on. It seems you are going to convert tIRAs to Roths this month, but you are not going...
by livesoft
Mon Jan 15, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: Advice On A Tour From Port Canaveral To Kennedy Space Center
Replies: 12
Views: 514

Re: Advice On A Tour From Port Canaveral To Kennedy Space Center

My brother wrote software for the space shuttle, so he arranged a VIP tour of KSC when Mom took us all on a cruise. I don't think our particular VIP tour was anything special, but we didn't have to do anything except just show up which was nice. Atlantis was visible pre-launch.
by livesoft
Mon Jan 15, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Paying for college
Replies: 11
Views: 660

Re: Paying for college

Dig deeper by reading Pub 970. I think paying for college with UTMA would also qualify for tax credits, but they would go on daughter's tax return which could be good or bad. I don't know about trusts and trust tax returns nor how credits would work on that. I would try to get the mostest credits wh...
by livesoft
Mon Jan 15, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Paying for college
Replies: 11
Views: 660

Re: Paying for college

Not quite. I would find out who (you or student) can get the tax credits and how.
by livesoft
Mon Jan 15, 2018 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Fired my VPA, Portfolio Critique
Replies: 11
Views: 769

Re: Fired my VPA, Portfolio Critique

I suggest the traditional TSP to save you 25% on taxes because in early retirement or regular retirement it is very unlikely that your tax rate will be that high. The tax savings now are a better deal. You already got a Roth and taxable account going, too, so I think it is even more likely that you ...
by livesoft
Mon Jan 15, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Paying for college
Replies: 11
Views: 660

Re: Paying for college

You just said grad school is probably in the works. Also, unless she graduates early you will have 5 tax years of undergraduate to work with. $140K of 529 and UGMA will easily pay for 4 years of $40K per school year. I suggest you explore if the Trust money can be used to get education tax credits f...
by livesoft
Mon Jan 15, 2018 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Jumping in when the market is high
Replies: 24
Views: 1526

Re: Portfolio Advice - Jumping in when the market is high

I think those articles are not what people really do. You can select the Target Date fund that matches the allocation that you want. In tax-advantaged accounts, you can switch at any time without tax consequences. You will probably change your mind several times over the course of your investing lif...
by livesoft
Mon Jan 15, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Paying for college
Replies: 11
Views: 660

Re: Paying for college

College is about $40,000/year. 529 plan has $70,000; UGMA has $70,000; trust has $140,000.I also see graduate school in her future. Then why are the 529 and UTMA invested so totally conservatively? It seems that your daughter will be paying herself more than half her support and she will not be you...
by livesoft
Mon Jan 15, 2018 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Fired my VPA, Portfolio Critique
Replies: 11
Views: 769

Re: Fired my VPA, Portfolio Critique

I would not pay off a home loan with 2.8% interest rate and would try to max my traditional 401(k) instead.

I don't see how anyone can say the L2050 fund is extremely conservative.

https://www.tsp.gov/InvestmentFunds/Fun ... L2050.html
by livesoft
Mon Jan 15, 2018 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Jumping in when the market is high
Replies: 24
Views: 1526

Re: Portfolio Advice - Jumping in when the market is high

Interesting thought. Do you think that manged target/retirement funds under-perform compared to self-allocated portfolios (i.e. a mix of index funds)? No, I don't think so. I keep track of this for myself. I think most people actually underperform the Target Retirement funds with the same asset all...
by livesoft
Mon Jan 15, 2018 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Jumping in when the market is high
Replies: 24
Views: 1526

Re: Portfolio Advice - Jumping in when the market is high

Do you have a Vanguard fund that you'd recommend if I pursue the single fund in each Roth? What are your thoughts about TSP funds? Some swear by C, S, I. Others re-balance via L-funds. Some give weight to F and G funds. Without a significant taxable account, I don't see why you do not invest in a T...
by livesoft
Mon Jan 15, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Fired my VPA, Portfolio Critique
Replies: 11
Views: 769

Re: Fired my VPA, Portfolio Critique

In the 25% bracket, I would not contribute to the Roth TSP, but would contribute to the traditional TSP. You can use the tax savings to pay off house faster or for something else.
by livesoft
Mon Jan 15, 2018 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Paying for college
Replies: 11
Views: 660

Re: Paying for college

Have you read IRS Publication 970 which discusses all the tax benefits for higher education? There are some very important credits that one can get. https://www.irs.gov/pub/irs-pdf/p970.pdf Are you all eligible for the American Opportunity Tax Credit? If so, then I would recommend paying at least $4...
by livesoft
Mon Jan 15, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: Monthly reports from Madsinger
Replies: 2
Views: 253

Re: Monthly reports from Madsinger

I haven't seen it either and was wondering as well.
by livesoft
Mon Jan 15, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: [Should I do a Roth conversion?]
Replies: 8
Views: 671

Re: [Should I do a Roth conversion?]

I am doing Roth conversions. There is no need to convert all tax-deferred assets to a Roth. That's partly because if your withdrawals from tax-deferred are less than your deductions on your tax return, then they can be considered tax-free. I can pay the taxes on my Roth conversions from money that i...
by livesoft
Mon Jan 15, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Fired my VPA, Portfolio Critique
Replies: 11
Views: 769

Re: Fired my VPA, Portfolio Critique

I don't know your marginal income tax bracket and the rest of your tax situation, but I would consider

Do not use the Roth TSP, but use the Traditional TSP. Use the tax savings to increase your TSP contribution. And put your bond allocation into the Traditional TSP and not in your Roth IRA.
by livesoft
Mon Jan 15, 2018 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Questions about leaving your broker
Replies: 9
Views: 842

Re: Questions about leaving your broker

You are thinking right. Good luck!
by livesoft
Mon Jan 15, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie question on asset allocation: tax efficiency and various accounts
Replies: 5
Views: 303

Re: Newbie question on asset allocation: tax efficiency and various accounts

In Tables 11.2 and 11.3 on Page 141 (didn't find a way to post the picture, sorry :(), the authors were trying to make a point that stocks should be placed in taxable accounts while bonds in tax-deferred accounts. In case there was a misconception, stocks can be placed in tax-deferred accounts, too...
by livesoft
Mon Jan 15, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Questions about salary expectations/negotations
Replies: 12
Views: 1094

Re: Questions about salary expectations/negotations

I think that assistant professor salaries at many public universities are published since they are often in state budgets. I would have thought that an assistant professor in psychology would start around $40K a year, but I didn't look. $100K for a PhD in cognitive psychology with post-doctoral expe...
by livesoft
Mon Jan 15, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: W2 Vs Last Pay Stub
Replies: 4
Views: 694

Re: W2 Vs Last Pay Stub

wfrobinette wrote:
Mon Jan 15, 2018 3:04 pm
I don't like putting place holders in the tax software. It leaves you open to errors by forgetting to go back and change something that is marked complete.
That is so true. That''s why I have a separate file (tax return) saved as "2017Estimate" and my real tax return in another file.
by livesoft
Mon Jan 15, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on managing healthcare costs
Replies: 21
Views: 763

Re: Advice on managing healthcare costs

Ah, that makes sense. So I am likely going to head to my bank today and open up an HSA. That will be interesting. No additional research by you on HSAs? Are you even eligible? Does your bank even offer such a thing? My impression is that most banks do not. Have you read this IRS Publication yet? ht...
by livesoft
Mon Jan 15, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: TSA locks for luggage
Replies: 17
Views: 974

Re: TSA locks for luggage

I only take things that I would like to be stolen in checked luggage. But why take checked luggage anyways?
by livesoft
Mon Jan 15, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on managing healthcare costs
Replies: 21
Views: 763

Re: Advice on managing healthcare costs

My spouse's employer does NOT contribute to the FlexPlan. She has to contribute her own money to it. But if your employer does not offer a plan, then there is nothing you can do short of switching employer or getting many employees to get the employer to change.
by livesoft
Mon Jan 15, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: PTO policy after international business travel
Replies: 40
Views: 1870

Re: PTO policy after international business travel

Yes, it is unreasonable. Sorry, but you have to negotiate well before before you accept a job. I imagine you can take unpaid time-off sometimes. It is probably not common, but I start my time zone change more than 24 hours before leaving. I change my sleep and my eating habits, so that I can hit the...
by livesoft
Mon Jan 15, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: W2 Vs Last Pay Stub
Replies: 4
Views: 694

Re: W2 Vs Last Pay Stub

If you understand the last paystub and the W-2, then yes, the last paystub can be used for estimates and will probably be correct. You should take your 2016 last paystub and compare to your 2016 W-2 and see what I mean. Also, one should ALWAYS compare the two because there are often mistakes on one ...
by livesoft
Mon Jan 15, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Advice on managing healthcare costs
Replies: 21
Views: 763

Re: Advice on managing healthcare costs

Is it typical that folks with high-deductible health plans have an associated Health Savings Account that allows them to try to pre-save many years of their potential high deductibles in a tax-free way? Did/do you have an HSA? My spouse has a FlexPlan at work, too. One sets the amount to contribute ...
by livesoft
Mon Jan 15, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: why emergency savings?
Replies: 23
Views: 1400

Re: why emergency savings?

Anyways, I haven't had an emergency fund nor any cash around for years and years.

And the settlement times for non-mutual funds have changed from T+3 to T+2, so one can get money a day earlier than in the past.
by livesoft
Mon Jan 15, 2018 11:15 am
Forum: Investing - Theory, News & General
Topic: Electronic delivery of forms
Replies: 6
Views: 309

Re: Electronic delivery of forms

Both TDAmeritrade and WellsFargo accept attachments to their internal messaging system used by clients to send them completed forms.
by livesoft
Mon Jan 15, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: why emergency savings?
Replies: 23
Views: 1400

Re: why emergency savings?

I didn't read the link the same as you. It has:
Tax-advantaged account, such as 401(k)
$5,000 stock funds
$5,000 bond fund
by livesoft
Mon Jan 15, 2018 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Is Fidelity's FFNOX OK for taxable?
Replies: 3
Views: 239

Re: Is Fidelity's FFNOX OK for taxable?

I would not use such a fund of funds nor any other balanced fund in a taxable account unless one expects to replace it with something more tax efficient in a year or two. For instance, I have given my child money to invest (so I avoid cap gains taxes), but I expect him to sell later this year and pu...
by livesoft
Mon Jan 15, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Where do you get your auto loans?
Replies: 14
Views: 645

Re: Where do you get your auto loans?

We have gotten 0% loans from Ford Credit and Toyota Financial. This is after negotiating without asking for credit and offering to pay cash.
by livesoft
Mon Jan 15, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: why emergency savings?
Replies: 23
Views: 1400

Re: why emergency savings?

You are very late to the party.

See: https://www.bogleheads.org/wiki/Placing ... ed_account
by livesoft
Mon Jan 15, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Understanding the Great Recession Impact
Replies: 34
Views: 2082

Re: Understanding the Great Recession Impact

I take the $250,000 and $200,000 starting numbers for this couple's investments with a huge grain of salt. I don't see any evidence of fact-checking by the book author.

But the story is actually quite inspirational and uplifting to me. One can apparently lose it all and still continue on with life.
by livesoft
Mon Jan 15, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Questions about leaving your broker
Replies: 9
Views: 842

Re: Questions about leaving your broker

If this is a taxable account with overall net losses, then there should be no taxes from realizing all gains and losses because the net would be a loss. You stated the net was probably a -3% loss. You stated the account was also small. So -3% is small and thus small out of small is very small. This ...
by livesoft
Mon Jan 15, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: “Better Buy” Total US or International ?
Replies: 25
Views: 2096

Re: “Better Buy” Total US or International ?

There is absolutely no way that anyone can tell you which is a better buy right now. Besides, it will depend on when you take the money out. So whichever one you buy, you can be certain that it will have been the better buy in the future as long as you only remove money when it has proven to have be...
by livesoft
Mon Jan 15, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Understanding the Great Recession Impact
Replies: 34
Views: 2082

Re: Understanding the Great Recession Impact

Nomadic living has been around for thousands of years.
by livesoft
Mon Jan 15, 2018 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Jumping in when the market is high
Replies: 24
Views: 1526

Re: Portfolio Advice - Jumping in when the market is high

1. Ditch Wealthfront like many people on this forum already have. It is just eye candy and don't get trapped in it.

2. Use only a single fund in each Roth IRA for now.

3. Use the TSP for all rebalancing and adjusting of asset allocation.
by livesoft
Mon Jan 15, 2018 6:54 am
Forum: Investing - Help with Personal Investments
Topic: Best way to sell ETF in one account, buy it in another
Replies: 6
Views: 633

Re: Best way to sell ETF in one account, buy it in another

Just place market orders for regular hours while the market is closed. Both orders will execute at the next opening cross for the exact same price. There will not be any spread at the opening cross, by definition. This is convenient and described in the Case study Broker trade executions thread. I c...
by livesoft
Sun Jan 14, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 85
Views: 6978

Re: What is the best home exercise equipment?

blevine wrote:
Sun Jan 14, 2018 7:24 pm
Stairs are by far the best workout with least wear and tear.
I've added carrying two 20 lb dumbbells up and down the stairs in my house during my morning oatmeal routine. 5 sets of 5 times which I guess is close to walking up 25 stories and back down. I'm rehabbing my ankle after surgery.
by livesoft
Sun Jan 14, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 59
Views: 3200

Re: Are land line phones still being supported?

Is the phone dead or the line dead? Our line is still supported by a local telecommunications company (not AT&T), but we support our phone ourselves.
by livesoft
Sun Jan 14, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 61
Views: 3611

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

CppCoder wrote:
Sun Jan 14, 2018 8:25 pm
I'm guessing you were not a member of the chevra kadisha in this job.
That is correct. Thanks.
by livesoft
Sun Jan 14, 2018 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 61
Views: 3611

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

Good Listener wrote:
Sun Jan 14, 2018 7:15 pm
What about you get arrested for some horrendous charge, valid or not, and the judge imposes big time bail?
Free meals and a bed for a little while. I don't have experience, but it seems to me that there are worse places to be than a jail cell.
by livesoft
Sun Jan 14, 2018 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Does wash sale rule apply to money market fund (VFMXX)?
Replies: 5
Views: 398

Re: Does wash sale rule apply to money market fund (VFMXX)?

No wash sale is possible unless you sold something in a taxable account for a capital loss. I'll just ask this question and let you answer: Did you sell something for a capital loss in a taxable account?
by livesoft
Sun Jan 14, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 61
Views: 3611

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

I had a situation where the direct deposit of my pay check was bounced by the bank. .... In a similar vein, we had a deposit to our Bank of America checking accidentally booked as a withdrawal by the teller that I handed the deposited check personally to. I got a receipt that it was a deposit, but ...
by livesoft
Sun Jan 14, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 61
Views: 3611

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

Funeral expenses could not wait for next business day or the day after? I've never participated in such a quick funeral and I used to clean up the fresh dead as one of my jobs. I wrecked my car once. Did not have collision insurance. Needed cash quick to buy replacement vehicle. Rental car would wor...
by livesoft
Sun Jan 14, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: How long do you save tax returns?
Replies: 35
Views: 2613

Re: How long do you save tax returns?

Forever. They give a nice historical perspective about once every 3 years of where we have been.
by livesoft
Sun Jan 14, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Investment Advice - ETF vs. Admiral Shares?
Replies: 15
Views: 1123

Re: Taxable Investment Advice - ETF vs. Admiral Shares?

As long as your Vanguard mutual funds are held at Vanguard, then you do not need worry about conversion from Investor to Admiral because there is no selling and repurchase involved. It may not happen automatically in a timely fashion and what someone like me calls easy may not be what someone like y...
by livesoft
Sun Jan 14, 2018 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Unwinding Stocks - Where to Start?
Replies: 21
Views: 1253

Re: Unwinding Stocks - Where to Start?

One more thing:

You can have your broker send you an alert when any of your stocks goes up by say 2.5% or more from the previous close. This would alert you to consider selling that day since that would be an unusual price movement.