Search found 60148 matches

by livesoft
Sat May 26, 2018 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: UTMA Change of Ownership Effect on Compound Interest
Replies: 4
Views: 227

Re: UTMA Change of Ownership Effect on Compound Interest

You ALWAYS owned the account and the assets in it. Your parent was the custodian. There has been no change of ownership. The cost basis of the assets in the account are the same as before. Since the assets were purchased pre-2012 (except for shares purchased with dividends paid since the end of 2011...
by livesoft
Sat May 26, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Please help with grocery budget
Replies: 14
Views: 908

Re: Please help with grocery budget

I cut our grocery bill down somewhat by doing two things. First, I identified inexpensive foods that we like (such as carrots, bananas, tofu, dried beans, and eggs) and planned to eat more of them. Second, I identified one high-leverage item to concentrate on. DH loves Diet Coke (hey, he's 70, this...
by livesoft
Sat May 26, 2018 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Living on Your Investments? What Happens When a Bear Market Hits?
Replies: 16
Views: 1552

Re: Living on Your Investments? What Happens When a Bear Market Hits?

I think this article is a piece of S. The guy cites his past ability to tell clients to sell in November 2007 which gives him instant credibility. BS. No way no how would I have stop loss orders in place. That's totally stupid. One can have alerts sent to their smart phone nowadays which would tell ...
by livesoft
Sat May 26, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: 3 days in Boston with an 8 year old
Replies: 14
Views: 490

Re: 3 days in Boston with an 8 year old

For adults: Boston Museum of Fine Arts. Superb. At least one adult should go there. :)
by livesoft
Sat May 26, 2018 7:46 pm
Forum: Personal Consumer Issues
Topic: 3 days in Boston with an 8 year old
Replies: 14
Views: 490

Re: 3 days in Boston with an 8 year old

At least check out Boston City / Go Pass for ideas. I won't list them here.

I don't think you should do Freedom Trail this time.
by livesoft
Sat May 26, 2018 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-loss selling before (or after?) receiving dividend
Replies: 3
Views: 332

Re: Tax-loss selling before (or after?) receiving dividend

No, it doesn't make any sense. Sell before getting the dividend to avoid adding income to your tax return in the first place.

You could create two trial or pretend tax returns right now doing it both ways and see that one way is definitely better.
by livesoft
Sat May 26, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Recommendation
Replies: 6
Views: 420

Re: Bond Recommendation

Skip the bonds in your taxable account and use a bond fund in your 401(k) even if you have to ditch the target date fund.
by livesoft
Sat May 26, 2018 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Recommendation
Replies: 6
Views: 420

Re: Bond Recommendation

It is a no brainer to NOT use VBMFX/VBTLX/BND/AGG/SPAB/FSITX/FBIDX and any other total US bond market index fund in your situation in a taxable account.
by livesoft
Sat May 26, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Please help with grocery budget
Replies: 14
Views: 908

Re: Please help with grocery budget

How much food do you throw out because it spoils or you don't eat it or you don't eat leftovers? At $1300 a month, you could eat oatmeal every morning for breakfast and then buy a sofritas bowl at Chipotle for $8-$9 and split it: half for lunch and half for dinner and still come out ahead. Post pict...
by livesoft
Sat May 26, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Leave career (fortune 200) and join the peace corps?
Replies: 16
Views: 1666

Re: Leave career (fortune 200) and join the peace corps?

Nice post.

But you don't need no stinkin' feedback. You got it going. Good luck!
by livesoft
Sat May 26, 2018 2:26 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 187
Views: 13804

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

The markets have essentially returned 0% since January 1, 2018. Total US Stock Market index fund is up 3% year-to-date which is absolutely not "essentially returned 0% since January 1, 2018." MTUM (iShares Edge MSCI USA Momentum Factor ETF) is actually up 8% year-to-date. Put that in your pipe and ...
by livesoft
Sat May 26, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: Brick pavers on the edge of my porch are already falling off
Replies: 31
Views: 1930

Re: Brick pavers on the edge of my porch are already falling off

I'm wondering why the darn things have to float. Put something under all of them, so that they don't float. It looks like the lack of something was a shortcut to avoid spending time and money.
by livesoft
Sat May 26, 2018 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Small mid value ETF instead of VXF
Replies: 12
Views: 682

Re: Small mid value ETF instead of VXF

DebiT wrote:
Sat May 26, 2018 12:23 pm
Thanks, livesoft. What I’m wondering is if there are any that combine small and medium value
Your research will show you that VBR does. Indeed almost every small-cap fund has mid-caps, too.
by livesoft
Sat May 26, 2018 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Small mid value ETF instead of VXF
Replies: 12
Views: 682

Re: Small mid value ETF instead of VXF

I think the typical small-cap value recommendations are IJS, VIOV, and VBR. Names are small-cap value index funds. :twisted: I think the actual reality is that there is not much difference among them. Just pick a fund that has "index", "small", and "value" in its name and a low expense ratio. And pi...
by livesoft
Sat May 26, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing Slice-'N-Dice Equities: Isn’t That Buying Low & Selling High?
Replies: 6
Views: 342

Re: Rebalancing Slice-'N-Dice Equities: Isn’t That Buying Low & Selling High?

Another mental trap is believing that just because somebody such as William Bernstein wrote something that it must be true. Authors can mix in true statements with not true statements, too. I'll put this in this thread: If one had perfect hindsight, what were the best days to rebalance in the past 3...
by livesoft
Sat May 26, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 23
Views: 2203

Re: Help Buying Mens Shoes for Work and Dating

My millennials and their friends wear flip-flops when dating, but there is usually an odd person wearing running/tennis/court shoes, too.
by livesoft
Sat May 26, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: Rebalancing Slice-'N-Dice Equities: Isn’t That Buying Low & Selling High?
Replies: 6
Views: 342

Re: Rebalancing Slice-'N-Dice Equities: Isn’t That Buying Low & Selling High?

One might do some rebalancing in the fixed income space, too. Say between Total US Bond Market Index and 1-3 month T-bills. :)

Or between CDs and bonds. Or between money market fund (cash) and bonds.

Just don't call it market timing around here when you make money.
by livesoft
Fri May 25, 2018 9:49 pm
Forum: Personal Consumer Issues
Topic: Reducing mosquitos by pool
Replies: 8
Views: 893

Re: Reducing mosquitos by pool

I sell dunks that look like a tiny donut that you toss in. Basically what they do is break up the surface tension of the water so the larvae drown since they breathe out their rectum, floating at the surface, while maturing. Your local hardware or farm and home store should have them. Mosquito dunk...
by livesoft
Fri May 25, 2018 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Branch Offices
Replies: 6
Views: 552

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: 40
Views: 3754

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: 9
Views: 683

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: 40
Views: 3754

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: 11
Views: 1211

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: 187
Views: 13804

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: 40
Views: 3754

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: 40
Views: 3754

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: 9
Views: 683

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: 187
Views: 13804

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: 12
Views: 938

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: 8931

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: 2419

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: 535

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: 3461

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: 1077

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: 187
Views: 13804

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: 187
Views: 13804

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: 1237

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: 8931

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: 71
Views: 4952

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: 71
Views: 4952

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: 1237

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: 8931

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: 187

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: 334

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: 334

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: 9913

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: 40
Views: 3754

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: 616

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: 746

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: 71
Views: 4952

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.