Search found 56865 matches

by livesoft
Mon Dec 11, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Kerosene Heater (for power-out emergencies)
Replies: 16
Views: 536

Re: Kerosene Heater (for power-out emergencies)

iamlucky13 wrote:
Mon Dec 11, 2017 1:14 pm
..., and plug the fridge in to keep your food good if the outage turns out to be long.
:) We always just put our food out on the balcony to keep it cold.

That's another benefit of snow camping: Frozen steaks can keep all week in your pack.
by livesoft
Mon Dec 11, 2017 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover options
Replies: 14
Views: 372

Re: Rollover options

If you need an allocation to bond funds, then I think it is better to have it in a tax-deferred account than in a Roth IRA or taxable account. So if your rollover IRA is a tax-deferred account, then putting your bond fund allocation in there is a good idea.
by livesoft
Mon Dec 11, 2017 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: No transaction fee for Vanguard ETFs?
Replies: 20
Views: 962

Re: No transaction fee for Vanguard ETFs?

. On a $3,000 investment saving 0.10% in expense ratio amounts to just $3 per year. This makes me wonder why Vanguard even bothers having the "investor" share class. They should have only the Admiral share class for everybody because of the all the costs to run 2 different share classes (more web p...
by livesoft
Mon Dec 11, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Work bonus Tax question
Replies: 5
Views: 157

Re: Work bonus Tax question

I am not sure what you mean by "taxed" because there can be many things withheld from a paycheck. For instance, my spouse's bonus checks has 401(k) contributions withheld along with FICA, medicare, and income taxes. Since her normal 401(k) contribution is usually more than the bonus check, sometimes...
by livesoft
Mon Dec 11, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: ? about work bonuses.
Replies: 6
Views: 409

Re: ? about work bonuses.

Of course the owner doesn't see it as an issue since they are paying 9% when they promised 10%.
by livesoft
Mon Dec 11, 2017 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: How much international before exceeding $300 foreign tax credit
Replies: 6
Views: 322

Re: How much international before exceeding $300 foreign tax credit

There is not much problem exceeding the $300 FTC for a single person. It just means that the taxpayer has to fill out Form 1116 to claim the credit. With all the tax help one gets here on bogleheads.org, that isn't a problem anymore.
by livesoft
Mon Dec 11, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: How much international before exceeding $300 foreign tax credit
Replies: 6
Views: 322

Re: How much international before exceeding $300 foreign tax credit

This can be calculated from information available on vanguard.com for the 2016 tax year, but not for the 2017 tax year yet.
by livesoft
Mon Dec 11, 2017 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover options
Replies: 14
Views: 372

Re: Rollover options

There is no problem with having the same fund in multiple accounts. TSM in every account is fine. Why not some small cap Index since the TSM is weighted more heavily large cap? I overweight small-caps and value, so I don't think there is anything wrong with that. But I will say that if you have to ...
by livesoft
Mon Dec 11, 2017 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: No transaction fee for Vanguard ETFs?
Replies: 20
Views: 962

Re: No transaction fee for Vanguard ETFs?

Is there a known example of someone actually managing to buy VTI, or indeed any heavily affected ETF, during the flash crash? And were they allowed to keep their profits or were those transactions unwound along with the others? livesoft reported on this previously: https://www.bogleheads.org/forum/...
by livesoft
Mon Dec 11, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover options
Replies: 14
Views: 372

Re: Rollover options

There is no problem with having the same fund in multiple accounts. TSM in every account is fine.
by livesoft
Mon Dec 11, 2017 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: No transaction fee for Vanguard ETFs?
Replies: 20
Views: 962

Re: No transaction fee for Vanguard ETFs?

The takeaway is to take opportunities when they appear and to buy ETFs when there is a flash crash. :twisted: So I think the chart posted by nisiprius is a very strong reason to use ETFs.
by livesoft
Mon Dec 11, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-Efficient Fund Placement
Replies: 2
Views: 200

Re: Tax-Efficient Fund Placement

I can fix this by moving existing funds in my TSP to the G bond fund (essentially VBMFX). However, this will eventually cause my TSP account to have a huge proportion in bonds. Is this ideal? Should I have all stocks in taxable and mostly/all bonds in tax-advantaged? I worry that I might be missing...
by livesoft
Mon Dec 11, 2017 1:15 pm
Forum: Investing - Theory, News & General
Topic: What mix of intermediate and short term bonds?
Replies: 45
Views: 2148

Re: What mix of intermediate and short term bonds?

That experience gave me the courage to do what I wanted to with bonds. That's because any bad consequences could be overcome by waiting, but good consequences made me feel good. Is good is a higher current portfolio value or a higher yield, indicating a higher future portfolio value? Good is avoidi...
by livesoft
Mon Dec 11, 2017 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover options
Replies: 14
Views: 372

Re: Rollover options

I didn't know you could move Roth to a traditional IRA. Hasn't that money already been taxed tho? You wouldn't move money from your Roth to a traditional IRA. You would exchange the bond fund in the Roth IRA into a Total Stock Market index fund instead. The money in the Roth IRA stays in the Roth I...
by livesoft
Mon Dec 11, 2017 1:08 pm
Forum: Investing - Theory, News & General
Topic: Small cap value vs. total market?
Replies: 10
Views: 649

Re: Small cap value vs. total market?

I tilt to SCV and keep only 45% to 50% of my equities in large-caps. Here's what I think: SCV is not for the buy-and-hold person. One has to rebalance into SCV when it is doing terrible and out of SCV when it has done great. The swings of SCV are much more than the swings of a total market index fun...
by livesoft
Mon Dec 11, 2017 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Rollover options
Replies: 14
Views: 372

Re: Rollover options

So use the 3-fund portfolio with your rollover.

Move total bond from your Roth IRA to your rollover (traditional) IRA. Put some equities in your Roth.
by livesoft
Mon Dec 11, 2017 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Rollover options
Replies: 14
Views: 372

Re: Rollover options

Do you hate the 3-fund portfolio now?
by livesoft
Mon Dec 11, 2017 11:01 am
Forum: Investing - Theory, News & General
Topic: What mix of intermediate and short term bonds?
Replies: 45
Views: 2148

Re: What mix of intermediate and short term bonds?

Well, as long as we are dredging up old posts, here another "short-term bond?" thread where I shifted from BIV to VCSH before the 4.5% drop in BIV over the next few months: https://www.bogleheads.org/forum/viewtopic.php?p=1638192#p1638192 But intermediate-term bonds caught back up to short-term bond...
by livesoft
Mon Dec 11, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Where might be car security system "secret" button?
Replies: 7
Views: 600

Re: Where might be car security system "secret" button?

My spouse had 1995 Camry with an after-market kill switch installed by the dealer. One day about 8 years into ownership she accidentally activated it and killed the car. I towed the car home and after awhile figured it out. The kill switch was under the parking brake pedal on the floor under the mat...
by livesoft
Mon Dec 11, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: When asset prices are not driven by earnings growth. Correction? Dip?
Replies: 6
Views: 374

Re: When asset prices are not driven by earnings growth. Correction? Dip?

I didn't get very far clicking on the link because of all the pop-ups. I suggest that no one else bother clicking there. Your post though reminded me of an old Warren Buffett quote "In the short term the market is a popularity contest; in the long term it is a weighing machine." The quote succinctly...
by livesoft
Mon Dec 11, 2017 10:18 am
Forum: Investing - Theory, News & General
Topic: What mix of intermediate and short term bonds?
Replies: 45
Views: 2148

Re: What mix of intermediate and short term bonds?

This will be a great thread to revisit in 3 years or so. Thanks for starting it! :)
by livesoft
Mon Dec 11, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Kerosene Heater (for power-out emergencies)
Replies: 16
Views: 536

Re: Kerosene Heater (for power-out emergencies)

I have not used a kerosene heater. But I have survived without heat for long periods of time. The link you gave has some good tips. We just replaced a a non-working furnace in our house. This was the 3rd winter that we were going to not have heat from that furnace. I have been snow camping many time...
by livesoft
Mon Dec 11, 2017 6:21 am
Forum: Investing - Help with Personal Investments
Topic: When to invest in a bull market
Replies: 15
Views: 1424

Re: When to invest in a bull market

One can already calculate how much dividend income one will receive for the December distribution of most Vanguard funds including the S&P500 index fund. So if one bought $100,000 of a selected fund, one can calculate the tax hit. With all the news coming out this week, the fund might go up way more...
by livesoft
Mon Dec 11, 2017 5:19 am
Forum: Investing - Theory, News & General
Topic: So... how do I need to "further" my investing knowledge?
Replies: 6
Views: 519

Re: So... how do I need to "further" my investing knowledge?

How is your tax knowledge? Do you understand what you can do now to minimize your taxes in 5, 15, 36 years?
by livesoft
Mon Dec 11, 2017 5:11 am
Forum: Investing - Theory, News & General
Topic: Do ETFs have the same issue as mutual funds at year end (distributions)?
Replies: 3
Views: 501

Re: Do ETFs have the same issue as mutual funds at year end (distributions)?

Yes, they have the same issue. Vanguard ETFs will pay dividends and capital gains distributions just like Vanguard mutual funds. One can look at the historical record and see this.
by livesoft
Mon Dec 11, 2017 5:05 am
Forum: Investing - Help with Personal Investments
Topic: 100k small business income. How much can I put in solo 401k?
Replies: 3
Views: 448

Re: 100k small business income. How much can I put in solo 401k?

Google is your friend. Try "solo 401(k) contribution calculator" There are many places that offer a solo 401(k). I use TDAmeritrade. Fidelity, Vanguard, Schwab are major vendors for them. In general, the Bogleheads.org wiki is a good place to look for any answers to questions first: https://www.bogl...
by livesoft
Mon Dec 11, 2017 5:05 am
Forum: Investing - Theory, News & General
Topic: VTI-Is this truly the total us stock market?
Replies: 6
Views: 916

Re: VTI-Is this truly the total us stock market?

Many well-regarded lazy portfolios overweight small-caps, so VTI does not match many lazy portfolios. It matches the Total US Stock Market index.
by livesoft
Mon Dec 11, 2017 5:03 am
Forum: Personal Consumer Issues
Topic: How easy is it to minimize tax liability yourself without a CPA/accountant?
Replies: 15
Views: 1187

Re: How easy is it to minimize tax liability yourself without a CPA/accountant?

I think it is reasonably easy, but what is easy for me may not be easy for you. Sometimes a CPA will cost you money by the mistakes they make. You will probably only know if you use a CPA for a while.
by livesoft
Mon Dec 11, 2017 5:02 am
Forum: Investing - Help with Personal Investments
Topic: No transaction fee for Vanguard ETFs?
Replies: 20
Views: 962

Re: No transaction fee for Vanguard ETFs?

See also: https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds Many people have anxiety with ETFs. When they buy, they can almost instantly see if they paid more than someone a few minutes later, so they have regrets; when they sell they can see that they sold for too little a few minutes later. Thi...
by livesoft
Sun Dec 10, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Best Parmesan Cheese for Salad
Replies: 29
Views: 1436

Re: Best Parmesan Cheese for Salad

It reads like you don't want the best parmesan cheese, but you want cheese that tastes like what the restaurant gives you. I'm sure the restaurant can tell you what they use or even sell you a chunk of it every now and then. It might even come from Sysco.
by livesoft
Sun Dec 10, 2017 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend, REITs
Replies: 2
Views: 246

Re: Dividend, REITs

There is no other place to hold any ETF, so I don't quite understand the question. That is, all ETFs are held in brokerage accounts.
by livesoft
Sun Dec 10, 2017 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Minimize Expense Ratios or Bonds in 401(k)?
Replies: 9
Views: 465

Re: Minimize Expense Ratios or Bonds in 401(k)?

We had a similar case. In a previous 401(k), my spouse had a bond fund with an expense ratio of about 2% and a REIT fund with an expense ratio of about 1.7%. The other funds were all higher expense ratio. Note the difference in e.r. of 0.3% is about the same as your difference. We chose the bond fun...
by livesoft
Sun Dec 10, 2017 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice: Total market vs Larry Portfolio
Replies: 35
Views: 2205

Re: Portfolio advice: Total market vs Larry Portfolio

So if I wanted US TSM we would need to mix the three US index funds; and the international portion would be missing small cap. So we're talking about a 5-fund portfolio and a fair amount of rebalancing. :-( From someone with experience in this, you have grossly exaggerated the amount of rebalancing...
by livesoft
Sun Dec 10, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 2250

Re: Do girls wear Ninja Turtle character shoes

My daughter got free shoes as part of her basketball career. My younger son wore her shoes when he grew enough that they would fit him.
by livesoft
Sun Dec 10, 2017 4:55 pm
Forum: Investing - Theory, News & General
Topic: Stocks always in taxable for tax efficient investing?
Replies: 59
Views: 2448

Re: Stocks always in taxable for tax efficient investing?

No, I don't think so. You need to know also: 1. Amount of tax-loss harvesting 2. Tax rates of contributions 3. Tax rates of withdrawals 4. Tax rates of qualified dividend income 5. Tax rates of non-qualified dividend income 6. Foreign tax credit things 7. Roth conversion things 8. RMD things 9. And ...
by livesoft
Sun Dec 10, 2017 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Retire in my early 40s? Crazy or actually doable?
Replies: 57
Views: 6623

Re: Retire in my early 40s? Crazy or actually doable?

I certainly don't think retiring for you is a mistake. It is not even an irreversible decision if you find out it is not for you. One spouse doesn't work in many married couple families and society doesn't say that's a mistake in most instances.
by livesoft
Sun Dec 10, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: detergent without non-recyclable packaging?
Replies: 26
Views: 1201

Re: detergent without non-recyclable packaging?

Markets in China actually sell "bar" laundry detergent. I have some that I use when traveling.
by livesoft
Sun Dec 10, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: detergent without non-recyclable packaging?
Replies: 26
Views: 1201

Re: detergent without non-recyclable packaging?

Plus China has just stopped accepting a lot of it, so it's unclear how long it will be recyclable. And anything I can do to make oil, etc. a less viable industry, so much the better. This sounds like an outstanding business opportunity. Less competition from China for a homegrown plastic recycling ...
by livesoft
Sun Dec 10, 2017 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice: Total market vs Larry Portfolio
Replies: 35
Views: 2205

Re: Portfolio advice: Total market vs Larry Portfolio

Let's just look at this year's performance. The Larry Portfolio of 40/60 compared to Vanguard LifeStrategy Conservative Growth VSCGX of 40/60 have 2017 through November returns of about 8.4% and 10.1%. Can you stomach such a shortfall of 1.7% in such a short time? I know I couldn't. Is that why you...
by livesoft
Sun Dec 10, 2017 3:28 pm
Forum: Investing - Theory, News & General
Topic: Do DFA Funds have lower trading costs than Index Funds?
Replies: 32
Views: 1116

Re: Do DFA Funds have lower trading costs than Index Funds?

nisiprius wrote:
Sun Dec 10, 2017 3:25 pm
... but where are you getting those 5.8% versus 10.9% numbers?
From morningstar.com. The numbers I reported are YTD and not from some ancient past. Your chart makes me want to ask "Dear DFA, what have you done for me lately?"
by livesoft
Sun Dec 10, 2017 3:26 pm
Forum: Investing - Theory, News & General
Topic: Is a Fidelity VISA 2% cashback contribution to a Roth IRA tax-free?
Replies: 14
Views: 1868

Re: Is a Fidelity VISA 2% cashback contribution to a Roth IRA tax-free?

I am looking to do a the same thing and after reading this tread I am still unsure of the answer. If I dump the cashback from all my cards into a Roth IRA do I need to pay taxes on it at any point? The Roth IRA will only contain money from the cards and no other contributions. As long as you have e...
by livesoft
Sun Dec 10, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: google calendar event by unknown
Replies: 5
Views: 328

Re: google calendar event by unknown

Someone clicked accidently on a link in an ad that appeared somehow on your phone.
by livesoft
Sun Dec 10, 2017 3:22 pm
Forum: Investing - Theory, News & General
Topic: Buying index funds is just as speculative as buying Bitcoin
Replies: 64
Views: 3513

Re: Buying index funds is just as speculative as buying Bitcoin

There is no way that my amusement can be considered anger.
by livesoft
Sun Dec 10, 2017 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Estimated Taxes
Replies: 7
Views: 690

Re: Pay Estimated Taxes

That makes a great deal of sense! I am going to lower my exemptions and that should take effect for my last paycheck (and bonus). As for FICA taxes, she will be paying the full load; is the "employer" portion tax deductible? Thanks. We do not "lower our exemptions" on a W-4. We simply adjust line 6...
by livesoft
Sun Dec 10, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Consolidating Accounts to One-Stop
Replies: 5
Views: 277

Re: Consolidating Accounts to One-Stop

I don't use a savings account. While I am a member of USAA, I prefer WellsFargo / WellsTrade which seems to have everything you listed well integrated together along with a few other bennies. I do not pay commissions, but others may have to pay commissions. There are other places that have essential...
by livesoft
Sun Dec 10, 2017 3:12 pm
Forum: Investing - Theory, News & General
Topic: Buying index funds is just as speculative as buying Bitcoin
Replies: 64
Views: 3513

Re: Buying index funds is just as speculative as buying Bitcoin

This thread is probably confirmation of something.