Search found 55601 matches

by livesoft
Wed Sep 20, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard total us dividend for Sept?
Replies: 10
Views: 923

Re: Vanguard total us dividend for Sept?

As of 5 pm EST, vanguard.com has not updated its web page to show the Declaration of the VTI dividend yet.

Is the suspense killing you?
by livesoft
Wed Sep 20, 2017 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversions and taxes
Replies: 18
Views: 804

Re: Roth Conversions and taxes

Yes, my spouse is still working and really messes up all my Roth conversion plans even though I ask her to retire. But for the most part, I can treat her income like a "pension" and just deal with it.
by livesoft
Wed Sep 20, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: advice on possible brokerage Link
Replies: 2
Views: 120

Re: advice on possible brokerage Link

I think that the OP may not quite understand all the fees that they might pay for using the Brokerage Link option. Also, they may not understand that not all funds are available for purchase through the Brokerage Link option. For instance, it is doubtful that one can buy VTSAX through a Fidelity Bro...
by livesoft
Wed Sep 20, 2017 12:54 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 62
Views: 2841

Re: Bogleheads you would most like to meet and why?

an_asker wrote:
Wed Sep 20, 2017 12:52 pm
livesoft wrote:
Mon Sep 18, 2017 11:58 pm
[...]
I'm happy to buy anyone breakfast, lunch, and/or dinner.[...]
How far do I have to drive to get this free lunch? ;-)
No worries, I'll come to you.
by livesoft
Wed Sep 20, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversions and taxes
Replies: 18
Views: 804

Re: Roth Conversions and taxes

..., but for now, the reason I keep that much in bonds in my taxable account is if/when the market corrects, I can use those bonds for living expenses instead of having to take distributions from the bonds in my tIRA. We don't do that because 1. When we sell equities in taxable, we simply exchange ...
by livesoft
Wed Sep 20, 2017 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Does bid-ask spread matter with automatic reinvestment?
Replies: 12
Views: 362

Re: Does bid-ask spread matter with automatic reinvestment?

There's just not much investors can do to prove that one way or the other is there? I agree that one accepts it or just manually reinvests. Our smaller accounts are set to automatically reinvest, but our large accounts are set to take dividends in cash and we manually use them. PS: I love market ti...
by livesoft
Wed Sep 20, 2017 10:50 am
Forum: Investing - Help with Personal Investments
Topic: choosing funds for company 401k
Replies: 2
Views: 127

Re: choosing funds for company 401k

I would reduce the number of funds selected drastically and make sure to get some Target Date Index funds. A big problem is that some people on a committee want to get their favorite fund that they trade, but committee members have a fiduciary duty to make it easy, simple, and beneficial to the part...
by livesoft
Wed Sep 20, 2017 10:34 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 62
Views: 2841

Re: Bogleheads you would most like to meet and why?

sscritic is alive and well. We had lunch together a little while ago.
by livesoft
Wed Sep 20, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Does bid-ask spread matter with automatic reinvestment?
Replies: 12
Views: 362

Re: Does bid-ask spread matter with automatic reinvestment?

I don't understand, wouldn't you have to execute your trade at precisely the identical time in account # 1 that your broker does in account #2 to get an accurate comparison? If I see that that TDA filled my reinvested divs on VTI at 11:56:08 I can easily go back and look at a minute by minute to "c...
by livesoft
Wed Sep 20, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Does bid-ask spread matter with automatic reinvestment?
Replies: 12
Views: 362

Re: Does bid-ask spread matter with automatic reinvestment?

And to give you an idea of round-off error: On 6/27/2017, the opening price for VSS was $107.83. A dividend of $155.85 bought 1.445 shares, but 1.445 x 107.83 = $155.81 and $155.85 / $107.83 = 1.4453, so I didn't get 0.0003 shares that I should have gotten. On 3/28/2017, the opening price for VSS wa...
by livesoft
Wed Sep 20, 2017 10:10 am
Forum: Investing - Help with Personal Investments
Topic: Does bid-ask spread matter with automatic reinvestment?
Replies: 12
Views: 362

Re: Does bid-ask spread matter with automatic reinvestment?

I believe it does. According to Vanguard , they re-invest dividends using market orders, which I believe will be subject to bid-ask spreads. (You didn't mention, but I assume you hold this ETF at Vanguard.) Thanks for the link. There is NO bid/ask spread at the opening cross when Vanguard executes ...
by livesoft
Wed Sep 20, 2017 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Does bid-ask spread matter with automatic reinvestment?
Replies: 12
Views: 362

Re: Does bid-ask spread matter with automatic reinvestment?

Automatic reinvestment of dividends paid by ETFs is tricky and there is no one way that is always better. I think the costs are dominated by round-off error and how your broker decides when to buy and what price to pay not by the bid/ask spread. Here is a thread about round-off error, in this case a...
by livesoft
Wed Sep 20, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Roth Conversions and taxes
Replies: 18
Views: 804

Re: Roth Conversions and taxes

I don't think anyone can answer the questions asked at the start of this thread with any degree of certainty. I will say that one can reduce the growth of potential RMDs by putting low-growth investments in the traditional IRAs. That means use bond funds in tax-deferred accounts and don't use stock ...
by livesoft
Wed Sep 20, 2017 9:14 am
Forum: Investing - Theory, News & General
Topic: Federal Reserve September 2017 meeting
Replies: 5
Views: 448

Re: Federal Reserve September 2017 meeting

It will have no effect.
by livesoft
Wed Sep 20, 2017 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard total us dividend for Sept?
Replies: 10
Views: 923

Re: Vanguard total us dividend for Sept?

jebmke wrote:
Wed Sep 20, 2017 8:54 am
Are there that many people who depend on the dividend being delivered on say, 9/20 vs. 9/21 .....?
Sometimes I do because I need the dividend in order to pay expenses such as college tuition, property taxes, and credit card bills which all have deadlines.
by livesoft
Wed Sep 20, 2017 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard total us dividend for Sept?
Replies: 10
Views: 923

Re: Vanguard total us dividend for Sept?

VTI is not paying a dividend today which is why it does not show up on the Distributions tab. The dividend hasn't even been declared which is why it does not show up on the Distributions tab. The dividend will be declared later today and maybe by midnight 9/20/2017 will the vanguard.com web site get...
by livesoft
Tue Sep 19, 2017 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Where do mid-caps fit it?
Replies: 13
Views: 1028

Re: Where do mid-caps fit it?

BogleAlltheWay wrote:
Tue Sep 19, 2017 7:37 pm
but how I do I tell how much of each large, mid and small cap are being recommended by the portfolios?
Learn to use an X-ray analysis at morningstar.com.
by livesoft
Tue Sep 19, 2017 10:04 pm
Forum: Investing - Theory, News & General
Topic: Why is VXUS up and VTIAX down?
Replies: 11
Views: 2090

Re: Why is VXUS up and VTIAX down?

One had a distribution today and one didn't.
by livesoft
Tue Sep 19, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: Grass trimmer
Replies: 66
Views: 4009

Re: Grass trimmer

^The new trimmer has instructions to spray the line on the spool with silicone spray oil so that the line doesn't jam and slides over itself when it has to feed out.
by livesoft
Tue Sep 19, 2017 6:19 pm
Forum: Investing - Theory, News & General
Topic: Data-driven individual stock approach
Replies: 28
Views: 1134

Re: Data-driven individual stock approach

incognito_man wrote:
Tue Sep 19, 2017 6:12 pm
what's the subscription fee? :P
Are you saying that you would pay me money to watch me lose money right and left? Amazing!
by livesoft
Tue Sep 19, 2017 4:04 pm
Forum: Investing - Theory, News & General
Topic: Data-driven individual stock approach
Replies: 28
Views: 1134

Re: Data-driven individual stock approach

I don't think numbers will help in this regard. My niche is learning about behavioral finance errors and traps. Bogleheads.org is a great place to get the pulse of investors making common "peace of mind" and "sleep well at night" mental accounting mistakes. Psychology and emotions of investors allow...
by livesoft
Tue Sep 19, 2017 4:00 pm
Forum: Investing - Theory, News & General
Topic: Any "average Joe" here actually make out well with individual stocks?
Replies: 40
Views: 3188

Re: Any "average Joe" here actually make out well with individual stocks?

People do not come onto message boards to post their 6 figure losses or combined 6 figure losses, or dare I say 7 for the high rollers on here. C'mon, lots of folks posted on this forum about big losses in 2008-2009. It's one the main reasons I have [not] paid any cap gains taxes since about 1999 a...
by livesoft
Tue Sep 19, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Grass trimmer
Replies: 66
Views: 4009

Re: Grass trimmer

FWIW, yesterday I bought a battery-powered 40V Ryobi "attachment capable" trimmer more expensive than the one linked by the OP in the first post of this thread. I bought it at Home Depot. I replaced a 2-cycle Troy gas-powered trimmer that sheared a crankcase bolt leaving the bolt in the threads and ...
by livesoft
Tue Sep 19, 2017 12:41 pm
Forum: Investing - Theory, News & General
Topic: measurement of success of investment(s)
Replies: 30
Views: 1430

Re: measurement of success of investment(s)

wstalcup wrote:
Tue Sep 19, 2017 12:23 pm
Vanguard Target Retirement fund seems to really underperform ....
I certainly hope so because its benchmark is not the S&P500.
by livesoft
Tue Sep 19, 2017 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Performance Tracking
Replies: 13
Views: 679

Re: TD Ameritrade Performance Tracking

pshonore wrote:
Tue Sep 19, 2017 11:55 am
I buy 100 shares of X. A few months it pays a dividend which is reinvested. My holdings now show 100.xx shares of X.
Yes, that happens, but that's not a perforrmance number which takes into account dates and additional buys and sells like XIRR() algorithm does.
by livesoft
Tue Sep 19, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: Data-driven individual stock approach
Replies: 28
Views: 1134

Re: Data-driven individual stock approach

livesoft, I know you're a student of the market. if no one believes you, why don't you post your trades before you make them? I'll volunteer to setup a google doc that timestamps your entries. I do post my trades before I make them at a place where I cannot control nor fake the timestamps. I've bee...
by livesoft
Tue Sep 19, 2017 11:27 am
Forum: Investing - Theory, News & General
Topic: best practices when buying a large amount of stock
Replies: 10
Views: 1127

Re: best practices when buying a large amount of stock

Check out this thread:
viewtopic.php?t=165732

Since no one should be paying commissions, I might suggest submitting a set of smaller orders. You can experiment with smaller orders and see what happens and learn alot.
by livesoft
Tue Sep 19, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Online Bill Pay Security: Push or Pull?
Replies: 81
Views: 2496

Re: Online Bill Pay Security: Push or Pull?

I push because Credit Card companies are set up to give you a new credit card [account] pretty much instantly if you or they suspect fraud. I think banks seem to be quite a bit less accommodating in this regard.
by livesoft
Tue Sep 19, 2017 11:17 am
Forum: Investing - Theory, News & General
Topic: Data-driven individual stock approach
Replies: 28
Views: 1134

Re: Data-driven individual stock approach

I have written software that I use to help me. I use ETFs and not individual stocks. Have some fun! And no one will believe you, but so what if you are laughing all the way to the bank!

Read some books, too, such as "The Quants"
by livesoft
Tue Sep 19, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 132
Views: 12311

Re: Calling out the not so rich bogleheads

I like some of the names orginally posted by stlutz:

IamRich
IwasRich
and
IwantToBeRich
IamNotRich
IhaveNoMoney.

I've certainly gone through these stages of finances over the years, starting at the very bottom.
by livesoft
Tue Sep 19, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing - In Taxable Account
Replies: 13
Views: 788

Re: Rebalancing - In Taxable Account

Is this a role for something like Vanguard's tax managed balanced fund? I personally don't think so. I want to manage taxes myself which means separate asset classes in separate funds, Cost Basis Method set to Specific Identification, manually reinvesting distributions, tax-loss harvesting, and a D...
by livesoft
Tue Sep 19, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing - In Taxable Account
Replies: 13
Views: 788

Re: Rebalancing - In Taxable Account

Your taxable holdings probably pay out about 2% a year in dividends. Those dividends can probably be invested in a tax-exempt muni bond fund. Also last year in December, lots of folks were tax-loss harvesting their muni-bond funds. If you give away 1% of your portfolio every year to charity, then th...
by livesoft
Tue Sep 19, 2017 9:44 am
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Performance Tracking
Replies: 13
Views: 679

Re: TD Ameritrade Performance Tracking

If you select "POSITIONS" from MyAccount, you can see gain/loss for each holding. However those numbers are from the first day you held the position. It will reflect dividends, etc if you reinvested them, otherwise, they'll be in the "cash account". Are you sure? I don't believe that is true. I thi...
by livesoft
Tue Sep 19, 2017 9:38 am
Forum: Investing - Help with Personal Investments
Topic: If you don't care about optimal performance?
Replies: 17
Views: 898

Re: If you don't care about optimal performance?

Optimal performance? No. But I want to do as well as some benchmarks that are similar to the asset allocation of my personal portfolio. That is, I don't want to shoot myself in the foot if that can be easily avoided. And I have some solid non-Boglehead ideas that work for me, but probably not for ot...
by livesoft
Mon Sep 18, 2017 11:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 62
Views: 2841

Re: Bogleheads you would most like to meet and why?

Anyway, livesoft still needs to buy me breakfast. And not oatmeal. I'm happy to buy anyone breakfast, lunch, and/or dinner. I have met in person quite a few people who post on the forum and have always enjoyed it tremendously. And I don't quite know what to say to folks except thanks and perhaps pr...
by livesoft
Mon Sep 18, 2017 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Performance Tracking
Replies: 13
Views: 679

Re: TD Ameritrade Performance Tracking

No. A significant part of total return includes dividends and cap gains distributions which are not shown on that web page.
by livesoft
Mon Sep 18, 2017 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Performance Tracking
Replies: 13
Views: 679

Re: TD Ameritrade Performance Tracking

Long-time TDAm client here. I've never seen nor tried to see total return over time on the TDam web site. Gains/losses both realized and unrealized can be seen.

I use MS Money instead for performance tracking.
by livesoft
Mon Sep 18, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: blood pressure monitor recommendations?
Replies: 38
Views: 2199

Re: blood pressure monitor recommendations?

^I am not a medical professional, but I have BP monitor right here and can take measurements now. How many minutes apart do you want them?

I also think the variation in both numbers will be 5 or more, but that would depend on the numbers to start with. 100/60 will prob have less change than 150/85.
by livesoft
Mon Sep 18, 2017 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple Roth IRA accounts
Replies: 4
Views: 678

Re: Multiple Roth IRA accounts

Thanks, I missed that.
by livesoft
Mon Sep 18, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 132
Views: 12311

Re: Calling out the not so rich bogleheads

ddurrett896 wrote:
Mon Sep 18, 2017 6:41 pm
Person 1 makes $50,000/year and has a net worth of $500,000.
When I was making $50,000 a year, I had a net worth of less than $10,000, but I had no debt partly because I didn't own a home and didn't own a vehicle (if you don't count my bicycle).
by livesoft
Mon Sep 18, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 132
Views: 12311

Re: Calling out the not so rich bogleheads

A lot of folks come here for retirement advice ... either just before they retire or just after they retire or several years into retirement. That may give one the impression that there are not that many younger individuals and families. However, I think that might just mean one doesn't read all the...
by livesoft
Mon Sep 18, 2017 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 132
Views: 12311

Re: Calling out the not so rich bogleheads

My reaction to this is folks should just get over it and not measure their happiness and self-worth against others. I never did. When I was between 35-40, we didn't even own a home ... we had been lifelong renters. And we weren't thinking about college expenses either. And we didn't even have 2 cars...
by livesoft
Mon Sep 18, 2017 4:48 pm
Forum: Investing - Theory, News & General
Topic: measurement of success of investment(s)
Replies: 30
Views: 1430

Re: measurement of success of investment(s)

Since my ETFs track their indexes extremely well, I don't need to measure the success of them. But I do want to measure the success of whether I am market timing successfully my buys and sells of them. It just makes no sense to compare the performance of VSS to SPY or VOO since VSS is not US large-c...
by livesoft
Mon Sep 18, 2017 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Tired of investing, where to once and for all
Replies: 17
Views: 2322

Re: Tired of investing, where to once and for all

I work 60-70 hours per week. Investing should take no more than 1 minute per week. Actually it should take less time. I went away into the wilderness earlier this summer out of contact with civilization as you probably know it. When I came back, my investments were still there and chugging along. T...
by livesoft
Mon Sep 18, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: blood pressure monitor recommendations?
Replies: 38
Views: 2199

Re: blood pressure monitor recommendations?

Is there a way to determine the right cuff size? Never even knew cuff size existed. How does one determine the best cuff size? I would not worry about cuff size until after you use the standard cuff that comes with all these Omron devices. One size does fit almost all people with the exception of i...
by livesoft
Mon Sep 18, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 41
Views: 3902

Re: USPS lost very important certified mail - What next?

Was this Houston?

Contact recipient and tell them and ask them what they want you to do. I expect they will say put a stop-payment on the check and send them a new check.
by livesoft
Mon Sep 18, 2017 2:29 pm
Forum: Investing - Theory, News & General
Topic: What is the main purpose of rebalancing?
Replies: 52
Views: 3034

Re: What is the main purpose of rebalancing?

I'll write this: If you are not making money from rebalancing, then you are probably not doing it in a way that is available to you and can make you money. It is kinda like market timing. The news about market timing is that it cannot be done successfully and that it always fails. The reality is som...
by livesoft
Mon Sep 18, 2017 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: math on determining rebalancing bands?
Replies: 6
Views: 409

Re: math on determining rebalancing bands?

As expected for a mature forum like bogleheads.org, the math is available: https://www.bogleheads.org/forum/viewtopic.php?t=185596 And if you don't want to do any math, there is: https://www.bogleheads.org/forum/viewtopic.php?t=150267 And most folks don't even follow the math, but seem to have a sea...
by livesoft
Mon Sep 18, 2017 11:00 am
Forum: Investing - Theory, News & General
Topic: What is the main purpose of rebalancing?
Replies: 52
Views: 3034

Re: What is the main purpose of rebalancing?

I think one simply has to accept the fact that one might not sell high enough nor buy low enough when one is rebalancing. If you haven't read this thread where folks tell us the amount of rebalancing that they do (as opposed to theory), then check it out: https://www.bogleheads.org/forum/viewtopic.p...
by livesoft
Mon Sep 18, 2017 10:25 am
Forum: Investing - Theory, News & General
Topic: What is the main purpose of rebalancing?
Replies: 52
Views: 3034

Re: What is the main purpose of rebalancing?

Another purpose of rebalancing is to give you the chance to think about your portfolio, your asset allocation, your IPS, and have some fun making decisions and implementing transactions. Basically: It takes the boredom out of investing.