Search found 53051 matches

by livesoft
Wed Mar 29, 2017 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Advice with new multiple account asset allocation and opening taxable account
Replies: 8
Views: 435

Re: Advice with new multiple account asset allocation and opening taxable account

Really helpful... I would not put two funds initially in the Roth IRAs. I would have small-cap value (SCV) alone in one and the REIT alone in the other one. You can have both REIT and SCV in your large rebalancing account (the 401(k)) if you want, but consider that if you had to rebalance from REIT...
by livesoft
Wed Mar 29, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score dropped 30 points because I paid off my auto loan?
Replies: 13
Views: 551

Re: Credit score dropped 30 points because I paid off my auto loan?

Wait until you pay off your mortgage and you will see another 30 point drop. :twisted:
by livesoft
Wed Mar 29, 2017 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Advice with new multiple account asset allocation and opening taxable account
Replies: 8
Views: 435

Re: Advice with new multiple account asset allocation and opening taxable account

I would not put two funds initially in the Roth IRAs. I would have small-cap value (SCV) alone in one and the REIT alone in the other one. You can have both REIT and SCV in your large rebalancing account (the 401(k)) if you want, but consider that if you had to rebalance from REIT to SCV or vice ver...
by livesoft
Wed Mar 29, 2017 11:12 am
Forum: Investing - Theory, News & General
Topic: Over last 6 years, has the Total Bond Market Index produced an overall slight loss?
Replies: 20
Views: 1261

Re: Over last 6 years, has the Total Bond Market Index produced an overall slight loss?

Easily figured out by charting at morningstar.com ...

Your investment would have made about 18% or about 2.8% a year.
by livesoft
Wed Mar 29, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Does this constitute a wash sale?
Replies: 8
Views: 468

Re: Does this constitute a wash sale?

^I'm willing to do the experiment. I have only one fund at Vanguard in a taxable account that I could buy shares with. I'll buy some shares on a really good day, so that there is a better probability of them losing money the next day. I don't mind being cited/slapped for frequent trading either.
by livesoft
Wed Mar 29, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Max Out 0% Promo Credit Card
Replies: 30
Views: 924

Re: Max Out 0% Promo Credit Card

One need not pay for a FICO score. The (monthly! I track it in a spreadsheet) FICO8 is complimentary with a BoA or AmEx CC, in my experience.. In those days, I don't think FICO8 did existed and certainly credit card companies did not hand them out like they do nowadays, but no matter as all the dif...
by livesoft
Wed Mar 29, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Max Out 0% Promo Credit Card
Replies: 30
Views: 924

Re: Max Out 0% Promo Credit Card

My CreditKarma score went down about 60 points. That can happen if you just sneeze. What about FICO? I've never paid to see my FICO score. I have a vague idea what it might be because I did get a score from my mortgage lender when I refinanced many years ago when it was in the 800s. Yes, I extrapol...
by livesoft
Wed Mar 29, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Max Out 0% Promo Credit Card
Replies: 30
Views: 924

Re: Max Out 0% Promo Credit Card

Years ago, I got a 0%-interest, no annual fee, 0% fee on balance transfers credit card and took out the maximum amount. I just made the minimum monthly payments and paid off the balance before the end of the offer. I invested the money in a 5% CD 1-year CD. My CreditKarma score went down about 60 po...
by livesoft
Wed Mar 29, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Withdraw Roth Contributions for Taxable
Replies: 10
Views: 361

Re: Withdraw Roth Contributions for Taxable

I think you better go for another jog.
by livesoft
Wed Mar 29, 2017 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Why is a better fund and why? Confused
Replies: 5
Views: 341

Re: Why is a better fund and why? Confused

confused investor wrote:2. I used portfoliovisualizer. and looks like Vanguard target date is beating Schwab's by 1000$ from 2014-YTD

I'm not surprised since SWXHX didn't exist until August 25, 2016.
by livesoft
Wed Mar 29, 2017 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Why is a better fund and why? Confused
Replies: 5
Views: 341

Re: Why is a better fund and why? Confused

Thank you LiveSoft 1. How Do I take into account on taxes? You figure out how much in taxes you would pay each year with each fund. You have to know how to fill out your own tax return(s) and get information about fund distributions and put that information into your tax returns. You see how much e...
by livesoft
Wed Mar 29, 2017 9:44 am
Forum: Investing - Theory, News & General
Topic: Personal experience over time? [How far from retirement, time spent investing]
Replies: 17
Views: 1475

Re: Personal experience over time? [How far from retirement, time spent investing]

Vanguard reports that my Vanguard accounts have 10-year average annual return (3/1/2007 to 3/28/2017) of 9.2%. Morningstar.com reports that Vanguard VTSAX has a 10-year average annual return through 3/28/2017 of 7.68%. I am in my late 50's and retired. I opened an account at Vanguard about 35 years ...
by livesoft
Wed Mar 29, 2017 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Why is a better fund and why? Confused
Replies: 5
Views: 341

Re: Why is a better fund and why? Confused

Buy both and see which one turns out to be better. Be sure to take into account taxes, too.

I don't think anyone can predict which one would be better until a long time in the future.

By the way, neither of those funds is actively managed.
by livesoft
Wed Mar 29, 2017 9:19 am
Forum: Investing - Help with Personal Investments
Topic: AA, and exchanging stock funds for bond funds in Roth IRA
Replies: 5
Views: 205

Re: AA, and exchanging stock funds for bond funds in Roth IRA

Why not exchange in your rollover tIRA instead of your Roth IRA? Thanks for the reply, livesoft. I'm not opposed to it. Are there any particular advantages of exchanging in my Rollover tIRA instead of my Roth IRA? Yes, down the road there are advantages to get the most gains in a Roth because Roths...
by livesoft
Wed Mar 29, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Home Energy Audit recommended actions: 28.4 year payback period??
Replies: 17
Views: 1049

Re: Home Energy Audit recommended actions: 28.4 year payback period??

Dakotah wrote:Has anyone else had an energy audit that returned recommended actions that make virtually no financial sense?

I've had people tell me they could save me $40 a month on electricity costs. My bill last month was $32.46, so I don't see any room for $40 of savings.
by livesoft
Wed Mar 29, 2017 6:58 am
Forum: Investing - Theory, News & General
Topic: Stay the course, always?
Replies: 40
Views: 2054

Re: Stay the course, always?

I think stay-the-course means following your IPS / Investment Policy Statement. If your IPS details when you should change AA, then you can stay the course if your IPS dictates changing your AA. So put it in writing.
by livesoft
Wed Mar 29, 2017 6:21 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3400
Views: 862671

Re: U.S. stocks in freefall

OK, then you have to start the wet powder myth. Bonds can be wet powder since they are not explosive.
by livesoft
Wed Mar 29, 2017 6:08 am
Forum: Investing - Help with Personal Investments
Topic: AA, and exchanging stock funds for bond funds in Roth IRA
Replies: 5
Views: 205

Re: AA, and exchanging stock funds for bond funds in Roth IRA

Why not exchange in your rollover tIRA instead of your Roth IRA?
by livesoft
Tue Mar 28, 2017 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: How to get "Total US Stock" and "Total US Bond" in my 403(b)
Replies: 22
Views: 490

Re: How to get "Total US Stock" and "Total US Bond" in my 403(b)

So dividing up equally between MWTSX and FTGLX is reasonable? And you would agree that the TIPS Vanguard fund is not something to do? These expense ratios are unfortunate and would love to find a way to get in on the Total US Bond Fund but don't see how I could do that at this time. Let's look at r...
by livesoft
Tue Mar 28, 2017 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: How to get "Total US Stock" and "Total US Bond" in my 403(b)
Replies: 22
Views: 490

Re: How to get "Total US Stock" and "Total US Bond" in my 403(b)

MWTSX is clearly a good option for you. Or you can use two bond funds in your 403(b). Why wouldn't you use what you got?
by livesoft
Tue Mar 28, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Chores for elementary school age kids?
Replies: 11
Views: 742

Re: Chores for elementary school age kids?

They don't need to lug a basket of clothes up and down the stairs to do laundry. They can lug a quarter basket of clothes in four trips. In another year, the then 10-year-old can start mowing the lawn. They can weed a few square feet of the yard (put a hula hoop marking a patch of weeds and have the...
by livesoft
Tue Mar 28, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter maxed out credit cards, needs help from me
Replies: 92
Views: 4100

Re: Daughter maxed out credit cards, needs help from me

I didn't see how she got into debt in the first place. If she is like my daughter, it is about going to bars every evening for happy hour, then going out to dinner. It is even better if the bars and restaurants are an airplane trip away. Until she realizes how she got into debt in the first place AN...
by livesoft
Tue Mar 28, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to easily organize personal finances
Replies: 31
Views: 2110

Re: How to easily organize personal finances

I don't do spreadsheets. I don't feel there is any need for them. I do use the free download MS Money to see my investments, but not my spending.
by livesoft
Tue Mar 28, 2017 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Get money from IRA at brokerage A to Roth IRA at Brokerage B
Replies: 4
Views: 228

Re: Get money from IRA at brokerage A to Roth IRA at Brokerage B

I personally would want Roth conversions to be done by one broker and not across brokers. See this thread: https://www.bogleheads.org/forum/viewtopic.php?t=162635 It is not clear if your IRA at Brokerage A is a traditional IRA, but I will assume it is. So my advice is to open a traditional IRA at Br...
by livesoft
Tue Mar 28, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: How to easily organize personal finances
Replies: 31
Views: 2110

Re: How to easily organize personal finances

I pay for everything with a cash-back credit card and then I pay that bill in full every month. The credit card company organizes everything for me on the bill.
by livesoft
Tue Mar 28, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Buying a home in a seller's market - how to decide how much to pay
Replies: 8
Views: 710

Re: Buying a home in a seller's market - how to decide how much to pay

You should keep stats of homes you have looked at and that have been sold. Your real estate agent (buyer's agent) can help you gather stats. Besides the obvious things about the characteristics of the home, you might want to have: 1. Initial asking price 2. How long on the market 3. Actual sales pri...
by livesoft
Tue Mar 28, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Wash Sale Clarification?
Replies: 1
Views: 137

Re: Wash Sale Clarification?

Yes, you definitely can. I don't know what you mean by the 2nd question. If you mean, can you buy ABC in the 30 days after selling it for loss, the answer is Yes, but that would make the sale a wash sale. It has nothing to do with XYZ nor 123. If you mean by selling all of XYZ, you don't have a look...
by livesoft
Tue Mar 28, 2017 8:23 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (February 2017)
Replies: 12
Views: 1694

Re: madsinger monthly report (February 2017)

I was just looking at some morningstar charts this a.m. Remember what was going to happen to bonds? They dropped and they recovered. Folks were told when to buy. VBTLX Total bond index VBR small-cap value VSS small-cap foreign VCSH short-term corporate bond http://i64.tinypic.com/344d010.jpg That's ...
by livesoft
Tue Mar 28, 2017 7:40 am
Forum: Investing - Help with Personal Investments
Topic: taxable account
Replies: 8
Views: 525

Re: taxable account

The "best" depends on one's personal situation, such as tax brackets, income, etc. If you don't want to rebalance, so what? Just don't rebalance.
by livesoft
Tue Mar 28, 2017 7:11 am
Forum: Investing - Theory, News & General
Topic: Multiple Board Member changes recently. Means anything?
Replies: 5
Views: 674

Re: Multiple Board Member changes recently. Means anything?

Board members are probably required to own stock. They may even be paid in stock. Think of it this way: Company borrows money they don't have to pay board members who must buy stock, so board members do buy stock. It's all fun ... then company goes bankrupt, stock is worthless, and loans do not have...
by livesoft
Tue Mar 28, 2017 7:06 am
Forum: Personal Finance (Not Investing)
Topic: H&R block? My CPA is MIA
Replies: 12
Views: 1071

Re: H&R block? My CPA is MIA

Sure, use H&RBlock tax software yourself. Easy. You have your previous tax return to look at as an example. I'm filing for an extension just like lots of people do, so as mentioned you should probably do that to relieve any stress you might be having.
by livesoft
Tue Mar 28, 2017 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Bonds in Inherited or Traditional IRA, or both?
Replies: 3
Views: 181

Re: Bonds in Inherited or Traditional IRA, or both?

It probably does not matter depending on the size of the inherited IRA. We have inherited IRAs. They are so small that they cannot qualify for Admiral shares, so they each are 100% in a total bond index fund. They are in set-and-forget mode and need only the RMD transaction each year which pays for ...
by livesoft
Tue Mar 28, 2017 6:17 am
Forum: Investing - Help with Personal Investments
Topic: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares
Replies: 20
Views: 815

Re: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares

I'll just throw this out there:
In Texas 100% of jointly-held assets get stepped up in basis and not just half of them.
by livesoft
Mon Mar 27, 2017 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Large capital loss, how to think about harvesting.
Replies: 10
Views: 687

Re: Large capital loss, how to think about harvesting.

I do have enough to realize $181k in capital gains if I were to harvest in 2017. Is there a reason to harvest gains all at once, rather than holding until retirement and realizing the gains only as needed? No, there is no reason to harvest gains all at once. There are many ways to avoid realizing g...
by livesoft
Mon Mar 27, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Salvaged Wood Furniture and Table
Replies: 33
Views: 1641

Re: Salvaged Wood Furniture and Table

How about salvage from old wooden boats?
by livesoft
Mon Mar 27, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Mid-Term investing?
Replies: 6
Views: 481

Re: Mid-Term investing?

If by "stocks" you mean broadly-diversified index mutual funds, then Yes, by all means do so.
by livesoft
Mon Mar 27, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: Need advice about massive changes in daughter's college program by dean
Replies: 52
Views: 3563

Re: Need advice about massive changes in daughter's college program by dean

... arts-related degree for new media, so a lot of what this school is is pretty uncharted territory. The success in getting a career in these fields mostly depends on the individual and how well one networks, and I would hate to have to start all over in another place. I still don't want to jeopro...
by livesoft
Mon Mar 27, 2017 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 85
Views: 6544

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

I actually was looking for an improved version of this: First, I would never use the word "Thanks" when I didn't want to see the person again. Presumably you were not really thankful for them stopping by the house. You can be polite by using the word "Please" as in "Please ...
by livesoft
Mon Mar 27, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: Salvaged Wood Furniture and Table
Replies: 33
Views: 1641

Re: Salvaged Wood Furniture and Table

I have this experience: My MIL died and we got her furniture which her husband had custom made in Hong Kong while visiting a furniture factory. So custom wood furniture and free is my experience. Also whenever I go eat at a nice Chinese restaurant, they have the exact same rosewood table and chairs ...
by livesoft
Mon Mar 27, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 85
Views: 6544

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

Kencufc wrote:Is this a standard thing that EJ does? I've never heard of them going door to door.

Definitely, yes. You can google it.
by livesoft
Mon Mar 27, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 85
Views: 6544

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

Thrifty Femme wrote:I didn't realize EJ does door to door solicitation...

In both cases, the sales reps that visited me had just lost their previous jobs and were doing the EJ thing to put food on the table. They had absolutely no financial advising experience whatsoever.
by livesoft
Mon Mar 27, 2017 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 85
Views: 6544

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

No need to search. :) I have had EJ folks come by the house. I reported last year on it: I'm laughing because as I've written before: A new EJ sales rep knocked on my door, so I invited him in. I asked him how long he had been with EJ and whether it was a good gig. I asked him what he did before and...
by livesoft
Mon Mar 27, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable items
Replies: 13
Views: 690

Re: Charitable items

Zoey wrote:Livesoft,

Link to where it talks about percentages. More if you do a Google search.

https://www.aol.com/article/2010/03/12/ ... /19388883/

Fake news! Alternative facts! No supporting evidence for the statement made. Thanks for finding it and showing me though.
by livesoft
Mon Mar 27, 2017 6:14 pm
Forum: Investing - Theory, News & General
Topic: Like ability to buy/sell ETF shares relatively instantantly, or doesn't really matter in the long run?
Replies: 4
Views: 250

Re: Like ability to buy/sell ETF shares relatively instantantly, or doesn't really matter in the long run?

There is no way you can look up what disadvantages or advantages you might have from buying intraday. You can keep track for yourself of your own trades though. You can do dual trades: the ETF and the mutual fund on the same days and same dollar amounts. Then after a few years, tells us which one wa...
by livesoft
Mon Mar 27, 2017 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: 401k - Excess Distribution Payment
Replies: 5
Views: 266

Re: 401k - Excess Distribution Payment

Here is a thread from a few days ago on the subject: https://www.bogleheads.org/forum/viewtopic.php?t=213702 and a few days before that: https://www.bogleheads.org/forum/viewtopic.php?t=213028 <- This has this suggestion: For the future, you can have your company change their 401(k) plan to be a so-...
by livesoft
Mon Mar 27, 2017 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: How much to invest in 401k vs taxable account.
Replies: 34
Views: 1766

Re: How much to invest in 401k vs taxable account.

I'll look when I come back from walking the dog, but somebody else can find it. Also, instead of reading this forum right now, somebody could do the "What if?" in tax software and post it. Do you have the link? I am wondering if this is possible for a friend of mine with ~$51k gross. Only...
by livesoft
Mon Mar 27, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: How much to invest in 401k vs taxable account.
Replies: 34
Views: 1766

Re: How much to invest in 401k vs taxable account.

There may be no relationship to one's expenses, one's actual income, and one's taxable income. You figure this out by knowing how to read IRS instructions and how to fill out tax forms, and how to use tax software, and actually using tax software to do "What if?" calculations. For instance...
by livesoft
Mon Mar 27, 2017 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Replace total bond idx with high yield?
Replies: 18
Views: 1114

Re: Replace total bond idx with high yield?

Are you aware that this fund can have better losses, too?
by livesoft
Mon Mar 27, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Large capital loss, how to think about harvesting.
Replies: 10
Views: 687

Re: Large capital loss, how to think about harvesting.

Claim the loss, the full loss, and nothing but the loss. There is nothing to think about. The tax forms practically fill themselves out, so you cannot manipulate them.
by livesoft
Mon Mar 27, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating Expected Taxes Per Paycheck
Replies: 23
Views: 1325

Re: Calculating Expected Taxes Per Paycheck

I think the OP is looking at the tables in Publication 15 which is the one to use, but maybe is using the wrong table in that publication because it is tricky. For instance, 24 paychecks a year or 26 paychecks a year ... there is a table for each. Also what did you submit on your W-4? Furthermore, y...

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