Search found 82319 matches

by livesoft
Wed Mar 29, 2023 5:22 pm
Forum: Investing - Theory, News & General
Topic: What to talk about at Bogleheads Conference?
Replies: 7
Views: 636

Re: What to talk about at Bogleheads Conference?

If you want to make a super-memorable talk that will light up the internet, then here's a topic:

"Why I ditched tilting to small-cap and value equities and now use the 3-fund Boglehead portfolio"
by livesoft
Wed Mar 29, 2023 5:46 am
Forum: Personal Investments
Topic: leaving an advisory firm - suggestions?
Replies: 5
Views: 762

Re: leaving an advisory firm - suggestions?

Has anyone navigated a departure from advisors before? Are there threads or resources to review?
from 6 days ago:
viewtopic.php?p=7183853
where this from 3 weeks ago was linked:
viewtopic.php?t=400421
by livesoft
Tue Mar 28, 2023 7:24 pm
Forum: Investing - Theory, News & General
Topic: Is VG's Portfolio Tester off?
Replies: 7
Views: 616

Re: Is VG's Portfolio Tester off?

Portfolio Watch is not Portfolio Visualizer.

Portfolio Watch breaks badly from time to time as do other things at Vanguard.com. If one waits, then usually things improve until the next time
by livesoft
Tue Mar 28, 2023 2:08 pm
Forum: Personal Consumer Issues
Topic: Cheap way to get national/world news on tv?
Replies: 30
Views: 1850

Re: Cheap way to get national/world news on tv?

Over-The-Air (OTA) of PBS is free, but I suppose you will want to donate to Public Media for which you might get a tax deduction.
by livesoft
Tue Mar 28, 2023 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: What do you all tell your adult children? [About your finances]
Replies: 25
Views: 2620

Re: What do you all tell your adult children? [About your finances]

I tell them anything they want to know. So far, they don't want to know anything. :twisted:
by livesoft
Tue Mar 28, 2023 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Pros and Cons of intentionally underinsuring home?
Replies: 31
Views: 2047

Re: Pros and Cons of intentionally underinsuring home?

I had (for me) a lengthy discussion recently with a CSR trying to reduce the cost of my insurance. It was eye-opening to me how I could reduce the max amount the insurance company would pay for the home (H) and the contents (C). My deductible was already the max allowed. Right on the phone I could build a little table of H across and C down to come up with the annual premium and I suppose risk of shortfall. Anyways, there wasn't much savings to be had for reducing my insured amounts by reasonable numbers, but I did it anyways. And a side note: The county tax assessor has been ignoring the value of real estate around here until this year. The tax assessor bumped up the appraised value by 25% which is amazing as it has been going up about 3% ...
by livesoft
Tue Mar 28, 2023 5:55 am
Forum: Personal Investments
Topic: Portfolio Suggestions
Replies: 9
Views: 900

Re: Portfolio Suggestions

Not much to say because one cannot tell anything about asset location and taxes. One could certainly 3-fund it or 2-fund it as well.

Is that 21% equities?

I'm also laughing at the 2 digits to the right of the decimal points on the past returns.

Some folks would want to know what was the largest loss or dip for this mash-up of investments?
And what the longest time period for this portfolio to be "underwater"?

The lack of showing 2020, 2021, and 2022 returns could be a blessing because the question can be asked: Did the 2004-2019 returns help predict the subsequent returns in 2020, 2021, and 2022? Toss this into portfoliovisualizer.com to find out. :)
by livesoft
Mon Mar 27, 2023 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: How to estimate taxes when you expect to earn considerably less the following year?
Replies: 7
Views: 573

Re: How to estimate taxes when you expect to earn considerably less the following year?

If you are using an accountant or other professional to prepare your tax return, then ask them. If you are preparing your own tax return, then do what the professional would do for you yourself: Fill out a dummy tax return with the current tax-prep software and away you go.
by livesoft
Mon Mar 27, 2023 7:07 pm
Forum: Personal Consumer Issues
Topic: What Makes a Great Burger?
Replies: 79
Views: 4661

Re: What Makes a Great Burger?

quantAndHold wrote: Mon Mar 27, 2023 7:03 pm
livesoft wrote: Mon Mar 27, 2023 6:57 pm I'm not sure how people decide what percentage of fat is in the ground meat. Do butchers use specific gravity or something like that?
Google says they cook up a bit of the meat, and run the drippings through a “fat tester.”
I'm liking this YT video from Penn State Extension: https://www.youtube.com/watch?v=KVnpmjEoC6U
by livesoft
Mon Mar 27, 2023 6:57 pm
Forum: Personal Investments
Topic: SWTSX dividend distribution
Replies: 14
Views: 844

Re: SWTSX dividend distribution

comfy wrote: Mon Mar 27, 2023 6:45 pm
livesoft wrote: Mon Mar 27, 2023 6:23 pm
I don't think this is a pro or con: "Other than paying attention when you are able to withdrawal, sell it after the yearly distribution." That's because you can sell and withdraw before or after the yearly distribution. I don't know what you are implying.
The price would be about the same, right? Before price, or after price + dividends.
The value would be exactly the same because the NAV will drop by the per-share amount of the dividend.
by livesoft
Mon Mar 27, 2023 6:57 pm
Forum: Personal Consumer Issues
Topic: What Makes a Great Burger?
Replies: 79
Views: 4661

Re: What Makes a Great Burger?

If you want to grind your own meat, then you probably already have a Kitchen Aid Artisan stand Mixer has a meat grinder attachment. Put the pieces in the freezer so they are freezer cold beforehand. You can clean after grinding meat by putting some old bread through it.

I'm not sure how people decide what percentage of fat is in the ground meat. Do butchers use specific gravity or something like that?
by livesoft
Mon Mar 27, 2023 6:23 pm
Forum: Personal Investments
Topic: SWTSX dividend distribution
Replies: 14
Views: 844

Re: SWTSX dividend distribution

There are some pros and cons. Pro: No problem with reinvested dividends to watch out for when tax-loss harvesting in Spring, Summer, and Fall. Pro: No "buying the dividend to worry about Spring, Summer, and Fall. Pro: Easy to sell before the Winter dividend and avoid the taxes on the dividend. So tax-loss harvesting may be easier for some folks. Con: December dividend is not as small as some other total stock market index fund dividends in December, so "buying the dividend" may concern some folks. I don't think this is a pro or con: "Other than paying attention when you are able to withdrawal, sell it after the yearly distribution." That's because you can sell and withdraw before or after the yearly distribution. I ...
by livesoft
Mon Mar 27, 2023 1:23 pm
Forum: Personal Consumer Issues
Topic: Trouble finding help for home repairs
Replies: 38
Views: 2904

Re: Trouble finding help for home repairs

Make your projects BIG, way BIGGER than you ever thought such as remodeling the entire home. Or sell "as is" and buy something more suitable.

We just had our roof replaced and the exterior of our home repainted. Since the paint crews were on site, we convinced them to do a few additional things on the interior. OTOH, I just repaired myself the garage door opener and the lawn irrigation system. Neither were particularly hard to do. My friends who are your age do even more than me and lend me tools and sometimes help out. Of course, I reciprocate by lending out tools and helping them as well.
by livesoft
Mon Mar 27, 2023 1:08 pm
Forum: Personal Consumer Issues
Topic: Gravity Fed Water Filtering? Similar to Berkey?
Replies: 11
Views: 892

Re: Gravity Fed Water Filtering? Similar to Berkey?

What kind of daily volume of water would meet your needs? There are plenty of backpacking water filters on the market and some are sold at WalMart that would filter a liter every few minutes by gravity with the proper setup. Example: A CNOC Vector FDA-approved TPU bag coupled to a Sawyer Squeeze filter.
by livesoft
Mon Mar 27, 2023 10:42 am
Forum: Personal Consumer Issues
Topic: What to pay neighbor kid for cat care?
Replies: 55
Views: 2929

Re: What to pay neighbor kid for cat care?

If you had to board your cat, then how much would you have to pay? If you had a service come to your house, then how much would you pay?
by livesoft
Sun Mar 26, 2023 5:18 pm
Forum: Personal Consumer Issues
Topic: Binoculars that can take sharp image of what you see?
Replies: 55
Views: 3447

Re: Binoculars that can take sharp image of what you see?

Moment makes lenses for a cell phone and cases that go with them. They have a competitor as well, but I forget the name.
by livesoft
Sun Mar 26, 2023 5:05 pm
Forum: Investing - Theory, News & General
Topic: How do you reconcile your investment account records?
Replies: 51
Views: 3383

Re: How do you reconcile your investment account records?

I look at the "transactions" in my accounts and that's it.

I easily know what I add to accounts and what I withdraw from accounts. What is harder is to make sure the dividends paid match the published dividends per share.
by livesoft
Sun Mar 26, 2023 12:39 pm
Forum: Personal Investments
Topic: Help me help my mom who is in very bad financial shape.
Replies: 85
Views: 7425

Re: Help me help my mom who is in very bad financial shape.

I thought the mom was in pretty good financial shape. Didn't anyone else think so? No way close to "very bad" in any case. Clearly, we don't know the whole story here.
by livesoft
Sun Mar 26, 2023 2:27 am
Forum: Personal Investments
Topic: Loan from 401K to purchase house?
Replies: 22
Views: 2266

Re: Loan from 401K to purchase house?

Years ago my spouse took out a $50,000 401(k) loan. Not to buy a house, but to avoid the almost 2% expense ratio of the lowest e.r. fund that the 401(k) was invested in. 2% of $50K a year is $1,000 a year. The money was used to buy a substantially identical investment in 529 plans with an expense ratio under 0.05%, thus any increase in the 529 plans could (and was) eventually withdrawn tax-free. All was well and good until her company was sold. She did not lose her job, but continued under the new owners. However, the 401(k) plan was shut down and folded into the new buyer's existing 401(k) plan. Her 401(k) loan came due in 30 (or 60?) days. My spouse just paid back the loan using money in our taxable account. She learned that a colleague h...
by livesoft
Sun Mar 26, 2023 2:03 am
Forum: Investing - Theory, News & General
Topic: Direct Indexing Adventure
Replies: 26
Views: 2770

Re: Direct Indexing Adventure

So the FidFolios direct TLH'd. Did you TLH'd the $10,000 you put into VOO as well?
by livesoft
Sat Mar 25, 2023 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: First time doing taxes - realized I accidentally over-contributed 401k
Replies: 20
Views: 1648

Re: First time doing taxes - realized I accidentally over-contributed 401k

blaire951 wrote: Sat Mar 25, 2023 5:35 pmNo need to notify my 401k provider right? Can just let the tax software handle it and I will accept getting double taxed? (Once as income and another when I withdraw from 401k)
This has happened to me. It happens often, so your payroll/HR/401(k) folks know what to do. Just call them up and they may have a form for you to fill out. It should all be taken care of on Monday in 5 minutes. I certainly would not pay all those extra taxes for this. Did you read any of the links I gave you?
by livesoft
Sat Mar 25, 2023 5:21 pm
Forum: Personal Investments
Topic: Date for donation of Vanguard mutual fund?
Replies: 13
Views: 634

Re: Date for donation of Vanguard mutual fund?

I have always used "2) the date that the asset leaves your account" and never had any issues with that. Does it even matter? The charity always tells me the value of the donation. I haven't donated to shares to organizations that don't know how to receive shares, so I have never had to question the value they report --- and I check the value myself because there are historical prices available for shares.
by livesoft
Sat Mar 25, 2023 2:53 pm
Forum: Personal Consumer Issues
Topic: good camping sites for beginners in new york/new england?
Replies: 18
Views: 1217

Re: good camping sites for beginners in new york/new england?

I was speaking to a friend of mine this morning who lives in NYC and their first ever camping experience came up which happened in the past few years while they were in their 40s. They could be the OP. The bottom line: Their experience was "good" because it was so terribly bad that they will never ever go camping again. I think they will stick to hotel camping from now on.
by livesoft
Sat Mar 25, 2023 2:44 pm
Forum: Personal Consumer Issues
Topic: Problem getting passport
Replies: 32
Views: 3172

Re: Problem getting passport

I read this thread and didn't see any problem described. It seems all is in order to me with nothing unusual to worry about.
by livesoft
Sat Mar 25, 2023 12:24 pm
Forum: Personal Consumer Issues
Topic: Google Pixel 7 phone questions
Replies: 16
Views: 1525

Re: Google Pixel 7 phone questions

I don't know, but I would use Google (via chrome browser) on the phone to ask them that exact question. At the bottom of your home screen you should see a place to ask questions:
Image
by livesoft
Sat Mar 25, 2023 6:05 am
Forum: Personal Finance (Not Investing)
Topic: First time doing taxes - realized I accidentally over-contributed 401k
Replies: 20
Views: 1648

Re: First time doing taxes - realized I accidentally over-contributed 401k

>I'm so confused from the information I read from googling (Investopedia and Motely Fool).

In situations like this I would restrict my googling to the irs.gov and perhaps bogleheads.org

Here's a search example: https://www.google.com/search?q=excess+ ... eheads.org
and for IRS.gov
https://www.google.com/search?q=excess+ ... %3Airs.gov

This happens so often that it is easy to fix.
by livesoft
Fri Mar 24, 2023 8:43 pm
Forum: Personal Consumer Issues
Topic: good camping sites for beginners in new york/new england?
Replies: 18
Views: 1217

Re: good camping sites for beginners in new york/new england?

I'd start in your backyard if you have one. Then maybe graduate to the closest state park because you can probably park your vehicle next to your tent. Or are you intending to stay in a recreational vehicle? Some people want toilets, showers, and running potable water, but those things are something that are not required for others.
by livesoft
Fri Mar 24, 2023 8:36 pm
Forum: Personal Consumer Issues
Topic: Mail in passport renewal
Replies: 37
Views: 2321

Re: Mail in passport renewal

KlangFool wrote: Fri Mar 24, 2023 8:30 pm
livesoft wrote: Fri Mar 24, 2023 8:25 pm USPS and Bundespost.
Do you use priority mail of the USPS?

Thanks.

KlangFool
No. My spouse got a renewal recently in 6 weeks.
by livesoft
Fri Mar 24, 2023 8:27 pm
Forum: Non-US Investing
Topic: Is European real estate market collapsing?
Replies: 18
Views: 2319

Re: Is European real estate market collapsing?

Starfish wrote: Fri Mar 24, 2023 7:21 pm
livesoft wrote: Fri Mar 24, 2023 4:33 pm Literally: Buildings in Turkey have collapsed.
Different continent, mostly. But thanks for strengthening the stereotype :D
You are welcome. I'm totally the stereotype having lived in Europe and stayed in Turkey on both sides of the Bosphorus.
by livesoft
Fri Mar 24, 2023 8:25 pm
Forum: Personal Consumer Issues
Topic: Mail in passport renewal
Replies: 37
Views: 2321

Re: Mail in passport renewal

USPS and Bundespost.
by livesoft
Fri Mar 24, 2023 6:29 pm
Forum: Personal Investments
Topic: Employer t401k was auto switched to a different fund? Please help?
Replies: 84
Views: 4513

Re: Employer t401k was auto switched to a different fund? Please help?

Vanguard User wrote: Thu Mar 23, 2023 8:57 pmShould I stick to these funds and allocation?
Sure, why not?


As an aside, I am amused that the change was 7 months ago and you are asking this now.
by livesoft
Fri Mar 24, 2023 4:33 pm
Forum: Non-US Investing
Topic: Is European real estate market collapsing?
Replies: 18
Views: 2319

Re: Is European real estate market collapsing?

Literally: Buildings in Turkey have collapsed.
by livesoft
Fri Mar 24, 2023 4:20 pm
Forum: Personal Investments
Topic: Asking for Clarification [Wellington vs. Wellesley]
Replies: 11
Views: 1310

Re: Asking for Clairification

Distributions are not just from fixed income dividends or interest. Distributions can be from realized capital gains that the fund managers have created.
by livesoft
Fri Mar 24, 2023 10:08 am
Forum: Personal Investments
Topic: Real Estate Sell Off
Replies: 20
Views: 4058

Re: Real Estate Sell Off

Some people I know have the spouse get a real estate license. They sell their primary home and get the capital gains exclusion and move into one of their other houses for a little while to get the capital gains exclusion for it, then repeat.
by livesoft
Thu Mar 23, 2023 7:42 pm
Forum: Personal Investments
Topic: Fidelity advisors keep calling me
Replies: 27
Views: 2797

Re: Fidelity advisors keep calling me

We don't have a landline anymore. It is trivial to block the Fidelity phone number on my cell phone, so I have done so.
by livesoft
Thu Mar 23, 2023 3:02 pm
Forum: Personal Investments
Topic: Gifting Brokerage Account
Replies: 28
Views: 1960

Re: Gifting Brokerage Account

6d1v7x3 wrote: Thu Mar 23, 2023 2:56 pm Just so everyone knows I bought these shares back when they were worth more than they are now. So that means I'd be gifting unrealized capitol losses? Sorry for my ignorance. Does the fact that my family member won't be selling matter? Thank you again for your help.
Why not sell them and gift the cash?
by livesoft
Thu Mar 23, 2023 2:48 pm
Forum: Personal Investments
Topic: Gifting Brokerage Account
Replies: 28
Views: 1960

Re: Gifting Brokerage Account

6d1v7x3 wrote: Thu Mar 23, 2023 1:57 pmCan you please tell me what the rules are for unrealized losses? Thank you.
Sorry, I cannot as I have never had to do that, so I have not studied them.
by livesoft
Thu Mar 23, 2023 2:45 pm
Forum: Personal Investments
Topic: How to cut ties with Advisor
Replies: 6
Views: 777

Re: How to cut ties with Advisor

Conveniently, this was just posted a few days ago: viewtopic.php?t=400421
by livesoft
Thu Mar 23, 2023 4:50 am
Forum: Personal Investments
Topic: Gifting Brokerage Account
Replies: 28
Views: 1960

Re: Gifting Brokerage Account

A lot of the comments assume there are unrealized capital gains, but there could be unrealized capital losses. The rules are a little different if one gifts shares that have unrealized losses.
by livesoft
Wed Mar 22, 2023 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to pay for college
Replies: 21
Views: 2077

Re: Best way to pay for college

Note enough info. Is your family eligible for the American Opportunity Tax Credit? The Lifetime Learning Credit? Other education tax credits?
by livesoft
Wed Mar 22, 2023 4:41 pm
Forum: Investing - Theory, News & General
Topic: VTI Buy Limit Orders from Vanguard Brokerage / Emergency Fund Account
Replies: 21
Views: 1360

Re: VTI Buy Limit Orders from Vanguard Brokerage / Emergency Fund Account

JenniferW wrote: Wed Mar 22, 2023 4:22 pmBut with this setup I am guaranteed a near 5% return with potential of buying VTI at nice discounts as well. Seems like a win for 25% of an emergency fund.
What do you mean "Seems like a win"?? If all those orders execute, then with the last order executing at $160, you will have lost some money.

Instead of submitting limit orders, maybe just have your brokerage send you an alert if VTI trades at those prices, so that you can at that point in time decide what to do?
by livesoft
Wed Mar 22, 2023 4:21 pm
Forum: Investing - Theory, News & General
Topic: VTI Buy Limit Orders from Vanguard Brokerage / Emergency Fund Account
Replies: 21
Views: 1360

Re: VTI Buy Limit Orders from Vanguard Brokerage / Emergency Fund Account

I like that you are doing this. I am sure you will learn something from it.
by livesoft
Wed Mar 22, 2023 4:18 pm
Forum: Personal Consumer Issues
Topic: Do you tip at Starbucks/Dunkin Donuts?
Replies: 142
Views: 8976

Re: Do you tip at Starbucks/Dunkin Donuts?

Miriam2 wrote: Wed Mar 22, 2023 4:14 pm
livesoft wrote: Wed Mar 22, 2023 3:45 pm Nope, never. But that's probably because I never patronize these establishments.
Oh livesoft - next holiday season, just for a little treat, go in or drive through Starbucks & order a hot Peppermint Mocha Frappuccino - I'll pay :D
Noted. Thanks! :)
by livesoft
Wed Mar 22, 2023 3:45 pm
Forum: Personal Consumer Issues
Topic: Do you tip at Starbucks/Dunkin Donuts?
Replies: 142
Views: 8976

Re: Do you tip at Starbucks/Dunkin Donuts?

Nope, never. But that's probably because I never patronize these establishments.
by livesoft
Wed Mar 22, 2023 3:17 pm
Forum: Personal Consumer Issues
Topic: Beach trip recommendations - Gulf Coast (Not Tx/FL)
Replies: 23
Views: 1871

Re: Beach trip recommendations - Gulf Coast (Not Tx/FL)

joechristmas wrote: Wed Mar 22, 2023 1:42 pm Bolivar - Pro: Quiet; Con: Not easy to get to
[...]
Thanks, been to all those more than once over the past 45 years. Our favorite is Mustang Island halfway between Port A and Corpus. I don't care about "recreation" myself as just running in the morning along the deserted shoreline is all I need. But folks can play golf in Corpus and take fishing trips out of Port A. A plus is that the sand there is superb for sand castle building because the amount of silt and oil allows for towering structures that you cannot make with sand from other beaches.
by livesoft
Wed Mar 22, 2023 1:32 pm
Forum: Personal Consumer Issues
Topic: Beach trip recommendations - Gulf Coast (Not Tx/FL)
Replies: 23
Views: 1871

Re: Beach trip recommendations - Gulf Coast (Not Tx/FL)

Since you've been to the Texas beaches already, I would not mind reading a sentence or two about all the ones you have been to with one good point and one bad point about each of them. Thanks!
by livesoft
Wed Mar 22, 2023 11:30 am
Forum: Investing - Theory, News & General
Topic: Risk of being out of the market
Replies: 56
Views: 5974

Re: Risk of being out of the market

If one can make partial transfers as already noted AND if one is not 100% equities, then doing a transfer can be easy. Repeat until done: 1. Transfer existing cash allocation. In existing account: Sell some bond fund shares when bond funds are not volatile or they have popped. For instance, today the FOMC has a press conference and something will happen to bond fund shares later today, so it could be a good day or not. 2. Transfer cash from sold funds. 3. After successful transfer: Exchange bonds+cash into equity funds in new account. On same day in old account: Exchange equity funds into cash. 4. Repeat Steps 2 and 3. Until all transferred. There would no zero days that hasn't kept equity allocation intact and a maybe a few days when bond ...
by livesoft
Wed Mar 22, 2023 10:06 am
Forum: Investing - Theory, News & General
Topic: How to optimize disallowed loss carryover
Replies: 3
Views: 336

Re: Disallowed loss carryover

I think an answer would be:

1. Import your 1099-B into your tax-prep software.

2. Your tax-prep software will do the right thing. Look at your Form 1040 Schedule D to understand what your tax-prep software did.

Remember (after wash sale losses are used to adjust cost basis and in doing so become unrealized):
a. Long-term loss offset Long-term gains.
b. Short-term loss offset Short-term gains.
c. Leftover losses offset leftover gains.
d. Any more leftover losses offset up to $3,000 of ordinary income (i.e. you already offset ALL realized capital gains)
e. Any more leftover losses get carried over the the next year.

I think you have assume that the short cannot offset long and that long cannot offset short. They can as described above.
by livesoft
Tue Mar 21, 2023 3:57 pm
Forum: Personal Consumer Issues
Topic: Lawn Care Advice
Replies: 10
Views: 919

Re: Lawn Care Advice

By "push mower" do you really mean a self-propelled walk-behind mower? I use my sport watch to time my mowing activity and distance walked. It isn't even 30 minutes a week, but I could do front and back on different days for say 15 minutes each.
by livesoft
Tue Mar 21, 2023 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Tax software preventing me to e-file
Replies: 9
Views: 1026

Re: H&R Tax software preventing me to e-file

nisiprius wrote: Tue Mar 21, 2023 6:44 am.... Single-sided on quality paper mailed flat.
FWIW, we save to a PDF and in anticipation of printing doubled-sided, we may add the occasional blank page for our own convenience (easy to do with any PDF editor including Preview on Mac/OSX). Many forms are 2-sides anyways as they come from the IRS if you got the hardcopy forms from the library or post office. That includes Form 1040, Schedule 1, 2, 3, .... So printing double-sided is our M.O.