Search found 56309 matches

by livesoft
Thu Nov 23, 2017 9:39 pm
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 31
Views: 1882

Re: Why does everyone keep increasing their international stock %?

Sell international and buy small-cap value or bonds. Be sure to check your market timing bands beforehand though.
by livesoft
Thu Nov 23, 2017 9:32 pm
Forum: Personal Consumer Issues
Topic: Any tips on gifts for employees?
Replies: 11
Views: 649

Re: Any tips on gifts for employees?

Cash is thoughtful, but gift cards make them think of you when they use them.
by livesoft
Thu Nov 23, 2017 9:26 pm
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 31
Views: 1882

Re: Why does everyone keep increasing their international stock %?

I think the main reason for recent increases is chasing performance. After all, international funds have finally outperformed US funds in 2017. It may be time to start rebalancing out of international funds for that reason.
by livesoft
Thu Nov 23, 2017 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Bucket or Rebalance ?
Replies: 16
Views: 1027

Re: Bucket or Rebalance ?

^There are more than 2000 discussions at bogleheads.org that have the word "best" in the thread title. Somebody does care about best things, but I don't disagree with you.
by livesoft
Thu Nov 23, 2017 2:59 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 110
Views: 11163

Re: VG wants everyone to transfer to a brokerage account?

abuss368 wrote:
Thu Nov 23, 2017 2:32 pm
Does Vanguard keep track of cost basis and accounting for brokerage accounts like they do for mutual fund accounts?
Yes, it is the law.
by livesoft
Thu Nov 23, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Check my portfolio
Replies: 12
Views: 950

Re: Check my portfolio

yncraig316 wrote:
Thu Nov 23, 2017 2:39 pm
.... 4 growth mutual funds.
Mutual funds do not need to have "growth" in their names for them to be growth mutual funds.
by livesoft
Thu Nov 23, 2017 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Portfolio Advisory service?
Replies: 13
Views: 740

Re: Fidelity Portfolio Advisory service?

I'm willing to pay for good advice--but is there such a thing as good, non-biased advice? Or should I just take the DIY path of splitting everything into three Vanguard Index Funds that cover the market and be done with it? Good, non-biased advice is rare to find and harder to pay for. It is easier...
by livesoft
Thu Nov 23, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 62
Views: 4967

Re: H&R Block Software

And Amazon.com with the 5% bonus offer is down to $35 for the PC download. I'm almost tempted, but not yet.
by livesoft
Thu Nov 23, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund vs Working Capital Fund -- Too Huge?
Replies: 7
Views: 733

Re: Emergency Fund vs Working Capital Fund -- Too Huge?

Are you going to ever make one of these deals again? Why?

As long as the CDs are paying more than the rate for US Treasuries, I don't see a problem, but call this investment part of your fixed income asset allocation.
by livesoft
Thu Nov 23, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 62
Views: 4967

Re: H&R Block Software

Ha! I tried hrblock.com twice in the past 3 minutes. Once the price was $44.95 and once it was $27.48. Go figure.
by livesoft
Thu Nov 23, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: best cordless drill??
Replies: 28
Views: 1172

Re: best cordless drill??

This is so subjective. You can google many legit reviews. I bought a Makita 18V one when it was on sale. It's great.
Expect to pay at least $90 for decent one.

See also: https://www.youtube.com/watch?v=ODf7760HwNY
Makita survived!
by livesoft
Thu Nov 23, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard Equivalents in new TDA commission free list
Replies: 9
Views: 823

Re: Vanguard Equivalents in new TDA commission free list

I like to tilt to small-cap value, so about 10% of my international is in DGS. I find it compelling when it goes up. Not so compelling when it goes down.
by livesoft
Thu Nov 23, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Bucket or Rebalance ?
Replies: 16
Views: 1027

Re: Bucket or Rebalance ?

I wonder what Richard Thaler says about a cash bucket.
by livesoft
Thu Nov 23, 2017 8:54 am
Forum: Investing - Theory, News & General
Topic: Vanguard Equivalents in new TDA commission free list
Replies: 9
Views: 823

Re: Vanguard Equivalents in new TDA commission free list

SPDW + SPEM seems OK, but the average market cap is higher than with VXUS. This can be addressed by adding in some DGS, too. For instance, 80% SPDW, 15% SPEM, and 5% DGS looks more similar to 100% VXUS when using morningstar.com's instant X-ray tool.
by livesoft
Thu Nov 23, 2017 2:55 am
Forum: Personal Consumer Issues
Topic: Public or Montessori Private School
Replies: 52
Views: 2994

Re: Public or Montessori Private School

I was not writing about Montessori at all. I was writing about graduates of the local public high school and the private high school.
by livesoft
Wed Nov 22, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Slanting International geographically or regionally
Replies: 19
Views: 742

Re: Slanting International geographically or regionally

Thanks for that observation. VSS/VFSVX is our largest single equity holding. Larger than VEA + VEU combined.
by livesoft
Wed Nov 22, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to withdraw from Inherited IRA in retirement?
Replies: 2
Views: 301

Re: Best way to withdraw from Inherited IRA in retirement?

Any cash-out of the inherited IRA will increase your AGI for really no benefit. That is, you can increase your AGI by the same amount with a Roth conversion for your benefit instead. In other words, instead of withdraw it all, just convert more of your own IRA to a Roth for the same tax hit. So just...
by livesoft
Wed Nov 22, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: What to do with portable basketball hoop in winter
Replies: 4
Views: 384

Re: What to do with portable basketball hoop in winter

Hmmm, never really thought about. My area has 2 to 4 hard freezes each year. Our water-filled goal base has never leaked in 18 years of outdoor use. I doubt it has ever frozen solid all the way through. I'm interested in the experiences of others.
by livesoft
Wed Nov 22, 2017 6:33 pm
Forum: Investing - Theory, News & General
Topic: Case study Broker trade executions
Replies: 151
Views: 16548

Re: Case study Broker trade executions

Ha! Maybe I will always buy odd lots from now on in order to get better prices. :)
by livesoft
Wed Nov 22, 2017 5:29 pm
Forum: Investing - Theory, News & General
Topic: Case study Broker trade executions
Replies: 151
Views: 16548

Re: Case study Broker trade executions

Yes, trades placed today and today's volume in DGS was about 25% of the reported Average Daily Volume. From what I see now, buy transaction is stated to have occurred at 12:08:18 and the sell at 12:08, but they were surely executed within 1 second of each other (as fast as I could click "confirm" in...
by livesoft
Wed Nov 22, 2017 4:08 pm
Forum: Investing - Theory, News & General
Topic: Case study Broker trade executions
Replies: 151
Views: 16548

Re: Case study Broker trade executions

Yes, these were market orders of more than 100 shares. The actual spread when I placed these orders was not 20 cents, but I think was under 3 cents.
by livesoft
Wed Nov 22, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Making collegebound Kid Financially Savvy Questions..
Replies: 38
Views: 1719

Re: Making collegebound Kid Financially Savvy Questions..

Want to make them financially savvy? That's easy: Take away ALL their money. That long-term savings account, withdraw all of it and put it in your checking account where she can't get to it.

My son is home for the holiday. I asked him what his last meal was: Ramen noodles. Perfect.
by livesoft
Wed Nov 22, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Public or Montessori Private School
Replies: 52
Views: 2994

Re: Public or Montessori Private School

We sent our daughter to the absolutely best private kindergarten in our county. She had to apply, pass exams, and get interviewed (and so did her parents). After that kindergarten we sent her to public school for grades 1-12. At the time in our area, private kindergarten was a full-day program, but ...
by livesoft
Wed Nov 22, 2017 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Did you end up overfunding a 529?
Replies: 13
Views: 933

Re: Did you end up overfunding a 529?

Maybe. My son has about $9,000 in expenses to go for an undergraduate degree, but more than $26,000 in his 529 plan. He should go on to graduate school though. My daughter went to a more expensive university with about the same assets in her 529 plan. When she received her M.S. her 529 plan was exha...
by livesoft
Wed Nov 22, 2017 12:50 pm
Forum: Investing - Theory, News & General
Topic: Case study Broker trade executions
Replies: 151
Views: 16548

Re: Case study Broker trade executions

Since TDAmeritrade now has DGS on its no-commission list, I decided to start purchasing shares of DGS at TDAmeritrade. I like the amount of shares that I already have, so I don't want to change the number of DGS shares I own in total across all my accounts now. Thus, when I bought shares of DGS at T...
by livesoft
Wed Nov 22, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: How do you define success in your life?
Replies: 46
Views: 1776

Re: How do you define success in your life?

Ron wrote:
Wed Nov 22, 2017 12:02 pm
After (almost) seven decades, I'm still waiting :oops: ...

- Ron
Then I must take you to lunch sometime. When are you available?
by livesoft
Wed Nov 22, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Transfer to a Vanguard Brokerage account?
Replies: 11
Views: 529

Re: Transfer to a Vanguard Brokerage account?

FWIW, I will probably acquiesce after the last December distribution is paid for the one fund in our Vanguard taxable mutual fund account. That way, I should not receive two different 1099-DIVs for that account: one for the pre-transition mutual fund distributions and one for the post-transition mut...
by livesoft
Wed Nov 22, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Any need for professional tax preparer?
Replies: 11
Views: 848

Re: Any need for professional tax preparer?

I don't see a need for a professional tax preparer. They make lots of mistakes anyways. If you wonder about TaxAct, just get another tax software to see if it makes a difference. Sometimes the "interview" questions highlight something that you didn't think about, but generally not. They all end up w...
by livesoft
Wed Nov 22, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: How do you define success in your life?
Replies: 46
Views: 1776

Re: How do you define success in your life?

Ron wrote:
Wed Nov 22, 2017 11:00 am
I don't. That's a question for others to answer, about me.

- Ron
Yes, I agree. So how often do folks take you to lunch or ask to have a photo taken with you? :)
by livesoft
Wed Nov 22, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Slanting International geographically or regionally
Replies: 19
Views: 742

Re: Slanting International geographically or regionally

TheTimeLord wrote:
Wed Nov 22, 2017 11:01 am
I was considering using VXUS the baseline and would consider any regional holdings in addition to my VXUS to be a slant towards that region and away from the other regions.
VXUS may already be slanted due to Brexit, Grexit, and other things.
by livesoft
Wed Nov 22, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Transfer to a Vanguard Brokerage account?
Replies: 11
Views: 529

Re: Transition to a Vanguard Brokerage account?

This is the old upgrade notice from Vanguard that has had many many bogleheads.org threads about it. In the early days of these notices posters were mildly upset, but mostly folks have acquiesced on the issue. BTW, the thread title is "Transfer", but the Vanguard message is "Transition" which is not...
by livesoft
Wed Nov 22, 2017 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Slanting International geographically or regionally
Replies: 19
Views: 742

Re: Slanting International geographically or regionally

How would you know if you are slanted regionally anyways? What tool or metric would you use to analyze your portfolio that would tell you that? And why would you believe such a tool, calculator, or metric anyways? I'll add a couple of figures to this post in a moment. Vanguard Portfolio Watch has th...
by livesoft
Wed Nov 22, 2017 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Advice to become wealthy
Replies: 58
Views: 4844

Re: Advice to become wealthy

For many people, simply growing old makes them wealthy in their minds and often in their pocketbooks as well.
"Time isn't holding us; time isn't after us." -- Talking Heads

https://www.youtube.com/watch?v=98AJUj-qxHI

"Same as it ever was."
by livesoft
Wed Nov 22, 2017 7:21 am
Forum: Investing - Help with Personal Investments
Topic: FTIPX in tIRA, any concern about foreign tax?
Replies: 5
Views: 317

Re: FTIPX in tIRA, any concern about foreign tax?

I also don't worry about having international in an IRA, 401(k), Roth or other tax-advantaged account. Of course, if I have a fund in a taxable account, then I take the foreign tax credit if my 1099-DIV shows I paid foreign taxes. What I do worry about is having too many foreign dividends in taxable...
by livesoft
Wed Nov 22, 2017 7:17 am
Forum: Investing - Theory, News & General
Topic: Minimizing capital gains assuming FIFO basis
Replies: 24
Views: 1410

Re: Minimizing capital gains assuming FIFO basis

libralibra wrote:
Wed Nov 22, 2017 4:24 am
You could quickly complete your non-FIFO tax loss harvesting now, before you have to make that "assumption".
Folks should complete their tax-loss harvesting each year anyways. Indeed, with prices where they are today, there should be no tax-loss harvesting opportunities at the present time.
by livesoft
Tue Nov 21, 2017 10:17 pm
Forum: Investing - Theory, News & General
Topic: Minimizing capital gains assuming FIFO basis
Replies: 24
Views: 1410

Re: Minimizing capital gains assuming FIFO basis

One is using FIFO, not average cost. :) To me First-In, First-out identifies the shares sold and NOT the Cost Basis Method. For mutual fund (but not stocks and not ETFs), the First-In shares could have a cost basis method of Average Cost or Actual Cost. Stocks and ETFs must use Actual Cost no matte...
by livesoft
Tue Nov 21, 2017 9:40 pm
Forum: Investing - Theory, News & General
Topic: DISTRIBUTIONS
Replies: 9
Views: 1191

Re: DISTRIBUTIONS

I do Roth conversions, but I pay the tax with money that doesn't come from the IRA.

But your post is quite uninformative.
by livesoft
Tue Nov 21, 2017 9:36 pm
Forum: Investing - Theory, News & General
Topic: Minimizing capital gains assuming FIFO basis
Replies: 24
Views: 1410

Re: Minimizing capital gains assuming FIFO basis

If one is using Average Cost and has purchased shares recently at a higher price than the First In shares, then that will help minimize capital gains. Otherwise, sell fewer shares which will also minimize capital gains.
by livesoft
Tue Nov 21, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: IRA at TIAA - optimize expense charges?
Replies: 6
Views: 401

Re: IRA at TIAA - optimize expense charges?

I have had money at TIAA for more than 30 years. I would rollover the IRA to Vanguard.

Did you see this about TIAA? -> https://www.nytimes.com/2017/11/13/your ... -403b.html
by livesoft
Tue Nov 21, 2017 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Best Taxable Account Option - Vanguard Core Bond, REIT, or Global Wellington
Replies: 9
Views: 777

Re: Question about Best Taxable Account Option - Vanguard Core Bond, REIT, or Global Wellington

You should adjust your desired funds and perhaps your desired asset allocation. In my mind, an asset allocation is not a list of funds, but a list of asset classes. For instance bonds is an asset class or maybe fixed income is really the asset class. Since your Core Bond and Wellington have fixed in...
by livesoft
Tue Nov 21, 2017 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Post for Livesoft
Replies: 34
Views: 5035

Re: Post for Livesoft

I think turning a ~4% YTD into a personal one that is 3x that, via turnover, is more impressive than getting lucky and going all in 3 months ago. I don't know. Think of the possibilities: Trade (churn) 6 or 7 times with no gains or small losses, but end up with a buy 3 months ago and hold until tod...
by livesoft
Tue Nov 21, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Transportation from Orlando Airport to Port Canaveral
Replies: 5
Views: 509

Re: Transportation from Orlando Airport to Port Canaveral

Doesn't cruisecritic.com have all the answers?
by livesoft
Tue Nov 21, 2017 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Post for Livesoft
Replies: 34
Views: 5035

Re: Post for Livesoft

I am not recommending anything in the traditional sense. I don't recommend Buy, Hold, and Rebalance in the traditional sense. And I don't recommend Market Timing in the traditional sense.
by livesoft
Tue Nov 21, 2017 12:29 am
Forum: Investing - Help with Personal Investments
Topic: Do I need a cash reserve
Replies: 7
Views: 864

Re: Do I need a cash reserve

You don't need a cash reserve. Period.

See also: https://earlyretirementnow.com/2017/03/ ... h-cushion/

I predict that you will keep hearing conflicting things about a cash reserve.
by livesoft
Mon Nov 20, 2017 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Help w/ NY state tax return and attachments
Replies: 3
Views: 340

Re: Help w/ NY state tax return and attachments

Thanks for all the responses. HRBlock tax software would not allow e-filing because of the Attachment for Line 18. I think there will always be at least 2 adjustments for Line 18: The actual 401(k) contribution and half the SS and medicare taxes, thus HRBlock puts "See Attachment" in the space and c...
by livesoft
Mon Nov 20, 2017 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Slice and Dice
Replies: 36
Views: 2410

Re: Slice and Dice

Some years it adds a lot and some years it doesn't. There is no way to predict the future. As for managing lots of funds, I will say that you can have lots of funds and not manage them at all, so I am not sure what you mean by managing. That is, just because you own shares in a fund it does not mean...
by livesoft
Mon Nov 20, 2017 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Add international value?
Replies: 10
Views: 1089

Re: Add international value?

For your reading pleasure: Simplified Merriman, less funds, same or better performance: https://www.bogleheads.org/forum/viewtopic.php?t=38374 I don't own any international value except DGS and have done fine without it. If you like symmetry (and who doesn't?), then why not 4 funds equally weighted?
by livesoft
Mon Nov 20, 2017 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Post for Livesoft
Replies: 34
Views: 5035

Re: Post for Livesoft

Wow that is an impressive feat with the small-cap fund! I am 100% equity, with 20% US SCV (VIOV), so not as well setup for such a maneuver. I don't think it was so impressive. Your VIOV has a 3-month performance of 12.7%. So you just needed to buy shares 3 months ago. :twisted: For some performance...