Search found 59792 matches

by livesoft
Mon Apr 23, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Shrub removal - Village/HOA permits needed?
Replies: 9
Views: 542

Re: Shrub removal - Village/HOA permits needed?

Did you ask your neighbors?

If you are going to plant a different plant, then you probably would not want to use herbicide to kill the existing plants.
by livesoft
Mon Apr 23, 2018 1:39 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: How Investors Undermine Returns
Replies: 5
Views: 854

Re: Larry Swedroe: How Investors Undermine Returns

OK, but should I sell my REIT index fund now at a loss? Or buy more? :twisted:
by livesoft
Mon Apr 23, 2018 11:57 am
Forum: Investing - Help with Personal Investments
Topic: My taxable account is banged up. Need some help!
Replies: 19
Views: 1855

Re: My taxable account is banged up. Need some help!

If you sell your bond fund(s) in taxable at a loss, then I think you should avoid buying shares of a substantially identical bond fund in your IRA(s) for 30 days after selling in taxable and also 30 days before selling in taxable. If I do the transition immediately, I won't get the write off? Perha...
by livesoft
Mon Apr 23, 2018 8:46 am
Forum: Investing - Help with Personal Investments
Topic: My taxable account is banged up. Need some help!
Replies: 19
Views: 1855

Re: My taxable account is banged up. Need some help!

If you sell your bond fund(s) in taxable at a loss, then I think you should avoid buying shares of a substantially identical bond fund in your IRA(s) for 30 days after selling in taxable and also 30 days before selling in taxable.
by livesoft
Mon Apr 23, 2018 8:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard Surveys
Replies: 15
Views: 1098

Re: Vanguard Surveys

Did any of the improvements you suggested show up? The most recent survey was last week, so I am sure there was no chance to make my suggested improvements. But in the past, some of my suggestions were implemented. I may not have been the only one to make the same suggestion nor the first one to ma...
by livesoft
Mon Apr 23, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: Nick Murray and bonds
Replies: 17
Views: 1587

Re: Nick Murray and bonds

A one-year period is 12 months long.

Between January 1926 and September 2010 there were a total of 1006 possible one-year periods.

In 375 of those periods bonds beat stocks.
by livesoft
Mon Apr 23, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: 'Basic' phones that work with Lyft & Uber?
Replies: 12
Views: 798

Re: 'Basic' phones that work with Lyft & Uber?

Don't you need to use the Uber or Lyft apps and not a browser?
by livesoft
Sun Apr 22, 2018 6:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Surveys
Replies: 15
Views: 1098

Re: Vanguard Surveys

I responded to a recent Vanguard survey. I thought it was nice that I was able to tell them how to improve their web site in specific ways. One survey question was something like, "Can we call you to discuss this further? Yes/No." So this is YOUR chance to suggest improvements for everybody. Folks ...
by livesoft
Sun Apr 22, 2018 6:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Surveys
Replies: 15
Views: 1098

Re: Vanguard Surveys

I responded to a recent Vanguard survey. I thought it was nice that I was able to tell them how to improve their web site in specific ways. One survey question was something like, "Can we call you to discuss this further? Yes/No." So this is YOUR chance to suggest improvements for everybody. Folks w...
by livesoft
Sun Apr 22, 2018 6:16 pm
Forum: Investing - Theory, News & General
Topic: Nick Murray and bonds
Replies: 17
Views: 1587

Re: Nick Murray and bonds

Resuscitating this Topic to ask livesoft: livesoft, 1. Have the frequency and or the extent of the bond outperformance over stocks over long periods of time been so significant for this to even be a factor in deciding how much or whether to hold bonds? 2. If the answer/s is/are "yes", will this "so...
by livesoft
Sun Apr 22, 2018 8:45 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 7821

Re: Boglehead Philosophy Open To Change?

snarlyjack wrote:
Sun Apr 22, 2018 8:32 am
This would help the Bogleheads &
the forum. The forum could grow quite substantially.
So that big sucking sound putting the FIRE bloggers out of business would be bogleheads.org? Is that really what they want? They would not be able to FIRE then.
by livesoft
Sun Apr 22, 2018 8:39 am
Forum: Investing - Help with Personal Investments
Topic: How much does tinkering hurt returns?
Replies: 16
Views: 1430

Re: How much does tinkering hurt returns?

Nobody can really tell you how much your tinkering will hurt or help your returns. All of the posts in this thread have no data to back up their claims except for nedsaid. There are studies that show that some people who trade more do not do as well that trade less, too. But then it only takes one e...
by livesoft
Sat Apr 21, 2018 8:54 am
Forum: Investing - Help with Personal Investments
Topic: wash sale for IRA?
Replies: 6
Views: 399

Re: wash sale for IRA?

I have total US stock and total international stock in everything: traditional IRA and Roth IRA and even 401(k) and taxable. Never was a big deal for me.
by livesoft
Sat Apr 21, 2018 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Should I continue to hold REITs?
Replies: 48
Views: 3527

Re: Should I continue to hold REITs?

A Chinese shopping mall has been called ... the most expensive display advertising in history. The problem is there has been overinvestment. When I went to China, I noticed that the malls did not seem to actually be *selling* much? Chinese tend to go find a local trader and haggle over the price, I...
by livesoft
Fri Apr 20, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: mutual funds or etfs, why each
Replies: 21
Views: 1285

Re: mutual funds or etfs, why each

boardwalkmike wrote:
Fri Apr 20, 2018 1:18 pm
why pick mutual funds over etf's
Because you have anxiety attacks when you submit an ETF order, but not a mutual fund order.

Because you have more control over the price you pay for the ETF shares and that can backfire and kick regret back into your face.
by livesoft
Fri Apr 20, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: stocks gifted and new basis?
Replies: 7
Views: 388

Re: stocks gifted and new basis?

@Gill, thanks! Will you please let us know if they respond? I guess somebody else can tell us if the article is ever modified.
by livesoft
Fri Apr 20, 2018 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: stocks gifted and new basis?
Replies: 7
Views: 388

Re: stocks gifted and new basis?

You should send e-mail to the address noted in the article. Point them to IRS Publication 550.
by livesoft
Fri Apr 20, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: Newborn- essential financial steps
Replies: 16
Views: 1227

Re: Newborn- essential financial steps

Get her a job modeling and posing for photographs for advertisements.
by livesoft
Fri Apr 20, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard MM Fund Question
Replies: 3
Views: 417

Re: Vanguard MM Fund Question

Try it right now. Contribute $5 in the next few minutes. What happened?
by livesoft
Fri Apr 20, 2018 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard MM Fund Question
Replies: 3
Views: 417

Re: Vanguard MM Fund Question

Yes, you can just continue to contribute to your settlement account as normal.
by livesoft
Fri Apr 20, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Should I continue to hold REITs?
Replies: 48
Views: 3527

Re: Should I continue to hold REITs?

If you aren't committed to REITs ... and it certainly seems that you are not ... then you should sell and take your losses now. Otherwise, you would be buying more without a second thought. I think the money you have in REITs will be more productive elsewhere at this time. If VNQ has a RBD, then I w...
by livesoft
Fri Apr 20, 2018 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: How do you compare VNQ vs SP500?
Replies: 18
Views: 891

Re: How do you compare VNQ vs SP500?

The really simple answer is you don't compare them to each other.
by livesoft
Fri Apr 20, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: SpecID not yet available
Replies: 3
Views: 501

Re: SpecID not yet available

And on the non-covered shares, I believe that is a thing with all brokerages. Both TDAmeritrade and WellsTrade have always had perfect records of our non-covered shares, so that we could use Specific Identification. Both would report accurate cost basis to me for non-covered shares, but would also ...
by livesoft
Fri Apr 20, 2018 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Opinion on Vanguard Personal Advisor Services
Replies: 12
Views: 1476

Re: Opinion on Vanguard Personal Advisor Services

And here is a link to another very good discussion of Vanguard PAS:

viewtopic.php?f=2&t=236085
by livesoft
Fri Apr 20, 2018 7:51 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Chasing Returns A Hard Catch
Replies: 2
Views: 379

Re: Larry Swedroe: Chasing Returns A Hard Catch

The article concludes
A better use of historical performance relegates it to a secondary role, the primary focus being an a priori analysis of a manager’s investment process (security selection and trading strategy).
Does that hint that a particular trading strategy can have benefits?
by livesoft
Fri Apr 20, 2018 7:07 am
Forum: Investing - Help with Personal Investments
Topic: Opinion on Vanguard Personal Advisor Services
Replies: 12
Views: 1476

Re: Opinion on Vanguard Personal Advisor Services

And TLH is a dual edge sword. It makes sense if you are going to buy and hold and leave the proceeds to your heirs just pulling the dividends in retirement. It makes less sense, in part depending on your current tax rate relative to your retirement tax rate, because by doing the TLH you essentially...
by livesoft
Fri Apr 20, 2018 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Financial planners [looking for one]
Replies: 26
Views: 1911

Re: Financial planners [looking for one]

A fluff piece on financial planners in the NYTimes today:
https://www.nytimes.com/2018/04/20/smar ... anner.html

Unfortunately, it does not inform one about all the problems with financial planners. They ain't all good guys and gals.
by livesoft
Thu Apr 19, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: managing travel expectations
Replies: 3
Views: 645

Re: managing travel expectations

Couples don't have to travel together. They can go to different places and at different times. One can stay home. I am going camping in the Sierras soon by myself. My spouse will stay home and walk the dog. My spouse went to Cuba with her girlfriends last month. I stayed home and walked the dog. But...
by livesoft
Thu Apr 19, 2018 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Pay the Taxman or the Financial Adviser/Fund Manager?
Replies: 5
Views: 507

Re: Pay the Taxman or the Financial Adviser/Fund Manager?

You would pay 22% of any money put into the taxable account first before you would buy one single share of VTI. With the 401(k), you would not pay that 22% at first.
by livesoft
Thu Apr 19, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Cash [Balance] Avoidance with TD Ameritrade ETFs
Replies: 8
Views: 432

Re: Cash [Balance] Avoidance with TD Ameritrade ETFs

I cannot judge intuitive for you. I can write that I am undaunted when it comes to teaching myself things and figuring things out for myself.
by livesoft
Thu Apr 19, 2018 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap Value Tilt in Roth IRA or 401k?
Replies: 3
Views: 370

Re: Small Cap Value Tilt in Roth IRA or 401k?

Maybe you don't want to do that because putting small-cap value in a Roth has the greatest potential for loss.
by livesoft
Thu Apr 19, 2018 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Cash [Balance] Avoidance with TD Ameritrade ETFs
Replies: 8
Views: 432

Re: Cash [Balance] Avoidance with TD Ameritrade ETFs

You can get your cash balance easily to less than the value of one (1) share of SPTM. Example: Submit orders for 1000, 1000, 1000 shares. Then for 100 shares. Then for 20 shares. When they all execute you will know how much cash you have left. Then for whatever remaining cash you have that will get ...
by livesoft
Thu Apr 19, 2018 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Cash [Balance] Avoidance with TD Ameritrade ETFs
Replies: 8
Views: 432

Re: Cash [Balance] Avoidance with TD Ameritrade ETFs

It doesn't cost you any commission to buy, so you can submit many orders to buy if you wanted. The order size could be 100, 200, 500, 1000 or whatever shares. You can submit some limit orders and some market orders. You can have many orders waiting to execute. You can even modify or cancel orders th...
by livesoft
Thu Apr 19, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest $950,000 over next 45-90 days
Replies: 27
Views: 3364

Re: How to invest $950,000 over next 45-90 days

Factor1 wrote:
Thu Apr 19, 2018 7:11 pm
Should I be looking at auction or secondary?

Is this where I should be?
You can look at both auction and secondary. If you ask Morgan Stanley for suggestions, they can give you the CUSIP numbers and you can just plug those into the search box at Vanguard and Fidelity to see the story.
by livesoft
Thu Apr 19, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new Toyota.[my fault comparing apples and oranges]
Replies: 29
Views: 2227

Re: Negotiating for a new Toyota.

Don't buy from this dealer.

They know you have bought from them twice before. They know what kind of deal they gave you. They are probably basing their prices on the past deals they gave you.
by livesoft
Thu Apr 19, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Good Dad, Bad Dad [pay for son's driving expenses (or not)]
Replies: 49
Views: 3415

Re: Good Dad, Bad Dad

Our kids got licenses soon enough and from then on were always driving when I was in the car, so that they had plenty of practice before going off to college where they did not have cars, but drove their friends' cars. Even now, I make them drive whenever they come home because I want them to always...
by livesoft
Thu Apr 19, 2018 3:30 pm
Forum: Investing - Theory, News & General
Topic: 2017 Relative Tax Efficiency
Replies: 37
Views: 5033

Re: 2017 Relative Tax Efficiency

Well, I have ridden my bike faster than the speed of light: I started at the top of a steep hill and just took off. I pedaled faster and faster in the top gear, but the real trick was I reached over to my left wrist where my analog watch was and pulled the stem out. Then I turned the minute hand bac...
by livesoft
Thu Apr 19, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: 2017 Relative Tax Efficiency
Replies: 37
Views: 5033

Re: 2017 Relative Tax Efficiency

I think that if I bought the shares on the last day of the year, then I would probably have no tax liability that year created by those shares.
by livesoft
Thu Apr 19, 2018 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest $950,000 over next 45-90 days
Replies: 27
Views: 3364

Re: How to invest $950,000 over next 45-90 days

Yes, I saw 4 week T-bills yesterday at 1.66% but I believe those come with some costs, right? No costs at a few places, but I would be surprised if Morgan Stanley was one of those places. Nevertheless, T-bills are probably the best place if the money must be kept at Morgan Stanley. You can easily c...
by livesoft
Thu Apr 19, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 4068

Re: Another discussion about private vs public schools?

Relax. In the early 1970's I went to a public high school that I found out later was nationally ranked. I would not have known it at the time. I had many AP course (yes, in the 1970s) and eventually went on to get a PhD. It was located in the South. We live in a public school system that is outstand...
by livesoft
Thu Apr 19, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Help with rebalancing retirement accounts
Replies: 5
Views: 520

Re: Help with rebalancing retirement accounts

I would not sell the 500 index at a gain in taxable in order to make any rebalancing moves unless the gain was not taxed because you are in a very low income tax bracket and won't pay state income taxes on it. Whether you stop adding to it and buy Total US Stock Market Index fund going forward will ...
by livesoft
Thu Apr 19, 2018 6:00 am
Forum: Investing - Theory, News & General
Topic: Goof? Prime MM, "retail," "Admiral," $5 million minimum?
Replies: 20
Views: 2614

Re: Goof? Prime MM, "retail," "Admiral," $5 million minimum?

It is probably a fund that some people use when they transfer assets to Vanguard and then DCA into their longer term investments. It plays to the mental accounting and behavioral finance aspects of rational investors.

Full disclosure: I have no money in this fund.
by livesoft
Wed Apr 18, 2018 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Consulting income-how to manage taxes?
Replies: 11
Views: 949

Re: Consulting income-how to manage taxes?

I wonder what the use of the word "our" actually means here. Do both spouses work and have plans?
by livesoft
Wed Apr 18, 2018 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds vs. Fixed/Guaranteed Income
Replies: 21
Views: 2012

Re: Bonds vs. Fixed/Guaranteed Income

The yield aka interest-rate aka return paid by the stable value will most certainly not be stable at 2.52%. It will vary over time.
by livesoft
Wed Apr 18, 2018 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: ETFs for cash savings
Replies: 8
Views: 908

Re: ETFs for cash savings

BIL is also pretty much like a money market fund.

But 3-4 years out? I would use equities myself such as VTI.
by livesoft
Wed Apr 18, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: Lack of FDIC Insurance a big deal?
Replies: 39
Views: 3518

Re: Lack of FDIC Insurance a big deal?

Why would you be suspicious of using 1-3 month T-bills for a money market fund. I can't think of a safer MMF than one that exclusively used such instruments. Would you rather they used commercial paper like the Reserve Fund? I guess I wasn't too clear. I am concerned about bait-and-switch. T-bills ...
by livesoft
Wed Apr 18, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to argue for S&P
Replies: 15
Views: 943

Re: How to argue for S&P

One is a multinational mid-cap growth fund and the other is a US large-cap blend fund. Cue: Mel Lindauer.
by livesoft
Wed Apr 18, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: How do you know what price to negotiate when buying a used car?
Replies: 28
Views: 1562

Re: How do you know what price to negotiate when buying a used car?

Calling all car shopper experts :moneybag ! I'm in the market for a certified 2015 Camry and need to gauge the right price to base my negotiations with the dealer. I used the Kelly Blue Book estimate but it only gives me a range and for the car that I want, the dealer's price is within the KBB rang...
by livesoft
Wed Apr 18, 2018 5:17 pm
Forum: Investing - Theory, News & General
Topic: Wellesley January Price Drop? Why?
Replies: 27
Views: 3213

Re: Wellesley January Price Drop? Why?

Wellesley performance has been underwhelming this year, compared to other funds IN IT'S CATEGORY. It's currently in the bottom 7% of all "Allocation - 30-50% equity" funds YTD according to M*. Like many close to ER, I have sizable investments in Wellesley and have always considered it my "sleep wel...