Search found 58095 matches

by livesoft
Wed Jan 24, 2018 4:48 am
Forum: Investing - Theory, News & General
Topic: Consolidate tax lots in Roth IRA?
Replies: 12
Views: 438

Re: Consolidate tax lots in Roth IRA?

I don't see a problem with consolidating the purchase lots. Go ahead and do it. How are you going to do it? I don't think you want to be out of the market for even one day, do you? Whenever I am rebalancing in tax-advantaged accounts, I sell all the small lots that I can in order to simplify the pre...
by livesoft
Wed Jan 24, 2018 4:00 am
Forum: Investing - Help with Personal Investments
Topic: Should I reinvest dividends in a taxable account?
Replies: 2
Views: 137

Re: Should I reinvest dividends in a taxable account?

I don't think it is going to matter to you either way. I think you should try it both ways and see what suits you. You can always easily change from automatically reinvesting dividends to just having them go into your settlement account or vice versa. If the amount invested is not large and produces...
by livesoft
Tue Jan 23, 2018 8:55 pm
Forum: Investing - Theory, News & General
Topic: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?
Replies: 40
Views: 3056

Re: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?

Pajamas wrote:
Tue Jan 23, 2018 8:33 pm
What is much more likely is that ....
What a great reply! Thanks!
by livesoft
Tue Jan 23, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Best Tax Software for Backdoor Roth
Replies: 11
Views: 488

Re: Best Tax Software for Backdoor Roth

I’ve tried the online ones and have had trouble, which might be my problem. I tried Turbo Tax online and it wouldn’t let me go to my forms and change and add a form. Is the functionality of the downloadable versions more robust? I just don’t want to buy something that won’t work. I don't know about...
by livesoft
Tue Jan 23, 2018 8:07 pm
Forum: Investing - Theory, News & General
Topic: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?
Replies: 40
Views: 3056

Re: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?

That's a bit deceptive because the labor force participation rate has decreased significantly from about 67% in 2001 to about 63% now, back below where it was in 1980. When you add that 4-5% back to the unemployment rate, it doesn't look so good. It is also important to understand the way the unemp...
by livesoft
Tue Jan 23, 2018 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: 50% of my portfolio in FANG - 15% in NVDA
Replies: 21
Views: 1278

Re: 50% of my portfolio in FANG - 15% in NVDA

broslami wrote:
Tue Jan 23, 2018 7:41 pm
Is this strategy awesome or am I setting myself up for doom?
I'd hazard a guess that it is somewhere between those two outcomes. I will also say that you will probably make changes over the next 20 years, too.
by livesoft
Tue Jan 23, 2018 7:36 pm
Forum: Investing - Theory, News & General
Topic: Kitces article: A cash bucket in retirement? Nope
Replies: 77
Views: 4780

Re: Kitces article: A cash bucket in retirement? Nope

@Katietsu, thanks for the link to the additional Kitces article. It shows psychology and behavioral finance in real life.
by livesoft
Tue Jan 23, 2018 7:00 pm
Forum: Investing - Theory, News & General
Topic: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?
Replies: 40
Views: 3056

Re: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?

I am not freaked out. I think folks are more focused on the rise in the market because year-to-date numbers are readily accessible, so there is a bit of representative bias here. There have been plenty of times when the stock market went up 6% or 7% in a few weeks, but you probably didn't notice. An...
by livesoft
Tue Jan 23, 2018 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: How good or bad is this portfolio?
Replies: 30
Views: 1532

Re: How good or bad is this portfolio?

I would like to know how much the purchase fees are at Schwab would be every month for those Vanguard funds. I think any fee over $0.00 would be more than I would want to pay.
by livesoft
Tue Jan 23, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Best Tax Software for Backdoor Roth
Replies: 11
Views: 488

Re: Best Tax Software for Backdoor Roth

I think the OP has not distinguished between something like Online-only TurboTax and downloaded Desktop TurboTax. I only use downloaded onto my own computer tax prep software and have never tried online versions. I use HRBlock and it works for me. I don't know about online HRBlock tax-prep software....
by livesoft
Tue Jan 23, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: Kitces article: A cash bucket in retirement? Nope
Replies: 77
Views: 4780

Re: Kitces article: A cash bucket in retirement? Nope

@Ron, so did your cash ever get depleted from 4 years to 3 years or 2 years of expenses? If not, then does that mean you actually used the rest of your portfolio for expenses through thick and thin and just used the cash for peace of mind?
by livesoft
Tue Jan 23, 2018 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about i401K @ TD Ameritrade
Replies: 7
Views: 301

Re: Questions about i401K @ TD Ameritrade

I believe TDAmeritrade i401k does allow for "in-service" rollovers, but I think the boilerplate legal document has set age 62 as the earliest age for that which is not age 59.5 in some other 401(k) plans.
by livesoft
Tue Jan 23, 2018 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Rule of 55 is it official?
Replies: 37
Views: 4590

Re: Rule of 55 is it official?

@Spirit Rider, Thanks!
by livesoft
Tue Jan 23, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Questions about 3 Fund, ETFs and Mutual Funds
Replies: 4
Views: 219

Re: Questions about 3 Fund, ETFs and Mutual Funds

I place all my bond funds in my tax-deferred accounts which are traditional IRA and traditional 401(k) and traditional 403(b). I do not have any bond funds in my Roth IRAs nor in my taxable accounts. I have many reasons for doing it this way: 1. Bond income does not show up on my tax return (except ...
by livesoft
Tue Jan 23, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Using disinfecting wipes to clean surfaces
Replies: 27
Views: 1113

Re: Using disinfecting wipes to clean surfaces

I have only seen OCD people do this, but it seems like a good idea. I have no idea how the maids clean knobs.
by livesoft
Tue Jan 23, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Which tropical Island to Retire to ?
Replies: 38
Views: 2885

Re: Which tropical Island to Retire to ?

^I won't argue with the beach differences except to say that Texas beaches have the best sand for sand castle building. It is siltier and has just the right amount of oil and tar glue to allow very tall castles without any extra work. You can't build the same architecturally inspired castles with Fl...
by livesoft
Tue Jan 23, 2018 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to give up on bond fund, Lost 2.25% past 6 months
Replies: 76
Views: 8221

Re: Ready to give up on bond fund, Lost 2.25% past 6 months

rgs92 wrote:
Tue Jan 23, 2018 1:16 pm
There could easily be some sort of incident that leads to a flight-to-quality (geopolitical of all sorts; remember Brexit?).
Brexit was a fantastic buying opportunity where investors made 10% or so in about a week, so I am not sure that's the example you want to use. :)
by livesoft
Tue Jan 23, 2018 3:00 pm
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 66
Views: 4085

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

ny_knicks wrote:
Tue Jan 23, 2018 2:38 pm
Again I believe the answer is pretty templated: bonds in taxable and stocks in tax-deferred.
I have bond funds only in tax-deferred and also equities in all accounts (taxable, tax-deferred, and Roth).
by livesoft
Tue Jan 23, 2018 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Help with ETF Portfolio?
Replies: 4
Views: 186

Re: Help with ETF Portfolio?

How about taking a step back and tell us what your goals for this money are AND what your desired asset allocation is without reference to any ETFs whatsoever. Also which broker are you using, because if you are paying commissions for any of these, then you are probably doing it in a way that I woul...
by livesoft
Tue Jan 23, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about i401K @ TD Ameritrade
Replies: 7
Views: 301

Re: Questions about i401K @ TD Ameritrade

I am going to start a new i401k and would prefer to stick with TDA since that is where the rest of my accounts are. For those of you that are familiar with their i401K, could you please answer the following? 1. Can you have both Roth and Traditional i401Ks on the same plan? I'll need to contribute ...
by livesoft
Tue Jan 23, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: Why hold total bond market fund when 7 year CDs yield more?
Replies: 21
Views: 2266

Re: Why hold total bond market fund when 7 year CDs yield more?

I bought more total bond index fund yesterday. I bought it because it was down 1% YTD and I was rebalancing from equities (up 6% YTD) into bonds following my asset allocation plan. While many people talk about yield, I only care about Total Return. The yield on CD is its total return, but the yield ...
by livesoft
Tue Jan 23, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: ETF Equivalent to Mutual Funds
Replies: 9
Views: 454

Re: ETF Equivalent to Mutual Funds

I have a good idea, but I was just reading a post on lawn etiquette and reminded of ticker symbol etiquette. You are asking us to do work for you that is easy to do yourself. VXF BND VOO VXUS is one set of possibilities, but only if you get free trades at your broker for them. Note that I failed my ...
by livesoft
Tue Jan 23, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Lawn service etiquette
Replies: 22
Views: 1910

Re: Lawn service etiquette

Write up a contract for exactly what you want. Ask them to suggest changes. Tell them you think $700 for mulch is outrageous and unexpected. Tell them you are only going to pay them $300 for it. They will get the idea. I don't know the size of the area they are doing the upkeep for, but around here,...
by livesoft
Tue Jan 23, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Which tropical Island to Retire to ?
Replies: 38
Views: 2885

Re: Which tropical Island to Retire to ?

Galveston Island? Mustang Island? South Padre Island?

I imagine that health care on Galveston Island is outstanding.
by livesoft
Tue Jan 23, 2018 9:32 am
Forum: Investing - Help with Personal Investments
Topic: VNQ ETF -- Taxable? How is it any different than other ETFs?
Replies: 10
Views: 913

Re: VNQ ETF -- Taxable? How is it any different than other ETFs?

One doesn't have to wait to year-end to tax-loss harvest. However, if one sells VNQ at a loss now (likely since it is trading near its 52-week low), then one must be careful not to buy shares in an IRA or Roth until after at least 30 days past the sale date.
by livesoft
Tue Jan 23, 2018 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Starting Taxable Investing
Replies: 7
Views: 1002

Re: Starting Taxable Investing

I imagine after year 1 it's just another thing and won't be a big deal at all. Yes, it is just your mind acting up. When should I look at TLH? When you have losses in a purchase of more than a few hundred dollars. This is easy to see online. How long should I be fairly confident I am keeping the mo...
by livesoft
Tue Jan 23, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax and backdoor Roth IRA error?
Replies: 4
Views: 205

Re: TurboTax and backdoor Roth IRA error?

Lots of folks misinterpret the interview questions in tax prep software. One wrong answer leads the program down a different path. From this side of the internet, I cannot tell which answer of yours is wrong, but you might consult https://thefinancebuff.com/how-to-report-backdoor-roth-in-turbotax.ht...
by livesoft
Tue Jan 23, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: Kitces article: A cash bucket in retirement? Nope
Replies: 77
Views: 4780

Re: Kitces article: A cash bucket in retirement? Nope

When interest rates rise all but brokerage CDs hold their value vs say short term bonds that take a hit, at least for a short time, like many are currently. "... take a hit ..." is practically inflammatory. That's because short-term bond funds don't take a hit. They might get scratched, but their a...
by livesoft
Tue Jan 23, 2018 9:01 am
Forum: Investing - Theory, News & General
Topic: Kitces article: A cash bucket in retirement? Nope
Replies: 77
Views: 4780

Re: Kitces article: A cash bucket in retirement? Nope

+2 My thoughts exactly. As long as it is a relatively short term bucket with a pre-determined short term strategy I see it as a positive. Most disagree, but "most" don't delay filing for SS until age 70. I would never hold a large cash bucket as a long term strategy simply out of fear. The mental g...
by livesoft
Tue Jan 23, 2018 8:47 am
Forum: Investing - Help with Personal Investments
Topic: How good or bad is this portfolio?
Replies: 30
Views: 1532

Re: How good or bad is this portfolio?

If the advisor set this up, then he is getting more than 1% AUM because of the kickbacks from many of the funds.
by livesoft
Tue Jan 23, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 54
Views: 3430

Re: Work-out schedule for those in 60s

Calli114 wrote:
Tue Jan 23, 2018 4:57 am
It is a humorous read, written by a retired lawyer and his doctor who is trying to keep him in shape.
His doctor died of cancer at age 58: https://www.nytimes.com/2017/03/14/book ... -year.html
by livesoft
Tue Jan 23, 2018 8:43 am
Forum: Investing - Help with Personal Investments
Topic: AA and early retirement
Replies: 6
Views: 513

Re: AA and early retirement

There you go: Practically all possible answers. So whichever one you pick, you may be suffering from confirmation bias. How would you know? :twisted:
by livesoft
Tue Jan 23, 2018 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Recommendation
Replies: 8
Views: 493

Re: Vanguard Advisor Recommendation

I am pretty sure the first two equity allocations are not separate funds, but instead are just the Total US Stock Market index fund.

I now wonder whether the first 3 bond allocations are just the Total US Bond Market Index fund.
by livesoft
Tue Jan 23, 2018 7:55 am
Forum: Investing - Help with Personal Investments
Topic: College Savings Plan
Replies: 3
Views: 282

Re: College Savings Plan

Given my experiences with getting 2 kids through college, your plan is excellent and I would not change it.

We didn't bother with Coverdell.
by livesoft
Tue Jan 23, 2018 7:40 am
Forum: Investing - Help with Personal Investments
Topic: How good or bad is this portfolio?
Replies: 30
Views: 1532

Re: How good or bad is this portfolio?

Why would advisor with DFA accessibility offer things like oppenheimer? I suspect such funds are found in a 401(k) and thus while part of the portfolio, that part is not offered by the advisor. Instead, those funds are just necessary evils. For instance, the 2 different classes of the same Met West...
by livesoft
Tue Jan 23, 2018 7:29 am
Forum: Investing - Theory, News & General
Topic: Kitces article: A cash bucket in retirement? Nope
Replies: 77
Views: 4780

Re: Kitces article: A cash bucket in retirement? Nope

Kitces points to another article on the cash story. That article is similar to one at EarlyRetiremenNow: https://earlyretirementnow.com/2017/03/29/the-ultimate-guide-to-safe-withdrawal-rates-part-12-cash-cushion/ I do not use a bucket strategy. I hate cash and try not to have more than a few weeks o...
by livesoft
Tue Jan 23, 2018 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Rule of 55 is it official?
Replies: 37
Views: 4590

Re: Rule of 55 is it official?

Are you thinking of the "in-service withdrawal" rules? I don't think any company can prevent you from rolling over your 401k balance when you leave their employment. That is true, but a rollover is not an age-55-rule no penalty withdrawal. I don't know of any age limit to a rollover when you leave ...
by livesoft
Tue Jan 23, 2018 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Rule of 55 is it official?
Replies: 37
Views: 4590

Re: Rule of 55 is it official?

Update: The following could be incorrect. Sorry but the age-55-rule is not available in all 401(k) plans. The IRS allows it, but many plans do not implement it. So it turns out that one cannot really get advice about this rule of 55 from an internet forum. One has to check with their own plan admini...
by livesoft
Tue Jan 23, 2018 6:15 am
Forum: Investing - Help with Personal Investments
Topic: VSFVX Admiral Shares
Replies: 7
Views: 649

Re: VSFVX Admiral Shares

Sheepdog wrote:
Tue Jan 23, 2018 4:02 am
What is VSFVX?
It is a typo in the thread title.
by livesoft
Tue Jan 23, 2018 6:12 am
Forum: Investing - Help with Personal Investments
Topic: VNQ ETF -- Taxable? How is it any different than other ETFs?
Replies: 10
Views: 913

Re: VNQ ETF -- Taxable? How is it any different than other ETFs?

Thanks for posting your 1099-DIV info. Here is an old brochure from Vanguard about the numbers on a 1099-DIV: http://www.vanguard.com/pdf/1099DIV_012016.pdf The brochure shows how the numbers go on your tax return, too. If you don't fill out your own tax return, then you will probably have difficult...
by livesoft
Tue Jan 23, 2018 6:04 am
Forum: Investing - Help with Personal Investments
Topic: Just did annual rebalance, did I hit the mark?
Replies: 2
Views: 333

Re: Just did annual rebalance, did I hit the mark?

1) You have a simple portfolio, so on the math part, you can simply plug in your portfolio in about minute into one of the free simple portfolio asset allocation tools described in this thread: https://www.bogleheads.org/forum/viewtopic.php?t=150267 to check your math. What does a Morningstar.com in...
by livesoft
Mon Jan 22, 2018 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Checkup
Replies: 21
Views: 1078

Re: Investment Checkup

But can your spouse make contributions to that fund in the future?
by livesoft
Mon Jan 22, 2018 8:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 111
Views: 8795

Re: Post your Financial Milestone Announcements Here

Yes, there is definitely room for improvement. :)
by livesoft
Mon Jan 22, 2018 8:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 111
Views: 8795

Re: Post your Financial Milestone Announcements Here

A livesoft milestone: Our portfolio is up 7-figures since the low of 2 years ago. Yes, we did not make a million dollars in one year, but it took 2 years. And we paid less than about $7,000 in income taxes for those 2 years.
by livesoft
Mon Jan 22, 2018 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendation from a Fee Only Advisor
Replies: 4
Views: 531

Re: Recommendation from a Fee Only Advisor

Both portfolios are well within the typical portfolios seen presented on the bogleheads.org forum. One has to realize that such portfolios do not turn out like backtesting has predicted, so your numbers are just numbers and I would not put any confidence in them. I've come to the conclusion that wha...
by livesoft
Mon Jan 22, 2018 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: AA and early retirement
Replies: 6
Views: 513

Re: AA and early retirement

I think it should be based on when you need the funds, your ability to take risk, and your willingness for risk. AA should probably never be based on a retirement date. After all, one is not going to cash it all in and spend it in the first week of retirement. Best series on AA and early retirement:...
by livesoft
Mon Jan 22, 2018 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Need Advice on my Retirement Portfolio
Replies: 14
Views: 917

Re: Need Advice on my Retirement Portfolio

Advisor claims I am focused only on S&P the way my funds are set up. Also said I should not have bond funds (pushing individual intermediate bonds instead) and said he would use ETFs not mutual index funds. I just retired this year. Confused. It is probably in the best interest of the financial sal...
by livesoft
Mon Jan 22, 2018 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Checkup
Replies: 21
Views: 1078

Re: Investment Checkup

You should probably search the forum for "TIAA traditional annuity" and see how it is like a stable value fund.
by livesoft
Mon Jan 22, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 54
Views: 3430

Re: Work-out schedule for those in 60s

Hmmm, every time I view this thread, it motivates me to go do another set of carrying dumbbells up and down the stairs. :)
by livesoft
Mon Jan 22, 2018 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Checkup
Replies: 21
Views: 1078

Re: Investment Checkup

So you have a TIAA traditional annuity paying almost double what the CD in taxable is paying, yet you are trying to get out of it, but not out of the CD. That doesn't make sense to me. I'd keep the TIAA TA and maybe add to it. You can put those Fidelity equity funds in taxable rather than in the 403...