Search found 54024 matches

by livesoft
Mon May 22, 2017 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Zacks says sell Wellesley!?
Replies: 11
Views: 531

Re: Zacks says sell Wellesley!?

This year, it's made 3.5% so far and the year isn't even half up. [...] Looks good to me, and nothing grossly awful this year. What am I supposed to be seeing, livesoft? What would you compare it to? Wellesley is about 40% stocks and 60% bonds. YTD is about 3.5%. Another fund with 40/60 asset alloc...
by livesoft
Mon May 22, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Zacks says sell Wellesley!?
Replies: 11
Views: 531

Re: Zacks says sell Wellesley!?

Look at this year's performance and the performance of the long bonds that it holds. It has really cost folks money this year with the FOMC raising the FFR. This is expected to continue.
by livesoft
Mon May 22, 2017 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Question about buying bonds in Roth IRA
Replies: 7
Views: 233

Re: Question about buying bonds in Roth IRA

I own bond ETFs (BND, AGG, and VCSH) and I own bond mutual funds (FBIDX, VBMFX, VBTLX). I choose which one to own depending on which one has no commissions nor fees in the accounts that I have them in. Which vendor has your Roth IRA? Since $825 will not meet the initial minimum amount for the mutual...
by livesoft
Mon May 22, 2017 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: I admit, I give up [need strategy for getting back in]
Replies: 6
Views: 703

Re: I admit, I give up [need strategy for getting back in]

There are only a couple of strategies: Lump Sum --- do it all at once and if/when things go down, then tax-loss harvest. Dollar-Cost-Average --- do it every month until done and if/when things go down, then tax-loss harvest. OK, there is one more strategy: Do both LS and DCA: For instance, Invest 50...
by livesoft
Mon May 22, 2017 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Dividends Reinvested?
Replies: 10
Views: 400

Re: Dividends Reinvested?

With a 401(k), it is difficult to turn them off or maybe even impossible. Use the chat features with your netbenefits.fidelity.com and get help.
by livesoft
Mon May 22, 2017 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Dividends Reinvested?
Replies: 10
Views: 400

Re: Dividends Reinvested?

A dividend reinvestment shows up as 2 transactions in your statements and online information: 1. A transaction to pay the dividend. 2. A transaction to buy more shares. Online accounts will usually have information about whether you selected to have dividends reinvested, too, so that you can change ...
by livesoft
Mon May 22, 2017 3:59 pm
Forum: Investing - Theory, News & General
Topic: Market News Feeds Worth Reading?
Replies: 8
Views: 377

Re: Market News Feeds Worth Reading?

bogleheads.org has all the news on investing that's worth reading along with a bunch of noise, too. If there is some news that you need to know about, then it will show up on the forum pretty quickly.
by livesoft
Mon May 22, 2017 3:20 pm
Forum: Investing - Theory, News & General
Topic: Why Invest in Average?
Replies: 18
Views: 1167

Re: Why Invest in Average?

Answer: Because I don't want to invest in Below Average.
by livesoft
Mon May 22, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Can you take these Core funds and Create a Three Fund Portfolio?
Replies: 26
Views: 2190

Re: Can you take these Core funds and Create a Three Fund Portfolio?

I am only 39 years old. Lets say for example my original Vanguard Target Date was 2040, but the allocation of the Vanguard Target Date for 2020 if placed in my tax deferred 401K and Keogh fit nicely to balance out having the amount of bonds with my overall portfolio in my taxable account. Is it an ...
by livesoft
Mon May 22, 2017 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Very Close to FI / RE - Allocation Suggestions?
Replies: 13
Views: 775

Re: Very Close to FI / RE - Allocation Suggestions?

I think this series of articles discusses your questions somewhere in the 14 articles: https://earlyretirementnow.com/2016/12/07/the-ultimate-guide-to-safe-withdrawal-rates-part-1-intro/ With only 57% stocks, I don't see any reason to change your asset allocation now nor for the rest of your lives. ...
by livesoft
Mon May 22, 2017 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Why ETF settlement happens on T+3?
Replies: 21
Views: 1551

Re: Why ETF settlement happens on T+3?

I've been told that this T+3 is likely historical because it applied to stocks back in the day. One could call their broker (or more likely a broker would call you) and place a trade. One could have no money in their cash account (did money market funds even exist?) and needed time to get the money ...
by livesoft
Mon May 22, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Which International in Taxable?
Replies: 3
Views: 303

Re: Which International in Taxable?

It is not the case today (10 years later). VTIAX is fine in a taxable account. You can determine the benefits for yourself after reading this thread and using the linked spreadsheet:
viewtopic.php?t=208818
by livesoft
Mon May 22, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Replace timing chain based on miles or years? [ignore]
Replies: 18
Views: 997

Re: Replace timing chain based on miles or years?

I never paid attention to either miles nor years. We've replaced timing thingie only when something else was wrong in the same area of the engine.
by livesoft
Mon May 22, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: Confirm Withdrawl Strategy
Replies: 17
Views: 1321

Re: Confirm Withdrawl Strategy

I would not increase my tax liability.
by livesoft
Mon May 22, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: IRS tax letter triggered by Turbotax's 8606
Replies: 15
Views: 1589

Re: IRS tax letter triggered by Turbotax's 8606

Also reinforces the point that one needs to completely review a finished return (the forms) to make sure it is correct. There really is no substitute. I have to laugh at that comment. What would a complete review have turned up? The taxpayer would not discern that anything was wrong with the finish...
by livesoft
Mon May 22, 2017 10:38 am
Forum: Investing - Theory, News & General
Topic: Confirm Withdrawl Strategy
Replies: 17
Views: 1321

Re: Confirm Withdrawl Strategy

It makes more sense to maintain your desired asset allocation. Selling equities without also selling bonds would change your asset allocation, would it not?
by livesoft
Mon May 22, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: rebalance or not
Replies: 5
Views: 245

Re: rebalance or not

Well, you are sort of self-reinforcing your negative waves. Consider this sentence instead: Yay! I finally get to rebalance which is so easy and trivial to do! The dip last week was only for one day and now we are back up. This is going to be fun! BTW, I rebalanced last week ... twice. With no trans...
by livesoft
Mon May 22, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 51
Views: 5357

Re: We have a lot going on .... Input Requested.

Thanks for the link, TAXES have been on my mind. I do have about $40K in LT Gains and $8K in ST gains that I need to deal with appropriately. You have 2 adult children. If they are in low tax brackets, then their long-term capital gains tax rate can be 0% for some portion of their LTCG. You can the...
by livesoft
Mon May 22, 2017 8:33 am
Forum: Investing - Theory, News & General
Topic: How to use Vanguard Portfolio Watch for rebalancing
Replies: 90
Views: 37302

Re: How to use Vanguard Portfolio Watch for rebalancing

Guess what? You got a fever and the only prescription is more RBD.
by livesoft
Mon May 22, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Company "Case Manager"
Replies: 9
Views: 647

Re: Health Insurance Company "Case Manager"

Ask your Case Manager to send you their blurb that summarizes the independent studies that show that Case Managers lead to better outcomes for patients. Or use the internet to find those and read them.
by livesoft
Mon May 22, 2017 8:20 am
Forum: Personal Finance (Not Investing)
Topic: IRS tax letter triggered by Turbotax's 8606
Replies: 15
Views: 1589

Re: IRS tax letter triggered by Turbotax's 8606

Your post is something like the 4th one on this exact subject started since Saturday. We think the IRS sent all their letters at the same time. So if you restrict your search for Form 8606 to bogleheads.org in the past 72 hours, you will find lots of folks with your same issue. You are the only one ...
by livesoft
Mon May 22, 2017 7:54 am
Forum: Investing - Theory, News & General
Topic: How to use Vanguard Portfolio Watch for rebalancing
Replies: 90
Views: 37302

Re: How to use Vanguard Portfolio Watch for rebalancing

the "fine print" states that prices used are usually stale as has been noted many times: http://i64.tinypic.com/2qtv9lh.jpg Also there is more about the different analysis of Vanguard funds versus non-Vanguard funds as well as multi-asset funds. Note the use of "of the previous busin...
by livesoft
Mon May 22, 2017 7:42 am
Forum: Personal Consumer Issues
Topic: Firefox painfully slow
Replies: 15
Views: 1306

Re: Firefox painfully slow

Anyways, I haven't noticed any Firefox slowdowns. Maybe all the sites you visit have lots of ads served up? Use an AdBlocker and see what happens, too. Are you using Firefox's included PDF viewer, or did you figure out a convenient work-around to their dropping plug-in support? No. I use either Mac...
by livesoft
Mon May 22, 2017 7:40 am
Forum: Investing - Theory, News & General
Topic: How to use Vanguard Portfolio Watch for rebalancing
Replies: 90
Views: 37302

Re: How to use Vanguard Portfolio Watch for rebalancing

I think Vanguard has added a new link in their Portfolio Watch tool to explain the analysis, so I changed the first pic in this thread. Now there is a Learn more about this analysis link which has a lot of info that users of the Portfolio Watch should read and try to understand. In particular, the &...
by livesoft
Sun May 21, 2017 7:55 pm
Forum: Investing - Theory, News & General
Topic: Index fund look through expenses
Replies: 3
Views: 299

Re: Index fund look through expenses

Search forum for previous discussions and please report back.

Clearly you would know if your index fund trailed its index by any amount.
by livesoft
Sun May 21, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: A Gem from Livesoft
Replies: 7
Views: 2806

Re: A Gem from [EarlyRetirementNow.com]

While I have posted the link a number of times, I don't want folks to get the impression that the work is "from" me. Perhaps my name can be removed from the title of this thread -- it's embarrassing to me. I think the work was/is done by another poster on this site. It is their multi-part ...
by livesoft
Sun May 21, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice on Transferring out of Betterment
Replies: 6
Views: 634

Re: Seeking Advice on Transferring out of Betterment

If I am not mistaken, the cost basis should be two lines: one for long term gains (or losses) and one for short term gains (or losses), no matter how many tax lot purchases there are. On the Schedule D on your federal return, you enter "various" on the dates purchased for long term gains,...
by livesoft
Sun May 21, 2017 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Investing FOR Retirement vs Investing IN Retirement
Replies: 20
Views: 1516

Re: Investing FOR Retirement vs Investing IN Retirement

For another look at the McClung Prime Harvesting there is this recent analysis:
https://earlyretirementnow.com/2017/04/ ... arvesting/
by livesoft
Sun May 21, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Emergency Fund
Replies: 20
Views: 1882

Re: Investing Emergency Fund

Yep, I read at that IRS link:
IRS Publication 590b wrote:You do not include in your gross income qualified distributions or distributions that are a return of your regular contributions from your Roth IRA(s).
by livesoft
Sun May 21, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: Computing device for elderly relative
Replies: 34
Views: 1283

Re: Computing device for elderly relative

A laptop with a trackpad might be useful. A trackpad can be set for "tap to click" or "click to click." I hate click to click which I think is the default for Macs, so I change it whenever I use someone's Mac. Many people did not even know that tap-to-click existed. So a heavy fi...
by livesoft
Sun May 21, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Emergency Fund
Replies: 20
Views: 1882

Re: Investing Emergency Fund

Mr.BB wrote:If emergency money is in a Roth acct, you would have to pay a penalty to withdrawal that money if it has not been in there 5 years and you are not 59.5

That's untrue as far as my research has confirmed, but it does seem to be a very common misconception.
by livesoft
Sun May 21, 2017 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Emergency Fund
Replies: 20
Views: 1882

Re: Investing Emergency Fund

Many people use a multi-tiered emergency fund. This is a frequently asked question. For myself, I don't use a cash emergency fund. Yep, I can use credit cards for most emergencies and yep, it is easy to get money out of an investment account. See the usual web pages: https://www.bogleheads.org/wiki/...
by livesoft
Sun May 21, 2017 3:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: Average age of a Boglehead
Replies: 18
Views: 1060

Re: Average age of a Boglehead

Does this forum has any mechanism to do poll ? It becomes a lot easier that way Not anymore, but you can use a search to find the last time this question was asked and maybe it was a poll. I expect the average age to be within 10 years of the average age of adults over 21 in North America which is ...
by livesoft
Sun May 21, 2017 3:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Average age of a Boglehead
Replies: 18
Views: 1060

Re: Average age of a Boglehead

jebmke wrote:My average age is 32 right now.

Great answer! :beer
by livesoft
Sun May 21, 2017 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: The Novice [need books/resources for learning]
Replies: 8
Views: 422

Re: The Novice [need books/resources for learning]

If you like to read, then check out the recommende dbook list which is just a click away. Did you see the link to click on already? If not, here it is again: https://www.bogleheads.org/RecommendedReading.php Presumably, you all already have a checking account that you even log in to while online. An...
by livesoft
Sun May 21, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Computing device for elderly relative
Replies: 34
Views: 1283

Re: Computing device for elderly relative

Talk to his friends and see what they are using.
by livesoft
Sun May 21, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: Firefox painfully slow
Replies: 15
Views: 1306

Re: Firefox painfully slow

I switch among browsers routinely and often have 3 different ones open at the same time. If Firefox is slow, then clear the history, clear everything, update to latest version, etc. Also stop Firefox and let it clear things as it exits. Then reboot your computer, too. Anyways, I haven't noticed any ...
by livesoft
Sun May 21, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to pull the trigger. So how does this look?
Replies: 7
Views: 924

Re: Ready to pull the trigger. So how does this look?

1. This is a typical asset allocation and well within the normal proposed portfolios. It is fine. 2. It is fine. 3. Yes. 4. Yes. 5. I suggest a multi-tiered emergency fund with more risk since you have plenty of taxable assets. This is discussed often on the forum. Here are two wiki articles to read...
by livesoft
Sun May 21, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Do you keep extra money available for investing
Replies: 21
Views: 1195

Re: Do you keep extra money available for investing

You know, that's what your bond allocation is for. Bonds were UP about half a percent on last week's dump, so you made more than cash before you exchanged into equities and watched those equities POP.

And then you rebalanced back into bonds on Friday.
by livesoft
Sun May 21, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Watching elderly family members burn money
Replies: 17
Views: 2420

Re: Watching elderly family members burn money

So go to the auction and buy those childhood memories for your wife.
by livesoft
Sun May 21, 2017 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Consolidating vendors
Replies: 8
Views: 391

Re: Consolidating vendors

If I was to move my Vanguard account assets to Fidelity, then I would consider converting mutual fund shares to ETFs if possible before I did the move. As it is, I transferred shares of VBR years ago to Fidelity in order to collect a bonus. I have made no transactions ever in that Fidelity account u...
by livesoft
Sun May 21, 2017 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Classifying "Other" investments in Vanguard Portfolio Watch
Replies: 6
Views: 676

Re: Classifying "Other" investments in Vanguard Portfolio Watch

No, none of the problems have been solved and I believe they never will be.

A workaround is to sell all one's investments classified as "Other" in the system that you wish to use.
by livesoft
Sun May 21, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Investing FOR Retirement vs Investing IN Retirement
Replies: 20
Views: 1516

Re: Investing FOR Retirement vs Investing IN Retirement

One could make the distinction that while IN Retirement that one would no longer be able to contribute to IRA, Roth, 401(k), 403(b), etc. But I consider myself retired. My spouse still works. I do a little consulting and teaching for a few weeks a year and get paid for that. My income is not signifi...
by livesoft
Sun May 21, 2017 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Evaluate Asset Allocation
Replies: 8
Views: 378

Re: Evaluate Asset Allocation

From another thread: I put this in another thread and it applies to you as well: Here are some guiding principles that I use: 1. If you have a taxable accoun t: Only a few funds in taxable that are tax-efficient and their tax-loss harvesting partners: Total US / Large-cap US (a TLH partner) Total In...
by livesoft
Sun May 21, 2017 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Keeping credit score up
Replies: 20
Views: 1271

Re: Keeping credit score up

You are overdramatizing. Your score is outstanding and you do not need to worry about it. We don't have a mortgage and just paid off a 0% car loan, so I will come back here and humblebrag about how much our credit score dropped in a couple weeks. And BTW, we were able to get a 0% car loan even thoug...
by livesoft
Sun May 21, 2017 7:36 am
Forum: Investing - Help with Personal Investments
Topic: We have a lot going on .... Input Requested.
Replies: 51
Views: 5357

Re: We have a lot going on .... Input Requested.

I have posted a thread about 6 mo's ago, howeverTax Filing Status: Married Filing Jointly: combined Income $200-225K. Tax Rate: 28% Federal, 0% State (Fed effective rate has been less than 15% most years due to itemized deductions; 2016 was a one off year due to job change/seperation pay) State of ...
by livesoft
Sat May 20, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Which Fund to Buy in a Taxable Account?
Replies: 8
Views: 854

Re: Which Fund to Buy in a Taxable Account?

With 25% tax bracket, there is probably no point in using a tax-exempt bond fund. So any mix of a total stock market fund and a bond fund would be more stable than 100% total stock market and any mix of a total stock market fund and a bond fund would be more tax-efficient than 100% total bond index ...
by livesoft
Sat May 20, 2017 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Which Fund to Buy in a Taxable Account?
Replies: 8
Views: 854

Re: Which Fund to Buy in a Taxable Account?

What's your tax bracket for 2017, 2018, …, 2026, 2027?
by livesoft
Sat May 20, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: IRS asking me to pay the tax on full Traditional to Roth Conversion : 1099-R
Replies: 20
Views: 1614

Re: IRS asking me to pay the tax on full Traditional to Roth Conversion : 1099-R

Open your tax software, and use it to file an amendment. Make sure Form 8606 is created and filed. I tried few times in TT but it is not creating 8606 form :( . Can I hand type this form and attached with my 1040X ? This does not bode well. You will need TT to do it right so that you can use TT cor...

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