Search found 58807 matches

by livesoft
Sat Feb 17, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Barron's-The Latest Casualty in the ETF Fee War—Objective Advice-Mentions Vanguard ETFs and new TD policy
Replies: 5
Views: 287

Re: Barron's-The Latest Casualty in the ETF Fee War—Objective Advice-Mentions Vanguard ETFs and new TD policy

Barron's is a weekly that rehashes articles found in the WSJ, so this was discussed in several (probably now merged) threads a few weeks ago, wasn't it?

Here you go:
viewtopic.php?t=240145
by livesoft
Sat Feb 17, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Amica reocurring double digit increases in homeowners insurance
Replies: 20
Views: 1196

Re: Amica reocurring double digit increases in homeowners insurance

Do you think that the fires and mudslides out West are a factor? How about all the hurricanes in the south and east coast? Even if you made no claims, many other people did and you have to pay for them. This is a common misconception about homeowners insurance. Homeowners insurers set their rates s...
by livesoft
Sat Feb 17, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Recurring charges after compromised card
Replies: 8
Views: 309

Re: Recurring charges after compromised card

When this happens to us, the company that bills the credit card sends an e-mail "Your monthly payment did not work. Please update your card number and pay your bill." That's it. No extra charge and no automated change of card number nowadays.
by livesoft
Sat Feb 17, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: 1099B and tax impact
Replies: 4
Views: 248

Re: 1099B and tax impact

I cannot tell you without you posting your entire tax return. Instead of looking with TurboTax, did you print out your Form 1040 and read every line?

You can delete the 1099-B and then print out your Form 1040 and compare the before and after numbers.
by livesoft
Sat Feb 17, 2018 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Is a Brokerage "Redemption Fee" tax deductible?
Replies: 11
Views: 520

Re: Is a Brokerage "Redemption Fee" tax deductible?

As stated by Fidelity: How to treat the fee and service charges you incur when you sell shares of a mutual fund or individual security depends on how the sales are reported on your Form 1099-B. Fidelity's 1099-B deducts the fee from the proceeds. However, you can add the fees to the cost basis. You...
by livesoft
Sat Feb 17, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: ios fitness/stretching apps
Replies: 3
Views: 124

Re: ios fitness/stretching apps

MyFitnessPal
by livesoft
Sat Feb 17, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: Which book for an 18 year old who is asking about investing?
Replies: 24
Views: 1057

Re: Which book for an 18 year old who is asking about investing?

This place needs a "The Bogleheads' Guide to the Bogleheads' Wiki"

It wouldn't hurt to have such an article written by an 18-year old. Or would it?

Another possibility is to ask your young adult to teach you about investing and see if that leads to shared knowledge.
by livesoft
Sat Feb 17, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 48
Views: 2100

Re: Effect of spending money on appearance in career

You should stick up for yourself and other women and call them out on their obnoxious comments.
by livesoft
Sat Feb 17, 2018 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Going from non-admiral funds to admiral
Replies: 14
Views: 1127

Re: Going from non-admiral funds to admiral

You do not want to "Exchange" them. A "Convert to Admiral" button, or something similar, will appear next to the eligible fund. If you "Exchange" them, it will be treated as a sale and purchase. Since this is an IRA, that is not a problem. Exchange would be a problem in a taxable account. If you ex...
by livesoft
Sat Feb 17, 2018 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 48
Views: 2100

Re: Effect of spending money on appearance in career

What do you say in these meetings when it is said that the company needs more women? Do you say, "I'll be happy to hire another woman or man. Give me a budget line because I have plenty of projects for new people." Or do you say, "This is not a friendly place for women because they are not promoted ...
by livesoft
Sat Feb 17, 2018 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Switching Total Domestic/Large Cap to Small/Mid Cap in Tax-Advantaged Accounts for TLH
Replies: 8
Views: 351

Re: Switching Total Domestic/Large Cap to Small/Mid Cap in Tax-Advantaged Accounts for TLH

You can do TLH as follows: In taxable: Exchange VTSAX shares with loss (only those with losses, not all of them) into cash. In 403(b) Exchange similar amount of VBTIX into an equity fund of your choice. You may wish to rebalance at the same time by buying more equities anyways. Cash and bonds will h...
by livesoft
Sat Feb 17, 2018 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Is a Brokerage "Redemption Fee" tax deductible?
Replies: 11
Views: 520

Re: Is a Brokerage "Redemption Fee" tax deductible?

IRS Publication 550, page 45, "redemption fees"

https://www.irs.gov/pub/irs-pdf/p550.pdf

The rest of the publication is also interesting. All US investors should read it in full at some point in their lives.
by livesoft
Sat Feb 17, 2018 7:58 am
Forum: Investing - Theory, News & General
Topic: ETFs a cause of market turbulence?
Replies: 13
Views: 836

Re: Index funds a cause of market turbulence?

I agree that computer-driven ETFs compress a dip and potential recovery into a few days if not hours. The rules have changed. The consequences of all this is that people don't even notice if there was a dip. We have seen lots of tongue-in-cheek posts at bogleheads.org about "What drop?" and "I only ...
by livesoft
Sat Feb 17, 2018 7:52 am
Forum: Investing - Help with Personal Investments
Topic: VFINX Question
Replies: 5
Views: 398

Re: VFINX Question

I guess it depends on your broker and your personality. I would move the VFINX "in-kind" to Vanguard. Then they will do an upgrade to the Admiral shares for no charge. Instead of VOO, I would recommend you buy VTI, the total stock market index fund. In all cases, I would pay no fees and no commissio...
by livesoft
Sat Feb 17, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: Mixing fuel octanes for cars
Replies: 30
Views: 1388

Re: Mixing fuel octanes for cars

I'd fill up with 89 and not even use any 93. Saves more money. Actually, I always use the lowest octane which is 87 around here I think.

Do the experiment and see if lower octane works.
by livesoft
Sat Feb 17, 2018 7:10 am
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 48
Views: 1827

Re: Best plants to grow to save money for food costs

Something that might be fun is foraging for wild plants, nuts, fruits in your area that you can use in your meals and snacks.
by livesoft
Sat Feb 17, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 48
Views: 1827

Re: Best plants to grow to save money for food costs

Marijuana and other drug crops. I don't see you saving money on actual food plants. Our grocery stores have superb vegetables so cheap it is ridiculously. Since I chat with the folks in the produce section, they routinely tell me something like "Take these serrano peppers and tell the cashier that '...
by livesoft
Sat Feb 17, 2018 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Switching Total Domestic/Large Cap to Small/Mid Cap in Tax-Advantaged Accounts for TLH
Replies: 8
Views: 351

Re: Switching Total Domestic/Large Cap to Small/Mid Cap in Tax-Advantaged Accounts for TLH

rkhusky has the right idea. You only have 2 funds in taxable and there is only overlap with your Roth IRAs. So all those other accounts will not have a chance to interfere with tax-loss harvesting anyways. Since you explicitly control your Roth IRAs, you can easily avoid any wash sales in taxable. B...
by livesoft
Sat Feb 17, 2018 6:50 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 546
Views: 56905

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

TIAX wrote:
Fri Feb 16, 2018 10:53 pm
livesoft wrote:
Fri Feb 16, 2018 9:57 am
4. The market makers are not always awake.
Can you explain.
I routinely have limit orders in these SPDR ETFs go unfilled even though I see hundreds and thousands of shares traded at exactly my limit price. It is rather annoying. That was very rarely the case with Vanguard ETFs.
by livesoft
Sat Feb 17, 2018 6:44 am
Forum: Investing - Help with Personal Investments
Topic: How to negotiate free trades with TDAmeritrade (?)
Replies: 17
Views: 614

Re: How to negotiate free trades with TDAmeritrade (?)

Your posts have helped me through AA and rebalancing. B/c I contribute to taxable monthly, and with two Roth's (wife and mine) that spin off quarterly dividends to reinvest, I easily burn 5 trades per quarter at least. If rebalancing comes into effect, it could be 10. So to your point in not abusin...
by livesoft
Sat Feb 17, 2018 6:40 am
Forum: Investing - Help with Personal Investments
Topic: Switching Total Domestic/Large Cap to Small/Mid Cap in Tax-Advantaged Accounts for TLH
Replies: 8
Views: 351

Re: Switching Total Domestic/Large Cap to Small/Mid Cap in Tax-Advantaged Accounts for TLH

I'm sorry but dollar amounts mean almost nothing to me. Can you convert everything to percentages and list the percent first on a line? Also those ticker symbols are not understood. Somebody else may want expense ratios added, too. Your VTSAX: 428,118 ... should be NN% VTSAX Vanguard Total Stock Mar...
by livesoft
Fri Feb 16, 2018 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: How to negotiate free trades with TDAmeritrade (?)
Replies: 17
Views: 614

Re: How to negotiate free trades with TDAmeritrade (?)

I have only had to go to the well once. I sit across the desk from my rep and chat about how I can help her. Then I say, I like having my money here because after all, it has been here for almost 25 years. But you know all my other brokers don't charge me commissions, so I can easily move my account...
by livesoft
Fri Feb 16, 2018 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: How to negotiate free trades with TDAmeritrade (?)
Replies: 17
Views: 614

Re: How to negotiate free trades with TDAmeritrade (?)

I was told that free trades last for 90 days from date given, so no long-term free trades. That didn't bother me because I don't abuse free trades given. I'll probably have unused free trades that will expire. I will not hesitate to ask for more free trades if I need them, but I'm not expecting to n...
by livesoft
Fri Feb 16, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Amica reocurring double digit increases in homeowners insurance
Replies: 20
Views: 1196

Re: Amica reocurring double digit increases in homeowners insurance

Where exactly do you live?

Do you think that the fires and mudslides out West are a factor? How about all the hurricanes in the south and east coast? Even if you made no claims, many other people did and you have to pay for them.
by livesoft
Fri Feb 16, 2018 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Help with similar bond ETFs: AGG, BND, SPAB
Replies: 4
Views: 310

Re: Help with similar bond ETFs: AGG, BND, SPAB

Thanks for the comments. Yes, I agree that premium/discount could be something to look at, but I doubt that NAV is calculated accurately enough for bond funds. That's just the way I think. Also, my experience watching SPAB for a few months along with buying several thousand shares (I've never sold a...
by livesoft
Fri Feb 16, 2018 7:21 pm
Forum: Investing - Theory, News & General
Topic: Which book for an 18 year old who is asking about investing?
Replies: 24
Views: 1057

Re: Which book for an 18 year old who is asking about investing?

If You Can by William Bernstein is an e-book. Google it. Then if that is digested, his other books from the library would be worthwhile.
by livesoft
Fri Feb 16, 2018 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help with similar bond ETFs: AGG, BND, SPAB
Replies: 4
Views: 310

Re: Help with similar bond ETFs: AGG, BND, SPAB

Also, although you made your calculations with 1 cent spreads, are you certain that during routine trading that the bid/ask spread is 1 cent and not more? Definitely, yes, a 1 cent spread for all 3 ETFs pretty much any time that I was looking. And I was looking a lot today while recuperating from a...
by livesoft
Fri Feb 16, 2018 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: buying around dividend time
Replies: 9
Views: 508

Re: buying around dividend time

I would not want to "buy the dividend", therefore my understanding is that I would buy into the fund before the ex dividend date, before the fund price falls, so that I am the beneficiary of the dividend. What you just wrote that you want to do is exactly the definition of buying the dividend. Mayb...
by livesoft
Fri Feb 16, 2018 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting and whether robo-investor fees are worth it
Replies: 19
Views: 1246

Re: Tax loss harvesting and whether robo-investor fees are worth it

I've posted many times before that one doesn't need to follow the market if they set alerts with their broker to e-mail or text them when there is a TLH opportunity. Even Vanguard.com will do that for you.
by livesoft
Fri Feb 16, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help with similar bond ETFs: AGG, BND, SPAB
Replies: 4
Views: 310

Help with similar bond ETFs: AGG, BND, SPAB

Hey folks, I need some help to understand whether I am getting ripped off or not. My question below is: How to set a limit price to buy SPAB? Let me introduce the players first: BND Vanguard ETF share class of VBTLX, the Total Bond Market which tries to track the Spliced Bloomberg Barclays U.S. Aggr...
by livesoft
Fri Feb 16, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: buying around dividend time
Replies: 9
Views: 508

Re: buying around dividend time

It won't go up just before the dividend. Where did you read that? Got a link? Since VOO is a collection of stocks and those stocks pay dividends, VOO gets the dividends of those stocks whenever they pay them and thus those dividends are being accrued all the time and reflected in the NAV of VOO. Of ...
by livesoft
Fri Feb 16, 2018 3:26 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 269
Views: 39553

Re: TLH for absolute dummies [Tax Loss Harvesting]

Someone recently told me that from here on out, I have to stick to this sales strategy for this particular holding (HIFO). Is this true? No, this is not true. HIFO is just a subclass of Specific Identification where your broker looks for you and specifically identifies the shares to sell. Furthermo...
by livesoft
Fri Feb 16, 2018 1:25 pm
Forum: Investing - Theory, News & General
Topic: MarketWatch article-Vanguard investors kept their cool during stock-market turmoil
Replies: 16
Views: 1175

Re: MarketWatch article-Vanguard investors kept their cool during stock-market turmoil

I am a Vanguard client. It is true that I did not trade in my Vanguard account because it is very difficult to do so. Vanguard does not keep good track of one's money in real-time.

However, I made more than 10 trades in my other non-Vanguard accounts to capture the gains from the lows of the RBDs.
by livesoft
Fri Feb 16, 2018 1:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260588

Re: U.S. stocks in freefall

I prefer rebalancing on a time-basis rather than a banded one. I actually like frequent or even continuous rebalancing. That's why I make large use of Vanguard Balanced Index and Fidelity Freedom Index funds. Does this make sense if you are in tax-deferred accounts so you are not concerned about ta...
by livesoft
Fri Feb 16, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 546
Views: 56905

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Not nice, they trap me into free Vanguard ETFs and now charge when I sell them. They should have advertised "50% discount". They are very nice to me because when I ask them for free trades, they give them to me. So I am not charged to sell Vanguard ETFs. Did you not ask? Did they refuse to grant yo...
by livesoft
Fri Feb 16, 2018 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Reality of the market being "down"...
Replies: 10
Views: 967

Re: Reality of the market being "down"...

Answer to last question: You are kind of asking what benchmark you should use for your portoflio. Well, what is the asset allocation of your portfolio? My asset allocation is about 60/40, so I compare my portfolio to the Vanguard LifeStrategy Moderate Growth fund (VSMGX) which has a 60/40 asset allo...
by livesoft
Fri Feb 16, 2018 9:10 am
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 126
Views: 5223

Re: How to get child's skin in the game for college?

I didn't read all the responses, but the original post has some things that I will point out: 1. There is no need to pay for the first 3 years of college and then stiff her for the 4th year. You will have trained her like a dog to expect full college expenses to be paid for 3 years in a row, so the ...
by livesoft
Fri Feb 16, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: World Travelers: What's the local economy look like?
Replies: 10
Views: 898

Re: World Travelers: What's the local economy look like?

Be aware that apartment/condo real estate in Latin America is a good way to launder money. Rents are paid in cash even from fictitious tenants.

But economy looks great where I live and where I have traveled.
by livesoft
Fri Feb 16, 2018 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 155
Views: 10046

Re: Did you learn anything from the market correction?

How about holding balanced funds? Do they demonstrate the benefits of rebalancing? My understanding is they rebalance every day, which should take the "human fearful" element out of it. I have a lot of respect for the Vanguard LifeStrategy and Target Retirement funds. I do believe they demonstrate ...
by livesoft
Thu Feb 15, 2018 8:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5574
Views: 1260588

Re: U.S. stocks in freefall

walletless wrote:
Thu Feb 15, 2018 5:16 pm
The dry-powder folks enjoyed the correction, for sure!
Are bond funds dry powder?
by livesoft
Thu Feb 15, 2018 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA - Trading
Replies: 9
Views: 716

Re: Roth IRA - Trading

This is allowed. There are no tax implications. There is almost no restriction on the number of days between sell/buy. For instance, at many brokerages one can "exchange" between mutual funds and bypass the settlement account. And one can sell ETF shares, then immediately buy ETF shares less than on...
by livesoft
Thu Feb 15, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Direct Primary Care-Anyone use it?
Replies: 11
Views: 909

Re: Direct Primary Care-Anyone use it?

So with $150 a month, how do you get your insurance company to pay for that? And if something more is needed, then what happens? Your insurance deductible starts then? Or ....?
by livesoft
Thu Feb 15, 2018 6:42 pm
Forum: Investing - Theory, News & General
Topic: Is Tax-Managed Small Cap (VTMSX) an underrated fund?
Replies: 5
Views: 615

Re: Is Tax-Managed Small Cap (VTMSX) an underrated fund?

Shhhh! Now you have ruined it for everybody who owns this fund. :)
by livesoft
Thu Feb 15, 2018 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for safe ETFs for 200K cash sitting in brokerage accounts.
Replies: 40
Views: 6682

Re: Looking for safe ETFs for 200K cash sitting in brokerage accounts.

It is not safe, but maybe you can purchase a fund that shorts the market. How about TMV? Full disclosure: I think that anybody that buys TMV will lose their shirt, shoes, and shorts. It is scary but this recommendation was up 60% after it was made at one point and closed yesterday up 37%. VTSAX (To...
by livesoft
Thu Feb 15, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: Are ETFs Safe?
Replies: 11
Views: 795

Re: Are ETFs Safe?

I read the article. My opinion is that the ETFs that I use and the ETFs that many people on this forum might use are safe. My rules about ETFs are simple: 1. Never own more than 5% of the average daily volume of any ETF. That's it. I use limit orders, marketable limit orders, market orders, orders t...
by livesoft
Thu Feb 15, 2018 2:20 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value Benchmarks (related to Mid cap,too)
Replies: 9
Views: 626

Re: Small Cap Value Benchmarks (related to Mid cap,too)

I don't bother looking in the weeds. I own big slugs of VBR, IJS, and a smidgeon of IWN. I don't own any mid-cap funds, but fill out US equities with Total Market, Large-cap, and a little in SPSM (small-cap blend). For EM, I own broad-market fund VEU (large) and VSS (small) along with a lot of DGS (...
by livesoft
Thu Feb 15, 2018 1:29 pm
Forum: Investing - Theory, News & General
Topic: Can someone help me explain to my wife...?
Replies: 65
Views: 6208

Re: Can someone help me explain to my wife...?

She says all we'd be doing by selling is locking in our profits, and then we can buy when it crashes. There have been a few posts in the past 10 days describing that there was a crash already say on Feb 8th. At that point many people were buying following the suggestion of your wife ("buy when it c...