Search found 61977 matches

by livesoft
Mon Sep 24, 2018 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Best way to get $100k cash
Replies: 16
Views: 1257

Re: Best way to get $100k cash

novemberrain wrote:
Mon Sep 24, 2018 12:21 am
But psychologically, I want to be done with my mortgage
Serious question: Why? These emotional things will mess you up.

Did anybody mention getting a HELOC and using it to pay off your mortgage?
by livesoft
Mon Sep 24, 2018 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Strategy for Maximizing College Financial Aid and Minimizing Taxes
Replies: 7
Views: 579

Re: Strategy for Maximizing College Financial Aid and Minimizing Taxes

Gift grandparents the Apple stock. You and your spouse can gift something like $60K a year combined to 2 other people. It may be too late to get this stock off of a FAFSA. That way, no need for you to sell Apple stock and if grandparents sell, they have to pay the cap gains. Or you can gift the Appl...
by livesoft
Mon Sep 24, 2018 4:54 am
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 68
Views: 3733

Re: Emotional Investor - I'm a mess and need help!

And I would NEVER use a family member to manage my accounts if they charged and churned them. That is bullpucky, and you should get away ASAP and dump everything into Vanguard and then leave it alone. I wonder if the OP should manage his brother's investments. It would be interesting to know more a...
by livesoft
Sun Sep 23, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Ventilated car seats?
Replies: 25
Views: 1344

Re: Ventilated car seats?

Don't forget that the cold/hot air is cooling/heating the mass of the seat and not really the body sitting in the seat.
by livesoft
Sun Sep 23, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: Best/worst flavors of Gatorade/Powerade
Replies: 17
Views: 942

Re: Best/worst flavors of Gatorade/Powerade

You could buy the powder and save tons of money. You will also note by buying the powder that you are basically buying sugar.

Can't tell you about flavor because I am drinking Crystal Light sugar-free lemonade made from the powder.
by livesoft
Sun Sep 23, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Ventilated car seats?
Replies: 25
Views: 1344

Re: Ventilated car seats?

My seats are cooled by forcing cold air to come out of the tiny holes. Works great. If my butt and clothes are blocking holes, I don't see how sucking is going to help, but I see how blowing can be helpful. Presumably the heating works the same way, but I live in a hot climate and have never turned ...
by livesoft
Sun Sep 23, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: New job. Need help adding funds to my new 401k
Replies: 10
Views: 573

Re: New job. Need help adding funds to my new 401k

I know it is not your fault with what JH is showing you. It is hard to see that the major holding has anything to do with being an index fund from the link you gave. In your shoes, I would talk to the plan sponsor and demand clear answers and expect not to get them.
by livesoft
Sun Sep 23, 2018 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Optimizing a Taxable Account
Replies: 2
Views: 353

Re: Optimizing a Taxable Account

If one separates the stock fund and the bond fund in taxable, then one will have potentially more tax-loss harvesting opportunities in taxable. Certainly, with tax-exempt muni bond funds there have been opportunities recently, but the tax-managed balanced fund would not have that bond fund TLH oppor...
by livesoft
Sun Sep 23, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 68
Views: 3733

Re: Emotional Investor - I'm a mess and need help!

You should NOT use in taxable account a LifeStrategy nor a Target Retirement fund. You want the most in tax-efficiency possible and these kinds of funds are not tax efficient. I find that I am capable of doing my own tax-loss harvesting with almost no effort and no thought. You should be able to do ...
by livesoft
Sun Sep 23, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Experiences (Ideas for)
Replies: 8
Views: 854

Re: Experiences (Ideas for)

Others are thinking of experiences as well, and have done so for ages:
https://www.nytimes.com/2018/09/22/opin ... do-it.html

I'm not saying one should follow in their footsteps, but some considerations are presented.
by livesoft
Sun Sep 23, 2018 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 68
Views: 3733

Re: Emotional Investor - I'm a mess and need help!

Here's something else the OP can do: They can get into the details of portfolio performance and comparison to benchmarks. I'll wager that the OP has really no idea what the performance of his portfolio has been. About the only legitimate way to calculate the performance is to use Excel XIRR() in a v...
by livesoft
Sun Sep 23, 2018 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Pros/cons on exchanging these funds?
Replies: 1
Views: 171

Re: Pros/cons on exchanging these funds?

FWIW, you are lucky to have been in VTABX in 2018 since it has significantly outperformed VBTLX.

Actually VTABX has outperformed VBTLX over the recent few years.

So the con is that VBTLX might continue to underperform VTABX going forward.
by livesoft
Sun Sep 23, 2018 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 68
Views: 3733

Re: Emotional Investor - I'm a mess and need help!

To the OP: What is longest time you have gone without initiating any transaction at all (except for an automatic contribution)?
by livesoft
Sun Sep 23, 2018 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: What investment company does your employer use?
Replies: 9
Views: 628

Re: What investment company does your employer use?

My old firm used Fidelity. My spouse's firm uses TDAmeritrade and their 401(k) plan has many Vanguard index funds and even ETFs.
by livesoft
Sun Sep 23, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 53
Views: 4580

Re: Minimalist Lifestyle

What sort of interests or hobbies do you have? Gardening? Cooking? Woodworking? Entertaining? Crafts? Bicycling? Hiking? Fishing? All of these things require equipment and supplies. You exaggerate methinks. My neighbors have all kinds of things that they are willing to lend me as I am sure your nei...
by livesoft
Sun Sep 23, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 53
Views: 4580

Re: Minimalist Lifestyle

Whenever we have moved a long distance, we made sure to research and hire the best moving companies with stellar reputations. Despite our due diligence every single mover lost lots of our possessions including an overseas move where the entire container of our belongings was stolen. When you lose al...
by livesoft
Sun Sep 23, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Slip on loafer shoes for working guy?
Replies: 5
Views: 690

Re: Slip on loafer shoes for working guy?

$9 (on sale) croc-like shoes from Walmart. I like camo color. https://www.walmart.com/ip/Real-Tree-Me ... e/48709862
by livesoft
Sun Sep 23, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Selling off funds. timing question
Replies: 10
Views: 732

Re: Selling off funds. timing question

Monday the 24th and Wednesday the 26th are when a bunch of Vanguard funds declare dividends: https://investornews.vanguard/upcoming-capital-gains-information/ Those two dates will be the record date for those mutual funds as well. You can see this by looking at the distributions already reinvested o...
by livesoft
Sun Sep 23, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3360

Re: How to get rid of rabbits

I've eaten wild rabbit and it was the nastiest gamiest piece of meat I've ever had.
by livesoft
Sun Sep 23, 2018 6:54 am
Forum: Investing - Theory, News & General
Topic: For those who use a 2 year cash(like) buffer, how do you know when to use it?
Replies: 67
Views: 5229

Re: For those who use a 2 year cash(like) buffer, how do you know when to use it?

When was the last time bonds tanked 10%?

What if cash loses 10% of its purchasing power to inflation?
by livesoft
Sun Sep 23, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: Experiences (Ideas for)
Replies: 8
Views: 854

Re: Experiences (Ideas for)

How about some things with an element of risk (you could die doing them!) that say less than 250 people in the world do every year?
by livesoft
Sun Sep 23, 2018 3:20 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3360

Re: How to get rid of rabbits

We used to have a lot of squirrels and white-winged doves. But the Cooper's hawks figured that out and raised bigger families. Now with several nesting pairs in the area, it seems that things are more in balance. So my advice would be to not worry about the rabbits. They will get taken care of event...
by livesoft
Sun Sep 23, 2018 2:18 am
Forum: Investing - Theory, News & General
Topic: How do you define your success in our life, career and job?
Replies: 25
Views: 1672

Re: How do you define your success in our life, career and job?

I did scientific research, so success was clearly defined for me by others in terms of number of publications, citations of those publications, amount of grant money raised, and how well my protégés did after they left my lab and started their own careers. As for life, there is more to it than caree...
by livesoft
Sat Sep 22, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Can salt water kill weeds permanently?
Replies: 18
Views: 2611

Re: Can salt water kill weeds permanently?

Salt water will kill weeds permanently if you keep the salt water around permanently. I suspect you mean spray with salt water, then let dry. If so, then no, salt water cannot kill weeds permanently. That's because rain and other water will eventually wash away any salt that ends up dried and behind...
by livesoft
Sat Sep 22, 2018 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: How to fund education for grandchildren: various strategies? Help?
Replies: 23
Views: 1234

Re: How to fund education for grandchildren: various strategies? Help?

Sandtrap wrote:
Sat Sep 22, 2018 2:12 pm
What do you mean by "overfunding"?
I mean you may have way more than what college costs in a 529 plan and then have to deal with that.
by livesoft
Sat Sep 22, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: HVAC Options -- Any advice?
Replies: 26
Views: 1400

Re: HVAC Options -- Any advice?

Only one other has come in yet and it varied between $16,000 - $23,000. I would not be surprised if some of the local HVAC places have divided up the territory as in: "If you provide an outrageously high quote in my area, then I will provide an outrageously high quote in your area. That way our quo...
by livesoft
Sat Sep 22, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Confused about Roth 401(k) and Roth IRA contributions in the same year
Replies: 6
Views: 645

Re: Confused about Roth 401(k) and Roth IRA contributions in the same year

Yes, you can, but let me clarify your question please. If you make $18,500 + $5,500 as compensation, then it is easy to see. But maybe you are asking the following: If I make only $18,500 this year and my employer (or myself if self-employed), can I contribute not only $18,500 to my Roth 401(k), but...
by livesoft
Sat Sep 22, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: HVAC Options -- Any advice?
Replies: 26
Views: 1400

Re: HVAC Options -- Any advice?

What do your quotes from other vendors tell you?
by livesoft
Sat Sep 22, 2018 1:20 pm
Forum: Investing - Theory, News & General
Topic: Why do Schwab fund only pay distributions once a year?
Replies: 7
Views: 1022

Re: Why do Schwab fund only pay distributions once a year?

Don't know, but Vanguard used to do that, too. I suppose a once-a-year calculation is cheaper for the fund company, but quarterly schedule is not bad for investors since they don't have to "avoid a distribution" that is one-fourth of a big annual distribution.
by livesoft
Sat Sep 22, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: How to fund education for grandchildren: various strategies? Help?
Replies: 23
Views: 1234

Re: How to fund education for grandchildren: various strategies? Help?

Yes, ask the parents. You can tell them that you heard that 529 plans funded by grandparents and owned by grandparents is great because no tax interference with their own tax returns nor the child's tax returns. UTMA/UGMA have tax return consequences. Also warn them of overfunding in case others get...
by livesoft
Sat Sep 22, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Question
Replies: 13
Views: 989

Re: Bond Fund Question

I would be putting money into Total Bond now rather than Short-term Investment Grade (STIG) simply because the blue line is below the orange line. When the orange line goes below the blue line, then I would put money into STIG. When they are close together, then it really doesn't matter what one doe...
by livesoft
Sat Sep 22, 2018 9:13 am
Forum: Investing - Help with Personal Investments
Topic: New job. Need help adding funds to my new 401k
Replies: 10
Views: 573

Re: New job. Need help adding funds to my new 401k

jbuenoo wrote:
Sat Sep 22, 2018 8:59 am
I was also thinking of the 2060 Multi-Index fund. Here is what it holds: https://imgur.com/a/JgIxWoN
LOL! That wasn't too helpful. What is in that first fund? Also what's the other 10% of the fund? Talk about obfuscation!
by livesoft
Sat Sep 22, 2018 7:25 am
Forum: Investing - Help with Personal Investments
Topic: New job. Need help adding funds to my new 401k
Replies: 10
Views: 573

Re: New job. Need help adding funds to my new 401k

Why did responders miss all the index funds that are offered? Hint: Fund names have "multi-index" in them. I'd pick one of them and just call this done. But why not tell us what one of them has in it please? A 2060 Multi-Index fund is going to be aggressive growth. A 2020 Multi-Index fund is going t...
by livesoft
Sat Sep 22, 2018 5:55 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Question
Replies: 13
Views: 989

Re: Bond Fund Question

My question is..... would I benefit from transferring some of the money in my Total Bond Fund to the Short Term Investment Grade Bond Fund? Below is a chart I made at Morningstar.com comparing the Growth Of $10,000 in VBTLX (total bond) and VFSUX (short-term investment grade) over the past 3 years:...
by livesoft
Fri Sep 21, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: New car - 0% loan or $500 rebate
Replies: 26
Views: 1937

Re: New car - 0% loan or $500 rebate

If you have the cash, buy the car with a credit card like the Fidelity 2%. Get $434 cash back, and pay off card right away. Get the lower price, no loan and free $434. You might encounter slight difficulties finding a dealer who will eat that fee and the risk of a chargeback. I just bought a car wi...
by livesoft
Fri Sep 21, 2018 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Timing vs planning -- what would you do?
Replies: 8
Views: 617

Re: Timing vs planning -- what would you do?

Nope, I'm doing nothing of the sort. I'm not even reading such articles because they are a waste of time and I have better things to do.

We are the same age, my spouse is working and I am retired. Living the dream, so no need to speculate about junk articles like the one you described.
by livesoft
Fri Sep 21, 2018 4:43 pm
Forum: Investing - Theory, News & General
Topic: For those who use a 2 year cash(like) buffer, how do you know when to use it?
Replies: 67
Views: 5229

Re: For those who use a 2 year cash(like) buffer, how do you know when to use it?

@FrankLUSMC, tells us what your bond funds in your asset allocation are doing while you are thinking about your equities and cash please.
by livesoft
Fri Sep 21, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: One thing I dislike about TDFs
Replies: 20
Views: 838

Re: One thing I dislike about TDFs

I thought the bogleheads rule of thumb was 50% in international equities because that's about the market weight.
by livesoft
Fri Sep 21, 2018 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Kid's school brought in Wells Fargo to teach them financial literacy today.
Replies: 26
Views: 1956

Re: Kid's school brought in Wells Fargo to teach them financial literacy today.

My bank is WellsFargo. For some reason, I've never paid a fee to them, so they have not cost me a dime. They have free accounts and even free accounts for your teenagers. What financial literacy was actually taught? Full disclosure: I consider all banks and credit unions to be "a pack of crooks." We...
by livesoft
Thu Sep 20, 2018 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Would Stop Orders with ETFs protect against a downturn?
Replies: 21
Views: 1238

Re: Would Stop Orders with ETFs protect against a downturn?

If you plan to hold your portfolio forever, then it won't always be small, so you should start with a good outfit that has been around a long time AND that charges no commissions, no fees for the things that you want to buy. That pretty much restricts your choices in the USA to Fidelity, Schwab, Van...
by livesoft
Thu Sep 20, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Would Stop Orders with ETFs protect against a downturn?
Replies: 21
Views: 1238

Re: Would Stop Orders with ETFs protect against a downturn?

So 1/2 in bonds. Any certain group of bonds? Rest in stocks. Any certain ETF or fund? Or an ETF that is already 1/2 and 1/2? You are ready to read about the 3-fund portfolio: https://www.bogleheads.org/wiki/Three-fund_portfolio But you can also use a Target Date fund from the vendor of your choice.
by livesoft
Thu Sep 20, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: Bad Investments Within Foundation
Replies: 6
Views: 449

Re: Bad Investments Within Foundation

Hard to know. If the investment committee is donating lots of money to the foundation or doing development work by getting clients to donate, then maybe they pay for their keep and the funds they chose.
by livesoft
Thu Sep 20, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 205
Views: 13626

Re: What is your single most expensive mistake?

Majoring in Chemistry/Biochemistry. Every time I hang up on a recruiter wanting to pay me $15 an hour (with an MSc and 10 years experience) with no or crap benefits reinforces that. Hmmm. Majoring in Biochemistry was my single biggest win! As for mistakes, I have made a lot of not so expensive mist...
by livesoft
Thu Sep 20, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: What is a reasonable fee charged by financial planners?
Replies: 30
Views: 2130

Re: What is a reasonable fee charged by financial planners?

Don't forget that a financial planner is not the same as a financial advisor nor an investment manager nor a salesrep. Those latter folks can sometimes call themselves a financial planner without doing any work of financial planning. In particular, I haven't seen evidence that Vanguard provides a fi...
by livesoft
Thu Sep 20, 2018 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Would Stop Orders with ETFs protect against a downturn?
Replies: 21
Views: 1238

Re: Would Stop Orders with ETFs protect against a downturn?

I would be buying things that dropped enough to trigger your stop orders. In other words, I think you are thinking about doing it backwards and will not have as many gains as I will have.
by livesoft
Thu Sep 20, 2018 2:43 pm
Forum: Investing - Theory, News & General
Topic: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]
Replies: 38
Views: 3346

Re: Buying VWIUX Today

For more market timing fun please note that the FOMC will meet next week and raise the FFR. Everybody knows that, but what they don't know is which adjectives and adverbs will change in the FOMC summary statement released on Wednesday.
by livesoft
Thu Sep 20, 2018 1:19 pm
Forum: Investing - Theory, News & General
Topic: Watching for Dividend Ex-Date - any tips?
Replies: 13
Views: 909

Re: Watching for Dividend Ex-Date - any tips?

Google the ticker and the word "dividend" as in: DGS dividend then select the FUND SPONSOR web site to look for declaration date, ex-dividend date, payout date, etc. One can look to see what dates were used in 2017. Hint: For WisdomTree, there will be a Press Release with the information as in: http...