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by livesoft
Thu May 24, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Small & Community Bank ETF's
Replies: 4
Views: 102

Re: Small & Community Bank ETF's

Probably not since small & community banks were not affected by Dodd-Frank in the first place since they probably had less than $50 billion in assets.

https://www.npr.org/sections/thetwo-way ... ller-banks
by livesoft
Thu May 24, 2018 6:40 pm
Forum: Investing - Theory, News & General
Topic: Withdrawal Rates – Part 24: Flexibility Myths vs. Reality
Replies: 86
Views: 8879

Re: Withdrawal Rates – Part 24: Flexibility Myths vs. Reality

^Don't forget that with the extra cash is extra. So just because the withdrawal rate with the extra cash is 3.64% does not match up with the earlier 3.26% SWR of the 1929 cohort. In one case, the 1929 retiree started with about a 10% higher value portfolio. How long would it take you to increase you...
by livesoft
Thu May 24, 2018 6:32 pm
Forum: Investing - Theory, News & General
Topic: Fear vs. reality. Don't worry. Be happy.
Replies: 21
Views: 1300

Re: Fear vs. reality. Don't worry. Be happy.

The point I was trying to make was the change in corporate America (loss of pension plans) and how, I believe, it might makes some of the data in the study shared irrelevant. There is no pension any longer for most - thus the results of the current long time retirees not spending down their savings...
by livesoft
Thu May 24, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Allocation - 54 yr old couple
Replies: 3
Views: 295

Re: Investment Allocation - 54 yr old couple

[...] I'm interested in the community's thoughts about how to manage interest rate sensitivity of the bond portion of our portfolio. [...] 12% - Vanguard Intermediate-Term Investment-Grade Fund Admiral Shares 9% - Vanguard Short-Term Investment-Grade Fund Admiral Shares 19% - Vanguard Total Bond Ma...
by livesoft
Thu May 24, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 8
Views: 430

Re: Quicken Alternatives

MS Money is a free downloadable software package for Microsoft Windows that does what Quicken does. It was not mentioned in this thread yet. I use MS Money to track all my investments, cost basis, performance, etc. I also keep my annual statements with transactions listed with my hard copy of my tax...
by livesoft
Thu May 24, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 38
Views: 2508

Re: US T bills - first time user

fortfun wrote:
Thu May 24, 2018 3:50 pm
What is the expected return on T-bills?
The expected return is shown in the Yield-to-Maturity (YTM), so about 1.92% annualized. A 3-month bill would get one-fourth of that because 3 months is one-fourth of 12 months which is a year.
by livesoft
Thu May 24, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 38
Views: 2508

Re: US T bills - first time user

Fidelity, Vanguard and Schwab don't charge commissions for Treasury trades, so the price you see is the price you get. One can write the same thing about TDAmeritrade. Note that the commissions can be unseen and embedded in the price one pays. That is, it can be pretty hard to tell when there is a ...
by livesoft
Thu May 24, 2018 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Short Duration Bonds ETF with Fidelity
Replies: 11
Views: 342

Re: Short Duration Bonds ETF with Fidelity

This thread suggests that the Fidelity web site sucks when it comes to helping client investors find these things.
by livesoft
Thu May 24, 2018 3:35 pm
Forum: Investing - Theory, News & General
Topic: Fear vs. reality. Don't worry. Be happy.
Replies: 21
Views: 1300

Re: Fear vs. reality. Don't worry. Be happy.

The study is from people born between 1931 and 1941 which would make them 77 to 87 years old or say retired for 20 to 30 years. We know that folks that retired in the 1988 to 1998 time frame had a remarkable sequence of returns benefit. But I do agree with the gist of the article: Don't worry. Be ha...
by livesoft
Thu May 24, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Hard Sided Laptop Protector
Replies: 4
Views: 218

Re: Hard Sided Laptop Protector

Replace the hard drive with a solid-state drive for starters. :) Also laptops with metallic bodies are available. I'm typing this now on a MacBook Air with SSD. I know that the Dells the family has had ages ago had plastic shells. Sure, a new laptop is more expensive than a separate sheet of metal o...
by livesoft
Thu May 24, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: ETF: Compound vs. Day/Swing trading (catch the wave)
Replies: 8
Views: 338

Re: ETF: Compound vs. Day/Swing trading (catch the wave)

How can anyone really answer your questions since the answers will depend on how YOU do Day/Swing trading? You will have to try for yourself and see what happens. One rule that I made up: Don't pay taxes and don't pay fees to trade --- otherwise you will dig yourself a big[ger] hole that you won't b...
by livesoft
Thu May 24, 2018 12:49 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 38
Views: 2508

Re: US T bills - first time user

Just wanted to say Thanks! to the others who have responded in this thread. This could be the start of a Bogleheads.org Wiki page on T-bills.
by livesoft
Thu May 24, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: Low net asset ETF — Issues?
Replies: 17
Views: 674

Re: Low net asset ETF — Issues?

My main issue is that I do not want to own any ETF where my total ownership will be more than about 5% of the average daily volume. So that might mean no more than 5,000 shares of something like DGS. One can then calculate that 5,000 * $52 = $260K. A further calculation might be that $260K is 5% of ...
by livesoft
Thu May 24, 2018 11:12 am
Forum: Investing - Theory, News & General
Topic: Low net asset ETF — Issues?
Replies: 17
Views: 674

Re: Low net asset ETF — Issues?

OK, second question, what needs did you have that only one low asset value ETF would meet them? With your 4K+ posts, I am sure you know that many people on this forum believe that needs can be met with just 3 funds.
by livesoft
Thu May 24, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: Morningatar: sending portfolio info about OTHER PEOPLE?
Replies: 4
Views: 363

Re: Morningatar: sending portfolio info about OTHER PEOPLE?

I saw this a few years ago when I used a M* portfolio X-ray. I was amused by someone's else's portfolio, but I don't recall seeing any personally identifiable info.
by livesoft
Thu May 24, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: div yield for vtsax doesnt make sense to me
Replies: 3
Views: 407

Re: div yield for vtsax doesnt make sense to me

So where did the OP's other 2 dividend payments go? :twisted: I can speculate that their account was a mutual fund account for the June and September 2017 dividends, but was a brokerage account for the December 2017 and March 2018 dividends. Here is a link to the vanguard.com distributions web page ...
by livesoft
Thu May 24, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: Low net asset ETF — Issues?
Replies: 17
Views: 674

Re: Low net asset ETF — Issues?

I personally would not have bought the ETF in the first place whatever it is.

I'd like to explore the psychology of you buying these shares in the first place. First question: Is there another ETF in the same space by another sponsor that has lots of assets and volume?
by livesoft
Thu May 24, 2018 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Should I hire a financial adviser?
Replies: 13
Views: 1191

Re: Should I hire a financial adviser?

Sure, you should hire a financial advisor to get you going. But who will that person be? You should have a plan to disengage yourself and your money from anyone you hire, too. You should want to make sure that it won't cost you a lot of money to switch from using someone for advice and switching to ...
by livesoft
Wed May 23, 2018 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: anyway to get running transaction balance at Vanguard?
Replies: 2
Views: 370

Re: anyway to get running transaction balance at Vanguard?

I have never found a way to get vanguard to update anything in real time. I have mentioned this improvement in surveys sent to me.

This lack of timeliness is one reason I don't put anymore money into our vanguard accounts.
by livesoft
Wed May 23, 2018 7:14 pm
Forum: Investing - Theory, News & General
Topic: Why do "traditional slice-and-dice" portfolios split 50/50 between value and blend?
Replies: 13
Views: 847

Re: Why do "traditional slice-and-dice" portfolios split 50/50 between value and blend?

I think it is because somebody used 50/50 once and everybody else followed, so no real reason. Or maybe somebody did a study and only back-tested 50/50, so that is what you get.

Something similar happened with the dosage for baby aspirin. Ever wonder why the pills are a very oddball dose?
by livesoft
Wed May 23, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Employer pays 50% tuition -- how to fund 529?
Replies: 6
Views: 606

Re: Employer pays 50% tuition -- how to fund 529?

Will your family be eligible for the American Opportunity Tax Credit? And the Lifetime Learning Credit?
by livesoft
Wed May 23, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 96
Views: 4175

Re: How have you upgraded your wardrobe?

@CedarWaxWing, please ask your son what he intends to wear to his PhD defense and seminars when he is applying for jobs.

A nice gift to him might be some clothes for the above. :)
by livesoft
Wed May 23, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 96
Views: 4175

Re: How have you upgraded your wardrobe?

Many years ago, my mom gave me a Brooks Brother shirt as a gift. It fit so well and I received compliments wearing it, so I eventually bought more of these BB shirts. But I only bought them online and on sale. I also bought a BB classic dark navy blazer online and it fits perfectly at more than 50% ...
by livesoft
Wed May 23, 2018 7:36 am
Forum: Investing - Theory, News & General
Topic: Typical interest rate earned by target date funds in retirement?
Replies: 28
Views: 1841

Re: Typical interest rate earned by target date funds in retirement?

Please read the wiki on safe withdrawal rates for a basic understanding of the topic. https://www.bogleheads.org/wiki/Safe_withdrawal_rates Another great set of articles from Early Retirement Now: https://earlyretirementnow.com/2016/12/07/the-ultimate-guide-to-safe-withdrawal-rates-part-1-intro/ Th...
by livesoft
Wed May 23, 2018 6:13 am
Forum: Investing - Help with Personal Investments
Topic: Bond conundrum: looking for recommendations
Replies: 18
Views: 1824

Re: Bond conundrum: looking for recommendations

[...] (pls correct me if I"m misstating this - and I apologize for not 'getting' this at first!) :oops: [...] But in either case, whichever idea one subscribes to, I think you're saying the net-result is the same: put your equities (at whatever level you're comfortable) in taxable accounts and keep...
by livesoft
Tue May 22, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: Riding from the mountains of Slovenia to the mountains of Italy
Replies: 15
Views: 1275

Re: Riding from the mountains of Slovenia to the mountains of Italy

Great write-up / story and memories! Thanks for sharing. Also thanks to the Giro to make you pause in the middle and give you time to write this up and post it here. :) Does your wife ever meet you anywhere during such travels? I am trying to do some solo "adventure" trips that my wife would not wan...
by livesoft
Tue May 22, 2018 7:01 am
Forum: Investing - Help with Personal Investments
Topic: What account to withdraw from?
Replies: 4
Views: 547

Re: What account to withdraw from?

^ RickBoglehead gave a great answer. When withdrawing one should probably figure out which way pays the least taxes, if any. Also many people use withdrawals to rebalance, too. For instance, if one has more equities than their asset allocation plan calls for, then they sell equites. Or if one has mo...
by livesoft
Mon May 21, 2018 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Bond conundrum: looking for recommendations
Replies: 18
Views: 1824

Re: Bond conundrum: looking for recommendations

Longer horizon before I need them; ability to ride out short/intermediate term market downturns, etc. I recognize that bonds, generally-speaking because of the typical tax implications, should be held in pre-tax accounts, but in my personal situation my feeling was to keep equities in pre-tax and k...
by livesoft
Mon May 21, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 99
Views: 6807

Re: I didn't tax-loss harvest this month, did you?

I think you have to allow / tell Betterment that you want your account to have TLH implemented. You pay extra for that.
by livesoft
Sun May 20, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 96
Views: 9708

Re: done with Gmail

register.com will sell you an e-mail account.
by livesoft
Sun May 20, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!
Replies: 22
Views: 1835

Re: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!

We did the math on this before. College does not have to be expensive. In Texas, the best public universities have tuition and fees of about $10,000 a year. So how to pay that? 1. $2,500 American Opportunity Tax Credit 2. Work during summers at minimum wage job gives one about $3,000. 3. Part-time d...
by livesoft
Sun May 20, 2018 8:02 pm
Forum: Investing - Theory, News & General
Topic: Roll your own index fund current viability
Replies: 22
Views: 1398

Re: Roll your own index fund current viability

Another pitfall is that one would have to reinvest dividends from individual stocks and keep track of that cash coming into the sweep account.
by livesoft
Sat May 19, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: International -- VXUS or slice and dice?
Replies: 14
Views: 1264

Re: International -- VXUS or slice and dice?

No one can tell you what is scary to you and to me.

For instance, I would find it scary not to have about 50% in small caps on both the US and international sides.
by livesoft
Sat May 19, 2018 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: International -- VXUS or slice and dice?
Replies: 14
Views: 1264

Re: International -- VXUS or slice and dice?

VXUS did not exist when I set up most of my international funds. Then along the way, I wanted more tax efficiency, so I split international for that as well. So I have VEA and VEU in taxable since they are reasonably tax efficient. VSS and DGS in tax-advantaged. I won't give fund names because folks...
by livesoft
Sat May 19, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!
Replies: 22
Views: 1835

Re: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!

That link says that folks such as upper middle class folks who can max out retirement plan contributions are in the 3% who should definitely use 59 plans. That is, 529 plans are for wealthy people. Perhaps you can change upper middle class to poor families in your opening post in this thread and see...
by livesoft
Sat May 19, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!
Replies: 22
Views: 1835

Re: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!

The premise is bogus. There are no downside risks for upper middle class folks funding 529 plans to pay for college. That is especially true if the family intends to cash flow paying.
by livesoft
Sat May 19, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo Advisors (WFA) Transfer On Death (TOD)
Replies: 25
Views: 1606

Re: Wells Fargo Advisors Transfer On Death (TOD)

When my mom died, the executor did exactly what you noticed should be done: Move deceased assets to heir assets at same financial institution. Then each heir can deal with their own account at that financial institution.
by livesoft
Fri May 18, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: Challenge: guess the effect of rebalancing (by interval or bands) in 2008-2009
Replies: 35
Views: 3596

Re: Challenge: guess the effect of rebalancing (by interval or bands) in 2008-2009

indexonlyplease wrote:
Fri May 18, 2018 6:25 pm
What I was trying to ask is it ok to reballance once a year. Or some reballacing bands make a different. Just trying to clarify what is the best way to reballance.
There is no best way to rebalance.
by livesoft
Fri May 18, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: Are you concerned that over 75% of IPOs are unprofitable?
Replies: 8
Views: 808

Re: Are you concerned that over 75% of IPOs are unprofitable?

Of course, I am not concerned. I think it has always been the case that most IPOs are unprofitable.
by livesoft
Fri May 18, 2018 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Moving taxable investments...tax-free?
Replies: 11
Views: 874

Re: Moving taxable investments...tax-free?

There appears to be some confusion and misunderstanding in this thread because of the choice of vocabulary. Under many circumstances moving assets is not the same as selling assets and buying assets. So moving taxable mutual fund shares to Vanguard can be done. But selling taxable mutual fund shares...
by livesoft
Fri May 18, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Moving to Texas - [Request for clothes, car window tint] recommendations
Replies: 42
Views: 2880

Re: Moving to Texas - [Request for clothes, car window tint] recommendations

Like many states, Texas has car window tint regulations.
https://www.dps.texas.gov/rsd/vi/consum ... owTint.htm

We have avoided cars with black / dark interiors.

I wear the same clothes in Texas that I wore in New York.
by livesoft
Fri May 18, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: vitamins and supplements
Replies: 11
Views: 832

Re: vitamins and supplements

Vitamin B12
Vitamin D
Vitamin P
Vitamin O
and
Vitamin I

They're all good.

P, O, I: Placebo, Oxygen, Ibuprofen, respectively.
by livesoft
Fri May 18, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: Challenge: guess the effect of rebalancing (by interval or bands) in 2008-2009
Replies: 35
Views: 3596

Re: Challenge: guess the effect of rebalancing (by interval or bands) in 2008-2009

ok questions. So in conclusion somone with the 3 fund portfolio with the fixed income in the stable value fund is ok to just balance once a year. (me and this is what I have been doing). This keeps my AA correct is the main reason for me doing this. I could easily not care about reballancing and le...
by livesoft
Fri May 18, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Tax related questions
Replies: 16
Views: 1206

Re: Tax related questions

It is time to read IRS Publication 550 and IRS Publication 590B.

Do you fill out your own Form 1040 each year? If not, time to start doing that, too.

The above will do wonders for your tax knowledge base.
by livesoft
Fri May 18, 2018 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Retiring soon - some questions
Replies: 27
Views: 3121

Re: Retiring soon - some questions

I'm a bit curious that this is what you advise (although I'm sure there's a good rationale I'm missing). Maybe you are missing that the OP is spending down their taxable account. Whether one "sells" money market fund shares or shares in a tax-efficient, passively-managed stock index fund does not c...
by livesoft
Fri May 18, 2018 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Retiring soon - some questions
Replies: 27
Views: 3121

Re: Retiring soon - some questions

If you have not done so, you need to look at the impact of required minimum distributions (RMDs) in your future. These required distributions from your tax-deferred accounts increase in percentage over time (based on remaining life expectancy). With 2.2M in tax-deferred (which could grow to, say, 5...
by livesoft
Fri May 18, 2018 7:40 am
Forum: Investing - Help with Personal Investments
Topic: Retiring soon - some questions
Replies: 27
Views: 3121

Re: Retiring soon - some questions

I do not believe your tax situation makes the tax-exempt muni bond fund a good deal. Based on your portfolio size and your expected income, I think you should tax-loss harvest that entire position and instead put your bond fund assets in your tax-deferred accounts (401(k), rollover IRA). You should ...
by livesoft
Fri May 18, 2018 7:25 am
Forum: Investing - Theory, News & General
Topic: Challenge: guess the effect of rebalancing (by interval or bands) in 2008-2009
Replies: 35
Views: 3596

Re: Challenge: guess the effect of rebalancing (by interval or bands) in 2008-2009

And folks even jump to conclusions. I showed one.single. rebalancing earlier in this thread. Some folks assumed that was the best possible time to rebalance. It was not the best time to rebalance. And perhaps rebalancing twice or thrice or whatever would give better results. It has been shown in oth...
by livesoft
Thu May 17, 2018 8:55 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 438
Views: 21918

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

Another thing that people neglect is that standard deduction and tax brackets are indexed to COLA, so when they have portfolios of $10 million, the standard deduction will be $500,000 or so. Can you please explain... Sure, in the year 2102 when you reach a portfolio of $10 million in size, the rava...
by livesoft
Thu May 17, 2018 6:49 am
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 438
Views: 21918

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

indexonlyplease wrote:
Thu May 17, 2018 6:47 am
How do you fiqure your marginal tax rate? Our income after taxed deferred is in the 22% max for 2018.
Here is what I do: I use tax software and add $100 extra interest to my tax return. I see my taxes go up by $30, thus I am in the 30% marginal income tax bracket.