Search found 59752 matches

by livesoft
Thu Apr 19, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 27
Views: 525

Re: Another discussion about private vs public schools?

Relax. In the early 1970's I went to a public high school that I found out later was nationally ranked. I would not have known it at the time. I had many AP course (yes, in the 1970s) and eventually went on to get a PhD. It was located in the South. We live in a public school system that is outstand...
by livesoft
Thu Apr 19, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Help with rebalancing retirement accounts
Replies: 2
Views: 158

Re: Help with rebalancing retirement accounts

I would not sell the 500 index at a gain in taxable in order to make any rebalancing moves unless the gain was not taxed because you are in a very low income tax bracket and won't pay state income taxes on it. Whether you stop adding to it and buy Total US Stock Market Index fund going forward will ...
by livesoft
Thu Apr 19, 2018 6:00 am
Forum: Investing - Theory, News & General
Topic: Goof? Prime MM, "retail," "Admiral," $5 million minimum?
Replies: 15
Views: 1239

Re: Goof? Prime MM, "retail," "Admiral," $5 million minimum?

It is probably a fund that some people use when they transfer assets to Vanguard and then DCA into their longer term investments. It plays to the mental accounting and behavioral finance aspects of rational investors.

Full disclosure: I have no money in this fund.
by livesoft
Wed Apr 18, 2018 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Consulting income-how to manage taxes?
Replies: 11
Views: 843

Re: Consulting income-how to manage taxes?

I wonder what the use of the word "our" actually means here. Do both spouses work and have plans?
by livesoft
Wed Apr 18, 2018 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds vs. Fixed/Guaranteed Income
Replies: 16
Views: 1327

Re: Bonds vs. Fixed/Guaranteed Income

The yield aka interest-rate aka return paid by the stable value will most certainly not be stable at 2.52%. It will vary over time.
by livesoft
Wed Apr 18, 2018 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: ETFs for cash savings
Replies: 8
Views: 666

Re: ETFs for cash savings

BIL is also pretty much like a money market fund.

But 3-4 years out? I would use equities myself such as VTI.
by livesoft
Wed Apr 18, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: Lack of FDIC Insurance a big deal?
Replies: 18
Views: 1470

Re: Lack of FDIC Insurance a big deal?

Why would you be suspicious of using 1-3 month T-bills for a money market fund. I can't think of a safer MMF than one that exclusively used such instruments. Would you rather they used commercial paper like the Reserve Fund? I guess I wasn't too clear. I am concerned about bait-and-switch. T-bills ...
by livesoft
Wed Apr 18, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to argue for S&P
Replies: 15
Views: 812

Re: How to argue for S&P

One is a multinational mid-cap growth fund and the other is a US large-cap blend fund. Cue: Mel Lindauer.
by livesoft
Wed Apr 18, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: How do you know what price to negotiate when buying a used car?
Replies: 28
Views: 1348

Re: How do you know what price to negotiate when buying a used car?

Calling all car shopper experts :moneybag ! I'm in the market for a certified 2015 Camry and need to gauge the right price to base my negotiations with the dealer. I used the Kelly Blue Book estimate but it only gives me a range and for the car that I want, the dealer's price is within the KBB rang...
by livesoft
Wed Apr 18, 2018 5:17 pm
Forum: Investing - Theory, News & General
Topic: Wellesley January Price Drop? Why?
Replies: 23
Views: 1906

Re: Wellesley January Price Drop? Why?

Wellesley performance has been underwhelming this year, compared to other funds IN IT'S CATEGORY. It's currently in the bottom 7% of all "Allocation - 30-50% equity" funds YTD according to M*. Like many close to ER, I have sizable investments in Wellesley and have always considered it my "sleep wel...
by livesoft
Wed Apr 18, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Are you keeping more in cash?
Replies: 21
Views: 2364

Re: Are you keeping more in cash?

No cash. I still hate cash. But I don't mind something like 1-3 month T bills for some market timing purposes.
by livesoft
Wed Apr 18, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: How do you know what price to negotiate when buying a used car?
Replies: 28
Views: 1348

Re: How do you know what price to negotiate when buying a used car?

Oh, another thought: If you try to negotiate to a low price and never close the deal, then you can pretty well know that your low price is probably too low. So I would suggest that you have many failures and not be bothered by them at all. Then you will really know what price to negotiate to.
by livesoft
Wed Apr 18, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale Rule - Purchase Before Sale
Replies: 7
Views: 270

Re: Wash Sale Rule - Purchase Before Sale

I will construct a scenario where one can have a good wash sale, but avoiding the wash sale would hurt you. 1. Buy Vanguard Total Stock Market last year and pay $140 a share for VTI. 2. VTI drops to $100 a share, so you have choice: a. Buy more to rebalance, or b. Tax--loss harvest and buy VV (large...
by livesoft
Wed Apr 18, 2018 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale Rule - Purchase Before Sale
Replies: 7
Views: 270

Re: Wash Sale Rule - Purchase Before Sale

Yes, yes, and sort-of yes. You will have a wash sale for the one share. The One unsold share will have its cost basis adjusted. So if you sold that one share a day (or anytime later), then it will have a different line on your Form 1040 Schedule D / Form 8949 where any gain/loss with the new basis w...
by livesoft
Wed Apr 18, 2018 3:21 pm
Forum: Investing - Theory, News & General
Topic: Short-Term Investment Options for a Rising-Rate, Volatile-Market Environment
Replies: 4
Views: 415

Re: Short-Term Investment Options for a Rising-Rate, Volatile-Market Environment

Seems like this article is about 30 to 60 days late. I already own T-bills and "floaters" and short-term bonds. Since total US bond has dropped in price, I now prefer to buy it than the things mentioned in the Schwab article. If we chart the "growth of" Total US Bond (BND), T-bills (BIL), floaters (...
by livesoft
Wed Apr 18, 2018 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Bond allocation for taxable accounts
Replies: 5
Views: 507

Re: Bond allocation for taxable accounts

At 22%, you are in a tax bracket where tax-exempt muni bonds don't make much sense for you. So BND is probably OK if you insist on having bonds in taxable. You can always save on taxes by finding something that pays out a lower interest or dividend, but do you really want to have less money after ta...
by livesoft
Wed Apr 18, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for non-retirement funds in light of looming college bills
Replies: 8
Views: 491

Re: Strategy for non-retirement funds in light of looming college bills

We had college expenses over many years with our kids. We considered all our money as eligible to pay for college, so we did NOT have an asset allocation separate for each child. For instance, when our oldest was in college, we were happy to have quite a lot of equities. That was terrible around 200...
by livesoft
Wed Apr 18, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: How do you know what price to negotiate when buying a used car?
Replies: 28
Views: 1348

Re: How do you know what price to negotiate when buying a used car?

I look across the nation for the actual sales prices of similar cars. So for a Certified pre-owned car, I usually start offering at least 20% below asking price and expect to pay lower than 15% off original asking price of the used car at a dealer. And watch out that they show the car with one set o...
by livesoft
Wed Apr 18, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: Lack of FDIC Insurance a big deal?
Replies: 18
Views: 1470

Re: Lack of FDIC Insurance a big deal?

I am OK with Vanguard Prime Money Market, but not necessarily with MM funds from other vendors. Furthermore, I am suspicious of other vendors who might use 1-3 month T-bills for their MM funds nowadays, but might switch to something else to bail out another part of the company in a crisis. But at th...
by livesoft
Wed Apr 18, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Planning a week in Yellowstone 2019
Replies: 5
Views: 387

Re: Planning a week in Yellowstone 2019

We went for about 10 days in September. It snowed one day. I think September will be great. After Labor Day when school has started, the tourists are mostly the Nearly Dead and the Newly Wed. Forest fires could close huge sections of the Park and also Roads. We stayed in Jackson, Colter Bay, and in ...
by livesoft
Wed Apr 18, 2018 9:46 am
Forum: Investing - Help with Personal Investments
Topic: TLH question
Replies: 3
Views: 250

Re: TLH question

aristotelian wrote:
Wed Apr 18, 2018 8:28 am
Yes, you can absolutely buy more of B. You would have to wait 30 days to buy more of A.
Count carefully and watch the nuance of the English language. You have wait until after 30 days which might also be stated as "wait 31 days to buy more of A."
by livesoft
Wed Apr 18, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: How do I properly calculate taxable yield for Vanguard Municipal Money Market?
Replies: 9
Views: 428

Re: How do I properly calculate taxable yield for Vanguard Municipal Money Market?

I've always disliked that places bump up the yield of tax-exempt things to make it look better. I prefer to bump down the yield of taxable things to show me what I'm really getting to invest and/or spend.
by livesoft
Wed Apr 18, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 86
Views: 6640

Re: Quitting job - what to do if getting walked to the door

Presumably one has already cleaned up any personal stuff on company computers and cell phones. Also one should have the contact information of everybody that you want to keep in contact with.
by livesoft
Wed Apr 18, 2018 6:21 am
Forum: Investing - Theory, News & General
Topic: Angel investor breakfast
Replies: 19
Views: 2067

Re: Angel investor breakfast

Did this breakfast conversation cover about any of the failures and losses? I have found that usually they are much more interesting than the successes.
by livesoft
Tue Apr 17, 2018 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Weighted Expense Ratio Calculator
Replies: 6
Views: 438

Re: Weighted Expense Ratio Calculator

Vanguard Portfolio Watch will do this for you. So will M* Portfolio X-ray.

See : viewtopic.php?t=150267
by livesoft
Tue Apr 17, 2018 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds vs. Fixed/Guaranteed Income
Replies: 16
Views: 1327

Re: Bonds vs. Fixed/Guaranteed Income

One doesn't really have to decide because no decision is "all-or-nothing." For instance, the majority of my fixed income assets are in Total US Bond Index funds, but I have some in a 3% stable value fund, and some in T-bills. Now if you ask how to decide how to split things up, I don't think it real...
by livesoft
Tue Apr 17, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: Is c10-30 Alkyl Acrylate Crosspolymer an Environmental Pollutant?
Replies: 7
Views: 465

Re: Is c10-30 Alkyl Acrylate Crosspolymer an Environmental Pollutant?

Canada To Measure Marijuana Use By Testing Sewage
Statistics Canada has begun to do city-scale drug screening by monitoring what Canadians flush down the toilet.
by livesoft
Tue Apr 17, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Is c10-30 Alkyl Acrylate Crosspolymer an Environmental Pollutant?
Replies: 7
Views: 465

Re: Is c10-30 Alkyl Acrylate Crosspolymer an Environmental Pollutant?

\What ingredient(s) should I seek to avoid to ensure that I do not purchase a product with microbes? Microbes are everywhere. I would guess the only products without microbes are those labeled "Sterile", but all the packaging and your fingers will have microbes on them. I would say that "c10-30 alk...
by livesoft
Tue Apr 17, 2018 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - doing the 3-funds with a tilt
Replies: 16
Views: 922

Re: Portfolio review - doing the 3-funds with a tilt

I'm not a fan of REITs at this point in time. One has to be careful of "skating to where the puck was" and following the advice of old books. I don't think owning REITs will kill your portfolio here, but I'm still sticking to my opinion. For tilts, I like the simplified ultimate buy-and-hold nowaday...
by livesoft
Tue Apr 17, 2018 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - doing the 3-funds with a tilt
Replies: 16
Views: 922

Re: Portfolio review - doing the 3-funds with a tilt

RamblinDoc wrote:
Tue Apr 17, 2018 6:34 pm
Good question - as a side note, I've often wondered if some military members say they are "from" a state with no state income tax while they are in the military... Who knows...
I'm very very familiar with one family that did that. So you have Texas plates on your car? :)
by livesoft
Tue Apr 17, 2018 6:34 pm
Forum: Investing - Theory, News & General
Topic: Wellesley January Price Drop? Why?
Replies: 23
Views: 1906

Re: Wellesley January Price Drop? Why?

Bonds. Simply bonds. Probably also confounded by the big run-up in January beyond all expectations. You do know the stock market dropped about 10% in those days, right?
by livesoft
Tue Apr 17, 2018 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - doing the 3-funds with a tilt
Replies: 16
Views: 922

Re: Portfolio review - doing the 3-funds with a tilt

I'm puzzled by the VHCOL and Texas residency thing. I'm quite familiar with Texas and for the life of me I cannot come up with any VHCOL place in Texas. I am aware of more expensive places to live in the Houston, Dallas, Austin, and San Antonio areas, but they are all cheap compared to San Francisco...
by livesoft
Tue Apr 17, 2018 5:13 pm
Forum: Investing - Theory, News & General
Topic: Your Money Or Your Life
Replies: 46
Views: 5698

Re: Your Money Or Your Life

A few articles coming out recently on the book.

See also: https://www.nytimes.com/2018/04/13/busi ... money.html
by livesoft
Tue Apr 17, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Taxes for Parents with Teen working
Replies: 3
Views: 163

Re: Filing Taxes for Parents with Teen working

No changes. Use tax prep software. Presumably you are filing for the American Opportunity Tax Credit already and have looked at IRS Publication 970. Your son can figure out his own tax return. It is called #adulting. Also I guess both of you filed Form 4868 (extension to file) so that you can work o...
by livesoft
Tue Apr 17, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Help me explain why pre-tax investing can help when retiring in same bracket
Replies: 66
Views: 4285

Re: Help me explain why pre-tax investing can help when retiring in same bracket

I didn't read all the posts, but I would ask this question first: "Do you believe that if you retire in the same tax bracket as when you contribute, that you will not pay a higher percentage of taxes in retirement than you do now?" Then that will help tell me their mindset and I would decide how to ...
by livesoft
Tue Apr 17, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: I'm Building A Google Finance Alternative...
Replies: 3
Views: 554

Re: I'm Building A Google Finance Alternative...

Just copy what the free download Microsoft Money does and you will be golden. There is also some open source software around (GNU cash?) that one can start with and build on.
by livesoft
Tue Apr 17, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: Best Rating sites for TVs
Replies: 22
Views: 1357

Re: Best Rating sites for TVs

I bought a $3K+ TV several years ago. It was a Samsung. I only made a cursory look at the ratings in order to get a decent TV. I was not concerned about getting "the best", but bought a last year's model. I didn't even watch the TV in a store. The TV has been superb. Even my kids are satisfied with ...
by livesoft
Tue Apr 17, 2018 6:43 am
Forum: Investing - Help with Personal Investments
Topic: What to do with gifted individual losers and gainers?
Replies: 14
Views: 742

Re: What to do with gifted individual losers and gainers?

I always sell anything gifted / inherited to me and invest in my asset allocation of index funds. If I gift shares to my children, I insist they sell and invest in their own asset allocation plan following their IPS. Note that gifted shares are not inherited shares and do NOT get a stepped up basis....
by livesoft
Mon Apr 16, 2018 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding my Wash Sale
Replies: 13
Views: 641

Re: Understanding my Wash Sale

That's right, the loss is permanently disallowed, so you should not claim the entire loss on your 2018 taxes. And Vanguard will not disallow the loss washed by the purchase in the Roth IRA for you.
by livesoft
Mon Apr 16, 2018 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding my Wash Sale
Replies: 13
Views: 641

Re: Understanding my Wash Sale

Yea, for the sale on 03/29/2018, Vanguard said "Wash sale adjustments from transaction on 02/27/2018" and offset some of my ST loss with a positive amount. I guess this means they disallowed the 33 units I purchased from 2/27/2018 from the short-term loss. Since I don't really track basis in my 401...
by livesoft
Mon Apr 16, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding my Wash Sale
Replies: 13
Views: 641

Re: Understanding my Wash Sale

Did any of your financial institutions note anywhere that you have a wash sales? I am just curious if they figured it out for you.

If you haven't seen how Vanguard indicates wash sales, please see this thread: viewtopic.php?t=179414
by livesoft
Mon Apr 16, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: Firstrade Makes a Splash With 700 Commission-Free ETFs (Including Vanguard!)
Replies: 12
Views: 1478

Re: Firstrade Makes a Splash With 700 Commission-Free ETFs (Including Vanguard!)

I'm happy to see another name to add to the list. OTOH, free trades are the norm, so anybody that has to pay a commission is probably not looking too hard. In the old days, brokerages touted their long list of No-Transaction-Fee mutual funds, but one doesn't need a list of 5,000 or more mutual funds...
by livesoft
Mon Apr 16, 2018 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Gifting Shares to Son to fund ROTH
Replies: 6
Views: 525

Re: Gifting Shares to Son to fund ROTH

We have gifted shares to our working kids that they immediately sell. Since they have earned income from jobs, they use the money to contribute to their Roth IRAs. So the answer to the question is YES! Of course, they get to learn about filling out tax returns, how to report their 1099-B and 1099-DI...
by livesoft
Mon Apr 16, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: What advantages do a personalized portfolio have over a target date fund, in your opinion?
Replies: 49
Views: 2679

Re: What advantages do a personalized portfolio have over a target date fund, in your opinion?

VG 2015 retirement has over 40% of stocks and over 24% of bonds in international. It also has 27% in TIPS. Even if I accepted those allocations to be appropriate, only 41.73% of the fund in stocks doesn't fit my personal risk profile. Why should a retiree buy a fund that is both too conservative (s...
by livesoft
Mon Apr 16, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Yellowstone time needed
Replies: 22
Views: 2062

Re: Yellowstone time needed

The OP will find out soon enough about trying to book lodging. :twisted:
by livesoft
Mon Apr 16, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: HELP - IRS says I owe close to $12,000 for 2016 taxes
Replies: 26
Views: 4281

Re: HELP - IRS says I owe close to $12,000 for 2016 taxes

This is a classic thread of why one should not start DRIP plans anymore without knowing to keep meticulous records. I do recall all the financial magazines of the 1970s and 1980s touting these DRIPs, but I don't recall those same articles telling one to keep meticulous records, so I wonder if we onl...
by livesoft
Mon Apr 16, 2018 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Moving equities from IRA to brokerage account
Replies: 8
Views: 503

Re: Moving equities from IRA to brokerage account

I think some of the earlier responses to this thread assumed you were going to withdraw from the IRA and not simply exchange funds within the IRA. I'd do what you are thinking if I was in your shoes. Can you estimate the gains/losses in the bond funds in taxable that you want to exchange and tell us...
by livesoft
Mon Apr 16, 2018 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Individual 401K Advice: Vanguard or ETrade?
Replies: 6
Views: 410

Re: Individual 401K Advice: Vanguard or ETrade?

For those who have chosen TD Ameritrade over E-trade, what swayed your decision? Are there benefits to TD Ameritrade that I am missing? The sways for me: 1. I already had several accounts at TDAmeritrade. We've been clients for 24 years. 2. They have a very local office which I go into about once a...
by livesoft
Mon Apr 16, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Advice for daughter entering into college shared rental situation?
Replies: 17
Views: 1311

Re: Advice for daughter entering into college shared rental situation?

I know some students who also moved into a newly built apartment complex. They signed leases before construction (punch-list) finished. It turned out the building didn't pass fire marshall inspection and no one was allowed to move in even though classes started. The management put the students in a ...
by livesoft
Mon Apr 16, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: Recommend airline luggage fitting in overhead bin?
Replies: 23
Views: 1797

Re: Recommend airline luggage fitting in overhead bin?

What a great thread! It is pretty much like all the threads on luggage and there are quite a few. OK, if the OP wants a 4-wheel spinner, I can say I bought one and used it, then gave it to my spouse. I got a cheap TravelPro at TuesdayMorning. It is unremarkable, fits in overhead bins of planes bigge...