Search found 61594 matches

by livesoft
Tue Aug 14, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: Travel over thanksgiving holiday, drive or fly?
Replies: 50
Views: 2145

Re: Travel over thanksgiving holiday, drive or fly?

I used to live on Long Island. It would take about 4 hours to get off the island during Thanksgiving traffic when normally it would take about an hour.

It is not clear what your extra hour after reaching NYC is spent doing.
by livesoft
Tue Aug 14, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Finding Estimated Dates for VG quarterly funds
Replies: 4
Views: 311

Re: Finding Estimated Dates for VG quarterly funds

Google found this for some Vanguard ETFs: https://sixfigureinvesting.com/2010/02/ex-dividend-pay-dates-vig-vti-vtv-vv-vym/ Apparently, Vanguard likes to keep their ETF ex-dividend and distribution dates a secret until just a couple days before the event. It has that old mutual fund feel to it—”we’ll...
by livesoft
Tue Aug 14, 2018 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Holding only VWENX for retirement
Replies: 12
Views: 1036

Re: Holding only VWENX for retirement

Cons: Manager risk. Not an index fund. Not as diversified as one could be. Also looks like one is basing decision only on past performance and expecting that to continue going forward.
by livesoft
Tue Aug 14, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: Sidewalk repair - price in line?
Replies: 32
Views: 1908

Re: Sidewalk repair - price in line?

Get more bids. Sounds expensive to me.

I suspect you are not the only one in the neighborhood who needs to have their sidewalk repaired, so see what the others are doing. If you all gang up, maybe you can get a group discount.
by livesoft
Tue Aug 14, 2018 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k / TD Ameritrade
Replies: 21
Views: 814

Re: Solo 401k / TD Ameritrade

Hi Thanks. I will think about whether I need to continue with TD or not but so far my experience with them is very bad in terms of transparency and getting any reports out of their system. I will be 54 yrs old when I take the money out of my roth 401k investments. I am thinking of rolling over my r...
by livesoft
Tue Aug 14, 2018 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k / TD Ameritrade
Replies: 21
Views: 814

Re: Solo 401k / TD Ameritrade

I have both a traditional i401k and a Roth i401k at TDAmeritrade with no fees. I don't understand at all why you are rolling over anything. If you stay at TDAmeritrade that is the least complex process. I would be very careful about using a solo 401(k) whether a Roth one or a traditional one for col...
by livesoft
Tue Aug 14, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Are merchants more (too) careless these days?
Replies: 24
Views: 2015

Re: Are merchants more (too) careless these days?

No, they have always exhibited about the same amount of carelessness my entire life.
by livesoft
Tue Aug 14, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 61
Views: 4515

Re: Colorado Summer Vacation - what to see and where to stay

Homemade Wanderlust (Dixie) is hiking the Continental Divide Trail. Here is a recent video of Colorado with mosquitoes. https://www.youtube.com/watch?v=3mnggZ8eMg4 My siblings have lived in Colorado, so I've done a bit of the state including a honeymoon around Leadville and another honeymoon around ...
by livesoft
Tue Aug 14, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 61
Views: 4515

Re: Colorado Summer Vacation - what to see and where to stay

mhc wrote:
Tue Aug 14, 2018 3:28 pm
I have never had a problem with them at higher altitudes.
Tell that to my spouse when we were hiking above the tree line and running out of DEET.
by livesoft
Tue Aug 14, 2018 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k / TD Ameritrade
Replies: 21
Views: 814

Re: Solo 401k / TD Ameritrade

I have seen that people who travel alot have a lot of time for reading. Is that true in your case? If so, then the Bogleheads reading list has a few simple books that you can read and then save yourself thousands of dollars in fees. You might as well start saving now by calling up TDAmeritrade and t...
by livesoft
Tue Aug 14, 2018 3:57 pm
Forum: Investing - Theory, News & General
Topic: Asset location strategy between tax-advantaged account types
Replies: 4
Views: 328

Re: Asset location strategy between tax-advantaged account types

One thing you might be missing is that the asset class that has the highest expected growth also has the highest expected loss.
by livesoft
Tue Aug 14, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: What am I missing about bonds...
Replies: 31
Views: 3795

Re: What am I missing about bonds...

I don't know what is or isn't typical (why I put "may"...) but it would be handy if there were a calculator, to plug in the details about one's particular situation. I gather there isn't, which is surprising. Yes, it would be nice if there were a calculator, but I thought it was pretty well known t...
by livesoft
Tue Aug 14, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 91
Views: 7810

Re: As an American, where are some great places in the world to retire?

Near the grandchildren seems to be a top choice for many people I know.
by livesoft
Tue Aug 14, 2018 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: What am I missing about bonds...
Replies: 31
Views: 3795

Re: What am I missing about bonds...

billthecat wrote:
Tue Aug 14, 2018 2:51 pm
In any event, your zero tax rate scenario may not be typical.
But the scenario of WCI is also not typical ... some might say it only applies to the 1%.
by livesoft
Tue Aug 14, 2018 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: What am I missing about bonds...
Replies: 31
Views: 3795

Re: What am I missing about bonds...

OK, I can see how paying zero taxes on the stock dividends could lead to an advantage to having your stock in taxable. How is your tax rate zero for your taxable holdings? Total is below deductions? No, income is low. People who have low income generally do not pay income taxes. This is old and thi...
by livesoft
Tue Aug 14, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: Are late Vanguard 1099s International/Small cap only?
Replies: 4
Views: 187

Re: Are late Vanguard 1099s International/Small cap only?

Your refund if put on Line 77 counts towards your first quarterly estimated tax payment. If you are making quarterly estimated tax payments, then reduce the first quarter estimated tax payment by the amount of the refund you will put on Form 1040 Line 77.
by livesoft
Tue Aug 14, 2018 2:28 pm
Forum: Investing - Theory, News & General
Topic: Are late Vanguard 1099s International/Small cap only?
Replies: 4
Views: 187

Re: Are late Vanguard 1099s International/Small cap only?

I am unaware of anyone losing their tax refunds due to identify theft. At the worst, refunds are merely delayed. I don't know about late 1099s from Vanguard because I have simplified what I hold at Vanguard. Also, here is a trick to get your tax refund in January without filing any tax return if you...
by livesoft
Tue Aug 14, 2018 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: What am I missing about bonds...
Replies: 31
Views: 3795

Re: What am I missing about bonds...

Let me give a real-world example of why WCI's clickbait of "bonds in taxable" does not work for my single-earner family: We pay 0% tax on long-term capital gains and 0% tax on qualified dividend income. If I don't want to pay income taxes, then tax-efficient equity funds go in taxable. Bond funds in...
by livesoft
Tue Aug 14, 2018 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Alignment Guidance
Replies: 23
Views: 2023

Re: Portfolio Alignment Guidance

Portfolio Visualizer has the problem that it only uses end-of-month values for its data. It cannot actually give one real-world backtested values when one invests at other times than the last day of the month. VT has no bonds, so it is not a benchmark that one should compare to portfolios with 15% f...
by livesoft
Tue Aug 14, 2018 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k / TD Ameritrade
Replies: 21
Views: 814

Re: Solo 401k / TD Ameritrade

I've had a solo 401(k) at TDAmeritrade for a few years now. I have never paid a fee to them. How did you end up paying fees? That's not right.
by livesoft
Tue Aug 14, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Asked my advisor about fees and here's their reply
Replies: 40
Views: 5181

Re: Asked my advisor about fees and here's their reply

Sometimes ignorance is worth the cost of the education.

Other times, education is worth the cost of ignorance.
by livesoft
Tue Aug 14, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Biking with 2 young children - what gear to get?
Replies: 24
Views: 1091

Re: Biking with 2 young children - what gear to get?

Borrow a setup from friends and/or relatives first to see how it goes. They probably have things they don't even use and would give them to you.
by livesoft
Tue Aug 14, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: Automating TLH at Vanguard
Replies: 11
Views: 1007

Re: Automating TLH at Vanguard

I recommend you sell this idea to Vanguard. They need all the help they can get.
by livesoft
Tue Aug 14, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: 61 Year old in need of advice
Replies: 14
Views: 1476

Re: 61 Year old in need of advice

If he employs drivers, then he will not be retired. He will be running a small business which is probably what he is doing now. If one is running a small business as a Sole Proprietor then there are quite a few retirement accounts besides an IRA that one can have. If he hasn't used them, then he nee...
by livesoft
Tue Aug 14, 2018 9:07 am
Forum: Investing - Help with Personal Investments
Topic: 61 Year old in need of advice
Replies: 14
Views: 1476

Re: 61 Year old in need of advice

If he is married and has earned income that will cover the IRA contributions, then he can open IRAs for himself and his spouse. IRS Publication 590A has information.
by livesoft
Tue Aug 14, 2018 9:05 am
Forum: Investing - Help with Personal Investments
Topic: SCZ
Replies: 8
Views: 1749

Re: SCZ

I certainly don't mind if you do that. Why? When I look at something, I want to know why. Outperformance is not a good answer for why for me. I think it is the ol' proverbial 'skating where the puck' was kind of thing. I also look at the other side: Why did the things you mention underperform SCZ? W...
by livesoft
Tue Aug 14, 2018 9:00 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 112
Views: 12375

Re: Very confused with the current market

I would like to be able to predict the future.

I can't do that, so I guess the future instead.

Generally, I don't whine if I guess wrong.
by livesoft
Tue Aug 14, 2018 7:05 am
Forum: Personal Consumer Issues
Topic: Claiming airline compensation
Replies: 9
Views: 775

Re: Claiming airline compensation

Just the usual way. It's even been discussed on bogleheads.org as recently as August 10:
viewtopic.php?t=250954

I wonder how to complain to a radiologist who misread a CT X-ray and how to get compensated for that? But that's another thread.
by livesoft
Tue Aug 14, 2018 7:02 am
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 6983

Re: Retire in Florida or Alabama?

The ocean at the beaches in FL is Turquoise Emerald Green, In Texas its muddy brown, Not sure about sand castles, I have never built one. I think the color of the water depends on the what the weather has been like, but I've been to Florida and Alabama beaches. They are very nice and the water is s...
by livesoft
Tue Aug 14, 2018 5:24 am
Forum: Investing - Help with Personal Investments
Topic: What am I missing about bonds...
Replies: 31
Views: 3795

Re: What am I missing about bonds...

I'm pretty sure that WCI says that bonds that pay taxable distributions do not belong in a taxable account of a taxpayer that pays a high marginal income tax rate. Your post implied to me that WCI thought it was better than OK to have the Wellington fund with its 33% taxable bonds in a taxable accou...
by livesoft
Mon Aug 13, 2018 8:53 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 151
Views: 19341

Re: International stocks in free fall

ReformedSpender wrote:
Mon Aug 13, 2018 8:38 pm
Vanguard total international stock index (admiral and investor shares) just half a percent away from 52 week lows after the close today

:shock:
There will soon be a bevy of TLH posts that will continue until the crescendo in late December.
by livesoft
Mon Aug 13, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 6983

Re: Retire in Florida or Alabama?

They let people drive on the beaches in TX. No thanks when I've got grandkids trying to build sandcastles amongst all the trucks flying up and down the beach. I did a week on Mustang Island and Port Aransas and the beach traffic was pretty annoying, not a relaxing atmosphere at all imho. I have spe...
by livesoft
Mon Aug 13, 2018 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Optimal fixed income allocation for TSP users with a Roth IRA
Replies: 8
Views: 604

Re: Optimal fixed income allocation for TSP users with a Roth IRA

InvisibleAerobar wrote:
Mon Aug 13, 2018 8:00 pm
i'm gonna get skewered for this, but i'm thinking of buying into the next dip, and quite a bit
Well, I'm going to rebalance on the next dip, too. That could be called "buying into the next dip, and quite a bit" if you want to call it that.
by livesoft
Mon Aug 13, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: What is the best way to determine if one should buy something or save their money?
Replies: 29
Views: 1761

Re: What is the best way to determine if one should buy something or save their money?

My rules are simple: 1. If it is a piece of technology, then I have to need (not want) to use it every day and I have to give up a current piece of technology. 2. If it is clothing, then I need to use it almost every month and I have to give up a current piece of clothing or two. 3. If it is somethi...
by livesoft
Mon Aug 13, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: What am I missing about bonds...
Replies: 31
Views: 3795

Re: What am I missing about bonds...

That said: Wellington is a good fund, I just would not hold it in a taxable account because it holds about 33% bonds, which result in taxable distributions. Everyone keeps saying this - except White Coat Investor. https://www.whitecoatinvestor.com/tag/bonds-in-taxable/ Whatever you are implying sug...
by livesoft
Mon Aug 13, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 35
Views: 1074

Re: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)

She has to have friends that did this in the past, so what did her friends tell her when she asked them?
by livesoft
Mon Aug 13, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Timing of car purchase during a model year
Replies: 17
Views: 1550

Re: Timing of car purchase during a model year

You can see what the prices are for a 2018 SUV versus a 2019 SUV right now since 2019 SUVs are on the lots already alongside the 2018's.

If one insists on a 2019 SUV, then buying in August 2019 or later would probably be the best time.
by livesoft
Mon Aug 13, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 6983

Re: Retire in Florida or Alabama?

I don't quite understand the beach thing. Texas beaches have much better sand for castle building and the water is warmer than locations in both Alabama and Florida.

Where are the grandkids located?
by livesoft
Mon Aug 13, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: VTI vs VTSMX
Replies: 10
Views: 793

Re: VTI vs VTSMX

Probably a good reason to choose VTSMX is that one would like to automatically make contributions once a month to an investment in the Total Stock Market Index and want to avoid a manual contribution once a month. Another less good reason is that people have anxiety about submitting an order to buy ...
by livesoft
Mon Aug 13, 2018 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: How Much Cash
Replies: 6
Views: 846

Re: How Much Cash

The market is fragile no matter who is making decisions. That's just a simple fact of life.
by livesoft
Mon Aug 13, 2018 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Investment strategies for already retired
Replies: 9
Views: 1007

Re: Vanguard Investment strategies for already retired

One can only contribute to a Roth IRA if one has earned income which usually comes from a job.

But you can convert some of your 403(b) money to a Roth IRA if you want to and pay taxes on the amount converted.
by livesoft
Mon Aug 13, 2018 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Investment strategies for already retired
Replies: 9
Views: 1007

Re: Vanguard Investment strategies for already retired

If you hold VTSAX for 15 years in a taxable account, it is possible that you pay no taxes on that holding. So that's one definition of tax-advantaged.

It is also possible that you would pay taxes. It depends on information you did not give us.
by livesoft
Mon Aug 13, 2018 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: How Much Cash
Replies: 6
Views: 846

Re: How Much Cash

I keep a big cash reserve of $0.00. Basically, I don't even have enough to pay all my bills in the next couple of weeks. I simply sell some ETFs when I need money to pay bills. How much should you keep in cash? I'm going to recommend 2 to 4 weeks of expenses just in case your SS money doesn't show u...
by livesoft
Mon Aug 13, 2018 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX, rebalancing...market crash question
Replies: 14
Views: 1758

Re: VTSAX, rebalancing...market crash question

In accounts that have only one single fund in them, there is no rebalancing and no concept of rebalancing.

One has to have at least two different funds in order to do any rebalancing. Perhaps your other different fund is "cash", which is another form of "fixed income."
by livesoft
Mon Aug 13, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: 61 Year old in need of advice
Replies: 14
Views: 1476

Re: 61 Year old in need of advice

It's probably going to be very slow going to get any changes made. One easy change that may be hard to accomplish is to find a higher interest rate savings account. Do you know what interest rate is being paid on current savings account? Does he need to have a walk-in bank for his savings account? O...
by livesoft
Mon Aug 13, 2018 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: REIT placement... Why not a Roth? Why tax-deferred?
Replies: 25
Views: 1555

Re: REIT placement... Why not a Roth? Why tax-deferred?

I was waiting for that question. No, because the dividends would not be qualified while I was waiting for the darn thing to lose money.
by livesoft
Mon Aug 13, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard updated 1099 in August!
Replies: 28
Views: 1972

Re: Vanguard updated 1099 in August!

What's the rush to send in an Amended Return? There might be a correction to the correction. We have not filed 2017 taxes yet. I'll get around to it in October. What if you own money? You will end up with interest, right? When one files for an automatic extension one is supposed to pay what they mi...
by livesoft
Mon Aug 13, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Can the greedy 'Private Bank' make any money off my index funds?
Replies: 21
Views: 2082

Re: Can the greedy 'Private Bank' make any money off my index funds?

Sales Reps at banks are judged in a number of ways. One of them is gathering new assets and another is retention of old assets. There are other ways as well which probably include generating commissions and fees. You have helped the sales rep with the first two things. Note that "The Private Bank" i...
by livesoft
Mon Aug 13, 2018 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Optimal fixed income allocation for TSP users with a Roth IRA
Replies: 8
Views: 604

Re: Optimal fixed income allocation for TSP users with a Roth IRA

You stated you are in your early 30's. You apparently don't need any of this money anytime soon. Without risk, there are really no gains. So you need to embrace risk in order to get those gains. That's means you have to lose money in order to get gains. There is really no reason not to lose money wh...