Search found 54985 matches

by livesoft
Wed Jul 12, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Home made "Trail mix"
Replies: 13
Views: 871

Re: Home made "Trail mix"

I get ingredients wherever I get them. Sometimes I make my own and sometimes I just buy something and sometimes I augment what I buy.
by livesoft
Wed Jul 12, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: Seeking Advice - Broken Sprinkler System after Home Purchase
Replies: 28
Views: 1937

Re: Seeking Advice - Broken Sprinkler System after Home Purchase

Why not fix it yourself for about $100 in parts? You can do it by devoting 2 hours a week until you get it done. $2000 sounds awfully expensive to me.

And yes, I have extensive experience repairing an in ground irrigation system. Even paying someone to start it up sounds like a ripoff.
by livesoft
Wed Jul 12, 2017 5:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard FTSE All-World ex-US Small-Cap ETF
Replies: 20
Views: 4323

Re: Vanguard FTSE All-World ex-US Small-Cap ETF

VSS / VFSVX has been my major holding this year. I own both share classes because of the convenience. I think it is the best option, but doesn't Schwab have an international small cap (maybe fundamental) now?
by livesoft
Tue Jul 11, 2017 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting with low amounts of Vanguard ETFs
Replies: 1
Views: 166

Re: Reinvesting with low amounts of Vanguard ETFs

The "reinvest" part works automatically and your broker will buy a fractional ETF share for you. For instance, my broker bought 0.005 shares of VCSH with the 42 cent dividend that I once received.

You can't buy fractional shares of an ETF on your own, but your broker can in this case.
by livesoft
Tue Jul 11, 2017 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: What is the advantage of deferring taxes vs paying them up front?
Replies: 57
Views: 4887

Re: What is the advantage of deferring taxes vs paying them up front?

Even better, have a Roth 401(k) and put at least $6,500 of your 401(k) contribution into it so you have at least $5,500 ($6,500 if over 50) showing in box 1 of your W-2. Then you can max out your tIRA or Roth IRA as well. Yes, one can mix and match. My spouse has earned income, too, so we max Roth ...
by livesoft
Tue Jul 11, 2017 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: What is the advantage of deferring taxes vs paying them up front?
Replies: 57
Views: 4887

Re: What is the advantage of deferring taxes vs paying them up front?

If you are still earning income, the question of how much to tax-defer and how much to pay taxes on remains, especially if your deductions are not very high. It is quite difficult to answer the question without an accurate crystal ball. I still earn income. I put all of my earned income into my 401...
by livesoft
Tue Jul 11, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade vs Vanguard for Vanguard ETFs?
Replies: 40
Views: 2153

Re: TD Ameritrade vs Vanguard for Vanguard ETFs?

Tax-loss harvesting of mutual fund shares is just as trivial as TLH of ETF shares. I posted a thread with screen captures of my tax-loss harvesting of a Vanguard mutual fund: https://www.bogleheads.org/forum/viewtopic.php?t=179414 Also, one can submit an order for an ETF that avoids the bid/ask spre...
by livesoft
Tue Jul 11, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: How to Tax Gain Harvest My Taxable Account
Replies: 21
Views: 1498

Re: How to Tax Gain Harvest My Taxable Account

1. Are 0% long term gains bracket determined by my tax bracket after deductions and exemptions? Use tax software and understand it to see that taxes are based on taxable income. Which line is that on Form 1040? 2. Does it make sense to tax gain harvest in this situation? It makes sense to tax-gain ...
by livesoft
Mon Jul 10, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: what happened to new KO roses?
Replies: 20
Views: 1351

Re: what happened to new KO roses?

To make this finance related, I suppose you are taking them back to HomeDepot and getting a full refund. HD does that, you know.
by livesoft
Sun Jul 09, 2017 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Non-working spouse Roth questions
Replies: 7
Views: 859

Re: Non-working spouse Roth questions

Yes, that is true. The IRS says so as well: https://www.irs.gov/pub/irs-pdf/p590a.pdf
by livesoft
Sun Jul 09, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 65
Views: 3988

Re: Coyote control

So you don't want to talk to anyone in the Government about this? I've never known a government agency to do anything about coyotes. Bears yes, and occasionally cougars or wolves, but not coyotes. Government employees put out cyanide bombs for coyotes. For instance: http://www.reuters.com/article/u...
by livesoft
Sun Jul 09, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: How much lag behind the DOW/SP500 is acceptable in a well constructed portfolio?
Replies: 23
Views: 1068

Re: How much lag behind the DOW/SP500 is acceptable in a well constructed portfolio?

Is this serious? Any portfolio with a percentage allocated to fixed income has all the rights and privileges of performing less than a 100% equity portfolio. Sure, one might expect fixed income (bonds) to help outperform sometimes, so let's see.... Don't equities usually have a loss in about 20% to ...
by livesoft
Sun Jul 09, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 65
Views: 3988

Re: Coyote control

So you don't want to talk to anyone in the Government about this?
by livesoft
Sun Jul 09, 2017 3:33 pm
Forum: Investing - Theory, News & General
Topic: Periodic investing to reduce/eliminate need to rebalance?
Replies: 15
Views: 1146

Re: Periodic investing to reduce/eliminate need to rebalance?

The wiki https://www.bogleheads.org/wiki/Rebalancing discusses this briefly as one of the ways to maintain an Asset Allocation.
by livesoft
Sun Jul 09, 2017 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting and Betterment
Replies: 26
Views: 2180

Re: Tax loss harvesting and Betterment

I have had it about 6 months. Is it worth it for me to turn it on? I can not get many answers on it. Do I lose money if I turn it on? Like they won't invest the same way? Or is it basically ok for me to do it? […] I have no interest in leaving betterment, as I am extremely happy with them and have ...
by livesoft
Sun Jul 09, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Doing dishes while camping
Replies: 38
Views: 2680

Re: Doing dishes while camping

I have a 35+ year-old aluminum cook set for backcountry camping. The lid to the 1.5 qt pot is actually a silverstone-coated frying pan of about 6 inches in diameter. So far, nothing has stuck to this pan, so clean-up is wiping it out with toilet paper, then low-volume wash and rinse. The TP can be b...
by livesoft
Sat Jul 08, 2017 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Starting college savings
Replies: 29
Views: 2135

Re: Starting college savings

I suggest that both you and your spouse contribute the maximum possible every year to your Roth IRAs. Sure you can use some of them for college, but I predict you probably won't.
by livesoft
Sat Jul 08, 2017 7:19 pm
Forum: Investing - Theory, News & General
Topic: plus and minus signs on sweep transactions VG Brokerage account
Replies: 7
Views: 653

Re: plus and minus signs on sweep transactions VG Brokerage account

I think the "sweep" is just Purgatory that money going in and out of settlement account has to spend time in. Sometimes it never makes it to the settlement account, too.
by livesoft
Sat Jul 08, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 120
Views: 6043

Re: Shopping for first bike since I was a kid

The OP needs a helmet and a decent pump, but the rest of that stuff can come later, if at all. I would not be surprised if Uber was used for a flat tire.
by livesoft
Sat Jul 08, 2017 6:55 pm
Forum: Personal Consumer Issues
Topic: Doing dishes while camping
Replies: 38
Views: 2680

Re: Doing dishes while camping

bligh wrote:,,. the water looked filthy only part way through.

It doesn't matter if the water looks filthy because that was stuff you put in your mouth anyways. Plus you got 2 at least rinses to go.
by livesoft
Sat Jul 08, 2017 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house in FEMA flood zone X
Replies: 30
Views: 1700

Re: Buying a house in FEMA flood zone X

Many places that flood had people state: "It's never flooded here before."
by livesoft
Sat Jul 08, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: A question about GENTLE excercise.............
Replies: 22
Views: 2455

Re: A question about GENTLE excercise.............

I suggest doing something with those rubber band tubes. They are in all the sports & outdoor equipment stores. There are numerous exercises with the lowest resistance bands. youtube.com gets you going.

Yoga sounds too dangerous on your own.
by livesoft
Sat Jul 08, 2017 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade vs Vanguard for Vanguard ETFs?
Replies: 40
Views: 2153

Re: TD Ameritrade vs Vanguard for Vanguard ETFs?

welderwannabe wrote:However this is easily avoided by switching to electronic statements/prospectuses.

Oh, then they missed that, too.
by livesoft
Sat Jul 08, 2017 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Starting college savings
Replies: 29
Views: 2135

Re: Starting college savings

So when you intend to use the 403(b) money you know you will be taxed on it, right? What about an early withdrawal penalty? Will you have to pay it?
by livesoft
Sat Jul 08, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Doing dishes while camping
Replies: 38
Views: 2680

Re: Doing dishes while camping

Go to youtube.com and search, then watch. I did! I also tried following the videos but they make it look so much easier than it was when I tried it. I was either having dirty dishes, or using too much water. [,,,] Love it. Thanks livesoft! This is , exactly what I was looking for. I will give that ...
by livesoft
Sat Jul 08, 2017 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade vs Vanguard for Vanguard ETFs?
Replies: 40
Views: 2153

Re: TD Ameritrade vs Vanguard for Vanguard ETFs?

You are missing that Vanguard does not charge $20/mo. Vanguard charges nothing.

I own ETFs at both of those brokerages and prefer TDAmeritrade between the two. But TDAmeritrade has rules one has to follow which are stated explicitly on their website.
by livesoft
Sat Jul 08, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 120
Views: 6043

Re: Shopping for first bike since I was a kid

bogleheads.org has the best bike buying advice in past threads on the subject. And still craigslist is a great way to go. You can get 3 or 4 great bikes for the price of new. What to get? Please read the other threads. $400 for tooling around bikes should be fine for 3 or 4 used bikes. I got a titan...
by livesoft
Sat Jul 08, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Doing dishes while camping
Replies: 38
Views: 2680

Re: Doing dishes while camping

Backpackers can make meals in the containers that the food comes in. Foil pouch technology is awesome today. So they just add hot water, stir, and use a home-made koozie to keep it hot for tens of minutes. Eat out of pouch with a long-handle spoon, then empty pouch goes in trash to be carried out.
by livesoft
Sat Jul 08, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Doing dishes while camping
Replies: 38
Views: 2680

Re: Doing dishes while camping

Go to youtube.com and search, then watch. I camp single, double, and with a large group of say 8 people. Let's say we are cooking on a stove a big one-pot meal such as Kung Pao chicken or Thai curry w/chicken or jambalaya. We will scrape out the pot with a spatula (nylon or silicone) to serve into p...
by livesoft
Sat Jul 08, 2017 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Starting college savings
Replies: 29
Views: 2135

Re: Starting college savings

Please explain how you would use a 403(b) for college. I have some thoughts, but I want to read your thoughts on that.
by livesoft
Sat Jul 08, 2017 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Proposed AA - Please critique [Asset Allocation]
Replies: 22
Views: 1071

Re: Proposed AA - Please critique [Asset Allocation]

TotalWeights for 60/40 is basically VSMGX. That is sometimes called the 3-fund portfolio around here.

Here is a thread about rebalancing: viewtopic.php?t=194427 Be sure to understand the number "108,381" from that thread.
by livesoft
Sat Jul 08, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: How to block autostart video
Replies: 6
Views: 421

Re: How to block autostart video

I just typed "how to block autoplay video in Chrome" and came up with a number of solutions. I don't want to cut-and-paste.
by livesoft
Sat Jul 08, 2017 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Proposed AA - Please critique [Asset Allocation]
Replies: 22
Views: 1071

Re: Proposed AA - Please critique

One question for you. From the link you sent on the four-fund slice and dice option, it is compelling how closely it tracks the 8-fund option. How confident are you that it will continue to do so? Do you have evidence beyond the close tracking you shared? I am confident enough of such a 4-fund (for...
by livesoft
Fri Jul 07, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house in FEMA flood zone X
Replies: 30
Views: 1700

Re: Buying a house in FEMA flood zone X

My house is in Flood Zone X unshaded. I can say that the nearby area of Flood Zone X (shaded) did flood while I have lived here with water in some houses. I can say that nearby areas in Flood Zone X unshaded had street flooding deep enough that one could not drive their cars through it. I can say th...
by livesoft
Fri Jul 07, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house in FEMA flood zone X
Replies: 30
Views: 1700

Re: Buying a house in FEMA flood zone X

I heard this from a water hydrologist just a moment ago: Everybody is in a flood zone, but maybe it is just not mapped. Even if you are on a hill, there could be local flooding. I think you can use Common Sense and knowledge of the history of the area. Just note that land development will change poo...
by livesoft
Fri Jul 07, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: VTMFX - Vanguard Tax Managed Balanced
Replies: 10
Views: 1247

Re: VTMFX - Vanguard Tax Managed Balanced

I'm not sure why anyone would want to own this fund rather than a separate Total Stock Market Index fund and a tax-exempt bond fund. There are advantages to holding separate funds and disadvantages to holding the one fund of both asset classes. Here's a recent thread on the subject: https://www.bogl...
by livesoft
Fri Jul 07, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: Etiquette question regarding access easement usage
Replies: 28
Views: 2998

Re: Etiquette question regarding access easement usage

I am aware of an easement recorded in 1927 that was ignored by a surveyor in 2005, so a subsequent developer claimed "I didn't know" and built homes virtually right on top of it. Research shows the title company didn't have its act together either. Now it is possible that the developer kne...
by livesoft
Fri Jul 07, 2017 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Is this the right way to measure investment performance
Replies: 9
Views: 526

Re: Is this the right way to measure investment performance

I use XIRR() function as implemented in MS Money. But I also have each and every transaction entered properly for the date range(s) that I am interested in. Based on what little you have written, I will guess that you didn't put in transactions for everything.
by livesoft
Fri Jul 07, 2017 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Helping an 18 year old start investing
Replies: 16
Views: 827

Re: Helping an 18 year old start investing

Whoops! Things just changed. :)
by livesoft
Fri Jul 07, 2017 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Helping an 18 year old start investing
Replies: 16
Views: 827

Re: Helping an 18 year old start investing

My kids started with a Target Retirement funds and have stuck with them in 401(k), etc.

As for 100% Total Stock Market, since a Target Retirement fund is 90% equities anyways, I don't see TSM as a better option.

OTOH, it is kinda hard not to just spend the money.
by livesoft
Fri Jul 07, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: SSA.gov calculator doesn't seem to make sense.
Replies: 18
Views: 868

Re: SSA.gov calculator doesn't seem to make sense.

I just was a bit blown away by the idea that between my wife and I we will have the potential of receiving $100,000 a year from social security even if it is in future dollars. Some current retirees can make about $70K for two per year from SS benefits, so $100K a year in the future doesn't seem ou...
by livesoft
Fri Jul 07, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Generic camera battery?
Replies: 20
Views: 1280

Re: Generic camera battery?

And the STK batteries I ordered arrived yesterday and were tested today. Both of them worked similarly at about 250 minutes under the conditions of my test, so they worked longer on a full charge than the old Canon batteries I have. They did have to be charged to full capacity before the tests thoug...
by livesoft
Fri Jul 07, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Why is it wrong to hold both? [Total Stock Market and 500 index]
Replies: 29
Views: 3207

Re: Why is it wrong to hold both?

We hold BOTH and the financial reason is that VFIAX is the single index fund available in my spouse's 401(k) plan. We prefer the Total Stock Market fund in our other accounts. And if we have to tax-loss harvest TSM in taxable, then we use Large-cap Index and/or S&P500 index depending on the spec...
by livesoft
Fri Jul 07, 2017 3:28 pm
Forum: Investing - Theory, News & General
Topic: Stocks and Bonds both declining.
Replies: 60
Views: 5130

Re: Stocks and Bonds both declining.

I'll just throw this out there: How many of you have sold bond funds at a loss in order to rebalance into equities that have lost as well? That is, have losses in bond funds prevented you from rebalancing as called for in your IPS? I think this is a rebalancing act that separates the behavorialists ...
by livesoft
Fri Jul 07, 2017 3:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage automatic reinvestment price
Replies: 11
Views: 883

Re: Vanguard brokerage automatic reinvestment price

My VSS reinvestment prices:

2017/06/27 107.83

2017/03/28 102.61

These were the opening prices on those days:

Image

Image

My conclusion: Nothing nefarious in these transactions.
by livesoft
Fri Jul 07, 2017 2:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage automatic reinvestment price
Replies: 11
Views: 883

Re: Vanguard brokerage automatic reinvestment price

I had just assumed that divedends were reinvested on the same day with the only difference being ETF's were intra day and MF's were at the NAV after the close. Are they actually re-invested on different days? Yes, the dividends are paid on different days and reinvested differently by different brok...
by livesoft
Fri Jul 07, 2017 2:45 pm
Forum: Investing - Theory, News & General
Topic: Recent absence of advantage for the "classic factors strategy"
Replies: 17
Views: 1310

Re: Recent absence of advantage for the "classic factors strategy"

My personal experience is that one cannot use PortfolioVisualizer or other tools and methods to test these strategies even though one might think it's the best one can do. My main beef with these is that none of them would do the rebalancing the way I would do it and most of them do rebalancing only...
by livesoft
Fri Jul 07, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage automatic reinvestment price
Replies: 11
Views: 883

Re: Vanguard brokerage automatic reinvestment price

There is at least one thread with reinvestment prices listed. I will try to find that thread. I do have Vanguard automatically reinvest VSS dividends in one of my accounts, but I don't pay attention to the prices. Otherwise, I've chosen to manually reinvest my ETF dividends because I can invest a da...
by livesoft
Fri Jul 07, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: What is this cable device?
Replies: 53
Views: 3108

Re: What is this cable device?

In general low voltage low current wiring is not considered to be dangerous. The low voltage is isolated via the power transformer, and is low current. All true, but mistakes are made sometimes. Clearly, electrical codes allow the use of these devices and the methods that are used to connect them up.

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