Search found 63827 matches

by livesoft
Thu Jan 17, 2019 9:46 pm
Forum: Personal Consumer Issues
Topic: How to clean DSLR camera lens?
Replies: 3
Views: 169

Re: How to clean DSLR camera lens?

Youtube.com to the rescue:
https://www.youtube.com/watch?v=aj5y0p1RdUY
There are hundreds of such videos.
by livesoft
Thu Jan 17, 2019 9:38 pm
Forum: Investing - Theory, News & General
Topic: Best Bond Fund for Tax-Sheltered Space; still 20 years from retirement
Replies: 3
Views: 210

Re: Best Bond Fund for Tax-Sheltered Space; still 20 years from retirement

Is the Total Bond Mkt Index (VBTLX) still the way to go? In this rising rate environment, what about moving it to a shorter-term fund such as Short-Term Index (VBIRX)? Then, once the Fed stops its rate hiking campaign, moving it back to VBTLX? Or would this be considered market timing? So what if i...
by livesoft
Thu Jan 17, 2019 9:30 pm
Forum: Investing - Theory, News & General
Topic: How are dividends reinvested in ETFs if you cannot purchase fractional shares?
Replies: 3
Views: 391

Re: How are dividends reinvested in ETFs if you cannot purchase fractional shares?

YOU cannot purchase fractional shares, but YOUR BROKER can purchase fractional shares for you when they reinvest your dividends. So it works without any thought or effort on your part just like with a mutual fund. OTOH, if you choose not to automatically reinvest dividends, then you can manually inv...
by livesoft
Thu Jan 17, 2019 8:46 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 32
Views: 1314

Re: My trend following strategy and experience

Thanks for posting. It is important to publicly describe one's strategy because it helps one to follow it to the letter. Essentially this is your IPS. You are bold to have this for 100% of your assets. Or maybe you have stash of an 80/20 fund like a LifeStrategy Growth hanging around somewhere. That...
by livesoft
Thu Jan 17, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 61
Views: 3652

Re: Should I buy a house in the Bay area or give up?

yosemite_mountain wrote:
Thu Jan 17, 2019 6:17 pm
Where did you find cheap rent? - my housing expenses keep increasing due to rising rents.
I lived on campus. However, my rent in 1990 was higher than my mortgage payments in 2000.
by livesoft
Thu Jan 17, 2019 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another wash sale question - buy/sale accross retirement and taxable accounts
Replies: 4
Views: 258

Re: Yet another wash sale question - buy/sale accross retirement and taxable accounts

I think it is pretty clear that FXAIX and FXAIX are substantially identical to each other. :)

But selling FXAIX in an IRA no matter whether a gain or loss will not trigger a wash sale. Read the IRS rules on a wash sale.
by livesoft
Thu Jan 17, 2019 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: New to the forum and looking for advice
Replies: 11
Views: 637

Re: New to the forum and looking for advice

do you recommend bonds for someone my age? if yes, what is the benefit of putting them in the 401 vs one of the IRA or brokerage accounts?: Yes, I recommend a few bond fund shares for someone your age. Let me ask you this: On December 24, 2018 were you wishing you had more money to put into equity ...
by livesoft
Thu Jan 17, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: How to Get Competitive Quotes on O&G Tax Prep Fees
Replies: 6
Views: 310

Re: How to Get Competitive Quotes on O&G Tax Prep Fees

Friends of mine have O&G assets. I suppose you may have some friends as well. Have you asked them for recommendations?
by livesoft
Thu Jan 17, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: Car Rental - Getting specific type of car
Replies: 15
Views: 760

Re: Car Rental - Getting specific type of car

Show up early. I've had friends get the 4x4 and still end up in the ditch needing a tow-out hours from the nearest tow truck.
by livesoft
Thu Jan 17, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Any admission pointers from pre- med/ med students?
Replies: 34
Views: 1917

Re: Any admission pointers from pre- med/ med students?

zhy0916 wrote:
Thu Jan 17, 2019 2:57 pm
Lol - I worked at law firm as a litigation paralegal and decided not to get a JD..
Nevertheless, I have been invited to give 8 lectures in a course at the local medical school. And I get paid for it, too! :)
by livesoft
Thu Jan 17, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: New dishwasher recommendations?
Replies: 14
Views: 766

Re: New dishwasher recommendations?

We have recent model Bosch. It is quiet, but not as quiet as the 20+-year-old Asko that it replaced. I think this is probably because it has a thin top silverware tray which jiggles when the water spray impacts it. Also, the force of the water spray really makes lightweight plasticware fly around in...
by livesoft
Thu Jan 17, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 61
Views: 3652

Re: Should I buy a house in the Bay area or give up?

We were not able to buy a house until we were in our late 30's and moved to a LCOL area. I don't see any rush for folks to go out and buy houses.
by livesoft
Thu Jan 17, 2019 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Lobbying to modify 401k plan to allow for after-tax contributions and in-service rollover to Roth
Replies: 9
Views: 571

Re: Lobbying to modify 401k plan to allow for after-tax contributions and in-service rollover to Roth

It would be pretty easy to have your bonus cut and distributed to all employees as a 401(k) contribution. This would get you over the HCE test because everyone would be contributing more to the 401(k) and not just you.
by livesoft
Thu Jan 17, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 61
Views: 3652

Re: Should I buy a house in the Bay area or give up?

Give up until you have another person's salary to help buy the house. That is, get married to someon who works or have working roommates so you can charge rent.
by livesoft
Thu Jan 17, 2019 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell some bonds in 401k and buy bonds in taxable?
Replies: 2
Views: 196

Re: Should I sell some bonds in 401k and buy bonds in taxable?

I wouldn't. I would just accept the risk and be 100% equities in my taxable account if I could hold all my bonds in tax-deferred accounts. However, if I filled tax-deferred accounts with 100% bonds and needed more bond funds, I would use taxable account with tax-exempt munis before I used a Roth.
by livesoft
Thu Jan 17, 2019 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Allocations in Brokerage vs. Retirement Accounts
Replies: 7
Views: 452

Re: Investment Allocations in Brokerage vs. Retirement Accounts

And I have some of the same funds in multiple accounts. I use my brain to avoid wash sales in my taxable account, but this is trivial for me to do since I am not adding to my taxable account as a retiree and I am spending the dividends to pay current living expenses. More specifically, every positio...
by livesoft
Thu Jan 17, 2019 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Lobbying to modify 401k plan to allow for after-tax contributions and in-service rollover to Roth
Replies: 9
Views: 571

Re: Lobbying to modify 401k plan to allow for after-tax contributions and in-service rollover to Roth

Does it cost the company more to offer these? I don’t think any other employees even max out the 19k pre-tax elective amount, so this request to modify the plan would probably only benefit me. I was on the 401(k) committee at a 300+ firm. Yes, it costs money, time, and effort to offer these. I had ...
by livesoft
Thu Jan 17, 2019 10:59 am
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 59
Views: 4611

Re: Who Will Speak for US?

While folks here may not like it, Fidelity has picked up many of the tenets expressed by Jack Bogle and also Bogleheads.org. Here is something out this week from Fidelity: https://www.fidelity.com/viewpoints/investing-ideas/six-habits-successful-investors The six habits are : Develop a long-term pla...
by livesoft
Thu Jan 17, 2019 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Investment Allocations in Brokerage vs. Retirement Accounts
Replies: 7
Views: 452

Re: Investment Allocations in Brokerage vs. Retirement Accounts

People do it different ways. I'll tell you how I do it. 1. I don't have the same asset allocation in each of our accounts. I do have an overall portfolio asset allocation that I maintain. I keep track of asset allocation by using free tools as shown in this thread: https://www.bogleheads.org/forum/v...
by livesoft
Thu Jan 17, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: [Wash sale concern - Are these stocks substantially identical?]
Replies: 34
Views: 1107

Re: [Wash sale concern - Are these stocks substantially identical?]

Thank you all very much for the replies! So, first I would say relax. 1. I wouldn't worry about funds held in the 401(k) myself. If the IRS comes knocking, then so what? 2. Only purchases will create wash sales. Since you control all purchases, I would not be concerned about wash sales myself. I th...
by livesoft
Thu Jan 17, 2019 10:09 am
Forum: Investing - Theory, News & General
Topic: Retirement savings new research
Replies: 23
Views: 4254

Re: Retirement savings new research

NotWhoYouThink wrote:
Thu Jan 17, 2019 9:51 am
Kind of buried the lede, didn't they?
Yes. It would have been so much simpler and shorter if they had simply stated: Work until you die.
by livesoft
Thu Jan 17, 2019 9:00 am
Forum: Investing - Theory, News & General
Topic: What is going on with my Vanguard account
Replies: 1
Views: 471

Re: What is going on with my Vanguard account

Lots of people have had this experience. It is well-known that Vanguard Portfolio Watch sucks and also that Vanguard doesn't maintain this piece of junk. Vanguard does index funds extremely well, but it does not do web sites well at all. Here is a thread from a few days ago: https://www.bogleheads.o...
by livesoft
Thu Jan 17, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: [Wash sale concern - Are these stocks substantially identical?]
Replies: 34
Views: 1107

Re: [Wash sale concern - Are these stocks substantially identical?]

Questions the OP: How many times have you considered selling shares of VTSAX in your taxable account? How many times have you actually sold shares of VTSAX in your taxable account? How many times have you actually sold shares of VTSAX at a loss in your taxable account? I have some follow-up question...
by livesoft
Thu Jan 17, 2019 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Roth contribution with the HEART act
Replies: 8
Views: 755

Re: Roth contribution with the HEART act

The OP may not be aware that US Treasuries held to maturity are just as safe (if not safer) than CDs and there are no limits like with FDIC insured products per bank. Vanguard offers Treasuries and CDs, too. And as far as inflation goes, there are Treasury Inflation-Protected Securities, too. I'm no...
by livesoft
Thu Jan 17, 2019 8:32 am
Forum: Investing - Help with Personal Investments
Topic: New to the forum and looking for advice
Replies: 11
Views: 637

Re: New to the forum and looking for advice

Your current portfolio seems to be well within an almost 100% stock portfolio, have you determined your current asset allocation yourself? It looks to me like you need to get a bond fund in there somewhere, presumably the 401(k). (I get that you want US/Int'l equity ratio to be 70/30.) In order to s...
by livesoft
Thu Jan 17, 2019 7:31 am
Forum: Personal Consumer Issues
Topic: Recommendations for home paper shredder
Replies: 57
Views: 4543

Re: Recommendations for home paper shredder

Two years later this necro thread is still going. I can provide an update to my previous contribution to this thread: I have the same shredder and it has now not been oiled for 5 years. Still shredding something almost every day, but it has been moved to a more prominent location closer to the kitch...
by livesoft
Thu Jan 17, 2019 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Best kids savings account
Replies: 14
Views: 1263

Re: Best kids savings account

If it is about teaching kids about money and banks, but not about making enough interest for one lunch a year, then just opening a joint account with a parent is fine. When our kids reached about 13 years of age or so, we opened a free checking & savings account at our bank for them. (Some of you mi...
by livesoft
Wed Jan 16, 2019 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Unusual Check from Fidelity
Replies: 8
Views: 756

Re: Unusual Check from Fidelity

FWIW, my daughter worked in high school as a paid summer intern for a company that used Fidelity for both payroll and the 401(k). The company automatically opted in all employees into the 401(k) plan. But she was not yet 18 and was not eligible for the company contribution. She never logged in onlin...
by livesoft
Wed Jan 16, 2019 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Unusual Check from Fidelity
Replies: 8
Views: 756

Re: Unusual Check from Fidelity

She should be aware of where the money originated from because the tax consequences will be different. If it is from a forcibly close 401(k), then she can rollover it over within 60 days. My spouse got such a check when her employer was sold. She forgot about it and almost didn't get it into a rollo...
by livesoft
Wed Jan 16, 2019 5:33 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 806
Views: 38562

Re: John Bogle is dead at 89

A sad day indeed. This man and his ideas have helped my family in uncountable ways since 1982.
by livesoft
Wed Jan 16, 2019 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: TIRA Roth Conversion and Backdoor Roth IRA in the same year possible?
Replies: 2
Views: 109

Re: TIRA Roth Conversion and Backdoor Roth IRA in the same year possible?

Yes. One doesn't pay tax on non-deductible contributions to a tIRA under any normal circumstances.

If you convert all your tIRA, then pro-rated comes out the way you expect: Tax on the tax-deferred bit and no tax on the non-deductible bit.
by livesoft
Wed Jan 16, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Have I Now Become Out of Touch Financially? Aging question...
Replies: 72
Views: 7291

Re: Have I Now Become Out of Touch Financially? Aging question...

I use a 2-liter bottle of Dr Pepper as my inflation index. This week they were 88 cents each, so no inflation for past 5 years.
by livesoft
Wed Jan 16, 2019 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation
Replies: 15
Views: 1199

Re: Bond Allocation

I don't necessarily disagree, but I do remember reading something from Jack Bogle discussing the topic, noting only including U.S. Treasury notes will significantly underestimate the future returns on the broad bond market (by about 1%). Doesn't seem that would be trivial to a portfolio. One can do...
by livesoft
Wed Jan 16, 2019 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: stuck forever in alternative funds after tax loss harvesting?
Replies: 12
Views: 620

Re: stuck forever in alternative funds after tax loss harvesting?

Back in 2009, I exchanged VTSAX into VLCAX and also IJS into VBR. I'm stuck in VLCAX and VBR which is just fine with me. I did nothing with that VLCAX and VBR. I have not added to them and I have not reinvested dividends. I collect the dividends and spend them or invest them elsewhere. It does not b...
by livesoft
Wed Jan 16, 2019 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: transferring ETFs and cost basis info not showing up
Replies: 3
Views: 200

Re: transferring ETFs and cost basis info not showing up

It should show up, but you should already have the cost basis information in your possession so that you don't need the old institution to give it to you. That is, keep your annual statements where you can find them easily in your home or cell phone.
by livesoft
Wed Jan 16, 2019 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Four in One Fund for a Starter
Replies: 7
Views: 501

Re: Fidelity Four in One Fund for a Starter

My daughter has her Roth IRA 100% invested in FFNOX. But at first she would not able to meet the initial minimum investment, so she started with an ETF.
by livesoft
Wed Jan 16, 2019 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Money Market Options
Replies: 15
Views: 1046

Re: TD Ameritrade Money Market Options

NPLXX may not exist anymore. :)
by livesoft
Wed Jan 16, 2019 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Money Market Options
Replies: 15
Views: 1046

Re: TD Ameritrade Money Market Options

I suppose we could do this research for you. First, I would just find on the web ALL the MM funds paying over 2%. There must be a list somewhere. Then I would eliminate some that would not be NTF at TDAmeritrade such as all the Vanguard ones, the Fidelity ones, .... Then I would just start at the to...
by livesoft
Wed Jan 16, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: Any admission pointers from pre- med/ med students?
Replies: 34
Views: 1917

Re: Any admission pointers from pre- med/ med students?

I worked in a hospital (not a volunteer, got paid) as a nursing aide. I got to give enemas, shave patients for urological surgery, feed them, change bed sheets, clean up the fresh dead, and lots of other things. So I recommend getting a job now in the health care field. I decided not to apply to med...
by livesoft
Wed Jan 16, 2019 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Please recommend some funds that can serve as partners/substitues for Vanguard Total Bond Fund (VTABX) for TLH.
Replies: 8
Views: 585

Re: Please recommend some funds that can serve as partners/substitues for Vanguard Total Bond Fund (VTABX) for TLH.

^Right, I think cash would be OK for the month or any short-term bond fund. Any short-term gains realized from selling would be taxed the same as interest on a savings account. I don't think anyone would complain about a savings account that was paying 5% nowadays if they could be so lucky.
by livesoft
Wed Jan 16, 2019 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Error in Bogleheads Guide to Retirement Planning, 2009 edition?
Replies: 14
Views: 998

Re: Error in Bogleheads Guide to Retirement Planning, 2009 edition?

This reminds of a graphical user interface that I helped developed. If we got a question from a user, then we worked on making the GUI clearer. If we got a similar question from two different users, we then changed the software much more quickly to address it. We didn't care if we thought the origin...
by livesoft
Wed Jan 16, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 84
Views: 3167

Re: Any good reason to get a smartwatch?

Nowizard wrote:
Tue Jan 15, 2019 3:03 pm
Daftinvestor: Just a question. You text people in the same house rather than talking?
Tim
I text my over-the-ears-headphone-wearing son in his upstairs back bedroom rather than talking because otherwise I would be wasting my breath.
by livesoft
Wed Jan 16, 2019 11:50 am
Forum: Investing - Help with Personal Investments
Topic: VOO OR VTSAX FOR BROKERAGE ACCOUNT
Replies: 13
Views: 345

Re: VOO OR VTSAX FOR BROKERAGE ACCOUNT

bei22000 wrote:
Wed Jan 16, 2019 11:48 am
Thank you guys for all your input. I will use the total stock market fund. By the way, the main reason they use VOO is that VTSAX has the minimum req. to start with -I think.
Ask them then why they don't use VTI please.
by livesoft
Wed Jan 16, 2019 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Ever encountered a toxic advisor? How did you handle it?
Replies: 25
Views: 2897

Re: Ever encountered a toxic advisor? How did you handle it?

I am blessed that I haven't run into toxic people personally, but if I did then I would be unafraid to ask them what's going on in their life. I enjoy figuring out what makes people tick and they are almost universally happy to tell me.
by livesoft
Wed Jan 16, 2019 11:39 am
Forum: Investing - Help with Personal Investments
Topic: VOO OR VTSAX FOR BROKERAGE ACCOUNT
Replies: 13
Views: 345

Re: VOO OR VTSAX FOR BROKERAGE ACCOUNT

You should use VTSAX.

Generally, one's co-workers is not the best place to get investment advice.
by livesoft
Wed Jan 16, 2019 11:38 am
Forum: Investing - Help with Personal Investments
Topic: RMD & dividends
Replies: 7
Views: 506

Re: RMD & dividends

my name wrote:
Wed Jan 16, 2019 11:33 am
Am I missing anything?
You might die before you take your RMD, so make sure your beneficiaries know what to do.
by livesoft
Wed Jan 16, 2019 11:29 am
Forum: Investing - Help with Personal Investments
Topic: tax exempt bond funds/etfs in Fidelity ?
Replies: 3
Views: 241

Re: tax exempt bond funds/etfs in Fidelity ?

JD13 wrote:
Wed Jan 16, 2019 10:52 am
Does fidelity has similar funds/etfs which I can use to fill up rest of my bond portfolio in my taxable account.
All ETFs are available at any brokerage, so I am sure the answer is yes without looking.
by livesoft
Wed Jan 16, 2019 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation
Replies: 15
Views: 1199

Re: Bond Allocation

It appears that the only place to put such long-term corporate bond fund would be the 401(k) which I am going to guess belongs to your spouse. I would not do it myself. Your portfolio's 20% allocation to bonds means that whatever bonds do is not going to change the portfolio performance very much at...
by livesoft
Wed Jan 16, 2019 10:09 am
Forum: Investing - Help with Personal Investments
Topic: RMD & dividends
Replies: 7
Views: 506

Re: RMD & dividends

For relatively tax-inefficient actively-managed funds that pay distributions in December, I would not want to buy the dividend in a taxable account. For relatively tax-efficient index mutual funds that pay a quarterly dividend in December, if one buys the dividend, then the tax consequences are rela...