Search found 60117 matches

by livesoft
Fri May 25, 2018 7:42 am
Forum: Investing - Help with Personal Investments
Topic: Should I open a traditional IRA for bond allocation?
Replies: 10
Views: 312

Re: Should I open a traditional IRA for bond allocation?

You didn't tell us what tax rate you pay on your Roth IRA contributions. If you are in the 0% tax bracket, then put bonds (and equities) in your taxable account and equities in your Roth IRA and don't worry about a traditional IRA for now.
by livesoft
Fri May 25, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: When did this start??
Replies: 28
Views: 1375

Re: When did this start??

Looks like something Richard Thaler and Cass Sunstein would have suggested. That is, a nudge.
by livesoft
Fri May 25, 2018 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Expenses now are 50k a year...can I plan that for retirement?
Replies: 12
Views: 719

Re: Expenses now are 50k a year...can I plan that for retirement?

First, it doesn't matter what you plan in detail since the details will change as time passes. Second, yes, you can plan to spend only $50K a year in retirement. Third, you can always change your plan. Fourth, I cannot tell how much health insurance will be for you from this side of the internet. Th...
by livesoft
Thu May 24, 2018 10:24 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 175
Views: 12055

Re: Buy on Really Bad Days, Sell on Really Good Days?

No, RBDs are not my only rebalancing rules. Yes, I rebalance on days and situations other than RBDs. are RBDs your key/main rebalancing rules? Perhaps my main rule is to use any new money (dividends, contributions) towards bringing the portfolio towards the balance point. RBDs should be few and far...
by livesoft
Thu May 24, 2018 10:12 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 175
Views: 12055

Re: Buy on Really Bad Days, Sell on Really Good Days?

No, RBDs are not my only rebalancing rules.

Yes, I rebalance on days and situations other than RBDs.
by livesoft
Thu May 24, 2018 9:46 pm
Forum: Investing - Theory, News & General
Topic: Is this a mistake or typo or something else by Fidelity?
Replies: 6
Views: 939

Re: Is this a mistake or typo or something else by Fidelity?

The date on this says May 9, so it might have already been around a couple of weeks with no correction.
by livesoft
Thu May 24, 2018 9:28 pm
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 97
Views: 8508

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

Thanks, that -0.23% is Year through 4/30/2018. The first couple of weeks in May were nice.
by livesoft
Thu May 24, 2018 9:20 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 45
Views: 2948

Re: US T bills - first time user

fortfun wrote:
Thu May 24, 2018 9:11 pm
Thanks Livesoft. Why did they return 8% back in the day that Your Money or Your Life was written? What happened to them?
The rate of inflation was crushed since then.
by livesoft
Thu May 24, 2018 9:19 pm
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 45
Views: 2948

Re: US T bills - first time user

fortfun wrote:
Thu May 24, 2018 9:12 pm
At 1.92% why bother? Online banks are beating that now.
One reason to bother is that there is no need for FDIC insurance with T-bills, so one could have several million dollars in T-bills and not worry about risk of a bank failure.
by livesoft
Thu May 24, 2018 9:15 pm
Forum: Investing - Theory, News & General
Topic: Is this a mistake or typo or something else by Fidelity?
Replies: 6
Views: 939

Is this a mistake or typo or something else by Fidelity?

I didn't think my spouse read any of the drivel sent to us from Fidelity, but a glaring mistake has her ranting to me now. The Fidelity weekly blurb is about Social Security myths. https://www.fidelity.com/viewpoints/retirement/social-security-myths https://i.imgur.com/dontgit.png (highlighting is m...
by livesoft
Thu May 24, 2018 8:57 pm
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 97
Views: 8508

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX up 3%

When this thread was started with its fake title, VTSAX was up 3% YTD and not down 0.23%. May I ask where "down 0.23%" came from please?
by livesoft
Thu May 24, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: Does the book thread include biographies
Replies: 2
Views: 161

Re: Does the book thread include biographies

viewtopic.php?t=220264

came from a search with the term "biography site:bogleheads.org"

There are other results to consult, too.
by livesoft
Thu May 24, 2018 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Small & Community Bank ETF's
Replies: 6
Views: 301

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/2018/05/22/613390275/congress-to-undo-part-of-dodd-frank-easing-rules-for-mid-sized-smaller-banks I thought ...
by livesoft
Thu May 24, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Small & Community Bank ETF's
Replies: 6
Views: 301

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: 93
Views: 9368

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: 27
Views: 1995

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: 4
Views: 552

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: 10
Views: 683

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: 45
Views: 2948

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: 45
Views: 2948

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: 14
Views: 693

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: 27
Views: 1995

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: 7
Views: 347

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: 10
Views: 529

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: 45
Views: 2948

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: 20
Views: 868

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: 20
Views: 868

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: 451

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: 470

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: 20
Views: 868

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: 1249

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: 377

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: 874

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: 616

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: 4226

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: 4226

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: 1843

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: 1842

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: 1284

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: 8
Views: 836

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: 1842

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: 6812

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: 9820

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: 1839

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: 1266

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: 1266

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: 1839

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: 1839

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: 1608

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.