Search found 63942 matches

by livesoft
Tue Jan 22, 2019 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.
Replies: 71
Views: 4414

Re: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.

True story: My spouse's grandmother lived alone in a house for decades that she didn't own. Immediate heirs thought they were going to get the house. Didn't happen.
by livesoft
Tue Jan 22, 2019 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Rethinking the bond percentage.
Replies: 16
Views: 481

Re: Rethinking the bond percentage.

Let year I rebalanced from 100% stock to 50% stock and 50% bond thinking it is the proper thing to do. [...] Anyone in the 50+ age group and felt by having 50% or more in bonds just didn't feel comfortable and you were leaving potential money behind and opted to rebalance more toward stocks? That's...
by livesoft
Tue Jan 22, 2019 6:17 pm
Forum: Investing - Theory, News & General
Topic: Your Retirement W/D method and why?
Replies: 17
Views: 1093

Re: Your Retirement W/D method and why?

I've read most all the studies and they seem to concentrated mostly on how much one can spend without running out of money, so to me that's for the folks who are living at the margins of their assets. I don't live at the margin of my assets, so it really doesn't matter what kind of withdrawal method...
by livesoft
Tue Jan 22, 2019 4:42 pm
Forum: Personal Consumer Issues
Topic: Do you carry gas cans, mowers, string trimmers, etc in your car or SUV?
Replies: 13
Views: 446

Re: Do you carry gas cans, mowers, string trimmers, etc in your car or SUV?

I only buy gas once in a while for the mower. It goes in a red plastic gas can which I place in a 5-gallon plastic bucket which goes in the back of my SUV. The gas station is pretty close to my house, so I don't have the empty can nor the full can in the car for more than few minutes. That is, I don...
by livesoft
Tue Jan 22, 2019 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Verifying Vanguard 1099-DIV
Replies: 2
Views: 223

Re: Verifying Vanguard 1099-DIV

For one thing, you did not get paid the foreign taxes that were taken out of your dividends before they reached your account.

This used to be explained in the memo that came with mailed 1099-DIVs, but perhaps you didn't get the memo if you only looked online or you didn't read it.
by livesoft
Tue Jan 22, 2019 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestion Box for Vanguard's Website
Replies: 4
Views: 224

Re: Suggestion Box for Vanguard's Website

"Vanguard offers an RMD calculator for retirees but none for users younger than 70 who have inherited IRAs."
Uh-oh, then what has my spouse been using all these years?
by livesoft
Tue Jan 22, 2019 10:10 am
Forum: Investing - Help with Personal Investments
Topic: How to reach and help novices not reading these boards?
Replies: 5
Views: 353

Re: How to reach and help novices not reading these boards?

Become a famous singer:
I want to be a billionaire (NSFW) Bruno Mars Just change this to "I want to be a Boglehead so-o-o freaking bad. Buy all the funds I never had ...."
or
Ariana Grande's "7 Rings" has "Make Deposits"
https://www.youtube.com/watch?v=QYh6mYIJG2Y
by livesoft
Mon Jan 21, 2019 9:50 pm
Forum: Investing - Theory, News & General
Topic: REITS
Replies: 4
Views: 910

Re: REITS

REIT index funds are sometimes a good investment, but other times they are not a good investment.

VNQ is a REIT index ETF. It has an average daily volume of about 8 million shares a day which I find amazing. It is a day trader's dream.
by livesoft
Mon Jan 21, 2019 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: TLH Turbo Tax Tutorial
Replies: 3
Views: 281

Re: TLH Turbo Tax Tutorial

I haven't used TT in years, but isn't it simply:

1. See a 1099-B is available at your broker's web site for you.

2. Import 1099-B into TurboTax.

??
by livesoft
Mon Jan 21, 2019 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 110
Views: 13218

Re: What's your cash position

I have some bills due next week, so we have a pretty high cash allocation for us right now at about 0.3% of the portfolio which includes checking account.
by livesoft
Mon Jan 21, 2019 7:33 pm
Forum: Investing - Theory, News & General
Topic: Combination of "Safety First" and "Probability Based" withdrawal strategies
Replies: 9
Views: 716

Re: Combination of "Safety First" and "Probability Based" withdrawal strategies

victw wrote:
Mon Jan 21, 2019 6:52 pm
I'm with Livesoft on this one. Too low in equities.
I'm pretty sure I didn't express any opinions in this thread, but maybe your wording caught me off guard.
by livesoft
Mon Jan 21, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: Best $300 to $500 Telescope
Replies: 13
Views: 877

Re: Best $300 to $500 Telescope

A little camera on a tripod w/ wide angle lens that can take time-lapse movies might be more interesting because of learning how to set it up and seeing the movements of aircraft and meteors. For instance a Canon G5X can do this and I suspect most Canon cameras now have a "star movie" mode. Here is ...
by livesoft
Mon Jan 21, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Can I contest a medical bill with doctor's office if insurance says it's not covered?
Replies: 29
Views: 2128

Re: Can I contest a medical bill with doctor's office if insurance says it's not covered?

Of course you can contest any bill that you get. That does not mean you will get what you want, but it doesn't hurt to try.
by livesoft
Mon Jan 21, 2019 4:49 pm
Forum: Investing - Theory, News & General
Topic: Combination of "Safety First" and "Probability Based" withdrawal strategies
Replies: 9
Views: 716

Re: Combination of "Safety First" and "Probability Based" withdrawal strategies

$1.5 M in bonds +
0.4 * 1.5M in bonds = $2.1 M in bonds or 70% in bonds

So asset allocation is really 30% stocks and 70% bonds.
by livesoft
Mon Jan 21, 2019 10:40 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1789722

Re: U.S. stocks in free fall

How often does you IP allow you to re-balance? My IPS allows me to rebalance whenever: 1. There is an RBD. 2. Whenever I hit a rebalancing trigger point. I do not rebalance based on a calendar. Think about the following please: 1. The best day of the year to buy equities is at the lowest point of t...
by livesoft
Mon Jan 21, 2019 10:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1789722

Re: U.S. stocks in free fall

With the market looking much better who here is thinking of getting back into the market? The crash in December was brutal. Scared many (including me). 1. I was never out of the market. 2. I rebalanced INTO equities in December. 3. Things are up so much, I hit a rebalancing band and have started to...
by livesoft
Mon Jan 21, 2019 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Retire in 2 years. Advice for plan for withdrawals, Roth conversions & SS
Replies: 43
Views: 3760

Re: Retire in 2 years. Advice for plan for withdrawals, Roth conversions & SS

reddison wrote:
Mon Jan 21, 2019 10:26 am
Can you explain the advantages/disadvantages of having funds on reinvest vs. having dividends going to a money market fund? Thx
All questions are answered in the bogleheads.org wiki:
https://www.bogleheads.org/wiki/Reinves ... le_account
by livesoft
Mon Jan 21, 2019 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Afoot or on horseback?
Replies: 22
Views: 1507

Re: Afoot or on horseback?

I see a lot of red flags: 1. Advisor A. 2. Advisor F. 3. Lots of high fee funds. You didn't list the expense ratios of the funds you already have. 4. No info about your taxes. I think you should probably not be paying any income taxes, but I cannot tell for sure. It looks your advisors are in a jeep...
by livesoft
Mon Jan 21, 2019 9:43 am
Forum: Investing - Help with Personal Investments
Topic: VFIFX and VTI/VOO
Replies: 5
Views: 332

Re: VFIFX and VTI/VOO

I see what you are seeing about the dividends. but according to this, VFIAX paid out more than VFIFX? won't that mean more taxes to be paid? Two things: 1. I cannot tell from your figures what the percentage amount is because those are dollar amounts. Are they per share? Or what your funds paid you...
by livesoft
Mon Jan 21, 2019 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Best way to make early withdrawals from 401(k)
Replies: 5
Views: 414

Re: Best way to make early withdrawals from 401(k)

I have read that many 401(k)s do not allow partial withdrawals, but that should not be a problem if you rollover your 401(k) to an IRA. IRAs do allow any kind of withdrawal as long as you report it on your tax return and pay any possible penalty and taxes. Once out of the country though, other issue...
by livesoft
Mon Jan 21, 2019 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Setting a personal AA glide path
Replies: 14
Views: 1072

Re: Setting a personal AA glide path

I sort of adjusted as I went. At age 40, I didn't know the world stock markets were going to dump in 2000. At age 49, I didn't know that I was going to decide to work half-time at age 50. At age 55, I didn't know I was going to be fully retired in a couple of years. I don't know what's going on for ...
by livesoft
Mon Jan 21, 2019 7:12 am
Forum: Investing - Help with Personal Investments
Topic: Tax-loss harvesting while contributing to same funds regularly (weekly), and preventing the wash sale
Replies: 15
Views: 1109

Re: Tax-loss harvesting while contributing to same funds regularly (weekly), and preventing the wash sale

Another thing you can do is not avoid a wash sale for the shares purchased in the past 30 days if they have a short-term gain. I don't know why people are so hung up by wanting to avoid a wash sale in situations where the consequences are small. Example: You are investing automatically and weekly. Y...
by livesoft
Mon Jan 21, 2019 6:53 am
Forum: Investing - Help with Personal Investments
Topic: significance of spread in Vanguard Health VHT vs XLV
Replies: 3
Views: 282

Re: significance of spread in Vanguard Health VHT vs XLV

Please check the bid/ask spread again when US stock markets are open. When the markets are closed, there are no orders available and essentially only stub quotes are shown. They have to put a number there, so they put outrageous numbers there.
by livesoft
Sun Jan 20, 2019 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: No 529. son in high school
Replies: 19
Views: 1935

Re: No 529. son in high school

^ No Federal taxes on gains in a 529 plan if a qualified distribution (pay for education).
by livesoft
Sun Jan 20, 2019 9:30 pm
Forum: Personal Consumer Issues
Topic: Is it wise to move from NewYorkCity to Sunnyvale CA, Lifestyle choice to be more outdoorsy - warm weather
Replies: 50
Views: 3607

Re: Is it wise to move from NewYork to Sunnyvale CA, Lifestyle choice to be more outdoorsy - warm weather

Winter sports are nearby Sunnyvale anyways.

New York could mean Rochester or NYC or Binghamton or Orient Point or ....
by livesoft
Sun Jan 20, 2019 8:15 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1789722

Re: U.S. stocks in free fall

^I'm retired, so the concept of emergency fund does not apply as has been discussed many times on the forum, but hey give me a situation where I need 6 months of expenses all in cash on a Tuesday afternoon and I'll write a novel about it. Thanks!
by livesoft
Sun Jan 20, 2019 8:09 pm
Forum: Personal Consumer Issues
Topic: Where to buy CR2032 batteries?
Replies: 43
Views: 3024

Re: Where to buy CR2032 batteries?

I haven't had any problems with the 4-packs from Amazon or local drugstores. If you buy them as singles, then you are going to get killed on price. I use up about 1.5 of these batteries per year though.
by livesoft
Sun Jan 20, 2019 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: So, I want to Retire - Help ?
Replies: 15
Views: 3211

Re: So, I want to Retire - Help ?

Does your spouse want to work going forward? That will make a big difference, won't it?
by livesoft
Sun Jan 20, 2019 6:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1789722

Re: U.S. stocks in free fall

CWRadio wrote:
Sun Jan 20, 2019 5:58 pm
Is there a current book about High Speed Trading? Thanks Paul
Not current, but I found Scott Patterson's books very informative.
by livesoft
Sun Jan 20, 2019 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Stay the course is hard
Replies: 75
Views: 7282

Re: Stay the course is hard

Here is what my warped and twisted mind was thinking about "might as well use a savings account" ->
Image
by livesoft
Sun Jan 20, 2019 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Retired - One paycheck in 2019 - Roth IRA?
Replies: 16
Views: 1052

Re: Retired - One paycheck in 2019 - Roth IRA?

Sorry I screwed up. But I was thinking that with such low income, you would not be paying taxes on a Roth nor a Roth conversion and that led me astray.
by livesoft
Sun Jan 20, 2019 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Retired - One paycheck in 2019 - Roth IRA?
Replies: 16
Views: 1052

Re: Retired - One paycheck in 2019 - Roth IRA?

I think for you tax-wise a Roth contribution and a Roth conversion are pretty much the same thing, right?
by livesoft
Sun Jan 20, 2019 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-loss harvesting while contributing to same funds regularly (weekly), and preventing the wash sale
Replies: 15
Views: 1109

Re: Tax-loss harvesting while contributing to same funds regularly (weekly), and preventing the wash sale

Since US equities and foreign equities are correlated but not substantially identical, the OP could TLH US equities and put the money in their foreign equities. Then when that's taken care of, they could TLH foreign equities and put the money back into US equities. Unfortunately, if they did that th...
by livesoft
Sun Jan 20, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 117
Views: 6211

Re: Grocery shopping strategy

I never buy the following items:
Bread
Chips of any kinds, Pretzels, Wheat Thicks, or any bread in a box or bag.
Cookies
Ice Cream
Cereals

If you don't buy any of the above, you can save some money.
by livesoft
Sun Jan 20, 2019 4:19 pm
Forum: Personal Consumer Issues
Topic: Getting rid of Silverfish?
Replies: 15
Views: 1649

Re: Getting rid of Silverfish?

You wrote "They are coming out everyday." What does that mean? Coming out of where? Cracks along baseboards? Light fixtures? Wall outlets? Gaps where pipes come out of walls? That's where you would put treatments.
by livesoft
Sun Jan 20, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: Getting rid of Silverfish?
Replies: 15
Views: 1649

Re: Getting rid of Silverfish?

Silver fish are killed with boric acid powder along the edges of rooms against the wall and in any cracks. Diatomaceous earth is also effective. If you want them instantly gone, then it won't happen. It took months to start seeing them and it will take months to have them all gone. Even with a profe...
by livesoft
Sun Jan 20, 2019 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-loss harvesting while contributing to same funds regularly (weekly), and preventing the wash sale
Replies: 15
Views: 1109

Re: Tax-loss harvesting while contributing to same funds regularly (weekly), and preventing the wash sale

That's why you sell all lots purchased in the last 30 days. Indeed, yes. The entire thread I linked seems to be the OP's situation. I showed how to get around everything in that thread. I can spell it out: Sell the shares bought in the previous 30 days. Don't buy substantially identical shares in t...
by livesoft
Sun Jan 20, 2019 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Stay the course is hard
Replies: 75
Views: 7282

Re: Stay the course is hard

^I didn't say anything about rebalancing frequently. You put "frequently" in there.
by livesoft
Sun Jan 20, 2019 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-loss harvesting while contributing to same funds regularly (weekly), and preventing the wash sale
Replies: 15
Views: 1109

Re: Tax-loss harvesting while contributing to same funds regularly (weekly), and preventing the wash sale

If you are using Vanguard.com, simply click on the check box to avoid the weekly contributions after you sell. Also be sure to sell the shares bought in the previous 30 days, too. This is shown in this post: https://www.bogleheads.org/forum/viewtopic.php?p=2734589#p2734589 It is surprisingly dirt si...
by livesoft
Sun Jan 20, 2019 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Parting ways with financial advisor--is this allocation right for now?
Replies: 13
Views: 926

Re: Parting ways with financial advisor--is this allocation right for now?

I suspect someone will plug all your ticker symbols into an asset allocation tool and tell you what you have. But it would be best if you did this yourself. Probably Schwab has one on its web site, but if not Morningstar.com used to have a free Instant X-ray tool which may still be available. Other ...
by livesoft
Sun Jan 20, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: My daughter's inheritance.
Replies: 75
Views: 9904

Re: Follow-up to: My daughter's inheritance

I think the stock market is always unpredictable. One can invest today at last year's prices, so it might be a bargain to invest all at once, but no one can predict the future. For those looking at the proposed investments (including yourself), they have to understand that the breakdown between US l...
by livesoft
Sun Jan 20, 2019 1:17 pm
Forum: Investing - Theory, News & General
Topic: The NY Times calls us a cult but in a good way
Replies: 62
Views: 7036

Re: The NY Times calls us a cult but in a good way

There are many instances of the phrase "Saint Jack" used on this forum. That has always made me cringe.

But it's time now to get back to oatmeal and RBDs. :)
by livesoft
Sun Jan 20, 2019 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Dividend Reinvestment Program?
Replies: 19
Views: 1924

Re: Vanguard's Dividend Reinvestment Program?

Please correct me if I’m wrong about the wash sale implications. My belief is that in general wash sales are over-hyped on this forum. They are not illegal and are easily accounted for on one's tax return. Understand the wash sale rule, but do not fear it. Many people read a tidbit and fear it, but...
by livesoft
Sun Jan 20, 2019 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Stay the course is hard
Replies: 75
Views: 7282

Re: Stay the course is hard

There is no guarantee that what is outperforming won't go higher and what is underperforming won't go lower. Then we are all screwed. We rely on the premise that equities will outperform bonds. If one doesn't believe for all intents and purposes that stocks will outperform bonds is guaranteed, then...
by livesoft
Sun Jan 20, 2019 9:58 am
Forum: Investing - Help with Personal Investments
Topic: No 529. son in high school
Replies: 19
Views: 1935

Re: No 529. son in high school

Please read and understand IRS Publication 970 which is about tax benefits for students who go to college. We make use of 4 of the major things in that publication for tens of thousands of dollars to our benefit.
by livesoft
Sun Jan 20, 2019 9:53 am
Forum: Investing - Theory, News & General
Topic: Why is index investing better than other quantitative strategies?
Replies: 38
Views: 3530

Re: Why is index investing better than other quantitative strategies?

..., index investing does not, in fact, rely on backtesting, because it doesn't have to: it is by definition guaranteed to produce market returns. I believe index fund investors still are affected by behavioral finance traps, taxes, and commission & fees. They may not get market returns because of ...
by livesoft
Sun Jan 20, 2019 9:36 am
Forum: Investing - Theory, News & General
Topic: Why is index investing better than other quantitative strategies?
Replies: 38
Views: 3530

Re: Why is index investing better than other quantitative strategies?

I think the the OP should implement a strategy for a while and report back. Whether they choose the 200-moving day strategy or something else, then I don't think it would matter, but they have to report transactions in near real-time and endure the comments from the rest of us. Furthermore, I was al...
by livesoft
Sun Jan 20, 2019 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Stay the course is hard
Replies: 75
Views: 7282

Re: Stay the course is hard

I have alerts sent to me when my portfolio is down big-time in a single day. Here is an example: TD Ameritrade - Securities Alert Delivered by Markit On Demand Mon Dec 24 2018 [...] Moves -2.50% since its previous close ============================================================ Vanguard Small-Cap ...