Search found 54789 matches

by livesoft
Thu Jun 29, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 86
Views: 3283

Re: Negotiating a House Using Seller's Agent (opinions wanted)

And choose an appraiser who will come in low in order to give you negotiating leverage.
by livesoft
Thu Jun 29, 2017 8:54 am
Forum: Investing - Theory, News & General
Topic: Bad year for Wellington?
Replies: 5
Views: 861

Re: Bad year for Wellington?

Wellington did 2% better in 2016 than another 60/40 fund Vanguard Balanced Index and 4% better than LifeStrategy Moderate Growth, so I would just consider 2017 so far to be reversion to the mean
by livesoft
Thu Jun 29, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Can we retire early?
Replies: 18
Views: 3451

Re: Can we retire early?

Both federal AND state? Yes, I am personally in a similar situation to the OP's scenario. My spouse still works and makes decent money, but less than 6 figures. Our income taxes are below $4,000 a year despite gross income above 6-figures and adjusted gross income above 6-figures. As for the OP's a...
by livesoft
Thu Jun 29, 2017 8:34 am
Forum: Investing - Theory, News & General
Topic: Taxable lots
Replies: 5
Views: 212

Re: Taxable lots

I hold vanguard short term tax exempt in my taxable account. These are all covered shares. They put off frequent dividends. Is there a problem with having many lots or is it better to wait until you have a larger chunk to purchase? I would assume with my account set to specific id and vanguard trac...
by livesoft
Thu Jun 29, 2017 6:17 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 86
Views: 3283

Re: Negotiating a House Using Seller's Agent (opinions wanted)

Add a bank appraisal / loan contingency to your offer.
by livesoft
Thu Jun 29, 2017 5:03 am
Forum: Personal Consumer Issues
Topic: Debating a weekend in Chicago (south side)
Replies: 46
Views: 2942

Re: Debating a weekend in Chicago (south side)

I was just in Chicago, too. Two highlights:

1. Rolling Stones Exhibitionism at the Navy Pier. Lots and lots of guitars, clothes, history, sets, artifacts, you name it.

2. City Mini Golf in Maggie Daley Park. I had 3 hole-in-ones the first time I played this course.
by livesoft
Wed Jun 28, 2017 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 86
Views: 3283

Re: Negotiating a House Using Seller's Agent (opinions wanted)

I'd offer $362K again. Just because they counteroffer lower does not mean that a negotiation splits the difference.
by livesoft
Wed Jun 28, 2017 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: ROH
Replies: 6
Views: 430

Re: ROH

That is attainable. You can look up toe performance of the TR 2040 fund over many time periods at morningstar.com
by livesoft
Wed Jun 28, 2017 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Can we retire early?
Replies: 18
Views: 3451

Re: Can we retire early?

You are not supporting a $110k/year retirement on a $2.7M portfolio. I'm not going through your entire taxable situation, but it's not a stretch for you to need 15-20k of money to cover taxes, given you likely live in a HCOL area. I disagree. One can calculate the taxes easily and see the taxes wou...
by livesoft
Wed Jun 28, 2017 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Am I dumb to be holding foreign small in 401k?
Replies: 6
Views: 348

Re: Am I dumb to be holding foreign small in 401k?

I own VSS in my solo 401(k), but also own VFSVX in two separate Roth IRAs as 100% of those Roths.

I don't think its dumb to own this fund, but try to keep it out of a taxable account.

PS: I also have a solo Roth 401(k).
by livesoft
Wed Jun 28, 2017 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: ROH
Replies: 6
Views: 430

Re: ROI

There are many target retirement funds with a wide range of stock:bond asset allocations.

Since my portfolio is about 60/40, I use Target Retirement 2020 and LifeStrategy Moderate Growth as benchmarks to compare to.

Did you mean ROI?
by livesoft
Wed Jun 28, 2017 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Cost basis at new Schwab account for reinvesting dividends
Replies: 11
Views: 401

Re: Cost basis at new Schwab account for reinvesting dividends

I think the default method might be FIFO (first in, first out). This is certainly what the IRS says the default method is if the client does nothing. Even so FIFO is a subset of Specific Identification in that if you don't specify, then the broker will specifically identify the first shares bought ...
by livesoft
Wed Jun 28, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Cost basis at new Schwab account for reinvesting dividends
Replies: 11
Views: 401

Re: Cost basis at new Schwab account for reinvesting dividends

ETF and stocks cannot use Average Cost Basis. Only mutual funds can use Average Cost Basis. As already mentioned all those other choices are variants of Specific Identification. It doesn't matter what the "default" basis is because one has a chance to specify which shares were sold at any ...
by livesoft
Wed Jun 28, 2017 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: DCA to fund or to sweep and then invest on low days
Replies: 32
Views: 1031

Re: DCA to fund or to sweep and then invest on low days

I'd periodically invest whenever you have the money. Then if there is a low day before your next scheduled periodic investment, invest some money from your emergency fund. :twisted: Then replenish your emergency fund as needed.

Rinse and repeat and let us know how it goes.
by livesoft
Wed Jun 28, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Traveling with 5 and 2 Year Old from Atlanta to Orlando - Is It Worth Flying?
Replies: 46
Views: 1365

Re: Traveling with 5 and 2 Year Old from Atlanta to Orlando - Is It Worth Flying?

I would drive. If you leave at 4 am, the drive will be easy. Of course, you have to pack the night before. It is not worth flying. Besides, to get to the airport you have to put everything in the van, get it out of the van, get it into the airport, wait for the flight, etc. It might take you 7 hours...
by livesoft
Wed Jun 28, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: How many "accounts" do you maintain at your investment firm?
Replies: 31
Views: 1324

Re: How many "accounts" do you maintain at your investment firm?

I am married with children, so we have joint, his, and her accounts. So here are accounts: Joint tIRA, tIRA Roth IRA, Roth IRA inherited IRA, inherited IRA 403(b), 403(b) 401(k), 401(k) 529, 529 UTMA, UTMA HSA so that's 16 required accounts. Once one is past about 5 accounts, then it gets to be pret...
by livesoft
Tue Jun 27, 2017 10:03 pm
Forum: Personal Consumer Issues
Topic: Cat teeth cleaning costs
Replies: 15
Views: 1014

Re: Cat teeth cleaning costs

For a dog, teeth cleaning under full anesthesia has been $250 and $450 with lower price found in a ZIP code with less wealthy people.
by livesoft
Tue Jun 27, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Certified Pre-Owned Honda/Toyota
Replies: 9
Views: 789

Re: Certified Pre-Owned Honda/Toyota

For a CPO Lexus at least 15% off if not 20% off the price posted online or on the lot. My opinion is that dealers price such cars high in order to get folks to think a new car is a cheaper, better deal. After all, if new is $25K and a used car is $25K, which one will you buy? But if the used car wer...
by livesoft
Tue Jun 27, 2017 7:05 pm
Forum: Investing - Theory, News & General
Topic: Price on ETF and the Mutual Fund, What?
Replies: 10
Views: 495

Re: Price on ETF and the Mutual Fund, What?

An ETF share is just a different size container than a mutual fund share. Maybe one is about a pint and the other is about a quart size. Or whatever ratio of size that you like. You may also wonder why the prices of some Admiral shares are different from Investor shares, but sometimes they are not (...
by livesoft
Tue Jun 27, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check your dividends?
Replies: 16
Views: 1433

Re: Do you check your dividends?

Yes always. And I have found mistakes, too. I use mostly ETFs which go ex-dividend about a week before I receive the actual cash payout gets into my account. For instance, VSS traded $0.823 less starting on the ex-div date of 6/21, but the $0.823 didn't show up until this morning on 6/27 when I coul...
by livesoft
Tue Jun 27, 2017 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Funds (Vanguard) or ETFs (Schwab)
Replies: 4
Views: 419

Re: Funds (Vanguard) or ETFs (Schwab)

I think first off that one needs to separate the investment advice from the investments. That might sound strange, but the Vanguard 4-fund advice can be implemented in many ways including: V1. Vanguard funds as given. V2. Vanguard ETFs. V3. Schwab index mutual funds. V4. Schwab ETFs. V5. All-in-one ...
by livesoft
Mon Jun 26, 2017 8:15 pm
Forum: Investing - Theory, News & General
Topic: where to go to learn about investing?
Replies: 20
Views: 1359

Re: where to go to learn about investing?

I was just in the library today and browsed the shelf of investing books. They were all pretty bad, so maybe the good ones were checked out.

I think you are ready for a book or two written by John Bogle, William Bernstein, Larry Swedroe, and/or Rick Ferri. Their books are in the reading list.
by livesoft
Mon Jun 26, 2017 8:44 am
Forum: Forum Issues and Administration
Topic: Can you search for a string like 5.2%?
Replies: 3
Views: 249

Re: Can you search for a string like 5.2%?

Yes. Type

5.2% site:bogleheads.org

in your browser address bar. If you have a default search engine specified, what do you get?
by livesoft
Sun Jun 25, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: Things to do in Iowa/Nebraska
Replies: 64
Views: 2847

Re: Things to do in Iowa/Nebraska

Maybe you can tour the headquarters of the Strategic Air Command south of Omaha and play with the red phone? I've done that at least twice. Watch "Dr. Strangelove" before you go.
by livesoft
Sat Jun 24, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: ETFs or Mutual Funds for an inexperienced investor
Replies: 32
Views: 1563

Re: ETFs or Mutual Funds for an inexperienced investor

It does seem more complex. I tend to look after trading hours to try and familiarize and educate myself, so the asking prices seem way high. How do you come up with your asking price? If something is currently at $125, but the asking price is something like $140. What to do? But when you look at a ...
by livesoft
Sat Jun 24, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: How does Fidelity makes money, if I own all Vanguard funds or ETFs
Replies: 56
Views: 4077

Re: How does Fidelity makes money, if I own all Vanguard funds or ETFs

I have a Fidelity account with a Vanguard ETF in it. I have never made a transaction in that account: The shares were transferred into the account in-kind in order to get a frequent flyer mileage bonus. Yes, I get dividends which are sent directly to my external checking account. When I am ready to ...
by livesoft
Sat Jun 24, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Company: "Why do you need so much coverage?"
Replies: 18
Views: 1559

Re: Insurance Company: "Why do you need so much coverage?"

I'd turn this around and ask your insurance company for their advice on how much to have given your personal situation. I don't think there is a "catch."
by livesoft
Sat Jun 24, 2017 4:59 pm
Forum: Investing - Theory, News & General
Topic: Cost Basis Calculation
Replies: 8
Views: 381

Re: Cost Basis Calculation

The OP likely has his overall cost basis in mind. No need to consider individual shares cost. Not a problem. The OP can add up what they paid for each and every lot by looking at the list of transactions. But how do you explain this statement "I multiplied shares by corresponding cost basis a ...
by livesoft
Sat Jun 24, 2017 4:55 pm
Forum: Investing - Theory, News & General
Topic: Cost Basis Calculation
Replies: 8
Views: 381

Re: Cost Basis Calculation

You are conflating cost basis with what you contributed to the account. They are not the same thing. Every single share purchased cost money to buy --- no matter whether the money came from outside the account from your contribution or inside the account from a dividend or inside the account from a ...
by livesoft
Sat Jun 24, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target fund vs 5 ETF's or Funds?
Replies: 6
Views: 581

Re: Vanguard Target fund vs 5 ETF's or Funds?

I've been using a Target Retirement fund as a benchmark against my separate fund portfolio for the past few years. I will say that one can do better than the Target fund, but one has to be very very good at rebalancing to do so. I don't believe that most investors can do better than the Target fund....
by livesoft
Sat Jun 24, 2017 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Long or short-term capital gains after merger?
Replies: 7
Views: 458

Re: Long or short-term capital gains after merger?

TDAmeritrade uses GainsKeeper for the cost basis editing and reporting. I just looked at my account and I can change the basis of shares I sold back in 2002 still. Don't ask me why they would let me do that, but I do like that the online records go back that far. :)
by livesoft
Sat Jun 24, 2017 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Long or short-term capital gains after merger?
Replies: 7
Views: 458

Re: Long or short-term capital gains after merger?

You might as well have your broker correct the dates acquired and any cost basis for these shares. That's part of their job, so please ask them to do so.
by livesoft
Sat Jun 24, 2017 6:41 am
Forum: Investing - Help with Personal Investments
Topic: VTSAX dividend error?
Replies: 23
Views: 2226

Re: VTSAX dividend error?

So there are a few places that the reinvestment price can be displayed in one's account(s) after they login. Is the reinvestment price wrong in every one of those places or only in one place or only in some places? Does this affect people who have "upgraded", "not upgraded", use ...
by livesoft
Sat Jun 24, 2017 6:01 am
Forum: Personal Consumer Issues
Topic: Cars my only weakness, make me feel bad!!
Replies: 32
Views: 1937

Re: Cars my only weakness, make me feel bad!!

So it's time to buy another new car. What are you getting this time?
by livesoft
Fri Jun 23, 2017 9:17 pm
Forum: Investing - Theory, News & General
Topic: Dividend calculations -- Am I missing something?
Replies: 5
Views: 728

Re: Dividend calculations -- Am I missing something?

jebmke wrote:Bond funds pay dividends pro-rated for the dates you own them during the month.

Not all bond funds work that way.

For instance, VSCSX works like the OP expected.

The trick is to read the prospectus so you know how it works for the fund you are about to buy,
by livesoft
Fri Jun 23, 2017 8:52 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 38
Views: 2306

Re: Anyone have a habit of checking the market all day?

What? You don't like my spin on Fake News? I thought it was just as valid as any other fake news. :)
by livesoft
Fri Jun 23, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: Where to put a vegie garden
Replies: 13
Views: 1095

Re: Where to put a vegie garden

I'd think an important feature would be sunlight and its direction and what obstructs it.
by livesoft
Fri Jun 23, 2017 7:43 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 38
Views: 2306

Re: Anyone have a habit of checking the market all day?

DomDangelina wrote:There was some article recently about those whose portfolios did best; they had literally forgotten about their portfolios!

No, the article was their advisor had died.
by livesoft
Fri Jun 23, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Challenge -- Help me "win the game".
Replies: 25
Views: 2078

Re: Boglehead Challenge -- Help me "win the game".

I see your point regarding buying low. I guess the question is whether you have the discipline to rebalance, but that is true regardless of what is going on in the market when you need to sell. Ah, discipline! What would you do if your bond funds dropped 4% in the past 3 months, then your equities ...
by livesoft
Fri Jun 23, 2017 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Challenge -- Help me "win the game".
Replies: 25
Views: 2078

Re: Boglehead Challenge -- Help me "win the game".

But if you continue the same strategy of withdrawing from taxable first, then you are selling stocks "low." If you keep some cash/short-term bonds in taxable, you can avoid that. So what if you sell stocks low in taxable as long as you also buy them low in tax-advantaged. This is describe...
by livesoft
Fri Jun 23, 2017 6:01 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 38
Views: 2306

Re: Anyone have a habit of checking the market all day?

I check the markets much, much less than I check bogleheads.org.
by livesoft
Fri Jun 23, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Challenge -- Help me "win the game".
Replies: 25
Views: 2078

Re: Boglehead Challenge -- Help me "win the game".

This is one of the concerns that I am having difficulty wrapping my mind around. Traditional portfolio construction would suggest most if not all of my equity allotment in this scenario to the taxable brokerage account due to tax efficiency. But then relatively soon appears the need to draw down mu...
by livesoft
Fri Jun 23, 2017 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual High Fees to Vanguard
Replies: 24
Views: 1264

Re: Northwestern Mutual High Fees to Vanguard

We don't know how VPAS presented this to the OP.
by livesoft
Fri Jun 23, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual High Fees to Vanguard
Replies: 24
Views: 1264

Re: Northwestern Mutual High Fees to Vanguard

Folks, this is NOT the first time that we have seen a Vanguard PAS portfolio of 3 funds to cover all the asset classes presented this way. It is amusing that several posters have not noticed that Vanguard Total Stock Market Index fund is used for large caps, mid caps, AND small caps by stating the p...
by livesoft
Fri Jun 23, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Child's Investments' impact on Financial Aid
Replies: 5
Views: 341

Re: Child's Investments' impact on Financial Aid

How a child's (or grandchild's) account is clearly described on the FAFSA. Our experience is that money that the student has is money to be spent for college, so it definitely does affect financial aid that might be awarded. And why shouldn't it? Many schools do not need to follow the federal formul...
by livesoft
Fri Jun 23, 2017 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual High Fees to Vanguard
Replies: 24
Views: 1264

Re: Northwestern Mutual High Fees to Vanguard

With $25K in the taxable and an unknown in the Roth, I am not even sure OP has enough that Vanguard would accept them to PAS anyways. Although, some of the ETFs in the existing portfolio are keepers, the amounts appear to be so low that the tax consequences of getting rid of them would be less than ...
by livesoft
Fri Jun 23, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Boglehead Challenge -- Help me "win the game".
Replies: 25
Views: 2078

Re: Boglehead Challenge -- Help me "win the game".

Although you do not have children, these two threads should be of help wrt taxes:

Families with $200,000: viewtopic.php?t=79510
Retirees with 6-figure expenses: viewtopic.php?t=87471
by livesoft
Fri Jun 23, 2017 6:33 am
Forum: Personal Consumer Issues
Topic: Bogleheads: Please help me pick a new car
Replies: 71
Views: 4482

Re: Bogleheads: Please help me pick a new car

[...] I believe it meets all of my requirements (AWD, brake assist, etc.). 29,000 miles. It is priced at $33K, which is $1,789 below market price, according to cargurus.com. The warranty would run through 2021, unlimited miles. the dealer has already reduced the price by $4,200. [...] I find it har...
by livesoft
Thu Jun 22, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: Please help me pick a new car
Replies: 71
Views: 4482

Re: Bogleheads: Please help me pick a new car

My son pointed out a Nissan GT-R to me today in the H.E.B. parking lot. It was near a BMW i8.
by livesoft
Thu Jun 22, 2017 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Northwestern Mutual High Fees to Vanguard
Replies: 24
Views: 1264

Re: Northwestern Mutual High Fees to Vanguard

Finance-MD wrote:you could get basically the same thing with
55% US Total Stock Market
35% Total International Stock Market
10% Total bond.

Ha! Ha! Did you read it? :)

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