Search found 62010 matches

by livesoft
Tue Sep 25, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 60
Views: 5706

Re: I see now why Rollovers can take FOREVER ....

@Snuffycuts99 (!?), I'm sorry to read about your problems. My spouse did fax documents that I filled out for her to TSACG last week. She got an e-mail from them that they had received documents. For my spouse's rollover, TSACG sent this e-mail to my spouse today: Documents submitted for the above in...
by livesoft
Tue Sep 25, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: Which type of Primary Care Physician?
Replies: 24
Views: 1360

Re: Which type of Primary Care Physician?

I want to add that my insurance does not force me to get a referral from my PCP for anything. When I break a bone, my PCP will only learn about it after it is all healed because I went to my orthopedist. If I had lithotripsy, my PCP won't know about it until months later because I just went to my ur...
by livesoft
Tue Sep 25, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 26
Views: 1380

Re: How to buy a mattress

Yikes! I'm as cheap as they come and ours is only nine years but we've needed to put a 2" foam pad on top because how much the springs are felt through these days. Of course, it was only $299 for the mattress & boxspring at R.C. Willey. I can imagine springs literally poking out after 24 years. All...
by livesoft
Tue Sep 25, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Which type of Primary Care Physician?
Replies: 24
Views: 1360

Re: Which type of Primary Care Physician?

My experience is that internal medicine doctors really like to deal with arteries, blood pressure, and things like that. They will phone in prescriptions for sore throats and pretty much refer you to another doctor for anything else. Basically, you won't need to see your internal medicine physician ...
by livesoft
Tue Sep 25, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: How to direct spouse to use life insurance proceeds if I die first?
Replies: 15
Views: 876

Re: How to direct spouse to use life insurance proceeds if I die first?

I don't get this idea of pay off the mortgage that often crops up when life insurance is discussed. I suggest that one always continue to just make mortgage payments. Yes, the money can come from the life insurance payout, but monthly payments (presumably the status quo) is something that one is use...
by livesoft
Tue Sep 25, 2018 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: TLH VTIAX
Replies: 18
Views: 523

Re: TLH VTIAX

I experienced a wash sale with VTIAX because I created more than one on purpose. I detailed this in the following thread:

viewtopic.php?t=179414
by livesoft
Tue Sep 25, 2018 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: TLH VTIAX
Replies: 18
Views: 523

Re: TLH VTIAX

i would like you to list your many, many more decent TLH partners for VTIAX at Vanguard? for education purposes of course. Good luck with that. I wasn't thinking of partners at Vanguard. But IXUS was given in this thread by someone else. But I'll throw you a bone: VTSAX is not a bad temporary TLH p...
by livesoft
Tue Sep 25, 2018 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: TLH VTIAX
Replies: 18
Views: 523

Re: TLH VTIAX

loklav wrote:
Tue Sep 25, 2018 1:33 pm
Also is there not a potential wash sale between VFWAX and FSGDX (or TFBL) ?
I don't think so, but I am some anonymous random poster on an internet forum.
by livesoft
Tue Sep 25, 2018 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: TLH VTIAX
Replies: 18
Views: 523

Re: TLH VTIAX

What happened to your VTIAX dividend paid this week? I suppose it's going to be automatically reinvested. I just disabled the option today (to transfer to the settlement fund instead). Is it an issue? I also reinvested bi-weekly in VTIAX (last time was last week). Do I have to wait 30 days before T...
by livesoft
Tue Sep 25, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 26
Views: 1380

Re: How to buy a mattress

Keep your mattress another 15 years and ask again then.

Our mattress is like new and it is 24 years old.
by livesoft
Tue Sep 25, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 40
Views: 2872

Re: Bosch dishwasher odor

Have had a Bosch 500 for about 4 years with no odor issues - it's super quiet and cleans well, but doesn't dry the dishes at all, they're soaking wet after running the machine. We have a Bosch 500 series. While the Bosch is not as quiet as an Asko we used to have, the Bosch does dry the dishes. But...
by livesoft
Tue Sep 25, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: TLH VTIAX
Replies: 18
Views: 523

Re: TLH VTIAX

What happened to your VTIAX dividend paid this week?

There really is not a practical limit to the "partners" for TLH. VFWAX is a good partner for VTIAX. There are many many more decent partners. When does VFWAX pay a dividend this week?
by livesoft
Tue Sep 25, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 399
Views: 57987

Re: 2-year CDs at Vanguard and Fidelity Today

FOMC is meeting NOW, so I suspect yields will be volatile for a couple of days.
by livesoft
Tue Sep 25, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Exchanging within taxable acct; is this a good idea?
Replies: 12
Views: 756

Re: Exchanging within taxable acct; is this a good idea?

I'd wait for those gains to go long-term then. In the meantime, do NOT reinvest dividends of VFIAX back into VFIAX.
by livesoft
Tue Sep 25, 2018 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Exchanging within taxable acct; is this a good idea?
Replies: 12
Views: 756

Re: Exchanging within taxable acct; is this a good idea?

While the VFIAX has short-term gains, they cannot be all that much, can they? In the past year, VFIAX is up only 10% or something like that, right?
by livesoft
Tue Sep 25, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Non-spousal Inherited IRA
Replies: 13
Views: 845

Re: Non-spousal Inherited IRA

I have a non-spousal inherited IRA. The RMD calculation is trivial because Fidelity or Vanguard or whoever will do the calculation for you. As noted, the RMD is only the minimum required to be withdrawn annually. One can always withdraw a larger amount at any time. It is not a bad idea to use any wi...
by livesoft
Tue Sep 25, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: VTI, VXUS distributions
Replies: 5
Views: 640

Re: VTI, VXUS distributions

I thought I saw a Vanguard announcement that Total International would post Sept 24 and Total Stock on Sept 26. Did I misread it? I can't find locate it at the moment. Vanguard lies. When they say "post Sept 24", they mean website will be updated AFTER Sept 24. Since it is now after Sept 24: https:...
by livesoft
Tue Sep 25, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: VTI, VXUS distributions
Replies: 5
Views: 640

Re: VTI, VXUS distributions

They will be posted tomorrow night after midnight.
by livesoft
Tue Sep 25, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2008

Re: Flu shot reaction? Getting flu shot this year?

Never had a reaction to the flu shot. I have gotten a flu shot for many years now including just a week ago.
by livesoft
Tue Sep 25, 2018 6:44 am
Forum: Investing - Help with Personal Investments
Topic: Exchanging within taxable acct; is this a good idea?
Replies: 12
Views: 756

Re: Exchanging within taxable acct; is this a good idea?

I think it is OK as long as you don't mind the tax hit. While it is OK to have VFIAX in taxable, be sure to think about getting mid/small caps in another account like Roth or 401(k). Or think about using VTSAX going forward. It doesn't look like the 2 funds that you would sell are paying a quarterly...
by livesoft
Tue Sep 25, 2018 5:47 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 57
Views: 2887

Re: Oil change interval for low-mileage vehicles

One of my cars has gone has long as 2 years without an oil change. Had that car over 14 years before I gave it away to my daughter. I think even every 6 months (unless the oil change is free) is probably overkill in a low mileage driven-at-least-once-a-week situation. You are not going to hurt your ...
by livesoft
Tue Sep 25, 2018 5:39 am
Forum: Investing - Theory, News & General
Topic: Don't Fear the Reaper (RMDs) - White Coat Investor blog post
Replies: 27
Views: 3375

Re: Don't Fear the Reaper (RMDs) - White Coat Investor blog post

...That’s right. You may need an IRA of nearly $14M in order to have this first world problem.
Well, the WCI blog is a first world blog after all, isn't it?
by livesoft
Mon Sep 24, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 44
Views: 4603

Re: Losing Passion for Hobbies. Cheap or normal aging?

Somehow this thread reminded me of

https://www.youtube.com/watch?v=Tiqxn3iOmxY

"My body feels young but my mind is very old"
by livesoft
Mon Sep 24, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 44
Views: 4603

Re: Losing Passion for Hobbies. Cheap or normal aging?

Hobbies are hobbies because you don't have to do them. You can generally always come back to them, too. I have to say I have never worried about what you have written about.
by livesoft
Mon Sep 24, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: Electric Shaver/Beard Trimmer
Replies: 14
Views: 1018

Re: Electric Shaver/Beard Trimmer

Did you price the $10 to $20 ones? No way would I pay $45 to repair a $15 electric trimmer. Walmart, Target, drugstores sell these things.

Of course, I'm retired and married, so I don't care what my facial hair looks like and shave/trim about once every 10 days.
by livesoft
Mon Sep 24, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: $450 for 1.5 hour plumbing job normal?
Replies: 30
Views: 3191

Re: $450 for 1.5 hour plumbing job normal?

I fixed a pinhole leak myself for less than $10. Another larger leak was fixed by a plumber (soldering in new piece of copper) for about $85. I showed plumber how to do it the most effective way which was to replace a larger straight section that he intended at first. I located the leaks myself and ...
by livesoft
Mon Sep 24, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 105
Views: 5628

Re: Fed up with health insurance situation

I'm in the same situation except my health insurance is provided through my spouse's employer through deductions from paychecks. The costs are the costs. Doctors, hospitals, receptionists, health care technicians, nurses, and many others don't work for free. After all, they have to pay for their hea...
by livesoft
Mon Sep 24, 2018 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Does it make sense to own two different total stock index funds?
Replies: 21
Views: 1289

Re: Does it make sense to own two different total stock index funds?

The mere holding of substantially identical funds and selling some shares at a loss does NOT generate a wash sale which is not illegal anyways. Don't let the tyranny of bogleheads.org stunt one's understanding of what a wash sale actually entails. Example: I hold VTI in taxable and in my Roth IRA. I...
by livesoft
Mon Sep 24, 2018 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Does it make sense to own two different total stock index funds?
Replies: 21
Views: 1289

Re: Does it make sense to own two different total stock index funds?

To prevent a wash sale when tax loss harvesting. If you sell a fund at a loss and claim a deduction, you can't hold another almost identical fund without triggering a wash. The above is not quite precise enough. I hold substantially identical funds and do tax-loss harvesting and claim the deduction...
by livesoft
Mon Sep 24, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Acoustic Pianos
Replies: 29
Views: 1292

Re: Acoustic Pianos

getthatmarshmallow wrote:
Mon Sep 24, 2018 10:36 am
livesoft wrote:
Mon Sep 24, 2018 10:26 am
We've had two Yamaha upright pianos for decades.
Why two?
My spouse was a music major and bought a piano before we were married. Then we inherited another piano.
by livesoft
Mon Sep 24, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting and my HSA
Replies: 2
Views: 211

Re: Tax Loss Harvesting and my HSA

I pair VLCAX / VV with VTSAX / VTI for tax-loss harvesting in my taxable accounts. Personally, I'd ignore the HSA as far as TLH interference goes. Or just work around it by understanding wash sales rules. Or you could use VFIAX / VOO in taxable with VLCAX / VV and dispense with owning VTSAX / VTI in...
by livesoft
Mon Sep 24, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Acoustic Pianos
Replies: 29
Views: 1292

Re: Acoustic Pianos

We've had two Yamaha upright pianos for decades.
by livesoft
Mon Sep 24, 2018 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Best way to get $100k cash
Replies: 84
Views: 6820

Re: Best way to get $100k cash

novemberrain wrote:
Mon Sep 24, 2018 12:21 am
But psychologically, I want to be done with my mortgage
Serious question: Why? These emotional things will mess you up.

Did anybody mention getting a HELOC and using it to pay off your mortgage?
by livesoft
Mon Sep 24, 2018 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Strategy for Maximizing College Financial Aid and Minimizing Taxes
Replies: 11
Views: 1192

Re: Strategy for Maximizing College Financial Aid and Minimizing Taxes

Gift grandparents the Apple stock. You and your spouse can gift something like $60K a year combined to 2 other people. It may be too late to get this stock off of a FAFSA. That way, no need for you to sell Apple stock and if grandparents sell, they have to pay the cap gains. Or you can gift the Appl...
by livesoft
Mon Sep 24, 2018 4:54 am
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 83
Views: 5807

Re: Emotional Investor - I'm a mess and need help!

And I would NEVER use a family member to manage my accounts if they charged and churned them. That is bullpucky, and you should get away ASAP and dump everything into Vanguard and then leave it alone. I wonder if the OP should manage his brother's investments. It would be interesting to know more a...
by livesoft
Sun Sep 23, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Ventilated car seats?
Replies: 39
Views: 2457

Re: Ventilated car seats?

Don't forget that the cold/hot air is cooling/heating the mass of the seat and not really the body sitting in the seat.
by livesoft
Sun Sep 23, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: Best/worst flavors of Gatorade/Powerade
Replies: 23
Views: 1396

Re: Best/worst flavors of Gatorade/Powerade

You could buy the powder and save tons of money. You will also note by buying the powder that you are basically buying sugar.

Can't tell you about flavor because I am drinking Crystal Light sugar-free lemonade made from the powder.
by livesoft
Sun Sep 23, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Ventilated car seats?
Replies: 39
Views: 2457

Re: Ventilated car seats?

My seats are cooled by forcing cold air to come out of the tiny holes. Works great. If my butt and clothes are blocking holes, I don't see how sucking is going to help, but I see how blowing can be helpful. Presumably the heating works the same way, but I live in a hot climate and have never turned ...
by livesoft
Sun Sep 23, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: New job. Need help adding funds to my new 401k
Replies: 13
Views: 791

Re: New job. Need help adding funds to my new 401k

I know it is not your fault with what JH is showing you. It is hard to see that the major holding has anything to do with being an index fund from the link you gave. In your shoes, I would talk to the plan sponsor and demand clear answers and expect not to get them.
by livesoft
Sun Sep 23, 2018 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Optimizing a Taxable Account
Replies: 2
Views: 407

Re: Optimizing a Taxable Account

If one separates the stock fund and the bond fund in taxable, then one will have potentially more tax-loss harvesting opportunities in taxable. Certainly, with tax-exempt muni bond funds there have been opportunities recently, but the tax-managed balanced fund would not have that bond fund TLH oppor...
by livesoft
Sun Sep 23, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 83
Views: 5807

Re: Emotional Investor - I'm a mess and need help!

You should NOT use in taxable account a LifeStrategy nor a Target Retirement fund. You want the most in tax-efficiency possible and these kinds of funds are not tax efficient. I find that I am capable of doing my own tax-loss harvesting with almost no effort and no thought. You should be able to do ...
by livesoft
Sun Sep 23, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Experiences (Ideas for)
Replies: 8
Views: 899

Re: Experiences (Ideas for)

Others are thinking of experiences as well, and have done so for ages:
https://www.nytimes.com/2018/09/22/opin ... do-it.html

I'm not saying one should follow in their footsteps, but some considerations are presented.
by livesoft
Sun Sep 23, 2018 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 83
Views: 5807

Re: Emotional Investor - I'm a mess and need help!

Here's something else the OP can do: They can get into the details of portfolio performance and comparison to benchmarks. I'll wager that the OP has really no idea what the performance of his portfolio has been. About the only legitimate way to calculate the performance is to use Excel XIRR() in a v...
by livesoft
Sun Sep 23, 2018 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Pros/cons on exchanging these funds?
Replies: 1
Views: 179

Re: Pros/cons on exchanging these funds?

FWIW, you are lucky to have been in VTABX in 2018 since it has significantly outperformed VBTLX.

Actually VTABX has outperformed VBTLX over the recent few years.

So the con is that VBTLX might continue to underperform VTABX going forward.
by livesoft
Sun Sep 23, 2018 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 83
Views: 5807

Re: Emotional Investor - I'm a mess and need help!

To the OP: What is longest time you have gone without initiating any transaction at all (except for an automatic contribution)?
by livesoft
Sun Sep 23, 2018 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: What investment company does your employer use?
Replies: 21
Views: 1271

Re: What investment company does your employer use?

My old firm used Fidelity. My spouse's firm uses TDAmeritrade and their 401(k) plan has many Vanguard index funds and even ETFs.
by livesoft
Sun Sep 23, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 80
Views: 8171

Re: Minimalist Lifestyle

What sort of interests or hobbies do you have? Gardening? Cooking? Woodworking? Entertaining? Crafts? Bicycling? Hiking? Fishing? All of these things require equipment and supplies. You exaggerate methinks. My neighbors have all kinds of things that they are willing to lend me as I am sure your nei...
by livesoft
Sun Sep 23, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 80
Views: 8171

Re: Minimalist Lifestyle

Whenever we have moved a long distance, we made sure to research and hire the best moving companies with stellar reputations. Despite our due diligence every single mover lost lots of our possessions including an overseas move where the entire container of our belongings was stolen. When you lose al...
by livesoft
Sun Sep 23, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Slip on loafer shoes for working guy?
Replies: 8
Views: 1151

Re: Slip on loafer shoes for working guy?

$9 (on sale) croc-like shoes from Walmart. I like camo color. https://www.walmart.com/ip/Real-Tree-Me ... e/48709862