Search found 61099 matches

by livesoft
Sat Jul 21, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Wine chiller
Replies: 9
Views: 425

Re: Wine chiller

SixAlpha wrote:
Sat Jul 21, 2018 7:14 am
I work part time at a wine shop. We always tell people to half-submerge the bottle in a bucket of ice. Rotate the bottle periodically if it’s sitting at an angle. Works just as fast as fancy wine chillers.
Yes, that's what I wrote, but without the physics.
by livesoft
Sat Jul 21, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: Garage door experts
Replies: 12
Views: 516

Re: Garage door experts

Please take a moment and watch the youtube.com videos on all this. Seriously. A video or two will show you how to raise and lower your garage door safely manually.
by livesoft
Sat Jul 21, 2018 12:33 am
Forum: Investing - Theory, News & General
Topic: Rethinking bond fund
Replies: 13
Views: 777

Re: Rethinking bond fund

My thoughts haven't changed: Do what you want to do. I presume you are a consenting adult. You will live with the consequences whatever they are. If you are right, the consequences are minor; if you are wrong the consequences are minor. In the end messing around with bond funds, CDs, and other fixed...
by livesoft
Sat Jul 21, 2018 12:03 am
Forum: Investing - Help with Personal Investments
Topic: DIY pitfalls?
Replies: 6
Views: 416

Re: DIY pitfalls?

Once again, inherited taxable investments are all long-term. See IRS.gov. There are no short-term assets here.
by livesoft
Fri Jul 20, 2018 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: DIY pitfalls?
Replies: 6
Views: 416

Re: DIY pitfalls?

Here is what I think: 1. No issue for you. All inherited assets are considered long-term held even if held for one day. I think grabiner wrote something about 6-months which he can comment on which may be throwing you off. I don't think there is such a rule as you envision it. There is something abo...
by livesoft
Fri Jul 20, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: Wine chiller
Replies: 9
Views: 425

Re: Wine chiller

Heat transfer is just a matter of physics. You want to transfer the kinetic energy of every molecule of wine in the bottle to the glass bottle's molecules and at the same time transfer the kinetic energy of the glass bottle's molecules to something on the outside of the bottle such as cold water mol...
by livesoft
Fri Jul 20, 2018 5:43 pm
Forum: Investing - Theory, News & General
Topic: Good Books on Investment?
Replies: 10
Views: 403

Re: Good Books on Investment?

Oh, so you read Jason Zweig and will follow his advice. That's not the advice of Benjamin Graham who died in 1976 which was the same year that the first retail index fund was available I think although an institutional index fund was available before that year. Mr Zweig did a good job subverting Gra...
by livesoft
Fri Jul 20, 2018 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: College Saving Plans - Options
Replies: 4
Views: 320

Re: College Saving Plans - Options

Not only should you open a Roth IRA first, but your spouse should open a Roth IRA as well. And both should contribute the maximum allowed every year to the Roth IRAs before considering 529 plans. But after that, 529 plans are great for the folks who can contribute to them. One thing that people don'...
by livesoft
Fri Jul 20, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: JFK Traverlers: How to go from NJ to JFK and the opposite?
Replies: 34
Views: 1253

Re: JFK Traverlers: How to go from NJ to JFK and the opposite?

Whatever happens, I will look forward to what the OP actually did, so I hope they report back after they get all the way home from their trip.
by livesoft
Fri Jul 20, 2018 5:23 pm
Forum: Investing - Theory, News & General
Topic: Index-ish fund that lacks FAANG?
Replies: 23
Views: 1391

Re: Index-ish fund that lacks FAANG?

^I would not do what the OP wants to do, nor would I short an ETF of some FAANG stocks nor short some individual stocks.

Indeed, I would even overweight things by owning some MTUM which I consider large-cap growth.

Full disclosure: I own some MTUM. :twisted:
by livesoft
Fri Jul 20, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Optimizing 403(b) expense ratios
Replies: 7
Views: 241

Re: Optimizing 403(b) expense ratios

oncodoc wrote:
Fri Jul 20, 2018 4:58 pm
What do you think about potential for tax drag in the taxable account?
Tell me what the tax drag will be first. See, e.g., viewtopic.php?t=242137
by livesoft
Fri Jul 20, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: Good Books on Investment?
Replies: 10
Views: 403

Re: Good Books on Investment?

I read Benjamin Graham and he didn't write about holding quality index funds at all. They didn't even exist when he wrote the book.

So color me confused. :)

The Bogleheads reading list is a good source of book titles that you may wish to investigate whether you want to read them or not.
by livesoft
Fri Jul 20, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Optimizing 403(b) expense ratios
Replies: 7
Views: 241

Re: Optimizing 403(b) expense ratios

Is there some downside to this maneuver that I'm not thinking of? I think the downsides would be very minor if any at all. At some point, you might get more than $22,000(?) in qualified dividends from your international fund in taxable which will make filing Form 1116 for the foreign tax credit mor...
by livesoft
Fri Jul 20, 2018 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: How should I move my taxable account from Fidelity to Vanguard?
Replies: 5
Views: 409

Re: How should I move my taxable account from Fidelity to Vanguard?

You could sell Fido funds at Fidelity and buy Vanguard ETFs at Fidelity for less than $20 commission, then transfer in-kind. You should sell some (not all) of your shares and send the money to Vanguard and buy Vanguard funds. If you sell $5,000 at a time, then you would only have $5,000 out of the m...
by livesoft
Fri Jul 20, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Being tax efficient
Replies: 4
Views: 394

Re: Being tax efficient

Yes, there are many. If you look at your Form 1040 and find the line with Taxable Income and work backwards you can see how it all works.

I will give one example, but there are many others:

Give a lot of your money away to charity.
by livesoft
Fri Jul 20, 2018 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Moving funds to balance across accounts
Replies: 2
Views: 147

Re: Moving funds to balance across accounts

VINIX is NOT total US stock market. It follows the S&P500 index. At TDAmeritrade, I use SPTM for a Total US Stock Market Index fund. I would use SPTM at TDAmeritrade and NOT VOO. VOO is an S&P500 index fund. If you want to have something to complement the S&P500 index fund, then you would want a com...
by livesoft
Fri Jul 20, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation with multiple retirement accounts
Replies: 10
Views: 768

Re: Asset Allocation with multiple retirement accounts

Recommend also Asset Allocation in Multiple Accounts https://www.bogleheads.org/wiki/Asset_allocation_in_multiple_accounts I hadn't seen that wiki article linked before. It's a good one. Also, to see what asset allocation one has, one can enter all their investment information found in all their ac...
by livesoft
Fri Jul 20, 2018 2:05 pm
Forum: Investing - Theory, News & General
Topic: Index-ish fund that lacks FAANG?
Replies: 23
Views: 1391

Re: Index-ish fund that lacks FAANG?

One can always sell short an ETF that is composed of stocks one doesn't want. Or maybe an option.

Here's a list of ETFs that might be of interest to folks:

http://etfdb.com/themes/faang-etfs/
by livesoft
Fri Jul 20, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Bond Ladder Managed Account
Replies: 30
Views: 1304

Re: Bond Ladder Managed Account

Winston101 wrote:
Fri Jul 20, 2018 11:02 am
What am I missing?
The bond fund will not be paying 2.5% at the end of two years in the scenario you described. It may not be paying 2.5% at the end of one year either. It should be paying more than 2.5% under those circumstances. In other words, you will NOT earn the same income over two years.
by livesoft
Fri Jul 20, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Good places to visit within 4-5 hr drive from Atlanta
Replies: 19
Views: 994

Re: Good places to visit within 4-5 hr drive from Atlanta

What about all those distilleries around the area in Atlanta,in Tennessee, and in Georgia.
by livesoft
Fri Jul 20, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Denied Umbrella Coverage Twice - What now?
Replies: 11
Views: 1338

Re: Denied Umbrella Coverage Twice - What now?

I wonder if it doesn't have much to do with living with your family. Cars are insured through Geico in an account under my name with everyone listed as insured drivers. Drop everyone else from your car insurance. Make them get their own car insurance or stop driving. You didn't say if you own the ca...
by livesoft
Fri Jul 20, 2018 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Bond Ladder Managed Account
Replies: 30
Views: 1304

Re: Bond Ladder Managed Account

I'm cynical. I can imagine the Fidelity advisors sitting around a table in a conference room on a conference call. "Well, how can we generate some business?" "Let's sell some bonds and generate fees and commissions. After all, there is all this talk about interest rates going up. That's a good reaso...
by livesoft
Fri Jul 20, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: unripe fruit on a branch that has fallen off the tree
Replies: 7
Views: 800

Re: unripe fruit on a branch that has fallen off the tree

We had a peach tree and part of the maintenance was to pick off small fruit before they grew too big each year, so that there was one peach for every 4 leaves or so. Otherwise, the fruit would never grow big enough to it. Of course, the birds and the neighbors' yard guys got all the rest of the frui...
by livesoft
Fri Jul 20, 2018 7:30 am
Forum: Personal Consumer Issues
Topic: JFK Traverlers: How to go from NJ to JFK and the opposite?
Replies: 34
Views: 1253

Re: JFK Traverlers: How to go from NJ to JFK and the opposite?

Hire a limo ahead of time. With all :shock: those bags, you want someone to drop you off at curbside check in.
by livesoft
Fri Jul 20, 2018 7:10 am
Forum: Investing - Help with Personal Investments
Topic: FIFO or LIFO?
Replies: 4
Views: 333

Re: FIFO or LIFO?

FIFO and LIFO are subsets of Specific Identification where the brokerage specifically identifies the shares for you. When I sell shares in a taxable account, I know if FIFO or LIFO will give me the lowest taxes or if something else will give me the lowest taxes. So I choose what gives me the lowest ...
by livesoft
Fri Jul 20, 2018 7:03 am
Forum: Investing - Help with Personal Investments
Topic: Adding to investment funds and capital gains
Replies: 2
Views: 160

Re: Adding to investment funds and capital gains

Vanguard.com will tell you which gains and losses are short-term and which gains and losses are long-term. Please take a look and tell us what you see. Just looking should ease your mind and set you straight. https://i.imgur.com/zWjOebQ.png Even if you have chosen Average Cost, the short and long te...
by livesoft
Fri Jul 20, 2018 6:17 am
Forum: Investing - Help with Personal Investments
Topic: Tax Efficiency vs. Lower Fees
Replies: 2
Views: 277

Re: Tax Efficiency vs. Lower Fees

In the taxable account one can also tax-loss harvest losses. I don't think it really matters which type of account you put international stock index funds in because the differences in costs will be so minuscule that you won't ever even notice if you save the most money or not. Go worry about someth...
by livesoft
Thu Jul 19, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Another avg cost vs. Spec ID decision
Replies: 13
Views: 821

Re: Another avg cost vs. Spec ID decision

Your tax form will be trivial since you will import the 1099-B from Vanguard and your tax prep software will do the right thing.

So, No, you do NOT have to break out each and every lot on the tax form.
by livesoft
Thu Jul 19, 2018 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: I'm about to inherit a single stock with a worth of just over 7 figures....
Replies: 94
Views: 6603

Re: I'm about to inherit a single stock with a worth of just over 7 figures....

topper1296 wrote:
Thu Jul 19, 2018 5:25 pm
I haven't read all of the other responses, however why not find a "middle ground"? Maybe sell 80% of it to put in a total stock market index and keep the rest.
Because that would be bad.
by livesoft
Thu Jul 19, 2018 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: I'm about to inherit a single stock with a worth of just over 7 figures....
Replies: 94
Views: 6603

Re: I'm about to inherit a single stock with a worth of just over 7 figures....

I see giving up the $35,000 annually as a potential mistake. I'm laughing because that assumes that a passively-managed low-expense-ratio diversified index fund portfolio won't pay out just as much or more annually. I wish my index funds didn't pay out so much because I get taxed on those payouts i...
by livesoft
Thu Jul 19, 2018 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: "Exchanging" ETFs
Replies: 5
Views: 491

Re: "Exchanging" ETFs

If you do the buy quick enough after the sell (say within a few seconds, minutes), then you won't see the money in the settlement fund at all.

Vanguard.com is very slow to update any money amounts.
by livesoft
Thu Jul 19, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Two Questions - College Tuition Payments
Replies: 11
Views: 985

Re: Two Questions - College Tuition Payments

What if your student drops out or switches schools?

We always set up a payment plan when we could because we always made more money investing than wasting that money on paying college early.
by livesoft
Thu Jul 19, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: I'm about to inherit a single stock with a worth of just over 7 figures....
Replies: 94
Views: 6603

Re: I'm about to inherit a single stock with a worth of just over 7 figures....

That 10% for the next generation just dooms the next generation to the same mistake.
by livesoft
Thu Jul 19, 2018 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: I'm about to inherit a single stock with a worth of just over 7 figures....
Replies: 94
Views: 6603

Re: I'm about to inherit a single stock with a worth of just over 7 figures....

Forget about sentimentality. That's a trap. Your asset allocation right now should not be what your dad's asset allocation was. It is even possible that he felt trapped in the position because of taxes. And investing is different from years ago. Products are different. Index funds that are passively...
by livesoft
Thu Jul 19, 2018 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Cost Basis With Fractional Shares In Mutual Funds
Replies: 3
Views: 215

Re: Cost Basis With Fractional Shares In Mutual Funds

It would not take days to analyze anything with Specific Identification, so that's what I suggest.

Vanguard.com will just put the results on its web site for you and you wouldn't even have to think about it.
by livesoft
Thu Jul 19, 2018 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Selling Fractional Shares after a Transfer
Replies: 7
Views: 424

Re: Selling Fractional Shares after a Transfer

I would call Schwab instead of posting on bogleheads first. Then I would tell everyone on bogleheads.org how to do it based on what Schwab did for me.

What has the world come to?
by livesoft
Thu Jul 19, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: How to calculate daily return for a portfolio of more than one stock?
Replies: 5
Views: 336

Re: How to calculate daily return for a portfolio of more than one stock?

^I don't think that is always going to work because each stock won't always be 50% and that negative change is tricky. 1. Convert percent change to fractional factor. For instance, -0.2156% is a factor of (1.0 - 0.2156/100) = 0.997844. 2. Then compute weighted arithmetic mean (aka weighted average) ...
by livesoft
Thu Jul 19, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 68
Views: 4579

Re: $540 a month on food for graduate student budget too much?

Most (if not all) canned food has way too much sodium which is just not good for health (and worse as you grow older!). Instead, get the dried black (or kidney beans), soak for a few hours (or a day even), pressure cook the beans then add salt to taste (which will invariably never be close to how m...
by livesoft
Thu Jul 19, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: What is the most severe hyperbolic discounting you have ever acted on?
Replies: 30
Views: 2224

Re: What is the most severe hyperbolic discounting you have ever acted on?

123 wrote:
Thu Jul 19, 2018 9:12 am
When Quaker Oats 42 oz goes on sales for 2 for $5 ...
[ quote fixed by admin LadyGeek]
The store brand is pretty much the same thing and always priced at $2.49 for 42 oz which is less than 2 for $5.
by livesoft
Thu Jul 19, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: REITs, etc
Replies: 11
Views: 609

Re: REITs, etc

1. I hold REITs at the market weight found in Total Stock Market index funds all the time. In addition, I have an allocation of 0% to 10% in REITs separately. Currently my portfolio has 0% in separate REIT funds. 2. They belong in tax-advantaged accounts since the dividends are taxed, but not favora...
by livesoft
Thu Jul 19, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: What is the most severe hyperbolic discounting you have ever acted on?
Replies: 30
Views: 2224

Re: What is the most severe hyperbolic discounting you have ever acted on?

jhfenton wrote:
Thu Jul 19, 2018 8:18 am
What's your buy-up-the-whole-store price point on oatmeal?
Ha! I'm not sure, but all I know is that I've never seen such a price in my life ... yet.
by livesoft
Thu Jul 19, 2018 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Program and Administration Fee Error?
Replies: 4
Views: 380

Re: Program and Administration Fee Error?

We cannot tell anything from the image you posted. My spouse has VFIAX in her 401(k). There are no extra fees for her. The daily NAV values in her 401(k) account match the Vanguard.com numbers. When she buys or sells shares, the math works out that the number of shares times the NAV is the dollar am...
by livesoft
Thu Jul 19, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: 403B Coal Raking! Help!
Replies: 17
Views: 1688

Re: 403B Coal Raking! Help!

I would strongly urge you to not to "make a stink." Your wife needs to choose and fight her own battles. There are many aspects to a job and this one might not be important to her. Especially if there is no match this could be close to the bottom of her priority list. If there is a match, be thankf...
by livesoft
Thu Jul 19, 2018 7:26 am
Forum: Investing - Theory, News & General
Topic: How to calculate daily return for a portfolio of more than one stock?
Replies: 5
Views: 336

Re: How to calculate daily return for a portfolio of more than one stock?

If you own equal number of shares, then they must have the same price if your portfolio is 50% one and 50% the other. Maybe you can clarify? But you can just ignore the percent change of each stock and figure calculate how much higher your portfolio is today from yesterday. Example: Total portfolio ...
by livesoft
Thu Jul 19, 2018 7:21 am
Forum: Personal Finance (Not Investing)
Topic: What is the most severe hyperbolic discounting you have ever acted on?
Replies: 30
Views: 2224

Re: What is the most severe hyperbolic discounting you have ever acted on?

When 2-liter bottles of soda go on sale for 77 cents each, I buy every single one in the store and go to other stores in the area to buy all of the ones they have in stock, too. If you don't know what brand and flavor I am talking about, then you haven't been reading this forum long enough. Otherwis...
by livesoft
Wed Jul 18, 2018 6:22 pm
Forum: Investing - Theory, News & General
Topic: Flatting Yield Curve - buckle up for the storm?
Replies: 27
Views: 2283

Re: Flatting Yield Curve - buckle up for the storm?

grayfox wrote:
Wed Jul 18, 2018 6:00 pm
Where's that page that shows the probability of FED FUNDS rate at future dates. Is this it?
I use this, but they are probably all pretty much the same:
https://www.cmegroup.com/trading/intere ... -fomc.html
by livesoft
Wed Jul 18, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: Flatting Yield Curve - buckle up for the storm?
Replies: 27
Views: 2283

Re: Flatting Yield Curve - buckle up for the storm?

OK, which bond funds will do best before the Recession is noticed and which one's will do best as the Recession is noticed and which one's will do best after the Recession is declared?
by livesoft
Wed Jul 18, 2018 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Short versus Intermediate Term Bond
Replies: 19
Views: 2015

Re: Short versus Intermediate Term Bond

patrick013 wrote:
Wed Jul 18, 2018 2:10 pm
@Livesoft
...
Sorry, I don't know what you are writing about, but you can pm me to explain if you wish.