Search found 59771 matches

by livesoft
Fri Apr 20, 2018 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: How do you compare VNQ vs SP500?
Replies: 14
Views: 413

Re: How do you compare VNQ vs SP500?

The really simple answer is you don't compare them to each other.
by livesoft
Fri Apr 20, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: SpecID not yet available
Replies: 3
Views: 418

Re: SpecID not yet available

And on the non-covered shares, I believe that is a thing with all brokerages. Both TDAmeritrade and WellsTrade have always had perfect records of our non-covered shares, so that we could use Specific Identification. Both would report accurate cost basis to me for non-covered shares, but would also ...
by livesoft
Fri Apr 20, 2018 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Opinion on Vanguard Personal Advisor Services
Replies: 12
Views: 1310

Re: Opinion on Vanguard Personal Advisor Services

And here is a link to another very good discussion of Vanguard PAS:

viewtopic.php?f=2&t=236085
by livesoft
Fri Apr 20, 2018 7:51 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Chasing Returns A Hard Catch
Replies: 2
Views: 305

Re: Larry Swedroe: Chasing Returns A Hard Catch

The article concludes
A better use of historical performance relegates it to a secondary role, the primary focus being an a priori analysis of a manager’s investment process (security selection and trading strategy).
Does that hint that a particular trading strategy can have benefits?
by livesoft
Fri Apr 20, 2018 7:07 am
Forum: Investing - Help with Personal Investments
Topic: Opinion on Vanguard Personal Advisor Services
Replies: 12
Views: 1310

Re: Opinion on Vanguard Personal Advisor Services

And TLH is a dual edge sword. It makes sense if you are going to buy and hold and leave the proceeds to your heirs just pulling the dividends in retirement. It makes less sense, in part depending on your current tax rate relative to your retirement tax rate, because by doing the TLH you essentially...
by livesoft
Fri Apr 20, 2018 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Financial planners [looking for one]
Replies: 21
Views: 1362

Re: Financial planners [looking for one]

A fluff piece on financial planners in the NYTimes today:
https://www.nytimes.com/2018/04/20/smar ... anner.html

Unfortunately, it does not inform one about all the problems with financial planners. They ain't all good guys and gals.
by livesoft
Thu Apr 19, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: managing travel expectations
Replies: 3
Views: 559

Re: managing travel expectations

Couples don't have to travel together. They can go to different places and at different times. One can stay home. I am going camping in the Sierras soon by myself. My spouse will stay home and walk the dog. My spouse went to Cuba with her girlfriends last month. I stayed home and walked the dog. But...
by livesoft
Thu Apr 19, 2018 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Pay the Taxman or the Financial Adviser/Fund Manager?
Replies: 5
Views: 439

Re: Pay the Taxman or the Financial Adviser/Fund Manager?

You would pay 22% of any money put into the taxable account first before you would buy one single share of VTI. With the 401(k), you would not pay that 22% at first.
by livesoft
Thu Apr 19, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Cash [Balance] Avoidance with TD Ameritrade ETFs
Replies: 8
Views: 369

Re: Cash [Balance] Avoidance with TD Ameritrade ETFs

I cannot judge intuitive for you. I can write that I am undaunted when it comes to teaching myself things and figuring things out for myself.
by livesoft
Thu Apr 19, 2018 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap Value Tilt in Roth IRA or 401k?
Replies: 3
Views: 314

Re: Small Cap Value Tilt in Roth IRA or 401k?

Maybe you don't want to do that because putting small-cap value in a Roth has the greatest potential for loss.
by livesoft
Thu Apr 19, 2018 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Cash [Balance] Avoidance with TD Ameritrade ETFs
Replies: 8
Views: 369

Re: Cash [Balance] Avoidance with TD Ameritrade ETFs

You can get your cash balance easily to less than the value of one (1) share of SPTM. Example: Submit orders for 1000, 1000, 1000 shares. Then for 100 shares. Then for 20 shares. When they all execute you will know how much cash you have left. Then for whatever remaining cash you have that will get ...
by livesoft
Thu Apr 19, 2018 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Cash [Balance] Avoidance with TD Ameritrade ETFs
Replies: 8
Views: 369

Re: Cash [Balance] Avoidance with TD Ameritrade ETFs

It doesn't cost you any commission to buy, so you can submit many orders to buy if you wanted. The order size could be 100, 200, 500, 1000 or whatever shares. You can submit some limit orders and some market orders. You can have many orders waiting to execute. You can even modify or cancel orders th...
by livesoft
Thu Apr 19, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest $950,000 over next 45-90 days
Replies: 26
Views: 2543

Re: How to invest $950,000 over next 45-90 days

Factor1 wrote:
Thu Apr 19, 2018 7:11 pm
Should I be looking at auction or secondary?

Is this where I should be?
You can look at both auction and secondary. If you ask Morgan Stanley for suggestions, they can give you the CUSIP numbers and you can just plug those into the search box at Vanguard and Fidelity to see the story.
by livesoft
Thu Apr 19, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new Toyota.[my fault comparing apples and oranges]
Replies: 22
Views: 1289

Re: Negotiating for a new Toyota.

Don't buy from this dealer.

They know you have bought from them twice before. They know what kind of deal they gave you. They are probably basing their prices on the past deals they gave you.
by livesoft
Thu Apr 19, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Good Dad, Bad Dad [pay for son's driving expenses (or not)]
Replies: 49
Views: 3218

Re: Good Dad, Bad Dad

Our kids got licenses soon enough and from then on were always driving when I was in the car, so that they had plenty of practice before going off to college where they did not have cars, but drove their friends' cars. Even now, I make them drive whenever they come home because I want them to always...
by livesoft
Thu Apr 19, 2018 3:30 pm
Forum: Investing - Theory, News & General
Topic: 2017 Relative Tax Efficiency
Replies: 33
Views: 4623

Re: 2017 Relative Tax Efficiency

Well, I have ridden my bike faster than the speed of light: I started at the top of a steep hill and just took off. I pedaled faster and faster in the top gear, but the real trick was I reached over to my left wrist where my analog watch was and pulled the stem out. Then I turned the minute hand bac...
by livesoft
Thu Apr 19, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: 2017 Relative Tax Efficiency
Replies: 33
Views: 4623

Re: 2017 Relative Tax Efficiency

I think that if I bought the shares on the last day of the year, then I would probably have no tax liability that year created by those shares.
by livesoft
Thu Apr 19, 2018 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest $950,000 over next 45-90 days
Replies: 26
Views: 2543

Re: How to invest $950,000 over next 45-90 days

Yes, I saw 4 week T-bills yesterday at 1.66% but I believe those come with some costs, right? No costs at a few places, but I would be surprised if Morgan Stanley was one of those places. Nevertheless, T-bills are probably the best place if the money must be kept at Morgan Stanley. You can easily c...
by livesoft
Thu Apr 19, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 77
Views: 3676

Re: Another discussion about private vs public schools?

Relax. In the early 1970's I went to a public high school that I found out later was nationally ranked. I would not have known it at the time. I had many AP course (yes, in the 1970s) and eventually went on to get a PhD. It was located in the South. We live in a public school system that is outstand...
by livesoft
Thu Apr 19, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Help with rebalancing retirement accounts
Replies: 5
Views: 469

Re: Help with rebalancing retirement accounts

I would not sell the 500 index at a gain in taxable in order to make any rebalancing moves unless the gain was not taxed because you are in a very low income tax bracket and won't pay state income taxes on it. Whether you stop adding to it and buy Total US Stock Market Index fund going forward will ...
by livesoft
Thu Apr 19, 2018 6:00 am
Forum: Investing - Theory, News & General
Topic: Goof? Prime MM, "retail," "Admiral," $5 million minimum?
Replies: 20
Views: 2522

Re: Goof? Prime MM, "retail," "Admiral," $5 million minimum?

It is probably a fund that some people use when they transfer assets to Vanguard and then DCA into their longer term investments. It plays to the mental accounting and behavioral finance aspects of rational investors.

Full disclosure: I have no money in this fund.
by livesoft
Wed Apr 18, 2018 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Consulting income-how to manage taxes?
Replies: 11
Views: 927

Re: Consulting income-how to manage taxes?

I wonder what the use of the word "our" actually means here. Do both spouses work and have plans?
by livesoft
Wed Apr 18, 2018 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds vs. Fixed/Guaranteed Income
Replies: 21
Views: 1830

Re: Bonds vs. Fixed/Guaranteed Income

The yield aka interest-rate aka return paid by the stable value will most certainly not be stable at 2.52%. It will vary over time.
by livesoft
Wed Apr 18, 2018 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: ETFs for cash savings
Replies: 8
Views: 871

Re: ETFs for cash savings

BIL is also pretty much like a money market fund.

But 3-4 years out? I would use equities myself such as VTI.
by livesoft
Wed Apr 18, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: Lack of FDIC Insurance a big deal?
Replies: 39
Views: 2918

Re: Lack of FDIC Insurance a big deal?

Why would you be suspicious of using 1-3 month T-bills for a money market fund. I can't think of a safer MMF than one that exclusively used such instruments. Would you rather they used commercial paper like the Reserve Fund? I guess I wasn't too clear. I am concerned about bait-and-switch. T-bills ...
by livesoft
Wed Apr 18, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to argue for S&P
Replies: 15
Views: 917

Re: How to argue for S&P

One is a multinational mid-cap growth fund and the other is a US large-cap blend fund. Cue: Mel Lindauer.
by livesoft
Wed Apr 18, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: How do you know what price to negotiate when buying a used car?
Replies: 28
Views: 1492

Re: How do you know what price to negotiate when buying a used car?

Calling all car shopper experts :moneybag ! I'm in the market for a certified 2015 Camry and need to gauge the right price to base my negotiations with the dealer. I used the Kelly Blue Book estimate but it only gives me a range and for the car that I want, the dealer's price is within the KBB rang...
by livesoft
Wed Apr 18, 2018 5:17 pm
Forum: Investing - Theory, News & General
Topic: Wellesley January Price Drop? Why?
Replies: 25
Views: 2499

Re: Wellesley January Price Drop? Why?

Wellesley performance has been underwhelming this year, compared to other funds IN IT'S CATEGORY. It's currently in the bottom 7% of all "Allocation - 30-50% equity" funds YTD according to M*. Like many close to ER, I have sizable investments in Wellesley and have always considered it my "sleep wel...
by livesoft
Wed Apr 18, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Are you keeping more in cash?
Replies: 31
Views: 4053

Re: Are you keeping more in cash?

No cash. I still hate cash. But I don't mind something like 1-3 month T bills for some market timing purposes.
by livesoft
Wed Apr 18, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: How do you know what price to negotiate when buying a used car?
Replies: 28
Views: 1492

Re: How do you know what price to negotiate when buying a used car?

Oh, another thought: If you try to negotiate to a low price and never close the deal, then you can pretty well know that your low price is probably too low. So I would suggest that you have many failures and not be bothered by them at all. Then you will really know what price to negotiate to.
by livesoft
Wed Apr 18, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale Rule - Purchase Before Sale
Replies: 7
Views: 290

Re: Wash Sale Rule - Purchase Before Sale

I will construct a scenario where one can have a good wash sale, but avoiding the wash sale would hurt you. 1. Buy Vanguard Total Stock Market last year and pay $140 a share for VTI. 2. VTI drops to $100 a share, so you have choice: a. Buy more to rebalance, or b. Tax--loss harvest and buy VV (large...
by livesoft
Wed Apr 18, 2018 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale Rule - Purchase Before Sale
Replies: 7
Views: 290

Re: Wash Sale Rule - Purchase Before Sale

Yes, yes, and sort-of yes. You will have a wash sale for the one share. The One unsold share will have its cost basis adjusted. So if you sold that one share a day (or anytime later), then it will have a different line on your Form 1040 Schedule D / Form 8949 where any gain/loss with the new basis w...
by livesoft
Wed Apr 18, 2018 3:21 pm
Forum: Investing - Theory, News & General
Topic: Short-Term Investment Options for a Rising-Rate, Volatile-Market Environment
Replies: 4
Views: 444

Re: Short-Term Investment Options for a Rising-Rate, Volatile-Market Environment

Seems like this article is about 30 to 60 days late. I already own T-bills and "floaters" and short-term bonds. Since total US bond has dropped in price, I now prefer to buy it than the things mentioned in the Schwab article. If we chart the "growth of" Total US Bond (BND), T-bills (BIL), floaters (...
by livesoft
Wed Apr 18, 2018 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Bond allocation for taxable accounts
Replies: 5
Views: 556

Re: Bond allocation for taxable accounts

At 22%, you are in a tax bracket where tax-exempt muni bonds don't make much sense for you. So BND is probably OK if you insist on having bonds in taxable. You can always save on taxes by finding something that pays out a lower interest or dividend, but do you really want to have less money after ta...
by livesoft
Wed Apr 18, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for non-retirement funds in light of looming college bills
Replies: 8
Views: 500

Re: Strategy for non-retirement funds in light of looming college bills

We had college expenses over many years with our kids. We considered all our money as eligible to pay for college, so we did NOT have an asset allocation separate for each child. For instance, when our oldest was in college, we were happy to have quite a lot of equities. That was terrible around 200...
by livesoft
Wed Apr 18, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: How do you know what price to negotiate when buying a used car?
Replies: 28
Views: 1492

Re: How do you know what price to negotiate when buying a used car?

I look across the nation for the actual sales prices of similar cars. So for a Certified pre-owned car, I usually start offering at least 20% below asking price and expect to pay lower than 15% off original asking price of the used car at a dealer. And watch out that they show the car with one set o...
by livesoft
Wed Apr 18, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: Lack of FDIC Insurance a big deal?
Replies: 39
Views: 2918

Re: Lack of FDIC Insurance a big deal?

I am OK with Vanguard Prime Money Market, but not necessarily with MM funds from other vendors. Furthermore, I am suspicious of other vendors who might use 1-3 month T-bills for their MM funds nowadays, but might switch to something else to bail out another part of the company in a crisis. But at th...
by livesoft
Wed Apr 18, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Planning a week in Yellowstone 2019
Replies: 6
Views: 598

Re: Planning a week in Yellowstone 2019

We went for about 10 days in September. It snowed one day. I think September will be great. After Labor Day when school has started, the tourists are mostly the Nearly Dead and the Newly Wed. Forest fires could close huge sections of the Park and also Roads. We stayed in Jackson, Colter Bay, and in ...
by livesoft
Wed Apr 18, 2018 9:46 am
Forum: Investing - Help with Personal Investments
Topic: TLH question
Replies: 3
Views: 286

Re: TLH question

aristotelian wrote:
Wed Apr 18, 2018 8:28 am
Yes, you can absolutely buy more of B. You would have to wait 30 days to buy more of A.
Count carefully and watch the nuance of the English language. You have wait until after 30 days which might also be stated as "wait 31 days to buy more of A."
by livesoft
Wed Apr 18, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: How do I properly calculate taxable yield for Vanguard Municipal Money Market?
Replies: 9
Views: 473

Re: How do I properly calculate taxable yield for Vanguard Municipal Money Market?

I've always disliked that places bump up the yield of tax-exempt things to make it look better. I prefer to bump down the yield of taxable things to show me what I'm really getting to invest and/or spend.
by livesoft
Wed Apr 18, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 99
Views: 9325

Re: Quitting job - what to do if getting walked to the door

Presumably one has already cleaned up any personal stuff on company computers and cell phones. Also one should have the contact information of everybody that you want to keep in contact with.
by livesoft
Wed Apr 18, 2018 6:21 am
Forum: Investing - Theory, News & General
Topic: Angel investor breakfast
Replies: 19
Views: 2147

Re: Angel investor breakfast

Did this breakfast conversation cover about any of the failures and losses? I have found that usually they are much more interesting than the successes.
by livesoft
Tue Apr 17, 2018 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Weighted Expense Ratio Calculator
Replies: 7
Views: 624

Re: Weighted Expense Ratio Calculator

Vanguard Portfolio Watch will do this for you. So will M* Portfolio X-ray.

See : viewtopic.php?t=150267
by livesoft
Tue Apr 17, 2018 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds vs. Fixed/Guaranteed Income
Replies: 21
Views: 1830

Re: Bonds vs. Fixed/Guaranteed Income

One doesn't really have to decide because no decision is "all-or-nothing." For instance, the majority of my fixed income assets are in Total US Bond Index funds, but I have some in a 3% stable value fund, and some in T-bills. Now if you ask how to decide how to split things up, I don't think it real...
by livesoft
Tue Apr 17, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: Is c10-30 Alkyl Acrylate Crosspolymer an Environmental Pollutant?
Replies: 7
Views: 475

Re: Is c10-30 Alkyl Acrylate Crosspolymer an Environmental Pollutant?

Canada To Measure Marijuana Use By Testing Sewage
Statistics Canada has begun to do city-scale drug screening by monitoring what Canadians flush down the toilet.
by livesoft
Tue Apr 17, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Is c10-30 Alkyl Acrylate Crosspolymer an Environmental Pollutant?
Replies: 7
Views: 475

Re: Is c10-30 Alkyl Acrylate Crosspolymer an Environmental Pollutant?

\What ingredient(s) should I seek to avoid to ensure that I do not purchase a product with microbes? Microbes are everywhere. I would guess the only products without microbes are those labeled "Sterile", but all the packaging and your fingers will have microbes on them. I would say that "c10-30 alk...
by livesoft
Tue Apr 17, 2018 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - doing the 3-funds with a tilt
Replies: 16
Views: 963

Re: Portfolio review - doing the 3-funds with a tilt

I'm not a fan of REITs at this point in time. One has to be careful of "skating to where the puck was" and following the advice of old books. I don't think owning REITs will kill your portfolio here, but I'm still sticking to my opinion. For tilts, I like the simplified ultimate buy-and-hold nowaday...
by livesoft
Tue Apr 17, 2018 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - doing the 3-funds with a tilt
Replies: 16
Views: 963

Re: Portfolio review - doing the 3-funds with a tilt

RamblinDoc wrote:
Tue Apr 17, 2018 6:34 pm
Good question - as a side note, I've often wondered if some military members say they are "from" a state with no state income tax while they are in the military... Who knows...
I'm very very familiar with one family that did that. So you have Texas plates on your car? :)
by livesoft
Tue Apr 17, 2018 6:34 pm
Forum: Investing - Theory, News & General
Topic: Wellesley January Price Drop? Why?
Replies: 25
Views: 2499

Re: Wellesley January Price Drop? Why?

Bonds. Simply bonds. Probably also confounded by the big run-up in January beyond all expectations. You do know the stock market dropped about 10% in those days, right?