Search found 55687 matches

by livesoft
Mon Sep 25, 2017 4:35 am
Forum: Investing - Help with Personal Investments
Topic: Bonds & Bond ETFs
Replies: 1
Views: 119

Re: Bonds & Bond ETFs

I invest in bond ETFs and bond funds. I have narrowed down my choices to 3 very similar intermediate-term bond ETFs/funds and one single short-term bond ETF/fund. The only useful web site for me is morningstar.com because I use the charting feature there to decide when to place trades. There is real...
by livesoft
Mon Sep 25, 2017 4:24 am
Forum: Personal Finance (Not Investing)
Topic: Best Place to Start Taxable Investing? Same or Different than IRAs?
Replies: 2
Views: 169

Re: Best Place to Start Taxable Investing? Same or Different than IRAs?

There are NO benefits to Vanguard Select and Flagship, so I can say the answer to your question #2 is Yes.

In your case, since you are familiar with Fidelity, then you should open a joint taxable account at Fidelity. If you don't like it, then you can always switch.
by livesoft
Sun Sep 24, 2017 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: help with 401K, high fees and commissions
Replies: 2
Views: 147

Re: help with 401K, high fees and commissions

The expense ratios / fees do not seem to be terribly high. My spouse had a plan with 2% fees. I suggest that your wife max out her 401(k) contribuitons.

Does her plan have a loan provision? If so, how does it work?
by livesoft
Sun Sep 24, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Just Need Encouragement to Stick with TSP G Fund over F Fund
Replies: 14
Views: 943

Re: Just Need Encouragement to Stick with TSP G Fund over F Fund

I was just evaluating today my own "stable value" fund, namely the TIAA Traditional Annuity that I have in the portfolio. It is my worst performer year-to-date. Next worst is TIAA Real Estate Account. My bond funds and even my small-cap value funds have done better than these TIAA products and bette...
by livesoft
Sun Sep 24, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 54
Views: 2492

Re: Bogleheads monthly costs of dog ownership?

Anyone else here have dog at home all day while working? One frustrating thing to me is rescues expect homeowners to somehow "be at home all day". Unless retired or work from home, just not realistic. Last I checked they are in kennel at rescue center. Our dog stayed home all day by himself when we...
by livesoft
Sun Sep 24, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 23194

Re: Calling out the not so rich bogleheads

^Yes, indeed. If I had learned about careers, investing, saving, car buying, home buying, having children, and paying for college only from my 30-something cohorts back in the day, then I would probably be up to my eyeballs in debt still today.
by livesoft
Sun Sep 24, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: 28 Year Old having a Crisis, how am I doing?
Replies: 13
Views: 1129

Re: 28 Year Old having a Crisis, how am I doing?

Sounds like you are doing much better at age 28 than my spouse and I were doing. Everybody's life is different and you have to live your own life. I don't see any insurmountable issues based on your short post, but I don't know you really.
by livesoft
Sun Sep 24, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 23194

Re: Calling out the not so rich bogleheads

I think many of the high net worth folks that are posting used to be low net worth folks and also had low incomes when they were younger. That is, they were "not so rich" earlier in their lives.
by livesoft
Sun Sep 24, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: The cost of walking el Camino de Santiago
Replies: 112
Views: 20779

Re: The cost of walking el Camino de Santiago

She spent a lot of time in Spain, but was only on the Camino for about 8 days ending in Santiago.
by livesoft
Sun Sep 24, 2017 8:51 am
Forum: Investing - Theory, News & General
Topic: Bond funds and stock funds, which one is riskier?
Replies: 23
Views: 1379

Re: Bond funds and stock funds, which one is riskier?

To justify owning a bond fund in a rising interest environment: For a bond fund with 5 year duration, e.g., if the interest rises 1%, the value of the bond fund decreases 5%. But if you hold the fund for 5 years, you get it even since the fund pays a higher interest rate. I think the above premise ...
by livesoft
Sun Sep 24, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: The right offer on a home
Replies: 10
Views: 902

Re: The right offer on a home

I think the home is worthless. You can get comps for the land. You are buying it for the land anyways. I suppose the owner wants one of the adjacent horse farms to buy it.
by livesoft
Sun Sep 24, 2017 2:31 am
Forum: Investing - Help with Personal Investments
Topic: Are all investments compound interest?
Replies: 16
Views: 1131

Re: Are all investments compound interest?

The reported rate is an annualized rate if it says it is an annualized rate.
by livesoft
Sun Sep 24, 2017 2:18 am
Forum: Investing - Help with Personal Investments
Topic: Are all investments compound interest?
Replies: 16
Views: 1131

Re: Are all investments compound interest?

Here is a wiki article: https://www.bogleheads.org/wiki/Percent ... n_and_loss

No, all investments do not compound interest.
by livesoft
Sat Sep 23, 2017 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay ZERO taxes in retirement with 6-figure expenses
Replies: 174
Views: 87970

Re: How to pay ZERO taxes in retirement with 6-figure expenses

^I'm not sure what you mean. I don't pay zero taxes today. I prefer to make Roth conversions up to the top of the 15% marginal income tax bracket and my spouse works full-time. We certainly have more in our portfolio than the starting point of this thread almost 6 years ago.
by livesoft
Sat Sep 23, 2017 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Just Need Encouragement to Stick with TSP G Fund over F Fund
Replies: 14
Views: 943

Re: Just Need Encouragement to Stick with TSP G Fund over F Fund

Normally, the reason Bogleheads like the total bond market index is that it is very well diversified. I think that's a bit presumptuous, so allow another presumptuous opinion: I think the reason Bogleheads like the total bond market index is because a few folks told them that they should like the t...
by livesoft
Sat Sep 23, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: When does whole life make sense ?
Replies: 8
Views: 687

Re: When does whole life make sense ?

It sure reads that you will be leaving a legacy for your children. First, you have life insurance when you think your portfolio isn't legacy-worthy. Second, your portfolio has 30 years to become legacy-worthy (or whatever is the number of years remaining on your 30-year term life). Third, it looks l...
by livesoft
Sat Sep 23, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 72
Views: 5500

Re: Help?! My 70 year old father is 100% invested in equities

You could offer to calculate the annual performance (or over any 2 dates) for the portfolio that you dad has by using XIRR(), Quicken, or MS Money. You would need to know the transaction information which he may not give you. Then if his portfolio does better than say Total Stock Market, he should b...
by livesoft
Sat Sep 23, 2017 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Is it a good time to buy Apple Stock on 9/23?
Replies: 17
Views: 1422

Re: Is it a good time to buy Apple Stock on 9/23?

If you don't mind losing money, I don't see why you don't buy 100 shares of AAPL, but $100,000 worth without any prior experience with stocks: I don't think so.

Full disclosure: I would not bother to own a single stock anymore.
by livesoft
Sat Sep 23, 2017 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: REBALNCE: TLH partner, BONDs
Replies: 7
Views: 252

Re: REBALNCE: TLH partner, BONDs

Yes, it is funny. I wouldn't use a SV fund unless the yield was at least 2.5% annually.
by livesoft
Sat Sep 23, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: REBALNCE: TLH partner, BONDs
Replies: 7
Views: 252

Re: REBALNCE: TLH partner, BONDs

Your stable value fund is up less than 1% YTD, so I think it is a loser of a stable value fund. I would take the risk and use a bond fund. The YTD of the bond fund that you reported looks suspiciously low, so it is probably not really YTD, so what is it? First 6-months?
by livesoft
Sat Sep 23, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: REBALNCE: TLH partner, BONDs
Replies: 7
Views: 252

Re: REBALNCE: TLH partner, BONDs

My thoughts are that your post is way, way, way, way, way too difficult to decipher. You got colors and CAPS and dashes and different font sizes and other things. Sorry, but them's my thoughts.
by livesoft
Sat Sep 23, 2017 7:05 pm
Forum: Investing - Theory, News & General
Topic: a really beginner question [Why are the fund prices different?]
Replies: 11
Views: 1111

Re: a really beginner question [Why are the fund prices different?]

One share class is like alanine, but another share class is like Ala-Ala, and another share class might even be a tripeptide.
by livesoft
Sat Sep 23, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 19
Views: 2073

Re: Toilet Woes

neilpilot wrote:
Sat Sep 23, 2017 5:15 pm
Fine, but do you really think that the OP's newly installed fill valve, that didn't correct the issue, is the problem?
Yes, if it was installed incorrectly (i.e. the same way) twice.
by livesoft
Sat Sep 23, 2017 6:44 pm
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 77
Views: 5578

Re: Lifestyle Creep

Avoided the 3-car lifestyle creep when our 2 kids became drivers. I walked, rode my bike, or didn't go. Or we arranged schedules and "car-pooled." By that I mean that my teen-age son had to get up early and take my spouse to work at 7 am, if he wanted a car any time before 5 pm. Always avoided hirin...
by livesoft
Sat Sep 23, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: BP monitor inaccurate–how to recalibrate? Or replace with which brand?
Replies: 10
Views: 467

Re: BP monitor inaccurate–how to recalibrate? Or replace with which brand?

As someone who has done hundreds of BP measurements with a stethoscope and Hg doo-dad or other pressure gauge, just releasing the pressure at a different rate relative to heart rate could give wildly different numbers. For instance, my resting heart rate is around 40, so by the time a heart beat is ...
by livesoft
Sat Sep 23, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: BP monitor inaccurate–how to recalibrate? Or replace with which brand?
Replies: 10
Views: 467

Re: BP monitor inaccurate–how to recalibrate? Or replace with which brand?

teacher wrote:
Sat Sep 23, 2017 2:51 pm
Ten to twenty points higher could indicate medication.
Better start eating lots of chocolate before your measurement periods then.
by livesoft
Sat Sep 23, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: The cost of walking el Camino de Santiago
Replies: 112
Views: 20779

Re: The cost of walking el Camino de Santiago

My spouse said she spent about 200 euros a day in May 2016 and stayed in the some very fine hotels which were reached by being picked up from the Camino by her guide in a van. The next morning she was deposited by the van to about the same place. She only needed a fanny pack and a water bottle while...
by livesoft
Sat Sep 23, 2017 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Large inheritance -questions to ask potential advisors
Replies: 27
Views: 2301

Re: Large inheritance -questions to ask potential advisors

In a one time consultation, a CPA could explain to him capital gains tax brackets, RMDs (if any of the funds are in an IRA), taxes on ordinary dividends vs tax exempt muni bonds, strategies to shelter the funds in his own IRA or 529 accounts, etc. I suppose that is true, but the internet is not bro...
by livesoft
Sat Sep 23, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 19
Views: 2073

Re: Toilet Woes

Your description sounds like it has absolutely nothing to do with the toilet bowl.

Here's a tip: Pretend you are a water molecule. What are you doing when someone flushes the toilet? You can pretend you start in the feed pipe and anywhere along the path to the sewer.
by livesoft
Sat Sep 23, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: BP monitor inaccurate–how to recalibrate? Or replace with which brand?
Replies: 10
Views: 467

Re: BP monitor inaccurate–how to recalibrate? Or replace with which brand?

I cannot imagine that any external method of measuring blood pressure is accurate or precise to 4 units. I would even wonder how it was determined that the "Kaiser" measurements were accurate and/or precise. But fortunately, I don't think anyone needs to know what their blood pressure is to within b...
by livesoft
Sat Sep 23, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Anyone used Amazon to buy household goods
Replies: 26
Views: 1705

Re: Anyone used Amazon to buy household goods

I think retail stores know that people do shop online, so they have lowered their sale prices on household goods. We don't buy enough household goods to worry about it. For instance, I just bought some shampoo at Walmart because I was in there for something else. My last shampoo lasted 1.5 years. We...
by livesoft
Sat Sep 23, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 54
Views: 2492

Re: Bogleheads monthly costs of dog ownership?

But we have a sheltie with a thick coat, and grooming her (particularly drying her) can take over an hour. Yes, but some shelties groom themselves because the outer and inner coats are proportional. Just a little brushing and one is all set. From another thread, this dog is 11-12 years old: http://...
by livesoft
Sat Sep 23, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Why use a REIT over a rental property?
Replies: 18
Views: 1037

Re: Why use a REIT over a rental property?

haha touche My current holding in a REIT fund is zero (0%) of portfolio. My IPS says I can own 0% to 10%. I will buy REIT fund shares on a day that it drops at least 2.5% and a few other days. I will sell REIT fund shares on other days. I like to own it when it has a good chance of going up. I don'...
by livesoft
Sat Sep 23, 2017 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Help with asset location
Replies: 10
Views: 641

Re: Help with asset location

I think your tax-efficiency is great. By fund percentages, most folks don't have 300% of their portfolio in a Roth IRA. I see what you mean, but it isn't the way things are normally presented. I suggest never selling for a taxable gain in your taxable account, but instead selling only for a loss. Se...
by livesoft
Sat Sep 23, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Why use a REIT over a rental property?
Replies: 18
Views: 1037

Re: Why use a REIT over a rental property?

jb1 wrote:
Sat Sep 23, 2017 11:37 am
Why would REIT not be buy and hold?
Because
Its extremely volatile, one housing bubble and can drop 50-75%. All for a 4% dividend? I have 8k in it.
by livesoft
Sat Sep 23, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Why use a REIT over a rental property?
Replies: 18
Views: 1037

Re: Why use a REIT over a rental property?

1. REIT fund does not require me to be a landlord. 2. It is trivial to notice that REIT fund has dropped and needs rebalancing. 3. It is trivial to notice that REIT fund has gone way up and needs rebalancing. 4. It is trivial to then do that rebalancing. If you are buy-and-hold, then a REIT fund is ...
by livesoft
Sat Sep 23, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Shorter holds on funds movement
Replies: 3
Views: 208

Re: Shorter holds on funds movement

From a bank account, the hold should be essentially zero. One should be able to specify their bank account for "Where is the money coming from?" instead of the Fed MM account. To a bank account, the settlement time for funds has been a day, but stocks and ETFs has switched from 3 days to 2 days, but...
by livesoft
Sat Sep 23, 2017 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 72
Views: 5500

Re: Help?! My 70 year old father is 100% invested in equities

I keep thinking that I just saw a thread on another forum: Help?! My 35 year old kid is only 80% invested in equites. From what I've read on this board and in books, a 80% AA for a 35-year old is crazy. Am I nuts, or is the 80% AA insane? My kid just seems to care too much for bonds. Any advice on b...
by livesoft
Sat Sep 23, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 54
Views: 2492

Re: Bogleheads monthly costs of dog ownership?

We got our dog from a rescue organization. He is minimal maintenance, maybe $600 a year all in. But we don't do things that many other dog owners do. For instance: No grooming, we bathe him ourselves or the dog bathes himself. No boarding. Neighbors love, Love, LOVE to take care of him. Dog has been...
by livesoft
Sat Sep 23, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 54
Views: 2492

Re: Bogleheads monthly costs of dog ownership?

While waiting for more responses, please read this entire thread on the subject from about a year ago:
viewtopic.php?t=197622
by livesoft
Sat Sep 23, 2017 9:44 am
Forum: Investing - Help with Personal Investments
Topic: the tax efficiency conundrum
Replies: 7
Views: 723

Re: the tax efficiency conundrum

I try to have less than $10 reported on my Form 1040 Schedule B in the top half. Therefore, I don't use CDs, savings account, etc in my taxable assets. I have no conundrum. It is amusing to me that folks would love to have an Ally high-yield savings paying 7%, but they won't realize a short-term gai...
by livesoft
Sat Sep 23, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Just Need Encouragement to Stick with TSP G Fund over F Fund
Replies: 14
Views: 943

Re: Just Need Encouragement to Stick with TSP G Fund over F Fund

The returns you reported for the F fund seem inconsistent with a total bond index fund, so what dates were used for those numbers, backwards from 9/22/2017 or 8/31/2017 or something else?

Edit: I see fund returns that you reported are backwards from 12/31/2016, so not useful.
by livesoft
Sat Sep 23, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Just Need Encouragement to Stick with TSP G Fund over F Fund
Replies: 14
Views: 943

Re: Just Need Encouragement to Stick with TSP G Fund over F Fund

What are the total returns of these 2 funds for YTD, 1-, 3-, 5-years?
by livesoft
Sat Sep 23, 2017 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Paid off my student loans. 29 and looking for retirement/downpayment saving advice
Replies: 4
Views: 385

Re: Paid off my student loans. 29 and looking for retirement/downpayment saving advice

lionthens wrote:
Sat Sep 23, 2017 8:28 am
,,,, contribute the max 401k (minus anticipated company contribution),
Your max legal 401(k) contribution is unaffected by any company contribution, so your "minus" can be changed to "plus."
by livesoft
Sat Sep 23, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard college calculator and some questions
Replies: 16
Views: 749

Re: Vanguard college calculator and some questions

am wrote:
Sat Sep 23, 2017 8:45 am
I hesitate to save more than 20k year for college in a 529 because ....
OK, nothing wrong with saving / investing in a taxable account. By the time kids are in college your taxable account will be growing each year by the full 4-year cost of a private elite university undergraduate degree.
by livesoft
Sat Sep 23, 2017 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Roth conversion conundrum
Replies: 5
Views: 514

Re: Roth conversion conundrum

Ace1 wrote:
Fri Sep 22, 2017 9:35 pm
is there anything to be gained by doing larger conversions into the 25% bracket now and before drawing social security?
Maybe. See viewtopic.php?f=1&t=228057 from yesterday
and run the calculators and spreadsheets suggested.
by livesoft
Sat Sep 23, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: Finding a Driver
Replies: 16
Views: 1649

Re: Finding a Driver

My neighbor asks pizza / take-out delivery drivers and neighborhood teenagers to drive.

There is also car pooling since your parents are going to meet others.
by livesoft
Sat Sep 23, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard college calculator and some questions
Replies: 16
Views: 749

Re: Vanguard college calculator and some questions

This is often discussed and the answer hasn't changed.

We did cash-flow, selling investments, tax credits, students worked, but not loans of any kind, except a 401(k) loan to get lower expenses in a 529 plan.
by livesoft
Sat Sep 23, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: Hurricane Harvey has me rethinking my approach to disaster preparations
Replies: 72
Views: 6051

Re: Hurricane Harvey has me rethinking my approach to disaster preparations

Imagine you are in Puerto Rico right now. What do you think you are doing? Waiting for the cavalry to come? The cavalry ain't coming. At least not anytime soon.