Search found 56078 matches

by livesoft
Mon Oct 23, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: External Flash "reverse" vignetting?
Replies: 7
Views: 319

Re: External Flash "reverse" vignetting?

So a photo showing this would be great.
by livesoft
Mon Oct 23, 2017 9:37 am
Forum: Investing - Theory, News & General
Topic: Splitting AA across account types
Replies: 4
Views: 259

Re: Splitting AA across account types

My taxes are so close to zero that I don't have to make a distinction to adjust allocation due to taxes.

But there is a wiki article about that:
https://www.bogleheads.org/wiki/Tax-adj ... allocation
by livesoft
Mon Oct 23, 2017 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Automatic Monthly Schwab Distributions
Replies: 5
Views: 231

Re: Automatic Monthly Schwab Distributions

The OP is NOT asking about auto-contributing in a period way, but in auto-withdrawing in a periodic way.
by livesoft
Mon Oct 23, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: Cold feet
Replies: 16
Views: 915

Re: Cold feet

Down or synthetic fill booties. When snow camping, these are quite comfy, so should be fine at home for you.
by livesoft
Mon Oct 23, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: External Flash "reverse" vignetting?
Replies: 7
Views: 319

Re: External Flash "reverse" vignetting?

I would have to see a photo of what you mean. Speedlites and flash attachments have internal lenses and reflectors that the light is focussed and spread from. Light from a point (say the flash) will fall off in intensity as the square of the distance. Thus by definition: Light in the corners of phot...
by livesoft
Sun Oct 22, 2017 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Annual Portfolio Review, and Questions
Replies: 7
Views: 721

Re: Annual Portfolio Review, and Questions

This is something I debated when I first tilted towards small caps. Can you share your logic? Non-qualified dividends makes VSS / VFSVX create too much taxes for me. Can you help answer these questions: Relative tax efficiency thread w/ spreadsheet: https://www.bogleheads.org/forum/viewtopic.php?t=...
by livesoft
Sun Oct 22, 2017 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Annual Portfolio Review, and Questions
Replies: 7
Views: 721

Re: Annual Portfolio Review, and Questions

I own both VFSVX and VSS. Combined, they have the highest percentage allocation in my portfolio. I use VFSVX in accounts with relatively low total dollars and it is the one single investment in those accounts. These accounts are separate Roth IRAs. I have dividends automatically reinvested in order ...
by livesoft
Sun Oct 22, 2017 6:20 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance with large capital gain
Replies: 13
Views: 1222

Re: Rebalance with large capital gain

Move out of your high tax state before selling to a no-tax state and save ~10% tax on your capital gains.
by livesoft
Sat Oct 21, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: Desperate to get rid of mosquitoes, what else could we try?
Replies: 62
Views: 4046

Re: Desperate to get rid of mosquitoes, what else could we try?

Looking at the canister, the active ingredient is "sodium chloride". In active ingredients are yeast and sucrose. So I guess the yeast ferments and emits CO2 to attract the skeeter, the sugar baits them, and then the salt water either kills them or causes them to be unable to breed? I don't know if...
by livesoft
Sat Oct 21, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Best no sweat athletic/work socks
Replies: 27
Views: 1650

Re: Best no sweat athletic/work socks

Lots of sock threads at bogleheads.org .... I wear acrylic socks. Gold-toe is an inexpensive brand found many places. I get mine at Kohls. Acrylic is soft and has wool-like properties. It does not hold water like cotton. One can just toss the socks in the washer and dryer without worries. Wash hot, ...
by livesoft
Thu Oct 19, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Help with PR emergency prep: Water filter, Propane stove, etc.
Replies: 46
Views: 2716

Re: Help with PR emergency prep: Water filter, Propane stove, etc.

The power bank is just another way to charge a phone, batteries, and small electronics that use batteries such as cameras. It is not really for running motors like a fan. As for SteriPEN, the kit I mentioned earlier comes with a 4 liter water bag and orients the SteriPEN properly for most effective ...
by livesoft
Thu Oct 19, 2017 10:52 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 336
Views: 18055

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

nps wrote:
Thu Oct 19, 2017 10:48 am
All of them?

Current quote on SPTM is 31.73 bid, 31.74 ask, .01% premium

VTI is 131.31, 131.32, .02% premium
1 cent of 31.74 is 0.03% spread
1 cent of 131.32 is 0.008% spread

And yes, I know "premium" is something different from "bid/ask spread."

Anyways, one shouldn't pay the full spread.
by livesoft
Thu Oct 19, 2017 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Relationship Between Price of VFIAX and S&P 500 Level
Replies: 5
Views: 408

Re: Relationship Between Price of VFIAX and S&P 500 Level

You may not get the closing price, but you get the closing value which reflects all the dividends paid by the stocks held in the S&P500 that day minus all the costs of running the fund for that day. So since the daily expenses are small and most days the amount of dividends is small, the relationshi...
by livesoft
Wed Oct 18, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: Help with PR emergency prep: Water filter, Propane stove, etc.
Replies: 46
Views: 2716

Re: Help with PR emergency prep: Water filter, Propane stove, etc.

For folks using the SteriPEN which uses UV light to damage the DNA of organisms in the water, so that the organisms are no longer infectious, it is worthwhile to read the scientific evaluation on how to use them by an independent study: http://www.sciencedirect.com/science/article/pii/S1477893915001...
by livesoft
Wed Oct 18, 2017 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting in shared brokerage account?
Replies: 6
Views: 474

Re: Tax loss harvesting in shared brokerage account?

Is there a way to "wash off" this gain on MY brokerage account with some of our losses from OUR shared brokerage account? Does it matter at all as the whole thing is “under one umbrella” with Vanguard anyway? Anything else I (we) should do to try and minimize the tax ax? Thanks! Yes, file a tax-ret...
by livesoft
Wed Oct 18, 2017 6:14 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 336
Views: 18055

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

serbeer wrote:
Wed Oct 18, 2017 3:24 pm
Were you grandfathered into comission-free WellsTrade trades PMA offer they no longer have?
Yes, of course. I think for others a trade costs $2.95 if one has reasonable balances.
by livesoft
Wed Oct 18, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Help with PR emergency prep: Water filter, Propane stove, etc.
Replies: 46
Views: 2716

Re: Help with PR emergency prep: Water filter, Propane stove, etc.

Let's say the water is on but we're worried about possible e.coli. So, he filters drinking water. What about showering? No biggie? People swim in pools and lakes with microorganisms in those bodies of water all the time. Sure, some folks get infected, but that's not much of a problem except for the...
by livesoft
Wed Oct 18, 2017 9:21 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 336
Views: 18055

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Anyone planning to leave TD Ameritrade because of this? If you are planning to leave where will you be going? I will have to see what TDAmeritrade does for me. First, I have a taxable account of ETFs that will leave the no-commission list that I simply don't make trades in. The dividends go to my c...
by livesoft
Wed Oct 18, 2017 9:02 am
Forum: Investing - Theory, News & General
Topic: Odds against Renaissance Medallion Fund if Efficient Markets Hypothesis is valid?
Replies: 18
Views: 1274

Re: Odds against Renaissance Medallion Fund if Efficient Markets Hypothesis is valid?

Ha! Ha!

Human beings can be taken advantage of. That's how Renaissance Technologies makes its money. I don't think how they make money has much to do with the Efficient Markets Hypothesis.
by livesoft
Tue Oct 17, 2017 11:22 pm
Forum: Personal Consumer Issues
Topic: Help with PR emergency prep: Water filter, Propane stove, etc.
Replies: 46
Views: 2716

Re: Help with PR emergency prep: Water filter, Propane stove, etc.

I'd take an Anker solar charger. I'd take any adapter to be able to charge AA batteries. I'd get a separate Anker battery bank. I'd take a UV pen (SteriPen) to disinfect water. I doubt one would need to filter out dirt at this stage in PR. I'd use the SteriPen Rapid Pure Water Purifier Set (see REI....
by livesoft
Tue Oct 17, 2017 6:15 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 336
Views: 18055

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

I must confess, I'm a little surprised by the strength of many people's reaction to this. But we know that folks hate a losing something more than they love getting something new. So removing something that folks already have is not commensurate with giving them something they don't have. VictoriaF...
by livesoft
Tue Oct 17, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Best way to make some dollars on a 10 day vacation?
Replies: 57
Views: 5092

Re: Best way to make some dollars on a 10 day vacation?

I know people who rent out their home via AirBNB when they go on vacation.
by livesoft
Tue Oct 17, 2017 10:33 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 336
Views: 18055

Re: TD Ameritrade - changes in free ETF options

duplicate thread. There are 2 other threads discussing TDAmeritrade right now.
by livesoft
Tue Oct 17, 2017 10:31 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 336
Views: 18055

Re: Fellow TDA bogleheads

Btw, I sure many people on this board done in-kind account tranfers before, so what happens to all the account history, including cost basis. Does any of it moves as well, or must I save years-worth of account statements and calculate the basis myself after the move? It should all move seamlessly t...
by livesoft
Tue Oct 17, 2017 7:07 am
Forum: Investing - Help with Personal Investments
Topic: Alternative to Vanguard PAS (dreadful service)
Replies: 16
Views: 1575

Re: Alternative to Vanguard PAS (dreadful service)

It doesn't seem this person ever was a Vanguard PAS client. The money never got to Vanguard. This thread seems to be more a critique of Vanguard's Onboarding process.
by livesoft
Mon Oct 16, 2017 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Sell fund cost basis
Replies: 10
Views: 751

Re: Sell fund cost basis

When one uses Average Basis, the shares sold are the first shares in. That is, Average Basis forces FIFO. So there is Average Basis FIFO and Specific ID FIFO. There is also "I forgot to set the basis method" FIFO where one can choose at the time they fill out their tax return the basis method. To an...
by livesoft
Mon Oct 16, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: college application section - ec,volunteer,work activities
Replies: 10
Views: 731

Re: college application section - ec,volunteer,work activities

Yes, there are selective schools, but most schools are not particularly selective and accept more than half the applicants. Potential students certainly self-select where they apply.
by livesoft
Mon Oct 16, 2017 9:16 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 336
Views: 18055

Re: Fellow TDA bogleheads

It looks like I'll be transferring assets in-kind out of TDAmeritrade. They have one ETF on the list that has an Average Daily Volume of 57. That's not 5700, it is fifty-seven shares.
by livesoft
Mon Oct 16, 2017 3:51 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard's federal ID number for 1099R that hasn't arrived yet
Replies: 6
Views: 437

Re: Vanguard's federal ID number for 1099R that hasn't arrived yet

I don't think Form 1040 needs their tax ID number. Maybe the software wants it, but I don't think the software will submit the number with your tax return, will it? Contact your tax software customer support.
by livesoft
Sun Oct 15, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: college application section - ec,volunteer,work activities
Replies: 10
Views: 731

Re: college application section - ec,volunteer,work activities

The reality is that most colleges don't really care about EC or other activities. They want your money and will take anybody with a suitable SAT score confirmed by GPA. I wouldn't stress too much about this at all. Colleges also know that if the student is working full-time flipping burgers that the...
by livesoft
Sun Oct 15, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 106
Views: 6442

Re: How does everyone keep track of your portfolio?

. I always heard MS money was great, but a dead program. I've also heard quick books is good but the Mac version is not good. One particular calculation that's important to me is XIRR or modified internal rate of return. I haven't found anything yet that does this properly. MS Money is not dead, bu...
by livesoft
Sun Oct 15, 2017 3:50 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 336
Views: 18055

Re: Fellow TDA bogleheads

I haven't seen anything on this, but if it comes to pass, I will probably a. Use the no-commission ETFs that are available. I already use some non-Vanguard ETFs. b. Transfer in-kind assets to my other no-commission brokers as needed to sell shares without commissions. c. Or even perhaps pay the once...
by livesoft
Sun Oct 15, 2017 2:19 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 106
Views: 6442

Re: How does everyone keep track of your portfolio?

I don't make very many transactions and don't own many different investments, thus I do not find manual entry a bother at all. So I use the free Microsoft Money Sunset Deluxe edition and manually enter information. I like all the different kinds of reports that I can generate with MS Money once ever...
by livesoft
Sun Oct 15, 2017 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Do any apps or tools do this in place of spreadsheets?
Replies: 13
Views: 1233

Re: Do any apps or tools do this in place of spreadsheets?

Free MS Money that runs on Windows. Download and use the Sunset edition.
by livesoft
Sun Oct 15, 2017 5:27 am
Forum: Personal Finance (Not Investing)
Topic: Car inspection on Carmax car
Replies: 30
Views: 9212

Re: Car inspection on Carmax car

That car was a Lexus bought from a Lexus dealer. It has had only 3 oil changes and a set of new tires. I have not been back to the dealer since I bought the car.
by livesoft
Sun Oct 15, 2017 5:25 am
Forum: Investing - Theory, News & General
Topic: Does market timing matter for long term investing?
Replies: 11
Views: 1084

Re: Does market timing matter for long term investing?

tharsha wrote:
Sat Oct 14, 2017 11:39 am
I tried googling this but don't seem to get good advice. Thought I would post here.
If one uses the quesion:
"Invest now or wait?" (without quotes)
as the Search term in the search box at bogleheads.org, then one will get lots of good advice.
by livesoft
Sat Oct 14, 2017 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds in Taxable or tax advantaged?
Replies: 11
Views: 1001

Re: Bonds in Taxable or tax advantaged?

So if not traditional IRA, I would then use tax-exempt bonds in taxable when 401(k) is full bonds already.
by livesoft
Sat Oct 14, 2017 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds in Taxable or tax advantaged?
Replies: 11
Views: 1001

Re: Bonds in Taxable or tax advantaged?

It is not clear if "IRAs" is traditional or Roth.

For all practical purposes, a traditional IRA is tax-deferred and acts like a traditional 401(k), so bonds can go in the traditional IRA until is it full.
by livesoft
Sat Oct 14, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: Happy Consumer Story (Backpacking Tent)
Replies: 16
Views: 1270

Re: Happy Consumer Story (Backpacking Tent)

I don't think this guy has the same opinion of REI.
by livesoft
Fri Oct 13, 2017 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: wellington fund ( VWELX )
Replies: 24
Views: 2515

Re: wellington fund ( VWELX )

Yep, it could be all downhill from here. Seriously.

It is amusing how much love for W & W there is given all the index fund aficionados that hang out here.
by livesoft
Fri Oct 13, 2017 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: fidelity netbenefits
Replies: 15
Views: 2011

Re: fidelity netbenefits

The best approach is probably to click on that link I just gave and read what it says.
by livesoft
Fri Oct 13, 2017 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: wellington fund ( VWELX )
Replies: 24
Views: 2515

Re: wellington fund ( VWELX )

past performance is not indicative of future results.

Wellington has an asset allocation of about 64% equities and 36% bonds. Its performance is trailing the Target Retirement 2025 fund (also 64/36) this year by 2.25% which is relatively huge.
by livesoft
Fri Oct 13, 2017 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: fidelity netbenefits
Replies: 15
Views: 2011

Re: fidelity netbenefits

I had a Fidelity 401(k). Your plan looks great because you have access to low-expense-ratio, passively-managed index funds. If you wish to mimic a Total US Stock Market index fund instead of just a Large Cap S&P500 index fund, then you will have to add the Mid and the Small-cap index funds to your p...
by livesoft
Fri Oct 13, 2017 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with current market (voo,vti)
Replies: 48
Views: 2027

Re: Need help with current market (voo,vti)

nkotbbh wrote:
Fri Oct 13, 2017 3:01 pm
100 million that sounds nice how can I do that. I wish I had that amount right now.
Easy: Start small and start now.
by livesoft
Fri Oct 13, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: My EJ portfolio vs my Vanguard, side by side
Replies: 27
Views: 3140

Re: My EJ portfolio vs my Vanguard, side by side

I'm curious about the taxes. I suspect you didn't withdraw from either portfolio the money needed to pay the taxes on the annual distributions. Your tax returns, especially Schedule B should be enlightening. In some respects, if EJ caused you $10,000 extra annually in taxes over Vanguard, then it wa...
by livesoft
Fri Oct 13, 2017 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with current market (voo,vti)
Replies: 48
Views: 2027

Re: Need help with current market (voo,vti)

nkotbbh wrote:
Fri Oct 13, 2017 1:59 pm
Ok but yes I agree market will fluctuate but what do you think about going this route?
I'd say narrow it down to just 3 ETFs:
VTI
VXUS
BND

to start with. You can use just those up to about $100 million if you want. Or after 2 or 3 years of just those, you may wish to consider some others.
by livesoft
Fri Oct 13, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Which is the Most Tax-Efficient Method to Increase Your Cash Position?
Replies: 34
Views: 2288

Re: Which is the Most Tax-Efficient Method to Increase Your Cash Position?

Based on the information in this thread, the joer1212 should consider Tax-gain Harvesting especially in late December.
https://www.bogleheads.org/wiki/Tax_gain_harvesting

Of course, one should understand the state and local tax implications before doing this, too.
by livesoft
Fri Oct 13, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Itemized Tax Deductions
Replies: 10
Views: 575

Re: Itemized Tax Deductions

I just googled this and I saw a study where people in our tax bracket typically deduct around $6,000 in employee expenses!?!!? Is this the norm for folks? To use the standard deduction? We used the standard deduction in 2015 because we bunched in 2016. As noted, if you could have put your $12K in d...