Search found 55206 matches

by livesoft
Mon Aug 14, 2017 4:45 pm
Forum: Investing - Theory, News & General
Topic: Building A Warchest
Replies: 32
Views: 2924

Re: Building A Warchest

uberational44 wrote:
Mon Aug 14, 2017 4:43 pm
But would the gold weighting not hedge against inflation?
I guess you haven't googled for the answer to that. :twisted:
by livesoft
Mon Aug 14, 2017 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: SP500/Total Stock Market
Replies: 23
Views: 1367

Re: SP500/Total Stock Market

Ah, "The Lost Decade" google it.
by livesoft
Mon Aug 14, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 64
Views: 5903

Re: Retired Boglehead obsession with money- devil's advocate

This thread needs some music. The only question is whether you listen to Pink Floyd's Time first or Money first. Not a bad album with the eclipse happening soonish.
by livesoft
Mon Aug 14, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 64
Views: 5903

Re: Boglehead obsession with money- devil's advocate

My 18-year-old wife has to worry, doesn't she?
by livesoft
Mon Aug 14, 2017 2:09 pm
Forum: Investing - Theory, News & General
Topic: Building A Warchest
Replies: 32
Views: 2924

Re: Building A Warchest

Yes, it is called rebalancing. Or maybe "opportunistic rebalancing." You can decide for yourself.
by livesoft
Mon Aug 14, 2017 1:34 pm
Forum: Investing - Theory, News & General
Topic: Building A Warchest
Replies: 32
Views: 2924

Re: Building A Warchest

I say the words "warchest" with a hint of irony by the way, but to be fair irony is not known to translate on forums! I am just looking for to allocate a portion of my portfolio to something secure that I can use to pick up something I think might be undervalued. I think the greatest chance of doin...
by livesoft
Mon Aug 14, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Contributions to a non-deductible tIRA vs. taxable
Replies: 18
Views: 894

Re: Contributions to a non-deductible tIRA vs. taxable

1. Taxable brokerage invested tax-efficiently means gains are taxed at a lower rate if at all. 2. Non-deductible contributions to IRA are taxed at one's marginal higher, that is higher than a taxable brokerage account, so higher taxes. 3. Taxable brokerage contributions and withdrawals have no limit...
by livesoft
Mon Aug 14, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 51
Views: 3076

Re: How useful is a home security system?

We keep nothing of value at home. The house came with a security system which we have never used in more than 2 decades. The lead-acid battery is dead and the code was long forgotten. Can you speculate what is it about the location of your home that would make burglars target your home? Number and t...
by livesoft
Mon Aug 14, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: rollover 401 to vanguard- ira?
Replies: 3
Views: 295

Re: rollover 401 to vanguard- ira?

The old plan may pay out some matching next year, so I would be in no rush to do a rollover until all information is available which might be in 12 months --- unless 2017 is a very low income year of your family and taxes on a Roth conversion would be much lower than in the future.
by livesoft
Mon Aug 14, 2017 12:34 pm
Forum: Investing - Theory, News & General
Topic: Building A Warchest
Replies: 32
Views: 2924

Re: Building A Warchest

20% of 15% is a mere 3%. I don't think it is wise to have a portfolio with essentially worthless percentages allocated to little things. I own Total Bond and Short-term Corporate Bond funds, but they amount to about 15% each of the total portfolio. They are more than enough of a "warchest." I have n...
by livesoft
Mon Aug 14, 2017 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Do you manage your asset allocation like a Target Fund?
Replies: 20
Views: 1299

Re: Do you manage your asset allocation like a Target Fund?

No. I want an asset allocation that is heavily tilted to small-caps and to value equities with US:foreign about 50:50. Target funds don't go for that kind of asset allocation except maybe DGSIX is closer than some. However, DGSIX trails behind what I can do by myself.
by livesoft
Mon Aug 14, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: IRA Contribution Timing
Replies: 7
Views: 411

Re: IRA Contribution Timing

Why would you wait? Consider this: For the 2017 contribution, what are you going to do with the money between now and January? If you are going to put it in savings account, then you have chosen to avoid investment risk and returns and pay taxes on any interest earned. If you are going to invest it ...
by livesoft
Mon Aug 14, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Problem with Vanguard Service/Covered Share Accounting
Replies: 5
Views: 460

Re: Problem with Vanguard Service/Covered Share Accounting

There are numerous threads at bogleheads.org about the same problem that many other people are experiencing. I suppose it does not help you at all that "You are not alone." There are 60 days of people ahead of you in line to get this fixed. I don't have this problem because I have only one single ta...
by livesoft
Mon Aug 14, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: Lack of Feedback from Vanguard Reps when Suggestions are Made
Replies: 5
Views: 413

Re: Lack of Feedback from Vanguard Reps when Suggestions are Made

I have suggested some web site changes in the past to Vanguard and they have actually done those changes. I will never know if they made changes because I suggested them or because others suggested the same things or because the CEO suggested the changes. I just don't care. FWIW, one of my former ta...
by livesoft
Mon Aug 14, 2017 10:20 am
Forum: Investing - Theory, News & General
Topic: Erroneous Vanguard fund prices from 8/11
Replies: 13
Views: 970

Re: Erroneous Vanguard fund prices from 8/11

There is an art to being on hold and doing something else.
by livesoft
Mon Aug 14, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Lightning strikes nearby locking up my new smart thermostat
Replies: 12
Views: 1277

Re: Lightning strikes nearby locking up my new smart thermostat

Nearby lightning strikes have damaged things in my home: Garage door opener electronics and the outdoor AC compressor. The compressor damage was spectacular, but not as spectacular as the tree that exploded.
by livesoft
Mon Aug 14, 2017 10:16 am
Forum: Investing - Theory, News & General
Topic: Erroneous Vanguard fund prices from 8/11
Replies: 13
Views: 970

Re: Erroneous Vanguard fund prices from 8/11

I'm laughing because you obviously have time to post on this forum when instead you could be calling.
by livesoft
Mon Aug 14, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: advice for new hi-income house hunters, south Texas
Replies: 9
Views: 797

Re: advice for new hi-income house hunters, south Texas

We moved from the NYC area to the Houston area quite a while ago. We rented in NY, then rented an apartment in Texas for several months while looking for a home. There is no single book that will be helpful to you. We used a Buyer's Agent, but treated them like a Seller's agent. We had very specific...
by livesoft
Mon Aug 14, 2017 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Wife 1m to vanguard
Replies: 10
Views: 2229

Re: Wife 1m to vanguard

What a terrific nest egg gotten from a work-place plan! I'd be curious to learn when she started, how much she contributed annually, and what her AA was. My spouse has about the same amount in her individual accounts and is about the same age. She always contributed the maximums allowed to her reti...
by livesoft
Sun Aug 13, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Bank balking at transferring assets to Vanguard
Replies: 14
Views: 2906

Re: Bank balking at transferring assets to Vanguard

Livesoft: The Vanguard representative told me to write a letter to the cost basis group at Vanguard. I plan to declare the gains/losses correctly on schedule D (I am familiar with how to fill that out), but I wanted my Vanguard account to show the correct information. Perhaps it doesn't matter? The...
by livesoft
Sun Aug 13, 2017 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Can we slow down then retire?
Replies: 25
Views: 3883

Re: Can we slow down then retire?

Interesting regarding health care. I am now wondering how many possible employers would consider a part timer and offering full health benefits as a perk? Is that out of the norm? I don't think one needs to care about the norm. One only needs to know about their own personal situation. For instance...
by livesoft
Sun Aug 13, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Bank balking at transferring assets to Vanguard
Replies: 14
Views: 2906

Re: Bank balking at transferring assets to Vanguard

After talking with five different people at VG, each of whom referred me to a different person/dept. or back to the one I had just spoken with, I was finally told I need to write a letter explaining the situation and send a copy of the relevant IRS rule. I hope this will do the trick. Write a lette...
by livesoft
Sun Aug 13, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Are we house poor? [Property Tax Madness]
Replies: 78
Views: 7401

Re: Property Tax Madness

Search forum for "property tax protest". We protest increases on a regular basis. The way to do this is to have facts and not feelings nor guesses. The other threads you will find will discuss how to get the facts.
by livesoft
Sun Aug 13, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Expect to spend $2.6M on healthcare?
Replies: 66
Views: 5976

Re: Expect to spend $2.6M on healthcare?

I wouldn't worry about it. You will get an EOB with "Billed amount: $2,600,000" and "Allowed Charges: $192.15" and "What You Own: $0.00."
by livesoft
Sun Aug 13, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Setting up a LLC for side gig: 401(k)/IRA & Tax Management Question
Replies: 10
Views: 915

Re: Setting up a LLC for side gig: 401(k)/IRA & Tax Management Question

I've had a side income for over 35 years and just filed as a sole proprietor with a very simple Schedule C. No LLC, no audits, no separate bank account, no nothing. What IS your business? Mine was giving people advice and lectures. I had virtually no business expenses which always went on Schedule C...
by livesoft
Sun Aug 13, 2017 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Can we slow down then retire?
Replies: 25
Views: 3883

Re: Can we slow down then retire?

I went to half-time work at age 50. I don't see any problems with what you want to do. What are the problems that you are worried about?

See also:
viewtopic.php?t=87471

I don't see any reason to have an annuity in your situation.
by livesoft
Sat Aug 12, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: The Ideal Renting Situation
Replies: 6
Views: 575

Re: The Ideal Renting Situation

I had the ideal renting situation: My employer rented me a 2-br apartment on the shore about a 5 minute walk from my office, the cafeteria, the gym, etc at a great rate. I could fish from my patio. Lucky me.
by livesoft
Sat Aug 12, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: What home task(s) are worth learning to do yourself?
Replies: 45
Views: 4287

Re: What home task(s) are worth learning to do yourself?

It probably makes more sense to just learn things as one needs to. For instance, why learn plumbing if you never have a plumbing problem?
by livesoft
Sat Aug 12, 2017 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401K vs Traditional 401K
Replies: 12
Views: 690

Re: Roth 401K vs Traditional 401K

My strategy is to put it ALL in traditional 401(k). Then when I got to a lower tax bracket in retirement, I did Roth conversions. I saved tens of thousands of dollars doing that. And the money I saved on taxes by contributing all to traditional 401(k) was used to contribute to Roth IRAs when they be...
by livesoft
Sat Aug 12, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Need advice on car power window switch work
Replies: 29
Views: 1148

Re: Need advice on car power window switch work

Try imgur.com instead of tinypic.
by livesoft
Sat Aug 12, 2017 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation and tax treatment
Replies: 5
Views: 476

Re: Asset allocation and tax treatment

I don't, but some people do: https://www.bogleheads.org/wiki/Tax-adjusted_asset_allocation The main reason I don't bother is that my taxes are so low that I don't think it really matters to me. But since you stated you didn't have any fixed income, I don't think it matters to you yet as well. OTOH, ...
by livesoft
Sat Aug 12, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Core position in Fidelity
Replies: 24
Views: 2046

Re: Core position in Fidelity

Welcome to the forum.

Presumably one reason you switched to Fidelity is because of their outstanding customer service which means telephone, online chat, walk-in office, etc.

Aren't all of these available on a Saturday, unlike the V place? What do the Fidelity reps answer about this?
by livesoft
Sat Aug 12, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Need advice on car power window switch work
Replies: 29
Views: 1148

Re: Need advice on car power window switch work

rec7 wrote:
Sat Aug 12, 2017 11:51 am
I was scared to break the harness. Are they pushed out from the female side?
I don't know. Post a link to a photo or two or three.
by livesoft
Sat Aug 12, 2017 11:46 am
Forum: Investing - Help with Personal Investments
Topic: TSP Allocation Strategy for the AGRESSIVE Investor
Replies: 36
Views: 2089

Re: TSP Allocation Strategy for the AGRESSIVE Investor

There is no way to predict the future, so there is no way to know which allocation to select to get the maximum. HOWEVER, one can come up with an asset allocation plan that has about 10% to 20% in the G fund along with the 90% to 80% in the various equity funds and just do the normal rebalancing alo...
by livesoft
Sat Aug 12, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Need advice on car power window switch work
Replies: 29
Views: 1148

Re: Need advice on car power window switch work

Downstream you could swap the wires. That is what I was thinking. I would think it would be as easy and simple as unplugging the two wire harnesses from the different windows from the switch and plugging them back into their different slots.* Did you open up the console and look at the switch box? ...
by livesoft
Sat Aug 12, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Need advice on car power window switch work
Replies: 29
Views: 1148

Re: Need advice on car power window switch work

Yes, there is no physical reason why you cannot re-wire if you can figure it out. That is, voltage, wattage, power requirements should all be the same for all the windows, motors, and switches. Sounds like a good plan to me.
by livesoft
Sat Aug 12, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: When to pay estimated taxes on mutual fund distributions in December 2018?
Replies: 32
Views: 1777

Re: When to pay estimated taxes on mutual fund distributions in December 2018?

Does the IRS know that a distribution is paid-out in December 2018, rather than January 2018? Do the tax statements include a date of when the distribution was made? If so, that would show that I wasn't holding out on making quarterly payments. No, a 1099-DIV sent to the IRS does not include the da...
by livesoft
Sat Aug 12, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: taxable accounts
Replies: 8
Views: 540

Re: taxable accounts

In some sense, you already know about taxable accounts since your Ally account, your checking account, and any of those savings accounts you've had over your life have all been taxable accounts. You may recall that the financial institutions that you have those accounts at send you a 1099-INT every ...
by livesoft
Sat Aug 12, 2017 8:13 am
Forum: Investing - Help with Personal Investments
Topic: RE: Retirement and College Planning
Replies: 17
Views: 1202

Re: RE: Retirement and College Planning

It seems that this is just a typical "save and index" for retirement request since you will be around age 70 when the grown-up children might be in college. That is, there will be no early withdrawal penalties for withdrawals from retirement accounts and you might even be collecting social security....
by livesoft
Sat Aug 12, 2017 7:19 am
Forum: Personal Finance (Not Investing)
Topic: When to pay estimated taxes on mutual fund distributions in December 2018?
Replies: 32
Views: 1777

Re: When to pay estimated taxes on mutual fund distributions in December 2018?

Bottom line: It is not something to worry about. Besides, by that time one's taxes won't be estimated at all. One should have a very good idea of what one's real tax situation will be by mid-December of each year. Another way to think about this: Estimated taxes are NOT future taxes. One pays taxes ...
by livesoft
Sat Aug 12, 2017 7:01 am
Forum: Investing - Help with Personal Investments
Topic: Has anyone converted their interest income to QDI?
Replies: 4
Views: 336

Re: Has anyone converted their interest income to QDI?

It is much easier to simply avoid getting paid any taxable interest income and any taxable non-qualified dividend income. That's what we do.
by livesoft
Fri Aug 11, 2017 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Where To Put My Emergency Fund?
Replies: 58
Views: 3939

Re: Where To Put My Emergency Fund?

The problem in that case would come if having to sell in a down market. That's why it's nice to have a few bucks around so you can ride out bear markets without having to touch it. I don't see that as much of a problem at all for millionaires (">> $1kk") But selling low still hurts even if you've g...
by livesoft
Fri Aug 11, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Big family, small house dilemma -- kid bedrooms in basement?
Replies: 23
Views: 2395

Re: Big family, small house dilemma -- kid bedrooms in basement?

I lived w/sibling in a basement br as a teenager while parents and other siblings lived 2 floors up. No one had their own bedroom.

So I don't understand the issue.
by livesoft
Fri Aug 11, 2017 6:16 pm
Forum: Investing - Theory, News & General
Topic: "Honesty like that is rare!"
Replies: 47
Views: 6887

Re: "Honesty like that is rare!"

I suspect they had a large-cap, mid-cap, small-cap fund or even 2 of each for US,then for foreign a developed, an emerging, and perhaps another one. Also note that Allan Roth is well-known, so what is this person supposed to say to him? There would be no way to pull the wool over his eyes. But yes, ...
by livesoft
Fri Aug 11, 2017 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Can a salaried employee be docked pay...
Replies: 33
Views: 3235

Re: Can a salaried employee be docked pay...

Sometimes one can work on the weekend or holiday in a so-called comp-time. Discuss with employer ahead of time is best.
by livesoft
Fri Aug 11, 2017 6:09 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 133
Views: 6330

Re: How far would you travel to see The Eclipse?

I've seen solar eclipses. The problem with traveling to see the eclipse is that one has to hope the weather and especially clouds cooperate. It is not a given that people at a sweet spot will see the eclipse.

How many are going on one of those airplanes to see the eclipse?
by livesoft
Fri Aug 11, 2017 6:04 pm
Forum: Investing - Theory, News & General
Topic: "Honesty like that is rare!"
Replies: 47
Views: 6887

Re: "Honesty like that is rare!"

Honesty like that is not rare, but maybe it is in the retail financial industry. Sad.
by livesoft
Fri Aug 11, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Where To Put My Emergency Fund?
Replies: 58
Views: 3939

Re: Where To Put My Emergency Fund?

Nicolas wrote:The problem in that case would come if having to sell in a down market. That's why it's nice to have a few bucks around so you can ride out bear markets without having to touch it.
I don't see that as much of a problem at all for millionaires (">> $1kk")
by livesoft
Fri Aug 11, 2017 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value Funds vs Bond Funds
Replies: 33
Views: 1988

Re: Stable Value Funds vs Bond Funds

My thoughts are that the two of you can have a contest. You get half the fixed income allocation and your spouse gets the other half. You each do what you think is best. Then whoever makes the most or loses the least gets to spend the difference on anything they want to.