Search found 58961 matches

by livesoft
Sat Feb 24, 2018 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited stocks, what would you do?
Replies: 19
Views: 1347

Re: Inherited stocks, what would you do?

I would have sold the stocks as soon as I could.

I've told my children that my asset allocation is probably not their asset allocation and they should feel no compunction about selling any of the assets that they inherit from me even if they are all passively-managed low-expense-ratio index funds.
by livesoft
Sat Feb 24, 2018 5:42 pm
Forum: Investing - Theory, News & General
Topic: GNMA Fund - usually we see some folks in panic
Replies: 4
Views: 457

Re: GNMA Fund - usually we see some folks in panic

I think they were all started by hoops777 and he got tired of me responding.

https://www.google.com/search?sitesearc ... ps777+gnma
by livesoft
Sat Feb 24, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Scottrade trade closing fee?
Replies: 2
Views: 156

Re: Scottrade trade closing fee?

I would look at my monthly statements from Scottrade. I would look to see that what I transferred made it intact to Vanguard. Share for share and dollar for dollar. And if no statement yet, I would look at the list of transactions that every brokerage (except Vanguard) keeps for clients in real-time...
by livesoft
Sat Feb 24, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: Maui and what other island?
Replies: 35
Views: 2824

Re: Maui and what other island?

It has been so long. I suggest you go to TripAdvisor.com and select one.
by livesoft
Sat Feb 24, 2018 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: 3 month t-bill
Replies: 3
Views: 255

Re: 3 month t-bill

And don't forget, you don't get 1.64% of interest in 3 months. You get about 25% of that because, well, 3 months is 25% of a year.
by livesoft
Sat Feb 24, 2018 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: ditched our FA, what to do with this 1099
Replies: 3
Views: 321

Re: ditched our FA, what to do with this 1099

Yes, you need to do the usual thing with this 1099 (and all other 1099s that you get) to complete your tax return.
by livesoft
Sat Feb 24, 2018 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Low-cost Financial Advisor options for parents
Replies: 14
Views: 564

Re: Low-cost Financial Advisor options for parents

It reads like it doesn't matter what they do. There are certainly less expensive in-your-face advisors out there. You just have to find them. tfb has a pay-him service to find advisors for people. Search the forum or internet to find that service. What ZIP codes are you looking for face-to-face meet...
by livesoft
Sat Feb 24, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 57
Views: 2726

Re: Favorite socks?

I have a dozen pair of black gold toe but I just don’t like the feel of those socks. Gold-toe is a brand and they make at least a dozen different kinds of socks from all fibers. There are about 10 kinds of gold-toe socks that I would never buy including the cotton ones, the polyester ones, the nylo...
by livesoft
Sat Feb 24, 2018 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Add short term bond fund to bond portion of AA?
Replies: 4
Views: 284

Re: Add short term bond fund to bond portion of AA?

The Bogleheads.org forum has had many years of Total Bond vs Short-term Bond or Intermediate-term bond versus Short-term Bond discussions over the years. People have even changed their minds over the years. Even Taylor Larimore at one time switched from the Intermediate-term TIPS fund to the Short-t...
by livesoft
Sat Feb 24, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Move out of bond fund or not?
Replies: 14
Views: 1022

Re: Move out of bond fund or not?

I would sell VBTLX to harvest the tax loss and not buy it again ever in a taxable account.

I would have to see your entire portfolio in order to decide what to do with money you got from selling VBTLX.
by livesoft
Sat Feb 24, 2018 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Reallocating --> Need ideas to minimize tax
Replies: 8
Views: 363

Re: Reallocating --> Need ideas to minimize tax

Donate shares held long-term with the most unrealized capital gains to your Donor-Advised fund is missing.

Stop any automated dividend reinvesting.

When selling, don't bump yourself into unexpected tax brackets.
by livesoft
Sat Feb 24, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 57
Views: 2726

Re: Favorite socks?

I picked these up at Costco couple months ago. Very comfortable and great price but only come in black: https://www.costco.com/Weatherproof-Men%e2%80%99s-Crew-Sock-4-pair.product.100162051.html That's neat how the ad copy says "Wool blend", but the sock is half acrylic, but does have some wool as t...
by livesoft
Sat Feb 24, 2018 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?
Replies: 60
Views: 7630

Re: Avoiding the Hassle Factor - Vanguard, Schwab, or Fidelity?

Back on this thread after a year, we have not made any changes. We're still with Vanguard and bank locally with Wells Fargo. Banking and investing in one location has become a much more appealing idea, .... [...] A. Continue to invest with Vanguard and bank with Wells Fargo locally (No Change) I ha...
by livesoft
Sat Feb 24, 2018 5:39 am
Forum: Investing - Theory, News & General
Topic: What books changed your outlook on how you should invest?
Replies: 38
Views: 2210

Re: What books changed your outlook on how you should invest?

We started investing with Vanguard in the very early 1980's. I still have my copy of " Random Walk Down Wall Street " from back then. So there was no need to change my outlook on how I should invest. But then I read William Bernstein's " The Four Pillars of Investing " in this century and that book ...
by livesoft
Sat Feb 24, 2018 5:30 am
Forum: Investing - Theory, News & General
Topic: Scottrade to TDA
Replies: 2
Views: 394

Re: Scottrade to TDA

Got this message when trying to login into my Scottrade account. Happening Now As of 4:15 p.m. ET on Feb 23 and through the weekend, access to Scottrade accounts and platforms is unavailable as we transfer to TD Ameritrade. I have mostly all VG funds in my Scott account. Any comments out there abou...
by livesoft
Sat Feb 24, 2018 5:23 am
Forum: Personal Finance (Not Investing)
Topic: 2 kids starting Grad School. How to support equally
Replies: 10
Views: 762

Re: 2 kids starting Grad School. How to support equally

Why don't you ask them what they think is fair?
by livesoft
Sat Feb 24, 2018 5:13 am
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 57
Views: 2726

Re: Favorite socks?

Do "Fluffies" work as a quick-dry travel sock, something you wash in the hotel sink at night and have ready to wear the next day? Or at least by the day after the next day, worst case? Definitely. Not the cotton fluffies, but the acrylic fluffies. Here is a trick for drying faster, too: Squeeze soc...
by livesoft
Fri Feb 23, 2018 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Pay Learnvest for Financial Advice to Convince Wife?
Replies: 29
Views: 1590

Re: Should I Pay Learnvest for Financial Advice to Convince Wife?

I don't understand why your spouse would not put Learnvest in the same category as "Wolf of Wall Street" that you already mentioned. I was asked by an acquaintance to help her answer the question of "Stay with my current financial advisor, use the advisor at my bank, or do it myself?" She did not ha...
by livesoft
Fri Feb 23, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Sell in Taxable, Buy in Tax-Advantaged
Replies: 7
Views: 691

Re: Sell in Taxable, Buy in Tax-Advantaged

Thanks livesoft. From previous posts, I'd gather you sold for the same tax reasons that I'm considering here? I could do TLH on a recent Total International investment, so I'll consider that as an option... I have yet to TLH since I've done the bulk of my investing during the recent bull years. Yes...
by livesoft
Fri Feb 23, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Pay Learnvest for Financial Advice to Convince Wife?
Replies: 29
Views: 1590

Re: Should I Pay Learnvest for Financial Advice to Convince Wife?

Free to cancel is good, but what if the advice has you buying things that you will want to sell later at a tax cost? You should have a plan for that scenario or maybe never enter that scenario. Perhaps another way is to create your own investing plan of what you would do without Learnvest, then have...
by livesoft
Fri Feb 23, 2018 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Sell in Taxable, Buy in Tax-Advantaged
Replies: 7
Views: 691

Re: Sell in Taxable, Buy in Tax-Advantaged

I sold all my VSS in taxable and bought in tax-advantaged. I was able to offset the gains by previous losses from tax-loss harvesting. I know that doesn't help you now, but maybe you can look forward to some tax-loss harvesting and do it then.
by livesoft
Fri Feb 23, 2018 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Pay Learnvest for Financial Advice to Convince Wife?
Replies: 29
Views: 1590

Re: Should I Pay Learnvest for Financial Advice to Convince Wife?

One thing I've learned here on the forum is that every time someone uses a Financial Advisor or Robo Advisor or Something Like Learnvest, they should plan on how they will extract themselves from the relationship without tax costs and without fees and without hassles. They should have the plan in pl...
by livesoft
Fri Feb 23, 2018 5:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 166
Views: 28378

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

^There is a difference between bonds, notes, and bills. It's a little technical, but have at it. I don't think VMMXX owns any bonds nor notes, but I didn't check.
by livesoft
Fri Feb 23, 2018 5:39 pm
Forum: Investing - Theory, News & General
Topic: Is there any flaw in this short-term tactic?
Replies: 9
Views: 594

Re: Is there any flaw in this short-term tactic?

Yahoo could pull a Kylie Jenner and say they wanted to ditch their Alibaba shares. Then what would happen?
by livesoft
Fri Feb 23, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market [how to allocate bond portion of AA]
Replies: 16
Views: 1717

Re: Total Bond Market [how to allocate bond portion of AA]

I have owned the funds you listed in their ETF versions. All I can say is that no one can predict the future except that I can predict you will lose money and you will make money. If one is investing, one simply has to expect to lose money and enjoy it when it happens. But you can have a plan when y...
by livesoft
Fri Feb 23, 2018 3:05 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Investors Should Worry About
Replies: 91
Views: 5832

Re: Larry Swedroe: What Investors Should Worry About

I'm a bit surprised that Larry called a 10% stock correction a "crash," especially when he immediately noted that there have been seven months since 1970 since this happened. I wouldn't call anything less than a bear market a crash. There is crash and there is crash. I think he was mostly telling u...
by livesoft
Fri Feb 23, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 57
Views: 2726

Re: Favorite socks?

Gold-toe ACRYLIC socks in whatever style you want. The point is ACRYLIC which is why I am capitalizing it. Get black color and white color. Done. Acrylic is the synthetic fiber closest to wool. Like wool, it will keep your feet warm, but it is soft. Unlike cotton though, it will dry quickly. You wil...
by livesoft
Fri Feb 23, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: How Do People Without Computer Access Prepare and File Their Taxes?
Replies: 53
Views: 2682

Re: How Do People Without Computer Access Prepare and File Their Taxes?

And if you ask, "How do people without computers and phones file their taxes?" I can answer that, too: They don't file taxes because they don't owe any taxes and have no refund coming to them either. You are seriously out of touch with reality if you think that, livesoft. VITA sites like ours serve...
by livesoft
Fri Feb 23, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri Fixed Income Portfolio Funds
Replies: 21
Views: 2515

Re: Rick Ferri Fixed Income Portfolio Funds

In his book, his more advanced portfolios contain as many as 12 funds, sliced and diced. When the book was published, many of the current Vanguard products recommended on this forum did not exist in their current forms. In particular, the Total International Stock Market Index fund that you own did...
by livesoft
Fri Feb 23, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: How Do People Without Computer Access Prepare and File Their Taxes?
Replies: 53
Views: 2682

Re: How Do People Without Computer Access Prepare and File Their Taxes?

Yes, our library has the forms and computers, too. And are you serious that you do not have a computer at home that does not belong to your employer? No problem: You just file your tax return on your phone like Millennials do. And if you ask, "How do people without computers and phones file their ta...
by livesoft
Fri Feb 23, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: "Bogleheads.org" by Kristine Hayes"
Replies: 44
Views: 5104

Re: "Bogleheads.org" by Kristine Hayes"

I would bet dollars to doughnuts that Ms. Hayes uses acronyms and abbreviations all the time when texting and snapchat-ting.
by livesoft
Fri Feb 23, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Diversification
Replies: 7
Views: 565

Re: Diversification

I was going to write that adding fixed income is a diversification, but your Ally savings account fulfills that diversification role. You are all set. As long as 30 means $30,000 and not $30.00 :)
by livesoft
Fri Feb 23, 2018 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri Fixed Income Portfolio Funds
Replies: 21
Views: 2515

Re: Rick Ferri Fixed Income Portfolio Funds

Yes, I agree. Many people have no way of knowing what the Signal is and what the Noise is. They don't even want to find that out in the first place.

But if one does, then I would recommend things like Nate Silver's book "The Signal and the Noise" and others like it.
by livesoft
Fri Feb 23, 2018 9:03 am
Forum: Investing - Theory, News & General
Topic: "Bogleheads.org" by Kristine Hayes"
Replies: 44
Views: 5104

Re: "Bogleheads.org" by Kristine Hayes"

I quite enjoyed getting another perspective on the Bogleheads.org forum. I have even made up a story in my mind about why Jonathan Clements had this piece on his web site. I have referred people to Bogleheads.org. Almost all of them find the forum intimidating. But I think most all people find life ...
by livesoft
Fri Feb 23, 2018 8:38 am
Forum: Investing - Theory, News & General
Topic: Does using the trend in a higher timeframe give you a statistical advantage in a lower timeframe.
Replies: 3
Views: 281

Re: Does using the trend in a higher timeframe give you a statistical advantage in a lower timeframe.

Welcome to the Bogleheads forum where folks typically know nothing about short-term technical analysis, charting, shorting, and trading.

I cannot even begin to address your question. Sorry.
by livesoft
Thu Feb 22, 2018 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Which value funds do you use?
Replies: 3
Views: 279

Re: Which value funds do you use?

Should I accept overlap and have multiple funds of the same class (LCV and SCV)? Won't you have that anyways if you have to do some tax-loss harvesting? In taxable right now, the only "value" fund I have is VBR purchased in 2009. I have also used IJS in taxable, but do not own it in taxable at the ...
by livesoft
Thu Feb 22, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a bond ladder not as easy as I thought
Replies: 11
Views: 1070

Re: Buying a bond ladder not as easy as I thought

BIL is an ETF of 1-3 month T-bills. You can calculate how much of a hit that the spread and commissions will cost you. While you will get an effectively lower interest rate, the liquidity is there in case you need to sell and buy something else instantly. I own T-bills and just buy them without a li...
by livesoft
Thu Feb 22, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: [Is this fund transaction taxable?]
Replies: 5
Views: 317

Re: [Is this fund transaction taxable?]

[Moved into a stand-alone post from: Can you lose money in a Money Market savings account ? --admin LadyGeek] Is this discussion for VMMXX symbol (Vanguard Prime Money Market fund) ? If Yes, Then please explain my scenario: I have Vanguard Total International Stock Index Fund Admiral Shares ( VTIAX...
by livesoft
Thu Feb 22, 2018 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri Fixed Income Portfolio Funds
Replies: 21
Views: 2515

Re: Rick Ferri Fixed Income Portfolio Funds

Mr Ferri's book was published years ago. I would never blindly follow the advice found in an old book. I might follow it after checking it out. You might put some of the recommended bond allocations into a tool like PortfolioVisualizer.com and see how they turned out after the book was published. An...
by livesoft
Thu Feb 22, 2018 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Month T-Bill Replacement for Ally No-Penalty 1yr CDs?
Replies: 22
Views: 1160

Re: 3 Month T-Bill Replacement for Ally No-Penalty 1yr CDs?

Yes, please show. I will get screen captures of TDAmeritrade, Fidelity, and Vanguard then for comparison. If you want to use a CUSIP: 912796LX5
by livesoft
Thu Feb 22, 2018 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Month T-Bill Replacement for Ally No-Penalty 1yr CDs?
Replies: 22
Views: 1160

Re: 3 Month T-Bill Replacement for Ally No-Penalty 1yr CDs?

I'm looking at web sites online. Here is what I think I found:

Cost to buy a T-bill
$00.00 Schwab
$00.00 Vanguard
$10.00 Fidelity
$19.99 TDAmeritrade
$50.00 WellsTrade

Cost to sell may be different than above.

Would anybody like to confirm or contradict any of the above please?
by livesoft
Thu Feb 22, 2018 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited tIRA all in HAINX
Replies: 20
Views: 1402

Re: Inherited tIRA all in HAINX

rgs92 wrote:
Thu Feb 22, 2018 2:15 am
Harbor International Fund went up 22.9% in 2017. So it did pretty well ...
That looks good until you compare to Vanguard Total International Index fund with its 27.55% in 2017 return. 3-year and 5-year returns are also relatively bad for HAINX.
by livesoft
Thu Feb 22, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 58
Views: 3783

Re: Boglehead Flashlight?

Those lights linked by Toons look great. I may get me some. Thx!
by livesoft
Thu Feb 22, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Month T-Bill Replacement for Ally No-Penalty 1yr CDs?
Replies: 22
Views: 1160

Re: 3 Month T-Bill Replacement for Ally No-Penalty 1yr CDs?

When buying T-bills, your financial institution maay hide mark-up charge. I am not sure if you have to pay it coming and going, but if you purchase a small amount, the fixed fee will be a higher percentage than if you purchase a smaller amount. So that has to be figured in your return. I bought a T-...
by livesoft
Thu Feb 22, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: Can you lose money in a Money Market savings account ?
Replies: 36
Views: 1991

Re: Can you lose money in a Money Market savings account ?

Technically the answer is Yes, but let me explain. First, we typically think a MM account is FDIC-insured, but a MM fund is not. But places are fast and loose with terms. My spouse's previous 401(k) had a MM in it. The 401(k) charged an extra fee of 1.5% on all investments in the 401(k), so when the...
by livesoft
Thu Feb 22, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 58
Views: 3783

Re: Boglehead Flashlight?

Headlamps are probably the best for night time walking/hiking. But nowadays bike lights are essentially small hand-carry flashlights with a handlebar mount. If you want BRIGHT then a 200 lumen TeamObsidian is a great flashlight that is small and adjustable narrow/wide focus. https://www.teamobsidian...
by livesoft
Thu Feb 22, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Lawn spraying
Replies: 26
Views: 1701

Re: Lawn spraying

In my yard with a dog, the grass is very green coming out of winter wherever the dog has peed or done his business. Your photo goes not suggest dog to me. There would be many such spots if it was dog.
by livesoft
Thu Feb 22, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Lawn spraying
Replies: 26
Views: 1701

Re: Lawn spraying

I am unfamiliar with fescue, but if that was St Augustine and the weather has been cool, I would call that Brown Patch which is a fungus because it starts small, browns the leaves and expands. The inner green is where new leaves have started to re-grow. You didn't want to learn the science of turf b...
by livesoft
Thu Feb 22, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: Rising Bond Yields
Replies: 6
Views: 1051

Re: Rising Bond Yields

Perhaps you can buy the TIAA Traditional Annuity?