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by livesoft
Fri Jun 22, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes from dividends getting high.. how to handle?
Replies: 11
Views: 1125

Re: Taxes from dividends getting high.. how to handle?

Not much that one can do if they want to keep those investments. Don't reinvest the dividends back into investments that pay high dividends. Choose investments that pay a higher percentage of qualified dividends and virtually no non-qualified dividends. Examples: Choose VEA instead VXUS. Choose VV i...
by livesoft
Fri Jun 22, 2018 6:57 pm
Forum: Investing - Theory, News & General
Topic: Why won't Vanguard drop VTI & VOO expense to 0.03?
Replies: 22
Views: 1469

Re: Why won't Vanguard drop VTI & VOO expense to 0.03?

They don't have to drop it because they are giving you better return from securities lending which costs a little bit of money. :twisted:

So would you rather have an expense ratio of 0.03% and no extra return, or an expense ratio of 0.04% and 0.1% extra return?
by livesoft
Fri Jun 22, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: Fixing drip irrigation line
Replies: 11
Views: 429

Re: Fixing drip irrigation line

^I doubt "boiling" is the required temperature. Maybe 150 deg F? I don't know. One can experiment safely ... or consult YouTube. :)
by livesoft
Fri Jun 22, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Fixing drip irrigation line
Replies: 11
Views: 429

Re: Fixing drip irrigation line

Instead of a torch to heat the plastic, I just boiled a pot of water then took the pot of water outside and soaked the hose ends for a minute to soften up the plastic before pushing on to a barbed coupler.
by livesoft
Fri Jun 22, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: My first attempt at TLH
Replies: 5
Views: 416

Re: My first attempt at TLH

Housedoc wrote:
Fri Jun 22, 2018 4:53 pm
See if there is an ETF equivalent for the fund you sold. I think you can buy it now. No wait period as it is "different ".
VXUS is the ETF share class of VTIAX. I would not buy it now myself as replacement shares for VTIAX.
by livesoft
Fri Jun 22, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Dallas Trip
Replies: 11
Views: 551

Re: Dallas Trip

Uh-oh, then the Dallas area will overwhelm you. Sorry about that.
by livesoft
Fri Jun 22, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: My first attempt at TLH
Replies: 5
Views: 416

Re: My first attempt at TLH

Yes, you can buy VFWAX all you want, when you want.
by livesoft
Fri Jun 22, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: Fixing drip irrigation line
Replies: 11
Views: 429

Re: Fixing drip irrigation line

What does YouTube.com say about your setup?

Here is a good Rule: Before going to Home Deport or Lowe's or other DIY place, consult YouTube.com.
by livesoft
Fri Jun 22, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Hire financial advisor?
Replies: 10
Views: 731

Re: Hire financial advisor?

I wonder what your children think about all this. I often talked to my mom about her investments. She made sure things were set up so that when she died her children had no hassles.

I've talked to my children about my investments, too.
by livesoft
Fri Jun 22, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: VBIAX vs. VWELX [Vanguard Balanced Index vs. Wellington]
Replies: 4
Views: 557

Re: VBIAX vs. VWELX

What exactly are these two funds?
by livesoft
Fri Jun 22, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Dallas Trip
Replies: 11
Views: 551

Re: Dallas Trip

AD3 wrote:
Fri Jun 22, 2018 4:32 pm
Thanks! I'm coming from the bay area, so hopefully the temperature won't be too bad.
Yes, Galveston Bay can be quite hot and humid, so you are probably used to all that.
by livesoft
Fri Jun 22, 2018 4:34 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a dividend this month"
Replies: 39
Views: 3644

Re: "Find out if your fund is declaring a dividend this month"

The market opens. Someone lowers their ASKing price. Someone raises their Bid Price. They meet in the middle and the first trade is recorded. That is the opening price. It is at whatever price they agree to. The previous close, adjusted for dividends or not, is irrelevant. I think you would enjoy l...
by livesoft
Fri Jun 22, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Dallas Trip
Replies: 11
Views: 551

Re: Dallas Trip

That humanity is going to get you every time. Since it appears that you live in Houston, I think you will think the Rangers game will be a nice lower temperature than what you are used to. Anyways, I find Dallas a breeze. If you like art, the Kimbell. If the like aquariums, the aquarium. The reality...
by livesoft
Fri Jun 22, 2018 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: “Buying the Dividend”
Replies: 11
Views: 938

Re: “Buying the Dividend”

It is not the worst thing to buy a dividend. You just pay the tax now rather than later. If you bought the dividend, you will have a higher basis and pay less when you sell. That's another myth. My cost basis for shares purchased does not change because I bought the dividend. Nor does it change bec...
by livesoft
Fri Jun 22, 2018 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab ETF or Vanguard Mutual Funds (Taxable Account) ?
Replies: 5
Views: 321

Re: Schwab ETF or Vanguard Mutual Funds (Taxable Account) ?

Buying the Schwab version and then the Vanguard version just gets you 2 1099-B at year end and adds to your tax complexity. Not really. If the OP makes no sales, then no 1099-B. I am going to guess you meant 1099-DIV. :) But even that is not a tax complexity to most people. I have 3 different taxab...
by livesoft
Fri Jun 22, 2018 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab ETF or Vanguard Mutual Funds (Taxable Account) ?
Replies: 5
Views: 321

Re: Schwab ETF or Vanguard Mutual Funds (Taxable Account) ?

have you thought about automating this every-2-weeks investing? Vanguard.com can set that up for you, so then you wouldn't need an app nor a phone to make your purchases.
by livesoft
Fri Jun 22, 2018 2:57 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a dividend this month"
Replies: 39
Views: 3644

Re: "Find out if your fund is declaring a dividend this month"

This is repeated as gospel truth on millions upon millions of web pages and in investing forums. But it does not actually happen. I guess it would be more proper to say the stock price drops before the market open and before the first trade of the day by the amount of the dividend. Any price change...
by livesoft
Fri Jun 22, 2018 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: “Buying the Dividend”
Replies: 11
Views: 938

Re: “Buying the Dividend”

Some math: Suppose I had $69.84 to invest in VTSAX. If I "bought the dividend" on 6/19, then I would have bought one (1) share. Then I would have received a $0.29 dividend. The tax on 29 cents for me is zero. The tax for someone who held the share for at least another 61 days would be about 4 cents ...
by livesoft
Fri Jun 22, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: “Buying the Dividend”
Replies: 11
Views: 938

Re: “Buying the Dividend”

As dividend season is upon us, just wanted some clarification regarding the dreaded “buying the dividend”. Re: taxable accounts - How long before or after a dividend is issued is it “safe” to buy more shares of a fund? If one does the math, it may be better to buy the dividend. That is, it should n...
by livesoft
Fri Jun 22, 2018 1:18 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a dividend this month"
Replies: 39
Views: 3644

Re: "Find out if your fund is declaring a dividend this month"

I think you may be confusing what "ex-dividend" means, so maybe you could point us to the funds that have this mysterious Saturday feature please. Then we could help explain perhaps.
by livesoft
Fri Jun 22, 2018 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Timing!
Replies: 4
Views: 431

Re: Timing!

The value of the accrued part of the monthly dividend will always get paid to anyone who sells part-way through the month, so the sell day doesn't matter if you are worried about losing the dividend because you won't lose the dividend. In a similar way, the buyer get the rest of the monthly dividend...
by livesoft
Fri Jun 22, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Minimizing my money worries in retirement
Replies: 7
Views: 1060

Re: Minimizing my money worries in retirement

Seems complicated. I hear that anti-anxiety drugs are taken by about one-sixth of adults which sounds much less complicated and a higher rate for women.
by livesoft
Fri Jun 22, 2018 11:17 am
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a dividend this month"
Replies: 39
Views: 3644

Re: "Find out if your fund is declaring a dividend this month"

^And there is lots of historical data to reject the hypothesis as well.
by livesoft
Fri Jun 22, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 76
Views: 5103

Re: Did you celebrate when you finally hit $1m?

Nope. It's not as much fun I suppose to hit $1m going the other way.

It's probably better to wait until you know you won't have to celebrate hitting $1m anymore because your portfolio is probably going to bounce below and above for a while unless you got a big windfall.
by livesoft
Fri Jun 22, 2018 8:08 am
Forum: Investing - Help with Personal Investments
Topic: ETFs
Replies: 10
Views: 618

Re: ETFs

Isn't there a tool at Schwab.com that is like Morningstar.com X-ray that tells one what the asset allocation of a portfolio is? Can somebody provide a link please? I would, but I am not a Schwab client. Thanks!
by livesoft
Fri Jun 22, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: How to get cheap flights?
Replies: 18
Views: 835

Re: How to get cheap flights?

I booked FF award flight about a month ago for that week. I am not going to Florida, but I see lots of flights just now for about $81 from Houston to Orlando. But that's a high price since I have other flights going on this summer for under $10 and 25,000 miles round-trip. At least United.com has a ...
by livesoft
Thu Jun 21, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 151
Views: 23674

Re: New SUV, $50G, Pilot/Highlander/Other

If you want to spend that much money, maybe you should try to get your hands on that new Subaru Ascent?
by livesoft
Thu Jun 21, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a dividend this month"
Replies: 39
Views: 3644

Re: "Find out if your fund is declaring a dividend this month"

Once again, Vanguard.com presents a falsehood arising from its schizophrenic nature. The "Reinvest date" is NOT also known as the "ex-dividend date" to the rest of the world. In particular, this statement DOES NOT APPLY to Vanguard ETFs. For a Vanguard ETF, the ex-dividend date is DEFINITELY NOT the...
by livesoft
Thu Jun 21, 2018 2:40 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a dividend this month"
Replies: 39
Views: 3644

Re: "Find out if your fund is declaring a dividend this month"

No, it does not mean that for ETFs, but does mean that for Vanguard mutual funds. You can see this by clicking here -> https://investor.vanguard.com/mutual-funds/profile/distributions/vtsax Every Vanguard mutual fund has a similar "Distributions" web page. Note that the word "ex-dividend" does NOT a...
by livesoft
Thu Jun 21, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirement myth
Replies: 14
Views: 1372

Re: Early retirement myth

unclescrooge wrote:
Thu Jun 21, 2018 1:43 pm
Yeah, I think self-employed is a better term.
I like "Married."
by livesoft
Thu Jun 21, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: Factor Investing Makes Someone Money, But Maybe Not You
Replies: 56
Views: 3368

Re: Factor Investing Makes Someone Money, But Maybe Not You

Yep, we are on to the next big thing.

And so it goes.

Also don't forget:

International Investing Makes Someone Money, But Maybe Not You
by livesoft
Thu Jun 21, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: US Small Cap Value Funds
Replies: 13
Views: 905

Re: US Small Cap Value Funds

Yes, that is exactly what it means.
by livesoft
Thu Jun 21, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: "Never time the market" vs. lump sum investment
Replies: 45
Views: 1922

Re: "Never time the market" vs. lump sum investment

Because what investors need to hear when they ask this question (which they do almost every day on this board) is not advice about allocation instead of DCA/lump sum: they need the complete answer. Which, it seems, we agree is something like the following. "Using DCA on a windfall instead on invest...
by livesoft
Thu Jun 21, 2018 11:35 am
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a dividend this month"
Replies: 39
Views: 3644

Re: "Find out if your fund is declaring a dividend this month"

Vanguard could use a lesson from Blackrock. iShares / Blackrock has already published all the distribution dates for their ETFs for 2018:
https://www.ishares.com/us/literature/d ... e-2018.pdf

One doesn't have to make any guesses. Thank you iShares!
by livesoft
Thu Jun 21, 2018 11:12 am
Forum: Investing - Theory, News & General
Topic: VEUSX Time To Sell?
Replies: 17
Views: 685

Re: VEUSX Time To Sell?

sparky123 wrote:
Thu Jun 21, 2018 11:08 am
Back to the original question. Should I sell now or let it lag a couple more years and then do it?
Clearly, you should capitulate now. That's what I'd like you to do. The more people that capitulate, then the bigger the drop will be on the RBD and the more I will buy on that date.
by livesoft
Thu Jun 21, 2018 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 28
Views: 1855

Re: Feel like I'm sinking money into international

I compare my portfolio to Vanguard LIfeStrategy fund with a similar asset allocation. So in my 60/40 case, I compare to VSMGX. My portfolio is still outperforming the benchmark, so I know that my rebalancing and RBD market timing machinations are doing me good.

Does that help?
by livesoft
Thu Jun 21, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Taxes for buy fund from selling other funds?
Replies: 10
Views: 469

Re: Taxes for buy fund from selling other funds?

These are exactly the same thing. There is no need to sell one for another. Clearly, these are NOT exactly the same thing and while similar are not even substantially identical. I wonder if someone forgot to put on their reading glasses this morning. :) I agree that there is no need to sell one for...
by livesoft
Thu Jun 21, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: "Never time the market" vs. lump sum investment
Replies: 45
Views: 1922

Re: "Never time the market" vs. lump sum investment

Suppose the next "market crash" just drops back to where the market is now? What then? Yes, what if the stock market goes up 30% and then drops 20% after that? But, then define "market crash" to us explicitly. If you don't explicitly define it ahead of time, then you won't act when it happens anyway...
by livesoft
Thu Jun 21, 2018 10:25 am
Forum: Investing - Theory, News & General
Topic: VEUSX Time To Sell?
Replies: 17
Views: 685

Re: VEUSX Time To Sell?

Hmmm, sounds like reasons to buy more to me:

1. Not enough of a percentage of total portfolio.

2. Can buy low now relative to some other things.
by livesoft
Thu Jun 21, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: Hands-free solutions
Replies: 15
Views: 530

Re: Hands-free solutions

Have someone else drive you around. :)

Your car is 17 years old. Get a new one. My car talks to me and responds to my voice commands even if I don't have a phone in the car.
by livesoft
Thu Jun 21, 2018 7:55 am
Forum: Investing - Help with Personal Investments
Topic: help, inheritance of $3.5M, read & read BogleH, & still in the dark
Replies: 26
Views: 3272

Re: help, inheritance of $3.5M, read & read BogleH, & still in the dark

Welcome to the forum. It looks like info from your friend (I wouldn't do what they suggest) and all the responders to this thread will just increase your anxiety and get you practically nowhere. Even Rick Ferri who I admire very much has made it complicated. So even though I have some ideas (actuall...
by livesoft
Thu Jun 21, 2018 7:45 am
Forum: Investing - Help with Personal Investments
Topic: what to do with my heavy cash position
Replies: 8
Views: 575

Re: what to do with my heavy cash position

Would love any feedback or tricks to get around the psychological games that are ultimately causing some investing paralysis. 3 tricks: Invest a big chunk on a RBD (really bad day). Since April 2, things are up about 7% to 10%. Do this whenever an RBD happens. Tax-loss harvest to get other taxpayer...
by livesoft
Thu Jun 21, 2018 5:24 am
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a dividend this month"
Replies: 39
Views: 3644

Re: "Find out if your fund is declaring a dividend this month"

If the declaration date was today, June 20, and I sold some shares tomorrow 6/21 would I still get the dividend based on the original amount of shares? It depends on what you sold. For a Vanguard mutual fund, it appears the Declaration Date is the same as the Record Date and you would get the divid...
by livesoft
Wed Jun 20, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: IRS: Great customer service?
Replies: 20
Views: 1755

Re: IRS: Great customer service?

The IRS is my friend. They respond to CP-2000 letters that I send them. They never dispute, but simply pay me. Once they forgot about a 1099-LS that I forgot to send to them, but then they remembered it and increased my refund by a factor of 10 without me even notifying them.
by livesoft
Wed Jun 20, 2018 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Growth Fund, Target Fund, or Total Stock Market
Replies: 45
Views: 2499

Re: Life Strategy Growth Fund, Target Fund, or Total Stock Market

I think the differences between 100% stock, 90% stock, and 80% stock are practically nil. You could flip a coin twice. If 2 heads, then 100% stock. If 2 tails, then 80% stock. If one head and one tail, then 90% stock. Or something else.
by livesoft
Wed Jun 20, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes for buy fund from selling other funds?
Replies: 10
Views: 469

Re: Taxes for buy fund from selling other funds?

Depends on the kind of account you hold these investments in and what your income tax bracket will be for the tax year that you sell any shares.

So you could pay no taxes or pay a lot of taxes based on information that you did not present in your post.
by livesoft
Wed Jun 20, 2018 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Growth Fund, Target Fund, or Total Stock Market
Replies: 45
Views: 2499

Re: Life Strategy Growth Fund, Target Fund, or Total Stock Market

How much money do you need for house down payment? How long do you expect to have to invest to get that amount? 1 year? 10 years? I don't think a savings account or money market fund or a CD is going to get you where you want to go. Once you get there, then Yes, move your money to such a safe invest...
by livesoft
Wed Jun 20, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: Storing Sustenance for Disasters
Replies: 28
Views: 1904

Re: Storing Sustenance for Disasters

I don't think anything that was vacuum-sealed will remain fresh once the seal is broken. The air is humid enough that water molecules and bacteria and mold will get in and then the bacteria and mold will grow however slowly. Just pretend you are a bacteria cell or a mold spore and see what you can do.
by livesoft
Wed Jun 20, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Storing Sustenance for Disasters
Replies: 28
Views: 1904

Re: Storing Sustenance for Disasters

My spouse is a member of CERT, the community emergency response team. She didn't tell me, but I found out that she is storing some crap to give out to families in emergencies. My personal feeling is that one can have normal everyday sustenance stored in the pantry and just rotate through your normal...