Search found 56069 matches

by livesoft
Tue Oct 10, 2017 8:07 am
Forum: Investing - Help with Personal Investments
Topic: How does VG report sales of laddered investments?
Replies: 4
Views: 242

Re: How does VG report sales of laddered investments?

IRS rules say that if the seller does not specify, then FIFO is used. Vanguard will do what you tell it to do. If you don't tell it what to do, then Vanguard must use FIFO by law. There is a thread with screen shots of how to use Specific ID at Vanguard: https://www.bogleheads.org/forum/viewtopic.ph...
by livesoft
Tue Oct 10, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: cash and landlines in disasters
Replies: 21
Views: 2344

Re: cash and landlines in disasters

With no power and fires in the area, why haven't folks evacuated to a place with power and no fires?

In a place with power, how long can you go without needing to buy anything --- whether with cash, debit, or credit?
by livesoft
Tue Oct 10, 2017 6:57 am
Forum: Investing - Theory, News & General
Topic: And the Nobel Memorial Prize in Economic Sciences goes to [Richard Thaler]
Replies: 80
Views: 6547

Re: And the Nobel Memorial Prize in Economic Sciences goes to [Richard Thaler]

mickeyd wrote:
Mon Oct 09, 2017 12:27 pm
But, still waiting for Bogle to get the nod.
Yes, it would be nice if Mr. Bogle was awarded a Nobel Prize, but it would probably break Vanguard as they tried to keep up with new business.
by livesoft
Tue Oct 10, 2017 6:46 am
Forum: Personal Finance (Not Investing)
Topic: 401k Loan and Employer Match
Replies: 6
Views: 515

Re: 401k Loan and Employer Match

awval999 wrote:
Tue Oct 10, 2017 6:38 am
I have a 403b loan through Fidelity.

My plan allows a direct debit through my checking account (instead of withheld by paycheck).
Thanks for that information. I will update my previous post.
by livesoft
Tue Oct 10, 2017 6:33 am
Forum: Personal Finance (Not Investing)
Topic: 401k Loan and Employer Match
Replies: 6
Views: 515

Re: 401k Loan and Employer Match

Don't forget that the paycheck is where the loan repayment probably comes from, so the amount of the paycheck has to be enough to make the loan payment, make the 401(k) contribution, and perhaps pay all the other bills. That is, take-home will be lower. EtA: When my spouse did a 401(k) loan, repayme...
by livesoft
Mon Oct 09, 2017 8:00 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11750

Re: 100% in bond to wait for market crash?

Remember the Fiscal Cliff? There's a lesson there.
by livesoft
Mon Oct 09, 2017 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: admiral shares or investor shares?
Replies: 24
Views: 2933

Re: admiral shares or investor shares?

Target retirement funds do not have Admiral shares, do they?

I recommend you just go to brokerage account now before you learn anything about the old way that might confuse you. That is, use the new way from the get-go, so you only have one system to learn.
by livesoft
Mon Oct 09, 2017 7:07 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11750

Re: 100% in bond to wait for market crash?

i don't see any reason to convince you of anything. You have to convince yourself.

Oh, you mentioned an expected tax cut. Did you know that you can deduct losses in your stock investments on your tax return? That alone will save you lots of money.
by livesoft
Mon Oct 09, 2017 7:04 pm
Forum: Investing - Theory, News & General
Topic: Buy when there's blood in the streets!
Replies: 39
Views: 6263

Re: Buy when there's blood in the streets!

I simply exchange from my bond index funds into my equity index funds. My bond funds don't really bleed.
by livesoft
Mon Oct 09, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 51
Views: 3723

Re: What specific changes have you made post-Equifax?

Nothing. We've made absolutely no changes.
by livesoft
Mon Oct 09, 2017 5:07 pm
Forum: Forum Issues and Administration
Topic: Getting Malwarebytes warnings on this site
Replies: 18
Views: 2624

Re: Getting Malwarebytes warnings on this site

How are avatar pics accessed and displayed?
by livesoft
Mon Oct 09, 2017 4:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard International Index Options
Replies: 2
Views: 364

Re: Vanguard International Index Options

Some reasons: You want different funds in your taxable account and your IRAs. You just tax-loss harvested one of the funds, so you used the other fund as replacement. You want to overweight small-cap foreign and hold it separately. You want to underweight small-cap foreign and hold it separately or ...
by livesoft
Mon Oct 09, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: bond "generalizations"
Replies: 4
Views: 454

Re: bond "generalizations"

I don't think your #2 is strictly true.
by livesoft
Mon Oct 09, 2017 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: How to handle a large ETF purchase?
Replies: 6
Views: 497

Re: How to handle a large ETF purchase?

Sorry can't help with such orders not on US exchanges. You might wish to add the exchange to your thread title.
by livesoft
Mon Oct 09, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: How to handle a large ETF purchase?
Replies: 6
Views: 497

Re: How to handle a large ETF purchase?

Name the ETF and I can tell you what I would do. There are other threads asking the same question, so let me see if I can find them. THere are so many threads, you should probably do the search yourself, I used low volume ETF orders as my search term. If trades are free, then practice with different...
by livesoft
Mon Oct 09, 2017 7:51 am
Forum: Investing - Theory, News & General
Topic: And the Nobel Memorial Prize in Economic Sciences goes to [Richard Thaler]
Replies: 80
Views: 6547

And the Nobel Memorial Prize in Economic Sciences goes to [Richard Thaler]

Richard Thaler. Now he doesn't have to be one of the panelists without a Nobel Prize or standing alone in the corner at a cocktail party with the others. I think what pushed him over the top was his role in "The Big Short" or maybe it was the Bogleheads wiki: https://www.bogleheads.org/wiki/Richard...
by livesoft
Mon Oct 09, 2017 2:32 am
Forum: Investing - Help with Personal Investments
Topic: I could use some advice on my IRA situation. Not sure what to do.
Replies: 15
Views: 1360

Re: I could use some advice on my IRA situation. Not sure what to do.

In 2012, I made too much money from my job and my brokerage account, (where the rest of the money from the inheritance went) from Capital Gains to deduct the $5,000, so I stopped contributing all together. 3. You are probably able to directly contribute to a Roth IRA, so you should open a Roth IRA ...
by livesoft
Mon Oct 09, 2017 12:48 am
Forum: Investing - Help with Personal Investments
Topic: I could use some advice on my IRA situation. Not sure what to do.
Replies: 15
Views: 1360

Re: I could use some advice on my IRA situation. Not sure what to do.

Do I just sell the stocks from WFA and pay the tax? Can I transfer in kind and then just open up a Target Date Fund and then pay any sort of taxes after? Any help and ideas would be greatly appreciated! I have no debt and my gross income is 60k.[/size] You seem to have a traditional IRA held at Wel...
by livesoft
Sun Oct 08, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Currency exchange
Replies: 8
Views: 778

Re: Currency exchange

I just use an ATM in the foreign country to get foreign-currency cash, but I also try to not do that by using only a credit card. I think that in most foreign countries one can actually operate cash-less just like in the US. Name your foreign country or countries and folks will comment.
by livesoft
Sun Oct 08, 2017 5:01 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing - Personal Philosophies
Replies: 43
Views: 3598

Re: Rebalancing - Personal Philosophies

Excellent question! I don't rebalance based on any calendar date. I rebalance based on tight asset allocation bands,so when bands are triggered, then I rebalance. I also rebalance into equities on really bad days and I rebalance out of bonds when bonds have a really good day. I also rebalance when I...
by livesoft
Sun Oct 08, 2017 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Taxes for taxable account
Replies: 12
Views: 1267

Re: Taxes for taxable account

I don't know your salary, but you could contribute 90% of your paychecks for the rest of the year in order to add money to your 401(k).

If you ask me, "How will I live if I get a paycheck for $0.00 each payday?", then my answer would be "You have $80K in cash, so use it."
by livesoft
Sun Oct 08, 2017 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Grandad gifted FAGIX in UTMA account
Replies: 16
Views: 1236

Re: Grandad gifted FAGIX in UTMA account

Our only beef with the FFNOX used to be the expense ratio for the fund, ... The net expense ratio of FFNOX is 0.11%, and that includes the expenses of the underlying funds. So if that's your beef, I don't know what to say except that you have gone off the deep edge. I don't think one should keep FF...
by livesoft
Sun Oct 08, 2017 12:54 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9212

Re: Buy on Really Bad Days, Sell on Really Good Days?

Yeah, and they found the strategy had no merit - That is a gross mischaracterization of all the strategies backtested in that thread. I don't think anyone who doesn't pay attention to detail or has reading comprehension issues should be doing any of these things and they shouldn't be market timing ...
by livesoft
Sun Oct 08, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Tax basis after death of spouse
Replies: 7
Views: 959

Re: Tax basis after death of spouse

Both are correct. Tax laws (especially about step-up basis) depend on which state one is a taxpayer (resident).
by livesoft
Sun Oct 08, 2017 11:17 am
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9212

Re: Buy on Really Bad Days, Sell on Really Good Days?

If you say so. I linked a thread where someone else (not me) tested a strategy. That's "peer review." You wouldn't believe any of my back tests anyways and I wouldn't expect you to. Anybody doing this kind of test had better be capable of doing their own backtesting or they shouldn't be doing this s...
by livesoft
Sun Oct 08, 2017 11:02 am
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9212

Re: Buy on Really Bad Days, Sell on Really Good Days?

avalpert wrote:
Sun Oct 08, 2017 10:57 am
Well said.
I agree that no one should be using Fourier analysis and looking for periodic past patterns in the stock market in order to predict future periodic patterns in the stock market. I don't think that's what this thread is about either.
by livesoft
Sun Oct 08, 2017 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Grandad gifted FAGIX in UTMA account
Replies: 16
Views: 1236

Re: Grandad gifted FAGIX in UTMA account

I would still recommend FFNOX and tax-gain harvesting up to the kiddie-tax limits each year. The main reason is simplicity. A secondary reason is that it is a Fidelity fund of index funds that is passively-manage, low-expense ratio and basically inline with Granddad's Fidelity philosophy. A portfoli...
by livesoft
Sun Oct 08, 2017 7:23 am
Forum: Personal Finance (Not Investing)
Topic: PostDoc Grant - No W/H, Didn't Pay Estimated Taxes
Replies: 20
Views: 1755

Re: PostDoc Grant - No W/H, Didn't Pay Estimated Taxes

Uh, she doesn't have to change her withholding. Since you all are married, YOU change your withholding to help pay the family taxes.
by livesoft
Sun Oct 08, 2017 7:22 am
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 103
Views: 6090

Re: Has your "risk tolerance" been tested?

I am quite satisfied with my asset allocation and my tolerance for risk has been tested a number of ways. Sure, there's 1987, 2000, 2008-2009 all of which I made sure to buy more equities at market lows in order to maintain my asset allocation. But have you bought equities at market highs? And have ...
by livesoft
Sun Oct 08, 2017 5:06 am
Forum: Investing - Help with Personal Investments
Topic: Grandad gifted FAGIX in UTMA account
Replies: 16
Views: 1236

Re: Grandad gifted FAGIX in UTMA account

That's what I would do. I'll suggest FFNOX as the index fund to exchange into. Check it out.
by livesoft
Sun Oct 08, 2017 4:36 am
Forum: Investing - Theory, News & General
Topic: What is a “bond bubble”?
Replies: 35
Views: 3223

Re: What is a “bond bubble”?

I am assuming (someone correct me if I am wrong) that a passive bond fund would generally hold all their bonds until maturity. That is probably not true because a long-term bond fund will not hold its bonds to maturity. And an intermediate-term bond fund will probably sell some of its bonds to a sh...
by livesoft
Sun Oct 08, 2017 4:25 am
Forum: Investing - Theory, News & General
Topic: What is a “bond bubble”?
Replies: 35
Views: 3223

Re: What is a “bond bubble”?

A bond bubble is a kind of literary device used to generate readers and page views and thus income for writers of financial porn. With bond funds dropping about 4% in the last 6 months of 2016 and dropping 1% in the past month, I'm not sure that writers are using this literary device correctly. Howe...
by livesoft
Sat Oct 07, 2017 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: UGMA/UTMA
Replies: 2
Views: 193

Re: UGMA/UTMA

There isn't a "best place." A 529 plan is a better place account for a college fund and I would start there. If you already have 529 plan going, then let's discuss.

Generally, a good 529 plan will depend on state income tax breaks, so what state income taxes are you paying?
by livesoft
Sat Oct 07, 2017 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: buy home with 10% or 20% down in this situation?
Replies: 17
Views: 1336

Re: buy home with 10% or 20% down in this situation?

I would not withdraw and pay penalties and taxes from a retirement account. That just seems like throwing away money.

You might consider refinancing the first condo to get cash out.

Are you able to get a loan from your 403(b)?

What are your withdrawal rules from the 457?
by livesoft
Sat Oct 07, 2017 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Keeping Tabs on Investment Accounts
Replies: 13
Views: 1136

Re: Keeping Tabs on Investment Accounts

e-mail. Any activity creates an e-mail that we get.
by livesoft
Sat Oct 07, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Reconsidering my 401k Bond options - thoughts?
Replies: 2
Views: 175

Re: Reconsidering my 401k Bond options - thoughts?

The 1.31% yield of the SV fund is after the 0.77% expenses. I don't think i would use any of those fixed income options in your 401(k) plan myself. Can you automate exchanges in your rollover IRA so that things do what you want, but without you being involved? More specifically automate this: 401(k)...
by livesoft
Sat Oct 07, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Options in Fidelity Brokerage Account
Replies: 15
Views: 802

Re: Help with Options in Fidelity Brokerage Account

Distributions made by a mutual fund come usually in at least two forms: Dividends and capital gains distributions. A tax-efficient fund will usually still have dividends distributed, but will not have capital gains distributed.
by livesoft
Sat Oct 07, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Options in Fidelity Brokerage Account
Replies: 15
Views: 802

Re: Help with Options in Fidelity Brokerage Account

One can look up the past history of distributions made by Contrafund quite readily. No guessing is required.
by livesoft
Sat Oct 07, 2017 2:23 pm
Forum: Investing - Theory, News & General
Topic: Length of bull market become more risky?
Replies: 15
Views: 1540

Re: Length of bull market become more risky?

TheHouse7 wrote:
Sat Oct 07, 2017 1:45 pm
What about markets that gain more than 10%+ a year? We are taught to acknowledge mean reversion, but are we suppose to ignore it during the accumulation phase?
10% a year is the long-term average, isn't it? So nothing to see here.
by livesoft
Sat Oct 07, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Options in Fidelity Brokerage Account
Replies: 15
Views: 802

Re: Help with Options in Fidelity Brokerage Account

I am wondering if the best bet would be to use just the FSTVX fund for this investment of around $200,000. Or do you have other suggestions that are not index funds that I should look at. I have also invested in the Fidelity Contrafund in my IRA, albeit has a higher E/R 0.68 and a turnover of 29% -...
by livesoft
Sat Oct 07, 2017 1:34 pm
Forum: Investing - Theory, News & General
Topic: Relative Importance of Savings Rate, Asset Allocation, and Investment Selection
Replies: 21
Views: 1701

Re: Relative Importance of Savings Rate, Asset Allocation, and Investment Selection

The returns from Vanguard are legit, but for a different date range than I used from morningstar.com. Both LifeStrategy funds use the same funds, so their difference in return cannot be attributed to investment selection which is as you see. You might compare VSMGX, VBIAX, and DGSIX to see how diffe...
by livesoft
Sat Oct 07, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: Length of bull market become more risky?
Replies: 15
Views: 1540

Re: Length of bull market become more risky?

I don't think so. Things can tread water for quite a while and after a number of years it will be the same as if there was no bull market. You know, market returns are 1% a year for 8 years. That would still be a bull market.
by livesoft
Sat Oct 07, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 91
Views: 8812

Re: Flagship Reps

IMHO the Bogleheads beats a roomful of Turbo Super Platinum Flafship Level Vanguard reps hands down. :D I agree. The Vanguard folks can't help you with your weeds, dishwasher, air conditioner, roof, trees, cars, refrigerator, toilets, and strange noises in your attic. They are practically useless.
by livesoft
Sat Oct 07, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5717

Re: Roof shingles do not match - Neighbor sent notice

Your neighbor may have a brain tumor, but medical advice is off limits for this forum.
by livesoft
Sat Oct 07, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Compare VSCSX and VBIRX in "reach for yield"
Replies: 4
Views: 181

Re: Compare VSCSX and VBIRX in "reach for yield"

Vanguard has something like 9 different short-term bond funds. You can chart them all at morningstar.com The one with the highest performance can be said to have the highest risk. You can dial in any risk level you want by selecting one single fund or combining 2 or more funds. It's not rocket scien...
by livesoft
Sat Oct 07, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio balancing - what is your best move?
Replies: 11
Views: 1301

Re: Portfolio balancing - what is your best move?

With all those Vanguard equity funds available I am surprised that you didn't list a bond fund. I'd make those 2 small tax-deferred accounts 100% a low-expense-ratio, passively-managed bond fund. Then you would not have to make any transactions in them except contributions. They would be in "set-and...
by livesoft
Sat Oct 07, 2017 10:12 am
Forum: Investing - Theory, News & General
Topic: Relative Importance of Savings Rate, Asset Allocation, and Investment Selection
Replies: 21
Views: 1701

Re: Relative Importance of Savings Rate, Asset Allocation, and Investment Selection

"[R]eturn variability" is NOT the actual return. So that Brinson study is often misquoted that asset allocation sets return. Asset allocation sets how much one's return varies over time: "variation in a portfolio's quarterly returns." Clearly, 100% cash should have a very low variation quarter-to-qu...
by livesoft
Fri Oct 06, 2017 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax to offer free “credit freeze” for life
Replies: 43
Views: 3530

Re: Equifax to offer free “credit freeze” for life

I'm thinking this is for the life of Equifax which might die pretty soon anyways.
by livesoft
Fri Oct 06, 2017 11:06 pm
Forum: Investing - Theory, News & General
Topic: Relative Importance of Savings Rate, Asset Allocation, and Investment Selection
Replies: 21
Views: 1701

Re: Relative Importance of Savings Rate, Asset Allocation, and Investment Selection

What do you mean by "success"? I've been around long enough to know that people will have the allocation they want because that's what they want. So someone will feel successful with a 30% stock allocation and someone else will feel successful with a 90% stock allocation and someone else will feel s...