Search found 61940 matches

by livesoft
Sat Sep 08, 2018 1:42 am
Forum: Personal Finance (Not Investing)
Topic: new homes being built next door, effect on value of my home?
Replies: 20
Views: 2053

Re: new homes being built next door, effect on value of my home?

So what did the developer pay for the old homes/lots/tear-downs? What were their condition compared to your home? Comparables. Comparables. Comparables.
by livesoft
Sat Sep 08, 2018 12:18 am
Forum: Investing - Help with Personal Investments
Topic: Can you hold treasuries and/or CDs in a 401k account?
Replies: 7
Views: 615

Re: Can you hold treasuries and/or CDs in a 401k account?

I have an individual 401(k) at TDAmeritrade and have purchased CDs years ago and Treasuries in 2018, so not a probem. My spouse has a self-directed brokerage account associated with her employer's 401(k), so also no problem purchasing these things. There are no IRS regulations to prevent this. The p...
by livesoft
Fri Sep 07, 2018 10:46 pm
Forum: Investing - Theory, News & General
Topic: Does market timing have to be perfect to be effective?
Replies: 35
Views: 2453

Re: Does market timing have to be perfect to be effective?

And here is an article about the Lucky and the Unlucky that is applicable to the readers of this thread. Check out "The experimental design may seem a little silly, a superficial way to distinguish the fortunate from the unfortunate." https://nautil.us/blog/-the-key-to-good-luck-is-an-open-mind Sinc...
by livesoft
Fri Sep 07, 2018 10:06 pm
Forum: Personal Consumer Issues
Topic: Yellowstone and Grand Teton must see and do
Replies: 22
Views: 1761

Re: Yellowstone and Grand Teton must see and do

Re: Cell coverage. Some of the Visitor Centers and lodges have coverage. Employee housing has wireless coverage, so if you know where it might be (secret! not marked!), then you can get some. Sometimes the lodges charge for wireless. But if you are expecting to use maps that are not already download...
by livesoft
Fri Sep 07, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 55
Views: 3581

Re: Subaru: Crosstrek or Outback?

Outback with CVT has paddle shifters, so one can "manually" shift even with the automatic transmission. Don't like the gear that the transmission has for you, then shift up or down. I would even guess that on a test drive, this may not be demonstrated to you nor the reasons why you might want to do ...
by livesoft
Fri Sep 07, 2018 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale rules
Replies: 9
Views: 551

Re: Wash sale rules

The OP's scenario is a wash sale. It is right there in IRS Publication 550 as an example of wash sale. The loss from selling in taxable is disallowed.
by livesoft
Fri Sep 07, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 48
Views: 3926

Re: Recommend a good SOCK. Yes, I said SOCK!

GoldToe Acrylic for me as mentioned in other threads. But there are many versions of GoldToe Acrylic socks. I just read a book with a chapter on socks. I learned a few things. One version of socks is padded by weaving in lots of small loops inside the sock. Another version has a tighter weave (flat ...
by livesoft
Fri Sep 07, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 55
Views: 3581

Re: Subaru: Crosstrek or Outback?

I bought an Outback partially because it was smaller than any car I've had since 2002.
by livesoft
Fri Sep 07, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 55
Views: 3581

Re: Subaru: Crosstrek or Outback?

Just a note: The Subaru Outback (and probably the Crosstek) does NOT have those parking assist sensors on the front bumper. That is, you will not get any beeps as you get too close to the car/wall/structure close to the front of the car. My other thought is just go test drive the cars yourself and d...
by livesoft
Fri Sep 07, 2018 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]
Replies: 57
Views: 4145

Re: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]

"Retirement account" could be a company-sponsored 401(k) and not a solo 401(k). A Vanguard solo 401(k) apparently cannot have Admiral funds anyways. I can see where a company-sponsored 401(k) would not allow conversion to ETFs and would not allow transfer of funds in-kind out of Vanguard while still...
by livesoft
Fri Sep 07, 2018 6:31 pm
Forum: Investing - Theory, News & General
Topic: Does market timing have to be perfect to be effective?
Replies: 35
Views: 2453

Re: Does market timing have to be perfect to be effective?

MJW wrote:
Fri Sep 07, 2018 2:10 pm
If I recall correctly you tend to move in and out of certain sectors/facets of the market based on RBDs. You say you make the moves temporarily - how temporary do they tend to be?
This is a trade secret. Temporary could be 1 day to 3 weeks so far.
by livesoft
Fri Sep 07, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: Does market timing have to be perfect to be effective?
Replies: 35
Views: 2453

Re: Does market timing have to be perfect to be effective?

Among the problems with market timing, is it has a negative expectation from the get-go because of spreads, broker commissions, and taxes. See? This is exactly the kind of false misinformation that I wrote about earlier in this thread. There are no broker commissions anymore and no taxes. Spreads a...
by livesoft
Fri Sep 07, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: Does market timing have to be perfect to be effective?
Replies: 35
Views: 2453

Re: Does market timing have to be perfect to be effective?

I do a little bit of market timing. Of course, market timing does not have to perfect to be effective. However, market timing that loses money is also a possibility. Nevertheless, many people seem to assume that market timing should get one 10% or more extra per year. The reality is probably that ma...
by livesoft
Fri Sep 07, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: time for new pair of glasses
Replies: 36
Views: 2485

Re: time for new pair of glasses

I saw all the raves about Warby Parker. I went to their website and to their store. They are not inexpensive. Practically any other place will have less expensive glasses I think.
by livesoft
Fri Sep 07, 2018 8:45 am
Forum: Investing - Help with Personal Investments
Topic: What sort of account could my MIL have just set up for my husband?
Replies: 5
Views: 589

Re: What sort of account could my MIL have just set up for my husband?

My MIL always put one of her children on each of her checking accounts without telling them. She also liked to open CDs at various banks around her town. No one knew where she had all her accounts. She would also go to different hospitals to keep her children from knowing she had medical problems.
by livesoft
Fri Sep 07, 2018 6:51 am
Forum: Investing - Help with Personal Investments
Topic: Question about tax loss harvesting
Replies: 3
Views: 247

Re: Question about tax loss harvesting

No wash sale if you sell all the shares bought in the past 30 days, too.

The exchange of VTIAX to VFWAX has been a very popular tax-loss harvesting move reported on bogleheads.org.
by livesoft
Thu Sep 06, 2018 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Changing Bond Market ETFs
Replies: 4
Views: 530

Re: Changing Bond Market ETFs

I suggest you don't make any trades. You have not given any compelling reason at all to make any changes. I own lots of VBTLX (aka BND), VBMFX, SPAB, FLRN, BIL, VCSH along with some AGG, BND, and FBIDX. They are spread among accounts at different financial institutions. I would not just sell one to ...
by livesoft
Thu Sep 06, 2018 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Psychology of saving for college vs retirement
Replies: 66
Views: 3913

Re: Psychology of saving for college vs retirement

I suppose if one was not employed when their children went to college, then financial aid would be easier to get than if they were fully employed. That assumes that their are no other assets like a million dollar taxable account or 529 assets to pay college expenses. Thus, I would discount job loss ...
by livesoft
Thu Sep 06, 2018 9:05 pm
Forum: Investing - Theory, News & General
Topic: Wisdom Tree
Replies: 6
Views: 738

Re: Wisdom Tree

Yep, DGS can lose money with the best of 'em.
by livesoft
Thu Sep 06, 2018 8:32 pm
Forum: Investing - Theory, News & General
Topic: Wisdom Tree
Replies: 6
Views: 738

Re: Wisdom Tree

I haven't reviewed any Wisdom Tree information. I own a Wisdom Tree ETF: DGS in order to help fulfill my emerging markets small-cap asset slice. I love its volatility and the ease of trading it.
by livesoft
Thu Sep 06, 2018 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8097

Re: Scaring the Old Folks

I've had 6 restaurant-prepared meals just this week for $22. You must eat like a mouse, livesoft! :P I would like to know what those meals were :-) Well, readers of the forum already know that 3 of them were each a third of a Chipotle sofritas bowl. :) Another 3 were each a third of a great TexMex ...
by livesoft
Thu Sep 06, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: Bike computer or Apple Watch?
Replies: 49
Views: 3312

Re: Bike computer or Apple Watch?

I have an old Garmin non-GPS watch that connects to chest strap and sensors on crank arm and wheel. I like to see my heart rate and cadence. I also do not put watch on my wrist when I ride, but strap it to handlebar where it cycles through a set of custom displays quick enough so I don't have to wai...
by livesoft
Thu Sep 06, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Planner really expensive?
Replies: 19
Views: 2000

Re: Financial Planner really expensive?

I have never seen Financial Engines advice that made sense to me. Do you have any examples of the kind of advice you would get please?
by livesoft
Thu Sep 06, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Am I thinking about this correctly ...Taxes and DAF
Replies: 3
Views: 328

Re: Am I thinking about this correctly ...Taxes and DAF

So with $13.5K in other deductions that you would not make use of with the $24K standard deduction, any charitable deduction of more than $10.5K gets you more money. But in years where you don't itemize, you use the standard deduction and get a "free" extra $10.5K deduction. The way I calculate thin...
by livesoft
Thu Sep 06, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Am I thinking about this correctly ...Taxes and DAF
Replies: 3
Views: 328

Re: Am I thinking about this correctly ...Taxes and DAF

If I took a fund from my taxable brokerage account with say $20K in LT cap gains and moved to DAF for a 2 year distribution plan. I am reducing my potential future tax hit by $3500 (15%). This is not quite correct. The donation would usually be more than $20K to get that LT cap gains unless the Cos...
by livesoft
Thu Sep 06, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Psychology of saving for college vs retirement
Replies: 66
Views: 3913

Re: Psychology of saving for college vs retirement

When the time comes, our plan is stop retirement funding and cash flow for college. And then the family will get education tax credits such as the American Opportunity Tax Credit, so the $30K mentioned by the OP will really be $27,500. Don't forget that even today $18,500 into a 401(k) plus two Rot...
by livesoft
Thu Sep 06, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: New Bike Suggestion
Replies: 40
Views: 2889

Re: New Bike Suggestion

cyclist wrote:
Thu Sep 06, 2018 3:14 pm
Well, you're getting a lot of good advice here -- and most of it is probably highly appropriate to the people who are giving it. It's hard to sort out what's relevant to your specific needs.
No kidding.
by livesoft
Thu Sep 06, 2018 3:01 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 292
Views: 56096

Re: I'm Calling an Emerging Markets Bottom

wolf359 wrote:
Thu Sep 06, 2018 1:53 pm
After peaking in January, they've been on a steady decline all year.
That is not a true statement. There were some nice 4% to 6% pops this year after January. That is, the decline has not been steady.
by livesoft
Thu Sep 06, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: How do you handle Healthcare costs in retirement
Replies: 31
Views: 2571

Re: How do you handle Healthcare costs in retirement

Just like before retirement we do not have an account earmarked for health care. What for? We are not going to forego health care, so we just pay deductibles and out-of-pocket health care expenses from the portfolio just like we would pay taxes or food or car expenses.
by livesoft
Thu Sep 06, 2018 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8097

Re: Scaring the Old Folks

What's with all the bashing of eating out? It's one of the things that cannot be shipped overseas nor replaced with AI algorithms. Plus eating out is very cheap if one brings home the leftovers. Take-out is even cheaper. And think of all the time savings: Less shopping. Less time preparing. No time ...
by livesoft
Thu Sep 06, 2018 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Avoiding wash sales issues with taxable and non-IRA retirement accounts
Replies: 30
Views: 1857

Re: Avoiding wash sales issues with taxable and non-IRA retirement accounts

If you care about this, then exchange ALL the VTSAX in the retirement account temporarily into something else. The next day, sell VTSAX at a loss in taxable. Wait at least 31 days and exchange back into VTSAX. Another possibility is to use Specific Identification and only sell shares of VTSAX in tax...
by livesoft
Thu Sep 06, 2018 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: How to model a portfolio
Replies: 10
Views: 748

Re: How to model a portfolio

This is exactly what people use to see if their mutual fund investments are on track to keep compounding at a rate that will allow them to retire. I see such software as a curiosity and flawed. I have never seen such software without big warnings and caveats. Even the Social Security announcements ...
by livesoft
Thu Sep 06, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Warning about "unsettled trade" problem with Vanguard
Replies: 9
Views: 1075

Re: Warning about "unsettled trade" problem with Vanguard

If you had made a cash contribution to your IRA from outside the account, then there would have been no violation, right?

The 90-day restriction is rather lame, too. You can still make transactions.
by livesoft
Thu Sep 06, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Yellowstone and Grand Teton must see and do
Replies: 22
Views: 1761

Re: Yellowstone and Grand Teton must see and do

abcd12345 wrote:
Thu Sep 06, 2018 11:05 am
How many days trip should be good for Yellowstone and Grand Teton?
Depends on you. For me, a minimum of 10 days, plus 4 more in the backcountry.
by livesoft
Thu Sep 06, 2018 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Psychology of saving for college vs retirement
Replies: 66
Views: 3913

Re: Psychology of saving for college vs retirement

We have four children, single earner household, good earnings, fairly modest lifestyle. We made our priority funding my retirement accounts, and had no savings for college education. When the children reached college age we reduced retirement contributions, cash-flowed the college expenses, the the...
by livesoft
Thu Sep 06, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: Good time to do value investing?
Replies: 37
Views: 2480

Re: Good time to do value investing?

Not sure about small, but in the US large growth has outperformed large value over the last 10yrs as far as I understand, and as Nedsaid has also said above. So what? If all the outperformance is attributed to the first and second year of that 10 years, that would mean doodly-squat to me and would ...
by livesoft
Thu Sep 06, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]
Replies: 57
Views: 4145

Re: Vanguard Bars me from changing from admiral share to etf status

Here is what I understand so far:

Vanguard has locked you out of your accounts and will not let you make any transactions and will not let you even move your assets to another financial institution.

If that's the case, it makes sense that they won't let you convert Admiral to ETFs.
by livesoft
Thu Sep 06, 2018 10:23 am
Forum: Investing - Theory, News & General
Topic: Good time to do value investing?
Replies: 37
Views: 2480

Re: Good time to do value investing?

The OP has misinterpreted the recent historical record. Value has had some great performances recently. Morningstar.com tells me that IJS (small-cap value index) was up 39% in 2013, 31% in 2016, more than 10% in 2017, and more than 13% so far in 2018. There is a thread on asset class performance sta...
by livesoft
Thu Sep 06, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Yellowstone and Grand Teton must see and do
Replies: 22
Views: 1761

Re: Yellowstone and Grand Teton must see and do

We went at this time of year. Everything will change with the weather and health of participants. Grand Teton: Snake River float early to help acclimate to altitude. Grand Teton: Hike to Inspiration Point or higher. Play with moose at Moose Lake and bears at higher elevation. Yellowstone: Hike aroun...
by livesoft
Thu Sep 06, 2018 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Psychology of saving for college vs retirement
Replies: 66
Views: 3913

Re: Psychology of saving for college vs retirement

ThankYouJack wrote:
Thu Sep 06, 2018 9:12 am
By the way, Jack Bogle himself doesn't fund a 529.
Isn't that a non sequitur since Jack Bogle's children have enough money to fund 529 plans for their children. We've seen a few threads where 529 plans were overfunded.
by livesoft
Thu Sep 06, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]
Replies: 57
Views: 4145

Re: Vanguard Bars me from changing from admiral share to etf status

Some types of Admiral funds are not eligible to convert to ETF status. So one would sell the Admiral shares and buy the ETF shares. Also one would have to open a Vanguard Brokerage Services brokerage account which some people are not eligible to do because of citizenship and residency requirements. ...
by livesoft
Thu Sep 06, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Psychology of saving for college vs retirement
Replies: 66
Views: 3913

Re: Psychology of saving for college vs retirement

staythecourse wrote:
Thu Sep 06, 2018 8:56 am
However, the advantages of the 529 are real for ALL, [...] Interesting to say the least.
I agree with what you wrote, but other ways of saving for college are even MORE advantageous, but folks who would benefit the most do not readily see that. And that's also part of the "Psychology."
by livesoft
Thu Sep 06, 2018 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Psychology of saving for college vs retirement
Replies: 66
Views: 3913

Re: Psychology of saving for college vs retirement

So ... have we come to the conclusion yet that 529 plans are scams to only be used by the wealthy? They have been set in place by wealthy politicians lobbied by the financial services industry. And other means of paying for college have been suppressed? For instance, when more education tax credits ...
by livesoft
Thu Sep 06, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Psychology of saving for college vs retirement
Replies: 66
Views: 3913

Re: Psychology of saving for college vs retirement

Savings bonds do the same as 529 but safer and with no penalty. And virtually no gains either (plus the income limitation which the family in the OP would probably meet). One could save/invest in a taxable account in equities and tax-loss harvesting built up over the years could also mitigate any n...
by livesoft
Thu Sep 06, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Psychology of saving for college vs retirement
Replies: 66
Views: 3913

Re: Psychology of saving for college vs retirement

Michread wrote:
Thu Sep 06, 2018 8:23 am
Not all states make 529 worthwhile aka non-taxable and many small companies do not offer retirement plans. So some are stuck with just $5500/yr IRA
Generally, folks in college will have two parents, so that's 2 times $5500 and 2 times $6500 if age 50 by Dec 31st.
by livesoft
Thu Sep 06, 2018 7:44 am
Forum: Investing - Help with Personal Investments
Topic: I-Bonds, 529s and college expenses of non-dependents
Replies: 9
Views: 798

Re: I-Bonds, 529s and college expenses of non-dependents

The exclusion of interest has an income limit for taxpayers. IRS wrote: Tax Year 2017 Income Limits For single taxpayers, the tax exclusion income limit is an adjusted gross income of $93,150 and above. For married taxpayers filing jointly, the tax exclusion income limit is an adjusted gross income ...
by livesoft
Thu Sep 06, 2018 6:47 am
Forum: Investing - Theory, News & General
Topic: Are the stock market movements really random?
Replies: 37
Views: 2803

Re: Are the stock market movements really random?

Don't be fooled. There are many other scenarios than the two that have been proposed at the start of this thread. And that's a big problem. People who ask this question on bogleheads.org often ignore all the other possible scenarios which dooms them. The future is unknown, so plan for all possible f...
by livesoft
Thu Sep 06, 2018 6:43 am
Forum: Investing - Theory, News & General
Topic: Stocks in a 401k is a bad idea, right?
Replies: 43
Views: 5521

Re: Stocks in a 401k is a bad idea, right?

RMDs is the difference.
by livesoft
Thu Sep 06, 2018 6:41 am
Forum: Personal Consumer Issues
Topic: How to "waste" money on groceries?
Replies: 109
Views: 9428

Re: How to "waste" money on groceries?

@burt, at least we are not alone on this, so there is some comfort in that.
by livesoft
Thu Sep 06, 2018 6:34 am
Forum: Investing - Help with Personal Investments
Topic: Psychology of saving for college vs retirement
Replies: 66
Views: 3913

Re: Psychology of saving for college vs retirement

.... Let's assume you're parents of about 35 years year age, two kids, college educated, family income of around 125K, fairly stable income. .... Cash flowing college to the tune of 30K/year (in today's dollar) isn't a realistic option in your mind given your family earnings projection, so you will...