Search found 56068 matches

by livesoft
Fri Oct 06, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Best credit cards for our college kids? (credit building)
Replies: 9
Views: 584

Re: Best credit cards for our college kids? (credit building)

We didn't help our kids get credit cards and they have been overseas. They got Discover cards on their own. They got fed up with their parents seeing what they were doing with their bank accounts, so they got their own bank accounts, too.
by livesoft
Fri Oct 06, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: what if I forget my security questions?
Replies: 19
Views: 1352

Re: what if I forget my security questions?

I've forgotten my security questions, so I call them up and they reset everything for me. It is really that easy. Then they send a letter to my address and tell me that they had someone call them up. I didn't try to change my address or anything, so I guess that's why they complied. Another time at ...
by livesoft
Fri Oct 06, 2017 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Aggressive portfolio: most weight to emerging markets
Replies: 9
Views: 924

Re: Aggressive portfolio: most weight to emerging markets

Hi folks, I was just wondering why most 'aggressive' funds still allocate most of the money to the more safe indexes like Total Stock Market or MSCI World instead of emerging markets. This is where the highest returns are in the long-run, right? Your ideas? One only needs to look at the so-called P...
by livesoft
Thu Oct 05, 2017 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Did Backdoor Roth, but there's 35 cents left in TIRA
Replies: 8
Views: 762

Re: Did Backdoor Roth, but there's 35 cents left in TIRA

Vanguard won't move it as shown by many other posts.
by livesoft
Thu Oct 05, 2017 10:21 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9169

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

Or your rebalancing strategy could just be to check your portfolio balances once a year, or or once every X months. No need to check markets every day for single percentage moves, what a pain in the rear... I don't have to check because I get an alert on my smart phone for things like that. Since I...
by livesoft
Thu Oct 05, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Did Backdoor Roth, but there's 35 cents left in TIRA
Replies: 8
Views: 762

Re: Did Backdoor Roth, but there's 35 cents left in TIRA

Thanks for the update. I'd say keep trying every day until it works.
by livesoft
Thu Oct 05, 2017 9:50 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9169

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

Before the end of the year, I will start a thread titled "Sell on Really Bad Days, Buy on Really Good Days?" This could happen for folks who rebalance based on a calendar date. Or maybe one noticed over the weekend that they hit a trigger for too much equities, so they submit an order Sunday night t...
by livesoft
Thu Oct 05, 2017 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Did Backdoor Roth, but there's 35 cents left in TIRA
Replies: 8
Views: 762

Re: Did Backdoor Roth, but there's 35 cents left in TIRA

Seems like some folks have contacted Vanguard who swept the cents over to the Roth. Should I call Vanguard directly? Can this also be done by repeating the "Convert to Roth IRA" steps again just for the 35 cents? Also, is there any weirdness with this 35 cents regarding converting? I know I can onl...
by livesoft
Thu Oct 05, 2017 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 4943

Re: Anyone go 100% Ally or another online bank for all banking needs?

I consider all banks to be online banks nowadays. Some online banks have buildings, too.

Or do banks exist that don't have web sites and ways for clients to conduct transactions via the internet?
by livesoft
Thu Oct 05, 2017 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: 401k
Replies: 2
Views: 291

Re: 401k

Congrats! It is testimonials like yours that will inspire others to keep plugging away for lower fees in their employer-sponsored retirement plans.
by livesoft
Thu Oct 05, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Capital Service
Replies: 8
Views: 1017

Re: Personal Capital Service

^That story makes me think that person already had a new job lined up at Schwab.
by livesoft
Thu Oct 05, 2017 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring Account from ML to Vanguard
Replies: 12
Views: 703

Re: Transferring Account from ML to Vanguard

People move inherited assets all the time, so it should come as no surprise to anyone at ML that you are moving the assets. I would just move the assets, then call and sell the last remaining assets and move the cash. But I see no reason to dollar-cost average into the new positions if the money was...
by livesoft
Thu Oct 05, 2017 5:12 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9169

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

I confess I sold something in an act of rebalancing and it went up another 1% the next day! Did I lose money?
by livesoft
Thu Oct 05, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Selling stocks to buy Vanguard Funds
Replies: 9
Views: 810

Re: Selling stocks to buy Vanguard Funds

Only you can answer your question. If stock markets are going to go up, then your stocks will just be creating a bigger tax headache for you. You said though "tens of thousands" and not "hundreds of thousands", so I will infer that you have less than $100,000 in stocks and that the gains are no more...
by livesoft
Thu Oct 05, 2017 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Capital Service
Replies: 8
Views: 1017

Re: Personal Capital Service

Since no one responded, I did a google search with site:bogleheads.org "personal capital" "worth it?" and got this: https://www.bogleheads.org/forum/viewtopic.php?t=220106 and https://www.bogleheads.org/forum/viewtopic.php?t=173616 and https://www.bogleheads.org/forum/viewtopic.php?t=141644 there ar...
by livesoft
Thu Oct 05, 2017 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Tax issue - misc (self employment?) income
Replies: 5
Views: 314

Re: Tax issue - misc (self employment?) income

Schedule C-EZ is trivial to fill out, so not overkill. At least one should read the instructions for this form.
by livesoft
Thu Oct 05, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9169

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

I noticed today looked like another really good day. Did more rebalancing today in another account. Watch out because the "definition" police will be along shortly to jump on you. After all, there is no way today was a "really good day" number-wise. It has been an up day for sure, but really good? ...
by livesoft
Thu Oct 05, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you think the money will come from to move the overall market higher?
Replies: 31
Views: 2234

Re: Where do you think the money will come from to move the overall market higher?

Everybody who lost something in the bad weather (fires, hurricanes, earthquakes, floods, etc) will tap into their emergency funds to replace what they lost. So money in savings accounts gets put back into the economy and into companies which will affect stock prices. Also people tend to spend money ...
by livesoft
Thu Oct 05, 2017 11:25 am
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9169

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

In fact, the only times I have seen ... You must've missed some other threads then. I have mentioned this one a few times and the purple line: https://www.bogleheads.org/forum/viewtopic.php?p=2962157#p2962157 Knock yourself out with the testing. Somehow I don't think you will do any testing whatsoe...
by livesoft
Thu Oct 05, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Newsletter vs. Indexing
Replies: 8
Views: 741

Re: Newsletter vs. Indexing

Have you actually determined the performance of your existing Roth IRA? People can say anything they want to about performance, but I think you should want to deal with facts. What is the actual performance of your Roth that has been invested according to your FIL's suggestions? And in order to calc...
by livesoft
Thu Oct 05, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3797

Re: How do you value your time?

It depends on what I am going to do with the time that is saved when one pays for convenience.
by livesoft
Thu Oct 05, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Personal Capital Service
Replies: 8
Views: 1017

Re: Personal Capital Service

While folks are waiting to respond, there are a few threads on the bogleheads.org forum about this that you might want to read.
by livesoft
Thu Oct 05, 2017 10:06 am
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9169

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

So I ask again, other than buy now and sell later - what other strategy are we recommending when we say 'buy low, sell high' that isn't likely to nudge someone towards market timing or emotional selling (as in the OP of this thread). I would think that more emotional selling occurs on a really bad ...
by livesoft
Thu Oct 05, 2017 10:04 am
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9169

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

Isn't the whole Buy on Really Bad Days, Sell on Really Good Days? philosophy at odds with Bogleheads mentality of buy and hold? There is no "buy and hold" mentality. There is the Bogleheads mentality of "Buy, Hold, and Rebalance" and this is perfectly in line with that philosophy. It is right there...
by livesoft
Thu Oct 05, 2017 8:29 am
Forum: Investing - Theory, News & General
Topic: Crisis of Confidence - Choosing Bond allocations in portfolio
Replies: 24
Views: 1814

Re: Crisis of Confidence - Choosing Bond allocations in portfolio

Maybe off the subject a bit but what are thoughts on using a pension as part of the bond allocation? I am not doing this but I have considered it. One can do anything they want to do. If one's pension or social security or annuity payout covers one's required expenses or more, then I can see why on...
by livesoft
Thu Oct 05, 2017 6:49 am
Forum: Investing - Theory, News & General
Topic: Case Study: Broker speed of dividend payments
Replies: 82
Views: 14504

Re: Case Study: Broker speed of dividend payments

Re: Bond ETF dividends I noticed a difference between the Payable Dates for the BND and AGG dividends in early October. Both went ex-dividend on October 2. The iShares AGG has October 6th as the Payable Date while the Vanguard BND has October 5th which is one day earlier. Other Vanguard bond ETFs al...
by livesoft
Thu Oct 05, 2017 5:55 am
Forum: Investing - Help with Personal Investments
Topic: Retiree looking for advice
Replies: 6
Views: 1100

Re: Retiree looking for advice

What you have described for asset allocation is just a Vanguard Target Retirement fund, so I think you should just invest in a Vanguard Target Retirement fund. The Target Retirement 2020 fund is about 50% equities and 50% bonds. As for the Invest now or wait? question, I guess I would want to know w...
by livesoft
Thu Oct 05, 2017 5:46 am
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion and Recharacterization [theory] ?
Replies: 34
Views: 1918

Re: Roth Conversion and Recharacterization ?

I am still employed for 2017 but completed my first Roth Conversion in October. Normally I do not need to worry about Est Tax payments, my withholding is sufficient. The Conversion however will require me to make an additional Estimated Tax Payment (Jan 16, 2018). Assuming I pay enough in this Est ...
by livesoft
Thu Oct 05, 2017 5:29 am
Forum: Investing - Help with Personal Investments
Topic: Comments on my DFA/IFA-100 portfolio clone
Replies: 6
Views: 583

Re: Comments on my DFA/IFA-100 portfolio clone

I think we all agree that one can mimic an IFA / DFA portfolio without using DFA funds. This has been shown by a few discussions on the forum. @CRTR, the following thread has links to IFA / DFA videos about Managing Expectations which are worthwhile viewing [again if you have already viewed them]: h...
by livesoft
Wed Oct 04, 2017 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Comments on my DFA/IFA-100 portfolio clone
Replies: 6
Views: 583

Re: Comments on my DFA/IFA-100 portfolio clone

So this is a 100% equity portfolio and at least for 2017 YTD has trailed a total market weight benchmark performance by about 4%, right? One might call this a huge tracking error. I guess I wouldn't want a small-cap and value-tilted portfolio unless it does at least as well as a total market weighte...
by livesoft
Wed Oct 04, 2017 10:02 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9169

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

This might be an appropriate video for readers of this thread:
https://www.youtube.com/watch?v=dAcHfymgh4Y

And to make it not a naked link, it is Firesign Theatre "Everything You Know is Wrong". Enjoy.
by livesoft
Wed Oct 04, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: TLTD - Int'l Developed Small/Value Tilt Fund
Replies: 9
Views: 705

Re: TLTD - Int'l Developed Small/Value Tilt Fund

For me too low is less than 100,000 shares average a day and/or less than $10 million a day.

Why? Because I don't ever want to find myself in the position of owning or having to trade 5% of the average for the day.
by livesoft
Wed Oct 04, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio update/advice. Also: What do you do when you feel the urge to "buy something"?
Replies: 12
Views: 1178

Re: Portfolio update/advice. Also: What do you do when you feel the urge to "buy something"?

I have no spare cash around. My asset allocation calls for no cash ever. That's what 0% allocation in cash means. If I get some cash, then the cash goes into equity funds or bond funds practically immediately.
by livesoft
Wed Oct 04, 2017 9:15 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9169

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

I don't care about buying low relative to yesterday - I care about buying low relative to tomorrow (well, maybe not the literal tomorrow but you know what I'm saying). Interesting because I don't care about buying low relative to the future because I assume that will always happen. If I didn't assu...
by livesoft
Wed Oct 04, 2017 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio update/advice. Also: What do you do when you feel the urge to "buy something"?
Replies: 12
Views: 1178

Re: Portfolio update/advice. Also: What do you do when you feel the urge to "buy something"?

We don't spend all the dividends that our portfolio generates, so we have do something with the cash. That is, I have to "buy something." But without any dividends showing up, there is no cash sitting around, so there is no urge to "buy something." And there is no urge to sell anything unless my ass...
by livesoft
Wed Oct 04, 2017 8:13 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9169

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

I think that is pretty laughable when you see it arose in the context of a 'strategy' to sell on a reactionary basis to daily movements with no reference to valuation at all. I am also laughing. Thanks! Folks around here are told to make purchases when they have the money without any reference to v...
by livesoft
Wed Oct 04, 2017 8:08 pm
Forum: Investing - Theory, News & General
Topic: Throwing Down with a Primerica Advisor
Replies: 45
Views: 3223

Re: Throwing Down with a Primerica Advisor

And don't forget to compute the taxes paid along the way with the funds you are comparing. The after-tax returns can be outstandingly different from the published returns.
by livesoft
Wed Oct 04, 2017 6:03 pm
Forum: Investing - Theory, News & General
Topic: Sequence of returns and retirement
Replies: 8
Views: 1021

Re: Sequence of returns and retirement

I'm not a spreadsheet person, but a spreadsheet and information to test everything is available here: https://earlyretirementnow.com/2016/12/07/the-ultimate-guide-to-safe-withdrawal-rates-part-1-intro/ The series of articles even discusses Monte Carlo Simulation and using Historical data. I would no...
by livesoft
Wed Oct 04, 2017 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Efficiency Bucket Question (Bonds in Tax Advantaged or Taxable Account)
Replies: 5
Views: 330

Re: Tax Efficiency Bucket Question (Bonds in Tax Advantaged or Taxable Account)

One will have more tax-loss harvesting opportunities with volatile tax-efficient equity funds in taxable than they would with bonds in taxable. It turns out it is very good to lose money from time to time -- especially when you can make other taxpayers pay for your losses. This is just another way t...
by livesoft
Wed Oct 04, 2017 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Fund Changes
Replies: 4
Views: 909

Re: Vanguard Target Fund Changes

Vanguard has no responsibility for this, but your employer does. Did your employer not tell anyone? That's not good even though it is an improvment.
by livesoft
Wed Oct 04, 2017 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique my portfolio
Replies: 3
Views: 370

Re: Please critique my portfolio

Questions: 1. Which is the better Vanguard Stock Index fund? Extended market or Institutional? None of them are "better." See https://www.bogleheads.org/wiki/Approximating_total_stock_market I think you will want to have some of both of them. 2. Which Vanguard bonds should I use in my 403b? Is ther...
by livesoft
Wed Oct 04, 2017 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Options in Fidelity Brokerage Account
Replies: 15
Views: 799

Re: Help with Options in Fidelity Brokerage Account

You should learn about taxes and then look at this wiki article about index funds at Fidelity:
https://www.bogleheads.org/wiki/Fidelity
by livesoft
Wed Oct 04, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Driving from Boise to Missoula: Best Route?
Replies: 11
Views: 799

Re: Driving from Boise to Missoula: Best Route?

Without even looking at a map before I respond, I would suggest checking on wildfires when making plans.
by livesoft
Wed Oct 04, 2017 1:34 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9169

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

I will write that there is at least one Really Good Day strategy, but readers of this thread probably won't like it. Here it is: 1. Exchange from bond funds into the equity ETF that has had a Really Bad Day. This will increase one's asset allocation to equities and reduce one's asset allocation to b...
by livesoft
Wed Oct 04, 2017 12:52 pm
Forum: Investing - Theory, News & General
Topic: Crisis of Confidence - Choosing Bond allocations in portfolio
Replies: 24
Views: 1814

Re: Crisis of Confidence - Choosing Bond allocations in portfolio

I bought bond funds today and was quite confident doing so. After all, bond funds have dropped about 1% in the past month. They are practically on sale. How often do bond funds drop 1% in less than a month? I can tell you they might do that after they go up 1% in a week. :twisted: Here's a chart sho...
by livesoft
Wed Oct 04, 2017 12:42 pm
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9169

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

Selling the instant it goes up 2% in a given day does not seem to be a reliable way to sell high. This is an excellent observation. Since the stock market is expected to go up (otherwise why would we want to invest at all), this idea to sell just because something goes up 2% or 3% or 10% is probabl...
by livesoft
Wed Oct 04, 2017 11:26 am
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9169

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

The topic of the post is buying on really bad days and selling on really good days. So please explain to me how you know which it will be in advance? Who cares that they know in advance? In fact, the whole point of this thread is that one doesn't need to know anything in advance. One only needs to ...
by livesoft
Wed Oct 04, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Are you investing in Emerging Market small caps?
Replies: 25
Views: 1690

Re: Are you investing in Emerging Market small caps?

Since I am selling shares of DGS this week, I should post that EVERYBODY should be buying shares of EM small caps and LOTS of them. :)
by livesoft
Wed Oct 04, 2017 9:14 am
Forum: Investing - Theory, News & General
Topic: Does anyone hold cash?
Replies: 58
Views: 5547

Re: Does anyone hold cash?

I have essentially no cash. I received cash dividends on Monday and I reinvested them. I hate cash.

There are lots of threads about cash at bogleheads.org. Some people love it. Some people hate it. Some are in-between. It's a psychological thing.

Do you have any physical gold? :twisted: