Search found 62345 matches

by livesoft
Thu Oct 04, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Fungible taxable savings=what to do with Asset Allocation
Replies: 16
Views: 605

Re: Fungible taxable savings=what to do with Asset Allocation

My thoughts are put it all in equities in taxable. Put the bonds in the tax-deferred. I do exactly that. Shoulds bonds be in tax-deferred or in taxable? Same question with equities? Bonds can be in both tax-deferred and taxable. Equities can go anywhere. It will depend on one's income and how bond ...
by livesoft
Thu Oct 04, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Fungible taxable savings=what to do with Asset Allocation
Replies: 16
Views: 605

Re: Fungible taxable savings=what to do with Asset Allocation

My thoughts are put it all in equities in taxable. Put the bonds in the tax-deferred.

I do exactly that.
by livesoft
Thu Oct 04, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Carry On Luggage Recommendations
Replies: 39
Views: 2152

Re: Carry On Luggage Recommendations

Check out the other luggage threads. There are folks that spends hundreds on luggage and folks who spend almost nothing. I think the folks who buy new luggage on the cheap every few years have it right. That said, I have cheap luggage that is 24 years old and used often. As posted in other threads: ...
by livesoft
Thu Oct 04, 2018 8:50 am
Forum: Investing - Theory, News & General
Topic: Why Does Bogle Say Not Rebalancing Is Likely to Provide Higher Returns?
Replies: 3
Views: 665

Re: Why Does Bogle Say Not Rebalancing Is Likely to Provide Higher Returns?

If one starts at 60:40, then because equities typically outperform bonds, the allocation will drift over time to 65:35, then 70:30, ..., 80:20 and given enough time to 90:10 and beyond. With higher allocations to equities the long term return is expected to be higher. Of course, if one starts at 100...
by livesoft
Thu Oct 04, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: The Big Hack
Replies: 3
Views: 672

Re: The Big Hack

Bloomberg also published responses disputing their investigation:
https://www.bloomberg.com/news/articles ... ng-respond
by livesoft
Thu Oct 04, 2018 7:26 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond Fund in 401k
Replies: 9
Views: 797

Re: Total Bond Fund in 401k

The irony is .... Ha! Ha! I just looked at the performance differential between a Total US Bond Index fund and a money market fund for the past 1 year. The difference is 3.46%. Now compare that to the performance differential for the same time period between Total US Stock and Total Int'l Stock: 16...
by livesoft
Thu Oct 04, 2018 6:58 am
Forum: Investing - Theory, News & General
Topic: An RBD for long term bonds?
Replies: 4
Views: 375

Re: An RBD for long term bonds?

TLT inception date 2002/07/22, so 16 years ago. So 95 such days averages about 6 per year. That's too many to have that loss as an RBD. The loss has to be worse to give about 3 such days on average per year and some years with no such days.

Pre-market for TLT today doesn't look good.
by livesoft
Thu Oct 04, 2018 6:51 am
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 74
Views: 7866

Re: I see now why Rollovers can take FOREVER ....

Good luck! But also don't be afraid to call and get help with filling out any forms. Hold people accountable.
by livesoft
Thu Oct 04, 2018 6:30 am
Forum: Investing - Theory, News & General
Topic: An RBD for long term bonds?
Replies: 4
Views: 375

Re: An RBD for long term bonds?

I haven't looked at the historical record, but how many days in the past 10 years have these funds fallen more than 1.5%? And what did they do in the 3 to 30 days after such a one-day drop?
by livesoft
Thu Oct 04, 2018 5:48 am
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 3924

Re: Black suit with dark brown shoes?

Buy some black shoes on the trip and leave them behind. One can also rent shoes at the same place one rents a tuxedo.
by livesoft
Thu Oct 04, 2018 5:44 am
Forum: Investing - Help with Personal Investments
Topic: Best way to Invest 10 Million Portfolio at 40 without income
Replies: 56
Views: 8577

Re: Best way to Invest 10 Million Portfolio at 40 without income

When one realizes there is no such thing as an ideal portfolio except perhaps in hindsight, then one can be satisfied with any ol' portfolio composed of low-expense-ratio, passively-managed index funds. And over time, one can even change or evolve their portfolio since nothing is locked in. Given th...
by livesoft
Thu Oct 04, 2018 4:36 am
Forum: Investing - Theory, News & General
Topic: Key differences between investing philosophies: Swedroe vs. Bogle
Replies: 144
Views: 7591

Re: Key differences between investing philosophies: Swedroe vs. Bogle

But Rick Ferri, you have written and published entire books in the past that have essentially validated a strategy similar to that espoused by Larry Swedroe. I realize that one can change, but just dropping in on this thread and not covering your past ... is that fair and honest? Should we be burni...
by livesoft
Wed Oct 03, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: Found credit cards - annoying interaction with Bank of America
Replies: 31
Views: 3484

Re: Found credit cards - annoying interaction with Bank of America

I lost a credit card today along with $25. I discovered the loss about 15 minutes after it happened and went back to the location to look for them, but they were gone. Tonight I got a call and another runner had found them and wanted to return them. The credit card and the $25 are now back in my poc...
by livesoft
Wed Oct 03, 2018 7:57 pm
Forum: Investing - Theory, News & General
Topic: [CNBC article: Don't expect to retire at 70]
Replies: 60
Views: 6223

Re: Is this ignorance or intentionally misleading?

I think we need a new subforum: Fact Checking
by livesoft
Wed Oct 03, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond Fund in 401k
Replies: 9
Views: 797

Re: Total Bond Fund in 401k

If you could go back in time, then there WAS a better place to put your money in hindsight, but now that a total US Bond Index fund is at one of the lowest points of the year, I think it is a buying opportunity. Indeed, I bought more shares today. In your taxable account, your tax-exempt muni bond f...
by livesoft
Wed Oct 03, 2018 4:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. bonds in freefall
Replies: 44
Views: 7656

Re: U.S. bonds in freefall

That's hardly "freefall." As with all freefalls, they are all relative. Today was a big movement in bond fund NAV and ETF prices. One might ask: How many times each year does BND drop by 0.5% (intraday, not including going ex-dividend) in a single day from the previous close? I think the answer mig...
by livesoft
Wed Oct 03, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: With random sources of income, how do you know what you have to pay taxes on?
Replies: 12
Views: 813

Re: With random sources of income, how do you know what you have to pay taxes on?

Re: Many places will not send you a 1099 to report income to you if the amounts are small, say less than $600, so you have to keep track of EVERYTHING yourself. Many people have small notebooks or diaries that they write all this stuff down in, so that they can easily find the amounts later when the...
by livesoft
Wed Oct 03, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 11729

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

They got taken to the cleaners by the HVAC company. Not your problem.
by livesoft
Wed Oct 03, 2018 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing 401k funds
Replies: 6
Views: 570

Re: Choosing 401k funds

That doesn't sound right, so I would suggest confirming that one more time.
by livesoft
Wed Oct 03, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 11729

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

I wouldn't tell them to pound sand. Not responding at all is what I would do at least for a while.
by livesoft
Wed Oct 03, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 11729

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

I've not been in that situation, but if the facts are as you stated and the inspection showed no HVAC problems, then go to court. Also, one cannot usually get a full AC replaced in a day or so. Maybe the new owner's have a brother-in-law who is an HVAC guy and they did the same thing on the previous...
by livesoft
Wed Oct 03, 2018 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing 401k funds
Replies: 6
Views: 570

Re: Choosing 401k funds

It does make sense that the 2060 fund has a gross expense ratio so different from all the 20XX funds.

What is that "Net Asset Fee %"? Is it extra and added to the gross expense ratio? Or is the gross expense ratio included in the "Net Asset Fee %"?
by livesoft
Wed Oct 03, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Closing account with Morgan Stanley questionable fees
Replies: 7
Views: 603

Re: Closing account with Morgan Stanley questionable fees

No, he is pulling your leg to get the last chunk of flesh out of you. Transfer-in-kind and pay no commissions. Then sell at the new place.

I've never paid an ACAT fee either to transfer via ACAT.
by livesoft
Wed Oct 03, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Forcing Bonds Into Taxable - Which Fund?
Replies: 6
Views: 431

Re: Rebalancing Forcing Bonds Into Taxable - Which Fund?

Since you are doing Roth conversions and want to leave space for that in your income tax bracket, have you considered a national tax-exempt muni bond fund. Vanguard has them.
by livesoft
Wed Oct 03, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: With random sources of income, how do you know what you have to pay taxes on?
Replies: 12
Views: 813

Re: With random sources of income, how do you know what you have to pay taxes on?

Generally, you know because you have read the IRS rules about all this starting around when you were age 16 and got your first job or income. Many people read the instructions to Form 1040 Federal tax return and have it all figured out. You are at a slight disadvantage if you emigrated to the US tho...
by livesoft
Wed Oct 03, 2018 1:43 pm
Forum: Investing - Theory, News & General
Topic: A simple moving average timing model using stocks and treasuries
Replies: 36
Views: 2024

Re: A simple moving average timing model using stocks and treasuries

You go first with real money and your own portfolio.

I like to do market timing, but not with 50% of my portfolio.
by livesoft
Wed Oct 03, 2018 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Current VTSAX / VBILX allocation - where to send more cash?
Replies: 3
Views: 224

Re: Current VTSAX / VBILX allocation - where to send more cash?

It will depend on how much is in your portfolio right now. If you have only $10,000 invested, then split it into the 2 funds. If you have $1 million invested, then today will be a very good day to put $10,000 into VBILX.
by livesoft
Wed Oct 03, 2018 12:58 pm
Forum: Investing - Theory, News & General
Topic: Small Caps The Last Few Days
Replies: 3
Views: 547

Re: Small Caps The Last Few Days

One explanation is that they were a lot less the week before, so they are just fluctuating like they always do.
by livesoft
Wed Oct 03, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: Flattening yield curve
Replies: 55
Views: 4799

Re: FLATTENING YIELD CURVE

I don't know about a recession, but bond funds have dropped more than 0.4% today, so it is a buying opportunity!
by livesoft
Wed Oct 03, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Remember traveler's checks? How to cash a forgotten stash
Replies: 29
Views: 3418

Re: Remember traveler's checks? How to cash a forgotten stash

Can you use them to pay your next Visa card bill? You know, in the old days one would mail a check in with the statement. Pay all but $180 with online bill pay, then mail in your checks with "Payable to" filled out.
by livesoft
Wed Oct 03, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: how difficult is Form 1116 (foreign tax credit)
Replies: 12
Views: 611

Re: how difficult is Form 1116 (foreign tax credit)

^I learned that is wasn't just foreign dividends, but it was foreign qualified dividends, so that gives one more leeway. Now that more members of the forum know how to fill out a Form 1116 and how to use HRBlock and Intuit to file the Form, there really is no difficult for investors of ETFs and mutu...
by livesoft
Wed Oct 03, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: Key differences between investing philosophies: Swedroe vs. Bogle
Replies: 144
Views: 7591

Re: Key differences between investing philosophies: Swedroe vs. Bogle

But Rick Ferri, you have written and published entire books in the past that have essentially validated a strategy similar to that espoused by Larry Swedroe. I realize that one can change, but just dropping in on this thread and not covering your past ... is that fair and honest? Should we be burnin...
by livesoft
Wed Oct 03, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 209
Views: 14189

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

goldensam wrote:
Wed Oct 03, 2018 11:31 am
I live in Houston. .... Our high today is 89. With the heat and humidity, it says it currently feels like it is 96. At 11:30AM in October!
Yes, it is refreshingly cool today. That rain that moved through yesterday has really dropped the temps.
by livesoft
Wed Oct 03, 2018 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Tax Efficiency for accounts
Replies: 4
Views: 415

Re: Tax Efficiency for accounts

Since Wellington has a big chunk of bonds, I would not put it myself in a Roth IRA, but it is OK there --- especially if one doesn't like to see their Roth lose much money.
by livesoft
Wed Oct 03, 2018 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Forcing Bonds Into Taxable - Which Fund?
Replies: 6
Views: 431

Re: Rebalancing Forcing Bonds Into Taxable - Which Fund?

In taxable, have you been reinvesting dividends or doing something else with them? The reason I ask is that not reinvesting back into equity funds knocks down the value about 2% per year.
by livesoft
Wed Oct 03, 2018 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Too heavy on S/M cap??
Replies: 10
Views: 678

Re: Too heavy on S/M cap??

My philosophy is to buy low, so whatever is performing better doesn't get my attention. That said, I'm not always doing the right thing because folks say there is a Momentum effect.
by livesoft
Wed Oct 03, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 209
Views: 14189

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

Idaho is great, but in the context of winters in Iowa, you should know what I mean.
by livesoft
Wed Oct 03, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Simplyfing a "Financial Engines" portfolio
Replies: 3
Views: 530

Re: Simplyfing a "Financial Engines" portfolio

Just because a fund doesn't have "growth" in its name does not mean it is not a growth fund. To get to 10% bond, I'd simply sell all the equity holdings less than 2% and then some of the large-cap growth. I'd sell the rest of the large-cap growth and put in Total US stock market. There I got rid of ...
by livesoft
Wed Oct 03, 2018 8:09 am
Forum: Investing - Help with Personal Investments
Topic: VASGX + VSTMX Hybrid?
Replies: 9
Views: 572

Re: VASGX + VSTMX Hybrid?

I think the combo of a LifeStrategy fund and a Total US Stock Market Index fund is NOT overcomplicating things. The two together have a number of benefits 1. One can dial in the amount of international one wants, but if one wants no international, then use the Balanced Index fund. 2. One can put the...
by livesoft
Wed Oct 03, 2018 7:28 am
Forum: Personal Consumer Issues
Topic: Need Good Ankle Brace for Golfing - Recommendations Please!
Replies: 10
Views: 537

Re: Need Good Ankle Brace for Golfing - Recommendations Please!

In addition to the figure-8 brace, my surgeon suggested I wear a high-top boot for a while and not running shoes.

The staff at the surgeon let me try on braces for size and suggested I order from Amazon.
by livesoft
Wed Oct 03, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 74
Views: 7866

Re: I see now why Rollovers can take FOREVER ....

It's all done. My spouse received an e-mail from Vanguard on Monday October 1 that a check had arrived. Online on October 2 showed something pending. This morning October 3 showed the balance in a money market fund with a pseudo-hold until October 8. An exchange order to a bond fund was submitted th...
by livesoft
Wed Oct 03, 2018 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Wash sale question
Replies: 14
Views: 594

Re: Wash sale question

@birdsong, please do me a favor: Now e-mail or call up your Flagship rep and ask them about whether selling all Wellington in taxable today would create a wash sale. Thanks!
by livesoft
Wed Oct 03, 2018 7:10 am
Forum: Investing - Help with Personal Investments
Topic: In retirement
Replies: 22
Views: 2344

Re: In retirement

We might be able to infer some things about the OP's portfolio. With 10% of portfolio in cash/CDs and $11,000 in interest. One might figure out that the portfolio is at least $4 million if all the cash/CDs were in the taxable account. With such a large fraction of the portfolio in cash and bonds, I ...
by livesoft
Wed Oct 03, 2018 6:35 am
Forum: Investing - Help with Personal Investments
Topic: In retirement
Replies: 22
Views: 2344

Re: In retirement

Admiral wrote:
Wed Oct 03, 2018 6:31 am
livesoft: it may be "needless" (and I agree) but characterizing it as "huge" seems like a stretch.
I have to disagree. $4,000 is huge compared to $0. I don't have $4,000 to flush down the toilet.
by livesoft
Wed Oct 03, 2018 6:27 am
Forum: Investing - Help with Personal Investments
Topic: In retirement
Replies: 22
Views: 2344

Re: In retirement

That's a huge needless tax bill. Don't let anyone tell you that it is normal. The amounts of interest and dividend income suggest a rather large taxable portfolio as well. The capital loss of $-3,000 hints at a nice taxable portfolio, too. We have no way of knowing if the OP is spending $100,000 or ...
by livesoft
Tue Oct 02, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: Need Good Ankle Brace for Golfing - Recommendations Please!
Replies: 10
Views: 537

Re: Need Good Ankle Brace for Golfing - Recommendations Please!

My foot/ankle orthopedist recommended a specific kind of ankle brace. Why not call them up and ask them your question? They should even be able to send you a link to the exact one on Amazon.com. Tell them about the brace you got and see what they say about that.
by livesoft
Tue Oct 02, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: Finding a contractor for built-in bbq grill installation
Replies: 5
Views: 347

Re: Finding a contractor for built-in bbq grill installation

Call the place that you bought the grill from for advice on a contractor.
by livesoft
Tue Oct 02, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5349

Re: Root of Good's cost of raising a child: $3,300 per year

I think we can all agree that many families in the USA do not spend much on their children. We know what the poverty level is and many children live at or below the poverty level. One may not want their own children to live at the poverty level, but it happens for many others. Should that be inspira...
by livesoft
Tue Oct 02, 2018 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Combating Analysis Paralysis
Replies: 17
Views: 1856

Re: Combating Analysis Paralysis

Anybody who mentions Paul Merriman needs to read this thread:
viewtopic.php?t=38374

Also the momentum factor was not really investable when Merriman was cutting his teeth on portfolios, so there's that to analyze, too.