Search found 65712 matches

by livesoft
Thu May 02, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: Areas similar to Jungfrau region in terms of transportation
Replies: 23
Views: 1543

Re: Areas similar to Jungfrau region in terms of transportation

Not sure why posters are extolling the wonderfullness of public transit in big cities. I certainly didn't mean to exclude non-cities in my comment. I've used busses & trains in many countries when outside of major metropolitan areas. The key is to try to do some research ahead of time, but to also ...
by livesoft
Thu May 02, 2019 4:49 pm
Forum: Personal Consumer Issues
Topic: Areas similar to Jungfrau region in terms of transportation
Replies: 23
Views: 1543

Re: Areas similar to Jungfrau region in terms of transportation

My experience in Europe is that all the countries have excellent inter-connected transportation systems. Not highlighted in this thread are busses. I routinely used busses when I lived and travelled in Europe. Very often the bus schedules were co-ordinated with the trains, subways, U-bahns, trams, a...
by livesoft
Thu May 02, 2019 3:46 pm
Forum: Personal Investments
Topic: Fidelity Bond Fund for 3 Fund Portfolio
Replies: 4
Views: 485

Re: Fidelity Bond Fund for 3 Fund Portfolio

After Fidelity reps give you some ideas, then I suggest you check back here to ask if the ideas given make sense for you or not.
by livesoft
Thu May 02, 2019 3:40 pm
Forum: Personal Investments
Topic: Portfolio Realignment Nightmare
Replies: 11
Views: 1128

Re: Portfolio Realignment Nightmare

You are in luck as noted by the other respondents: You don't have a nightmare because your investments are in in Roths, so there are no tax consequences to just sell and invest in what you want. So, do this: 1. Sell everything you don't want. 2. Invest the money in something that you want. It is rea...
by livesoft
Thu May 02, 2019 2:21 pm
Forum: Personal Investments
Topic: Fidelity Bond Fund for 3 Fund Portfolio
Replies: 4
Views: 485

Re: Fidelity Bond Fund for 3 Fund Portfolio

I would not own FXNAX in a taxable account in the OP's tax situation. I do own FXNAX in an inherited IRA. I am not familiar with other Fidelity funds, but Fidelity is supposed to have a great web site and good customer service, so what how does Fidelity help clients with such questions? Do the Fidel...
by livesoft
Thu May 02, 2019 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Breaking away from VG PA - Help need with balance
Replies: 17
Views: 1268

Re: Breaking away from VG PA - Help need with balance

What is a "401K taxable IRA" please?

If it is actually a tax-deferred 401(k), then I would not use SSMHX in it, but instead use a bond fund. What funds are available in that account? Then I would not use bond funds in your taxable account nor in your Roth account(s).
by livesoft
Thu May 02, 2019 11:52 am
Forum: Non-US Investing
Topic: Downshift ("Barista FI") while consulting and raising kids? [Switzerland]
Replies: 77
Views: 5622

Re: Downshift ("Barista FI") while consulting and raising kids? [Switzerland]

FWIW, there is no employer-provided healthcare in Switzerland - everyone buys individual policies on an ACA-like regulated marketplace and costs are affordable. Also, don't think OP has indicated their or spouse's nationality(ies). If from a neighboring country eg, "expat" may be an overstatement. ...
by livesoft
Thu May 02, 2019 10:18 am
Forum: Non-US Investing
Topic: Downshift ("Barista FI") while consulting and raising kids? [Switzerland]
Replies: 77
Views: 5622

Re: Downshift ("Barista FI") while consulting and raising kids? [Switzerland]

I would think better questions to ask might be something like: Does any ex-pat married couple (with kids) each work essentially part-time with a combined income of about $50K a year and live in Europe (specifically Switzerland) and have their act together? How do you cover health insurance and retir...
by livesoft
Thu May 02, 2019 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Breaking away from VG PA - Help need with balance
Replies: 17
Views: 1268

Re: Breaking away from VG PA - Help need with balance

What is my best path to simplify, self-manage and get the best possible return for the lowest cost (least amount of capital gain for 2019)? Thank you in advance for guidance and direction. I know I'm at the right place. Your portfolio as listed is uncomplicated and simple. Your best past to simplif...
by livesoft
Thu May 02, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Breaking away from VG PA - Help need with balance
Replies: 17
Views: 1268

Re: Breaking away from VG PA - Help need with balance

MotoTrojan wrote:
Wed May 01, 2019 3:09 pm
3% was actually a very impressive return for 2018. Even with dividends considered the S&P500 didn’t even get to -4% (yes, a loss).
3% yield is not the same at 3% total return.
by livesoft
Thu May 02, 2019 7:49 am
Forum: Non-US Investing
Topic: Downshift ("Barista FI") while consulting and raising kids? [Switzerland]
Replies: 77
Views: 5622

Re: Downshift ("Barista FI") while consulting and raising kids? [Switzerland]

I kinda don't get the point of this thread. The OP is asking us to judge them, but they shouldn't care whether they are judged by strangers nor friends.

FWIW, I enjoyed life while raising kids. I even cut my income in half when they were in their early teens and earned even less later on.
by livesoft
Wed May 01, 2019 5:47 pm
Forum: Personal Investments
Topic: Tax Question - Retired and now 59 1/2.
Replies: 11
Views: 1370

Re: Tax Question - Retired and now 59 1/2.

I never ask on the internet "what are my taxes?" Instead, I use tax-prep software to actually calculate my taxes and to estimate my taxes for all kinds of various situations and decisions that I make for the coming year. I have done Roth conversions in the past, but now I am having my spouse do Roth...
by livesoft
Wed May 01, 2019 2:49 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 219
Views: 23421

Re: What is your AA, given your age? and, Why?

Hi livesoft, just curious, about what age were you when you moved to 60/40? My wife and I are in our late 40s and have about $750k between 401k and Roth IRAs, starting to think more about protecting what we have, thinking about moving to a 60/40 AA. Thanks. I don't remember exactly, but maybe I pos...
by livesoft
Wed May 01, 2019 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Unable to create account on ssa.gov
Replies: 15
Views: 1105

Re: Unable to create account on ssa.gov

Write your Congressperson and have them take care of it.
by livesoft
Tue Apr 30, 2019 5:57 pm
Forum: Personal Consumer Issues
Topic: 4 Gorgeous Beach Towns Where You Can Comfortably Retire on $40,000 a Year
Replies: 55
Views: 7862

Re: 4 Gorgeous Beach Towns Where You Can Comfortably Retire on $40,000 a Year

I am amused.

I have vacationed near Corpus Christi for 40 years. There is no way to describe it as "Gorgeous." However, it is probably true that you can retire there on $40K a year if you have health insurance (Medicare) covered.
by livesoft
Tue Apr 30, 2019 10:13 am
Forum: Investing - Theory, News & General
Topic: DFA, small value, large value performance
Replies: 6
Views: 497

Re: DFA, small value, large value performance

If one tilts to small and/or value, then I think one should not expect a buy & hold mentality for those investments works or holds. One has to actively sell when they go higher than a total stock market index fund and buy when they go lower than a total stock market index fund. Thus, I don't worry a...
by livesoft
Tue Apr 30, 2019 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Tax Questions on Roth IRA Conversion and Qualified Dividends
Replies: 21
Views: 870

Re: Tax Questions on Roth IRA Conversion and Qualified Dividends

[*]
mauwong wrote:
Tue Apr 30, 2019 8:34 am
Yeah, I have TurboTax Deluxe (desktop) which I initially used to run the number. [...]
... to get back to basic and attempt to understand the mechanics behind it.
That where you PRINT OUT your tax returns and go through them perhaps with instructions in hand.
by livesoft
Tue Apr 30, 2019 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Tax Questions on Roth IRA Conversion and Qualified Dividends
Replies: 21
Views: 870

Re: Tax Questions on Roth IRA Conversion and Qualified Dividends

I also recommend that you use tax prep software such at TurboTax or HRBlock. Get the desktop (aka download) version and install it on your home computer. That way, you can run many many "What if?" scenarios and also print out the completed forms to look at side-by-side with different scenarios. As a...
by livesoft
Tue Apr 30, 2019 7:56 am
Forum: Personal Consumer Issues
Topic: Kids fishing gear
Replies: 23
Views: 1073

Re: Kids fishing gear

We live between two ponds stocked with fish for catch and release. Our kids grew up fishing whenever they wanted to. We never spent more than about $15 for children's kit of rod/reel/line/hooks/bobbers (at Academy as linked before only even more lower end). If they want to get serious they could sav...
by livesoft
Tue Apr 30, 2019 4:09 am
Forum: Investing - Theory, News & General
Topic: Alpha Architect: Buyer Beware:The Reality Of Tax Loss Harvesting Benefits
Replies: 22
Views: 2097

Re: Alpha Architect: Buyer Beware:The Reality Of Tax Loss Harvesting Benefits

We are no longer in the accumulation stage. Any distributions we get in our taxable account are not reinvested. We have no positions acquired in the past 3 years in our taxable account, so no opportunities for tax-loss harvesting in 2018 at all. I hope to have no opportunities to TLH going forward f...
by livesoft
Mon Apr 29, 2019 6:38 pm
Forum: Personal Consumer Issues
Topic: Is the United Airlines Online Reservation System Confusing, or Is It Me?
Replies: 17
Views: 1186

Re: Is the United Airlines Online Reservation System Confusing, or Is It Me?

I also used United.com to change a flight and book an additional flight. It was easy because I do this all the time.

But just because United.com is terrible to you does not mean that all the other airline web sites are not more terrible. Did you compare?
by livesoft
Mon Apr 29, 2019 1:24 pm
Forum: Investing - Theory, News & General
Topic: Alpha Architect: Buyer Beware:The Reality Of Tax Loss Harvesting Benefits
Replies: 22
Views: 2097

Re: Alpha Architect: Buyer Beware:The Reality Of Tax Loss Harvesting Benefits

Although they define tax-loss harvesting somewhat differently than described at bogleheads.org, their conclusion is valid: We would avoid tax loss harvesting unless one of the following conditions applies to your portfolio: Most of the conditions that they go on to list have been mentioned in this t...
by livesoft
Mon Apr 29, 2019 8:30 am
Forum: Personal Investments
Topic: ROTH 401k withdrawal when you hit 59 1/2
Replies: 9
Views: 592

Re: ROTH 401k withdrawal when you hit 59 1/2

How does one withdraw from their 401K - is it sell funds every month as on-needed basis? It will depend on the rules for one's 401(k). Many 401(k)s do not allow for monthly withdrawals. Many do not allow partial withdrawals. If so, then a rollover to an IRA is required for folks who want to do that...
by livesoft
Mon Apr 29, 2019 7:51 am
Forum: Personal Investments
Topic: ROTH 401k withdrawal when you hit 59 1/2
Replies: 9
Views: 592

Re: ROTH 401k withdrawal when you hit 59 1/2

Since a Roth 401(k) can be rolled over to a Roth IRA, here is what I am going to do: 1. I am going to avoid withdrawing from my Roths until I absolutely need money to pay expenses without increasing my taxes. 2. I am going to withdraw from my traditional IRAs and taxable accounts first in a manner t...
by livesoft
Mon Apr 29, 2019 7:46 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2019 BOGLEHEAD CONTEST [Entry deadline has passed]
Replies: 697
Views: 15207

Re: REGISTRATION FOR 2019 BOGLEHEAD CONTEST [Entry deadline has passed]

Thanks for the responses. I am very familiar with probability distributions, log loss, etc and was thinking of something not dissimilar. I will start a new thread later this summer on such a scoring and a new contest. I guess that as far as this thread goes, there is no nudging toward avoiding behav...
by livesoft
Mon Apr 29, 2019 6:36 am
Forum: Personal Investments
Topic: Have one 401k at Fidelity, another 401k elsewhere. Looking to roll both into Fidelity IRA
Replies: 18
Views: 1168

Re: Have one 401k at Fidelity, another 401k elsewhere. Looking to roll both into Fidelity IRA

I would at least find out if your new-in-June 401(k) is good enough and allows a rollover of old 401(k)s into it before I made a decision.
by livesoft
Mon Apr 29, 2019 6:32 am
Forum: Personal Investments
Topic: Why wait to sell individual stock?
Replies: 8
Views: 972

Re: Why wait to sell individual stock?

Would a sale be affected by the additional 3.8% Net Investment Income Tax?
https://www.irs.gov/taxtopics/tc559

Or bump one from the 15% LTCG tax rate to a higher LTCG tax rate?
by livesoft
Sun Apr 28, 2019 8:56 pm
Forum: Personal Investments
Topic: Will I Pay Tax If I Sell Unappreciated Shares?
Replies: 4
Views: 395

Re: Will I Pay Tax If I Sell Unappreciated Shares?

can I sell $3000 and not realize a taxable gain? No, you cannot given the facts as you stated them. If you are in the 0% long-term capital gains tax bracket in the tax year that you sell the shares, then you may not have to pay any capital gains taxes. Your title though asks a different question th...
by livesoft
Sun Apr 28, 2019 8:51 pm
Forum: Personal Investments
Topic: Have one 401k at Fidelity, another 401k elsewhere. Looking to roll both into Fidelity IRA
Replies: 18
Views: 1168

Re: Have one 401k at Fidelity, another 401k elsewhere. Looking to roll both into Fidelity IRA

Help me understand something: Do you work and do you have an employer-sponsored 401(k) plan at your work and is it at Fidelity? Or do you have 2 old 401(k)s and don't have a 401(k) at your current job?
by livesoft
Sun Apr 28, 2019 8:41 pm
Forum: Investing - Theory, News & General
Topic: Why so many Vanguard Funds and ETFs if their motto is simplicity and to hold.
Replies: 19
Views: 1508

Re: Why so many Vanguard Funds and ETFs if their motto is simplicity and to hold.

There are many many more investors who do not follow the tenets of Bogleheads than there are investors who do. So why wouldn't Vanguard want to get them as clients?
by livesoft
Sun Apr 28, 2019 7:39 pm
Forum: Personal Investments
Topic: 42 and 39 years old, 2 kids, Please advice on Retirement/ Asset Allocation/ Tuition
Replies: 28
Views: 3197

Re: 42 and 39 years old, 2 kids, Please advice on Retirement/ Asset Allocation/ Tuition

Since you intend to retire at age 60, I would not be using Roth 401(k) at all, but would use 401(k) and invest the tax-savings in a taxable account tax-efficiently. In the age range of 60 to 70, one can do Roth conversions while in a lower tax bracket.

That's we did and do.
by livesoft
Sun Apr 28, 2019 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Texas: how to hold title to home
Replies: 5
Views: 551

Re: Texas: how to hold title to home

A friendly e-mail sent me this link for you: https://www.lonestarlandlaw.com/Joint-tenancy.html and also this link: http://www.texassageproperties.com/homeowner-info/common-ways-of-holding-title Our home in Texas has my spouse and I both on the title and is held as "joint tenancy with right of survi...
by livesoft
Sun Apr 28, 2019 5:16 pm
Forum: Personal Investments
Topic: The Heck with it. Keeping it simple with Munis
Replies: 12
Views: 1494

Re: The Heck with it. Keeping it simple with Munis

We cannot predict the future, so I'm agnostic on "Terrible idea?"
by livesoft
Sun Apr 28, 2019 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5139

Re: Texas property tax protest

Given your comps, why shoot for $125/sq ft since it is clearly the highest? I think you overpaid. And don't forget that YOUR house is a comp, too, if it was purchased recently.

Anyways, I would shoot for $99/sq ft or even $82/sq ft myself. No guts; no glory. :)
by livesoft
Sun Apr 28, 2019 3:53 pm
Forum: Personal Investments
Topic: monthly fund picking
Replies: 7
Views: 637

Re: monthly fund picking

One could do worse, so go for it.
by livesoft
Sun Apr 28, 2019 3:52 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2019 BOGLEHEAD CONTEST [Entry deadline has passed]
Replies: 697
Views: 15207

Re: REGISTRATION FOR 2019 BOGLEHEAD CONTEST [Entry deadline has passed]

I am reading Daniel Crosby's The Behavioral Investor which discusses Overconfidence and its subtypes. These contest threads should be changed to help people overcome some behavioral traps rather than enhancing them. One way to improve this contest would be to have people provide RANGE for the closin...
by livesoft
Sun Apr 28, 2019 3:31 pm
Forum: Personal Investments
Topic: 42 and 39 years old, 2 kids, Please advice on Retirement/ Asset Allocation/ Tuition
Replies: 28
Views: 3197

Re: 42 and 39 years old, 2 kids, Please advice on Retirement/ Asset Allocation/ Tuition

It sure reads like you are paying way too much in income taxes if you are really in the 22% tax bracket. Here is what a family making your income should be paying: Almost nothing. The thread that describes how your family can do it: "Taxes on a family with $200,000 gross income." You have to get tha...
by livesoft
Sun Apr 28, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5139

Re: Texas property tax protest

... young appraisal district lady who brought up the comparisons. I was dead meat as soon as I walked in. One can know what their comparisons are before you walk in or even protest. You should research their comps and have a reason why those comps are incorrect. For example, one of the comps might ...
by livesoft
Sun Apr 28, 2019 2:40 pm
Forum: Personal Investments
Topic: Trying to understand the foreign tax credit
Replies: 8
Views: 722

Re: Trying to understand the foreign tax credit

I'm confused by the following two comments (quotes below). I have an international fund in my Roth. It pays dividends. I know it'd be better in a taxable account where I could qualify for foreign tax credit. But because it's in a Roth, I don't get that. But I don't pay [US] taxes on any gains or di...
by livesoft
Sun Apr 28, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Advice
Replies: 10
Views: 1124

Re: Financial Advice

See also tfb's web site where one can pay for him to find you such an advisor.
by livesoft
Sun Apr 28, 2019 12:20 pm
Forum: Personal Investments
Topic: Trying to understand the foreign tax credit
Replies: 8
Views: 722

Re: Trying to understand the foreign tax credit

I know I am missing something here as to why international is better in a taxable account but I can't see what it is. You are missing that sometimes the internet has incorrect information. International is not necessarily better in a taxable account. Taxpayers need to "run the numbers" for their pe...
by livesoft
Sun Apr 28, 2019 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5139

Re: Texas property tax protest

imo that make no sense. there should not be a property that had value go down over that time period. that has to be an outlier. any property ive ever looked at in DFW has not gone down in value (whether assessed or market comp). Especially not in Southlake or Plano areas Yes, the one on the left is...
by livesoft
Sun Apr 28, 2019 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5139

Re: Texas property tax protest

As someone who just applied for a job in TX, I have to ask about these outrageous property taxes. Do they go up every year? Is personal property taxes in Texas high as well? I live in Arkansas, where they tax you on everything, including income. It seems AR is death by a thousand cuts and TX is jus...
by livesoft
Sun Apr 28, 2019 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Daughter's First Job
Replies: 45
Views: 3653

Re: Daughter's First Job

beyou wrote:
Sun Apr 28, 2019 5:30 am
Yet you have no problem giving advice to strangers ?
I like that, thanks! I give my daughter and son advice all the time when it will make a difference.
by livesoft
Sat Apr 27, 2019 10:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Lowers 21 ETF Expense Ratios
Replies: 76
Views: 7390

Re: Vanguard Lowers 21 ETF Expense Ratios

@Gleevec, I am no uber-fan of Vanguard and don't have a lot of money invested with them. I don't think anyone on this forum can legitimately accuse me of giving Vanguard a pass. Just ask around. :)

Your seriously paragraph was spot on.
by livesoft
Sat Apr 27, 2019 10:15 pm
Forum: Personal Investments
Topic: Solo 401 k
Replies: 17
Views: 1073

Re: Solo 401 k

When a one-participant 401k plan has a year-ending balance > $250K, the plan must file a Form 5500-EZ by the last day of the seventh month after year-end. For a calendar year plan, that is July 31st (7/31). Well, we know that it doesn't have to be a Form 5500-EZ. but could be another Form 5500 such...
by livesoft
Sat Apr 27, 2019 10:11 pm
Forum: Personal Investments
Topic: Protection in the event of a bad ETF transaction
Replies: 3
Views: 384

Re: Protection in the event of a bad ETF transaction

The trade would be busted if it executed at one cent or so far away from a legit value. Google "busted trades" and see for yourself.
by livesoft
Sat Apr 27, 2019 7:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Lowers 21 ETF Expense Ratios
Replies: 76
Views: 7390

Re: Vanguard Lowers 21 ETF Expense Ratios

Gleevec wrote:
Sat Apr 27, 2019 4:40 pm
... for some is a way better deal.

... and that’s a tragedy
What is the dollar amount of "a way better deal"?

What is the dollar amount of "a tragedy"?

Let's get serious.
by livesoft
Sat Apr 27, 2019 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter's First Job
Replies: 45
Views: 3653

Re: Daughter's First Job

People sometimes learn from their mistakes. If this was my daughter, I would not offer any advice from me personally. She would have to get advice from elsewhere: friends, the internet, even Mom.
by livesoft
Sat Apr 27, 2019 1:17 pm
Forum: Personal Investments
Topic: Early Retirement Fixed Annuity?
Replies: 9
Views: 697

Re: Early Retirement Fixed Annuity?

Where did this idea come from? What's wrong with a money market fund or a ladder of US Treasuries or a ladder of CDs or an online savings account?