Search found 62366 matches

by livesoft
Sat Nov 10, 2007 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard International Options - And new name
Replies: 10
Views: 1999

Livesoft, I'm surprised you haven't paid the $50 to convert from TM Intl to VEA and then move it to WellsTrade. You would do better than break even in just the first tax loss harvesting event. I do not have a loss anymore, but I will keep that in mind for the future. I guess that in the back of my ...
by livesoft
Sat Nov 10, 2007 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard International Options - And new name
Replies: 10
Views: 1999

I own tax managed international. I bought it before VFWIX (aka VEU) was introduced. I'm sorry I bought it. The fee to sell prevented me from doing some tax-loss harvesting earlier this summer. I am not going to buy anymore tax-managed international, but will buy ETFs in this asset class going forwar...
by livesoft
Sat Nov 10, 2007 3:03 pm
Forum: Investing - Theory, News & General
Topic: Buying the dips: neither good nor bad, it seems to me
Replies: 71
Views: 16147

I thinking buying on dips is not like flipping a coin. The reason is that when you buy on a dip, you already know what the outcome of the coin flip was. To expound on this some more. If you are going to invest every month, you can have a simple rule: Invest on a day when the market is down by 1.5% o...
by livesoft
Sat Nov 10, 2007 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Finally leaving SMITH BARNEY!!! Need Help!!!
Replies: 20
Views: 4151

For banking, I can recommend WellsFargo, especially if there are any brick&mortar offices of WF in your parents area. WF has a PMA setup which not only has ALL the free banking stuff everyone expects (free checks, free online bill pay, free ATM, etc), but also gives one 100 free commissions per year...
by livesoft
Sat Nov 10, 2007 10:42 am
Forum: Investing - Help with Personal Investments
Topic: How can I fix this mistake?
Replies: 24
Views: 4816

Let's help Ella out a little bit more on this tax-loss thing. Like SpringMan's, my opinion is that she cannot sell VTSMX and immediately buy VTI and take the loss in VTSMX on her tax return this year. I believe this because VTI is just another share class of the exact same Vanguard fund. I also beli...
by livesoft
Sat Nov 10, 2007 9:50 am
Forum: Investing - Help with Personal Investments
Topic: How can I fix this mistake?
Replies: 24
Views: 4816

Another question: should I care about wash sales? I have lost <$1000 so far, and it's a short term loss - so would I even get a capital loss credit? (that is probably not the term for it, but hopefully you know what I mean) You should be aware of potential wash sales. One would occur if you purchas...
by livesoft
Sat Nov 10, 2007 8:04 am
Forum: Investing - Help with Personal Investments
Topic: High % in taxed; impact on SV tilt and AA decision?
Replies: 4
Views: 1021

We are in the 33% tax bracket. We try to minimize income that will appear on our Schedule B (interest & dividends) and Schedule D (realized capital gains). First, I think that one has to realize that even some of the so-called tax-efficient investments are going to give you significant Schedule B in...
by livesoft
Sat Nov 10, 2007 7:20 am
Forum: Investing - Help with Personal Investments
Topic: T Rowe Price Intl Discovery & taxes
Replies: 6
Views: 4318

Turnover can sometimes be misleading. I had 100% turnover in my DLS (small cap int'l) holding this summer. I sold all of it and replaced it with GWX. This will save me a few thousand dollars on taxes. The NAV of PRIDX is about 57, so you are looking at almost 10% of nav in projected distributions. I...
by livesoft
Fri Nov 09, 2007 7:39 pm
Forum: Investing - Theory, News & General
Topic: Straight From The Source: Jason Zweig
Replies: 7
Views: 3401

Great book! Everyone should read it! It's a top 5 book!
by livesoft
Fri Nov 09, 2007 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: I really think financials have been way oversold..
Replies: 34
Views: 7942

http://www.marketwatch.com/News/Story/n ... 194F2F6%7D

Stupid Investment of the Week from Chuck Jaffe
by livesoft
Fri Nov 09, 2007 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF Real Estate Annuity IRA - too expensive?
Replies: 18
Views: 3152

Anyone can open an IRA with TIAA-CREF. My question is whether the TIAA real estate annuity can be purchased by such an IRA or is this investment restricted to certain 403(b)s?
by livesoft
Fri Nov 09, 2007 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF Real Estate Annuity IRA - too expensive?
Replies: 18
Views: 3152

How are you eligible for the TIAA real estate annuity which is not to be confused with an annuity that contains the TIAA real estate securities fund (ticker TRRSX).

The difference in return between these two investments more than made up for 20 years of expense ratio charges.
by livesoft
Fri Nov 09, 2007 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice - moving funds from UBS to Vanguard
Replies: 4
Views: 1689

You can always give your fund shares with long term capital gains away to charity. That way you avoid any taxes on them. Do you do your own taxes perhaps with TurboTax? If so, you can run TT to see what your tax hit might be. You have some time to wait until the 2008 version comes out around Thanksg...
by livesoft
Fri Nov 09, 2007 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: How to help Dad escape bad ML broker
Replies: 19
Views: 4053

The muni bonds may be your dad's idea. My MIL was practically in the 0% tax bracket, but since she absolutely hated paying any kind of taxes, she only boughtt tax-exempt bonds. We could never convince her that she would have more after-tax money if she bought taxable bonds and just paid the taxes. S...
by livesoft
Fri Nov 09, 2007 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard all in one fund for retirement? what is best choice
Replies: 22
Views: 3840

I believe any single fund would be a poor choice in retirement. The reasons are taxes. Some assets are better kept in some accounts and some assets are better kept in other accounts. This has been discussed many times on this forum. Here is a Scott Burns article http://assetbuilder.com/blogs/scott_b...
by livesoft
Fri Nov 09, 2007 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Figuring AA: % in stock funds or % of stock funds in stock?
Replies: 11
Views: 1852

I'm using M* X-ray now. I believe in it even though it is probably wrong. If M* x-ray says I am 31.9458960551% cash, then that's what I have .... wait a minute, I found 3 cents and a 5 pound note and a 20 euro bill in my pocket. I have to recalculate ... let's see that makes me 31.9458.... ... never...
by livesoft
Fri Nov 09, 2007 7:58 am
Forum: Investing - Theory, News & General
Topic: Watch out which commodity index you buy
Replies: 5
Views: 1700

Copyright infringement? Author attribution?
by livesoft
Thu Nov 08, 2007 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Best Int Small for Taxable?
Replies: 7
Views: 1516

You know it won't really matter. Whichever one you pick will go down, so you will sell it for the tax loss and use the sales proceeds to immediately buy the other one. I have owned DLS. Now I own GWX.
by livesoft
Thu Nov 08, 2007 5:43 pm
Forum: Investing - Theory, News & General
Topic: Time to rename this forum
Replies: 32
Views: 6665

I see no reason not to have a "Market Timing" branch off of the Index. It would go well with the "Off Topic" branch.
by livesoft
Thu Nov 08, 2007 10:35 am
Forum: Investing - Theory, News & General
Topic: Difference between Total Int'l and Tax Mngd Int'l
Replies: 24
Views: 5398

I think the tax-managed international should have lower returns because it does not contain any emerging markets exposure in contrast to the total international fund. So in essence, you are comparing apples to oranges. So you could have VTMGX in your taxable accounts and place VWO (emerging markets)...
by livesoft
Thu Nov 08, 2007 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Help with porfolio risk
Replies: 9
Views: 2467

Your portfolio seems just perfect to me. One thing you can do to hide any volatility and risk perception is to combine some equity and fixed income funds into a balanced fund. That way you won't notice if your stock funds drop because you won't have any pure stock funds. For example, you could get r...
by livesoft
Thu Nov 08, 2007 8:51 am
Forum: Investing - Help with Personal Investments
Topic: I really think financials have been way oversold..
Replies: 34
Views: 7942

Don't tell us until you've bought several hundred shares of XLF. Otherwise we will have to question your sincerity. XLF is only down 14% in the last year though.
by livesoft
Thu Nov 08, 2007 7:34 am
Forum: Investing - Theory, News & General
Topic: Testing Your Discipline to Stay the Course
Replies: 18
Views: 5861

We are all a product of our past experiences. My past experience in 1987 tells me to buy when things drop. My past experience tells me that I doubled a 7-figure investment portfolio from 2000 to 2006 because I ignored the "current discussions" of the time. I am trapped by my past experiences, so I c...
by livesoft
Wed Nov 07, 2007 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: What to do when 401Ks hold mostly actively managed funds?
Replies: 5
Views: 1383

I think sometimes folks take this 'lowest expense ratio' idea a little too far. If you 401k had a total stock market index fund with an expense ratio of 1.2%, then you would probably choose it. Suppose the lowest expense ratio fund was 2.2% like in my spouse's 401k? You would probably still invest i...
by livesoft
Tue Nov 06, 2007 11:47 pm
Forum: Investing - Theory, News & General
Topic: Bubble coping strategies
Replies: 23
Views: 4097

Suppose EEM or VWO drops 50% which it will probably do. It wouldn't bother me because didn't it drop 30% this summer? Didn't it drop 36% last summer? If it does drop, I'm prepared to buy more. I'm used to it. Are you?
by livesoft
Tue Nov 06, 2007 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Is it a good idea to be buying a house at this time?
Replies: 38
Views: 41187

If anyone has any books, advice, or internet links about home buying they would be greatly appreciated. I've only bought one home in my life. It was a pretty easy thing to do and not stressful at all. First, I learned alot from my parents who had bought/sold many homes that I lived in growing up. O...
by livesoft
Tue Nov 06, 2007 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice on Strategic Asset Allocation
Replies: 10
Views: 2096

Hmmm, somehow I get the idea that a short term bond fund would be sage advice. I think Fidelity has some good ones. What do you think?
by livesoft
Tue Nov 06, 2007 3:33 pm
Forum: Investing - Theory, News & General
Topic: Alternative Minimum Tax exemption levels
Replies: 21
Views: 4639

Things we did to reduce income and all taxes including AMT: 1. Run tax software in December and not next April. 2. Adjust charity contributions upwards in the tax software using 'what if' scenarios. Give highly appreciated stock to charities and not cash. 3. Look at affect of paying property taxes i...
by livesoft
Tue Nov 06, 2007 12:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard all equity portfolio
Replies: 44
Views: 10769

You'll like my answer ... maybe. You seem to be stressing out over this and want instantaneous responses. I think alot of folks are at work and don't have time to think about your investments for you. :) Suppose you divvy up your assets as you described. How are you going to weed and feed your asset...
by livesoft
Tue Nov 06, 2007 11:35 am
Forum: Investing - Theory, News & General
Topic: Alternative Minimum Tax exemption levels
Replies: 21
Views: 4639

Despite the popular press's scare tactics, the AMT is not to be feared, so don't get your panties in a bunch over it. First, the AMT rules will change before year-end, so not much to do until Congress acts. Second, whatever you do to save taxes can probably save on AMT as well. This includes quiting...
by livesoft
Mon Nov 05, 2007 11:05 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets Comparisons
Replies: 27
Views: 5561

Make sure your charting software includes reinvested dividends. :D
by livesoft
Mon Nov 05, 2007 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is it just me? Or is the world ending?
Replies: 19
Views: 4790

Actually the world is ending for many Wall Street folks. The Christmas bonus is in severe jeopardy. That's bad news for stocks of companies like Tiffany's, Maserati, Gulfstream, etc. And bad for real estate in NYC.
by livesoft
Mon Nov 05, 2007 10:37 pm
Forum: Investing - Theory, News & General
Topic: ETF Spreads
Replies: 14
Views: 3920

I am looking to buy DGS at a good price, so I have put in a limit order. I also looked at level II quote for DGS several times today. The spread is artificial. There is a computer program with a bid and the same computer program with an ask, but there is no trading happening at that bid nor at that ...
by livesoft
Mon Nov 05, 2007 10:17 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets Comparisons
Replies: 27
Views: 5561

A chart of EITEX together with VWO shows that they track each other to a few decimal places. Thus, I conclude there is no reason to choose EITEX. Any 'frontier' exposure appears buried and inconsequential. Or am I thinking wrong?
by livesoft
Mon Nov 05, 2007 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell mutual fund to avoid year-end distribution?
Replies: 2
Views: 981

No, you should not sell to avoid distribution, but you should sell because you want to be in index funds. In another day or two, your short-term gain will be a loss anyways.
by livesoft
Mon Nov 05, 2007 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: If you had $3000 to invest right now...
Replies: 25
Views: 7200

If I had $3000 right now, I would put in a limit order to buy some shares of DGS. This because my asset allocation is a little lite on international, small cap, value, and emerging markets. What you or anyone else should do is another matter. Full disclosure: I put in a limit order today to buy some...
by livesoft
Sun Nov 04, 2007 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: How do you split your equity AA between domestic/intl?
Replies: 24
Views: 5164

Hey thanks, Speedy! All my new purchases are earmarked for small cap international or small cap emerging markets.
by livesoft
Sun Nov 04, 2007 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Preliminary Portfolio>>Help is Appreciated!!!!!
Replies: 10
Views: 2094

B and C class fund shares have some of the largest expense ratios known to mankind. Since these type of funds in your portfolio amount to just a small total percentage, why were they even left there? I would guess that selling them will not cause much in the way of taxes, but even so one could sell ...
by livesoft
Sun Nov 04, 2007 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Gift Transfer of Stock
Replies: 4
Views: 1125

Here's a recent thread on a very similar subject: http://www.diehards.org/forum/viewtopic ... ing+shares
by livesoft
Sun Nov 04, 2007 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Gift Transfer of Stock
Replies: 4
Views: 1125

It will probably come over at a $0 basis and recipients will be responsible for cap gains taxes if they ever sell. Also it looks like a mess if company has changed hands, stock has split, etc. This latter mess will have to be figured out eventually, so you might as well do it now. Cap gains taxes ca...
by livesoft
Sun Nov 04, 2007 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Preliminary Portfolio>>Help is Appreciated!!!!!
Replies: 10
Views: 2094

When I started reading your post, I presumed that you would show a financial plan of all Vanguard funds because "most of these will be sold and transferred to Vanguard funds." So why are we looking at your old holdings of high expense funds? What's the new portfolio suggested by the advisor look like?
by livesoft
Sun Nov 04, 2007 1:22 pm
Forum: Investing - Theory, News & General
Topic: ETF Spreads
Replies: 14
Views: 3920

Your full service broker should provide on its web site Level II real time quotes. This is often associated with a trading platform. I use TDAmeritrade to get that info, but even WellsFargo will give the current real-time bid/ask. I believe that even moneycentral.msn.com will give a real-time quote ...
by livesoft
Sun Nov 04, 2007 11:18 am
Forum: Investing - Help with Personal Investments
Topic: 529 Plan as part of AA
Replies: 11
Views: 3042

We will be retired when our kids go to college. My spouse wishes that we help pay for our children's education, so college expenses are part of our retirement expenses. Thus we include 529 plans in our asset allocation. If the 529 plans are not enough to pay for college, money from retirement assets...
by livesoft
Sun Nov 04, 2007 9:56 am
Forum: Investing - Theory, News & General
Topic: Swensen Portfolio in Retirement
Replies: 8
Views: 3824

Doesn't sound too conservative to me. If you take a conventional retirement portfolio of 60% equities, 40% fixed income then you pretty much get what you wrote if you divide the 40% fixed income up as 10% bonds, 20% TIPS, 10% cash of the total portfolio.
by livesoft
Sun Nov 04, 2007 9:42 am
Forum: Investing - Theory, News & General
Topic: What is a 4% SWR?
Replies: 8
Views: 2487

Didn't the Trinity 4% SWR assume that portfolio expenses were 0.0%?
by livesoft
Sun Nov 04, 2007 8:15 am
Forum: Investing - Help with Personal Investments
Topic: How do you split your equity AA between domestic/intl?
Replies: 24
Views: 5164

Let me ask a question please. Suppose at the present time one is only 20% (25%, 30%) international and only 5% (10%, 15%) emerging markets. One has seen that these assets have done remarkably well over the past few years. How does one psyche themselves into increasing their portfolio weights in thes...
by livesoft
Sat Nov 03, 2007 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: International allocation
Replies: 9
Views: 1798

International of course!
by livesoft
Sat Nov 03, 2007 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: International allocation
Replies: 9
Views: 1798

You don't have any DGS, GWX or DLS yet? Why are you being so conservative? Are you a slacker? :greedy

For international I have it diced with FSCOX, GWX, MIDAX, DODFX, EEM, PID, VTRIX, VWILX, VTMGX, and OIGAX. That gives me 37% small/mid international and 63% LC intl.
by livesoft
Sat Nov 03, 2007 1:54 pm
Forum: Investing - Theory, News & General
Topic: Computing portfolio standard deviation
Replies: 9
Views: 1899

Thanks for replies. I intend to compare my s.d. to s.d.'s posted at www.ifa.com.
by livesoft
Sat Nov 03, 2007 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Simple 6 fund or less Portfolios question
Replies: 5
Views: 1518

We have something like 15+ accounts and more than 50 positions. We have the same fund in multiple accounts, so those 50 positions reduce to about 40 different investments. I am not bothered by all the different investments and accounts. They all show up nicely in MSMoney or online at Vanguard or onl...