Search found 61955 matches

by livesoft
Sun Sep 16, 2018 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 58
Views: 5363

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

After responding to a post requesting simplification, I was motivated to try to reduce the number of our accounts by one. The obvious account to let go was an inactive TIAA 403(b) with less than $200 in it. This belongs to my spouse who nowadays wants nothing to do with finances. Today was a good da...
by livesoft
Sun Sep 16, 2018 4:14 pm
Forum: Investing - Theory, News & General
Topic: Equity allocation for Flagship clients?
Replies: 47
Views: 3769

Re: Equity allocation for Flagship clients?

I am not a Flagship client of Vanguard, but I am retired. We have only about 29% of assets in fixed income. We have about 62% of assets in equities. The rest is in TIAA Real Estate Account. I like this asset allocation and will likely keep it for the rest of my life. So why? Mostly because I like th...
by livesoft
Sun Sep 16, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Am I "buying high" if I transfer stable value funds over to stock index fund now?
Replies: 26
Views: 1821

Re: Am I "buying high" if I transfer stable value funds over to stock index fund now?

You may have sold low when you moved to the stable value fund. Since stock markets march higher over time, the current market values are guaranteed to be lower than they will be in a few years. I've been retired awhile and I put zero faith in any predictions about a market correction. There are ALWA...
by livesoft
Sun Sep 16, 2018 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Simplyfing a Portfolio - Looking for Advice
Replies: 11
Views: 1227

Re: Simplyfing a Portfolio - Looking for Advice

First, a family like yours (and like mine) really ends up with at least 16 accounts and often more just because of the nature of tax laws. One is NOT going to simplify to less than that number of accounts. Second, one can have MOST (but not ALL) of the accounts contain a single investment and put th...
by livesoft
Sun Sep 16, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: A Question [about Vanguard's asset allocation recommendations]
Replies: 10
Views: 1178

Re: A Question for the Boglehads

It's all idle speculation much like discussing who will win the NBA finals, the Superbowl, or even the Nobel Prize in Physiology or Medicine. What Vanguard does really should have no impact at all on one's life, so one should act accordingly.
by livesoft
Sun Sep 16, 2018 11:53 am
Forum: Investing - Help with Personal Investments
Topic: How to stay the course when you “think” you can outsmart the market
Replies: 36
Views: 2193

Re: How to stay the course when you “think” you can outsmart the market

tesuzuki2002 wrote:
Thu Sep 13, 2018 4:35 pm
It's up 5% since the 10th.
So what? What else is up 5% since the 10th?
by livesoft
Sun Sep 16, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Large, Mid, Small Cap Recommendations for Roth IRA
Replies: 10
Views: 628

Re: Large, Mid, Small Cap Recommendations for Roth IRA

Since you state you have S&P500 covered in other accounts, then I suggest a completion index fund such any Extended Market Index fund. All the different fund sponsors have them. Vanguard has VXF, VEXAX, VEXMX. Another mid/small cap fund is VBR, VSIAX, VISVX which is the Vanguard small-cap value inde...
by livesoft
Sat Sep 15, 2018 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Assist with porfolio analysis
Replies: 9
Views: 786

Re: Assist with porfolio analysis

Your portfolio is pretty typical of those presented on the forum, but could be improved. Things that I would change: 1. Reduce number of holdings. You can have a Roth IRA and your spouse can have a Roth IRA, too. The Roth IRAs could be invested in the same target retirement fund. You have NOT take a...
by livesoft
Sat Sep 15, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52436

Re: What is your luxury good?

Dyneema / Cuben Fiber ultralight camping gear.
by livesoft
Sat Sep 15, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Rain Jacket recommendations and care
Replies: 32
Views: 2367

Re: Rain Jacket recommendations and care

I'm waiting for jacket technology that keeps me dry while hiking with a 15 lb pack uphill at 4 mph in a Texas thunderstorm while it is 85-95 deg and 100% humidity.
by livesoft
Sat Sep 15, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Then and Now - Lucky Me, Lucky You?
Replies: 10
Views: 889

Re: Then and Now - Lucky Me, Lucky You?

Let's face it: It's always been lucrative to control the strings of Capitalism. Go find some strings that you can control yourself. Some other things to consider: I have never ever lived alone and always shared rent or a mortgage payment with one or more people living at the same location. Lucky me....
by livesoft
Sat Sep 15, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Rain Jacket recommendations and care
Replies: 32
Views: 2367

Re: Rain Jacket recommendations and care

You are asking for the impossible I think. $100 for a rain jacket that keeps you dry AND is breathable? I think you need something combined with an umbrella. That would mean you would leave it unzipped most of the time. So you got your FrogTogs inexpensive stuff, then your Outdoor Research Helium 2,...
by livesoft
Sat Sep 15, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 70
Views: 4916

Re: [Wearing] Shorts in Egypt

A memorable part of your trip could be buying long pants in the first 24 hours of arriving in Egypt.
by livesoft
Sat Sep 15, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Upcoming visit to Charleston, Flood issues of overhyped media?
Replies: 10
Views: 877

Re: Upcoming visit to Charleston, Flood issues of overhyped media?

Too early to tell. After Harvey, I didn't go to into Houston for quite a while.
by livesoft
Sat Sep 15, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 70
Views: 4916

Re: [Wearing] Shorts in Egypt

Waist size is not the problem. Shopping only in the men's section might be the problem. Teen age boys have smaller waists and long inseams, so I think shopping in the teens and boys clothes will let one find many pants that fit.

Besides, shorts have waist sizes, too.
by livesoft
Thu Sep 13, 2018 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Efficient Growth ETF's
Replies: 4
Views: 337

Re: Tax Efficient Growth ETF's

Be careful for what you wish for. :)

I recommend sticking with a Total US Stock Market Index fund and a Total International Stock Market Index fund. Tickers might be VTI, VXUS, VEU, VEA, VV, IXUS, and similar ones. All stock funds and ETFs are not un-growth funds.
by livesoft
Thu Sep 13, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: How to help teenager fix silly mistakes in math?
Replies: 50
Views: 3176

Re: How to help teenager fix silly mistakes in math?

Another silly mistake is not looking both ways when trying to cross the road or when pulling out into a busy any road when driving
by livesoft
Thu Sep 13, 2018 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: ETF selling (multiple lots in one transaction)
Replies: 5
Views: 282

Re: ETF selling (multiple lots in one transaction)

Yes, you could sell in one sell transaction any number of shares up to 300 shares with one order. If it was a limit order, then there could only be one limit price. Since orders cost one no commissions nor fees at most brokers nowadays, one could also submit 1, 2, 3, 4, ..., 300 orders (almost) simu...
by livesoft
Thu Sep 13, 2018 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: LPL Financial Transfer- Newbie
Replies: 4
Views: 331

Re: LPL Financial Transfer- Newbie

The first red flag for me was "and it's recovered enough over the past 9 years to warrant my desire to diversify that stock" because recovery is not a criteria for selling a stock. Indeed, it is often better to sell at a loss. But that's another discussion for another thread. I haven't used LPL fina...
by livesoft
Thu Sep 13, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: ETF selling (multiple lots in one transaction)
Replies: 5
Views: 282

Re: ETF selling (multiple lots in one transaction)

A single limit order consists of a single limit price, so in a taxable account, it would not be possible to have a single order sell shares with different limit prices whether they are in a taxable account or not. Also, it is not possible to submit an order for fractional shares, so if a lot consist...
by livesoft
Thu Sep 13, 2018 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Dollar cost averaging or all in one go?
Replies: 3
Views: 517

Re: Dollar cost averaging or all in one go?

This is a pretty small change in asset allocation, so I think you should move all at once.
by livesoft
Thu Sep 13, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Small cap tilt
Replies: 41
Views: 2902

Re: Small cap tilt

Still tilted to small cap and to value. I own VBR, IJS, VSS, DLS, DGS. Plus I own the opposite of that: MTUM. Those go with the other equity funds in the portfolio like Total US Stock Market, Total International Stock Market Index and their close cousins. No special insights except that over a coupl...
by livesoft
Thu Sep 13, 2018 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Best tool/way to manage the a portfolio of multiple accounts
Replies: 22
Views: 1260

Re: Best tool/way to manage the a portfolio of multiple accounts

Use the free MS Money with manual entry of transactions.
by livesoft
Thu Sep 13, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: How to help teenager fix silly mistakes in math?
Replies: 50
Views: 3176

Re: How to help teenager fix silly mistakes in math?

My sister recounted the discovery that my 3rd grade nephew didn't know how to read. He had been in an excellent school mostly because his sisters were outstanding students. I'm just writing this is because sometimes teachers (and parents) don't see what's in front of their face. Other advice in the ...
by livesoft
Thu Sep 13, 2018 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: How to stay the course when you “think” you can outsmart the market
Replies: 36
Views: 2193

Re: How to stay the course when you “think” you can outsmart the market

Are you betting that all the people who bought a Generac during hurricane Matthew which pretty much affected the same people are going to buy a 2nd one?

What about the people who buy a portable generator and keep it boxed in order to return it when the power stays on at their house?
by livesoft
Thu Sep 13, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3384

Re: Buying a house 1 mile away from a municipal landfill

I'm living in the real world. The point of a lawsuit threat is not to win, but to get real estate agent to reduce their fee in order to have the deal go through if one is stuck in the deal or if one wants to back out and not lose their entire deposit.
by livesoft
Wed Sep 12, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3384

Re: Buying a house 1 mile away from a municipal landfill

It is not necessarily a bad idea to buy this house, but it was a bad idea to put in an offer without knowing this. I'd sue the real estate agent who probably suggested a huge earnest offer to go with your offer, right?
by livesoft
Wed Sep 12, 2018 8:15 pm
Forum: Investing - Theory, News & General
Topic: Why do we expect TSM to keep growing?
Replies: 68
Views: 7157

Re: Why do we expect TSM to keep growing?

My answer would be very simple: 1. Inflation keeps companies going up in dollar amount, and 2. Companies that cannot survive in the dog-eat-dog world fail (by definition), so as long as more companies survive and new one's appear to replace the failed one's ... in my lifetime, then I think I will be...
by livesoft
Wed Sep 12, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Toilet Makes A Flushing Sound Occasionally
Replies: 37
Views: 2817

Re: Toilet Makes A Flushing Sound Occasionally

Another hint: Buy two flappers and keep one for a spare. That way, you don't have to go get a new one right away.

Blue tabs? Oh, you mean food coloring drops.
by livesoft
Wed Sep 12, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Subaru Forester - ready to buy
Replies: 43
Views: 4134

Re: Subaru Forester - ready to buy

I've never had a service do as well as jus negotiating and buying for myself. Sure, use a service if you must, but I'd expect a service to get me right to 15% off a Subaru MSRP because that's what a seeming good deal on a Surbaru appears to be. Subaru at least doesn't high this stuff to my knowledge...
by livesoft
Wed Sep 12, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Vacation to San Francisco, Yosemite, Sequoia
Replies: 32
Views: 1384

Re: Vacation to San Francisco, Yosemite, Sequoia

We don't know if OP is coming from Miami, Fla or from just outside the Great Smioky Mountaions NP. :)
by livesoft
Wed Sep 12, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Do you rollover all of your previous 401ks?
Replies: 33
Views: 2196

Re: Do you rollover all of your previous 401ks?

I never rolled over my 403(b). I did roll over my 401(k) to my solo401(k).
by livesoft
Wed Sep 12, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: 401k "advice" to my associates
Replies: 51
Views: 2084

Re: 401k "advice" to my associates

I've beat these ideas around with my executive team for years. Bottom line, you can lead a horse to water.....yada yada I love the idea of us (employer) just putting money into their 401k plans - we've actually tried that a couple of times - but then you have a few that haven't gone through the pap...
by livesoft
Wed Sep 12, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Vacation to San Francisco, Yosemite, Sequoia
Replies: 32
Views: 1384

Re: Vacation to San Francisco, Yosemite, Sequoia

Or have some extra fun and split the family into 2 groups that will meet at the top of Kearsarge Pass on their way to the other car.
by livesoft
Wed Sep 12, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: 401k "advice" to my associates
Replies: 51
Views: 2084

Re: 401k "advice" to my associates

One reaction might be, "I just wish you would give us a raise instead of a match!"
by livesoft
Wed Sep 12, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: 401k "advice" to my associates
Replies: 51
Views: 2084

Re: 401k "advice" to my associates

Here is an old thread about young people not saving in IRAs:
viewtopic.php?p=3386649#p3386649

You have may legal issues with trying too hard to sell the 401(k) plan, but you can sell using IRAs. Do you have children who work? Maybe they can give you some ideas, too?
by livesoft
Wed Sep 12, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Vacation to San Francisco, Yosemite, Sequoia
Replies: 32
Views: 1384

Re: Vacation to San Francisco, Yosemite, Sequoia

I have flown into SFO and SJC to go to these places. Perhaps you already have and made the decision for SFO, but I prefer San Jose. While it's a personal decision, it could be a financial one, too. Or even fly into SFO and back from SJC. At the present time, you won't know the fire situation nor the...
by livesoft
Wed Sep 12, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6462

Re: Hurricane Florence - survival guide

This thread is helpful and interesting but I would also encourage anyone in an evacuation zone to get out of Dodge. My parents are enjoying a nice little vacation at their friends' home in the NC mountains while the outer rings of Florence barrel towards their home. The island they live on is closi...
by livesoft
Wed Sep 12, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6462

Re: Hurricane Florence - survival guide

You may not "need" power to simply "survive" in a tent outside you your roofless house. In a less extream situation, with simply no electricity and you have a family or babies to care for, trees fallen over your driveway and front door, aged and ill parents 20 miles away that have not prepared prop...
by livesoft
Wed Sep 12, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: 1 year old birthday
Replies: 42
Views: 1877

Re: 1 year old birthday

alfaspider wrote:
Wed Sep 12, 2018 2:12 pm
Have a beer with your friends :sharebeer
We do that just because we survived a week. :)
by livesoft
Wed Sep 12, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6462

Re: Hurricane Florence - survival guide

I guess we have set up our home and lives such that we don't need power to survive. I don't have to pay for a generator nor its gas nor its maintenance . I realize many people cannot do that, but it is something else to consider. We do not need power to survive. I included all power: solar, electri...
by livesoft
Wed Sep 12, 2018 1:45 pm
Forum: Investing - Theory, News & General
Topic: Mother, can I trust the stock market?
Replies: 19
Views: 2270

Re: Mother, can I trust the stock market?

nice Pink Floyd reference (the title) "Mother do you think they'll drop the bomb? Mother do you think they'll like this song? Mother do you think they'll try to break my balls? Ooh, ah Mother should I build the wall? Mother should I run for President? Mother should I trust the government? <------ t...
by livesoft
Wed Sep 12, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes in retirement too good to be true?
Replies: 23
Views: 4351

Re: Taxes in retirement too good to be true?

Property taxes don't go away just because you have paid off the mortgage. Neither does property insurance.
by livesoft
Wed Sep 12, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: 1 year old birthday
Replies: 42
Views: 1877

Re: 1 year old birthday

Clearly, some people prefer not to make memories with their kids unless their kids will remember it. I don't remember much from before I was 5. By that logic, my parents could have kept me in the basement until then and I'd be none the wiser. I could have done that with my kids. I'd have missed out...
by livesoft
Wed Sep 12, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6462

Re: Hurricane Florence - survival guide

I guess we have set up our home and lives such that we don't need power to survive. I don't have to pay for a generator nor its gas nor its maintenance . I realize many people cannot do that, but it is something else to consider.
by livesoft
Wed Sep 12, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: 529 & my kid in college
Replies: 8
Views: 566

Re: 529 & my kid in college

If you get a state tax break and do not lose a federal tax credit, then I would still funnel money through a 529 plan.

However, if you don't get a state tax break and you lose a federal tax credit by funneling money through a 529 plan, then I would not do that.
by livesoft
Wed Sep 12, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: 1 year old birthday
Replies: 42
Views: 1877

Re: 1 year old birthday

What is the purpose of the 1-year-old party? I'm asking a serious question. Do you feel you have paid for many of the parties that you have attended and now want some payback?

Just take your adult friends to a movie or dinner and leave the little ones at home. Seriously. Make it a tradition.
by livesoft
Wed Sep 12, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 2832

Re: Do you use social media to enhance your travel experience?

My is Yes and No. First, I don't have accounts at Twitter, Facebook, Instagram, Snapchat and whatever else is out there except Bogleheads.org which is surely social media. Second, I use Youtube before and after a trip to get some reconnaissance done for me. Before a trip helps me not lose a trail or...
by livesoft
Wed Sep 12, 2018 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Self Directed Accnt at BOA's Merrill Edge. Hidden Fees ?
Replies: 9
Views: 552

Re: Self Directed Accnt at BOA's Merrill Edge. Hidden Fees ?

Maybe. My spouse uses the SDBA at TDAmertrade in her company sponsored 401(k). They told her about the following fees which do exist which her company is going to pay for everyone that uses the SDBA. 1. Quarterly. $75 a year, but paid $18.75 per quarter. 2. Any usual commissions, but TDAmeritrade ha...
by livesoft
Tue Sep 11, 2018 10:58 am
Forum: Investing - Theory, News & General
Topic: Moved to 100% FDIC Insured Cash today (college money needed in 3 years)
Replies: 26
Views: 2211

Re: Moved to 100% FDIC Insured Cash today (college money needed in 3 years)

I made another withdrawal from the 529 plan today. It is has never been in FDIC-insured accounts and student got BS in May.

I don't believe that money needed for college needs to be in FDIC-insured accounts ever.