Search found 60697 matches

by livesoft
Sat Jun 16, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Good family portrait place
Replies: 5
Views: 330

Re: Good family portrait place

Nowadays I think you are out of luck. Ask your friends, neighbors, colleagues for recommendations. You may even see advertising brochures in the junk mail that have portraits of the families of dentists, doctors, car dealers, financial advisors, lawyers, etc. If you like such a family portrait, then...
by livesoft
Sat Jun 16, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Houston Safety
Replies: 13
Views: 1229

Re: Houston Safety

Never been to Houston before. Will be staying near S Main Street & McNee Road. Is it a safe area? I'd just as soon leave my bazooka at home. It's the NRG Stadium. That's pretty safe during games. If a bazooka had ever been used in Houston (or anywhere else in the US), then that would've made intern...
by livesoft
Sat Jun 16, 2018 8:46 am
Forum: Investing - Theory, News & General
Topic: How much tilt is enough to make a difference?
Replies: 27
Views: 1833

Re: How much tilt is enough to make a difference?

How much is "make a difference"? Suppose the value premium is 1% per year. If you have 40% total market and change that to 20% Total Market and 20% Value for a 50:50 split, then that 1% extra for 20% of your portfolio would lead to 1% x 20% = 0.2% extra annualized performance over the long term. You...
by livesoft
Sat Jun 16, 2018 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Sold today, couple of questions
Replies: 11
Views: 2370

Re: Sold today, couple of questions

gilgamesh wrote:
Sat Jun 16, 2018 6:37 am
This assumes, the “other lowest low” will outperform index fund from there on...just another market timing ploy.
I will say that one will buy another index fund. This is not a market timing ploy.
by livesoft
Sat Jun 16, 2018 6:56 am
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 57
Views: 7402

Re: I feel like selling my 3 fund

Let's just say that if you sell now, you will become the Whipping Post for 2018 on Bogleheads.org. The Whipping Post of Late 2016 will like the transfer of the honor: https://www.bogleheads.org/forum/viewtopic.php?t=203792 In any event selling your individual stocks is probably a good idea as long a...
by livesoft
Sat Jun 16, 2018 4:54 am
Forum: Investing - Help with Personal Investments
Topic: How confident are you with this scenerio?
Replies: 11
Views: 1522

Re: How confident are you with this scenerio?

All thank you for your thoughts. I very much appreciate your insights. @livesoft - 65% Taxable and 35% 401K/IRA. Roth Ira constitutes only about 200K. We haven't worked out the withdrawl dynamics. No doubt there will be some taxation, but reason that we should be at around 10-15% loss. We have a la...
by livesoft
Sat Jun 16, 2018 4:49 am
Forum: Investing - Help with Personal Investments
Topic: Sold today, couple of questions
Replies: 11
Views: 2370

Re: Sold today, couple of questions

suemarkp wrote:
Fri Jun 15, 2018 11:53 pm
Livesoft, why sell at maximum loss? Isn't it always better to sell for gain (or least loss) even though you'll lose some in taxes?
A very good reason is that when an index fund is at its maximum loss, then there is definitely something else to buy at its lowest low.
by livesoft
Sat Jun 16, 2018 4:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard email about transition fund accounts to new brokerage platform
Replies: 37
Views: 2062

Re: Vanguard email about transition fund accounts to new brokerage platform

Can you please send an e-mail back to your rep of why you wouldn't want to switch? Otherwise, I don't think they can read your mind! Please tell them that dividend re-investment in re-directed way is important to you. They won't know if you don't tell them. And the new platform won't have that featu...
by livesoft
Fri Jun 15, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Reset - Best Strategy to (Re)Organize?
Replies: 7
Views: 1185

Re: Retirement Reset - Best Strategy to (Re)Organize?

Since all your accounts appear to be tax-advantaged, I would invest in Vanguard LifeStrategy Moderate Growth as the only single fund in ALL of them.

There. I did all the analysis you need. Done.
by livesoft
Fri Jun 15, 2018 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: VYM ETF Fund VS 3 or 4 fund portfolio.
Replies: 3
Views: 393

Re: VYM ETF Fund VS 3 or 4 fund portfolio.

Why not just go with MTUM then?
by livesoft
Fri Jun 15, 2018 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: How confident are you with this scenerio?
Replies: 11
Views: 1522

Re: How confident are you with this scenerio?

Ultimo confidence ... since I have done it with less than you all. However, you did not state the kinds of accounts that your assets are held in, so that lets me assume they are 100% in Roth IRAs, so you won't be taxed on any withdrawals and will only withdraw contributions before age 59.5. Am I rig...
by livesoft
Fri Jun 15, 2018 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Back to Treasurys...
Replies: 17
Views: 1998

Re: Back to Treasurys...

Which would you rather do:

a. Earn $1000 tax free

-or-

b. Earn $2000 and have to pay $500 taxes on it

??
by livesoft
Fri Jun 15, 2018 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Better late than never
Replies: 7
Views: 1206

Re: Better late than never

Just read this and wanted to say that this thread is Inspirational! Good luck @serlvz! You are on your way again. :sharebeer
by livesoft
Fri Jun 15, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA: Using it for kids college
Replies: 31
Views: 1848

Re: Inherited IRA: Using it for kids college

^But then again, the choices made are not going to matter that much for very high income families with first-world problems.
by livesoft
Fri Jun 15, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA: Using it for kids college
Replies: 31
Views: 1848

Re: Inherited IRA: Using it for kids college

It does make a difference if the mental accounting causes you to make a supremely tax inefficient move, like liquidating an Inherited IRA in a lump sum. Since the OP is in the highest tax bracket, then we can guess they will be in the highest tax bracket for quite some time. If that is true, then l...
by livesoft
Fri Jun 15, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: Subaru EyeSight windshield insurance
Replies: 14
Views: 1562

Re: Subaru EyeSight windshield insurance

Does EyeSight have some check that the glass isn't the right kind or is dirty and doesn't work? How well does it work in rain and snow? Direct bright sunlight? http://www.subaruoutback.org/forums/104-gen-4-2010-2014/47864-should-you-disable-eyesight-severe-weather-conditions.html EyeSight hardware ...
by livesoft
Fri Jun 15, 2018 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: What to put in taxable brokerage account?
Replies: 12
Views: 994

Re: What to put in taxable brokerage account?

You can place an order for a transaction anytime 24/7, rather than just when an exchange is open. You don't need to use limit orders. These statements are also true for ETFs. Would it be accurate to say that it's generally advisable to use limit orders in ETF transactions? I don't use ETFs so I don...
by livesoft
Fri Jun 15, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: I am STUNNED over how much help my friends recieved with house purchase!
Replies: 47
Views: 3721

Re: I am STUNNED over how much help my friends recieved with house purchase!

I know someone who volunteered for the regional "welcoming" committee. They got the info for new residents from the local real estate agents in order to drop by and give the welcoming basket, etc. She told me that many of the young families had help from parents to buy their homes.
by livesoft
Fri Jun 15, 2018 3:17 pm
Forum: Investing - Theory, News & General
Topic: Am I "market timing"?
Replies: 37
Views: 1869

Re: Am I "market timing"?

You are market timing because you did not invest the money as soon as you had it available to invest.
by livesoft
Fri Jun 15, 2018 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: What to put in taxable brokerage account?
Replies: 12
Views: 994

Re: What to put in taxable brokerage account?

ruralavalon wrote:
Fri Jun 15, 2018 2:37 pm
You can place an order for a transaction anytime 24/7, rather than just when an exchange is open. You don't need to use limit orders.
These statements are also true for ETFs.
by livesoft
Fri Jun 15, 2018 2:00 pm
Forum: Investing - Theory, News & General
Topic: Are Bogleheads smarter than the bond market?
Replies: 40
Views: 4165

Re: Are Bogleheads smarter than the bond market?

I also want to point out that the difference between sticking with total bond market index fund versus CDs or shorter duration bond funds is going to be much smaller than say a 6-month return on any of them. So that means the consequences of staying the course, not switching, switching, or timing po...
by livesoft
Fri Jun 15, 2018 1:22 pm
Forum: Investing - Theory, News & General
Topic: Are Bogleheads smarter than the bond market?
Replies: 40
Views: 4165

Re: Are Bogleheads smarter than the bond market?

I went to shorter durations earlier this year. I really don't care what bogleheads do. And yes, I do market timing with my bond ETFs. I also bought a bunch of Total US Bond Index ETF as recently as June 7th. Those shares are UP by 0.38% since then. The shares bought at the May lows are up 0.5% to 0....
by livesoft
Fri Jun 15, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Too much house vs. just enough
Replies: 38
Views: 3367

Re: Too much house vs. just enough

I'd go for 4 br and 3.5 ba. That's because:

1. It is the sweet spot for the area that I live in.

2. It will be easier to sell the house in the future. Basically, you really want to future-proof your initial home purchase.
by livesoft
Fri Jun 15, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: What to put in taxable brokerage account?
Replies: 12
Views: 994

Re: What to put in taxable brokerage account?

PTGuy1 wrote:
Fri Jun 15, 2018 12:55 pm
So, what would you NOT put in taxable brokerage account?
Easy: Anything that would create more taxes than the investments that I mentioned.
by livesoft
Fri Jun 15, 2018 12:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard accounts
Replies: 11
Views: 906

Re: Vanguard accounts

jtl46 wrote:
Fri Jun 15, 2018 12:01 pm
The CD's held in a brokerage account are insured up to $250K per owner, so joint means at least 2 owners or $500K. At least that is my understanding.
But think about this: What if the CDs were issued by 10 different separate banks? :)
by livesoft
Fri Jun 15, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: What to put in taxable brokerage account?
Replies: 12
Views: 994

Re: What to put in taxable brokerage account?

What one puts in a taxable brokerage account will depend on what all their other investments are. I see Vanguard Total Stock Market Index fund (in any of its forms: VTSAX, VTI, VTSMX) recommended often. Also Vanguard Total International Stock Market Index fund (in any of its forms: VTIAX, VGTSX, VXU...
by livesoft
Fri Jun 15, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: Vanguard accounts
Replies: 11
Views: 906

Re: Vanguard accounts

1. Just consider the Prime MM fund as you would any other mutual fund. Buying shares of VMMXX would be just like buying shares of VTSAX. Exchanging shares, the same. Selling shares, the same. So all of this would happen in a brokerage wrapper. 2. Inherited IRAs and Roth IRAs and traditional IRAs are...
by livesoft
Fri Jun 15, 2018 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review: IPS course-correction for small/value tilt
Replies: 9
Views: 596

Re: Portfolio Review: IPS course-correction for small/value tilt

Yeah, I'm really luck in that regard. It's one of the FAANG tech megacorps.
If you work for one, then maybe MTUM is not for you.
by livesoft
Fri Jun 15, 2018 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review: IPS course-correction for small/value tilt
Replies: 9
Views: 596

Re: Portfolio Review: IPS course-correction for small/value tilt

It looks like you don't need any help at all from the peanut gallery. I like that the smaller accounts are single funds and the 401(k) is used for all rebalancing with almost a fund from each asset class. Of course, one can do double trades (exchange in Roth, then exchange in 401(k)) to do any kind ...
by livesoft
Fri Jun 15, 2018 6:14 am
Forum: Investing - Help with Personal Investments
Topic: Sold today, couple of questions
Replies: 11
Views: 2370

Re: Sold today, couple of questions

Generally, a REIT fund is tax inefficient and should not be held in a taxable account at all. So the OP should be very happy that they were able to get it out of the taxable account and get a tax deduction in the process. The OP suffers from loss aversion. The goal should have been to sell with the ...
by livesoft
Fri Jun 15, 2018 6:10 am
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA: Using it for kids college
Replies: 31
Views: 1848

Re: Inherited IRA: Using it for kids college

What does your spouse want to do with the money? Although, I am against sentimental and emotional attachments to money, maybe your spouse is not? If you are going to move the IRA money to 529 plans, then I suggest that you open new ones AND your spouse is the owner and not you. Of course, the gains ...
by livesoft
Thu Jun 14, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking mid-cap and or small-cap Vanguard Funds
Replies: 7
Views: 598

Re: Seeking mid-cap and or small-cap Vanguard Funds

I doubt it. You asked for equities and small / mid. That's the very definition of aggressiveness.
by livesoft
Thu Jun 14, 2018 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking mid-cap and or small-cap Vanguard Funds
Replies: 7
Views: 598

Re: Seeking mid-cap and or small-cap Vanguard Funds

I'm not sure what you mean. Vanguard is known for index funds, so why not just use them? Mid-cap index. Small-cap index. Extended market index.

And don't forget VFSVX / VSS the foreign small-cap index.
by livesoft
Thu Jun 14, 2018 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone buying Individual Short Term Treasuries?
Replies: 19
Views: 1297

Re: Anyone buying Individual Short Term Treasuries?

Yes, bough T-bill a few months ago expecting Total Bond Index to drop about a percent of so. That happened and the T-bill matured and I bought back Total Bond Index. Carry on!
by livesoft
Thu Jun 14, 2018 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap. DFSVX. and DFSCX. (DFA Company)
Replies: 4
Views: 435

Re: Small Cap. DFSVX. and DFSCX. (DFA Company)

My spouse will have these funds available in her 401(k) next month, so that's another way to get them and perhaps someone else pay any advisory fees. Probably not really worth it because one can find non-DFA ETF equivalents pretty readily. Check out posts by "Robert T" for more info.
by livesoft
Thu Jun 14, 2018 5:31 pm
Forum: Investing - Theory, News & General
Topic: Why do we need 529?
Replies: 41
Views: 3528

Re: Why do we need 529?

Most families would not have any money leftover to contribute to 529 plans if they contributed the maximums to 401(k), 403(b), and IRAs. That is, they don't even have to make the decision because their income makes the decision for them. Not everyone has access to a 401(k) or 403(b). If an IRA is y...
by livesoft
Thu Jun 14, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: Why do we need 529?
Replies: 41
Views: 3528

Re: Why do we need 529?

The bogleheads.org forum members routinely recommend that people contribute the maximums possible to retirement accounts before even considering a 529 plan, so the linked article continues in that spirit. And a Roth IRA is a retirement account. A thread which discusses all this stuff in quite some d...
by livesoft
Thu Jun 14, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Cash, getting to it
Replies: 8
Views: 942

Re: Cash, getting to it

I always have invested my money, so I don't have cash hanging out at all. Just recently, I bought a car and had to sell some shares in order help pay for it. The shares had appreciated about 47% since February 2016 when I bought them. At the time I bought them, I had no particularly goal for the sha...
by livesoft
Thu Jun 14, 2018 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Sell T & buy VZ to realize a $10,000 loss?
Replies: 14
Views: 981

Re: Sell T & buy VZ to realize a $10,000 loss?

I agree with selling T at a loss, but why bother with another individual stock?

Just buy an ETF of something like Total US (VTI), Large-cap (VV), or perhaps a momentum ETF (MTUM). Get into passively-managed, low-expense-ratio index funds.
by livesoft
Thu Jun 14, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Question for those who used 529 plans
Replies: 46
Views: 2352

Re: Question for those who used 529 plans

We used 529 plans to pay for part of college expenses. Here is a link about them: https://www.bogleheads.org/forum/viewtopic.php?t=107916 One plan still has enough money for a year of a Masters degree program. But back in 2008-2009, the plans lost so much money that we were able to do tax-loss harve...
by livesoft
Thu Jun 14, 2018 12:55 am
Forum: Investing - Theory, News & General
Topic: When did you start teaching your kids about investing ?
Replies: 6
Views: 634

Re: When did you start teaching your kids about investing ?

Us parents talked about our investing at the dinner table with no particular intent to teach the kids. Then I heard one day "Vanguard Spartan Index" from one of my kids. But the real teaching started when one child came home from school and mentioned they were doing an investing lesson in algebra an...
by livesoft
Wed Jun 13, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Cost-basis step-up at death
Replies: 9
Views: 988

Re: Cost-basis step-up at death

However, for the account where your mother is also a surviving joint tenant, only the 50% that your father was deemed to have contributed gets the basis adjustment. But if there was an account where OP was not on, but was JTWROS with Mom & Dad, then the 50% vs 100% step-up would depend on the state...
by livesoft
Wed Jun 13, 2018 4:42 pm
Forum: Investing - Theory, News & General
Topic: Why market drop when Fed announced rate increase?
Replies: 19
Views: 2502

Re: Why market drop when Fed announced rate increase?

Several other things happened today besides the expected Fed rate increase. And though the stock market seems to have gone down in price, it really didn't go down very much at all and well within the normal daily noise of price movements. And even bond ETFs are trading up from where one could buy th...
by livesoft
Wed Jun 13, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Convert Taxable account to Roth IRA to avoid wash sale?
Replies: 14
Views: 587

Re: Convert Taxable account to Roth IRA to avoid wash sale?

As noted by other responses in this thread: Anytime you sell something in a taxable account, you will have to report that on your tax return. That's a tax consequence, but it does not mean you will have to pay taxes. You will have to figure out if you will have to pay taxes and when you do, you will...
by livesoft
Wed Jun 13, 2018 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Services
Replies: 45
Views: 3224

Re: Vanguard Advisor Services

Maybe if Vanguard put folks in Target Retirement funds, then they could reduce the PAS fee on those things by the difference between say equivalent separate Admiral funds and the TR fund. Example: 0.05% for individual funds and 0.13% for TR fund, so rebate 0.08% of PAS fee for those assets.
by livesoft
Wed Jun 13, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Buying CPO Lexus - any advice appreciated
Replies: 22
Views: 1753

Re: Buying CPO Lexus - any advice appreciated

Leesbro63 wrote:
Wed Jun 13, 2018 1:45 pm
My advice is to buy new.
I think that is a possibility. A well-negotiated new 2018 Subaru Outback 3.6R Limited probably costs the same as a poorly negotiated 3-year old Lexus RX350 with similar features.
by livesoft
Wed Jun 13, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Living Abroad - Who's done it?
Replies: 52
Views: 4713

Re: Living Abroad - Who's done it?

Didn't read all the responses since I've done it. I don't see any long-term downsides and only long-term upsides. My spouse did not know the local language, but took classes and eventually got a job as an administrative assistant where English-as-mother-tongue was a requirement. Other friends of our...
by livesoft
Wed Jun 13, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Subaru EyeSight windshield insurance
Replies: 14
Views: 1562

Re: Subaru EyeSight windshield insurance

I do have comprehensive and just discussed all this with my insurance rep. I have $1,000 deductible even on windshield / glass and changing deductible to $100 would almost cost as much as separate zero-deductible windshield insurance over 5 years term. Of course, separate insurance price is negotiab...
by livesoft
Wed Jun 13, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Subaru EyeSight windshield insurance
Replies: 14
Views: 1562

Subaru EyeSight windshield insurance

Since another Subaru thread may be catching eyeballs, I thought I would pile on ... Subaru is really pushing expensive windshield repair insurance for EyeSight owners since they claim these windshields are more expensive and different than the cheap windshields that can be replaced on other cards. A...
by livesoft
Wed Jun 13, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Services
Replies: 45
Views: 3224

Re: Vanguard Advisor Services

My takeaway is to look closer at the Vanguard Target Retirement Income Fund to see if it fully addresses my needs, although I am somewhat concerned about the tax implications of selling my taxable accounts and how that will impact us. I think if you moved your tax-advantaged accounts to a Target Re...