Search found 60979 matches

by livesoft
Wed Jul 04, 2018 5:00 am
Forum: Investing - Theory, News & General
Topic: If you tilt toward Small Cap Value, how much do you tilt?
Replies: 38
Views: 2564

Re: If you tilt toward Small Cap Value, how much do you tilt?

Over the years, I have worked out that I try to tilt 50:50. See this thread: viewtopic.php?t=150267
by livesoft
Wed Jul 04, 2018 4:35 am
Forum: Investing - Help with Personal Investments
Topic: 529 asset allocation during college years
Replies: 9
Views: 883

Re: 529 asset allocation during college years

Tell us what you are going to do with the money please. It doesn't seem like you are going to use it for college anyways. Are you trying to go for the biggest penalty?
by livesoft
Tue Jul 03, 2018 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Second Opinion(s) on Financial Situation Married Couple 55 years old.
Replies: 39
Views: 4100

Re: Second Opinion(s) on Financial Situation Married Couple 55 years old.

delamer wrote:
Tue Jul 03, 2018 9:14 pm
But knowing your mortgage payment only gives us a limited idea of your expenses.
We can make an educated guess that expenses allow them to save 15.5K + 13K + ~24K or more than $52K into retirement plans every year on income of $135K.
by livesoft
Tue Jul 03, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: Transporting bikes with an SUV?
Replies: 38
Views: 1728

Re: Transporting bikes with an SUV?

Thanks all. Looks like I'll be shopping around for a hitch mount, then a bike hitch. etrailer looks great..They seem to be beating all the prices I can check so far so it's pretty safe to say I'll be buying everything from them. Doesn't REI sells the same things as etraile? If so, one gets the REI ...
by livesoft
Tue Jul 03, 2018 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Second Opinion(s) on Financial Situation Married Couple 55 years old.
Replies: 39
Views: 4100

Re: Second Opinion(s) on Financial Situation Married Couple 55 years old.

I think you are doing more than fine. You may well ask, "Is that all there is to it?" and the answer is, "Yep, that's all there is."
by livesoft
Tue Jul 03, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Can I finance a new home abroad (Carribean)???
Replies: 53
Views: 4229

Re: Can I finance a new home abroad (Carribean)???

Why not just pay cash? Why finance at all?
by livesoft
Tue Jul 03, 2018 2:40 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig: Congrats Investors! You’re Behaving Less Badly Than Usual
Replies: 17
Views: 2913

Re: Jason Zweig: Congrats Investors! You’re Behaving Less Badly Than Usual

I am not an Advanced RBD player. I just a regular ol' normal RBD player.
by livesoft
Tue Jul 03, 2018 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation once you reach your target
Replies: 42
Views: 2990

Re: Asset Allocation once you reach your target

I'm there and I like 60/40 for the rest of breathing days.
by livesoft
Tue Jul 03, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Will I ever be able to itemize?
Replies: 64
Views: 4206

Re: Will I ever be able to itemize?

You will be able to itemize, but you will have to bunch some deductions into alternating years and you will probably have to contribute more to charity including to your Donor Advised Fund. You can do an internet search on "bunching deductions" to see how you can reduce your taxes that way. However,...
by livesoft
Tue Jul 03, 2018 12:54 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig: Congrats Investors! You’re Behaving Less Badly Than Usual
Replies: 17
Views: 2913

Re: Jason Zweig: Congrats Investors! You’re Behaving Less Badly Than Usual

It’s not clear — at all — how the numbers you posted are relevant to the question of whether chasing underperformance results in outperformance. Presumably, you used some form of active management that caused you to buy poorly performing assets. [...] Of course it's not clear at all. Also, your pre...
by livesoft
Tue Jul 03, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Large ACH from NavyFed to PenFed?
Replies: 19
Views: 1001

Re: Large ACH from NavyFed to PenFed?

One option is to call them up.
by livesoft
Tue Jul 03, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 61
Views: 5243

Re: Rodents ate my car!

My neighbor loves rodents though they damaged 3 of his cars. He won't park his cars in his garage anymore, but he doesn't want to kill the rodent either.
by livesoft
Tue Jul 03, 2018 11:45 am
Forum: Investing - Theory, News & General
Topic: Treasury Auction - Nobody Came: "Great T-Bill Massacre"
Replies: 145
Views: 11772

Re: Treasury Auction - Nobody Came: "Great T-Bill Massacre"

Ooops, I forgot to put in my normal $19 billion order for T-bills this past weekend. Sorry about that.
by livesoft
Tue Jul 03, 2018 10:21 am
Forum: Investing - Theory, News & General
Topic: 59 1/2 and on my 401(k) advisory committee !!!!
Replies: 5
Views: 833

Re: 59 1/2 and on my 401(k) advisory committee !!!!

If you are not doing a backdoor Roth IRA, then I suggest you bail.
by livesoft
Tue Jul 03, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: Does the ROTH IRA force us to rebalance in January?
Replies: 24
Views: 1406

Re: Does the ROTH IRA force us to rebalance in January?

If I have only gains in my taxable and I choose to sell there to move the money over to my Roth, am I realizing an unnecessary capital gain? Anybody who has money to contribute to a Roth at the first of the year has to be keeping that money somewhere. If it is under the mattress, then I can see why...
by livesoft
Tue Jul 03, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Transporting bikes with an SUV?
Replies: 38
Views: 1728

Re: Transporting bikes with an SUV?

Videos abound on youtube.com so one can see all kinds of reviews of bike racks.
by livesoft
Mon Jul 02, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3288

Re: How do I fix my heating bill?

I wonder if something is mis-wired or installed incorrectly. One thing I would do in that situation is discuss with the neighbors what their bills are like to see if my bills are completely out of line. Maybe your neighbor even wired up their house to your meter. If you turn off everything electric ...
by livesoft
Mon Jul 02, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Why does baking soda remove smell from old books?
Replies: 12
Views: 922

Re: Why does baking soda remove smell from old books?

GrowthSeeker wrote:
Mon Jul 02, 2018 6:27 pm
Another helpful trick is to put the book out in the sun turning pages from time to time. I think the UV does a number on the mold spores, although obviously the light doesn't reach everywhere.
But sunlight can bleach ink, dyes, and figures in books, too.
by livesoft
Mon Jul 02, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: Why does baking soda remove smell from old books?
Replies: 12
Views: 922

Re: Why does baking soda remove smell from old books?

The shelves are ventilated, so all the volatile chemicals should be whisked far away over time? Yes, but new ones would be created continuously, wouldn't they? Plus the books would absorb the volatile chemicals given off by their neighbors and even themselves. So they wouldn't be "whisked away over...
by livesoft
Mon Jul 02, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Why does baking soda remove smell from old books?
Replies: 12
Views: 922

Re: Why does baking soda remove smell from old books?

Odors are chemicals. Volatile chemicals. Once all volatile chemicals are gone, they won't get to your nose. Take vinegar for instance. It is acetic acid which is volatile. If it combines with a base like baking soda, then it goes to acetate which is not volatile. Of course, if acid in the air (or in...
by livesoft
Mon Jul 02, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge account: I have 3-fund portfolios in Vanguard, what can Merrill Edge add?
Replies: 11
Views: 949

Re: Merrill Edge account: I have 3-fund portfolios in Vanguard, what can Merrill Edge add?

retiredjg wrote:
Mon Jul 02, 2018 4:35 pm
You might get some sort of bonus or banking advantage at BOA or credit card offer.
I think this is the story. I don't have Merrill Edge, but I do have something similar at WellsFargo. It makes all banking free free free for me.
by livesoft
Mon Jul 02, 2018 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Am I beating the market?
Replies: 3
Views: 496

Re: Am I beating the market?

You could easily be beating the market. I suspect the dates that you used for "Personal Performance" do not overlap directly with the dates that Vanguard uses for fund performance at another place on the web site. I always joke that if you buy a fund at below its closing NAV on 12/31/last year, then...
by livesoft
Mon Jul 02, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: American Opportunity Tax Credit - General Questions
Replies: 23
Views: 2558

Re: American Opportunity Tax Credit - General Questions

jrbdmb wrote:
Mon Jul 02, 2018 4:04 pm
(Note that the 4th line says "for more than four tax years" rather than "for four tax years.")
So is 5 "more than four"? It is for even for small values of 5 and large values of 4.
by livesoft
Mon Jul 02, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Charles: W9 to report citizenship!
Replies: 10
Views: 786

Re: Charles: W9 to report citizenship!

I have entities tell me: Yes, we know your social, but we don't have the W-9, so we'd like to get that. I suspect that in their computer system there is a checkbox in your record that a W-9 has been filed and maybe a link to the scanned document. If there is no W-9 and they have your SSN, then they ...
by livesoft
Mon Jul 02, 2018 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Child Roth Ira Question
Replies: 7
Views: 702

Re: Child Roth Ira Question

No, you cannot.
by livesoft
Mon Jul 02, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Charles: W9 to report citizenship!
Replies: 10
Views: 786

Re: Charles: W9 to report citizenship!

BogleMelon wrote:
Mon Jul 02, 2018 2:21 pm
My understanding is that it is the equivalent tax form for W4 but for those who are self employed
That is my understanding as well, but also for any investor with an account
https://www.investopedia.com/articles/p ... 9-form.asp
by livesoft
Mon Jul 02, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Charles: W9 to report citizenship!
Replies: 10
Views: 786

Re: Charles: W9 to report citizenship!

Congratulations!

I fill out a W9 almost every year for something or other, so I don't worry about it.
by livesoft
Mon Jul 02, 2018 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting question
Replies: 15
Views: 1014

Re: Tax loss harvesting question

Thanks for the clarifications, I will think about the options. One more TLH question... I also own VTIAX (Total International) that has about $6k in losses, what should I do about that? Is there another international index I can switch to? One of the most common TLH transactions on bogleheads.org i...
by livesoft
Mon Jul 02, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: Case Study: Broker speed of dividend payments
Replies: 85
Views: 17099

Re: Case Study: Broker speed of dividend payments

An update about monthly bond ETF dividends now that settlement time is T+2 and no longer T+3. This is a confirmation of my 10/05/2017 post. The good news: Vanguard now sets the payable date for its bond fund ETFs such and BND and VCSH as 2 trading days after the record date. The bad news: Others hav...
by livesoft
Mon Jul 02, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Recommend a vehicle for $24,000 or less
Replies: 47
Views: 3719

Re: Recommend a vehicle for $24,000 or less

^Truecar was recently discussed on the forum. The conclusion was they had higher prices than one could normally get ... just like Costco has higher prices than one could normally get. But yes, I suppose one can look at Truecar and figure out that they should get a lower price than what Truecar states.
by livesoft
Mon Jul 02, 2018 12:11 pm
Forum: Investing - Theory, News & General
Topic: 28 w/heavy small cap tilt?
Replies: 41
Views: 2940

Re: 28 w/heavy small cap tilt?

I would not set up any portfolio myself based on portfolio visualizer which has the fatal flaw that all backtesting is using month-end numbers and ignores what happens intramonth. That is, portfolio visualizer uses less than 5% of the days the market is open each year. I have a small-cap and value t...
by livesoft
Mon Jul 02, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Recommend a vehicle for $24,000 or less
Replies: 47
Views: 3719

Re: Recommend a vehicle for $24,000 or less

Are all these mentioned prices truly truly Out-the-Door including all taxes (state, local, sales, property, whatever), all fees, and EVERYTHING? how can that possibly be known? Better to compare pre-tax prices, because taxes and fees are a local issue and vary widely from place to place. Re: fees. ...
by livesoft
Mon Jul 02, 2018 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Do you own just 5% of anything?
Replies: 65
Views: 4670

Re: Do you own just 5% of anything?

UniversityEmployee9 wrote:
Mon Jul 02, 2018 11:17 am
What are your new ideas?
DGS and MTUM
by livesoft
Mon Jul 02, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: Jason Zweig: Congrats Investors! You’re Behaving Less Badly Than Usual
Replies: 17
Views: 2913

Re: Jason Zweig: Congrats Investors! You’re Behaving Less Badly Than Usual

(But, hey, at least you can amuse yourself with some dramatic buying and selling.) Got it! Thanks! :) The Zweig article says "A study published this month by Morningstar, the investment-research firm, finds that the average mutual fund gained 5.79% annually over the 10 years ending March 31; the av...
by livesoft
Mon Jul 02, 2018 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Wife Leaving Work- 401K Plan Question
Replies: 6
Views: 748

Re: Wife Leaving Work- 401K Plan Question

If your family does not need the money, then I would recommend that she increase her 401(k) contribution NOW to the maximum possible, so that she might try to reach the $18,500(?) legal 401(k) contribution limit for 2018. She can contribute to a Roth IRA as long as you and her have combined earned i...
by livesoft
Mon Jul 02, 2018 11:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 120
Views: 8971

Re: Vanguard to offer non-Vanguard ETFs commission-free

Choy wrote:
Mon Jul 02, 2018 11:09 am
I’ve been hesitant to use Vanguard for taxable brokerage accounts because I feel they have issues with record keeping along with other general issues. I’ve had money go “missing” for a period of time.

Anyone else have concerns?
Of course, I am concerned.
by livesoft
Mon Jul 02, 2018 11:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 120
Views: 8971

Re: Vanguard to offer non-Vanguard ETFs commission-free

jhfenton wrote:
Mon Jul 02, 2018 11:04 am
So I'm going to be stuck with it for while.
You sound like you are disappointed. I think most folks would not mind being stuck with it.
by livesoft
Mon Jul 02, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: How to handle small reinvested dividends with TLH
Replies: 2
Views: 239

Re: How to handle small reinvested dividends with TLH

Could not find the post detailing how to handle it at tax time? Here it is: https://www.bogleheads.org/forum/viewtopic.php?t=179414 Fortunately, you won't have a wash sale if you sell the shares bought with the reinvested dividends. So sell those shares, too. They probably will have a loss anyways, ...
by livesoft
Mon Jul 02, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 120
Views: 8971

Re: Vanguard to offer non-Vanguard ETFs commission-free

I'm too lazy to read something that is too new, so may I ask if there are early redemption or frequent trading fees or nuances?
by livesoft
Mon Jul 02, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: Jason Zweig: Congrats Investors! You’re Behaving Less Badly Than Usual
Replies: 17
Views: 2913

Re: Jason Zweig: Congrats Investors! You’re Behaving Less Badly Than Usual

Zweig wrote:
"When you chase outperformance, you catch underperformance."

Is the converse (at least with index funds) then true? -> When you chase underperformance, you catch outperformance.
by livesoft
Mon Jul 02, 2018 9:37 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 120
Views: 8971

Re: Vanguard to offer non-Vanguard ETFs commission-free

Ah, it's nice when feedback to Vanguard leads to implementation.

The costs and expenses to implement commissions are probably higher than any income that they get from commissions anyways.

This is also why Robinhood and M1 Finance are not going to survive in my opinion.
by livesoft
Mon Jul 02, 2018 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Do you own just 5% of anything?
Replies: 65
Views: 4670

Re: Do you own just 5% of anything?

Yes, I have some new ideas that I am trying to grow above 5%. The reality is that one starts at 0% and works their way up.

But I will always have less than 5% in cash and closer to 0% in cash.
by livesoft
Mon Jul 02, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Picking out funds for the first time.
Replies: 5
Views: 351

Re: Picking out funds for the first time.

You will have to talk to JP Morgan about what they can do for you. I do know that the JPMorgan Chase employee 401(k) plan is full of passively-managed, low-expense-ratio index funds. So their employees know what a good fund is because they have good funds available to them in their own 401(k) plan. ...
by livesoft
Mon Jul 02, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Recommend a vehicle for $24,000 or less
Replies: 47
Views: 3719

Re: Recommend a vehicle for $24,000 or less

Are all these mentioned prices truly truly Out-the-Door including all taxes (state, local, sales, property, whatever), all fees, and EVERYTHING?
by livesoft
Sun Jul 01, 2018 9:06 pm
Forum: Investing - Theory, News & General
Topic: Do Advisers Add $$$ Value?
Replies: 71
Views: 5375

Re: Do Advisers Add $$$ Value?

Re: risk and clients, here's anecdote: I know someone who received a 7-figure life insurance payout. They kept the money in a bank savings account paying 0.1% interest because they were afraid of a high-yield savings account Ally and anything where they needed to use the Internet. Their advisor trie...
by livesoft
Sun Jul 01, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 82
Views: 4531

Re: bike helmets

Livesoft, Sasquatch, Timerunner: I am guessing all three of you wear a helmet while in a car or as a pedestrian, as it is far more likely to have a head injury as a pedestrian or in a car than while riding a bike — and you all are rational expert assessors of risk, correct? :) My car has airbags. M...
by livesoft
Sun Jul 01, 2018 8:51 pm
Forum: Investing - Theory, News & General
Topic: "homemade dividends" from Total Stock Market fund
Replies: 135
Views: 8530

Re: "homemade dividends" from Total Stock Market fund

When bond fund dividends are paid out, the NAV does not drop. This depends on the bond fund, but for Vanguard Total Bond Market Index fund it is true. It is not true for VSCSX for example. Livesoft: Does the short-term corporate bond fund not accumulate dividends on a daily basis? And just to clari...
by livesoft
Sun Jul 01, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting question
Replies: 15
Views: 1014

Re: Tax loss harvesting question

Bond funds will usually have less volatility than equity funds so being "out of the market" for 30 days is unlikely to matter much when it comes to price. While I agree completely with that statement, it is mostly because the word "usually" was used. As I noted the other day, VBTLX went from $10.32...
by livesoft
Sun Jul 01, 2018 8:07 pm
Forum: Investing - Theory, News & General
Topic: "homemade dividends" from Total Stock Market fund
Replies: 135
Views: 8530

Re: "homemade dividends" from Total Stock Market fund

Artsdoctor wrote:
Sun Jul 01, 2018 8:04 pm
When bond fund dividends are paid out, the NAV does not drop.
This depends on the bond fund, but for Vanguard Total Bond Market Index fund it is true. It is not true for VSCSX for example.