Search found 61594 matches

by livesoft
Mon Aug 13, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Is the price of a new car a good proxy for the expense of owning it?
Replies: 38
Views: 2257

Re: Is the price of a new car a good proxy for the expense of owning it?

I like the analysis. Thanks.

Do you have any hint if ownership goes beyond 5 years to 10 or 15 years?
by livesoft
Mon Aug 13, 2018 11:09 am
Forum: Investing - Help with Personal Investments
Topic: What am I missing about bonds...
Replies: 31
Views: 3838

Re: What am I missing about bonds...

aerosurfer wrote:
Mon Aug 13, 2018 10:56 am
What do you mean?
Is the purpose of your bond fund to make 30% a year on your investment in the bond fund?
by livesoft
Mon Aug 13, 2018 10:24 am
Forum: Investing - Theory, News & General
Topic: Offering 401k Advice to my coworkers?
Replies: 36
Views: 3239

Re: Offering 401k Advice to my coworkers?

^That case has little or nothing to do with giving out advice. Instead it is about fees which is not what was asked about.

And @smitcat, thanks for the note.
by livesoft
Mon Aug 13, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: much better ytd return than the vg s&p 500
Replies: 7
Views: 839

Re: much better ytd return than the vg s&p 500

Hello BH hope you are doing well Just wondering what is your thought as for the YTD return. Looks like bellow YTD return is much better ( 70% more ) than the benchmark VG S&P500 ( YTD 6.7% ) stock, so why not try out them even if the ER a bit higher( i don't know how to calculate impacting actual r...
by livesoft
Mon Aug 13, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: High Deductible Health Plans & Retirement
Replies: 12
Views: 1803

Re: High Deductible Health Plans & Retirement

Our family out-of-pocket max is only slightly higher than the individual high deductible, so for us it was easy to meet the deductible and the OOP in the sense that one only had to be really sick just one time, but not in the sense of finding cash to pay them. OTOH, all the providers were able to se...
by livesoft
Mon Aug 13, 2018 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Boglehead 3/4 asset implementation for Fidelity/TD Ameritrade/ETrade update?
Replies: 8
Views: 755

Re: Boglehead 3/4 asset implementation for Fidelity/TD Ameritrade/ETrade update?

Have you figured out how to find Total US Stock Market Index Total International Stock Market Index Total US Bond Market Index passively-managed, low-expense ratio, no commission funds/ETFs at all these brokers? If not, why not? If their web sites are so bad, then you should probably close your acco...
by livesoft
Sun Aug 12, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard updated 1099 in August!
Replies: 28
Views: 1984

Re: Vanguard updated 1099 in August!

thangngo wrote:
Sun Aug 12, 2018 9:09 pm
Only on hindsight. It could be very much the other way.
Nah, I'm always losing money on something.
by livesoft
Sun Aug 12, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard updated 1099 in August!
Replies: 28
Views: 1984

Re: Vanguard updated 1099 in August!

livesoft wrote:
Sun Aug 12, 2018 8:45 pm
We have not filed 2017 taxes yet. I'll get around to it in October.
And the cool thing is that we are getting a refund. If we had gotten the refund earlier, we would have just invested in an international index fund and lost money.
by livesoft
Sun Aug 12, 2018 9:03 pm
Forum: Investing - Theory, News & General
Topic: Offering 401k Advice to my coworkers?
Replies: 36
Views: 3239

Re: Offering 401k Advice to my coworkers?

Is anybody aware of a 401(k) committee member being sued by a plan participant for giving out advice? I am unaware of that happening. I think the risk of such a lawsuit is grossly exaggerated in this forum.
by livesoft
Sun Aug 12, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard updated 1099 in August!
Replies: 28
Views: 1984

Re: Vanguard updated 1099 in August!

What's the rush to send in an Amended Return? There might be a correction to the correction.

We have not filed 2017 taxes yet. I'll get around to it in October.
by livesoft
Sun Aug 12, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 5803

Re: how much car can we afford?

cuihang wrote:
Sun Aug 12, 2018 6:53 pm
I don't quite understand why it's such a hot topic regarding how much I can afford a car.
One can bathe in the attention before buying the car and later when driving the car. And believe me, I know what bathing in attention is all about.
by livesoft
Sun Aug 12, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Housing affordability - what is your take?
Replies: 73
Views: 6705

Re: Housing affordability - what is your take?

My personal experience living near NYC and later in Texas: Children are not as expensive as many people on this forum make them out to be. My salary went up when I moved from NY to TX, so I don't think one's salary has to drop when they move from a HCOL area. We rented until our late 30's. We missed...
by livesoft
Sun Aug 12, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 5803

Re: how much car can we afford?

T4REngineer wrote:
Sun Aug 12, 2018 6:29 pm
Let it go
Yes, the OP could sell the expensive car at any time.
by livesoft
Sun Aug 12, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: High Deductible Health Plans & Retirement
Replies: 12
Views: 1803

Re: High Deductible Health Plans & Retirement

Only one procedure or E.R. visit is all that one needs to hit their deductible, so that means the 2nd, 3rd, 4th, ... procedures are essentially free.
by livesoft
Sun Aug 12, 2018 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Which account to build up?
Replies: 17
Views: 959

Re: Which account to build up?

If interest rates go back up beyond 6% or 8%, then I think the OP will be kicking themselves for trying to pay off the mortgage ahead of time.

I would not focus on paying off the mortgage.
by livesoft
Sun Aug 12, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Income sharing in lieu of College loans?
Replies: 2
Views: 381

Re: Income sharing in lieu of College loans?

I couldn't tell how the idea works. For instance, does one in a low-paying job pay back less than someone who just paid college expenses and someone who has a high paying job pay more? If so, then such plans would attract students expecting to get low paying jobs. That has unintended consequences wh...
by livesoft
Sun Aug 12, 2018 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Does Wash sale extension of holding period apply to gains?
Replies: 6
Views: 350

Re: Does Wash sale extension of holding period apply to gains?

When writing or talking about a wash sale, I think it is important to never use the term "substantially similar" even in quotes because the IRS never uses that term. The IRS uses a different term with a different meaning.
by livesoft
Sun Aug 12, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 5803

Re: how much car can we afford?

I wonder what kind of cars the OP drives right now?
by livesoft
Sun Aug 12, 2018 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor or no advisor?
Replies: 16
Views: 1370

Re: Advisor or no advisor?

Why do you find that interesting? Why do you think we should have a taxable account? Because I think that In general if one has contributed the maximum possible to a typical 401(k) plan, then one can only reach about a million dollars in the plan. Yes, I know there are some exceptional 401(k) plans...
by livesoft
Sun Aug 12, 2018 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: REIT placement... Why not a Roth? Why tax-deferred?
Replies: 25
Views: 1563

Re: REIT placement... Why not a Roth? Why tax-deferred?

iceport wrote:
Sun Aug 12, 2018 1:53 pm
Does that make sense?
That makes sense.

But it seems like many folks think that one can make a decision of where to put something and then they can never change the location ever again I think one can change things around when other things have changed.
by livesoft
Sun Aug 12, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Used Car Negotiation
Replies: 29
Views: 2670

Re: Used Car Negotiation

It seems to me that bogleheads.org could provide a service here: Used and New Car Pricing Determined by People Who Really Know!
by livesoft
Sun Aug 12, 2018 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor or no advisor?
Replies: 16
Views: 1370

Re: Advisor or no advisor?

You have asked questions which really have no answers that others can give you. 1. Only you know if an advisor is worth it to you. It seems like she is not. I would not have an advisor, but some people would. Some people would even separate the investment management from the advisor. 2. Only you kno...
by livesoft
Sun Aug 12, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Tipping lawn service and trash pickup
Replies: 27
Views: 2039

Re: Tipping lawn service and trash pickup

For trash pickup, it is tricky nowadays because a single driver in a robot truck picks up the trash. They get a hand wave!

For maids, they get one extra month of "salary" in mid-December. You could do the same for lawn service I suppose.
by livesoft
Sun Aug 12, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Housing affordability - what is your take?
Replies: 73
Views: 6705

Re: Housing affordability - what is your take?

Are only very high income dual income people buying real estate in the large metros? Yes. How are single income individuals affording homes with traditional affordability metrics? Or are they using different metrics? They get married or shack up or rent out part of the house or get help from others...
by livesoft
Sun Aug 12, 2018 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Wacky Magellan stock prices
Replies: 5
Views: 578

Re: Wacky Magellan stock prices

Check out fidelity,com where all this is RIGHT ON THE TOP OF THE WEB SITE! :)
by livesoft
Sun Aug 12, 2018 10:28 am
Forum: Forum Issues and Administration
Topic: Multi Quote
Replies: 6
Views: 582

Re: Multi Quote

Is there a way to quote and reply to multiple people in a single post? When I tried hitting the quote button it quoted that single post but I could not find a way to add others. Open a new browser window. Go to the post you want to quote, press the quote button, cut the quote (you know how to selec...
by livesoft
Sun Aug 12, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 5803

Re: how much car can we afford?

johussman wrote:
Sun Aug 12, 2018 10:13 am
PFInterest wrote:
Sun Aug 12, 2018 10:12 am
really, you dont even say what you are looking at?
why is this a serious question?

you can afford a used Civic.
I'm looking at a BMW 3 series certified pre owned about 40k with 8k miles on it
Buying that car means that you will not be able to afford other things that you might want.
by livesoft
Sun Aug 12, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: REIT placement... Why not a Roth? Why tax-deferred?
Replies: 25
Views: 1563

Re: REIT placement... Why not a Roth? Why tax-deferred?

If I owned a REIT fund that was going to lose money, then I would want to own it in my tax-deferred accounts.

If I owned a REIT fund that was going to make lots of money, then I would want to own it in my Roth accounts.
by livesoft
Sun Aug 12, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Have to move some $$ into taxable
Replies: 3
Views: 416

Re: Have to move some $$ into taxable

Tax-exempt bond dividends from VCADX are tax-exempt. VHYDX dividends are just like getting interest and do not get treated for tax purposes at a better rate. But as noted, I would not own either of these and would just sell shares of equity funds held in taxable to generate money to spend. Indeed, t...
by livesoft
Sun Aug 12, 2018 7:50 am
Forum: Investing - Help with Personal Investments
Topic: “Safe” investment approaching retirement
Replies: 17
Views: 1694

Re: “Safe” investment approaching retirement

I question the need for a "Safe" investment that won't drop in value. One should be completely satisfied with any ol' bond fund that won't drop more than 10% over a year or so.
by livesoft
Sun Aug 12, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 4775

Re: How often do you check your brokerage accounts

I only check when I have a known transaction that I don't also see elsewhere. For instance, I have a Fidelity taxable account that I look at once per year. The reason is that the dividends get sent to my checking account and that is a good enough "check" on what's going on in that account plus the a...
by livesoft
Sun Aug 12, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: Used Car Negotiation
Replies: 29
Views: 2670

Re: Used Car Negotiation

^I agree with all the statements you made. All of those points have to be taken into account when one is doing price discovery. I can nitpick as well and state that by making dealers compete with each other, many of those same things apply. For instance, maybe one only had 4 dealers respond within a...
by livesoft
Sun Aug 12, 2018 6:58 am
Forum: Personal Finance (Not Investing)
Topic: ow much money I can give my son as a tax freegift
Replies: 7
Views: 1044

Re: ow much money I can give my son as a tax freegift

What does the Austrian government have to do with anything that happens in the US and Australia?
by livesoft
Sun Aug 12, 2018 6:05 am
Forum: Personal Consumer Issues
Topic: Used Car Negotiation
Replies: 29
Views: 2670

Re: Used Car Negotiation

I grew up in the car business & worked in new & used car sales for 3 yrs. Know the car market for the model youre looking at. Determine your price and then check the car out. [...] Sorry, but this is a terrible idea and has been discredited on this forum multiple times. The worst thing to do is wha...
by livesoft
Sun Aug 12, 2018 5:49 am
Forum: Investing - Help with Personal Investments
Topic: Custodial Account - Mutual Funds
Replies: 4
Views: 372

Re: Custodial Account - Mutual Funds

The Fidelity.com web site is touting "No Minimums!!" so maybe your information about them is old. Check in with them again please. But the reality is that there is unlikely to be any benefit to having a small amount in a UTMA anyways. One can save/invest in their own account until the amount is bigg...
by livesoft
Sat Aug 11, 2018 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Private Banking is a trap. Don't do it!
Replies: 55
Views: 6948

Re: Private Banking is a trap. Don't do it!

Whenever a banker wants to sell me something, I sell them something instead. Soon enough, they get tired of buying stuff from me so they avoid me. This is especially true when I offer to invest their money for them for a small fee.
by livesoft
Sat Aug 11, 2018 8:59 pm
Forum: Investing - Theory, News & General
Topic: Switching broker, how to track cost basis for hundreds of small lots
Replies: 2
Views: 406

Re: Switching broker, how to track cost basis for hundreds of small lots

Whenever I transferred in-kind from TDAmeritrade via ACATS, the new broker had the historical list of transactions (and thus cost basis) transferred into it as well. So I think it would be a E*Trade problem and not a TDAmeritrade problem. http://www.dtcc.com/clearing-services/equities-clearing-servi...
by livesoft
Sat Aug 11, 2018 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: stock split: Vanguard balance shows huge decline
Replies: 9
Views: 963

Re: stock split: Vanguard balance shows huge decline

Grt2bOutdoors wrote:
Sat Aug 11, 2018 4:58 pm
Dude! Jackpot!! When are you taking me out to dinner?
October 2018. Pick a restaurant and send me a PM.
by livesoft
Sat Aug 11, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: stock split: Vanguard balance shows huge decline
Replies: 9
Views: 963

Re: stock split: Vanguard balance shows huge decline

It is well known that Vanguard never has accurately updated info until about an hour or two before the next market open. That means numbers can be wrong over weekends, over holidays, and even longer over weekends that are followed by a holiday. But sometimes the error goes the other way: https://i.i...
by livesoft
Sat Aug 11, 2018 2:34 pm
Forum: Investing - Theory, News & General
Topic: Wash sale rules
Replies: 8
Views: 706

Re: Wash sale rules

Name=Random wrote:
Sat Aug 11, 2018 11:25 am
Haven't had the chance to read the articles iceport pointed me to, but logically i get to claim the entire loss because in scenario 3 i actually realized the loss. Is that right?
That's correct, but you will still have to report the wash sale because you had a wash sale.
by livesoft
Sat Aug 11, 2018 1:46 pm
Forum: Investing - Theory, News & General
Topic: Mutual Funds vs. ETF's
Replies: 30
Views: 1949

Re: Mutual Funds vs. ETF's

yousha wrote:
Sat Aug 11, 2018 1:38 pm
Is there a charge for reinvesting distributions for ETF's?
Not at any of my brokers: Fidelity, Vanguard, WellsTrade, TDAmeritrade
by livesoft
Sat Aug 11, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Diversified enough? Large portfolio need direction,
Replies: 6
Views: 759

Re: Diversified enough? Large portfolio need direction,

5. No, no stepped up basis on the Keogh. It is like a tax-deferred 401(k). She likely has to take RMDs anyways. Assets in the taxable account(s) will get a stepped up basis in most situations. 6. She should pay college expenses like tuition directly to the college and not to the grandchild. That way...
by livesoft
Sat Aug 11, 2018 1:09 pm
Forum: Investing - Theory, News & General
Topic: Mutual Funds vs. ETF's
Replies: 30
Views: 1949

Re: Mutual Funds vs. ETF's

mega317 wrote:
Sat Aug 11, 2018 1:07 pm
..., but you can only gift shares of a mutual fund if the recipient already has the minimum investment amount for that fund.
That's not quite true. For instance, I gifted $3,000 worth of Admiral shares to my son. Vanguard demoted them to Investor class. He sold them all anyways.
by livesoft
Sat Aug 11, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Used Car Negotiation
Replies: 29
Views: 2670

Re: Used Car Negotiation

Keep in mind youre dealing with a professional, he talks to several people like you every day. You cant beat him at his own game unless he lets you. Probably not every day. I was in a dealership and they told me they sold only one single car that day when I picked my car up after hours. While I was...
by livesoft
Sat Aug 11, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Sell and use proceeds to buy another ETF in Vanguard?
Replies: 7
Views: 438

Re: Sell and use proceeds to buy another ETF in Vanguard?

There is a way to do that online with 2 separate orders: one after the other. but you need the market to be open, right? Yes, but not if you have a margin account. Or one can use suitably set limits with a limit order even when the market is closed. Or something else. One can certainly submit a sel...
by livesoft
Sat Aug 11, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Sell and use proceeds to buy another ETF in Vanguard?
Replies: 7
Views: 438

Re: Sell and use proceeds to buy another ETF in Vanguard?

No, exchange is not possible right now for ETFs. One must sell and immediately buy, so one doesn't have to wait anyways. There is a way to do that online with 2 separate orders: one after the other.
by livesoft
Sat Aug 11, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Optimal fixed income allocation for TSP users with a Roth IRA
Replies: 8
Views: 612

Re: Optimal fixed income allocation for TSP users with a Roth IRA

Put 30% of your entire portfolio in the G fund. Put equities in everything else including the Roth. I would not use only S&P500 index for the 70% in equities. Since you are able to put $24,000 a year into retirement plans, the $50K going for a home downpayment could be in a 60/40 LifeStrategy fund a...
by livesoft
Sat Aug 11, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Should I pay off last student loan?
Replies: 8
Views: 700

Re: Should I pay off last student loan?

Tell us about your emergency fund and your monthly expenses including the loan payment.