Search found 75362 matches

by livesoft
Sat Apr 10, 2021 8:10 pm
Forum: Investing - Theory, News & General
Topic: Question on International Funds...
Replies: 7
Views: 299

Re: Question on International Funds...

If I were to hypothetically recommend 20% international stock, then I would write, "I recommend that 20% of your equity holdings are international funds."
by livesoft
Sat Apr 10, 2021 8:04 pm
Forum: Investing - Theory, News & General
Topic: Question on International Funds...
Replies: 7
Views: 299

Re: Question on International Funds...

depends on the context and what they mean. So no wonder it can be confusing. If it is important to you, then ask them for clarification.
by livesoft
Sat Apr 10, 2021 7:03 pm
Forum: Personal Investments
Topic: Is it possible to open and fund a Roth IRA for my kid
Replies: 15
Views: 899

Re: Is it possible to open and fund a Roth IRA for my kid

One can always give money to their child even if they cannot have a Roth IRA. A so-called taxable account for young person invested tax-efficiently is pretty much like a Roth IRA anyways. These accounts are UTMA or UGMA accounts which the OP can look up. Parents can contribute (give!) the child LOTS...
by livesoft
Sat Apr 10, 2021 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite Boglehead-ish Podcasts?
Replies: 15
Views: 1057

Re: Favorite Boglehead-ish Podcasts?

The Long View with hosts Christine Benz and Jeff Ptak
https://www.morningstar.com/podcasts/the-long-view
by livesoft
Sat Apr 10, 2021 8:09 am
Forum: Investing - Theory, News & General
Topic: Rebalance frequency
Replies: 34
Views: 2236

Re: Rebalance frequency

I like to think backwards. To wit, rebalancing into equities on the lowest day of the year for equities is the best day of the year to rebalance into equities. And by the same token, rebalancing out of equities on the highest day of the year is the best day of the year to rebalance out of equities. ...
by livesoft
Sat Apr 10, 2021 6:18 am
Forum: Personal Investments
Topic: Roth Ira
Replies: 11
Views: 744

Re: Back door roth

tell it you do not want to withhold taxes
by livesoft
Sat Apr 10, 2021 6:06 am
Forum: Investing - Theory, News & General
Topic: Rebalance frequency
Replies: 34
Views: 2236

Re: Rebalance frequency

Frequent rebalancing will leaf (sic) to lower returns. How so? How much lower? Under the assumption that stocks out-perform bonds & CE investments more often than not, that means the majority of rebalances are likely to be moving money out of stocks and into bonds/cash. So making those moves mo...
by livesoft
Sat Apr 10, 2021 5:44 am
Forum: Investing - Theory, News & General
Topic: Rebalance frequency
Replies: 34
Views: 2236

Re: Rebalance frequency

unclescrooge wrote: Sat Apr 10, 2021 1:35 am Frequent rebalancing will leaf (sic) to lower returns.
How so? How much lower?
by livesoft
Sat Apr 10, 2021 5:41 am
Forum: Personal Finance (Not Investing)
Topic: HSA advice Jane Quinn How to Make Your Money Last
Replies: 37
Views: 2827

Re: HSA advice Jane Quinn How to Make Your Money Last

The issue about "being out of the market" is important ... this will be a much bigger consideration when I roll my two 401ks into IRAs. If "being out of the market" is a big negative for one and the Account-to-be-Moved cannot be transferred in-kind, then it has been suggested ma...
by livesoft
Fri Apr 09, 2021 8:56 pm
Forum: Investing - Theory, News & General
Topic: Rebalance frequency
Replies: 34
Views: 2236

Re: Rebalance frequency

I look often, but rebalance less often.
by livesoft
Fri Apr 09, 2021 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA and Pro-rata Rule
Replies: 3
Views: 166

Re: Backdoor Roth IRA and Pro-rata Rule

Why don't you already have a solo 401(k) for your self-employment income?
by livesoft
Fri Apr 09, 2021 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: HSA advice Jane Quinn How to Make Your Money Last
Replies: 37
Views: 2827

Re: HSA advice Jane Quinn How to Make Your Money Last

I’ve heard one can be out of the market for a month while moving money from my current custodian (Health Savings Administrators). Gains potentially foregone in that month could cover a lot of fees. Still, I expect I will move it and minimize the pain by going to equities in my tIRA while the HSA is...
by livesoft
Fri Apr 09, 2021 8:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch has a new look
Replies: 75
Views: 5975

Re: Vanguard Portfolio Watch has a new look

I could accept that but the most annoying part is where they ignore your user created holdings where you specify your own data, and it’s now seen as “other”. I am GIVING them thedata and they dont use it. No concern for backwards compatibility nor testing. By "data" I meant breakdown into...
by livesoft
Fri Apr 09, 2021 8:24 pm
Forum: Personal Investments
Topic: Rebalance Tax Quandry
Replies: 10
Views: 776

Re: Rebalance Tax Quandry

There is no magic. You can give away shares of VTI to your DAF. Presumably you are NOT reinvesting dividends including the ones just paid. Otherwise if you don't want to take a tax hit in taxable and you want to reduce your equities, there is only one way out.
by livesoft
Fri Apr 09, 2021 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: In-Laws' HOA demanding $8000 lumpsum payment
Replies: 64
Views: 7323

Re: In-Laws' HOA demanding $8000 lumpsum payment

I think you are saying that the in-laws paid $8000 less for their dwelling than they should have.
by livesoft
Fri Apr 09, 2021 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating different spending/SWR options for early retirement
Replies: 1
Views: 205

Re: Evaluating different spending/SWR options for early retirement

My advice is to just stop planning and experience the first few years of retirement. That experience will help you plan the rest of it.
by livesoft
Fri Apr 09, 2021 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: HSA advice Jane Quinn How to Make Your Money Last
Replies: 37
Views: 2827

Re: HSA advice Jane Quinn How to Make Your Money Last

Dinosaur Dad wrote: Fri Apr 09, 2021 5:03 pm I had an HSA at my old company (left 5 years ago)...am letting it grow in place. There are some fees, ....
So why not switch to a custodian with no fees like Fidelity? It is extremely painless and hassle-free to switch, so there is probably no excuse to pay fees.
by livesoft
Fri Apr 09, 2021 5:01 pm
Forum: Investing - Theory, News & General
Topic: Real Return Fakers & Quitting Investing For Good
Replies: 37
Views: 3613

Re: Real Return Fakers & Quitting Investing For Good

I don't see a problem for the OP doing what they are suggesting. I also predict they will change their mind later in the future if they do what they are suggesting. That's the prerogative of a 33-year old.
by livesoft
Fri Apr 09, 2021 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: HSA advice Jane Quinn How to Make Your Money Last
Replies: 37
Views: 2827

Re: HSA advice Jane Quinn How to Make Your Money Last

I just checked the book. That really is her advice regarding HSAs. Paraphrasing: Spend it down, don’t let it build up. Spend it down fast, so you don’t forget it. Small HSAs will be eaten up in fees in retirement. Boy, that’s really bad advice. OP should just stick with their plan on how to handle ...
by livesoft
Fri Apr 09, 2021 4:43 pm
Forum: Personal Investments
Topic: Simplifying portfolio
Replies: 8
Views: 960

Re: Simplifying portfolio

I would not have bond ETFs nor mutual fund ETFs in my taxable account at all. Use them in a tax-deferred account. So why not sell all of them and buy VTI? Sell a similar amount of equity funds in tax-deferred and buy BND. That should avoid a wash sale for selling AGG at a loss. Or keep only SHY and ...
by livesoft
Fri Apr 09, 2021 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: HSA advice Jane Quinn How to Make Your Money Last
Replies: 37
Views: 2827

Re: HSA advice Jane Quinn How to Make Your Money Last

Sounds like a typo. What you have listed applies to FSA and not to HSA.
by livesoft
Fri Apr 09, 2021 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block not allowing stock sale on 1099-B
Replies: 11
Views: 714

Re: H&R Block not allowing stock sale on 1099-B

I think that must be the source of the problem. But I cannot delete the 4797, and when I try to unclick the box "sale of business, farm or rental property", I get the message "Unchecking this box will not delete any information. We'll take you into this topic to delete any unneeded i...
by livesoft
Fri Apr 09, 2021 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block not allowing stock sale on 1099-B
Replies: 11
Views: 714

Re: H&R Block not allowing stock sale on 1099-B

Say what? 1099-B is most definitely the normal document for a stock sale through a brokerage house. What document do you think it gets reported on if not a 1099-B? Agree with this. It is hard to tell what the user error is with the OP. They seem to be inside a part of the program dealing with Sched...
by livesoft
Fri Apr 09, 2021 12:31 pm
Forum: Personal Consumer Issues
Topic: Are you competitive? If so, how do you compete as you get older?
Replies: 46
Views: 2909

Re: Are you competitive? If so, how do you compete as you get older?

humblecoder wrote: Fri Apr 09, 2021 11:34 amThat said, I didn't get a cool varsity jacket. Oh well! :beer
Our public school district gives out jackets for the academic teams as well as the sports teams. The jackets are identical so the jocks look exactly like the nerds.
by livesoft
Fri Apr 09, 2021 12:26 pm
Forum: Personal Investments
Topic: No Bonds
Replies: 40
Views: 2442

Re: No Bonds

The proposed portfolio is well within the typical portfolios presented on the forum. Your cash will earn less than a bond fund in the long-term, but so what?
by livesoft
Fri Apr 09, 2021 12:24 pm
Forum: Personal Investments
Topic: HELP - How to Allocate $5M in retirement funds
Replies: 18
Views: 2808

Re: HELP - How to Allocate $5M in retirement funds

Since there is no taxable account listed, I would recommend one.single.fund and the exact.same.fund in each and every one of the accounts. This could be a Fidelity Freedom Index fund or even the 4-in-one fund like FFNOX. Since it will not cost any taxes to switch or change things, there is probably ...
by livesoft
Fri Apr 09, 2021 7:50 am
Forum: Personal Consumer Issues
Topic: Are you competitive? If so, how do you compete as you get older?
Replies: 46
Views: 2909

Re: Are you competitive? If so, how do you compete as you get older?

As competitive sports become less and less a part of my life I was thinking about how I’ll continue to fuel the competitive fire. I’m looking for ideas. How do you stay competitive? For sports, you coach or you become a referee. For other endeavors, you teach your minions to be better than anyone e...
by livesoft
Fri Apr 09, 2021 7:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch has a new look
Replies: 75
Views: 5975

Re: Vanguard Portfolio Watch has a new look

Pretty strange that they can’t get the whole thing right considering it is not exactly computer programming rocket science. I think they would have to pay for more data feeds and staff to manage those data feeds, so a place with rock-bottom expenses does not want to do that. Everything is easy if y...
by livesoft
Fri Apr 09, 2021 7:44 am
Forum: Personal Consumer Issues
Topic: How do I learn to buy a car?
Replies: 15
Views: 1387

Re: How do I learn to buy a car?

Change your attitude. You are the scammer. The car dealers are not scammers. They would go out of business if they were. Then follow the other advice on this thread, on the internet, in books, from your mom, etc.
by livesoft
Fri Apr 09, 2021 7:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch has a new look
Replies: 75
Views: 5975

Re: Vanguard Portfolio Watch has a new look

GoldenFinch wrote: Fri Apr 09, 2021 7:40 am... So basically if you updated all of your other brokerage accounts to Vanguard you weren’t getting a correct idea of your asset allocation to large, mid and small cap stocks. ...
It is still wrong because it includes only US equities and not international/foreign equities in one's portfolio.
by livesoft
Fri Apr 09, 2021 7:38 am
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch has a new look
Replies: 75
Views: 5975

Re: Vanguard Portfolio Watch has a new look

This is not related to Portfolio Watch but to new things at VG. I swear I received a VG Voyager e-mail maybe a month ago (which I've since deleted) about the introduction of new fees for trading and for mutual funds. Has anyone heard this news? Been trying to remember exactly what/how the new fees ...
by livesoft
Thu Apr 08, 2021 7:34 pm
Forum: Personal Investments
Topic: Help! Vanguard lost my money in a 403b trustee transfer
Replies: 9
Views: 1626

Re: Help! Vanguard lost my money in a 403b trustee transfer

Send Vanguard an e-mail and letter. How long has the money been missing? 5 weeks? Less than 5 weeks? More than 5 weeks?

While Vanguard may be the trustee, many places have a 3rd party firm in-between the account owner and the custodian. Is that your situation as well?
by livesoft
Thu Apr 08, 2021 7:25 pm
Forum: Personal Consumer Issues
Topic: How frequently should I water shrubs that were planted in late fall
Replies: 14
Views: 715

Re: How frequently should I water shrubs that were planted in late fall

skor99 wrote: Thu Apr 08, 2021 7:21 pm I see some new growth starting on the boxwoods , not on the arborvitae yet
You are a pro already. The shrubs will be fine.
by livesoft
Thu Apr 08, 2021 7:24 pm
Forum: Personal Investments
Topic: Just spoke w FA at VG [Financial Advisor at Vanguard]
Replies: 14
Views: 1282

Re: Just spoke w FA at VG

I'm surprised by "large domestic". Why not total domestic market ? I think that the words "large domestic" describe total domestic market in advisor-speak. I would be surprised the Vanguard offered anything different than Total US stock market. Since we were not present during t...
by livesoft
Thu Apr 08, 2021 7:17 pm
Forum: Personal Consumer Issues
Topic: Replacing 20yrs old wooden fence and situation with neighbors
Replies: 34
Views: 4213

Re: Replacing 20yrs old wooden fence and situation with neighbors

just replace the different fencelines separately. You can always duplicate the fence a year or two later. Go 6 feet.. The one neighbor and you can share the cost. The other neighbor will come around when they see how nice your fence is.
by livesoft
Thu Apr 08, 2021 7:12 pm
Forum: Personal Consumer Issues
Topic: How frequently should I water shrubs that were planted in late fall
Replies: 14
Views: 715

Re: How frequently should I water shrubs that were planted in late fall

Globe arborvitae and Boxwoods, Soil is clay , temps are between low 50s to high 60s currently, in Maryland Have these evergreen shrubs produced new lush growth this spring? All our shrubs have. The new lush growth is more sensitive to lack of water than the established leaves, so it should be very ...
by livesoft
Thu Apr 08, 2021 7:05 pm
Forum: Personal Consumer Issues
Topic: How frequently should I water shrubs that were planted in late fall
Replies: 14
Views: 715

Re: How frequently should I water shrubs that were planted in late fall

I look at the leaves and if they start showing signs of wilting, then I know to water them. Otherwise, rain should take care of them. If you cannot tell from the leaves that the plant needs water, then get more practice, ask your neighbors, or watch some youtube videos. What species are these shrubs...
by livesoft
Thu Apr 08, 2021 7:01 pm
Forum: Personal Investments
Topic: Deciding it it's worth it to buy long-term individual stocks
Replies: 51
Views: 4290

Re: Deciding it it's worth it to buy long-term individual stocks

Who can say? If you want to eventually donate the shares to charity, then I do not see any problem with owning individual stocks. Just consider it gone and not yours from the start and you won't have to worry about any tax issues. Also tell your potential heirs not to treat your individual stocks wi...
by livesoft
Thu Apr 08, 2021 4:57 pm
Forum: Personal Consumer Issues
Topic: walking shoes with wide toes?
Replies: 45
Views: 2399

Re: walking shoes with wide toes?

gatorking wrote: Thu Apr 08, 2021 4:33 pm ... LEMS ...
That graphic seems to show less than a thumb-width of extra space for the big toe on the right. Fail.
by livesoft
Thu Apr 08, 2021 4:53 pm
Forum: Personal Investments
Topic: Help deciding ratio of college vs. retirement savings
Replies: 9
Views: 715

Re: Help deciding ratio of college vs. retirement savings

I would guess that your family could use the American Opportunity Tax Credit to help pay for college. In order to get that, you will have to pay out of a taxable account and not a 529 plan. So may I suggest you save and invest $4,000 x 4 for each of your children over the coming years. The beauty of...
by livesoft
Thu Apr 08, 2021 3:54 pm
Forum: Personal Consumer Issues
Topic: walking shoes with wide toes?
Replies: 45
Views: 2399

Re: walking shoes with wide toes?

A former colleague of mine sold shoes throughout his college years to pay for college. He told me that it was easy to get someone to buy a pair of shoes because you just watch them walk up and down the store aisle and observe with great thought and as if possessed of great knowledge. Then you tell t...
by livesoft
Thu Apr 08, 2021 1:46 pm
Forum: Personal Investments
Topic: How to lose the desire of outperforming the market?
Replies: 112
Views: 6830

Re: How to lose the desire of outperforming the market?

One can always cheat and beat a benchmark instead of beating the market. For example, choose a 60/40 benchmark instead of 100/0 benchmark. Maybe you use Vanguard LifeStrategy Moderate Growth or Vanguard Balanced Index fund as a 60/40 benchmark. Then you invest at 70/30 instead of 60/40. You even hav...
by livesoft
Thu Apr 08, 2021 1:22 pm
Forum: Personal Consumer Issues
Topic: walking shoes with wide toes?
Replies: 45
Views: 2399

Re: walking shoes with wide toes?

As with all these shoe threads, eventually every brand of shoe gets recommended. :twisted:
by livesoft
Thu Apr 08, 2021 11:39 am
Forum: Personal Consumer Issues
Topic: walking shoes with wide toes?
Replies: 45
Views: 2399

Re: walking shoes with wide toes?

Altra wide
How wide are your feet in mm? 110 mm? 120 mm?

There are other brands, too. Some folks think NB 2E is wide, but I would use NB 4E and the Altras are wider and have a better-shaped toe box.
by livesoft
Thu Apr 08, 2021 11:26 am
Forum: Personal Consumer Issues
Topic: Shoe Choice for a Walker
Replies: 33
Views: 2609

Re: Shoe Choice for a Walker

First time that I have heard someone mention Altra. I bought a pair off a clearance rack at REI a few years ago. It was a revelation. I have always been more stable and just happier in bare feet than shoes and got heat from family about no support, etc. The zero drop Altra just works so well for me...
by livesoft
Thu Apr 08, 2021 9:04 am
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch has a new look
Replies: 75
Views: 5975

Re: Vanguard Portfolio Watch has a new look

It seems to mischaracterize some individual stocks. It calls Barrick Gold domestic (its Canadian), and HDFC Bank Pacific (its Indian — EM). Wonder why? I don't know, but how do other such tools (M* X-ray, Fidelity GPS) characterize these same stocks? Morningstar X-Ray gets ‘em right — HDFC Bank as ...
by livesoft
Thu Apr 08, 2021 8:55 am
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch has a new look
Replies: 75
Views: 5975

Re: Vanguard Portfolio Watch has a new look

theorist wrote: Thu Apr 08, 2021 8:53 am It seems to mischaracterize some individual stocks. It calls Barrick Gold domestic (its Canadian), and HDFC Bank Pacific (its Indian — EM). Wonder why?
I don't know, but how do other such tools (M* X-ray, Fidelity GPS) characterize these same stocks?
by livesoft
Thu Apr 08, 2021 8:12 am
Forum: Investing - Theory, News & General
Topic: who here is tempted to pullback on stocks?
Replies: 234
Views: 45627

Re: who here is tempted to pullback on stocks?

rascott wrote: Thu Apr 08, 2021 8:00 amSome of us have been 100% equities forever..... so not much to really do to stay the course.
You have the "Easy" button permanently pressed. :)
by livesoft
Thu Apr 08, 2021 7:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch has a new look
Replies: 75
Views: 5975

Re: Vanguard Portfolio Watch has a new look

I want a trumpet fanfare if my account balance is up and a trombone womp-womp if it's down! This would be amazing. :-D Maybe autoload and play a sound snippet for the two daily threads: "U.S. stocks continue to soar" and "U.S. stocks in free fall" whenever one clicks on them?