Search found 75697 matches

by livesoft
Sat May 15, 2021 7:32 am
Forum: Personal Investments
Topic: Please rate my portfolio and provide help on any needed changes
Replies: 6
Views: 376

Re: Please rate my portfolio and provide help on any needed changes

boglebond92182 wrote: Sat May 15, 2021 12:53 am This is my current portfolio with Vanguard. Am I doing this right? What changes should I make if any?
I think this is great. I wouldn't change a thing.
by livesoft
Sat May 15, 2021 7:17 am
Forum: Personal Consumer Issues
Topic: Blood Pressure Monitor?
Replies: 28
Views: 1408

Re: Blood Pressure Monitor?

... Make sure to request manual blood pressure check by your nurse as these are always accurate. They are only as accurate as the person manually doing the pressure check. I would trust a robot to do this measurement more than I would trust a human. As I have noted before, earlier in my life one of...
by livesoft
Fri May 14, 2021 10:17 pm
Forum: Personal Consumer Issues
Topic: Blood Pressure Monitor?
Replies: 28
Views: 1408

Re: Blood Pressure Monitor?

I think the parts inside the Omron ones are all the same. I think the difference between the $35 one and that $100 one could be bells and whistles such as WiFi or Bluetooth to a cell phone and an app. Some have AC adapters. My inexpensive one stores about 20 past measurements for each of person A an...
by livesoft
Fri May 14, 2021 9:52 pm
Forum: Personal Consumer Issues
Topic: Blood Pressure Monitor?
Replies: 28
Views: 1408

Re: Blood Pressure Monitor?

Walmart sells Omron BP monitors. I have one still working perfectly bought for my son's science fair project 12 years ago. A similar one is under $35 at walmart.com. My spouse was upset that it read her BP "too high", so she bought a different one, but that one also read her BP "too h...
by livesoft
Fri May 14, 2021 6:31 pm
Forum: Personal Investments
Topic: Please be kind ....Newbie with a question
Replies: 22
Views: 2204

Re: Please be kind ....Newbie with a question

I generally buy MORE bond fund shares when they drop in value because I have reasonable asset allocation percentage for fixed income (i.e. bonds) in my portfolio.
by livesoft
Fri May 14, 2021 2:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 15230
Views: 1176970

Re: U.S. stocks continue to soar!

fatcoffeedrinker wrote: Fri May 14, 2021 2:08 pm
livesoft wrote: Fri May 14, 2021 1:57 pm IJS is UP more than 5% since its RBD less than 48 hours ago.
Yup. I picked up 300 shares at $100.74 at the end of Wednesday. Nice little gain.
I admit that today I sold the shares I purchased a couple days ago. It is like my bond fund made more than 4% in 2 days!
by livesoft
Fri May 14, 2021 1:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 15230
Views: 1176970

Re: U.S. stocks continue to soar!

IJS is UP more than 5% since its RBD less than 48 hours ago.
by livesoft
Fri May 14, 2021 1:36 pm
Forum: Personal Investments
Topic: What's Your Rebalancing Workflow?
Replies: 18
Views: 1209

Re: What's Your Rebalancing Workflow?

Workflow: 1. Receive e-mail alert from my broker that something is may be having an RBD (an ETF of equities or an ETF of bonds). 2. Check if something is truly having an RBD. 3. If an RBD, sell something else and buy the thing having the RBD. All trades done in my largest value tax-deferred account....
by livesoft
Fri May 14, 2021 11:21 am
Forum: Personal Finance (Not Investing)
Topic: TD Ameritrade - New Home page?
Replies: 4
Views: 439

Re: TD Ameritrade - New Home page?

Maybe you used the "Combined accounts" tab to see the pie charts of all your accounts combined? Or perhaps the "Positions cards" which I think has been there a long time?
by livesoft
Fri May 14, 2021 8:48 am
Forum: Personal Investments
Topic: Basis in tiaa - does it matter?
Replies: 6
Views: 527

Re: Basis in tiaa - does it matter?

In a tax sense, basis is not what you paid for them. For instance, if one has an IRA with so-called deductible and non-deductible contributions, then the concept of "basis" is important. Thus, your tax basis for your tax-deferred TIAA account is likely to be zero. Of course, that does not ...
by livesoft
Fri May 14, 2021 7:57 am
Forum: Personal Investments
Topic: Move VNQ from taxable to tax deferred?
Replies: 8
Views: 617

Re: Move VNQ from taxable to tax deferred?

If you are going to retire next year and get into a lower tax bracket, then I would suggest not realizing large capital gains in 2021. If you have losses in any shares in any lots, then sure, sell all losers in your taxable account. Personally, I would not own VNQ at all except for short-term tradin...
by livesoft
Fri May 14, 2021 6:21 am
Forum: Personal Finance (Not Investing)
Topic: What specific complaints do you have for your tax software
Replies: 56
Views: 2506

Re: What specific complaints do you have for your tax software

What have you observed about your programs and the companies' customer service? Yesterday I had the opportunity to watch a "newbie" who had never used tax prep software before use HRBock. Namely, my now independent son asked for help with his 2020 tax return. You may not know me, but I wa...
by livesoft
Fri May 14, 2021 5:35 am
Forum: Personal Investments
Topic: Tax Loss Harvesting - key points to keep in mind
Replies: 8
Views: 987

Re: Tax Loss Harvesting - key points to keep in mind

More key points: A wash sale is not illegal. A wash sale is not the end of the world. A wash sale requires no more lines on your tax return than a non-wash sale. If you have ever missed a turn or a freeway exit while driving, then you circle around and go back and make your turn. That's basically wh...
by livesoft
Thu May 13, 2021 7:55 pm
Forum: Personal Investments
Topic: Is a taxable account worth it in this scenario?
Replies: 7
Views: 940

Re: Is a taxable account worth it in this scenario?

I think it is fine you put this money into VTSAX in a taxable account. You would have be OK with losing money. I know from reading this forum that many people are afraid of losing money, so they will come along shortly and disagree with me.
by livesoft
Thu May 13, 2021 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign tax credit and foreign capital gains
Replies: 7
Views: 588

Re: Foreign tax credit and foreign capital gains

Thanks livesoft. Just to be clear, the dividends from such a ETF are considered foreign sourced given that they have been taxed by a foreign government? You should look this up on the iShares web site. Many ETFs have both foreign-source and US-source dividends and the 1099-DIV does not tell you the...
by livesoft
Thu May 13, 2021 6:00 pm
Forum: Personal Consumer Issues
Topic: Best time to buy tires
Replies: 36
Views: 2369

Re: Best time to buy tires

I have bought tires from the local Discount Tire a few times. They are always sending "promotions" e-mail and many of them are "e-mail only", so they may not be generally advertised. Also the tire manufacturers have promotions as well. That written, I haven't noticed any special ...
by livesoft
Thu May 13, 2021 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign tax credit and foreign capital gains
Replies: 7
Views: 588

Re: Foreign tax credit and foreign capital gains

No, it does not. The EFA etf is created/sponsored by a US entity.
by livesoft
Thu May 13, 2021 3:20 pm
Forum: Personal Consumer Issues
Topic: Hiking solo in the [Smoky] Mountains
Replies: 65
Views: 4239

Re: Hiking solo in the Smoking Mountains

I'll also add the caution to be careful around waterfalls. We have several people a year get injured or killed because they decided to do something stupid around a waterfall. The rocks are slick and the water is fast and powerful. Yes, it seems that waterfalls kill and injure more people than bears...
by livesoft
Thu May 13, 2021 1:39 pm
Forum: Personal Consumer Issues
Topic: Hiking solo in the [Smoky] Mountains
Replies: 65
Views: 4239

Re: Hiking solo in the Smoking Mountains

bac wrote: Thu May 13, 2021 12:46 pm ... and the worst that happened is that my heart raced on a couple of occasions.
Never had my heart race with seeing a bear in the wild. However, when sharks approached me while I was snorkeling that was another matter.
by livesoft
Thu May 13, 2021 1:37 pm
Forum: Personal Consumer Issues
Topic: Hiking solo in the [Smoky] Mountains
Replies: 65
Views: 4239

Re: Hiking solo in the Smoking Mountains

mptfan wrote: Thu May 13, 2021 1:06 pm Where are the "Smoking Mountains"? lol
Volcanoes National Park perhaps?
by livesoft
Thu May 13, 2021 12:20 pm
Forum: Personal Consumer Issues
Topic: Summer Couples Vacation Spots
Replies: 24
Views: 1957

Re: Summer Couples Vacation Spots

Bahamas
Bermuda
Montreal
....
by livesoft
Thu May 13, 2021 8:53 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 23290
Views: 3043749

Re: U.S. stocks in free fall

livesoft wrote: Wed May 12, 2021 5:17 pm Some things had RBDs today.
And another win for the RBD strategy.
by livesoft
Thu May 13, 2021 8:37 am
Forum: Personal Consumer Issues
Topic: Hiking solo in the [Smoky] Mountains
Replies: 65
Views: 4239

Re: Hiking solo in the Smoking Mountains

I backpack solo in many places with black bears and usually see a bear or two. Most have ignored me, but some have run away. I have not backpacked in the Smokies, but I would have no problems backpacking solo there. While there are better places to ask this question and learn about best practices wh...
by livesoft
Thu May 13, 2021 7:34 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 23290
Views: 3043749

Re: U.S. stocks in free fall

Stinky wrote: Thu May 13, 2021 7:29 am S&P and Nasdaq futures now positive.

Time to change threads.
I was gonna say, this is the BUY thread; the other thread is the SELL thread.
by livesoft
Thu May 13, 2021 5:54 am
Forum: Personal Investments
Topic: Interest rate changes retroactively on savings account?
Replies: 4
Views: 697

Re: Interest rate changes retroactively on savings account?

It is not a savings account. It is a money market account which is like an FDIC-insured money market fund. The rate fluctuates, but that's the way these things work. They should only advertise the current rate i.e. yesterday's rate for the day, or the previous 7-day yield. Back in the early 1980s wh...
by livesoft
Wed May 12, 2021 5:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 23290
Views: 3043749

Re: U.S. stocks in free fall

Some things had RBDs today.
by livesoft
Wed May 12, 2021 5:13 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing Bonus
Replies: 32
Views: 2278

Re: Rebalancing Bonus

Do the math. Suppose "rebalancing does increase returns", so suppose one moves 10% of portfolio from bonds to equities at the right time and equities go up 5%. That would be 10% times 5% increase in performance over doing nothing assuming bonds do not change value. That's an extra 0.5% tot...
by livesoft
Wed May 12, 2021 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: How did you figure out what to Retire TO?
Replies: 51
Views: 3178

Re: How did you figure out what to Retire TO?

I have a number of hobbies, volunteer activities, and friends, so I just spend more time now with my hobbies, volunteer activities, and friends than I did when I was working. It has turned out to be rather simple to figure out.
by livesoft
Wed May 12, 2021 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: best order of withdrawal of retirement accounts.
Replies: 21
Views: 2355

Re: best order of withdrawal of retirement accounts.

I would use tax-prep software to determine taxes for "What if?" scenarios.

I would be inclined to sell the single stock shares as needed, to do Roth conversions, and to give away appreciated shares held for at least 1 year to my DAF.
by livesoft
Wed May 12, 2021 1:04 pm
Forum: Personal Consumer Issues
Topic: Solar Power Bank for an iPhone?
Replies: 3
Views: 399

Re: Solar Power Bank for an iPhone?

Oooh! An Arctic Breeze USB fan! Required for camping during hot Texas summers! I always use lightweight power banks. Portable solar panels just aren't there yet, but I suppose for car camping they can work, but why wouldn't one just use their car battery to charge their cell phone or something else ...
by livesoft
Wed May 12, 2021 7:47 am
Forum: Personal Investments
Topic: "No Transaction Fee" Mutual Funds at TD Ameritrade
Replies: 10
Views: 958

Re: "No Transaction Fee" Mutual Funds at TD Ameritrade

You are rockin' and rollin' now. I'm glad this was not complicated and indeed easy to accomplish for you.
by livesoft
Tue May 11, 2021 9:28 pm
Forum: Personal Consumer Issues
Topic: Cuban Cigars in Costa Rica?
Replies: 2
Views: 404

Re: Cuban Cigars in Costa Rica?

My spouse bought Cuban cigars in Cuba, then she found out they were less expensive when she went to Bermuda.

I think you should savor the experience of going to Costa Rica without knowing any details and then finding out about the shops in real time. More fun that way. :)
by livesoft
Tue May 11, 2021 6:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch has a new look [Calculations may be incorrect]
Replies: 185
Views: 14565

Re: Vanguard Portfolio Watch has a new look [Calculations may be incorrect]

... Funny, the Fidelity and Morningstar Xray reports were both the same and had the same values as my previous VG PW output had. Hard to figure out how VG messed this up this badly. :annoyed Not funny. I have routinely used Fidelity GPS, TDAmeritrade X-ray, and Vanguard Portfolio Watch. Yes, Fideli...
by livesoft
Tue May 11, 2021 5:24 pm
Forum: Personal Investments
Topic: Does anybody actually rebalance across bond holdings?
Replies: 25
Views: 1524

Re: Does anybody actually rebalance across bond holdings?

KingRiggs/livesoft- This is kind of the only combination I was thinking of. Two funds, equal term risk, but one more exposed to credit risk than the other. I do not consider my two funds to have equal term risk. So I look at the Short-term Corporate Bond Index fund as having shorter term risk for m...
by livesoft
Tue May 11, 2021 9:48 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1197
Views: 56523

Re: Bird watchers – what birds are you seeing?

Some folks are pasting/linking pictures of birds from other web sites. While it might be a terms-of-use violation for those sites, I think this leads to practically unattainable expectations of what one can actually experience in real life. Can you tell I've been watching the videos on "The Sci...
by livesoft
Tue May 11, 2021 8:08 am
Forum: Personal Investments
Topic: Does anybody actually rebalance across bond holdings?
Replies: 25
Views: 1524

Re: Does anybody actually rebalance across bond holdings?

I market time between Total Bond Index and Short-term Corporate Bond Index. I would not call it Rebalancing, but I do not go from 0% ST corp bond to 100% total bond and vice versa. That is, I typically have some fraction of each of them. And if you are thinking that market timing would lose one lots...
by livesoft
Tue May 11, 2021 7:56 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 23290
Views: 3043749

Re: U.S. stocks in free fall

I haven't noticed an RBD since 4/20 when AVUV dropped and then went up about 10% in about 2 weeks. It would be nice to have another RBD soon-ish.
by livesoft
Tue May 11, 2021 5:48 am
Forum: Personal Investments
Topic: Your Honest Opinion On This SCV Portfolio
Replies: 22
Views: 1703

Re: Your Honest Opinion On This SCV Portfolio

I do not like all the small percentages. The reality is that you won't pay attention to them and you won't rebalance them anyways. Suppose your NZ ticker doubles in value in a single day. That is, it goes up 100% in single day. Then that doubling will just get lost in what the other tickers do in th...
by livesoft
Mon May 10, 2021 6:46 pm
Forum: Personal Consumer Issues
Topic: Large, shaded garden area - simple ideas?
Replies: 20
Views: 1798

Re: Large, shaded garden area - simple ideas?

Maybe you will be able to grow dirt or mushrooms? You could also compost in this space and use the compost later in a very sunny place. If one walks around their neighborhood or anywhere else, then one can see what fills shady spaces and arrive at their own ideas. Perhaps you can make it into a natu...
by livesoft
Mon May 10, 2021 4:35 pm
Forum: Personal Investments
Topic: needs advice on: converting a target date fund to 3-fund portfolio to increase bond holding d/t a windfall
Replies: 17
Views: 1123

Re: needs advice on: converting a target date fund to 3-fund portfolio to increase bond holding d/t a windfall

There's some planning that may be valuable ahead of time like not carrying substantially identical funds in taxable and tax advantaged so that you don't accidently trigger wash sales while trying to TLH. Perhaps. I haven't had any problems having the exact same fund in many accounts and still being...
by livesoft
Mon May 10, 2021 3:11 pm
Forum: Personal Investments
Topic: needs advice on: converting a target date fund to 3-fund portfolio to increase bond holding d/t a windfall
Replies: 17
Views: 1123

Re: needs advice on: converting a target date fund to 3-fund portfolio to increase bond holding d/t a windfall

RE: #4, I got you, that is a great idea. I appreciate your clean approach. I am planning to max out my 403b/457b/roth as long as I could so I do plan to reserve a portion of the windfall for that purpose. Would you also comment on funds I can consider with future TLH in mind? I have both vanguard a...
by livesoft
Mon May 10, 2021 8:50 am
Forum: Personal Investments
Topic: How much is enough for a single man to retire?
Replies: 54
Views: 5895

Re: How much is enough for a single man to retire?

newyorker wrote: Mon May 10, 2021 8:47 amI dont think it will either. Philosophical question. What is the point of working hard and reaching FI when we will eventually turn into a dust.
Great question! As it was once explained to me: There is no point. I can live with that.
by livesoft
Mon May 10, 2021 8:41 am
Forum: Personal Investments
Topic: How much is enough for a single man to retire?
Replies: 54
Views: 5895

Re: How much is enough for a single man to retire?

My biggest fear is being treated like a trash at nursing home. Money will never solve that problem. You will need family to overcome that problem. Rosebud. Does family solve that though? Ive seen alot of old man/woman literally dumped into nursing home and barely anyone come in and visit them... th...
by livesoft
Mon May 10, 2021 8:17 am
Forum: Personal Investments
Topic: How much is enough for a single man to retire?
Replies: 54
Views: 5895

Re: How much is enough for a single man to retire?

newyorker wrote: Mon May 10, 2021 8:07 am My biggest fear is being treated like a trash at nursing home.
Money will never solve that problem. You will need family to overcome that problem. Rosebud.
by livesoft
Mon May 10, 2021 8:15 am
Forum: Investing - Theory, News & General
Topic: Expense Ratios and Ratings / Recommendations
Replies: 7
Views: 552

Re: Expense Ratios and Ratings / Recommendations

I think it is not unusual for people to buy funds because of their stars. As far as bond funds go the return is generally commensurate with risk, so if a fund has higher performance than a total bond index fund, then it must take on higher risk to get that higher performance and pay for its expense ...
by livesoft
Mon May 10, 2021 7:34 am
Forum: Personal Investments
Topic: Investing - Approaching Retirement
Replies: 4
Views: 421

Re: Investing - Approaching Retirement

I read your post and everything looks fine. Do you do your own taxes? Do you understand Roth conversions? Would you be up for running some tax-prep scenarios now and in the future to see if you would save on taxes if you did Roth conversions? Would delaying the start of Social Security benefits be l...
by livesoft
Mon May 10, 2021 6:45 am
Forum: Personal Investments
Topic: Roth and TD Ameritrade
Replies: 6
Views: 412

Re: Roth and TD Ameritrade

TDAmeritrade is an excellent brokerage to open a Roth IRA at. We have several TDAmeritrade accounts including Roth and traditional IRAs. We only use ETFs and not mutual funds at TDAmeritrade, but nowadays TDAmeritrade has all the Schwab funds for no-transaction fee including the Schwab low-expense r...
by livesoft
Sun May 09, 2021 7:08 pm
Forum: Personal Investments
Topic: What does your bond portfolio look like in this low interest world?
Replies: 65
Views: 5584

Re: What does your bond portfolio look like in this low interest world?

Our bond portfolio consists of Total US Bond Index, Short-term corporate bond index, and TIAA Traditional Annuity (like a stable value fund).

The ratio is about 82% Total Bond, 12% ST-corp bond, 6% TIAA TA.

@db55, so how does knowing our bond portfolio help you?
by livesoft
Sun May 09, 2021 6:55 pm
Forum: Personal Investments
Topic: needs advice on: converting a target date fund to 3-fund portfolio to increase bond holding d/t a windfall
Replies: 17
Views: 1123

Re: needs advice on: converting a target date fund to 3-fund portfolio to increase bond holding d/t a windfall

So you are basically writing that you want that 66% cash invested in your asset allocation, but have found it hard to pull the trigger. If you are maxing both 403(b) and 457 ($19,500 + $19,500 = $38K), then perhaps you are using some of that cash to help meet expenses? It also seems you want an asse...