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Re: Federal Taxes - Sticker Shock (And how to reduce)

[…]But there is a possible "yes" vote, still. You say your emergency fund is 1.5 months of salary. That could mean gross salary or it could mean take home salary. If it is take home salary, you may be considering putting a third of your meager emergency fund into this proposition. Not sma...
by livesoft
Sat Dec 20, 2014 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Taxes - Sticker Shock (And how to reduce)
Replies: 50
Views: 3417

Re: [Why did my fund suddenly drop in value?]

And ETF dividends are somewhat different. Here is a thread on ETF dividends:
Case Study: Broker speed of dividend payments
by livesoft
Sat Dec 20, 2014 11:57 am
 
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 132
Views: 10785

Re: handling large market drops

Also is there a way take advantage of a big drop like that? I've heard of some investor putting money in when there are huge drops, does any one have a plan for this so that if it happens we already know what to do? Yes, I have a plan. It comes up fairly often in the forum and is called the RBD str...
by livesoft
Sat Dec 20, 2014 11:51 am
 
Forum: Investing - Theory, News & General
Topic: handling large market drops
Replies: 12
Views: 339

Re: Is VG Portfolio Tool too aggressive?

Probably (most certainly?) a 60/40 allocation will get one's portfolio to go the distance. I think any deviations from that kind of allocation are all based on one's personality and have little to do with portfolio survival. And only you know your own personality best, so no questionnaire is going t...
by livesoft
Sat Dec 20, 2014 11:43 am
 
Forum: Investing - Theory, News & General
Topic: Is VG Portfolio Tool too aggressive?
Replies: 12
Views: 325

Re: [Why did my fund suddenly drop in value?]

Newcomers and others who use http://www.bogleheads.org have no chance really to see sticky threads. Perhaps http://www.bogleheads.org should actually look more like this: https://www.bogleheads.org/forum/index.php Also there is a very nice FAQ for the forum: http://tinyurl.com/BogleheadsFAQ I'll bet...
by livesoft
Sat Dec 20, 2014 9:30 am
 
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 132
Views: 10785

Re: When do dividends post to Vanguard accounts?

And more from where richard got his quote is pretty clear on the subject of estimates: This is an updated and expanded version of the estimates we posted in November. However, the information presented here isn't final. Estimated dividend amounts are as of November 30, 2014, and will change by the a...
by livesoft
Sat Dec 20, 2014 9:25 am
 
Forum: Investing - Theory, News & General
Topic: When do dividends post to Vanguard accounts?
Replies: 11
Views: 599

Re: When do dividends post to Vanguard accounts?

What I don't understand is why the actual distrbutions are so much higher than the estimates: Perhaps you attribute to the Vanguard prognosticators a better crystal ball than they actually have? For ETF investors, Vanguard ETFs will go ex-dividend on Monday and the payable date will not be until a ...
by livesoft
Sat Dec 20, 2014 9:18 am
 
Forum: Investing - Theory, News & General
Topic: When do dividends post to Vanguard accounts?
Replies: 11
Views: 599

Re: Reinvest Dividends (safely)

I think that monthly reinvested dividends are not something to worry about anyways. For one thing, it is not illegal to have a wash sale. For another thing, dividends should be relatively small compared to amounts tax-loss harvested. It is easy to deal with a wash sale on your tax return. I even hav...
by livesoft
Sat Dec 20, 2014 8:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest Dividends (safely)
Replies: 8
Views: 378

Re: Don't be tempted to buy your teen a cheap (old) car, par

2cents2 wrote:I wonder which car would meet all the specifications--being heavy enough and incorporating all the safety features?

AviN's link to the Monash University Australian/NZ article has a chart that shows the Volvo XC90 probably fits your query.
by livesoft
Sat Dec 20, 2014 8:28 am
 
Forum: Personal Consumer Issues
Topic: Don't be tempted to buy your teen a cheap (old) car, parents
Replies: 42
Views: 2353

Re: Scared to Invest

2. Wait for the market to drop 10% put in half and then the other half after another 10% drop. (I know this is market timing and the market could go up 10% before it goes down) but maybe this would lower my chances of another 10 years of zero return? I noticed that the international stock market in...
by livesoft
Sat Dec 20, 2014 8:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Scared to Invest
Replies: 35
Views: 1864

Re: Help Needed ETF Picking: Tax Implications

I would just keep the investments you have unless they really bother you. Here are some things one can do: 1. Do not automatically reinvest dividends on your existing ETFs. 2. Do not buy more of your existing ETFs. 3. Start your new phase of VTI, VXUS, BND. 4. Consider that your VV, IJH, IJR shares ...
by livesoft
Sat Dec 20, 2014 7:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Help Needed ETF Picking: Tax Implications
Replies: 3
Views: 181

Re: Don't be tempted to buy your teen a cheap (old) car, par

A link to the study and not a report of the study: http://injuryprevention.bmj.com/content/early/2014/12/02/injuryprev-2014-041401.full.pdf+html The abstract ends with: Few teenagers’ vehicles had electronic stability control or side airbags as standard features. Parents should consider safety when ...
by livesoft
Sat Dec 20, 2014 7:20 am
 
Forum: Personal Consumer Issues
Topic: Don't be tempted to buy your teen a cheap (old) car, parents
Replies: 42
Views: 2353

Re: How to (re)balance across 401(k), Roth IRA, and taxable?

Many of your questions are addressed in the Bogleheads wiki: http://www.bogleheads.org/wiki/Rebalancing Here's my bunch of questions: - Should I hold all three funds in each of my account types? If so, should I rebalance each account separately? I do not and I recommend that for now you do not. I d...
by livesoft
Sat Dec 20, 2014 6:53 am
 
Forum: Investing - Help with Personal Investments
Topic: How to (re)balance across 401(k), Roth IRA, and taxable?
Replies: 1
Views: 185

Re: Tax loss harvesting in excess of $3000

Another reason to TLH all losses is to help avoid the behavioral finance trap of loss aversion.
by livesoft
Fri Dec 19, 2014 10:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting in excess of $3000
Replies: 12
Views: 678

Re: Federal Taxes - Sticker Shock (And how to reduce)

4. Avoid interest at all costs (Schedule B top half should have less than $10 in interest). Question: how do you do this if you have a taxable emergency fund? Series I bonds? Thanks for the info! 1. I have an I bond, but defer the taxes until later. It is not used as an emergency fund. 2. I do not ...
by livesoft
Fri Dec 19, 2014 10:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Taxes - Sticker Shock (And how to reduce)
Replies: 50
Views: 3417

Re: Don't be tempted to buy your teen a cheap (old) car, par

The WSJ chart shows fatalities only on age of car and not divided into cars with and without ESC, side airbags, etc. Old cheap cars do have ESC, side-impact airbags, ABS, daytime running lights, third brake light, traction control, shoulder belts, etc. We have a 2001 that has all those things that m...
by livesoft
Fri Dec 19, 2014 9:47 pm
 
Forum: Personal Consumer Issues
Topic: Don't be tempted to buy your teen a cheap (old) car, parents
Replies: 42
Views: 2353

Re: Federal Taxes - Sticker Shock (And how to reduce)

He is hardly in a position to give anything to charity. Gill OP made more money than me this year. I believe he certainly is in a position to give money to charity if he so chooses. He may even have appreciated shares that he can donate, but hadn't thought about. I spoke with someone earlier this w...
by livesoft
Fri Dec 19, 2014 3:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Taxes - Sticker Shock (And how to reduce)
Replies: 50
Views: 3417

Re: Where do stock dividends go before distributed by a fund

The money goes into the cash sweep account(s) of the mutual fund to be reinvested in shares of anything or to be used to pay out redemptions or whatever. That's the same place that one's money would go if they sent money in to buy new shares of the fund. How many transactions a day does the cash swe...
by livesoft
Fri Dec 19, 2014 2:50 pm
 
Forum: Investing - Theory, News & General
Topic: Where do stock dividends go before distributed by a fund?
Replies: 5
Views: 564

Re: Federal Taxes - Sticker Shock (And how to reduce)

I assume you are getting the child tax credit(s), assuming your children are under 16. There is a phase-out of this based on income beginning at $110,000 AGI, so making those 401(k) contributions along with HSA, FSA, health insurance, etc. may help keep one eligible. See http://www.irs.gov/pub/irs-...
by livesoft
Fri Dec 19, 2014 2:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Taxes - Sticker Shock (And how to reduce)
Replies: 50
Views: 3417

Re: Tax Efficienct Portfolio

Looks fine for now, but one should realize that one can change that Roth in the future when it will probably be larger. Also even the taxable account can have a bond fund if needed. For instance, many very high income folks have a tax-exempt bond fund in a taxable account. In a low tax-bracket, you ...
by livesoft
Fri Dec 19, 2014 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Efficienct Portfolio
Replies: 7
Views: 611

Re: Question about reinvesting dividends

I do all kinds of things with ETF dividends, but from experience I would recommend that you automatically reinvest bond ETF dividends into bond ETFs if you can. The reasons are that bond ETFs pay dividends every month, the dividends usually are not a lot so that one cannot get to an integer number o...
by livesoft
Fri Dec 19, 2014 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: Question about reinvesting dividends
Replies: 3
Views: 445

Re: Tracking growth of investment

I cannot be bothered with doing a spreadsheet. That's way too much work. Instead, I use MSMoney installed on an old laptop. I got MSMoney free off the internet. I put in all my transactions (less than 10 a year plus dividends) and click on "Favorite Reports" where I find my 2014YTD returns...
by livesoft
Fri Dec 19, 2014 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tracking growth of investment
Replies: 8
Views: 583

Re: Disappointed with sale items

Send it back. Telling us will do almost no good. Why aren't you talking to BB?
by livesoft
Fri Dec 19, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Disappointed with sale items
Replies: 14
Views: 1298

Re: Is this market timing?

If one had picked an asset allocation of 70/30, then when stocks rose, their PE's would rise also and one would naturally rebalance into bonds. Conversely, when stocks dropped, their PE's would drop also and one would naturally rebalance into equities.
by livesoft
Fri Dec 19, 2014 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is this market timing?
Replies: 10
Views: 585

Re: Does anyone know what's happening with GWX today?

Ah, too late for this: I didn't look at all, but sometimes funds including ETFs pay capital gains, so a dividend payment may not be the whole story. This shows the estimates from a couple days ago: https://www.spdrs.com/library-content/public/SPDR%20ETF%20Estimated%20Capital%20Gains%202014%20as%20of...
by livesoft
Fri Dec 19, 2014 12:12 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone know what's happening with GWX today?
Replies: 7
Views: 661

Re: Good, Brief Articles on the Boglehead Way?

How about video? Or audio?

The Larry Swedroe in Peoria video ( https://www.youtube.com/watch?v=Bri9lnk3ogU ) covers a lot in about an hour, but maybe one hour is too long even if it watching TV.
by livesoft
Fri Dec 19, 2014 11:18 am
 
Forum: Investing - Theory, News & General
Topic: Good, Brief Articles on the Boglehead Way?
Replies: 8
Views: 704

Re: Chat with Vanguard: robo-advisers and site enhancements

I suppose all accounts outside of a rebalancing platform could be invested in target retirement or life strategy style funds, so that they would maintain their own asset allocations and not need to be included in the platform. So one could choose such a fund in a 401(k) or employer-sponsored plan an...
by livesoft
Fri Dec 19, 2014 11:14 am
 
Forum: Investing - Theory, News & General
Topic: Chat with Vanguard: robo-advisers and site enhancements
Replies: 9
Views: 1212

Re: Schwab Intelligent Portfolios

People tend not to move around that often. Inertia and possible taxes stops them from moving. Otherwise people would be popping out of Ameriprise and EdwardJones so much that those companies would have to fold. One thing about capturing assets is that the other guys don't get those assets. That's al...
by livesoft
Fri Dec 19, 2014 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios
Replies: 13
Views: 1021

Re: Schwab Intelligent Portfolios

OK, I would have a concern: I wonder how much trading will go in these accounts. I can see that if they did not use a reasonable band for rebalancing that they could have more transactions in a year than were necessary. If the portfolio turned over 100% in a year, then Schwab could make out better t...
by livesoft
Fri Dec 19, 2014 10:37 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios
Replies: 13
Views: 1021

Re: Schwab Intelligent Portfolios

I say be the first on your block to go with this and report back to us. Thanks! BTW, one of my neighbors could be your Schwab guy. It is fun to joke to him about all the titles these salesreps get to have. I think everyone is a VP which is pretty low on the corporate ladder, isn't it? He has two Mas...
by livesoft
Fri Dec 19, 2014 10:30 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios
Replies: 13
Views: 1021

Re: Federal Taxes - Sticker Shock (And how to reduce)

I thought health insurance payments were only deductible if you owned the business or if they reached a certain threshold. Is that not the case? That is generally not the case. Employees who pay health insurance premiums from their paycheck will not have those premiums included in their W-2 Box 1, ...
by livesoft
Fri Dec 19, 2014 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Taxes - Sticker Shock (And how to reduce)
Replies: 50
Views: 3417

Re: Federal Taxes - Sticker Shock (And how to reduce)

Just to clarify a couple points from above. You're not getting a return on your money by contributing to an IRA and getting a tax break, .... Actually, it is possible that making major contributions to pre-tax plans puts one in a lower tax-bracket and out of some tax credit phase-out regions, so on...
by livesoft
Fri Dec 19, 2014 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Taxes - Sticker Shock (And how to reduce)
Replies: 50
Views: 3417

Re: Federal Taxes - Sticker Shock (And how to reduce)

Can you expand on this? Charitable donations are a 1:1 reduction on taxable income, yes? If so, even at a 33% tax rate, I can't see the logic behind donating $30K (arbitrary figure used as an example) to save $10K on taxes....you'd still be out $20K. Of course, I could just be missing something. Yo...
by livesoft
Fri Dec 19, 2014 9:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Taxes - Sticker Shock (And how to reduce)
Replies: 50
Views: 3417

Re: Federal Taxes - Sticker Shock (And how to reduce)

Tax management is a 12-month a year job. Here is a thread about a family that has more income than yours, but pays less tax: http://www.bogleheads.org/forum/viewtopic.php?t=79510 That thread has lots and lots of tips. I don't understand how an IRA has a "net cost". It should not cost anyth...
by livesoft
Fri Dec 19, 2014 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Taxes - Sticker Shock (And how to reduce)
Replies: 50
Views: 3417

Re: VWINX declining, any ideas why?

This thread though may be a first: The OP doesn't even own the fund in question. :)

I noticed this morning that for some ETFs that I own, the dividends are about 10% higher than the Vanguard estimates of last week.
by livesoft
Fri Dec 19, 2014 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: VWINX declining, any ideas why?
Replies: 42
Views: 3602

Re: Timing to rebalance portfolio

I am happy to write about timing, but everyone knows that one cannot be 100% correct all the time. However, one cannot also be 100% wrong all the time either. The timing of giving away shares to charity or selling shares are both the same problem although not quite the same. One would like to do bot...
by livesoft
Fri Dec 19, 2014 7:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Timing to rebalance portfolio
Replies: 4
Views: 591

Re: Total US Equity Exposure Using Russell 1000 & Russell 25

I wonder if the S&P500 plus the Russell 2500 make up the Russell 3000? If so, then perhaps your 401(k) has a S&P500 index fund. Yes, you wrote that it does not, but the S&P500 index is so common in 401(k) plans that maybe it goes by another name. The method process I would use to synthes...
by livesoft
Thu Dec 18, 2014 10:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total US Equity Exposure Using Russell 1000 & Russell 2500?
Replies: 8
Views: 673

Re: Colbert Report

Colbert Report fans will probably enjoy the Fresh Air tribute to Stephen Colbert from today:
http://www.npr.org/2014/12/18/371659078 ... exhaustion
by livesoft
Thu Dec 18, 2014 8:18 pm
 
Forum: Investing - Theory, News & General
Topic: Colbert Report
Replies: 26
Views: 4123

Re: Relocating to Florida - Need some advice

Buy some alligator repellent, fire ant repellent, python repellent, brown recluse repellent, rattlesnake repellent, cottonmouth repellent, mosquito repellent, etc. Oh, you mentioned beaches, so add shark repellent, jellyfish repellent, too. Presumably you already have tick repellent coming from CT. ...
by livesoft
Thu Dec 18, 2014 7:31 pm
 
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 2306

Re: Term life insurance- I don't have it. Do I need it?

One may not need to replace their income even if one has people that depend on it. I always used the question, "If I died, would my dependents have to change their financial lives?" The answer for my death has always been "No", so I have never bought life insurance and neither ha...
by livesoft
Thu Dec 18, 2014 7:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term life insurance- I don't have it. Do I need it?
Replies: 19
Views: 1206

Re: Tax Loss Carryover Schedule D

One can request a free transcript of their previous year's tax return and work out what the carryover value is from that transcript. Don't ask me how I know that. :)
by livesoft
Thu Dec 18, 2014 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Loss Carryover Schedule D
Replies: 8
Views: 699

Re: Chat with Vanguard: robo-advisers and site enhancements

Thanks for posting. I would like to point out that I prefer to rebalance in my non-Vanguard 401(k) and make virtually no transactions in my Vanguard accounts which is quite different from what you seem to want to do. I posted a thread about how I use the Vanguard portfolio watch tool to help make re...
by livesoft
Thu Dec 18, 2014 6:28 pm
 
Forum: Investing - Theory, News & General
Topic: Chat with Vanguard: robo-advisers and site enhancements
Replies: 9
Views: 1212

Re: How would one track gains of individual stocks in an ind

Why not just give away the difference between the index fund and your SRI funds? Perhaps give away the 1%, too. That would be better than giving the 1% to the fund managers.
by livesoft
Thu Dec 18, 2014 6:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: How would one track gains of individual stocks in an index?
Replies: 14
Views: 519

Re: HSA question

There is no loophole because one is spending the money on medical expenses. Other taxpayers get a similar loophole: tax-free medical expenses. For instance, when I was employed, the health insurance payments for the health insurance that my employer offered were made pre-tax. Or are you suggesting t...
by livesoft
Thu Dec 18, 2014 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 11
Views: 908

Re: HSA question

You now have significant bucks in the account. Maybe it is time to read the IRS publication on HSAs so that you become familiar with the rules and the forms that you will need to fill out?

I did a courtesy google for you and found this reading material: http://www.irs.gov/pub/irs-pdf/p969.pdf
by livesoft
Thu Dec 18, 2014 4:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 11
Views: 908

Re: [Why did my fund suddenly drop in value?]

Bumpity, bumpity, bump, bump.
by livesoft
Thu Dec 18, 2014 4:21 pm
 
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 132
Views: 10785

Re: Asset allocation tool?

Perhaps you are trying to be too exact. I think drifts off of nominal asset allocation of 1% to 2% are normal and routine. Here is a thread describing what I do: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=150267&p=2248842 But I am generally satisfied if I am within a few percent or ...
by livesoft
Thu Dec 18, 2014 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation tool?
Replies: 9
Views: 722

Re: Effect of 0.79 correlation: fantasy vs. reality

I'm still stuck on rebalancing questions. For instance, does that "Improvement in return" graph suggest a value for the rebalancing bonus given a correlation between two investments?
by livesoft
Thu Dec 18, 2014 10:54 am
 
Forum: Investing - Theory, News & General
Topic: Effect of 0.79 correlation: fantasy vs. reality
Replies: 48
Views: 2753

Re: Buying "timing" question

I had to do this myself. I sold VEA and VEU in order to tax-loss harvest, but I did not want to be out of the market at all AND I did not want to buy a dividend that was taxable to me. So when I sold VEA and VEU in taxable, I bought total int'l in a tax-advantaged account by exchanging from a bond f...
by livesoft
Thu Dec 18, 2014 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying "timing" question
Replies: 13
Views: 1272
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