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Re: Would this be a wash sale?

Not a wash sale in my opinion.

If you are going to buy 2 funds to replace VTIAX, then why not VFWAX plus VFSVX?
by livesoft
Fri Oct 31, 2014 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would this be a wash sale?
Replies: 2
Views: 144

Re: Just applied for voyager select.

Not there yet and may never be.
by livesoft
Fri Oct 31, 2014 7:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just applied for voyager select.
Replies: 3
Views: 561

Re: Strategy of 6M trusts meeting tonight. Few Q's

I think you should be charging this FA 0.75% of AUM for your advice. Clearly, losing a $6M account paying $45,000 a year is a big deal to him.
by livesoft
Fri Oct 31, 2014 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Strategy of 6M trusts meeting tonight. Few Q's
Replies: 22
Views: 1536

Re: 401k millionaire

Not there yet and since I am retired, I will probably never get there.
by livesoft
Fri Oct 31, 2014 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k millionaire
Replies: 21
Views: 2805

Re: Checking monthly - may not even notice the October "cras

October was a good month. I rebalanced into international equities (there was that RBD, did you notice it?). Also in late September I tax-loss harvested. The replacement shares were up 2% more than the original shares I had, so not only did I get the tax break, but I also had an unexpected increase ...
by livesoft
Fri Oct 31, 2014 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: Checking monthly - may not even notice the October "crash"
Replies: 49
Views: 3630

Re: Betterment Portfolio Review - Need 3 Fund equivalent %

If no selling, then no 1099-B. One would get a 1099-DIV for dividends paid. The 1099-DIV would be pretty simple. Have you gotten one before?
by livesoft
Fri Oct 31, 2014 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Betterment Portfolio Review - Need 3 Fund equivalent %
Replies: 16
Views: 1054

Re: Betterment Portfolio Review - Need 3 Fund equivalent %

I believe the duplication is for tax loss harvesting purposes. No, for tax loss harvesting you would not hold the duplicate funds at the same time. The above statement cannot be true. It's easy to see why. Suppose one buys VTI at the market low and then later at a price 10% higher. Then the market ...
by livesoft
Fri Oct 31, 2014 3:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Betterment Portfolio Review - Need 3 Fund equivalent %
Replies: 16
Views: 1054

Re: What are you up YTD?

^ "annualized" means much less YTD.
by livesoft
Fri Oct 31, 2014 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 170
Views: 13633

Re: Check my TLH math

If you bought shares on 9/29/2014 and then sold OTHER shares for a loss either 30 days before 9/29 or 30 days after 9/29, then those shares purchased on 9/29/2014 would be considered replacement shares and you would have a wash sale on the OTHER shares you sold. The disallowed loss would be added to...
by livesoft
Fri Oct 31, 2014 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Check my TLH math
Replies: 9
Views: 365

Re: Career change: realistic expectations and risks

It is hard to predict the future. I read the newspapers about the need for more STEM graduates and how we should increase teaching in the STEM fields. On the same pages as those articles are reports of all the layoffs at places like Merck, Pfizer, Hewlett-Packard, etc. So which is it: We need more ...
by livesoft
Fri Oct 31, 2014 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career change: realistic expectations and risks
Replies: 19
Views: 1546

Re: Check my TLH math

One does not have to wait 31 days in order to sell at a loss and not have the sale be a wash sale. One can sell even a moment later at a loss and it will not be a wash sale. And that goes even for partial sales of positions. So I think there is some misunderstanding of what a wash sale is. The conce...
by livesoft
Fri Oct 31, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Check my TLH math
Replies: 9
Views: 365

Re: Paying for new car with loan or IRA?

jkirkmd wrote:I will still need to tap the IRA funds (TIRA or Roth). Would that make a difference? We usually keep cars for 10 years, so we've never been fans of leasing.

Whoopsies! It does not read like you can afford a new car right now while you are not decumulating.
by livesoft
Fri Oct 31, 2014 8:49 am
 
Forum: Personal Consumer Issues
Topic: Paying for new car with loan or IRA?
Replies: 12
Views: 462

Re: Question for AXA Financial Rep

We have already seen on the forum that the AXA salesrep will answer your questions with "I'll have to get back to you on that" or "It will depend on what you sign up for."

I predict they will not disclose fees or commissions in your meeting.
by livesoft
Fri Oct 31, 2014 8:46 am
 
Forum: Investing - Theory, News & General
Topic: Question for AXA Financial Rep
Replies: 9
Views: 408

Re: AA: How to invest from VMMXX to VTMGX?

One should have exchanged to VTMGX before today because of the big increase that will happen today. Oh, well.
by livesoft
Fri Oct 31, 2014 8:24 am
 
Forum: Investing - Help with Personal Investments
Topic: AA: How to invest from VMMXX to VTMGX?
Replies: 7
Views: 496

Re: Oatmeal suggestions

I use store-brand old-fashioned rolled oats. Kroger, to be exact. And I do add nuts (walnut or pecans) and dried cranberries and sometimes even protein powder to help combat sarcopenia.
by livesoft
Thu Oct 30, 2014 11:39 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 130
Views: 7116

Re: BND or a CD

I agree with your numbers. However, suppose interest rates go up and down. What happens? With the bond fund, you have the ability to cash in at your leisure (say when you are definitely ahead of the CD return) as you noted. Also you have the ability to use the fund to rebalance in/out of equities.
by livesoft
Thu Oct 30, 2014 11:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: BND or a CD
Replies: 46
Views: 2510

Re: Would you use TurboTax in this scenerio?

^The foreign tax withheld on each dividend payment should be available, so that pro-rating is not necessary. Just use the actual taxes paid while a resident of that state.
by livesoft
Thu Oct 30, 2014 11:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you use TurboTax in this scenerio?
Replies: 11
Views: 777

Re: Oatmeal suggestions

^I suppose you could do crunches until your oatmeal is ready. Your abs will then look better than my abs … eventually.
by livesoft
Thu Oct 30, 2014 11:04 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 130
Views: 7116

Re: Paying for new car with loan or IRA?

Take the loan. If you don't like it, you can always pay it off early. Better yet, negotiate a 0% loan. They do exist. I have one.
by livesoft
Thu Oct 30, 2014 11:03 pm
 
Forum: Personal Consumer Issues
Topic: Paying for new car with loan or IRA?
Replies: 12
Views: 462

Re: Tax consequences of UGMA account transfer to former mino

My daughter got control of her UGMA (not at Vanguard) without tax consequences (until she sold the funds).

I suppose you can call Vanguard and ask them about their use of language. Don't expect a satisfactory answer though.
by livesoft
Thu Oct 30, 2014 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax consequences of UGMA account transfer to former minor
Replies: 13
Views: 435

Re: BND or a CD

Last year, folks touted CDs over a bond fund, too. Guess what happened? The bond fund returned more than enough to trounce CDs so that even if CDs are better in the future, the bond fund will still come out ahead. I suppose if one needed 100% of their bond fund money on exactly a certain date, that ...
by livesoft
Thu Oct 30, 2014 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: BND or a CD
Replies: 46
Views: 2510

Re: Would you use TurboTax in this scenerio?

I see no problems nor complications from such a simple scenario for TurboTax. I would use TT.
by livesoft
Thu Oct 30, 2014 10:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you use TurboTax in this scenerio?
Replies: 11
Views: 777

Re: RBD for Gold Miners

No kidding.

Code: Select all
Last 5 bad days in the last 120 days occurred on
      2014-10-30:    -7.33
      2014-10-03:    -4.58
      2014-10-29:    -4.34
      2014-05-27:    -3.86
      2014-09-08:    -3.51

But this is too narrow a sector to use the RBD strategy.
by livesoft
Thu Oct 30, 2014 10:48 pm
 
Forum: Investing - Theory, News & General
Topic: RBD for Gold Miners
Replies: 11
Views: 1102

Re: Tax consequences of UGMA account transfer to former mino

No tax consequences until the asset is sold. This could/should be a transfer "in-kind" as far as you are concerned. It would be like me transferring shares of VBR from Vanguard to TDAmeritrade "in-kind". Of course, your child has been paying any taxes (if any) that are due on dis...
by livesoft
Thu Oct 30, 2014 10:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax consequences of UGMA account transfer to former minor
Replies: 13
Views: 435

Re: is this a wash sale?

I'll answer my own question: It is NOT a wash sale.
by livesoft
Thu Oct 30, 2014 10:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: is this a wash sale?
Replies: 12
Views: 555

Re: Coffee House - REIT or Commodity

You understand commodities? How much money have you made in a commodity ETF over the past 12 months? 36 months? 60 months? :)
by livesoft
Thu Oct 30, 2014 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: Coffee House - REIT or Commodity
Replies: 9
Views: 875

Re: AA: How to invest from VMMXX to VTMGX?

Just for your understanding, google got the idea of RBD used by me wrong. Maybe google livesoft rbd?

And where did 10/19/2014 come from? OK, I know it came from a calendar, but ????
by livesoft
Thu Oct 30, 2014 7:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA: How to invest from VMMXX to VTMGX?
Replies: 7
Views: 496

Re: More Math Fun................

Probably equals 3 for large values of 2. But in reality it is more than that.
by livesoft
Thu Oct 30, 2014 7:24 pm
 
Forum: Personal Consumer Issues
Topic: More Math Fun................
Replies: 16
Views: 743

Re: AA: How to invest from VMMXX to VTMGX?

At one shot. Now would be a good time to invest in VTMGX. It has underperformed recently, so buy it while is seems to be lower than other things you can buy. Of course, no guarantees. It could tank next week. Note that VEA had a RBD on 10/09/2014 and a YTD (and more than 12-month) low on 10/16/2014.
by livesoft
Thu Oct 30, 2014 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA: How to invest from VMMXX to VTMGX?
Replies: 7
Views: 496

Re: Career change: realistic expectations and risks

It is hard to predict the future. I read the newspapers about the need for more STEM graduates and how we should increase teaching in the STEM fields. On the same pages as those articles are reports of all the layoffs at places like Merck, Pfizer, Hewlett-Packard, etc. So which is it: We need more S...
by livesoft
Thu Oct 30, 2014 6:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career change: realistic expectations and risks
Replies: 19
Views: 1546

Re: Individual investors behaving badly

Perhaps it deserves its own thread, but this was linked today over at the early retirement forum: http://www.mpt.org/stationrelations/thinkingmoney/ Maryland Public Television's Dave Coyne "Thinking Money: The Psychology Behind our Best and Worst Financial Decisions" about behavioral econo...
by livesoft
Thu Oct 30, 2014 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: Individual investors behaving badly
Replies: 18
Views: 2687

Re: What savings vehicle should I use for my car?

I would just invest in a taxable account with 100% equity index fund that is tax-efficient for a few years. Maybe Total US Stock Market index or Total Int'l Stock Market index. Forget about the saving accounts or I bonds or short-term bonds. My reasoning: The positive consequences way outweigh the n...
by livesoft
Thu Oct 30, 2014 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: What savings vehicle should I use for my car?
Replies: 35
Views: 1503

Re: Are we really in the 0% bracket?

I get a copy of TurboTax around Thanksgiving and do a pro forma tax return for the current tax year. That long weekend is a good weekend to see what kind of tax moves I might need to do for the current tax year. I would not use TaxCaster or any online calculator except to ballpark answers because I ...
by livesoft
Thu Oct 30, 2014 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are we really in the 0% bracket?
Replies: 32
Views: 3743

Re: Oatmeal suggestions

This is an old thread, but I want to report that oatmeal has given me awesome abs. The trick is not to use a rice cooker, but to cook oatmeal in a microwave using the following procedure: 1. Measure 1/2 c oatmeal, 1/2 c Dr Pepper, 1/2 c water into a large glass microwave-proof bowl and set aside. 2....
by livesoft
Thu Oct 30, 2014 3:52 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 130
Views: 7116

Re: Intermediate Bond ETF's

I think it would be a good exercise to compare VSCSX and VCSH which are different share classes of the same short-term corportate bond index fund. Note that VSCSX has a stated YTD performance of 2.07% while for VCSH it is 1.79%. That's a 13.5% difference (if I want to accentuate the difference). Wha...
by livesoft
Thu Oct 30, 2014 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate Bond ETF's
Replies: 9
Views: 789

Re: A Little Common Core Math problem

When I was in 5th grade, we were taught the "new math" by an incompetent teacher. I clearly recall that we learned nothing the first 10 weeks and we were pretty good at letting the teacher or perhaps our parents know it. We then got a substitute teacher and were told the first teacher had ...
by livesoft
Thu Oct 30, 2014 2:57 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2490

Re: How to save tax for 401k in changing your jobs

I can see a rollover to a Roth IRA if they remain unemployed for a year or so. But I doubt that "most" rollover to a Roth IRA. Does anybody have any hard facts on that claim?
by livesoft
Thu Oct 30, 2014 2:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to save tax for 401k in changing your jobs
Replies: 5
Views: 494

Re: is this a wash sale?

rob wrote:The real answer is no one knows the exact definition of "substantially equal" because the IRS has been (deliberately) vague in public rules.......

It doesn't matter if they are substantially equal because the IRS does not use that term.
by livesoft
Thu Oct 30, 2014 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: is this a wash sale?
Replies: 12
Views: 555

Re: is this a wash sale?

Let me ask a question in return.

Suppose one buys VWO on 9/25 and again on 9/29. Then sells on 10/6 the entire 9/29 position in VWO for a gain. Then sells the entire 9/25 position in VWO for a loss on 10/16. Is that a wash sale?
by livesoft
Thu Oct 30, 2014 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: is this a wash sale?
Replies: 12
Views: 555

Re: is this a wash sale?

Case 1: No. Since TR funds contain bond funds and foreign stock funds, they are not substantially identical to a US stock fund.

Case 2: No. FSIIX does not contain emerging markets equities while VGTSX does. They are not substantially identical.
by livesoft
Thu Oct 30, 2014 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: is this a wash sale?
Replies: 12
Views: 555

Re: A Little Common Core Math problem

Equations? Iterations? The answer just popped into my head.
by livesoft
Thu Oct 30, 2014 2:11 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2490

Re: Best approaches to accumulating in a down market

Clearly, rebalancing on 8% drops in the market is not market timing. Indeed, it might even be called "staying the course". Those folks who did not rebalance this month may have failed in staying the course. I am sure that the managers of the LifeStrategy and Target Retirement funds were do...
by livesoft
Thu Oct 30, 2014 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best approaches to accumulating in a down market
Replies: 23
Views: 1847

Re: That stress-relieving thing you do at work

I used to always exercise at work. It could be a bike ride at lunch or a full-court basketball game. When you foul the CEO, you find that he will play harder.
by livesoft
Thu Oct 30, 2014 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: That stress-relieving thing you do at work
Replies: 45
Views: 2619

Re: My college son's investment in Merril Lynch

What to invest in? What will the money be spent on? I would just let my kids decide what to invest in --- as long as it was a Vanguard Target Retirement or Life Strategy fund. :)
by livesoft
Thu Oct 30, 2014 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: My college son's investment in Merril Lynch
Replies: 17
Views: 1560

Re: Individual investors behaving badly

Thanks for the summary of the research. I can see some support for the RBD strategy discussed on the Bogleheads forum in your summary since it is basically the opposite of what was described for retail investors on average.
by livesoft
Thu Oct 30, 2014 8:55 am
 
Forum: Investing - Theory, News & General
Topic: Individual investors behaving badly
Replies: 18
Views: 2687

Re: Best approaches to accumulating in a down market

There is probably no best way because different ways work at different times. One thing though is that one has to make purchases when everyone else is saying things like "What down market?" or "Stay the course" or "OMG! Should I sell now?" For instance, did you make pur...
by livesoft
Wed Oct 29, 2014 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best approaches to accumulating in a down market
Replies: 23
Views: 1847

Re: How are you supposed to move a 401k

There are techniques. Basically, your 401(k) went to cash, so on that day you have to exchange from fixed income to equities in your other accounts. Got no other accounts? Hmmm.
by livesoft
Wed Oct 29, 2014 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: How are you supposed to move a 401k
Replies: 19
Views: 1131

Re: Fidelity Mutual Fund Strategy?

FTBFX is not an index fund. It does not have a low-expense ratio and is actively managed, so I would not recommend it. Instead use FBIDX or FSITX. As for the $2500 minimum, a way around that is to not start with all the funds at once. Instead, start with one fund, then add another, then another, etc.
by livesoft
Wed Oct 29, 2014 5:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Mutual Fund Strategy?
Replies: 11
Views: 938

Re: My college son's investment in Merril Lynch

….How does the $17000 get calculated? Can you show me the math? Vanguard website only offers the chart starting from 2004. Is there some number I can use on Vanguard? I would like to compare all the funds the boys have with Vanguard funds. Go to morningstar.com. Get quote for VBIAX. Click on "...
by livesoft
Wed Oct 29, 2014 5:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: My college son's investment in Merril Lynch
Replies: 17
Views: 1560

Re: Intermediate Bond ETF's

I own VCSH and have owned BIV. I also own VSCSX and FSITX and FBIDX and VFIJX. I recommend them all.
by livesoft
Wed Oct 29, 2014 5:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate Bond ETF's
Replies: 9
Views: 789
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