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Re: a consensus? (Bonds in different accounts)

Fortunately (or unfortunately), we still have a 6-figure carryover loss that we can apply to realized capital gains in our taxable accounts. Plus we have enough assets in tax-advantaged accounts that we need hold BOTH equities and fixed income in tax-advantaged. If we combine those two previous fact...
by livesoft
Sun Apr 19, 2015 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: a consensus? (Bonds in different accounts)
Replies: 20
Views: 1142

Re: Poll: Effective average Adjusted Livesoft tax rate?

It is a tricky poll and really for entertainment purposes, so increased granularity might have ruined that. I wonder if anyone will take any actions from the poll. For instance, for those few folks on the top end of reported tax rates, will they implement some additional tax mitigation strategies? 2...
by livesoft
Sun Apr 19, 2015 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Effective average Adjusted Livesoft tax rate?
Replies: 54
Views: 3450

Re: VTIAX or VTMGX and VEMAX

iceport wrote:The OP prefers to avoid international small cap.

Yes, I was well aware of that when I posted my response. I see no reason to save 4 basis points for a reduced expected return. That is, the expected return from small-caps should overwhelm the 4 basis points.
by livesoft
Sun Apr 19, 2015 11:12 am
 
Forum: Investing - Theory, News & General
Topic: VTIAX or VTMGX and VEMAX
Replies: 13
Views: 1357

Re: VTIAX or VTMGX and VEMAX

The extra 4 basis points get you international small caps in both developed and emerging markets for about 10% of the fund value. Definitely worth it. As shown in my post above on tax costs, small caps are more tax efficient than the large caps probably simply from their lower dividends.
by livesoft
Sun Apr 19, 2015 8:30 am
 
Forum: Investing - Theory, News & General
Topic: VTIAX or VTMGX and VEMAX
Replies: 13
Views: 1357

Re: ROTH 5 year rule

The best 5-year rule(s) explanation is found here: https://www.kitces.com/blog/understanding-the-two-5-year-rules-for-roth-ira-contributions-and-conversions/ One does not have to report Roth IRA contributions on their tax return, so your March 2012 was not supposed to go on your tax return. So maybe...
by livesoft
Sun Apr 19, 2015 8:21 am
 
Forum: Investing - Help with Personal Investments
Topic: ROTH 5 year rule
Replies: 9
Views: 893

Re: Tax loss Harvesting Question

So which way do you guys believe is the best/easiest way to track tax loss harvest opportunities, and ho[w] to differentiate lots? Differentiating lots is trivial through the web interface of all my brokers, so that's not a problem at all. After that, it becomes noticing TLH opportunities. Here is ...
by livesoft
Sun Apr 19, 2015 7:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss Harvesting Question
Replies: 9
Views: 764

Re: Recommended Tax Planning Books?

Perhaps a book or two from Kaye Thomas would be useful. His web site is www.fairmark.com

I have also found the blogs of Michael Kitces very informative and worthwhile: www.kitces.com
by livesoft
Sun Apr 19, 2015 7:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Recommended Tax Planning Books?
Replies: 5
Views: 477

Re: Experience in working with TD Ameritrade

^No downside to this plan as long as
(a) You sign up for the no-commission ETFs before you make a trade, and
(b) You follow their rules.

Yes, many other brokers continually offer enticing transfer promotions. I usually just google for them.
by livesoft
Sun Apr 19, 2015 7:00 am
 
Forum: Investing - Theory, News & General
Topic: Experience in working with TD Ameritrade
Replies: 18
Views: 1030

Re: Experience in working with TD Ameritrade

Reasons for looking @ TD Ameritrade: … Those are all good reasons and some of them overlap with my reasons for using TDAmeritrade. I use several different financial institutions at the moment for various reasons since a single one does not meet all my needs. Despite the use of Fidelity, TDAmeritrad...
by livesoft
Sat Apr 18, 2015 10:13 pm
 
Forum: Investing - Theory, News & General
Topic: Experience in working with TD Ameritrade
Replies: 18
Views: 1030

Re: Experience in working with TD Ameritrade

Based on your comments so far, why in the world would you want to have any investments at TDAmeritrade? What are your requirements and criteria for selecting a financial institution to do business with? Perhaps just list all your criteria with a short reason why without regard to what the various ve...
by livesoft
Sat Apr 18, 2015 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: Experience in working with TD Ameritrade
Replies: 18
Views: 1030

Re: Retirement Budgeting

"… within a few years …"

You might as well start living / spending now as if you were in retirement. That's what I've been doing for a few years, so I don't expect the budget to change much anymore in the future.
by livesoft
Sat Apr 18, 2015 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Budgeting
Replies: 8
Views: 1079

Re: Experience in working with TD Ameritrade

You mean opening an account and becoming a client? Or do you mean getting a job with them?

I have been a client for more than 20 years. I have never found the need to use their educational nor research sections of their web site.
by livesoft
Sat Apr 18, 2015 4:31 pm
 
Forum: Investing - Theory, News & General
Topic: Experience in working with TD Ameritrade
Replies: 18
Views: 1030

Re: How to analyze portfolio recommendations

That NW plan is a piece of crap. How to analyze it? Tear it up into little pieces and flush it down the toilet. The analysis simply consists of watching the last torn piece disappear into the sewer system.
by livesoft
Sat Apr 18, 2015 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to analyze portfolio recommendations
Replies: 13
Views: 616

Re: Tax loss Harvesting Question

1. not necessary. you just need: 2. Select account and then positions 3. Click on the mutual fund you want to see 4. Click purchase history/lots under the big buy/sell green buttons. Funny, since my Fidelity account(s) online display does not have big buy/sell green buttons. If I click on the mutua...
by livesoft
Sat Apr 18, 2015 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss Harvesting Question
Replies: 9
Views: 764

Re: Poll: Effective average Adjusted Livesoft tax rate?

rkhusky wrote:
livesoft wrote:I didn't expect to see anybody with ALI > $160K to have <=5% rate, and that is true so far.


Looks like we exceeded your expectations at 4.2%.

Well played! Congratulations!
by livesoft
Sat Apr 18, 2015 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Effective average Adjusted Livesoft tax rate?
Replies: 54
Views: 3450

Re: What Is The Worst Car You Have Ever Owned?

We have owned only 6 cars in our married lives and still own 3 of them. The worst car is the 2006 Ford Freestyle.
On a positive note, it is so bad that our teenagers would ride their bikes or get rides from their friends rather than drive it.
by livesoft
Sat Apr 18, 2015 11:34 am
 
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 1600

Re: Tax loss Harvesting Question

Here are the column headings that I see: http://i62.tinypic.com/abr1bk.jpg Try this: 1. Be sure to "Exit Preview" or go to "Classic view" 2. On the far left, to the left of the ticker symbol may be a small box symbol with a + in it. What happens if you click on the [+]? Otherwise...
by livesoft
Sat Apr 18, 2015 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss Harvesting Question
Replies: 9
Views: 764

Re: VTIAX or VTMGX and VEMAX

Tax efficiency is something that is kind of quirky. I have calculated the tax costs for someone in the 25% marginal income tax bracket for a number of international funds. See https://www.bogleheads.org/forum/viewtopic.php?f=10&t=158519 Here is a line-up for 2014: Tax-cost Ticker 0.245% SCZ 0.25...
by livesoft
Sat Apr 18, 2015 11:03 am
 
Forum: Investing - Theory, News & General
Topic: VTIAX or VTMGX and VEMAX
Replies: 13
Views: 1357

Re: long term capital gain tax vs. roth conversions

Some of this is also discussed in the ZERO taxes in retirement thread with some old i-orp output, too: http://www.bogleheads.org/forum/viewtopic.php?t=87471 I found that neither taxcaster nor i-orp were accurate enough with taxes for my personal situation. I recommend stepping up to real tax softwar...
by livesoft
Sat Apr 18, 2015 10:49 am
 
Forum: Investing - Help with Personal Investments
Topic: long term capital gain tax vs. roth conversions
Replies: 39
Views: 1945

Re: Squeezing more money into a 401k via a loan?

It is not necessarily a big win unless the loan is invested in something that generates tax-free gains such as a 529 plan. We did this. Do not forget that the interest you pay would then come from after-tax money and it would taxed again when you withdrew from your 401(k). Also note that with 401(k)...
by livesoft
Sat Apr 18, 2015 8:58 am
 
Forum: Investing - Theory, News & General
Topic: Squeezing more money into a 401k via a loan?
Replies: 7
Views: 791

Re: Help! Transfer to Vanguard shows "margin" ...Freaking ou

--I read somewhere (perhaps here?) that if you have a margin account associated with your brokerage account, it allows the brokerage to "lend out" your securities? --although I've never used margin, I could have had some kind of automatic margin account with Morgan Stanley and never been ...
by livesoft
Sat Apr 18, 2015 8:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Transfer to Vanguard shows "margin" ...
Replies: 11
Views: 764

Re: Opticians

Lots of threads about online glasses, for instance, http://www.bogleheads.org/forum/viewtop ... 1&t=145294
Or just search the forum for zenni.

The business model for opticians has changed. Maybe a poll is now in order to see where folks really buy their glasses nowadays?
by livesoft
Sat Apr 18, 2015 8:13 am
 
Forum: Personal Consumer Issues
Topic: Opticians [Purchasing eyeglasses]
Replies: 13
Views: 1093

Re: Tax loss Harvesting Question

Your Fidelity account shows you all the tax lots (purchase dates and shares) if you click on the place where cost basis is shown and get details. Here is a post with such a screen shown for another financial institution: https://www.bogleheads.org/forum/viewtopic.php?p=2253588#p2253588 Try this at F...
by livesoft
Sat Apr 18, 2015 7:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss Harvesting Question
Replies: 9
Views: 764

Re: long term capital gain tax vs. roth conversions

I use TurboTax as well now that I have sold my S corp business with taxes beyond my ability. Do you know of any tax calculators that break down the specific taxes on each type of income instead of showing the total tax liability? For instance, the taxes on dividends, STCG, LTCG, IRA distributions, ...
by livesoft
Sat Apr 18, 2015 5:31 am
 
Forum: Investing - Help with Personal Investments
Topic: long term capital gain tax vs. roth conversions
Replies: 39
Views: 1945

Re: long term capital gain tax vs. roth conversions

I will have $35,000 in LTCG every year because I need the stock proceeds to live on. Given the current tax law should I sell more stock creating additional LTCG to maximize the LTCG taxed at 0% or continue on with the partial Roth conversions? It is my understanding that if the Roth conversions put...
by livesoft
Fri Apr 17, 2015 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: long term capital gain tax vs. roth conversions
Replies: 39
Views: 1945

Re: Asset Allocation and Portfolio advice

I am about your age and have a slightly different asset allocation of about 60% equities, 33% fixed income, and 7% commercial real estate. I see no reason for myself to increase the fixed income portion of my asset allocation. But an asset allocation is a personal thing. What feels right for me may ...
by livesoft
Fri Apr 17, 2015 8:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation and Portfolio advice
Replies: 6
Views: 730

Re: Car advice needed

Used or new? I'm thinking you should search for a used Subaru listed at $22K to $24K and buy it for $20K including sales tax.
by livesoft
Fri Apr 17, 2015 7:36 pm
 
Forum: Personal Consumer Issues
Topic: Car advice needed
Replies: 13
Views: 1451

Re: How to use Gift Wisely to Help Pay for Graduate School

If the family member gives you more than $14K in 2015 (the gift exclusion amount), they will have to fill out a gift tax return, but not have to pay taxes. If they pay the $40K directly to the educational institution, then I don't think there are any annual limits. If the family member, is really a ...
by livesoft
Fri Apr 17, 2015 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to use Gift Wisely to Help Pay for Graduate School
Replies: 10
Views: 632

Re: Poll: Effective average Adjusted Livesoft tax rate?

I will guess that the "ALI > $160K, effective tax rate >25%" vote is someone who is self-employed and pays the employer part of FICA/medicare and/or is single. Or maybe they did a Roth conversion. If they want to pm me any thoughts, I can relay them to this thread without their ID. The &q...
by livesoft
Fri Apr 17, 2015 5:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Effective average Adjusted Livesoft tax rate?
Replies: 54
Views: 3450

Re: Poll: Effective average Adjusted Livesoft tax rate?

ALI > $240K, ATR = 14.52% (so I answered > 10%). […] Federal income taxes are, in this case, only half the story. OK, I no longer live NY, so I don't have to pay all those taxes. I was one of the "ALI > $240K, > 5%" votes. To give you something to compare to: ALI > $240K ATR = 6.4% with F...
by livesoft
Fri Apr 17, 2015 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Effective average Adjusted Livesoft tax rate?
Replies: 54
Views: 3450

Re: UTMA and Coverdell

That is interesting. But if let says we have to use private school and she needs $5,000. That money is better coming from Coverdell rather than UTMA. I think it is better to use Coverdell if the intent is elementary education rather than UTMA. Return of capital will not be taxed, so that can help. ...
by livesoft
Fri Apr 17, 2015 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: UTMA and Coverdell
Replies: 16
Views: 753

Re: Do growth of 10k charts include fees? Found conflicting

Currently looking at TWHIX and TWBIX. . http://financials.morningstar.com/fund/expense.html?t=TWHIX&region=usa&culture=en_US All the fees for TWHIX are included in the 1.00% expense ratio, so the M* "growth of" chart takes into account those fees. I'm sorry, but with less than $25...
by livesoft
Fri Apr 17, 2015 9:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Do growth of 10k charts include fees? Found conflicting info
Replies: 12
Views: 811

Re: UTMA and Coverdell

If you want to use the money before college and you want gains tax-free, then the UTMA might be all one needs if it is invested tax-efficiently since she can get about $2,000 a year in gains tax-free under many circumstances. Are you thinking that the gains will be more than $2,000 a year? Otherwise...
by livesoft
Fri Apr 17, 2015 9:18 am
 
Forum: Investing - Help with Personal Investments
Topic: UTMA and Coverdell
Replies: 16
Views: 753

Re: Wells Fargo Customer Service

I guess it depends on which part of WellsFargo you are dealing with. I get superb service from my local WellsFargo and my self-directed WellsTrade brokerage accounts. I have heard that folks who started with Wachovia that was merged into WellsFargo have received very poor service. OTOH, I have a Fid...
by livesoft
Fri Apr 17, 2015 9:05 am
 
Forum: Personal Consumer Issues
Topic: Wells Fargo Customer Service
Replies: 8
Views: 682

Re: Do growth of 10k charts include fees? Found conflicting

Are you saying that Investopedia is wrong, or is there some subtlety of terminology here that is escaping me? It sounds like "expense ratio" and "management fee" are either the same thing or management fees is a subset of the expense ratio, and even if not, Investopedia's initia...
by livesoft
Fri Apr 17, 2015 8:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Do growth of 10k charts include fees? Found conflicting info
Replies: 12
Views: 811

Re: Wellington/Wellesley in early retirement?

W & W would still be tax inefficient and cause you to pay more taxes --possibly even at the 30% rate-- than more tax-efficient investments. Since the distributions are there on the Vanguard web site, why not model a portfolio of W & W and an index fund portfolio invested tax efficiently in o...
by livesoft
Fri Apr 17, 2015 8:53 am
 
Forum: Investing - Theory, News & General
Topic: Wellington/Wellesley in early retirement?
Replies: 7
Views: 1255

Re: cost to rebalance/reallocate?

It really depends on your 403(b). Do the investments in the 403(b) have
a. Front-end loads.
b. Back-end loads.
c. Contingent deferred sales charges.
d. Commissions to sell.
e. Commissions to buy.
f. Handholding fees.

There will be no tax consequences to exchange between investments within a 403(b).
by livesoft
Fri Apr 17, 2015 8:25 am
 
Forum: Investing - Help with Personal Investments
Topic: cost to rebalance/reallocate?
Replies: 4
Views: 444

Re: Do growth of 10k charts include fees? Found conflicting

There are many kinds of fees. The "growth-of" charts include the expense ratios in the growth of. Now you have to go look up all the different definitions of fees. :)
by livesoft
Fri Apr 17, 2015 8:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Do growth of 10k charts include fees? Found conflicting info
Replies: 12
Views: 811

Re: selective bias

Confuscious wrote:For example, is it common practice for a firm to provide 100k to 10 advisors and then promote the advisors with the best results?

Sounds like a university hiring 10 assistant professors and only one gets promoted to full professor.
by livesoft
Fri Apr 17, 2015 5:49 am
 
Forum: Investing - Theory, News & General
Topic: selective bias
Replies: 6
Views: 768

Re: Investing with Betterment

Buying a Vanguard fund requires an initial investment of $3,000 (aside from the STAR fund [and their Target Retirement funds], which is $1,000). Probably best to start with an emergency fund getting it up to $1000, then put it in a Target Retirement fund. Then when it gets a larger value evolve int...
by livesoft
Fri Apr 17, 2015 5:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing with Betterment
Replies: 10
Views: 905

Re: Best maximizing 401k - job change.

That sounds illegal. The limit is $18K for all 401(k)s combined in a year. Which one gives the best match? That's probably the one to contribute the most to. Whoops, no match! So which one has the best fund line-up with low-expense-ratio passively-managed index funds and best 401(k) web site?
by livesoft
Fri Apr 17, 2015 5:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Best maximizing 401k - job change.
Replies: 3
Views: 329

Re: Tips for Post-College Lifestyle

Sign up for Tinder if you haven't already.
by livesoft
Fri Apr 17, 2015 5:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Tips for Post-College Lifestyle
Replies: 53
Views: 2618

Re: UTMA and Coverdell

Since the child is contributing their own money to the Coverdell, they should be the owner. How does it work, then? Will I, as the parent, be able to use the money for her benefits, then? Or only she, as the owner, can use the money? You stated that you would give her the shares and that she would ...
by livesoft
Fri Apr 17, 2015 5:35 am
 
Forum: Investing - Help with Personal Investments
Topic: UTMA and Coverdell
Replies: 16
Views: 753

Re: UTMA and Coverdell

I would like to have a way to finance her education before she goes to college and save some taxes. Coverdell offers a way for her to have this money grow tax free. I think it would be much much better to use a 529 plan instead. Have you and her considered a 529 plan or two instead of a Coverdell I...
by livesoft
Fri Apr 17, 2015 5:32 am
 
Forum: Investing - Help with Personal Investments
Topic: UTMA and Coverdell
Replies: 16
Views: 753

Re: Parking money in a tax free muni bond fund?

Just another note: Tax-loss harvesting does not have anything to do with itemizing deductions. You may be surprised when I tell you that we did not itemize in 2013 nor will we itemize in 2015. That is, we will join you in just taking the standard deduction on our Form 1040.
by livesoft
Thu Apr 16, 2015 9:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Parking money in a tax free muni bond fund?
Replies: 14
Views: 1374

Re: Betterment has no export of transaction data

Send them an invoice for your consulting fee.
by livesoft
Thu Apr 16, 2015 9:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Betterment has no export of transaction data
Replies: 8
Views: 539

Re: Parking money in a tax free muni bond fund?

Bond funds are not tax efficient and better held in tax deferred or tax free accounts, what sense would it make to hold the STIG fund in a taxable account? It seems logical to hold a tax free fund (muni bond in this case) in a taxable account and also since that is where the cash is now (taxable). ...
by livesoft
Thu Apr 16, 2015 9:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Parking money in a tax free muni bond fund?
Replies: 14
Views: 1374

Re: Parking money in a tax free muni bond fund?

So why do you have that short-term bond fund VFSUX? Why not put all of it in tax-free muni fund your are considering? Or why not put all the Ally money in VFSUX? The STIG fund is in a roller over IRA and the Alley money is taxable. So? You could use STIG in a taxable if you wanted. By moving from A...
by livesoft
Thu Apr 16, 2015 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Parking money in a tax free muni bond fund?
Replies: 14
Views: 1374

Re: UTMA and Coverdell

If you gift shares to your children, then there is no reporting on your tax return as far as I know. If your child sells shares, then they should file a tax return. It seems you know the cost basis for the child is your cost basis. Since the child is contributing their own money to the Coverdell, th...
by livesoft
Thu Apr 16, 2015 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: UTMA and Coverdell
Replies: 16
Views: 753
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