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Re: Car for teenager

I guess it depends on your geography. Teens around here rarely drive on the freeway. I have many friends who do not let their teenagers drive on the freeways and a parent drives instead. They say it is too dangerous. I always felt it would be pretty bad if my children were away at college or a new ...
by livesoft
Tue Apr 21, 2015 6:23 am
 
Forum: Personal Consumer Issues
Topic: Car for teenager
Replies: 39
Views: 1578

Re: Tax loss Harvesting Question

Thanks for the screen capture. I was able to duplicate that view. Perhaps it also will help the OP.
by livesoft
Tue Apr 21, 2015 5:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss Harvesting Question
Replies: 13
Views: 1160

Re: leaving personal capital

tmitchell wrote:interesting. do you think TDAmeritrade is better than Vanguard?

For some things, Yes. For other things, No.
by livesoft
Tue Apr 21, 2015 5:49 am
 
Forum: Investing - Help with Personal Investments
Topic: leaving personal capital
Replies: 7
Views: 647

Re: leaving personal capital

I would probably just move in-kind and sell at Vanguard. How much does PC charge to sell something? If you move in-kind AND have not sold anything in 2015, then you will not have a 1099B for 2015 from PC. That can be beneficial next year at tax time since without assets at PC it may be harder to get...
by livesoft
Mon Apr 20, 2015 10:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: leaving personal capital
Replies: 7
Views: 647

Re: Betterment/Schwab (SIP): Which ETFs to avoid for wash sa

One can own all the ETFs as long as one is not buying them plus-or-minus 30 days around the time that a robo-advisor sells them in a taxable account at a loss. Thus, one does not have to sell existing positions in any ETFs. And one can always sell them to tax-loss harvest, too, since the wash-sale i...
by livesoft
Mon Apr 20, 2015 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: Betterment/Schwab (SIP): Which ETFs to avoid for wash sale?
Replies: 1
Views: 146

Re: Investing in a fund every month

Definitely save the $1,000 in a checking or savings account first. Perhaps call it an emergency fund. Perhaps you already have a $1,000 in an emergency fund. Maybe play poker and save your winnings to get there faster. Then you can open a mutual fund account at Vanguard and buy a target retirement f...
by livesoft
Mon Apr 20, 2015 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in a fund every month
Replies: 25
Views: 2134

Re: Which brokers do hassle-free Roth cnvrsn recharacterizat

Progress being made: Apr-04 - Opened account online at Vanguard Apr-06 - Got Medallion Signature Guarantee at WellsFargo and mailed forms. Apr-17 - Vanguard says "transfer completed" Apr-20 - WellsTrade shows "Transfer" and shares subtracted; Vanguard shows shares ready to sell. ...
by livesoft
Mon Apr 20, 2015 8:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which brokers do hassle-free Roth cnvrsn recharacterizations
Replies: 25
Views: 1664

Re: Tax loss Harvesting Question

jjface wrote:I think you are in the old layout and we are in the new one.
it gets confusing as they haven't transitioned all the way to the new layout.

Perhaps, but I tried "Preview" and "Classic" looking for the things you described and could not see them.
by livesoft
Mon Apr 20, 2015 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss Harvesting Question
Replies: 13
Views: 1160

Re: Neighbor is hoarder, piling garbage outside, collecting

Those were cats, but in order to improve the image of the PD, they had to say they were rats. As for the OP, I'm surprised several neighbors have not already called the local government about this. If they local government hasn't dealt with it, then vote them out of office, run for office yourself, ...
by livesoft
Mon Apr 20, 2015 5:49 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor is hoarder, piling garbage outside, collecting vans
Replies: 21
Views: 2178

Re: Can I open a Vanguard Brokerage account with my...?

I think jsoltani wants to combine his employer plan IRA with his personal IRA so that he can qualify Admiral shares sooner in one big account rather than investor shares in two smaller accounts. I think the answer is: No, you cannot combine an employer-sponsored account with a personal account.
by livesoft
Mon Apr 20, 2015 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I open a Vanguard Brokerage account with my...?
Replies: 16
Views: 761

Re: Can I open a Vanguard Brokerage account with my...?

The answer is yes, but I am not sure about your question. Just because you open an account does not mean that you can contribute to that account of fund that account. You can move money between your IRA accounts under normal circumstances. I cannot what your circumstances are though and whether they...
by livesoft
Mon Apr 20, 2015 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I open a Vanguard Brokerage account with my...?
Replies: 16
Views: 761

Re: Can SiriusXM Radio damage my credit rating?

This thread should be locked. I will help by saying some folks need to [(removed) --admin LadyGeek] honor contracts that they have entered into. They should also cancel the contracts in a timely manner, so that the other party to the contract doesn't have to read their mind and guess what they are u...
by livesoft
Mon Apr 20, 2015 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Can SiriusXM Radio damage my credit rating?
Replies: 15
Views: 857

Re: 3 Fund Taxable Portfolio - Vanguard or Fidelity

I wouldn't choose either of them. I would use Vanguard funds and/or ETFs instead.
by livesoft
Mon Apr 20, 2015 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Taxable Portfolio - Vanguard or Fidelity
Replies: 28
Views: 1860

Re: Total Cost of Buying a New Home vs 30 or 80-Year Old Hom

I don't think older homes are built better. It is survivorship bias. It's just that the older homes still standing have had renovations all along. Not much mention of landscaping costs and window treatments for the new home. I would vote for the newer home myself. It is such a headache to find trade...
by livesoft
Mon Apr 20, 2015 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Total Cost of Buying a New Home vs 30 or 80-Year Old Homes?
Replies: 13
Views: 879

Re: Buying a Car to commute - SUV or Sedan?

A used Lexus RX-350 (it's a comfortable SUV) would get 20 mpg under such driving conditions and cost less than $30K out-the-door taxes included.
by livesoft
Mon Apr 20, 2015 2:46 pm
 
Forum: Personal Consumer Issues
Topic: Buying a Car to commute - SUV or Sedan?
Replies: 19
Views: 995

Re: Tips on becoming an IT Security Consultant

Don't tweet that you can stop the engines on the airplane you have boarded and deploy the oxygen masks.
by livesoft
Mon Apr 20, 2015 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tips on becoming an IT Security Consultant
Replies: 6
Views: 532

Re: 3 Fund Taxable Portfolio - Vanguard or Fidelity

How about FFNOX?

There are quite a number of Fidelity Freedom Index funds.
by livesoft
Mon Apr 20, 2015 2:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Taxable Portfolio - Vanguard or Fidelity
Replies: 28
Views: 1860

Re: To ETF or Not to ETF? That is the question.

Awww, Rick, your article is going to make me have to think. If folks are like me, then they don't want to have to think. It's much better to go to a robo-advisor where I don't have to think.
by livesoft
Mon Apr 20, 2015 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: To ETF or Not to ETF? That is the question.
Replies: 1
Views: 321

Re: Has anyone changed their asset allocation

There was a poll on this subject. Here you go:
viewtopic.php?f=1&t=112412

I don't see how one can say the investment climate in bonds is tough. One is making money hand over fist in bonds right now. And in stocks, too.
by livesoft
Mon Apr 20, 2015 11:45 am
 
Forum: Investing - Theory, News & General
Topic: Has anyone changed their asset allocation
Replies: 46
Views: 2364

Re: 3 Fund Taxable Portfolio - Vanguard or Fidelity

Thanks for the awesome replys. Seems split down the middle in terms of setting up a 3 fund Porfolio with either Vanguard or Fidelity. Does Fidelity offer an all in one fund like the Target Date or Life Strategy that incorporates the below index funds in case I dont want to mess with buying each ind...
by livesoft
Mon Apr 20, 2015 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Taxable Portfolio - Vanguard or Fidelity
Replies: 28
Views: 1860

Re: Why doesn't foreign tax paid match the figures on this s

They match within a penny for me. Which "statements" are you writing about? The "income dividend" does not show up on a 1099DIV, but is the net-after-taxes-taken-out divdend that you should have received for the ENTIRE year. If you owned the shares only part of the year (and did ...
by livesoft
Mon Apr 20, 2015 9:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Why doesn't foreign tax paid match the figures on this site?
Replies: 1
Views: 152

Re: Questions for Financial Adviser

OK, I'm back with some info for your question #4: Google the search phrase "questions to ask a financial advisor +2015" without quotes. See also: http://www.pbs.org/newshour/making-sense/how-to-find-a-financial-adviso/ http://www.pbs.org/newshour/making-sense/are-you-getting-ripped-off-by/
by livesoft
Mon Apr 20, 2015 8:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Questions for Financial Adviser
Replies: 18
Views: 822

Re: Questions for Financial Adviser

I suspect the answer will be:

1. I'll get back to you on that.
2. I'll get back to you on that.
3. I'll get back to you on that.
4. I'll get back to you on that.
by livesoft
Mon Apr 20, 2015 8:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Questions for Financial Adviser
Replies: 18
Views: 822

Re: Quick technical question about Vanguard website

Also Vanguard is well-known that they only update one's accounts every so often. For instance, my account is still not updated with Friday's closing numbers. I have found that it usually happens early Monday morning. It is as if Vanguard doesn't turn on its computers over the weekend or holidays.
by livesoft
Sun Apr 19, 2015 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Vanguard Prime assets available in new brokerage account?]
Replies: 12
Views: 715

Re: Sad calculation (max IRA contributions)

These people did have the opportunity to invest in taxable accounts, but that's not my point, and I realize that I didn't get my point across clearly. My "sad" feeling is comparative. Employees with access to employer plans can invest outside their retirement accounts the same as those wi...
by livesoft
Sun Apr 19, 2015 10:07 pm
 
Forum: Investing - Theory, News & General
Topic: Sad calculation (max IRA contributions)
Replies: 18
Views: 1094

Re: Sad calculation (max IRA contributions)

Yes, it is sad that such folks didn't think to save in a taxable account with unlimited contribution limits.
by livesoft
Sun Apr 19, 2015 9:54 pm
 
Forum: Investing - Theory, News & General
Topic: Sad calculation (max IRA contributions)
Replies: 18
Views: 1094

Re: Quick technical question about Vanguard website

Yes, it is called an "exchange" or perhaps a "contribution".

It is not clear to me if you are mixing account types, too. You know: Roth, traditional, taxable, joint, whatever.
by livesoft
Sun Apr 19, 2015 9:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Vanguard Prime assets available in new brokerage account?]
Replies: 12
Views: 715

Re: ROTH 5 year rule

Could someone explain how this works when filing one's taxes. Specifically, how do you prove the Roth has been open for five years? Do you have to supply some proof, or does the IRS take one's word? The IRS knows because the Roth custodian sends them a Form 5498 each year one makes a contribution. ...
by livesoft
Sun Apr 19, 2015 8:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: ROTH 5 year rule
Replies: 21
Views: 2447

Re: Quick technical question about Vanguard website

Don't know, but markets are not open today, so any order placed now would not be executed. Many folks would suggest submitting orders only during times when the market is open. Some even suggest not submitting orders in the first 30 minutes and last 30 minutes of the trading day. Note: I am not &quo...
by livesoft
Sun Apr 19, 2015 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Vanguard Prime assets available in new brokerage account?]
Replies: 12
Views: 715

Re: Car for teen ager

Livesoft - I always let my kids drive when it's just me and them in the car. I also try not to give too many driving tips, but limit what I say to a few good suggestions. I wrote about something along those lines in this previous post 5 years ago: http://www.bogleheads.org/forum/viewtopic.php?p=117...
by livesoft
Sun Apr 19, 2015 8:25 pm
 
Forum: Personal Consumer Issues
Topic: Car for teenager
Replies: 39
Views: 1578

Re: Poll: Effective average Adjusted Livesoft tax rate?

In the future when I need $25,000 to pay expenses. I can sell $25,000 worth of shares that I paid $10,000. The realized long-term cap gains will be offset by my carryover losses, so that the $25,000 that I cash in will not be counted towards my taxable income. That means that my total income stays i...
by livesoft
Sun Apr 19, 2015 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Effective average Adjusted Livesoft tax rate?
Replies: 62
Views: 3955

Re: Car for teen ager

I would suggest that a parent let their kids get lots of practice driving. If I was ever in a car with my teenage driver, then I insisted they drive. I would not drive them around; they would drive me around instead. I learned that my kids are excellent drivers with impressive reaction times. My dau...
by livesoft
Sun Apr 19, 2015 8:04 pm
 
Forum: Personal Consumer Issues
Topic: Car for teenager
Replies: 39
Views: 1578

Re: Fidelity Freedom® 2045 Fund FFFGX VS FIOFX ?

Another possibility could be to use the FFNOX fund of index funds. I think the e.r. is 0.22%.
by livesoft
Sun Apr 19, 2015 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Freedom® 2045 Fund FFFGX VS FIOFX ?
Replies: 9
Views: 400

Re: Poll: Effective average Adjusted Livesoft tax rate?

GoldenFinch wrote:Just a question. If you have A LOT of carry over losses from previous years, do you even bother tax loss harvesting?


Definitely yes. It helps avoid loss aversion and in the future will help keep me in the 0% LTCG tax bracket longer. Why pay 15% tax when I can pay 0% tax?
by livesoft
Sun Apr 19, 2015 7:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Effective average Adjusted Livesoft tax rate?
Replies: 62
Views: 3955

Re: Car for teen ager

I lent (not gave) my 22-year-old a 13-year-old car when she graduated from college. I expect to get this car back and lend it to my other child when he graduates from college and gets a job. My daughter used the same car her junior/senior years of high school for which there was no bus service and n...
by livesoft
Sun Apr 19, 2015 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Car for teenager
Replies: 39
Views: 1578

Re: Single best piece of personal finance advice ever receiv

Don't go to a bank for investment advice.
by livesoft
Sun Apr 19, 2015 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Single best piece of personal finance advice ever received?
Replies: 84
Views: 5576

Re: VTIAX or VTMGX and VEMAX

Too many numbers for me to try to read and understand, sorry. I wanted to make the comment that any numbers reported by M* for "tax-cost" are suspect until proven otherwise. I would not use them myself. Also these funds have been reconstituted a few times over the years, so past performanc...
by livesoft
Sun Apr 19, 2015 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: VTIAX or VTMGX and VEMAX
Replies: 30
Views: 2515

Re: Poll: Effective average Adjusted Livesoft tax rate?

^A quick response: I will really have to investigate before commenting much. I think we are in a "sweet spot" in that we are paying for college, do not wish to lose education credits, one of us is no longer working, we have large carryover losses, one of us is very motivated to reduce taxe...
by livesoft
Sun Apr 19, 2015 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Effective average Adjusted Livesoft tax rate?
Replies: 62
Views: 3955

Re: All-into Reit ETF in Roth IRA (SCHH)?

SCHH is a great idea for a Roth if it only goes up. But one should not want to lose money in a Roth since one cannot "top it up" nor tax-loss harvest with it either.

So don't own SCHH in your Roth when it goes down, but fill 'er up when it is about to go up.
by livesoft
Sun Apr 19, 2015 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: All-into Reit ETF in Roth IRA (SCHH)?
Replies: 17
Views: 709

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: 1305

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: 62
Views: 3955

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: 30
Views: 2515

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: 30
Views: 2515

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: 21
Views: 2447

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: 13
Views: 1160

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: 617

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: 1152

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: 1152
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