Search found 477 matches

by chabil
Sat Apr 21, 2018 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: How much does tinkering hurt returns?
Replies: 16
Views: 1348

Re: How much does tinkering hurt returns?

In the same tinkering way, how does TLH and moving funds to TLH partner fund and back affect returns? If I move 50k from VTSAX to SP500 index fund, and then back again, what will I be losing? Or Gaining?
by chabil
Thu Apr 19, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 158
Views: 16159

Re: anyone else not liking the new cars?

We are looking to replace one of our 2 Lexus which my husband is ready to give up. I love my 2005 Lexus which also has 195k miles. We test drove a Subaru Legend today as CR raves about it. Did not like the ride, I want cushy. We will test drive a Lexus now I don’t mind the Lexus grill, it is the int...
by chabil
Thu Apr 19, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 32
Views: 2684

Re: Do you use Yahoo? New Privacy Terms

anoop, thank you. I am going to wait and see what happens after the dead line, and not click on the link or accept anything. I have been suspicious of yahoo for some time now because the address bar was not always secure. I also notice I use yahoo mail for mundane things. Only financial stuff I do i...
by chabil
Thu Apr 19, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 32
Views: 2684

Re: Do you use Yahoo? New Privacy Terms

Pretty easy for me to switch email providers. I use an alias which is forwarded to what my current email provider is. Originally, it pointed to my university email address, then to hotmail, then to yahoo, and now to gmail. Any time I switch providers, I lose the ability to take my archive, but othe...
by chabil
Wed Apr 18, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 32
Views: 2684

Re: Do you use Yahoo? New Privacy Terms

Woodshark wrote:
Wed Apr 18, 2018 6:03 pm
I've gotten the the alert also. Seems the new company wants carte blanch to use information in our email,etc., and an agreement not to sue them.
Including email from Financial institutions. Who needs to know where I bank and hold my assets?
by chabil
Wed Apr 18, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 32
Views: 2684

Do you use Yahoo? New Privacy Terms

I don't know if all this is inevitable but they don't want pieces of us anymore. They want ALL of us. https://www.theverge.com/2018/4/14/17237864/oath-aol-yahoo-email-privacy-terms-scan-ads Another link: https://www.cnet.com/news/yahoo-aol-oath-privacy-policy-verizon-emails-messages/ I have not clic...
by chabil
Tue Apr 17, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 4164

Re: car at 80

I have a Lexus ES 300 10 years and 90k miles. We live be in the Boston area and it is fine. But we also don't drive very much in bad weather. Glad you posted. We are also 80 and 67. He is finally willing to trade his for a new car and we plan to get another Lexus, a new ES 350. I am also doing it fo...
by chabil
Fri Apr 13, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Is Today a good day for TLH?
Replies: 15
Views: 1112

Re: Is Today a good day for TLH?

I had losses but not worth the trouble. I feel an opportunity soon.
by chabil
Fri Apr 13, 2018 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Is Today a good day for TLH?
Replies: 15
Views: 1112

Re: Is Today a good day for TLH?

I’m a bit torn about TLH,after all the L is for Loss I think what is often ignored is you restabish your basis in some other investment. And potentially fees to get out iof the loser and into the next investment I’m not suggesting to avoid sell at a loss or to hold forever just that the loss isnt t...
by chabil
Fri Apr 13, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Is Today a good day for TLH?
Replies: 15
Views: 1112

Re: Is Today a good day for TLH?

RCL wrote:
Fri Apr 13, 2018 1:39 pm
I assume you mean today's, before market close price?
yes
by chabil
Fri Apr 13, 2018 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Is Today a good day for TLH?
Replies: 15
Views: 1112

Re: Is Today a good day for TLH?

livesoft wrote:
Fri Apr 13, 2018 12:51 pm
Today would not be a good day to TLH for @chabil. They have almost no losses.
Thank you, Livesoft.
Is it possible to correlate VTI EFT price movements to what will happen with VTSAX price?
by chabil
Fri Apr 13, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Is Today a good day for TLH?
Replies: 15
Views: 1112

Re: Is Today a good day for TLH?

Without more information from you, I cannot tell if today is a good day to TLH for you or not. It is not a good day for me. 1. When was the last time you bought any shares of VTSAX? VTI? VTSMX? VTSAX 3/26. I exchanged the entire holding of VTSAX in an IRA account for VLCAX on the same date. There i...
by chabil
Fri Apr 13, 2018 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Is Today a good day for TLH?
Replies: 15
Views: 1112

Is Today a good day for TLH?

Finally I am prepared mentally to do some harvesting in VTSAX - VG Total Stock market. Does today look like a good day? I am watching how VTI ETF is doing so I can make a decision this afternoon.
by chabil
Wed Apr 11, 2018 2:25 pm
Forum: Investing - Theory, News & General
Topic: Year End Planning
Replies: 9
Views: 674

Re: Year End Planning

Vanguard.com estimates the fraction of qualified dividends (and thus non-qualified dividends) on its web site in Nov-Dec. I also look at previous year. I have sold shares before the ex-dividend date to avoid them. Livesoft, don't you then have cap. gains? and how do you get back on the market?
by chabil
Sat Apr 07, 2018 11:57 am
Forum: Investing - Theory, News & General
Topic: Portfolio Watch
Replies: 7
Views: 674

Re: Portfolio Watch

I am surprised at this! It divides my holdings into those sub classes and then I can drill down to assets and dollar value and it will sort all my holding into those classes and also show them in comparison to market index - up or down. IIRC Vanguard treats it's own funds differently from non Vangu...
by chabil
Fri Apr 06, 2018 2:17 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Watch
Replies: 7
Views: 674

Re: Portfolio Watch

Some of the flaws of Portfolio Watch are described in this thread: https://www.bogleheads.org/forum/viewtopic.php?t=150267 I don't know what you really want to get out of it, so I don't know what you are missing. For instance, if you want to know how your international funds are divided up among la...
by chabil
Fri Apr 06, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Watch
Replies: 7
Views: 674

Re: Portfolio Watch

Morningstar might be more accurate, but it is probably fine if you are using all vanguard funds. From the wiki on portfolio watch: . Vanguard Portfolio Watch does not break down most funds into subclasses properly as it treats most funds as being entirely in their primary stock category rather than...
by chabil
Fri Apr 06, 2018 1:06 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Watch
Replies: 7
Views: 674

Portfolio Watch

I use the Vanguard portfolio watch tool regularly and it works great ever since we migrated all our accounts to Vanguard. I have one Bond Index Fund from another company and I have manually entered it and the tool includes it in the analysis. I also use it to re-balance which I seem to need to do le...
by chabil
Thu Apr 05, 2018 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Selling individual stocks when they're down?
Replies: 10
Views: 884

Re: Selling individual stocks when they're down?

We are in similar position and I just sold a large portion of shares. It is a disturbing feeling because I immediately regretted it, worried about the cap gain (also very low cost basis.) Over the past few days I have been looking for opportunities to TLH to set off the gain although we have enough ...
by chabil
Wed Apr 04, 2018 11:52 am
Forum: Investing - Theory, News & General
Topic: Comprehensive list of tax loss harvesting partners
Replies: 64
Views: 5661

Re: Comprehensive list of tax loss harvesting partners

Yes VTIAX - Use Vanguard FTSE All-World ex-US Index Fund VTSAX - Use Large cap index or (S&P 500 and Extended market index) I'll let others chime in on the last 3 I have used the above as TLH partners before. When I recently compares S&P500 and Extended with VTSAX, I am a bit confused. Extended is ...
by chabil
Mon Apr 02, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: Individually and Jointly held stocks and funds
Replies: 7
Views: 627

Re: Individually and Jointly held stocks and funds

What you need to fill out is this Agent Authorization form https://advisors.vanguard.com/iwe/pdf/AGENT.pdf There are two types of agents and the form describes what each type can do. And yes you can assign multiple agents. Maybe your daughter can be a limited agent. We already have granted mutual a...
by chabil
Mon Apr 02, 2018 8:55 am
Forum: Investing - Theory, News & General
Topic: Individually and Jointly held stocks and funds
Replies: 7
Views: 627

Re: Individually and Jointly held stocks and funds

What are the ramifications of holding assets one way or the other upon a spouse's death? ... What happens cost basis wise on the taxable assets - all VG funds, and some stocks, if H passes before me? If you the wife owns taxable accounts individually and your husband dies first, you get no basis ad...
by chabil
Wed Mar 28, 2018 10:46 pm
Forum: Investing - Theory, News & General
Topic: TLH With SpecID If Bought Within 30 Days Before Harvesting
Replies: 20
Views: 1594

Re: TLH With SpecID If Bought Within 30 Days Before Harvesting

@chabil, who is your broker? @chabil, "Another IRA account with VTSAX has no purchases at all in 6 months." What happened to the March 2018 dividend paid by VTSAX in this IRA? Livesoft, what broker? All our stuff is with Vanguard.. That IRA account VTSAX has all dividends diverted to money market a...
by chabil
Wed Mar 28, 2018 10:08 pm
Forum: Investing - Theory, News & General
Topic: TLH With SpecID If Bought Within 30 Days Before Harvesting
Replies: 20
Views: 1594

Re: TLH With SpecID If Bought Within 30 Days Before Harvesting

Purchases: 12/20/2017 1/10/2018 2/12/2018 2/26/2018 3/2/2018 3/12/2018 3/21/2018 3/26/18 There are prior purchases for years, none of them have loss. All recent purchases shown have losses (Total Stock Market). An IRA account with VTSAX that had some dividend re-investments in March was completely e...
by chabil
Tue Mar 27, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: TLH help
Replies: 18
Views: 1100

Re: TLH help

Earl Lemongrab wrote:
Tue Mar 27, 2018 7:39 pm
chabil wrote:
Tue Mar 27, 2018 4:56 pm
Bought shares VTSAX Friday
Sold shares VTSAX today.
Wash sale, correct?
Even if there were a loss, if the shares sold included the ones bought, then no wash. Where would the replacement shares be?
I am thinking of shares bought in the 30 days before.
by chabil
Tue Mar 27, 2018 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: TLH help
Replies: 18
Views: 1100

Re: TLH help

Just to be clear about using MM for TLH:
It does not prevent a wash sale.
If you need to transact back into the original fund after the 30 days, there is no loss/gain.
by chabil
Tue Mar 27, 2018 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: TLH help
Replies: 18
Views: 1100

Re: TLH help

Invest money, 1 market day later already made 2.4%. Yes, I sold Total Stock Market today. Together, Friday and today is a great example of why one would not want to go to cash if they had tax-loss harvested on Friday. Bought shares VTSAX Friday Sold shares VTSAX today. Wash sale, correct? Of course...
by chabil
Tue Mar 27, 2018 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: TLH help
Replies: 18
Views: 1100

Re: TLH help

livesoft wrote:
Mon Mar 26, 2018 2:32 pm
Invest money, 1 market day later already made 2.4%. Yes, I sold Total Stock Market today.

Together, Friday and today is a great example of why one would not want to go to cash if they had tax-loss harvested on Friday.
Bought shares VTSAX Friday
Sold shares VTSAX today.
Wash sale, correct?
by chabil
Mon Mar 26, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 96
Views: 6087

Re: I didn't tax-loss harvest this month, did you?

I had $1000 worth of tax lass in Total Stock which I could not harvest because I did not want a wash sale, I needed the real loss. I invest regularly into it so my purchases were recent. I am now setting up my all accounts to be able to do it in the next downturn. So you now know who to fault if the...
by chabil
Sun Mar 25, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale rule confusion
Replies: 24
Views: 3253

Re: Wash sale rule confusion

If I have a wash sale and add that to my replacement shares so my cost basis has been increased, who keeps record of that? Do those shares magically appear with higher cost basis? Or is this something I need to keep track of, keep the paper trail, until I finally sell these shares? I think I had a s...
by chabil
Sun Mar 25, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: How do you know when you need a trust?
Replies: 22
Views: 3113

Re: How do you know when you need a trust?

In my mind, the principal advantage of a trust (a "revocable living trust") is that it avoids the probate process when one passes away. In California (and I presume elsewhere too) the probate process is lengthy, quite expensive, and a listing of all your assets is put into the public record (provid...
by chabil
Sat Mar 24, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: How do you know when you need a trust?
Replies: 22
Views: 3113

Re: How do you know when you need a trust?

A transfer deed can work, but all it does is transfer the property to one or more beneficiaries. They then have to figure out what to do with the property. Every time you have a change you have to file a new deed. I don't know all the details, so I can't say if contingents are allowed or variable p...
by chabil
Fri Mar 23, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: TLH help
Replies: 18
Views: 1100

Re: TLH help

chabil wrote:
Fri Mar 23, 2018 6:59 pm
livesoft wrote:
Fri Mar 23, 2018 6:01 pm
I bought more shares of VTSAX today as well. :thumbsup
:beer
Do I need to wait 31 days before selling from this fund now? I mean to avoid wash sale?
by chabil
Fri Mar 23, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: TLH help
Replies: 18
Views: 1100

Re: TLH help

livesoft wrote:
Fri Mar 23, 2018 6:01 pm
I bought more shares of VTSAX today as well. :thumbsup
:beer
Do I need to wait 31 days before selling from this fund now?
by chabil
Fri Mar 23, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: TLH help
Replies: 18
Views: 1100

Re: TLH help

Thank you Livesoft and iceport. I appreciate the suggestions.
I decided to wait till Monday. And then I went and bought more shares in VTSAX.
Oh well.
by chabil
Fri Mar 23, 2018 11:13 am
Forum: Investing - Help with Personal Investments
Topic: TLH help
Replies: 18
Views: 1100

TLH help

I am trying to do a TLH in Total Stock Mkt Index. Currently I have 8 lots where there are losses ranging from $341 to 1.37 for a total of about $1000 I am worried these losses will vanish by Monday when Vanguard calculates the price and I will end with cap gains. How do I decide when to do it or not...
by chabil
Wed Mar 21, 2018 9:43 pm
Forum: Investing - Theory, News & General
Topic: Individually and Jointly held stocks and funds
Replies: 7
Views: 627

Re: Individually and Jointly held stocks and funds

What are the ramifications of holding assets one way or the other upon a spouse's death? ... What happens cost basis wise on the taxable assets - all VG funds, and some stocks, if H passes before me? If you the wife owns taxable accounts individually and your husband dies first, you get no basis ad...
by chabil
Wed Mar 21, 2018 5:47 pm
Forum: Investing - Theory, News & General
Topic: Individually and Jointly held stocks and funds
Replies: 7
Views: 627

Individually and Jointly held stocks and funds

What are the ramifications of holding assets one way or the other upon a spouse's death? In our case H owns all his IRA funds, naturally, as I do mine. Taxable assets are all held at vanguard on my Individual account the reason being that was the only way we could do a transfer on death option on it...
by chabil
Thu Mar 15, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider an emergency fund as part of your overall allocation?
Replies: 24
Views: 2052

Re: Do you consider an emergency fund as part of your overall allocation?

I have begun to consider the RMD from the IRA accounts, after tax, as our emergency fund which would be for like major repairs or a new car. Every thing else is invested in taxable account. So yeah, I consider part of the portfolio.
by chabil
Mon Mar 12, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37292

Re: What do you splurge on?

This reply has nothing to do with money (even on this board) I'm happy you like your Nike's. But Nike's aren't generally known as a quality product for the money. It could be exception for your foot, but I suggest you look around at an "expensive" store and see if you don't find something that isn'...
by chabil
Fri Mar 09, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Verizon- Why do they treat old customers worse?
Replies: 54
Views: 8587

Re: Verizon- Why do they treat old customers worse?

Bump! New complaint about Verizon. Our contract expired and our rate went up but I let it ride for a year simply due to inertia and the hassle. Finally called customer service (forgot about the retention) was directed to some outpost in the Philippines. They must purposely pick staff with badly acce...
by chabil
Wed Mar 07, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: Flight to Paris etc
Replies: 33
Views: 3247

Re: Flight to Paris etc

Good to hear poditive experience with Air France. We travel economy and some lines are better than others. Service, cleanliness, and ground service are important.
We will look into Air Bnb. Any particular areas we should look at. Close to stations and amenities
by chabil
Wed Mar 07, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Flight to Paris etc
Replies: 33
Views: 3247

Flight to Paris etc

We are planning to stop at Paris for a week as a prequel to another tour. (of Croatia.) One of our options is Air France and my feelings for this airline is not positive. I am also not crazy about British Airways. I am looking for reviews of airlines best for travel to europe. Do you know of any web...
by chabil
Sun Mar 04, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37292

Re: What do you splurge on?

shoes. i am always looking for comfortable shoes and realize good shoes are expensive. i just bought myself a pair of Nike sneakers . I had borrowed these from a friend last week when we spent a day walking in NYC and my feet got so sore and painful - the shoes I wore were not suitable for walking a...
by chabil
Sat Mar 03, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Walking shoes for plantar faciatis?
Replies: 61
Views: 4703

Re: Walking shoes for plantar faciatis?

Vivobarefoot is the only way to go. Plantar Fasciitis is a condition most likely caused by weak hip muscles (glute med, glute max) tight hip flexors/rec fem, and poor intrinsic foot strength . Do NOT get an orthotic. Orthotics are a money grab that turn off all the muscles in your feet and further ...
by chabil
Sat Mar 03, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Do I really need Turbotax premier?
Replies: 48
Views: 10974

Re: TurboTax Deluxe or Premier

Ecorp wrote:
Sat Mar 03, 2018 11:52 am
Hello,

I did not sell any stock this year. I dont own rental property. I do have dividend payouts from a couple accounts. Do I still need to use Premier or can I downgrade to Deluxe?

Thanks
We have all that, except rental property, and always use Deluxe. You will be fine.
by chabil
Sat Mar 03, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Sell individual stocks to buy index funds?
Replies: 45
Views: 3423

Re: Sell individual stocks to buy index funds?

"Reinvesting the dividends just compounds the problem. You now have to keep up with the reinvested dividends for cost basis tracking" Wait, what? Are you saying that IF one reinvests dividends in individual stocks in their taxable accounts that EACH TIME there's a dividend investment THAT AMOUNT an...
by chabil
Sat Mar 03, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Sell individual stocks to buy index funds?
Replies: 45
Views: 3423

Re: Sell individual stocks to buy index funds?

Plus the relatively high dividend yields of these stocks just create more taxes without extra benefit. We hold GE stocks and, hate to say this, I am thrilled about the price crash. I plan to get rid of some soon and pay the cap gain tax. Definitely do not reinvest dividends. But as for dividends, d...
by chabil
Sat Mar 03, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Comparison of On-Demand TV Provider features
Replies: 13
Views: 778

Re: Comparison of On-Demand TV Provider features

We are switching from Verizon to Comcast because our bill keeps going up and Comcast offered a 2-year deal. We are supposed to get a DVR service but we do not have a device to record so I am not sure how that is supposed to work. I use the On Demand extensively on Verizon and will probably do the sa...
by chabil
Thu Mar 01, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Getting Rid of Comcast Modem
Replies: 35
Views: 3343

Re: Getting Rid of Comcast Modem

BrewOx wrote:
Sun Feb 11, 2018 8:20 am
I ordered this modem with voice (CM500V-100N) from BestBuy for $129.99. I did not receive it yet but it is Comcast compatible.
Hi BrewOX, I am switching our service from Verizon to Comcast and that is the modem that is being recommended. How is it working and are you happy with your service?