Search found 58846 matches

by livesoft
Mon Feb 19, 2018 8:58 am
Forum: Investing - Help with Personal Investments
Topic: High ER funds with large cap gains - what to do ?
Replies: 5
Views: 287

Re: High ER funds with large cap gains - what to do ?

Formula discussed in the wiki: https://www.bogleheads.org/wiki/Paying_ ... itch_funds

If reinvesting distributions, stop that.

Consider donating shares to your Donor Advised Fund.
by livesoft
Mon Feb 19, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: What does it mean to be "in cash"?
Replies: 17
Views: 941

Re: What does it mean to be "in cash"?

If one has Treasury bills held at TreasuryDirect.gov, they are considered liquid cash, but the reality is that it may take a while to get cash from them into your pocket, right?
by livesoft
Mon Feb 19, 2018 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Scottrade migration to TDAM
Replies: 8
Views: 465

Re: Scottrade migration to TDAM

First, I never dealt with Scottrade, so don't know the answer to your first question. You should be comfortable enough to call up your local rep at the office you already deal with and ask them your questions. If not, then you should move to a place where you are comfortable asking questions. I woul...
by livesoft
Mon Feb 19, 2018 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Switching from TDAM to VG implications
Replies: 12
Views: 447

Re: Switching from TDAM to VG implications

You also mentioned doing the buy/sell at the same time after moving the SPDR ETFs. In that case, the sell at Vanguard would cost a commission. Finally, note that TDAm has an account closure fee for some clients. In a strange twist, the commission to sell the SPDR ETF at Vanguard is $7 while the com...
by livesoft
Mon Feb 19, 2018 7:32 am
Forum: Investing - Help with Personal Investments
Topic: New retiree really needs help with tax-deferred monies
Replies: 4
Views: 408

Re: New retiree really needs help with tax-deferred monies

carolinaman wrote:
Mon Feb 19, 2018 7:22 am
I think moving all of your investments into VSMGX is a good idea.
I agree with this, too.
by livesoft
Mon Feb 19, 2018 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversions to shrink RMDs
Replies: 15
Views: 879

Re: Roth conversions to shrink RMDs

Does she have money to pay the taxes on the conversion(s) from non-IRA sources?
by livesoft
Mon Feb 19, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: Seeing Yellowstone National Park
Replies: 12
Views: 1204

Re: Seeing Yellowstone National Park

* Avoid Old faithful lodge like the plague - overcrowded, over expensive and absolutely against what the park stands for Actually, Old Faithful Lodge is exactly what the park stood for at one time. It is an extremely important historical building with daily tours. All visitors should participate in...
by livesoft
Mon Feb 19, 2018 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Mechanics of rebalancing while in accumulation phase
Replies: 12
Views: 642

Re: Mechanics of rebalancing while in accumulation phase

Are there any aggregation services like PC or tools within Vanguard/Fidelity/Schwab when linking external accounts so you can view them within that brokerage which can set up notifications when your AA passes a threshold? Thanks! Yes, explained, shown, and discussed in this thread with screen captu...
by livesoft
Mon Feb 19, 2018 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Switching from TDAM to VG implications
Replies: 12
Views: 447

Re: Switching from TDAM to VG implications

Presumably, you don't have very much in these ETFs at TDAM right now, so no reason not to sell them and start with fresh ETFs at Vanguard. If I was doing this, I would sell at TDAM after the short-term commission time had passed (31 days?) and move the cash. That way, the 1099-B would come from TDAM...
by livesoft
Sun Feb 18, 2018 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Recent market downturn and TLH
Replies: 8
Views: 317

Re: Recent market downturn and TLH

Vanguard's REIT fund is at 25.03. Anything you bought since around February 2016 would have been eligible for TLH. Vanguard's Total Bond fund is at 10.49. Anything you bought since around October 2016 would have been eligible for TLH. But probably only if bought in a taxable account. TYpically REIT...
by livesoft
Sun Feb 18, 2018 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Question regarding tax rate in retirement
Replies: 11
Views: 963

Re: Question regarding tax rate in retirement

I suspect your tax rate will be zero. See this thread for starters: viewtopic.php?t=87471
A reason is that many families don't pay income taxes. Plus return of capital is not taxed.
by livesoft
Sun Feb 18, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Recent market downturn and TLH
Replies: 8
Views: 317

Re: Recent market downturn and TLH

See this thread: viewtopic.php?t=241113 It has 87 posts that help answer your question.
by livesoft
Sun Feb 18, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: Vancouver Vacation (Canada)
Replies: 17
Views: 1106

Re: Vancouver Vacation (Canada)

Ooops, kids all under 6? You can cover Vancouver in one day: Go to the Aquarium. Done.

There are also playgrounds in/near Stanley Park where the aquarium is located.
by livesoft
Sun Feb 18, 2018 6:50 pm
Forum: Forum Issues and Administration
Topic: Fewer Readers Despite Continued Market Volatility
Replies: 7
Views: 630

Re: Fewer Readers Despite Continued Market Volatility

Yes, bogleheads.org is a superb Market Timing Indicator. Also a superb Tax Loss Harvesting Indicator.
by livesoft
Sun Feb 18, 2018 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: I reduced my exposure to US stocks before the correction.
Replies: 36
Views: 3104

Re: I reduced my exposure to US stocks before the correction.

What question?

If the question is "Can bond funds be used to rebalance into equity funds?" then the answer is "Definitely, Yes!"
by livesoft
Sun Feb 18, 2018 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: I reduced my exposure to US stocks before the correction.
Replies: 36
Views: 3104

Re: I reduced my exposure to US stocks before the correction.

OK. In a less extreme example, if you were 60/40 always and stocks devalue for whatever reason, suddenly you might be 40/60 despite having made no manual reallocations. That is the time to reallocate to 60/40, correct? Effectively, youre treating the bond investment as cash but getting a better ROR...
by livesoft
Sun Feb 18, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 110
Views: 5395

Re: Do you wear a wedding band?

Yes, for most of 35 years. There were months when I didn't wear it due to broken bones, surgery, and ORIF.
by livesoft
Sun Feb 18, 2018 5:06 pm
Forum: Investing - Theory, News & General
Topic: Why investors shouldn’t panic over falling bond prices
Replies: 9
Views: 2097

Re: Why investors shouldn’t panic over falling bond prices

Doesn't this suggest that investors should get out of Total US Bond index funds, then buy back in after it drops another 2% whether that takes 1 month or 1 year? Doing that would not be panicking, but would be a rational decision to get off a dead horse. The one year return of Total US Bond Index fu...
by livesoft
Sun Feb 18, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review; Suggestions on how to create early retirement income
Replies: 2
Views: 425

Re: Portfolio review; Suggestions on how to create early retirement income

1. I don't think it matters what you do. You could have less equities and see how you feel about that. 2. You don't need an income stream per se since you have one. I would invest for total return tax efficiently. Indeed, newly purchased equity funds in taxable are going to have the highest possibil...
by livesoft
Sun Feb 18, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Don't market time...i know, i know.
Replies: 34
Views: 4486

Re: Don't market time...i know, i know.

I don't think it matters much what you do now that you have sort of described your financial situation.
by livesoft
Sun Feb 18, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: I reduced my exposure to US stocks before the correction.
Replies: 36
Views: 3104

Re: I reduced my exposure to US stocks before the correction.

I also reduced my exposure to stocks before the correction in a normal act of rebalancing. Then I increased my exposure to stocks at near the bottom of the correction in another act of rebalancing. Thank goodness because bond funds lost a ton of money during those 10 days. My point is that one can m...
by livesoft
Sun Feb 18, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Seeing Yellowstone National Park
Replies: 12
Views: 1204

Re: Seeing Yellowstone National Park

In/out Jackson Hole was cheap for us. We went in September. Saw Grand Tetons and Yellowstone. Stayed in Jackson Hole, Colter Bay Village, and ranger housing in middle of Yellowstone. 10 days was about right, but we did quite a lot of hiking besides all the usual tourist attractions. There are severa...
by livesoft
Sun Feb 18, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: How to pay ZERO taxes in retirement with 6-figure expenses
Replies: 201
Views: 102762

Re: How to pay ZERO taxes in retirement with 6-figure expenses

I agree that if one changes the scenario, then things change. This thread started at the end of 2011. In the 6 years since, the stock market has done quite nicely with VTSAX more than doubling in value. Tax rates in theory have decreased, too. My recent updates to this thread showed that my spouse w...
by livesoft
Sun Feb 18, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: How to figure out total amount withdrawn from Vanguard into checking?
Replies: 2
Views: 313

Re: How to figure out total amount withdrawn from Vanguard into checking?

I can see all transactions (deposits) in my checking account with "VGI" in the text associated with the deposit, so that's what you can search on.
by livesoft
Sun Feb 18, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Short treasuries or short term bond index fund?
Replies: 13
Views: 820

Re: Short treasuries or short term bond index fund?

An option often overlooked: Invest in 2-year (or shorter, if you prefer) treasury notes or bills at no cost through Treasury Direct. Well, there is a cost in your time and aggravation to set that up, transfer assets, etc. Plus if there is a 10% drop in one week in my equities, I would want the mone...
by livesoft
Sun Feb 18, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Switching Total Domestic/Large Cap to Small/Mid Cap in Tax-Advantaged Accounts for TLH
Replies: 23
Views: 1041

Re: Switching Total Domestic/Large Cap to Small/Mid Cap in Tax-Advantaged Accounts for TLH

rhodnius wrote:
Sun Feb 18, 2018 3:57 am
... and they did not mention that VITPX could affect TLH VTSAX.
How would we even know that? You didn't tell us what VITPX was (see my first post in this thread).
by livesoft
Sun Feb 18, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Short treasuries or short term bond index fund?
Replies: 13
Views: 820

Re: Short treasuries or short term bond index fund?

edgeagg wrote:
Sun Feb 18, 2018 10:03 am
So, if I had bought more into a bond fund this month, I would be looking at a short term loss of capital, would I not? Also, thanks a lot for the answers here.
Yes, you would have had a loss.

One can plot the total return of almost any fund to see what the gain/loss would be over any time range.
by livesoft
Sun Feb 18, 2018 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Short treasuries or short term bond index fund?
Replies: 13
Views: 820

Re: Short treasuries or short term bond index fund?

Check out the plot of prices of BIL (1-3 month Treasury bill ETF) and SHY (1-3 year Treasury bond ETF) https://i.imgur.com/usfqNQH.png The sawtooth of BIL is just the monthly dividend accrual showing up in the price. I don't own either of these ETFs, but I might in the future. How does an investor k...
by livesoft
Sun Feb 18, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 549
Views: 57531

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

@ftobin, thanks, I would have said it a different way but meant the same thing, so your wording is much better than I would have done. Thanks.
by livesoft
Sun Feb 18, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Vancouver Vacation (Canada)
Replies: 17
Views: 1106

Re: Vancouver Vacation (Canada)

I was in Vancouver last summer. We did a couple of museums, the Aquarium, rented bikes for tooling around Vancouver, ate our normal contingent of meals, and then rented other bikes and rode to Swartz Bay then to Victoria and then back through Nanaimo across to West Vancouver, over the bridge and dow...
by livesoft
Sat Feb 17, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Form 8606 on H and R block
Replies: 7
Views: 371

Re: Form 8606 on H and R block

My HRBlock tax prep software doesn't ask the questions in the same way that you have posted them. I'm sure you can do it all electronically, but I also think you will not understand as much by doing so. Also "1 day" is "within 60 days" isn't it? And 0 days is within 60 days, too. BTW, you do not get...
by livesoft
Sat Feb 17, 2018 8:10 pm
Forum: Investing - Theory, News & General
Topic: Target Retirement Fund Question
Replies: 20
Views: 1449

Re: Target Retirement Fund Question

Although you intend to leave it until about 2060, I suspect that won't be true, so you have nothing to worry about.
by livesoft
Sat Feb 17, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Form 8606 on H and R block
Replies: 7
Views: 371

Re: Form 8606 on H and R block

Hmmm, if you print out Form 8606 and read the instructions, are you able to fill it out by hand without tax software? That may be very helpful.
by livesoft
Sat Feb 17, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Are we stuck paying the tax/penalty/interest on this 529 withdrawal?
Replies: 23
Views: 1947

Re: Help! Are we stuck paying the tax/penalty/interest on this 529 withdrawal?

No, I'm saying that the $13,000 you thought was paid from QTP (529) for Spring 2016 was not legitimately paid from a QTP. I think you can consider the $13,000 simply paid from your checking account which may allow you to get an education tax credit instead for 2016. If you didn't get an education ta...
by livesoft
Sat Feb 17, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Are we stuck paying the tax/penalty/interest on this 529 withdrawal?
Replies: 23
Views: 1947

Re: Help! Are we stuck paying the tax/penalty/interest on this 529 withdrawal?

I don't have experience with this, but if you are stuck, then that means the money paid should be counted toward what you need to get an education tax credit if your income is low enough, right?
by livesoft
Sat Feb 17, 2018 6:17 pm
Forum: Forum Issues and Administration
Topic: Using math notation in Bogleheads posts
Replies: 10
Views: 1005

Re: Using math notation in Bogleheads posts

Since many people are able to currently post figures and charts and it seems everybody can see them, I would think that folks who want to show non-simple math can render a picture and post it.
by livesoft
Sat Feb 17, 2018 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Issue - "Foreign source amount included in dividends"
Replies: 11
Views: 1220

Re: TurboTax Issue - "Foreign source amount included in dividends"

Zero for foreign source income says you had no foreign source income and thus no foreign taxes. :) Usually it is all the amount of the dividend from the foreign fund that paid the foreign tax, but not always. And as noted, it is now listed in the information with the 1099-DIV, but also available on ...
by livesoft
Sat Feb 17, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Wash sale rule question: Are Vanguard 500 Index (VFIAX) and Small Cap Value (VSIAX) "substantially identical"?
Replies: 10
Views: 584

Re: Wash sale rule question: Are Vanguard 500 Index (VFIAX) and Small Cap Value (VSIAX) "substantially identical"?

So ... does the lot that created the wash sale now have a loss? If so, sell it to realize the disallowed loss. No harm at all. :)
by livesoft
Sat Feb 17, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Barron's-The Latest Casualty in the ETF Fee War—Objective Advice-Mentions Vanguard ETFs and new TD policy
Replies: 11
Views: 1216

Re: Barron's-The Latest Casualty in the ETF Fee War—Objective Advice-Mentions Vanguard ETFs and new TD policy

Barron's is a weekly that rehashes articles found in the WSJ, so this was discussed in several (probably now merged) threads a few weeks ago, wasn't it?

Here you go:
viewtopic.php?t=240145
by livesoft
Sat Feb 17, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Amica reocurring double digit increases in homeowners insurance
Replies: 20
Views: 1394

Re: Amica reocurring double digit increases in homeowners insurance

Do you think that the fires and mudslides out West are a factor? How about all the hurricanes in the south and east coast? Even if you made no claims, many other people did and you have to pay for them. This is a common misconception about homeowners insurance. Homeowners insurers set their rates s...
by livesoft
Sat Feb 17, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Recurring charges after compromised card
Replies: 8
Views: 478

Re: Recurring charges after compromised card

When this happens to us, the company that bills the credit card sends an e-mail "Your monthly payment did not work. Please update your card number and pay your bill." That's it. No extra charge and no automated change of card number nowadays.
by livesoft
Sat Feb 17, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: 1099B and tax impact
Replies: 4
Views: 312

Re: 1099B and tax impact

I cannot tell you without you posting your entire tax return. Instead of looking with TurboTax, did you print out your Form 1040 and read every line?

You can delete the 1099-B and then print out your Form 1040 and compare the before and after numbers.
by livesoft
Sat Feb 17, 2018 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Is a Brokerage "Redemption Fee" tax deductible?
Replies: 14
Views: 739

Re: Is a Brokerage "Redemption Fee" tax deductible?

As stated by Fidelity: How to treat the fee and service charges you incur when you sell shares of a mutual fund or individual security depends on how the sales are reported on your Form 1099-B. Fidelity's 1099-B deducts the fee from the proceeds. However, you can add the fees to the cost basis. You...
by livesoft
Sat Feb 17, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: ios fitness/stretching apps
Replies: 3
Views: 162

Re: ios fitness/stretching apps

MyFitnessPal
by livesoft
Sat Feb 17, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: Which book for an 18 year old who is asking about investing?
Replies: 35
Views: 1930

Re: Which book for an 18 year old who is asking about investing?

This place needs a "The Bogleheads' Guide to the Bogleheads' Wiki"

It wouldn't hurt to have such an article written by an 18-year old. Or would it?

Another possibility is to ask your young adult to teach you about investing and see if that leads to shared knowledge.
by livesoft
Sat Feb 17, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 76
Views: 5318

Re: Effect of spending money on appearance in career

You should stick up for yourself and other women and call them out on their obnoxious comments.