Search found 3985 matches

by iceport
Fri Nov 16, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Do You Backup Your Phone Locally? How?
Replies: 17
Views: 929

Re: Do You Backup Your Phone Locally? How?

Bumping to try again for help on this...

Anyone have any suggestions for backing up personal data from an android phone locally (to a PC)?
by iceport
Fri Nov 16, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Understanding the difference in cell phone OS types
Replies: 46
Views: 2195

Re: Understanding the difference in cell phone OS types

Back to the original question, most of us have made a choice (sometimes more than one). It's such a broad question, it's hard to really provide a useful answer, and reading the wide range or responses here is amusing. Here's a recent thread from someone with a flip phone who dove in with both feet ...
by iceport
Sun Nov 04, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Do You Backup Your Phone Locally? How?
Replies: 17
Views: 929

Re: IT Help Needed: Best Way to Backup a Phone?

What specifically are you worried about? If someone where to get my photos or contact or emails or texts that I didn't know, I wouldn't go crazy. It is mostly garbage. To me, that is less important than my SSN, banking information, investment account info, etc. I don't know! I'd just rather not hav...
by iceport
Sat Nov 03, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Do You Backup Your Phone Locally? How?
Replies: 17
Views: 929

Re: IT Help Needed: Best Way to Backup a Phone?

What specifically are you worried about? If someone where to get my photos or contact or emails or texts that I didn't know, I wouldn't go crazy. It is mostly garbage. To me, that is less important than my SSN, banking information, investment account info, etc. I don't know! I'd just rather not hav...
by iceport
Sat Nov 03, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: Do You Backup Your Phone Locally? How?
Replies: 17
Views: 929

Re: IT Help Needed: Best Way to Backup a Phone?

I know you said you were worried about privacy issues, but I just save all my contacts to my google account. I've switched phones and reset phones several times over the past few years, and I never have to worry about my contacts. Exactly. I got a new Android phone 2 weeks ago. All my apps installe...
by iceport
Sat Nov 03, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Do You Backup Your Phone Locally? How?
Replies: 17
Views: 929

Re: IT Help Needed: Best Way to Backup a Phone?

I believe my Nook HD+ is an Android underneath. When I plug it into my Windows laptop's USB port, it looks like an external drive and I can drag files in both directions. Yes, I've been downloading pictures regularly. I also uploaded a bunch of MP3s to use for ringtones. But, for example, I can't s...
by iceport
Sat Nov 03, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: Do You Backup Your Phone Locally? How?
Replies: 17
Views: 929

Re: IT Help Needed: Best Way to Backup a Phone?

What specific data do you want to back up -- photos, text messages, applications, settings, etc? Yes. :) I just went through the data entry chore of creating a contact list from scratch, and realized I don't want to have to go through that again. I also would like to back up (or upload) any photos ...
by iceport
Sat Nov 03, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: Do You Backup Your Phone Locally? How?
Replies: 17
Views: 929

Do You Backup Your Phone Locally? How?

Hi all, Novice smartphone user here... I'm looking for the best way to backup the data on an android smartphone. I don't want to use cloud services, and I'm somewhat concerned about security and privacy. My first inclination is to simply backup the phone data locally to my PC periodically, which is ...
by iceport
Wed Oct 24, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Why does TD list a wash sale adjustment?
Replies: 10
Views: 470

Re: Why does TD list a wash sale adjustment?

Yes! Thank you! That is what they have calculated. The adjusted cost of the 9/27 shares comes out to $59.73, compared to my purchase price of $52.65. Similar adjustment for the 10/2 shares, $58.9 compared to my purchase price of $52.82. It doesn't list the adjusted cost per share, just the adjusted...
by iceport
Wed Oct 24, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Why does TD list a wash sale adjustment?
Replies: 10
Views: 470

Re: Why does TD list a wash sale adjustment?

Was there a single sale involved in which all shares purchased within the wash sale period were sold simultaneously for exactly the same price? And did that transaction execute first, before the older shares were sold? If so, my understanding (or interpretation, really) of the wash sale rule is tha...
by iceport
Wed Oct 24, 2018 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Why does TD list a wash sale adjustment?
Replies: 10
Views: 470

Re: Why does TD list a wash sale adjustment?

Was there a single sale involved in which all shares purchased within the wash sale period were sold simultaneously for exactly the same price? And did that transaction execute first, before the older shares were sold? If so, my understanding (or interpretation, really) of the wash sale rule is that...
by iceport
Sun Oct 21, 2018 9:38 pm
Forum: Investing - Theory, News & General
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 82
Views: 9165

Re: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

This was awesome. Thanks so much for the write up! I'm going to venture a potentially ignorant question: Is there any reason that someone wouldn't want to take advantage of tax loss harvesting? The linked article contains some practical points of caution. But perhaps the most basic one was left uns...
by iceport
Sun Oct 21, 2018 5:11 pm
Forum: Investing - Theory, News & General
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 82
Views: 9165

Re: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

While this is the method I recommend, TLH does not require purchasing a replacement asset within the wash sale period. (In fact, TLH using replacement index funds that perform practically identically to index funds sold with losses actually violates the whole intent of the wash sale rule, though it...
by iceport
Sun Oct 21, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5640

Re: 8 reasons why pensions are [good]

You have a fund that isn't receiving enough money to support its spending habit, and it won't ever receive enough money. Does it matter why? We're straying far OT now (sorry), but it does matter very much to me. In any given year out of the last, say, 40(!) years, the size of the shortfall in adequ...
by iceport
Sun Oct 21, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5640

Re: 8 reasons why pensions are [good]

Most pensions mimic a loan no one ever intends to pay back. Sure you can pay everyone in perpetuity 80% of their 36-month highest average--that's amazing, what a deal. Well, it works only because you pass the buck. The funding ratios worsen, the unfunded liabilities balloon. Eventually the rents co...
by iceport
Sat Oct 20, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 82
Views: 9165

Re: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

Thanks to Taylor for the notice, and to PoF for the tutorial. It's an outstanding summary that I've bookmarked for future reference and sharing here on the forum. Here are some choice quotes I'd like to highlight or comment on. TLH is a way to capture a “paper loss” by selling an asset that has decl...
by iceport
Thu Oct 18, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: 2018 Income Tax Simulation
Replies: 11
Views: 2343

Re: 2018 Income Tax Simulation

kaneohe wrote:
Mon Aug 20, 2018 9:13 pm
I like this one: https://www.mortgagecalculator.org/calc ... ulator.php
This is an excellent calculator. Thanks kaneohe!
by iceport
Wed Oct 17, 2018 1:35 pm
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting question
Replies: 20
Views: 1874

Re: Tax loss harvesting question

Piggybacking on this question very slightly and seeking clarification on the comments set forth above. If you sell a Spec ID that you purchased less than 30 days ago, do you incur a wash sale so long as you sell all of your Spec ID? Stated differently, you do not need to sell all of your holding in...
by iceport
Wed Oct 17, 2018 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale question: selling new and old shares
Replies: 9
Views: 324

Re: Wash sale question: selling new and old shares

As an interesting note, I also have FSIVX that I bought on 4 Oct and 5 Oct (two different buys). I have to wait 30 days on those. If I sold them now, it would be a wash as one could be considered a replacement for the other. But I don't need to sell them now. I'll probably TLH them after 30 days, t...
by iceport
Wed Oct 17, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting question
Replies: 20
Views: 1874

Re: Tax loss harvesting question

I will try to track on my own, I thought VG would do it for me, I suppose I will get tax forms with losses at the end of the year from VG anyway, right? Or do I have to report them on my own? Cost basis is always spec ID for me, which is why I can easily TLH since I know which purchases have gains ...
by iceport
Wed Oct 17, 2018 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: First time TLH Questions, constrained by spouse's work
Replies: 17
Views: 1403

Re: First time TLH Questions, constrained by spouse's work

But I still think that in order to avoid at least the potential for an IRS assertion of disallowed loss, it's not clearly sufficient to sell IRA shares (even specifically identified) bought less than 31 days before the taxable sale. I can't disagree; there is a potential for a challenge by the IRS ...
by iceport
Wed Oct 17, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Wash sale question: selling new and old shares
Replies: 9
Views: 324

Re: Wash sale question: selling new and old shares

rkhusky is correct. See Example 4 in this article from a tax expert: Wash Sales and Replacement Stock
by iceport
Tue Oct 16, 2018 11:39 am
Forum: Investing - Help with Personal Investments
Topic: First time TLH Questions, constrained by spouse's work
Replies: 17
Views: 1403

Re: First time TLH Questions, constrained by spouse's work

If there is a buy in IRA within the 30 day lookback period, part of the taxable loss is disallowed. I don’t think this can be mitigated by any subsequent act except waiting before selling in taxable. What are you basing this on? You might be correct, but it doesn't make sense from the perspective o...
by iceport
Tue Oct 16, 2018 2:22 am
Forum: Investing - Help with Personal Investments
Topic: First time TLH Questions, constrained by spouse's work
Replies: 17
Views: 1403

Re: First time TLH Questions, constrained by spouse's work

If there is a buy in IRA within the 30 day lookback period, part of the taxable loss is disallowed. I don’t think this can be mitigated by any subsequent act except waiting before selling in taxable. What are you basing this on? You might be correct, but it doesn't make sense from the perspective o...
by iceport
Tue Oct 16, 2018 2:02 am
Forum: Investing - Help with Personal Investments
Topic: First time TLH Questions, constrained by spouse's work
Replies: 17
Views: 1403

Re: First time TLH Questions, constrained by spouse's work

... If you sell all the shares purchased with the dividends before doing the TLH, you would avoid the wash sale. I thought about that. But didn't know how it would work. Why? The TA accounts are probably set up to use average cost basis, ...so how would OP target the sale to specific share lots---t...
by iceport
Tue Oct 16, 2018 1:12 am
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting question
Replies: 20
Views: 1874

Re: Tax loss harvesting question

Sell all the VOO shares that you bought on 9/17 and there will be no wash sale. If you don't sell all of them, you'll end up with a partial/complete wash sale. This isn't correct. Shares you bought at the same time are not replacement shares for a partial sale of those same shares. See Example 2 he...
by iceport
Tue Oct 16, 2018 1:07 am
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting question
Replies: 20
Views: 1874

Re: Tax loss harvesting question

You can sell at a loss now. There's no minimum holding time to book a loss. You could buy VOO in the morning, watch it crash during the day, and sell it at a loss before the market closes. As long as you don't hold replacement stock bought within the 61 day wash sale period, you can claim the loss; ...
by iceport
Mon Oct 15, 2018 11:10 am
Forum: Investing - Theory, News & General
Topic: Is your Taxable account crowed with "highly correlated" but not "substantially identical' funds? how else can you TLH
Replies: 15
Views: 1121

Re: Is your Taxable account crowed with "highly correlated" but not "substantially identical' funds? how else can you TL

Maybe this has been answered before, but do brokers report to IRS if for example you sell VOO (vanguard S&P and buy VTI Vanguard total stock or in more similar ETF, sell VTI and but ITOT ( Ishare total stock). In the second case I know that IRS would most likely treat it as similar but was wonderin...
by iceport
Mon Oct 15, 2018 11:00 am
Forum: Investing - Theory, News & General
Topic: Is your Taxable account crowed with "highly correlated" but not "substantially identical' funds? how else can you TLH
Replies: 15
Views: 1121

Re: Is your Taxable account crowed with "highly correlated" but not "substantially identical' funds? how else can you TL

It would be interesting to know if the Forbes article you mentioned just made up their data or if the reporter actually has some research of brokerages and 1099-Bs that show adjustments from wash sales. I suspect it is probably just some anecdotal hand waving just like what happens here on boglehea...
by iceport
Sun Oct 14, 2018 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: TLH VTIAX [Tax loss harvest - Vanguard Total International Stock]
Replies: 69
Views: 4744

Re: TLH VTIAX

The "purpose of the wash sales provisions is to prevent tax manipulation by a taxpayer who attempts to recognize a loss on the sale of 'securities' while maintaining an identical or nearly identical investment position." — I.R.S. Gen. Couns. Mem. 38,369 (May 9, 1980) So? So... the spirit of the was...
by iceport
Sun Oct 14, 2018 1:06 pm
Forum: Investing - Theory, News & General
Topic: Better to invest in taxable and not deferred?
Replies: 31
Views: 3148

Re: Better to invest in taxable and not deferred?

Recently I heard an argument from a coworker that was never heard before with an interesting angle to it. It goes like this: You invest up to getting max employer matching contributions in tax deferred, and after that take the rest as taxable income and invest in taxable accounts. Logic: capital ga...
by iceport
Sat Oct 13, 2018 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: TLH VTIAX [Tax loss harvest - Vanguard Total International Stock]
Replies: 69
Views: 4744

Re: TLH VTIAX

The "purpose of the wash sales provisions is to prevent tax manipulation by a taxpayer who attempts to recognize a loss on the sale of 'securities' while maintaining an identical or nearly identical investment position."

— I.R.S. Gen. Couns. Mem. 38,369 (May 9, 1980)
by iceport
Sat Oct 13, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: TLH VTIAX [Tax loss harvest - Vanguard Total International Stock]
Replies: 69
Views: 4744

Re: TLH VTIAX

There are some people (and apparently betterment) who hold the opinion that 401k accounts are included, however only taxable accounts and IRAs are explicitly mentioned in official Wash Sale guidance. Well, not considering 401k accounts when assessing wash sale transactions would certainly violate t...
by iceport
Sat Oct 13, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: TLH VTIAX [Tax loss harvest - Vanguard Total International Stock]
Replies: 69
Views: 4744

Re: TLH VTIAX

There are some people (and apparently betterment) who hold the opinion that 401k accounts are included, however only taxable accounts and IRAs are explicitly mentioned in official Wash Sale guidance. Well, not considering 401k accounts when assessing wash sale transactions would certainly violate t...
by iceport
Sat Oct 13, 2018 10:34 am
Forum: Investing - Help with Personal Investments
Topic: TLH VTIAX [Tax loss harvest - Vanguard Total International Stock]
Replies: 69
Views: 4744

Re: TLH VTIAX

401(k) holdings are not subject to wash sales. I remember reading to the contrary. For example, The wash sale rule applies not just to situations when a "substantially identical" purchase is made in the same account, but also when the purchase is made in the individual's IRA account, or even in a s...
by iceport
Fri Oct 12, 2018 1:06 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest VTSAX -> VLCAX
Replies: 10
Views: 689

Re: Tax loss harvest VTSAX -> VLCAX

You have a choice: 1. Wait to TLH in taxable because the shares bought in the IRAs will create wash sales -or- 2. Don't wait to TLH and show the disallowed loss on your tax return. If it were me, I'd choose Option 3: -or- 3. First, in each IRA, sell at least the number of shares bought within the w...
by iceport
Thu Oct 11, 2018 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest question
Replies: 3
Views: 432

Re: Tax loss harvest question

As long as those represent all of the shares purchased withing the 61 day wash sale period (the loss harvest day plus 30 days before and after), yes. Provided you purchase no other "substantially identical" replacement shares within the wash sale period, you should be able to claim the full loss. T...
by iceport
Thu Oct 11, 2018 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest question
Replies: 3
Views: 432

Re: Tax loss harvest question

In a taxable account: 9/27 6 shares VTSAX reinvested dividends 10/2 180 shares VTSAX purchased I would like to sell/exchange both lots to benefit from TLH from recent losses if possible. Will I be able to deduct any % of losses in this situation due to the timing? As long as those represent all of ...
by iceport
Thu Oct 11, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest international small cap with what?
Replies: 11
Views: 445

Re: Tax loss harvest international small cap with what?

You are right, VWO is a large cap fund, so that's a different asset class (I might want to tilt more into that as well, but that's a different story). I'm definitely not going to spend 0.6% for a emerging small cap fund :-) I don't blame you a bit... I wouldn't do it either! ...my only space there ...
by iceport
Thu Oct 11, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest international small cap with what?
Replies: 11
Views: 445

Re: Tax loss harvest international small cap with what?

Thanks everyone for their perspective so far. It sounds like it's not an anti pattern to buy an index fund from organizations beyond Vanguard :-) At this time, I'm leaning towards TLH into SCHC ("Schwab International Small-Cap Eq ETF") and adding a little bit of VWO ("Vanguard Emerging Markets Stoc...
by iceport
Mon Oct 08, 2018 1:26 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why Emerging Markets Matter
Replies: 82
Views: 6520

Re: Larry Swedroe: Why Emerging Markets Matter

I guess Emerging Markets are the new REITs. I heard the about the same case for REITs back in 2007 that I am hearing for Emerging Markets now. I have held both asset classes for a long time. While it's important to put the latest observations from even the best authorities into a broader context, a...
by iceport
Sat Oct 06, 2018 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: another replacement stock/wash sale question
Replies: 7
Views: 335

Re: another replacement stock/wash sale question

You can sell [just] the recently purchased replacement shares in the IRA before you sell the shares in the taxable account to avoid the wash sale. Is that true for sure because in an IRA there is typically no way to identify and sell only the shares that fall in the wash sale rule date range. Some ...
by iceport
Sat Oct 06, 2018 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: another replacement stock/wash sale question
Replies: 7
Views: 335

Re: another replacement stock/wash sale question

as a follow up. are you saying that if 1) i sell all the shares in the lot that was purchased most recently and would otherwise create a wash sale (the 10/3/18 lot), i can then 2) sell all lots in my taxable account without causing a wash sale? in other words, correct the "mistake" i made by recent...
by iceport
Sat Oct 06, 2018 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: another replacement stock/wash sale question
Replies: 7
Views: 335

Re: another replacement stock/wash sale question

my question is whether my recent Roth IRA purchase will create a wash sale or if they won't because they aren't "replacement stock." Yes, those shares would count as replacement shares and would result in a (partial) wash sale if you harvest any losses in your taxable account within 30 days of the ...
by iceport
Sat Oct 06, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: 2018 Bogleheads Conference Notes
Replies: 36
Views: 5270

Re: 2018 Bogleheads Conference Notes

Jonathan Clements' latest blog entry is essentially a curated collection of notes from Jack Bogle's various remarks at the conference:

Jack of Hearts
by iceport
Sat Oct 06, 2018 11:46 am
Forum: Investing - Theory, News & General
Topic: Doubling down on EM [Emerging Market]
Replies: 55
Views: 5895

Re: Doubling down on EM

EM now accounts for nearly half my stock allocation (most of the rest is international DM). I expect this tilt will have a big impact on the eventual returns of my portfolio. If EM does well, the tilt will pay off. If not, frankly, my retirement might be less comfortable. Well, I suppose you've ask...
by iceport
Mon Oct 01, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6660

Re: My Very First Smartphone [Samsung Galaxy S9+]— Please Critique This Plan

I understand the comments that one can get a cheaper phone, but the poster has said he wants to use the phone for serious photography. The S9+ has one of the bests cameras available, and importantly has both a wide and longer lens, which is great for portraits, etc. My wife has one that she uses co...
by iceport
Sat Sep 29, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?
Replies: 45
Views: 4700

Re: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?

I don’t know if Vanguard can upgrade your account unilaterally. I think the account owner is required to click through the process. So maybe just keep ignoring the notifications for 3 more months. I’m not sure of another option besides calling Vanguard and stating your case. Or ignore the notificat...