Search found 3963 matches

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: 16
Views: 1218

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: 16
Views: 1218

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: 16
Views: 1218

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: 5
Views: 551

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: 5
Views: 551

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: 1050

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: 1050

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: 65
Views: 3742

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: 30
Views: 2787

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: 65
Views: 3742

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: 65
Views: 3742

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: 65
Views: 3742

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: 65
Views: 3742

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: 631

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: 412

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: 412

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: 401

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: 401

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: 6235

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: 313

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: 313

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: 313

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: 5021

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: 5724

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: 6483

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: 4595

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...
by iceport
Sat Sep 29, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Know Any Good Forums for Android Smartphone Users?
Replies: 7
Views: 839

Re: Know Any Good Forums for Android Smartphone Users?

Thanks for the suggestions everyone!
by iceport
Wed Sep 26, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Know Any Good Forums for Android Smartphone Users?
Replies: 7
Views: 839

Know Any Good Forums for Android Smartphone Users?

Does anyone know of a trustworthy forum for Android smartphone users? Several sites show up with a Google search, but could anyone vouch for their independence and quality? Basically, I'm looking for a Boglehead-type forum for smartphone use, suitable for a complete novice with a lot of catching up ...
by iceport
Wed Sep 26, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6483

Re: My Very First Smartphone — Please Critique This Plan

It sounds like you might want to spend the bucks on a good case. My family has had good experience with LifeProof and Otterbox. Do it right away before you scratch your screen if not worse. Thanks for the recommendations! I think the Y/Y improvements in camera have been marginal/incremental, but th...
by iceport
Tue Sep 25, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6483

Re: My Very First Smartphone — 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
Tue Sep 25, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6483

Re: My Very First Smartphone — Please Critique This Plan

Now, even before the phone arrives, I have *tons* of questions. I'll be starting at Square 1 for things like: deleting/disabling unwanted Samsung apps; finding and loading useful apps; options for email; capabilities of email syncing with my desktop; malware protection; data use management; etc. So...
by iceport
Tue Sep 25, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6483

Re: My Very First Smartphone — Please Critique This Plan

OP back again... Thanks for all of your advice, tips, references and thoughts. Every single one of them was helpful, even if, as noted below, I didn't follow it. (Well, the global coverage of Project Fi was a little OT, but still enjoyable enough to read through.) It all help to define the trade-off...
by iceport
Sun Sep 23, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6483

Re: My Very First Smartphone — Please Critique This Plan

Consumer Cellular would be $35/mo. for 3 GB. $45/mo. for 5 GB https://www.consumercellular.com/Plans Yeah okay. That's looks good. I don't know anything about their coverage or speeds, but Wirecutter gives them a positive review: https://thewirecutter.com/reviews/best-wireless-carrier/ Thanks. I've...
by iceport
Sun Sep 23, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6483

Re: My Very First Smartphone — Please Critique This Plan

You do realize that you don't need to use any data to navigate via GPS. The only data required is if you need real time traffic updates, or if you are not disciplined to download the maps you need via wifi. I don't realize much. :wink: But I am assuming that tracking (recording) horizontal and vert...
by iceport
Sun Sep 23, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6483

Re: My Very First Smartphone — Please Critique This Plan

The DxOMark ratings have me seriously considering an HTC U12+ now...

https://www.htc.com/us/smartphones/htc- ... color=blue

This is turning out to be exactly the major shopping project I was hoping to avoid by just plucking the top-of-the-line option. :|
by iceport
Sun Sep 23, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6483

Re: My Very First Smartphone — Please Critique This Plan

You do realize that you don't need to use any data to navigate via GPS. The only data required is if you need real time traffic updates, or if you are not disciplined to download the maps you need via wifi. I don't realize much. :wink: But I am assuming that tracking (recording) horizontal and vert...
by iceport
Sun Sep 23, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6483

Re: My Very First Smartphone — Please Critique This Plan

Google Fi is intriguing, but it might prove a tad expensive. I still have no idea — whatsoever — how much data I'll consume, but a friend advised me that 3GB will not be enough for me. So Fi would cost you $50/month. What plan are you considering that would be cheaper for 3GB of data? And will you ...
by iceport
Sun Sep 23, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6483

Re: My Very First Smartphone — Please Critique This Plan

A great Boglehead approach would be to get Google Fi phone service with a Moto X4 Android One phone ($250 from the Fi website). This is what I have, and it is a great phone with an excellent camera. I especially like the ability to get phone service over WiFi when I'm deep inside a building. I have...
by iceport
Sun Sep 23, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6483

Re: My Very First Smartphone — Please Critique This Plan

I can't remember when the last time I dunk my phone in water (literally never...). The repairability score is not a issue I care about; ask long as the phone has easy access to the battery after back plate opening. It's a simple battery swap. I am only giving you the most economical option, which i...
by iceport
Sun Sep 23, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6483

Re: My Very First Smartphone — Please Critique This Plan

Oh, and thanks for the several tips to be careful about data consumption. I will certainly be starting at the bottom of a steep learning curve...
by iceport
Sun Sep 23, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6483

Re: My Very First Smartphone — Please Critique This Plan

The S9+ was my initial interest. The smaller size, better durability (according to Consumer Reports) and lower cost of the S9 might be a better trade-off, and it's one of the cheaper, possibly more suitable options the article you linked mentions. It seems I could get one for $620 from B&H Photo, i...
by iceport
Sun Sep 23, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6483

Re: My Very First Smartphone — Please Critique This Plan

Baterry replacement is not a problem, you can get one for about $10. They are dirt cheap and easy to replace, takes about 15-30 mins to do. I replace mine twice already (heavy mobile gamer). One of the phone I replace it with 10,000 mah battery, now it last 3x as long. I don't have to charge my pho...
by iceport
Sat Sep 22, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6483

Re: My Very First Smartphone — Please Critique This Plan

Sure, yesterday OP was using a flip phone, today, he needs 1TB memory, water carbon cooling, S pen with remote, Bixby, DEX dynamic PC, Knox security, etc. Just to be clear, I'm not considering the Note 9. The S9+ was my initial interest. The smaller size, better durability (according to Consumer Re...
by iceport
Sat Sep 22, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6483

Re: My Very First Smartphone — Please Critique This Plan

OP here again... Thanks for all the continued comments. I am eagerly reading all of them and greatly appreciate your taking the time to help. So far, the predominant comment is some version of saying that the Galaxy S9+ (or a competitor's flagship equivalent) costs more than I need to spend for my p...
by iceport
Fri Sep 21, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6483

Re: My Very First Smartphone — Please Critique This Plan

OP here...

Thank you — EVERYONE — for your thoughtful replies. I can't respond to all of you individually, but I really do appreciate your experience and detailed advice. I will carefully consider all of it!
by iceport
Fri Sep 21, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6483

Re: My Very First Smartphone — Please Critique This Plan

(My old compact point-and-shoot was actually very good, except in low light. I expect the phone will be an upgrade in that regard. I found myself not missing the old film slr when I went digital, so I expect a quality phone camera will serve my needs well.) taking videos Just about any smart phone ...
by iceport
Fri Sep 21, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6483

Re: My Very First Smartphone — Please Critique This Plan

Jack FFR1846 wrote:
Fri Sep 21, 2018 2:15 pm
$800 for a phone?! I hope there's a 5 year old Civic attached to it.
8-)
by iceport
Fri Sep 21, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6483

Re: My Very First Smartphone — Please Critique This Plan

bob60014 wrote:
Fri Sep 21, 2018 1:57 pm
The S9's will be dropping in price soon as the new model will be coming out. If interested in them, do you need the 128gb model? It does have a card slot, if needed.
Good to know. Any idea of the timing?