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sunnyday

Thanks for the replies. For photos, I started this process which has worked great so far: 1. Open iPhoto: iPhoto automatically streams in my and my wife's photos from our iPhones. I don't believe Picasa will do that from iPhone. 2. Select a month and flag my favorites. 3. Upload the flagged items to...

sunnyday

I am kind of feeling like you sunnyday. But I think like all things, it seems daunting the first time you do it. I am sure it will get easier with time. The first couple of times I did it were actually easier because: 1. I TLH'd my entire taxable balance so I didn't have to specify or track lots 2....

sunnyday

And yet another question is that you also need to keep track of your spouse's funds correct? If I include my wife's Roth dividend, it would be a whopping $10 wash.

I'm starting to think that TLH isn't worth the time and trouble except in major bear markets.

sunnyday

Can the $130 wash be adjusted to the cost basis when the OP buys back the fund? I'm not sure how it works, but I just read this: http://en.wikipedia.org/wiki/Wash_sale Basis adjustment[edit] After a sale is identified as a wash sale and if the replacement stock is bought within 30 days before or aft...

sunnyday

I think it is more like this? For example 10% discount from http://www.prepayrefill.com, and 17% taxes from http://www.dailyfinance.com/2013/07/10/cell-phone-bill-hidden-taxes/ (I have never had Verizon service, so perhaps someone who has can give some real numbers). Also not including initial sale...

sunnyday

My wife and I take a lot of photos with our two iPhones and DSLR but most of which are never used and take up space on my iPhone, MacBookPro, and backup drive. I often have to go in and delete/transfer photos and videos to save space and I'm not sure where all of my favorite photos. So I'm looking f...

sunnyday

Sunnyday - thanks again for your help. I appreciate it. I agree that the wiki is not clear, and I could easily be misinterpreting. I primarily based my understanding on the fairmark article http://www.fairmark.com/capgain/wash/wsira.htm which says: You lose your deduction if you buy replacement sha...

sunnyday

I'm not sure why you mentioned your tax-advantage accounts. You can't TLH in those. Instead TLH on your taxable account and don't bother changing anything in your tax-advantage accounts. SunnyDay - I realize that all harvesting takes place in taxable only. I brought up tax advantaged accounts since...

sunnyday

VFWAX and VTIAX work well for tax loss harvesting and are considered "different enough" to not have to worry about a wash sale. At least I've read that on here. You may want to chose to not automatically reinvest your dividends. It makes the tax lots easier to keep track of. I'm not sure why you men...

sunnyday

Homer wrote:In theory, they can. In practice, and over the long term, they usually don't.

At first I was thinking about it as "Why aren't the Warren Buffets beating the Joe Schmos" but I guess if the market is truly efficient, it's like they're competing in roulette instead of poker.

sunnyday

I recently watched some of this interview: http://www.fool.com/investing/general/2013/11/14/investing-legend-jack-bogle-answers-your-questions.aspx And I didn't really phrase it this way in those days, Tom, but when you think about it, we're all indexers. Every investor in America is an indexer beca...

sunnyday

^ I run those numbers every so often and the contract always seems to come out ahead for me. My numbers are: Page Plus Cellular - iPhone 6 $649.99 (retail) + $958.80 (24 * $39.95 - if page plus tax is included ) = $1,608.79 Verizon Wireless - iPhone6 $20 (2 year) + $30 activation + $1,320.00 (24 * $...

sunnyday

If you talk to a Verizon person on the phone, you should be able to keep your plan (no avoiding the $30 upgrade fee). I just got an iPhone 6+ and kept my plan 2GB unlimited talk/text for $60/month. This $60 plan may be their only individual plan now. I avoided the More Everything (unless you have s...

sunnyday

I just called Vanguard to specify the lots and it was simple to do. One thing I would have done differently though when I exchanged, is I would have specified the number of shares instead of a round dollar amount. Because of this, I had sell some of the shares from one of my lots. Not a big deal, ju...

sunnyday

I currently have the customer loyalty plan with Verizon: $50/mo for 1gb data, unlimited talk and text. I went to upgrade to an iPhone 6 today and got this message: Purchase of this smartphone requires a data package (minimum of $30/month) for the length of the minimum contract term, or you can move ...

sunnyday

Be sure to incorporate to protect yourself from possible product liability issues. You may also want to fund some safety testing based on your plan to marketing the products to children. It will help to have a track record of having sought safety related expertise. Watch the Steve Martin movie The ...

sunnyday

Hello sunnyday, Unfortunately that is not possible. FSA funds only pay for the current year expenses(you can only make claims until next year January). If there are post expenses like therapy for few months etc, you can probably manage to have them into next year. Fsa money goes back to employers f...

sunnyday

I just got a large medical bill. Can I make the minimum payments (until next year) and then pay the rest of the bill out of next year's Health Care Flexible Spending Account? Since FSA accounts are "use it or lose it" where does the money go if you don't use it -- back to the government or does it s...

sunnyday

Why would the cheapness make the product poor for online sales? If it has value, people will pay the shipping. Being easy to copy is bad no matter where you sell it. You could probably get higher margins online. Instead of trying to hit singles in the minor leagues and spending years trying to work...

sunnyday

I was just in BuyBuyBaby and talked to the cashier. I did a mini pitch and asked if there was anyone I could speak with. She said a manager and next thing I new a manager and the head manager came over. I gave my pitch again and the head manager said that once the product is ready to let him know an...

sunnyday

I'm working on designing a product for parents of young children. The product will be very cheap so I'm leaning towards retail stores over selling online. I'm wondering how I should approach Buy Buy Baby and Babies R Us to try to get the product on the shelves. Does anyone have any experience gettin...

sunnyday

Thanks for the information - this is an amazing forum. Here's Vanguard's frequent trading policy: http://www.bogleheads.org/wiki/Frequent_trading_policy So it only applies if you sell, then buy. Like most Vanguard mutual funds, VTIAX does not have a redemption fee. So all I need to do is wait 60 day...

sunnyday

Thanks for the replies. I just exchanged VFIAX for VWIAX. I think the final steps are: 1. I selected SpecID, but Vanguard says that I need to call within 1 business day to specify the lot. If I don't call, FIFO will be used (which I don't want). 2. Now the only other thing to make sure is that I don...

sunnyday

Make sure there are no other transactions (dividend reinvestment, automatic purchases etc.) for 31 days before and after the TLH date to prevent a wash sale. The wash sale is a bit unclear to me. If I exchange from a lot that I purchased on 9/25/2014, that won't trigger a wash sale. It's only if I ...

sunnyday

What are the steps to TLH from a Vanguard mutual fund account?

sunnyday

I have a question for the OP and like-minded folks. Let's say that you have two kids. One has demonstrated what you consider to be admirable financial discipline, and the other hasn't. The time comes to refresh your will. Do you leave more to one child based on your impressions? If so, don't you wo...

sunnyday

Let me clarify what I meant. If I do what's right for the client (charge low fees, invest in low-cost index funds), then I'm considered to be a simpleton. If I do what the slick brokers downtown do (active funds, complicated MLP's with K-1's, SMA's, hedge funds, 1.5% AUM fees), then I'm considered ...

sunnyday

I love the products that get sarcastic reviews. One recent one is:
http://www.amazon.com/Samsung-UN105S9-C ... samsung+tv

I cracked up over the one about Sparky.

sunnyday

Is this how you planned to raise your kids? How about soothing music to put her/you to sleep? I think I would not allow the use of any electronic gadgets until the brain is more developed. A professional we just spoke with about it said it's fine but she knows we only plan to do it sparingly. I'm n...

sunnyday

Is there a practical upper limit to the simplified Bogle methods? That is, do you think it's really practical to pitch the "three-fund ETF" portfolio to a person with $10m+ in investable assets? Or do you think that at some point, they need more than just the basic three funds? This is starting to ...

sunnyday

I forget who said it, but it bears repeating: "Leave your children enough that they can do anything, but not enough that they can do nothing." A nice legacy could enable someone to do public service law instead of corporate, be a social worker instead of a gov't bureaucrat, be an entrepreneur inste...

sunnyday

If anyone has any movie recommendations too that would be great. Something with a lot of music and no princesses would be ideal. Does it have to be animated? Because Google Play has some classic live-action, kid-friendly musicals, such as The Sound of Music, The Wizard of Oz, Chitty Chitty Bang Ban...

sunnyday

I have seen too many trust fund kids become wasteful spenders and drug addicts. Why would I want that for my grandkids? Really (on a personal level), and if so, how many? Or are you talking about rich celebrity kids that you don't know? I have a couple friends who have trust funds. I only know beca...

sunnyday

So all of the apps that I've downloaded have been for free so I'm still wondering how to spend the credit. I may use it on some movies. I prefer Pixar over Disney and Pixar has packs of short movies for $10. I'm not sure though because they may have some violence. If anyone has any movie recommendat...

sunnyday

Thanks for the replies. I installed a few of them along with some animal sound ones. I think Endless Alphabet/Reader is the best out of the bunch. I probably won't have my daughter try for a little while, but it'll be interesting to see what she thinks about it. It's a totally different world now th...

sunnyday

Is this how you planned to raise your kids? How about soothing music to put her/you to sleep? No, but I'm also not judgmental about parents who occasionally let their kids have screen time. We have a lot of friends who are terrific parents and allow their kids to use tablets. Some of them travel a ...

sunnyday

The penny will even out perform some indexes in the last couple days -- woohoo! :) “There are two times in a man's life when he should not speculate: when he can't afford it, and when he can.” | ― Mark Twain That's an interesting quote considering how poor of an investor he was. In his later years h...

sunnyday

It could have been interesting if the OP asked people to list savings from having a child too. Now that I'm a parent, I rarely go to nice restaurants and never go out to bars. I don't travel as much or do my expensive hobbies as much. I do miss those things, but there's a whole new list of things th...

sunnyday

I have a $25 Google play credit that's going to expire soon. I use mostly iOS but have a Nexus 7 that I use primarily as a baby monitor. I may also let my 18 month old use it sparingly (airplanes, long car rides, in pain from teething, etc). What are some good apps for toddlers and preschool kids, b...

sunnyday

Thanks cheese_breath. That's what I was thinking too. Since everything on my credit report looks legit and I have my credit frozen, I should be fine.

sunnyday

I received a letter from Experian today stating: We are required to notify you that within the last 30 days changes to your name, address or social security number have been reported to us by a creditor. We are required to notify you because of your security freeze. I paid a dollar to view my credit...

sunnyday

How does your sister feel about it? The first step, IMO is to talk her and see what would help her the most. I have relatives who wouldn't want a dime from me regardless of how much money I had. I don't think there will be handouts for student loans. Were there handouts to people who were underwater...

sunnyday

Thanks cyberbob. That's good to know about transferring contacts. It seems like running a Verizon iPhone 5 on Straight Talk can be a bit of a hassle - http://smartphonematters.com/using-a-verizon-iphone-5-with-straight-talk-wireless/ What exactly about the article is a hassle? I switched using a Ve...

sunnyday

I'm planning to give my Verizon iPhone 5 to my mother, who currently has an android phone on t mobile straight talk. She's probably a medium to light user in terms of data, minutes and SMS. Is it possible to switch the phone over to straight talk? Or are there better options? Also is there a way to...

sunnyday

Thanks cyberbob. That's good to know about transferring contacts.

It seems like running a Verizon iPhone 5 on Straight Talk can be a bit of a hassle - http://smartphonematters.com/using-a-ve ... -wireless/

sunnyday

I'm planning to give my Verizon iPhone 5 to my mother, who currently has an android phone on t mobile straight talk. She's probably a medium to light user in terms of data, minutes and SMS. Is it possible to switch the phone over to straight talk? Or are there better options? Also is there a way to ...

sunnyday

I made sure to record this after watching the Mark Twain PBS special by Ken Burns.

I was amazed to learn how poor of an investor Mark Twain was -- too bad this forum wasn't around when he was alive

sunnyday

I went to a local store today and tried on a bunch. After speaking with the sales associate, I decided against wool since it can be less durable and shrink in the dryer. I couldn't find the exact fit I was looking for -- mediums were too tight around the chest and a little short and larges were too ...

sunnyday

Thanks for the replies. I agree that it's best to try things on to get the best fit. I plan to do so, although sometimes it's tough to get a feel for how clothing will do up against the elements, but I find most staff at outdoor stores to be knowledgeable and helpful. Good recommendation for wool to...

sunnyday

I'm looking for a nice fleece jacket that I can wear in 45-60 degree wether and also in cold weather as a mid layer under my Arc'teryx Atom jacket. I'd like something with a snug athletic fit and something that isn't bulky. I prefer the fit and warmth to weight of Arc'teryx but will consider other b...

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