Search found 60 matches

by tdonline
Mon Jun 27, 2016 10:02 am
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 17412

Re: What did you learn from the post-Brexit bloodbath?

The market has been lower. But assuming Friday was a RBD, then planning to TLH (VTIAX --> VFWAX) and buy low (VFWAX) on Monday. Have changed and now trying livesoft's $500 TLH threshold. Why? Because my one-and-done $3K TLH threshold was leaving money on the table. What I paid in February for VTIAX...
by tdonline
Fri Jun 24, 2016 10:33 am
Forum: Personal Investments
Topic: Investment strategy when TLHing
Replies: 3
Views: 269

Re: Investment strategy when TLHing

Yes you can specify lots to sell for TLH - so you can just TLH the one you want. Watch out for wash sale rules though if you sell within 30 days of buying or reinvesting. It is fine to have shares in both international funds. If both drop to the point you want to TLH then you would have to find a t...
by tdonline
Fri Jun 24, 2016 10:04 am
Forum: Personal Investments
Topic: Investment strategy when TLHing
Replies: 3
Views: 269

Investment strategy when TLHing

I only started tax loss harvesting last year and have done it twice. Each time I TLHed, I also bought additional shares and all my shares will have the same price. Keep it simple. What I haven't figured out is what if the index fund never dips (or doesn't for a long time) below my TLH purchase price...
by tdonline
Fri Mar 04, 2016 5:44 pm
Forum: Investing - Theory, News & General
Topic: "Why IBM Moved to Indexing"
Replies: 22
Views: 4852

Re: "Why IBM Moved to Indexing"

Sorry, removing out of precaution.
by tdonline
Fri Mar 04, 2016 12:55 pm
Forum: Investing - Theory, News & General
Topic: "Why IBM Moved to Indexing"
Replies: 22
Views: 4852

Re: "Why IBM Moved to Indexing"

Sorry, removing out of precaution.
by tdonline
Wed Dec 23, 2015 8:03 pm
Forum: Personal Investments
Topic: Basic TLH help to do an exchange with Vanguard
Replies: 40
Views: 2787

Re: Basic TLH help to do an exchange with Vanguard

Thanks for confirming, Taylor! And happy holiday to you too.

Since VFWAX has gone up the last few days, I may have missed the window for the 'few hundred' part. And I can't do it tomorrow as I'm traveling. Let's see what happens next week.
by tdonline
Wed Dec 23, 2015 12:53 pm
Forum: Personal Investments
Topic: Basic TLH help to do an exchange with Vanguard
Replies: 40
Views: 2787

Re: Basic TLH help to do an exchange with Vanguard

VFWAX Admiral of FTSE All World ex-US has an ETF share class (VEU) which you can check during the day. That should give you an idea of what the NAVs of investor and admiral share classes will do. Brilliant! Why didn't I think of that... Hmmmm...looks to be in green today. Monday really was the day ...
by tdonline
Wed Dec 23, 2015 12:27 pm
Forum: Personal Investments
Topic: Basic TLH help to do an exchange with Vanguard
Replies: 40
Views: 2787

Re: Basic TLH help to do an exchange with Vanguard

Ok, now my account is showing Spec ID and as it turns out, I have two lots and they are both in the red. But now the loss is just over $700. I know, I know...this has been asked before...is it worth THLing? I remember Taylor posting a few times that few hundred would be worth THLing. Do I recall cor...
by tdonline
Mon Dec 21, 2015 3:57 pm
Forum: Personal Investments
Topic: Basic TLH help to do an exchange with Vanguard
Replies: 40
Views: 2787

Re: Basic TLH help to do an exchange with Vanguard

Hi Livesoft, I'm in the same boat as icedtea--I'm following your step by step TLH thread and I only see "Covered Shares" under Cost Basis details. Should I request Vanguard to change my account to Specific ID and then TLH? Or just go ahead and TLH now with all shares? My losses are only short term, ...
by tdonline
Wed Aug 26, 2015 4:16 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 306
Views: 59586

Re: TLH for absolute dummies

I just exchanged VTIAX for VFWAX--all shares. I selected the SpecId option but Vanguard wouldn't allow me to do it. So I just exchanged everything as first in first out. Did I mess up? You did just fine, but today is a significant UP day, so less loss than if done yesterday... I dithered yesterday ...
by tdonline
Wed Aug 26, 2015 2:47 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 306
Views: 59586

Re: TLH for absolute dummies

I just exchanged VTIAX for VFWAX--all shares. I selected the SpecId option but Vanguard wouldn't allow me to do it. So I just exchanged everything as first in first out. Did I mess up?
by tdonline
Wed Aug 26, 2015 2:28 pm
Forum: Personal Investments
Topic: First Taxable Account
Replies: 27
Views: 3546

Re: First Taxable Account

Reviving this thread. I established my first taxable account in March and now I've just sold it for my first foray into TLHing... I had about 2,500 in losses. Not a big hit but guessitimating it will be about 600-700 in a tax credit. That's about what I've owed the last couple of years in fed+state ...
by tdonline
Tue Aug 25, 2015 3:21 pm
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting always worth all the fuss?
Replies: 68
Views: 11618

Re: Is tax loss harvesting always worth all the fuss?

I've been meaning to TLH but missed both 4pm deadlines this week...I'm afraid to TLH after the Vanguard price close and tomorrow the Total Int'l fund soars to record heights.
by tdonline
Mon Aug 24, 2015 3:16 pm
Forum: Investing - Theory, News & General
Topic: Who's selling now?
Replies: 63
Views: 9467

Re: Who's selling now?

Is it possible to TLH and buy additional shares in the same fund? Earlier this year I bought 30K in Total International. I'm thinking about doing my first TLH and shifting the funds into FTSE All-World. I also have 10K in cash I would like to invest. Can I TLH and buy another 10K into FTSE-All World...
by tdonline
Thu Mar 26, 2015 12:31 pm
Forum: Personal Investments
Topic: First Taxable Account
Replies: 27
Views: 3546

Re: First Taxable Account

Not that much of a big deal on the before, it is the after TLH that you have to worry more about in my experience. Just make sure that if a TLH opportunity comes in the next 30 days you sell those shares you just bought, even if they happened to have a gain. That way you will longer own any "replac...
by tdonline
Wed Mar 25, 2015 12:58 pm
Forum: Personal Investments
Topic: First Taxable Account
Replies: 27
Views: 3546

Re: First Taxable Account

Oops, I had selected 'reinvest' for dividends and capital gains. I had been telling myself to change the selection the past couple of weeks and now I have a dividend reinvested. Oops. In any case, I'm changing it now to go to my prime money market. Quick question, I assume I select both dividends an...
by tdonline
Wed Mar 11, 2015 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Math equation in Excel
Replies: 5
Views: 810

Re: Math equation in Excel

Thanks! I knew it was something fairly simple :oops: I was working with * and that leading me nowhere. Shoulda gone with /!
by tdonline
Wed Mar 11, 2015 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Math equation in Excel
Replies: 5
Views: 810

Math equation in Excel

Math-challenged person needs help. Item A is currently worth $1,000. At $1,000, Item A's worth is 4% higher than worth in 2014. How much was Item A worth in 2014? I'm sure this is a routine SAT question that I should be ashamed of not knowing to how set up...if you can show me the math equation, I c...
by tdonline
Wed Mar 11, 2015 8:28 am
Forum: Personal Investments
Topic: First Taxable Account
Replies: 27
Views: 3546

Re: First Taxable Account

Is it safe to assume you are already maxing out your tax advantaged space? Yes. I don't understand why having questions about TLH would lead you towards not investing. Maybe I am missing something here. Analysis Paralysis. Fear of making wrong choice and messing up TLH options. Personally, I reinve...
by tdonline
Tue Mar 10, 2015 4:32 pm
Forum: Personal Investments
Topic: First Taxable Account
Replies: 27
Views: 3546

Re: First Taxable Account

Well, I pulled the trigger on my first ever taxable account. Unlike the retirement accounts, I guess I can't be too lazy about it--will have to check to see if there are losses to TLH and also to see when to invest another chunk.
by tdonline
Mon Mar 09, 2015 2:14 pm
Forum: Personal Investments
Topic: First Taxable Account
Replies: 27
Views: 3546

Re: First Taxable Account

For instance I use VTIAX and VFWAX as TLH partners. They both have similar performance (and share 80%+ of the same stocks) but track different indices. I came to this conclusion this morning. Instead of buying TSM, I'm going to buy VTIAX. I hold Total Int'l Stock in my 401K too but since it's a muc...
by tdonline
Mon Mar 09, 2015 8:25 am
Forum: Personal Investments
Topic: First Taxable Account
Replies: 27
Views: 3546

Re: First Taxable Account

From googling, here are a couple of links that suggest buying/selling the same fund in an 401K account would likely result in a wash sale. I may have to rethink Vanguard's TSM for my taxable account. I'm not sure I'm going to TLH but I'm inclined to set things up so the option is there if I change m...
by tdonline
Sun Mar 08, 2015 7:03 pm
Forum: Personal Investments
Topic: First Taxable Account
Replies: 27
Views: 3546

Re: First Taxable Account

Hmmm...let's say I invest with TLH in mind--keeping the option available. I invest in Total Stock Market through my 401K with Fidelity. I auto-invest bi-monthly. The current plan is to buy Vanguard's TSM in my new taxable account. Should I TLH the Vanguard TSM sometime down the line, would my bi-mon...
by tdonline
Fri Mar 06, 2015 4:59 pm
Forum: Personal Investments
Topic: First Taxable Account
Replies: 27
Views: 3546

Re: First Taxable Account

My favorite Wiki article becomes very relevant when you include a taxable investment account. If you intend to use tax loss harvesting , then you might make it easier on yourself by getting all distributions paid in cash (not reinvesting) since reinvested distributions could invalidate a tax-loss s...
by tdonline
Fri Mar 06, 2015 4:55 pm
Forum: Personal Investments
Topic: First Taxable Account
Replies: 27
Views: 3546

Re: First Taxable Account

traveler90 wrote:Will this money be in one fund or more than one fund?

I would reinvest if it was all going into one fund. If it's going into multiple, I would have it go into the money market account for manual rebalancing.
It's all going into Total Stock Market.
by tdonline
Fri Mar 06, 2015 4:30 pm
Forum: Personal Investments
Topic: First Taxable Account
Replies: 27
Views: 3546

First Taxable Account

I use Vanguard for traditional and Roth accounts. After much, much too long on the fence, I'm taking the plunge and going to invest 30K in my first ever taxable account. For the question of whether or not to reinvest, what say you? Vanguard offers reinvest or divert dividends to a money market accou...
by tdonline
Wed Dec 17, 2014 3:16 pm
Forum: Personal Investments
Topic: Traditional IRA to 401K?
Replies: 9
Views: 938

Re: Traditional IRA to 401K?

Morik, that's what I figured and why I mentioned my Roth IRA eligibility in my original post. I suppose I could rollover the IRA just in case I'd have to do a backdoor Roth IRA in the future. Clear the space while I have the opportunity, I suppose. Thanks to everyone for contributing. Vanguard's off...
by tdonline
Wed Dec 17, 2014 2:41 pm
Forum: Investing - Theory, News & General
Topic: Which audio books do you listen to?
Replies: 16
Views: 1442

Re: Which audio books do you listen to?

For some fun fiction, I recommend anything read by Jim Dale. He narrated the Harry Potter books, and some others. Dale's voicing of the female characters was really whiny though. Poor Hermoine was particularly annoying in Dale's interpretation. I third using your local library--both for books on CD...
by tdonline
Wed Dec 17, 2014 2:29 pm
Forum: Personal Investments
Topic: Traditional IRA to 401K?
Replies: 9
Views: 938

Re: Traditional IRA to 401K?

In terms of the regular backdoor Roth--that was my first thought too. But can I do a backdoor Roth IRA if I'm already contributing to a regular Roth IRA? So, basically my 2015 will look like this: 1) Vanguard Roth IRA--max out at 5,500 2) mega backdoor Roth--Company after-tax 401K rollovers to Fidel...
by tdonline
Wed Dec 17, 2014 10:52 am
Forum: Personal Investments
Topic: Traditional IRA to 401K?
Replies: 9
Views: 938

Re: Traditional IRA to 401K?

tfb, that's how I understand it...if not, I'm gonna be in trouble!

Surmising from the lack of responses, it doesn't seem like there's much to gain from rolling a T-IRA to a 401K.
by tdonline
Tue Dec 16, 2014 9:45 pm
Forum: Personal Investments
Topic: Traditional IRA to 401K?
Replies: 9
Views: 938

Traditional IRA to 401K?

Last month I asked why would I contribute to an after-tax 401K (linked below) and after much-appreciated advice, I now contribute to an after tax 401K account. I also set up a Roth IRA with Fidelity to take advantage of the 401K's option to roll out money while still an employee. http://www.boglehea...
by tdonline
Tue Nov 25, 2014 6:35 pm
Forum: Personal Investments
Topic: Why wouldn't I [contribute to an after-tax 401k w/ rollover]
Replies: 12
Views: 1337

Re: Why wouldn't I [contribute to an after-tax 401k w/ rollo

You may need to move the funds over to a tIRA at Fidelity and then roll that over to a Roth IRA: a two-step process instead of a one-step process. Try running that by the Fidelity rep. I don't think you can go directly from the 401K to a Roth IRA. Beth, I'm not so sure about that? I'm a little conf...
by tdonline
Tue Nov 25, 2014 6:05 pm
Forum: Personal Investments
Topic: Why wouldn't I [contribute to an after-tax 401k w/ rollover]
Replies: 12
Views: 1337

Re: Why wouldn't I [contribute to an after-tax 401k w/ rollo

Talked to a Fidelity rep about opening up a Roth IRA for the rollovers and he wasn't quite getting the point...May not be smooth sailing after all.
by tdonline
Tue Nov 25, 2014 1:11 pm
Forum: Personal Investments
Topic: Why wouldn't I [contribute to an after-tax 401k w/ rollover]
Replies: 12
Views: 1337

Re: Why wouldn't I [contribute to an after-tax 401k w/ rollo

Rob, not that young...but likely still need to work 15-20 more years. So yeah, there's time for compounding. I really the fact that I can still access my contributions to a Roth IRA--should I ever need the dough but I do not have to pay taxes on the earnings. It seems like a slam dunk over the taxab...
by tdonline
Tue Nov 25, 2014 12:46 pm
Forum: Personal Investments
Topic: Why wouldn't I [contribute to an after-tax 401k w/ rollover]
Replies: 12
Views: 1337

Why wouldn't I [contribute to an after-tax 401k w/ rollover]

My company offers after-tax 401K contributions. I have been with the company for nearly 5 months but only during the last couple of days have I really looked into the after-tax option. The basics: 1) Allowed to contribute up to 10% of after-tax income. So for me, that would come out to about $5,900 ...
by tdonline
Mon Nov 10, 2014 7:04 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Doesn't Seem Like a Great Idea
Replies: 57
Views: 10750

Re: If I could start over . . .

Unfortunately, I am locked into funds purchased long ago that I cannot sell without triggering a large capital-gain tax (which will be cancelled at my death). I'm 90. If I could start over, I would simply buy and hold The Three Fund Portfolio . Best wishes. Taylor Forgive me for prying...I do so as...
by tdonline
Mon Nov 10, 2014 3:03 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Doesn't Seem Like a Great Idea
Replies: 57
Views: 10750

Re: Tax Loss Harvesting Doesn't Seem Like a Great Idea

Taylor, is this how you keep to your 3 fund portfolio, by selling and buying the same fund after 31 days?
by tdonline
Wed Nov 05, 2014 10:22 am
Forum: Personal Investments
Topic: AA...any other crazy 80/20 folks out there?
Replies: 57
Views: 8186

Re: AA...any other crazy 80/20 folks out there?

Early 40's and I'm at 80/20 and 2 plus years of emergency funding. I've been dragging on this forever but I will sooner or later...reduce the cash a bit and invest more. No early retirement here so with 18-20 years left to work, I'm considering 90/10 for the next 5-10 years. Job security is moderate...
by tdonline
Fri Oct 17, 2014 10:36 am
Forum: Investing - Theory, News & General
Topic: Taxable investing compatible with Boglehead approach?
Replies: 9
Views: 1558

Re: Taxable investing compatible with Boglehead approach?

Climber, that sounds pretty good to me and I would be happy to go that route (though I don't quite have your investment amount...). So you don't tax loss harvest?

I want to be lazy but I don't want to leave money on the table either...
by tdonline
Fri Oct 17, 2014 9:49 am
Forum: Investing - Theory, News & General
Topic: Taxable investing compatible with Boglehead approach?
Replies: 9
Views: 1558

Taxable investing compatible with Boglehead approach?

I have been sitting on some cash for the last couple of years. I max out my tax advantaged accounts and for the first time in my life, I actually make enough money to contribute to taxable investments. I've been sitting pat partly because I know little about taxable investing. I'm down with tax adva...
by tdonline
Sat Sep 27, 2014 11:01 pm
Forum: Personal Investments
Topic: Best option for taxation optimization
Replies: 2
Views: 642

Re: Best option for taxation optimization

REITs are among the worst holdings for a taxable account, because they have high yields of mostly non-qualified dividends. The turnover isn't the main problem. Use the REIT fund in your IRA. Ok, thanks for clarifying. I just vaguely remembered that REITs weren't great for taxable account. I appreci...
by tdonline
Sat Sep 27, 2014 11:05 am
Forum: Personal Investments
Topic: Best option for taxation optimization
Replies: 2
Views: 642

Best option for taxation optimization

I'm doing a little rejiggering of my retirement accounts. Currently all my IRA (traditional and Roth) accounts are with Vanguard bond index funds. My 401K plan is made up of all US, international and REIT indexes. All my investments are indexes...actually soon will be as I will roll over my TIAA Cre...
by tdonline
Tue Oct 08, 2013 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Paystub taxes
Replies: 6
Views: 975

Re: Paystub taxes

Archbishop,

I do no qualify for a HSA but I do contribute a small amount to a FSA.
by tdonline
Tue Oct 08, 2013 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Paystub taxes
Replies: 6
Views: 975

Re: Paystub taxes

BL, I ran the numbers on my pre-401K deduction gross total and they do come out to approximately 1.4% and 6.2%. Gross 1,583 Fed Withholdng 140 8.8% Fed MED/EE 47 3.0% Fed OASDI/EE 202 12.8% MD Withholdng 110 6.9% Total 499 31.5% I cut down my federal taxes so that's nice...I was just surprised by th...
by tdonline
Tue Oct 08, 2013 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Paystub taxes
Replies: 6
Views: 975

Re: Paystub taxes

Thanks Ketawa. I suspected FICA might be the culprit. So I am paying FICA taxes based on my total gross pay before all deductions.
by tdonline
Tue Oct 08, 2013 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Paystub taxes
Replies: 6
Views: 975

Paystub taxes

I finally signed up for my company's 401K and today’s paycheck is the first to see the deduction. To make up for not using the 401K for the first 9 months, I am maxing out at 50% of my remaining paychecks (company won’t allow more than 50%). I was looking forward to a lower tax rate for this paychec...
by tdonline
Wed Sep 18, 2013 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: I spend 6.1% of my Gross income on rent
Replies: 80
Views: 13430

Re: I spend 6.1% of my Gross income on rent

Transportation is a huge factor that a lot of people leave out. http://htaindex.cnt.org/ Agreed. I've heard that Los Angeles is a particularly expensive place to live, because after people spend 20%+ of their gross income on rent, they still need to spend another ~10%+ on owning and maintaining a c...
by tdonline
Wed Sep 18, 2013 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Trust and will for my mom
Replies: 16
Views: 1769

Re: Trust and will for my mom

Thanks bsteiner. That Vanguard trust option may well be a good option then.
by tdonline
Wed Sep 18, 2013 3:06 pm
Forum: Personal Investments
Topic: The market is on fire
Replies: 134
Views: 17768

Re: The market is on fire

I have 20K to invest in equity...should I wait for prices to drop a bit? I know that timing isn't recommended, but not even for a just a bit to see if things cool down a teeny bit?
by tdonline
Tue Sep 17, 2013 11:10 am
Forum: Personal Finance (Not Investing)
Topic: I spend 6.1% of my Gross income on rent
Replies: 80
Views: 13430

Re: I spend 6.1% of my Gross income on rent

If you want to really win the internet, you have to include transportation costs. I rent and it's just under 19% of gross income. I do live in a super convenient and safe area so I haven't had a car in 9 years. Transportation is a huge factor that a lot of people leave out. http://htaindex.cnt.org/...