Search found 70890 matches

by livesoft
Tue May 26, 2020 7:51 pm
Forum: Personal Investments
Topic: TIAA Real Estate Movement
Replies: 75
Views: 4557

Re: TIAA Real Estate Movement

I moved 100% of my TREA holdings into the bond fund available in my plan: CREF Bond Market R2 (ticker QCBMPX e.r. 0.32%). It is up about 6% since I did that or about 2-years' worth of TIAA Traditional return, but in only 2 months. I think TREA is the only thing that has dropped in value in the past ...
by livesoft
Tue May 26, 2020 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Worst House on the best block?
Replies: 46
Views: 3081

Re: Worst House on the best block?

I'll give concrete examples of why one would not want the worst house on the best block. In our area it has come to light that there are geological microfaults in several great neighborhoods. When some really fancy homes started cracking, tilting, and falling apart, they figured out that these fault...
by livesoft
Tue May 26, 2020 6:25 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1406
Views: 189882

Re: Post your Financial Milestone Announcements Here

Last night the 25-year-old clothes washer would not drain the water. So I taught my son a financial milestone that cost $35 plus tax: How to go to youtube, search on symptoms, watch videos, diagnose the problem, siphon out the undrained water, google "appliance parts", call the parts place today, pa...
by livesoft
Tue May 26, 2020 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Large Canceled Check - Stop payment + Close Account
Replies: 12
Views: 998

Re: Large Canceled Check - Stop payment + Close Account

Goal33 wrote:
Tue May 26, 2020 5:07 pm
livesoft wrote:
Tue May 26, 2020 5:05 pm
What are the chances that the check comes back to you?
No idea. It's been 2 weeks
I guess I wanted to know if you have ANY information at all about the address that it was mailed to and whether you could call them up and see if they got the check and what they might have done with it.
by livesoft
Tue May 26, 2020 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Large Canceled Check - Stop payment + Close Account
Replies: 12
Views: 998

Re: Large Canceled Check - Stop payment + Close Account

What are the chances that the check comes back to you?
by livesoft
Tue May 26, 2020 4:43 pm
Forum: Investing - Theory, News & General
Topic: How to avoid tinkering?
Replies: 22
Views: 936

Re: How to avoid tinkering?

I say tinker all you want. Just keep a diary for everything you do and compare to a benchmark. If you buy/sell something, then put in the diary what you expect to happen and also what would cause you to sell/buy it. Please do this starting now because with a low portfolio value, the consequences wil...
by livesoft
Tue May 26, 2020 1:33 pm
Forum: Personal Consumer Issues
Topic: Should I pay $1,600 for this lawn care fix?
Replies: 45
Views: 4410

Re: Should I pay $1,600 for this lawn care fix?

A telling photo or two or three might do wonders in helping improves the responses from the Peanut Gallery.
by livesoft
Tue May 26, 2020 1:29 pm
Forum: Investing - Theory, News & General
Topic: Anybody do any GOOD timing the market?
Replies: 72
Views: 3370

Re: Anybody do any GOOD timing the market?

And my point is that little market timing moves of just moving 5% of the total portfolio around are like moving the deck chairs on the Titanic. When they work out well, then they certainly make one feel good. And if you chain several 5% moves in a row, then maybe something good will come from it. Bu...
by livesoft
Tue May 26, 2020 9:18 am
Forum: Personal Investments
Topic: Vanguard target date funds outperforming VT/VTWAX - Why?
Replies: 11
Views: 713

Re: Vanguard target date funds outperforming VT/VTWAX - Why?

Because bonds do better than stocks when stocks drop and lose value.

Are you asking why stocks drop and lose value?
by livesoft
Tue May 26, 2020 3:30 am
Forum: Investing - Theory, News & General
Topic: Anybody do any GOOD timing the market?
Replies: 72
Views: 3370

Re: Anybody do any GOOD timing the market?

The math shows that one doesn't gain much from timing the market in most instances. Suppose the portfolio is 60/40 and one decides to move 10% of the portfolio to change to 70/30. That is, one would have to exchange 25% of one's fixed income into equities. That's already a big deal, but let's say it...
by livesoft
Mon May 25, 2020 10:49 pm
Forum: Personal Investments
Topic: Too many tax lots to keep up with? Efficiency?
Replies: 10
Views: 744

Re: Too many tax lots to keep up with? Efficiency?

TLH generally helps to simplify tax lots. While it may be psychologically and emotionally "nice" to have a few lots, studies have shown that having hundreds of lots doesn't matter since one's brokerage company will keep track for you.
by livesoft
Mon May 25, 2020 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: How to document and reconcile carry forward losses used to offset income with brokerage?
Replies: 6
Views: 356

Re: How to document and reconcile carry forward losses used to offset income with brokerage?

One doesn't do this "reconciling" in one's brokerage account. One uses tax forms to do this as already noted by CyberBob.
by livesoft
Mon May 25, 2020 5:02 pm
Forum: Personal Investments
Topic: Taxable account has higher returns?
Replies: 16
Views: 1147

Re: Taxable account has higher returns?

The math is that $120,000 per year is more than $25,500, so you got that right.

If one invests tax-efficiently, then the taxes will not be that bad as well. Roth IRA will be more tax-efficient, but so what?
by livesoft
Mon May 25, 2020 7:38 am
Forum: Investing - Theory, News & General
Topic: any easy way to adjust cost basis in eTrade?
Replies: 4
Views: 383

Re: any easy way to adjust cost basis in eTrade?

So 3 monthes later all the cost basis numbers from WellsFargo were transferred to eTrade. Every single one. Now eTrade matches up exactly with what I have in Quicken. I was surprised the cost basis info would transfer over but it was nice that it did. I missed this the first time around. Transfers ...
by livesoft
Sun May 24, 2020 8:47 pm
Forum: Personal Investments
Topic: TIAA Real Estate Movement
Replies: 75
Views: 4557

Re: TIAA Real Estate Movement

FWIW, I will be out of TIAA Real Estate this evening. What do you think about moving from TREA to 50/50 S&P 500 and TIAA Traditional (illiquid)? Might sell 90% and keep 10% in TREA in case it closes to new investors? I'm agnostic about that move. I think you are adding more risk though. I've always...
by livesoft
Sun May 24, 2020 2:24 pm
Forum: Personal Investments
Topic: Has anyone ever used their Emergency Fund?
Replies: 87
Views: 6732

Re: Has anyone ever used their Emergency Fund?

A lot of these responses talk about accessing cash when just as easily one could access mutual fund or ETF shares: Simply sell some shares and transfer the cash. For instance, when waiting for an insurance check, one can get cash from a Total Stock Market Index fund in a couple of days.
by livesoft
Sun May 24, 2020 1:40 pm
Forum: Personal Investments
Topic: Cash out small investment?
Replies: 3
Views: 262

Re: Cash out small investment?

I had my spouse transfer something like that into her IRA:
viewtopic.php?t=259113
by livesoft
Sun May 24, 2020 10:40 am
Forum: Investing - Theory, News & General
Topic: investment performance is not cut & dry
Replies: 2
Views: 253

Re: investment performance is not cut & dry

Yes, investment performance is not cut and dry. Here are the YTD performances of 3 mutual funds that might be considered benchmarks for a 60/40 portfolio, that is 60% equities and 40% bonds: -2.60% VBIAX Vanguard Balanced Index -5.65% VSMGX Vanguard LifeStrategy Moderate Growth -8.24% DGSIX DFA Glob...
by livesoft
Sun May 24, 2020 9:39 am
Forum: Investing - Theory, News & General
Topic: Sell a Bond ETF before or after ex-div date?
Replies: 6
Views: 343

Re: Sell a Bond ETF before or after ex-div date?

I want to point out that there may not be a capital gain: There may be a short or long-term loss that is realized when the bond fund is sold. Also the expected price sold at could be a gain the afternoon before the ex-dividend date and a loss the next morning after the drop in price from going ex-di...
by livesoft
Sun May 24, 2020 9:31 am
Forum: Investing - Theory, News & General
Topic: Sell a Bond ETF before or after ex-div date?
Replies: 6
Views: 343

Re: Sell a Bond ETF before or after ex-div date?

Is this in a taxable account? Or in a tax-advantaged account? I don't have any bond funds in my taxable account and don't recommend that for most people ... that's why I am asking. OTOH, you could just as easily have asked, Sell Equity ETF before or after ex-div date? Since bond ETFs generally paid ...
by livesoft
Sun May 24, 2020 9:21 am
Forum: Personal Consumer Issues
Topic: How to grow food indoors
Replies: 3
Views: 310

Re: How to grow food indoors

One needs a tremendous amount of light. I'm sure you have heard of grow lamps and all the power consumed by indoor marijuana farms. Also aquariums used a lot of juice for lighting. But technology has changed somewhat and now LED lighting is used. Still one needs a lot of light. Blinding light in fac...
by livesoft
Sat May 23, 2020 1:48 pm
Forum: Personal Investments
Topic: Ameriprise vs Vanguard PAS vs Three fund approach
Replies: 13
Views: 691

Re: Ameriprise vs Vanguard PAS vs Three fund approach

The OP has already passed the biggest hurdle to investing: Registering at bogleheads.org and starting a thread.
by livesoft
Sat May 23, 2020 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Designing a Better Life At Age 40
Replies: 15
Views: 2628

Re: Designing a Better Life At Age 40

Does your spouse work, or if not working, want to work?

In my late 30's I moved from a stressful job in a HCOL area to a less stressful job with higher pay in a LCOL area. I would say the grass was different, but not necessarily greener. Everything got better. Yes, I would make the change again.
by livesoft
Sat May 23, 2020 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 45
Views: 4711

Re: Something Fishy Here?? [CARES payment received via prepaid Visa]

The cards, issued by MetaBank, will be sent to people who did not provide the IRS with banking information and whose tax return was processed by the IRS centers in Austin, Texas, or Andover Massachusetts. https://www.businessinsider.com/personal-finance/stimulus-check-eip-prepaid-debit-card-questio...
by livesoft
Sat May 23, 2020 10:54 am
Forum: Personal Consumer Issues
Topic: Subaru Outback vs deer
Replies: 21
Views: 1818

Re: Subaru Outback vs deer

As noted Paintless Dent Repair may do wonders. The local Subaru dealer has a PDR guy and they charge reasonable prices, but I imagine that these PDR folks serve a number of collision repair places. The work that I have had done has been inexpensive (under $100 each time) and one cannot tell there we...
by livesoft
Sat May 23, 2020 10:35 am
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 118
Views: 9163

Re: Personal spending out of control after Covid-19

Going to a Crepe Myrtle is an interesting choice as that tree is super super super messy.

I have found that I am spending less. I no longer buy ice cream, nor chips, nor other salty snacks.
by livesoft
Sat May 23, 2020 10:22 am
Forum: Investing - Theory, News & General
Topic: TIAA warns on negative yields on money market funds
Replies: 71
Views: 4755

Re: TIAA warns on negative yields on money market funds

TIAA needs to put a warning on their TIAA Real Estate Account as well.
by livesoft
Sat May 23, 2020 10:17 am
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 550
Views: 144269

Re: Pull-ups and Push-ups

Done.
by livesoft
Sat May 23, 2020 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 45
Views: 4711

Re: Something Fishy Here?? [CARES payment received via prepaid Visa]

Even the federal government doesn’t use checks anymore. Many people in the US are bank-less and typically only use cash. Debit cards like this are something useful to them. For folks with checking accounts and credit cards, these debit cards don't make much sense. How the US Treasury decided who wo...
by livesoft
Sat May 23, 2020 7:27 am
Forum: Personal Consumer Issues
Topic: 2018-19 SUVs
Replies: 9
Views: 782

Re: 2018-19 SUVs

I have bought used Lexus RXs from the dealer with 0%-interest loans. I found that Carmax had listed prices that were more expensive than I could get from CPO Lexus at a dealer after I negotiated. And when you say under $30,000 does that mean including taxes because that will make an 8.5% difference ...
by livesoft
Fri May 22, 2020 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Financial advice for undertaking a PhD
Replies: 47
Views: 2761

Re: Financial advice for undertaking a PhD

Financial advice will depend upon what the PhD subject matter is. For instance, no graduate student in a science like chemistry, physics, biochemistry, molecular biology, and others would (or should!) ever pay to get a PhD. Instead, the university would pay them. Maybe not a lot, but enough to survi...
by livesoft
Fri May 22, 2020 6:00 pm
Forum: Personal Investments
Topic: Has anyone ever used their Emergency Fund?
Replies: 87
Views: 6732

Re: Has anyone ever used their Emergency Fund?

Here is a past poll that you may find interesting:
viewtopic.php?t=35769
by livesoft
Fri May 22, 2020 4:19 pm
Forum: Personal Consumer Issues
Topic: Should I pay $1,600 for this lawn care fix?
Replies: 45
Views: 4410

Re: Should I pay $1,600 for this lawn care fix?

I'd create a 5-year plan for myself that would eventually create a level yard. My plan my cost my almost nothing. I'd spend the $1600 on something else.
by livesoft
Fri May 22, 2020 3:53 pm
Forum: Investing - Theory, News & General
Topic: Another couple of TLH wash sale questions -- sorry!
Replies: 17
Views: 820

Re: Another couple of TLH wash sale questions -- sorry!

All the loss. There is no net wash sale here.
by livesoft
Fri May 22, 2020 3:44 pm
Forum: Personal Investments
Topic: TIAA traditional vs. Vanguard Total Market Bond index
Replies: 51
Views: 2565

Re: TIAA traditional vs. Vanguard Total Market Bond index

Back in March, I switched some and my newly acquired bond fund shares are up more than 5% while the TIAA TA is up about 0.3%. Let's just say that I enjoy 5% more than I enjoy 0.3%. Wow, that is just about the worst analysis imaginable from a long-time poster. You could have bought stocks in mid-Mar...
by livesoft
Fri May 22, 2020 3:00 pm
Forum: Personal Investments
Topic: How to invest Inherited IRA
Replies: 12
Views: 588

Re: How to invest Inherited IRA

It should just be invested according to the Asset Allocation plan of the rest of your portfolio There is nothing special about inherited money like this.
by livesoft
Fri May 22, 2020 2:02 pm
Forum: Investing - Theory, News & General
Topic: Another couple of TLH wash sale questions -- sorry!
Replies: 17
Views: 820

Re: Another couple of TLH wash sale questions -- sorry!

Others covered the descriptions of wash sales, maybe I can provide an example. Uh-oh, because that example is not quite right because if the original 1000 shares were all bought in the same transaction, it is different. See https://fairmark.com/investment-taxation/capital-gain/wash/wash-sales-and-r...
by livesoft
Fri May 22, 2020 1:45 pm
Forum: Investing - Theory, News & General
Topic: Taxable Account - a Swiss Army Knife for Savers
Replies: 33
Views: 4634

Re: Taxable Account - a Swiss Army Knife for Savers

SantaClaraSurfer wrote:
Fri May 22, 2020 1:32 pm
However, I now see that the advantage of the liquidity as being worth much, much more than even the returns in practice. I'd go for the taxable account and rent an Air Bn'b.
And you wouldn't even attempt to pay off a home mortgage any earlier than necessary. :)
by livesoft
Fri May 22, 2020 1:42 pm
Forum: Personal Investments
Topic: Inherited Edward Jones Account: Transfer to Vanguard?
Replies: 12
Views: 661

Re: Inherited Edward Jones Account: Transfer to Vanguard?

Thanks for the prompt feedback. Any thoughts about moving the money to a donor advised fund? I have increased my giving in light of recent events, but don't have a DAF. If a DAF is recommended, is Vanguard a good choice? Use other assets to contribute to a DAF if you can. Best are taxable account i...
by livesoft
Fri May 22, 2020 12:23 pm
Forum: Personal Consumer Issues
Topic: Bicycle Recommendation?
Replies: 34
Views: 2508

Re: Bicycle Recommendation?

Diamondback? We had one of those and it was totally superb for running around town ... until it was stolen. I would not see any reason to replace bikes that are only 10 years young unless they were stolen or perhaps backed over by car. What happened to them? If you still have them, are you selling t...
by livesoft
Fri May 22, 2020 10:51 am
Forum: Personal Consumer Issues
Topic: COVID - 19 things to do
Replies: 51
Views: 4119

Re: COVID - 19 things to do

Wishskates wrote:
Fri May 22, 2020 10:48 am
It was one of the most amazing experiences of my life, seriously.
Skunk families will do the same. :) (Also saw a fox twice this week. I do know where the den is, too, but haven't seen kits yet this year.)
by livesoft
Fri May 22, 2020 10:49 am
Forum: Investing - Theory, News & General
Topic: Another couple of TLH wash sale questions -- sorry!
Replies: 17
Views: 820

Re: Another couple of TLH wash sale questions -- sorry!

I think you really really really need to create a wash sale to ease your mind and see what happens. So yes, leave out selling the shares purchased with a dividend at first, then sell them the next day. I think I could explain all this until I am blue in the face, but until you do it, you won't get it.
by livesoft
Fri May 22, 2020 9:45 am
Forum: Investing - Theory, News & General
Topic: Another couple of TLH wash sale questions -- sorry!
Replies: 17
Views: 820

Re: Another couple of TLH wash sale questions -- sorry!

1. Neither. The disallowed loss is the on the same number of shares purchased. This is explicitly described in IRS Publication 550. And the shares with the disallowed loss are the first affected shares by purchase date. The disallowed loss gets applied to the shares that created the wash sale. 2. Ye...
by livesoft
Fri May 22, 2020 9:10 am
Forum: Personal Investments
Topic: Cost Basis Question
Replies: 4
Views: 297

Re: Cost Basis Question

I guess this is with Vanguard. When the change takes affect, I think you will see what is what and that will answer all your questions. Be patient, then take a look at your account cost basis lots.
by livesoft
Fri May 22, 2020 7:23 am
Forum: Investing - Theory, News & General
Topic: Taxable Account - a Swiss Army Knife for Savers
Replies: 33
Views: 4634

Re: Taxable Account - a Swiss Army Knife for Savers

We have contributed the maximums allowed to all 401(k), 403(b), traditional IRAs, Roth IRAs, and HSAs throughout our lifetimes. I think this idea of RMDs being a tax poor-teedo applies only to those who were not wise enough to retire earlier and start using that money for Roth conversion or living t...
by livesoft
Thu May 21, 2020 8:43 pm
Forum: Investing - Theory, News & General
Topic: Help me understand tax on mutual fund
Replies: 7
Views: 465

Re: Help me understand tax on mutual fund

With free trades, I could buy one share of VTI every other day and sell it the next day. I could also sell/buy ITOT. So I would be buying a total stock market index fund share every day and selling one every day. I could do this in an IRA, so no tax consequences. I could do this without violating an...
by livesoft
Thu May 21, 2020 8:37 pm
Forum: Investing - Theory, News & General
Topic: Help me understand tax on mutual fund
Replies: 7
Views: 465

Re: Help me understand tax on mutual fund

I have some friends who do talk about their investing escapades. It actually is a lot of fun to listen to because a little probing tells the rest of the story. For instance, a friend was using limit orders with TSLA and selling / buying at all these great prices. Upon further inquiry they were just ...
by livesoft
Thu May 21, 2020 5:35 pm
Forum: Personal Investments
Topic: What will the effect be on VBTLX after $6T Fed & gov stimulus?
Replies: 8
Views: 888

Re: What will the effect be on VBTLX after $6T Fed & gov stimulus?

I have a lot of VBTLX and I can write that I have absolutely no idea what the effect will be and can confidently state that no one else does either.

I can state that in the past week, some intraday prices of bond ETFs have been up 1%.