Search found 56887 matches

by livesoft
Wed Dec 13, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable vs. Tax Deferred - not much difference?
Replies: 24
Views: 560

Re: Taxable vs. Tax Deferred - not much difference?

I certainly don't believe everything my friends tell me. And I don't believe everything bogleheads tell me.

How about you? Did you do the math correctly yourself? Can you show us? Don't forget to include taxes in the results, too.
by livesoft
Wed Dec 13, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale and IRAs
Replies: 3
Views: 111

Re: Wash Sale and IRAs

I agree. This is not a meaningful wash sale. You have no deductible loss on your tax return.
by livesoft
Tue Dec 12, 2017 6:30 pm
Forum: Investing - Theory, News & General
Topic: Does any indicator not predict a 2000/2007'ish crash?
Replies: 47
Views: 2207

Re: Does any indicator not predict a 2000/2007'ish crash?

There are not enough "Why not 100% stocks?" threads on bogleheads.org, too.

I haven't even seen a "Why not 100% BTC?" thread yet either.
by livesoft
Tue Dec 12, 2017 6:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard year end distributions - updated estimates
Replies: 47
Views: 4977

Re: Vanguard year end distributions - updated estimates

Really annoying they don't list them by ticker code. Like people remember the full name of their funds. You clicked on the wrong link. For instance, here is the link for ETFs: https://personal.vanguard.com/pdf/YEETF_122017.pdf It is true that Vanguard does not go out of their way to make the link o...
by livesoft
Tue Dec 12, 2017 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: One rollover per 12 months or calendar year per IRS rules?
Replies: 8
Views: 416

Re: One rollover per 12 months or calendar year per IRS rules?

Yes, if they are FBO even if the check comes to your door first.

"... are not limited." is found right at the top of your link.
by livesoft
Tue Dec 12, 2017 5:05 pm
Forum: Investing - Theory, News & General
Topic: Does any indicator not predict a 2000/2007'ish crash?
Replies: 47
Views: 2207

Re: Does any indicator not predict a 2000/2007'ish crash?

Here is something that does not predict a crash: Jobs. Jobs. And more Jobs. Unemployment quite low and companies cannot find good employees. Why are you ignoring that?
by livesoft
Tue Dec 12, 2017 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: how to glean ETF information
Replies: 4
Views: 240

Re: how to glean ETF information

I actually did not understand the original post at all, so I suspect that if they called some kind of 800-number that the person on the other end did not understand what they were trying to achieve. What is data? What is a prototype? Who is your brokerage or financial institution? "When I look at a ...
by livesoft
Tue Dec 12, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: How to report property tax
Replies: 6
Views: 312

Re: How to report property tax

I pay my property taxes directly to the local authorities. They send me a bill. I send them a check. The IRS is not involved at all. I put the amounts I paid on my Schedule A. So it is just like any other tax deductible item (charitable donation): I have a cancelled check and a receipt.
by livesoft
Tue Dec 12, 2017 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Liquidating Taxable Account to Fund Roth IRA?
Replies: 3
Views: 340

Re: Liquidating Taxable Account to Fund Roth IRA?

You should sell your taxable account shares that have short-term losses before the end of the year regardless of what you do with the money for the tax deduction AND clearing out losers every year. If you sell for a loss, do not buy the same shares in your Roth within 30 days (wait 31 days). You can...
by livesoft
Tue Dec 12, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring Appreciated Securities to a Charity
Replies: 4
Views: 194

Re: Transferring Appreciated Securities to a Charity

No, one does not need to use a DAF for this. But the 2nd thing you wrote about is not done either. One can give the shares to the charity and they will put the shares in their already existing brokerage account. If they don't have an already existing brokerage account, then the charity has to create...
by livesoft
Tue Dec 12, 2017 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard voyager client service
Replies: 4
Views: 422

Re: Vanguard voyager client service

I don't think there is really such a thing as Vanguard Voyager Client Service. One can always pay extra for Vanguard Personal Advisor Services (PAS). If one searches the bogleheads.org forum, then one can find more information about this, but I would first read what vanguard.com says. My impression ...
by livesoft
Tue Dec 12, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Concert Decision and Advice
Replies: 36
Views: 1586

Re: Concert Decision and Advice

Just do it. We will tell you later whether it was worth it or not. :) I've flown to another city, got picked up at airport, driven to restaurant near concert venue, ate, attended concert, slept at hotel near concert venue, then driven to airport. Back home in less than 24 hours. It was FANTASTIC! No...
by livesoft
Tue Dec 12, 2017 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Quantity of places to hold assets
Replies: 8
Views: 526

Re: Quantity of places to hold assets

We hold our assets at several places. I don't think the main reason is for safety. For us, different places have different features that we like and make use of. Also, we can get around any restrictions imposed by the financial institution. For example, if Vanguard tells me I cannot buy back into a ...
by livesoft
Tue Dec 12, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Microwave - Reliable built-in with vent?
Replies: 11
Views: 614

Re: Microwave - Reliable built-in with vent?

We have to buy a new microwave as ours is 24 years old. It is still working though it has rusted on the inside. I was pricing these things recently and they are all about the same. Any old cheap countertop unit will work probably forever. I need to get one to fit the cabinet that the old one is buil...
by livesoft
Tue Dec 12, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: Purchasing Airline Tickets
Replies: 31
Views: 2239

Re: Purchasing Airline Tickets

Clear your browser cache/cookies and use a different browser every time you look. Also a different computer. "They" are keeping track of you keeping track, too.
by livesoft
Tue Dec 12, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 101
Views: 8402

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

And for those of you who have pointed out that our moves might be hard on our daughter, thank you but I think that should be obvious. I will say that's your confirmation bias then. As I noted my parents (and their kids) moved a lot when the kids were growing up. I did not consider it hard on my sib...
by livesoft
Tue Dec 12, 2017 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to live on one income?
Replies: 65
Views: 4759

Re: Can we afford to live on one income?

Aren't you a corporate accountant? I thought accountants were supposed to figure out these things easily.

The extra $1 will be taxed at 15%, 25%, or 30% depending on other things on your tax return.
by livesoft
Tue Dec 12, 2017 7:36 am
Forum: Personal Consumer Issues
Topic: NBA Tickets
Replies: 24
Views: 1260

Re: NBA Tickets

Like any purchase, find multiple places that sell what you want and compare prices. We do that for NBA and NFL tickets.
by livesoft
Tue Dec 12, 2017 12:45 am
Forum: Personal Consumer Issues
Topic: Best Touch Screen Set-Up (mouse problems)
Replies: 3
Views: 249

Re: Best Touch Screen Set-Up (mouse problems)

HP Spectre laptop can have a touchscreen, trackpad, and mouse all at the same time. One should configure the trackpad so dragging your finger from far-left to far-right makes the cursor go completely across the screen and not just halfway. Halfway might be closer to the default setup, so don't use t...
by livesoft
Mon Dec 11, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: States with tax-friendly policies for dividends/LTCG
Replies: 6
Views: 782

Re: States with tax-friendly policies for dividends/LTCG

TX is pretty friendly for div and capital gains: state tax is always 0%.
by livesoft
Mon Dec 11, 2017 7:00 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Don’t Write Off Value
Replies: 18
Views: 2191

Re: Larry Swedroe: Don’t Write Off Value

It is unfair to invoke Warren Buffett since he has (using words of Statman): "exclusively and narrowly available information" that the retail investor does not have. He also has the "widely available information" that all of us have.
by livesoft
Mon Dec 11, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Kerosene Heater (for power-out emergencies)
Replies: 33
Views: 1547

Re: Kerosene Heater (for power-out emergencies)

iamlucky13 wrote:
Mon Dec 11, 2017 1:14 pm
..., and plug the fridge in to keep your food good if the outage turns out to be long.
:) We always just put our food out on the balcony to keep it cold.

That's another benefit of snow camping: Frozen steaks can keep all week in your pack.
by livesoft
Mon Dec 11, 2017 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover options
Replies: 14
Views: 470

Re: Rollover options

If you need an allocation to bond funds, then I think it is better to have it in a tax-deferred account than in a Roth IRA or taxable account. So if your rollover IRA is a tax-deferred account, then putting your bond fund allocation in there is a good idea.
by livesoft
Mon Dec 11, 2017 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: No transaction fee for Vanguard ETFs?
Replies: 21
Views: 1236

Re: No transaction fee for Vanguard ETFs?

. On a $3,000 investment saving 0.10% in expense ratio amounts to just $3 per year. This makes me wonder why Vanguard even bothers having the "investor" share class. They should have only the Admiral share class for everybody because of the all the costs to run 2 different share classes (more web p...
by livesoft
Mon Dec 11, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Work bonus Tax question
Replies: 5
Views: 435

Re: Work bonus Tax question

I am not sure what you mean by "taxed" because there can be many things withheld from a paycheck. For instance, my spouse's bonus checks has 401(k) contributions withheld along with FICA, medicare, and income taxes. Since her normal 401(k) contribution is usually more than the bonus check, sometimes...
by livesoft
Mon Dec 11, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: ? about work bonuses.
Replies: 6
Views: 676

Re: ? about work bonuses.

Of course the owner doesn't see it as an issue since they are paying 9% when they promised 10%.
by livesoft
Mon Dec 11, 2017 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: How much international before exceeding $300 foreign tax credit
Replies: 6
Views: 518

Re: How much international before exceeding $300 foreign tax credit

There is not much problem exceeding the $300 FTC for a single person. It just means that the taxpayer has to fill out Form 1116 to claim the credit. With all the tax help one gets here on bogleheads.org, that isn't a problem anymore.
by livesoft
Mon Dec 11, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: How much international before exceeding $300 foreign tax credit
Replies: 6
Views: 518

Re: How much international before exceeding $300 foreign tax credit

This can be calculated from information available on vanguard.com for the 2016 tax year, but not for the 2017 tax year yet.
by livesoft
Mon Dec 11, 2017 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover options
Replies: 14
Views: 470

Re: Rollover options

There is no problem with having the same fund in multiple accounts. TSM in every account is fine. Why not some small cap Index since the TSM is weighted more heavily large cap? I overweight small-caps and value, so I don't think there is anything wrong with that. But I will say that if you have to ...
by livesoft
Mon Dec 11, 2017 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: No transaction fee for Vanguard ETFs?
Replies: 21
Views: 1236

Re: No transaction fee for Vanguard ETFs?

Is there a known example of someone actually managing to buy VTI, or indeed any heavily affected ETF, during the flash crash? And were they allowed to keep their profits or were those transactions unwound along with the others? livesoft reported on this previously: https://www.bogleheads.org/forum/...
by livesoft
Mon Dec 11, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover options
Replies: 14
Views: 470

Re: Rollover options

There is no problem with having the same fund in multiple accounts. TSM in every account is fine.
by livesoft
Mon Dec 11, 2017 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: No transaction fee for Vanguard ETFs?
Replies: 21
Views: 1236

Re: No transaction fee for Vanguard ETFs?

The takeaway is to take opportunities when they appear and to buy ETFs when there is a flash crash. :twisted: So I think the chart posted by nisiprius is a very strong reason to use ETFs.
by livesoft
Mon Dec 11, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-Efficient Fund Placement
Replies: 2
Views: 263

Re: Tax-Efficient Fund Placement

I can fix this by moving existing funds in my TSP to the G bond fund (essentially VBMFX). However, this will eventually cause my TSP account to have a huge proportion in bonds. Is this ideal? Should I have all stocks in taxable and mostly/all bonds in tax-advantaged? I worry that I might be missing...
by livesoft
Mon Dec 11, 2017 1:15 pm
Forum: Investing - Theory, News & General
Topic: What mix of intermediate and short term bonds?
Replies: 45
Views: 2401

Re: What mix of intermediate and short term bonds?

That experience gave me the courage to do what I wanted to with bonds. That's because any bad consequences could be overcome by waiting, but good consequences made me feel good. Is good is a higher current portfolio value or a higher yield, indicating a higher future portfolio value? Good is avoidi...
by livesoft
Mon Dec 11, 2017 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover options
Replies: 14
Views: 470

Re: Rollover options

I didn't know you could move Roth to a traditional IRA. Hasn't that money already been taxed tho? You wouldn't move money from your Roth to a traditional IRA. You would exchange the bond fund in the Roth IRA into a Total Stock Market index fund instead. The money in the Roth IRA stays in the Roth I...
by livesoft
Mon Dec 11, 2017 1:08 pm
Forum: Investing - Theory, News & General
Topic: Small cap value vs. total market?
Replies: 34
Views: 2513

Re: Small cap value vs. total market?

I tilt to SCV and keep only 45% to 50% of my equities in large-caps. Here's what I think: SCV is not for the buy-and-hold person. One has to rebalance into SCV when it is doing terrible and out of SCV when it has done great. The swings of SCV are much more than the swings of a total market index fun...
by livesoft
Mon Dec 11, 2017 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Rollover options
Replies: 14
Views: 470

Re: Rollover options

So use the 3-fund portfolio with your rollover.

Move total bond from your Roth IRA to your rollover (traditional) IRA. Put some equities in your Roth.
by livesoft
Mon Dec 11, 2017 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Rollover options
Replies: 14
Views: 470

Re: Rollover options

Do you hate the 3-fund portfolio now?
by livesoft
Mon Dec 11, 2017 11:01 am
Forum: Investing - Theory, News & General
Topic: What mix of intermediate and short term bonds?
Replies: 45
Views: 2401

Re: What mix of intermediate and short term bonds?

Well, as long as we are dredging up old posts, here another "short-term bond?" thread where I shifted from BIV to VCSH before the 4.5% drop in BIV over the next few months: https://www.bogleheads.org/forum/viewtopic.php?p=1638192#p1638192 But intermediate-term bonds caught back up to short-term bond...
by livesoft
Mon Dec 11, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Where might be car security system "secret" button?
Replies: 17
Views: 1507

Re: Where might be car security system "secret" button?

My spouse had 1995 Camry with an after-market kill switch installed by the dealer. One day about 8 years into ownership she accidentally activated it and killed the car. I towed the car home and after awhile figured it out. The kill switch was under the parking brake pedal on the floor under the mat...
by livesoft
Mon Dec 11, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: When asset prices are not driven by earnings growth. Correction? Dip?
Replies: 8
Views: 660

Re: When asset prices are not driven by earnings growth. Correction? Dip?

I didn't get very far clicking on the link because of all the pop-ups. I suggest that no one else bother clicking there. Your post though reminded me of an old Warren Buffett quote "In the short term the market is a popularity contest; in the long term it is a weighing machine." The quote succinctly...
by livesoft
Mon Dec 11, 2017 10:18 am
Forum: Investing - Theory, News & General
Topic: What mix of intermediate and short term bonds?
Replies: 45
Views: 2401

Re: What mix of intermediate and short term bonds?

This will be a great thread to revisit in 3 years or so. Thanks for starting it! :)
by livesoft
Mon Dec 11, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Kerosene Heater (for power-out emergencies)
Replies: 33
Views: 1547

Re: Kerosene Heater (for power-out emergencies)

I have not used a kerosene heater. But I have survived without heat for long periods of time. The link you gave has some good tips. We just replaced a a non-working furnace in our house. This was the 3rd winter that we were going to not have heat from that furnace. I have been snow camping many time...
by livesoft
Mon Dec 11, 2017 6:21 am
Forum: Investing - Help with Personal Investments
Topic: When to invest in a bull market
Replies: 17
Views: 1977

Re: When to invest in a bull market

One can already calculate how much dividend income one will receive for the December distribution of most Vanguard funds including the S&P500 index fund. So if one bought $100,000 of a selected fund, one can calculate the tax hit. With all the news coming out this week, the fund might go up way more...
by livesoft
Mon Dec 11, 2017 5:19 am
Forum: Investing - Theory, News & General
Topic: So... how do I need to "further" my investing knowledge?
Replies: 15
Views: 1410

Re: So... how do I need to "further" my investing knowledge?

How is your tax knowledge? Do you understand what you can do now to minimize your taxes in 5, 15, 36 years?