Search found 76423 matches

by livesoft
Thu Jul 29, 2021 12:14 pm
Forum: Investing - Theory, News & General
Topic: Are these wash sales?
Replies: 10
Views: 333

Re: Are these wash sales?

I would not consider them wash sales myself. Also you did not state that you would be selling shares at a loss anyways. One of them FSGGX is at a loss. Is it still not a wash sale? While FSGGX is substantially similar to VXUS, I would not consider FSGGX substantially identical to VXUS. A quick look...
by livesoft
Thu Jul 29, 2021 11:00 am
Forum: Investing - Theory, News & General
Topic: Are these wash sales?
Replies: 10
Views: 333

Re: Are these wash sales?

I would not consider them wash sales myself.

Also you did not state that you would be selling shares at a loss anyways.
by livesoft
Thu Jul 29, 2021 10:46 am
Forum: Personal Investments
Topic: Vanguard International Fund (VTIAX)
Replies: 4
Views: 450

Re: Vanguard International Fund (VTIAX)

The reason that fair value pricing was implemented is that before implementation some people would use the stale prices of international mutual funds to take advantage of other investors. That alone should answer your "Why not forget about ...?" question.
by livesoft
Thu Jul 29, 2021 10:44 am
Forum: Investing - Theory, News & General
Topic: How to understand all that's going on with GME [GameStop]
Replies: 167
Views: 18127

Re: Is Gamestop really such an important company in the US economy?

The folks who have sold their Gamestop stock at a huge profit have to put the profits back into the economy.
by livesoft
Thu Jul 29, 2021 8:48 am
Forum: Personal Investments
Topic: Taxes on Roth Conversion
Replies: 3
Views: 321

Re: Taxes on Roth Conversion

If "matter" means paying more taxes or not, then Yes, it probably does matter. One can do two different "What if?" tax returns today with each scenario and see what I mean. This is because traditional IRA withdrawals are taxed differently than both return of capital (not taxed) f...
by livesoft
Thu Jul 29, 2021 8:16 am
Forum: Personal Investments
Topic: College savings Roth IRA
Replies: 1
Views: 177

Re: College savings Roth IRA

I think the main beauty of a Roth IRA is that college may ultimately be paid from other sources and the Roth IRA assets will not be needed for that. As for what to use in the Roth IRA for an investment, I think a target date fund of index funds would be appropriate, but so would something like 100% ...
by livesoft
Thu Jul 29, 2021 8:02 am
Forum: Personal Investments
Topic: Roth Conversion Tax Question
Replies: 6
Views: 454

Re: Roth Conversion Tax Question

I get how a Roth works when you do normal contributions and when you pull out funds in retirement. I would have thought that you would just pay taxes on the cost basis when converting since that is what you would have been taxed on if you had contributed originally to a Roth rather than traditional...
by livesoft
Thu Jul 29, 2021 7:37 am
Forum: Personal Investments
Topic: Vanguard International Fund (VTIAX)
Replies: 4
Views: 450

Re: Vanguard International Fund (VTIAX)

A white paper on the subject found at vanguard.com: https://institutional.vanguard.com/iam/pdf/FVTRANSC.pdf If one uses the search term "fair value pricing", then one can find more such explanations if needed as the one above is not too detailed. Also realize that the cognate ETF of VTIAX ...
by livesoft
Thu Jul 29, 2021 7:09 am
Forum: Personal Consumer Issues
Topic: Any literature on the financial benefits of staying fit/healthy?
Replies: 34
Views: 1758

Re: Any literature on the financial benefits of staying fit/healthy?

If one dies young, then one doesn't need to save for retirement. So there are financial anti-benefits of staying fit/healthy, too.
by livesoft
Wed Jul 28, 2021 7:04 pm
Forum: Personal Investments
Topic: Reply to Relationship Manager?
Replies: 17
Views: 1391

Re: Reply to Relationship Manager?

I once answered a survey about the Wells Fargo brokerage web site that I use. I even left a comment that said something like "Call me to discuss some more detailed suggestions for making the website better for my needs at this number xxx-xxx-xxxx." I got the phone call and had a delightful...
by livesoft
Wed Jul 28, 2021 6:44 pm
Forum: Personal Investments
Topic: Reply to Relationship Manager?
Replies: 17
Views: 1391

Re: Reply to Relationship Manager?

DTalos wrote: Wed Jul 28, 2021 6:39 pmWhat kind of things would this relationship manager try to sell me?
Why not ask them? Maybe a new 0.1% AUM fee plan to invest your money in a 3-fund portfolio that does tax-loss harvesting for you?
by livesoft
Wed Jul 28, 2021 6:36 pm
Forum: Personal Investments
Topic: Reply to Relationship Manager?
Replies: 17
Views: 1391

Re: Reply to Relationship Manager?

I have answered these calls occasionally and chatted with the person on the other end. They are just doing their job. A new person comes along every so often and they had better call everyone on the list because they can then report to their supervisor that they did call everyone on their list and t...
by livesoft
Wed Jul 28, 2021 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: College Tuition - Variable vs Fixed (inflationary environment)
Replies: 7
Views: 393

Re: College Tuition - Variable vs Fixed (inflationary environment)

Point # 1 - The money invested for this will be in fixed income/as good as cash as it will be used in 2-3 years. So, how could it exceed that price increase? Well, then that's a problem, isn't it? Our money is fungible, so we just have a 60/40 overall portfolio and didn't earmark money specifically...
by livesoft
Wed Jul 28, 2021 4:54 pm
Forum: Personal Investments
Topic: question about posting for advice
Replies: 8
Views: 892

Re: question about posting for advice

Here are examples of current threads who posted using the recommended format: (your questions will obviously be different than theirs) https://www.bogleheads.org/forum/viewtopic.php?p=6143516 Nope. Total portfolio adds up to 200% and not 100%. https://www.bogleheads.org/forum/viewtopic.php?p=6144226
by livesoft
Wed Jul 28, 2021 4:09 pm
Forum: Personal Consumer Issues
Topic: [Need a product to deter chickens from being in flower beds]
Replies: 30
Views: 1142

Re: [Need a product to deter chickens from being in flower beds]

I was hoping MrBobcat was going to suggest a bobcat. I came across a bobcat the other day and there were no chickens anywhere around to be seen. Here's a photo I took of the bobcat.
by livesoft
Wed Jul 28, 2021 3:37 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value US vs International Small Cap Value
Replies: 9
Views: 861

Re: Small Cap Value US vs International Small Cap Value

So I am trying to tilt more and more away from US large caps by adding SCV, Intl, Intl SCV, and EM You and I do that at our own peril. Basically, there is no way to predict the future, so you are really on your own here. What you may find is that you will agree with folks who support your biases an...
by livesoft
Wed Jul 28, 2021 3:34 pm
Forum: Personal Consumer Issues
Topic: How much did you spend on Furniture?
Replies: 41
Views: 2308

Re: How much did you spend on Furniture?

It is not common to spend that much money on a room that most people do not use. Our living room has a weight bench, weights, a desk, a bookshelf, a piano, and a filing cabinet. I suppose all in, the cost was $4,000 with the piano being the major expense. But since this is a dream of yours, then ple...
by livesoft
Wed Jul 28, 2021 3:27 pm
Forum: Personal Investments
Topic: question about posting for advice
Replies: 8
Views: 892

Re: question about posting for advice

My traditional IRA is a mix of stocks and bonds. Should I put, for instance, VFIAX 50% stocks, 50% bonds? If your traditional IRA is 100% of your portfolio and you do not have any 401(k) nor 403(b) nor Roth IRA nor others accounts, then yes. But if your traditional IRA is only 15% of your entire po...
by livesoft
Wed Jul 28, 2021 3:00 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value US vs International Small Cap Value
Replies: 9
Views: 861

Re: Small Cap Value US vs International Small Cap Value

I came to the conclusion many years ago that I wanted a significant allocation to small caps for both US and the foreign equities, but that even so I also came to the conclusion that I will never be able to tell if it moves the performance needle or not. I have 51% of my foreign holdings in VSS and ...
by livesoft
Wed Jul 28, 2021 10:22 am
Forum: Personal Consumer Issues
Topic: Request help choosing a phone
Replies: 12
Views: 797

Re: Request help choosing a phone

Any smart phone camera might be improved with add-on lenses from Moment or one of its competitors. I use a Google Pixel 4a phone which was about $350 when I bought it. It is not a big phone like some of the flagship phones from Samsung and Apple.
by livesoft
Wed Jul 28, 2021 9:46 am
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Systems
Replies: 11
Views: 1012

Re: Tax Loss Harvesting Systems

You can only deduct 3k a year for all your accounts correct? I have been wondering if its even worth managing at all. Against ordinary income, but realized capital gains are not ordinary income. In retirement, a large fraction of our income comes from capital gains. Because of previous tax-loss har...
by livesoft
Wed Jul 28, 2021 7:59 am
Forum: Personal Consumer Issues
Topic: Men - need boxer brief recommendations
Replies: 63
Views: 5399

Re: Men - need boxer brief recommendations

OK, it has been a few days, so surely someone has acted on this advice and is now wearing some new "boxer brief" underwear. What is the actual verdict for those that followed any of the recommendations in this thread and changed their underwear? I’m wearing my new Under Armour recommendat...
by livesoft
Wed Jul 28, 2021 5:39 am
Forum: Personal Consumer Issues
Topic: Men - need boxer brief recommendations
Replies: 63
Views: 5399

Re: Men - need boxer brief recommendations

OK, it has been a few days, so surely someone has acted on this advice and is now wearing some new "boxer brief" underwear.

What is the actual verdict for those that followed any of the recommendations in this thread and changed their underwear?
by livesoft
Tue Jul 27, 2021 5:18 pm
Forum: Personal Investments
Topic: Is this a wash sale?
Replies: 3
Views: 494

Re: Is this a wash sale?

If you sell shares at a loss in all three, then buying shares of any of them in the following 30 calendar days would create a wash sale. Of course, you have possibilities such as selling shares at a loss in only 2 of them and buying more shares in the 3rd one. Maybe the third one will continue to ha...
by livesoft
Tue Jul 27, 2021 2:31 pm
Forum: Personal Consumer Issues
Topic: How to become an Adjunct Professor?
Replies: 61
Views: 4263

Re: How to become an Adjunct Professor?

1. Offer to teach for free and/or at no cost to the university.

2. Be a well-published expert in the field to be taught.

3. Have friends in the department (not just the school) who are decision makers where you want to work.
by livesoft
Tue Jul 27, 2021 1:55 pm
Forum: Investing - Theory, News & General
Topic: Sludge versus Nudge
Replies: 1
Views: 477

Sludge versus Nudge

Richard Thaler's and Cass Sunstein's book Nudge has been updated and revised. Here's an article on that which mentions "Sludge." When you read this, you will instantly know what this is. https://www.npr.org/sections/money/2021/07/27/1020966312/the-behavioral-economics-manifesto-gets-revised
by livesoft
Tue Jul 27, 2021 1:27 pm
Forum: Personal Consumer Issues
Topic: New Garmin GPS - charging issue or not?
Replies: 39
Views: 1237

Re: New Garmin GPS - charging issue or not?

Technically, it's not ALWAYS there on your phone. You get out of cell tower coverage, and your phone Maps app stops working. Garmin GPS is satellite-based and always works, even out in the middle of nowhere. But that's just a nitpick. :) Phone GPS is satellite-based by definition. With offline maps...
by livesoft
Tue Jul 27, 2021 1:19 pm
Forum: Personal Investments
Topic: Automatic recurring stock/ETF sell orders?
Replies: 11
Views: 615

Re: Automatic recurring stock/ETF sell orders?

Seems like what I am looking for is a "systematic withdrawal plan .... One could have a single mutual fund that was used for this purpose and the rest of the portfolio was ETFs. Maybe once a year manually move money from non-mutual fund assets into the mutual fund. One would still have to dete...
by livesoft
Tue Jul 27, 2021 11:00 am
Forum: Personal Investments
Topic: Solo 401k; What does this message from Fidelity mean?
Replies: 10
Views: 778

Re: Solo 401k; What does this message from Fidelity mean?

I periodically get a snail mailed document from my i401k custodian TDAmeritrade that goes something like this: As the administrator of your individual 401(k) we are informing you that your i401k plan documents have changed to reflect current law as per "the government." You do not need to ...
by livesoft
Tue Jul 27, 2021 9:38 am
Forum: Personal Consumer Issues
Topic: New Garmin GPS - charging issue or not?
Replies: 39
Views: 1237

Re: New Garmin GPS - charging issue or not?

If I had to ask Bogleheads.org, then I wouldn't consider it normal. Please take it back.
by livesoft
Tue Jul 27, 2021 7:59 am
Forum: Personal Finance (Not Investing)
Topic: 1099 deductions
Replies: 8
Views: 834

Re: 1099 deductions

Thank you for you replies. I am in the medical profession. I do spend a few hours a week keeping myself uptodate with the most recent literature in my field and these advisory board, consultancy 'gigs' pay me for this expertise. I was thinking I could write off some expenses for the hours I spend r...
by livesoft
Tue Jul 27, 2021 6:30 am
Forum: Personal Investments
Topic: How to make up for a non COLA pension?
Replies: 24
Views: 2436

Re: How to make up for a non COLA pension?

The other side of the coin is that one can simply reduce their annual expenses by the amount of inflation each year. This might be easy to do if one is spending half their non-COLA income on vacations and simply spends a lesser amount each year on vacations going forward. One can substitute the word...
by livesoft
Mon Jul 26, 2021 8:37 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Systems
Replies: 11
Views: 1012

Re: Tax Loss Harvesting Systems

I simply use my brain. I tax-loss harvested today in fact. Once one knows the rules, then things are not complicated at all. If I create a wash sale, then I am not really bothered by that either since the loss is usually only disallowed temporarily, but if not, the permanently disallowed loss will b...
by livesoft
Mon Jul 26, 2021 7:46 pm
Forum: Personal Consumer Issues
Topic: Home Printer?
Replies: 37
Views: 2303

Re: Home Printer?

charlestown1978 wrote: Mon Jul 26, 2021 7:43 pmWe have this canon and had it for a long time, it died two weeks ago.
Uh-oh, I'm in trouble now.
by livesoft
Mon Jul 26, 2021 7:35 pm
Forum: Investing - Theory, News & General
Topic: Taxable non-retirement account
Replies: 4
Views: 720

Re: Taxable non-retirement account

Unrealized capital gains are not taxed at all, so there is no need to do anything with them. That is, do not sell the shares since you don't need the money. I guess I do not quite understand what you are trying to accomplish.
by livesoft
Mon Jul 26, 2021 6:54 pm
Forum: Personal Investments
Topic: Automatic recurring stock/ETF sell orders?
Replies: 11
Views: 615

Re: Automatic recurring stock/ETF sell orders?

Perhaps just schedule a recurring meeting with your brokerage account in the calendar app on your phone?
by livesoft
Mon Jul 26, 2021 5:50 pm
Forum: Personal Consumer Issues
Topic: Sealant for Plastic Pipe
Replies: 23
Views: 1559

Re: Sealant for Plastic Pipe

https://postimg.cc/mcBTCsgx This is a picture of the white "elbow" that connects to the brass bulbous piece. There is a leak at that connection. It looks like a homemade connection where someone drilled a hole in the brass nut and glued on a small PVC elbow instead of actually putting a T...
by livesoft
Mon Jul 26, 2021 5:29 pm
Forum: Personal Investments
Topic: Vanguard customer service - Experiment with Fidelity to compare
Replies: 53
Views: 4266

Re: Vanguard customer service - Experiment with Fidelity to compare

The Patriot Act and it’s requirements were not unique to Fidelity. All customers must comply and the brokerage firm is responsible to see that the customers do comply. If your son did not comply, that’s his fault, not Fidelity. True, but for someone like the OPs minor son, I do not think the accoun...
by livesoft
Mon Jul 26, 2021 5:05 pm
Forum: Personal Consumer Issues
Topic: What do you think you waste money on?
Replies: 16
Views: 1252

Re: What do you think you waste money on?

My spouse stopped going to the gym in March 2020, but has kept paying the gym membership. Total waste of money.
by livesoft
Mon Jul 26, 2021 5:00 pm
Forum: Personal Investments
Topic: Vanguard customer service - Experiment with Fidelity to compare
Replies: 53
Views: 4266

Re: Vanguard customer service - Experiment with Fidelity to compare

One can be fooled by Fidelity. My son opened a Roth IRA at Fidelity, but after a couple of weeks, Fidelity locked it until he sent in photocopies of all that P.A.T.R.I.O.T. Act junk. So it took a while before the Roth IRA was useful.
by livesoft
Mon Jul 26, 2021 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Next steps after selling a business
Replies: 10
Views: 939

Re: Next steps after selling a business

He has until the next quarterly payment is due to forward the correct amount of money to the IRS. See an accountant to calculate this correctly. Perhaps true, but maybe FIL can qualify for a so-called "safe harbor" and not pay any penalty for paying the taxes as late as Friday April 15, 2...
by livesoft
Mon Jul 26, 2021 3:50 pm
Forum: Personal Investments
Topic: Schwab question - MF, same-day exchanges?
Replies: 27
Views: 1383

Re: Schwab question - MF, same-day exchanges?

Perhaps the issue is that the funds used are not Schwab mutual funds. Instead they are "out-of-house" Vanguard funds. I am unaware of any brokerage that allows same day exchanges of non-house funds and that includes Vanguard. Someone will set me straight if I have this wrong. (I consider A...
by livesoft
Mon Jul 26, 2021 3:23 pm
Forum: Personal Consumer Issues
Topic: Another Where to Retire Thread - Waterfront Towns?
Replies: 73
Views: 7109

Re: Another Where to Retire Thread - Waterfront Towns?

Frisco, CO on Dillon Reservoir. Not ocean. Not warm. But walk to stores.
by livesoft
Mon Jul 26, 2021 2:59 pm
Forum: Personal Investments
Topic: Sold all my stocks this morning
Replies: 23
Views: 2700

Re: Sold all my stocks this morning

I tax-loss harvested this morning. I'm disappointed that I had to do this, but I bought some AVUV with some June dividends in my taxable account and those shares have lost money. AVUV dropped further today after I sold the shares, though the day is not over.
by livesoft
Mon Jul 26, 2021 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Are Private Universities Worth It Compared to State Universities?
Replies: 190
Views: 10912

Re: Are Private Universities Worth It Compared to State Universities?

Generally, sometimes private universities are worth it and sometimes they are not. Sometimes private universities are less expensive than state universities. We had two children who earned masters degrees. One graduated from a Tier 1 state university and one graduated from a top 20 private universit...
by livesoft
Mon Jul 26, 2021 11:34 am
Forum: Personal Consumer Issues
Topic: Rock Bands/performers that Have Stood the Test of Time
Replies: 48
Views: 1855

Re: Rock Bands/performers that Have Stood the Test of Time

Talking Heads

Pink Floyd. The tribute band Brit Floyd tours regularly and is worth seeing annually.
by livesoft
Mon Jul 26, 2021 8:44 am
Forum: Personal Consumer Issues
Topic: Home Printer?
Replies: 37
Views: 2303

Re: Home Printer?

We have had the same inexpensive all-in-one printer / scanner / copier / photo printer / duplex (2=sided) color inkjet printer for years now and never had any ink problems such as dried up cartridges. I wonder if that is some thing of the past that people worried about 10 or more years ago. Our prin...
by livesoft
Sun Jul 25, 2021 4:15 pm
Forum: Personal Investments
Topic: Selling to lower or eliminate capital gains
Replies: 4
Views: 511

Re: Selling to lower or eliminate capital gains

BH Wiki article: https://www.bogleheads.org/wiki/Tax_gain_harvesting

Some folks would rather do Roth conversions though instead of tax-gain harvesting.
by livesoft
Sun Jul 25, 2021 1:04 pm
Forum: Personal Investments
Topic: Wellington and Windsor Funds
Replies: 14
Views: 1479

Re: Wellington and Windsor Funds

Who knows? Perhaps the people who have owned these funds are dying off and their heirs are putting the money elsewhere?