Search found 62362 matches

by livesoft
Sun Oct 21, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: First RMD is due last day of year
Replies: 31
Views: 1381

Re: First RMD is due last day of year

The RMD just has to be taken during the tax year you turn 70 1/2 or up to the following April 15th for the first RMD.. But if you wait til the following year, you have to take 2 RMDs in one tax year. I would just take it any time between now and the end of the year. Your birthday does qualify for 7...
by livesoft
Sun Oct 21, 2018 12:24 am
Forum: Personal Consumer Issues
Topic: Headlamp for dog walking
Replies: 19
Views: 1073

Re: Headlamp for dog walking

Once again, there is no "Best." Do you want a USB charging headlamp or one that uses rechargeable AAA batteries? Or one that uses AA batteries? Do you want lightweight one? Do you want continuously adjustable brightness? Or just a few steps of brightness? Do you need tilt? Do you need flashing this ...
by livesoft
Sat Oct 20, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 5393

Re: Pull kids from school for vacations?

Never pulled children. In our school district with privileged wealthy parents it's a problem and school officials have rightly put their foot down.
by livesoft
Sat Oct 20, 2018 10:08 am
Forum: Investing - Theory, News & General
Topic: How do you trade ETFs exactly like mutual funds?
Replies: 44
Views: 2180

Re: How do you trade ETFs exactly like mutual funds?

So who cares when you sell and buy? The price is reflective of the accurate price at that time VTI is very liquid with high trading volumes so the bid/ ask spread is probably a cent. Usually something called Price Discovery is invoked, so the price may not be accurate all the time. In the early mor...
by livesoft
Sat Oct 20, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Met with an FA today.
Replies: 12
Views: 2467

Re: Met with an FA today.

Kenkat wrote:
Sat Oct 20, 2018 9:43 am
A multi-year guaranteed annuity functions very similarly to a CD.
Except for the early withdrawal penalties which are typically much more severe.
by livesoft
Sat Oct 20, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: How do you trade ETFs exactly like mutual funds?
Replies: 44
Views: 2180

Re: How do you trade ETFs exactly like mutual funds?

I'm surprised to see so many people trading at or near market close/open, especially when so many online resources recommend against it due to price fluctuations (including Vanguard). Vanguard staff is probably just reflecting on the fact that Vanguard.com never shows anything in real-time, so Vang...
by livesoft
Sat Oct 20, 2018 7:08 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting Vxus (total intern.) question
Replies: 6
Views: 738

Re: Tax loss harvesting Vxus (total intern.) question

am wrote:
Fri Oct 19, 2018 11:19 pm
Thanks. Does vea and vwo include small caps to the same extent as Vxus?
How would one look that up at Vanguard.com to find the answer? At Morningstar.com?
by livesoft
Fri Oct 19, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Loss, confirming how to file 1040
Replies: 9
Views: 512

Re: Capital Loss, confirming how to file 1040

How to file Form 1040 is somewhat described in this thread (with screen captures):
viewtopic.php?t=179414
by livesoft
Fri Oct 19, 2018 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Met with an FA today.
Replies: 12
Views: 2467

Re: Met with an FA today.

Looks like a new name for an old product. Then the media and everybody disses the product, which then changes its name and carries on until the name becomes notorious and needs to change again.
by livesoft
Thu Oct 18, 2018 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: TLH - mutual fund partner trios?
Replies: 11
Views: 345

Re: TLH - mutual fund partner trios?

One could figure out how to wait until 30 days have passed, too.
by livesoft
Thu Oct 18, 2018 10:16 am
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting question
Replies: 19
Views: 1499

Re: Tax loss harvesting question

Right.
by livesoft
Thu Oct 18, 2018 8:40 am
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting question
Replies: 19
Views: 1499

Re: Tax loss harvesting question

I've commented on BLUE below. Thank you so much for this other great example. I will make sure not to sell less than T+2 to avoid running into violation. While that will work to avoid into running into a free-riding violation, I think it is OK to sell in less than T+2 as I noted, but the cash cannot...
by livesoft
Wed Oct 17, 2018 6:40 pm
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting question
Replies: 19
Views: 1499

Re: Tax loss harvesting question

I TLHed the day before yesterday, and I bought my TLH partner ETF within 5 minutes of my loss sale. But since I'm using a margin account I don't need to worry about settling. I didn't have a free ride. Am I right? Correct. That is no free riding and you could have done that without having a margin ...
by livesoft
Wed Oct 17, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting question
Replies: 19
Views: 1499

Re: Tax loss harvesting question

Thank you, since this was new money (not TLH sourced purchase) I can sell it whenever there are losses and buy something else; How about if I sell this VTI at a loss, buy VV (for example) and VV loses another $600 tomorrow in one day, Can I sell VV and buy something else and then have another $600 ...
by livesoft
Wed Oct 17, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 77
Views: 4174

Re: Personal Adventure - recommendations

A good source of information about hiking and thru-hiking is YouTube.com. This year, Evan did the Appalachian Trail and he has high-quality productions of the prep work and the hiking: https://www.youtube.com/channel/UC_CbZ4MLZ4EEXYxBwkSd2Sg There are many others. I have found it better to watch vid...
by livesoft
Wed Oct 17, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: When to TLH?
Replies: 11
Views: 1182

Re: When to TLH?

bradpevans wrote:
Wed Oct 17, 2018 10:32 am
Either way, you eventually will pay gains against the now lower basis
?
... unless your LT capital gains tax rate is zero or you give your shares away to charity.
by livesoft
Tue Oct 16, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting: Long term vs. short term losses.
Replies: 15
Views: 1578

Re: Tax loss harvesting: Long term vs. short term losses.

Well while I agree with your recommendations (assuming no transaction costs), I have a small quibble with your language. Not to nitpick (especially you) but "always" is a rather strong word. No worries, I don't mind at all. Sometimes I write something just to get someone to comment and your comment...
by livesoft
Tue Oct 16, 2018 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting: Long term vs. short term losses.
Replies: 15
Views: 1578

Re: Tax loss harvesting: Long term vs. short term losses.

Listen everybody. A wash sale created by a purchase in taxable account is NOT illegal and is of NO MAJOR consequence. So one can sell positions purchased in the past 30 days for a loss without creating a wash sale. One just has to read the IRS Publication 550 beyond the words about the 30 days to se...
by livesoft
Tue Oct 16, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 51
Views: 5351

Re: Jury duty - already booked vacation

Follow the directions on your summons. The people employed by the courts are generally sympathetic to non-abusive and nice potential jury members.

Personal experience: Always got excused without issues.
by livesoft
Tue Oct 16, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: How much of a dip do you want before you TLH?
Replies: 27
Views: 1974

Re: How much of a dip do you want before you TLH?

I'm surprised how much talk there is of TLH after a 9 year bull market. I am not surprised. There is always a subset of people who have just made a change to their portfolio or just invested a windfall. They have very short-term, recently purchased positions. And next year, there will probably be a...
by livesoft
Tue Oct 16, 2018 10:03 am
Forum: Investing - Theory, News & General
Topic: How much of a dip do you want before you TLH?
Replies: 27
Views: 1974

Re: How much of a dip do you want before you TLH?

To answer the question, I have written that the amount of loss that I TLH depends on a number of factors and not necessarily how much of a dip happens: 1. At least $300 to $500, but could be more or could be less. 2. Almost every loss before the loss becomes long-term, so any loss when a position ha...
by livesoft
Tue Oct 16, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 643
Views: 75423

Re: Picking College and College Scholarships

Additional lesson: Everyone has to learn these lessons on their own it seems.
by livesoft
Mon Oct 15, 2018 12:32 pm
Forum: Investing - Theory, News & General
Topic: Is your Taxable account crowed with "highly correlated" but not "substantially identical' funds? how else can you TLH
Replies: 15
Views: 1072

Re: Is your Taxable account crowed with "highly correlated" but not "substantially identical' funds? how else can you TL

This was the Forbes article I was referring to. I have not had a chance to see if there is any case law on the subject matter. https://www.forbes.com/sites/baldwin/2012/06/05/wash-sale-trap-what-is-substantially-identical/#78afab2f72d7 Unfortunately, this article repeats the untruth The IRS “wash s...
by livesoft
Mon Oct 15, 2018 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard changing my Admiral shares to Investor Shares
Replies: 26
Views: 4556

Re: Vanguard changing my Admiral shares to Investor Shares

Changing to fidelity will not give you Admiral Wellington in that account which seems to be what you want.

Adding $20K to a $30K amount of Wellington will get you back to Admiral Wellington shares if it is important enough to you.
by livesoft
Mon Oct 15, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Is your Taxable account crowed with "highly correlated" but not "substantially identical' funds? how else can you TLH
Replies: 15
Views: 1072

Re: Is your Taxable account crowed with "highly correlated" but not "substantially identical' funds? how else can you TL

It would be interesting to know if the Forbes article you mentioned just made up their data or if the reporter actually has some research of brokerages and 1099-Bs that show adjustments from wash sales. I suspect it is probably just some anecdotal hand waving just like what happens here on boglehead...
by livesoft
Mon Oct 15, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: Is your Taxable account crowed with "highly correlated" but not "substantially identical' funds? how else can you TLH
Replies: 15
Views: 1072

Re: Is your Taxable account crowed with "highly correlated" but not "substantially identical' funds? how else can you TL

Of course brokers report what you sell in a taxable account. That is what a 1099-B is.

Will brokers report a wash sale? I don't know for sure, but at least Vanguard will make adjustments if CUSIP are the same in the same account.
by livesoft
Mon Oct 15, 2018 4:53 am
Forum: Investing - Theory, News & General
Topic: Is your Taxable account crowed with "highly correlated" but not "substantially identical' funds? how else can you TLH
Replies: 15
Views: 1072

Re: Is your Taxable account crowed with "highly correlated" but not "substantially identical' funds? how else can you TL

Just like this: https://www.bogleheads.org/forum/viewtopic.php?t=179414 Instead of investing every 2 weeks in the same 2 funds, you could offset the purchases, so that one investment was bought on the 1st of every month and the other investment was bought on the 15th of every month. Also, there is n...
by livesoft
Sun Oct 14, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Making Winter Camping more comfortable
Replies: 39
Views: 2632

Re: Making Winter Camping more comfortable

F150HD wrote:
Sun Oct 14, 2018 8:39 am
livesoft wrote:
Sat Oct 13, 2018 7:49 pm
I am about to do about 6 weeks of winter camping....I hike in tights
I think I speak for most when I say....this requires a picture! :D
There was already a picture posted in this thread:
viewtopic.php?p=4049556#p4049556
by livesoft
Sun Oct 14, 2018 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay ZERO taxes in retirement with 6-figure expenses
Replies: 207
Views: 116332

Re: How to pay ZERO taxes in retirement with 6-figure expenses

Here is something to consider which I use: If I have a taxable account, then it produces dividends which I can spend or reinvest. If I reinvest those dividends especially in the 5 years before retirement, then those lots have not gained as much as the lots from 20 years ago. If I end up selling the ...
by livesoft
Sun Oct 14, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 3082

Re: Reducing overall medical costs. Do we do anything?

Let's keep the discussion on what people are willing to "gamble" on to help save costs. I have read discussion where people only decide to change their eating and exercise habits when they have been diagnosed with a chronic ailment. Without the lab/doctor diagnosis, they would never change. I almos...
by livesoft
Sun Oct 14, 2018 5:32 am
Forum: Personal Finance (Not Investing)
Topic: Neighbor discussing finances with me
Replies: 64
Views: 5925

Re: Neighbor discussing finances with me

Could be a stable value fund? It could also be a fixed income annuity or other annuity. When someone tells me something unexpected and likely not true, I usually find out they misunderstood what was said to them. BTW, I talk to my friends, family, and neighbors all the time about investing. We all ...
by livesoft
Sat Oct 13, 2018 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Employer Plan Brokerage (only?) moving from Vanguard to TD Ameritrade
Replies: 1
Views: 182

Re: Employer Plan Brokerage (only?) moving from Vanguard to TD Ameritrade

I think it is going to be tricky. My experience is helping my spouse. Her employer switched to TDAmeritrade as the 401(k) custodian. The TDAmeritrade 401(k) web site is different than the normal TDAmeritrade web site and seems to have different set of reps available to ask questions. But this is for...
by livesoft
Sat Oct 13, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Making Winter Camping more comfortable
Replies: 39
Views: 2632

Re: Making Winter Camping more comfortable

I am about to do about 6 weeks of winter camping. There are pads with R-value above 5. The REI Flash All-Season airpad has R-value 5.2. The ThermoRest NeoAir XTherm is 5.7. A good quilt or sleeping bag: Enlightened Equipment with water-resistant/proof down. I have a 10 deg quilt. My pad goes INSIDE ...
by livesoft
Sat Oct 13, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: Suit for Teenager
Replies: 18
Views: 1188

Re: Suit for Teenager

Thrift shops
by livesoft
Sat Oct 13, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: DGS: Own it? Opinions on it? [WisdomTree Emerging Mkts SmallCap Dividend]
Replies: 25
Views: 1695

Re: DGS: Own it? Opinions on it?

sillysaver wrote:
Sat Oct 13, 2018 8:16 am
livesoft wrote:
Sat Oct 13, 2018 5:33 am
It is a free trade at 3 of my brokers.
Which ones?
WellsTrade, TDAmeritrade, and I think Vanguard
by livesoft
Sat Oct 13, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting: Long term vs. short term losses.
Replies: 15
Views: 1578

Re: Tax loss harvesting: Long term vs. short term losses.

It matters. Always harvest short-term losses before they become long-term. It is good to have short-term losses in case you need to offset short-term gains during rebalancing, selling for expenses, etc. Always harvest long-term losses which you should only have because prices are got lower than 12 m...
by livesoft
Sat Oct 13, 2018 6:50 am
Forum: Personal Consumer Issues
Topic: Drop in MPG (09 Civic)
Replies: 24
Views: 1334

Re: Drop in MPG (09 Civic)

I am not awake this morning, so my initial post was irrelevant.
by livesoft
Sat Oct 13, 2018 5:33 am
Forum: Investing - Theory, News & General
Topic: DGS: Own it? Opinions on it? [WisdomTree Emerging Mkts SmallCap Dividend]
Replies: 25
Views: 1695

Re: DGS: Own it? Opinions on it?

I own DGS and DLS. I'm not sure what you mean by opinion. DGS is the worst performer in my portfolio for 2018, but has been one of the best in past years. I like the asset niche that it fulfills, but it can be terribly volatile, though not so much this year. It is a decent ETF to use for my RBD stra...
by livesoft
Fri Oct 12, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: Census [Received form in mail]
Replies: 21
Views: 1739

Re: Census

Generally my suggestion is to search the internet first. https://www.consumeraffairs.com/news/beware-of-scammy-census-surveys-but-dont-ignore-the-real-ones-011215.html You may be the victim of a scam if someone claiming to be from the Census Bureau asks you for certain information. The Census Bureau...
by livesoft
Fri Oct 12, 2018 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Scared to Jump
Replies: 11
Views: 1425

Re: Scared to Jump

How have you filled out your tax returns in the past? Pencil and paper? Software? Had someone else do them for you? I wouldn't trust a CPA myself. We have always done our own tax returns by hand before computers, then with tax prep software. You are never too old to learn how taxes work and how to f...
by livesoft
Fri Oct 12, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: HR Block Taxcut 2017 not printing all required forms?
Replies: 4
Views: 305

Re: HR Block Taxcut 2017 not printing all required forms?

I have not seen that, but contact Customer Support and tell us what they say.
by livesoft
Fri Oct 12, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 2823

Re: Pacific Northwest trip

Texasdiver covered a lot of ground for you. ... I flew to Portland with a bicycle, ditched the box, rode my bike up the Columbia River Gorge to Hood River, then up around Mt Hood, back north to Mt Adams, Mt St Helens, Mt Rainier, then into Seattle and flew home out of Sea-Tac. So one doesn't need a...
by livesoft
Fri Oct 12, 2018 1:36 pm
Forum: Investing - Theory, News & General
Topic: Psychological vs. Real Risk
Replies: 21
Views: 1508

Re: Psychological vs. Real Risk

1. I don't think so. Almost every time someone loses big money, they worry a little bit or at least get a little bit uncomfortable. So if they set their AA to the lower of Psych or Real, then they will still feel the desire or wish not to lose money. And there is another side to this. It is not just...
by livesoft
Fri Oct 12, 2018 12:01 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer the best index products for a passive investor compared to Vanguard
Replies: 61
Views: 5422

Re: Does Fidelity offer the best index products for a passive investor compared to Vanguard

I want to know more about the tax efficiency of these funds because I have to invest in a taxable account.
by livesoft
Fri Oct 12, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Flagship complimentary CFP services
Replies: 13
Views: 1420

Re: Vanguard Flagship complimentary CFP services

Have you checked the web site lately? Perks and benefits have changed in recent years.
by livesoft
Fri Oct 12, 2018 11:38 am
Forum: Investing - Theory, News & General
Topic: Unfortunate Near Real-Time Test of Sequence of Returns Risk v Probability of Retirement Success
Replies: 19
Views: 1747

Re: Unfortunate Near Real-Time Test of Sequence of Returns Risk v Probability of Retirement Success

I have to laugh if one thinks that any of these "probabilities" have any basis in fact or science. Sure, they have a model they made up based on something, but there are lots of such models out there and most of them have believers that a particular model is OK. But I think none of the models have a...
by livesoft
Fri Oct 12, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 2823

Re: Pacific Northwest trip

I would hike in the Central Cascades. There are so many places that don't get a lot of people very close to Portland.

Then do the entire loop around Mt Rainier.

You would only have to spend a day in Portland and Seattle which are just cities like you've seen everywhere else.
by livesoft
Fri Oct 12, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: How are MF orders executed in 401k Drop same day as 401k contribution?
Replies: 3
Views: 245

Re: How are MF orders executed in 401k Drop same day as 401k contribution?

Yes, you can see purchase dates and prices. Once again, every 401(k) is different. You can pm me your login credentials and I will steal all your money look up in your account where the info is. Or you can get help by calling the phone number on the web site that you login to. It is also a good idea...
by livesoft
Fri Oct 12, 2018 10:20 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1553413

Re: U.S. stocks in freefall

flyingaway wrote:
Fri Oct 12, 2018 9:59 am
Are you supposed to have a holding period of one month for any funds?
I can do anything I want, but I usually (not always) use ETFs.