Search found 58910 matches

by livesoft
Thu Feb 22, 2018 12:42 am
Forum: Investing - Help with Personal Investments
Topic: Inherited tIRA all in HAINX
Replies: 9
Views: 722

Re: Inherited tIRA all in HAINX

So sell the HAINX for a Vanguard Total International Index within the IRA. That sounds straightfoward enough. I shall do so asap. Except the inherited IRA is held at Schwab, so the Vanguard Total International index fund would probably not be commission-free at Schwab. One may not even want to use ...
by livesoft
Thu Feb 22, 2018 12:37 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard: exchange or buy/sell?
Replies: 7
Views: 278

Re: Vanguard: exchange or buy/sell?

Thanks for trying. It worked for me with Fund A, B, and settlement MM in the same account. Or maybe I had a different MM fund?

If cash was in a separate bank account, then they would not all be in the same account.
by livesoft
Thu Feb 22, 2018 12:08 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard: exchange or buy/sell?
Replies: 7
Views: 278

Re: Vanguard: exchange or buy/sell?

Why don't you try it online right now? You can always Cancel before you Confirm.
by livesoft
Thu Feb 22, 2018 12:02 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard: exchange or buy/sell?
Replies: 7
Views: 278

Re: Vanguard: exchange or buy/sell?

1. Yes. All assets must be in same account.
2. Yes.
3. No.
by livesoft
Wed Feb 21, 2018 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Still lose with bonds even at duration
Replies: 13
Views: 1109

Re: Still lose with bonds even at duration

Did you write that you have VBTLX in a taxable account and that you are in a high marginal income tax bracket?
by livesoft
Wed Feb 21, 2018 8:42 pm
Forum: Investing - Theory, News & General
Topic: two year treasury instead of 2 year cd?
Replies: 5
Views: 520

Re: two year treasury instead of 2 year cd?

If you have to sell the Treasury before it matures, then you may have a capital loss despite the liquidity.
by livesoft
Wed Feb 21, 2018 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable account
Replies: 5
Views: 429

Re: Taxable account

Forgive me in advance for my ignorance... :happy #1. If I open a taxable account and then decide to pull my intial ammount out do I have to pay any penalty or tax? I would assume you only pay tax on whatever you make not the amount you put in. #2. Do you pay taxes at the end of the year if you have...
by livesoft
Wed Feb 21, 2018 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Money Market now at 1.5%
Replies: 6
Views: 621

Re: Capital One 360 Money Market now at 1.5%

Some T-bills maturing in April 2018 are paying 1.50 to 1.55%. And no state income taxes, too. :)
by livesoft
Wed Feb 21, 2018 6:23 pm
Forum: Investing - Theory, News & General
Topic: Personal Finance News Web Sites
Replies: 5
Views: 374

Re: Personal Finance News Web Sites

Michael Kitces as noted above is probably exactly what you want. I think much of the content at EarlyRetirementNow.com is superb as well. In general though, I tend to only read other sites and articles that have been linked in recent discussions at bogleheads.org. There really isn't much worthwhile ...
by livesoft
Wed Feb 21, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Recessed 4 inch LEDs: Recommended brands
Replies: 19
Views: 703

Re: Recessed 4 inch LEDs: Recommended brands

coalcracker wrote:
Wed Feb 21, 2018 5:22 pm
livesoft wrote:
Wed Feb 21, 2018 5:15 pm
I've seen such lights overheat and cause problems: flickering because they got too hot, then failure.
I'm open to suggestions for alternatives. I had read that LEDs gave off less heat than alternatives.
That is true, but other types of lights can withstand the heat.
by livesoft
Wed Feb 21, 2018 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Think I messed up a TLH exercise
Replies: 14
Views: 452

Re: Think I messed up a TLH exercise

^I completely agree. But that does not seem to be the situation here. Selling an intermediate-term bond fund in taxable and buying a Treasury bond fund in another account are not substantially identical.

And the OP now reports (by looking at the account) that ALL shares were sold.
by livesoft
Wed Feb 21, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: Recessed 4 inch LEDs: Recommended brands
Replies: 19
Views: 703

Re: Recessed 4 inch LEDs: Recommended brands

I've seen such lights overheat and cause problems: flickering because they got too hot, then failure.
by livesoft
Wed Feb 21, 2018 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Think I messed up a TLH exercise
Replies: 14
Views: 452

Re: Think I messed up a TLH exercise

So OP is correct that the recent dividend reinvestment amount, that was sold before being held for 30 days, was a wash sale. What? I don't understand what you are saying. If I buy shares yesterday and sell them for a loss today, then no wash sale. One doesn't have to hold shares for 30 days to not ...
by livesoft
Wed Feb 21, 2018 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Think I messed up a TLH exercise
Replies: 14
Views: 452

Re: Think I messed up a TLH exercise

Wait a second.... In doing more research is it perhaps true that the only amount subject to the wash is the recent dividend reinvestment? So, if I continue to keep good records I can still claim the net this next tax time. Once again, please LOOK at the account and see what the financial institutio...
by livesoft
Wed Feb 21, 2018 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Think I messed up a TLH exercise
Replies: 14
Views: 452

Re: Think I messed up a TLH exercise

Am I correct that the fact that she received monthly bond dividend a couple weeks ago (less than 30 days) negates the possibility/benefit of repurchasing US intermediate bond and resetting the basis? No, you are not correct. It reads like you sold the shares that were purchased with the dividend. I...
by livesoft
Wed Feb 21, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Lawn care, especially bare, shaded spots
Replies: 14
Views: 603

Re: Lawn care, especially bare, shaded spots

Pajamas wrote:
Wed Feb 21, 2018 3:16 pm
Some form of mulch, possibly with stepstones or pavers or bricks, would be best in trafficked areas. Most grass won't hold up to significant foot traffic.
Mulch will just end up downstream because there is nothing to keep it from floating away in a rain storm when the ground is sloped.
by livesoft
Wed Feb 21, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Lawn care, especially bare, shaded spots
Replies: 14
Views: 603

Re: Lawn care, especially bare, shaded spots

Re: ground cover. Two of the muddy spots are on either side of a couple of gates in the fence that allow access from the backyard to the front (on either side of the house). Ground cover plants would be awkward, as it's common to walk through these areas, and the gates themselves need to swing open...
by livesoft
Wed Feb 21, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Benefits for Higher Education
Replies: 5
Views: 238

Re: Tax Benefits for Higher Education

1. Yes. 2. If you take $10,000 out of a 529 plan and not use it for education, maybe only $2,000 of that is non-qualified because return of capital is not taxed and not penalized. That will of course depend on your 529 assets, but certainly all $10,000 would not be taxed nor penalized. Our strategy ...
by livesoft
Wed Feb 21, 2018 2:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5598
Views: 1264198

Re: U.S. stocks in freefall

Saturday, Sunday, and Monday were not trading days. It is now mid-Wednesday, so 1.5 trading days is not that long, is it?
by livesoft
Wed Feb 21, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Lawn care, especially bare, shaded spots
Replies: 14
Views: 603

Re: Lawn care, especially bare, shaded spots

grass needs a lot of sun, should never dry out, and nutrients. You just described: 1. Mostly shade. 2. Sloping yard, so water runs off quickly, so grass doesn't get as much water as you think. 3. No nutrients. Grass can be over fertilized which will kill it and under fertilized which will not make i...
by livesoft
Wed Feb 21, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Seeing Yellowstone National Park
Replies: 24
Views: 2086

Re: Seeing Yellowstone National Park

davidsorensen32 wrote:
Wed Feb 21, 2018 11:56 am
Like this --> ...
Thanks! That also led to these photos: https://www.yellowstone.org/photo-contest-2016-winners/ which brought back many memories. Thx!
by livesoft
Wed Feb 21, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Betterment and Individual stocks
Replies: 4
Views: 241

Re: Betterment and Individual stocks

Investment17 wrote:
Wed Feb 21, 2018 9:25 am
I want to buy individual type stocks ala Apple, Amazon, things along those lines. I know betterment does not do that.
If betterment does not do that (use individual stocks), then there would be no interference.
by livesoft
Wed Feb 21, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Betterment and Individual stocks
Replies: 4
Views: 241

Re: Betterment and Individual stocks

I don't have an account at Betterment, so I am unfamiliar with their offerings. You didn't even state if your account is an IRA or a taxable account. And you didn't state if the account that you will hold individual stock shares in is a taxable or tax-advantaged account. So I think there is not real...
by livesoft
Wed Feb 21, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: What UN-frugal thing do you do?
Replies: 88
Views: 3588

Re: What UN-frugal thing do you do?

Charitable contributions.

I also run the dishwashwer whenever I feel like it ... even if it only has a few dishes in it.
by livesoft
Tue Feb 20, 2018 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 51
Views: 4298

Re: Will REIT funds ever see another drawdown like 2008?

Ha! I have posted in other recent REIT threads what I think about REITs nowadays. I will buy VNQ at some point in the future, but not now. In the meantime, I will invest the money earmarked for VNQ into Total US Stock Market Index fund. OK, thanks! I just can't resist a "bargain"... I'll wait for y...
by livesoft
Tue Feb 20, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about selling GE to invest in an index fund
Replies: 12
Views: 1261

Re: Thinking about selling GE to invest in an index fund

happyisland wrote:
Tue Feb 20, 2018 7:24 pm
Sell it and use the capital loss.
I would not be surprised if the OP does not have GE in a taxable account, but has it in an IRA instead.

Nevertheless, sell GE and move on.
by livesoft
Tue Feb 20, 2018 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: How do I unwind this Wealthfront mess?
Replies: 55
Views: 3917

Re: How do I unwind this Wealthfront mess?

Wealthfront has a "Direct Indexing" product: https://research.wealthfront.com/whitepapers/tax-optimized-direct-indexing/ Some of the OP's positions seem to be one single share. If the OP pays a commission to sell, then the commission will eat up a huge percentage of the single share holdings. Wealth...
by livesoft
Tue Feb 20, 2018 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: How do I unwind this Wealthfront mess?
Replies: 55
Views: 3917

Re: How do I unwind this Wealthfront mess?

It looks like Vanguard ETFs have quite few of the gains (maybe $35,000 of gains?), so if you keep those and ignore FB for a little while, the problem is really not that bad at all. And that's not even counting the losses from today's market that will add to the other losses. So just get crackin' sin...
by livesoft
Tue Feb 20, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell bond Funds for Tax Losses?
Replies: 3
Views: 295

Re: Should I sell bond Funds for Tax Losses?

Definitely sell. There are plenty of places to put the cash: MM fund, T-bill, 1-month CD, another muni bond fund, a short-term bond fund, under the mattress, ....
by livesoft
Tue Feb 20, 2018 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: How do I unwind this Wealthfront mess?
Replies: 55
Views: 3917

Re: How do I unwind this Wealthfront mess?

TIAX wrote:
Tue Feb 20, 2018 3:14 pm
3/4 - Note that, assuming you're voyager select (500k-1M), trades at Vanguard would be $2.
That's $500K and more in Vanguard products. Non Vanguard products don't count.

Plenty of places offer bonuses and free trades for this situation.
by livesoft
Tue Feb 20, 2018 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: How do I unwind this Wealthfront mess?
Replies: 55
Views: 3917

Re: How do I unwind this Wealthfront mess?

The stock market is still open for another hour, so start selling something now and buying the replacement. If you do 5 stocks a day, then you can calculate how long it will take you.
by livesoft
Tue Feb 20, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard 1099-R for Brokerage Acct
Replies: 13
Views: 655

Re: Vanguard 1099-R for Brokerage Acct

My 401(k) sent me 1099-R when I rolled it over. The account getting the money did not send a 1099-R since 1099-R are only for when money leaves an account.

So who was the 401(k) custodian?
by livesoft
Tue Feb 20, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Lawn spraying
Replies: 15
Views: 1255

Re: Lawn spraying

wilked wrote:
Tue Feb 20, 2018 1:58 pm
Healthy lawns won't need weed killer
I agree with that, but that does not mean healthy lawns won't have weeds. :)
by livesoft
Tue Feb 20, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard 1099-R for Brokerage Acct
Replies: 13
Views: 655

Re: Vanguard 1099-R for Brokerage Acct

Yes, received a while ago.
by livesoft
Tue Feb 20, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Paying for expedited credit card replacements?
Replies: 16
Views: 580

Re: Paying for expedited credit card replacements?

I lost my Fido card in the house somewhere. I called in, got a replacement sent, and it arrived a few days later. I didn't pay for expedited because past experience told me these cards arrived in 3 or 4 days no matter how long they tell you over the phone. As for autopay stuff, so what? The vendors ...
by livesoft
Tue Feb 20, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Lawn spraying
Replies: 15
Views: 1255

Re: Lawn spraying

Kiter wrote:
Tue Feb 20, 2018 12:02 pm
Depending on the amount of weeds you can spot spray weed b gone ...
Weed-B-Gone says right on the label: Do not use on ... bermudagrass ....

Even though it says it can be used on St Augustine, it will kill that, too, in hot weather.
by livesoft
Tue Feb 20, 2018 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Help with similar bond ETFs: AGG, BND, SPAB
Replies: 7
Views: 593

Re: Help with similar bond ETFs: AGG, BND, SPAB

I'm curious -- if you're uncomfortable with SPAB, why have you bought so many shares ? The main reason is that it trades commission-free at TDAmeritrade. The secondary reason is that if one is very patient, then one can get a deal on it. For instance, when AGG and BND are trading down 0.1% to 0.15%...
by livesoft
Tue Feb 20, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Lawn spraying
Replies: 15
Views: 1255

Re: Lawn spraying

They could be spraying down fertilizer, too. I've done a lot of experiments with various weed killers in my own yard. I would not just put weed killer down without knowing the exact weed(s), the prevailing temperatures, the rain situation, and so on. I prefer to just pick weeds by hand, but some lik...
by livesoft
Tue Feb 20, 2018 9:30 am
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 44
Views: 4737

Re: Staying Motivated: How do you ward off hopelessness?

I take the dog for a long walk. It really works.
by livesoft
Tue Feb 20, 2018 9:25 am
Forum: Investing - Help with Personal Investments
Topic: VAIPX/TIPS: To sell or not to sell
Replies: 14
Views: 876

Re: VAIPX/TIPS: To sell or not to sell

My understanding is that TIPS are for unexpected inflation. So if everyone expects a lot more inflation than is actually delivered, then TIPS will be hurting.
by livesoft
Tue Feb 20, 2018 9:03 am
Forum: Investing - Theory, News & General
Topic: Sequence of returns risk while accumulating
Replies: 65
Views: 3711

Re: Sequence of returns risk while accumulating

The Early Retirement Now articles on safe withdrawal rates discuss sequence of return risk in a big way. I believe it turns out that the same effect that SRR has for early retirees is actually quite beneficial for accumulators. Market drops helps accumulators in big ways for the same reasons it hurt...
by livesoft
Tue Feb 20, 2018 8:29 am
Forum: Investing - Theory, News & General
Topic: Cap Gain Tax Q 2018 tax year
Replies: 4
Views: 381

Re: Cap Gain Tax Q 2018 tax year

No, not as you have written the question. If one has $24,000 or less of other income and is married, then it is true if you realized long-term capital gains. Short-term capital gains get taxed differently than long-term capital gains. Unrealized capital gains from one's investments are neither taxed...
by livesoft
Tue Feb 20, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: New Seattle travel suggestions request
Replies: 10
Views: 672

Re: New Seattle travel suggestions request

If you are going to Mt Rainier, then SEA-TAC is closer than Woodinville. :) Have you looked at a map? I think you will end up staying in many places unless you like driving from bed to bed. If you land at the airport around dinner time, eat there, stay in a hotel there, then drive up to Mt Rainier e...
by livesoft
Tue Feb 20, 2018 12:12 am
Forum: Investing - Help with Personal Investments
Topic: VAIPX/TIPS: To sell or not to sell
Replies: 14
Views: 876

Re: VAIPX/TIPS: To sell or not to sell

You mentioned 3 bond fund options: VFSUX, VFIJX, VAIPX. Do you have a plan on how to rebalance among them? The 1-year return of VAIPX and VFIJX is essentially identical at 0%. And for VFSUX it is 0.9%. All of those are less than the 1-year return of Vang MM Prime. At some point you will want to reba...
by livesoft
Mon Feb 19, 2018 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 51
Views: 4298

Re: Will REIT funds ever see another drawdown like 2008?

iceport wrote:
Mon Feb 19, 2018 9:16 pm
Isn't a sell always paired with a buy?
Not for people who are rebalancing or tax-loss harvesting and not using RBD's for market timing.

It also seems that this thread has been successfully hijacked.
by livesoft
Mon Feb 19, 2018 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 51
Views: 4298

Re: Will REIT funds ever see another drawdown like 2008?

No, it's only when selling which happens after RBD buying that there is no pre-defined sell signal, so I might as well call it emotional selling.
by livesoft
Mon Feb 19, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 51
Views: 4298

Re: Will REIT funds ever see another drawdown like 2008?

Actually, purchases are not emotional, but triggered by specific events after those events occur.
by livesoft
Mon Feb 19, 2018 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 51
Views: 4298

Re: Will REIT funds ever see another drawdown like 2008?

And my point is that it is probably OK for me to "wait" in Total Stock Market until I buy some VNQ.
by livesoft
Mon Feb 19, 2018 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 51
Views: 4298

Re: Will REIT funds ever see another drawdown like 2008?

White Coat Investor wrote:
Mon Feb 19, 2018 7:57 pm
FWIW, my return in REITs from 2007 to present is an annualized 7.64%. Staying the course works, even when the timing of your initial entry is terrible.
FWIW, the return of VTSAX (Vanguard Total Stock Market Index fund) for the past 10 years is 9.83% annualized.