Search found 58885 matches

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: 45
Views: 3546

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: 5
Views: 583

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: 43
Views: 2307

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: 43
Views: 2307

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: 272

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: 43
Views: 2307

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: 43
Views: 2307

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: 589

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: 14
Views: 1072

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: 589

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: 552

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: 14
Views: 1072

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: 562

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: 14
Views: 1072

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: 33
Views: 3435

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: 854

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: 50
Views: 2793

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: 362

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: 652

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: 854

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: 45
Views: 3546

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: 45
Views: 3546

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: 45
Views: 3546

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: 45
Views: 3546

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: 45
Views: 3546

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.
by livesoft
Mon Feb 19, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Considering move to Tulsa, OK
Replies: 17
Views: 1763

Re: Considering move to Tulsa, OK

Tulsa is a great place to live. But you know, whether you will like it or not will probably heavily depend on where you live now and where you have lived in the past. For instance, if you have lived your whole life in Amarillo, then Tulsa would be a step up. And I have to mention earthquakes and flo...
by livesoft
Mon Feb 19, 2018 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Preparing for Taxes
Replies: 8
Views: 532

Re: Help! Preparing for Taxes

I can't say what your taxes would be, but with $80K of investments, they cannot be something to worry about. You haven't given us any clue about your taxes that are often given here on the forum (marginal income tax rate, filing status, number of kids, kinds of income (wages, dividends, capital gain...
by livesoft
Mon Feb 19, 2018 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Preparing for Taxes
Replies: 8
Views: 532

Re: Help! Preparing for Taxes

I think taxes will be easy. I think you are worried about nothing. One's financial institution (Vanguard and WellsFargo) will give you 1099-DIV, a 1099-B, and/or a consolidated 1099 documents each year. If you login to your WellsFargo account, you can find this very easily. Download it, print it out...
by livesoft
Mon Feb 19, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Seeing Yellowstone National Park
Replies: 20
Views: 1837

Re: Seeing Yellowstone National Park

^Thanks! Great field report.
by livesoft
Mon Feb 19, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Adviser said I made a big mistake switching 403b to Aspire??
Replies: 18
Views: 1294

Re: Adviser said I made a big mistake switching 403b to Aspire??

Sales pitch. Your advisor can charge what they want to do your taxes, so it reads like he threatened you with higher fees because you switched. You should probably find someone else to do your taxes. Maybe even you can do your own taxes and save his fees on that, too?
by livesoft
Mon Feb 19, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: What do Bogleheads think of Passive income through Dividend Stocks
Replies: 44
Views: 3985

Re: What do Bogleheads think of Passive income through Dividend Stocks

Here is a decent discussion of what Bogleheads think of Passive Income through Dividend Stocks that was started in December 2017:
viewtopic.php?t=233637 It has 185 posts
by livesoft
Mon Feb 19, 2018 6:44 pm
Forum: Investing - Theory, News & General
Topic: "The Effects of Social Security Benefits and RMDs on Tax-Efficient Withdrawal Strategies"
Replies: 10
Views: 1866

Re: "The Effects of Social Security Benefits and RMDs on Tax-Efficient Withdrawal Strategies"

I want to make a couple of comments. 1. The suggested precision in the article is laughable. The "Portfolio Life" numbers to 4 significant digits are a joke. I suppose they needed them because the differences might not even show up without those 2 digits to the right of the decimal point. We all kno...
by livesoft
Mon Feb 19, 2018 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 45
Views: 3546

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.
by livesoft
Mon Feb 19, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Seeing Yellowstone National Park
Replies: 20
Views: 1837

Re: Seeing Yellowstone National Park

davidsorensen32 wrote:
Mon Feb 19, 2018 11:03 am
... or get that dream photograph - the reflection of a rising or setting sun in a buffalo's eye (catchment light ?)
You mean sort of like this?

Image



That's part of a larger photo which cannot be posted due to size. https://i.imgur.com/CrNtZin.jpg
by livesoft
Mon Feb 19, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing in a Bear Market
Replies: 7
Views: 567

Re: Rebalancing in a Bear Market

If I need more equities, then I sell bond fund shares to buy more equities. I don't care if bond fund shares are down or not. For any major rebalancing, I wait until the ETFs that I want to buy have a bona fide livesoft Really Bad Day as defined many times on bogleheads.org. That way, I don't rebala...
by livesoft
Mon Feb 19, 2018 4:14 pm
Forum: Investing - Theory, News & General
Topic: 2017 Relative Tax Efficiency
Replies: 2
Views: 282

Re: 2017 Relative Tax Efficiency

Happy Birthday! Thx.
by livesoft
Mon Feb 19, 2018 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Taxing First-in-First-out
Replies: 7
Views: 359

Re: Taxing First-in-First-out

You cannot pick and choose after the trade settles. There have always been specific rules about this and they have not changed. See IRS Publication 550.
by livesoft
Mon Feb 19, 2018 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Adjusting a Taxable Account
Replies: 18
Views: 836

Re: Tax Adjusting a Taxable Account

This tax-adjusting thing is very personal. I'll give a crazy example of how it works for me: 1. When I withdraw from my taxable account, I have no tax liability and pay no taxes on the withdrawal. That's because qualified dividend income is not taxed for me, long-term capital gains are not taxed, an...
by livesoft
Mon Feb 19, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Seeing Yellowstone National Park
Replies: 20
Views: 1837

Re: Seeing Yellowstone National Park

The Lodge is not the same as Old Faithful, nor is OF the same as all the other geysers in the Geyser Basin areas. And geysers are definitely part of Nature. The Lodge itself was less than 60 minutes of my time. We should do a survey of who has seen wild wolves in Yellowstone that were closer than a ...
by livesoft
Mon Feb 19, 2018 8:58 am
Forum: Investing - Help with Personal Investments
Topic: High ER funds with large cap gains - what to do ?
Replies: 10
Views: 775

Re: High ER funds with large cap gains - what to do ?

Formula discussed in the wiki: https://www.bogleheads.org/wiki/Paying_ ... itch_funds

If reinvesting distributions, stop that.

Consider donating shares to your Donor Advised Fund.
by livesoft
Mon Feb 19, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: What does it mean to be "in cash"?
Replies: 17
Views: 1038

Re: What does it mean to be "in cash"?

If one has Treasury bills held at TreasuryDirect.gov, they are considered liquid cash, but the reality is that it may take a while to get cash from them into your pocket, right?
by livesoft
Mon Feb 19, 2018 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Scottrade migration to TDAM
Replies: 10
Views: 714

Re: Scottrade migration to TDAM

First, I never dealt with Scottrade, so don't know the answer to your first question. You should be comfortable enough to call up your local rep at the office you already deal with and ask them your questions. If not, then you should move to a place where you are comfortable asking questions. I woul...
by livesoft
Mon Feb 19, 2018 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Switching from TDAM to VG implications
Replies: 14
Views: 637

Re: Switching from TDAM to VG implications

You also mentioned doing the buy/sell at the same time after moving the SPDR ETFs. In that case, the sell at Vanguard would cost a commission. Finally, note that TDAm has an account closure fee for some clients. In a strange twist, the commission to sell the SPDR ETF at Vanguard is $7 while the com...
by livesoft
Mon Feb 19, 2018 7:32 am
Forum: Investing - Help with Personal Investments
Topic: New retiree really needs help with tax-deferred monies
Replies: 4
Views: 500

Re: New retiree really needs help with tax-deferred monies

carolinaman wrote:
Mon Feb 19, 2018 7:22 am
I think moving all of your investments into VSMGX is a good idea.
I agree with this, too.
by livesoft
Mon Feb 19, 2018 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversions to shrink RMDs
Replies: 15
Views: 1025

Re: Roth conversions to shrink RMDs

Does she have money to pay the taxes on the conversion(s) from non-IRA sources?
by livesoft
Mon Feb 19, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: Seeing Yellowstone National Park
Replies: 20
Views: 1837

Re: Seeing Yellowstone National Park

* Avoid Old faithful lodge like the plague - overcrowded, over expensive and absolutely against what the park stands for Actually, Old Faithful Lodge is exactly what the park stood for at one time. It is an extremely important historical building with daily tours. All visitors should participate in...
by livesoft
Mon Feb 19, 2018 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Mechanics of rebalancing while in accumulation phase
Replies: 12
Views: 799

Re: Mechanics of rebalancing while in accumulation phase

Are there any aggregation services like PC or tools within Vanguard/Fidelity/Schwab when linking external accounts so you can view them within that brokerage which can set up notifications when your AA passes a threshold? Thanks! Yes, explained, shown, and discussed in this thread with screen captu...
by livesoft
Mon Feb 19, 2018 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Switching from TDAM to VG implications
Replies: 14
Views: 637

Re: Switching from TDAM to VG implications

Presumably, you don't have very much in these ETFs at TDAM right now, so no reason not to sell them and start with fresh ETFs at Vanguard. If I was doing this, I would sell at TDAM after the short-term commission time had passed (31 days?) and move the cash. That way, the 1099-B would come from TDAM...
by livesoft
Sun Feb 18, 2018 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Recent market downturn and TLH
Replies: 8
Views: 340

Re: Recent market downturn and TLH

Vanguard's REIT fund is at 25.03. Anything you bought since around February 2016 would have been eligible for TLH. Vanguard's Total Bond fund is at 10.49. Anything you bought since around October 2016 would have been eligible for TLH. But probably only if bought in a taxable account. TYpically REIT...