Search found 58942 matches

by livesoft
Fri Feb 23, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Sell in Taxable, Buy in Tax-Advantaged
Replies: 5
Views: 143

Re: Sell in Taxable, Buy in Tax-Advantaged

Thanks livesoft. From previous posts, I'd gather you sold for the same tax reasons that I'm considering here? I could do TLH on a recent Total International investment, so I'll consider that as an option... I have yet to TLH since I've done the bulk of my investing during the recent bull years. Yes...
by livesoft
Fri Feb 23, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Pay Learnvest for Financial Advice to Convince Wife?
Replies: 8
Views: 248

Re: Should I Pay Learnvest for Financial Advice to Convince Wife?

Free to cancel is good, but what if the advice has you buying things that you will want to sell later at a tax cost? You should have a plan for that scenario or maybe never enter that scenario. Perhaps another way is to create your own investing plan of what you would do without Learnvest, then have...
by livesoft
Fri Feb 23, 2018 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Sell in Taxable, Buy in Tax-Advantaged
Replies: 5
Views: 143

Re: Sell in Taxable, Buy in Tax-Advantaged

I sold all my VSS in taxable and bought in tax-advantaged. I was able to offset the gains by previous losses from tax-loss harvesting. I know that doesn't help you now, but maybe you can look forward to some tax-loss harvesting and do it then.
by livesoft
Fri Feb 23, 2018 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Pay Learnvest for Financial Advice to Convince Wife?
Replies: 8
Views: 248

Re: Should I Pay Learnvest for Financial Advice to Convince Wife?

One thing I've learned here on the forum is that every time someone uses a Financial Advisor or Robo Advisor or Something Like Learnvest, they should plan on how they will extract themselves from the relationship without tax costs and without fees and without hassles. They should have the plan in pl...
by livesoft
Fri Feb 23, 2018 5:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 159
Views: 26951

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

^There is a difference between bonds, notes, and bills. It's a little technical, but have at it. I don't think VMMXX owns any bonds nor notes, but I didn't check.
by livesoft
Fri Feb 23, 2018 5:39 pm
Forum: Investing - Theory, News & General
Topic: Is there any flaw in this short-term tactic?
Replies: 9
Views: 345

Re: Is there any flaw in this short-term tactic?

Yahoo could pull a Kylie Jenner and say they wanted to ditch their Alibaba shares. Then what would happen?
by livesoft
Fri Feb 23, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market [how to allocate bond portion of AA]
Replies: 9
Views: 559

Re: Total Bond Market [how to allocate bond portion of AA]

I have owned the funds you listed in their ETF versions. All I can say is that no one can predict the future except that I can predict you will lose money and you will make money. If one is investing, one simply has to expect to lose money and enjoy it when it happens. But you can have a plan when y...
by livesoft
Fri Feb 23, 2018 3:05 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Investors Should Worry About
Replies: 34
Views: 1876

Re: Larry Swedroe: What Investors Should Worry About

I'm a bit surprised that Larry called a 10% stock correction a "crash," especially when he immediately noted that there have been seven months since 1970 since this happened. I wouldn't call anything less than a bear market a crash. There is crash and there is crash. I think he was mostly telling u...
by livesoft
Fri Feb 23, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 26
Views: 872

Re: Favorite socks?

Gold-toe ACRYLIC socks in whatever style you want. The point is ACRYLIC which is why I am capitalizing it. Get black color and white color. Done. Acrylic is the synthetic fiber closest to wool. Like wool, it will keep your feet warm, but it is soft. Unlike cotton though, it will dry quickly. You wil...
by livesoft
Fri Feb 23, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: How Do People Without Computer Access Prepare and File Their Taxes?
Replies: 33
Views: 1470

Re: How Do People Without Computer Access Prepare and File Their Taxes?

And if you ask, "How do people without computers and phones file their taxes?" I can answer that, too: They don't file taxes because they don't owe any taxes and have no refund coming to them either. You are seriously out of touch with reality if you think that, livesoft. VITA sites like ours serve...
by livesoft
Fri Feb 23, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri Fixed Income Portfolio Funds
Replies: 13
Views: 1672

Re: Rick Ferri Fixed Income Portfolio Funds

In his book, his more advanced portfolios contain as many as 12 funds, sliced and diced. When the book was published, many of the current Vanguard products recommended on this forum did not exist in their current forms. In particular, the Total International Stock Market Index fund that you own did...
by livesoft
Fri Feb 23, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: How Do People Without Computer Access Prepare and File Their Taxes?
Replies: 33
Views: 1470

Re: How Do People Without Computer Access Prepare and File Their Taxes?

Yes, our library has the forms and computers, too. And are you serious that you do not have a computer at home that does not belong to your employer? No problem: You just file your tax return on your phone like Millennials do. And if you ask, "How do people without computers and phones file their ta...
by livesoft
Fri Feb 23, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: "Bogleheads.org" by Kristine Hayes"
Replies: 41
Views: 4341

Re: "Bogleheads.org" by Kristine Hayes"

I would bet dollars to doughnuts that Ms. Hayes uses acronyms and abbreviations all the time when texting and snapchat-ting.
by livesoft
Fri Feb 23, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Diversification
Replies: 7
Views: 540

Re: Diversification

I was going to write that adding fixed income is a diversification, but your Ally savings account fulfills that diversification role. You are all set. As long as 30 means $30,000 and not $30.00 :)
by livesoft
Fri Feb 23, 2018 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri Fixed Income Portfolio Funds
Replies: 13
Views: 1672

Re: Rick Ferri Fixed Income Portfolio Funds

Yes, I agree. Many people have no way of knowing what the Signal is and what the Noise is. They don't even want to find that out in the first place.

But if one does, then I would recommend things like Nate Silver's book "The Signal and the Noise" and others like it.
by livesoft
Fri Feb 23, 2018 9:03 am
Forum: Investing - Theory, News & General
Topic: "Bogleheads.org" by Kristine Hayes"
Replies: 41
Views: 4341

Re: "Bogleheads.org" by Kristine Hayes"

I quite enjoyed getting another perspective on the Bogleheads.org forum. I have even made up a story in my mind about why Jonathan Clements had this piece on his web site. I have referred people to Bogleheads.org. Almost all of them find the forum intimidating. But I think most all people find life ...
by livesoft
Fri Feb 23, 2018 8:38 am
Forum: Investing - Theory, News & General
Topic: Does using the trend in a higher timeframe give you a statistical advantage in a lower timeframe.
Replies: 3
Views: 257

Re: Does using the trend in a higher timeframe give you a statistical advantage in a lower timeframe.

Welcome to the Bogleheads forum where folks typically know nothing about short-term technical analysis, charting, shorting, and trading.

I cannot even begin to address your question. Sorry.
by livesoft
Thu Feb 22, 2018 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Which value funds do you use?
Replies: 3
Views: 261

Re: Which value funds do you use?

Should I accept overlap and have multiple funds of the same class (LCV and SCV)? Won't you have that anyways if you have to do some tax-loss harvesting? In taxable right now, the only "value" fund I have is VBR purchased in 2009. I have also used IJS in taxable, but do not own it in taxable at the ...
by livesoft
Thu Feb 22, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Buying a bond ladder not as easy as I thought
Replies: 11
Views: 1017

Re: Buying a bond ladder not as easy as I thought

BIL is an ETF of 1-3 month T-bills. You can calculate how much of a hit that the spread and commissions will cost you. While you will get an effectively lower interest rate, the liquidity is there in case you need to sell and buy something else instantly. I own T-bills and just buy them without a li...
by livesoft
Thu Feb 22, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: [Is this fund transaction taxable?]
Replies: 5
Views: 302

Re: [Is this fund transaction taxable?]

[Moved into a stand-alone post from: Can you lose money in a Money Market savings account ? --admin LadyGeek] Is this discussion for VMMXX symbol (Vanguard Prime Money Market fund) ? If Yes, Then please explain my scenario: I have Vanguard Total International Stock Index Fund Admiral Shares ( VTIAX...
by livesoft
Thu Feb 22, 2018 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri Fixed Income Portfolio Funds
Replies: 13
Views: 1672

Re: Rick Ferri Fixed Income Portfolio Funds

Mr Ferri's book was published years ago. I would never blindly follow the advice found in an old book. I might follow it after checking it out. You might put some of the recommended bond allocations into a tool like PortfolioVisualizer.com and see how they turned out after the book was published. An...
by livesoft
Thu Feb 22, 2018 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Month T-Bill Replacement for Ally No-Penalty 1yr CDs?
Replies: 22
Views: 1132

Re: 3 Month T-Bill Replacement for Ally No-Penalty 1yr CDs?

Yes, please show. I will get screen captures of TDAmeritrade, Fidelity, and Vanguard then for comparison. If you want to use a CUSIP: 912796LX5
by livesoft
Thu Feb 22, 2018 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Month T-Bill Replacement for Ally No-Penalty 1yr CDs?
Replies: 22
Views: 1132

Re: 3 Month T-Bill Replacement for Ally No-Penalty 1yr CDs?

I'm looking at web sites online. Here is what I think I found:

Cost to buy a T-bill
$00.00 Schwab
$00.00 Vanguard
$10.00 Fidelity
$19.99 TDAmeritrade
$50.00 WellsTrade

Cost to sell may be different than above.

Would anybody like to confirm or contradict any of the above please?
by livesoft
Thu Feb 22, 2018 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited tIRA all in HAINX
Replies: 20
Views: 1363

Re: Inherited tIRA all in HAINX

rgs92 wrote:
Thu Feb 22, 2018 2:15 am
Harbor International Fund went up 22.9% in 2017. So it did pretty well ...
That looks good until you compare to Vanguard Total International Index fund with its 27.55% in 2017 return. 3-year and 5-year returns are also relatively bad for HAINX.
by livesoft
Thu Feb 22, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 49
Views: 2845

Re: Boglehead Flashlight?

Those lights linked by Toons look great. I may get me some. Thx!
by livesoft
Thu Feb 22, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Month T-Bill Replacement for Ally No-Penalty 1yr CDs?
Replies: 22
Views: 1132

Re: 3 Month T-Bill Replacement for Ally No-Penalty 1yr CDs?

When buying T-bills, your financial institution maay hide mark-up charge. I am not sure if you have to pay it coming and going, but if you purchase a small amount, the fixed fee will be a higher percentage than if you purchase a smaller amount. So that has to be figured in your return. I bought a T-...
by livesoft
Thu Feb 22, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: Can you lose money in a Money Market savings account ?
Replies: 36
Views: 1955

Re: Can you lose money in a Money Market savings account ?

Technically the answer is Yes, but let me explain. First, we typically think a MM account is FDIC-insured, but a MM fund is not. But places are fast and loose with terms. My spouse's previous 401(k) had a MM in it. The 401(k) charged an extra fee of 1.5% on all investments in the 401(k), so when the...
by livesoft
Thu Feb 22, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 49
Views: 2845

Re: Boglehead Flashlight?

Headlamps are probably the best for night time walking/hiking. But nowadays bike lights are essentially small hand-carry flashlights with a handlebar mount. If you want BRIGHT then a 200 lumen TeamObsidian is a great flashlight that is small and adjustable narrow/wide focus. https://www.teamobsidian...
by livesoft
Thu Feb 22, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Lawn spraying
Replies: 26
Views: 1694

Re: Lawn spraying

In my yard with a dog, the grass is very green coming out of winter wherever the dog has peed or done his business. Your photo goes not suggest dog to me. There would be many such spots if it was dog.
by livesoft
Thu Feb 22, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Lawn spraying
Replies: 26
Views: 1694

Re: Lawn spraying

I am unfamiliar with fescue, but if that was St Augustine and the weather has been cool, I would call that Brown Patch which is a fungus because it starts small, browns the leaves and expands. The inner green is where new leaves have started to re-grow. You didn't want to learn the science of turf b...
by livesoft
Thu Feb 22, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: Rising Bond Yields
Replies: 6
Views: 1008

Re: Rising Bond Yields

Perhaps you can buy the TIAA Traditional Annuity?
by livesoft
Thu Feb 22, 2018 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Minimum Holding Period for Short Term Corporate Bond ETF
Replies: 4
Views: 231

Re: Minimum Holding Period for Short Term Corporate Bond ETF

Maybe 2 to 3 years?

One can look at the historical record and chart VSCSX/VCSH compared to VMMXX at morningstar.com and see periods where VMMXX comes out ahead.

If you don't mind losing money, the actual minimum holding period is less than 1 second: You can sell immediately after buying.
by livesoft
Thu Feb 22, 2018 12:42 am
Forum: Investing - Help with Personal Investments
Topic: Inherited tIRA all in HAINX
Replies: 20
Views: 1363

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: 8
Views: 568

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: 8
Views: 568

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: 8
Views: 568

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: 23
Views: 2317

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: 8
Views: 1128

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: 6
Views: 625

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: 15
Views: 2078

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: 487

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: 25
Views: 1162

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: 484

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: 25
Views: 1162

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: 484

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: 484

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: 484

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: 677

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: 677

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...