Search found 58925 matches

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: 123

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: 5
Views: 380

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: 252

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: 4
Views: 655

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: 21
Views: 891

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: 21
Views: 891

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: 17
Views: 1076

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: 35
Views: 1682

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: 21
Views: 891

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: 1756

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: 35
Views: 1682

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: 1657

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: 1657

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: 5
Views: 609

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: 219

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: 17
Views: 1076

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: 527

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: 527

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: 527

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: 15
Views: 1631

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: 6
Views: 773

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: 602

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: 12
Views: 1516

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: 471

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: 1119

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: 482

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: 1119

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: 482

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: 482

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: 482

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: 659

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: 659

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: 252

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: 5600
Views: 1265166

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: 659

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: 2108

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: 251

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: 251

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 Consumer Issues
Topic: What UN-frugal thing do you do?
Replies: 124
Views: 5581

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: 4358

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: 24
Views: 2186

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: 4318

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: 4318

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: 303

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: 4318

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: 4318

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: 669

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: 26
Views: 1657

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: 669

Re: Vanguard 1099-R for Brokerage Acct

Yes, received a while ago.