Search found 62340 matches

by livesoft
Tue Oct 16, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 635
Views: 74324

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: 1019

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: 17
Views: 2674

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: 1019

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: 1019

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: 1019

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: 2577

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: 116057

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: 2990

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: 5822

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: 165

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: 2577

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: 1156

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: 24
Views: 1483

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: 5
Views: 546

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: 1300

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: 24
Views: 1483

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: 1691

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: 1402

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: 288

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: 38
Views: 2472

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: 1466

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: 54
Views: 4465

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: 1392

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: 1720

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: 38
Views: 2472

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: 232

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: 7355
Views: 1544475

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.
by livesoft
Fri Oct 12, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7355
Views: 1544475

Re: U.S. stocks in freefall

Just wonder how many people on this board really saw this correction or market freefall coming? I just wait for them patiently. I don't try to predict them, but I do try to react to them after they happen. For instance, if I made 3% on my bond fund money by exchanging that bond fund into equities y...
by livesoft
Fri Oct 12, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4597

Re: Keep a backup hot water heater?

lazydavid wrote:
Fri Oct 12, 2018 8:32 am
See above. We have two right next to each other, and both feed the entire house. It's just extra capacity.
Then either there is a way to bypass either heater or not. If not, then make a way.
by livesoft
Fri Oct 12, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: How are MF orders executed in 401k Drop same day as 401k contribution?
Replies: 3
Views: 232

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

Every 401(k) is different when it comes to when a paycheck is received and when a 401(k) contribution ends up purchasing the assets. For instant, my spouse's paycheck shows up on Thursdays, but any purchase of mutual funds from contributions from that paycheck show up on Fridays with the Friday clos...
by livesoft
Fri Oct 12, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: Key West Hotels
Replies: 27
Views: 1749

Re: Key West Hotels

I would think one would want very recent eyewitness accounts of anything due to hurricanes the past 2 years.
by livesoft
Fri Oct 12, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7355
Views: 1544475

Re: U.S. stocks in freefall

^Yes, there is probably more panic selling on 3% down days than there is on 3% up days.
by livesoft
Fri Oct 12, 2018 5:57 am
Forum: Investing - Theory, News & General
Topic: Does it make sense to consider that stocks are 'on sale' when there's a correction?
Replies: 84
Views: 4178

Re: Does it make sense to consider that stocks are 'on sale' when there's a correction?

jadd806 wrote:
Fri Oct 12, 2018 5:43 am
Shouldn't "serious money" already be fully invested such that there's nothing left over to buy dips?
Serious money is invested not only in equities, but also in bonds. So bonds can be sold and the money used to buy equities.
by livesoft
Fri Oct 12, 2018 5:36 am
Forum: Investing - Theory, News & General
Topic: Does it make sense to consider that stocks are 'on sale' when there's a correction?
Replies: 84
Views: 4178

Re: Does it make sense to consider that stocks are 'on sale' when there's a correction?

... How can a sharp drop like that of the last 2 days (and the corresponding recovery this morning in European markets), rationally be explained by the dividend discount model? How can some stocks really have become worth 10% less in 24 hours, and now be worth again close to what they were worth on...
by livesoft
Thu Oct 11, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: Can a Person Under 21 Rent a Hotel Room?
Replies: 15
Views: 1492

Re: Can a Person Under 21 Rent a Hotel Room?

Sure, otherwise many military personnel would have a difficult time. A 19-year-old is a young adult; not a minor; not a child. He should ask his friends what their experiences have been. It should be interesting to find out. I'll toss out a data point: My 18-year-old daughter went to visit colleges ...
by livesoft
Thu Oct 11, 2018 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest VTSAX -> VLCAX
Replies: 10
Views: 621

Re: Tax loss harvest VTSAX -> VLCAX

I think the only thing you are missing is that you will be required to provide testimonials and answers on bogleheads.org whenever someone asks about a potential wash sale. You will write, "It was a no brainer and easy! Do it!"
by livesoft
Thu Oct 11, 2018 9:40 pm
Forum: Investing - Theory, News & General
Topic: Does international really buy you diversification?
Replies: 43
Views: 4352

Re: Does international really buy you diversification?

The difference in total return so far in 2018 is so different that it is your answer. You got diversification in return, so you bought diversification. And currency risk happens with equities, too.
by livesoft
Thu Oct 11, 2018 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest VTSAX -> VLCAX
Replies: 10
Views: 621

Re: Tax loss harvest VTSAX -> VLCAX

Yes, the wash would apply to the shares purchased with the $288 and $155, so the dollar amount will likely be much much smaller than $443. And yes, you would have to make a small change to your tax return as shown elsewhere on the forum.
by livesoft
Thu Oct 11, 2018 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest VTSAX -> VLCAX
Replies: 10
Views: 621

Re: Tax loss harvest VTSAX -> VLCAX

You have a choice:

1. Wait to TLH in taxable because the shares bought in the IRAs will create wash sales
-or-
2. Don't wait to TLH and show the disallowed loss on your tax return.
by livesoft
Thu Oct 11, 2018 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest VTSAX -> VLCAX
Replies: 10
Views: 621

Re: Tax loss harvest VTSAX -> VLCAX

Exchanging all your shares of VTSAX to VLCAX in order to tax-loss harvest is a good idea. You will learn that your dividend from September will not create a wash sale, too.
by livesoft
Thu Oct 11, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 167
Views: 25657

Re: Oatmeal suggestions

The biggest difficulty I've had with most ways to prepare oatmeal is the likelihood that the stove top or microwave container will boil over, ... Never had a problem with microwaving and any boil over, spill over, explode over and I don't cover the glass bowl I use in the microwave either. But see ...
by livesoft
Thu Oct 11, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4597

Re: Keep a backup hot water heater?

The problem with HD is that they charge upwards of 500$ per hour of work to install your water heater. I thought is because they use lawyers and doctors but no... That's not the way my interaction with HD worked. Clearly, they have local plumbers who do the work of picking up new heater, taking old...
by livesoft
Thu Oct 11, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: What would you do with some bulk silver?
Replies: 41
Views: 2316

Re: What would you do with some bulk silver?

Ah, the ol' parents gave me an albatross to hang around my neck.

Your dad is an adult. Tell him to sell the silver or donate it to charity. You don't want it and you don't need it. He's got to man-up and get rid of it himself, so if you've got it now, give it back to him.
by livesoft
Thu Oct 11, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: buy and sell (TLH) before opening
Replies: 6
Views: 536

Re: buy and sell (TLH) before opening

Geez, it's only 6 minutes to the market open, so if you had time to post on bogleheads.org, then you have time to make these trades. :)
by livesoft
Thu Oct 11, 2018 8:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 94
Views: 3945

Re: Vanguard website problems [Transactions won't go through, 500 error...]

So did you ask that they "make you whole" and give you yesterday's trade prices as soon as you can login and make trades?
by livesoft
Thu Oct 11, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4597

Re: Keep a backup hot water heater?

You have two water heaters. We have two water heaters. When one fails, replace it. Use the hot water from the other heater for showering, bathing, whatever. That is, unless your two water heaters are plumbed to the same bathroom which doesn't make much sense to me. Then when the other fails, replace...
by livesoft
Thu Oct 11, 2018 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Wash Sale?
Replies: 15
Views: 718

Re: Wash Sale?

Yes, you are misinterpreting it. Because the wash sale is created by the purchase of shares and only that number of shares is the wash sale. The rest of the sales do not participate in the wash sale at all.
by livesoft
Thu Oct 11, 2018 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Wash Sale?
Replies: 15
Views: 718

Re: Wash Sale?

I believe the IRS does not allow any loss to be claimed if the securities were repurchases in an IRA. https://www.investopedia.com/articles/retirement/09/ira-wash-sale-rule.asp Here’s a link that discusses it. Here is where I had a disallowed loss because of a purchase in an IRA and how it was trea...
by livesoft
Thu Oct 11, 2018 6:59 am
Forum: Investing - Help with Personal Investments
Topic: Wash Sale?
Replies: 15
Views: 718

Re: Wash Sale?

You only have some of your loss disallowed, say on about 14 shares. And since bond funds don't have large losses, maybe your realized loss was about 4% of the share value, so the disallowed loss is probably under $10 in total value.