Search found 62500 matches

by livesoft
Mon Dec 10, 2018 9:26 pm
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Estimated Year-End Distributions (Div & CG)
Replies: 26
Views: 1910

Re: Updated Vanguard Estimated Year-End Distributions (Div & CG)

So, what happened to Reinvest dates, which used to be (ancient history, like a few month ago), if I recall, distinct from Payable dates? ' For a fund with a Payable date of 12/24 held in a mutual fund account (just to prevent brokerage accounts from potentially muddying the waters)... 1. What date ...
by livesoft
Mon Dec 10, 2018 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting - Bonehead Move
Replies: 7
Views: 637

Re: Tax Loss Harvesting - Bonehead Move

I'll assume it goes by date acquired, but I could be wrong.
by livesoft
Mon Dec 10, 2018 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting - Bonehead Move
Replies: 7
Views: 637

Re: Tax Loss Harvesting - Bonehead Move

So the loss on the first 50 shares sold will be disallowed. You make the adjustment and show this on your tax return.
by livesoft
Mon Dec 10, 2018 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend Reinvestment Messed Up Tax Loss Harvest
Replies: 3
Views: 225

Re: Dividend Reinvestment Messed Up Tax Loss Harvest

I created a thread about this. See: https://www.bogleheads.org/forum/viewtopic.php?t=179414 where a dividend reinvestment in a spouse's IRA created a wash sale and permanently disallowed a small loss. Screen captures in the thread of tax forms are shown. It is a really trivial situation to report.
by livesoft
Mon Dec 10, 2018 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Employer's Response: 401K Choices
Replies: 23
Views: 1431

Re: EMPLOYER'S RESPONSE: 401K Choices

I'm chuckling about the criteria they foisted on you about how they do selections. I'll bet it didn't come from the committee members independently per se, but from one of the salesreps. They sound plausible, but aren't they just BS?
by livesoft
Mon Dec 10, 2018 8:25 pm
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Estimated Year-End Distributions (Div & CG)
Replies: 26
Views: 1910

Re: Updated Vanguard Estimated Year-End Distributions (Div & CG)

indexonlyplease wrote:
Mon Dec 10, 2018 8:15 pm
Question: if you don't reinvest the dividends back into the fund does the fund still grow and how? Total stock market in taxed account.
Unrealized capital gains is what a price increase of the NAV is called. You may call it "the fund still grow."
by livesoft
Mon Dec 10, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting - Bonehead Move
Replies: 7
Views: 637

Re: Tax Loss Harvesting - Bonehead Move

What is the loss per share of the sale?

How many shares did you buy with your $1,000 in your Roth IRA?

As that livesoft thread showed, Vanguard will not flag this for you and you will have to calculate it on your own as shown in that livesoft thread.
by livesoft
Mon Dec 10, 2018 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Should I TLH my TSM
Replies: 1
Views: 155

Re: Should I TLH my TSM

So you donated shares of TSM that were held long-term and had gain, right? Yes, I would TLH any and ALL shares that are selling now for less than I paid for them. Shares that are selling now for more than I paid for them, I would not TLH. For the exchange, I would consider a large-cap index fund or ...
by livesoft
Mon Dec 10, 2018 6:51 pm
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Estimated Year-End Distributions (Div & CG)
Replies: 26
Views: 1910

Re: Updated Vanguard Estimated Year-End Distributions (Div & CG)

Does anyone know off-hand how dividends declared on Bond and Money Markets get gets handled when declared on 12/31/18 and payable on the 2nd or 3rd? Google knows. :) If a mutual fund (or other regulated investment company) or real estate investment trust (REIT) declares a dividend (including any ex...
by livesoft
Mon Dec 10, 2018 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Waiting Period for selling ETF for same Mutual Fund shares
Replies: 4
Views: 201

Re: Waiting Period for selling ETF for same Mutual Fund shares

The reality is that this probably depends on your broker. I would ignore any answer and just try it and see what happens. I'll just mention that the SEC-imposed settlement times are different for ETFs and mutual funds. I would imagine there would be no consequences if some rule was violated though b...
by livesoft
Mon Dec 10, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvesting for UTMA acoount
Replies: 8
Views: 407

Re: Tax gain harvesting for UTMA acoount

Yes it does. Pros: Get tax-free income. Learn how to fill out a tax return. Cons: None.
by livesoft
Mon Dec 10, 2018 11:44 am
Forum: Investing - Theory, News & General
Topic: TLH to purchase 2019 Roth
Replies: 5
Views: 248

Re: TLH to purchase 2019 Roth

Neither of those funds have paid a dividend yet in December, so selling today whatever it is you would be selling would obviate any consideration about the qualified thing. If you are buying those funds, then that's not increasing your cash position. But you can keep your cash in a Roth IRA, too, so...
by livesoft
Mon Dec 10, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: TLH to purchase 2019 Roth
Replies: 5
Views: 248

Re: TLH to purchase 2019 Roth

There is a 60 day holding period in order for any dividends associated with those shares to be considered qualified dividends and taxed at the long term cap gain rate. In case it is not clear, the holding period applies to the shares that paid the qualified dividend in the first place and any days ...
by livesoft
Mon Dec 10, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Harvesting a capital loss and what to do next?
Replies: 11
Views: 896

Re: Harvesting a capital loss and what to do next?

Yes, the tax-exempt fund would be better in my mind than the NOBOX fund and I don't see how anyone including the IRS would consider the tax-exempt fund substantially identical to NOBOX.
by livesoft
Mon Dec 10, 2018 8:56 am
Forum: Investing - Theory, News & General
Topic: USLT Ultrashort Term Bond
Replies: 6
Views: 455

Re: USLT Ultrashort Term Bond

Tell us the yield of USLT please and the expense ratio. I've used BIL (1-3 month Treasury ETF) and FLRN a floating rate note ETF. Both are commission free at TDAmeritrade if you avoid the 30-day thing. That's why I have two ETFs: I can avoid selling the one purchased in the last 30 days. I suppose I...
by livesoft
Mon Dec 10, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 86
Views: 4962

Re: Electric bill with LED

^I think this thread showed that you would probably not save $50 over the next year. I'm sitting here eating breakfast without a single light on in the house. Sunlight coming through the windows are enough for everything. I wonder if $50 would buy a headlamp (LED of course) and a small solar panel t...
by livesoft
Sun Dec 09, 2018 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Are 401k contribution percents on salary before or after FSA/HSA elections?
Replies: 10
Views: 788

Re: Are 401k contribution percents on salary before or after FSA/HSA elections?

Well, I will just say that I am absolutely wrong about all plans allowing a dollar amount. Thanks to everyone for setting me straight on that.
by livesoft
Sun Dec 09, 2018 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k Advice
Replies: 17
Views: 734

Re: Solo 401k Advice

Getting an EIN is trivial as well. Done online and almost easier than me typing this response. :)

I only have one EIN, so I don't see why 2 might be needed.

But keep the negative waves coming! -> https://www.youtube.com/watch?v=ncbEucjsNFU
by livesoft
Sun Dec 09, 2018 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k Advice
Replies: 17
Views: 734

Re: Solo 401k Advice

It is true that a solo 401(k) with more than $250K requires filing a form online. I do this. After the first time it takes about 5 minutes. The first time is where you read how to do it --- after that it is just changing a few easily obtained numbers each year. All is done online.
by livesoft
Sun Dec 09, 2018 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k Advice
Replies: 17
Views: 734

Re: Solo 401k Advice

I have a solo 401(k). There is essentially no paperwork, so I could not understand how a SEP could be easier because of paperwork. ;)
by livesoft
Sun Dec 09, 2018 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest w/ International Fund
Replies: 2
Views: 298

Re: Tax Loss Harvest w/ International Fund

One doesn't have to hold qualified dividends for 61 days. For qualified dividends to remain qualified, one has to hold the shares that paid the dividends for at least 61 days out of a 121 day period. Since you held the shares for the 60 days before the dividend is was paid, they should still be qual...
by livesoft
Sun Dec 09, 2018 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund for UTMA Accounts
Replies: 10
Views: 362

Re: Mutual Fund for UTMA Accounts

indexonlyplease wrote:
Sun Dec 09, 2018 3:08 pm
How do you find how much someone can sell?
You use current tax prep software and do a "What if?" tax return with possible sales.
by livesoft
Sun Dec 09, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?
Replies: 36
Views: 2728

Re: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?

At a typical research university, guideline says one needs to have certain research accomplishment to get tenure (or one will be fired). For readers of this thread, a researcher with grants at a typical research university will request their summer pay in their grants if the university is not payin...
by livesoft
Sun Dec 09, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for older and younger person saving for retirement?
Replies: 26
Views: 1815

Re: Advice for older and younger person saving for retirement?

Does the 401(k) at Publix have a Roth 401(k) option? Does the 401(k) at Publix have a matching option? That's different from the ESOP. For instance, if she contributed nothing to the 401(k), would she still get the ESOP contribution? Is she paying any income taxes? If so, there may be ways to avoid ...
by livesoft
Sun Dec 09, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund for UTMA Accounts
Replies: 10
Views: 362

Re: Mutual Fund for UTMA Accounts

I would suggest you dispense with the idea of holding forever. At a minimum, you should desire to tax-gain harvest every thing that you can each year if your children can avoid paying taxes on the gains. You have a fiduciary duty to do so. https://www.bogleheads.org/wiki/Tax_gain_harvesting
by livesoft
Sun Dec 09, 2018 12:17 pm
Forum: Investing - Theory, News & General
Topic: does the 4% withdrawal guideline include dividends?
Replies: 43
Views: 2909

Re: does the 4% withdrawal guideline include dividends?

Yes, the 4% withdrawal guideline includes dividends.

Also investment expenses (fund expense ratios and otther fees) are included in the 4% as are taxes.
by livesoft
Sun Dec 09, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting, Fidelity round-trip violation
Replies: 7
Views: 640

Re: Tax loss harvesting, Fidelity round-trip violation

Fidelity has early redemption fees on many of its index funds in the past, so maybe that is what you are talking about? A round-trip is not a violation at other brokers that i am aware of except they will charge you an additional fee in many instances. For example, all those no-commission ETFs often...
by livesoft
Sun Dec 09, 2018 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Has anyone adjusted their stock allocation on the dip?
Replies: 39
Views: 3211

Re: Has anyone adjusted their stock allocation on the dip?

Yes, I always adjust my stock allocation on the dip.
by livesoft
Sun Dec 09, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?
Replies: 36
Views: 2728

Re: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?

While working, I didn't have a lot of vacation days, but they were adequate. But since you like outdoor activities, I see no reason why you couldn't take an extended solo backpacking trip. I spent November backpacking by myself and it cost quite a lot less than $5,000. I paid for only 2 hotel nights...
by livesoft
Sat Dec 08, 2018 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed income position for current market ?
Replies: 1
Views: 344

Re: Fixed income position for current market ?

Bond funds went up 1% and more over the past month. Cash did not do that. I think selling bond funds now and switching to cash could be locking in losses. Essentially, one should have the fortitude to buy low and that includes bond funds. I have a few bond funds that have made some money in 2018. Fo...
by livesoft
Sat Dec 08, 2018 9:17 pm
Forum: Investing - Theory, News & General
Topic: Tax ramification question
Replies: 12
Views: 1159

Re: Tax ramification question

You’ll need to pay the taxes via estimated payments, withholdings (could be from a W2 job) or meet certain requirements (90% of tax withheld or 100/110% of last years tax bill withheld) or you’ll face a penalty. Right. One must understand the safe harbor rules when it comes to paying taxes. A quart...
by livesoft
Sat Dec 08, 2018 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Which fund for 2nd tier EF?
Replies: 6
Views: 492

Re: Which fund for 2nd tier EF?

Why an emergency fund at all? Why not just have 100% equities in your taxable account?
by livesoft
Sat Dec 08, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz next podcast guest
Replies: 14
Views: 1475

Re: Christine Benz next podcast guest

Ms Benz has evolved into one of the leading proponents of a bucket strategy. What drives her to keep recommending buckets? She has no clients to keep assuaged, right? Does a Morningstar committee sit around and approve all her advice ahead of time?
by livesoft
Sat Dec 08, 2018 6:47 pm
Forum: Investing - Theory, News & General
Topic: Difference between Fidelity Total Bond & US Bond Index
Replies: 6
Views: 392

Re: Difference between Fidelity Total Bond & US Bond Index

With bond funds, it is a given that higher performance goes with higher risk (lower average credit rating and longer average maturity). What you really might want to look at is risk-adjusted return. Of these two funds, one is not an index fund, so add manager risk, too. A risk level of 3 by M* means...
by livesoft
Sat Dec 08, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to Understand the Ramifications of My Accidental Wash Sale
Replies: 5
Views: 360

Re: Trying to Understand the Ramifications of My Accidental Wash Sale

Vanguard.com does a pretty good job of indicating in your online account if you have made a wash sale, what the disallowed loss is, and where the disallowed loss went. For help with deciphering the information presented see this thread: https://www.bogleheads.org/forum/viewtopic.php?t=179414 If no w...
by livesoft
Sat Dec 08, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Are 401k contribution percents on salary before or after FSA/HSA elections?
Replies: 10
Views: 788

Re: Are 401k contribution percents on salary before or after FSA/HSA elections?

FWIW, we never used a percentage, but used a dollar amount. And we changed the amount whenever we wanted to. I doubt that one can only use a percentage. There must be a way to use a dollar amount. Sometimes the dollar amount set would result in a negative paycheck. Believe me, HR always has time to ...
by livesoft
Sat Dec 08, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in 2 weeks, Traditional 401k
Replies: 98
Views: 6396

Re: Retiring in 2 weeks, Traditional 401k

After reading through many of the posts in this thread, I would like to recommend that the OP get a book from the library and read it. They should have the parents read it as well. The book is Jane Bryant Quinn's "How to Make Your Money Last." The book will give an excellent overview of all the thin...
by livesoft
Sat Dec 08, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Best Re-balancing technique . . .
Replies: 20
Views: 1364

Re: Best Re-balancing technique . . .

MikeT wrote:
Sat Dec 08, 2018 2:09 pm
Is the 5% thing between USA vs. International Vs. Bonds?
The 5% thing is anything you want it to be. That's the deal with rebalancing: Most of it just doesn't matter at all.
by livesoft
Sat Dec 08, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity equivalent of Vanguard Admiralty?
Replies: 4
Views: 413

Re: Fidelity equivalent of Vanguard Admiralty?

See https://www.bogleheads.org/wiki/Fidelity

But also right on the splash page of Fidelity.com Fidelity makes a comparison of their index funds to Vanguard index funds. I guess if I was the head of Fidelity marketing I would have to kill myself for being such a failure.
by livesoft
Sat Dec 08, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Best Re-balancing technique . . .
Replies: 20
Views: 1364

Re: Best Re-balancing technique . . .

If you have to use a spreadsheet with a Merriman portfolio, then you have got something wrong. A Merriman portfolio should be pretty simple to deal with. I showed in this thread how I can do things without a spreadsheet: https://www.bogleheads.org/forum/viewtopic.php?t=150267 BTW, this month your po...
by livesoft
Sat Dec 08, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: How to know what expected price is for index funds/ETFs?
Replies: 4
Views: 276

Re: How to know what expected price is for index funds/ETFs?

I will just note that Vanguard does not set prices. Prices are set by what someone else is willing to pay for a share, so in reality it is people like you that set the price. Clearly, you are not willing to buy VTI at $1,000,000 a share. One can write about P/E and other metrics, but in the end, the...
by livesoft
Sat Dec 08, 2018 9:51 am
Forum: Investing - Theory, News & General
Topic: Vanguard Automatic Transactions for 12/06/2018 delayed a day (with backdating)
Replies: 12
Views: 1442

Re: Warning: Problem with Vanguard Automatic Transactions for 12/06/2018

Can anyone report whether any other financial institution had problems like this please? Fidelity? Schwab? TDAmeritrade? Et al.?
by livesoft
Sat Dec 08, 2018 8:13 am
Forum: Investing - Theory, News & General
Topic: Benchmark for Tax Equivalent Yield?
Replies: 8
Views: 621

Re: Benchmark for Tax Equivalent Yield?

When you write "ten-year performance" is that really 10-year yield or is that total return which includes capital gains/losses, too? You may wish to use triceratop's spreadsheet for a more complete analysis and better understanding of how things are taxed: https://www.bogleheads.org/forum/viewtopic....
by livesoft
Fri Dec 07, 2018 7:50 pm
Forum: Investing - Theory, News & General
Topic: Buy I-bonds Jan 1 or May 1?
Replies: 6
Views: 729

Re: Buy I-bonds Jan 1 or May 1?

Who knows? Or who can predict the future? What is the money going to be doing if you wait 6 months anyways? Maybe one should buy I-bonds at all?
by livesoft
Fri Dec 07, 2018 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Quick Wash Sale Question
Replies: 6
Views: 377

Re: Quick Wash Sale Question

Does it matter that I also have VTSAX in tIRA and Roth IRA? No recent purchases there, but would I have to sell out of those positions a day before too? Bottom line I guess ... even if I did have a partial wash sale, if it's less than $100 or so, I'm thinking "who cares?". So $4,900 of my $5,000 lo...
by livesoft
Fri Dec 07, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Quick Wash Sale Question
Replies: 6
Views: 377

Re: Quick Wash Sale Question

I am not a lawyer and I don't work for the IRS or the US Government. You would have a partial wash sale, but you are miscalculating the dollar amount of the loss that would be disallowed. The $1200 probably involves only about 18.??? shares of VTSAX and the loss on only those 18.??? shares would be ...
by livesoft
Fri Dec 07, 2018 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Harvesting a capital loss and what to do next?
Replies: 11
Views: 896

Re: Harvesting a capital loss and what to do next?

I would take this opportunity to change the portfolio to be more tax efficient. It is unlikely that a million dollars in a taxable bond fund in a taxable account is in the best interest of the taxpayer. Go ask a CPA about that. I see you have not requested overall portfolio advice, but good advice c...
by livesoft
Fri Dec 07, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Unexpectedly subjected to my first Edward Jones sales-pitch...
Replies: 15
Views: 1603

Re: Unexpectedly subjected to my first Edward Jones sales-pitch...

LiterallyIronic wrote:
Fri Dec 07, 2018 5:52 pm
Ugh. How'd that guy even get a table at the event?
Chick-fil-A for the win.
by livesoft
Fri Dec 07, 2018 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio choices?
Replies: 7
Views: 389

Re: Portfolio choices?

I think the OP was looking for some simple advice. I see now that some of the advice has gotten complicated with no special benefit. For instance, portfolio visualizer cannot predict the future and has flaws of using only month-end numbers to look at the past.