Search found 82293 matches

by livesoft
Fri Mar 24, 2023 8:43 pm
Forum: Personal Consumer Issues
Topic: good camping sites for beginners in new york/new england?
Replies: 5
Views: 289

Re: good camping sites for beginners in new york/new england?

I'd start in your backyard if you have one. Then maybe graduate to the closest state park because you can probably park your vehicle next to your tent. Or are you intending to stay in a recreational vehicle? Some people want toilets, showers, and running potable water, but those things are something that are not required for others.
by livesoft
Fri Mar 24, 2023 8:36 pm
Forum: Personal Consumer Issues
Topic: Mail in passport renewal
Replies: 17
Views: 791

Re: Mail in passport renewal

KlangFool wrote: Fri Mar 24, 2023 8:30 pm
livesoft wrote: Fri Mar 24, 2023 8:25 pm USPS and Bundespost.
Do you use priority mail of the USPS?

Thanks.

KlangFool
No. My spouse got a renewal recently in 6 weeks.
by livesoft
Fri Mar 24, 2023 8:27 pm
Forum: Non-US Investing
Topic: Is European real estate market collapsing?
Replies: 10
Views: 967

Re: Is European real estate market collapsing?

Starfish wrote: Fri Mar 24, 2023 7:21 pm
livesoft wrote: Fri Mar 24, 2023 4:33 pm Literally: Buildings in Turkey have collapsed.
Different continent, mostly. But thanks for strengthening the stereotype :D
You are welcome. I'm totally the stereotype having lived in Europe and stayed in Turkey on both sides of the Bosphorus.
by livesoft
Fri Mar 24, 2023 8:25 pm
Forum: Personal Consumer Issues
Topic: Mail in passport renewal
Replies: 17
Views: 791

Re: Mail in passport renewal

USPS and Bundespost.
by livesoft
Fri Mar 24, 2023 6:29 pm
Forum: Personal Investments
Topic: Employer t401k was auto switched to a different fund? Please help?
Replies: 56
Views: 2569

Re: Employer t401k was auto switched to a different fund? Please help?

Vanguard User wrote: Thu Mar 23, 2023 8:57 pmShould I stick to these funds and allocation?
Sure, why not?


As an aside, I am amused that the change was 7 months ago and you are asking this now.
by livesoft
Fri Mar 24, 2023 4:33 pm
Forum: Non-US Investing
Topic: Is European real estate market collapsing?
Replies: 10
Views: 967

Re: Is European real estate market collapsing?

Literally: Buildings in Turkey have collapsed.
by livesoft
Fri Mar 24, 2023 4:20 pm
Forum: Personal Investments
Topic: Asking for Clarification [Wellington vs. Wellesley]
Replies: 7
Views: 578

Re: Asking for Clairification

Distributions are not just from fixed income dividends or interest. Distributions can be from realized capital gains that the fund managers have created.
by livesoft
Fri Mar 24, 2023 10:08 am
Forum: Personal Investments
Topic: Real Estate Sell Off
Replies: 13
Views: 2127

Re: Real Estate Sell Off

Some people I know have the spouse get a real estate license. They sell their primary home and get the capital gains exclusion and move into one of their other houses for a little while to get the capital gains exclusion for it, then repeat.
by livesoft
Thu Mar 23, 2023 7:42 pm
Forum: Personal Investments
Topic: Fidelity advisors keep calling me
Replies: 23
Views: 2073

Re: Fidelity advisors keep calling me

We don't have a landline anymore. It is trivial to block the Fidelity phone number on my cell phone, so I have done so.
by livesoft
Thu Mar 23, 2023 3:02 pm
Forum: Personal Investments
Topic: Gifting Brokerage Account
Replies: 28
Views: 1932

Re: Gifting Brokerage Account

6d1v7x3 wrote: Thu Mar 23, 2023 2:56 pm Just so everyone knows I bought these shares back when they were worth more than they are now. So that means I'd be gifting unrealized capitol losses? Sorry for my ignorance. Does the fact that my family member won't be selling matter? Thank you again for your help.
Why not sell them and gift the cash?
by livesoft
Thu Mar 23, 2023 2:48 pm
Forum: Personal Investments
Topic: Gifting Brokerage Account
Replies: 28
Views: 1932

Re: Gifting Brokerage Account

6d1v7x3 wrote: Thu Mar 23, 2023 1:57 pmCan you please tell me what the rules are for unrealized losses? Thank you.
Sorry, I cannot as I have never had to do that, so I have not studied them.
by livesoft
Thu Mar 23, 2023 2:45 pm
Forum: Personal Investments
Topic: How to cut ties with Advisor
Replies: 6
Views: 715

Re: How to cut ties with Advisor

Conveniently, this was just posted a few days ago: viewtopic.php?t=400421
by livesoft
Thu Mar 23, 2023 4:50 am
Forum: Personal Investments
Topic: Gifting Brokerage Account
Replies: 28
Views: 1932

Re: Gifting Brokerage Account

A lot of the comments assume there are unrealized capital gains, but there could be unrealized capital losses. The rules are a little different if one gifts shares that have unrealized losses.
by livesoft
Wed Mar 22, 2023 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to pay for college
Replies: 21
Views: 2031

Re: Best way to pay for college

Note enough info. Is your family eligible for the American Opportunity Tax Credit? The Lifetime Learning Credit? Other education tax credits?
by livesoft
Wed Mar 22, 2023 4:41 pm
Forum: Investing - Theory, News & General
Topic: VTI Buy Limit Orders from Vanguard Brokerage / Emergency Fund Account
Replies: 21
Views: 1344

Re: VTI Buy Limit Orders from Vanguard Brokerage / Emergency Fund Account

JenniferW wrote: Wed Mar 22, 2023 4:22 pmBut with this setup I am guaranteed a near 5% return with potential of buying VTI at nice discounts as well. Seems like a win for 25% of an emergency fund.
What do you mean "Seems like a win"?? If all those orders execute, then with the last order executing at $160, you will have lost some money.

Instead of submitting limit orders, maybe just have your brokerage send you an alert if VTI trades at those prices, so that you can at that point in time decide what to do?
by livesoft
Wed Mar 22, 2023 4:21 pm
Forum: Investing - Theory, News & General
Topic: VTI Buy Limit Orders from Vanguard Brokerage / Emergency Fund Account
Replies: 21
Views: 1344

Re: VTI Buy Limit Orders from Vanguard Brokerage / Emergency Fund Account

I like that you are doing this. I am sure you will learn something from it.
by livesoft
Wed Mar 22, 2023 4:18 pm
Forum: Personal Consumer Issues
Topic: Do you tip at Starbucks/Dunkin Donuts?
Replies: 138
Views: 8083

Re: Do you tip at Starbucks/Dunkin Donuts?

Miriam2 wrote: Wed Mar 22, 2023 4:14 pm
livesoft wrote: Wed Mar 22, 2023 3:45 pm Nope, never. But that's probably because I never patronize these establishments.
Oh livesoft - next holiday season, just for a little treat, go in or drive through Starbucks & order a hot Peppermint Mocha Frappuccino - I'll pay :D
Noted. Thanks! :)
by livesoft
Wed Mar 22, 2023 3:45 pm
Forum: Personal Consumer Issues
Topic: Do you tip at Starbucks/Dunkin Donuts?
Replies: 138
Views: 8083

Re: Do you tip at Starbucks/Dunkin Donuts?

Nope, never. But that's probably because I never patronize these establishments.
by livesoft
Wed Mar 22, 2023 3:17 pm
Forum: Personal Consumer Issues
Topic: Beach trip recommendations - Gulf Coast (Not Tx/FL)
Replies: 23
Views: 1846

Re: Beach trip recommendations - Gulf Coast (Not Tx/FL)

joechristmas wrote: Wed Mar 22, 2023 1:42 pm Bolivar - Pro: Quiet; Con: Not easy to get to
[...]
Thanks, been to all those more than once over the past 45 years. Our favorite is Mustang Island halfway between Port A and Corpus. I don't care about "recreation" myself as just running in the morning along the deserted shoreline is all I need. But folks can play golf in Corpus and take fishing trips out of Port A. A plus is that the sand there is superb for sand castle building because the amount of silt and oil allows for towering structures that you cannot make with sand from other beaches.
by livesoft
Wed Mar 22, 2023 1:32 pm
Forum: Personal Consumer Issues
Topic: Beach trip recommendations - Gulf Coast (Not Tx/FL)
Replies: 23
Views: 1846

Re: Beach trip recommendations - Gulf Coast (Not Tx/FL)

Since you've been to the Texas beaches already, I would not mind reading a sentence or two about all the ones you have been to with one good point and one bad point about each of them. Thanks!
by livesoft
Wed Mar 22, 2023 11:30 am
Forum: Investing - Theory, News & General
Topic: Risk of being out of the market
Replies: 26
Views: 3323

Re: Risk of being out of the market

If one can make partial transfers as already noted AND if one is not 100% equities, then doing a transfer can be easy. Repeat until done: 1. Transfer existing cash allocation. In existing account: Sell some bond fund shares when bond funds are not volatile or they have popped. For instance, today the FOMC has a press conference and something will happen to bond fund shares later today, so it could be a good day or not. 2. Transfer cash from sold funds. 3. After successful transfer: Exchange bonds+cash into equity funds in new account. On same day in old account: Exchange equity funds into cash. 4. Repeat Steps 2 and 3. Until all transferred. There would no zero days that hasn't kept equity allocation intact and a maybe a few days when bond ...
by livesoft
Wed Mar 22, 2023 10:06 am
Forum: Investing - Theory, News & General
Topic: How to optimize disallowed loss carryover
Replies: 3
Views: 325

Re: Disallowed loss carryover

I think an answer would be:

1. Import your 1099-B into your tax-prep software.

2. Your tax-prep software will do the right thing. Look at your Form 1040 Schedule D to understand what your tax-prep software did.

Remember (after wash sale losses are used to adjust cost basis and in doing so become unrealized):
a. Long-term loss offset Long-term gains.
b. Short-term loss offset Short-term gains.
c. Leftover losses offset leftover gains.
d. Any more leftover losses offset up to $3,000 of ordinary income (i.e. you already offset ALL realized capital gains)
e. Any more leftover losses get carried over the the next year.

I think you have assume that the short cannot offset long and that long cannot offset short. They can as described above.
by livesoft
Tue Mar 21, 2023 3:57 pm
Forum: Personal Consumer Issues
Topic: Lawn Care Advice
Replies: 10
Views: 913

Re: Lawn Care Advice

By "push mower" do you really mean a self-propelled walk-behind mower? I use my sport watch to time my mowing activity and distance walked. It isn't even 30 minutes a week, but I could do front and back on different days for say 15 minutes each.
by livesoft
Tue Mar 21, 2023 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Tax software preventing me to e-file
Replies: 9
Views: 1019

Re: H&R Tax software preventing me to e-file

nisiprius wrote: Tue Mar 21, 2023 6:44 am.... Single-sided on quality paper mailed flat.
FWIW, we save to a PDF and in anticipation of printing doubled-sided, we may add the occasional blank page for our own convenience (easy to do with any PDF editor including Preview on Mac/OSX). Many forms are 2-sides anyways as they come from the IRS if you got the hardcopy forms from the library or post office. That includes Form 1040, Schedule 1, 2, 3, .... So printing double-sided is our M.O.
by livesoft
Tue Mar 21, 2023 6:11 am
Forum: Personal Finance (Not Investing)
Topic: H&R Tax software preventing me to e-file
Replies: 9
Views: 1019

Re: H&R Tax software preventing me to e-file

Murdock7591 wrote: Tue Mar 21, 2023 5:54 am The best solution for me is to e-file without the K-1 information and then ....
I would've thought the best solution would be to print and mail your return.

For 2021, we got the automatic extension, printed our return / mailed in October and received a refund in early December. That is, I did not think mailing in our return delayed our refund at all.
by livesoft
Tue Mar 21, 2023 5:57 am
Forum: Personal Consumer Issues
Topic: Where to snorkel, when? Snorkeling resources?
Replies: 56
Views: 2893

Re: Where to snorkel, when? Snorkeling resources?

Have you heard of Hawaii or the Virgin Islands, say Virgin Gorda? Those will cover Pacific species and Caribbean species. Walk from your condo down to the reef and snorkel every morning before the water becomes unclear and the tourists show up and the sharks are chased away.
by livesoft
Tue Mar 21, 2023 5:41 am
Forum: Personal Consumer Issues
Topic: Home maintenance list for first time home owners
Replies: 24
Views: 2107

Re: Home maintenance list for first time home owners

Watch YouTube videos for everything you intend to do. We have washable permanent HVAC air filters. I take one out, drop it on the carpet, and run a vacuum cleaner over it as if it was a rug. Maybe wash it every 5 years. Professional for lawn? No. Aerate yard? Never. Professional to check HVAC? No. Clean fins? Never. Drain water heaters? Never. If your HVAC has a condensate water line, then make sure it is does not get clogged by mold. Some folks pour bleach down the line through the opening provided for that. I've added $3 leave/debris strainers to the openings of our gutter downspouts. They reduce gutter cleaning (easy on our home: ladder and glove) to about once a year. Garage door opener: When it breaks I fix it myself. We have digital w...
by livesoft
Mon Mar 20, 2023 4:18 pm
Forum: Personal Investments
Topic: Selling Money Market Funds before distribution date
Replies: 7
Views: 714

Re: Selling Money Market Funds before distribution date

Right. Also the same happens with bond funds like VBTLX, but not with BND. Check the prospectus.
by livesoft
Mon Mar 20, 2023 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Deluxe TurboTax and my first time dealing with Vanguard Brokerage account?
Replies: 18
Views: 1216

Re: Deluxe TurboTax and my first time dealing with Vanguard Brokerage account?

I would start by importing the two 1099s into my tax-prep software and go from there. I would not enter by hand unless the tax-prep software does not allow importing via the internet. I use desktop versions and not phone-app versions.
by livesoft
Mon Mar 20, 2023 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Doing taxes each year is really hard, is it for you?
Replies: 127
Views: 8980

Re: Doing taxes each year is really hard, is it for you?

Ever since Congress passed a tax reform bill ("We want to make tax filing so simple that ‘it would fit on a postcard’.") doing taxes each year has become really easy.
by livesoft
Mon Mar 20, 2023 6:36 am
Forum: Personal Investments
Topic: Morningstar Comparison Chart
Replies: 7
Views: 838

Re: Morningstar Comparison Chart

ResearchMed wrote: Mon Mar 20, 2023 6:09 amWhat is happening to Morningstar?

The Discussion Forums seem to be disappearing, too.
(At least, the one about TIAA seems to be MIA.)
Encyclopedias are no longer sold door-to-door.

Older people are dying. Younger people are using reddit. In 20 years if you are still around, you may be asking the same question about bogleheads.org.
by livesoft
Sun Mar 19, 2023 6:43 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Suburu Forrester or other SUV
Replies: 125
Views: 14141

Re: Honda CRV or Suburu Forrester or other SUV

keinodoggy wrote: Sun Mar 19, 2023 6:24 pmI walked into the dealership, they had several new 2023 Foresters. We drove a Limited and loved it. The latest generation is a big step up in comfort from earlier Foresters. Dealer gave me $750 below MSRP. Drove out the same day in my new Subaru.
Sorry that is being coy. You paid over MSRP because of other things added, such at TTL, Documentation, Delivery, and what not. Is there a problem reporting what I asked for which were two dollar amounts please?
by livesoft
Sun Mar 19, 2023 6:17 pm
Forum: Personal Consumer Issues
Topic: What Car To Get?
Replies: 27
Views: 3104

Re: What Car To Get?

New tires are inexpensive compared to buying new tires connected to a new car. Based on your annual mileage, I would not bother get a new car until you learned the cost of passing inspection.
by livesoft
Sun Mar 19, 2023 6:12 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Suburu Forrester or other SUV
Replies: 125
Views: 14141

Re: Honda CRV or Suburu Forrester or other SUV

keinodoggy wrote: Sun Mar 19, 2023 5:43 pmJust bought a new 2023 Forester Limited. It is extremely quiet, comfortable and smooth driving. As good as my Outback.
OK, but what was the OTD price and the taxes? I ask because my neighbor is shopping and told me all the outrageous prices that he was quoted when he went to dealers. Outrageous means more than 30% more than what we paid for a 2021 Honda CR-V and he will have to wait weeks, if not months, to have the car delivered.
by livesoft
Sun Mar 19, 2023 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Requesting confirmation on Form 1116 - Foreign tax credit
Replies: 7
Views: 485

Re: Requesting confirmation on Form 1116 - Foreign tax credit

Do you have ANY US income tax liability? Your income is low enough that I can see that you don't pay any US income taxes. Or maybe at most you had a liability of $250 of US taxes, so you got $250 in a foreign tax credit to offset that $250 and now have zero US income tax liability.
by livesoft
Sun Mar 19, 2023 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: At the risk of provoking ire, could this be the 1% case? [Life insurance]
Replies: 47
Views: 3404

Re: At the risk of provoking ire, could this be the 1% case?

I didn't see anything in your post to make you the 1%. Do you have a net worth of $20 million and more, so will have some estate issues?

You can self-insure your death, so why have any life insurance at all?
by livesoft
Sun Mar 19, 2023 2:43 pm
Forum: Personal Investments
Topic: Turn off Dividend Reinvestment w Vanguard
Replies: 4
Views: 676

Re: Turn off Dividend Reinvestment w Vanguard

Drill down from "account level" settings to "holding settings." I'm not going to look now because this was shown in the past week or so, thus I think you can find it. You certainly do not need to reinvest BND dividends.
by livesoft
Sun Mar 19, 2023 2:07 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas with under 2 toddler
Replies: 69
Views: 4089

Re: Vacation ideas with under 2 toddler

Jags4186 wrote: Sun Mar 19, 2023 1:35 pmI have a sister with a 3 and 7 year old, but they are how shall we say, in a different tax bracket than we are. Our vacations would never align with what they do.
That works both ways and I cannot tell what you mean. My relatives are "private-jet wealthy" and have always been happy to host us. OTOH, we are happy to reciprocate despite our meager income.
by livesoft
Sun Mar 19, 2023 1:31 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas with under 2 toddler
Replies: 69
Views: 4089

Re: Vacation ideas with under 2 toddler

Jags4186 wrote: Sun Mar 19, 2023 1:28 pmYes, we use my mother’s beach house quite a bit. But my wife’s idea of a vacation is not being around her MIL. To me its, great. She’ll take him and we’ll get to go out to eat on our own time line. But you can’t fight city hall.
Send your mom away on her own vacation away from her beach house when you go there. :twisted:

Do either you or your spouse have siblings with toddlers?
by livesoft
Sun Mar 19, 2023 1:24 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas with under 2 toddler
Replies: 69
Views: 4089

Re: Vacation ideas with under 2 toddler

I didn't read the other responses, but if they don't have
Beach
Relatives
then they should be at the top of the possibilities. In particular, relatives with toddlers who own a beach house is the way to go. :twisted:

In a pinch, substitute "Friends" for "Relatives."
by livesoft
Sun Mar 19, 2023 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Doing taxes each year is really hard, is it for you?
Replies: 127
Views: 8980

Re: Doing taxes each year is really hard, is it for you?

Taxes are still easy for me because the tax-prep software does a good job and I guess because I have not used crypto. Also the IRS instructions provided for free help explains things that tax-prep software glosses over, so I have often read the IRS instructions for Form 1040, its Schedules, and the other forms I need to use. That includes the Schedule C I fill out for my Sole Proprietor business. For instance, "backdoor Roth" is some useless term coined somewhere on the internet I suppose. One is making a nondeductible traditional IRA contributions and a Roth conversion. If one does either one of those, then it is rather obvious what to do. So I think doing each of them separately in t he same tax return is rather obvious of what ...
by livesoft
Sun Mar 19, 2023 8:41 am
Forum: Personal Investments
Topic: Did I give my parents bad advice? VASIX
Replies: 27
Views: 3204

Re: Did I give my parents bad advice? VASIX

You did not give bad advice. If you feel guilty, then give your parents $30,000.
by livesoft
Sun Mar 19, 2023 8:07 am
Forum: Personal Investments
Topic: Morningstar Comparison Chart
Replies: 7
Views: 838

Re: Morningstar Comparison Chart

Maybe try portfoliovisualizer.com instead. It only has monthly date, but that might be all you need for what you are trying to do.
by livesoft
Sat Mar 18, 2023 8:18 pm
Forum: Personal Consumer Issues
Topic: Lightweight Gortex Raincoat
Replies: 12
Views: 1173

Re: Lightweight Gortex Raincoat

Technology has moved on. If you believe your jacket will not be subject to abrasion and other abuse, then you probably want a Gore-Tex Shakedry jacket. Get one now because they will probably not be produced much in the future.
by livesoft
Sat Mar 18, 2023 5:12 pm
Forum: Personal Investments
Topic: [VTI/VTSAX continue their downward spiral]
Replies: 20
Views: 3070

Re: [VTI/VTSAX continue their downward spiral]

Since we aren't spring chickens anymore, we don't need our money to last as long anyways. So stock market movements really don't matter anymore.
by livesoft
Sat Mar 18, 2023 5:01 pm
Forum: Personal Consumer Issues
Topic: Google Pixel 7 phone questions
Replies: 12
Views: 1238

Re: Google Pixel 7 phone questions

On my Pixel 6a, if I click the power button, the display goes dark and my phone is locked, but the phone does not turn off. If I want to power off the phone, I have to press and hold the power button.
by livesoft
Sat Mar 18, 2023 4:23 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 5527
Views: 554955

Re: Small Cap Value heads Rejoice !!!

er999 wrote: Sat Mar 18, 2023 3:01 pmAmazing to hear almost day trading advocated for on bogleheads by one of its most prominent posters.
I won't tell you what I did with BND then this past week. :twisted:
by livesoft
Sat Mar 18, 2023 2:18 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 5527
Views: 554955

Re: Small Cap Value heads Rejoice !!!

I've always been curious about SCV tilting but it seems like timing is everything for this asset class. Do you guys think now is a good time for a SCV tilt with the small bank failures plastered all over the news, or is there further down to go? I really can't tell how serious of a crisis it is. Edit: This would be a permanent tilt if I were to do it. So I'm not market timing but just want to make sure I get a reasonably decent entry point. I cannot predict whether there is further down to go. I think one can have a base position in SCV, but that one needs to buy more on RBDs and sell those newly bought shares within days or weeks. Rinse and repeat. For example, if this coming week there is an RBD, then I'm buying. If no RBD happens, then ...
by livesoft
Sat Mar 18, 2023 11:48 am
Forum: Personal Investments
Topic: I am now FULLY Indexed, and at DIRT CHEAP costs (Portfolio Review)
Replies: 31
Views: 3413

Re: I am now FULLY Indexed, and at DIRT CHEAP costs (Portfolio Review)

Since you have accounts at both Vanguard and Fidelity, what does the display from Portfolio Watch and from Fidelity GPS tell you? Do they match? Do not forget to enter the Fidelity info at Vanguard and vice versa.

Example:
Image
by livesoft
Sat Mar 18, 2023 11:02 am
Forum: Personal Consumer Issues
Topic: name on county tax records
Replies: 9
Views: 671

Re: name on county tax records

Carefreeap wrote: Sat Mar 18, 2023 10:44 am[...]
Generally the beneficary of an irrevokable Trust is entitled to a copy of the Trust. You are likely entitled to an accounting of the Trust but management is very state specific. Please edit your original post with what state your father lived in and where the property is located.

Presumably the Trustee is one of your brothers? Are there other heirs?
The OP did not state they were a beneficiary, did they? I think can that being a potential underlying issue.