Search found 57954 matches

by livesoft
Tue Jan 16, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: rebalancing in a taxable account
Replies: 3
Views: 438

Re: rebalancing in a taxable account

You are not overthinking it because it appears there is no other way out ... unless ... You donate shares with LTCG to your Donor Advised Fund (they were all the rage in the last week of December) ... or ... Give some shares to others (like me or maybe family members) who can benefit while being in ...
by livesoft
Tue Jan 16, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Got raise. Taxes taking 41% of it?
Replies: 26
Views: 2744

Re: Got raise. Taxes taking 41% of it?

The OP could put the entire raise into their 401(k) and thus not have 41% taken out.
by livesoft
Tue Jan 16, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to max out 401k
Replies: 15
Views: 986

Re: How to max out 401k

True-up is important because if your company does not do the true-up and only matches on a per paycheck basis, then getting the maximum possible match is more difficult than contributing the maximum possible to the 401(k). That's because if one hits the maximum possible deferral (aka employee contri...
by livesoft
Tue Jan 16, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax Forms Now Online
Replies: 38
Views: 1942

Re: Vanguard Tax Forms Now Online

I'd rather have my 1099s done right the first time than to be the first on my block to file my tax return. But every year on bogleheads.org it's like kicking an ant nest when the 1099s come out. Everybody knows there are mistakes in them and everybody knows they don't really need to get them until M...
by livesoft
Tue Jan 16, 2018 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax Forms Now Online
Replies: 38
Views: 1942

Re: Vanguard Tax Forms Now Online

Am I missing something ??? Yes, get better tax software which will help guide you when Box 2A is empty and 2B checked, so that you do not need to put a number in Box 2A. Also tax software does not stop one from reading the IRS instructions. And yes, financial institutions send out incorrect 1099s a...
by livesoft
Tue Jan 16, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets equities went sideways for 50 years 1920-70
Replies: 21
Views: 1383

Re: Emerging Markets equities went sideways for 50 years 1920-70

Please name the top 10 EM stocks available in 1920, 1930, 1940, 1950. If there were less than 10 total EM stocks, just name them instead. Let's see what we are really talking about here. Thanks!
by livesoft
Tue Jan 16, 2018 3:37 pm
Forum: Investing - Theory, News & General
Topic: Case study Broker trade executions
Replies: 168
Views: 18744

Re: Case study Broker trade executions

^Thanks for that info. Re: MOC. There are issues with MOC orders, so I would avoid them myself. But your broker will do executions at the market opening cross without any special order as has been shown in this thread. That is, one doesn't specify market-on-open orders if they want to execute at the...
by livesoft
Tue Jan 16, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Tax implications of rebalancing
Replies: 7
Views: 468

Re: Tax implications of rebalancing

Yes, this will create taxes for you unless your taxable income is so low that you won't pay taxes which is possible. I would not buy Wellesley in a taxable account unless you like to pay even more taxes. That fund is actively managed and what I would call moderately tax-inefficient. If we knew a lot...
by livesoft
Tue Jan 16, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: How can I become a better consumer?
Replies: 14
Views: 923

Re: How can I become a better consumer?

I have a few rules: 1. No new technology unless an old piece of tech gets tossed. This means constant number of devices which is basically laptop and phone. No new gizmos. 2. Only buy food, so it comes in the house and out of the house via the toilet. Otherwise, no new stuff in the house. 3. One can...
by livesoft
Tue Jan 16, 2018 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Gifted $1,000: Max out Roth or go towards smaller balances on credit cards?
Replies: 10
Views: 386

Re: Gifted $1,000: Max out Roth or go towards smaller balances on credit cards?

In this situation, I would ask the person who gave you the $1,000 what they intended for you to do with the money. It should make them feel better.
by livesoft
Tue Jan 16, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: rebalancing
Replies: 5
Views: 258

Re: rebalancing

Rebalance in a non-taxable account? Don't buy bonds? Instead buy CDs or something like them. Another thing for the future: If you are automatically reinvesting dividends paid by an equity fund back into the same equity fund, don't do that. Instead, manually decide where the dividend the be invested.
by livesoft
Tue Jan 16, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: pros and cons of target date funds?
Replies: 21
Views: 814

Re: pros and cons of target date funds?

jayk238 wrote:
Tue Jan 16, 2018 12:52 pm
Why are bonds preferred in tax advantaged accounts.
That's not quite what I wrote. The details matter.
How does tax harvesting work if im not constantly paying attention to it.
See https://www.bogleheads.org/wiki/Tax_loss_harvesting
by livesoft
Tue Jan 16, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: In this case, put bonds in taxable?
Replies: 10
Views: 631

Re: In this case, put bonds in taxable?

1. The 3.8% tax is explained here: https://www.irs.gov/newsroom/net-investment-income-tax-faqs It seems to apply to a single filer who has more than $200k of investment income in a year. If I sold half of each individual stock position, when those positions are more than 90% capital gains, I’d have...
by livesoft
Tue Jan 16, 2018 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Best way to sell ETF in one account, buy it in another
Replies: 10
Views: 787

Re: Best way to sell ETF in one account, buy it in another

Thanks for putting your test in the case study thread, much obliged.

Yes, I see that limit orders would give one partial "peace of mind" and really cause no harm as long as both execute.
by livesoft
Tue Jan 16, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Best way to sell ETF in one account, buy it in another
Replies: 10
Views: 787

Re: Best way to sell ETF in one account, buy it in another

You can only do that if your limit prices are set right. I set my limit prices wrong in this post , but it worked out to my advantage. You can do the opening cross with market orders and have it always work. And thanks for the experiment and the results. Maybe add them to the "Case study" thread, to...
by livesoft
Tue Jan 16, 2018 10:43 am
Forum: Investing - Help with Personal Investments
Topic: In this case, put bonds in taxable?
Replies: 10
Views: 631

Re: In this case, put bonds in taxable?

I would do what I am actually doing now: 1. 100% equities in taxable account. 2. All bonds go in tax-deferred. 3. Conversions to Roth IRA happening. 4. Taxes on qualified dividends and realized long-term capital gains taxed at 0% because I keep taxable income low. 5. Did I say this: Zero bonds in ta...
by livesoft
Tue Jan 16, 2018 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Paying for college
Replies: 13
Views: 843

Re: Paying for college

Yes, AOTC for 4 years, then Lifetime Learning Credit for the other years. If all bills paid in 4 years, then that reduces credits.
by livesoft
Tue Jan 16, 2018 9:55 am
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 76
Views: 4091

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

Really big days are more extreme than this. But the recent gains are quite nice and nothing to sneer at.
by livesoft
Tue Jan 16, 2018 9:49 am
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 76
Views: 4091

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

It was the beginning of 2015, so not that long ago. Or the last 2 weeks of 2013. Or ....

Basically, it is a pretty routine phenomenon.

The light bulb is always on in my head.
by livesoft
Tue Jan 16, 2018 9:24 am
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 95
Views: 9834

Re: GE and the myth of "safe blue-chip stocks"

German Expat wrote:
Tue Jan 16, 2018 9:09 am
Another bad news day for GE:
And appropriate application of the adjective "adverse" by analyst in the attached article.
by livesoft
Tue Jan 16, 2018 9:15 am
Forum: Investing - Theory, News & General
Topic: pros and cons of target date funds?
Replies: 21
Views: 814

Re: pros and cons of target date funds?

I didn't see the word "tax" mentioned in this thread as I started typing this, so here goes ... I think the main con to target date funds has to do with a tax situation that does not apply to all investors, namely a taxable account. A target date fund has some fixed income thus can have more ordinar...
by livesoft
Tue Jan 16, 2018 6:50 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio
Replies: 3
Views: 506

Re: Vanguard Portfolio

https://www.bogleheads.org/wiki/Three-fund_portfolio A Vanguard Target Retirement fund of your choice A Vanguard LifeStrategy fund of your choice For myself, I want investments that will do well when I own them. I sort of don't care about investments that have done well in the past. You probably are...
by livesoft
Tue Jan 16, 2018 6:31 am
Forum: Investing - Help with Personal Investments
Topic: Should we use ROTH & HSA funds for VSS/VEU - How often do you change your asset allocation?
Replies: 5
Views: 386

Re: Should we use ROTH & HSA funds for VSS/VEU - How often do you change your asset allocation?

Where are Roth IRA held at? I assumed Vanguard, so VSS in them is no-commission.
I was thinking

Roth sell some VTSMX and buy VSS. You can do just one Roth. That way, you can keep one fund in an account and not do 2 funds in one account.
HSA buy SPTM to substitute for VTSMX sold in Roth.
by livesoft
Mon Jan 15, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Predict round number for a major index? Who cares? Predict Livesoft 60,000 instead.
Replies: 3
Views: 475

Re: Predict round number for a major index? Who cares? Predict Livesoft 60,000 instead.

I can manipulate my posts and even make my post count go down, so it would all be rigged. Don't do this.
by livesoft
Mon Jan 15, 2018 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Should we use ROTH & HSA funds for VSS/VEU - How often do you change your asset allocation?
Replies: 5
Views: 386

Re: Should we use ROTH & HSA funds for VSS/VEU - Rebalancing - Asset Allocation

If you are using TDAmeritrade for VSS, may I suggest using DLS instead? And maybe add DGS to that? They should be on the no-commission list. But I guess you are not, so nevermind. I cannot tell what's really going on. It seems you are going to convert tIRAs to Roths this month, but you are not going...
by livesoft
Mon Jan 15, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: Advice On A Tour From Port Canaveral To Kennedy Space Center
Replies: 14
Views: 640

Re: Advice On A Tour From Port Canaveral To Kennedy Space Center

My brother wrote software for the space shuttle, so he arranged a VIP tour of KSC when Mom took us all on a cruise. I don't think our particular VIP tour was anything special, but we didn't have to do anything except just show up which was nice. Atlantis was visible pre-launch.
by livesoft
Mon Jan 15, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Paying for college
Replies: 13
Views: 843

Re: Paying for college

Dig deeper by reading Pub 970. I think paying for college with UTMA would also qualify for tax credits, but they would go on daughter's tax return which could be good or bad. I don't know about trusts and trust tax returns nor how credits would work on that. I would try to get the mostest credits wh...
by livesoft
Mon Jan 15, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Paying for college
Replies: 13
Views: 843

Re: Paying for college

Not quite. I would find out who (you or student) can get the tax credits and how.
by livesoft
Mon Jan 15, 2018 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Fired my VPA, Portfolio Critique
Replies: 11
Views: 819

Re: Fired my VPA, Portfolio Critique

I suggest the traditional TSP to save you 25% on taxes because in early retirement or regular retirement it is very unlikely that your tax rate will be that high. The tax savings now are a better deal. You already got a Roth and taxable account going, too, so I think it is even more likely that you ...
by livesoft
Mon Jan 15, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Paying for college
Replies: 13
Views: 843

Re: Paying for college

You just said grad school is probably in the works. Also, unless she graduates early you will have 5 tax years of undergraduate to work with. $140K of 529 and UGMA will easily pay for 4 years of $40K per school year. I suggest you explore if the Trust money can be used to get education tax credits f...
by livesoft
Mon Jan 15, 2018 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Jumping in when the market is high
Replies: 24
Views: 1575

Re: Portfolio Advice - Jumping in when the market is high

I think those articles are not what people really do. You can select the Target Date fund that matches the allocation that you want. In tax-advantaged accounts, you can switch at any time without tax consequences. You will probably change your mind several times over the course of your investing lif...
by livesoft
Mon Jan 15, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Paying for college
Replies: 13
Views: 843

Re: Paying for college

College is about $40,000/year. 529 plan has $70,000; UGMA has $70,000; trust has $140,000.I also see graduate school in her future. Then why are the 529 and UTMA invested so totally conservatively? It seems that your daughter will be paying herself more than half her support and she will not be you...
by livesoft
Mon Jan 15, 2018 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Fired my VPA, Portfolio Critique
Replies: 11
Views: 819

Re: Fired my VPA, Portfolio Critique

I would not pay off a home loan with 2.8% interest rate and would try to max my traditional 401(k) instead.

I don't see how anyone can say the L2050 fund is extremely conservative.

https://www.tsp.gov/InvestmentFunds/Fun ... L2050.html
by livesoft
Mon Jan 15, 2018 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Jumping in when the market is high
Replies: 24
Views: 1575

Re: Portfolio Advice - Jumping in when the market is high

Interesting thought. Do you think that manged target/retirement funds under-perform compared to self-allocated portfolios (i.e. a mix of index funds)? No, I don't think so. I keep track of this for myself. I think most people actually underperform the Target Retirement funds with the same asset all...
by livesoft
Mon Jan 15, 2018 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Jumping in when the market is high
Replies: 24
Views: 1575

Re: Portfolio Advice - Jumping in when the market is high

Do you have a Vanguard fund that you'd recommend if I pursue the single fund in each Roth? What are your thoughts about TSP funds? Some swear by C, S, I. Others re-balance via L-funds. Some give weight to F and G funds. Without a significant taxable account, I don't see why you do not invest in a T...
by livesoft
Mon Jan 15, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Fired my VPA, Portfolio Critique
Replies: 11
Views: 819

Re: Fired my VPA, Portfolio Critique

In the 25% bracket, I would not contribute to the Roth TSP, but would contribute to the traditional TSP. You can use the tax savings to pay off house faster or for something else.
by livesoft
Mon Jan 15, 2018 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Paying for college
Replies: 13
Views: 843

Re: Paying for college

Have you read IRS Publication 970 which discusses all the tax benefits for higher education? There are some very important credits that one can get. https://www.irs.gov/pub/irs-pdf/p970.pdf Are you all eligible for the American Opportunity Tax Credit? If so, then I would recommend paying at least $4...
by livesoft
Mon Jan 15, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: Monthly reports from Madsinger
Replies: 2
Views: 282

Re: Monthly reports from Madsinger

I haven't seen it either and was wondering as well.
by livesoft
Mon Jan 15, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: [Should I do a Roth conversion?]
Replies: 9
Views: 807

Re: [Should I do a Roth conversion?]

I am doing Roth conversions. There is no need to convert all tax-deferred assets to a Roth. That's partly because if your withdrawals from tax-deferred are less than your deductions on your tax return, then they can be considered tax-free. I can pay the taxes on my Roth conversions from money that i...
by livesoft
Mon Jan 15, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Fired my VPA, Portfolio Critique
Replies: 11
Views: 819

Re: Fired my VPA, Portfolio Critique

I don't know your marginal income tax bracket and the rest of your tax situation, but I would consider

Do not use the Roth TSP, but use the Traditional TSP. Use the tax savings to increase your TSP contribution. And put your bond allocation into the Traditional TSP and not in your Roth IRA.
by livesoft
Mon Jan 15, 2018 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Questions about leaving your broker
Replies: 11
Views: 1081

Re: Questions about leaving your broker

You are thinking right. Good luck!
by livesoft
Mon Jan 15, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie question on asset allocation: tax efficiency and various accounts
Replies: 5
Views: 316

Re: Newbie question on asset allocation: tax efficiency and various accounts

In Tables 11.2 and 11.3 on Page 141 (didn't find a way to post the picture, sorry :(), the authors were trying to make a point that stocks should be placed in taxable accounts while bonds in tax-deferred accounts. In case there was a misconception, stocks can be placed in tax-deferred accounts, too...
by livesoft
Mon Jan 15, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Questions about salary expectations/negotations
Replies: 13
Views: 1297

Re: Questions about salary expectations/negotations

I think that assistant professor salaries at many public universities are published since they are often in state budgets. I would have thought that an assistant professor in psychology would start around $40K a year, but I didn't look. $100K for a PhD in cognitive psychology with post-doctoral expe...
by livesoft
Mon Jan 15, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: W2 Vs Last Pay Stub
Replies: 6
Views: 1054

Re: W2 Vs Last Pay Stub

wfrobinette wrote:
Mon Jan 15, 2018 3:04 pm
I don't like putting place holders in the tax software. It leaves you open to errors by forgetting to go back and change something that is marked complete.
That is so true. That''s why I have a separate file (tax return) saved as "2017Estimate" and my real tax return in another file.
by livesoft
Mon Jan 15, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on managing healthcare costs
Replies: 21
Views: 792

Re: Advice on managing healthcare costs

Ah, that makes sense. So I am likely going to head to my bank today and open up an HSA. That will be interesting. No additional research by you on HSAs? Are you even eligible? Does your bank even offer such a thing? My impression is that most banks do not. Have you read this IRS Publication yet? ht...
by livesoft
Mon Jan 15, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: TSA locks for luggage
Replies: 18
Views: 1158

Re: TSA locks for luggage

I only take things that I would like to be stolen in checked luggage. But why take checked luggage anyways?
by livesoft
Mon Jan 15, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on managing healthcare costs
Replies: 21
Views: 792

Re: Advice on managing healthcare costs

My spouse's employer does NOT contribute to the FlexPlan. She has to contribute her own money to it. But if your employer does not offer a plan, then there is nothing you can do short of switching employer or getting many employees to get the employer to change.
by livesoft
Mon Jan 15, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: PTO policy after international business travel
Replies: 51
Views: 2596

Re: PTO policy after international business travel

Yes, it is unreasonable. Sorry, but you have to negotiate well before before you accept a job. I imagine you can take unpaid time-off sometimes. It is probably not common, but I start my time zone change more than 24 hours before leaving. I change my sleep and my eating habits, so that I can hit the...