Search found 62578 matches

by livesoft
Thu Dec 13, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: Potential New Home - Planes and Trains Noise
Replies: 8
Views: 521

Re: Potential New Home - Planes and Trains Noise

Google with the search term "noise maps" and take a look. You can see airports that you didn't even know existed.

Image
by livesoft
Thu Dec 13, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 89
Views: 5612

Re: Personal Adventure - recommendations

munemaker wrote:
Thu Dec 13, 2018 9:15 pm
How about exploring abandoned mines in West Virginia?
Oooh, very Bogleheadish because you make a profit on the copper you harvest and sell.
by livesoft
Thu Dec 13, 2018 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: In a Bear Market, What Are Some Best Practices
Replies: 40
Views: 4365

Re: In a Bear Market, What Are Some Best Practices

How do folks resolve the "stay-the-course" advice and the "do nothing" advice? If one is really staying the course and staying committed to their asset allocation plan, then they should be buying to get any out-of-kilter asset allocation back into somewhat of a balance. Besides acting on RBD, whats...
by livesoft
Thu Dec 13, 2018 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: In a Bear Market, What Are Some Best Practices
Replies: 40
Views: 4365

Re: In a Bear Market, What Are Some Best Practices

How do folks resolve the "stay-the-course" advice and the "do nothing" advice? If one is really staying the course and staying committed to their asset allocation plan, then they should be buying to get any out-of-kilter asset allocation back into somewhat of a balance.
by livesoft
Thu Dec 13, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: One Day difference between same Mutal Fund and ETF
Replies: 6
Views: 345

Re: One Day difference between same Mutal Fund and ETF

Mutual fund closing prices for the day are a calculated Net Asset Value or NAV.

That's not the case for the ETF. The ETF price could be a premium or discount to the NAV depending on what the two parties to the last transaction of the day decided to pay each other.
by livesoft
Thu Dec 13, 2018 6:39 pm
Forum: Investing - Theory, News & General
Topic: [Robinhood to launch 3% interest bearing accounts, but is not a bank]
Replies: 120
Views: 5584

Re: Robinhood Checking and Savings at 3%

7th thread started on the subject today. :)
by livesoft
Thu Dec 13, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 89
Views: 5612

Re: Personal Adventure - recommendations

I mention this because you are older and might not want to hump a lot of weight on your back. I've been trying to talk my wife into a longer hike and the only thing that gives me half a chance of being successful is the potential of using llamas. If you sleep in the same tent and use the same cooks...
by livesoft
Thu Dec 13, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Can/Should I move Solo 401k into Backdoor Roth?
Replies: 17
Views: 592

Re: Can/Should I move Solo 401k into Backdoor Roth?

I have a TDAmeritrade solo roth 401(k) and a traditional solo 401(k) there.
by livesoft
Thu Dec 13, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: New England travel ideas, summer 2019
Replies: 11
Views: 465

Re: New England travel ideas, summer 2019

Sign the kids up for a week-long sailing school. They will hate it, but they will be able to sail at the end. :) Go to Maine and hike up to the top of Mt Katahdin, too. Or go to Maine, use an outfitter to set you up with a week-long camping / canoeing trip along the Allagash Wilderness Waterway. No ...
by livesoft
Thu Dec 13, 2018 4:07 pm
Forum: Investing - Theory, News & General
Topic: December "Bogleheads on Investing" podcast with guest Christine Benz now available
Replies: 6
Views: 646

Re: December "Bogleheads on Investing" podcast with guest Christine Benz now available

A very nice listen of a friendly informative conversation between two people who think a lot alike. I enjoyed it. Thanks!

Around minute 40, Rick Ferri said, "... no one has ever called me."

And, "... or they're not going to call."

So true.
by livesoft
Thu Dec 13, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Who else is doing home automation?
Replies: 44
Views: 1870

Re: Who else is doing home automation?

Did you get the option to change the baby's diaper? I think next month, the get-up-at-night-and-feed-the-baby will come out of beta.
by livesoft
Thu Dec 13, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Which solo 401k plan is right for my situation
Replies: 6
Views: 327

Re: Which solo 401k plan is right for my situation

There is no point in using E-trade. I have a solo 401(k) at TDAmeritrade. Even though I have the loan option, I would caution anyone from picking TDAmeritrade or any other i401(k) because it offers a loan option. I am not certain, but I don't think you will get any help from TDAmeritrade with the lo...
by livesoft
Thu Dec 13, 2018 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Reporting for Brokered CDs
Replies: 15
Views: 629

Re: Tax Reporting for Brokered CDs

Many CDs bought at brokerages are first issue and not so-called secondary CDs. Many people confuse all CDs bought at brokers as brokered CDs. The OP made a clear distinction, thanks!
by livesoft
Thu Dec 13, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Tax-loss harvest/capital gains
Replies: 2
Views: 198

Re: Tax-loss harvest/capital gains

There is no issue with TLH and capital gain in the same year. Indeed, if I am forced to realize a ST capital gain because I need money for college expenses, a credit card bill, or a mortgage, then I am more than happy to offset that STCG with a tax-loss harvesting move ... either made that year or i...
by livesoft
Thu Dec 13, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Can/Should I move Solo 401k into Backdoor Roth?
Replies: 17
Views: 592

Re: Can/Should I move Solo 401k into Backdoor Roth?

thank you. Should I consider the back door roth for myself in my situation above? With only $65K of taxable income, isn't it likely that your AGI (and MAGI) is low enough to just contribute to Roth IRAs without worrying about any backdoor thing? But if your income is too high, since you do not have...
by livesoft
Thu Dec 13, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Help
Replies: 12
Views: 537

Re: TLH Help

Assume only a taxable account if you buy on day 1, shares go down, and sell on day 15, sale is disallowed. You have to sell on day 31 This is a common misconception. 1. Sale is not disallowed. 2. It is not a wash sale. 3. You can sell anytime you want and not have a wash sale as long as you don't h...
by livesoft
Thu Dec 13, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: [Bond returns are currently negative. Why should I buy bonds now?]
Replies: 19
Views: 2449

Re: [Bond returns are currently negative. Why should I buy bonds now?]

Just saw this thread. First the premise that bond returns are currently negative is false. Morningstar.com and Vanguard.com and all other places with quantitative data show that the Vanguard Total Bond Market Index fund VBTLX has a one-month return of a whopping 1.10%. Bond funds normally don't retu...
by livesoft
Thu Dec 13, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Home improvements and taxes
Replies: 9
Views: 911

Re: Home improvements and taxes

I noticed yesterday that IRS Publication 923 523 has good information about all this. It would not hurt one to read it in anticipation.

Thanks to a helpful private message for the Pub number correction. :)
by livesoft
Thu Dec 13, 2018 8:22 am
Forum: Investing - Help with Personal Investments
Topic: In order to not receive a dividend, what date do I need to SELL a mutual fund on?
Replies: 19
Views: 1511

Re: In order to not receive a dividend, what date do I need to SELL a mutual fund on?

For an ETF, sell before the ex-dividend date, not the record date. That's the same for a mutual fund, by the way. Vanguard does not specifically put "ex-dividend" date for mutual funds on its web site which leads to confusion for folks not used to Vanguard. Note that the ex-dividend date takes into ...
by livesoft
Thu Dec 13, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 42
Views: 1281

Re: Should I buy a Tesla?

Has your investment portfolio gained or lost $40,000 or more in a single day? If so, then yes, you can spend $40,000 on a car. I have to write though, that I've never spent that amount on a car. Other cars have similar safety features and are less expensive. Other cars will brake and adjust steering...
by livesoft
Thu Dec 13, 2018 7:53 am
Forum: Investing - Help with Personal Investments
Topic: In order to not receive a dividend, what date do I need to SELL a mutual fund on?
Replies: 19
Views: 1511

Re: In order to not receive a dividend, what date do I need to SELL a mutual fund on?

PalmQueen wrote:
Wed Dec 12, 2018 11:57 pm
On a related note - how are mutual fund capital gain/loss distributions treated if you sell before the distribution date?
If you don't get them because you sold your shares, then you don't treat them because you don't have them.
by livesoft
Thu Dec 13, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: Where does one purchase correctly-sized petite trousers?
Replies: 27
Views: 1186

Re: Where does one purchase correctly-sized petite trousers?

she actually hates shopping :) I hate shopping, too. But I hate it less when I am in stores for a much shorter period of time. I always get help finding things now, so that I don't waste my time. Let me relate a recent experience buying some shoes. I went to a chain store on my recent vacation abou...
by livesoft
Thu Dec 13, 2018 7:33 am
Forum: Investing - Theory, News & General
Topic: So Much Red [in cost basis of taxable accounts]
Replies: 26
Views: 2468

Re: So Much Red [in cost basis of taxable accounts]

It's pretty easy to get rid of all the red by tax-loss harvesting in taxable and even in tax-advantaged switching to nearly identical funds. It won't change anything really about your portfolio. For instance, it won't change your asset allocation. Anyways, I start each new calendar year with no red ...
by livesoft
Wed Dec 12, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: NPR On Point: Stock Market Distress Signal: How Low-Cost Index Funds Are Taking Over
Replies: 15
Views: 2138

Re: NPR On Point: Stock Market Distress Signal: How Low-Cost Index Funds Are Taking Over

To give some context, the episode stems from an article by John Bogle that index funds from 3 firms could control more than 50% of the shares of S&P500 companies and thus could control the companies as majority shareholders whenever voting of shares is asked for. So fund managers (or their small com...
by livesoft
Wed Dec 12, 2018 7:31 pm
Forum: Forum Issues and Administration
Topic: Holiday Card
Replies: 2
Views: 415

Re: Holiday Card

Vanguard sent me a junk e-mail holiday greeting. :)

It wasted my time deleting it and I wasted your time telling you about it. :)
by livesoft
Wed Dec 12, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Capital losses and income taxes
Replies: 5
Views: 262

Re: Capital losses and income taxes

As for carryover losses from the past, I am not clear on what you did. I can sort of interpret your writing as "I sold stock at a loss years ago and never filled out my tax returns correctly." You can always file amended returns. If you do that, then some of the loss may carryover to your 2018 retur...
by livesoft
Wed Dec 12, 2018 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Capital losses and income taxes
Replies: 5
Views: 262

Re: Capital losses and income taxes

Since gains in a house are tax-free for the most part, losses are not deductible from home sale.

See IRS Publication 523: https://www.irs.gov/pub/irs-pdf/p523.pdf
by livesoft
Wed Dec 12, 2018 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting as a Married Couple
Replies: 2
Views: 254

Re: Tax Loss Harvesting as a Married Couple

^But a target retirement fund is not substantially identical to VTSAX even if the TR fund contains VTSAX, so no wash sale possible from buying a TR fund after (or before) selling VTSAX at a loss.
by livesoft
Wed Dec 12, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: I'm going to do it? [Transfer to Vanguard]
Replies: 15
Views: 1734

Re: I'm going to do it?

Your suggested portfolio is well within the typical range of portfolios presented on the forum, so I see nothing particularly wrong nor special about it.

With 70% equities, it has more risk than some other portfolios presented for a 65-year-old retiree, but if you like it, I like it with it.
by livesoft
Wed Dec 12, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: Where does one purchase correctly-sized petite trousers?
Replies: 27
Views: 1186

Re: Where does one purchase correctly-sized petite trousers?

I live in a place where I can go into any clothing store and ask for help. I rarely buy clothes, but I am happy to not waste my time looking in a store at things. Instead, I get a sales associate immediately and say, "I need help. I'm looking for [for instance] a dress slack that is wool with a 27 i...
by livesoft
Wed Dec 12, 2018 5:41 pm
Forum: Investing - Theory, News & General
Topic: Our mentor [Jack Bogle] advises to "buy bonds" for protection in current market
Replies: 61
Views: 5599

Re: vanguard-founder-bogle-says-buy-bonds

The headline says buy bonds, but if one reads the article that's not what it says that Bogle says.
by livesoft
Wed Dec 12, 2018 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: I think I messed up asset allocation....
Replies: 2
Views: 340

Re: I think I messed up asset allocation....

The immediate egregious tax problem I see are the bonds funds in the taxable account.

Your proposed solution looks great to me.
by livesoft
Wed Dec 12, 2018 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Should I move to Wells Trade or Vanguard?
Replies: 3
Views: 231

Re: Should I move to Wells Trade or Vanguard?

I don't think WellsTrade will cost you nothing, so probably no point in moving to WellsTrade. I'm a big fan of WellsTrade since I am grandfathered into their product where everything is free -- no commissions and no fees on anything. If that's the case for you, I don't see a need to switch to Vangua...
by livesoft
Wed Dec 12, 2018 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend Reinvestment Messed Up Tax Loss Harvest
Replies: 7
Views: 602

Re: Dividend Reinvestment Messed Up Tax Loss Harvest

Soup Nazi wrote:
Wed Dec 12, 2018 3:26 pm
So I don't need to do anything right now? Perfect!
I will say that if you don't figure it out now while it is fresh in your mind, then it will be much much harder to figure it out later.
by livesoft
Wed Dec 12, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: ETF price when dividend is paid
Replies: 4
Views: 419

Re: ETF price when dividend is paid

1. Yes, but probably just before the market opens and not in the "middle" of the night. 2. Yes. 3. Yes. The dividend is known in advance and published, so anybody who wants that information can get it in a timely fashion. 4. People can change their thoughts about prices based on information they lea...
by livesoft
Wed Dec 12, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: What is a lemon? 2018 Outback Infotainment issues
Replies: 26
Views: 9114

Re: What is a lemon? 2018 Outback Infotainment issues

msi wrote:
Wed Dec 12, 2018 2:22 pm
Do all 2018 Subaru Outbacks have this problem, or is it a quality control issue? I've been considering a Forester for my next car, and this has me a bit concerned.
I have a 2018 Subaru Outback. It does not have this problem as far as I can tell.
by livesoft
Wed Dec 12, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Help
Replies: 12
Views: 537

Re: TLH Help

Change your cost basis method to Specific Identification. Wait until your broker does that and confirms.

Sell the lots are that colored red.

It is really that simple.
by livesoft
Wed Dec 12, 2018 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting - When to do it?
Replies: 15
Views: 885

Re: Tax Loss Harvesting - When to do it?

You have to know how to do math with percentages. If the future expected price of FUNDX is going up by 2%, then the expected value of your shares goes up by 2% from the previous market close. If the value of your shares goes up by 2%, then you just subtract your known cost basis which hasn't changed...
by livesoft
Wed Dec 12, 2018 1:39 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Best Behavioral Finance Books
Replies: 6
Views: 632

Re: Larry Swedroe: Best Behavioral Finance Books

I've read 7 of the 13 listed as well as Larry's book that he mentioned, so I have some catching up to do. :)
by livesoft
Wed Dec 12, 2018 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting - When to do it?
Replies: 15
Views: 885

Re: Tax Loss Harvesting - When to do it?

If the ETF is up 2% near the market close, then the mutual fund will be up about that amount at the market close.

If the ETF is down 1% near the market close, then the mutual fund will be down about that amount at the market close.

Got it?
by livesoft
Wed Dec 12, 2018 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: If You Knew Then What You Know Now
Replies: 10
Views: 1501

Re: If You Knew Then What You Know Now

My parents moved often. As a child, I didn't worry about finances at all. As an adult, we moved across the country with a pre-schooler. Financially, the only thing that sticks out is that we rented an apartment for 5 months while getting used to the new location and looking for a home to buy. Our mo...
by livesoft
Wed Dec 12, 2018 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Did Vanguard correctly apply the wash sale rule?
Replies: 3
Views: 259

Re: Did Vanguard correctly apply the wash sale rule?

I cannot answer your question because I didn't look at your numbers because I don't think it matters. Sorry. I do know that some of these wash sale calculations have some opinions in them, so if Fairmark says one thing, that's an opinion. I think it was Doc who pointed me to some interesting literat...
by livesoft
Wed Dec 12, 2018 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting Questions/Plan
Replies: 8
Views: 390

Re: Tax Loss Harvesting Questions/Plan

So I'm not really losing out on the dividend as it is baked into the price? Right. Your loss will not be as much though either as you will not have the drop in price created by the payout of the dividend. The reason for doing the exchange into VMMXX then into VFWAX is to avoid the dividend (really ...
by livesoft
Wed Dec 12, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting Questions/Plan
Replies: 8
Views: 390

Re: Tax Loss Harvesting Questions/Plan

OK, then wiki uses the word "may", so it is not definitive. Since VTIAX and VFWAX have the same distribution schedule, you could exchange the losing VTIAX shares to VMMXX on the record date 12/20 before 4 pm to avoid getting the dividend and then the next day exchange the VMMXX shares to VFWAX and a...
by livesoft
Wed Dec 12, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Bathroom scale
Replies: 17
Views: 1131

Re: Bathroom scale

As for tracking, one can take a photo of your weight shown on your scale with your cell phone and make it your phone background pic.
by livesoft
Wed Dec 12, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting Questions/Plan
Replies: 8
Views: 390

Re: Tax Loss Harvesting Questions/Plan

1. I don't agree with the wiki about best to TLH after dividends are paid. Does it really say that? At a minimum, one should make a thoughtful decision about that. Do NOT reinvest the dividends or you will end up with something like in this thread: https://www.bogleheads.org/forum/viewtopic.php?t=17...
by livesoft
Wed Dec 12, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Bathroom scale
Replies: 17
Views: 1131

Re: Bathroom scale

rkhusky wrote:
Wed Dec 12, 2018 9:46 am
The digital scales don't last that long.
They don't rust though like the one pictured above ... especially at the fulcrum point. But I don't see why the digital ones don't last. Ours is still doing fine many years since purchase.
by livesoft
Wed Dec 12, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 174
Views: 12632

Re: What Happened to you during the Financial crisis of 2007–2008

Bogleheads.org (? diehards.org) started in early 2007. I switched to half-time work shortly after I joined the forum and adjusted the portfolio asset allocation to about 70:30. Then through early March 2009, the portfolio had dropped almost a million dollars in value in line with what the markets di...
by livesoft
Wed Dec 12, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Replacing a gas furnace and electric AC: when and how much?
Replies: 25
Views: 1337

Re: Replacing a gas furnice and electric AC: when and how much?

This is a perennial question on this forum, so lots of past threads discuss these issues. We have 2 HVAC setups ... one for each floor of the house. These things last forever. If it ain't broke don't fix it. We don't have annual service checkups, but get things fixed as they break. We have an AC uni...