Search found 62421 matches

by livesoft
Wed Oct 10, 2018 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: TLH with a recent purchase in Vanguard Roth (FIFO)
Replies: 6
Views: 309

Re: TLH with a recent purchase in Vanguard Roth (FIFO)

It's all described in excruciating detail:
viewtopic.php?t=179414

But a day like today I think shows why one should not be afraid of wash sales.
by livesoft
Wed Oct 10, 2018 3:01 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 RBD?
Replies: 28
Views: 2131

Re: S&P 500 RBD?

Yep, several ETFs are/were in RBD territory.
by livesoft
Wed Oct 10, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: TLH with a recent purchase in Vanguard Roth (FIFO)
Replies: 6
Views: 309

Re: TLH with a recent purchase in Vanguard Roth (FIFO)

I don't think selling a share in the Roth works that way, so you will have a partial wash sale.

Vanguard will not flag it as a wash sale because two different accounts are involved.

I don't see a problem with a partial wash sale from 1 share.
by livesoft
Wed Oct 10, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5940

Re: What the heck is growing in my yard?

Can't tell for sure without seeing underside and up close everywhere. A variety of oyster mushrooms?
by livesoft
Wed Oct 10, 2018 2:33 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 RBD?
Replies: 28
Views: 2131

Re: S&P 500 RBD?

We should crowd-source the definition of RBD.
by livesoft
Wed Oct 10, 2018 2:31 pm
Forum: Investing - Theory, News & General
Topic: 5 ways target-date funds let investors down
Replies: 38
Views: 3558

Re: 5 ways target-date funds let investors down

The article is relatively benign. I suspect the 2-fund portfolio will be a target date fund and a small-cap value fund. :twisted:
by livesoft
Wed Oct 10, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 RBD?
Replies: 28
Views: 2131

Re: S&P 500 RBD?

samsdad wrote:
Wed Oct 10, 2018 2:15 pm
Does this count as a RBD?
No, at least not yet. The stock markets are still open though, so there is time.
by livesoft
Wed Oct 10, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon (LV) - is $80 ticket price for Sky Walk worth it
Replies: 14
Views: 1378

Re: Grand Canyon (LV) - is $80 ticket price for Sky Walk worth it

I am going to the North Rim in November and December, so it is not really closed. Of course, I do have to backpack starting from the South Rim to get there. :)

And I have to also hike back.
by livesoft
Wed Oct 10, 2018 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs others
Replies: 27
Views: 1948

Re: Vanguard vs others

You won't know what you are missing until you try it out. I have been a Vanguard client for over 35 years. I've had money at Fidelity for over 25 years. Of course, both of them have changed since I started with them. It is not complicated to use 2 or more firms nowadays. It is easier to rebalance, t...
by livesoft
Wed Oct 10, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: Hiking NH White Mountains. Taking one lens.
Replies: 25
Views: 1095

Re: Hiking NH White Mountains. Taking one lens.

While one may not need a monopod for stabilization, if one wants to take pictures/movies of themselves together w/friends, then a camera holder of some type is more versatile than setting the camera on a rock. I'm going backpacking for about a month of overnights soon. I would not mind using one of ...
by livesoft
Wed Oct 10, 2018 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Lag time to transfer 401 to TIRA
Replies: 1
Views: 143

Re: Lag time to transfer 401 to TIRA

10 days is not bad. It could take from 1 day to 4 years. Here is a thread describing some of the people, paperwork, etc: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=259113 I did a Fidelity to TDAmeritrade rollover in 5 days. Your money earns nothing while it is a check in the mail. If you h...
by livesoft
Wed Oct 10, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: Hiking NH White Mountains. Taking one lens.
Replies: 25
Views: 1095

Re: Hiking NH White Mountains. Taking one lens.

quantAndHold wrote:
Wed Oct 10, 2018 6:48 am
I would also carry a hiking pole that can be used as a monopod. That will make more difference than which lens you’re using.
Ultrapod straps tightly to a trekking pole.
by livesoft
Wed Oct 10, 2018 7:04 am
Forum: Investing - Help with Personal Investments
Topic: Annuities
Replies: 12
Views: 1056

Re: Annuities

I am around your age. No I don't think you need to consider annuities. But I wouldn't buy CDs either.

We know nothing about your financial situation from this thread other than you seem to be fearful and anxious. Why?
by livesoft
Wed Oct 10, 2018 5:49 am
Forum: Personal Consumer Issues
Topic: Hiking NH White Mountains. Taking one lens.
Replies: 25
Views: 1095

Re: Hiking NH White Mountains. Taking one lens.

Depends on the weather, except you shouldn't take the 100-400 mm nor the 50 mm.
by livesoft
Tue Oct 09, 2018 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Form 8606 in Non-deductible IRA conversion to Roth IRA
Replies: 7
Views: 692

Re: Form 8606 in Non-deductible IRA conversion to Roth IRA

I forgot to file an 8606 for 2004 for myself and one for my spouse until about 2015 when I started Roth conversions. So I filed a Form 8606 by itself and did not amend any tax returns because they did not change. I did not submit a 5498 as the IRS should have those sent by the financial institutions...
by livesoft
Tue Oct 09, 2018 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Another TLH question
Replies: 6
Views: 440

Re: Another TLH question

Right. LT losses offset LT gains first; ST losses offset ST gains first. Then if there are leftover gains to offset, they offset those gains. Leftover losses after that offset up to $3000 of ordinary income, then leftovers get carried over to future years while keeping track of their short and/or lo...
by livesoft
Tue Oct 09, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Another TLH question
Replies: 6
Views: 440

Re: Another TLH question

Quiz time: What about Long-term losses?
by livesoft
Tue Oct 09, 2018 5:08 pm
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting and selling a mutual fund within 30 days of purchase
Replies: 10
Views: 586

Re: Tax loss harvesting and selling a mutual fund within 30 days of purchase

Then what is the meaning of the clause "within 30 days before the sale" in the wash sale rule: "The rule defines a wash sale as one that occurs when an individual sells or trades a security at a loss and, within 30 days before or after this sale, buys a 'substantially identical' stock or security."...
by livesoft
Tue Oct 09, 2018 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: tlh vfwax to vtiax if both have losses? min to tlh?
Replies: 6
Views: 491

Re: tlh vfwax to vtiax if both have losses? min to tlh?

What is your rationale for buying replacement funds in advance of tax-loss harvesting? I don't understand. I suspect it is to meet the initial minimum purchase for Admiral shares. For example, without a position in VFWAX one wants to sell the most recently purchased shares of VTIAX that now have lo...
by livesoft
Tue Oct 09, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting and selling a mutual fund within 30 days of purchase
Replies: 10
Views: 586

Re: Tax loss harvesting and selling a mutual fund within 30 days of purchase

Doc wrote:
Tue Oct 09, 2018 3:58 pm
Remember you don't "lose" the loss even if it is a wash sale. The cost basis of the new purchase is just adjusted downward by the amount of the loss. But if you are using average cost FIFO it is just the average that goes down. :(
Downward or Upward?

I think it is upward.
by livesoft
Tue Oct 09, 2018 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3930

Re: How to get over paper loss?

. It's very discouraging seeing my balance drop by $100-300 each passing day. To give you some perspective my portfolio dropped over $8,000 in the last 4 days thanks to the bond rout and falling International/EM.. and no i'm not wealthy, that is a ton of money for me. However these are short term f...
by livesoft
Tue Oct 09, 2018 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: tlh vfwax to vtiax if both have losses? min to tlh?
Replies: 6
Views: 491

Re: tlh vfwax to vtiax if both have losses? min to tlh?

Works for me. I would probably not TLH $500 ... ... unless ... a) I wanted to practice my TLH acumen -- or -- b) the shares were about to become long-term held shares because I always want to TLH short-term losses -- or -- c) it is December and I always want to harvest losses before the new year sta...
by livesoft
Tue Oct 09, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: How to sell individual ETF lots on Vanguard
Replies: 2
Views: 243

Re: How to sell individual ETF lots on Vanguard

Here is how to do it with a Mutual Fund in a taxable account under the old system: https://www.bogleheads.org/forum/viewtopic.php?t=179414 It must be similar for ETFs. It is possible that in a Roth IRA or tax-deferred account where it doesn't matter which lot you sell as far as taxes go that Vanguar...
by livesoft
Tue Oct 09, 2018 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3930

Re: How to get over paper loss?

Admiral wrote:
Tue Oct 09, 2018 2:09 pm
livesoft wrote:
Tue Oct 09, 2018 1:03 pm
Rather than stop looking, I think one needs to look even more. After awhile, one will get used to losing money. I am serious about this.
Meh. Like how often?
That will depends on the person doing the looking until it doesn't bother them anymore.
by livesoft
Tue Oct 09, 2018 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Another TLH question
Replies: 6
Views: 440

Re: Another TLH question

Short-term losses offset ST gains, then LT gains, then anything leftover will offset up to $3000 of ordinary income, then anything leftover from that gets carried over to next year. You have no choice. See IRS publication 550.
by livesoft
Tue Oct 09, 2018 1:07 pm
Forum: Investing - Theory, News & General
Topic: "Safe" Withdrawal Rate for Early Retirees (or any retiree)
Replies: 226
Views: 19472

Re: "Safe" Withdrawal Rate for Early Retirees (or any retiree)

^15 more years of living gives one a different perspective on life and maybe some added maturity, so that one wouldn't worry as much about SWR.
by livesoft
Tue Oct 09, 2018 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Question about how TLH works with ETFs
Replies: 3
Views: 235

Re: Question about how TLH works with ETFs

There is no problem selling your losing positions in VTIAX and buying more VFWAX. Then just wait 31 days to sell the losing positions in VFWAX and buy back the VTIAX. I don't see any need to buy IXUS. But if you want to, I don't see any problem with that. In the future if you sell IXUS, then maybe y...
by livesoft
Tue Oct 09, 2018 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3930

Re: How to get over paper loss?

Rather than stop looking, I think one needs to look even more. After awhile, one will get used to losing money. I am serious about this.
by livesoft
Tue Oct 09, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance into international in retirement account
Replies: 6
Views: 499

Re: Rebalance into international in retirement account

A tax-deferred account like your 403(b) is a wonderful location for VTIAX. My spouse owns it in her rollover IRA. A Roth IRA is also a wonderful location for VTIAX. And so is a taxable account. Basically, VTIAX is good in kinds of account that you are likely to have including the above, HSA, 529, et...
by livesoft
Tue Oct 09, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 5912

Re: Subaru: Crosstrek or Outback?

This is patently wrong. I just got my 2019 outback and it does this. Has been for a while. I have a collision detector that goes off if I approach too close. The manual also describes it. Thanks, I'll investigate and report back. I think collision detection is not the same as parking assist. I cann...
by livesoft
Tue Oct 09, 2018 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Choosing Fund Cost-Basis Methods
Replies: 9
Views: 389

Re: Choosing Fund Cost-Basis Methods

Specific Identification is the ONLY way to sell recently purchased shares when you also have older shares around that you don't want to sell because the old shares have huge unrealized capital gains that would be realized and taxed if those older shares are sold. This can mean lower taxes and tax-lo...
by livesoft
Tue Oct 09, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Choosing Fund Cost-Basis Methods
Replies: 9
Views: 389

Re: Choosing Fund Cost-Basis Methods

Always use Specific Identification if you have a choice. Always!

FIFO is a subset of Specific Identification, so I am not even sure why they confuse people by offering it.
by livesoft
Tue Oct 09, 2018 9:07 am
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3930

Re: How to get over paper loss?

,... but decided to sell $10k company stock and put it all in SCHB last week. A week later, that $10k in SCHB is only worth $9k That is impossible. I can look up what SCHB did in the past week. So you might wish to get some new reading glasses. <-- Not medical advice! (But maybe the rest of your co...
by livesoft
Tue Oct 09, 2018 5:59 am
Forum: Personal Finance (Not Investing)
Topic: College loan advice?
Replies: 39
Views: 2860

Re: College loan advice?

401(k) loan
HELOC
by livesoft
Mon Oct 08, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 5912

Re: Subaru: Crosstrek or Outback?

jayk238 wrote:
Mon Oct 08, 2018 8:31 pm

This is patently wrong. I just got my 2019 outback and it does this. Has been for a while.
I have a collision detector that goes off if I approach too close. The manual also describes it.
Thanks, I'll investigate and report back. I think collision detection is not the same as parking assist.
by livesoft
Mon Oct 08, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: Engineering/chemistry guys need ya for Scientific Notation
Replies: 8
Views: 995

Re: Engineering/chemistry guys need ya for Scientific Notation

Got a link that shows the notation instead of your typing of the notation? ^ is usually a character meaning exponent and if the exponent is -1 it just means the reciprocal. So I suspect an editing typo. As g/ml is the same as g ml^-1 (both would be pronounced "grams per millimeter" see also https://...
by livesoft
Mon Oct 08, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 5912

Re: Subaru: Crosstrek or Outback?

OK, but do you think those wheels/tires are capable of going off-road?
by livesoft
Mon Oct 08, 2018 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Buying right before a dividend and capital gain distributions
Replies: 6
Views: 1212

Re: Buying right before a dividend and capital gain distributions

If the daily action of the fund price suggests that it might move by two or more times the dividend amount in the time between purchase and dividend, then I would just buy it. For many index funds that pay a quarterly dividend, that might mean buy except for within a week of the dividend.
by livesoft
Mon Oct 08, 2018 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Save money to invest in January?
Replies: 3
Views: 566

Re: Save money to invest in January?

I'd invest now in taxable since the money is destined to be invested. 1. If the investment goes up, then the taxes paid to sell will be no worse a rate than what you would pay having the money sit in a savings account. 2. If the investment goes down, then you can tax-loss harvest and save money on y...
by livesoft
Mon Oct 08, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Does child foreign earned income count as gross income for determining dependent status?
Replies: 6
Views: 336

Re: Does child foreign earned income count as gross income for determining dependent status?

Doesn't foreign income exclusion require one to be out of the USA for 330 days out of 365 (or establish residency)? I haven't checked in years, but it is pretty easy for a college student to spend Thanksgiving, Christmas break, a few weeks at home in the summer and thus not be out of the USA for tha...
by livesoft
Mon Oct 08, 2018 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Exchange Funds Within TIRA
Replies: 3
Views: 164

Re: Exchange Funds Within TIRA

There are no tax implications. I did this last week.
by livesoft
Mon Oct 08, 2018 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Index vs. actively managed funds....is there a good tool to compare?
Replies: 24
Views: 1919

Re: Index vs. actively managed funds....is there a good tool to compare?

It might be compelling to go to a mid-cap index fund or blue-chip growth index fund. You essentially compared different equity classes. Or why not pick something that beat your two funds going forward even if that something is in a different asset class?s Another thing to consider is [annual] taxes ...
by livesoft
Mon Oct 08, 2018 5:37 pm
Forum: Investing - Theory, News & General
Topic: "Safe" Withdrawal Rate for Early Retirees (or any retiree)
Replies: 226
Views: 19472

Re: "Safe" Withdrawal Rate for Early Retirees (or any retiree)

HomerJ wrote:
Mon Oct 08, 2018 5:24 pm
Do you have a crystal ball that tells you how long you will live?
Of course not, but when I am 60, I can say I won't live to 70 more years. And when I am 100, I can say I won't live 30 more years. But when I am 45, what can I say?
by livesoft
Mon Oct 08, 2018 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio Watch advice
Replies: 14
Views: 1136

Re: Vanguard Portfolio Watch advice

I tilt to small-cap value, but I also tilt to large-cap grow at the present time in a strange twist because I own the ETF MTUM (I won't explain what that is). If one looks at the 9-box style grid from Morningstar.com, my portfolio has those corners higher than total market weights. Sometimes value p...
by livesoft
Mon Oct 08, 2018 5:09 pm
Forum: Investing - Theory, News & General
Topic: Debunking Bonds in Taxable
Replies: 99
Views: 10378

Re: Debunking Bonds in Taxable

Imagine if you have stocks and bonds in al of your accounts. Also imagine that you $50K in treasury fund in your taxable account (along with equities in that account), after a 10 year year bull market. Also imagine that you now need $50k for an expense. Would you rather sell that treasury fund or V...
by livesoft
Mon Oct 08, 2018 5:06 pm
Forum: Investing - Theory, News & General
Topic: "Safe" Withdrawal Rate for Early Retirees (or any retiree)
Replies: 226
Views: 19472

Re: "Safe" Withdrawal Rate for Early Retirees (or any retiree)

I don't understand how the people who say the SWR studies based on past data should not be used to make any plans about the future, then go and say that a slightly lower SWR is fine/reasonable. What are you basing that lower number on? How do you know 3%, 2% (or even 1%) will work if you discount a...
by livesoft
Mon Oct 08, 2018 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio Watch advice
Replies: 14
Views: 1136

Re: Vanguard Portfolio Watch advice

... and didn't want to be too heavy in large caps or growth stocks if it was going to put us at risk, even if we don't have a very high stock allocation. Generally, mid-caps and small-caps are riskier, so being too heavy in large caps probably reduces the risk of one's equity portfolio. And adding ...
by livesoft
Mon Oct 08, 2018 4:13 pm
Forum: Investing - Theory, News & General
Topic: What tools do you use to track your finances?
Replies: 50
Views: 3918

Re: What tools do you use to track your finances?

Quicken MS Money.

No need for spreadsheets because reports can be created within Quicken MS Money.
by livesoft
Mon Oct 08, 2018 3:21 pm
Forum: Investing - Theory, News & General
Topic: Debunking Bonds in Taxable
Replies: 99
Views: 10378

Re: Debunking Bonds in Taxable

I wouldn't worry about an old article by WCI at all. He walked that opinion back years ago. I think he gets more eyeballs to the original because it is controversial and maybe more page reads means more income to him. Bottom line, the answer to the question of Bonds in Taxable is not yes or no. it d...
by livesoft
Mon Oct 08, 2018 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Allocation
Replies: 24
Views: 2934

Re: Early Retirement Allocation

I'm using between 58-63% equities, about 31% bonds, and the rest in TIAA Real Estate Account.

But why would what I write be any more valid that any other opinion?