Search found 62715 matches

by livesoft
Tue Dec 11, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: investing books for gifts
Replies: 12
Views: 770

Re: investing books for gifts

I've given White Coat Investor's book to non-physicians.
by livesoft
Tue Dec 11, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: VG ETF ? ... VT not = VTI+VXUS
Replies: 8
Views: 615

Re: VG ETF question -

Because people don't like the packaging.
by livesoft
Tue Dec 11, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: foreign tax in Vgd year-end distribution estimates
Replies: 2
Views: 196

Re: foreign tax in Vgd year-end distribution estimates

I've never had any luck getting the numbers in a timely fashion. Never.
by livesoft
Tue Dec 11, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: 58 y/o nearing retirement - looking at economic/stock market indicators
Replies: 36
Views: 5254

Re: 58 y/o nearing retirement - looking at economic/stock market indicators

drhoda wrote:
Mon Dec 03, 2018 11:20 pm
Am I crazy to be so conservative?
No, but perhaps you are only crazy thinking that it is logical for everyone else to do as you do?
by livesoft
Tue Dec 11, 2018 3:23 pm
Forum: Investing - Theory, News & General
Topic: Could a brokerage 'cheat' its own mutual fund investors during TLH?
Replies: 7
Views: 567

Re: Could a brokerage 'cheat' its own mutual fund investors during TLH?

It is easier and more legal to cheat on the automatic dividend reinvesting that brokerages do for clients.

Even easier is to pay virtually nothing for the interest rate on the cash in a sweep or settlement account.
by livesoft
Tue Dec 11, 2018 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Account simplification strategies w.r.t. asset allocation?
Replies: 7
Views: 252

Re: Account simplification strategies w.r.t. asset allocation?

I do not use 3-fund per account. Most accounts have one single fund in them. I do almost all rebalancing for the single portfolio by making changes in only one account. The others are included in the analysis, but are on auto-pilot / set-and -forget. See this thread for more discusisons: https://www...
by livesoft
Tue Dec 11, 2018 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Clarification on Qualified Dividend and Year end
Replies: 1
Views: 188

Re: Clarification on Qualified Dividend and Year end

The holding period extends across calendar-year boundaries, so holding those shares of VTIAX until February as you wrote will have the qualified dividends remain qualified to you. But you might wish to calculate the change in the taxes. I did this once and I think the difference was less than a doll...
by livesoft
Tue Dec 11, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Foreign Tax & Capital Gains on International in Tax-Advantaged
Replies: 7
Views: 254

Re: Foreign Tax & Capital Gains on International in Tax-Advantaged

In a tax-advantaged account, you won't pay any US taxes on the money paid out to foreign countries as a tax, so there is that tax savings there. :twisted:
by livesoft
Tue Dec 11, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: TLH when not itemizing
Replies: 6
Views: 806

Re: TLH when not itemizing

But dividends are ordinary income, so whether one says the $3,000 in question is offsetting dividends or salary or interest or other income is kind of immaterial. The $3,000 that is offset will reduce Adjusted Gross Income. That is, it is an above the [AGI] line deduction. That's why it is only "kin...
by livesoft
Tue Dec 11, 2018 9:47 am
Forum: Investing - Theory, News & General
Topic: What should a new investor being reading?
Replies: 31
Views: 2261

Re: What should a new investor being reading?

I have not seen mentioned some very important things for new US investors to be reading, so I will mention them here. Lots of IRS Publications which will affect a US investor all through their life. Please read and understand the following: IRS Publication 550 IRS Publication 590A and 590B for all a...
by livesoft
Tue Dec 11, 2018 8:20 am
Forum: Investing - Help with Personal Investments
Topic: What to do with wife's small IRA
Replies: 7
Views: 417

Re: What to do with wife's small IRA

If her spouse has earned income, then she can contribute to her IRA. So if that's the case, transfer to Vanguard and make it bigger.
by livesoft
Tue Dec 11, 2018 8:17 am
Forum: Investing - Help with Personal Investments
Topic: For those waiting for a 'correction' ...
Replies: 109
Views: 1235657

Re: For those waiting for a 'correction' ...

I saw a report that the S&P500 was down 10% from its high back in September 2018. A chart shows the Vanguard S&P500 index fund VFIAX has hit this 10%-off level 3 times since then on 10/29, 11/25, and 12/07. Another report wrote that more than half of the S&P500 companies were down 20% or more, so be...
by livesoft
Tue Dec 11, 2018 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Great Personal Loss – Guidance and Financial Questions
Replies: 36
Views: 4939

Re: Great Personal Loss – Guidance and Financial Questions

I was deeply dismayed to read this thread and want to extend my condolences and heartfelt sympathy to you Northernboy. I have no specific financial advice and it seems that you are getting good advice. This forum should be honored that you chose to come here in this time of personal tragedy. Already...
by livesoft
Tue Dec 11, 2018 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Backtesting pitfalls
Replies: 4
Views: 269

Re: Backtesting pitfalls

A google search is a good way to find backtesting pitfalls. Typically, researchers try a few things, such as cross validation, out of sample testing, removing random bits of the data, etc (Those are all saying pretty much the same thing). For financial data, I often see researchers see if the same r...
by livesoft
Mon Dec 10, 2018 9:26 pm
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Estimated Year-End Distributions (Div & CG)
Replies: 57
Views: 4671

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: 789

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: 789

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: 7
Views: 670

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: 26
Views: 1997

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: 57
Views: 4671

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: 789

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: 205

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: 57
Views: 4671

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: 252

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: 15
Views: 862

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: 277

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: 277

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: 965

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: 498

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: 102
Views: 6878

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: 803

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: 752

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: 752

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: 752

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: 315

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: 15
Views: 626

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: 49
Views: 4202

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: 31
Views: 2468

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: 15
Views: 626

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: 2998

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: 660

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 - Theory, News & General
Topic: Has anyone adjusted their stock allocation on the dip?
Replies: 65
Views: 4631

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: 49
Views: 4202

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: 356

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: 1188

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: 502

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: 1620

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: 410

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...