Search found 61080 matches

by livesoft
Wed Jul 18, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Another avg cost vs. Spec ID decision
Replies: 12
Views: 712

Re: Another avg cost vs. Spec ID decision

Anything net over $3,000 will be carried forward.

This looks like a great opportunity to exchange into a replacement fund and be done with non-covered shares. And also to consider getting bond funds out of taxable and perhaps make things more tax efficient going forward.
by livesoft
Wed Jul 18, 2018 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Another avg cost vs. Spec ID decision
Replies: 12
Views: 712

Re: Another avg cost vs. Spec ID decision

Use spec ID and don't sell any of the non-covered shares. Done. I doubt the non-covered shares have a loss anyways.

OTOH, if average cost per share is under current NAV and you hold these shares in a taxable account, this is a GOLDEN opportunity to sell ALL the shares at a loss. Don't waste it.
by livesoft
Wed Jul 18, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 87
Views: 8345

Re: Salary vs. Lifestyle

Everybody I know that has had higher salary has figured out a way to enjoy life while earning a higher salary. I think much of the pain now stuff is just talk to make the wealthy feel more normal and not get hassled by the less well off.
by livesoft
Wed Jul 18, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: Backdoor Roth questions. ??
Replies: 10
Views: 721

Re: Backdoor Roth questions. ??

Is "acct" 'account' or 'accountant'? If "he" is 'accountant', then I suggest you talk to him. In your situation, I would be able to backdoor Roth and do Roth conversions, but you are not me. I can call him but are you saying if a 5606 (sic) was not filed each year. I cannot now do a backdoor Roth ?...
by livesoft
Wed Jul 18, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: 403B Coal Raking! Help!
Replies: 14
Views: 1318

Re: 403B Coal Raking! Help!

When making a stink, I would send clippings of newspaper articles documenting how other institutions of higher learning have been sued and lost.
by livesoft
Wed Jul 18, 2018 8:25 am
Forum: Investing - Theory, News & General
Topic: International Stocks in Taxable?
Replies: 26
Views: 1706

Re: International Stocks in Taxable?

I have 100% of my international allocation in taxable. TurboTax claims the credit for me when I import my brokerage data. I am curious about the amount of your credit. It is rather simple if less than the $300/$600 amount for single/joint filers, but bogleheads.org has several posts about Form 1116...
by livesoft
Wed Jul 18, 2018 7:37 am
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 82
Views: 4971

Re: How do you handle the urge to DO something?

I go off the grid and backpack in the wilderness for days at a time. When I come back, I discover that nothing has happened.
by livesoft
Wed Jul 18, 2018 7:35 am
Forum: Investing - Theory, News & General
Topic: International Stocks in Taxable?
Replies: 26
Views: 1706

Re: International Stocks in Taxable?

Just checked looks like I make about 5k/yr (dividends) on international in my taxable account At $5K dividends, then I suspect you would have paid less than $600 in foreign taxes, but you can check your 1099-DIV(s) and see what you did pay. And check your 2017 tax return to see that you did get a c...
by livesoft
Wed Jul 18, 2018 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Received IRS notice CP 2000 asking more tax. Need help.
Replies: 18
Views: 1578

Re: Received IRS notice CP 2000 asking more tax. Need help.

I can see that the IRS has programmed its algorithms so that any living expenses for a student of more than $15,000 a year would create a need for a special explanation and the easiest way to get that explanation is to send a CP2000 to the taxpayer. Probably only 3 tax returns nationally every year ...
by livesoft
Wed Jul 18, 2018 7:00 am
Forum: Investing - Help with Personal Investments
Topic: short-term treasuries for short-term savings?
Replies: 9
Views: 546

Re: short-term treasuries for short-term savings?

I did the experiment of buying short-term Treasuries, specifically a 3-month T-bill. There is nothing wrong with that, but it would be slightly more complicated than buying Vanguard Prime Money Market or a T-bill ETF. My point is that there is nothing magic about short-term Treasuries and there are ...
by livesoft
Wed Jul 18, 2018 6:54 am
Forum: Investing - Theory, News & General
Topic: Decrease International Growth Fund Admiral and buy Total International Stock Index Adm
Replies: 12
Views: 1061

Re: Decrease International Growth Fund Admiral and buy Total International Stock Index Adm

Exactly. How do you know if you are being influenced by "confirmation bias"? Wouldn't you want to sell high, then buy low? OTOH, I haven't looked at how the other funds you mentioned have performed. I suppose that if you look at the combined performance of all of those international funds together ...
by livesoft
Wed Jul 18, 2018 6:43 am
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 3198

Re: 35 minute connection for flight, long enough?

I just flew through Denver with a short connection, but not 35 minutes short. My arriving flight landed 20 minutes early, so I had no problems. In Denver with United, one may need to use the shuttle train to switch concourses, too. But the week before, I had an 80 minute layover in San Francisco and...
by livesoft
Wed Jul 18, 2018 6:38 am
Forum: Investing - Theory, News & General
Topic: Backdoor Roth questions. ??
Replies: 10
Views: 721

Re: Backdoor Roth questions. ??

Is "acct" 'account' or 'accountant'? If "he" is 'accountant', then I suggest you talk to him. In your situation, I would be able to backdoor Roth and do Roth conversions, but you are not me.
by livesoft
Wed Jul 18, 2018 6:37 am
Forum: Investing - Theory, News & General
Topic: International Stocks in Taxable?
Replies: 26
Views: 1706

Re: International Stocks in Taxable?

So what complexity did VTIAX add to your 2017 tax return?
by livesoft
Tue Jul 17, 2018 7:45 pm
Forum: Investing - Theory, News & General
Topic: Rebalance into international?
Replies: 7
Views: 962

Re: Rebalance into international?

If one is underweight in an asset class according to their asset allocation plan, then one should direct new contributions and dividends into the underweighted asset class. If one uses "bands" to decide when to rebalance, then one should check their bands. If one uses date to rebalance, then one sho...
by livesoft
Tue Jul 17, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Received a ESOP payout...what to do with it?
Replies: 8
Views: 914

Re: Received a ESOP payout...what to do with it?

You have an asset allocation plan, so just follow it. I don't see what the big deal is.
by livesoft
Tue Jul 17, 2018 6:16 pm
Forum: Investing - Theory, News & General
Topic: Backdoor Roth questions. ??
Replies: 10
Views: 721

Re: Backdoor Roth questions. ??

You didn't mention the Form 8606 that you have been filing every year that you made non-deductible traditional IRA contributions. Since you have been doing that, I think you got this down and are practically a pro at all this. Am I right?
by livesoft
Tue Jul 17, 2018 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Quick question on taxable account in early retirement
Replies: 9
Views: 1005

Re: Quick question on taxable account in early retirement

As noted, the dividends from a taxable account will appear as income on Form 1040 via Schedule B, just like interest appears on Form 1040 via Schedule B. It is true that if you sell shares in a taxable account, the return of capital (cost basis) is not reported as income, but the net capital gains/l...
by livesoft
Tue Jul 17, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: How do I find information on home security cameras that came with the house?
Replies: 14
Views: 902

Re: How do I find information on home security cameras that came with the house?

No reason to bother running fake wires all the way to the basement. So I expect the camera is real. Could be true, but the wires could have been run before the cameras were purchased, then to save money, fake cameras were put in. I only write this because of the OP's statement about the builder's a...
by livesoft
Tue Jul 17, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: suit shoe combo?
Replies: 37
Views: 1723

Re: suit shoe combo?

No one will care what shoes you wear. But maybe when/if the wedding takes place if the groom and groomsmen are wearing red sneakers, then you will know you had an influence.
by livesoft
Tue Jul 17, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: How do I find information on home security cameras that came with the house?
Replies: 14
Views: 902

Re: How do I find information on home security cameras that came with the house?

They could be fake cameras to ward off folks.
https://www.google.com/search?q=fake+ou ... or+cameras

The builder could be clever to put in fake wires, too.
by livesoft
Tue Jul 17, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: suit shoe combo?
Replies: 37
Views: 1723

Re: suit shoe combo?

I hope you didn't pay $100 for a $20 pair of shoes.
by livesoft
Tue Jul 17, 2018 3:41 pm
Forum: Investing - Theory, News & General
Topic: Fund price questions
Replies: 3
Views: 275

Re: Fund price questions

It wouldn't hurt to contact your 401(k) people and ask them about this. You will probably find that the expense ratio of your version of the fund is different from what you think.
by livesoft
Tue Jul 17, 2018 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest 100000?
Replies: 36
Views: 2450

Re: When to invest 100000?

If you are 100% sure there is a crash of 35%-50% from these levels, then you should sell short VTI. Somehow if push comes to shove, I just don't think you are 100% sure and so you won't do this. But I am willing to be proved wrong. But if you are 100% sure there is a crash of 35%-50% from some unkno...
by livesoft
Tue Jul 17, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Know Your Investor Personality
Replies: 26
Views: 2586

Re: Larry Swedroe: Know Your Investor Personality

To put a positive spin on this missive from Swedroe, I think he should write about the "perfect" investor in each category and how that investor behaves and avoids the biases Swedroe listed. :twisted:
by livesoft
Tue Jul 17, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Need Help Evaluating HVAC Needs and Quotes
Replies: 21
Views: 1646

Re: Need Help Evaluating HVAC Needs and Quotes

Get two more quotes.
by livesoft
Tue Jul 17, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Why is my bond fund going up with interest rates?
Replies: 16
Views: 1508

Re: Why is my bond fund going up with interest rates?

My take is different. There was so much worry about bonds losing money that people sold out of them back in early May in an emotional behavioral finance mistake. Bonds got oversold. One could tell this because of the large, single-day drop. Then people came to their senses and had to buy back into b...
by livesoft
Tue Jul 17, 2018 7:09 am
Forum: Investing - Help with Personal Investments
Topic: Help with Solo 401k Placement
Replies: 15
Views: 673

Re: Help with Solo 401k Placement

Both Schwab and Fidelity have decent in-house index mutual funds that are no-commission. As long as you avoid Vanguard mutual funds at these two brokers, I think you can pay zero commissions on the things you should want to buy.
by livesoft
Tue Jul 17, 2018 6:35 am
Forum: Investing - Help with Personal Investments
Topic: Help with Solo 401k Placement
Replies: 15
Views: 673

Re: Help with Solo 401k Placement

Thanks for the response. I just want to write now that "research" at a brokerage firm is a red herring. One doesn't need to do any research at a brokerage firm's web site since the rest of the internet is so much better. Besides, if one is buying index funds (index ETFs and index mutual funds), ther...
by livesoft
Tue Jul 17, 2018 6:08 am
Forum: Investing - Help with Personal Investments
Topic: Please help me untangle this mess!
Replies: 17
Views: 2466

Re: Please help me untangle this mess!

They do have attractive expense ratios for small-cap foreign equity funds. Look at the expense ratios of Vanguard small-cap foreign equity funds for a comparison.

They would be good options since SPDW does not hold all of international equities. SPDW holds only developed market equities.
by livesoft
Tue Jul 17, 2018 6:05 am
Forum: Investing - Help with Personal Investments
Topic: Help with consolidating Retirement and taxable portfolio
Replies: 16
Views: 1299

Re: Help with consolidating Retirement and taxable portfolio

@nish, TDAmeritrade charges more to buy/sell mutual funds than $6.95. TDAmeritrade charges $0.00 to buy/sell many ETFs if you follow the rules. So do most other brokerages. With all those mutual funds in your TDAmeritrade accounts, it may cost you quite a bit to sell them. What is the current ratio ...
by livesoft
Tue Jul 17, 2018 5:20 am
Forum: Investing - Help with Personal Investments
Topic: Help with Solo 401k Placement
Replies: 15
Views: 673

Re: Help with Solo 401k Placement

Since trades are free at Vanguard, I don't see how Schwab will be less expensive.

I use multiple brokers where all my trades are free, but I don't use Schwab. I don't think that complicates things.

What do you intend to buy within your 401(k)? That might help you decide which custodian to use.
by livesoft
Mon Jul 16, 2018 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me untangle this mess!
Replies: 17
Views: 2466

Re: Please help me untangle this mess!

I like TDAmeritrade, but maybe you should switch your Roths and your taxable account to Vanguard? Are you willing to do that? I would switch if there was a good reason. I got some advice here that the STPM ETF is pretty close to the a guard TSM fund so I moved my taxable stuff there. Was thinking I...
by livesoft
Mon Jul 16, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me untangle this mess!
Replies: 17
Views: 2466

Re: Please help me untangle this mess!

His 401(k) could / should hold only the Bond Index fund and the S&P 500 index fund. With that as an anchor, the other accounts should be easy to figure out. For instance, the Roth IRAs could hold the so-called completion index (aka extended market index) and small-cap foreign index. Her 401(k) could...
by livesoft
Mon Jul 16, 2018 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me untangle this mess!
Replies: 17
Views: 2466

Re: Please help me untangle this mess!

I like TDAmeritrade, but maybe you should switch your Roths and your taxable account to Vanguard? Are you willing to do that?
by livesoft
Mon Jul 16, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 84
Views: 5192

Re: Families - What's your total annual credit card spend?

We pay almost everything with a credit card: phone bills, other utilities, insurance, college tuition, plus all the usual stuff. We try to never ever use cash for anything. So about $17 a year.
by livesoft
Mon Jul 16, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Shoe shine, airport?
Replies: 8
Views: 1284

Re: Shoe shine, airport?

Hotels will have your shoes shined as well. Dry cleaners may have a shoe shine/repair service, too.

I've not had to wear shoes that need shining since about the time of my wedding and I rented shiny shoes for that.
by livesoft
Mon Jul 16, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 2622

Re: Would you pay $120 for a 5 year dishwasher warranty?

I would not. I know how to fix dishwashers.
by livesoft
Mon Jul 16, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: How much did your braces/invisalign braces cost?
Replies: 32
Views: 2535

Re: How much did your braces/invisalign braces cost?

Under $4K for one kid. The other kid, no braces. I think $6K is at least $2K too much. Shop around. We did.
by livesoft
Mon Jul 16, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for young colleague please
Replies: 26
Views: 2041

Re: Advice for young colleague please

She can invest 18,500 in 401k and then 5,500 Roth IRA per year I believe. Not 401k and tIRA both. Feel pretty sure about that. ?? The nuance is that while she could invest in a tIRA, it would not be tax deductible, so there would be no point and the Roth IRA would be a better choice. Why would she ...
by livesoft
Mon Jul 16, 2018 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Can I Tax loss harvest this?
Replies: 3
Views: 430

Re: Can I Tax loss harvest this?

Just wait until the 31st day AFTER 6/29 and then TLH. So to answer you question: Yes.
by livesoft
Mon Jul 16, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 72
Views: 3268

Re: Have you ever purchased a pricy musical instrument?

Pianos. Plural. My spouse was a music major.
by livesoft
Mon Jul 16, 2018 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Advice for young colleague please
Replies: 26
Views: 2041

Re: Advice for young colleague please

kjsammy wrote:
Mon Jul 16, 2018 8:59 am
She can invest 18,500 in 401k and then 5,500 Roth IRA per year I believe. Not 401k and tIRA both. Feel pretty sure about that. ??
The nuance is that while she could invest in a tIRA, it would not be tax deductible, so there would be no point and the Roth IRA would be a better choice.
by livesoft
Mon Jul 16, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 59
Views: 4540

Re: Bears!!!

For us, recycling just replaces curbside garbage with curbside materials in a recycling container. As for composting, we do that, but there is very little to compost if one chooses food wisely and eats it. One example is an apple. Here are two apples, one before cutting to eat and one after. Note th...
by livesoft
Mon Jul 16, 2018 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Advice for young colleague please
Replies: 26
Views: 2041

Re: Advice for young colleague please

She should put 100% of her 401(k) in one (1) single fund: Vanguard Target Retirement 2045.

If she can, then later she should start a Roth IRA and put the contributions in one (1) single fund: Vanguard Target Retirement 2045.
by livesoft
Mon Jul 16, 2018 8:28 am
Forum: Investing - Theory, News & General
Topic: Is rebalancing an advantage when holding a 3 fund portfolio instead of 2 or 1 fund portfolio?
Replies: 17
Views: 828

Re: Is rebalancing an advantage when holding a 3 fund portfolio instead of 2 or 1 fund portfolio?

If one does rebalancing at opportune times, then rebalancing is an advantage. Otherwise, it is probably not an advantage. I think most investors cannot rebalance at opportune times. I think most times are inopportune for rebalancing, so there is a higher probability of rebalancing at an inopportune ...
by livesoft
Mon Jul 16, 2018 8:17 am
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 68
Views: 4538

Re: $540 a month on food for graduate student budget too much?

It doesn't take a few hours a week to shop for food and cook food. And eating out / eating leftovers can be cheap and healthy.
by livesoft
Mon Jul 16, 2018 8:00 am
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 68
Views: 4538

Re: $540 a month on food for graduate student budget too much?

^And if you split a Chipotle burrito bowl of sofritas w/guacomole, that would be $8/3 = $2.67 per meal. You could not cook dinners and do take-out in Houston and spend less than many people do cooking at home. This post has a photo of a meal and a cash register receipt: https://www.bogleheads.org/fo...