Bogleheads.org

livesoft

Just change where your monthly contributions go in order to do a rebalance "on-the-fly." You can make the change whenever you feel like it. Your current allocation is close enough to your nominal allocation and well within most triggering bands that I have seen, so if you do nothing for no...

livesoft

TheTimeLord wrote: ↑Thu Apr 15, 2021 12:21 pmLivesoft endorsing the MTUM, today is a momentous day indeed.

I am not endorsing buying MTUM today. If one owns it and needs to rebalance out of equities, then selling it today would be something to consider.

livesoft

e5116 wrote: ↑Thu Apr 15, 2021 12:06 pm I keep waiting for a pullback and it never happens.

Here is what the pullback looked like in 2021 in a Morningstar chart:

You must have slept through it because it happened.

livesoft

Thanks. Would you have any more information on this ? Both my and my husband's employers are megacorps who dole out standard payslips and W2s. They won't make an exception for us in terms of deferring income or anything like that. Wondering whether "restructuring income" is something I ca...

livesoft

What dilemma? Many investors do not have a total market weighted portfolio. For myself, I strive to have a portfolio with no more than 50% in the large-cap row of the M* 9-box style grid. At the moment, my portfolio has 47% in that row. If you want to have some fun, then just work with the ETFs MTUM...

livesoft

One can always try a year with paying for tax prep.

I think the tax prep is not the issue. It is doing things with compensation and investments BEFORE even getting to the tax prep part.

livesoft

I see that VBTLX has a one-month return of 0.67%, so if one had bought it a month ago when the YTD return was about -3.6% and a few folks were talking about buying opportunity, then one would have made more in one month than they would have made in an entire year in a money market fund or in cash. ...

livesoft

Your current allocation is fine. It seems that at $10K per year going to college, you will be paying some from your checking account anyways and can make up any shortfall if the 529 plan does not go up in value. Or shoot for the moon and put it 100% in equities! In other words, I don't think anyone ...

livesoft

As an aside FireCalc also does not take into account investing costs such as expense ratios, loads, or any other costs. One can enter into the FireCalc interface their portfolio's expense ratio and other fees. It is the entry field at the top of the page displayed by clicking on the Portfolio tab. ...

livesoft

Consider the taxable account as an extension of the rest of your accounts. Generally people put any bonds desired in the 401k/TSP/IRA accounts and then fill any remaining space and the taxable with stocks. This is because stocks are generally taxed favorably compared to bonds. Keep the whole portfo...

livesoft

Small-cap value is a top performing asset class for 2021 so far. SCV funds have been up more the 30% in the first 3 months of 2021.

Perhaps it is time to rebalance OUT of SCV?

livesoft

.... For example, in this chart, the red line represents cumulative growth of the stock market, while the green line represents the results that would have been obtained by an investor who invested in the market at the start of every year when the market made a profit, but went to cash at the start...

livesoft

Sell one and see how it goes. At that point you can do the math on your future tax return and also decide whether to sell another one in the same year or not. Rinse and repeat. Do the tax math.

livesoft

Small-cap value was up at least 32% in 2021 at mid-March, but lost 10% in less than 2 weeks after its peak. It has recovered a little bit since its dip. RBDs have paid off well so far in 2021, but maybe that's because the general trend is up for everything except bond funds. I have rebalanced out of...

livesoft

This year, on the recommendation of a close friend and lawn care nut I'm trying the herbicide Tenacity along with a surfactant as both a preemergent crabgrass and existing weed killer. I hate having to worry about weeds but if you let them get to bad the amount of work to get your lawn back to good...

livesoft

No I haven’t sold the stock yet. I used some cash to buy more at a lower price... but I’d like to sell some previously purchased shares when it gets closer to the higher price that I paid. It sounds like I’d just have to wait at least 30 days from today before selling any shares of that stock? You ...

livesoft

I've used Crossbow with great success. Works much, much better than your typical weed killer that you find in stores, ... Crossbow is the typical weed killer that you find in stores. I read the active ingredients on the jug shown in the link. It is mostly 2,4-D and some triclopyr. There is nothing ...

livesoft

Does anyone know how this is handled? The food labels that I read show "Serving Size", so what does it say on your olives and pickles? Unless the oil and brine are included in the serving size, then they are not in the nutrition label. Nuts are probably listed by weight with an additional...

livesoft

Do not fear the pro rata thing. Did you read the Instructions for Form 8606 and also the Form 8606 itself and try to fill it out "by hand"?

livesoft

Eagle33 wrote: ↑Wed Apr 14, 2021 5:51 pm By "read" did you mean reed or red?

Maybe they meant "unread."

livesoft

I do my own pest control. Here in SE Texas it is very easy. When I see ants inside, I put out some liquid Terro which is pretty benign stuff for non-ants. I replace some roach baits about every 6 months. The roach stuff comes in little plastic thingies and I put them inside the pantry, under the fri...

livesoft

IRS Publication 969 has all the details. Yes, if you open your own HSA you can contribute $1,000 for 2020. Your spouse can have their own $1,000 catch-up, too. The family plan 2020 limit it $7100 without catch-up, so he should probably only contribute $999.98 as his catch-up. This assumes both of yo...

livesoft

Many places are calculating the NAV (or net asset value) of an ETF share in real time as the company shares in the index (and thus in ETF) are traded in real time. No one is going to sell you a share of an ETF that is below its perceived value and you are not going to be able to sell a share above i...

livesoft

Each brokerage can reinvest ETF dividends on different days and different times, so there is no one single place to look up this information.

See also: viewtopic.php?p=3439105#p3439105

livesoft

If you decide to use weed killer, then do NOT treat the entire lawn, but try it out on a patch where you can see what happens to both the weeds and the grass. That way you can see if in an untreated patch, the weeds die from temperature alone or just because their annual life cycle is complete. You ...

livesoft

Triple digit golfer wrote: ↑Wed Apr 14, 2021 12:53 pmIs it bad form to call and basically say, "Our first choice hasn't worked out after all this time, are you still interested in joining us?"

I do not consider it bad form.

livesoft

I'm not sure if this counts, but I have seen dividends paid twice by Vanguard to my non-Vanguard brokerage account where I hold Vanguard ETFs. When I asked my brokerage firm about this the response was quick both times: "Vanguard sent us the wrong information and when they corrected what they s...

livesoft

I never received any 1099-B for options trades [made years ago]. I do not think they are required to be created at all by the brokerage firm. That is, option trades might not be reportable transactions. But now I see they are reportable transactions: https://finance.zacks.com/options-trading-reporte...

livesoft

I do not have "hundreds" of tax lots. This is mostly because I tax-loss harvested during 2000 and 2008-2009 along with the fact that I am not in the accumulation phase anymore. Nevertheless, one would eat an elephant one bite at a time. As for tools, my brokerages show the percent gain/los...

livesoft

Neat - But is there an advantage to do that for a new / intermediate investor? I am thinking not, but I don't have a way to verify. I hope someone can do an analysis to see if their version of Spec ID vs using a tax Sensitive algorithm has meaningful differences. Fidelity (and my other brokerage fi...

livesoft

Never seen one that allows that.

livesoft

So I am trying to learn here. In this case of Fidelity, there are various disposal methods available. If OP chose tax sensitive, would it not do what you describe with much less overhead? While I have a Fidelity account I have never sold shares there that I transferred in which were in one single l...

livesoft

Taxes work the same on bond funds: If you sell shares and realize a capital gain, then you will declare that as income. if you sell and realize a capital loss then you get to deduct that on your taxes either in the same tax year or eventually depending on the amount of the loss. If not already done,...

livesoft

Flashes1 wrote: ↑Wed Apr 14, 2021 9:05 amThis idea is my ticket to great wealth! I just need to figure out a way to patent it!

This already exists, but not at Vanguard. You need to switch your money to another firm.

livesoft

If you were writing and selling a tax-prep software how would you do it? Many people blindly import or simply make up brokerage transactions. We have see many times reported on the forum where non-covered shares were sold and a 1099-B had no cost basis basis which means cost basis was left at zero. ...

livesoft

I see that VBTLX has a one-month return of 0.67%, so if one had bought it a month ago when the YTD return was about -3.6% and a few folks were talking about buying opportunity, then one would have made more in one month than they would have made in an entire year in a money market fund or in cash. I...

livesoft

No, it is not possible. One can figure out from the year-end data what the tax rate was for each ticker symbol that you have tax paid on your 1099-DIV, then apply that rate to each dividend received to get some idea of the quarterly amounts on the quarterly dividends. At least that way if you own di...

livesoft

I went to half-time at age 50. it was never a grind though.

livesoft

Answers to some comments above: 1. Elderly neighbors are aware of the situation. So is one of their kids, who handles their finances. They actually agreed with me -- months ago -- that this was happening. The utility company was fighting this more than my neighbors were. 2. Neighbors are well off f...

livesoft

gerntz wrote: ↑Tue Apr 13, 2021 6:49 pmThese cicadas emerge from underground only every 17 years ....

I think new cicadas of this species emerge every year, but the "every 17" brood is large which makes for another large brood 17 years hence. There are always cicadas every year.

livesoft

I've heard that Ron Lieber's new book on paying for college has some things for parents. Check it out.

livesoft

Here where I live in Texas we have cicadas, katydids, and tree frogs all summer long, so nights are noisy anyways. I haven't seen any cicadas yet though nor the exoskeletons that they leave on the outside walls of the house and tree trunks.

livesoft

The OP's investments may go up by over $200K each of the following 4 years, so paying for college will just put a little dent in that growth, but nothing to worry too much about. I don't see financial aid in the future for this family, but the students can certainly work during the summers and part-...

livesoft

I don't need to save that kind of money, so I would not buy a 10-year-old used car, but one of my children might from me.

livesoft

You can probably also buy copper scrub pads that will do the same, but will never rust from moisture. And keep them in place with spray expanding foam. Mice will chew through the wires in your dishwasher and refrigerator and possiibly live in the insulation of these appliances. I rented a home that ...

livesoft

Ever since roach sex hormone was synthesized, roach traps, baits, and poisons have really cut back their numbers. One doesn't need to really spray the interior of their house/apartment/dwelling anymore to essentially eradicate roaches. However, it is true that roaches will travel from surrounding ar...

livesoft

This is all above my pay grade. I'm sure you will figure it out somehow.

livesoft

Please read The Metamorphosis by Franz Kafka.

livesoft

We have an amount of money in bond funds that can be used at any time for anything we want.

livesoft

But my question is Frequent trading or market-timing . If I were to buy and sell AAPL shares frequently like day trading, do I get dinged by the policy? Your trades in stock will not be free after a certain number and you will be charged a commission. Those commissions are explained on the vanguard...

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