Search found 75635 matches

by livesoft
Sat May 08, 2021 5:31 pm
Forum: Investing - Theory, News & General
Topic: Crypto mania !
Replies: 76
Views: 2883

Re: Crypto mania !

This reminds of when we were newlyweds. We divided a stash of money and invested it in our own separate ways. The deal was: Whoever made the most money in one year would get to spend the gains or was it the difference? We both lost money. :(
by livesoft
Sat May 08, 2021 5:03 pm
Forum: Personal Investments
Topic: Total Bond Fund & BND
Replies: 6
Views: 415

Re: Total Bond Fund & BND

The Vanguard Total Bond Fund Index Admiral is around $11. The BND, which is the stock market version of the bond fund, is $85. If both are essentially the same fund, how did the prices get to be so different? R2 The same reason a gallon of milk and a cup of milk have different prices. The same reas...
by livesoft
Sat May 08, 2021 4:41 pm
Forum: Investing - Theory, News & General
Topic: Crypto mania !
Replies: 76
Views: 2883

Re: Crypto mania !

There are currently 9 threads that have crypto in the thread title on my landing page for bogleheads.org.

It's CRYPTO FOMO!

I do not own any, but my spouse is asking about it.
by livesoft
Sat May 08, 2021 4:33 pm
Forum: Personal Investments
Topic: Critique my dividend stock strategy
Replies: 21
Views: 954

Re: Critique my dividend stock strategy

Why are you comparing to a bond fund? This is like asking "Is Total US Stock Market Index fund better than a bond fund?"

Or asking something like: "I am retired, so I am switching from a 60/40 asset allocation to a 100/0 asset allocation. Is that a good thing to do?"
by livesoft
Sat May 08, 2021 3:33 pm
Forum: Investing - Theory, News & General
Topic: Inflation and FIRE
Replies: 10
Views: 864

Re: Inflation and FIRE

They use calculators such as FIRECalc.com and cfiresim.com
by livesoft
Sat May 08, 2021 3:26 pm
Forum: Personal Investments
Topic: Taxable Savings Asset Mix - Help.
Replies: 8
Views: 733

Re: Taxable Savings Asset Mix - Help.

That's a pretty wild set of ticker symbols. I like wild. What kind of benchmark will you be comparing this part of your portfolio to in order to know if you are getting a satisfactory risk-adjusted return and simply digging yourself a hole slowly? The last thing we want is to dig ourselves a hole. ...
by livesoft
Sat May 08, 2021 6:28 am
Forum: Personal Investments
Topic: Roth IRA for 13 yo kid
Replies: 27
Views: 2391

Re: Roth IRA for 13 yo kid

My teenage kids are on payroll for my business and work 3-6 hours per week They are paid minimum wage and my accountant files taxes for them every year They both have Roth IRAs to put their income into May I ask about the tax savings versus cost of doing this? I understand that your employees are a...
by livesoft
Sat May 08, 2021 5:10 am
Forum: Personal Finance (Not Investing)
Topic: EFTPS re-sign-up, and DirectPay
Replies: 3
Views: 338

Re: EFTPS re-sign-up, and DirectPay

AQ wrote: Fri May 07, 2021 9:26 pmAlso, is it OK to have an EFTPS account but also use DirectPay?
I set up EFTPS years ago and never used it. I used DirectPay first a few days after setting up EFTPS and ever since. So YES, it is OK to have an EFTPS account and use DrrectPay in my experience.
by livesoft
Sat May 08, 2021 5:00 am
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting - need to completely exit stock?
Replies: 6
Views: 687

Re: Tax loss harvesting - need to completely exit stock?

I thought I couldn’t buy anything 30 days prior to a sale, and thus can’t “sell anything purchased WITHIN the last 30 days. That's a commonly held fallacy fomented by many people not reading all the IRS text on wash sales. People stop reading too early. And yes, I agree the IRS text could be improv...
by livesoft
Sat May 08, 2021 4:54 am
Forum: Investing - Theory, News & General
Topic: Understanding cost basis to optimize taxes
Replies: 5
Views: 597

Re: Understanding cost basis to optimize taxes

Average cost basis cannot be used with stocks and ETFs. It is for mutual funds. Specific identification can be used with stocks, ETFs, and mutual funds. So if you have not been using mutual funds, then you have been using specific identification. If you do not at the time of sale specifically identi...
by livesoft
Fri May 07, 2021 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrating candidate experiences in job search
Replies: 78
Views: 5495

Re: Frustrating candidate experiences in job search

I wonder if there is anyone reading this on the other side that makes use of the "- Complete this 230 item questionnaire " in order for me (us) to learn what they do with these things. That is, I didn't think the thread had anybody hiring who used such questionnaires, so who are these peop...
by livesoft
Fri May 07, 2021 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrating candidate experiences in job search
Replies: 78
Views: 5495

Re: Frustrating candidate experiences in job search

I was struck by the verbosity of the original post. I would not want to hire someone so verbose myself.
by livesoft
Fri May 07, 2021 7:43 pm
Forum: Personal Investments
Topic: Taxable Savings Asset Mix - Help.
Replies: 8
Views: 733

Re: Taxable Savings Asset Mix - Help.

That's a pretty wild set of ticker symbols. I like wild. What kind of benchmark will you be comparing this part of your portfolio to in order to know if you are getting a satisfactory risk-adjusted return and simply digging yourself a hole slowly?
by livesoft
Fri May 07, 2021 5:45 pm
Forum: Personal Investments
Topic: Adding a bond index fund to taxable to replace HYS, and the rebalancing after
Replies: 23
Views: 1765

Re: Rebalancing after adding a large brokerage

Perhaps I got too verbose, but I am not adding multiple funds to my taxable -- but after I do add the taxable, how should I determine what percentages my C, S (and I, if helpful) Funds in the TSP should be? Use the asset allocation software on the web site of your brokerage firm. Pencil and paper w...
by livesoft
Fri May 07, 2021 5:45 pm
Forum: Investing - Theory, News & General
Topic: Is it time to rethink automatic reinvestment of dividends in a taxable account?
Replies: 20
Views: 2147

Re: Is it time to rethink automatic reinvestment of dividends in a taxable account?

We automatically reinvested mutual fund distributions in our taxable accounts back in the 1980s, 1990s, and 2000s. We didn't have any problems tracking cost basis. In the beginning there were no apps, no spreadsheet software, no tax prep software, and so on. Sure, this is the 2020s, but what will pe...
by livesoft
Fri May 07, 2021 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: What interest rate on loan would you sell shares of VTI to avoid?
Replies: 8
Views: 747

Re: What interest rate on loan would you sell shares of VTI to avoid?

scot wrote: Fri May 07, 2021 3:58 pm Not having the hassle of dealing with payments is a very reasonable justification.
Payments are less hassle than breathing nowadays with auto bill pay at your bank.
by livesoft
Fri May 07, 2021 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Can't wrap head around not having cash
Replies: 86
Views: 8006

Re: Can't wrap head around not having cash

staustin wrote: Fri May 07, 2021 8:22 amHaving cash to take advantage could be a wise strategy.
Isn't that what many people use the bond allocation in their portfolio for?

And by the same token, don't people use the equity allocation in their portfolio to take advantage of lower bond performance?
by livesoft
Fri May 07, 2021 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Can't wrap head around not having cash
Replies: 86
Views: 8006

Re: Can't wrap head around not having cash

What if you don't get a return greater than your "interest rate" of ~3 percent? What happens to your planning or outlook? Don't take from one pot to fill another. If your pots are labeled "savings," "investment/retirement funds," and "mortgage," fund each one...
by livesoft
Fri May 07, 2021 6:15 am
Forum: Personal Investments
Topic: Adding a bond index fund to taxable to replace HYS, and the rebalancing after
Replies: 23
Views: 1765

Re: Rebalancing after adding a large brokerage

If you are going to put $50K to $150K in long-term investing in a taxable account, then put ALL of that into a Total US Stock Market Index fund. Then use changes in your TSP account to adjust your overall portfolio asset allocation to desired asset allocation. Do NOT start messing around with multip...
by livesoft
Fri May 07, 2021 6:06 am
Forum: Investing - Theory, News & General
Topic: Excel for holistic balancing of portfolio
Replies: 4
Views: 643

Re: Excel for holistic balancing of portfolio

Timon0201 wrote: Fri May 07, 2021 2:46 am Any guidance would be appreciated!
I do not use a spreadsheet. Instead, I use the tools provided by my investment firms. They make it easy. Would you mind naming the firms you use, so that I might be able to guide you better?
by livesoft
Fri May 07, 2021 5:29 am
Forum: Personal Investments
Topic: Capital Gains/Dividends in a tax Deferred Account
Replies: 3
Views: 1758

Re: Capital Gains/Dividends in a tax Deferred Account

Your thread title specially states "tax Deferred" which is NOT a Roth account. Yes, you eventually pay taxes on distributions in that the taxes on those distributions are tax-deferred. A qualified withdrawal whether from original investment or any dividends or capital gains is just like wi...
by livesoft
Fri May 07, 2021 4:48 am
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting - need to completely exit stock?
Replies: 6
Views: 687

Re: Tax loss harvesting - need to completely exit stock?

No, you do not need to sell all of your stock. You do not need to sell all lots. You do not need to sell all shares in the same lot. You could sell some shares in one lot or some shares in all lots or any mix that you want.
by livesoft
Thu May 06, 2021 8:31 pm
Forum: Personal Investments
Topic: Buying Before Ex-Dividend Date
Replies: 14
Views: 859

Re: Buying Before Ex-Dividend Date

ChinchillaWhiplash wrote: Thu May 06, 2021 8:15 pm Buy the day before the Ex-date to collect the dividend. Would think the sale has to take place by the closing bell. Not sure if an after hours buy would count. You can also sell on the Ex-date and collect the dividend.
This.
by livesoft
Thu May 06, 2021 6:11 pm
Forum: Personal Investments
Topic: Portfolio Review / Advice
Replies: 5
Views: 611

Re: Portfolio Review / Advice

I'm OK with Roth being the account that has investments that are expected to grow the most. But those investments also tend to be the riskiest and that can lose the most. So my Roth does not have to avoid bonds some of the time. I consider Roth precious future tax-free space and do not want it to su...
by livesoft
Thu May 06, 2021 4:03 pm
Forum: Personal Investments
Topic: Which Brokerage Institutions Offer a 401k-based Self-Directed Brokerage Option?
Replies: 4
Views: 376

Re: Which Brokerage Institutions Offer a 401k-based Self-Directed Brokerage Option?

TDAmeritrade ... my spouse has used this with her employer. I don't know about fees because her employer pays all the fees.
by livesoft
Thu May 06, 2021 9:51 am
Forum: Personal Finance (Not Investing)
Topic: IRS not answering the phone
Replies: 37
Views: 1904

Re: The IRS does not answer the phone

I saw news article this week that said the IRS only answers about 24% of the calls.
by livesoft
Thu May 06, 2021 9:47 am
Forum: Personal Consumer Issues
Topic: "Cooling" Materials
Replies: 32
Views: 2298

Re: "Cooling" Materials

Fabric and weaves with lots of surface area are good for evaporative cooling. Technical fabric with "grids" that keep a good-size area close, but not in direct contact with skin are good. Many of these synthetic "cooling" fabrics have these features as do microfiber cloths. A fla...
by livesoft
Thu May 06, 2021 8:52 am
Forum: Personal Investments
Topic: Retirees: Monthly vs Quarterly vs Annual Distributions
Replies: 72
Views: 4101

Re: Retirees: Monthly vs Quarterly vs Annual Distributions

Random, as needed. We use credit cards to pay for everything, so we know when the bills have to be paid.
by livesoft
Thu May 06, 2021 8:25 am
Forum: Forum Issues and Administration
Topic: Posts about cyber currencies
Replies: 22
Views: 885

Re: Posts about cyber currencies

I think some folks wanted to ban discussion of ETFs about ten years ago.

Full disclosure: I do not own any of these cyber thingies.
by livesoft
Thu May 06, 2021 8:20 am
Forum: Personal Finance (Not Investing)
Topic: HSA transfer to Fidelity - an in kind transfer?
Replies: 3
Views: 298

Re: HSA transfer to Fidelity - an in kind transfer?

I moved cash. I sold investments at TDAmeritrade in February 2020, moved them back to HSA Bank, then told Fidelity to grab the cash which was completed on March 16, 2020. It was easiest and turned out to be a great market timing move. I didn't tell TDAmeritrade nor HSABank to close my accounts, but ...
by livesoft
Thu May 06, 2021 7:04 am
Forum: Personal Investments
Topic: target retirement fund in a taxable account
Replies: 61
Views: 3725

Re: target retirement fund in a taxable account

Thanks David. Exactly what I was wondering. Is there a reason that this form seems to be an issue for some starting recently? I don't recall these complaints in years past. In years past, the tax prep software didn't do much with the form. For instance years ago HRBlock said "expand whole form...
by livesoft
Thu May 06, 2021 4:22 am
Forum: Personal Investments
Topic: Selling All Lots of Individual Stock In One Go - Tax?
Replies: 22
Views: 1747

Re: Selling All Lots of Individual Stock In One Go - Tax?

Do the math:
1. What did you pay for all the shares combined?
2. What did you sell all the shares for combined?
3. What is the difference?

Individual stocks do not use average cost basis, but math does not lie.
by livesoft
Wed May 05, 2021 8:29 pm
Forum: Personal Investments
Topic: Self management of retirement funds
Replies: 30
Views: 2780

Re: Self management of retirement funds

Thank you for such good advice on this forum Any advice on mixing multiple target funds in retirement IRA accounts. I plan on using target fund 2025 and target fund 2030. The idea is I wont need all the money right away. I also have other sources of income such as pension, and dividends from taxabl...
by livesoft
Wed May 05, 2021 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Tax advice for selling stock
Replies: 9
Views: 774

Re: Tax advice for selling stock

You should sell your losers tomorrow. Or did you mean that you already sold all your losers?

As for the rest of it, I would not jump to conclusions.
by livesoft
Wed May 05, 2021 8:02 pm
Forum: Personal Consumer Issues
Topic: "Cooling" Materials
Replies: 32
Views: 2298

Re: "Cooling" Materials

Not according to CR. So if you put tap water at 67 F on a towel, then the towel will be 30 F cooler than average body temperature. Duh! Hikers use wide-brimmed light-colored hats, light-colored sun hoodies, and sun umbrellas. And yes, they soak their neck gaiters and shirts in cold water, too. Any ...
by livesoft
Wed May 05, 2021 6:48 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1157
Views: 54470

Re: Bird watchers – what birds are you seeing?

Just to give y'all something to compare to, here is a low-res pic of a non-poisonous California mountain kingsnake that I came across:

Image

This should be my last snake pic post -- I do not need another thread of snake pics myself.
by livesoft
Wed May 05, 2021 6:38 pm
Forum: Personal Investments
Topic: Sell AGG Bond Fund to TLH and Buy Short-Term Bond Fund at Fidelity
Replies: 5
Views: 497

Re: Sell AGG Bond Fund to TLH and Buy Short-Term Bond Fund at Fidelity

Thanks Livesoft. Do the corporate bonds provide more inflation protection than government bonds? I doubt it. This concept of inflation protection is kind of ridiculous. No one would pay for a bond that didn't already factor expected inflation into the price. Neither would factor in unexpected infla...
by livesoft
Wed May 05, 2021 6:19 pm
Forum: Investing - Theory, News & General
Topic: Why does raising CG taxes decrease government revenue?
Replies: 22
Views: 1470

Re: Why does raising CG taxes decrease government revenue?

Well, we will know the future when we get there.
by livesoft
Wed May 05, 2021 6:16 pm
Forum: Personal Investments
Topic: Question on tax loss harvesting
Replies: 15
Views: 1204

Re: Question on tax loss harvesting

Thank you! And to clarify, I originally purchased on 2/5. My last purchase was on 4/19 and I plan to sell at a loss on 5/20. Buy back on 6/21. I don't know why I have trouble wrapping my head around this... I just don't want to make an unforced error. Many thanks for the comments. You could sell al...
by livesoft
Wed May 05, 2021 5:48 pm
Forum: Investing - Theory, News & General
Topic: Why does raising CG taxes decrease government revenue?
Replies: 22
Views: 1470

Re: Why does raising CG taxes decrease government revenue?

langlands wrote: Wed May 05, 2021 5:42 pmCalifornia didn't increase its capital gains rate (which is simply the normal income tax rate). All this is saying is that the market did really well last year, so investors paid a lot of taxes (because they had large gains).
And those investors will pay Federal taxes, too.
by livesoft
Wed May 05, 2021 5:38 pm
Forum: Investing - Theory, News & General
Topic: Why does raising CG taxes decrease government revenue?
Replies: 22
Views: 1470

Re: Why does raising CG taxes decrease government revenue?

I certainly cannot explain it and I did not read the WSJ. However, there is this from February 2021 to suggest capital gains taxes increased the state of California revenue: https://sanfrancisco.cbslocal.com/2021/02/28/california-tax-revenues-soar-as-rich-get-richer-despite-pandemic/ But California’...
by livesoft
Wed May 05, 2021 5:24 pm
Forum: Personal Investments
Topic: When should I sell some stocks funds/Rebalance to preserve potential future losses?
Replies: 17
Views: 1576

Re: When should I sell some stocks funds/Rebalance to preserve potential future losses?

So you are asking when should you change your Asset Allocation to 85/10 or 80/20?
by livesoft
Wed May 05, 2021 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: After an HSA rollover into Fidelity, close other account immediately or wait 1 year for 1099-R?
Replies: 7
Views: 549

Re: After an HSA rollover into Fidelity, close other account immediately or wait 1 year for 1099-R?

I don't think their is a 1099-R for HSAs. I do not recall getting anything at all from my former HSA that would need to be reported on my tax return.
by livesoft
Wed May 05, 2021 2:55 pm
Forum: Personal Investments
Topic: 529 Worthwhile For Graduate School?
Replies: 12
Views: 781

Re: 529 Worthwhile For Graduate School?

Your daughter probably won't be paying taxes on capital gains, so if you gave her the principal to invest for capital gains herself, then when she sold no taxes on them. That leads to: Give her shares NOW that have unrealized long-term capital gains. Have her sell to realize the gains and pay no tax...
by livesoft
Wed May 05, 2021 12:33 pm
Forum: Personal Investments
Topic: Sell AGG Bond Fund to TLH and Buy Short-Term Bond Fund at Fidelity
Replies: 5
Views: 497

Re: Sell AGG Bond Fund to TLH and Buy Short-Term Bond Fund at Fidelity

If in a taxable account, then it seems like a good idea to me. Just buy VCSH or SPSB which are both short-term corporate bond index funds. These are probably among the highest risk short-term bond funds. There are probably more than a couple dozen short-term bonds index ETFs, so one can pick their d...
by livesoft
Wed May 05, 2021 12:10 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1157
Views: 54470

Re: Bird watchers – what birds are you seeing?

Coral snake? Yes, a really healthy beautiful almost 3 foot long coral snake. I came across another one a few miles away the next day. Around us copperheads and cottonmouths are much more common. I haven't seen a rattlesnake close to home yet, but a few out backpacking. Many more non-poisonous snake...
by livesoft
Wed May 05, 2021 12:08 pm
Forum: Personal Investments
Topic: Question on tax loss harvesting
Replies: 15
Views: 1204

Re: Question on tax loss harvesting

I just had one more follow up to my post... Is there a problem if I make two transactions (one in Fidelity and one in Vanguard) to sell at a loss to avoid a wash sale? For example, I have a $10k loss of Stock X at Fidelity. I have a $12k loss of the same stock X at Vanguard. I'd like to sell both o...
by livesoft
Wed May 05, 2021 8:15 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1157
Views: 54470

Re: Bird watchers – what birds are you seeing?

JAZZISCOOL wrote: Wed May 05, 2021 8:10 am... That snake looks pretty scary but the link says it isn't dangerous. :beer
We can post snake pics now? Here's one of three poisonous snakes that I've seen very recently. The video is better, but this is just a frame grabbed from it.

Image
by livesoft
Wed May 05, 2021 8:10 am
Forum: Personal Investments
Topic: IPS: Bond Allocation by Age (31M/29F) and Net Worth
Replies: 6
Views: 449

Re: IPS: Bond Allocation by Age (31M/29F) and Net Worth

... what would be the questions you'd ask yourself when creating your Investor Portfolio Statement. I would be asking, "Why do I even need an IPS? Just because someone on the Internet said I needed one? Do I even need one and if I make one, will I stick it in a drawer somewhere and never look ...