Bogleheads.org

livesoft

Sorry if this is posted elsewhere, but would your view change if you (or OP) were <= 55 with 4+ years before you can [easily] access your retirement accounts and needed to balance "income" for ACA? In my view, cash gives more options for income/tax management in those early years... Just ...

livesoft

I got everything I wanted. Thanks to everyone who commented with ideas and encouragement. And if you are ever in a battle with a utility company... remember your state's Public Commission exists to help you. Thanks --- Brian Nicely done! As for my state's PUC, we shall have to see how all the lawsu...

livesoft

I would buy myself a new car and give my old car to my child.

livesoft

JAZZISCOOL wrote: ↑Fri Apr 16, 2021 7:09 pm ^Livesoft:

Nice owl photo! Is that a Saw-whet owl? I can't see how large it is from the photo.

Thanks. Barred owl.

livesoft

Anyone else done this? How well did it work? Haven't done that. Instead, I spend any cash I find on stock ETFs and bond ETFs so that my 60/40 portfolio grows. In order to pay expenses, I do sell stock ETFs and bond ETFs as needed. I feel that whether I have any cash or not is NOT going to save my 6...

livesoft

In the woods, broad daylight. Who's seeing who?

Cell phone pic:

livesoft

IIRC, TDAM requires you to select cost basis for shares you sell after you make the sale, but before it settles (2-3 days). But you can do it online, which makes it easier than RH's process. TDAM has a little drop down menu on order entry to select an algorithm (your chosen method, LIFO, FIFO, HIFO...

livesoft

peddler12 wrote: ↑Thu Apr 15, 2021 3:07 pm
livesoft wrote: ↑Thu Apr 15, 2021 3:05 pm Buy something that has actually dropped a little bit since you sold. Easy.
Thank you livesoft.

So you bought back almost everything you sold, right?

livesoft

I'm laughing about the "one year old" vehicle price. Dealers have these old used cars on their lots priced at about new prices to make people contrast them to new prices and then go, "Hmmm, I can get a new car at the same price or lower than an old car, so I will just buy a new car.&q...

livesoft

We had two 529 plans for each of our children: a plan of all equity owned by my spouse and a plan of all fixed income owned by me. That allowed us to tax loss harvest the plan with all equities without interference from the plan of all fixed income. Tax laws have changed since then.

livesoft

I understand what tuition cost at my state universities (about $15K a year), but I'm not sure what it would cost for private or even out of state state universities. I keep on hearing that you get tuition breaks for being a good student, finance etc. For background my kid will have a 4.0 GPA (but n...

livesoft

Throw them some money and see what happens. Your personal experience will matter much more than anything you will read here.

livesoft

... I have a 60 day buy order for $128. I would never have limit order out there for more than the current market session (good for day). Instead, I would set a price alert at my broker so the broker would send me an e-mail or text message for any given price. When I got the alert, then I would dec...

livesoft

This dilemma is exactly what has kept me from converting my VG mutual funds to their ETF equivalents. Uh.. you don't have to sell and buy... you can ask vanguard to convert them. I thought it was clear that NYCPete knew they could do the conversion, but NYCPete didn't want to deal with the anxiety ...

livesoft

When I've looked at rebalancing if I decided to move to using ETFs, I keep coming back to the same conclusion. Which is that, when taking into account volatility and wondering when to execute orders, ETFs don't seem all that competitive if the mutual fund alternative is also relatively comparable i...

livesoft

Send me via PM or just put it here what the ticker symbols are and I will give an explicit answer. One will probably do both market orders and limit orders. One can do it in chunks over days, too. Or all at once. Get some practice with smaller amounts and have some fun and learn something for your e...

livesoft

I think it is OK to mess with your 40% in bonds. I certainly do. BUT!!! BUT: Be sure you keep careful and accurate records of the performance of Total US Bond and whatever else you do. That is, if you don't change what would the performance be? And whatever you change to, what is the actual performa...

livesoft

With your fixed income locked up, how would you rebalance into equities such as in March 2020?

livesoft

What did your mother say?

livesoft

Hello. I changed my job last year (2020) and overcontributed to my 403b by $911 I realized this in early March 2021 and requested my current employer to correct this by removing $1000 Fidelity sent me a check for $1350 However, I do not have a 1099-R form. I called Fidelity and they said the form w...

livesoft

After doing well riding the past bond market interest rate yield down to the present, I currently have all my bonds in short term Treasuries (VFIRX,FUMBX). I know there is no easy answer but would you start shoveling all or some of bonds into VBTLX now? No, I would not. I sell bond fund shares when...

livesoft

Do you really care if you have to pay an extra $1, 55, $10, $50 in taxes? After all, if the contribution limit was higher I think you would contribute a higher amount, right? There would be no new taxes on your original contribution that's for certain.

livesoft

Hello! Long time lurker and first time poster here. I have a question about Backdoor Roth. Its my understanding that if i have NO traditional IRA anywhere it will be no taxes due on a conversion correct? Allowed amount in= same amount out. Thank you! That's a slight misunderstanding I think. If you...

livesoft

If $SPY is the S&P500 SPDR with ticker symbol SPY, then I would not call it "safe." Stocks, and ETFs of stocks and equities are not safe.

I suggest a pause and start at https://www.bogleheads.org/wiki/Getting_started

livesoft

Buy something that has actually dropped a little bit since you sold. Easy.

livesoft

badger42 wrote: ↑Thu Apr 15, 2021 1:31 pm As long as they are still 3.2V / same chemistry, any of the 1000mAh batteries should be fine. Charging cutoffs are done by voltage, not capacity.

This.

livesoft

I haven't read this, but it may be helpful: https://www.bogleheads.org/wiki/Rolling_ladders_versus_bond_funds Personally, I want to use bond ETFs so that I can sell some shares on days like today and buy them back when they are 0.5% lower. I do not sell ALL shares that I own, so I am never out of th...

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...

Search found 75467 matches