Search found 75426 matches

by livesoft
Wed Apr 14, 2021 8:30 pm
Forum: Personal Consumer Issues
Topic: Lawn care question
Replies: 35
Views: 1956

Re: Lawn care question

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...
by livesoft
Wed Apr 14, 2021 8:10 pm
Forum: Personal Investments
Topic: Wash sale question
Replies: 6
Views: 238

Re: Wash sale question

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 ...
by livesoft
Wed Apr 14, 2021 8:08 pm
Forum: Personal Consumer Issues
Topic: Lawn care question
Replies: 35
Views: 1956

Re: Lawn care question

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 ...
by livesoft
Wed Apr 14, 2021 6:57 pm
Forum: Personal Consumer Issues
Topic: Food label question
Replies: 5
Views: 368

Re: Food label question

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...
by livesoft
Wed Apr 14, 2021 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Moron of the year award goes to me: need help with rechar/pro rata Roth stuff
Replies: 8
Views: 503

Re: Moron of the year award goes to me: need help with rechar/pro rata Roth stuff

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"?
by livesoft
Wed Apr 14, 2021 5:53 pm
Forum: Forum Issues and Administration
Topic: Why PM messages are stuck in outbox ?
Replies: 7
Views: 384

Re: Why PM messages are stuck in outbox ?

Eagle33 wrote: Wed Apr 14, 2021 5:51 pm By "read" did you mean reed or red? :twisted:
Maybe they meant "unread."
by livesoft
Wed Apr 14, 2021 5:49 pm
Forum: Personal Consumer Issues
Topic: DIY Pest Control
Replies: 5
Views: 409

Re: DIY Pest Control

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...
by livesoft
Wed Apr 14, 2021 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: HSA catch up contribution
Replies: 4
Views: 281

Re: HSA catch up contribution

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...
by livesoft
Wed Apr 14, 2021 4:05 pm
Forum: Investing - Theory, News & General
Topic: Index fund ETFs
Replies: 7
Views: 415

Re: Index fund ETFs

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...
by livesoft
Wed Apr 14, 2021 2:25 pm
Forum: Personal Investments
Topic: How to find reinvested share price for ETF
Replies: 5
Views: 243

Re: How to find reinvested share price for ETF

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
by livesoft
Wed Apr 14, 2021 2:10 pm
Forum: Personal Consumer Issues
Topic: Lawn care question
Replies: 35
Views: 1956

Re: Lawn care question

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 ...
by livesoft
Wed Apr 14, 2021 1:00 pm
Forum: Personal Consumer Issues
Topic: Offering position to candidate interviewed 7 months ago
Replies: 22
Views: 1049

Re: Offering position to candidate interviewed 7 months ago

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.
by livesoft
Wed Apr 14, 2021 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard poor service vs actual errors
Replies: 14
Views: 1091

Re: Vanguard poor service vs actual errors

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...
by livesoft
Wed Apr 14, 2021 12:44 pm
Forum: Personal Investments
Topic: cost basis for a covered call
Replies: 3
Views: 230

Re: cost basis for a covered call

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...
by livesoft
Wed Apr 14, 2021 10:30 am
Forum: Personal Investments
Topic: Taxes: withdrawing from my Bond ETF fund??
Replies: 12
Views: 353

Re: Taxes: withdrawing from my Bond ETF fund??

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...
by livesoft
Wed Apr 14, 2021 9:45 am
Forum: Personal Investments
Topic: Taxes: withdrawing from my Bond ETF fund??
Replies: 12
Views: 353

Re: Taxes: withdrawing from my Bond ETF fund??

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...
by livesoft
Wed Apr 14, 2021 9:40 am
Forum: Personal Investments
Topic: 529 plans and individual stock picking
Replies: 3
Views: 188

Re: 529 plans and individual stock picking

Never seen one that allows that.
by livesoft
Wed Apr 14, 2021 9:36 am
Forum: Personal Investments
Topic: Taxes: withdrawing from my Bond ETF fund??
Replies: 12
Views: 353

Re: Taxes: withdrawing from my Bond ETF fund??

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...
by livesoft
Wed Apr 14, 2021 9:19 am
Forum: Personal Investments
Topic: Taxes: withdrawing from my Bond ETF fund??
Replies: 12
Views: 353

Re: Taxes: withdrawing from my Bond ETF fund??

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,...
by livesoft
Wed Apr 14, 2021 9:10 am
Forum: Investing - Theory, News & General
Topic: Beginning to evaluate the holdings of Vanguard Target Retirement Funds
Replies: 106
Views: 5037

Re: Beginning to evaluate the holdings of Vanguard Target Retirement Funds

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! :D
This already exists, but not at Vanguard. You need to switch your money to another firm.
by livesoft
Wed Apr 14, 2021 8:54 am
Forum: Personal Investments
Topic: cost basis for a covered call
Replies: 3
Views: 230

Re: cost basis for a covered call

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. ...
by livesoft
Wed Apr 14, 2021 7:49 am
Forum: Investing - Theory, News & General
Topic: Rebalance time for retiree- If I buy VBTLX now what do I get?
Replies: 11
Views: 1093

Re: Rebalance time for retiree- If I buy VBTLX now what do I get?

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...
by livesoft
Wed Apr 14, 2021 6:44 am
Forum: Personal Investments
Topic: With Vanguard, is it possible to find foreign tax credit information on a month-to-month basis?
Replies: 2
Views: 257

Re: With Vanguard, is it possible to find foreign tax credit information on a month-to-month basis?

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...
by livesoft
Tue Apr 13, 2021 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: How would you handle this? -- big utility company problem!
Replies: 56
Views: 3203

Re: How would you handle this? -- big utility company problem!

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...
by livesoft
Tue Apr 13, 2021 6:53 pm
Forum: Personal Consumer Issues
Topic: Cicadas
Replies: 23
Views: 1694

Re: Cicadas

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.
by livesoft
Tue Apr 13, 2021 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: First child entering college in the fall... need some advice
Replies: 94
Views: 5321

Re: First child entering college in the fall... need some advice

I've heard that Ron Lieber's new book on paying for college has some things for parents. Check it out.
by livesoft
Tue Apr 13, 2021 5:09 pm
Forum: Personal Consumer Issues
Topic: Cicadas
Replies: 23
Views: 1694

Re: Cicadas

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.
by livesoft
Tue Apr 13, 2021 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: First child entering college in the fall... need some advice
Replies: 94
Views: 5321

Re: First child entering college in the fall... need some advice

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-...
by livesoft
Tue Apr 13, 2021 9:37 am
Forum: Personal Consumer Issues
Topic: 10+ year old used cars?
Replies: 48
Views: 2801

Re: 10+ year old used cars?

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.
by livesoft
Tue Apr 13, 2021 9:28 am
Forum: Personal Consumer Issues
Topic: Mouse Help
Replies: 14
Views: 982

Re: Mouse Help

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 ...
by livesoft
Tue Apr 13, 2021 8:15 am
Forum: Personal Consumer Issues
Topic: Cockroach Coming Out of Hole in Sink?
Replies: 15
Views: 1426

Re: Cockroach Coming Out of Hole in Sink?

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...
by livesoft
Tue Apr 13, 2021 4:58 am
Forum: Investing - Theory, News & General
Topic: FTC and 1116: How to do it with TurboTax
Replies: 10
Views: 805

Re: FTC and 1116: How to do it with TurboTax

This is all above my pay grade. I'm sure you will figure it out somehow.
by livesoft
Tue Apr 13, 2021 4:57 am
Forum: Personal Consumer Issues
Topic: Cockroach Coming Out of Hole in Sink?
Replies: 15
Views: 1426

Re: Cockroach Coming Out of Hole in Sink?

Please read The Metamorphosis by Franz Kafka.
by livesoft
Mon Apr 12, 2021 7:28 pm
Forum: Personal Investments
Topic: Emergency (oh my God fund)
Replies: 45
Views: 4497

Re: Emergency (oh my God fund)

We have an amount of money in bond funds that can be used at any time for anything we want.
by livesoft
Mon Apr 12, 2021 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about Frequent trading or market-timing
Replies: 6
Views: 598

Re: Questions about Frequent trading or market-timing

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...
by livesoft
Mon Apr 12, 2021 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Group wants me to be CFO -- advice?
Replies: 35
Views: 3456

Re: Medical Group wants me to be CFO -- advice?

There are "part-time" CFOs for hire.
by livesoft
Mon Apr 12, 2021 8:34 am
Forum: Personal Finance (Not Investing)
Topic: 1099R Form Redistribution Code Tax Question
Replies: 14
Views: 651

Re: 1099R Form Redistribution Code Tax Question

If your income is low enough to make a direct Roth IRA contribution, then there would be no need to make a non-deductible traditional IRA contribution, then convert it to a Roth.

I would not use the word "Backdoor" at all.
by livesoft
Mon Apr 12, 2021 8:07 am
Forum: Personal Finance (Not Investing)
Topic: 1099R Form Redistribution Code Tax Question
Replies: 14
Views: 651

Re: 1099R Form Redistribution Code Tax Question

Also note that codes N and R that you mentioned are NOT for conversions, but are for recharacterizations. Those are two different things. If there is a vocabulary issue here, then get that straightened out or if it cannot be straightened out lose the loser. Also ask them to pay you for their "c...
by livesoft
Mon Apr 12, 2021 7:58 am
Forum: Personal Finance (Not Investing)
Topic: 1099R Form Redistribution Code Tax Question
Replies: 14
Views: 651

Re: 1099R Form Redistribution Code Tax Question

A little internet search has this for Code 2 in Box 7. https://thelink.ascensus.com/articles/2020/12/16/irs-form-1099-r-box-7-distribution-codes I'm sure other places have the same. More important is probably whether the Check Box is checked or not. I see lots of people missing this on this forum. T...
by livesoft
Mon Apr 12, 2021 5:10 am
Forum: Investing - Theory, News & General
Topic: FTC and 1116: How to do it with TurboTax
Replies: 10
Views: 805

Re: FTC and 1116: How to do it with TurboTax

Were foreign taxes withheld on only the foreign dividends or were they also withheld on the foreign capital gains income?
by livesoft
Mon Apr 12, 2021 4:53 am
Forum: Personal Finance (Not Investing)
Topic: Questions about Frequent trading or market-timing
Replies: 6
Views: 598

Re: Questions about Frequent trading or market-timing

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...
by livesoft
Sun Apr 11, 2021 10:16 pm
Forum: Investing - Theory, News & General
Topic: FTC and 1116: How to do it with TurboTax
Replies: 10
Views: 805

Re: FTC and 1116: How to do it with TurboTax

Are you a resident of a non-US country? Do you pay foreign taxes on your earned income? Or are the only foreign taxes that you paid automatically withheld and paid by your brokerage firm(s)? What are the ticker symbols of the investments that have foreign taxes withheld AND reported on your 1099-DIV...
by livesoft
Sun Apr 11, 2021 10:02 pm
Forum: Personal Investments
Topic: Roth Conversion Strategies
Replies: 14
Views: 2151

Re: Roth Conversion Strategies

I do a Roth conversion on Really Bad Days in the stock market such as occurred in March 2020. The amount I convert is determined by using tax-prep software to get up to the top of the tax bracket. I also make charitable contributions (bunching every other year via DAF) to increase the "space&q...
by livesoft
Sun Apr 11, 2021 8:39 pm
Forum: Personal Investments
Topic: Looking for tool to manage multiple accounts, rebalance, help with taxes and planning
Replies: 5
Views: 613

Re: Looking for tool to manage multiple accounts, rebalance, help with taxes and planning

I have multiple accounts, but most of them have no transactions in them and thus the number of shares doesn't change enough from month to month to matter. That is, manually changing the number of shares is easier than downloading the information from somewhere. I use MS Money on a laptop running MS ...
by livesoft
Sun Apr 11, 2021 3:43 pm
Forum: Personal Consumer Issues
Topic: Marantec: Are Rolling Code Garage Door Openers Really Necessary?
Replies: 9
Views: 883

Re: Marantec: Are Rolling Code Garage Door Openers Really Necessary?

My garage door makes the noise it makes even when the robotic door opener is not used. That is, almost ALL of the noise happens even when manually opening and closing the garage door. It never occurred to me to get a quieter robotic opener as I wouldn't even notice whether it was making any noise or...
by livesoft
Sun Apr 11, 2021 3:30 pm
Forum: Investing - Theory, News & General
Topic: Trading Platforms
Replies: 10
Views: 642

Re: Trading Platforms

I use thinkorswim for free, but not to place trades.

Stock trades are free for me at WellsTrade, but I only buy/sell ETFs nowadays.

I'm not sure what you mean by "agility."
by livesoft
Sun Apr 11, 2021 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: The primary factor for picking a College/University is out of pocket cost
Replies: 164
Views: 7739

Re: The primary factor for picking a College/University is out of pocket cost

These recurring college threads make me wonder: Who reading this had a child or themselves admitted to HYPMS and didn't attend any of them?
by livesoft
Sun Apr 11, 2021 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: The primary factor for picking a College/University is out of pocket cost
Replies: 164
Views: 7739

Re: The primary factor for picking a College/University is out of pocket cost

I thought the purpose of going to college was to meet a future spouse that would provide for you in the manner to which you are accustomed.