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by livesoft
Wed Sep 02, 2015 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvestments of dividends - automatic vs manual?
Replies: 9
Views: 255

Re: Reinvestments of dividends - automatic vs manual?

I find there are a couple of benefits and perhaps more I cannot think of right now: 1. The dividend does not sit around waiting for you to take action. Sometimes when things are volatile, one has a behaviorial fart and decides to wait. Auto prevents this. 2. If one is using mutual funds, then the au...
by livesoft
Wed Sep 02, 2015 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvestments of dividends - automatic vs manual?
Replies: 9
Views: 255

Re: Reinvestments of dividends - automatic vs manual?

alonwein wrote:If I may ask:
how can you choose between the two options?

You call your broker and ask that question. Most US brokers will do dividend reinvestment for free. I do not know about all brokers, so you need to ask your broker.
by livesoft
Wed Sep 02, 2015 3:46 pm
Forum: Investing - Theory, News & General
Topic: Comprehensive list of tax loss harvesting partners
Replies: 8
Views: 442

Re: Comprehensive list of tax loss harvesting partners

… while still being similar enough, too.
by livesoft
Wed Sep 02, 2015 3:44 pm
Forum: Investing - Theory, News & General
Topic: Why did the markets recover from the 10% loss last October?
Replies: 24
Views: 2080

Re: Why did the markets recover from the 10% loss last October?

Weren't there also protests in Hong Kong going on and possible crackdown by Chinese authorities?
Invasion of Ukraine?
Drop in oil prices?
Greeks doing something?
You know, all the usual things.
by livesoft
Wed Sep 02, 2015 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvestments of dividends - automatic vs manual?
Replies: 9
Views: 255

Re: Reinvestments of dividends - automatic vs manual?

There is a wiki article: http://www.bogleheads.org/wiki/Reinvesting_dividends_in_a_taxable_account In the last couple of weeks folks have learned that indiscriminant automatic reinvestment of dividends in either a taxable or a tax-advantaged account may create wash sales when selling shares at a los...
by livesoft
Wed Sep 02, 2015 3:04 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 116
Views: 8135

Re: TLH for absolute dummies [Tax Loss Harvesting]

"You must sell them in a separate transaction at least one day before you sell the shares in your taxable account." Where is the bolded portion, "one day before" coming from when selling shares in an IRA purchased within the last 30 days and you want to TLH from the same fund in...
by livesoft
Wed Sep 02, 2015 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Finishing rebalancing, moving forward....
Replies: 2
Views: 123

Re: Finishing rebalancing, moving forward....

Folks will ask you to re-post following the format described in this thread: viewtopic.php?f=1&t=6212

Welcome.
by livesoft
Wed Sep 02, 2015 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Marketable limit order buffer %/$
Replies: 6
Views: 176

Re: Marketable limit order buffer %/$

As you've noticed, it often executes below the limit entered, so the real goal is to avoid paying too much in a blip. RM For me, the goal is to never pay the posted ask price, but to pay less. Also, when selling my goal is always sell higher than the stated bid price. A secondary goal is to sell at...
by livesoft
Wed Sep 02, 2015 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Marketable limit order buffer %/$
Replies: 6
Views: 176

Re: Marketable limit order buffer %/$

I would have put the limit much close to the ask, say $43.64. 1% higher is a HUGE amount that I would not ever suggest. I bought BND with market orders today. The spread was one cent at the time and I got half-way between bid/ask. My feeling is that sometimes a limit order gets "hung up" b...
by livesoft
Wed Sep 02, 2015 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring to Vanguard funds w/o getting out of the market?
Replies: 3
Views: 203

Re: Transferring to Vanguard funds w/o getting out of the market?

^The problem is that one will not know the dollar/cents amount of the sale until tomorrow. One will not know it today, so one cannot use it to buy today.

Once again, just because the web site does not allow something, does not mean that a Vanguard customer service rep cannot do something for you.
by livesoft
Wed Sep 02, 2015 12:35 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 116
Views: 8135

Re: TLH for absolute dummies [Tax Loss Harvesting]

Revision: I put on my "TurboTax/IRS language hat" and wrote out this [unfinished] TLH algorithm draft which I am submitting here for comments: Do you have any shares in your taxable account that have a price lower than what you paid for them? No - Stop here, you do not have a harvestable l...
by livesoft
Wed Sep 02, 2015 12:05 pm
Forum: Investing - Theory, News & General
Topic: Large short term market swings - why?
Replies: 8
Views: 460

Re: Large short term market swings - why?

I think these large daily swings are here to stay because of several factors: 1. Information disseminates quickly and efficiently. In the past daily changes were slow because information oozed out to a few people, then their friends, then others, then eventually the world. The folks who got the info...
by livesoft
Wed Sep 02, 2015 11:26 am
Forum: Personal Finance (Not Investing)
Topic: What to expect when you move to open relationship (with bank)?
Replies: 5
Views: 480

Re: What to expect when you move to open relationship (with bank)?

They don't know you from Adam, so they do not care. I've used several banks over the last few decades. I've even left a bank and returned to it. What is even more fun is to see employees change, too. Maybe they were at your old bank and are now working for your new bank. An "investment advisor ...
by livesoft
Wed Sep 02, 2015 11:01 am
Forum: Investing - Theory, News & General
Topic: Nothing is something worth doing
Replies: 13
Views: 844

Re: Nothing is something worth doing

@RodC, I am happy to report the following: I made about $350 or enough for 35 sushi lunches. Last week I sold the all shares in my Vanguard taxable account that had losses. The only fund I had in that account was VLCAX. The sale amount was about $24,000 and I exchanged into a money market fund. The ...
by livesoft
Wed Sep 02, 2015 10:32 am
Forum: Investing - Theory, News & General
Topic: Nothing is something worth doing
Replies: 13
Views: 844

Re: Nothing is something worth doing

My rebalancing bands are not static, but change temporarily on RBDs. I am pretty sure I have noted this before on the forum.
by livesoft
Wed Sep 02, 2015 10:04 am
Forum: Investing - Theory, News & General
Topic: Nothing is something worth doing
Replies: 13
Views: 844

Re: Nothing is something worth doing

Actually, no. I followed Larry Swedroe's advice and did something: viewtopic.php?p=2610316#p2610316

Yesterday's RBD required me to rebalance by buying. This morning's big gain required me to rebalance by selling.
by livesoft
Wed Sep 02, 2015 10:01 am
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 116
Views: 8135

Re: TLH for absolute dummies [Tax Loss Harvesting]

I'm delighted the post was of some help. :) I like the flow chart being developed above, too. But I have questions about it: What does Thanksgiving have to do with anything? Why 3% of the total value of the holding? Why wait until you've owned the instrument for at least 11 months? You wouldn't wai...
by livesoft
Wed Sep 02, 2015 9:37 am
Forum: Investing - Help with Personal Investments
Topic: ?Wash sale and 529s
Replies: 7
Views: 328

Re: ?Wash sale and 529s

Who knows?! Until the IRS issues a ruling, I think you are probably in the clear. And here is why: Even if they took you to task, you can show them the record of your past, current, and future monthly contributions which would clearly demontrate that you really had no intent of using the 529 plan as...
by livesoft
Wed Sep 02, 2015 9:32 am
Forum: Investing - Theory, News & General
Topic: fourth in series on this correction-what if any lesson you learned
Replies: 3
Views: 363

Re: fourth in series on this correction-what if any lesson you learned

Very helpful!

I am sure you will be writing the same things next time, too, but there are always new investors who will benefit.
by livesoft
Wed Sep 02, 2015 9:01 am
Forum: Investing - Theory, News & General
Topic: Why did the markets recover from the 10% loss last October?
Replies: 24
Views: 2080

Re: Why did the markets recover from the 10% loss last October?

I wasn't too concerned about why the drop occurred last October, but I couldn't think of why it recovered. Anyways, this speaks to the current situation in that there does not have to be anything memorable to make the market go higher. It does not seem that my portfolio needs to live in the moment a...
by livesoft
Wed Sep 02, 2015 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Preparing for the next TLH opportunity
Replies: 4
Views: 351

Re: Preparing for the next TLH opportunity

Is this something you would just manage as part of future TLH opportunities and re-direct from one to the other as needed (switch to send dividends to VTIAX in order to harvest losses in VTSAX, etc.)? I want to avoid creating a future problem. I suppose the bond fund would be most useful in that re...
by livesoft
Wed Sep 02, 2015 6:51 am
Forum: Investing - Help with Personal Investments
Topic: Market levels and stock holdings
Replies: 17
Views: 1200

Re: Market levels and stock holdings

grabiner wrote:… you should put stocks in your Roth IRA.

Yes, but only stocks that go up and not ones that go down.
by livesoft
Wed Sep 02, 2015 6:47 am
Forum: Investing - Theory, News & General
Topic: bid and asked prices in panic times like this past week
Replies: 21
Views: 1334

Re: bid and asked prices in panic times like this past week

On a Mac, I think Quicktime is the easiest way to do screen recordings and that is what I use.

Oh, you should remove the first word of your post, too.
by livesoft
Wed Sep 02, 2015 5:52 am
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 83
Views: 3969

Re: Selling all equities, discuss why I'm wrong. :)

OK, maybe you are 101 years old and have bills to pay, but you didn't tell us. :)

Do you ever plan to restore some kind of allocation to equities in the future? Why or why not?
by livesoft
Wed Sep 02, 2015 4:38 am
Forum: Investing - Theory, News & General
Topic: bid and asked prices in panic times like this past week
Replies: 21
Views: 1334

Re: bid and asked prices in panic times like this past week

The two block trades that I saw were 1 cent outside the outside the visible best bid/ask. That seemed a fair price to pay for such a large order in one go.
by livesoft
Wed Sep 02, 2015 4:24 am
Forum: Investing - Help with Personal Investments
Topic: How many years of tax loss carry forward do you keep?
Replies: 2
Views: 439

Re: How many years of tax loss carry forward do you keep?

More than 100 years. I do not care about the math because those carryover losses will help offset future 7-figure realized gains and not just ordinary income.
by livesoft
Tue Sep 01, 2015 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Chip credit cards, do I need to get a PIN?
Replies: 37
Views: 1851

Re: Chip credit cards, do I need to get a PIN?

ofcmetz wrote:My main credit card, the Fidelity AmEx still doesn't have the chip.

Mine does. It was my first card with a chip. Go figure.
by livesoft
Tue Sep 01, 2015 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Co-Workers Think I'm Doomed Based on Portfolio Perf.
Replies: 41
Views: 3609

Re: Co-Workers Think I'm Doomed Based on Portfolio Perf.

The L2030 is just fine, but maybe you are not putting the maximum possible into your accounts?

Ask your colleagues what their return is of their I fund, too. If they do not answer with a negative number, then I would question their truthfulness.
by livesoft
Tue Sep 01, 2015 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Chip credit cards, do I need to get a PIN?
Replies: 37
Views: 1851

Re: Chip credit cards, do I need to get a PIN?

dbCooperAir wrote:Took me about 10 swipes to figure it out, then I looked at the picture of where to stick it :oops:

First time, I couldn't figure it out, so I used another card. But to my credit, the next time it only took 3 tries and I read the error message in full.
by livesoft
Tue Sep 01, 2015 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another TLH question..
Replies: 6
Views: 298

Re: Yet another TLH question..

renjuzone wrote:Plus, Dont buy fund X for another 30 days. Easy/peasy? :)
Yes.

BTW: just read https://www.bogleheads.org/forum/viewtopic.php?p=2607950#p2607950 . Suggest this should be added to a standard wiki :)

You didn't notice the mistakes in that draft? Uh-oh. Not easy/peasy just yet.
by livesoft
Tue Sep 01, 2015 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Aspiration [Investment management company]
Replies: 18
Views: 1076

Re: Aspiration

I looked at the web site and saw nothing of substance. I came away thinking, "Let's see, Vanguard lets me pay them what I want to, namely $0.00 for all services and I get to invest in all the things very wealthy people invest it." I also came away thinking, "Nothing of substance here....
by livesoft
Tue Sep 01, 2015 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another TLH question..
Replies: 6
Views: 298

Re: Yet another TLH question..

Thank you. 1,2 and 3 make sense. I am still confused re: #4. If I am understanding #4 correctly, the only way I can TLH partial funds is if I TLH after 31 days of the last purchased funds? Or if you sell the funds purchased in the previous 30 days, too. If you want to TLH partial funds, sell the sh...
by livesoft
Tue Sep 01, 2015 8:21 pm
Forum: Personal Consumer Issues
Topic: Alcatraz question
Replies: 11
Views: 966

Re: Alcatraz question

I visited Alcatraz earlier this year. While there, the elderly garden tour guide huffed and puffed at most stops on his walk. Also while I was there, an elderly woman stumbled on an unlevel/broken sidewalk, fell down, and cut her forehead. So there are hazards for folks who are not sure-footed or wh...
by livesoft
Tue Sep 01, 2015 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another TLH question..
Replies: 6
Views: 298

Re: Yet another TLH question..

1) Based on these above details, if I plan to TLH the entire VTIAX fund into VFWAX, I can only do so after 31 days from 8/8/15 or after 9/8/15, correct? Or because I plan to sell the entire fund, can I sell/exchange at any time? Because you plan to sell/exchange the entire fund you can do so at any...
by livesoft
Tue Sep 01, 2015 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Chip credit cards, do I need to get a PIN?
Replies: 37
Views: 1851

Re: Chip credit cards, do I need to get a PIN?

@dbr, OK, so the USAA card is a true Chip-and-PIN EMV useful in foreign kiosks? The USAA card web site gives no hints about getting a PIN or the usefulness there-of. @Timoneer, what I am worried about is that if I had a PIN with a chip&sign card and used the PIN at a self-serve place that it wou...
by livesoft
Tue Sep 01, 2015 7:01 pm
Forum: Investing - Theory, News & General
Topic: Why did the markets recover from the 10% loss last October?
Replies: 24
Views: 2080

Why did the markets recover from the 10% loss last October?

I saw a post asking about any upcoming expected news that might make the markets go up. I recall how the markets dropped about 10% in mid-October 2014, but for the life of me, I cannot remember why US markets recovered so quickly. Does anybody remember without going to look it up? The stocks-in-free...
by livesoft
Tue Sep 01, 2015 6:46 pm
Forum: Investing - Theory, News & General
Topic: Does the Three Fund Portfolio need a roboadviser?
Replies: 80
Views: 6518

Re: Does the Three Fund Portfolio need a roboadviser?

However, you also have taxable accounts that you HAVE been contributing to this year, and these DO have tax lots with losses. These are the ones you've decided to TLH this past week due to a moderate yet significant drop. Correct? Correct. I think then I bought in a taxable account only 4 times so ...
by livesoft
Tue Sep 01, 2015 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Total Index funds vs Select ETF's?
Replies: 10
Views: 690

Re: Total Index funds vs Select ETF's?

RunningWild wrote:It would seem more aggressive to me for example to invest in large cap growth index funds versus a total market fund. Does that make sense?

That makes me think of a few things:
Chasing performance.
Buying high.
Skating to where the puck was.

Maybe one should buy the out-of-favor ETFs instead?
by livesoft
Tue Sep 01, 2015 6:06 pm
Forum: Investing - Theory, News & General
Topic: Is there a greater probability of buying low with ETFs than mutual funds?
Replies: 13
Views: 839

Re: Is there a greater probability of buying low with ETFs than mutual funds?

I think the answer is pretty simple. If you believe that intraday price movements follow a random walk, the answer is no. If you believe prices follow a predictable pattern that is not random, and that you can predict it, the answer is yes. I cannot agree with this. Random walks can have biases upw...
by livesoft
Tue Sep 01, 2015 6:05 pm
Forum: Investing - Theory, News & General
Topic: Is there a greater probability of buying low with ETFs than mutual funds?
Replies: 13
Views: 839

Re: Is there a greater probability of buying low with ETFs than mutual funds?

miles monroe wrote:the same number who lost money who were on the other side of the trade.

Unless they bought years ago at a much lower price.
by livesoft
Tue Sep 01, 2015 5:45 pm
Forum: Investing - Theory, News & General
Topic: Does the Three Fund Portfolio need a roboadviser?
Replies: 80
Views: 6518

Re: Does the Three Fund Portfolio need a roboadviser?

^It really wouldn't matter if folks had a spreadsheet or not. They have stated they would not rebalance if rebalancing required them to buy stocks after a big down day.
by livesoft
Tue Sep 01, 2015 5:42 pm
Forum: Investing - Theory, News & General
Topic: VTCLX and VTMSX designed not to overlap?
Replies: 10
Views: 620

Re: VTCLX and VTMSX designed not to overlap?

Like retiredjg wrote: One is a large-cap fund and one is a small-cap fund, so yes, they are definitely designed to not overlap.
by livesoft
Tue Sep 01, 2015 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 5964

Re: If stocks dropped 30% next Monday, would you rebalance?

:) I suppose, but it was not meant to be a prediction. The question was meant to see if Bogleheads actually follow their "buy, hold, and rebalance" words faithfully which is another way of stating "stay the course". My conclusion right now is that most folks would not stay the co...
by livesoft
Tue Sep 01, 2015 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 5964

Re: If stocks dropped 30% next Monday, would you rebalance?

larmewar wrote:No. Because by the time I knew the market closed down 30%, the market would be closed such that I couldn't rebalance.

Lar

You could rebalance the next day. The original post did not specify a time frame for rebalancing.
by livesoft
Tue Sep 01, 2015 5:09 pm
Forum: Investing - Theory, News & General
Topic: Is there a greater probability of buying low with ETFs than mutual funds?
Replies: 13
Views: 839

Re: Is there a greater probability of buying low with ETFs than mutual funds?

I am a big fan of ETFs and only have a few mutual funds. The possibility definitely exists that one can pay more intraday for an ETF than its closing price. Presumably, the fund purchase would get something close to the closing price. I suppose since the stock market seems to go up 66% or more of th...
by livesoft
Tue Sep 01, 2015 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for the next TLH opportunity
Replies: 4
Views: 351

Re: Preparing for the next TLH opportunity

Clearly, there is no need to rush and do anything. I just bought some VTIAX in a taxable account today and doubled the number of funds in all my taxable accounts. Alas, I own VTIAX in two different IRAs. Am I worried about it? Not at all. Do you have only a single fund in your IRAs? If not, just hav...
by livesoft
Tue Sep 01, 2015 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Chip credit cards, do I need to get a PIN?
Replies: 37
Views: 1851

Re: Chip credit cards, do I need to get a PIN?

If one reads the about the mechanism of these chips that probably came with one of their cards, one can see how the increased security is absolutely true.
by livesoft
Tue Sep 01, 2015 4:41 pm
Forum: Investing - Theory, News & General
Topic: 401(k) IRA Rollover Promotion Money
Replies: 13
Views: 511

Re: 401(k) IRA Rollover Promotion Money

retiredjg wrote:How can they deposit extra money in a tax-advantaged account? Doesn't seem right to me.

It is an "interest" payment.
by livesoft
Tue Sep 01, 2015 4:30 pm
Forum: Investing - Theory, News & General
Topic: 401(k) IRA Rollover Promotion Money
Replies: 13
Views: 511

Re: 401(k) IRA Rollover Promotion Money

The bonus money will go into the new IRA rollover account. That's what you wrote, too. If you withdraw it, then you can use it in a taxable account. You do know about withdrawals from IRAs, right?

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