Search found 4280 matches

by tetractys
Sat Feb 13, 2016 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct question
Replies: 4
Views: 365

Re: TaxAct question

I don't know the answer; but you can open Tax Act and run the program before paying. It also has complete forms. -- Tet
by tetractys
Sat Feb 13, 2016 12:53 am
Forum: Investing - Help with Personal Investments
Topic: Time to Tax Loss Harvest???
Replies: 14
Views: 830

Re: Time to Tax Loss Harvest???

Iper,

The proof is simple: I've just lowered my 2016 AGI by $3,000. -- Tet
by tetractys
Fri Feb 12, 2016 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: Time to Tax Loss Harvest???
Replies: 14
Views: 830

Re: Time to Tax Loss Harvest???

This may be splitting hairs but with all the volatility, it seems marginally better, or worth it to wait and TLH on a day when the market is down. Thoughts on that? I could easily TLH again today but was thinking that it might be better to wait for a down day next week. Good point JaySayms. Thought...
by tetractys
Fri Feb 12, 2016 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Time to Tax Loss Harvest???
Replies: 14
Views: 830

Re: Time to Tax Loss Harvest???

Thanks Livesoft, glad to get an answer (to the whole question no less) from you. -- Tet
by tetractys
Fri Feb 12, 2016 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to move money internationally?
Replies: 20
Views: 1182

Re: Best way to move money internationally?

Banks charge a lot, as does Western Union (Yikes!!!). The best way, if your circumstances are right, is to go through an online exchange, like XE.com or something similar. It's also faster I believe. I've had very good experiences using XE when buying goods overseas. Even with unknown parties being ...
by tetractys
Fri Feb 12, 2016 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Time to Tax Loss Harvest???
Replies: 14
Views: 830

Time to Tax Loss Harvest???

My taxable account is rather small, so haven't bothered with tax loss harvesting before. But this morning I've noticed that VTIAX (total international) is carrying a loss of over $3,000. If I sell it and wait a month to buy it back, will that subtract $3,000 from my income next year? Would it be wor...
by tetractys
Fri Feb 12, 2016 11:42 am
Forum: Investing - Theory, News & General
Topic: Rebalancing bands, what is your CURRENT out-of-balance drift?
Replies: 47
Views: 1949

Re: Rebalancing bands, what is your CURRENT out-of-balance drift?

Funny, was just checking this out. My bond allocation has been growing, up to 27.05% this morning, a menial 2% out--not to worry. The rest of the portfolio is about the same. In the 457(b) VINIX (S&P 500) is out quite a bit on the down side; but that's because I'm rebalancing into it with contri...
by tetractys
Wed Feb 10, 2016 11:35 pm
Forum: Personal Consumer Issues
Topic: Bear Meat
Replies: 37
Views: 2998

Re: Bear Meat

Depends on the cut. Not sure ribs are the greatest. Bear feet ....?
by tetractys
Wed Feb 10, 2016 11:08 pm
Forum: Personal Consumer Issues
Topic: Motivation to do Yoga / stretch more
Replies: 32
Views: 2121

Re: Motivation to do Yoga / stretch more

Many yoga studios are giving free weeks now. That should be enough to teach you the rudiments. Then you should personalize it, since we all have our own kinks we've acquired over the years, those can only be worked out, really, by working on your own. Once a week is not enough, far from it. Yoga nee...
by tetractys
Sat Feb 06, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 94
Views: 7136

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

Prices of LEDs are finally dropping dramatically. Concerning the original OP and what the bathroom lighting reveals: that soft yellow, easy on the eyes lighting, is not what your going to look like in the daylight, and to everyone else. Ha ha, sorry.... -- Tet
by tetractys
Wed Jan 27, 2016 9:57 pm
Forum: Investing - Theory, News & General
Topic: Any reason not to invest in a Vanguard fund that rebalances?
Replies: 41
Views: 2911

Re: Any reason not to invest in a Vanguard fund that rebalances?

I believe funds that rebalance regularly have a slightly higher E/R; but that that's OK because the higher returns should make up for it. Something about geometric means ant etc. Has this all been explained in the wiki somewhere? Any mathematicians able to give the details? -- Tet
by tetractys
Tue Jan 26, 2016 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: HELP!!! Employer not contributing to 401k!!!
Replies: 16
Views: 1530

Re: HELP!!! Employer not contributing to 401k!!!

Maybe company contributions are not contractual, or maybe there are conditions. I would check on that first. Not all companies contribute, and some contribute sometimes and not at other times. -- Tet
by tetractys
Tue Dec 22, 2015 6:30 pm
Forum: Investing - Theory, News & General
Topic: VWO is now 42% China?
Replies: 13
Views: 2195

Re: VWO is now 42% China?

Eventually China may fully emerge and become developed. -- Tet
by tetractys
Tue Dec 22, 2015 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Biggest lucky break in your personal finances?
Replies: 160
Views: 12162

Re: Biggest lucky break in your personal finances?

Stumbling across passive investing was my lucky break. -- Tet
by tetractys
Tue Dec 08, 2015 7:46 pm
Forum: Investing - Theory, News & General
Topic: Tilt Question: Small Caps
Replies: 52
Views: 3852

Re: Tilt Question: Small Caps

This year in particular, I'm glad to have a 12.5% tilt to international small value. I also have a 21% tilt to US small value. From what I understand, tilting to small blend is ok, but not terrific. (Oh, I see above Larry explains better... listen to Larry.) -- Tet
by tetractys
Mon Dec 07, 2015 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Have you upgraded your Vanguard accounts?
Replies: 20
Views: 5771

Re: Have you upgraded your Vanguard accounts?

Just did it, it's in process. Had Roth brokerage and mutual fund accounts, so now they will become one Roth account. I'm not sure what will happen to the two separate money market accounts--hopefully they will become one. I've already been treating them as one account in my accounting anyway, so thi...
by tetractys
Wed Nov 25, 2015 12:33 pm
Forum: Personal Consumer Issues
Topic: Which Michelin Tire?
Replies: 19
Views: 1123

Re: Which Michelin Tire?

TubofProtein wrote:I shouldn't gamble with my family's well being so I shouldn't scrimp on tires.

I agree. -- Tet
by tetractys
Wed Nov 25, 2015 12:24 pm
Forum: Investing - Theory, News & General
Topic: REITs for inflation instead of TIPs?
Replies: 25
Views: 2725

Re: REITs for inflation instead of TIPs?

TIPs are for inflation protection. Inflation lately has been very low, even negative, so of course returns will be near 0. REITs are stock and will not react to inflationary pressure as effectively as TIPs. For all anyone knows, now might be an opportune time to buy TIPs. You decide; but generally s...
by tetractys
Tue Nov 24, 2015 12:51 am
Forum: Personal Finance (Not Investing)
Topic: helping oversea friends paying clients online - any issues?
Replies: 13
Views: 762

Re: helping oversea friends paying clients online - any issues?

Paypal is way too expensive. I would have your friend checkout XE Trade. But I do agree with the others that it's a bad idea for you to be stuck in the middle of this, unless your a paid agent and have everything set up legally. -- Tet.
by tetractys
Fri Nov 20, 2015 11:54 pm
Forum: Investing - Help with Personal Investments
Topic: DFFVX [DFA U.S. Targeted Value Institutional Class]
Replies: 14
Views: 1318

Re: DFFVX

Thanks all of you, It sounds like everyone is in agreement that DFFVX and VSIAX are pretty much interchangeable. And Livesoft, good point about what would get subbed out--the bond choice in my 457b (Metropolitan West Total Return Bond Fund MWTSX ) is substandard when compared to Vanguard, which woul...
by tetractys
Fri Nov 20, 2015 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: DFFVX [DFA U.S. Targeted Value Institutional Class]
Replies: 14
Views: 1318

DFFVX [DFA U.S. Targeted Value Institutional Class]

My 457b plan is now offering DFA US Targeted Value Institutional DFFVX with an E/R of 0.37%. I've been using Vanguard Small-Cap Value Index Fund Admiral VSIAX E/R 0.09% in my Roth IRA. I'm thinking about adding the DFA small value as part of the allocation, or maybe as a replacement. Would I be bett...
by tetractys
Thu Nov 19, 2015 11:06 pm
Forum: Investing - Theory, News & General
Topic: How Do You Ignore the Noise?
Replies: 51
Views: 4191

Re: How Do You Ignore the Noise?

For me it's noise fatigue. I'm just tired of paying attention to it. Although it has come after a lot of education (a good part of it here), and enough experience to back that education up. -- Tet
by tetractys
Thu Nov 19, 2015 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone gone from 0 to 100?
Replies: 55
Views: 6185

Re: Has anyone gone from 0 to 100?

You just do what you can, and then maybe you'll be really lucky like a small few do, or you'll be unlucky like a lot do, or you'll be in the big middle, which is actually the most lucky if you think about it deeply enough. -- Tet
by tetractys
Thu Nov 19, 2015 1:10 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2016 For Mac: A Solution for Mac Users?
Replies: 5
Views: 893

Re: Quicken 2016 For Mac: A Solution for Mac Users?

For Mac users it's still Quicken 2007. The 2015 is a bust, and if 2016 is going down the same path, it will be too. Fortunately Intuit's been updating 2007--keeping it alive. It's working fine on El Cap. -- Tet
by tetractys
Thu Nov 19, 2015 12:46 am
Forum: Personal Finance (Not Investing)
Topic: Intuit Quicken 2016 - Is it just me or?
Replies: 11
Views: 1514

Re: Intuit Quicken 2016 - Is it just me or?

The recent updates for Quicken 2007 for Mac have made a huge difference in downloads also, especially with quotes, ZOWY. -- Tet
by tetractys
Tue May 05, 2015 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Too late for career change/worth it?
Replies: 44
Views: 6466

Re: Too late for career change/worth it?

29 is very young. The sky's the limit. IMO, it would be a big mistake to lock in a set education program unless your absolutely positively sure about your long term path. Education is so mind expanding that unseen and unexpected possibilities WILL open up. There's lots of time, so start off generall...
by tetractys
Tue May 05, 2015 6:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard TM Small Cap
Replies: 3
Views: 732

Re: Vanguard TM Small Cap

Robert, Are you saying that V. Small Cap has had a value tilt for 15 years? $10,000 of NAESX ( V. small cap investor) has grown a couple thousand more than VISVX (V. small cap val investor) over the last 15 years; but I'm not sure what your point is. Funds and indexes can move between value and grow...
by tetractys
Fri Apr 24, 2015 2:16 pm
Forum: Personal Consumer Issues
Topic: cleaning plastic eyeglass lenses
Replies: 30
Views: 2306

Re: cleaning plastic eyeglass lenses

The doctor in the OP has it backwards--not unusual. Paper and tissue made from wood products are quite abrasive and will scratch plastic lenses. Cotton products and towels are less abrasive. I've been washing the same plastic lensed glasses for eight years now, with soap, water, and bath towel with ...
by tetractys
Wed Apr 22, 2015 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Transmission oil one inch over the full line would that be a
Replies: 19
Views: 1610

Re: Transmission oil one inch over the full line would that

It's probably not like the old days when it would blow a seal; but still not a good thing. In the least it's very sloppy work. I would check it with engine off, cool on level ground. Then if it is confirmed to be over, I would take it back and have some oil removed right away. Since when has oil bee...
by tetractys
Wed Apr 01, 2015 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Best source for US mint silver proof sets from 2000?
Replies: 7
Views: 1131

Re: Best source for US mint silver proof sets from 2000?

The "best" place changes often. It's simple to look around online and then decide. -- Tet
by tetractys
Wed Apr 01, 2015 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Why does Vanguard require snail mail for new applications?
Replies: 7
Views: 1139

Re: Why does Vanguard require snail mail for new application

Maybe for signatures? Why not call and ask why? Maybe you don't have to print out the whole thing. -- Tet
by tetractys
Wed Apr 01, 2015 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: How to "prove" Savings Bond held with Treasury Direct
Replies: 12
Views: 1789

Re: How to "prove" Savings Bond held with Treasury Direct

On Treasury Direct, pages are printable statements. Print out the pages with your balances and holdings, and there you go. I used to do this, but it's been a few years since I've been able to log on--sigh. -- Tet
by tetractys
Fri Mar 27, 2015 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Can you really know your AA until you've hit a bear market?
Replies: 74
Views: 6246

Re: Can you really know your AA until you've hit a bear mark

I've done fine knowing my asset allocation before bear markets. I read a bunch of books and made my decisions in a more or less educated way. It's still the same--still following the basic plan. Maybe the secret is to be realistic about market history? Many people on this forum say they've found a p...
by tetractys
Fri Mar 27, 2015 2:12 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri's 30 year market forecast 2015
Replies: 137
Views: 16372

Re: Rick Ferri's 30 year market forecast 2015

How come the chart shows "BEFORE INFLATION RETURNS" as 2% higher than "RETURNS WITH 2% INFLATION"??? That seems backwards to me. -- Tet
by tetractys
Mon Mar 23, 2015 8:48 pm
Forum: Personal Consumer Issues
Topic: How Do You Watch Television?
Replies: 81
Views: 7520

Re: How Do You Watch Television?

How can I say it? ... TV is so weird and unworldly that it makes me rather sick to watch it very much. So I certainly don't watch it much, just a little here and there at work when big games are on and there's company to be with. People talk about TV programs sometimes and I'm clueless. I have too m...
by tetractys
Wed Mar 18, 2015 4:37 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Accounting & Calculating Returns Accurately
Replies: 20
Views: 686

Re: Tax Loss Accounting & Calculating Returns Accurately

Thanks all, Things are clear enough now. I'm simply going to insert the last year's investment tax loss (as shown on the tax forms) into cash flows around filing time. The dollar amount is pretty easy to come up with, about 5 or 10 minutes of work once the return is completed. It may be viewed as di...
by tetractys
Wed Mar 18, 2015 4:28 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Accounting & Calculating Returns Accurately
Replies: 20
Views: 686

Re: Tax Loss Accounting & Calculating Returns Accurately

Tet, I am meticulous in making the efforts that you are undertaking. Is your post perhaps because you are trying to calculate a return for each investment? As I became more sophisticated with this issue, I learned that there is no great way to isolate the investments from each other because of the ...
by tetractys
Wed Mar 18, 2015 3:45 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Accounting & Calculating Returns Accurately
Replies: 20
Views: 686

Re: Tax Loss Accounting & Calculating Returns Accurately

Is it possible that you are overthinking the tax loss issue? Here's an example taken from my situation. I have a tax loss carryover which has lasted for years and will last for several more years. I can only deduct $3,000 per year from my taxable income, which reduces my total tax liability by abou...
by tetractys
Wed Mar 18, 2015 3:31 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Accounting & Calculating Returns Accurately
Replies: 20
Views: 686

Re: Tax Loss Accounting & Calculating Returns Accurately

Sidney wrote:
tetractys wrote:I agree with you on ROI, and it's not really relevant to this conversation; just a metric I use annually among others.
What decisions have you made going forward based on this metric?
Sydney, it's as I've said. Why do you ask? -- Tet
by tetractys
Wed Mar 18, 2015 3:27 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Accounting & Calculating Returns Accurately
Replies: 20
Views: 686

Re: Tax Loss Accounting & Calculating Returns Accurately

For example, a rollover occurs on a specific date. But should the tax on the rollover be accounted for on that date, or in the next year when the tax return is filed, or at the end of the year or the beginning of the next year? The same question comes up for just about every tax event. And many mak...
by tetractys
Wed Mar 18, 2015 3:15 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Accounting & Calculating Returns Accurately
Replies: 20
Views: 686

Re: Tax Loss Accounting & Calculating Returns Accurately

Hi Doc, I agree with you on ROI, and it's not really relevant to this conversation; just a metric I use annually among others. By "real IRR" I mean the internal rate of return adjusted for the CPI-U, which is posted at regular intervals. That's also not entirely relevant to this conversati...
by tetractys
Wed Mar 18, 2015 2:49 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Accounting & Calculating Returns Accurately
Replies: 20
Views: 686

Re: Tax Loss Accounting & Calculating Returns Accurately

Determine the tax loss by recalculating a year's tax return without the tax loss producing event, and noting the difference. To get the after tax return, integrate the tax loss into annual cash flows as an expense on some convenient date. I don't think it is right to regard tax loss accounting as s...
by tetractys
Wed Mar 18, 2015 1:12 pm
Forum: Investing - Theory, News & General
Topic: Is MicroCap on sale?
Replies: 11
Views: 1582

Re: Is MicroCap on sale?

Microcaps did their thing in 2013. Why expect a sudden resurgence? Maybe a good way to check on microcaps is to look at microcap funds and see if they are sitting in value territory, which they are not. Simply looking at underperformance is not a good idea because as far as anyone knows this could b...
by tetractys
Wed Mar 18, 2015 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: nondeductible traditional IRA -> roth?
Replies: 8
Views: 885

Re: nondeductible traditional IRA -> roth?

Why not just open a Roth? -- Tet
by tetractys
Wed Mar 18, 2015 11:49 am
Forum: Investing - Theory, News & General
Topic: Tax Loss Accounting & Calculating Returns Accurately
Replies: 20
Views: 686

Tax Loss Accounting & Calculating Returns Accurately

Since joining the Bogleheads I’ve been working towards an accurate picture of my investment returns. I’ve gone to great lengths accounting for every penny and every mistake since inception, obtaining all my investment records from past 401(k) accounts, etc. My return spreadsheet includes all contrib...
by tetractys
Mon Mar 16, 2015 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do you still use currency or have you gone all-plastic?
Replies: 47
Views: 3928

Re: Do you still use currency or have you gone all-plastic?

One cash withdrawal transaction cuts down on many plastic transactions, so less bookkeeping; and also there are those times out when cash is best for the social pool. -- Tet
by tetractys
Sat Feb 21, 2015 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Unknown Roth IRA Basis
Replies: 6
Views: 635

Re: Unknown Roth IRA Basis

I've found TT's tracking really confusing, unusable, and a waste of time. Maybe it's just me; but I think anyone able to add and subtract can do better on their own. -- Tet
by tetractys
Sat Feb 21, 2015 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Unknown Roth IRA Basis
Replies: 6
Views: 635

Re: Unknown Roth IRA Basis

Both Chase and Ameritrade should have your contribution records. Just call and ask. -- Tet
by tetractys
Tue Feb 17, 2015 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Anti-virus software on my MAC?
Replies: 20
Views: 1569

Re: Anti-virus software on my MAC?

I use the firewall and avoid trouble seeking surf and mail behavior. Virus software has proven to me that it's a virus in itself, so I avoid that too. -- Tet
by tetractys
Sat Feb 14, 2015 11:19 pm
Forum: Investing - Theory, News & General
Topic: What is the BH consensus on international bonds?
Replies: 54
Views: 5106

Re: What is the BH consensus on international bonds?

Vanguard is broadening its bond base worldwide to support it's huge and growing clientele. The supply of US bonds is not large enough any more for that clientele. -- Tet

Go to advanced search