Search found 822 matches

by fundseeker
Tue May 26, 2020 7:00 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5671
Views: 484936

Re: U.S. stocks continue to soar!

I just looked at a few of the thousands of posts here. Is this the BH day trading thread? Are you all watching and cheering on the stock market because you are taking some action? Are you going to watch it daily until retirement or death just because you're interested? If you've set your AA and are ...
by fundseeker
Mon May 25, 2020 7:03 am
Forum: Personal Consumer Issues
Topic: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!
Replies: 79
Views: 3236

Re: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!

Wow! I'm glad you cleared that up! You had written that this is the car they want, and I took that to mean they approved of your plan and had personally test driven the car. Sorry, but if you're going to surprise them with this, it is going to turn out really bad! I think most parents, like me with ...
by fundseeker
Sun May 24, 2020 9:23 pm
Forum: Personal Consumer Issues
Topic: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!
Replies: 79
Views: 3236

Re: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!

Sorry OP. You are broke, deep in debt and our economy is having a crisis and you want to buy a new BMW for your parents. You have a serious crisis and should work on your finances before buying someone else a new car. If they need a car get them a used car you can pay in cash. Gotta agree with this...
by fundseeker
Sun May 24, 2020 11:48 am
Forum: Personal Consumer Issues
Topic: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!
Replies: 79
Views: 3236

Re: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!

Be sure to always get each dealer's OTD price since it's the only way to compare apples to apples, and you won't be blindsided with outrageous doc fees, etc. Be sure to decide before going into the F&I guy's office that you're going to DECLINE everything he tries to sell you! That is where they make...
by fundseeker
Sat May 23, 2020 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Income tax due for DF upon selling jointly owned condo where he did not live
Replies: 9
Views: 861

Re: Income tax due for DF upon selling jointly owned condo where he did not live

If you want to see your deed, you can probably go online to your county’s probate office and see it. Scarily, almost all of them are online these days and easy for anyone to read.
by fundseeker
Sat May 23, 2020 11:06 am
Forum: Investing - Theory, News & General
Topic: Rekenthaler: Long Bonds Are for Fools
Replies: 346
Views: 17886

Re: Rekenthaler: Long Bonds Are for Fools

Wow, that’s some deep conversation going on, and it sounds like the discussion is more about individual bonds than bond funds, which I imagine are more widely used by us lay people. I’d think most here simply choose between short, intermediate, and long term bond funds, not individual bonds, putting...
by fundseeker
Fri May 22, 2020 6:21 pm
Forum: Personal Consumer Issues
Topic: Have you searched for your unclaimed property?
Replies: 64
Views: 6475

Re: Have you searched for your unclaimed property?

Hope you all don't mind me bringing up an old thread, but it serves as a public service announcement, and it seems like we have a lot of new members who aren't aware of unclaimed property listings in every state. So take a few minutes and begin the hunt, not just for yourself but for others who may ...
by fundseeker
Fri May 22, 2020 5:46 pm
Forum: Personal Investments
Topic: Bad bond fund in 401k?
Replies: 9
Views: 454

Re: Bad bond fund in 401k?

That's an impressive income. Well done! My employer only offers Principal, which I really don't like. But, our plan does offer this bond fund, which may be a better option if your plan offers it. Principal Bond Market Index Separate Account Just suggesting that you look hard to make sure they don't ...
by fundseeker
Sat May 09, 2020 8:24 am
Forum: Personal Investments
Topic: Significant gains since I tax loss harvested
Replies: 18
Views: 1576

Re: Significant gains since I tax loss harvested

OP, Like you, I had huge gains years after TLHing during the housing crisis around 2008. I avoided paying any taxes on those gains by using those appreciated funds to contribute 10% of our income to charities, which we'd always done. If you are a giver, you can donate two years worth of contribution...
by fundseeker
Thu May 07, 2020 8:06 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 87
Views: 4067

Re: New Brake Pads

Wonder if the OP means he/she will have the shop replace the rotors when the shop replaces the pads. I agree - it doesn't make sense for someone to replace the rotors themself and pay someone else to change the pads. We will see...
by fundseeker
Sat May 02, 2020 9:09 pm
Forum: Personal Investments
Topic: Late to the party, need guidance
Replies: 19
Views: 1895

Re: Late to the party, need guidance

billthecat wrote:
Mon Apr 27, 2020 11:33 pm
I’m confused. Where is the “Temporarily embarrassed millionaire” part?
Yeah, I missed the part too.
by fundseeker
Tue Apr 28, 2020 7:22 pm
Forum: Personal Consumer Issues
Topic: Highlander or RAV4
Replies: 57
Views: 3249

Re: Highlander or RAV4

I posted this for another person but you may not have seen it: I highly recommend renting a Highlander from a Toyota dealer over night, which gives you quality time with it versus a short drive accompanied by a pushy salesperson. You'll find out whether it fits in your garage, etc. Their service dep...
by fundseeker
Wed Apr 22, 2020 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: DD filed not dependent
Replies: 44
Views: 2606

Re: DD filed not dependent

My initial thought is that your daughter should be commended for taking the initiative to file her own taxes, even if done incorrectly. And you get points too if you instilled that initiative. Way to go! As for the correct handling, you came to the right place. People responding to you helped me wit...
by fundseeker
Tue Apr 21, 2020 7:29 pm
Forum: Personal Investments
Topic: Looking to put 100k in VFIAX
Replies: 28
Views: 2424

Re: Looking to put 100k in VFIAX

Would you take the 100k out of TD Ameritrade account and invest 200k in VFIAX or no? Thoughts? I'd leave some money at Ameritrade to give yourself something to tinker with, and because it may provide some entertainment value. There, you can address your urges to gamble, and you'll win some and lose...
by fundseeker
Sun Apr 19, 2020 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Received stimulus funds but don't think we're eligible
Replies: 13
Views: 2004

Re: Received stimulus funds but don't think we're eligible

Wow! How could the IRS mess us such a simple calculation?!!! There is only one AGI on the form for them to deal with, and the taxpayer qualifies or they don't, and if the AGI is between $175k and $200k, you do a little math, then look at the age of the dependent(s) and come up with a total amount to...
by fundseeker
Sun Apr 19, 2020 6:54 pm
Forum: Personal Consumer Issues
Topic: 2020 Highlander - any owners
Replies: 40
Views: 3149

Re: 2020 Highlander - any owners

If you're asking because you're considering one, I highly recommend renting one from a Toyota dealer over night, which gives you quality time with it versus a short drive accompanied by a pushy salesperson. You'll find out whether it fits in your garage, etc. Their service departments handle the ren...
by fundseeker
Sat Apr 11, 2020 9:14 pm
Forum: Personal Investments
Topic: Boglehead has strayed. How to get back in the market?
Replies: 51
Views: 5843

Re: Boglehead has strayed. How to get back in the market?

Sorry things didn't work out. Would've been great if it had and you could've bragged on this site like some who pulled out early and felt the urge to share. Like you say, you don't want to dive right back in and have it drop five or ten percent. I highly recommend DCA, and just add some percentage o...
by fundseeker
Mon Apr 06, 2020 7:37 am
Forum: Personal Investments
Topic: Change to future 401 k contributions
Replies: 10
Views: 1056

Re: Change to future 401 k contributions

OP, Do you mind sharing how your asset allocation in your TSP has changed since January 1? Seems like it should be significant with your high stock allocation, and that maybe you should rebalance now, buying low. If you don't want to rebalance with an interfund transfer (which must be placed by noon...
by fundseeker
Fri Apr 03, 2020 7:50 pm
Forum: Personal Investments
Topic: Odd 401K Match
Replies: 16
Views: 662

Re: Odd 401K Match

The federal employees Thrift Savings Plan (TSP) limits the match per pay period, and you do not get any match if you max out before PP 26.
by fundseeker
Sun Mar 29, 2020 6:51 am
Forum: Investing - Theory, News & General
Topic: Stick with your Index funds
Replies: 0
Views: 290

Stick with your Index funds

While wasting time on the Internet, I read the article below and got a little interested, but then compared those three funds promoted by Zacks to similar Vanguard Index Funds. I found that the Vanguard Index Funds outperformed these three funds in one, three, five, and ten years, and were much chea...
by fundseeker
Tue Mar 24, 2020 6:52 pm
Forum: Personal Consumer Issues
Topic: Ants ... should we keep going or change tactics
Replies: 36
Views: 2299

Re: Ants ... should we keep going or change tactics

Terro from Home Depot!!! It solved all of our ant problems. I like the drops better than the traps, and you can see them at work on Youtube. You have to be patient as more ants come in to eat the poison, but eventually (within hours) they're gone.
by fundseeker
Sun Mar 22, 2020 7:17 pm
Forum: Investing - Theory, News & General
Topic: Being down is tough, but so is being on the sidelines in great markets!
Replies: 4
Views: 560

Re: Being down is tough, but so is being on the sidelines in great markets!

Yeah, it's risky business to try and time the market. Maybe all of those considering getting out will get some positive signs from the market this week and settle down, or at least consider just pulling their exposure back just a little. Pulling out or getting back in doesn't have to be an all or no...
by fundseeker
Sun Mar 22, 2020 10:14 am
Forum: Investing - Theory, News & General
Topic: Being down is tough, but so is being on the sidelines in great markets!
Replies: 4
Views: 560

Being down is tough, but so is being on the sidelines in great markets!

To those of you considering pulling out now, I want to share that the experience I've had from being out of the market in the good times was as hard on me as being in the market during crashes. A decade ago, I stayed the course just prior to the housing crisis even though I and many others were sayi...
by fundseeker
Sun Mar 22, 2020 8:09 am
Forum: Investing - Theory, News & General
Topic: Thinking about moving Investments to Cash, Need Help
Replies: 25
Views: 1925

Re: Thinking about moving Investments to Cash, Need Help

Staying the course in bad times is one of the reasons for your IPS, done in unemotional times. It will be tough for you if you add to your pain by missing out when the market goes back up. By the way, I haven't used a calculator, but hasn't the market changed your allocation for you, to a lot less t...
by fundseeker
Sun Mar 22, 2020 7:49 am
Forum: Investing - Theory, News & General
Topic: It's ok to do nothing
Replies: 20
Views: 2288

Re: It's ok to do nothing

This is such a refreshing topic to see. I know tax loss harvesting is pretty popular among Bogleheads, and I get that it's a sensible thing to do from a tax law perspective. However, in times of such volatility, even a few days out of the market can have a substantial impact on returns, and I don't...
by fundseeker
Fri Mar 20, 2020 7:14 pm
Forum: Personal Investments
Topic: Lock loss or ride the wave with 15 years to go?
Replies: 62
Views: 4309

Re: Lock loss or ride the wave with 15 years to go?

I think the market is about to take an even bigger hit in the next few months. I have lost 30% so far, but I have at least 13-15 years until I need that money. Here’s my dilemma: A. Lock in my losses as it takes longer to recuperate the lower I go. B. Ride the wave because I have a good while to go...
by fundseeker
Wed Feb 26, 2020 10:44 pm
Forum: Personal Investments
Topic: Thinking about (temporarily) moving all *retirement* stock to bonds - please help
Replies: 292
Views: 24974

Re: Thinking about (temporarily) moving all *retirement* stock to bonds - please help

So...extreme scenario: If I were to move *EVERYTHING* in my *retirement* accounts (i.e., no tax implications) from VTSAX to VBTLX, what's the worst that would happen to my investments? VTSAX could rebound (slowly), and VBTLX could *maybe* (???) drop, but also would do so slowly (right?). In which c...
by fundseeker
Tue Feb 25, 2020 7:27 pm
Forum: Personal Investments
Topic: Help w Fed Employee TSP C Fund
Replies: 33
Views: 2254

Re: Help w Fed Employee TSP C Fund

As you should know from hopefully learning about investing from this website, you have to make not one, but two good decisions when you try to time the market. How will you know when the right time is to get back in? It's a losers game, unless you're just lucky. I know someone who pulled out of the ...
by fundseeker
Thu Feb 20, 2020 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Use caution to not incorrectly pay taxes on 529 distribution in TTax
Replies: 30
Views: 2612

Re: Use caution to not incorrectly pay taxes on 529 distribution in TTax

The only other thing I can suggest from memory without getting into TTax tonight is to go to View forms, click on the Student Info Worksheet form, and on the relevant line of that form (where it shows the amount used for credit or deduction), right click there, which should show Data Source as an op...
by fundseeker
Thu Feb 20, 2020 8:58 pm
Forum: Personal Consumer Issues
Topic: Used car purchase - now dreading it
Replies: 117
Views: 8288

Re: Used car purchase - now dreading it

Hope it works out well. I'd try to get your dealer to provide contact info for the prior owner (not likely) or to at least ask the owner to call you so you can find out what caused the smell so you know how to treat it. I believe I could at least get the dealer to do that much, so I don't make their...
by fundseeker
Mon Feb 17, 2020 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Use caution to not incorrectly pay taxes on 529 distribution in TTax
Replies: 30
Views: 2612

Re: Use caution to not incorrectly pay taxes on 529 distribution in TTax

gtd98765, OP here. I just checked and the process in my 2019 TTax Premier. is on the student's return, to go to Deductions & Credits, click on "Update" by the Expenses and Scholarships line, and after a series of questions, you will get to the page that allows you to enter the amount to consider for...
by fundseeker
Tue Feb 11, 2020 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: How do I deal with overstated OPM 1099-R?
Replies: 2
Views: 334

Re: How do I deal with overstated OPM 1099-R?

Thank you! I did find the time to call OPM today and apparently my 1099-R is correct. They are sending me proof, which oddly is NOT available on my online account. This was my first full year as a retiree. I retired late in 2018 and was on interim payments until early 2019, at which time they sent m...
by fundseeker
Mon Feb 10, 2020 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: How do I deal with overstated OPM 1099-R?
Replies: 2
Views: 334

How do I deal with overstated OPM 1099-R?

I received my 1099-R from OPM for my pension, but it shows they paid me thousands more than they actually paid me. I added all 12 gross monthly payments and they are just wrong. I am getting no responses from their email address, so I am wondering if anyone has dealt with this before. I do not want ...
by fundseeker
Sat Feb 08, 2020 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: How do I report non-taxable portion of Inherited IRA distribution?
Replies: 19
Views: 1233

Re: How do I report non-taxable portion of Inherited IRA distribution?

I appreciate you all taking the time to reply. But, I cannot imagine that the resolution is so complicated. You are making it unnecessarily complicated. Amending the 2018 return and reporting both distributions for 2019 is the "simple" solution as that is what your tax forms say and what makes it s...
by fundseeker
Fri Feb 07, 2020 7:27 am
Forum: Personal Finance (Not Investing)
Topic: How do I report non-taxable portion of Inherited IRA distribution?
Replies: 19
Views: 1233

Re: How do I report non-taxable portion of Inherited IRA distribution?

Thank you all again for the responses and guidance. But, 1. If I amend 2018, do I go ahead and file 2019 even before I hear from the IRS that the 2018 amendment is accepted and the money returned to me? 2. Does it affect your answers knowing that on my 2018 return, I completed a 1099-R for the distr...
by fundseeker
Mon Feb 03, 2020 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: How do I report non-taxable portion of Inherited IRA distribution?
Replies: 19
Views: 1233

Re: How do I report non-taxable portion of Inherited IRA distribution?

I appreciate you all taking the time to reply. But, I cannot imagine that the resolution is so complicated. If you research how to deal with missed RMDs, the solution is to deal with it promptly, not wait a year. And who wants to put off dealing with that, especially when delay might give the IRS a ...
by fundseeker
Mon Feb 03, 2020 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: How do I report non-taxable portion of Inherited IRA distribution?
Replies: 19
Views: 1233

Re: How do I report non-taxable portion of Inherited IRA distribution?

Thanks for the replies! I did report and pay taxes for the distribution on my 2018 return even though I took it in early 2019 (before filing my 2018 return), and I apparently did it properly with an explanation to the IRS. Also, my research back then showed that the IRS generally waives the 50% pena...
by fundseeker
Mon Feb 03, 2020 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: How do I report non-taxable portion of Inherited IRA distribution?
Replies: 19
Views: 1233

How do I report non-taxable portion of Inherited IRA distribution?

I'm hoping someone knows the easiest way to deal with this issue. Vanguard sent me a 1099-R for my Inherited IRA correctly showing the total of two distributions to me in 2019. One of those distributions was for the 2018 tax year, but I did not take it until 2019 when I realized that the autopilot d...
by fundseeker
Thu Jan 23, 2020 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do cool with your money today?
Replies: 125
Views: 10279

Re: What did you do cool with your money today?

After leaving the office, I gave one homeless man a few dollars to catch a bus to a warming shelter for the freezing night, and then gave another one $10 when he approached me, after I'd seen him digging in a dumpster.
by fundseeker
Thu Jan 23, 2020 8:25 pm
Forum: Personal Investments
Topic: Principal to Fidelity
Replies: 2
Views: 358

Re: Principal to Fidelity

Principal doesn't make it easy to take money out. You'll have to use their form, and sign forms electronically swearing that you know what you are doing, print and fill out the forms, send them in, and then pay them $50 to move your money. You'll have to ask them for the forms, since they don't just...
by fundseeker
Tue Jan 21, 2020 8:23 pm
Forum: Personal Consumer Issues
Topic: [Used] car philosophy
Replies: 23
Views: 1634

Re: User car philosophy

It'd raise my comfort level if it had some factory warranty left, so I could drive it a while and get the problems fixed or at least noted by the dealer before problems become my responsibility. Certified may extend at least the drive train warranty, but you may pay a premium for certified. We bough...
by fundseeker
Thu Jan 16, 2020 9:55 pm
Forum: Personal Investments
Topic: market timing after incredible run
Replies: 42
Views: 4368

Re: market timing after incredible run

I pulled some off in October 2018 and felt great about it last December. But, not feeling so good about it now. I should have left it alone!!! You're right, it will end, but no one knows when. Set your allocation and leave it alone, except for occasional rebalancing. Oh, BTW, I just pulled off a lit...
by fundseeker
Sun Jan 12, 2020 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Critique My 2019 Spending
Replies: 48
Views: 4485

Re: Critique My 2019 Spending

Well done, especially with the charitable giving. But, as recommended above, you should consider bunching your giving every other year and take the standard deduction in between. DAFs are fairly simple once you set one up.
by fundseeker
Sun Jan 05, 2020 8:00 pm
Forum: Personal Consumer Issues
Topic: Jumper cables
Replies: 83
Views: 5447

Re: Jumper cables

Good post! Maybe it'll make someone realize they ought to have a set in their car! But as important, it seems like everyone would have a tire inflator in their vehicle!
by fundseeker
Wed Jan 01, 2020 8:55 pm
Forum: Personal Consumer Issues
Topic: Home security monitoring company recommendations.
Replies: 15
Views: 1383

Re: Home security monitoring company recommendations.

You might get Guardian to drop the price with a call suggesting you can't see paying that much anymore with all the wireless deals out there. Plus, you can buy cameras cheaply and monitor it yourself. Anyway, ADT dropped our from $40+ to $31 with a phone call. The initial ADT operator dropped it a f...
by fundseeker
Thu Dec 26, 2019 8:57 am
Forum: Investing - Theory, News & General
Topic: Question about SECURE and no more stretch IRAs
Replies: 50
Views: 3763

Re: Question about SECURE and no more stretch IRAs

How does this affect plans of someone with young children who might want to not even distribute all or a portion of their large IRA for a decade or more after death. For example, what if I want 1/3 to go to a child at death, 1/3 10 years after death, and the final 1/3 in 15 years after death. When d...
by fundseeker
Fri Dec 06, 2019 9:38 pm
Forum: Personal Investments
Topic: Moving Vanguard Mutual Funds to Fidelity Donor Advised Fund
Replies: 19
Views: 1403

Re: Moving Vanguard Mutual Funds to Fidelity Donor Advised Fund

I went through that exact hassle this summer simply trying to move about $30k of highly appreciated shares to my FIDO DAF. Either the VG reps are seriously under trained or just incompetent, or maybe they are trained to cause problems for anyone not using the VG DAF. They almost liquidated my shares...
by fundseeker
Fri Nov 22, 2019 7:12 am
Forum: Personal Consumer Issues
Topic: Diagnosing brake noise
Replies: 12
Views: 1123

Re: Diagnosing brake noise

Did the noise exist before the brake job?

Could it be totally unrelated to the brakes, except that braking causes some shuttering that is jarring something that is loose?

You could make an audio recording of the noise and put it on YouTube for us to hear.

Good luck!
by fundseeker
Wed Nov 20, 2019 9:20 pm
Forum: Personal Consumer Issues
Topic: Brake Fluid Theatrics Upsetting, Honda Accord
Replies: 21
Views: 2857

Re: Brake Fluid Theatrics Upsetting, Honda Accord

No big deal! Maybe they did the proper bleeding and replacement of the fluid in the lines (should have been maybe $150ish) last year or they just sucked out the reservoir and replaced the few ounces (maybe less than $100). It does darken with age. To feel better, you can suck it out with a $1 turkey...