Search found 62339 matches

by livesoft
Thu Oct 11, 2018 6:28 am
Forum: Investing - Help with Personal Investments
Topic: TLH VTIAX [Tax loss harvest - Vanguard Total International Stock]
Replies: 65
Views: 3667

Re: TLH VTIAX

VTSAX Vanguard Total Stock Market VSIAX Vanguard Small Cap Value VTIAX Vanguard Total International Stock VEMAX Vanguard Emerging Markets Stock VSS VANGUARD Intl E/FTSE ALL-WORLD Small Cap Ex-US I am looking for substitutes. Do you guys know what to trade it with for TLH purposes? VTSAX ---> VLCAX ...
by livesoft
Wed Oct 10, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Taking advantage of the current correction
Replies: 28
Views: 3492

Re: Taking advantage of the current correction

justsomeguy2018 wrote:
Wed Oct 10, 2018 3:43 pm
How do you rebalance short of either investing more money or buying and selling your bonds/securities so the ratio is right?
Hmmm. Isn't that like asking "How do you rebalance without rebalancing?" ??
by livesoft
Wed Oct 10, 2018 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: TLH VTIAX [Tax loss harvest - Vanguard Total International Stock]
Replies: 65
Views: 3667

Re: TLH VTIAX

No wash sale for what you described.
by livesoft
Wed Oct 10, 2018 8:06 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 93
Views: 7868

Re: When will you backup the truck on stocks

Only an additional 5% into equities? Today was a big enough drop for that. But a 5% addition to equities is not backing up the truck either.
by livesoft
Wed Oct 10, 2018 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Take a rish with Roth IRA or Personal Account
Replies: 5
Views: 297

Re: Take a rish with Roth IRA or Personal Account

Don't lose money in your Roth where it won't be tax deductible. Lose money in your taxable account where you can get other taxpayers to help pay for your loss.
by livesoft
Wed Oct 10, 2018 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing my performance against S&P 500
Replies: 20
Views: 1242

Re: Comparing my performance against S&P 500

HEDGEFUNDIE wrote:
Wed Oct 10, 2018 6:40 pm
portfoliovisualizer.com/backtest-portfolio
Portfolio visualizer cannot do what the OP wants to do. At least right now it cannot. The backtesting only uses month-end prices.
by livesoft
Wed Oct 10, 2018 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 108
Views: 7413

Re: What did you buy today

VTI and MTUM.
by livesoft
Wed Oct 10, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Mold on inspection, need advice
Replies: 30
Views: 2202

Re: Mold on inspection, need advice

There is mold everywhere, so I suppose you would want to find out if it is good mold or bad mold.
by livesoft
Wed Oct 10, 2018 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Pls help us design our family life!!!
Replies: 40
Views: 4292

Re: Pls help us design our family life!!!

1. I don't know about your money situation, but it is not that important. 2. Time is important, so cut out wasted time such as commuting for both parents and children. That means live close to jobs and schools and any shopping and errands that you need to do. That way, you can go to school functions...
by livesoft
Wed Oct 10, 2018 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: When stocks and bonds drop at the same time, what do you do?
Replies: 40
Views: 4322

Re: When stocks and bonds drop at the same time, what do you do?

I always rebalance as per my IPS. I have no hesitation to sell bond fund shares if they drop and I need the money to rebalance into equities. I have no hesitation to sell equity funds shares if they drop and I need money to rebalance into bonds. I have remarked on this a few times on the forum. If o...
by livesoft
Wed Oct 10, 2018 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing my performance against S&P 500
Replies: 20
Views: 1242

Re: Comparing my performance against S&P 500

No web site will do this because your performance will depend on your transactions. You have to track your performance in something like MS Money (free download) by entering all your transactions and keeping them updated along with all the dividends that create transactions, too. You can put in benc...
by livesoft
Wed Oct 10, 2018 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: TLH with a recent purchase in Vanguard Roth (FIFO)
Replies: 6
Views: 280

Re: TLH with a recent purchase in Vanguard Roth (FIFO)

The wash sale described in this thread will not amount to much of a disallowed loss, but maybe today was a market low for the next 12 months and perfect time to buy. One would not way to avoid buying just because it would create an inconsequential wash sale. That would be like cutting off your nose ...
by livesoft
Wed Oct 10, 2018 3:42 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 RBD?
Replies: 28
Views: 2041

Re: S&P 500 RBD?

It really was a joke. I'm aware of the definition, but enjoy watching you evade re-posting it every time there is speculation about whether or not we've had one. :happy And the definition repeated in this thread is only for VFINX because "VFINX" was used by slickwillbo which might have better start...
by livesoft
Wed Oct 10, 2018 3:27 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 RBD?
Replies: 28
Views: 2041

Re: S&P 500 RBD?

Livesoft makes up a new definition whenever he wants to market time. :D I know you put a smiley there, but that is not a true statement. There is a definition posted on the forum. I don't re-post it over and over because I like to see everybody make up their own definitions which is a source of amu...
by livesoft
Wed Oct 10, 2018 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Taking advantage of the current correction
Replies: 28
Views: 3492

Re: Taking advantage of the current correction

Somebody had to be buying today since for every seller, there is a buyer. :)
by livesoft
Wed Oct 10, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Taking advantage of the current correction
Replies: 28
Views: 3492

Re: Taking advantage of the current correction

It is pretty far from the standard Wall Street definition of a correction.

Today's drop is not as bad as the two drops in February.
by livesoft
Wed Oct 10, 2018 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: TLH with a recent purchase in Vanguard Roth (FIFO)
Replies: 6
Views: 280

Re: TLH with a recent purchase in Vanguard Roth (FIFO)

It's all described in excruciating detail:
viewtopic.php?t=179414

But a day like today I think shows why one should not be afraid of wash sales.
by livesoft
Wed Oct 10, 2018 3:01 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 RBD?
Replies: 28
Views: 2041

Re: S&P 500 RBD?

Yep, several ETFs are/were in RBD territory.
by livesoft
Wed Oct 10, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: TLH with a recent purchase in Vanguard Roth (FIFO)
Replies: 6
Views: 280

Re: TLH with a recent purchase in Vanguard Roth (FIFO)

I don't think selling a share in the Roth works that way, so you will have a partial wash sale.

Vanguard will not flag it as a wash sale because two different accounts are involved.

I don't see a problem with a partial wash sale from 1 share.
by livesoft
Wed Oct 10, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 69
Views: 5270

Re: What the heck is growing in my yard?

Can't tell for sure without seeing underside and up close everywhere. A variety of oyster mushrooms?
by livesoft
Wed Oct 10, 2018 2:33 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 RBD?
Replies: 28
Views: 2041

Re: S&P 500 RBD?

We should crowd-source the definition of RBD.
by livesoft
Wed Oct 10, 2018 2:31 pm
Forum: Investing - Theory, News & General
Topic: 5 ways target-date funds let investors down
Replies: 38
Views: 3335

Re: 5 ways target-date funds let investors down

The article is relatively benign. I suspect the 2-fund portfolio will be a target date fund and a small-cap value fund. :twisted:
by livesoft
Wed Oct 10, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 RBD?
Replies: 28
Views: 2041

Re: S&P 500 RBD?

samsdad wrote:
Wed Oct 10, 2018 2:15 pm
Does this count as a RBD?
No, at least not yet. The stock markets are still open though, so there is time.
by livesoft
Wed Oct 10, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon (LV) - is $80 ticket price for Sky Walk worth it
Replies: 14
Views: 1330

Re: Grand Canyon (LV) - is $80 ticket price for Sky Walk worth it

I am going to the North Rim in November and December, so it is not really closed. Of course, I do have to backpack starting from the South Rim to get there. :)

And I have to also hike back.
by livesoft
Wed Oct 10, 2018 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs others
Replies: 27
Views: 1770

Re: Vanguard vs others

You won't know what you are missing until you try it out. I have been a Vanguard client for over 35 years. I've had money at Fidelity for over 25 years. Of course, both of them have changed since I started with them. It is not complicated to use 2 or more firms nowadays. It is easier to rebalance, t...
by livesoft
Wed Oct 10, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: Hiking NH White Mountains. Taking one lens.
Replies: 25
Views: 1030

Re: Hiking NH White Mountains. Taking one lens.

While one may not need a monopod for stabilization, if one wants to take pictures/movies of themselves together w/friends, then a camera holder of some type is more versatile than setting the camera on a rock. I'm going backpacking for about a month of overnights soon. I would not mind using one of ...
by livesoft
Wed Oct 10, 2018 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Lag time to transfer 401 to TIRA
Replies: 1
Views: 120

Re: Lag time to transfer 401 to TIRA

10 days is not bad. It could take from 1 day to 4 years. Here is a thread describing some of the people, paperwork, etc: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=259113 I did a Fidelity to TDAmeritrade rollover in 5 days. Your money earns nothing while it is a check in the mail. If you h...
by livesoft
Wed Oct 10, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: Hiking NH White Mountains. Taking one lens.
Replies: 25
Views: 1030

Re: Hiking NH White Mountains. Taking one lens.

quantAndHold wrote:
Wed Oct 10, 2018 6:48 am
I would also carry a hiking pole that can be used as a monopod. That will make more difference than which lens you’re using.
Ultrapod straps tightly to a trekking pole.
by livesoft
Wed Oct 10, 2018 7:04 am
Forum: Investing - Help with Personal Investments
Topic: Annuities
Replies: 12
Views: 994

Re: Annuities

I am around your age. No I don't think you need to consider annuities. But I wouldn't buy CDs either.

We know nothing about your financial situation from this thread other than you seem to be fearful and anxious. Why?
by livesoft
Wed Oct 10, 2018 5:49 am
Forum: Personal Consumer Issues
Topic: Hiking NH White Mountains. Taking one lens.
Replies: 25
Views: 1030

Re: Hiking NH White Mountains. Taking one lens.

Depends on the weather, except you shouldn't take the 100-400 mm nor the 50 mm.
by livesoft
Tue Oct 09, 2018 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Form 8606 in Non-deductible IRA conversion to Roth IRA
Replies: 7
Views: 667

Re: Form 8606 in Non-deductible IRA conversion to Roth IRA

I forgot to file an 8606 for 2004 for myself and one for my spouse until about 2015 when I started Roth conversions. So I filed a Form 8606 by itself and did not amend any tax returns because they did not change. I did not submit a 5498 as the IRS should have those sent by the financial institutions...
by livesoft
Tue Oct 09, 2018 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Another TLH question
Replies: 6
Views: 413

Re: Another TLH question

Right. LT losses offset LT gains first; ST losses offset ST gains first. Then if there are leftover gains to offset, they offset those gains. Leftover losses after that offset up to $3000 of ordinary income, then leftovers get carried over to future years while keeping track of their short and/or lo...
by livesoft
Tue Oct 09, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Another TLH question
Replies: 6
Views: 413

Re: Another TLH question

Quiz time: What about Long-term losses?
by livesoft
Tue Oct 09, 2018 5:08 pm
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting and selling a mutual fund within 30 days of purchase
Replies: 10
Views: 539

Re: Tax loss harvesting and selling a mutual fund within 30 days of purchase

Then what is the meaning of the clause "within 30 days before the sale" in the wash sale rule: "The rule defines a wash sale as one that occurs when an individual sells or trades a security at a loss and, within 30 days before or after this sale, buys a 'substantially identical' stock or security."...
by livesoft
Tue Oct 09, 2018 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: tlh vfwax to vtiax if both have losses? min to tlh?
Replies: 6
Views: 452

Re: tlh vfwax to vtiax if both have losses? min to tlh?

What is your rationale for buying replacement funds in advance of tax-loss harvesting? I don't understand. I suspect it is to meet the initial minimum purchase for Admiral shares. For example, without a position in VFWAX one wants to sell the most recently purchased shares of VTIAX that now have lo...
by livesoft
Tue Oct 09, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting and selling a mutual fund within 30 days of purchase
Replies: 10
Views: 539

Re: Tax loss harvesting and selling a mutual fund within 30 days of purchase

Doc wrote:
Tue Oct 09, 2018 3:58 pm
Remember you don't "lose" the loss even if it is a wash sale. The cost basis of the new purchase is just adjusted downward by the amount of the loss. But if you are using average cost FIFO it is just the average that goes down. :(
Downward or Upward?

I think it is upward.
by livesoft
Tue Oct 09, 2018 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3774

Re: How to get over paper loss?

. It's very discouraging seeing my balance drop by $100-300 each passing day. To give you some perspective my portfolio dropped over $8,000 in the last 4 days thanks to the bond rout and falling International/EM.. and no i'm not wealthy, that is a ton of money for me. However these are short term f...
by livesoft
Tue Oct 09, 2018 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: tlh vfwax to vtiax if both have losses? min to tlh?
Replies: 6
Views: 452

Re: tlh vfwax to vtiax if both have losses? min to tlh?

Works for me. I would probably not TLH $500 ... ... unless ... a) I wanted to practice my TLH acumen -- or -- b) the shares were about to become long-term held shares because I always want to TLH short-term losses -- or -- c) it is December and I always want to harvest losses before the new year sta...
by livesoft
Tue Oct 09, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: How to sell individual ETF lots on Vanguard
Replies: 2
Views: 225

Re: How to sell individual ETF lots on Vanguard

Here is how to do it with a Mutual Fund in a taxable account under the old system: https://www.bogleheads.org/forum/viewtopic.php?t=179414 It must be similar for ETFs. It is possible that in a Roth IRA or tax-deferred account where it doesn't matter which lot you sell as far as taxes go that Vanguar...
by livesoft
Tue Oct 09, 2018 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3774

Re: How to get over paper loss?

Admiral wrote:
Tue Oct 09, 2018 2:09 pm
livesoft wrote:
Tue Oct 09, 2018 1:03 pm
Rather than stop looking, I think one needs to look even more. After awhile, one will get used to losing money. I am serious about this.
Meh. Like how often?
That will depends on the person doing the looking until it doesn't bother them anymore.
by livesoft
Tue Oct 09, 2018 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Another TLH question
Replies: 6
Views: 413

Re: Another TLH question

Short-term losses offset ST gains, then LT gains, then anything leftover will offset up to $3000 of ordinary income, then anything leftover from that gets carried over to next year. You have no choice. See IRS publication 550.
by livesoft
Tue Oct 09, 2018 1:07 pm
Forum: Investing - Theory, News & General
Topic: "Safe" Withdrawal Rate for Early Retirees (or any retiree)
Replies: 164
Views: 11773

Re: "Safe" Withdrawal Rate for Early Retirees (or any retiree)

^15 more years of living gives one a different perspective on life and maybe some added maturity, so that one wouldn't worry as much about SWR.
by livesoft
Tue Oct 09, 2018 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Question about how TLH works with ETFs
Replies: 3
Views: 208

Re: Question about how TLH works with ETFs

There is no problem selling your losing positions in VTIAX and buying more VFWAX. Then just wait 31 days to sell the losing positions in VFWAX and buy back the VTIAX. I don't see any need to buy IXUS. But if you want to, I don't see any problem with that. In the future if you sell IXUS, then maybe y...
by livesoft
Tue Oct 09, 2018 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3774

Re: How to get over paper loss?

Rather than stop looking, I think one needs to look even more. After awhile, one will get used to losing money. I am serious about this.
by livesoft
Tue Oct 09, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance into international in retirement account
Replies: 6
Views: 473

Re: Rebalance into international in retirement account

A tax-deferred account like your 403(b) is a wonderful location for VTIAX. My spouse owns it in her rollover IRA. A Roth IRA is also a wonderful location for VTIAX. And so is a taxable account. Basically, VTIAX is good in kinds of account that you are likely to have including the above, HSA, 529, et...
by livesoft
Tue Oct 09, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 5642

Re: Subaru: Crosstrek or Outback?

This is patently wrong. I just got my 2019 outback and it does this. Has been for a while. I have a collision detector that goes off if I approach too close. The manual also describes it. Thanks, I'll investigate and report back. I think collision detection is not the same as parking assist. I cann...
by livesoft
Tue Oct 09, 2018 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Choosing Fund Cost-Basis Methods
Replies: 9
Views: 355

Re: Choosing Fund Cost-Basis Methods

Specific Identification is the ONLY way to sell recently purchased shares when you also have older shares around that you don't want to sell because the old shares have huge unrealized capital gains that would be realized and taxed if those older shares are sold. This can mean lower taxes and tax-lo...
by livesoft
Tue Oct 09, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Choosing Fund Cost-Basis Methods
Replies: 9
Views: 355

Re: Choosing Fund Cost-Basis Methods

Always use Specific Identification if you have a choice. Always!

FIFO is a subset of Specific Identification, so I am not even sure why they confuse people by offering it.