Search found 62421 matches

by livesoft
Fri Oct 12, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: HR Block Taxcut 2017 not printing all required forms?
Replies: 4
Views: 323

Re: HR Block Taxcut 2017 not printing all required forms?

I have not seen that, but contact Customer Support and tell us what they say.
by livesoft
Fri Oct 12, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 3018

Re: Pacific Northwest trip

Texasdiver covered a lot of ground for you. ... I flew to Portland with a bicycle, ditched the box, rode my bike up the Columbia River Gorge to Hood River, then up around Mt Hood, back north to Mt Adams, Mt St Helens, Mt Rainier, then into Seattle and flew home out of Sea-Tac. So one doesn't need a...
by livesoft
Fri Oct 12, 2018 1:36 pm
Forum: Investing - Theory, News & General
Topic: Psychological vs. Real Risk
Replies: 21
Views: 1563

Re: Psychological vs. Real Risk

1. I don't think so. Almost every time someone loses big money, they worry a little bit or at least get a little bit uncomfortable. So if they set their AA to the lower of Psych or Real, then they will still feel the desire or wish not to lose money. And there is another side to this. It is not just...
by livesoft
Fri Oct 12, 2018 12:01 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer the best index products for a passive investor compared to Vanguard
Replies: 61
Views: 5792

Re: Does Fidelity offer the best index products for a passive investor compared to Vanguard

I want to know more about the tax efficiency of these funds because I have to invest in a taxable account.
by livesoft
Fri Oct 12, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Flagship complimentary CFP services
Replies: 13
Views: 1480

Re: Vanguard Flagship complimentary CFP services

Have you checked the web site lately? Perks and benefits have changed in recent years.
by livesoft
Fri Oct 12, 2018 11:38 am
Forum: Investing - Theory, News & General
Topic: Unfortunate Near Real-Time Test of Sequence of Returns Risk v Probability of Retirement Success
Replies: 19
Views: 1800

Re: Unfortunate Near Real-Time Test of Sequence of Returns Risk v Probability of Retirement Success

I have to laugh if one thinks that any of these "probabilities" have any basis in fact or science. Sure, they have a model they made up based on something, but there are lots of such models out there and most of them have believers that a particular model is OK. But I think none of the models have a...
by livesoft
Fri Oct 12, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 3018

Re: Pacific Northwest trip

I would hike in the Central Cascades. There are so many places that don't get a lot of people very close to Portland.

Then do the entire loop around Mt Rainier.

You would only have to spend a day in Portland and Seattle which are just cities like you've seen everywhere else.
by livesoft
Fri Oct 12, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: How are MF orders executed in 401k Drop same day as 401k contribution?
Replies: 3
Views: 262

Re: How are MF orders executed in 401k Drop same day as 401k contribution?

Yes, you can see purchase dates and prices. Once again, every 401(k) is different. You can pm me your login credentials and I will steal all your money look up in your account where the info is. Or you can get help by calling the phone number on the web site that you login to. It is also a good idea...
by livesoft
Fri Oct 12, 2018 10:20 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7810
Views: 1604758

Re: U.S. stocks in freefall

flyingaway wrote:
Fri Oct 12, 2018 9:59 am
Are you supposed to have a holding period of one month for any funds?
I can do anything I want, but I usually (not always) use ETFs.
by livesoft
Fri Oct 12, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7810
Views: 1604758

Re: U.S. stocks in freefall

Just wonder how many people on this board really saw this correction or market freefall coming? I just wait for them patiently. I don't try to predict them, but I do try to react to them after they happen. For instance, if I made 3% on my bond fund money by exchanging that bond fund into equities y...
by livesoft
Fri Oct 12, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 104
Views: 5603

Re: Keep a backup hot water heater?

lazydavid wrote:
Fri Oct 12, 2018 8:32 am
See above. We have two right next to each other, and both feed the entire house. It's just extra capacity.
Then either there is a way to bypass either heater or not. If not, then make a way.
by livesoft
Fri Oct 12, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: How are MF orders executed in 401k Drop same day as 401k contribution?
Replies: 3
Views: 262

Re: How are MF orders executed in 401k Drop same day as 401k contribution?

Every 401(k) is different when it comes to when a paycheck is received and when a 401(k) contribution ends up purchasing the assets. For instant, my spouse's paycheck shows up on Thursdays, but any purchase of mutual funds from contributions from that paycheck show up on Fridays with the Friday clos...
by livesoft
Fri Oct 12, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: Key West Hotels
Replies: 27
Views: 1870

Re: Key West Hotels

I would think one would want very recent eyewitness accounts of anything due to hurricanes the past 2 years.
by livesoft
Fri Oct 12, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7810
Views: 1604758

Re: U.S. stocks in freefall

^Yes, there is probably more panic selling on 3% down days than there is on 3% up days.
by livesoft
Fri Oct 12, 2018 5:57 am
Forum: Investing - Theory, News & General
Topic: Does it make sense to consider that stocks are 'on sale' when there's a correction?
Replies: 84
Views: 4432

Re: Does it make sense to consider that stocks are 'on sale' when there's a correction?

jadd806 wrote:
Fri Oct 12, 2018 5:43 am
Shouldn't "serious money" already be fully invested such that there's nothing left over to buy dips?
Serious money is invested not only in equities, but also in bonds. So bonds can be sold and the money used to buy equities.
by livesoft
Fri Oct 12, 2018 5:36 am
Forum: Investing - Theory, News & General
Topic: Does it make sense to consider that stocks are 'on sale' when there's a correction?
Replies: 84
Views: 4432

Re: Does it make sense to consider that stocks are 'on sale' when there's a correction?

... How can a sharp drop like that of the last 2 days (and the corresponding recovery this morning in European markets), rationally be explained by the dividend discount model? How can some stocks really have become worth 10% less in 24 hours, and now be worth again close to what they were worth on...
by livesoft
Thu Oct 11, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: Can a Person Under 21 Rent a Hotel Room?
Replies: 15
Views: 1559

Re: Can a Person Under 21 Rent a Hotel Room?

Sure, otherwise many military personnel would have a difficult time. A 19-year-old is a young adult; not a minor; not a child. He should ask his friends what their experiences have been. It should be interesting to find out. I'll toss out a data point: My 18-year-old daughter went to visit colleges ...
by livesoft
Thu Oct 11, 2018 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest VTSAX -> VLCAX
Replies: 10
Views: 686

Re: Tax loss harvest VTSAX -> VLCAX

I think the only thing you are missing is that you will be required to provide testimonials and answers on bogleheads.org whenever someone asks about a potential wash sale. You will write, "It was a no brainer and easy! Do it!"
by livesoft
Thu Oct 11, 2018 9:40 pm
Forum: Investing - Theory, News & General
Topic: Does international really buy you diversification?
Replies: 43
Views: 4589

Re: Does international really buy you diversification?

The difference in total return so far in 2018 is so different that it is your answer. You got diversification in return, so you bought diversification. And currency risk happens with equities, too.
by livesoft
Thu Oct 11, 2018 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest VTSAX -> VLCAX
Replies: 10
Views: 686

Re: Tax loss harvest VTSAX -> VLCAX

Yes, the wash would apply to the shares purchased with the $288 and $155, so the dollar amount will likely be much much smaller than $443. And yes, you would have to make a small change to your tax return as shown elsewhere on the forum.
by livesoft
Thu Oct 11, 2018 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest VTSAX -> VLCAX
Replies: 10
Views: 686

Re: Tax loss harvest VTSAX -> VLCAX

You have a choice:

1. Wait to TLH in taxable because the shares bought in the IRAs will create wash sales
-or-
2. Don't wait to TLH and show the disallowed loss on your tax return.
by livesoft
Thu Oct 11, 2018 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest VTSAX -> VLCAX
Replies: 10
Views: 686

Re: Tax loss harvest VTSAX -> VLCAX

Exchanging all your shares of VTSAX to VLCAX in order to tax-loss harvest is a good idea. You will learn that your dividend from September will not create a wash sale, too.
by livesoft
Thu Oct 11, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 167
Views: 25853

Re: Oatmeal suggestions

The biggest difficulty I've had with most ways to prepare oatmeal is the likelihood that the stove top or microwave container will boil over, ... Never had a problem with microwaving and any boil over, spill over, explode over and I don't cover the glass bowl I use in the microwave either. But see ...
by livesoft
Thu Oct 11, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 104
Views: 5603

Re: Keep a backup hot water heater?

The problem with HD is that they charge upwards of 500$ per hour of work to install your water heater. I thought is because they use lawyers and doctors but no... That's not the way my interaction with HD worked. Clearly, they have local plumbers who do the work of picking up new heater, taking old...
by livesoft
Thu Oct 11, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: What would you do with some bulk silver?
Replies: 41
Views: 2557

Re: What would you do with some bulk silver?

Ah, the ol' parents gave me an albatross to hang around my neck.

Your dad is an adult. Tell him to sell the silver or donate it to charity. You don't want it and you don't need it. He's got to man-up and get rid of it himself, so if you've got it now, give it back to him.
by livesoft
Thu Oct 11, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: buy and sell (TLH) before opening
Replies: 6
Views: 568

Re: buy and sell (TLH) before opening

Geez, it's only 6 minutes to the market open, so if you had time to post on bogleheads.org, then you have time to make these trades. :)
by livesoft
Thu Oct 11, 2018 8:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 101
Views: 4825

Re: Vanguard website problems [Transactions won't go through, 500 error...]

So did you ask that they "make you whole" and give you yesterday's trade prices as soon as you can login and make trades?
by livesoft
Thu Oct 11, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 104
Views: 5603

Re: Keep a backup hot water heater?

You have two water heaters. We have two water heaters. When one fails, replace it. Use the hot water from the other heater for showering, bathing, whatever. That is, unless your two water heaters are plumbed to the same bathroom which doesn't make much sense to me. Then when the other fails, replace...
by livesoft
Thu Oct 11, 2018 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Wash Sale?
Replies: 15
Views: 768

Re: Wash Sale?

Yes, you are misinterpreting it. Because the wash sale is created by the purchase of shares and only that number of shares is the wash sale. The rest of the sales do not participate in the wash sale at all.
by livesoft
Thu Oct 11, 2018 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Wash Sale?
Replies: 15
Views: 768

Re: Wash Sale?

I believe the IRS does not allow any loss to be claimed if the securities were repurchases in an IRA. https://www.investopedia.com/articles/retirement/09/ira-wash-sale-rule.asp Here’s a link that discusses it. Here is where I had a disallowed loss because of a purchase in an IRA and how it was trea...
by livesoft
Thu Oct 11, 2018 6:59 am
Forum: Investing - Help with Personal Investments
Topic: Wash Sale?
Replies: 15
Views: 768

Re: Wash Sale?

You only have some of your loss disallowed, say on about 14 shares. And since bond funds don't have large losses, maybe your realized loss was about 4% of the share value, so the disallowed loss is probably under $10 in total value.
by livesoft
Thu Oct 11, 2018 6:48 am
Forum: Investing - Help with Personal Investments
Topic: buy and sell (TLH) before opening
Replies: 6
Views: 568

Re: buy and sell (TLH) before opening

The main concern is that you don't know what prices you will sell and buy at. And if you don't know the price to buy, then you cannot set the number of shares to buy given an unknown amount of dollars to buy with, but maybe you have figured something out.
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: 69
Views: 4721

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: 3667

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: 69
Views: 4721

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: 102
Views: 9865

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: 325

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: 1320

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: 111
Views: 8379

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: 2306

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: 42
Views: 5286

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: 4550

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: 1320

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: 307

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: 2127

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: 2127

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: 3667

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: 3667

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.