Search found 454 matches

by Calygos
Sun May 20, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: When to and when not to “reinvest dividend and capital gains”
Replies: 24
Views: 2222

Re: When to and when not to “reinvest dividend and capital gains”

Would this be a reasonable approach to reducing lots? 1. Turn off reinvestment of (quarterly) dividends and instead direct them to the account's settlement fund. 2. Contribute regularly (monthly or quarterly) from a bank account to the settlement fund. 3. Each quarter, immediately following dividen...
by Calygos
Sun May 20, 2018 10:13 am
Forum: Investing - Help with Personal Investments
Topic: When to and when not to “reinvest dividend and capital gains”
Replies: 24
Views: 2222

Re: When to and when not to “reinvest dividend and capital gains”

Would this be a reasonable approach to reducing lots? 1. Turn off reinvestment of (quarterly) dividends and instead direct them to the account's settlement fund. 2. Contribute regularly (monthly or quarterly) from a bank account to the settlement fund. 3. Each quarter, immediately following dividend...
by Calygos
Sun May 20, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Simplifying to a target retirement fund?
Replies: 9
Views: 637

Re: Simplifying to a target retirement fund?

My current portfolio consists of 4 accounts: Current 401(k): 100% VIGAX (Vanguard Growth Index Fund Admiral Shares) Taxable Account: 100% VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares) Roth IRA: 100% VTSAX Traditional IRA (rolled-over previous 401(k)s) 45% VTSAX 25% VTIAX (Vanguard T...
by Calygos
Sun May 20, 2018 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Simplifying to a target retirement fund?
Replies: 9
Views: 637

Re: Simplifying to a target retirement fund?

Sometimes putting a target fund in taxable is not the best approach for a couple of reasons. If you are in a higher tax bracket, the bonds in the target fund would not be very tax-efficient. Also, the target fund means you could not sell stocks or bonds without selling both. In a taxable account, k...
by Calygos
Sun May 20, 2018 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Simplifying to a target retirement fund?
Replies: 9
Views: 637

Re: Simplifying to a target retirement fund?

Sometimes putting a target fund in taxable is not the best approach for a couple of reasons. If you are in a higher tax bracket, the bonds in the target fund would not be very tax-efficient. Also, the target fund means you could not sell stocks or bonds without selling both. In a taxable account, k...
by Calygos
Sun May 20, 2018 7:12 am
Forum: Investing - Help with Personal Investments
Topic: Simplifying to a target retirement fund?
Replies: 9
Views: 637

Simplifying to a target retirement fund?

My current portfolio consists of 4 accounts: Current 401(k): 100% VIGAX (Vanguard Growth Index Fund Admiral Shares) Taxable Account: 100% VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares) Roth IRA: 100% VTSAX Traditional IRA (rolled-over previous 401(k)s) 45% VTSAX 25% VTIAX (Vanguard To...
by Calygos
Wed May 16, 2018 10:16 am
Forum: Investing - Theory, News & General
Topic: Do people in the forum hold foreign bonds?
Replies: 69
Views: 5683

Re: Do people in the forum hold foreign bonds?

Wow, this whole discussion is over my head. Guess for me, considering simplicity and not investing in something I don't understand at least at a more basic level, the answer is to stay away from international bonds except for whatever is held in VBTLX (which makes int'l bonds about 1.74% of my entir...
by Calygos
Tue May 15, 2018 7:57 am
Forum: Investing - Theory, News & General
Topic: Do people in the forum hold foreign bonds?
Replies: 69
Views: 5683

Re: Do people in the forum hold foreign bonds?

I'm in the middle of reconsidering how much of my AA is in bonds and International equities and it got me thinking about International bonds as well. I've seen a lot of people here argue for holding anywhere from the Bogle/Vanguard 20% through the market cap of ~51% for Int'l equities, so why not th...
by Calygos
Sun May 13, 2018 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Selling shares from taxable, do lot choices matter?
Replies: 9
Views: 368

Re: Selling shares from taxable, do lot choices matter?

You don't have to sell all the shares in a lot either. Unfortunately, your broker does not show the percent gain for each lot. I would be selling the shares with loss, then the long-term-held shares with the least percent gain. That would keep my taxes the lowest. Sure, which is why I was thinking ...
by Calygos
Sun May 13, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Selling shares from taxable, do lot choices matter?
Replies: 9
Views: 368

Re: Selling shares from taxable, do lot choices matter?

Of course lot choices matter. Your choice will affect your income and thus your taxes in a big way. I should have clarified in the title that I was really only referring to lots with differing numbers of shares / market value and all had LTCG rather than STCG (or losses), but that otherwise had the...
by Calygos
Sun May 13, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Selling shares from taxable, do lot choices matter?
Replies: 9
Views: 368

Re: Selling shares from taxable, do lot choices matter?

trueblueky wrote:
Sun May 13, 2018 11:06 am
Calygos wrote:
Sun May 13, 2018 11:03 am
I'm in the 28% tax bracket, so I'd definitely be paying 15% (is that still right?) on the LTCG. Give me a few minutes and I'll post the lots.
15% until you exceed $479,000 MFJ or $425,800 Single. What is your state tax rate?
I live in WA so no state taxes.

Here are my lots.
by Calygos
Sun May 13, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Selling shares from taxable, do lot choices matter?
Replies: 9
Views: 368

Re: Selling shares from taxable, do lot choices matter?

I'm in the 28% tax bracket, so I'd definitely be paying 15% (is that still right?) on the LTCG. Give me a few minutes and I'll post the lots.
by Calygos
Sun May 13, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Selling shares from taxable, do lot choices matter?
Replies: 9
Views: 368

Selling shares from taxable, do lot choices matter?

Hi all, This may be a dumb question. I'm considering a purchase of around $4k and thinking of selling shares from my taxable account (100% VTSAX) to fund it. I'd switched cost basis from Average Cost to SpecID last year and there are currently 16 lots with long-term capital gains, with 13 of the lot...
by Calygos
Thu May 03, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4067

Re: Ally asking CURRENT customer to provide SSN card?

...For those that haven't seen it, CGP Grey has a great video on this mess ... I watched it from beginning to end, I loved it, and it made me laugh out loud several times. However it doesn't really speak to the serious problems resulting from the internal contradictions of wanting to be efficient w...
by Calygos
Thu May 03, 2018 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4067

Re: Ally asking CURRENT customer to provide SSN card?

...To begin with, a Social Security card only has one personally identifying thing on it: a signature. That's all it is, a number, a name, and a signature. No picture, no hologram, no thumbprint. Cheaply printed on ordinary cardboard; no pretty scrollwork, no raised seal, nothing. Mine is from the ...
by Calygos
Sun Apr 29, 2018 10:16 am
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.60%
Replies: 171
Views: 25668

Re: Ally online savings now at 1.50%

Why all the rate-chasing here? Savings accounts (i.e. emergency funds, cash reserves, whatever the desired terminology) are supposed to be about security and liquidity, not growth.
by Calygos
Sun Apr 29, 2018 9:59 am
Forum: Investing - Theory, News & General
Topic: What are the questions you would ask a Financial Advisor ?
Replies: 59
Views: 3840

Re: What are the questions you would ask a Financial Advisor ?

Why do clients want to see an advisor's portfolio? You may not have the same investment risk profile. Presumably to see if he is an honest sucker or thinks his clients are suckers for things he would never buy himself. If he's not honest, he'll just show a made-up portfolio anyway. Kinda like keepi...
by Calygos
Sun Apr 29, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: can't login to vanguard this a.m.
Replies: 17
Views: 1184

Re: can't login to vanguard this a.m.

It did just work for me on Chrome on my Mac after purging everything with Shift-Cmd-Delete.
by Calygos
Sun Apr 29, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: can't login to vanguard this a.m.
Replies: 17
Views: 1184

Re: can't login to vanguard this a.m.

Looks like redirect loops, possibly an issue wih it having trouble downloading angular.min.js.
by Calygos
Fri Apr 27, 2018 8:44 pm
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.60%
Replies: 171
Views: 25668

Re: Ally online savings now at 1.45%

My account still shows 1.45% but no big deal. Ally has been my EF for a few years but I finally moved there for my checking as well since I really like their interface and the simplicity of moving funds immediately, plus their 24/7 support has been helpful on a few occasions. I do also have checking...
by Calygos
Thu Apr 12, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3027
Views: 932191

Re: What Book Are You Currently Reading? Part VI

I couldn't get into the Lovecraft, so I'm currently traveling and splitting my time between The Intelligent Investor (finally, and it's the hardcover re-print of the original 1949 edition) and The Horus Heresy (never played WH but I love sci-fi world building and decided to give the series a go).
by Calygos
Wed Apr 11, 2018 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Any aggressive index funds in your portfolio?
Replies: 35
Views: 3412

Re: Any aggressive index funds in your portfolio?

I have VIGAX (Vanguard Growth Index Fund Admiral Shares) as 100% of my 401(k) since that was the best option from a cost perspective in my 401(k) plan.
by Calygos
Sat Mar 31, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3531
Views: 1004914

Re: What Movie Have You Recently Watched?

Finally got around to watching The Last Jedi (since it became rentable on iTunes this past week) and it was as disappointing as I expected. Granted, I'd disliked The Force Awakens and spoiled TLJ by watching the Red Letter Media Half in the Bag review of it long ago, but I tried to go into it with a...
by Calygos
Sat Mar 31, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3027
Views: 932191

Re: What Book Are You Currently Reading? Part VI

Just started H.P. Lovecraft: The Complete Fiction. I haven't read much fiction in a while but I love cosmic horror so I'm finally going to the source!
by Calygos
Mon Mar 26, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5447

Re: Anxious about age, career, and housing costs

OP, I bought my first place in 2004 in a townhouse complex in the midwest. It was a good "first dip" into real estate as it gave me the flexibility of my own home without the burden of yard upkeep. In 2005 (a year later!) I took a promotion and moved out of state. Fast forward to 2012, I bought ano...
by Calygos
Mon Mar 26, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5447

Re: Anxious about age, career, and housing costs

For the entire 6.5 years I've lived here, I've lived and worked on the east side (live in Kirkland, work in SE Bellevue) and rarely go into Seattle, even actively avoid doing so, as I don't like Seattle and the entire west side. If you work in SE Bellevue, why not live in SE Bellevue and eliminate ...
by Calygos
Mon Mar 26, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Any hand written letter services out there that write and mail on your behalf?
Replies: 25
Views: 2419

Re: Any hand written letter services out there that write and mail on your behalf?

Does anyone know if there's a service out there that will write and mail a letter on your behalf? In other words, you type up a message and email to the service and they will copy that and mail it (stamp and all) to the recipient for you. Better yet, any that will hand write for you and then just a...
by Calygos
Mon Mar 26, 2018 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5447

Re: Anxious about age, career, and housing costs

You might be able to get much of what you want without buying the single family house in a distant suburb. Since you're single with no kids, school quality need not drive you to distant suburbs. Why not buy a condo in Seattle close to where you work? Yes, you don't get a yard. But you still get man...
by Calygos
Mon Mar 26, 2018 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5447

Re: Anxious about age, career, and housing costs

OP, I bought my first place in 2004 in a townhouse complex in the midwest. It was a good "first dip" into real estate as it gave me the flexibility of my own home without the burden of yard upkeep. In 2005 (a year later!) I took a promotion and moved out of state. Fast forward to 2012, I bought ano...
by Calygos
Mon Mar 26, 2018 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5447

Re: Anxious about age, career, and housing costs

I'd be happier even if I could just find a nice, non-beige, non-carpeted apartment with a more open layout in a reasonably nice, walkable area that doesn't cost 2/3 of a paycheck. Yeah, I know what you mean. I like where I live and it is exactly what I need, but when I visit people who live in hous...
by Calygos
Sun Mar 25, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: Subaru Cross Country Perks?
Replies: 6
Views: 1050

Re: Subaru Cross Country Perks?

Understood. I get great rental deals through autoslash.com. Tell them what you want, they send you an email in a few minutes with best prices from lots of companies. Click on what you like, and reserve through priceline., I've done this several times, with Hertz and AVIS, and it works just fine. Re...
by Calygos
Sun Mar 25, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Subaru Cross Country Perks?
Replies: 6
Views: 1050

Re: Subaru Cross Country Perks?

Understood. I get great rental deals through autoslash.com. Tell them what you want, they send you an email in a few minutes with best prices from lots of companies. Click on what you like, and reserve through priceline., I've done this several times, with Hertz and AVIS, and it works just fine. Re...
by Calygos
Sun Mar 25, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5447

Re: Anxious about age, career, and housing costs

Apartments just always feel so temporary because they generally suck (as I mentioned in my original post) so I've never really felt at home anywhere since high school. The grass is always greener on the other side of the fence. I have owned and lived in the same apartment for years and often wish t...
by Calygos
Sun Mar 25, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 132
Views: 19892

Re: My boneheaded financial mistakes

I made huge mistakes buying several new cars over the last 15 years. Never again. I would call this iffy, as it depends on how much you spent and how much use you got out of them. I'm on my second brand new car. Bought my first in 2001, an Integra GS-R for $20k, had it for 14 years, 2 months, about...
by Calygos
Sun Mar 25, 2018 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 132
Views: 19892

Re: My boneheaded financial mistakes

I've made numerous mistakes, but the biggest would have to be giving (not "loaned", I had my eyes open about that at least) as much money over the last 20 years as I have to family, my one gf (she's still my best friend, though, and it's a special case that was important but it still stings financia...
by Calygos
Sun Mar 25, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5447

Re: Anxious about age, career, and housing costs

Based on everything in your post, you are having a general midlife crisis or reassessment of your life. That's normal and appropriate as you start to look a the next phase of life and what you want to do for the rest of your years. Buying a house in the middle of that process (or doing anything els...
by Calygos
Sun Mar 25, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5447

Re: Anxious about age, career, and housing costs

3funder wrote:
Sun Mar 25, 2018 11:12 am
A house is definitely a lifestyle choice. Treat it as such.
Agreed! :D
by Calygos
Sun Mar 25, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5447

Re: Anxious about age, career, and housing costs

magazinewriter wrote:
Sun Mar 25, 2018 11:00 am
How about buying a small vacation property that you could make your own, maybe a cottage.
I don't vacation and I wouldn't want a place that I didn't live in since I wouldn't be there most of the time so upkeep would be lacking.
by Calygos
Sun Mar 25, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5447

Re: Anxious about age, career, and housing costs

I've been single my whole life (not even a pet) and I'm a minimalist so I generally haven't needed much space. Most of my apartments have been in the 600-800 square foot range and my current one is 600. As I mentioned earlier, though, it would be nice to have the home gym space and a private yard f...
by Calygos
Sun Mar 25, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5447

Re: Anxious about age, career, and housing costs

Many people live in condo's or townhomes where it is sometimes possible to buy or rent units that are right next door. Other than the financial considerations there may be very little difference between being a renter or owner so in some situations renting can have a lot of advantages. Except that ...
by Calygos
Sun Mar 25, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5447

Re: Anxious about age, career, and housing costs

Same age, industry and area (eastside) - so I thought I'll provide my perspective. I have been in the Seattle area for ~7 years and loved it when I moved here. Commutes were quick and distance were short. Things have gotten a bit crazy over the last 5 years or so - the price we all pay for growth. ...
by Calygos
Sun Mar 25, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5447

Re: Anxious about age, career, and housing costs

In your situation, I would not buy. But as others have said, make sure you save enough so you account for housing when you near retirement. I bought a home in a HCOL area during the recession. I have no plans to leave here and am confident I could land a job by ensuring my skills are relevant. I co...
by Calygos
Sun Mar 25, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5447

Re: Anxious about age, career, and housing costs

Many people live in condo's or townhomes where it is sometimes possible to buy or rent units that are right next door. Other than the financial considerations there may be very little difference between being a renter or owner so in some situations renting can have a lot of advantages. Except that ...
by Calygos
Sun Mar 25, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5447

Re: Anxious about age, career, and housing costs

I can't imagine renting at that age. I'm 31 and own my home (bought for $295k three years ago and it was just valued last tax season at $348k) and couldn't fathom living in someone else's space and paying them money for it. I always felt weird in college writing checks to a landlord and knowing I c...
by Calygos
Sun Mar 25, 2018 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5447

Re: Anxious about age, career, and housing costs

My current commute is 13-15 minutes at zero-dark-thirty AM and 25-30 minutes up I-405 in the afternoon. That likely also gets a bit worse each year. If buying property means getting a significantly longer commute then be very cautious about doing that. You could also change jobs and end up with a b...
by Calygos
Sun Mar 25, 2018 6:00 am
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5447

Re: Anxious about age, career, and housing costs

I'm 58, also in tech, single (divorced). Houses are a terrible investment. I tell young people buy a house as a life style choice if you want, but it will be very expensive, and it will cost you or at least delay the opportunity to be FI. I think, when counting all costs, I've made money on only on...
by Calygos
Sun Mar 25, 2018 5:53 am
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5447

Re: Anxious about age, career, and housing costs

I don't know if I want to stay in this area. It's great for tech but so expensive. It's also beautiful, all of the green and rain, but with awful traffic and congestion, which will only get worse. We left 5.5 years ago due to cost of living, traffic, weather and other things. Haven't been happier. ...
by Calygos
Sun Mar 25, 2018 5:52 am
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5447

Re: Anxious about age, career, and housing costs

Home ownership is very overrated in my opinion. Certainly housing can be a good investment in some markets, but in many cases home appreciation just keeps pace with inflation. We learned in 2008 that housing values can also drop significantly. If you are happy where you are renting, I would stay th...
by Calygos
Sun Mar 25, 2018 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5447

Re: Anxious about age, career, and housing costs

Are you meeting your other savings and financial goals? If so, I wouldn't get hung up on a house. Houses can be terrible investments -- even when the value goes up (usually slowly over time), there are so many short term costs -- are you ready for the furnace to blow out? the roof to leak? for an i...
by Calygos
Sun Mar 25, 2018 5:37 am
Forum: Personal Finance (Not Investing)
Topic: Anxious about age, career, and housing costs
Replies: 60
Views: 5447

Re: Anxious about age, career, and housing costs

I feel like having never had a house really has hamstrung me financially for the long haul. I'm another person in the tech industry about a decade older than you. I would not count on staying in any one place unless you are willing to prioritize that over getting a better job. Buying a house was my...