Search found 419 matches

by Gamma Ray
Fri Apr 06, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: Hypothetical situation investing on property vs market
Replies: 21
Views: 1292

Re: Hypothetical situation investing on property vs market

I also wanted to diversify and I am not a big fan of using REITs when diversifying because REITs can disappear but an apartment will not, it's there, if you retire, if you are homeless, if market collapses, you have a house to live in. I'm not aware of any instances of a publicly traded REIT losing...
by Gamma Ray
Fri Apr 06, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Hypothetical situation investing on property vs market
Replies: 21
Views: 1292

Re: Hypothetical situation investing on property vs market

20% down means your initial leverage is 5 to 1. Equity REITs typically have a leverage ratio of 3 to 1. So for a fair comparison, you would need to adjust the returns to have equivalent leverage. Leverage = risk. It needs to be assessed on apples to apples comparison. I understand so my comparison ...
by Gamma Ray
Thu Apr 05, 2018 12:38 pm
Forum: Investing - Theory, News & General
Topic: Hypothetical situation investing on property vs market
Replies: 21
Views: 1292

Re: Hypothetical situation investing on property vs market

For those wondering, it's a studio apartment in New York city, not a building or a house. HOA is basically maintenance fee that covers hot water, heat and maintenance of the building, excluding tenant's properties. I am surprised to see you guys still utilize 1% expected rent income because those da...
by Gamma Ray
Wed Apr 04, 2018 2:13 pm
Forum: Investing - Theory, News & General
Topic: Hypothetical situation investing on property vs market
Replies: 21
Views: 1292

Hypothetical situation investing on property vs market

We have an opportunity to buy a property for $230k, it has current income of $1300/mo and hoa fees of $400/mo, net $900 before taxes. On $230k with $46k down the rent covers the mortgage & hoa fees. Out of pocket is about $56k after closing costs. The area rent is about $1500 to $1600 for similar ap...
by Gamma Ray
Wed Mar 07, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: What's that smell?
Replies: 41
Views: 6103

Re: What's that smell?

VG doesn't give details on Int'l vs Domestic anywhere in portfolio information, right? I only see stocks vs bonds, nothing on int'l vs domestic. I remember someone linked to a website we could put our funds and analyze them all in one picture (you could put cash etc.. as well), does anyone remember ...
by Gamma Ray
Tue Mar 06, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: What's that smell?
Replies: 41
Views: 6103

Re: What's that smell?

t offends my olfactory senses and makes me want to invest all my money in international stocks (again -- I'd never do that). Anyone else starting to feel like doodoo every time they find themselves investing in US stocks and bonds as part of their perfectly reasonable overall AA? Don't you have any...
by Gamma Ray
Wed Jan 24, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Those who retired and moved to another country, where did you go?
Replies: 7
Views: 1656

Re: Those who retired and moved to another country, where did you go?

Thanks for the replies, I agree that language is the biggest barrier that limits the number of countries we (as general) can retire in. Most of European countries speak English but obviously cost of living is more expensive, unless it's a smaller town, in that case we can just retire in a less expen...
by Gamma Ray
Tue Jan 23, 2018 11:50 pm
Forum: Investing - Theory, News & General
Topic: VG email question, can we skip "Your brokerage transaction confirmation is ready" emails only
Replies: 3
Views: 660

Re: VG email question, can we skip "Your brokerage transaction confirmation is ready" emails only

I would set up a rule in my email to archive or delete any email with that subject line. Sounds like this is what I have to do, thanks. Try: https://s10.postimg.org/4nkro6oll/Vanguard_Capture.png https://personal.vanguard.com/us/faces/com/vanguard/mailingpreferences/WelcomeMailingPreferences.xhtml ...
by Gamma Ray
Tue Jan 23, 2018 3:03 pm
Forum: Investing - Theory, News & General
Topic: VG email question, can we skip "Your brokerage transaction confirmation is ready" emails only
Replies: 3
Views: 660

VG email question, can we skip "Your brokerage transaction confirmation is ready" emails only

I tried to find a way to stop VG from sending me "Your brokerage transaction confirmation is ready" emails, I am getting these 3 times every week for 3 different accounts, and I don't want to completely unsubscribe myself from all communication, do you have any suggestions on how to eliminate clutte...
by Gamma Ray
Tue Jan 23, 2018 2:02 am
Forum: Personal Finance (Not Investing)
Topic: Those who retired and moved to another country, where did you go?
Replies: 7
Views: 1656

Those who retired and moved to another country, where did you go?

I am not sure if those who moved overseas or down south still visit this forum, but if their funds are still residing in the USA, I don't see any reason why they shouldn't. I am not familiar with the rules of Social Security and if we can still collect it if we live in another country, but as we all...
by Gamma Ray
Mon Dec 18, 2017 5:09 pm
Forum: Investing - Theory, News & General
Topic: How would you value a business if you considered investing in it
Replies: 30
Views: 2786

Re: How would you value a business if you considered investing in it

Very little detail but your limited words include: - my profits are driving this office - my filed is mainly commission based. A WAG would say that it is a low barrier of entry business with a few key clients where sales and sales contacts are the key. If that guess is near correct you know the old...
by Gamma Ray
Thu Dec 14, 2017 4:51 pm
Forum: Investing - Theory, News & General
Topic: Ensuring I don't buy the dividend
Replies: 28
Views: 1714

Re: Ensuring I don't buy the dividend

Apologize, the one must. The master accepts the apologies, one hopes.
by Gamma Ray
Thu Dec 14, 2017 4:12 pm
Forum: Investing - Theory, News & General
Topic: Ensuring I don't buy the dividend
Replies: 28
Views: 1714

Re: Ensuring I don't buy the dividend

No need to apologize. The thread would have happened anyways. ;) But: the next person to ask today has some explaining to do and I will accept their apology. :) Well, that could have been me, luckily this thread came along and saved a post! I guess with end of the year approaching and recalling peo...
by Gamma Ray
Thu Dec 14, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: How would you value a business if you considered investing in it
Replies: 30
Views: 2786

Re: How would you value a business if you considered investing in it

In summary we are attempting to help the OP with detail that is impossible to supply with the limited information that has been supplied so far. So far the information has been great, at least I know it's not as easy as looking at a few simple numbers and make a decision, even though I am actually ...
by Gamma Ray
Wed Dec 06, 2017 12:02 am
Forum: Investing - Theory, News & General
Topic: How would you value a business if you considered investing in it
Replies: 30
Views: 2786

Re: How would you value a business if you considered investing in it

Thanks, this is actually a company I am working for and I thought about investing in it and get into a profit sharing, and also have some say in how things run. I totally understand everything you all mentioned, the company has several offices, but each branch operates as individual company, so I wo...
by Gamma Ray
Tue Dec 05, 2017 1:06 am
Forum: Investing - Theory, News & General
Topic: How would you value a business if you considered investing in it
Replies: 30
Views: 2786

How would you value a business if you considered investing in it

Let's say I want to offer to buy a share of the company I am working for. What are the steps involved in finding real value of any company? I can find out yearly operational revenue for last few years, and overall cost (with a ballpark salary/compensation) which would give me an idea how much it mak...
by Gamma Ray
Wed Nov 08, 2017 11:43 pm
Forum: Investing - Theory, News & General
Topic: General question about taxable investment at VG
Replies: 8
Views: 1147

Re: General question about taxable investment at VG

When I go to Change cost basis methods, it has option to change it to SpecID, should I change that before I make another purchase? Yes, if you want the most possible control over which lots you are selling. Thank you. Is there a limit to how many lots it keeps track of? I am planning to make it an ...
by Gamma Ray
Wed Nov 08, 2017 2:26 pm
Forum: Investing - Theory, News & General
Topic: General question about taxable investment at VG
Replies: 8
Views: 1147

Re: General question about taxable investment at VG

Thank you everyone.
When I click on Cost Basis, it says FIFO, that means if I sell, it will just sell from 1st purchase until it sells all?

When I go to Change cost basis methods, it has option to change it to SpecID, should I change that before I make another purchase?
by Gamma Ray
Mon Nov 06, 2017 9:15 pm
Forum: Investing - Theory, News & General
Topic: General question about taxable investment at VG
Replies: 8
Views: 1147

General question about taxable investment at VG

About 5 months ago I bought my first taxable investment at Vanguard. I did not buy more or sell since then. Now, I am considering buying more, but when (if I decide to) sell portion of the same fund later, how will the capital gain taxes be calculated? Does VG let you sell from Purchase 1 and Purcha...
by Gamma Ray
Sun Nov 05, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Excel guides and tools?
Replies: 2
Views: 496

Re: Excel guides and tools?

Thank you fiveK.
by Gamma Ray
Sat Nov 04, 2017 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Excel guides and tools?
Replies: 2
Views: 496

Excel guides and tools?

I've seen several different discussions with links to Excel tools, but they seem to be spread into different threads.
Is there a section or an article that shares all useful excel tools? Things like http://www.efficientfrontier.com/files/savings-path.xls, for example.

Thanks in advance.
by Gamma Ray
Sat Nov 04, 2017 6:48 pm
Forum: Investing - Theory, News & General
Topic: "Probably the World's Best Investment Forum"
Replies: 34
Views: 5331

Re: "PROBABLY THE WORLD'S BEST INVESTMENT FORUM"

Best investment forum with the most helpful members . A forum alone is nothing without the active helpful members. You can have the best forum, but can go irrelevant quickly. I am extremely thankful to some of those people in this forum for helping me -and potentially others- save thousands of dolla...
by Gamma Ray
Tue Oct 03, 2017 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do you foresee a drop in housing prices in the next 5 years
Replies: 53
Views: 6189

Re: Do you foresee a drop in housing prices in the next 5 years

High interest, buyers market, especially those with cash.
Low interest, sellers market, no need to put too much down.
Is it not? Is there a data on this?
by Gamma Ray
Tue Oct 03, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax to offer free “credit freeze” for life
Replies: 43
Views: 4107

Re: Equifax to offer free “credit freeze” for life

Why can't we have one place to freeze all our credit with one click instead of having go through loops with different credit agencies, etc..
by Gamma Ray
Sun Aug 27, 2017 6:47 pm
Forum: Investing - Theory, News & General
Topic: How and when do you decide to do Tax Loss Harvesting?
Replies: 24
Views: 3013

Re: How and when do you decide to do Tax Loss Harvesting?

I use specID and TLH those with losses. I just read about specID on VG, I had no idea they offered that, but it looks like a complicated way, but I really like what I read. So it basically sets each purchase as separate fund/allocation (although it looks like one investment) and you can keep record...
by Gamma Ray
Sun Aug 27, 2017 1:08 am
Forum: Investing - Theory, News & General
Topic: How and when do you decide to do Tax Loss Harvesting?
Replies: 24
Views: 3013

Re: How and when do you decide to do Tax Loss Harvesting?

Let's pretend I want to put a fixed amount every month into vanguard total us stock market vtsax. Does anyone know the *least* I would need to invest monthly to be able to TLH at least the $3000 per year? Let's assume that a TLH is done whenever it's down by 1% In general I want to have my stocks i...
by Gamma Ray
Sat Aug 26, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: How and when do you decide to do Tax Loss Harvesting?
Replies: 24
Views: 3013

Re: How and when do you decide to do Tax Loss Harvesting?

Thanks for the replies, since I only one taxable account (all my other savings go to wife's and my retirement accounts) I don't really have a lot going on. Like Artsdoctor said TLH is most beneficial if you are holding a long term investment during a financial downturn, so even if it doesn't recover...
by Gamma Ray
Sat Aug 26, 2017 1:39 am
Forum: Investing - Theory, News & General
Topic: How and when do you decide to do Tax Loss Harvesting?
Replies: 24
Views: 3013

How and when do you decide to do Tax Loss Harvesting?

I only started investing in taxable account last month. It's all on VOO. I see that it's down by about -1.5%. If I sell this at loss and buy something else like Total Market Index, that loss will be a loss that I can use to cover the gains later on, but doesn't that loss help me cover the gains if t...
by Gamma Ray
Sat Aug 26, 2017 1:09 am
Forum: Personal Finance (Not Investing)
Topic: Employer reimbursement for plugin hybrid charge cost?
Replies: 14
Views: 1598

Re: Employer reimbursement for plugin hybrid charge cost?

With a plugin hybrid (these days they have very small batteries) it looks like it wouldn't be worth while to submit expense for electricity used to charge it, if it's just few dollars a month, I'll take the added benefit of driving a hybrid (short burst of acceleration, quiet, environmentally friend...
by Gamma Ray
Wed Aug 23, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Employer reimbursement for plugin hybrid charge cost?
Replies: 14
Views: 1598

Employer reimbursement for plugin hybrid charge cost?

We know the employers compensate or reimburse their workers based on miles traveled or they simply pay for the gas. In my case, they pay for my gas regardless of the miles because working in a very populated city with small footprint, if I do it by mileage i'd have to pay out of pocket. So I was thi...
by Gamma Ray
Wed Aug 23, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing a vehicle
Replies: 22
Views: 3738

Re: Leasing a vehicle

The key is not being totally set on a particular vehicle. SUVs are in high demand right now and as a result aren't leasing as well. In general the American manufacturers are a little cheaper after incentives if you want to go the SUV route. Passenger sedans are less popular and are leasing far bett...
by Gamma Ray
Thu Aug 17, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing a vehicle
Replies: 22
Views: 3738

Re: Leasing a vehicle

If the vehicle you want is on demand, you will never get anything near the 1% or the 1/120'th of MSRP for monthly payments. I am not sure what kind of vehicle you are looking at, but that's not helping me very much when I look at current pricing. I started collecting the Residual values and money fa...
by Gamma Ray
Mon Aug 14, 2017 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing a vehicle
Replies: 22
Views: 3738

Re: Leasing a vehicle

I know, the company pays for it, but insists that it's under my name. I am not going for something that I cannot afford anyway, so it's not going to be a problem even if I change jobs, worst case I can sell it, or just keep paying. Also I get to choose whatever I want, build the way I want, go put t...
by Gamma Ray
Mon Aug 14, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Leasing a vehicle
Replies: 22
Views: 3738

Re: Leasing a vehicle

To save some money on lease then opt for a basic mean of transportation Btw I like your Avatar, long live Kai & CO As sales who has to travel, public transportation isn't an option. Thanks, Nothing you will get for free, illusion or reality I guess this fits best to the theme of bogleheads; Been a ...
by Gamma Ray
Sun Aug 13, 2017 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing a vehicle
Replies: 22
Views: 3738

Re: Leasing a vehicle

If you search the boards you will find lots of posts about leasing. I'm pretty sure that the consensus is that leasing a car for business use can make sense because of the tax advantages but leasing a car for personal use rarely makes sense except for some special situations. Thanks for the reminde...
by Gamma Ray
Sun Aug 13, 2017 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing a vehicle
Replies: 22
Views: 3738

Leasing a vehicle

Hi, Which website/service do Bogleheads use when they are planning a new lease? I see there is Truecar and Carvoy with active deals and Edmunds with pricing information. We used Truecar in the past and was able to get a good deal. It didn't work in our 2nd time. Our 3rd lease is coming up in 2 month...
by Gamma Ray
Wed Aug 09, 2017 2:06 pm
Forum: Investing - Theory, News & General
Topic: 4% Rule has changed.....not
Replies: 80
Views: 9717

Re: 4% Rule has changed.....not

Does the video assume that a 70 year old keeps all their funds in stock market? Even at 50/50, that would be difficult to get hit with 20% decline, but from what I've seen, people in retirement keep no more than 20% in stocks. Aren't you supposed to be in income funds at that point and not worry abo...
by Gamma Ray
Thu Jul 20, 2017 3:47 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Question (adding Taxable investment)
Replies: 0
Views: 233

Portfolio Question (adding Taxable investment)

Emergency funds: Cash reserves Debt: Mortgage about $520k which pays itself with rent. No other debt. Tax Filing Status: Married Filing Jointly, 1 Child Tax Rate: 25% Federal, 8% State, 4% City State of Residence: NY Age: 36 Desired Asset allocation: 75% stocks / 25% bonds Desired International allo...
by Gamma Ray
Fri Jul 14, 2017 12:45 pm
Forum: Investing - Theory, News & General
Topic: Owning 3 Index funds vs ETFS ?
Replies: 24
Views: 2266

Re: Owning 3 Index funds vs ETFS ?

I use ETFs to tax gain harvest. That's interesting. Is this because you are young and poor (i.e. low marginal tax rate) and you want to increase your cost basis, taking your cap gains now (at lower marginal rates) to reduce the amount of future capital gains? Yes. While in graduate school I'll be i...
by Gamma Ray
Thu Jul 13, 2017 12:32 pm
Forum: Investing - Theory, News & General
Topic: Owning 3 Index funds vs ETFS ?
Replies: 24
Views: 2266

Re: Owning 3 Index funds vs ETFS ?

I am curious, I always hear the ability to sell ETFs mid-day for a quick action... What are some situations where you would want to make that quick change? It's not like an individual stock where you just got a phone call from someone saying XYZ company executive was just arrested, SELL ALL.. :| Yo...
by Gamma Ray
Thu Jul 13, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: Owning 3 Index funds vs ETFS ?
Replies: 24
Views: 2266

Re: Owning 3 Index funds vs ETFS ?

I am curious, I always hear the ability to sell ETFs mid-day for a quick action...
What are some situations where you would want to make that quick change? It's not like an individual stock where you just got a phone call from someone saying XYZ company executive was just arrested, SELL ALL.. :|
by Gamma Ray
Fri Jul 07, 2017 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Residential Home for $125K. Rent for $1,400 / mo.
Replies: 43
Views: 3402

Re: Residential Home for $125K. Rent for $1,400 / mo.

On the surface it would appear to be a good environment to invest in rentals. In my city, a house that rents for $1400 would sell for more like $200k. Here is a mortgage calculator that I love and use all the time. https://www.vertex42.com/Calculators/home-mortgage-calculator.html A good rule of th...
by Gamma Ray
Fri Jul 07, 2017 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Residential Home for $125K. Rent for $1,400 / mo.
Replies: 43
Views: 3402

Re: Residential Home for $125K. Rent for $1,400 / mo.

Rental Analysis: https://docs.google.com/spreadsheets/d/1V2lMgvZWJdrDaY5-Ew3xQfOZmk4eroVss602emFLzNI/edit?usp=sharing Yeah....I love my spreadsheet. Within seconds, I can vet a property and then test. I think I stole it from a guy at biggerpockets a few years ago. Thanks for the sheet, it gives a r...
by Gamma Ray
Fri Jul 07, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Residential Home for $125K. Rent for $1,400 / mo.
Replies: 43
Views: 3402

Re: Residential Home for $125K. Rent for $1,400 / mo.

Rental Analysis: https://docs.google.com/spreadsheets/d/1V2lMgvZWJdrDaY5-Ew3xQfOZmk4eroVss602emFLzNI/edit?usp=sharing Yeah....I love my spreadsheet. Within seconds, I can vet a property and then test. I think I stole it from a guy at biggerpockets a few years ago. Thanks for the sheet, it gives a r...
by Gamma Ray
Fri Jul 07, 2017 12:45 am
Forum: Personal Finance (Not Investing)
Topic: What are your health insurance stats?
Replies: 89
Views: 6924

Re: What are your health insurance stats?

Some of you guys have ridiculously low deductible and OOP max. I'm guessing you work for large corporations rather than a small business? Premium: $0 Deductible: $4500 Co-Insurance: 60% in network, 50% out of network OOP Max $6500 You are not too bad yourself, assuming that you have HSA set up? Is ...
by Gamma Ray
Thu Jul 06, 2017 12:23 am
Forum: Personal Finance (Not Investing)
Topic: What are your health insurance stats?
Replies: 89
Views: 6924

Re: What are your health insurance stats?

Gaming the heck out of Obamacare. Projected AGI 144% of Poverty Level (PL). Silver Plan with cost sharing. Premium: ~$50/month Deductible: $250/year Co-insurance: 10%, does not apply to prescriptions Max OOP: $600/year Carry forward capital losses are a wonderful thing. Have more than enough to car...
by Gamma Ray
Wed Jul 05, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: What are your health insurance stats?
Replies: 89
Views: 6924

Re: What are your health insurance stats?

Employer-based coverage, I would need a large raise to cover cost of benefits if I changed jobs (the reduction in straight premium cost to me with new employer from my previous employer was over $8,000, and I had worse coverage there). I am -very- aware of how lucky we are to have such great covera...
by Gamma Ray
Wed Jul 05, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: What are your health insurance stats?
Replies: 89
Views: 6924

Re: What are your health insurance stats?

I am not sure how much relevant this thread to anyone else because there are hundreds of insurance companies and even with their Gold/Platinum/etc tiered plans, nothing matches 1:1 My gold is not same as your Gold even for same insurance company in a different state. Does anyone know if the new law ...
by Gamma Ray
Wed Jul 05, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 54
Views: 6824

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

I was just thinking about this the other day. My wife has no idea where our money is, for the most part since I moved it around and ended up mostly on Ally, she knows about our Citibank since she has debit card, rest, she doesn't know the account numbers or particulars. I was thinking about writing ...