Search found 287 matches

by Sublime8700
Wed Jan 04, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: Avoiding Hacking / Responsible Steps To Take Online
Replies: 18
Views: 1841

Re: Avoiding Hacking / Responsible Steps To Take Online

Curious -- I own some domains that are "by proxy" on GoDaddy.com -- but there is some sort of "private option" which they are not. Here's what a sample looks like when I look it up on whois.net: My question is whether or not this is a security vulnerability in any way? Whois Serv...
by Sublime8700
Wed Jan 04, 2017 8:14 am
Forum: Investing - Theory, News & General
Topic: Cryptocurrency Hedge Funds (More Like VC Funds for Cryptocurrencies...)
Replies: 31
Views: 2384

Re: Cryptocurrency Hedge Funds (More Like VC Funds for Cryptocurrencies...)

I don't mean to promote or get validation -- but if anything it would be the latter. I'm just trying to think through my own thought process and hear some other perspectives (which you have actually provided). It's unfortunate that this thread was made in the middle of a bit of crypto-currency mania...
by Sublime8700
Wed Jan 04, 2017 6:56 am
Forum: Personal Consumer Issues
Topic: Avoiding Hacking / Responsible Steps To Take Online
Replies: 18
Views: 1841

Re: Avoiding Hacking / Responsible Steps To Take Online

Changing your passwords and having unique passwords is a must:

You can use this site to generate random 25 character (or more) passwords for every site and then store them with a password manager (such as Trezor -- which works on google -- or Yubikey) from Amazon.

Passwordgenerator.net
by Sublime8700
Wed Jan 04, 2017 5:54 am
Forum: Investing - Theory, News & General
Topic: Cryptocurrency Hedge Funds (More Like VC Funds for Cryptocurrencies...)
Replies: 31
Views: 2384

Re: Cryptocurrency Hedge Funds (More Like VC Funds for Cryptocurrencies...)

This is one of the reasons I think there is a significant value (if you want to be in the space at all) investing with Polychain Capital (for example) as the individual running it has been running risk management for / was the first employee of Coinbase for 3.5 years which is the largest US exchang...
by Sublime8700
Wed Jan 04, 2017 5:32 am
Forum: Investing - Theory, News & General
Topic: Cryptocurrency Hedge Funds (More Like VC Funds for Cryptocurrencies...)
Replies: 31
Views: 2384

Re: Cryptocurrency Hedge Funds (More Like VC Funds for Cryptocurrencies...)

One question I would have is if this area (the companies or the tokens themselves) are not really legitimate investments, I don't think we'd see the level of interest from the NYSE, Bank of Japan, Goldman Sachs, and pretty much every bank. (Not to mention the big name VC funds) The link in my previ...
by Sublime8700
Wed Jan 04, 2017 5:27 am
Forum: Personal Consumer Issues
Topic: Avoiding Hacking / Responsible Steps To Take Online
Replies: 18
Views: 1841

Avoiding Hacking / Responsible Steps To Take Online

Hi Guys - All the news over the past year + has made me more concerned about my online security. I think we all should be. Here is an article I was pointed to that seems quite good: https://medium.com/@yanda/protecting...t-a7e6e7cd21bb One of the suggestions is an ID Theft Protection company. The au...
by Sublime8700
Tue Dec 27, 2016 1:50 am
Forum: Investing - Theory, News & General
Topic: Cryptocurrency Hedge Funds (More Like VC Funds for Cryptocurrencies...)
Replies: 31
Views: 2384

Re: Cryptocurrency Hedge Funds (More Like VC Funds for Cryptocurrencies...)

Let's say it's 1974 or 1975 and you've read the article on Popular Electronics about the Altair and you have read about these new microprocessors and you think they're going to be big. And now, it's 1979 or 1980 and there are big fat magazines about the new technologies, and all these companies lik...
by Sublime8700
Mon Dec 26, 2016 10:05 pm
Forum: Investing - Theory, News & General
Topic: Cryptocurrency Hedge Funds (More Like VC Funds for Cryptocurrencies...)
Replies: 31
Views: 2384

Re: Cryptocurrency Hedge Funds (More Like VC Funds for Cryptocurrencies...)

Not sure if the patent comment was in jest, but this was an interesting article from last week: https://www.bloomberg.com/news/articles/2016-12-21/who-owns-blockchain-goldman-bofa-amass-patents-for-coming-wars No, it wasn't in jest. If the idea is that blockchain is an extraordinary valuable techno...
by Sublime8700
Mon Dec 26, 2016 9:10 pm
Forum: Investing - Theory, News & General
Topic: Cryptocurrency Hedge Funds (More Like VC Funds for Cryptocurrencies...)
Replies: 31
Views: 2384

Re: Cryptocurrency Hedge Funds (More Like VC Funds for Cryptocurrencies...)

Do you trade currencies? Do you think trading currencies is a productive long term investing strategy? Would we be discussing bitcoin if it was coming off a poor year? Smells like market timing to me. Please note that the question isn't about Bitcoin and whether to "buy Bitcoin" now. Thes...
by Sublime8700
Mon Dec 26, 2016 6:46 pm
Forum: Investing - Theory, News & General
Topic: Cryptocurrency Hedge Funds (More Like VC Funds for Cryptocurrencies...)
Replies: 31
Views: 2384

Re: Cryptocurrency Hedge Funds (More Like VC Funds for Cryptocurrencies...)

One question I would have is if this area (the companies or the tokens themselves) are not really legitimate investments, I don't think we'd see the level of interest from the NYSE, Bank of Japan, Goldman Sachs, and pretty much every bank. (Not to mention the big name VC funds) The link in my previo...
by Sublime8700
Mon Dec 26, 2016 4:03 am
Forum: Investing - Theory, News & General
Topic: Cryptocurrency Hedge Funds (More Like VC Funds for Cryptocurrencies...)
Replies: 31
Views: 2384

Cryptocurrency Hedge Funds (More Like VC Funds for Cryptocurrencies...)

I'm curious if anyone has considered investing in anything like the two funds mentioned here (Polychain Capital and/or Metastables) or has any thoughts in general. As a quick note: I do not believe these are "hedge funds" in any normal way -- I think they behave like VC firms picking 'coin...
by Sublime8700
Tue Nov 29, 2016 11:16 pm
Forum: Personal Consumer Issues
Topic: Selling a life insurance policy
Replies: 9
Views: 1095

Re: Selling a life insurance policy

Are there any quirky tax-related benefits or issues at play here? For example, might the premium payments be state or federal tax deductible? Is the payout at death ordinary income or LTCG? The only thing I can think of was it might reduce the value of the estate such that it wouldn't get taxed at d...
by Sublime8700
Wed Nov 23, 2016 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2723

Re: TLH CA Bond Funds?

Here's what Vanguard sent me (Admiral Rep) My colleague shared with me your conversation this morning, with regard to your question on our daily interest accrual funds, please see the following. All money market funds earn interest on a daily basis. Investors in traditional share classes of these Va...
by Sublime8700
Wed Nov 23, 2016 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2723

Re: TLH CA Bond Funds?

Thank you :)

And should it be a sale --> Money market -- > Wait

Or just a transfer from one fund to the next? I presume the latter?
by Sublime8700
Wed Nov 23, 2016 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2723

Re: TLH CA Bond Funds?

So if the date for bond funds doesn't matter much, is there any reason to not just TLH on November 25th and go directly from CA Long Term Tax Exempt into (same day transfer) Long Term Tax Exempt? I.E is there any reason to wait for bond funds until after the dividend has been paid to make the new pu...
by Sublime8700
Wed Nov 23, 2016 9:35 am
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2723

Re: TLH CA Bond Funds?

Would Vanguard just provide a master list if I called?

Thank you for the last suggestion, though.
by Sublime8700
Wed Nov 23, 2016 7:43 am
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2723

Re: TLH CA Bond Funds?

I read the prospectuses and searched for "daily" and "weekly" but wasn't sure I could determine what applied to the 3 funds I mentioned.

I figured people would know off-hand here as there are not that many tax-exempt funds.
by Sublime8700
Wed Nov 23, 2016 6:16 am
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2723

Re: TLH CA Bond Funds?

Having read the Wiki (and the footnotes) I'm frankly still not clear on which of my VG Muni Funds are not subject to the 6-month rule. They all pay dividends monthly -- how am I supposed to tell which ones accrue dividends daily? The ones I hold are intermediate term tax exempt, intermediate CA tax ...
by Sublime8700
Tue Nov 22, 2016 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2723

Re: TLH CA Bond Funds?

Would be really great to know which use #2 rule and automatically are avoiding the 6 month rule. This seems like it should come up more often?
by Sublime8700
Tue Nov 22, 2016 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2723

Re: TLH CA Bond Funds?

According to my CPA this was the second time he had this question in 17 years. I didn't think it was too complicated, but here was his answer. If it is less than 6 months and you've accrued tax exempt dividends (say 3 months at $100 each) and you have a $10,000 loss you would get a loss of $10,000 l...
by Sublime8700
Tue Nov 22, 2016 10:44 am
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2723

Re: TLH CA Bond Funds?

Thanks all.

Is there any reason to do this or not to do it now as opposed to on let's say December 3rd after a dividend has been paid for the month (all else being equal)

Thanks for the info re: muni TLH treatment
by Sublime8700
Tue Nov 22, 2016 3:07 am
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2723

Re: TLH CA Bond Funds?

last try - anyone got any insight here?

Thanks!
by Sublime8700
Mon Nov 21, 2016 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2723

Re: TLH CA Bond Funds?

Looks like we've got the same question :)
by Sublime8700
Mon Nov 21, 2016 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2723

Re: TLH CA Bond Funds?

Is there any reason to wait until the dividend is paid on the 30th?
by Sublime8700
Mon Nov 21, 2016 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2723

Re: TLH CA Bond Funds?

Anyone?
by Sublime8700
Mon Nov 21, 2016 6:33 am
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2723

TLH CA Bond Funds?

Hi All - I was wondering if there was any good reason NOT to tax-loss harvest some bonds held in taxable. Vanguard California Intermediate-Term Tax-Exempt Fund Admiral Shares - $3,500 loss VCLAX Vanguard California Long-Term Tax-Exempt Fund Admiral Shares - $7,750 loss Vanguard Intermediate-Term Tax...
by Sublime8700
Wed Oct 19, 2016 3:34 am
Forum: Personal Finance (Not Investing)
Topic: Bank Account in EUR / GBP in America :)
Replies: 1
Views: 266

Bank Account in EUR / GBP in America :)

Hi All -

I need to open up a bank account in the US in EUR and possibly GBP. Does anyone have any experiences? I have heard HSBC is one option -- but looking for any other alternatives.

Thanks in advance!
by Sublime8700
Wed Oct 19, 2016 3:06 am
Forum: Investing - Help with Personal Investments
Topic: Brazilian Citizen Investing - Wish to Limit Credit / Currency Risk
Replies: 6
Views: 460

Re: Brazilian Citizen Investing - Wish to Limit Credit / Currency Risk

As I don't feel qualified to dispense this type of financial advice, can anyone recommend a good individual/group or even type of person that I could search for that would sit down with me and my sister in law and go over these options? E.G a specialist in this area who is reasonable (perhaps not Bo...
by Sublime8700
Tue Oct 18, 2016 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Brazilian Citizen Investing - Wish to Limit Credit / Currency Risk
Replies: 6
Views: 460

Brazilian Citizen Investing - Wish to Limit Credit / Currency Risk

Hi All - I would like to figure out some resources to read or perhaps individuals to talk to in order to understand how to best invest as a citizen of Brazil with about $500,000-$1,000,000. I am trying to understand the basics for a close family member so that they do not squander an inheritance the...
by Sublime8700
Sun Oct 02, 2016 12:33 am
Forum: Investing - Help with Personal Investments
Topic: Finding the Right Mortgage Broker
Replies: 5
Views: 541

Re: Finding the Right Mortgage Broker

Does anyone have any experience with Better.com (I've heard it's good -- but only operates in California and perhaps one other state...)
by Sublime8700
Sat Oct 01, 2016 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Finding the Right Mortgage Broker
Replies: 5
Views: 541

Re: Finding the Right Mortgage Broker

Thank you for your response. I think it is less straightforward than simply avoid a good mortgage broker at all costs -- but again, I'm new at the process.
by Sublime8700
Fri Sep 30, 2016 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Finding the Right Mortgage Broker
Replies: 5
Views: 541

Re: Finding the Right Mortgage Broker

Thank you. Other ideas welcome. One of the reasons I wanted to at least use a broker to begin with is to get a sense of the different variables so I can identify what I did and did not understand.

Are there any requirements for being able to join Pen Fed?

Other thoughts welcome!
by Sublime8700
Fri Sep 30, 2016 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Finding the Right Mortgage Broker
Replies: 5
Views: 541

Finding the Right Mortgage Broker

Hi All - I'm a first time potential home buyer learning all of the ins and outs of the process. I would like to find one or two really high quality mortgage brokers in the southern california / LA area who might be able to help. Does anyone have any resources for finding a really honest, knowledgabl...
by Sublime8700
Mon Aug 22, 2016 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: VC Fund - Long Term Cap Gain - Avoiding Large Cap Gain
Replies: 10
Views: 742

Re: VC Fund - Long Term Cap Gain - Avoiding Large Cap Gain

Presumably there is a way to essentially offset the risk of holding the security with options etc. but that would be relatively complicated. The idea would be that it would result in me being long the stock and short the derivative so I wouldn't have any actual exposure to the stock. This seems comp...
by Sublime8700
Mon Aug 22, 2016 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: VC Fund - Long Term Cap Gain - Avoiding Large Cap Gain
Replies: 10
Views: 742

Re: VC Fund - Long Term Cap Gain - Avoiding Large Cap Gain

I suppose the risk of holding an individual security is outweighed by the reward of holding it until death at which point successors would be entitled to a stepped up cost basis? My understand of that is that if the security had a basis of $5 now and was trading at $50 and i didn't do anything and d...
by Sublime8700
Mon Aug 22, 2016 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: VC Fund - Long Term Cap Gain - Avoiding Large Cap Gain
Replies: 10
Views: 742

VC Fund - Long Term Cap Gain - Avoiding Large Cap Gain

Hi All - I'll be a bit vague here on the details as I don't think they matter: I was fortunate to invest in a venture capital fund that had a holding it had invested in IPO and. When the lock-up period ends the the shared are distributed there will be a very large capital gain for me as investor. On...
by Sublime8700
Tue Aug 02, 2016 12:23 am
Forum: Investing - Help with Personal Investments
Topic: Tax Planning and Angel/VC Investments
Replies: 1
Views: 252

Tax Planning and Angel/VC Investments

Against the better judgment of this forum (and all I have learned from so many of you) I have made my first Angel Investment. Now I'm trying to figure out how to make it as tax efficient as possible. A few articles that piqued my interest: 1. http://www.forbes.com/sites/edwardzimmerman/2016/07/18/gi...
by Sublime8700
Tue Aug 02, 2016 12:06 am
Forum: Investing - Help with Personal Investments
Topic: CA Long-Term Munis v CA Interm. Term Munis ?
Replies: 4
Views: 533

Re: CA Long-Term Munis v CA Interm. Term Munis ?

So in sum, the mechanics are such that there is really a very limited difference in duration and it probably wouldn't make much difference (risk or reward) to go out to Long Term CA instead of Intermediate Term... a slightly higher risk and a slightly higher reward but nothing particularly notable?
by Sublime8700
Mon Aug 01, 2016 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: CA Long-Term Munis v CA Interm. Term Munis ?
Replies: 4
Views: 533

CA Long-Term Munis v CA Interm. Term Munis ?

Hi All - In my fixed income portion of my portfolio I have split the space in my tax advantaged space between VG TIPS and VP Total Bond Market. In my taxable account, I currently have split my allocation to between California Intermediate Term Tax Exempt And Intermediate Term Tax Exempt (Federal) as...
by Sublime8700
Fri Jul 15, 2016 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding Inheriting Parents' Financial Mess / Debts
Replies: 35
Views: 3387

Re: Avoiding Inheriting Parents' Financial Mess / Debts

So it turns out this isn't as cut and dry (at least on the ancillary issues) as "he doesn't have to worry..." If he was to seek out a lawyer to really hit the high points of this for him in a succinct manner what would it be? Bankruptcy? Probate? Estate? (I doubt) Seems like once I show hi...
by Sublime8700
Fri Jul 15, 2016 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding Inheriting Parents' Financial Mess / Debts
Replies: 35
Views: 3387

Re: Avoiding Inheriting Parents' Financial Mess / Debts

If your friend is the one with the problem, shouldn't he come here and ask and answer some questions. Maybe he needs to grow up and take some action on his own families behalf? There are many nice people here, good luck to him. I understand where this sentiment comes from. But keep in mind my frien...
by Sublime8700
Fri Jul 15, 2016 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding Inheriting Parents' Financial Mess / Debts
Replies: 35
Views: 3387

Re: Avoiding Inheriting Parents' Financial Mess / Debts

I guess one good question might be whether there are any ways to protect the assets of the the deceased -- particularly a home -- so that the children would maybe be able to maintain a home that has been in the family for 50+ years...? Probably a reach but people seem to know their stuff on here as ...
by Sublime8700
Fri Jul 15, 2016 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding Inheriting Parents' Financial Mess / Debts
Replies: 35
Views: 3387

Re: Avoiding Inheriting Parents' Financial Mess / Debts

Thanks, All. I appreciate it.

I'm just trying to help in an ugly situation (there are health issues involved etc)

I really am grateful for all of your time.
by Sublime8700
Fri Jul 15, 2016 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding Inheriting Parents' Financial Mess / Debts
Replies: 35
Views: 3387

Re: Avoiding Inheriting Parents' Financial Mess / Debts

I do think there are private school loans (dating back 15 years to middle and high-school) -- does that pose a problem (presuming he did not co-sign on anything)

Harry
by Sublime8700
Fri Jul 15, 2016 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding Inheriting Parents' Financial Mess / Debts
Replies: 35
Views: 3387

Re: Avoiding Inheriting Parents' Financial Mess / Debts

US From what I have read the most complicated issue is a home that is underwater... and my understanding is that there are multiple mortgages against a home. But really, I've just done some basic research for my friend. As he doesn't have the funds to go and meet with a bankruptcy or probate lawyer ...
by Sublime8700
Fri Jul 15, 2016 6:41 am
Forum: Investing - Help with Personal Investments
Topic: Adding Vanguard High Yield Tax Exempt Fund?
Replies: 13
Views: 1703

Re: Adding Vanguard High Yield Tax Exempt Fund?

Grabineer -- your suggestion re: 50% CA Long-Term Munis and 50% Limited Term Tax Exempt seems to be a bit of a better solution than achieving an intermediate duration by pairing CA intermediate term and Intermediate Term Tax Exempt. I guess the only thing I might say is that I can handle the risk of...
by Sublime8700
Fri Jul 15, 2016 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding Inheriting Parents' Financial Mess / Debts
Replies: 35
Views: 3387

Avoiding Inheriting Parents' Financial Mess / Debts

Hi All - This is for a close friend who is going through a difficult time. To make a long story short, my friend is ~ 30 years old (struggling actor) and has just found out that his aging parents have made incredibly reckless financial decisions over the last 20-25 years which have resulting in them...

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