Search found 458 matches

by Gamma Ray
Wed Nov 14, 2018 3:26 pm
Forum: Investing - Theory, News & General
Topic: Is there CD funds in VG to be used for IRA's?
Replies: 19
Views: 1675

Re: Is there CD funds in VG to be used for IRA's?

Great rates because the corporate bonds are more risky. The CDs are backed by the FDIC (up to $250,000 per bank, as mentioned up-thread by csurtman). Are you feeling lucky? I wouldn't buy corporate bonds for fixed income because I want maximum safety, either through US Treasury bonds or FDIC backed...
by Gamma Ray
Mon Nov 12, 2018 5:46 pm
Forum: Investing - Theory, News & General
Topic: Is there CD funds in VG to be used for IRA's?
Replies: 19
Views: 1675

Re: Is there CD funds in VG to be used for IRA's?

Thanks for the answers, so just to be sure, if I select a bond or CD and buy it under my Traditional IRA, if it says 3.5% with 5 years, if I don't sell/exchange it before maturity, it guarantees 3.5%, as long as that company doesn't bankrupt, right? I see some municipal bonds and BBB rated bonds tha...
by Gamma Ray
Thu Nov 08, 2018 2:26 pm
Forum: Investing - Theory, News & General
Topic: Is there CD funds in VG to be used for IRA's?
Replies: 19
Views: 1675

Re: Is there CD funds in VG to be used for IRA's?

Note that brokered CD's will act like bonds in that they will lose value if interest rates go up. So, you may want to plan on holding the brokered CD's to maturity. Good point, yes I am aware of this, since it will be in IRA, I plan to leave it in there until maturity. I own brokered CDs in my IRAs...
by Gamma Ray
Tue Nov 06, 2018 1:18 am
Forum: Investing - Theory, News & General
Topic: Is there CD funds in VG to be used for IRA's?
Replies: 19
Views: 1675

Is there CD funds in VG to be used for IRA's?

I was wondering instead of trying to keep funds in Bonds, can we move some of it to CDs in IRA's and if VG offers any CD funds? Currently I am seeing CD APYs in mid 2's to 3's, but if I keep my cash in CDs the taxes will be high.
by Gamma Ray
Thu Oct 25, 2018 12:38 am
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting question
Replies: 20
Views: 1873

Re: Tax loss harvesting question

Hi Livesoft,
The VOO shares I bought last week are down another $1200.
Can I sell the VOO I bought 7 days ago (source of funds was the sale of VTI at loss 1 week ago) and buy VV (or anything else) today to realize another $1200 loss?
by Gamma Ray
Wed Oct 24, 2018 2:23 pm
Forum: Investing - Theory, News & General
Topic: Do you use mobile apps to assist with your investments?
Replies: 27
Views: 2348

Re: Do you use mobile apps to assist with your investments?

However, even though I'm personally not interested in alerts, your response above made me curious. After some searching I realize that apparently, someone who is determined can indeed configure their spreadsheets to send them alerts based on cell values. I have not attempted to test this and can't ...
by Gamma Ray
Wed Oct 24, 2018 2:17 pm
Forum: Investing - Theory, News & General
Topic: Do you use mobile apps to assist with your investments?
Replies: 27
Views: 2348

Re: Do you use mobile apps to assist with your investments?

Maybe I am just making a big deal out of Tax Loss Harvesting but that was the main reason I started looking into a tool to help me watch the losses/drops. BH community insists that TLH is a great opportunity to reduce the taxes now especially for long term investments by taking advantage of TLH. If...
by Gamma Ray
Tue Oct 23, 2018 2:28 pm
Forum: Investing - Theory, News & General
Topic: Do you use mobile apps to assist with your investments?
Replies: 27
Views: 2348

Re: Do you use mobile apps to assist with your investments?

Most companies provide the ability to send alerts. Why have an app too? I don't see an option to notify by email in VG control panel. Is there one? Type "Alerts" in the search box and it will take you to setting up securities alerts as well as other alerts. I can't seem to get past "Add a security ...
by Gamma Ray
Tue Oct 23, 2018 10:36 am
Forum: Investing - Theory, News & General
Topic: Do you use mobile apps to assist with your investments?
Replies: 27
Views: 2348

Re: Do you use mobile apps to assist with your investments?

1) So far, I have resisted temptations and pressure to put anything on my mobile device that is capable of making financial transactions. That seems to me to add an important amount of additional risk if my device is lost. Physical access is one of the primary issues with security. I'm willing to a...
by Gamma Ray
Mon Oct 22, 2018 12:46 am
Forum: Investing - Theory, News & General
Topic: Do you use mobile apps to assist with your investments?
Replies: 27
Views: 2348

Re: Do you use mobile apps to assist with your investments?

Rather than an app, I use a Google Spreadsheet to tell me such things. The first sheet lists my target and actual percentage allocations to the various asset classes that are art of my investment plan. It pulls the amounts from the second sheet that lists all my funds and updates the balances accor...
by Gamma Ray
Sat Oct 20, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: Do you use mobile apps to assist with your investments?
Replies: 27
Views: 2348

Do you use mobile apps to assist with your investments?

I am thinking about using an app that tells me when a stock or fund hits certain numbers (up or down) or remind me to harvest my losses when my fund/etf is down for X amount. These two would probably be most useful aspects of an app that can send notification. Sure there are websites but most of the...
by Gamma Ray
Fri Oct 19, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting question
Replies: 20
Views: 1873

Re: Tax loss harvesting question

Hi Livesoft, I wanted to see if there was more drop by going into sell screen, and checking what happens if we try to sell end of next day; I noticed VG will not allow us to sell until it's after T+2 anyway. The funds don't show up as available in Sell interaction screen. So it seems like we can't s...
by Gamma Ray
Thu Oct 18, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting question
Replies: 20
Views: 1873

Re: Tax loss harvesting question

I've commented on BLUE below. Thank you so much for this other great example. I will make sure not to sell less than T+2 to avoid running into violation. While that will work to avoid into running into a free-riding violation, I think it is OK to sell in less than T+2 as I noted, but the cash canno...
by Gamma Ray
Wed Oct 17, 2018 11:56 pm
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting question
Replies: 20
Views: 1873

Re: Tax loss harvesting question

Edit: Looks like VG also warns you not to sell the funds you just bought before they settled. Thank you Livesoft for the reminder. Please be aware that you are using unsettled funds for this purchase. It is considered a trade violation under Federal Reserve Regulation T when unsettled funds are used...
by Gamma Ray
Wed Oct 17, 2018 12:46 pm
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting question
Replies: 20
Views: 1873

Re: Tax loss harvesting question

Thank you, since this was new money (not TLH sourced purchase) I can sell it whenever there are losses and buy something else; How about if I sell this VTI at a loss, buy VV (for example) and VV loses another $600 tomorrow in one day, Can I sell VV and buy something else and then have another $600 t...
by Gamma Ray
Tue Oct 16, 2018 6:42 pm
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting question
Replies: 20
Views: 1873

Re: Tax loss harvesting question

You can sell at a loss now. There's no minimum holding time to book a loss. You could buy VOO in the morning, watch it crash during the day, and sell it at a loss before the market closes. As long as you don't hold replacement stock bought within the 61 day wash sale period, you can claim the loss;...
by Gamma Ray
Tue Oct 16, 2018 12:43 am
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting question
Replies: 20
Views: 1873

Tax loss harvesting question

Hi everyone, market is down enough that I can get a bit more tax losses harvested again. On 9/19 I bought VOO Today 10/17, VOO is down, can I sell it and get VTI, or do I have to keep it 30 days before I can sell? I did TLH once earlier this year by selling VTI and getting VOO but I think that was b...
by Gamma Ray
Mon Oct 08, 2018 2:59 pm
Forum: Investing - Theory, News & General
Topic: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?
Replies: 42
Views: 2872

Re: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?

I saw a survey in which the majority of people answered yes to the question: 'Are you concerned a deep recession will hit stocks next year?' (at the end of this article) https://www.cnbc.com/2018/10/05/ron-paul-us-barreling-towards-a-recession-and-theres-no-escape.html Does that become a self fulfi...
by Gamma Ray
Sun Sep 30, 2018 11:30 pm
Forum: Investing - Theory, News & General
Topic: Paying expenses out of pocket in tax-advantaged accounts?
Replies: 11
Views: 1304

Re: Paying expenses out of pocket in tax-advantaged accounts?

I don't know how much it can impact someone's portfolio performance but even some VG funds have 0.30 - 0.45% ER. I was wondering if those could be paid by billing the investor so that expenses are not taken out of contributions. It was not clear to me how the ER's are taken out of the accounts. I gu...
by Gamma Ray
Sat Sep 29, 2018 7:27 pm
Forum: Investing - Theory, News & General
Topic: Paying expenses out of pocket in tax-advantaged accounts?
Replies: 11
Views: 1304

Paying expenses out of pocket in tax-advantaged accounts?

Is it possible to pay expenses out of pocket on our IRA's so that expenses are not taken out of our contribution/growth?
by Gamma Ray
Mon Sep 24, 2018 12:25 am
Forum: Personal Consumer Issues
Topic: Letter from Signator Investors
Replies: 2
Views: 545

Re: Letter from Signator Investors

Thank you, I checked with management, they said this is related to the consultant company who is managing our SIMPLE IRA at Oppenheimer.
by Gamma Ray
Fri Sep 21, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Letter from Signator Investors
Replies: 2
Views: 545

Letter from Signator Investors

Hi, I received a letter from Signator Investors at my Home address, addressed to the Company I work for (not personally to my name). It's a notice about accounts being transferred to Royal Alliance. Is anyone familiar with this? Our company has SIMPLE IRA at Oppenheimer but all my personal stuff is ...
by Gamma Ray
Wed Sep 12, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: Website to analyze investment portfolios?
Replies: 5
Views: 792

Re: Website to analyze investment portfolios?

Thanks for the replies, these all come very close to the website/tool that I've seen, but they are not really it. Also Personal Capitol seems very pushy, they already emailed me twice about setting up accounts/advisors programs and other promos. It is also asking me to link my bank/brokerage account...
by Gamma Ray
Wed Sep 12, 2018 10:26 am
Forum: Investing - Theory, News & General
Topic: Investing for nieces/nephew outside of 529
Replies: 11
Views: 1053

Re: Investing for nieces/nephew outside of 529

Just remember that 529 can also be used for K-12 - including private high school education expenses now and you can also switch from one nephew to another, or they can pass to their kids.
by Gamma Ray
Sun Sep 09, 2018 6:23 pm
Forum: Investing - Theory, News & General
Topic: Website to analyze investment portfolios?
Replies: 5
Views: 792

Website to analyze investment portfolios?

Sorry if this was discussed, in fact I recall this being discussed in a thread I just can't find. There was a link to a website where you could put your portfolio details and it would tell you how much is international, your risk rating, industries invested in, etc. It wasn't really a part of large ...
by Gamma Ray
Sun Sep 09, 2018 5:10 pm
Forum: Investing - Theory, News & General
Topic: Investing for nieces/nephew outside of 529
Replies: 11
Views: 1053

Re: Investing for nieces/nephew outside of 529

We have a taxable brokerage account to which we make monthly contributions for a nephew. It's invested in a vanguard lifestrategy fund. It offers no tax advantage, but we like that it is still our money with no restrictions on use. We think of it as "earmarked" for him (he doesn't know about it) bu...
by Gamma Ray
Sun Sep 09, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth getting BA after 16 years? Or should I go for certificate programs?
Replies: 10
Views: 1232

Re: Is it worth getting BA after 16 years? Or should I go for certificate programs?

Thanks for all the replies, I've been checking with some schools and while it's likely that most of my credits will transfer, there is a big gap so there might be some courses I would have to take in addition to normal 2-year BA program. My main purpose to consider this is not just advancement in wo...
by Gamma Ray
Sun Aug 05, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth getting BA after 16 years? Or should I go for certificate programs?
Replies: 10
Views: 1232

Is it worth getting BA after 16 years? Or should I go for certificate programs?

I graduated form community college in NY 16 years ago and received my AAS degree. I have been considering getting BA, not just for the degree but also to keep up to date and educate myself to stay competitive. Or instead of pursuing BA, should I just go for certificate program in my field? I suppose...
by Gamma Ray
Wed Jun 13, 2018 11:24 pm
Forum: Investing - Theory, News & General
Topic: How and when do you decide to do Tax Loss Harvesting?
Replies: 47
Views: 5454

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

wootwoot wrote:
Wed Jun 13, 2018 8:57 pm
I don't decide when to TLH, my roboadvisor does :D

Who do you invest with? Betterment?
by Gamma Ray
Mon Jun 11, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: How and when do you decide to do Tax Loss Harvesting?
Replies: 47
Views: 5454

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

There is no problem here. If you sell Total Market and buy Balanced Fund anywhere, for example, there is no wash sale, even if it's in the same taxable account. In your case, you're even further removed. Thanks. So my purchase of a balanced fund with VG does not really involve individual purchases ...
by Gamma Ray
Mon Jun 11, 2018 1:11 am
Forum: Investing - Theory, News & General
Topic: How and when do you decide to do Tax Loss Harvesting?
Replies: 47
Views: 5454

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

I just realized we may have a wash sale problem if we don't cross check our retirement portfolio and funds while harvesting losses in taxable accounts. Does anyone know if TLH triggers wash sale if the TAXABLE account fund we sell at a loss is a part of our Target Fund in our retirement account and ...
by Gamma Ray
Fri Jun 08, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: How do you set up automatic investment in to VG ETFs?
Replies: 7
Views: 749

Re: How do you set up automatic investment in to VG ETFs?

Thanks, I'll start with a small account to see how it works. I didn't want to create more funds than needed but if I it's the only way to get auto invest to work, I'll do it.

I still have to evaluate how much I can save and review my portfolio.
by Gamma Ray
Fri Jun 08, 2018 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: How do you set up automatic investment in to VG ETFs?
Replies: 7
Views: 749

Re: How do you set up automatic investment in to VG ETFs?

It's only giving me option to fund the Vanguard Federal Money Market Fund (Settlement fund) via auto investments. This is taxable account. Once I set this, can I set up another auto investment from Settlement Fund into the ETF, VOO for example to be done 1 day after auto investment/transfer from my...
by Gamma Ray
Thu Jun 07, 2018 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: How do you set up automatic investment in to VG ETFs?
Replies: 7
Views: 749

How do you set up automatic investment in to VG ETFs?

It's only giving me option to fund the Vanguard Federal Money Market Fund (Settlement fund) via auto investments. This is taxable account. Once I set this, can I set up another auto investment from Settlement Fund into the ETF, VOO for example to be done 1 day after auto investment/transfer from my ...
by Gamma Ray
Wed Jun 06, 2018 1:45 pm
Forum: Investing - Theory, News & General
Topic: WSJ:Social Security Expected to Dip Into Its Reserves This Year
Replies: 61
Views: 3547

Re: Social Security crossover point has arrived

My plan assumes no social security benefit at all. I would never trust the Government in any way shape or form and that extends to TIPs. That is why my hopeful expenses multiple is 75x. Though I would settle on 65-70x if need be. The lowest I was willing to go is 1.5% withdraw rate(65X). As for med...
by Gamma Ray
Wed Jun 06, 2018 1:43 pm
Forum: Investing - Theory, News & General
Topic: WSJ:Social Security Expected to Dip Into Its Reserves This Year
Replies: 61
Views: 3547

Re: Social Security crossover point has arrived

At $7900 limit (forgot the exact limit) regardless of income is the first thing they should fix.
Person who makes 1M and person who makes 125K both pay about the same amount to SS. That makes no sense to me.
by Gamma Ray
Tue May 15, 2018 1:03 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 13931

Re: Two- Factor Authentication at Vanguard - Update

Is vanguard even considering 2FA compatible with an authenticator app? SMS or email 2FA is useless if your computer is compromised. Vanguard already supports hardware token based auth and U2A I believe. No reason to prioritize a TOTP authenticator app on top of that which would be technically less ...
by Gamma Ray
Mon May 14, 2018 12:06 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 13931

Re: Two- Factor Authentication at Vanguard - Update

I thought Vanguard did NOT allow smartphone based 2FA Do they now have phone based 2FA application similar to Fidelity? Instead of using an app they send a text message. One could receive it on a device other than a smartphone. PJW Is vanguard even considering 2FA compatible with an authenticator a...
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: 1602

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: 1602

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: 1602

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: 1602

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: 6812

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: 6812

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: 12
Views: 3275

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: 732

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: 732

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: 12
Views: 3275

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: 3084

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...