Search found 429 matches

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: 4844

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: 4844

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: 4844

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: 671

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: 671

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: 671

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: 3240

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: 3240

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: Two- Factor Authentication at Vanguard - Update
Replies: 41
Views: 9066

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: Two- Factor Authentication at Vanguard - Update
Replies: 41
Views: 9066

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: 1490

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: 1490

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: 1490

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: 1490

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: 6359

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: 6359

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: 1743

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: 689

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: 689

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: 1743

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: 2916

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: 1808

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: 1808

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: 2916

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: 2916

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: 2916

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: 1205

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: 1205

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: 1205

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: 555

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: 555

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: 5854

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: 6510

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: 4316

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: 47
Views: 4844

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: 47
Views: 4844

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: 47
Views: 4844

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: 47
Views: 4844

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: 1690

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: 1690

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: 25
Views: 4428

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: 25
Views: 4428

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: 25
Views: 4428

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: 25
Views: 4428

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: 25
Views: 4428

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: 25
Views: 4428

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: 10229

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: 266

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: 2363

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...