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Gamma Ray

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 ...

Gamma Ray

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 ab...

Gamma Ray

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...

Gamma Ray

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...

Gamma Ray

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

Who do you invest with? Betterment?

Gamma Ray

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 ...

Gamma Ray

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 ...

Gamma Ray

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.

Gamma Ray

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...

Gamma Ray

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 ...

Gamma Ray

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...

Gamma Ray

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.

Gamma Ray

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 ...

Gamma Ray

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...

Gamma Ray

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...

Gamma Ray

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 ...

Gamma Ray

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...

Gamma Ray

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 simila...

Gamma Ray

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 ...

Gamma Ray

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...

Gamma Ray

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...

Gamma Ray

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 ...

Gamma Ray

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 elimin...

Gamma Ray

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...

Gamma Ray

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...

Gamma Ray

Apologize, the one must. The master accepts the apologies, one hopes.

Gamma Ray

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...

Gamma Ray

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 ...

Gamma Ray

Sorry - Doublepost by mistake

Gamma Ray

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...

Gamma Ray

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...

Gamma Ray

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 ...

Gamma Ray

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?

Gamma Ray

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...

Gamma Ray

Thank you fiveK.

Gamma Ray

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.

Gamma Ray

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...

Gamma Ray

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?

Gamma Ray

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..

Gamma Ray

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...

Gamma Ray

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...

Gamma Ray

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...

Gamma Ray

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...

Gamma Ray

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...

Gamma Ray

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...

Gamma Ray

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...

Gamma Ray

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...

Gamma Ray

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...

Gamma Ray

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; Bee...

Gamma Ray

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...

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