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Re: Portfolio Review - Now With Employer Stock Options

I will take the unvested stock options out of my AA analysis. The result is that the vested options are only 13% of my entire portfolio. Is your answer still to exercise and sell? Any single stock has risks. In your case the stock is also tied to your job adding more risk. If you insist on holding ...
by ChupaChups
Mon Nov 03, 2014 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Now With Employer Stock Options
Replies: 4
Views: 571

Re: Portfolio Review - Now With Employer Stock Options

Thank you very much for your responses. Please see my comments and I hope you could answer some follow up questions I have. 1. For my AA, should I take into account the unvested portion of employer stock options if I plan to stay at my job until I am fully vested? No. You have no control over the un...
by ChupaChups
Mon Nov 03, 2014 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Now With Employer Stock Options
Replies: 4
Views: 571

Portfolio Review - Now With Employer Stock Options

Hi Everyone, I've been tracking my portfolio in Excel and monitoring my asset allocation throughout the months. My desired stock/bond allocation is 75%/25% (although this is up for debate) and I rebalanced earlier this year to achieve that. However, a quarter of my employer granted non-qualified sto...
by ChupaChups
Fri Oct 31, 2014 4:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Now With Employer Stock Options
Replies: 4
Views: 571

The Calculus of DIY

The Narrow : Sunday night, as I was driving my Father-in-Law's van and backing up with the steering wheel turned (in an effort to park in Manhattan), I scraped the (1) front right bumper, (2) quarter panel and (3) front section of the door against a metal post close to a fire hydrant. It was not a ...
by ChupaChups
Tue Sep 09, 2014 2:20 pm
 
Forum: Personal Consumer Issues
Topic: The Calculus of DIY
Replies: 9
Views: 1219

Re: Would you ask for diminish value (diminution of value) h

When I talked to the dealer (in person) they basically told me to look up the value of comparable used cars and take 10% off. There was no formal appraisal in my case. My repair bill was 7k, all superficial damage and I couldn't tell there had been any work done afterwards. You may also want to che...
by ChupaChups
Fri Aug 15, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Would you ask for diminish value (diminution of value) here?
Replies: 10
Views: 490

Re: Would you ask for diminish value (diminution of value) h

Depends on the amount of damage and the specific laws regarding diminished value in NJ. Anything less than 2k will not show in in a carfax and isn't worth fretting over. Anything over that and it would be worth perusing depending on state laws. Is $2k the repair bill? I just got the estimate and it...
by ChupaChups
Fri Aug 15, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Would you ask for diminish value (diminution of value) here?
Replies: 10
Views: 490

Re: Would you ask for diminish value (diminution of value) h

Thanks for both of your input. Could you clarify what you mean by pre- and post- accident? Did you bring it to the dealer while there was damage or after it was fixed? Thanks again. Take it to a Toyota dealer and ask them for a valuation pre- and post-accident. This happened to me, and the dealer in...
by ChupaChups
Fri Aug 15, 2014 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Would you ask for diminish value (diminution of value) here?
Replies: 10
Views: 490

Would you ask for diminish value (diminution of value) here?

On my commute last Monday, I was t-boned in the rear driver's side by another car who took a gamble to cross the intersection when he couldn't see me coming; his view was obstructed by traffic waiting for a traffic light. Anyway, police report comes back and there is no question that it was the othe...
by ChupaChups
Fri Aug 15, 2014 9:35 am
 
Forum: Personal Consumer Issues
Topic: Would you ask for diminish value (diminution of value) here?
Replies: 10
Views: 490

Re: With Rates Likes These, Why Would Anyone Go for a Mortga

Thanks for all the responses. This product allows for 80% LTV which is the same, if not better, than traditional mortgages. One of the points made by the banker pitching the product was that the prime rate hasn't moved for several years (since 2009 from this chart: http://www.moneycafe.com/personal-...
by ChupaChups
Wed Jul 30, 2014 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: With Rates Likes These, Why Would Anyone Go for a Mortgage?
Replies: 12
Views: 2930

With Rates Likes These, Why Would Anyone Go for a Mortgage?

HI Everyone, Earlier this month, we paid cash to buy a house that needs tender loving care. Since that time, we have been engaging contractors and architects for quotes to fix up the place/expansion options. Because we used up most of our savings, we are looking to finance the renovations with a ban...
by ChupaChups
Tue Jul 29, 2014 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: With Rates Likes These, Why Would Anyone Go for a Mortgage?
Replies: 12
Views: 2930

Re: Plans Regarding Home Purchase

Are you planning on doing most or part of the work yourself? Living in a construction zone is really no fun, especially with kids, worse with younger kids that are at the age of your kids. Working and renovating with a house full of stuff is no fun and will cost you more of your time and or the con...
by ChupaChups
Tue Jul 08, 2014 8:20 am
 
Forum: Personal Consumer Issues
Topic: Plans Regarding Home Purchase
Replies: 5
Views: 643

Re: Plans Regarding Home Purchase

Also check with your home insurance folks. If you leave a home "vacant" (meaning more than "just gone for vacation", but I don't know how many days qualifies), that will affect the insurance coverage, as there is more risk of damage from unnoticed water leakage/etc., or someone ...
by ChupaChups
Tue Jul 08, 2014 7:39 am
 
Forum: Personal Consumer Issues
Topic: Plans Regarding Home Purchase
Replies: 5
Views: 643

Plans Regarding Home Purchase

Hi, I am looking for feedback on our plans for an existing single-family home that we are closing on this Friday. Background is we currently live in a townhouse in a town that offers a full day kindergarten. However, the town in which we are buying does not have a full-day kindergarten. Our plan is ...
by ChupaChups
Mon Jul 07, 2014 11:53 am
 
Forum: Personal Consumer Issues
Topic: Plans Regarding Home Purchase
Replies: 5
Views: 643

Re: One-Year Followup - Help with AA and rebalancing

3. More on the 529, the adviser estimated that I will need approximately $390K in the plan to be adequately funded for when my older one (currently 5 y.o.) starts college. The suggestion was to put the maximum $14,000 each year for each child. I had planned on putting in $5,000 for each child each ...
by ChupaChups
Mon Dec 30, 2013 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA, rebalancing and deloyment of new cash
Replies: 23
Views: 1735

One-Year Followup - Help with AA and rebalancing

OP here again wanting to update the thread and eliciting any helpful suggestions for improving my portfolio. Portfolio size at the beginning of the year was approximately $450K; As of today, size is approximately $680K. This is a result of adding $75K to my taxable Vanguard account, maxing out Husba...
by ChupaChups
Sun Dec 29, 2013 8:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA, rebalancing and deloyment of new cash
Replies: 23
Views: 1735

Re: Would you buy a house with mold in the basement?

I'd get a third party estimate on the remediation cost to get rid of the mold and would not blindly accept the Realtor's good faith estimate. Mold is all around us all the time, everywhere we go for the most part, and is generally harmless. In this case you need more info before jumping in with bot...
by ChupaChups
Thu Jan 31, 2013 2:32 pm
 
Forum: Personal Consumer Issues
Topic: Would you buy a house with mold in the basement?
Replies: 23
Views: 2788

Would you buy a house with mold in the basement?

We've been looking for a house in a better school district for our children, 4 and 2. We came upon a short sale listing in MLS and noticed how the price of this house ($800K) was significantly "undervalued" to its Zillow estimate ($1.5MM). The listing has been on the market for a few years...
by ChupaChups
Thu Jan 31, 2013 1:53 pm
 
Forum: Personal Consumer Issues
Topic: Would you buy a house with mold in the basement?
Replies: 23
Views: 2788

Re: Help with AA, rebalancing and deloyment of new cash

You didn't actually answer the question. :? But I think what you are saying is that you implemented something like what I suggested above and because of market movements what I suggested is not going to have quite enough bonds. And you have not yet purchased the VTI in the two Roth IRAs, so you are...
by ChupaChups
Thu Jan 24, 2013 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA, rebalancing and deloyment of new cash
Replies: 23
Views: 1735

Re: Help with AA, rebalancing and deloyment of new cash

Using current valuations and having rebalanced based on the suggestions above, I am at 77.80% stocks, 17.51% bonds and 4.69% cash (most is in the Roth IRAs). Does it make sense to use the Roth IRA cash to buy bonds and could you suggest any good bond ETFs? Thanks again. I don't understand. Which su...
by ChupaChups
Thu Jan 24, 2013 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA, rebalancing and deloyment of new cash
Replies: 23
Views: 1735

Re: Help with AA, rebalancing and deloyment of new cash

I like the idea of holding some REITs in her Old-Employer 401K so it might be up to 3.6% of the total portfolio. A common suggestion is that any slice less than 5% is not worth the trouble...for whatever that opinion is worth to you. Why did you pick 3.6%? Got it. Her Old-Employer 401K made up 36% ...
by ChupaChups
Tue Jan 22, 2013 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA, rebalancing and deloyment of new cash
Replies: 23
Views: 1735

Re: Help with AA, rebalancing and deloyment of new cash

Thanks for the update. Here is a suggestion to consider. You would exchange what you have now and buy what is below. Then you would maintain it with your contributions. I know you are just asking about deploying the cash in your Roth IRAs, but a general makeover would be a good idea just to simplif...
by ChupaChups
Thu Jan 17, 2013 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA, rebalancing and deloyment of new cash
Replies: 23
Views: 1735

Re: Refi fell through due to litigation by HOA

One of the suggestions I have gotten from another mortgage broker is to get the HOA to write a letter saying that my unit is unaffected by the defects... anyone here an underwriter or want to weigh in on this?
by ChupaChups
Thu Jan 17, 2013 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Refi fell through due to litigation by HOA
Replies: 5
Views: 925

Re: Help with AA, rebalancing and deloyment of new cash

Regarding 90%/10% and 70%/30% stock to bond ratios, my heart is telling me 10% bonds but my brain is saying 30%. I think 20% is a good compromise. I have rebalanced my current 401K with Spartan funds (thanks bdpb) and the Spartan bond fund makes up 3.77% of my total portfolio. Still a ways to go so...
by ChupaChups
Thu Jan 17, 2013 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA, rebalancing and deloyment of new cash
Replies: 23
Views: 1735

Re: Refi fell through due to litigation by HOA

Sounds like you may have over-disclosed to the broker. With all of my refis, I believe I've only been asked whether I have personally been sued. It sounds like if you were asked that question, you could accurately state "no." You also don't appear to personally be suing anyone else, so ev...
by ChupaChups
Thu Jan 17, 2013 10:19 am
 
Forum: Personal Consumer Issues
Topic: Refi fell through due to litigation by HOA
Replies: 5
Views: 925

Re: Help with AA, rebalancing and deloyment of new cash

Welcome to the forum! I got into the middle of a portfolio suggestion and realized that changes have to be made first. You have no percentages for Her 401k or Her Roth IRA. Perhaps Her New 401k is empty, but there is money in Her Roth IRA and that throws all the other calculations off. So please re...
by ChupaChups
Thu Jan 17, 2013 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA, rebalancing and deloyment of new cash
Replies: 23
Views: 1735

Re: Help with AA, rebalancing and deloyment of new cash

Is there general aversion to be a landlord because of the hassles? That's a very personal choice. I have such aversion personally but I WISH I did not. Then, I would be happy to buy a cheap place and rent it out. It's certainly an option that may very well turn out to be a better investment than ot...
by ChupaChups
Thu Jan 17, 2013 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA, rebalancing and deloyment of new cash
Replies: 23
Views: 1735

Refi fell through due to litigation by HOA

I was in the process of refinancing the mortgage on my townhouse. In the beginning of the process, I told the mortgage broker that our homeowners' association is currently suing the builder to recover for repair costs for various construction defects; the mortgage broker checked with her higher ups ...
by ChupaChups
Thu Jan 17, 2013 8:50 am
 
Forum: Personal Consumer Issues
Topic: Refi fell through due to litigation by HOA
Replies: 5
Views: 925

Re: Help with AA, rebalancing and deloyment of new cash

Thanks a lot for your reply. 2. I've updated my original post with her Current-Employer 401K investment options. Her current allocation is the "Moderately Aggressive Model" and so she has a hotchpot of the funds listed above. I will post her Old-Employer 401K options this afternoon. I am l...
by ChupaChups
Sat Jan 12, 2013 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA, rebalancing and deloyment of new cash
Replies: 23
Views: 1735

Help with AA, rebalancing and deloyment of new cash

Hi, I have been observing this great forum with great people for the past month but am a first time poster. I’ve been neglecting my personal investments for the past few years but have recently regained an interest (thanks to this forum). My long term goal is to retire from or cut back on the “9 to ...
by ChupaChups
Thu Jan 10, 2013 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA, rebalancing and deloyment of new cash
Replies: 23
Views: 1735

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