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Re: Dealing with taxes on Options

To pay the taxes you have to sell something. It's a matter of whether you want to sell this stock or another stock/fund. So decide which you would rather keep, then sell the other. The one time I was issued RSUs, I didn't get a choice. Shares were sold to cover the taxes and I was issued the remaini...
by Kosmo
Mon Aug 18, 2014 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dealing with taxes on Options
Replies: 10
Views: 420

Re: Options on Watching NFL Games

Your local bar. Drink what's on special. It'll be cheaper than any sports package.
by Kosmo
Sun Aug 17, 2014 7:08 pm
 
Forum: Personal Consumer Issues
Topic: Options on Watching NFL Games
Replies: 22
Views: 1545

Re: Mortgage or pay cash

If they pay cash why would that upset their AA? Just rebalance back to 60/40. I would take a cheap ARM and plan to pay it off before the reset.
by Kosmo
Sun Aug 17, 2014 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage or pay cash
Replies: 9
Views: 1121

Re: Smartest way to fund new car purchase?

33k for a Tacoma is excessive. Negotiate down or kill all the high end options (which have no business being in a pickup truck anyways). At your savings rate, just direct it all towards the truck for a few months. Use that and the taxable account.
by Kosmo
Sat Aug 16, 2014 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Smartest way to fund new car purchase?
Replies: 20
Views: 1417

Re: Business Insider: The Stock Market Could Drop 50% Tomor

I think the point he's trying to get across is a good one (risk tolerance). But he uses very vague wording and examples. And he also doesn't offer any practical examples of how to implement your risk tolerance into your investments. And he seems to think investments = stocks.
by Kosmo
Sat Aug 16, 2014 7:25 pm
 
Forum: Investing - Theory, News & General
Topic: Business Insider: The Stock Market Could Drop 50% Tomorrow
Replies: 14
Views: 2168

Re: Europe travel: best card for ATM cash

Another +1 to getting a real debit/ATM card and using it while in Italy at ATMs to withdraw directly. Otherwise, the cash advanced fees on a CC are going to get bad, fast. Agree here also. If you don't mind opening up a new account, I recommend getting a checking account with Charles Schwab. They r...
by Kosmo
Sat Aug 16, 2014 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Europe travel: best card for ATM cash
Replies: 33
Views: 1775

Re: Foundation crack repair

How wide is the crack? I would only go with method 1 if it's less than a half inch or so.
by Kosmo
Sat Aug 16, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: Foundation crack repair
Replies: 7
Views: 758

Re: Getting Married, traveling abroad

I drove around Ireland for a week and that was a blast. We stayed in B&Bs. The only plans we had was what town we needed to end up in to sleep. I think it's far more fun and enjoyable to not do the things that all the other tourists are going to do and explore on your own. We spent hours driving...
by Kosmo
Sat Aug 16, 2014 9:44 am
 
Forum: Personal Consumer Issues
Topic: Getting Married, traveling abroad
Replies: 25
Views: 1331

Re: Fed Taxes on Sale of Rental/Primary Residence

Thank you for the allowed/allowable clarification. I'll add this to my list of confusing tax phrases.
by Kosmo
Wed Aug 13, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Fed Taxes on Sale of Rental/Primary Residence
Replies: 12
Views: 875

Re: Fed Taxes on Sale of Rental/Primary Residence

Assuming you sold in April 2013, and it became a rental unit after April 2010, and you lived in it at least until April 2010...then you meet the "2 of 5 years" criterion. So that only leaves the depreciation. If you claimed rental income on your tax return that you could have also claimed ...
by Kosmo
Tue Aug 12, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fed Taxes on Sale of Rental/Primary Residence
Replies: 12
Views: 875

Re: Copyright question

I have never released PPT of my slides. all PDFs carry a copyright notice Exactly. Provide a PDF that is locked and cannot be modified. Aside from people "stealing" your work, you don't want anyone to change what you created. And make sure any images/pictures you use are in the public dom...
by Kosmo
Tue Aug 12, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: Copyright question
Replies: 15
Views: 632

Re: I...I don't even know where to begin.

The issue I'm having with self-investing, is that there is so much info out there, and many is conflicting. I've read several books, and it all boils down to Author A saying doing X is a great idea, and then reading in another book that X is a very bad idea. ... I've found ETF's that yield over 12 ...
by Kosmo
Mon Aug 11, 2014 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: I...I don't even know where to begin.
Replies: 19
Views: 2954

Re: Rental Property vs. Selling

I agree with the overwhelming majority to sell. I am curious as to why you include pool maintenance as a cost for you, usually that's something tenants should cover along with lawn maintenance, unless your state has some weird rules. 3 of my close friends rented a house with a large back yard and a ...
by Kosmo
Mon Aug 11, 2014 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental Property vs. Selling
Replies: 10
Views: 1065

Re: Where do you buy clothes?

Clothes - Costco for the most part. I'm a teacher and my basic uniform is khakis and short sleeve collared shirts. Sometimes I find nice shirts at the Columbia outlet store. Shoes - Usually comfort moc type shoes from the Clarks outlet store I do the same though I'm not a teacher. For athletic clot...
by Kosmo
Sun Aug 10, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 8625

Re: How do you address your inlaws and being addressed?

My wife refers to my parents by their first names. I refer to my wife's mother by her first name. She was widowed and has since re-married, and everyone refers to her new husband by his first name. Our kids use grandma and grandpa for my parents, and grammy and gramps for my wife's mother and her hu...
by Kosmo
Fri Aug 08, 2014 9:56 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4703

Re: Telephone Calls! Help!

Don't have a phone? We have a land line, but don't have a phone plugged in (cable/internet is cheaper with the phone service). Don't know and don't care how many solicitors call.
by Kosmo
Thu Aug 07, 2014 9:50 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Telemarketing phone calls]
Replies: 97
Views: 5704

Re: Neighbor's Tree

If any branches from the tree extend over onto your side of the property line, trim them back to the property line. This is what I was going to suggest. But it may be worth consulting an arborist or a landscaper with experience trimming maple trees. You don't want it to look like you took a chainsa...
by Kosmo
Thu Aug 07, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Neighbor's Tree
Replies: 44
Views: 3008

Re: HDHP vs PPO (least bad choice)

Update : verified oop max $2500 in network 2x out Everything beyond deductible is covered 100% Single, No dependants That would deal the deal for me as long as the network has the doctors you regularly see. Having the OOP max and the deductible be the same makes it a whole lot easier. And your HSA ...
by Kosmo
Wed Aug 06, 2014 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: HDHP vs PPO (least bad choice)
Replies: 13
Views: 807

Re: Rebalancing question

Rebalance the whole portfolio to get back into balance. By doing this if you're forced to "lock in a loss" you're also being forced to buy something else at an even steeper discount. So it's a net positive transaction (in relative dollar terms, not absolute dollar terms).
by Kosmo
Wed Aug 06, 2014 8:55 am
 
Forum: Investing - Theory, News & General
Topic: Rebalancing question
Replies: 30
Views: 911

Re: HDHP vs PPO (least bad choice)

You're not considering a few things: 1) As others have said, out of pocket max is a factor. But you say the HDHP pays 100% after meeting the deductible, so that means the max is $2500. Is that true? (I have not heard of such a thing, but that doesn't mean it doesn't exist.) If that's the case, this ...
by Kosmo
Wed Aug 06, 2014 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: HDHP vs PPO (least bad choice)
Replies: 13
Views: 807

Re: Where to put $ that will be used to pay off rental prope

Is there no better use for that money? All tax advantaged accounts are maxed out? Is the rental cash flow positive or are you trying to get it there? Personally, I wouldn't do it and I'm not paying down my rental at an accelerated rate. But if you are set on doing that, keep it in a savings account ...
by Kosmo
Tue Aug 05, 2014 11:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put $ that will be used to pay off rental property?
Replies: 4
Views: 481

Re: Should I worry about being audited?

My original thinking was that you should not be worried, but I might reconsider. Banks don't report activity to the IRS unless it's cash deposits over $10,000. The only thing the bank will report is interest you earn. That being said, you're responsible to report your earnings accurately when filing...
by Kosmo
Tue Aug 05, 2014 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I worry about being audited?
Replies: 34
Views: 2997

Re: Eating while travelling

If I'm traveling for work, I take full advantage of the "recommended daily meal allowance". Some places I get per diem no matter what, but in some places they will pay actual expenses and use the per diem rate as a guide. But it usually equates to something fast for lunch because I don't h...
by Kosmo
Tue Aug 05, 2014 6:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Eating while travelling [Food Budget]
Replies: 26
Views: 2055

Re: Would you use a HELOC...? Why or why not?

I used mine for home remodeling. Do not pay off your rental. It doesn't make sense to sacrifice equity in your primary residence for equity in a rental property.
by Kosmo
Tue Aug 05, 2014 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you use a HELOC to invest in VTSAX?
Replies: 22
Views: 1361

Re: HELP! Budget Out of Control

Looking4Ward wrote:$900 for childcare & preschool is high

That's nowhere near high. I pay over $1900 per month for my 2 kids (just turned 2 and 11 months).
by Kosmo
Tue Aug 05, 2014 9:24 am
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Budget Out of Control
Replies: 47
Views: 3556

Re: HELP! Budget Out of Control

Nice point here. How does one include sporadic purchases such as furniture, gifts, or clothing on a monthly budget? We surely don't make these purchases each month. Same goes for car registration fees, water, & trash bills which deduct quarterly. Take the annual amount spent and divide by 12. A...
by Kosmo
Tue Aug 05, 2014 8:43 am
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Budget Out of Control
Replies: 47
Views: 3556

Re: Advice: Remodel of kitchen, bath, and basement?

This is totally a market driven choice on our part; we need to do what Mr. Market says. I think you're missing the point. You don't make market driven decisions unless you're in the market, i.e., you're selling the house. Remodel it the way you want to. You have to enjoy living there. Best advice I...
by Kosmo
Mon Aug 04, 2014 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Advice: Remodel of kitchen, bath, and basement?
Replies: 30
Views: 1371

Re: HELP! Budget Out of Control

You don't say anything about retirement savings so I'll assume you have that taken care of outside of this budget. I don't think it looks as bad as you think. If anything, cut the 529 contributions. You're not done paying for your education yet and you're already paying for your kids.
by Kosmo
Mon Aug 04, 2014 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Budget Out of Control
Replies: 47
Views: 3556

Re: How do you document your HSA "stuff?"

I have a spreadsheet. A tab for each year and then a summary tab that does all the math. I also keep the bills and any receipts in a large file box in the basement. Not sure what I'll do when I fill up the box, but I'm easily 20 yrs away from that.
by Kosmo
Mon Aug 04, 2014 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you document your HSA "stuff?"
Replies: 38
Views: 2126

Re: Advice: Remodel of kitchen, bath, and basement?

Unless you are doing these upgrades in preparation to sell, get what you like. Stainless appliances might be a selling point, but it doesn't matter of you're not selling. I replaced an original 1984 kitchen last year with black appliances.
by Kosmo
Mon Aug 04, 2014 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Advice: Remodel of kitchen, bath, and basement?
Replies: 30
Views: 1371

Re: Investing for those in the 15% tax bracket

Let's assume I am in the 15% tax bracket this year. I put in $100 into a Roth IRA and $100 into a traditional IRA this year. That's not a fair comparison. The options are: put $85 in a Roth and send $15 to Uncle Sam, or put $100 in a trad IRA.... You beat me to it. If you stay in the same tax brack...
by Kosmo
Mon Aug 04, 2014 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: Investing for those in the 15% tax bracket
Replies: 38
Views: 2762

Re: Too many goals - where do I start?

Most of the homes in my area are relatively new (less than 10 years old) because I live in hurricane territory.. which is nice because it's unlikely that we'll end up with a home that needs much repair. Are the homes relatively new because they had to be completely rebuilt due to storm damage? Or t...
by Kosmo
Mon Aug 04, 2014 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Too many goals - where do I start?
Replies: 53
Views: 3857

Re: High School Reunions--Have you attended?

I'm only 13 yrs out of high school, but no I have not attended any reunions. I currently live 3 hrs away from where I went to high school, and the logistics of getting my kids and dog taken care of are preventative of my wife and I attending the festivities. A not insignificant fraction of my classm...
by Kosmo
Sun Aug 03, 2014 6:02 pm
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5052

Re: Talk me in/out of buying a vacation house or condo...ple

I don't like either option you presented. But I will pose some questions for though: Is this resort area a place you'd want to be in the off season? If you buy a 1/8 share of a condo, what is the use agreement between the 8 owners? Do you know the other 7? Do you really want to spend a full day driv...
by Kosmo
Sun Aug 03, 2014 5:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Talk me in/out of buying a vacation house or condo...please
Replies: 21
Views: 2689

Re: Replacing my Central Heat and A/C system................

In reality, you're not really using the heating system in winter if no one lives in the house. I would say just properly prepare the house for a long period of non-use. Empty the water lines and pour enough antifreeze down the drains. Set the heat to 40. If the system fails there's no major issues. ...
by Kosmo
Sat Aug 02, 2014 8:38 pm
 
Forum: Personal Consumer Issues
Topic: Replacing my Central Heat and A/C system..................
Replies: 16
Views: 1690

Re: What is your most memorable 1 week vacation?

Ireland. We rented a car and drove around and explored the country. Stayed at B&Bs. Kept away from cities and tourist areas.
by Kosmo
Sat Aug 02, 2014 4:26 pm
 
Forum: Personal Consumer Issues
Topic: What is your most memorable 1 week vacation?
Replies: 85
Views: 6504

Re: buying shares in taxable

Tax lots are tracked for you. Even dividend reinvestment. The only reason to buy even lots is to make it easier if you're tracking tax lots on your own. Keeping things as simple as possible is actually investing the amount you want to on the date you want to and reinvesting dividends. Minimum work o...
by Kosmo
Sat Aug 02, 2014 11:29 am
 
Forum: Investing - Help with Personal Investments
Topic: buying shares in taxable
Replies: 7
Views: 434

Re: Understanding Mutual Fund Purchase Price

Without getting into a large discussion of significant digits, I think the real answer is that fund NAVs are displayed to only 2 decimal places (dollars and cents) when in actuality they are calculated to fractional cents. You can only buy in increments of cents, but if the NAV is in increments of f...
by Kosmo
Sat Aug 02, 2014 9:08 am
 
Forum: Investing - Theory, News & General
Topic: Understanding Mutual Fund Purchase Price
Replies: 6
Views: 892

Re: Question about HSA and FSA

If it's a dependent care FSA then it doesn't impact your HSA at all. It can only be spent on child care and not medical expenses. It also has different limits I believe.
by Kosmo
Wed Jul 30, 2014 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about HSA and FSA
Replies: 12
Views: 544

Re: Home Appraisal

Last time I had one done the guy was in my house for about 20 minutes. Then I got his report 15 days later. I think the length of time they spend in the house is irrelevant. If they can get the info they need in 10 minutes, then they are more efficient at their job than the guy who takes 15 minutes....
by Kosmo
Wed Jul 30, 2014 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Appraisal
Replies: 20
Views: 1486

Re: How old are you?

I voted as of it were 4 weeks from now and I officially made it into the 31-35 band.
by Kosmo
Wed Jul 30, 2014 6:52 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 77
Views: 6453

Re: New HVAC system

I had an estimate to replace my HVAC system last month. The rep claimed that this particular AC unit with a variable speed blower was a 16 seer, but with a 2 stage blower was only 14 seer. Not sure how accurate that is, but it sounds plausible. This was a Lennox system. When we eventually do replace...
by Kosmo
Tue Jul 29, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 29
Views: 2501

Re: Permit for expanding existings deck

hackermb wrote:We are building a home....

Why don't you just have them build a larger deck in the first place?
by Kosmo
Mon Jul 28, 2014 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Permit for expanding existings deck
Replies: 10
Views: 702

Re: Surge protectors

Also check to make sure your circuit breaker on the panel and the GFCI are both 20 amps. The breaker will say 20 on the handle and the outlet will have one T and one I shaped slot instead of 2 I shaped slots (as shown by nisiprius). Find out how much power the blender draws and what else is on the c...
by Kosmo
Mon Jul 28, 2014 10:45 am
 
Forum: Personal Consumer Issues
Topic: Surge protectors
Replies: 41
Views: 3548

Re: Kitchen Remodel... Or Not?

No question I would do the remodel. It will improve the quality of life for whoever is in the kitchen for any significant time. And you clearly have the means to do work. (Also, if your wife is saying to do it, then you do it.) But definitely make sure that the "character" of the kitchen i...
by Kosmo
Mon Jul 28, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 53
Views: 2895

Re: POLL: My home is worth less/more in 2014 than in 2007?

I voted based on a house that used to be my primary residence (purchased in 2006) and is now a rental property (converted in 2013). It's worth about 20% less now than in 2007. Can't really say about my current primary residence.
by Kosmo
Sun Jul 27, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 5690

Re: What shoe size should I buy?

Buy the size that fits the best. If a 10 doesn't fit, you're not a 10 for that manufacturer. I have wide and flat feet, so I usually have to buy a wide (which isn't always carried in the store) or get the next half size up.
by Kosmo
Sun Jul 27, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: What shoe size should I buy?
Replies: 10
Views: 738

Re: What is it like to live in Charlottesville, VA?

I lived there as a student and loved it. I can't really say a lot about life outside of the University grounds, but there are a lot of nice public parks. The weather is fairly mild, not extreme in the summer or winter. Although, when it did snow, they didn't handle it all that well. There are some v...
by Kosmo
Sat Jul 26, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is it like to live in Charlottesville, VA?
Replies: 20
Views: 1943

Re: Celebrity Bogleheads?

dgdevil wrote:Arby's? They're the Elaine and Puddy* of the sporting world.





(*Seinfeld reference)


High five!
by Kosmo
Fri Jul 25, 2014 9:48 pm
 
Forum: Personal Consumer Issues
Topic: Celebrity Bogleheads?
Replies: 3
Views: 987

Re: Dumb 3rd grade math question about beach house rental

So is it more appropriate to divide the cost among equal use of time in the house ($10,000/28) or equal use of area ratio of the house (2nd equation)? I'd say equal use of time, because once the 3rd couple leaves it's not as if the other 2 couples will be spreading out there belongings and then be ...
by Kosmo
Wed Jul 23, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 61
Views: 4982
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