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Re: ESPP Shares - What to do?

I sell 50% immediately or as soon as I can for ESPP. Rest I sell in 25+25 lot. Mine is div paying, big company stock, so holding 50% has some benefit.
As others have said, don't let the tax tail wag the investment dog.
by dimdum
Fri Apr 18, 2014 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: ESPP Shares - What to do?
Replies: 19
Views: 983

Re: Planning Retirement and Tax efficiency, looking for advi

Thanks ruralavalon for detail response and advise. Let me first respond on Bonds side as its easier and faster for me to implement. Till 2012, I just had one fund: TBM. As bonds prices start rising and I started seeing more and more bonds related threads on bogleheads, I added Corp, IT TBM and TIPS ...
by dimdum
Thu Mar 27, 2014 1:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Planning Retirement and Tax efficiency, looking for advice
Replies: 14
Views: 1441

Re: Planning Retirement and Tax efficiency, looking for advi

Thanks everyone for their advice. You all are awesome. There are three main questions 1) IRA consolidation (move to VG) 2) Future money 3) Already invested MF 1) IRA consolidation (move from Fido to VG) The reason I have money in Fido is I like their interface, have some tools available and their CS...
by dimdum
Tue Mar 25, 2014 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Planning Retirement and Tax efficiency, looking for advice
Replies: 14
Views: 1441

Re: Planning Retirement and Tax efficiency, looking for advi

Hi kerplunk, thanks for your response and advice. I have re-formatted to make it make clean and it now follow boglehead format. Plus added image of XLS to make it more neat. Re: Selling in Taxable. For 2104 I will be hit by huge taxes (44% on ST) and 25% on LT (incl state taxes). Since they are inve...
by dimdum
Fri Mar 21, 2014 5:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Planning Retirement and Tax efficiency, looking for advice
Replies: 14
Views: 1441

Re: Are people really selling at the bottom of the market ?

If anyone missed the earlier bottom and subsequent rally, don't worry. Stocks mostly move up and down, rather sideways.
I expect another one in next 6-12 months, once QE3 ends. Nothing to do with market timing but more of bull cycle.
Stay the course.
by dimdum
Fri Mar 21, 2014 2:23 pm
 
Forum: Investing - Theory, News & General
Topic: Are people really selling at the bottom of the market ?
Replies: 16
Views: 2844

Re: Planning Retirement and Tax efficiency, looking for advi

Any suggestion on how to make it more tax efficient ?
I read wiki and looks like doing the right mix and match between tax-adv and tax-sheltered account.

Insight from other bogleheads would be helpful.
by dimdum
Fri Mar 21, 2014 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Planning Retirement and Tax efficiency, looking for advice
Replies: 14
Views: 1441

Re: POLL: Do you have a financial advisor?

Yes and its called "bogleheads.org"
by dimdum
Thu Mar 20, 2014 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you have a financial advisor?
Replies: 37
Views: 1983

Re: Single Income Family with 4 Children (so far)

Re- -About to purchase a 20 year term life policy at 2M (should I get 1 policy or 2 from different insurers?) Use this calc to find your insurance need http://finance.yahoo.com/calculator/insurance/ins01/ You should use broker to get quotes from multiple ins companies and go with one with good ratin...
by dimdum
Thu Mar 20, 2014 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Single Income Family with 4 Children (so far)
Replies: 69
Views: 4677

Planning Retirement and Tax efficiency, looking for advice

Edited: Added as per Boglehead format to make it easy to read. Emergency funds: six months of expenses Tax Filing Status: Married Filing Jointly, 2 kids Tax Rate: 33% Federal, 9.3% State State of Residence:CA Desired Asset allocation: 70% stocks / 30% bonds (115 - age) Desired International allocati...
by dimdum
Thu Mar 20, 2014 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Planning Retirement and Tax efficiency, looking for advice
Replies: 14
Views: 1441

Re: Stay for pay, or leave for growth? Seeking opinions.

I would also suggest staying at current job for 18month or so. Finish your Master and learn as much as you can during your lean period.
by dimdum
Mon Feb 17, 2014 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Stay for pay, or leave for growth? Seeking opinions.
Replies: 14
Views: 1196

Re: Selling my first stock this week

What percentage of your "total portfolio" does XOM represent ? If its under 10%, keep it.
by dimdum
Wed Jan 15, 2014 1:18 am
 
Forum: Investing - Theory, News & General
Topic: Selling my first stock this week
Replies: 29
Views: 2540

Re: High Earners - What's Your Profession?

It depends upon location. I'm in Silicon Valley, CA. A fresh grad from good university working in SF can make that much in a year.
100K is like 40k here in valley. Av home price in good area ~1.5m and 50K + car are way too common on freeway.
by dimdum
Tue Jan 14, 2014 12:27 am
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 334
Views: 22764

Re: When do you stop worrying about saving?

Make goals and track your goals. If you are track or have reached your goals, you can stop worrying. For example, lets say you're goal is to retire at age of 50. And then spend 100K each year after that and take SS at 65 years. You can use http://www.firecalc.com/ or other tools to determine if you ...
by dimdum
Mon Nov 25, 2013 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: When do you stop worrying about saving?
Replies: 52
Views: 4819

Re: Average Yearly Raises?

Are we looking at base salary or W2 income or tax return income as over the years we have gains thru mutual funds too. My base is 7.31% over 14 years. W2 is 10.1 % over 14 years as of 2103 (incl bonus, stocks, this varies each year). Based on Tax return will be I believe 11% annually (need to dig ol...
by dimdum
Fri Nov 22, 2013 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Average Yearly Raises?
Replies: 97
Views: 5339

Re: Muni vs CD : Need advice

Thanks everyone for your response. PJW Yes, I meant Muni bonds vs CD, I have updated subject. Yes, I'm aware of duration and SEC yields, but trying to see if Muni makes sense as this money is in taxable account. I found Ally 1.24% for 12 month CD the best I could find. Other option is Ally is 1.85% ...
by dimdum
Fri Nov 15, 2013 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Muni vs CD : Need advice
Replies: 10
Views: 1223

Muni vs CD : Need advice

Muni vs Bonds I have about 20K CD maturing in early Dec, 2103 and I'm trying to find best place for that money. Ally will give me 0.25 loyalty bonus and 12 month renewal will be around 1.24% APR. I'm debating on Vanguard CA muni vs (IT or Limited National Muni) vs Ally CD. Will it make a difference ...
by dimdum
Thu Nov 14, 2013 5:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Muni vs CD : Need advice
Replies: 10
Views: 1223

Re: best place to park $200K for a year?

CD ~160K, rest in ibonds (20k now, 20k in Jan, if you are married, 10k for single)
GE is offering 1.15% APR for 15 month CD, 1.05% for 1 yr.
by dimdum
Mon Nov 11, 2013 1:48 am
 
Forum: Investing - Help with Personal Investments
Topic: best place to park $200K for a year?
Replies: 22
Views: 2603

Re: 67years young, 2.3M in various accounts, please help!

How about 3 fund portfolio with some TIPS along with TBM ? For REIT, you need to be adding 200-250K to have some impact. 2. Sell the local bank stock (maybe a chunk this year, another next year, etc to avoid too much capital gains) and start on a CD ladder ($50k/yr). Agreed, sell now and rest in Jan...
by dimdum
Fri Nov 08, 2013 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 67years young, 2.3M in various accounts, please help!
Replies: 11
Views: 1791

Re: Need help with Bond allocation

Thanks Taylor. I'll stick with my combination of TBM, TIPS, Muni and Invt grade.
Probably will move some bonds duration to ST for TBM, TIPS and Invt grade.
by dimdum
Fri Nov 08, 2013 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with Bond allocation
Replies: 12
Views: 1635

Re: Twitter IPO?

The stock is down ~7% from yesterday closing and about 18% down from its peak.
Give a quarter or two to get the real deal. Remember FB went down to 18$, or lost ~55% of its IPO value.
by dimdum
Fri Nov 08, 2013 6:01 pm
 
Forum: Investing - Theory, News & General
Topic: Twitter IPO?
Replies: 60
Views: 2479

Re: Need help with Bond allocation

That is your option. I would consider taxes as only a piece of the overall puzzle. There is an additional diversification benefit from moving from 100% California to a nationally diversified low costs fund. That true. But my 100% CA is still 10% of my overall Bond allocation. In future if I run out...
by dimdum
Tue Nov 05, 2013 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with Bond allocation
Replies: 12
Views: 1635

Re: Need help with Bond allocation

livesoft, That correct, my current bonds allocation are mostly TBM and some CA Muni which are IT. I'm leaning towards 30-40% towards ST for my bond allocations. Also possible add TIPS, Invt grade and maybe HY or/and Intl bonds. So far I'm thinking of Tips, Invt grade, Muni and TBM. Mix of ST and IT....
by dimdum
Fri Nov 01, 2013 7:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with Bond allocation
Replies: 12
Views: 1635

Re: Need help with Bond allocation

Well, not sure if slice and dice on Bonds helps and hence I reached out to bogleheads. What are other doing ? FYI, I have ~180K or so in bonds funds, so 5% give me admiral/spartan access to many bonds funds. I have ibonds as part of my EF, currently 20K and not including in my AA as its part of EF. ...
by dimdum
Wed Oct 30, 2013 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with Bond allocation
Replies: 12
Views: 1635

Re: Brothers response to index investing

We all take profits from our investments, its called re-balancing. We do profit taking or re-balancing multiple times during our investing career: - when our portfolio goes up or AA changes dramatically, we re-bal - when one segments does better than other (US vs Euro), we take profit (re-bal) - Whe...
by dimdum
Tue Oct 29, 2013 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brothers response to index investing
Replies: 52
Views: 3789

Need help with Bond allocation

With all the noise about bonds fund, I need some advice and help with Bonds/stable funds allocation. Background - Married, 2 kids. State - CA Age - 43, 41 I'm follow 115-age for equity. Portfolio is mid 6 figure equally divided between 401k/IRA and Taxable account. Currently most of my bonds are TBM...
by dimdum
Tue Oct 29, 2013 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with Bond allocation
Replies: 12
Views: 1635

Re: Ok I read enough posts on how selling is foolish now

Stoney178, you want to get all the gains without all the risks associated with it. Its called free lunch and sorry, there is none. When market are good you want to invest in stocks, when market looks risky you want to diversify to safer assets. What happens when all this is resolved and market start...
by dimdum
Tue Oct 08, 2013 6:09 pm
 
Forum: Investing - Theory, News & General
Topic: Ok I read enough posts on how selling is foolish now
Replies: 30
Views: 2805

Re: 2007 Honda Civic, to sell or not to sell?

The only reason you would buy a new car is due to safely reasons. Few years back I replaced my older accord with min-SUV. The older accord has had two airbags in front, newer one came with 6 airbags in front (3 each side) plus 2 for back seat (side airbag activated during roll-over). It had better c...
by dimdum
Thu Oct 03, 2013 5:57 pm
 
Forum: Personal Consumer Issues
Topic: 2007 Honda Civic, to sell or not to sell?
Replies: 57
Views: 2663

Re: How to expand tax-advantaged space

tax-exempt bonds (federal only), you need to pay state taxes
by dimdum
Wed Oct 02, 2013 1:15 am
 
Forum: Investing - Theory, News & General
Topic: How to expand tax-advantaged space
Replies: 3
Views: 683

Re: Lump sum - staying liquid while keeping up with inflatio

If you are married, open a joint account. It's insured for 500k.
by dimdum
Mon Sep 30, 2013 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump sum - staying liquid while keeping up with inflation
Replies: 5
Views: 653

Re: 18 Months Till Retirement, Need Suggestions

We plan on having our Retirement funds last for approx 15-20yrs, and our Children are doing very well for themselves, so we aren't concerned with leaving money to them,or so they say :happy Why do you thinks your life expectancy is about 15-20 yrs ? Do you have any medical condition or family histo...
by dimdum
Sat Sep 28, 2013 5:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: 18 Months Till Retirement, Need Suggestions
Replies: 49
Views: 4354

Re: Retired-Stock/Bond Placement??

Sounds like a plan. Only suggestion for bonds that it should be IT term, not long term. If you are putting in new money some exposure to short term bonds index would be my suggestion.
by dimdum
Sat Sep 28, 2013 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retired-Stock/Bond Placement??
Replies: 6
Views: 478

Re: Is Bond/Bond Fund investing just a bad idea all around n

If you are too worried about bonds NAV dropping due to increasing interest rate, go short term bonds index. Falling NAV (bonds price) will be compensated with raising yield (interest rate). Since they are short term (typically 2.5 yrs), they will be stable and maybe able to get you some positive (re...
by dimdum
Sat Sep 28, 2013 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Bond/Bond Fund investing just a bad idea all around now?
Replies: 40
Views: 3367

Re: Asset Allocation for a Friend (low income, windfall)

2-Should we put $3125 into each fund so that they are not in danger of dropping below $3000 instead of putting the extra $500 to international? (How much does Vanguard care if you invest and it drops a little below the initial investment minimum?) If it drop below 3k or 10k due to market condition ...
by dimdum
Fri Sep 27, 2013 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for a Friend (low income, windfall)
Replies: 20
Views: 1309

Re: Asset Allocation for a Friend (low income, windfall)

Target retirement funds are other option to start with ROTH. They will contain International and some potion of it is invested in China thou. If you want to slice and dice and get exposure to International, Vanguard Developed Markets Index Fund Investor Shares is better option as it covers Euro and ...
by dimdum
Fri Sep 27, 2013 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for a Friend (low income, windfall)
Replies: 20
Views: 1309

Re: How Close Are You To Your Number and Financial Independe

On target to retire by 2030 if things go as plan for next 10 years i.e. I continue to earn good money and save at current rate. And get 5-6% return on investment.
by dimdum
Fri Sep 27, 2013 5:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Close Are You To Your Number and Financial Independence?
Replies: 71
Views: 6201

Re: Need help with re-balancing !!

Thanks for your response Aptenodytes. I have account spread across three financial institutes 1) Fido (IRA) 2) Current 401k 3) VG (IRA and Taxable). Most equities reside in taxable. VG IRA has Bonds and REIT and no space available to add/balance. Current 401k has limited bonds options. I contribute ...
by dimdum
Fri Sep 27, 2013 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with re-balancing !!
Replies: 3
Views: 461

Need help with re-balancing !!

Need some advice and help with re-balancing from equity to Bonds/stable funds. Background - Married, 2 kids. State - CA Here my desired AA (33/67). I follow 110-age for equity. Portfolio is mid 6 figure equally divided between 401k/IRA and Taxable account. All new money is going in 401k bonds funds ...
by dimdum
Fri Sep 27, 2013 1:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Need help with re-balancing !!
Replies: 3
Views: 461

Re: Training & Education path to becoming a Sys Admin?

If your are in technology hub (SFO, NYC, Austin, Dallas) and some other parts of US with high concentrator of tech companies, degree doesn't matter. Yes it will help in long run, but for start job as contractors/temp employee no degree required. Sys admin comes in mainly two flavors - Microsoft or L...
by dimdum
Tue Sep 24, 2013 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Training & Education path to becoming a Sys Admin?
Replies: 7
Views: 825

Re: Viability of Vanguard

Vanguard manage 2 Trillion dollar of money, that 2T. Many institution investor holds billions of dollars with them, many large SP100 companies have 401k with VG funds, they again have millions of $ with them. With so much at stake, VG have control in place and I don't worry a bit about them going do...
by dimdum
Thu Sep 19, 2013 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Viability of Vanguard
Replies: 18
Views: 2289

Re: In case I deep-six: An IPS for my wife

What about wife re-marrying down the line ? 5 years or 10 yrs after spouse death or when kids are in college ? A Pre-nup and will become essential so that kids and wife is taken care. Also don't forget to account for SS at 62 for spouse ? She become eligible for that and should be considered in calc...
by dimdum
Tue Sep 17, 2013 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: In case I deep-six: An IPS for my wife
Replies: 15
Views: 1702

Re: Whole life insurance for kids?

In financial sense you protect and insurance assets not liabilities.
Kids insurance are waste, in fact I would say unless one marry or have kids it doesn't make sense to have insurance.
by dimdum
Tue Sep 17, 2013 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Whole life insurance for kids?
Replies: 25
Views: 1656

Re: Why Utah 529 instead of Vanguard 529?

I'm in same boat, in CA with no tax adv and want to open 529. Debating between VG and Utah.
by dimdum
Fri Sep 13, 2013 6:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Utah 529 instead of Vanguard 529?
Replies: 18
Views: 1495

Re: funds waiting to be invested - pl help

If I read correctly, OP is willing to take care in equity but don't want to take same risk with cash.
He wants his cash protected. Opening a online account with Ally or similar and transferring money periodically to VG as other suggest is way to go.
by dimdum
Fri Sep 13, 2013 1:46 am
 
Forum: Personal Finance (Not Investing)
Topic: funds waiting to be invested - pl help
Replies: 7
Views: 558

Re: Term Life Insurance with return of premium?

I ran the numbers. Annual premium for regular term life insurance $700.00 Annual premium for ROP term life insurance $1,800.00 Additional annual cost for ROP term life insurance $1,100.00 Amount returned at the end of the ROP policy term $36,000.00 Approximate rate of return for this ROP policy 4.49...
by dimdum
Thu Sep 12, 2013 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance with return of premium?
Replies: 17
Views: 959

Re: Another ESPP question

If you are working for a mega for SP100 company, the stock should be mostly following market. The company invest on your behalf for 6 months and then give you discount of 15% over start or ending stock price. The stocks is transferred to your brokerage account usually within 2-3 days once its alloca...
by dimdum
Mon Sep 09, 2013 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another ESPP question
Replies: 50
Views: 2736

Re: Worried about late credit card payment

Usually CC companies report anything that is late for 30 days. 1-2 days late doesn't matter although they will charge late payment penalty and maybe increase your APR. Link your CC to your back account and have they take at least minimum balance by due date, that way you will always pay on time and ...
by dimdum
Tue Aug 20, 2013 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Worried about late credit card payment
Replies: 27
Views: 1614

Re: Borrowing a Friend's Car for 6+ months

Its 2012 car, so it should be covered bumper-bumper with factory warranty. Depending upon mileage you might be doing a oil change and perhaps a minor/major service during the 8 month period. I would recommend doing a full car wash and full tank of gas at return. Just buy comprehensive insurance for ...
by dimdum
Fri Aug 16, 2013 8:24 pm
 
Forum: Personal Consumer Issues
Topic: Borrowing a Friend's Car for 6+ months
Replies: 9
Views: 1060

Re: Considering job with FA firm...what salary ballpark?

Salary depends upon many factors - Geo location, number of qualified candidate for that position, market segment.
I would recommend looking at glassdoor.com or/and http://www1.salary.com/Salary-Ranges.html to get some estimate.
by dimdum
Fri Aug 16, 2013 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Considering job with FA firm...what salary ballpark?
Replies: 4
Views: 1081
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