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Re: How does a Boglehead handle stock options?

Interesting to see the differing perspectives. I understand the arguments for selling immediately upon vesting, as soon as the options are in the money. OTOH, it's hard to see the value of exercising a 10-year option that is "in the money" by $1 on day one, post vesting. Isn't much of the...
by inbox788
Wed Jan 14, 2015 6:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: How does a Boglehead handle stock options?
Replies: 27
Views: 1834

Re: Leasing a car for an older relative

You could try one of the lease trader sites like Swapalease, where you might find someone looking to exit their lease on that sort of timeline. You also could try leasetrader.com, but chances of finding a car and costs to transfer a lease are likely going to be high for such a short term. Renting b...
by inbox788
Thu Jan 08, 2015 1:09 pm
 
Forum: Personal Consumer Issues
Topic: Leasing a car for an older relative
Replies: 6
Views: 656

Re: Do you check you get all your dividends?

cjking, We have a non Vanguard fund held in a Vanguard brokerage account that paid a ST, LT and dividend on 12-30-14 per the fund company. Nothing posted in the Vanguard account and I messaged Vanguard on 1-2-15. The payments finally posted on 1-5-15 and were backdated for 12-30-14. Vanguard did re...
by inbox788
Thu Jan 08, 2015 12:54 pm
 
Forum: Investing - Theory, News & General
Topic: Do you check you get all your dividends?
Replies: 20
Views: 2396

Re: Buying Disney stock - ABC vs ESPN org chart

That's the part of the transfer I don't understand. Why doesn't ESPN get paid to produce content the way CBS collects from Time Warner? If it's the left arm transferring to the right arm of one company, it wouldn't matter, but if I were a minority shareholder in ESPN, I'd be wondering if my ownersh...
by inbox788
Wed Jan 07, 2015 8:25 pm
 
Forum: Personal Consumer Issues
Topic: Buying Disney stock - ABC vs ESPN org chart
Replies: 15
Views: 1863

Re: 50/50 simplicity

Because of estate taxes we reconfigured our portfolio slightly over the past year and drifted slightly higher in stocks for those deferred accounts where spouses are not designated as the beneficiary. OT, but interesting beneficiary choice. Is there a name or thread that discusses this strategy? Do...
by inbox788
Wed Jan 07, 2015 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50/50 simplicity
Replies: 25
Views: 3135

Re: Refinance 4.75% 30-YR Mortgage? $150K Loan

Why so high rate? Was it zero cost? What costs are you trying to "payback"? Consider a zero cost 15 year or even a 5/1 or 5/5 to lower interest rate if you can accelerate payments. http://economistsoutlook.blogs.realtor.org/2013/08/05/reflecting-on-the-30-year-fixed-rate-mortgage/ https://...
by inbox788
Wed Jan 07, 2015 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance 4.75% 30-YR Mortgage? $150K Loan
Replies: 13
Views: 1154

Re: rebalancing conundrum/paradox/irony

Now you are not waiting to contribute but rather going ahead and overweighting the higher risk assets because it is preferable to lump sum in earlier? yes, exactly. I know I will buy the higher risk asset sometime in the next 12 months. Barring the ability to predict the future, I should rather buy...
by inbox788
Wed Jan 07, 2015 2:07 pm
 
Forum: Investing - Theory, News & General
Topic: rebalancing conundrum/paradox/irony
Replies: 93
Views: 7028

Re: Refinance plus cash out...worth it?

Yes, seems to make financial sense.

No, you have personal loans and credit card debt. If you wind up having a $40 higher payment for 30 years and re-accumulate more personal loans and credit card debt, you'll be worse off.
by inbox788
Wed Jan 07, 2015 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance plus cash out...worth it?
Replies: 12
Views: 781

Re: Cancel Homeowner's Insurance?

CloveLeaf wrote:$7000??? Geez. Where do you live?

If it costs that much, it may be worth having. OP, are you in a flood zone?
by inbox788
Tue Jan 06, 2015 11:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cancel Homeowner's Insurance?
Replies: 106
Views: 6606

Re: Buying Disney stock - ABC vs ESPN org chart

ABC Sports is no longer actually thing. All sports programming on ABC is produced by ESPN. ESPN is paying ABC to air the current sports broadcasts. That's the part of the transfer I don't understand. Why doesn't ESPN get paid to produce content the way CBS collects from Time Warner? If it's the lef...
by inbox788
Tue Jan 06, 2015 10:57 pm
 
Forum: Personal Consumer Issues
Topic: Buying Disney stock - ABC vs ESPN org chart
Replies: 15
Views: 1863

Re: Buying Disney stock - ABC vs ESPN org chart

That said, I don't know why you are so focused on whether it is a "direct" or "indirect" subsidiary. The key point is whether it is a wholly owned subsidiary (ABC is, ESPN is not) and if not, what percentage is owned (80% in the case of ESPN). Frankly I bet ESPN isn't truly a &q...
by inbox788
Tue Jan 06, 2015 8:57 pm
 
Forum: Personal Consumer Issues
Topic: Buying Disney stock - ABC vs ESPN org chart
Replies: 15
Views: 1863

Re: rebalance at 3% change ok?

Rebalancing at 5% seems pointless to me. Remember, your asset allocation is based on some consideration of historical and projected risk and return properties of your higher and lower risk investments. These values are highly variable, and your estimates of them will be error prone at levels way hi...
by inbox788
Tue Jan 06, 2015 8:40 pm
 
Forum: Investing - Theory, News & General
Topic: rebalance at 3% change ok?
Replies: 24
Views: 1826

Re: Buying Disney stock - ABC vs ESPN org chart

Did you come across this wikipedia entry? http://en.wikipedia.org/wiki/ESPN_on_ABC#ESPN.2C_ABC_Sports.2C_and_Hearst From my reading, it seems like it's Disney/ESPN and Disney/ABC with the ABC/Disney ownership relationship pretty much dissolved, and replaced with distribution/broadcast agreements. Th...
by inbox788
Tue Jan 06, 2015 2:18 pm
 
Forum: Personal Consumer Issues
Topic: Buying Disney stock - ABC vs ESPN org chart
Replies: 15
Views: 1863

Re: Bogleheads 2015 Hedge Fund Contest

Fund name: Money Monster Long: INTU - Intuit ESRX - Express Scripts TJX - TJX Companies Short: AMZN - Amazon MCD- McDonalds SHLD - Sears For folks looking for short ideas, here's a retail list to consider. Some of my favorite shorts include SHLD, BKS, RSH, JCP. http://retailindustry.about.com/od/US...
by inbox788
Mon Jan 05, 2015 7:25 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 112
Views: 9749

Re: Accepting counter-offer to stay at job

Obviously I can be bought. I'd probably stay until retirement (which indeed would come sooner) if they doubled my salary. I certainly won't stay without a raise of at least 15%/year, plus at least the same cash bonus and stock grant as last year. I'm not sure where the line is exactly, but I'll com...
by inbox788
Mon Jan 05, 2015 7:06 pm
 
Forum: Personal Consumer Issues
Topic: Accepting counter-offer to stay at job
Replies: 72
Views: 6624

Re: TSM or S&P 500, MidCap and SmallCap indexes?

Yes and yes. I have VTI in taxable and VOO, VO, VB equivalent funds in tax sheltered, mainly because they don't have a single us market fund, but it help me tilt a little towards mid and small caps. Given recent underperformance and shifting belief that they may not be beneficial, the tilt is shrink...
by inbox788
Mon Jan 05, 2015 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: TSM or S&P 500, MidCap and SmallCap indexes?
Replies: 21
Views: 1558

Re: Misunderstanding around dimensions

Here's what you'd think is a straightfoward question. Let's say you're trying to size something to fit on your property before commiting to buy it. When asked for the dimensions of the footprint to figure out how much space you need, you're told by the place you're buying from: "It's a hundred...
by inbox788
Mon Jan 05, 2015 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Misunderstanding around dimensions
Replies: 29
Views: 2024

Re: Misunderstanding around dimensions

Here's what you'd think is a straightfoward question. Let's say you're trying to size something to fit on your property before commiting to buy it. When asked for the dimensions of the footprint to figure out how much space you need, you're told by the place you're buying from: "It's a hundred...
by inbox788
Mon Jan 05, 2015 3:05 pm
 
Forum: Personal Consumer Issues
Topic: Misunderstanding around dimensions
Replies: 29
Views: 2024

2015 Not a great year for indexing: Pro

Was watching CNBC and saw this clip about active vs. passive investing. http://video.cnbc.com/gallery/?video=3000343885 The conventional wisdom among the reporters and active folks seems to be that in up years, index investing wins out, but in down years active management is better. And they expect ...
by inbox788
Mon Jan 05, 2015 2:11 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 Not a great year for indexing: Pro
Replies: 10
Views: 1173

Re: Where to keep $50k liquid?

How meaningful is $500 before taxes (1% of $50k)? I doubt you'll find anything that's more than 1% a year. More likely, you'll find some offers around 0.25% a year for 4 years to get a net 1% over 4 years. So $500 over total timeframe to open/close accounts and deal with tax paperwork? Maybe/maybe n...
by inbox788
Mon Jan 05, 2015 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to keep $50k liquid?
Replies: 8
Views: 1247

Re: Purchasing foreign currency for vacations (present/futur

If you want to pursue this, then ignore the banks and look at sites like Travelex and usforex.com. Very convenient, low-cost and the latter (at least) allows you to lock in rates. If you really want to go all out on the f/x side, why not lock in hotel rooms on booking.com, which has no cancellation...
by inbox788
Sun Jan 04, 2015 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing foreign currency for vacations (present/future)
Replies: 21
Views: 1778

Re: Almost made it! From $ -530k net worth to $-9k this yr

can you elaborate a bit on your situation? Was this all in 2014? or when did you have negative $0.5M net worth? How did you reach that level of debt? Student loans? What was your income the last 5 years? What is your occupation? This all occurred from Jan 1 to Dec 31, 2014. Debt occurred from stude...
by inbox788
Sun Jan 04, 2015 7:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Almost made it! From $ -530k net worth to $-9k this yr
Replies: 36
Views: 7347

Re: Purchasing foreign currency for vacations (present/futur

In my case I wouldn't call it market timing but rather vacation planning! I've been to Japan ~30 times in the last 10 years, seeing the yen traded anywhere from the lows of 80/dollar to the highs of 120/dollar. I loved the "high flying" days of 110+/dollar and merely want to protect mysel...
by inbox788
Sat Jan 03, 2015 8:59 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing foreign currency for vacations (present/future)
Replies: 21
Views: 1778

Re: Should I even be in bonds?

100% in stocks is not an illegitimate choice for your age. You already proved you have the proper temperament to stay the course. Warren Buffett recommends to have enough in cash to feel comfortable and put the rest in stocks. He even recommends this portfolio for someone in their 50s and 60s. He s...
by inbox788
Sat Jan 03, 2015 8:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I even be in bonds?
Replies: 40
Views: 3665

Re: Purchasing foreign currency for vacations (present/futur

just want to lock in the great current rates. That's just market timing! There are some people expecting the rate to go to 125 or 130 next year with Abenomics 2 while we wind down QE3. Don't tell me there isn't inflation, just got notice that my tier 2 water rate is going up over 100% in the next 5...
by inbox788
Sat Jan 03, 2015 9:49 am
 
Forum: Personal Consumer Issues
Topic: Purchasing foreign currency for vacations (present/future)
Replies: 21
Views: 1778

Re: Why donate to charity?

...One way to think of this deduction is that the government is matching your donation, so your $1 donation is really a $0.33 donation with a government 2:1 match. If your employer matches 1:1, that's a 5:1 match on your donations!... Well all this boggles my simple mind. :confused But isn't your $...
by inbox788
Fri Jan 02, 2015 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: Why donate to charity?
Replies: 61
Views: 4127

Re: Bogleheads 2015 Hedge Fund Contest

Fund of Unconventional Contrarian Knowledge LONG BKS SHLD HLF SHORT BRK.B AAPL TSLA Glad we agree on TSLA :happy I've seen BKS ,SHLD and HLF on most likely to go bankrupt lists, so clearly contrarian! My strategy to this madness is somewhat conventional, which is to listen to the "experts"...
by inbox788
Fri Jan 02, 2015 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 112
Views: 9749

Re: How to value travel with a job offer

I never felt that I had non-reimbursable expenses that amounted to anything significant while travelling so I would value these as zero. On the other hand 95% of the time I was sent to places that I considered less attractive than my home, so on average there was no positive value from travel. Once...
by inbox788
Fri Jan 02, 2015 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to value travel with a job offer
Replies: 26
Views: 1568

Re: Almost made it! From $ -530k net worth to $-9k this yr

With all due respect to the original poster, I think most of us would have been able to pay off a lot of debt if our income suddenly quadrupled. :D My thought, although I was restraining myself from saying that. Though for many people that doesn't happen. So while it certainly helps to have a signi...
by inbox788
Thu Jan 01, 2015 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Almost made it! From $ -530k net worth to $-9k this yr
Replies: 36
Views: 7347

Re: Almost made it! From $ -530k net worth to $-9k this yr

Good job, but can you elaborate a bit on your situation? Was this all in 2014? or when did you have negative $0.5M net worth? How did you reach that level of debt? Student loans? What was your income the last 5 years? What is your occupation? Besides a physician in training, what other occupations c...
by inbox788
Thu Jan 01, 2015 5:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Almost made it! From $ -530k net worth to $-9k this yr
Replies: 36
Views: 7347

Re: Cheapest Way to Watch Netflix

Cheapest is probably Chromecast, but you need a tablet/phone to control.

Fire Stick will will work with their remote. Might be able to cast as well.

Don't overlook PS3, Wii or XBOX if you already have a device that will support Netflix.

Older/Used Roku boxes are also cheap.
by inbox788
Wed Dec 31, 2014 7:12 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest Way to Watch Netflix
Replies: 27
Views: 3047

Re: Bogleheads 2015 Hedge Fund Contest

Hedge Fund Name: Go for Broke Fund

Long:
BBOX - Black Box
PHIIK - PHI Inc
BHE - Benchmark Electronics

Short:
AMZN - Amazon
NFLX - Netflix
TSLA - Tesla
by inbox788
Wed Dec 31, 2014 6:36 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 112
Views: 9749

Re: Why donate to charity?

Short answer. You don't donate to save money (because you won't). You donate to give money. This from an above post explained it: Scenario 1: You do not donate to any charity. You: + $0.67 IRS: + $0.33 Charity: $0 Scenario 2: You donate the buck to charity. You: +$0.33 IRS: -$0.33 Charity: +$1.00 I...
by inbox788
Wed Dec 31, 2014 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: Why donate to charity?
Replies: 61
Views: 4127

Re: How much more do rebate cards cost than checks?

A check is a transaction that may be limited to what they can track. A rebate card includes address, email, spending data, etc. all of which can be sold for additional revenue. I've wasted rebates and rebate cards so much that I've sworn off rebates. I don't consider the rebate when buying things, a...
by inbox788
Mon Dec 29, 2014 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much more do rebate cards cost than checks?
Replies: 13
Views: 778

Re: simplest account setup for retired married couple (Vangu

I would have individual accounts for each parent with you as an "authorized agent" for each parent's account. This would allow you to make exchanges, etc. & you would see both of your parents accounts on your Vanguard screen along with you own Vanguard account information. Each parent...
by inbox788
Sat Dec 27, 2014 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: simplest account setup for retired married couple (Vanguard)
Replies: 9
Views: 1870

Re: Does anyone own iPad Air 2?

I ordered the ipad air through their online site - does it come with the T Moble Sim or must I go to the store to get it? How can I know?? Also it game in an ipad Air box and on the item I just says ipad air .... Did they send the wrong one or do none of them have the number "2" on them? ...
by inbox788
Tue Dec 23, 2014 5:08 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone own iPad Air 2?
Replies: 18
Views: 3063

Re: new computer for wireless network

Do you mean that you want to use this computer to connect to a wireless router or that your existing computer is wired to the router and you are using the computer as a wireless access point? The DSL cable goes to the router, and an ethernet cable goes from the desktop computer to the router. (It's...
by inbox788
Mon Dec 22, 2014 1:02 pm
 
Forum: Personal Consumer Issues
Topic: new computer for wireless network
Replies: 22
Views: 1652

Re: new computer for wireless network

I want to replace an old desktop at home. For the most part, it is only used to connect the DSL then to the router for a wireless network . I may install iTunes and Microsoft Office, that's about it. What do you think is the best option? Thanks. Are you saying the desktop connects the router to the...
by inbox788
Mon Dec 22, 2014 12:59 pm
 
Forum: Personal Consumer Issues
Topic: new computer for wireless network
Replies: 22
Views: 1652

Re: new computer for wireless network

smackboy1 wrote:Make sure the wifi card supports at least 5G


That would be useless if he doesn't have a 5G router. Also, 802.11G may be adequate if he's not in a crowded area and doesn't need HD streaming capabilities.
by inbox788
Mon Dec 22, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: new computer for wireless network
Replies: 22
Views: 1652

Re: What desktop should I buy.

Between DW and I, we have used 3 HP laptops in the last 8 years and our current laptops are so sluggish and always acting up. I feel they make these laptops not to last too long. So we have decided to shop for a desktop. We don't want something too fancy but something that can last at least 10 year...
by inbox788
Thu Dec 18, 2014 6:29 pm
 
Forum: Personal Consumer Issues
Topic: What desktop should I buy.
Replies: 36
Views: 2714

Re: Vanguard's stockpickers outperform.... [news article]

IMO, there are probably some adjustments that need to be made to the comparisons. The funds are probably not being compared to comparable risk adjusted index funds (i.e. equal weight SP500 outperforms market cap weight SP500). Also, there's probably an element of survival bias, where the lesser perf...
by inbox788
Wed Dec 17, 2014 10:17 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's stockpickers outperform.... [news article]
Replies: 61
Views: 3593

Re: Got Stock option with a new job - Is it good ?

I got a new job in a startup company Is this a startup or a public company? If a private company doesn't go public, your options may wind up worthless. How close to going public is the company? How many employees? Annual revenue? Any profits? What is your role in the company? Any of this informatio...
by inbox788
Tue Dec 16, 2014 11:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Got Stock option with a new job - Is it good ?
Replies: 9
Views: 1227

Re: Is monthly rebalancing too frequent?

For what purpose? Why not weekly or daily? There are people/funds who do this professionally, and the more you need to balance the more you need to consider whether the benefits outweigh the costs. http://www.bogleheads.org/wiki/Rebalancing The external reference to opportunistic rebalancing is inte...
by inbox788
Fri Dec 12, 2014 2:37 pm
 
Forum: Investing - Theory, News & General
Topic: Is monthly rebalancing too frequent?
Replies: 26
Views: 1559

Re: I need to accumulate $30k over the next 2 years, how?

Perhaps do some work on the side? A part-time second job for a while would easily give you the $$. Some elective surgeries may be tax deductible with the right kind of job: http://www.huffingtonpost.com/julian-block/tax-court-upholds-busines_b_5292707.html Seriously, time the surgery so you can use...
by inbox788
Tue Dec 09, 2014 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need to accumulate $30k over the next 2 years, how?
Replies: 59
Views: 4111

Re: Why have more US than Intl Market Index?

The proportion is more like 52/48 the last time I checked. The reason to favor US is currency risk. From the perspective of a dollar investor (one who needs dollars to spend), an international company has the usual stock risks, but on top of it they have the risk that the company's predominant earn...
by inbox788
Mon Dec 08, 2014 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: Why have more US than Intl Market Index?
Replies: 65
Views: 4351

Re: Balance based glide path

Look at absolute values, and the steps seem a bit arbitrary. Seems an algorithm that's more continuous would make more sense, like under $1M, invest mostly in stocks, over $2M invest half/half, and in-between, limit stocks to around $800-900k stock exposure and add mostly to bonds. balance stocks bo...
by inbox788
Mon Dec 08, 2014 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Balance based glide path
Replies: 12
Views: 1060

Re: Help Creating the most tax efficient allocation with $10

i have $102,000 in stocks in a taxable account that i will be liquidating and would like suggestions on what funds i should buy to make it the most tax efficient since it will be in a taxable account this money wont be used for atleast 7 to 10 years Is it cash or stocks/funds/ETFs? Most tax efficie...
by inbox788
Sun Nov 23, 2014 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Creating the most tax efficient allocation with $100k
Replies: 4
Views: 545

Re: Help: Three Fund Portfolio at Fidelity

Thanks. How close is this fund to the indiviual 3-fund portfolio that many use at VG? Respectfully, I would hope that one day everyone would feel confident enough in looking that up for themselves. After all, it is their own money that they are investing and not ours. Sometimes this is called "...
by inbox788
Sun Nov 23, 2014 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 36
Views: 4232

Re: Dog food - how cheap is too cheap?

Our dog has eaten Purina One since he was a pup. When all the recalls occurred because of contaminated Chinese ingredients, Purina One was not impacted. Even though more "upscale" dog foods were recalled. If you had to categorize Purina One as either cheap or expensive, which would it be?...
by inbox788
Sun Nov 23, 2014 1:43 pm
 
Forum: Personal Consumer Issues
Topic: Dog food - how cheap is too cheap?
Replies: 64
Views: 7813

Re: Bumped out of first class at boarding - compensation?

I just scanned the responses, so I may have missed a similar replay, but my understanding is that you had 2 US Air first class tickets and you were bumped from 2 first class seats. Ignoring how they were paid, you are owed 2 first class seats on US Air, so you would ask for those 2 first class seats...
by inbox788
Sun Nov 23, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Bumped out of first class at boarding - compensation?
Replies: 61
Views: 8725
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