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Re: My IPS in computer pseudocode

So at age 85 you are 100% bonds, and at age 90 you buy bonds on margin?

- Joppy
by joppy
Sat Aug 02, 2014 1:16 am
 
Forum: Investing - Help with Personal Investments
Topic: My IPS in computer pseudocode [Investment Policy Statement]
Replies: 23
Views: 2466

Re: Another ESPP thread, with some specifics - Risk Analysis

Because the ESPP is considered an "option", you have to wait for 2 years from the grant date and 1 year from the exercise date to qualify for long term capital gains. So you would have to hold stock for 18 months after receiving it to qualify for long term capital gains. Additionally, even...
by joppy
Sat Jun 14, 2014 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another ESPP thread, with some specifics - Risk Analysis
Replies: 21
Views: 1231

Re: ESPP Shares - What to do?

Assuming you are allowed to buy up to 10% of your salary at 15% discount, every 6 months. So, if you hold until the end of the 18 month holding period, you will have received 4 lots of ESPP shares having invested about 20% of your salary. If you have a solid 6-month to 1-year emergency fund, and hav...
by joppy
Fri Apr 18, 2014 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: ESPP Shares - What to do?
Replies: 19
Views: 1472

Re: Cancellation fee from health provider - feeling ripped o

Two possibilities: 1. The "billing office" is trying to pull a fast one. Talk to the "health-care provider" at your next appointment, and tell them why you are unhappy and ask that the billing issue be fixed. 2. The health-care provider also bills your insurance, and when you are...
by joppy
Mon Feb 17, 2014 9:16 pm
 
Forum: Personal Consumer Issues
Topic: Cancellation fee from health provider - feeling ripped off
Replies: 30
Views: 2090

Re: Capital One Quicksilver: 1.5% reward, thoughts?

Note that the Fidelity VISA, which gives 1.5% on the first $15,000 of charges and then 2.0% thereafter, is economically equivalent to a VISA card that gives unlimited 2.0% cash back beginning with the first dollar spent, but with a $75 annual fee. No, it isn't economically equivalent. Lots of peopl...
by joppy
Mon Nov 25, 2013 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Capital One Quicksilver: 1.5% reward, thoughts?
Replies: 91
Views: 8897

Re: Software Donation Question

If Apple hires engineers to build an iPhone, then they can deduct the salaries of the engineers. If later they decide to donate 100 iPhones to charity, they can also deduct the "value" of the iPhones they are donating. So the fact that the engineering expense was deducted, doesn't take awa...
by joppy
Sat Nov 16, 2013 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Software Donation Question
Replies: 12
Views: 552

Re: Rebalancing dilemma – pay the tax or let it ride?

Two thoughts:

1. Minimize regret.

2. What does your Investment Policy Statement (IPS) say you should do?

Joppy
by joppy
Sun Aug 11, 2013 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing dilemma – pay the tax or let it ride?
Replies: 16
Views: 970

Re: Any reason to track specific lots in a Roth?

If you have the same security in a Roth IRA and a taxable account, then you create a wash sale if you sell at a loss in your taxable and buy the same security within +/- 30 days in your Roth IRA. You need to know *when* you bought which securities in your Roth IRA, in order to ensure you don't creat...
by joppy
Sun Aug 04, 2013 12:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Any reason to track specific lots in a Roth?
Replies: 1
Views: 288

Re: Broker giving me the runaround on commissions.

You operate and optimize under the constraints you are given. Figure out what it would cost in commissions to get to a simple three, four or five fund portfolio of ETFs in approximately the right allocations for your dad. If you have muni's etc, treat them as part of the bond allocation. Get out of ...
by joppy
Sat Jun 22, 2013 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Broker giving me the runaround on commissions.
Replies: 25
Views: 2353

Re: Medical Insurance while on FMLA

Tell payroll to deduct your 8 weeks of future medical insurance payments from your current paycheck(s). They can do that pretax.

- Joppy
by joppy
Sat Jun 22, 2013 2:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Medical Insurance while on FMLA
Replies: 3
Views: 295

Re: Stopping payment on a lost check

Stop the payment, but shouldn't the friend who lost the check pay the $35 fee?

- Joppy
by joppy
Sun May 26, 2013 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Stopping payment on a lost check
Replies: 13
Views: 2548

Re: Get 5% back on credit card purchases.

Here is a round about way to get 5% back on credit card purchases. It might be more trouble than it is worth http://creditcardforum.com/rewards/1116-amazon-credit-card-review-rewards-ripoff.html The article mentions that the Chase Ink cards are "business" cards. One of the differences bet...
by joppy
Sat May 18, 2013 12:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Get 5% back on credit card purchases.
Replies: 20
Views: 3189

Re: Investment Firm/Brokerage Firm Question

There's a big difference in starting the differnece types of firms If you start a brokerage firm, you sell products and earn commissions. ... To start an advisory firm, you don't earn commissions selling prodcuts. ... Additional note, if you start an advisory firm, clients don't "give" yo...
by joppy
Sat May 18, 2013 12:16 am
 
Forum: Investing - Theory, News & General
Topic: Investment Firm/Brokerage Firm Question
Replies: 3
Views: 322

Re: Window Blinds - Bali, Levolor, Hunter Douglas

Thank you so much, all of you for your comments. Special thanks to redlbj01 --- I really appreciate getting this "insider" view. I had a few follow up questions: 1. How deep a window is necessary for Roman Blinds? 2. For roller blinds made from white linen, the documentation claims "l...
by joppy
Mon Apr 22, 2013 2:10 am
 
Forum: Personal Consumer Issues
Topic: Window Blinds - Bali, Levolor, Hunter Douglas
Replies: 18
Views: 14297

Window Blinds - Bali, Levolor, Hunter Douglas

New to this home ownership shindig, and have to figure out what kind of blinds to get. In terms of brands, I want something that will not have a cheap, rickety mechanism that gets stuck and causes annoyance. Otherwise want relatively plain vanilla blinds that are inexpensive and reliable. Home Depot...
by joppy
Sun Apr 14, 2013 10:09 pm
 
Forum: Personal Consumer Issues
Topic: Window Blinds - Bali, Levolor, Hunter Douglas
Replies: 18
Views: 14297

Re: Help with Form 8606

I am pretty sure I reported the Roth conversion correctly. I am going to use a prior basis of 0.

Thanks everyone.

- Joppy
by joppy
Fri Apr 05, 2013 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with Form 8606
Replies: 4
Views: 630

Help with Form 8606

Before Roth IRAs existed, I contributed to traditional IRAs. When Roth IRAs were created, I converted all my traditional IRAs to Roth IRAs (late 90s). This year I made a traditional IRA contribution and am filling out Form 8606. What should I enter as my "total basis" in traditional IRAs? ...
by joppy
Wed Apr 03, 2013 12:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Help with Form 8606
Replies: 4
Views: 630

Re: How to title Bank (& other) accounts with living trust?

I am not a lawyer, caveat emptor. In general, the lawyer who drafted the trust should know best about the trust he drafted. Your attorney friend *may* know better, but only if he has read your trust documents, not if he is just giving friendly advice about trusts in general (like I am :-)), without ...
by joppy
Mon Feb 18, 2013 12:25 am
 
Forum: Personal Finance (Not Investing)
Topic: How to title Bank (& other) accounts with living trust?
Replies: 2
Views: 356

Re: Short Term Corporate Bond Risk: CSJ vs. VCSH

Take a look at the number of holdings of VCSH and CSJ.

CSJ has 783 holdings and VCSH has 1350 holdings. Just another characteristic to add to the mix.

Cheers,
Joppy
by joppy
Tue Feb 12, 2013 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Short Term Corporate Bond Risk: CSJ vs. VCSH
Replies: 6
Views: 1069

Re: Donate to Charity With ESPP?

Hmm. I could have sworn that when I joined the company they told me that if I held onto the stock for a particular time period, it is taxed as capital gains and not ordinary income. If that's the case (it is taxed as income), then I should just sell immediately and put the money into a diversified ...
by joppy
Thu Nov 22, 2012 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Donate to Charity With ESPP?
Replies: 16
Views: 668

Re: Is asking about individual stocks frowned upon?

Another reason to hold individual stocks might be if your employer gives you compensation in the form of stock. For example, Restricted Stock Units (RSU), Incentive Stock Options (ISO), Non-qualified Stock Options (NSO), employee stock purchase plans (ESPP), and direct stock grants. There are a vari...
by joppy
Sun Nov 11, 2012 10:52 pm
 
Forum: Investing - Theory, News & General
Topic: Is asking about individual stocks frowned upon?
Replies: 37
Views: 2734

Re: American Express Arbitration

I have a similar opt out provision on my Costco amex card. However, the description of the opt out includes the following: "Rejecting the Arbitration provision will not affect your ability to use your card or any other benefit, product, or service you may have with your account." If you t...
by joppy
Thu Oct 25, 2012 11:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: American Express Arbitration
Replies: 8
Views: 1568

Re: American Express Arbitration

Many businesses put mandatory arbitration clauses in their customer service agreements. In most cases they are non-negotiable. Its certainly possible that Amex will close your account if you opt-out. Hmm, but this isn't a "mandatory" arbitration. In fact, it has an "opt-out" cla...
by joppy
Tue Oct 23, 2012 12:02 am
 
Forum: Personal Finance (Not Investing)
Topic: American Express Arbitration
Replies: 8
Views: 1568

Re: Collection from phone services from years ago

It sounds like you think you don't owe them any money but you are not sure. If *their* records are bad, you may have paid but they might ask you for money again anyway. Obviously, if in good faith you do believe you owe money, then you should pay it. If you do decide to pay it, make sure you get a w...
by joppy
Tue Oct 23, 2012 12:00 am
 
Forum: Personal Consumer Issues
Topic: Collection from phone services from years ago
Replies: 2
Views: 443

American Express Arbitration

I just looked at my Amex Blue Cash Card statement and it comes with a new arbitration policy and an arbitration opt-out. I can reject the "mandatory arbitration" until February 15, 2013. Is there a benefit to opting out of mandatory arbitration? Or is there essentially no benefit? It is po...
by joppy
Mon Oct 22, 2012 12:57 am
 
Forum: Personal Finance (Not Investing)
Topic: American Express Arbitration
Replies: 8
Views: 1568

Re: CRSP and MSCI: comparing US indexes

The table appears to have an error in it. The image says that CRSP mid-cap stocks cover from 71% to 85% of the capitalization. It also says that first 70% of capitalization corresponds to companies 1 to 284, and the first 85% of capitalization corresponds to companies 1 to 646. These two pieces of i...
by joppy
Thu Oct 04, 2012 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: CRSP and MSCI: comparing US indexes
Replies: 21
Views: 2669

Re: Should I forget about tax adjusting my AA?

See my comment in a previous thread.

- Joppy
by joppy
Wed Oct 03, 2012 2:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I forget about tax adjusting my AA?
Replies: 8
Views: 641

Re: Graphing Calculators

If your HS student is serious about graphing, I would suggesting downloading Octave on the computer for them and teaching him/her how to use it to generate plots. For example, the following commands plot x^2 from -10 to 10 in steps of 2. x = -10:2:10; y = x.*x; plot(x,y); Yes, a calculator is probab...
by joppy
Sat Sep 15, 2012 8:24 pm
 
Forum: Personal Consumer Issues
Topic: Graphing Calculators
Replies: 38
Views: 2456

Re: wedding photos and hi-res digital images

Should I just settle for 1800 x 1200, which seems like it may just be good enough for up to 8x10 prints? Or is there a better strategy here? Boglehead advice would be helpful here... From a money perspective, most of the people ordering photos are going to do so within the first year. Why not ask t...
by joppy
Sat Sep 08, 2012 10:22 pm
 
Forum: Personal Consumer Issues
Topic: wedding photos and hi-res digital images
Replies: 53
Views: 3285

Re: Bogle mortgage guidelines

What's your question? What are you trying to decide? Are you trying to buy or sell a house? Based on your question you are saving $47K per year, and have $163K per year of free cash flow that you are not saving, and a net worth of ~$550K. The standard Boglehead recommendation would be to bank as muc...
by joppy
Sat Sep 08, 2012 10:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogle mortgage guidelines
Replies: 9
Views: 2245

Re: Quirk in trading violation rules in cash account

That is a liquidation violation and it occurred at day 1. You paid for the new shares with the proceeds from the sale, but because the sale was a day after, funds would not be available in time to pay for the purchase. What you did on any 2 was irrelevant from a regulatory perspective. You either s...
by joppy
Fri Sep 07, 2012 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quirk in trading violation rules in cash account
Replies: 14
Views: 1219

Re: 529 plan question

I am not sure what source you are looking for. 1. There is no State penalty for non-qualified 529 withdrawals. There is a "recapture" provision in some States, but that is a totally different thing. 2. You pay income taxes to your State, not some other State (except if you've earned wages...
by joppy
Fri Sep 07, 2012 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 plan question
Replies: 4
Views: 660

Re: 529 plan question

hsv_climber wrote:No, the "other" state won't charge you anything in any situation.


Thanks! Do you have a reference for that? I searched online but couldn't come up with the proper search terms.

Cheers,
Joppy
by joppy
Fri Sep 07, 2012 12:49 am
 
Forum: Personal Finance (Not Investing)
Topic: 529 plan question
Replies: 4
Views: 660

529 plan question

What are the state tax implications of a "non-qualified" withdrawal from a 529 plan? Specifically, I know (a) there is a federal penalty for non-qualified withdrawals in addition to the tax on earnings (b) your state may add its own penalty for non-qualified withdrawals I want to know -- i...
by joppy
Thu Sep 06, 2012 2:40 am
 
Forum: Personal Finance (Not Investing)
Topic: 529 plan question
Replies: 4
Views: 660

Re: Cheapest way to reap $3k tax value "loss" every year?

bberris wrote:
joppy wrote:IRS has figured this one out and disallowed it.

Cheers,
Joppy

Link?


Sorry, my mistake. I was thinking of "shorting-against-the-box" and "constructive-sale" when I posted. I hadn't thought about similar but not identical short and long funds.

- Joppy
by joppy
Wed Sep 05, 2012 11:32 pm
 
Forum: Investing - Theory, News & General
Topic: Cheapest way to reap $3k tax value "loss" every year?
Replies: 31
Views: 2926

Re: Cheapest way to reap $3k tax value "loss" every year?

What are the IRS rules that come into play here? If you leave out the desire to realize $3000 in losses for tax purposes, buying both the short and long side are sort of the essence of hedging. Are losses incurred in hedging disallowed? This would be good to know. These are guesses ... so please ve...
by joppy
Wed Sep 05, 2012 1:49 am
 
Forum: Investing - Theory, News & General
Topic: Cheapest way to reap $3k tax value "loss" every year?
Replies: 31
Views: 2926

Re: Cheapest way to reap $3k tax value "loss" every year?

IRS has figured this one out and disallowed it.

Cheers,
Joppy

Edit: This post is wrong. I was thinking about "shorting-against-the-box" and "constructive-sale" when I posted this. Sorry.

Joppy
by joppy
Wed Sep 05, 2012 12:30 am
 
Forum: Investing - Theory, News & General
Topic: Cheapest way to reap $3k tax value "loss" every year?
Replies: 31
Views: 2926

Re: donating appreciated securities question

So in your example XYZ would be better to donate, right? I'm thinking like Jeff, that it is as simple as it looks (highest dollar amount) but for some reason I'm having second thoughts. It is always better to donate shares with the highest percentage gains. (Caveats: assuming they have been held lo...
by joppy
Tue Sep 04, 2012 12:48 am
 
Forum: Investing - Theory, News & General
Topic: donating appreciated securities question
Replies: 7
Views: 428

Re: AMEX card compromised....

Very common. itunes is also a comm on target. it happens, you deal, and life moves on. if it is a credit card linked to automatic payments, the hassle factor goes way up. Sorry you have now joined this growing club After having my cards compromised a couple of times, I now use a separate credit car...
by joppy
Mon Sep 03, 2012 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: AMEX card compromised....
Replies: 11
Views: 1385

Re: Best HSA for index fund investing?

Depends on how much money you have to put into an HSA. You can put a maximum of $3100 to $6250 per year in 2012 depending on whether you have an individual or family plan (it is slightly higher in 2013). It may be best to start putting money into an HSA savings account instead of a brokerage account...
by joppy
Tue Aug 21, 2012 12:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Best HSA for index fund investing?
Replies: 6
Views: 1188

Re: Market at-the-close orders?

This Index Universe Article includes a warning of the risk of market-on-close orders. In order to be fair to everyone, the orders have to execute at the best price to fill all of the orders. If there are 900 shares on offer at $20.05 and 100 at $20.10, and 1000 shares are bought market-on-close, al...
by joppy
Tue Aug 14, 2012 3:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Market at-the-close orders?
Replies: 10
Views: 1226

Re: Market at-the-close orders?

Is placing an order for an "at-the-close" price for an ETF effectively sidestepping the cost of the bid-ask spread? Maybe. There is still a limit-on-close bid ask book, and you will execute your market on close order against that and the other market orders. You might get matched with a m...
by joppy
Wed Aug 08, 2012 11:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Market at-the-close orders?
Replies: 10
Views: 1226

Market at-the-close orders?

What happens to the bid-ask spread for market at-the-close orders? Is placing an order for an "at-the-close" price for an ETF effectively sidestepping the cost of the bid-ask spread? Is an at-the-close market order risky to place for a low volume ETF? Here is some information from NYSE abo...
by joppy
Wed Aug 08, 2012 2:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Market at-the-close orders?
Replies: 10
Views: 1226

Re: forced to take PTO days

Glass half full ... 1. Some companies allow you to take time off without pay instead of spending your PTO days. If you value personal time over money (at the margins), you can effectively get unpaid leave without having to "request" it as a favor, and keep your PTO days for when you want t...
by joppy
Thu Jul 26, 2012 10:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: forced to take PTO days
Replies: 34
Views: 3487

Re: New "Fallen Angel" bond ETF.

I am quite intrigued -- this is the first I have heard of fallen angel bonds. I have heard that microcap (stock) performance is enhanced by filtering out "fallen angels" that are just "passing through" before going bankrupt, as opposed to true microcap stocks. I believe DFA and B...
by joppy
Mon Jul 16, 2012 2:12 am
 
Forum: Investing - Theory, News & General
Topic: New "Fallen Angel" bond ETF.
Replies: 12
Views: 2057

Re: Dental Office Keeps Doing Uncovered Services

Background Information: The fact that your dentist "takes" Delta doesn't mean that he is in network. He could also just be out of network, and billing Delta as an out of network dentist, and charging you for the difference. Secondly, Delta dental is particularly sneaky in the way they hand...
by joppy
Sun Jul 15, 2012 10:25 pm
 
Forum: Personal Consumer Issues
Topic: Dental Office Keeps Doing Uncovered Services
Replies: 11
Views: 1542

Re: Car wreck: Allstate gives 3 days to find a new car?!

The other part of the medical bills is that her medical insurance pays first. She then recovers from her car insurance or the other party's car insurance. Then her medical insurance tries to recover *all* of their costs from the car insurance payout, via a process called subrogation. (They may even ...
by joppy
Thu Jul 12, 2012 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Car wreck: Allstate gives 3 days to find a new car?!
Replies: 15
Views: 2128

Re: Car wreck: Allstate gives 3 days to find a new car?!

It is worth talking to a lawyer. Not for the car but for the medical part of this whole ordeal. Lawyers will talk to you for free for the initial visit. They use the initial visit to figure out whether it is worth their time and risk, and you use it to figure out whether you are comfortable with the...
by joppy
Thu Jul 12, 2012 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Car wreck: Allstate gives 3 days to find a new car?!
Replies: 15
Views: 2128

Re: power of attorney woes

Thanks for all the comments. Keep them coming. Interestingly, and apparently, the manner in which a POA signs is extremely important in segregating liability. Nursing homes are prohibited from requiring third party guarantees as a condition of admission, but often have confusing language "allow...
by joppy
Fri Jul 06, 2012 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: power of attorney woes
Replies: 8
Views: 1383

Re: power of attorney woes

I called a friend who is an attorney and the way it was explained to me was by having power of attorney you are now in control of the party's bank accounts, and from those accounts you can pay bills and obligations on the party's behalf. Right. You have the legal authority to act on that person's b...
by joppy
Fri Jul 06, 2012 1:22 am
 
Forum: Personal Finance (Not Investing)
Topic: power of attorney woes
Replies: 8
Views: 1383
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