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Re: please help me understand this stock award

Sounds like on the date of grant you will get $80,000 valued option. So say the stock closes at $20 on the date of the grant. Your award would be 4,000 shares at a $20 strike price. Since these shares vest over annual periods, the first 1,000 shares (25% of the shares granted) would vest a year aft...
by mhc
Fri Mar 27, 2015 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: please help me understand this stock award
Replies: 19
Views: 578

Re: Can bonds & stocks BOTH be negative?

Sometimes stocks/bonds are positively correlated and sometimes not. I think the key is that bonds tend not to move as much as stocks. This lowers the volatility of your portfolio. When they happen to be negatively correlated, then the volatility is reduced even more.
by mhc
Wed Mar 25, 2015 3:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can bonds & stocks BOTH be negative?
Replies: 14
Views: 1007

Re: Taxable Account Investing Question?

Yes
Yes
Yes
Yes

It looks like your understanding is correct.

How's your emergency fund?
by mhc
Wed Mar 25, 2015 9:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxable Account Investing Question?
Replies: 2
Views: 235

Re: Please help ..hit with AMT

When I do my taxes (Turbotax), there are additional forms for AMT, and if I remember correctly, there is a line item on the back of the 1040 which shows the amount of AMT that you have to pay. If you pay is going to be lower this year, you could recharacterize your Roth conversion, and then convert ...
by mhc
Tue Mar 24, 2015 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help ..hit with AMT
Replies: 10
Views: 1180

Re: Please help ..hit with AMT

Are you saying that converting $35k form IRA to Roth doubled your tax liability? That doesn't sound right. How much AMT did you get hit with?

If you can undo the conversion and instead get the IRA into a 401k, you could still do the backdoor roth.
by mhc
Tue Mar 24, 2015 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help ..hit with AMT
Replies: 10
Views: 1180

Re: Developed & Emgerging vs Total International?

talltodd,

makes sense as long as you don't have to pay too much in taxes.
by mhc
Mon Mar 23, 2015 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Developed & Emgerging vs Total International?
Replies: 7
Views: 732

Re: Company Savings plan-was Riffed, Now what

Welcome to the forum!

If you move the 401k to an IRA, you may complicate a backdoor Roth if you ever desire to do so.
by mhc
Mon Mar 23, 2015 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Company Savings plan-was Riffed, Now what
Replies: 14
Views: 1908

Re: Better place to keep money than savings account?

Welcome to the forum!

If you plan on spending the money in the next 1-2 years and you don't want to lose any of it, then a savings account is about as good as it gets. You will lose a little to inflation every year.
by mhc
Mon Mar 23, 2015 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Better place to keep money than savings account?
Replies: 20
Views: 3145

Re: Splitting a Food Tab on a Combined Birthday Lunch

Luke and John pay everything for Matthew and Mark's B-day lunch.
Matthew and Mark pay everything for Luke and John's B-day lunch.
Everyone pays $42/year.
by mhc
Sat Mar 21, 2015 10:15 pm
 
Forum: Personal Consumer Issues
Topic: Splitting a Food Tab on a Combined Birthday Lunch
Replies: 54
Views: 3652

Re: Total Stock Market composition

Here is a good tool: http://portfolio.morningstar.com/Rtport/Free/InstantXRayDEntry.aspx Look up the 9-box on Morningstar for Vanguard Total Stock Market Index. Then put your 3 funds into the instant x-ray tool. Play with the ratios until it is close enough to the Total Stock Market fund. I wouldn't...
by mhc
Fri Mar 20, 2015 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market composition
Replies: 6
Views: 676

Re: Taxable investing "schedule"

Looking at the historical ex-dividend dates for those two funds it appears they are all paid on the 26th of the month or before. So in a taxable account I'd set my deposits for the 27th or later to avoid the possibility of "buying the dividend" every 3rd month. This is correct, but not ve...
by mhc
Fri Mar 20, 2015 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable investing "schedule"
Replies: 12
Views: 684

Re: What Age Did You First Ponder Financial Independence?

Age 5 or 6. My dad asked me if I would rather be given $1000 or a penny the first day and then given twice as much every day for a month. I pulled out my calculator and decided I would take the penny and then doubled every day for a month. I thought with that much money I would be set for life. You...
by mhc
Fri Mar 20, 2015 12:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Age Did You First Ponder Financial Independence?
Replies: 74
Views: 6640

Re: Taxable investing "schedule"

There are several ways to do it, but there is probably very little material difference between them: 1. $1000 to whatever is lagging 2. split the $1000 to each fund in the correct amount to rebalance 3. $1000 to fund A until Admiral status, then fund B until Admiral status, then follow #1 or #2 abov...
by mhc
Fri Mar 20, 2015 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxable investing "schedule"
Replies: 12
Views: 684

Re: An inspiring message for Bogleheads

Thanks for the post.

Maybe Peter put in some serious overtime. When I was his age, working 60+ hours a week was common.
by mhc
Fri Mar 20, 2015 8:29 am
 
Forum: Investing - Theory, News & General
Topic: An inspiring message for Bogleheads
Replies: 56
Views: 4170

Re: What Age Did You First Ponder Financial Independence?

Age 5 or 6. My dad asked me if I would rather be given $1000 or a penny the first day and then given twice as much every day for a month. I pulled out my calculator and decided I would take the penny and then doubled every day for a month. I thought with that much money I would be set for life.
by mhc
Thu Mar 19, 2015 7:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Age Did You First Ponder Financial Independence?
Replies: 74
Views: 6640

Re: In 39% Tax Bracket does a Roth make sense?

Your analysis is correct. Doing a Roth 401k does not make sense because of your marginal tax rate. It is quite likely you will be able to keep your marginal tax rate below that in retirement, especially if you retire early.
by mhc
Thu Mar 19, 2015 7:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: In 39% Tax Bracket does a Roth make sense?
Replies: 18
Views: 2876

Re: Anyone concerned about their bond holdings?

seems like an interest hike may be on the near horizon. some are saying June perhaps Yes, I am a little concerned. Everyone else is as well. No one likes to see a reduction in their net worth. Not true. Not everyone is concerned. I expect my investments to move up and down. That's the way it goes.
by mhc
Thu Mar 19, 2015 4:56 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 5582

Re: Do you have and auto loan?

1988 - cash for used car
1992 - loan for new car
1995 - loan for new car
1999 - loan for new car
2003 - cash for new car
2006 - cash for new car
2007 - cash for used car
by mhc
Thu Mar 19, 2015 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] Do you have an auto loan?
Replies: 63
Views: 3448

Re: Anyone concerned about their bond holdings?

No.

If you are concerned about your bonds, you should be terrified by your equities.
by mhc
Thu Mar 19, 2015 10:49 am
 
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 5582

Re: Is Now a Good Time to Decrease Stock Index Allocation?

If 80/20 is really troubling you and you want to permanently lower your AA, then a big change is fine. Otherwise, you should probably only change a few percentage points a year.
by mhc
Tue Mar 17, 2015 8:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Now a Good Time to Decrease Stock Index Allocation?
Replies: 9
Views: 1515

Re: Value of Capital Gains Tax Deferral

What a strange state of mind we have come to when the government not taking our money immediately is thought of as a loan.

I am not opposed to taxes, but the money is ours.
by mhc
Sat Mar 14, 2015 7:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Value of Capital Gains Tax Deferral
Replies: 9
Views: 763

Re: An arm and a leg ... for a middle finger?

ShiftF5 wrote:
mhc wrote:In the future you should ask the cost up front.

Good luck with that.


I have successfully done it. Why do people not ask and then get surprised at the cost?

It's your money and your health.
by mhc
Thu Mar 12, 2015 11:41 pm
 
Forum: Personal Consumer Issues
Topic: An arm and a leg ... for a middle finger?
Replies: 32
Views: 3438

Re: An arm and a leg ... for a middle finger?

In the future you should ask the cost up front.
by mhc
Thu Mar 12, 2015 7:02 pm
 
Forum: Personal Consumer Issues
Topic: An arm and a leg ... for a middle finger?
Replies: 32
Views: 3438

Re: [Poll] How long did you hold primary residence mortgage?

Just shy of 7 years. I wanted to be debt free by 40. I made it with 6 weeks to spare.
by mhc
Thu Mar 12, 2015 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] How long did you hold primary residence mortgage?
Replies: 34
Views: 2670

Turbotax prices going up March 27

Prices are going up March 27. https://retirementplans.vanguard.com/VGApp/pe/PubVgiNews?ArticleName=TTaxIncrease As a Vanguard shareholder, you can receive a substantial discount off the regular price of TurboTax OnlineSM and Desktop Download products. Our pricing for both products can represent a si...
by mhc
Thu Mar 12, 2015 11:45 am
 
Forum: Investing - Theory, News & General
Topic: Turbotax prices going up March 27
Replies: 5
Views: 619

Re: Another take on Vanguard questionnaire: NYTimes

An entertaining, well written story. To me, this emphasizes the important role financial planners can play in the life of the average person. Unfortunately, the people who need expert advice the most are often the people who can least afford it. I think I came to the opposite conclusion. The author...
by mhc
Thu Mar 12, 2015 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Another take on Vanguard questionnaire: NYTimes
Replies: 42
Views: 3947

Re: How much house can we afford by Boglehead standards?

I think your $170-180k seems reasonable. To be sure you should do a mock budget and see if it works. Use a mortgage calculator to see how much you would have to pay a month. You should also be able to go on line at your county website and see how much taxes would be on a $180k house. Then, talk to y...
by mhc
Wed Mar 11, 2015 8:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much house can we afford by Boglehead standards?
Replies: 31
Views: 4497

Re: equity index fund for taxable account

I would go with a Total Stock Market (TSM) Index or Total International Stock Market (TISM) Index for taxable account. Here is a wiki article which discusses some of the issues.

https://www.bogleheads.org/wiki/Principles_of_tax-efficient_fund_placement
by mhc
Tue Mar 10, 2015 2:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: equity index fund for taxable account
Replies: 3
Views: 387

Re: Ideal next job knocked too soon

Ideal jobs do not come around every day. I would go for it. Would you have to pay back the entire sign on bonus or a pro-rated amount? I don't know about your area, but where I live the rental market is very hot. If the terms of the lease are you pay if they can't re-rent it, then that may not be a ...
by mhc
Mon Mar 09, 2015 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Ideal next job knocked too soon
Replies: 20
Views: 1653

Re: Poll: Do you consider mortgage payments an investment?

The principal pay down on a mortgage (or other debt) is investment. That's a fact not subject to a popularity poll. You can ask lots of factual questions to which some or most people will give the wrong answer, it doesn't change the right answer. As was mentioned above, if paying down debt isn't in...
by mhc
Mon Mar 09, 2015 9:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Do you consider mortgage payments an investment?
Replies: 58
Views: 3663

Re: Poll Is a mortgage payment an investment

Principal payment is saving (moving money from one bucket to another). I do not consider buy things that have no expected real return to be an investment. The parts of the mortgage payment that are not principal is not saving. Investopedia DEFINITION of 'Investing' The act of committing money or cap...
by mhc
Sun Mar 08, 2015 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Do you consider mortgage payments an investment?
Replies: 58
Views: 3663

Re: No prospectus available

There might not be a prospectus because it may not be a mutual fund. My 401k uses CITs, so there are only fact sheets. Did you read the fine print on the fact sheet? I don't think it is a mutual fund. It may not be regulated by the SEC.
by mhc
Sun Mar 08, 2015 12:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: No prospectus available
Replies: 9
Views: 572

Re: I hate the new Vanguard Web navigation!!!

I played around with the new site yesterday. It really didn't seem that different to me. I don't care for the latest update to the Fidelity site.
by mhc
Sun Mar 08, 2015 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: I hate the new Vanguard Web navigation!!!
Replies: 47
Views: 4520

Re: Balancing Savings Goals

You are getting a good start on the right track. Many of us were much older before we found BH and started getting our financial houses in order. You are starting at a very early age. This will hopefully keep you from making the dumb mistakes many of us have made. Enjoy life and your DW. It takes a ...
by mhc
Sat Mar 07, 2015 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Delete
Replies: 5
Views: 543

Re: Can I Retire?

A back of the envelop approximation would say SS would more than compensate for you pension not tied to inflation. I would bet you are good to go. I would try firecalc.com and the Fidelity Retirement Income Planner. We are all just playing the odds. The two calculators will show there is a wide rang...
by mhc
Sat Mar 07, 2015 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I Retire?
Replies: 16
Views: 2274

Re: Can I Retire?

If your pension increases with inflation, then it is a no brained, yes. If no, will you get SS?
by mhc
Sat Mar 07, 2015 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I Retire?
Replies: 16
Views: 2274

Re: Back Door Roth IRA question

Spousal income counts. You must have as much income between the two of you as you contributed.
by mhc
Sat Mar 07, 2015 8:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth IRA question
Replies: 2
Views: 216

Re: Boglehead degree status

OP, I think your point is that there are varying degrees of knowledge on this forum, but being a BH is about following the BH philosophy. The Bogleheads® Philosophy Develop a workable plan Invest early and often Never bear too much or too little risk Never try to time the market Use index funds when...
by mhc
Fri Mar 06, 2015 5:39 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead degree status
Replies: 52
Views: 4837

Re: 2 comma club (my way)!!

Hikes_With_Dogs wrote:
mhc wrote:Congrats!

Now put your checking and efund to work and you'll hit the 2 million club sooner.


What do you suggest for OP and those who might have too 'much' in a checking account?


Low cost, well diversified equity and bond index funds.
by mhc
Fri Mar 06, 2015 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 49
Views: 7773

Re: Sedan or SUV

tin369,

where do you live and what kind of driving does she do?

Let her test drive both and buy the one which works best.
by mhc
Fri Mar 06, 2015 9:24 am
 
Forum: Personal Consumer Issues
Topic: Sedan or SUV
Replies: 22
Views: 1551

Re: How do you decide when to buy car?

When the current car is inconvenient. I want reliable cars. The last car I bought was based on having additional family members, which obsoleted the previous car. The purchase before that was based on needing at least one car that could make it through significant snow.
by mhc
Fri Mar 06, 2015 8:27 am
 
Forum: Personal Consumer Issues
Topic: How do you decide when to buy car?
Replies: 50
Views: 3295

Re: A question on posting links

You can pm one of the moderators.
by mhc
Thu Mar 05, 2015 7:45 pm
 
Forum: Forum Issues and Administration
Topic: A question on posting links
Replies: 2
Views: 347

Re: Help on Changing 401K Contribution During Year

Company match does not count toward $18k limit.
by mhc
Thu Mar 05, 2015 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help on Changing 401K Contribution During Year
Replies: 7
Views: 387

Re: Help on Changing 401K Contribution During Year

March-December is 10 months. If your company does a true up on the match and will stop contributions once you hit $18k, you don't have to do all this. $1611.66 x 10 months = 16116.60 16116.60 + 1883.32 = $17,999.92 for the year. The formula for the monthly amount is: ($18,000 - amount already contri...
by mhc
Thu Mar 05, 2015 4:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help on Changing 401K Contribution During Year
Replies: 7
Views: 387

Re: Coverdell ESA -- best custodian and investment

I use Vanguard, but here are some other choices to look at:

Schwab
E*Trade
TDAmeritrade

http://www.savingforcollege.com/coverdell_esa_providers/
by mhc
Thu Mar 05, 2015 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Coverdell ESA -- best custodian and investment
Replies: 1
Views: 141

Re: What percentage of your total net worth is your home?

I've never considered net worth a variable in how much home I can purchase. What's the philosophy for that? +1 Buying a house has little affect on net worth at that moment in time. I have only purchased 2 houses in my life, and neither time did I think about net worth. I considered if the house was...
by mhc
Wed Mar 04, 2015 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: What percentage of your total net worth is your home?
Replies: 62
Views: 4055

Re: Acct maintenance - Statements - Confirmation emails???

I just delete the email notifications. At the end of the year I download a year end report in pdf format and put it into the appropriate folder on my computer.
by mhc
Wed Mar 04, 2015 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Acct maintenance - Statements - Confirmation emails???
Replies: 15
Views: 1020

Re: New Homeowner Gift

[*]A nice set of wind chimes... they'll have them forever and always think of you when they hear them.[/list] I gave my brother a nice set of wind chimes once. A year later I saw them on the ground behind a bush. I asked him about them. He said they were keeping his wife awake at night and somehow ...
by mhc
Wed Mar 04, 2015 11:18 am
 
Forum: Personal Consumer Issues
Topic: New Homeowner Gift
Replies: 31
Views: 1671
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