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Re: Forced Stock sale

thegoogly wrote:I am being forced to sell my ESPP shares due to a company merger. I am worried about the big tax hit - as I had not planned for this. Any thoughts/advice on this please?


You can donate them to charity.
by mhc
Fri Jul 18, 2014 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Forced Stock sale
Replies: 11
Views: 1625

Re: kids during summer holidays

Two of my kids are doing track. 3 practices a week plus a few track meets on the weekends. 1 kid playing basketball. 2 practices a week plus 1 game plus a couple of tournaments. Swim lessons. Visit friends. Family vacations. Swimming. Being a kid. Playing in backyard, chores, watching TV, playing vi...
by mhc
Thu Jul 17, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: kids during summer holidays
Replies: 5
Views: 573

Re: retirement fund or college fund?

I tend to put all savings toward retirement. If all goes well, I can cash flow college expenses because I won't have to be saving so much for retirement. If all goes poorly, we will borrow for college.
by mhc
Thu Jul 17, 2014 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: retirement fund or college fund?
Replies: 15
Views: 862

Re: meaning of volume

ketanco wrote:and what is a boogle style investor? :happy


Take a look at the wiki:
http://www.bogleheads.org/wiki/Boglehea ... philosophy
by mhc
Thu Jul 17, 2014 10:55 am
 
Forum: Investing - Theory, News & General
Topic: meaning of volume
Replies: 5
Views: 701

Re: Purchasing Food at Work

I eat breakfast and lunch at work every day. Breakfast: peanuts yogurt raw baby carrots banana Lunch: sandwich 1 fruit 1 vegetable I keep everything for breakfast at work. I can stock up for a few weeks with the peanuts, yogurt, and carrots, especially if they are on sale. If I miss going to the sto...
by mhc
Thu Jul 17, 2014 10:07 am
 
Forum: Personal Consumer Issues
Topic: Purchasing Food at Work
Replies: 41
Views: 3980

Re: 401K Investment

Sounds like you need an Investment Policy Statement (IPS). http://www.bogleheads.org/wiki/Investme ... _statement

Do you have an IPS?

Your IPS should guide your decisions.
by mhc
Wed Jul 16, 2014 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Investment
Replies: 2
Views: 218

Re: what is "at-cost investing" ?

Here is a short video that may explain it to you:

http://www.youtube.com/watch?v=uNemEshTtfE
by mhc
Tue Jul 15, 2014 1:45 pm
 
Forum: Investing - Theory, News & General
Topic: what is "at-cost investing" ?
Replies: 8
Views: 1347

Re: Neighbor's ugly overgrown bushes and fence

If you have room in your yard, plant some large shrubs or evergreens. If you don't have the space, then put up the tallest fence you can.
by mhc
Mon Jul 14, 2014 5:17 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor's ugly overgrown bushes and fence
Replies: 41
Views: 3217

Re: Continue subscribing to local newspaper?

I got my annual bill this weekend. The price went up over 30%. I cancelled this morning. In 90 days I can re-subscribe for the lower new subscriber rate. If we miss the paper, I may re-subscribe.
by mhc
Mon Jul 14, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 6229

Re: meaning of volume

In general, the volume of individual stocks means nothing to a boglehead style investor.

If you trade ETF's, volume can matter.
by mhc
Fri Jul 11, 2014 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: meaning of volume
Replies: 5
Views: 701

Re: Vanguard Target Retirement 2055 Fund Investor Shares

Starting off, it won't matter much. Your saving rate will dominate early on. Once you get $50k-100k, then look at what funds make up the TR fund. This can guide you in which ETF's or MF's to buy.
by mhc
Fri Jul 11, 2014 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2055 Fund Investor Shares
Replies: 14
Views: 1445

Re: Analysis Paralysis has set in....

You can look at this in firecalc.com. I think you will see that it makes no tangible difference.
by mhc
Fri Jul 11, 2014 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Analysis Paralysis has set in....
Replies: 7
Views: 667

Re: Recent problems with Vanguard's website?

Anyone else noticing huge issues with the VG site and it's handling of linked outside accounts? It says it's "We are not able to update this account at this time as we are currently upgrading our data collection process for this financial institution. Please try again later" for my Bright...
by mhc
Fri Jul 11, 2014 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Recent problems with Vanguard's website?
Replies: 21
Views: 1517

Re: HSA savings on premium?

Make sure you factor in the tax savings of having an HSA.
by mhc
Thu Jul 10, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA savings on premium?
Replies: 9
Views: 1263

Re: How I look at $ in the real world vs my retirement accou

Wait until you lose a years salary in a month, or a week, or a day. That really demands an adjustment to your thinking. :twisted:
by mhc
Wed Jul 09, 2014 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: How I look at $ in the real world vs my retirement accounts
Replies: 45
Views: 5826

Re: How old is your OLDEST motor vehicle?

My oldest is my brand new 2004 CR-V purchased in 2003.

I like these polls and wording because it challenges our subjective definitions. I think people's responses show more than the actual poll.
by mhc
Wed Jul 09, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: How old is your OLDEST motor vehicle?
Replies: 15
Views: 1278

Re: Must-haves and Legal Needs for a Millionaire

You may want to look into umbrella insurance to protect your assets and future income.
by mhc
Wed Jul 09, 2014 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Must-haves and Legal Needs for a Millionaire
Replies: 17
Views: 4783

Re: Barbecue Set [Cooking tools]

I just picked up a new set of Weber tools from Walmart a few weeks ago. I really like them. They are large and feel good in the hand. They work great. http://www.walmart.com/ip/Weber-Basics-2-Piece-Stainless-Steel-Tool-Set/23014577 You could also pick up a brush. If you want to spend more money, you...
by mhc
Wed Jul 09, 2014 11:05 am
 
Forum: Personal Consumer Issues
Topic: Barbecue Set [Cooking tools]
Replies: 12
Views: 1113

Re: Advice for how to fund my wedding

Option 1. You can always sell investments if necessary when it comes time to buy the house. This way you avoid paying taxes until you really need to. Plus, your cash is not earning you any money.

Congrats on the wedding. Sounds like it will be really nice.
by mhc
Tue Jul 08, 2014 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to fund my wedding
Replies: 54
Views: 2839

Re: Do you deviate from the owner's manual?

I don't know what my owner's manual says for either. I change the oil once or twice a year. Basically, I change it when I get around to it. For gas, I buy the lowest octane when I fill up locally. In the midwest, the lowest cost is sometimes a higher octane ethanol mix I believe. I basically fill up...
by mhc
Tue Jul 08, 2014 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Do you deviate from the owner's manual?
Replies: 35
Views: 3171

Re: Unknown Time Horizon

I agree that your AA is not so important when you are first starting out. Your saving rate will dominate early on. Your plan sounds good to me.
by mhc
Tue Jul 08, 2014 1:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Unknown Time Horizon
Replies: 12
Views: 794

Re: When do you "limit" saving and start to spend more?

This is how I do it. I have a goal of being able to retire at age 55 and be able to spend $X/yr. To reach that goal, I need to save $Y/yr. Whatever is left over goes to expenses and enjoying life. I'm flexible in when I retire, but I know I need to have my ducks in a row sooner rather than later bec...
by mhc
Tue Jul 08, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: When do you "limit" saving and start to spend more?
Replies: 39
Views: 3916

Re: ETF Dividends - DRIP or use for rebalancing?

taxable: rebalance
tax sheltered: dividend re-investment

Things to consider in making decision:
1. TLH
2. Rebalancing
3. Effort
by mhc
Tue Jul 08, 2014 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: ETF Dividends - DRIP or use for rebalancing?
Replies: 8
Views: 444

Re: Raise and Promotion...more money, now what?

With the raise, will you have access to a deferred compensation plan? If so, that would increase your tax sheltered space. I would be aggressive on paying off the loan. Have a nice dinner and celebrate, and then maintain you current standard of living. Use the raise to increase your savings and not ...
by mhc
Tue Jul 08, 2014 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Raise and Promotion...more money, now what?
Replies: 9
Views: 1559

Re: Cash allocation in a portfolio

Hi pop77, As sometimes happens, I can't choose any of the selections because they include two elements, in this case: how much cash; plus why. The whys prevent me from agreeing to any of the options. As it happens my portfolio has zero percent cash, but not for any of the reasons you list. There ar...
by mhc
Tue Jul 08, 2014 9:50 am
 
Forum: Investing - Theory, News & General
Topic: Cash allocation in a portfolio
Replies: 42
Views: 3728

Re: Cash allocation in a portfolio

I didn't see any options that fit what I do. I have bonds/equities/cash in my AA. I rebalance as necessary to stay within my desired AA. As far as I know, bonds could go down as equities go down. It may not call for rebalancing; hence, my bonds are not necessarily for buying equities on a downturn. ...
by mhc
Mon Jul 07, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: Cash allocation in a portfolio
Replies: 42
Views: 3728

Re: Adjusting tax withholding for bonus

That 40% might be Federal+State+FICA. 40% might be the right percentage to withhold. I would just wait and see. Once you get your pay stub for the bonus, check how you are doing on taxes for the year. If you have over paid a lot, then adjust your exemptions. If you have under payed taxes, then look ...
by mhc
Mon Jul 07, 2014 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Adjusting tax withholding for bonus
Replies: 5
Views: 336

Re: Light Bulb Durability

I would make sure I kept everything to exercise the warranty.

In general, heat cycling anything will shorten the life of a product.

I would try LED's. Make sure you save the warranty information.

Could you install solar tubes or something to minimize the need for electric lights?
by mhc
Sat Jul 05, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: Light Bulb Durability
Replies: 59
Views: 4479

Re: Neighbor's Fireworks

If you can easily access your roof, then just clean it up before it clogs your down spouts.

If this is the worst thing your neighbor does, then you are in good shape.
by mhc
Sat Jul 05, 2014 9:52 am
 
Forum: Personal Consumer Issues
Topic: Neighbor's Fireworks
Replies: 50
Views: 4452

Re: Continue subscribing to local newspaper?

In my market, the local paper is the only way to get local news. My DW reads the hard copy. I look at it on-line. I prefer the on-line version because I can also see the comments of people. Since I read the paper to learn what is going on locally, the comments help me better understand other view po...
by mhc
Fri Jul 04, 2014 9:36 am
 
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 6229

Re: POLL: Are You Re-Balancing?

I did yesterday. My bonds were at 17.5% and my target is 19%. I did it because it is a slippery slope for me. I much rather have all equities in this bull market. If I say, why add bonds when interest rates are sure to rise and equities are doing so well, I may let my bonds continue to slide down. K...
by mhc
Fri Jul 04, 2014 9:31 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 4977

Re: I Hit My Number Today!

:sharebeer

Time to spend more time with family and friends and enjoying life.
by mhc
Thu Jul 03, 2014 9:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3296

Re: House maintenance cost

I have a $300k 2500 sq ft house. Maintenance costs are not smooth. Some years I do not spend any money. Others I may spend a lot. This year the only maintenance cost I think I will have is to refinish hardwood floors and replace blinds. If you have to replace HVAC or roof, you will spend more. If yo...
by mhc
Wed Jul 02, 2014 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: House maintenance cost
Replies: 13
Views: 1261

Re: POLL: Mortgage as a negative bond

I think I may be confused a bit about this whole negative bond concept. I just googled it, and I can't find general sources that refer to loans as negative bonds. This seems to be a phrase that is not generally used. Interesting how it is a phrase used around here. This is certainly not the first t...
by mhc
Tue Jul 01, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Mortgage as a negative bond
Replies: 89
Views: 2926

Re: POLL: Mortgage as a negative bond

How did I contradict myself? I was advocating using existing terms and practices while acknowledging that looking at things in different ways can be helpful. Where is the contradiction? I'm really sorry. I thought you said mortgage is NOT a negative bond. The accounting practice says mortgage IS a ...
by mhc
Tue Jul 01, 2014 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Mortgage as a negative bond
Replies: 89
Views: 2926

Re: POLL: Mortgage as a negative bond

I do look at my car loan as a negative bond. The case for prepaying it is even higher than for a mortgage since the interest is not tax-deductible and the duration is shorter. What kind of loan is used to buy furniture? Credit card debt? Nobody considers mortgages and bonds the same . This is a str...
by mhc
Tue Jul 01, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Mortgage as a negative bond
Replies: 89
Views: 2926

Re: POLL: Mortgage as a negative bond

If you have a car loan, do you count that as a negative bond also? What about the loan to buy furniture to furnish your first house? I prefer to call things what they are. There are already well established terms and ways to do the accounting . It is helpful sometimes to look at things a different ...
by mhc
Tue Jul 01, 2014 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Mortgage as a negative bond
Replies: 89
Views: 2926

Re: POLL: Mortgage as a negative bond

If you have a car loan, do you count that as a negative bond also? What about the loan to buy furniture to furnish your first house? I prefer to call things what they are. There are already well established terms and ways to do the accounting. It is helpful sometimes to look at things a different wa...
by mhc
Tue Jul 01, 2014 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Mortgage as a negative bond
Replies: 89
Views: 2926

Re: Retirement calculator?

Which retirement calculator would be the best to use? I haven't used any in the past, have been using one I built for myself in excel. A colleague recommended Nestful (http://www.nestful.com) which is relatively new from what I understand. Seems to be better than the ones on most news sites. Any op...
by mhc
Tue Jul 01, 2014 9:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement calculator?
Replies: 25
Views: 3913

Re: Do you set financial goals annually?

I have long term goals that guide my annual goals. Annual goals: 1. Save $X 2. Spend $Y 3. Donate $Z Some years I pick a spending category and try to better understand it and optimize it if possible. Since my income has a large variable piece (NQSO's, RSU's, annual bonus), my goals are only rough th...
by mhc
Tue Jul 01, 2014 9:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you set financial goals annually?
Replies: 44
Views: 2392

Re: aaaand its gone

Fraud. Many people fall for investing scams.
by mhc
Fri Jun 27, 2014 10:23 am
 
Forum: Investing - Theory, News & General
Topic: aaaand its gone
Replies: 22
Views: 4081

Re: How do you afford to travel?

Even though I have a full time job, I try to take as many family vacations as I can. We love to travel. I guess you have to figure out what works for you. We have figured out what works for us. For me, I want a no hassle vacation (avoid crowds and traffic). If I have to go to a crowded area, I try t...
by mhc
Thu Jun 26, 2014 11:09 am
 
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 68
Views: 6212

Re: Keeping mold out of bath/shower

You could dry the shower after each use.

Increase ventilation.

Use chemicals.

Move to an arid location.
by mhc
Wed Jun 25, 2014 4:26 pm
 
Forum: Personal Consumer Issues
Topic: Keeping mold out of bath/shower
Replies: 27
Views: 2208

Re: FTSE all-world ex US index or TISM?

TISM is total international market. FTSE all-world ex US is large cap international.
by mhc
Wed Jun 25, 2014 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: FTSE all-world ex US index or TISM?
Replies: 24
Views: 1143

Re: HSA Account

http://www.irs.gov/publications/p969/ar02.html#en_US_2013_publink1000204025 Qualifying for an HSA To be an eligible individual and qualify for an HSA, you must meet the following requirements. You must be covered under a high deductible health plan (HDHP), described later, on the first day of the m...
by mhc
Tue Jun 24, 2014 5:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Account
Replies: 3
Views: 382

Re: Home Country Bias

Here is what Vanguard has to say:

https://personal.vanguard.com/pdf/icriecr.pdf
by mhc
Tue Jun 24, 2014 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: Home Country Bias
Replies: 47
Views: 2637

Re: Help devising winning roulette system

If you can explain how a previous spin influences the subsequent spins, I would listen. Since each spin is independent of the previous spin, your system will not work consistently enough to make a profit. If you want to see if you system really gives you an edge, then write a program to simulate you...
by mhc
Mon Jun 23, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Help devising winning roulette system
Replies: 72
Views: 3122

Re: Maxed out contributions help!!

If you have a qualified high deductible medical plan, you could fund an HSA.

You could pay down high interest debt.

You could invest in a taxable account.

If you have kids, a 529 or Coverdell.
by mhc
Mon Jun 23, 2014 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Maxed out contributions help!!
Replies: 14
Views: 1303

Re: A day in Dachau?

Be prepared mentally and emotionally when you visit the concentration camp. I went almost 30 years ago, and I still have graphic images in my mind.
by mhc
Sun Jun 22, 2014 8:18 pm
 
Forum: Personal Consumer Issues
Topic: A day in Dachau?
Replies: 38
Views: 2751
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