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Re: What to ask for when negotiating a severance package?

You may ask. Negotiating usually involves both parties offering something. What would you be offering in the negotiation or how do you think you could convince them that you should get more than others? From my experience, companies like to follow formulas so that they don't get sued for discriminat...
by mhc
Thu Oct 30, 2014 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: What to ask for when negotiating a severance package?
Replies: 5
Views: 237

Re: VFWAX vs. VTIAX

They are almost the same fund. You can plot them together at M*. You can also go to the tax tab on M* and compare them. Better yet, look at the Distribution tab for each fund on the Vanguard site. You won't see much difference.
by mhc
Wed Oct 29, 2014 8:34 pm
 
Forum: Investing - Theory, News & General
Topic: VFWAX vs. VTIAX
Replies: 4
Views: 497

Re: VFWAX vs. VTIAX

It is a good thing that Vanguard has both funds. Start with VTIAX because of the advantages you listed.

When you need to TLH, sell VTIAX and buy VFWAX. Works beautifully.
by mhc
Wed Oct 29, 2014 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: VFWAX vs. VTIAX
Replies: 4
Views: 497

Re: How often do you change your car's oil?

When I get around to it. Usually once and maybe twice a year. I only put 6,000 miles/yr on the car.
by mhc
Fri Oct 24, 2014 10:21 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6081

Re: Create a Social Security Account (pre SS age)?

I created an account when they stopped sending out paper statements. I am in my mid-40s. I wanted to see my benefits.

My information is in the government system regardless of if I create an account or not.
by mhc
Thu Oct 23, 2014 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Create a Social Security Account (pre SS age)?
Replies: 4
Views: 341

Re: Do you regret buying your home?

I have owned my house for 15 years. I have no major regrets. Since I purchased my house, the are 5x the number of people living in it. We are beginning to out grow it. Also, the city has grown on my end of town, which has dramatically increased the traffic. Despite these current issues, I do not hav...
by mhc
Thu Oct 23, 2014 2:29 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 6766

Re: Which lots do you sell when redeeming shares?

You've got it. Sell the ones with the least tax burden unless you would not have to pay cap gains taxes due to your tax bracket.
by mhc
Wed Oct 22, 2014 10:57 am
 
Forum: Investing - Theory, News & General
Topic: Which lots do you sell when redeeming shares?
Replies: 14
Views: 920

Re: Should I sell My American Funds?

You could donate the $10k in your taxable account and avoid the cap gains.

I would then move the rest to Vanguard. The custodial accounts may incur a small tax hit, but it's peanuts to your earnings. Straighten everything out and don't look back.
by mhc
Wed Oct 22, 2014 9:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell My American Funds?
Replies: 10
Views: 1294

Re: What's wrong with dividend ETF's in a taxable account?

You should considering total return, not just dividends. Total return includes capital gains. Capital gains are more tax efficient than dividends. Avi OP, on this page is a link to a white paper that discusses total return investing: https://advisors.vanguard.com/VGApp/iip/site/advisor/researchcomm...
by mhc
Mon Oct 20, 2014 10:58 am
 
Forum: Investing - Theory, News & General
Topic: What's wrong with dividend ETF's in a taxable account?
Replies: 4
Views: 402

Re: Back Door Roth with Vanguard questions

Thanks for the quick reply. Do you make the Traditional contribution to VMMXX or something else? How long do you hold it before converting it to Roth? I make my IRA contribution to the Prime Money Market Fund. As soon as the transaction settles, I exchange it for the desired fund in my Roth. Some p...
by mhc
Thu Oct 16, 2014 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth with Vanguard questions
Replies: 4
Views: 267

Re: Can anybody to backdoor Roth IRA investments?

When you do the exchange from IRA to Roth, you can select any fund you want in the Roth. To answer your title, you have to have earned income to do IRA. Once you have money in an IRA, you may convert it to a Roth whenever you like. I believe it is the same paperwork if the IRA changes in value or no...
by mhc
Wed Oct 15, 2014 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can anybody to backdoor Roth IRA investments?
Replies: 14
Views: 1629

Re: What is common for a severance package?

If your wife has stock options or RSUs, there are usually rules about vesting and the exercising of vested options.
by mhc
Wed Oct 15, 2014 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is common for a severance package?
Replies: 25
Views: 1821

Re: Recent statistics of college majors

Thanks. I just went over this with my 10 year old son. He wants to be an engineer. I am an engineer. We went to the Offshore Drilling Museum in Galveston this past summer. I thought it was really fascinating what the engineers (and many other disciplines) accomplish. Petroleum engineering would be v...
by mhc
Tue Oct 14, 2014 9:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recent statistics of college majors
Replies: 35
Views: 2668

Re: Support that HSAs might not be the best option for you

Kazper, I don't follow your math. For the std plan you added out of pocket + premiums to get $4190. That makes sense. That is your out of pocket. I don't follow why you would add the HDHP premiums on top of that. I get the confusion. By pure coincidence, it happens that I would spend 4190 between w...
by mhc
Fri Oct 10, 2014 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Support that HSAs might not be the best option for you
Replies: 38
Views: 3487

Re: Support that HSAs might not be the best option for you

Kazper, I don't follow your math. For the std plan you added out of pocket + premiums to get $4190. That makes sense. That is your out of pocket. I don't follow why you would add the HDHP premiums on top of that. A few other things I don't see are the tax savings of putting money into the HSA or the...
by mhc
Fri Oct 10, 2014 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Support that HSAs might not be the best option for you
Replies: 38
Views: 3487

Re: How Often to Buy Funds in a Taxable Account?

I would just pick a number like $3000. Once you have a surplus of that much, invest it. Multiple purchase lots should not be an issue. The broker tracks everything, and you can easily import it into tax software. It's really up to you. I wouldn't worry about holding investor shares. That is a non-is...
by mhc
Thu Oct 09, 2014 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Often to Buy Funds in a Taxable Account?
Replies: 15
Views: 2222

Re: Headed for a 300+ point loss today?

Browser wrote:Kind of interesting how a topic that everybody is shrugging off has generated 900 views and 26 posts in about 10 minutes. Just saying....


It's so everyone can say they don't care when they really _____.
by mhc
Thu Oct 09, 2014 1:29 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 445
Views: 30378

Re: Things that you will not spend money on and most people

smart phone
alcohol
Apple products

there are many other common things I would not spend money on, but I don't think they fall into the "most people" category.
by mhc
Wed Oct 08, 2014 4:39 pm
 
Forum: Personal Consumer Issues
Topic: Things that you will not spend money on and most people do?
Replies: 78
Views: 4022

Re: How to diversify first time ROTH with high minimums?

A little more info is probably needed: Is the Roth her only account? Is the Roth for retirement? What is her desired asset allocation? Why a Roth instead of a traditional IRA? The minimums should be no problem. I am looking at setting up accounts for my kids. I would start with the Total Stock Marke...
by mhc
Wed Oct 08, 2014 8:07 am
 
Forum: Investing - Help with Personal Investments
Topic: How to diversify first time ROTH with high minimums?
Replies: 6
Views: 294

Re: Anyone ever get a roundtrip violation?

OP, my 401k is with Fidelity. I got a letter from them once that I was trading too often and would have restrictions placed on me if I didn't slow down. This happened when I started BHs. As I was learning, I would adjust my portfolio. In hindsight, I should have spent more time learning and developi...
by mhc
Wed Oct 08, 2014 7:38 am
 
Forum: Investing - Theory, News & General
Topic: Anyone ever get a roundtrip violation [at Fidelity]?
Replies: 21
Views: 2051

Re: Too much tax deferred space???

The HSA should not affect RMDs or your taxes in the future, except lowering them. It will lower your taxes now, and you will never pay taxes on that money if you use it for qualified medical expenses. I see no downside to adding an HSA unless you like sharing your money with Uncle Sam.
by mhc
Wed Oct 08, 2014 7:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Too much tax deferred space???
Replies: 4
Views: 831

Re: How much is your fixed income investment earning?

SEC Yield is currently 2.15% on the Vanguard Total Bond Fund. My 401k has essentially the same fund but by a different name. That is my only fixed income investment.
by mhc
Tue Oct 07, 2014 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: How much is your fixed income investment earning?
Replies: 27
Views: 1827

Re: Should I go for RSU or Options?

The other somewhat important thing is how long are the options good for. 6 years? 10 years? The stock will be yours as soon as the RSUs vest. With options you have flexibility on when to sell between vesting and expiration. I would imagine that the RSUs will be ratioed to the options in such a way t...
by mhc
Tue Oct 07, 2014 3:30 pm
 
Forum: Investing - Theory, News & General
Topic: Should I go for RSU or Options?
Replies: 15
Views: 937

Re: 500k retirement strategy?

Any pensions or Social Security?

Otherwise, the plan seems reasonable.

Here is an interesting article about holding cash reserves for downturns:
http://www.kitces.com/blog/research-reveals-cash-reserve-strategies-dont-work-unless-youre-a-good-market-timer/
by mhc
Tue Oct 07, 2014 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 500k retirement strategy?
Replies: 9
Views: 3138

Re: Question about credit cards

Why not just leave the card open? If there is no annual fee, then leave the account open. Unless you have tons of cards, it's probably better to leave the card open.
by mhc
Mon Oct 06, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about credit cards
Replies: 8
Views: 927

Re: portfolio changes, when is the appropriate time to do so

If you not familiar with tax loss harvesting (TLH), take a look at: http://www.bogleheads.org/wiki/Tax_loss_harvesting When just changing to "better" funds while maintaining AA, timing is usually not a big deal unless it is in a taxable account. If you can exchange funds in taxable and get...
by mhc
Mon Oct 06, 2014 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio changes, when is the appropriate time to do so...
Replies: 3
Views: 320

Re: Voluntarily Declining Pay Raise

You would be foolish to decline the raise. Since Don is walking around the office asking people if they got a raise (why didn't he just look it up on the computer?), something else is going on besides Angela not being happy about being fairly compensated. When a person leaves, the real complete stor...
by mhc
Sat Oct 04, 2014 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Voluntarily Declining Pay Raise
Replies: 43
Views: 4126

Re: Why are 529 expense ratios so much higher?

Welcome to the forum. I wouldn't be mad at Vanguard for pocketing the extra money. They are a not for profit company. I have always assumed that there is extra overhead in a 529 that causes the expense ratio (ER) to be higher. Over time the ERs have been dropping. As more money goes into the 529s, t...
by mhc
Sat Oct 04, 2014 10:52 am
 
Forum: Investing - Theory, News & General
Topic: Why are 529 expense ratios so much higher?
Replies: 2
Views: 566

Re: Steps to TLH from a Vanguard Mutual Fund Account

I have to disagree a little bit with Chan_va. A wash sale is not illegal and is easy to report on one's tax return. Sometimes it is much more important and money saving to TLH even if one had an automatic purchase or dividend reinvestment recently. Plus if those shares have identified losses, then ...
by mhc
Fri Oct 03, 2014 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Steps to TLH from a Vanguard Mutual Fund Account
Replies: 24
Views: 1180

Re: Steps to TLH from a Vanguard Mutual Fund Account

Chan_va wrote:Make sure there are no other transactions (dividend reinvestment, automatic purchases etc.) for 31 days before and after the TLH date to prevent a wash sale.


This includes substantially identical funds held in tax-advantaged accounts.
by mhc
Fri Oct 03, 2014 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Steps to TLH from a Vanguard Mutual Fund Account
Replies: 24
Views: 1180

Re: Saving for Vehicle Replacement

The last 2 cars I purchased I used proceeds from stock options. I will probably do the same the next time I need a car.
by mhc
Fri Oct 03, 2014 10:35 am
 
Forum: Personal Consumer Issues
Topic: Saving for Vehicle Replacement
Replies: 24
Views: 1519

Re: POLL: When I gift/will shares to my relatives, I expect

I have not expectations.

A gift is a gift. No strings attached.

If I want strings attached, I will specify it as a condition, but then it won't be a gift.
by mhc
Mon Sep 29, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: When I gift/will shares to my relatives, I expect ...
Replies: 24
Views: 1688

Re: Would you pay for these upgrades in a new construction h

It probably depends on if you enjoy changing fixtures and have the time to do it.

What about door handles and hinges? I like it when they all match.
by mhc
Fri Sep 26, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Would you pay for these upgrades in a new construction house
Replies: 17
Views: 1361

Re: Time to go back to cash and ditch the Credit Card?

The first option is close, but I chose other because there could be a data breach that would make me want to stop using credit cards. I don't know what it is, but it seems possible.

Otherwise, relax. The data breaches you mentioned are more than just noise, but they are nothing to worry about.
by mhc
Thu Sep 25, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Time to go back to cash and ditch the Credit Card?
Replies: 39
Views: 3308

Re: POLL: Would you rather work half as long or half as ofte

I chose number 1. The work I do requires large blocks of uninterrupted time. When I was younger (pre-kids), I would work 6-7 days a week and many hours. I really enjoyed the work. I do not believe I could have been as proficient at my job working only half time. With a family, I do not devote as muc...
by mhc
Thu Sep 25, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: POLL: Would you rather work half as long or half as often?
Replies: 68
Views: 4147

Re: Lump sum or monthly check at retirment

I would take the money now. There is a lot that can happen over the new 30 years. Assuming the $700/mo is a real value: With a real 6.15% (probably unrealistic) return instead of 5% return, there would be $700/mo. Of course as investor1 brought up, taxes matter. If the $700/mo is not indexed to infl...
by mhc
Thu Sep 25, 2014 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Lump sum or monthly check at retirement
Replies: 20
Views: 1411

Re: Is tax loss harvesting ever a bad idea?

Setting aside the harvesting of small or negligible losses, assuming transaction costs are low and there are ready TLH "partners" (e,g., VBR/IJS), is a TLH ever ill-advised? Thanks! Watch out for transactions in tax-advantaged accounts that could make you lose the capital loss permanently...
by mhc
Tue Sep 23, 2014 5:35 pm
 
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting ever a bad idea?
Replies: 17
Views: 1001

Re: 3 Fund Portfolio Vs. Vanguard Advisor Recommendations

I think the Total Bond Market fund is sufficient. It holds 6730 different bonds. Sounds like a lot to me. Vanguard breaks down the fund by several different factors. You could compare that to the other funds. If you value simplicity, then 1 bond fund is just fine. Adding in the other bond funds will...
by mhc
Tue Sep 23, 2014 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio Vs. Vanguard Advisor Recommendations
Replies: 15
Views: 1699

Re: Dilemma: manual buy & lower cost vs auto plan & higher c

I would be concerned that auto buying may not give you a good ETF buy price. There is a spread when buying and selling ETFs. How well will the broker do? This could add an additional cost. Who knows, the broker may do a better job.
by mhc
Tue Sep 23, 2014 9:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Dilemma: manual buy & lower cost vs auto plan & higher cost
Replies: 6
Views: 378

Re: Rainy day fund

Welcome to the forum! I prefer to not have too many buckets of money. I would just invest it according to your current retirement Asset Allocation (AA). If you decide on something specific that you need, then create a new bucket for it at that time and save up. If a big expense comes up that is not ...
by mhc
Mon Sep 22, 2014 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rainy day fund
Replies: 6
Views: 649

Re: Tax implication of backdoor Roth IRA conversio

I am only answering the recommendation question.

Convert the whole thing and be done with it. You only have $371 in gains. Get it out of the way to make life easier for now and future. This also means you don't have to be concerned with the pro-rata rules.
by mhc
Mon Sep 22, 2014 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax implication of backdoor Roth IRA conversio
Replies: 7
Views: 466

Re: Should I buy another fridge or freezer? Or neither?

I have the regular kitchen fridge. I also have a deep freeze. I use to hunt elk and occasionally buy a quarter steer. The deep freeze is a must. I like to smoke meat, so I stock up on large cuts of meat when they are on sale. They will stay fine in the deep freeze for over a year. My DW uses the rem...
by mhc
Thu Sep 18, 2014 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy another fridge or freezer? Or neither?
Replies: 16
Views: 1057

Re: Why Not Buy Vanguard ETFs Through Schwab?

If you prefer Schwab, go for it. I like the philosophy of Vanguard and I prefer mutual funds over ETF's, so I go with Vanguard.
by mhc
Thu Sep 18, 2014 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Why Not Buy Vanguard ETFs Through Schwab?
Replies: 18
Views: 1940

Re: Random Contributions

I do not make regular contributions to my taxable account. Once I have a large enough surplus in my checking account, I invest it. It is usually tied to selling ESPP share (4 times a year), or annual bonus, or some other event outside my normal paycheck.
by mhc
Wed Sep 17, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Random Contributions
Replies: 16
Views: 1173

Re: Talk Me Off The Edge

Betatracker, people have been talking about shifting to shorter term bonds for a couple of years because interest rates are about to go up. I don't know when rates will go up, but so far I have been better off staying in TBM. I'm don't know how to time the market, so I will stay the course with TBM....
by mhc
Tue Sep 16, 2014 12:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Talk Me Off The Edge
Replies: 8
Views: 1730

Re: Is Vanguard's website glitchy today?

dolphinsaremammals wrote:Did you shut down the browser and restart it?


If that doesn't work, try deleting the Vanguard cookies.
by mhc
Mon Sep 15, 2014 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Is Vanguard's website glitchy today?
Replies: 6
Views: 362

Re: Should I step in to help my in law pay off credit card d

If this is a one off event for your mother in law, then paying off the CC for her is merely an act of kindness. It is always good to show kindness and compassion.
by mhc
Mon Sep 15, 2014 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I step in to help my in law pay off credit card debt
Replies: 31
Views: 2673

Re: Three shares of stock, what to do with them?

Sell or donate or just plain forget about them. It's only $75.
by mhc
Fri Sep 12, 2014 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Three shares of stock, what to do with them?
Replies: 10
Views: 756

Re: Need advice on which tablet to buy

I have a Kindle HDX. My DW has a Kindle HD. The HDX is really nice. It is fast. I use it for email, limited web browsing, reading, video, and games. It does them all well. I like the ability to download movies from Amazon for flights when I am not connected to wifi.
by mhc
Fri Sep 12, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 44
Views: 2676
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