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Re: How much time do you spend on paperwork a week/month/yea

At work or at home? At home, probably 5 minutes a week. Biggest time waste is probably when I get involved in a video game with my son. I might spend 2-3 hours a day, every day until I can finally break the habit and return to a normal life. Biggest time saver is my DW. She is great at running the h...
by mhc
Fri Feb 27, 2015 9:27 am
 
Forum: Personal Finance (Not Investing)
Topic: How much time do you spend on paperwork a week/month/yea
Replies: 3
Views: 297

Re: Raise was only 2.44%?

I'd say that 2.44% is fine! Over the long-term, salary and wage increases generally average out to be about CPI + about 1/2% annually. With inflation running well under 2%, I think you did A-OK. +1 You are outpacing CPI, so you are not losing ground. If you have not had a promotion in a while, then...
by mhc
Thu Feb 26, 2015 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Raise was only 2.44%?
Replies: 49
Views: 4382

Re: Vanguard dividend received as cheque

That happened to me a couple of times. Each time I called them. After the second time they were finally able to fix whatever was going wrong.
by mhc
Wed Feb 25, 2015 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard dividend received as cheque
Replies: 6
Views: 502

Re: TSM or individual funds

If you want the total US market in those percentages, then go with the single TSM fund. It also is cheaper that way. I guess that's the real issue. If one wants to tilt towards large, mid or small, they can do that with individual funds. I see a lot of people favoring small cap in their portfolios....
by mhc
Wed Feb 25, 2015 8:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSM or individual funds
Replies: 15
Views: 1076

Re: Is there anyway to find out the purchase date online?

All I need is the information which won't trigger the short sale, whether the purchase date is more than 30 days or 60 days ago. I am using DCA but did not record the transaction date. I am using Vanguard and Fidelity. Log into your account and there should be a transaction history link or tab or m...
by mhc
Wed Feb 25, 2015 8:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is there anyway to find out the purchase date online?
Replies: 4
Views: 268

Re: TSM or individual funds

If you want the total US market in those percentages, then go with the single TSM fund. It also is cheaper that way.
by mhc
Wed Feb 25, 2015 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSM or individual funds
Replies: 15
Views: 1076

Re: Is there anyway to find out the purchase date online?

What, where, and approximately when do you buy this?

Most brokers maintain transaction histories. Before that, there were paper statements.
by mhc
Wed Feb 25, 2015 5:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is there anyway to find out the purchase date online?
Replies: 4
Views: 268

Re: Tax Quiz

100% but I had to make educated guesses on several. I have always been good on multiple choice questions even though they stress me out.
by mhc
Wed Feb 25, 2015 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Quiz
Replies: 22
Views: 1293

Re: No VWIUX at Fidelity

If you want Vanguard mutual funds, then open a Vanguard account and buy them.

Moving your stuff from Fidelity to Vanguard is a more complicated question needing a lot more details.
by mhc
Wed Feb 25, 2015 9:19 am
 
Forum: Investing - Theory, News & General
Topic: No VWIUX at Fidelity
Replies: 17
Views: 1277

Re: Recommend a quality (and reasonably priced) knife set

I like Wusthof.

If you do a lot of carving, try a 12" granton carving knife. I bought a no name one at a kitchen store. It is great for thinly and/or precisely cutting meat.
by mhc
Tue Feb 24, 2015 8:51 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a quality (and reasonably priced) knife set
Replies: 64
Views: 2369

Re: Yet another how much to save for retirement question....

You can try one of the retirement calculators listed in the wiki. www.firecalc.com is pretty easy to use and will give you an idea of how much you need to save between now and retirement. Let us know what you figure out.
by mhc
Tue Feb 24, 2015 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Yet another how much to save for retirement question.....
Replies: 5
Views: 682

Re: RSU sale, cost basis reporting

Tamales, your shares are purchased in 2011. The new regulations only apply to shares purchased in 2014 or later. indexfundfan, how do the new tax laws affect RSU's? I have only seen that ESPP and NQSO can report report an incorrect basis showing the discount price instead of the fmv. RSU report an ...
by mhc
Tue Feb 24, 2015 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: RSU sale, cost basis reporting
Replies: 15
Views: 336

Re: RSU sale, cost basis reporting

Tamales, your shares are purchased in 2011. The new regulations only apply to shares purchased in 2014 or later. indexfundfan, how do the new tax laws affect RSU's? I have only seen that ESPP and NQSO can report report an incorrect basis showing the discount price instead of the fmv. RSU report an ...
by mhc
Tue Feb 24, 2015 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: RSU sale, cost basis reporting
Replies: 15
Views: 336

Re: RSU sale, cost basis reporting

Tamales, I have always understood it as you do. I have never seen before the example you show at the end of your post.

What is the thread that you mention at the beginning of your post? I would like to go read through it to see what they are talking about.
by mhc
Tue Feb 24, 2015 9:38 am
 
Forum: Investing - Help with Personal Investments
Topic: RSU sale, cost basis reporting
Replies: 15
Views: 336

Re: How do you plan on spending your time during retirement?

teach classes at church (Sunday school, Bible)
volunteer
travel
enjoy family
garden
cook
by mhc
Mon Feb 23, 2015 8:56 pm
 
Forum: Personal Consumer Issues
Topic: How do you plan on spending your time during retirement?
Replies: 43
Views: 3041

Re: Hsa payroll tax

there is an S&P 500 index at ER.22 and a total international index at ER 0.17...everything else is 0.5- 2.4%! Annual fee of $42 on top of ERs So lets say i make 250 and i do not have a family plan...so that would be a difference of 1.49 + 0.9 (medicare for single making over 200) or basically 2...
by mhc
Mon Feb 23, 2015 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hsa payroll tax
Replies: 7
Views: 638

Re: Who's going to Disney this summer?

I took my family of 5 to Disneyland for spring break 2014. 6 day trip Airfair Denver/Orange County = $1200 Best Western at entrance 5 nights = $1100 4 day park hopper for 5 people = $1300 ( I think) taxi to/from airport = $100 food = $800 Other stuff $500 Total $5000 summer of 2013 17 day driving tr...
by mhc
Mon Feb 23, 2015 10:35 am
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 31
Views: 1938

Re: Is this formula for asset allocation a good one?

Your equations are well within the norms. Here is my S/B AA:
A = age
S = A<50 ? 80 : A<55 ? 70 : A<65 ? 60 : 50;
B = 100 - S
I = S*3/8
by mhc
Mon Feb 23, 2015 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Is this formula for asset allocation a good one?
Replies: 30
Views: 1058

Re: Hsa payroll tax

For an HSA you usually only need one low cost fund. What are the ers on the vanguard funds?
by mhc
Sun Feb 22, 2015 7:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hsa payroll tax
Replies: 7
Views: 638

Re: What age do you guys plan to retire?

enough for retirement - 50
very comfortable retirement and pay for kids' colleges - 55
very comfortable, kid's colleges, and new house - 57

I would really like to be done before 60.
by mhc
Sun Feb 22, 2015 2:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8508

Re: What to Include in Total Assets

For simplicity sake, I do not include anything I do not own. In reality, your need to take risk is based on many complex factors. If I wanted to include future inheritance in my AA, I would probably apply a pretty severe discount rate to the future inheritance. As the time approached to receive the ...
by mhc
Sun Feb 22, 2015 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to Include in Total Assets
Replies: 5
Views: 440

Re: Cost basis of ESPP shares

ESPP is not taxed until it is sold. This is because qualifying and nonqualifying dispositions have different tax rules. OP, if your 1099 shows a basis of 85, you have to use that, but then you put in a corrected basis of 100. If you really held the shares for a couple of years, you have a qualifying...
by mhc
Sun Feb 22, 2015 9:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost basis of ESPP shares
Replies: 8
Views: 421

Re: What % of your gross income do you spend on mortgage/ren

0% - no mortgage
1.6% - taxes, gas, electricity, water, storm water, garbage, waste water, HOA
by mhc
Sat Feb 21, 2015 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 8613

Re: Creating Net Worth Line Graph

You could do it with pencil, ruler, and graph paper. Pretty easy.
by mhc
Sat Feb 21, 2015 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Creating Net Worth Line Graph
Replies: 21
Views: 2068

Re: Is is OK to directly download 1099's in TurbTax?

I think it is a nice feature. If you are concerned, you can change your password after you download your 1099.
by mhc
Sat Feb 21, 2015 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is is OK to directly download 1099's in TurbTax?
Replies: 9
Views: 710

Re: Should you always/usually go with the lower expense rati

How is fund A different from fund B? Are they suppose to track the same index? If not, you are comparing apples and oranges. Why does fund A have higher returns?

If you list the two specific funds, someone may help you. There will always be some fund that outperforms some index.
by mhc
Fri Feb 20, 2015 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should you always/usually go with the lower expense ratio?
Replies: 20
Views: 1169

Re: House painting contractors

Did you paint the low stuff, or do you want the painter to paint the low stuff? Sometimes contractors do not want partial jobs that only have the painful stuff. If I was you, I would try to get a recommendation for a good painter from family, friend, or neighbor. Keep in mind, if you are a PITA, the...
by mhc
Fri Feb 20, 2015 1:14 pm
 
Forum: Personal Consumer Issues
Topic: House painting contractors
Replies: 12
Views: 971

Re: electric toothbrush

I have had a skincare for years. It is great. It is quiet and does not fall over. It can grow mold if you don't clean it. You can buy them for under a $100.
by mhc
Fri Feb 20, 2015 8:08 am
 
Forum: Personal Consumer Issues
Topic: electric toothbrush
Replies: 38
Views: 2110

Re: DAF mistake/question--ugh!

Another potential mistake is to transfer shares with short term cap gains.
by mhc
Thu Feb 19, 2015 11:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: DAF mistake/question--ugh!
Replies: 2
Views: 257

Re: 2 comma club (my way)!!

Congrats!

Now put your checking and efund to work and you'll hit the 2 million club sooner.
by mhc
Thu Feb 19, 2015 11:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 31
Views: 5053

Re: RSU tax filing issue: W2 income higher than cost basis

Gill wrote:
mhc wrote:I used (FMV x # of shares).

How did you figure FMV? Normally it is the mean market for the day.
Gill

I used the number from my broker.
by mhc
Thu Feb 19, 2015 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: RSU tax filing issue: W2 income higher than cost basis
Replies: 5
Views: 422

Re: RSU tax filing issue: W2 income higher than cost basis

It would be helpful if you listed the info on the 1099.

I do not let TT know that I sold RSUs. I treat it as a normal stock sell. My 1099 did not have a cost basis (uncovered), so I got to enter my own cost basis. I used (FMV x # of shares).
by mhc
Thu Feb 19, 2015 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: RSU tax filing issue: W2 income higher than cost basis
Replies: 5
Views: 422

Re: Throwing away the key to my accounts (kind of)

I hope your wife checks the accounts periodically to make sure everything is correct.
by mhc
Thu Feb 19, 2015 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Throwing away the key to my accounts (kind of)
Replies: 12
Views: 833

Re: copy/paste or attach an image

mhc: Not true. I see many folks copy/paste there spreadsheets right into their post as well as screen shots, etc with no links. See one small example below; http://www.bogleheads.org/forum/viewtopic.php?f=1&t=150267 All of the examples I saw in that thread use the technique I described and illu...
by mhc
Wed Feb 18, 2015 8:02 pm
 
Forum: Forum Issues and Administration
Topic: copy/paste or attach an image
Replies: 8
Views: 413

Re: copy/paste or attach an image

You have to put a URL (link) to the image. google "free image hosting". Select an image host. Upload the image. The hosting site will provide a link to put into your forum post. http://s12.postimg.org/vd4tmr4nd/bighorn_small.jpg If you hit the quote button on someones post, you can see how...
by mhc
Wed Feb 18, 2015 5:38 pm
 
Forum: Forum Issues and Administration
Topic: copy/paste or attach an image
Replies: 8
Views: 413

Re: is there such "3 fund portfolio at VALIC"?

If you list the funds available to you and their ERs, someone might help you.
by mhc
Wed Feb 18, 2015 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: is there such "3 fund portfolio at VALIC"?
Replies: 16
Views: 1204

Re: Streaming music on demand

I use the Amazon Prime music since it comes with my membership. It works well, and I can usually find something to listen to.
by mhc
Wed Feb 18, 2015 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Streaming music on demand
Replies: 16
Views: 654

Re: Decide when to pay CG tax and switch investments/funds

Sounds like you understand the analysis you need to do.

You could also donate the shares and buy the fund you want with the cash you would normally donate.
by mhc
Wed Feb 18, 2015 12:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Decide when to pay CG tax and switch investments/funds
Replies: 9
Views: 738

Re: Tax Software: Access to Exclusive IRS Info?

No.

Since the software companies need to code the software to support new requirements, I am glad they get an early look.

Without knowing the context of the email q&a, I don't really care.
by mhc
Mon Feb 16, 2015 8:31 pm
 
Forum: Personal Consumer Issues
Topic: Tax Software: Access to Exclusive IRS Info?
Replies: 13
Views: 759

Re: What 3 MATERIAL things would you take with you?

yosh99 wrote:My fiddle, bow, and rosin.


Just in case you meet the devil there and get in a duel with him?
by mhc
Mon Feb 16, 2015 3:58 pm
 
Forum: Personal Consumer Issues
Topic: What 3 MATERIAL things would you take with you?
Replies: 34
Views: 1253

Re: 1099 reporting

Works great for me. I imported it into turbotax this weekend with no problems. My UBS account provides two pages of summary info, but it is just clutter to me because it is not needed for tax purposes. You imported it? When I attempt it said that Feb. 24th, 2015 was the available time frame. Worked...
by mhc
Mon Feb 16, 2015 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: 1099 reporting
Replies: 18
Views: 1151

Re: How to do "what if" accounting for periodic contribution

You could try this. Use firecalc.com. Enter $1000 as starting portfolio. $0 for spending and 50 years. On the not yet retired tab, say you will retire in 50 years and add $1000 per year. Hit submit. The graph will show the possible outcomes based on historical data. This shows the basic principle.
by mhc
Mon Feb 16, 2015 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: How to do "what if" accounting for periodic contributions?
Replies: 4
Views: 283

Re: 1099 reporting

Works great for me. I imported it into turbotax this weekend with no problems. My UBS account provides two pages of summary info, but it is just clutter to me because it is not needed for tax purposes.
by mhc
Mon Feb 16, 2015 8:48 am
 
Forum: Personal Finance (Not Investing)
Topic: 1099 reporting
Replies: 18
Views: 1151

Re: Savings Rate Methodology

I do not calculate a saving percent. I have a dollar amount I want to save each year. I think I use this method because retirement calculators usually ask how many dollars will be added each year.
by mhc
Sun Feb 15, 2015 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings Rate Methodology
Replies: 22
Views: 1870

Re: Reasons to not transfer vested stock?

Selling the RSUs immediately and putting it into your 3 fund portfolio is a great idea. There will only be a very small capital gain/loss.
by mhc
Sat Feb 14, 2015 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reasons to not transfer vested stock?
Replies: 11
Views: 585

Re: Reasons to not transfer vested stock?

Do you have RSUs, unqualified stock options, ISIs, or something else? This affects taxation and advice.
by mhc
Sat Feb 14, 2015 2:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reasons to not transfer vested stock?
Replies: 11
Views: 585

Re: Target Retirement 2060 vs 2055

Welcome to the forum.

The number of shares is meaningless.
by mhc
Sat Feb 14, 2015 10:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement 2060 vs 2055
Replies: 6
Views: 696

Re: Your car repair/parts expenses for 2014

2004 Honda CRV - $0 for repairs and parts

In the eleven years of ownership, I have only had two repairs for a total of $300. One was a capacitor, the other was a solenoid.
by mhc
Fri Feb 13, 2015 4:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your car repair/parts expenses for 2014
Replies: 29
Views: 1739

Re: Non-working spouse Roth IRA contribution

Yes.

Of course the Roth limit is higher than $5k if you want to contribute more and have enough EI to cover the contributions.
by mhc
Thu Feb 12, 2015 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Non-working spouse Roth IRA contribution
Replies: 5
Views: 605

Re: Use Phone Number in Email from CC Co.?

I use the number on the back of my card if I suspect anything weird going on.
by mhc
Wed Feb 11, 2015 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Use Phone Number in Email from CC Co.?
Replies: 3
Views: 349
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