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Re: Poll: Increasing international equities

Staying the course at 37.5% of equities.
by mhc
Tue Mar 03, 2015 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 25
Views: 954

Re: Secure Accounts

No.

I do think my accounts could be hacked, but in the end I do not think I will lose money.
by mhc
Tue Mar 03, 2015 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Secure Accounts
Replies: 1
Views: 125

Re: 529 plans

I use the Vanguard 529. It works fine. I chose it because I already had a Vanguard account. It keeps things a little simpler for me.

The wiki has a lot of good info: https://www.bogleheads.org/wiki/529_plan
by mhc
Tue Mar 03, 2015 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: 529 plans
Replies: 9
Views: 608

Re: new car battery

I have been very pleased with Interstate. Look to see if there is an Interstate store near you. They have great customer service.
by mhc
Tue Mar 03, 2015 12:09 am
 
Forum: Personal Finance (Not Investing)
Topic: new car battery
Replies: 29
Views: 1305

Re: Work wants me to train for promotion before giving it to

Maybe times have changed, but I would not have taken that approach. I was taught at a very young age to never turn down responsibility. That mentality has served me well in my career, and the money has always followed. If you want the new position, jump in with both feet and deal with the promotion ...
by mhc
Mon Mar 02, 2015 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Work wants me to train for promotion before giving it to me?
Replies: 18
Views: 1170

Re: Calcultoer help please

Mule, even though that calculator asks for a lot of inputs, it is not sufficient. It is lacking some sort of monte carlo simulator that shows a range of possible outcomes. One might be able to say that the calculator shows one possible average outcome. Try firecalc.com like livesoft recommended, and...
by mhc
Mon Mar 02, 2015 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Calcultoer help please
Replies: 6
Views: 363

Re: Black Hills SD, where to stay?

I like the Holiday Inn Express in Hill City. Hill City is in the middle of everything. You can walk to the 1880 train, food, shopping, and a few sites. Most other attractions are close by, especially the Purple Pie shop in Custer.
by mhc
Mon Mar 02, 2015 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Black Hills SD, where to stay?
Replies: 9
Views: 623

Re: Poll: Average E/R

If anyone is under 0.05% I have to assume they are primarily using the government TSP or are lying. :D I think it may be possible in a Megacorp 401(k). There are a few posts in the other thread which claim an E/R that low. My megacorp has sub 0.05% ERs for large cap, medium cap, small cap, and bond...
by mhc
Mon Mar 02, 2015 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Average E/R [Expense Ratio]
Replies: 22
Views: 1031

Re: Advice for extra cash

Do you have an HSA?

Taxable account is always good. TSM and TISM are always good choices for taxable account.

Before you invest more, make sure you have a good working plan. I assume you don't have a plan since you don't know what to do with the cash.
by mhc
Mon Mar 02, 2015 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice for extra cash
Replies: 1
Views: 257

Re: Debt Snowball with Variable Rates

In general, pay off the highest interest rate debt first. If there is a small debt that has a little lower interest rate, it is fine to pay that off first to improve cash flow and simplify things.
by mhc
Sun Mar 01, 2015 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debt Snowball with Variable Rates
Replies: 6
Views: 619

Re: Turbotax ESPP sale woes - help!

I never use the ESPP feature of TT. I just treat it as a normal stock sale. I sell ESPP shares immediately; therefore, I don't have to think about the tax rules for qualified dispositions. I enter the 1099-B with the incorrect cost basis. I then put in an adjusted basis, so I don't get double taxed ...
by mhc
Sun Mar 01, 2015 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax ESPP sale woes - help!
Replies: 16
Views: 911

Re: Debt Snowball with Variable Rates

I'd probably go after them in this order. I would re-evaluate if rates change. Who knows, we may be in a low interest environment for a long time. I would also limit discretionary spending until the debt was gone. $1.8k @ 5.5% ($50/month) $4.6k @ 4.6% ($25/month) $5.4k @ 2.88% ($63/month) Variable r...
by mhc
Sun Mar 01, 2015 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Debt Snowball with Variable Rates
Replies: 6
Views: 619

Re: Replace or repair dishwasher

Verbose,

repairing the old dishwasher is not worth it. Buying a new one alone will not solve your problem. You have to get your family to treat the dishwasher properly; then, buy a Bosch.
by mhc
Sun Mar 01, 2015 11:16 am
 
Forum: Personal Consumer Issues
Topic: Replace or repair dishwasher
Replies: 26
Views: 1157

Re: Question on Relocation Package (from Employer's perspect

It has been a while since I received a relocation package, but here are a couple things from my experience. 1. Some companies will allow a relocation cash out. They simply give you a lump sum cash payment. You should ask. 2. The 10%/5% may be limits. The cost of selling a house is usually at least 6...
by mhc
Sun Mar 01, 2015 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Question on Relocation Package (from Employer's perspective)
Replies: 6
Views: 504

Re: How do I learn to like sushi?

I have learned to eat just about any properly prepared food by repeatedly eating the item I didn't like. I did this with cauliflower, broccoli, asparagus, cooked cabbage, brussel sprouts, .... I just about puked the first time I had sushi. I took a date to a Japanese restaurant. Neither one of us ne...
by mhc
Sat Feb 28, 2015 2:30 pm
 
Forum: Personal Consumer Issues
Topic: How do I learn to like sushi?
Replies: 77
Views: 4099

Re: Analysis Paralysis - Stock Options

I would sell the 2011 options since they are up 300+% and expire in 3 years. The options have very little extrinsic value left to extract. My rule of thumb is to extract 80-90% of the extrinsic value or sell in the last two years, whichever occurs first. If you are not familiar with option pricing, ...
by mhc
Sat Feb 28, 2015 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Analysis Paralysis - Stock Options
Replies: 13
Views: 584

Re: Analysis Paralysis - Stock Options

I'll take the opposite side. If you had $235k in cash would you use it to buy shares in the single stock? Or would you use your current $118k to buy the single stock? The company that also provides your paycheck and health insurance, etc. A lot of eggs in one basket. This type of analysis does not ...
by mhc
Sat Feb 28, 2015 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Analysis Paralysis - Stock Options
Replies: 13
Views: 584

Re: Analysis Paralysis - Stock Options

A little more info would be helpful.

When were the options granted?
When do the options expire?
What is the percent increase above the option price?

In general, I try to hold the options as close to expiring as possible unless I need the money for something.
by mhc
Sat Feb 28, 2015 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Analysis Paralysis - Stock Options
Replies: 13
Views: 584

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: 313

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: 4540

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: 512

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: 16
Views: 1245

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: 272

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: 16
Views: 1245

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: 272

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: 1312

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: 1313

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: 2415

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: 694

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: 355

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: 355

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: 355

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: 3073

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: 646

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: 49
Views: 2866

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: 1065

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: 646

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: 8569

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: 443

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: 438

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: 8717

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: 2292

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: 719

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: 1183

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: 994

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: 2174

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: 5070

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: 428

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: 428
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