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Re: Childs prenup

If you want to control the world from the grave then look into a restrictive trust with all sorts of hoops they have to jump thru - at least you have the ability to contol how your money is passed....... hurling out the first kernal of popcorn :D
by rob
Mon Mar 30, 2015 7:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Child's prenup
Replies: 14
Views: 1112

Re: "Employees Forgo Wellness Cash Incentives Worth Millions

torius71 wrote:Is this not typical?

No... Mine needs a circus performer to jump through all the right hoops. I get there some years but not others. I expect it's there to make the employer hit all those top x places to work nonsense rather than as a benefit to the employee.
by rob
Sat Mar 28, 2015 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Employees Forgo Wellness Cash Incentives Worth Millions"
Replies: 30
Views: 2717

Re: "Filling Your 401k with Company Stock"

It's the last thing you want in a 401K plan but I worked for company that forced 401K match in company stock... Hated every second of it but once I left it was history :-) Current company has a "fund" in 401K that is company stock (match is in cash) but IMO it should be outlawed - I'm sure...
by rob
Fri Mar 27, 2015 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: "Filling Your 401k with Company Stock"
Replies: 20
Views: 1604

Re: please help me understand this stock award

Keep in mind it MIGHT be worth nothing.... If the stock price in a year is below the strike price there is no point spending x to get x-y value. While many people do cashless excercise, there are other - pardon the pun - options. You MIGHT want to excercise and hold to get long-term cap gain tax... ...
by rob
Fri Mar 27, 2015 10:25 am
 
Forum: Investing - Help with Personal Investments
Topic: please help me understand this stock award
Replies: 19
Views: 625

Re: please help me understand this stock award

They are giving you an option to buy their stock at a set price in 4 installments. Hit fairmark.com and get the book consider your options as it's a great source for how to treat them and some strategies.
by rob
Fri Mar 27, 2015 9:56 am
 
Forum: Investing - Help with Personal Investments
Topic: please help me understand this stock award
Replies: 19
Views: 625

Re: Getting Paid In Foreign Currency

Draft is likely the way you want to go... Here is the comm bank faq on them - https://www.commbank.com.au/personal/international/foreign-cheques-drafts.html I have not done this in some time but it was not outragous fees (fee + you get hit on the exchange rates as well). You can also wire it but you...
by rob
Thu Mar 26, 2015 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting Paid In Foreign Currency
Replies: 4
Views: 318

Re: Great ESPP not for "ME"?

Check the ESPP for the "before" date carefully... I have been in ones where the "start" date was the date you first enrolled in the ESPP up to some max look-back rather than the start of the quarter. Point been that the "start" price from 40 months or so for me was alwa...
by rob
Thu Mar 26, 2015 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Great ESPP not for "ME"?
Replies: 13
Views: 814

Re: Getting Paid In Foreign Currency

Er.. not sure what to say abut cash in a brown paper bag :D There are places like everbank (just an example look at other) that have multi-currency accounts. For nominal fees most local banks will give you a draft in a foreign currency even without an account (effectively a USD cash cheque). You cou...
by rob
Thu Mar 26, 2015 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting Paid In Foreign Currency
Replies: 4
Views: 318

Re: How do you store your photos?

It comes down to whether you think of the photo as an object, or simply as visual information. ... One of the things that are lost to the next generations when we throw out physical photos might be things we don't think about. I have to second (3rd/whatever) this as I recently tripped over a funny ...
by rob
Thu Mar 26, 2015 1:40 pm
 
Forum: Personal Consumer Issues
Topic: How to store/archive old photos?
Replies: 29
Views: 2471

Re: Wise move to move some $ to cash before bear market?

Maybe it's time to look at whether your allocation is really the right allocation. No one wins the timing game but if your not prepared to ignore a xx% dip then now is a better time to make that call then after the fact... but then don't pretend you can buy back in or whatever other nonsense they go...
by rob
Thu Mar 26, 2015 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 89
Views: 7734

Re: Building a new house. Any recommendations?

Forgot to mention but think about... - If your going centrail air use multiple smaller systems (so 1 unit per zone or alike) instead of a single unit. Not for savings although there are some... just when the single unit fails in summer it's tough to get it fixed - having a/c in 1 zone is better than...
by rob
Thu Mar 26, 2015 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 48
Views: 4013

Re: My deployed soldier is coming home!

Picking funds is the last and far from most important step, don't fall into the trap of thinking that's the important part. Stuff the money in a saving acct and then work out a plan; there is a suggested format to use for that on the wiki that he can use when he has cleared his head after he is back...
by rob
Thu Mar 26, 2015 10:45 am
 
Forum: Investing - Help with Personal Investments
Topic: My deployed soldier is coming home!
Replies: 23
Views: 2356

Re: U.S. cash pouring into international

I just got an e-mail from my Vanguard Advisor touting how wonderful international investing is and encouraging me to watch a video of the CEO touting it. I wonder if everyone got it. I only have domestic stocks in my vanguard IRA because my 401k has a cheaper international fund. Yeah... I talked to...
by rob
Wed Mar 25, 2015 10:31 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. cash pouring into international
Replies: 23
Views: 2423

Re: Is my income tax too high?

Try alternating years with std deduction and itemizing.... Prepay some property tax and try to push your larger expenses into a single year to get over the strd deduction, then take std ded year after and double up again the 3rd year etc.
by rob
Wed Mar 25, 2015 10:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my income tax too high?
Replies: 8
Views: 1236

Re: Why 529 plan makes any sense??

And it gets even more confusing to me if someone says they'd rather use a non-deductible trad IRA rather than a 529 with all its tax advantages.... Yeah... My non-deduct trad's are from before Roth IRA's & 529 plans existed and I cannot even look at a back door roth in the mirror... I used it i...
by rob
Wed Mar 25, 2015 2:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 8506

Re: Why 529 plan makes any sense??

1. My income makes me ineligible for a Roth IRA (I could do backdoor, but even then it's extremely unlikely I'll be in a higher income bracket at retirement, so why not just leave it in/contribute to traditional IRAs?), I am ineligible for an HSA, and I already max out my 401k ... How can you contr...
by rob
Wed Mar 25, 2015 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 8506

Re: U.S. cash pouring into international

I hate it when I rebalance into the popular segment :oops: Makes me wonder if I should not keep out of balance.... Nah, I'm not smart enough to time the market :D
by rob
Wed Mar 25, 2015 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. cash pouring into international
Replies: 23
Views: 2423

Re: Should a BH investor never use futures/options?

I have got a lot of my compensation from options in the past - less popular now than it used to be but still common in some industries; I'm not giving them up :D
by rob
Wed Mar 25, 2015 9:48 am
 
Forum: Investing - Theory, News & General
Topic: Should a BH investor never use futures/options?
Replies: 64
Views: 3632

Re: Building a new house. Any recommendations?

- Duct system so you can run wires in the future but be sure to wire each room. I know it's a wireless world etc. but it's not. - Run more power points then you need to media room and split them across different circuits. - Cannot recommend under floor heating enough in bathrooms. - Heated driveway?...
by rob
Tue Mar 24, 2015 11:16 pm
 
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 48
Views: 4013

Re: Why Bonds With 20 Year Horizon?

1) The horizon is not guaranteed. You could be facing extended unemployment or a big personal emergency at the very moment the market crashes; the former possibility is quite correlated with the stock market, in fact. So you might be forced out despite your otherwise strong stomach for risk. For me...
by rob
Tue Mar 24, 2015 2:36 pm
 
Forum: Investing - Theory, News & General
Topic: Why Bonds With 20 Year Horizon?
Replies: 72
Views: 5153

Re: And then there were three....

Fido is far the best option you mention IMO.
by rob
Sun Mar 22, 2015 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: And then there were three....
Replies: 6
Views: 919

Re: foreign investor: 0% tax on capital gain, 30% on dividen

Make sure you understand the potential issues of death tax on assets dominicle in the US for a non-resident.
by rob
Sat Mar 21, 2015 12:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax efficient investing for a non-resident alien?
Replies: 7
Views: 400

Re: which funds to keep - moving from EJ to Vanguard

Why are you moving to Vanguard if you want to keep the usually bad EJ funds? To me the benefit of Vanguard is the funds.
by rob
Fri Mar 20, 2015 9:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: which funds to keep - moving from EJ to Vanguard
Replies: 13
Views: 878

Re: Driving from NYC to Seattle, Must See places?

Hit google as there was an often shared post in the last couple of weeks about routes around the US hitting the biggest "must see" places (per their definitions). It will give you some ideas.... I'll see if I can dig out the list and edit into this post.

Edit: map
by rob
Fri Mar 20, 2015 1:39 pm
 
Forum: Personal Consumer Issues
Topic: Driving from NYC to Seattle, Must See places?
Replies: 12
Views: 1104

Re: Real worth of 1 million dollar IRA?

Also depends what type of IRA... A Roth with 1M is far more valuable than a pre tax IRA of the same balance (why I tax adjust my allocations). It also depends on the withdraw rate... all at once would expose the tax to higher rates than slow enough to fall under the lower tax rates. Didn't answer th...
by rob
Fri Mar 20, 2015 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Real worth of 1 million dollar IRA?
Replies: 17
Views: 2030

Re: Any situations car leasing makes sense?

I think there is but you have to accept your paying for it. As you say, someone who wants a new cars every couple of years AND can afford the negative cash flow - meaning not skipping savings AND can satisify the requirements of the lease on milage (excess milage is almost fatally expensive). IMO it...
by rob
Fri Mar 20, 2015 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any situations car leasing makes sense?
Replies: 63
Views: 5046

Re: IRS Exchange rate reporting

I use Oanda.com to dowbnload a years worth of daily rates (they also have average, min, max rates). You get a choice from interbank rates to credit card rates, so pick what you think you can justify. Since I love excel I dump into a table and on another tab use the date to do a vlookup into the exch...
by rob
Fri Mar 20, 2015 7:16 am
 
Forum: Personal Finance (Not Investing)
Topic: IRS Exchange rate reporting
Replies: 4
Views: 313

Re: Anyone dropping Kaspersky computer security?

Agree, I wouldn't use a Russian security product, nor from any company not deemed top notch and from the Western world. So your saying you only want the CIA, GCHQ and other "good guys" spying on you instead? The IT industry cannot currently be trusted on this topic and that needs to chang...
by rob
Thu Mar 19, 2015 9:14 pm
 
Forum: Personal Consumer Issues
Topic: Anyone dropping Kaspersky computer security?
Replies: 29
Views: 3037

Re: job offer, 2x salary

I fail to see the downside of this?? Would be hard to passup a double of current salary :shock:
by rob
Wed Mar 18, 2015 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: job offer, 2x salary
Replies: 53
Views: 4830

Re: Underpriced house recently sold

Dunno... Maybe the inspection turned up a lot of major issues? Are the comparables really comparable - the ones they used for our place were nonsense as in different nbr of bedrooms/bathrooms etc.
by rob
Wed Mar 18, 2015 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Underpriced house recently sold
Replies: 13
Views: 1505

Re: How Much To Negotiate Realtor Commission

Real estate commission as a percentage of sale price is long overdue for reform imo Completely agree.... but with the near monopoly it's going to be a tough one to crack..... That may be but don't forget all the time Realtors spend with clients who don't buy or listings that don't sell, and they ma...
by rob
Tue Mar 17, 2015 10:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Much To Negotiate Realtor Commission
Replies: 31
Views: 2725

Re: RSU Vesting and Exercising

Words are important... The way you wrote it sounds like nothing vests before 4 years (so called cliff vesting). Taxed as income on the vest date. Some companies will include in your W2 others your on your own. Most likely tax will be withheld at the holding brokerage (they sell some shared to remit ...
by rob
Tue Mar 17, 2015 7:53 pm
 
Forum: Investing - Theory, News & General
Topic: RSU Vesting and Exercising
Replies: 6
Views: 550

Re: Should I sell my car?

Yes... Been in that spot and wasted money leavnig a depreciating asset sit basically unused (stayed away longer than expected) - eventually sold for far less.
by rob
Mon Mar 16, 2015 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I sell my car?
Replies: 12
Views: 1045

Re: How Much To Negotiate Realtor Commission

Dutch wrote:Real estate commission as a percentage of sale price is long overdue for reform imo

Completely agree.... but with the near monopoly it's going to be a tough one to crack.....
by rob
Mon Mar 16, 2015 7:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Much To Negotiate Realtor Commission
Replies: 31
Views: 2725

Re: Credit Report Very Low For No Reason? Fixing it?

annualcreditreport.com is the one you want to go to for your credit report. Does this site actually work? I used it a few times and ONCE managed to get access online.... every other time it's fill out these 300 forms and mail them in. You can tell they are not wanting to provide this info and just ...
by rob
Mon Mar 16, 2015 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 56
Views: 2886

Re: Can you quantify how Bogleheads has helped you?

4. Tax-loss harvesting of 529 plans which is unusual, but saved more than two thousand dollars. Do you mind explaining this point some more? As to the question at hand..... no real way to know or even start to estimate but I have no doubt it's signifiant. It's been a change in the way of thinking, ...
by rob
Sun Mar 15, 2015 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you quantify how Bogleheads has helped you?
Replies: 23
Views: 2031

Re: Roth IRA married limits

Looks like your going to have to get used to your wife been correct :-)

Edit - Welcome to the marrage penalty :twisted: :annoyed
by rob
Sat Mar 14, 2015 10:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA married limits
Replies: 13
Views: 1010

Re: Ice Dams - now what?

sans souliers wrote:Houses with no ice dams, no gutters.

No Gutters - HUGE ice damns here (nothing above the overhang).... It's not that simple.
by rob
Sat Mar 14, 2015 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Ice Dams - now what?
Replies: 49
Views: 4397

Re: Ice Dams - now what?

And then... electrify all that copper! Only semi-serious here... but since it's copper, I wonder if there is a safe way to heat it, without extra products installed over (ugly) or under (safe?). I have been tearing my hair out for a while on this topic.... All that stuff about insulation is nonsens...
by rob
Sat Mar 14, 2015 1:23 pm
 
Forum: Personal Consumer Issues
Topic: Ice Dams - now what?
Replies: 49
Views: 4397

Re: Best Business Start-up?

NONE..... Your clearly not passionate about any of them and some are not even ideas... the just build an app made me laugh as did tow truck (have you been involved in that business before?).
by rob
Sat Mar 14, 2015 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Best Business Start-up?
Replies: 16
Views: 1174

Re: Heavy 401K Contributor? Read Your Custodian's Fine Print

Plan might have failed it's discrimination test.... GUESS
by rob
Sat Mar 14, 2015 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Heavy 401K Contributor? Read Your Custodian's Fine Print
Replies: 4
Views: 644

Re: Vanguard Diehards Alumni

Thanks for the reminder of how old I am getting :D Been here from the start and never went back to the M* forum (for various reasons some will recall).
by rob
Fri Mar 13, 2015 10:52 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Vanguard Diehards Alumni
Replies: 23
Views: 1220

Re: Finra raps UBS, Vanguard with fines totaling $850,000

Agree it's a very bad PR issue...... and a potential sign that Vanguard is not paynig attention to important things. The 350K meh.... we will all pay for it in some way but it's within the petty cash for the cost of operations and they likely carry some form of insurance anyway.
by rob
Thu Mar 12, 2015 6:22 pm
 
Forum: Investing - Theory, News & General
Topic: Finra raps UBS, Vanguard with fines totaling $850,000
Replies: 23
Views: 2746

Re: What are Costco's best deals?

I hit up the bulk staples for great deals: 25 pound bag of salt - $4 50 pound bag of bread flour - $14 25 pound bag of pinto beans - Don't recall but it was cheap 20 lb bag of rice - $16 etc. Helps feed our family for months or even years for literally pennies per meal. You have to be careful with ...
by rob
Thu Mar 12, 2015 4:58 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 20058

Re: Edward Jones Account Closing Fees

I have three accts with Edward Jones. I wonder if Vanguard ever helps with those three charges of $95 each? I certainly hope NOT :shock: As far as I know Vanguard does not refund since it would come from other shareholders as the structure is not like regular companies..... sorry but this one does ...
by rob
Thu Mar 12, 2015 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Account Closing Fees
Replies: 90
Views: 6930

Re: Do you really need 2.5 million to retire well?

...A $100k income family will probably get $30k a year in SS (assuming two spouses)... I once pondered the idea of having two spouses concurrently, but people kept telling me it would never work... Made me laugh. :D :D :D I'm pretty sure two spouses falls to the expense side of the balance sheet NO...
by rob
Thu Mar 12, 2015 3:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you really need 2.5 million to retire well?
Replies: 121
Views: 12781

Re: How much international is too much?

Oh, I'm definitely timing. And I'm definitely tinkering. Well in that case let me go grab my crystal ball..... Yeah it confirms my opinion and it also consulted with my magic 8-ball... I have not a clue 8-) :D You obviously know the deal here... It might or might not pay off. Europe is not exactly ...
by rob
Thu Mar 12, 2015 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: How much international is too much?
Replies: 113
Views: 9131

Re: How much international is too much?

MSCI website lists US currently at 57% of world (free float which is @85% of equity assets) pct...... but it moves around a bit and also depends what you count. I would say 70-80% is out of line with the index.... unless you have a reason other than the recent band wagon to lean against the US. Ther...
by rob
Thu Mar 12, 2015 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: How much international is too much?
Replies: 113
Views: 9131

Re: Where to retire in New England?

but housing is insane and only going to get worse. I was shocked recently to see our estimated house value get a dot in it :shock: Granted nice house in nice location close to the city.... but still. On the other hand we get the usual letters from real estate a lot wanting houses but also started g...
by rob
Thu Mar 12, 2015 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Where to retire in New England?
Replies: 101
Views: 7524

Re: Edward Jones Account Closing Fees

IMO.... Whether it's $100 or $400, it's money WELL spent to get away from that place.
by rob
Thu Mar 12, 2015 11:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Account Closing Fees
Replies: 90
Views: 6930
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