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Re: Paycheck "leap year"

Yes, those who are on a biweekly pay schedule and get paid on Jan 1/Jan 2 this year will get 27 paychecks in 2015. Looking back at Quicken it looks like the last time this happened was in 2004 if the dates on my records are correct. The key adjustment is 401K contributions especially if you have to ...
by stan1
Mon Dec 22, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paycheck "leap year"
Replies: 4
Views: 308

Re: Need to liquidate - sell individual stocks or index fund

I held onto my Vanguard Primecap actively managed fund in a taxable account long after I switched new investments to index funds. I finally sold it in 2013 to pay off my mortgage. I'd sell the legacy stocks you no longer want to own.
by stan1
Mon Dec 22, 2014 1:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need to liquidate - sell individual stocks or index funds
Replies: 10
Views: 394

Re: Car purchase: Buy or Finance

tiff, I remember your portfolio post a few days ago and that you are saving about $150K each year. Pay cash for the new car and be done with it for 10 more years.
by stan1
Mon Dec 22, 2014 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car purchase: Buy or Finance
Replies: 26
Views: 2421

Re: Transfer everything to TSP?

The TSP is planning to offer a mutual fund window but we don't know what participants will be able to purchase or how much it will cost yet. They have told us all participants will pay for the costs to set up the window (e.g. software updates for recordkeeping and education programs) but that the co...
by stan1
Mon Dec 22, 2014 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transfer everything to TSP?
Replies: 9
Views: 819

Re: Poll: How important is rebalancing?

It only starts to become important when its off by much more than 10% which should be able to be managed through new contributions and withdrawals for many people. There's a big difference between 90/10 and 30/70 allocations. Not so much between 60/40 and 50/50 and ZERO difference between 59/41 and ...
by stan1
Mon Dec 22, 2014 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: How important is rebalancing?
Replies: 22
Views: 837

Re: Who should pay for this meal?

Another diplomatic way out of this:
Advise them that you are going to bring your kids so you need to go to a kid-friendly place (and pick something less expensive).

Then you can decide whether to split the bill or pay everything.
by stan1
Sun Dec 21, 2014 3:28 pm
 
Forum: Personal Consumer Issues
Topic: Who should pay for this meal?
Replies: 68
Views: 3942

Re: New boglehead - how do switch?

For the taxable account you have to look at complete cost basis: what you paid for each share, whether you've held it for over a year (short or long term), and whether it has a loss or gain. Anything that has a loss sell immediately. Check again after the next market drop. If capital gains are not l...
by stan1
Sun Dec 21, 2014 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: New boglehead - how do switch?
Replies: 4
Views: 511

Re: Who should pay for this meal?

Did you suggest the restaurant or did your friends? If you suggested it and you have frequently paid in the past you probably have set an expectation you'll pay this time. I'm surprised your friends don't at least insist on splitting the bill. Have they offered to do so in the past and you have insi...
by stan1
Sun Dec 21, 2014 3:08 pm
 
Forum: Personal Consumer Issues
Topic: Who should pay for this meal?
Replies: 68
Views: 3942

Re: Disappointed with sale items

BB has downgraded the quality of the material they use in their shirts. Material is much thinner now. I've noticed the same with other cotton garmets I've purchased in the past year. I did not return the shirts I bought but will probably look around next time I need to buy more. I haven't shopped at...
by stan1
Sun Dec 21, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Disappointed with sale items
Replies: 22
Views: 2428

Re: Mac Users-evernote app

I like Evernote but I use Google Drive/Docs more. It is a little more organized, less bloated, faster, and easily accessible on a computer or smartphone. Interesting, I find it much easier to find tidbits of information in Evernote using a Mac and an iPhone. I find the Evernote app on iPhone to be ...
by stan1
Sun Dec 21, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Mac Users-evernote app
Replies: 14
Views: 982

Re: husband with bi-polar condition spending lots of $

It is possible to get a legal separation/divorce but still let the partner with mental illness live in the family home. I've seen this done before as a way to protect the legal/financial interests of the family without abandonment. Every situation is different; if there are concerns about the safety...
by stan1
Sun Dec 21, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: husband with bi-polar condition spending lots of $
Replies: 18
Views: 3379

Re: 1-day-old Bogleheader seeking portfolio review

I think you understand the issues, and I'm glad to hear you've made the decision to sell off some of the options. My partner worked at your husband's company for 10+ years and although he worked in a support role rather than engineering/management the value of his options did eventually become 30%+ ...
by stan1
Sun Dec 21, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1-day-old Bogleheader seeking portfolio review
Replies: 19
Views: 2013

Re: Mac Users-evernote app

I have been using Evernote for about 5 years. I am not a "note taking person" by nature so I use it instead of creating a bunch of MS word documents to help me remember things like trip itineraries and plans. I cannot use Evernote or other cloud based apps on my employers network. I don't ...
by stan1
Sun Dec 21, 2014 11:12 am
 
Forum: Personal Consumer Issues
Topic: Mac Users-evernote app
Replies: 14
Views: 982

Re: Stop contributing to 401k to pay off CC

It sounds like all of your contributions are 100% or 50% matched so it would be good to continue that, if possible. What you didn't tell us is how long it will take you to pay off the $6K in credit card debt if you continue with the 401K contributions. A few months? A year? 3 years? If it will take ...
by stan1
Sat Dec 20, 2014 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stop contributing to 401k to pay off CC
Replies: 21
Views: 1171

Re: Is it safe to use a credit card at Target?

Anyone still concerned about Target's credit card system vulnerabilities? Today it is probably safer to use a credit card at Target or Home Depot than at other retailers. They've both brought in large teams of security consultants to look for vulnerabilities and update their cybersecurity practices...
by stan1
Fri Dec 19, 2014 11:26 pm
 
Forum: Personal Consumer Issues
Topic: Is it safe to use a credit card at Target?
Replies: 23
Views: 1687

Re: Federal Taxes - Sticker Shock (And how to reduce)

OP can also reduce his taxes next year by telling his boss he wants a pay cut.
by stan1
Fri Dec 19, 2014 10:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Taxes - Sticker Shock (And how to reduce)
Replies: 58
Views: 4977

Re: Building a New House

It is a little bit of a "which comes first, the chicken or the egg" problem, but I would also consider a design build contractor before you lock into a custom design. There's a big difference between a house you can customize to your tastes and a truly one-off, custom house. Many people wh...
by stan1
Fri Dec 19, 2014 9:54 pm
 
Forum: Personal Consumer Issues
Topic: Building a New House
Replies: 11
Views: 1319

Re: Does your work define you?

Everything is about balance. You have to figure what that means to you and take action to achieve what you want.
by stan1
Tue Dec 16, 2014 7:35 am
 
Forum: Personal Consumer Issues
Topic: Does your work define you?
Replies: 30
Views: 2729

Re: Another new laptop advice.

End of extended support for Windows 7 is Jan, 2020 so if you think he'll keep the computer for more than 5 years Windows 8.1 might be a better choice.

Configure Windows 8.1 with the "classic" view.
http://windows.microsoft.com/en-us/wind ... assic-view
by stan1
Sun Dec 14, 2014 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Another new laptop advice.
Replies: 10
Views: 1249

Re: Anyone prep for the PMP???

Part of what PMBOK is trying to do is standardize project management terminology across industries. That's a noble objective, but the fact that different industries and organizations use different terminology still remains. It does seem like PMI went out of their way to show no bias towards any indu...
by stan1
Sun Dec 14, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Anyone prep for the PMP???
Replies: 16
Views: 3097

Re: Total Market fund for Developed countries only

I suspect the Morningstar factors do not match perfectly (mainly due to the size factor), but there is something to be said for keeping it simple. If you have a 50/50 portfolio and a 3/2 US/International ratio, Canada is only about 1.5% of the portfolio. No point in slicing any thinner by my calcul...
by stan1
Sun Dec 14, 2014 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: Total Market fund for Developed countries only
Replies: 17
Views: 1410

Re: Suggested tax book for beginner?

IRS Pub 17 "Your Federal Income Tax" is a great place to start. Here's a link to 2013 version, should be "good enough" if you just want general info and aren't trying to solve a specific 2014 tax issue (since 2014 pub isn't available yet): http://www.irs.gov/pub/irs-pdf/p17.pdf A...
by stan1
Sat Dec 13, 2014 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggested tax book for beginner?
Replies: 17
Views: 1659

Re: What is a move-up car after mid-size sedan?

If you like the Camry you could look at a Lexus ES. Definitely not "sporty".
by stan1
Sat Dec 13, 2014 5:56 pm
 
Forum: Personal Consumer Issues
Topic: What is a move-up car after mid-size sedan?
Replies: 63
Views: 4048

Re: For you slicers/dicers out there [rebalancing/adding new

I have no plans to ever sell anything in a taxable account just to rebalance. What I have done is to contribute shares from an overweight asset class to my Donor Advised Fund and I have sold overweight/unwanted asset classes in my taxable account to make large purchases (new car, work on house). I o...
by stan1
Sat Dec 13, 2014 11:27 am
 
Forum: Investing - Theory, News & General
Topic: For you slicers/dicers out there [rebalancing/adding new $]
Replies: 20
Views: 1896

Re: Equal weight ETF (Guggenheim's RSP) vs Vanguard VTI???

Equal weight S&P 500 allocation is essentially a heavy overweighting of mid caps. I choose to overweight small caps relative to the total market. I'm not sure that 100% market cap or 100% equal weighting is optimal so I pick something in the middle. Further since there is no way to predict futur...
by stan1
Sat Dec 13, 2014 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Equal weight ETF (Guggenheim's RSP) vs Vanguard VTI???
Replies: 19
Views: 1795

Re: Very strange burglary

Bored kids looking for souvenirs of their adventures (not hardened criminals, at least yet).
by stan1
Fri Dec 12, 2014 8:20 pm
 
Forum: Personal Consumer Issues
Topic: Very strange burglary
Replies: 41
Views: 4687

Re: help! suspicious call asking about my SS application

I can guarantee you that SSA has remote teleworkers so the fact that you heard a barking dog should not be a red flag. I would not expect the caller ID to say "SSA". If I was expecting the call I would have engaged with her so long as the questions seemed relevant to the application I'd su...
by stan1
Fri Dec 12, 2014 12:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: help! suspicious call asking about my SS application
Replies: 12
Views: 1423

Re: Backdoor Roth process at Vanguard

The contribution funds are in the Traditional IRA account for a day or so. Really doesn't matter what you put it into. I contribute to a money market fund in the Traditional IRA and then invest it in the asset class I want in the Roth when I do the conversion. Since the Vanguard Traditional IRA acco...
by stan1
Fri Dec 12, 2014 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth process at Vanguard
Replies: 36
Views: 2200

Re: What to do with profits: disagreements with partners

I have to ask, are you physicians? If not what line of business? It may influence the advice you get here.
by stan1
Fri Dec 12, 2014 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: What to do with profits: disagreements with partners
Replies: 9
Views: 1051

Re: Poll: Your Portfolio Tax Diversification

About 45% taxable, 45% traditional 401K, 10% Roth IRA.

It is what it is. Contribution options open to me are maxed out and with a 37.3% marginal tax rate there's no reason for me to contribute to a Roth 401K.
by stan1
Fri Dec 12, 2014 9:27 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Your Portfolio Tax Diversification
Replies: 45
Views: 2458

Re: Totally Stressed. Husband lost job.

I'd start espousing the benefits military service to the kids (service academies, ROTC, enlisted as appropriate). Paid education, leadership/management skills, discipline, community. It's good that you are instilling a strong work ethic (small jobs while they are young).
by stan1
Fri Dec 12, 2014 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Totally Stressed. Husband lost job.
Replies: 28
Views: 6362

Re: (Poll) Did you tap into emergency fund in the past 10 ye

I have spontaneously decided to take vacations, replace lawn with artificial turf, restucco, and replace cars. These might not be emergencies but I was able to make the decision immediately because I had liquidity rather than telling myself "oh, maybe I better wait two months to replace the law...
by stan1
Thu Dec 11, 2014 8:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: (Poll) Did you tap into emergency fund in the past 10 years?
Replies: 62
Views: 4502

Re: Life as an Expat

This entirely depends upon where you are at. London vs. Maputo vs. Riyadh vs. Dubai vs. Dhaka vs. Jakarta? It's completely different. There are some places where every first thought has to be about safety which requires some getting used to.
by stan1
Wed Dec 10, 2014 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life as an Expat
Replies: 1
Views: 542

Re: Pay down mortgage or do nothing?

Personal preference. Once retirement account contributions are maxed I think a mix of asset accumulation and debt reduction makes good sense, but that's my preference. A taxable investment account gives you liquidity that a retirement account doesn't offer so I wouldn't sacrifice that in order to pa...
by stan1
Wed Dec 10, 2014 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay down mortgage or do nothing?
Replies: 27
Views: 2420

Re: Stolen computer

Report the theft to your employer's IT help desk IMMEDIATELY (or similar if anyone of them have 24/7 manning). If you are in a smaller company let your boss know. Was the hard drive encrypted, or hopefully you at least have a password on the computer? Odds are the thief is after the laptop itself --...
by stan1
Wed Dec 10, 2014 9:35 pm
 
Forum: Personal Consumer Issues
Topic: Stolen computer
Replies: 29
Views: 2361

Re: Poll: Dividend income to match annual salary?

I don't think it will ever happen, even if I live 30 years into retirement.
by stan1
Wed Dec 10, 2014 8:46 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Dividend income to match annual salary?
Replies: 39
Views: 3647

Re: What is the best meal you've had at a restaurant?

No single best, but some highlights: - Fresh caught shrimp BBQ'd on the beach in Limbe, Cameroon. These were the 8" "Nigerian" shrimp which you won't see in the US. Delicious, but the government decided to put an offshore oil platform in the middle of the bay so the view is definitely...
by stan1
Wed Dec 10, 2014 6:23 am
 
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 88
Views: 6585

Re: Quintessential Australia/New Zealand Things To Do/Visit

I've been to Auckland twice. It's a big city but doesn't have as much history or culture as other parts of NZ. Some of the interesting places in New Zealand are Christchurch, Dunedin, Queenstown, and Milford Sound on the South Island plus Napier and maybe Wellington on the North Island. All of which...
by stan1
Tue Dec 09, 2014 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Quintessential Australia/New Zealand Things To Do/Visit
Replies: 17
Views: 1329

Re: Paying down mortgage vs maxing out retirement

You aren't giving us a lot of details -- but in general I would say that someone with $1.3M saved for retirement and a $591K mortgage is in a position to pay down the mortgage quicker. You could re-fi with a 15 year mortgage or make two extra payments every year. Your specific situation may be diffe...
by stan1
Tue Dec 09, 2014 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying down mortgage vs maxing out retirement
Replies: 11
Views: 1425

Re: Donate or Sell AV Receiver

Or give it to a friend who will appreciate it.
by stan1
Tue Dec 09, 2014 7:03 am
 
Forum: Personal Consumer Issues
Topic: Donate or Sell AV Receiver
Replies: 11
Views: 883

Re: Transferring files onto a new computer

Sorry if this sounds dumb.... I suppose program files need to be re installed...is this correct? 1210 I've started keeping a log of software installs so that when I need to reinstall I don't have to rely on my memory. It can be easy to overlook how many different programs you rely on. Just looked a...
by stan1
Mon Dec 08, 2014 11:04 am
 
Forum: Personal Consumer Issues
Topic: Transferring files onto a new computer
Replies: 30
Views: 2035

Re: Transferring files onto a new computer

Sorry if this sounds dumb.... I suppose program files need to be re installed...is this correct? 1210 Yes, must be reinstalled. Since almost all of my applications these days are free downloads (Dropbox, Evernote, Chrome, Google Earth, ...) I just download them again on to the new computer to make ...
by stan1
Mon Dec 08, 2014 10:33 am
 
Forum: Personal Consumer Issues
Topic: Transferring files onto a new computer
Replies: 30
Views: 2035

Re: Daughter's retirement accounts - roth or traditional

What's her marginal tax rate (federal plus state plus local, if applicable)? There's no magic formula, but to my mind when the marginal tax rate gets up above say 30% it does make sense to take the "sure thing" of the current year tax savings that come with a Traditional 401K contribution ...
by stan1
Sun Dec 07, 2014 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Daughter's retirement accounts - roth or traditional
Replies: 21
Views: 1786

Re: Investing Magazines

I suspect the writers for Money and Kiplinger's come to this website to get story ideas.
by stan1
Sun Dec 07, 2014 6:51 pm
 
Forum: Investing - Theory, News & General
Topic: Investing Magazines
Replies: 29
Views: 2250

Re: Returning to college at age 32: Help picking a major

His biggest concern is his age. He's looking at being 35-36 by the time he enters the workforce with his new major, so he wants to pick a field that might not have as much age bias, and good opportunities for someone entering in their mid-30s. I think both computer science and accounting will have ...
by stan1
Sun Dec 07, 2014 4:22 pm
 
Forum: Personal Consumer Issues
Topic: Returning to college at age 32: Help picking a major
Replies: 19
Views: 1208

Re: Review IPS and Strategy Across PreTax, Roth, Taxable Acc

Couple reasons why I'd stick with the Traditional 401K/taxable savings: - Having taxable savings gives you assets to spend down and dividends until you reach retirement age and have full access to retirement accounts - Your military/VA benefits are not taxable so that will help keep you in a lower t...
by stan1
Sun Dec 07, 2014 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Review IPS and Strategy Across PreTax, Roth, Taxable Account
Replies: 4
Views: 893

Re: I'm scared - online hacking

My mom wire transfered $200K from her local credit union to Pentagon Federal last year to take advantage of 3% CDs. We initiated the transfer online but the losing credit union called the next business day and asked her many questions before approving the wire. I expect most banks would do similar.
by stan1
Sun Dec 07, 2014 3:39 pm
 
Forum: Personal Consumer Issues
Topic: I'm scared - online hacking
Replies: 44
Views: 4867

Re: Splitting Total International into Developed + Emerging

My view of VEU is that it is mostly an obsolete remnant from an earlier day. VEU came out as an ETF when Total International was still a fund of funds which did not offer an ETF share class. Since then Vanguard has added small caps to Total International as well as ended its fund of funds compositio...
by stan1
Sun Dec 07, 2014 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Splitting Total International into Developed + Emerging
Replies: 4
Views: 357

Re: how much house can i afford?

I don't think you mentioned your age .... different for someone who has 30 years until retirement not 10 years. A $750K house on a $150K income isn't going to work by itself, but you have assets to make a $300-400K downpayment. It sounds like you can't pull the money owed to you by the business out ...
by stan1
Sun Dec 07, 2014 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: how much house can i afford?
Replies: 14
Views: 1357

Re: Is it safe to leave Laptop in hotel room

When I have a car I bring it with me. When I don't I put it in the room safe. When there isn't a room safe I put it in a dresser drawer under some clothes rather than leaving it out on the desk.
by stan1
Sat Dec 06, 2014 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 7990
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