Search found 815 matches

by Hector
Thu Apr 20, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Skip ESPP? - 5% discount on fix date with holding period of 6 months
Replies: 37
Views: 2400

Re: Skip ESPP? - 5% discount on fix date with holding period of 6 months

Purchase Price: "The price you pay for the stock will be 95% of the closing price of "Company Name" Common Stock on the last business day of the period." Sell, Transfer, or Obtain Certificates "You are required to own the shares for six-months from the date of purchase befo...
by Hector
Thu Apr 20, 2017 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Skip ESPP? - 5% discount on fix date with holding period of 6 months
Replies: 37
Views: 2400

Re: Skip ESPP? - 5% discount on fix date with holding period of 6 months

Using the $107,000 salary/$4,000 ESPP per quarter example listed previously, another way to ask this question is: "Am I comfortable holding $8k worth of company stock for the duration of my employment, in exchange for $170/quarter of free money?" My company's stock tracks the S&P 500 ...
by Hector
Wed Apr 19, 2017 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Skip ESPP? - 5% discount on fix date with holding period of 6 months
Replies: 37
Views: 2400

Re: Skip ESPP? - 5% discount on fix date with holding period of 6 months

Using the $107,000 salary/$4,000 ESPP per quarter example listed previously, another way to ask this question is: "Am I comfortable holding $8k worth of company stock for the duration of my employment, in exchange for $170/quarter of free money?" My company's stock tracks the S&P 500 ...
by Hector
Wed Apr 19, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Skip ESPP? - 5% discount on fix date with holding period of 6 months
Replies: 37
Views: 2400

Re: Skip ESPP? - 5% discount on fix date with holding period of 6 months

gogleheads.orb wrote:no,

it's free money with relatively low risk., no? If your employer stock holdings are only a small percentage of your net worth I don't see an issue.


Maximum contribution in 6 months = ~5% of current total stock holdings.
by Hector
Wed Apr 19, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Skip ESPP? - 5% discount on fix date with holding period of 6 months
Replies: 37
Views: 2400

Re: Skip ESPP? - 5% discount on fix date with holding period of 6 months

A program this stingy is hard to make a case for. Without a holding period, the 5.26% immediate return becomes about 50% annualized, because your payroll deductions are on average 1.5 months before purchase. The six-month holding period nixes that though, since your money is willy nilly invested fo...
by Hector
Wed Apr 19, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Skip ESPP? - 5% discount on fix date with holding period of 6 months
Replies: 37
Views: 2400

Re: Skip ESPP? - 5% discount on fix date with holding period of 6 months

OP - earlier this year you posted about an ESPP with more details and slightly different (and better) terms: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=209768 Is this the same plan as the one you are asking about here? Information I posted in the previous post(the one that you referre...
by Hector
Fri Apr 14, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Skip ESPP? - 5% discount on fix date with holding period of 6 months
Replies: 37
Views: 2400

Skip ESPP? - 5% discount on fix date with holding period of 6 months

Purchase Price: "The price you pay for the stock will be 95% of the closing price of "Company Name" Common Stock on the last business day of the period." Sell, Transfer, or Obtain Certificates "You are required to own the shares for six-months from the date of purchase befor...
by Hector
Wed Apr 12, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Out of market during rolling over a 401(k) into an IRA
Replies: 5
Views: 368

Re: How to Roll Over a 401(k) into an IRA?

I called and found out that I can not do 'in-kind' transfer. They will have to liquidate positions. Also check can't be sent to my IRA directly. I will get a check and will have to send it to my IRA. So I should be out of market for few days. I hold 100% stock in 401k. I keep short term treasury as ...
by Hector
Wed Apr 12, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Out of market during rolling over a 401(k) into an IRA
Replies: 5
Views: 368

Re: How to Roll Over a 401(k) into an IRA?

Certainly, I recently transferred my fidelity 401k to fidelity Ira. Just be sure to tell them you want to transfer it "in kind". If transferring to a different brokerage, there might be an occasional fund that will not transfer, in which case that fund will be liquidated. Remember that co...
by Hector
Wed Apr 12, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Out of market during rolling over a 401(k) into an IRA
Replies: 5
Views: 368

Out of market during rolling over a 401(k) into an IRA

The way I understand the process; I ask my previous plan administrator for “direct rollover”. My position in 401k will be liquidated and and check will be mailed to brokerage firm where my IRA is. Is it possible to do transfer my current holdings from 401k to IRA without liquidating it? Replaced or...
by Hector
Fri Apr 07, 2017 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: HSA contribution limit - mid year change for multiple family members
Replies: 1
Views: 160

HSA contribution limit - mid year change for multiple family members

Family members: self, spouse, kid January to March; 3 months: High deductible health insurance plan for the entire family. April to May; 2 months: High deductible health insurance plan for self NOT hight deductible health insurance plan for spouse and kid June to December: NOT hight deductible healt...
by Hector
Fri Apr 07, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care FSA - mid year
Replies: 2
Views: 192

Re: Health Care FSA - mid year

Thanks. I called plan administrator and confirmed that expenses occurred prior to eligibility date can not be reimbursed.
by Hector
Fri Apr 07, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent care flexible spending account - starting mid-year
Replies: 3
Views: 210

Re: Dependent care flexible spending account - starting mid-year

Thanks. I called plan administrator and confirmed that expenses occurred prior to eligibility date can not be reimbursed.
by Hector
Fri Apr 07, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care FSA - mid year
Replies: 2
Views: 192

Health Care FSA - mid year

I am starting new job and will able to contribute to health care FSA starting form June 1st. Would I able to get reimbursement for medical expenses that I already paid for family before June 1st? I understand that I can not use the same medical expense to get reimbursement from HSA or I can not take...
by Hector
Fri Apr 07, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent care flexible spending account - starting mid-year
Replies: 3
Views: 210

Dependent care flexible spending account - starting mid-year

I am starting new job and have some questions about dependent care FSA. I will be eligible to to contribute from June. Since this is calendar year account (Jan 1st to Dec 31st), I should be reimbursed for expense that I already paid before June 1st, correct? Lets say dependent care expense was 3000 ...
by Hector
Thu Mar 23, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Selecting health insurance during pregnancy
Replies: 21
Views: 1235

Re: Selecting health insurance during pregnancy

In the process of applying for health insurance through market place I learned that there is no discount in premium when getting one insurance policy for multiple family members VS getting separate insurance policies for multiple family members. Here is the summary: Family size: me, pregnant wife an...
by Hector
Thu Mar 16, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Log in issue at T.Rowe Price for free X-ray
Replies: 1
Views: 221

Log in issue at T.Rowe Price for free X-ray

I have been using T.Rowe Price for free X-ray. But I have been getting problem with log in recently.
After I log in, I get blank page 'https://www3.troweprice.com/aaweb1/common/page/not-enabled.otc' . I have tried clearing cookies and a different browser.
Anyone else with this issue?
by Hector
Thu Mar 09, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to report Box 10. Net Section 1231 Gain (Loss) from schedule K-1 to Form 4797?
Replies: 6
Views: 504

How to report Box 10. Net Section 1231 Gain (Loss) from schedule K-1 to Form 4797?

How to report Box 10. Net Section 1231 Gain (Loss) from schedule K-1 to Form 4797? Amount for 'Box 10. Net Section 1231 Gain (Loss)' on schedule K-1(Form 1065) is '-5'. Instruction for it from irs site,https://www.irs.gov/instructions/i1065sk1/ch02.html is "If the amount is a loss from a passiv...
by Hector
Wed Mar 08, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: 401k ADP/ACP Refund - Excess Return - EE
Replies: 1
Views: 173

401k ADP/ACP Refund - Excess Return - EE

I learned that I am getting a return of a excess refund from my 401k plan. I found a smilier post, but it was few years ago so I posting again. Based on previous post and Publication 525, I should be getting a check from the fund that manages 401k. And I do not need to do anything about this for tax...
by Hector
Wed Mar 08, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Selecting health insurance during pregnancy
Replies: 21
Views: 1235

Re: Selecting health insurance during pregnancy

A couple thoughts for you: Remember, with pregnancy most preventative care is covered with no additional out of pocket cost and this includes all of the major prenatal visits and screenings. This does not change regardless of whether you have a bronze or platinum plan under the ACA. The only major ...
by Hector
Wed Mar 08, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Selecting health insurance during pregnancy
Replies: 21
Views: 1235

Re: Selecting health insurance during pregnancy

dm200 wrote:
Nate79 wrote:Not sure if it applies in this case but switching plans often/usually resets deductibles.


as well as (probably) maximum "out of pocket" limits.


That is my understanding too.
by Hector
Wed Mar 08, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Selecting health insurance during pregnancy
Replies: 21
Views: 1235

Re: Selecting health insurance during pregnancy

I'm just curious about whether all these gyrations are necessary and whether it might be better to just gave one family plan for all of you including the baby until the next open season. Having a baby is a qualifying event, but I'm pretty sure it's only qualifying for the baby. Please be aware babi...
by Hector
Tue Mar 07, 2017 12:53 am
Forum: Personal Finance (Not Investing)
Topic: Selecting health insurance during pregnancy
Replies: 21
Views: 1235

Re: Selecting health insurance during pregnancy

After reading all responses and thinking over, I am thinking: Get Kaiser Platinum plan from market place for wife from April to July. premium:513.69 Get Kaiser Bronze plan for kid and me from market place for April and May. premium:445.78 Get non-Kaiser Bronze plan from work for June and July; June ...
by Hector
Mon Mar 06, 2017 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Selecting health insurance during pregnancy
Replies: 21
Views: 1235

Re: Selecting health insurance during pregnancy

I think it is a good idea to look at the maximum out of pocket costs for each plan (premium + OOP max). Then, I think it is worth checking to see what the costs would be for different potential coverage situations: 3k, 5k, 10k, 50k, 100k. Remember, with pregnancy most preventative care is covered w...
by Hector
Mon Mar 06, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Selecting health insurance during pregnancy
Replies: 21
Views: 1235

Re: Selecting health insurance during pregnancy

So, you changing from employer Kaiser to marketplace Kaiser, is that it? When does the employer insurance end? And of course, remember, that you won't have to put the baby on the insurance until it's born. I think it gets 30 days coverage under the mom's health insurance. As mentioned, bear in mind...
by Hector
Mon Mar 06, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Selecting health insurance during pregnancy
Replies: 21
Views: 1235

Re: Selecting health insurance during pregnancy

Wife is pregnant and we are looking for health insurance. We are going to Kaiser right now and want to continue with Kaiser. I compared all plans offered by Kaiser and thinking about going with the plan which has the lowest total expense (total premium for remaining 2017 + annual out of pocket maxi...
by Hector
Mon Mar 06, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Selecting health insurance during pregnancy
Replies: 21
Views: 1235

Re: Selecting health insurance during pregnancy

Wife is pregnant and we are looking for health insurance. We are going to Kaiser right now and want to continue with Kaiser. I compared all plans offered by Kaiser and thinking about going with the plan which has the lowest total expense (total premium for remaining 2017 + annual out of pocket maxi...
by Hector
Mon Mar 06, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Selecting health insurance during pregnancy
Replies: 21
Views: 1235

Selecting health insurance during pregnancy

Wife is pregnant and we are looking for health insurance. We are going to Kaiser right now and want to continue with Kaiser. I compared all plans offered by Kaiser and thinking about going with the plan which has the lowest total expense (total premium for remaining 2017 + annual out of pocket maxim...
by Hector
Thu Mar 02, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Tax statement from HSA - TD Ameritrade in California
Replies: 2
Views: 333

Re: Tax statement from HSA - TD Ameritrade in California

You won't get the statement. TD Ameritrade sent 1099 forms for HSAs in 2013 , then apologized for the mistake, probably because many people were reporting the dividends incorrectly on their federal tax. (It was actually useful for me, as I lived in NJ at the time, and didn't know that one of the di...
by Hector
Wed Mar 01, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Tax statement from HSA - TD Ameritrade in California
Replies: 2
Views: 333

Tax statement from HSA - TD Ameritrade in California

Would I get some tax statement from TD Ameritrade (HSA via HSA bank). Or would I need to manually look at transaction details to report dividend and capital gain to report on California state return?
by Hector
Tue Jan 31, 2017 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP at 5% discount, 6 months holding period
Replies: 18
Views: 1310

Re: ESPP at 5% discount, 6 months holding period

Maximum contribute: up to 10% of post tax earnings Are you sure it's post tax and not pre-tax? That would lead to quite a variable limit for different employees based on their allowances. Might even be labor law issue if it's unfair to any particular group. It would also invite folks to adjust the ...
by Hector
Tue Jan 31, 2017 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP at 5% discount, 6 months holding period
Replies: 18
Views: 1310

Re: ESPP at 5% discount, 6 months holding period

I would not use it for a 5% discount...... Does it have a look-back on the price? Some plans use the lower of the price at the end of the period or some starting date that can sometime be a fair way back in time. If it has a long look-back then maybe it's worth it. The price you pay for the stock w...
by Hector
Tue Jan 31, 2017 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP at 5% discount, 6 months holding period
Replies: 18
Views: 1310

Re: ESPP at 5% discount, 6 months holding period

Easy Rhino wrote:Is there a holding period after you get the stock?


6 months.
by Hector
Tue Jan 31, 2017 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP at 5% discount, 6 months holding period
Replies: 18
Views: 1310

ESPP at 5% discount, 6 months holding period

Holding period: 6 months The price you pay for the stock will be 95% of the closing price of Stock on the first or last business day of the six-month period, whichever is less . The Offering Period: in six-month intervals; from January 1 to June 30 and from July 1 to December 31 Maximum contribute: ...
by Hector
Tue Jan 31, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Move EF to Roth?
Replies: 8
Views: 821

Re: Move EF to Roth?

celia wrote:If you have an emergency, would you be eligible to withdraw from the Roth without penalty? Ie, has the account been open 5 years? Are you over 59.5 (or deceased)? :D

Roth accounts have been opened for 5 years.
by Hector
Tue Jan 31, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Move EF to Roth?
Replies: 8
Views: 821

Re: Move EF to Roth?

Need more details. Are you maxing out all tax preferred accounts? Without knowing more, you should probably be making tax deductible contributions with these tax rates. We maxed out one 401k(we had access to only that) and HSA for tax year 2016. If you are not maxing out tax preferred accounts it's...
by Hector
Mon Jan 30, 2017 4:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3401
Views: 876656

Re: U.S. stocks in freefall

vti (domestic) is down less than 1%, which is a pretty expected drop given the Fed's very aggressive stance today and how silly the rally has been. But vxus (international) is down almost 2%! What gives there? Why is international so pathetic that they're affected more by US policies than the US is...
by Hector
Mon Jan 30, 2017 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Move EF to Roth?
Replies: 8
Views: 821

Move EF to Roth?

Tax bracket: 25% federal, 9.3% state Filing jointly Age: mid & late 30s One toddler and pregnant spouse Roth accounts have been opened for 5 years. We do not have enough $$ to max our Roth IRA contribution for the year 2016. I am posting here to see both sides of arguments. Partially fund Roth I...
by Hector
Fri Dec 09, 2016 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Ameriprise: Best way to sell individual stocks in IRA
Replies: 5
Views: 257

Re: Ameriprise: Best way to sell individual stocks in IRA

If you have another IRA with no or less trading fees at another broker, one option is to transfer/rollover(I do not know the exact terminology) there and then sell.
by Hector
Thu Dec 08, 2016 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with wash sale reporting
Replies: 4
Views: 257

Re: Need help with wash sale reporting

Who is your broker? I'd wait until the 1099-B showed up because it might have already done what you need to do. I did document a wash sale in this tutorial: https://www.bogleheads.org/forum/viewtopic.php?t=179414 but that may be more complicated than what you need to know. Thanks!WellsTrade is my b...
by Hector
Thu Dec 08, 2016 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with wash sale reporting
Replies: 4
Views: 257

Need help with wash sale reporting

I made a mess with wash sale and need help with reporting it. How do I report this for 2016 years tax return and then in 2017? Here is the realized profit/loss for Investor class share-VFISX https://2.bp.blogspot.com/-6l6L_iwqzS0/WEmXGr6kReI/AAAAAAAAIRI/Au9AWYc7HbokMXrUSAF9cdr-O5A73uX-ACLcB/s1600/Re...
by Hector
Mon Dec 05, 2016 5:28 pm
Forum: Personal Consumer Issues
Topic: Men's Fashion - Best Bang for Buck
Replies: 79
Views: 7792

Re: Men's Fashion - Best Bang for Buck

I am slim compare to average person and usually have hard time finding shirts that fit me well. So far extra slim fit from Charles Tyrwhitt are my favorite shirts. If I find something in similar quality and price which has longer length and narrower waist, I would love to try it. I am happy with Lev...
by Hector
Fri Dec 02, 2016 8:09 pm
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 6999

Re: What percentage of international do you hold?

Proportional to international equity which is around 50% right now.
0% in bond.
by Hector
Fri Dec 02, 2016 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: DIY Wills - Who to use?
Replies: 24
Views: 2121

Re: DIY Wills - Who to use?

A friend of mine who works as a Tax agent and financial adviser told me that he thought anyone doing their own taxes was like doing your own surgery. If you get your tax return wrong, you have multiple chances to fix the errors. Speaking as a tax preparer, one of the worst things that has happened ...
by Hector
Wed Nov 30, 2016 8:07 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman challenges John Bogle
Replies: 157
Views: 14122

Re: Paul Merriman challenges John Bogle

Paul Merriam is simply saying that small cap value has outperformed large cap blend for the time period he mentioned. We have heard that million times already.
by Hector
Mon Nov 28, 2016 6:31 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2277
Views: 664903

Re: What Book Are You Currently Reading? Part VI

I recently completed 'When Pride Still Mattered' by David Maraniss. Its a biography of Vince Lombardi. Very successfully football coach with awful personal life. I completed 'Sapiens' by Yuval Noah Harari before that and loved it. Its a brief history of human kind. I completed 'Unbroken' by Laura Hi...
by Hector
Mon Oct 10, 2016 6:47 pm
Forum: Investing - Theory, News & General
Topic: Don't really understand TIPS duration...
Replies: 25
Views: 2092

Re: Don't really understand TIPS duration...

A related side question: What is the opportunity cost of holding some ibond at the cost of not fully funding retirement accounts? When it comes to inflation, ibond and TIPs are popular investments. One good thing about ibond is it never drops. One bad thing about ibond is it is not available in reti...
by Hector
Thu Oct 06, 2016 12:54 pm
Forum: Investing - Theory, News & General
Topic: [WSJ] Shiller’s Powerful Market Indicator Is Sending a False Signal About Stocks This Time
Replies: 28
Views: 1460

Re: [WSJ] Shiller’s Powerful Market Indicator Is Sending a False Signal About Stocks This Time

We have seen interest rates falling gradually over few decades now. A person who thought he was close to his # and reduced risk by keeping heavy bond in his AA. No one knows what is going to happen in future, but now that bonds are paying a lot less, wouldn't he be scared of not having enough income...
by Hector
Wed Oct 05, 2016 9:55 am
Forum: Investing - Help with Personal Investments
Topic: zero-dividend investing in taxable account
Replies: 58
Views: 6787

Re: zero-dividend investing in taxable account

It's odd that, with all these ETFs around, there doesn't exist an ETF that consists of all the dividend paying stocks in the S&P 500 and a corresponding ETF that consists of all the stocks in the S&P 500 that don't pay a dividend. I am also puzzled by this. It seems to me that everybody wou...
by Hector
Tue Oct 04, 2016 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 129
Views: 20301

Re: What to do with VGPMX (Vanguard Precious Metals and Mining)?

Man I hope dumping GDX at 30 (about 24 right now) doesn't give me a big ego and turn me into a market timer. One of the trades that I had highest return in was 2X Gold (ProShares Ultra Gold (ETF)). It was not a lot of $$, but it returned me 50% in 10 months. I discovered bogleheads forum around sam...

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