Search found 823 matches

by Hector
Wed Sep 27, 2017 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Stock screener which compares criteria to industry average
Replies: 0
Views: 96

Stock screener which compares criteria to industry average

Stock screener at Scottrade has criteria by which you can compare something to industry average. For example, I can select P/E and click on 'below industry average' checkbox. It gives me list of companies with P/E ratio below industry average. Now TD Ameritrade is taking over Scottrade and this feat...
by Hector
Fri Aug 11, 2017 7:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Government Bond Index Funds changing names and indices (dropping agency bonds)
Replies: 56
Views: 5758

Re: Vanguard Government Bond Index Funds changing names and indices (dropping agency bonds)

This is great news. I hold Vanguard Short-Term Treasury fund and am disappointed that fund does not invest 100% in treasury the way fidelity treasury funds do.
by Hector
Thu Jul 20, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Paid Family Leave - California
Replies: 19
Views: 1332

Re: Paid Family Leave - California

This is for myself to read after I have the baby, or for anyone else who is interested. I found out that it is all one claim, even if you are planning on "intermittent" leave (breaking up your PFL). If you're the Dad, you have to wait until after you have the baby and you must be off work for seven...
by Hector
Thu Jul 20, 2017 11:36 am
Forum: Investing - Theory, News & General
Topic: Continue stock picking or invest in index funds
Replies: 26
Views: 2649

Re: Continue stock picking or invest in index funds

If I was able to beat the market for two years now, I would gradually increase % of money that I put in it. Indexing is great for most of us, but not for the ones who know what are they doing; warren buffet is a famous one. I'm sure that there are plenty others who are beating the index consistently...
by Hector
Wed Jun 28, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Short term treasury bond fund not in HSA in California?
Replies: 0
Views: 173

Short term treasury bond fund not in HSA in California?

It is recommended to hold treasury bond funds in HSA in states like California. For treasury bond funds, I hold short term treasury bond fund; iShares 1-3 Year Treasury Bond ETF, SHY in HSA. It's SEC yield 1.2%. I do not have capital loss. I was thinking about holding stock in HSA. Holding stocks in...
by Hector
Wed Jun 07, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation and Portfolio Question (and other related questions from beginner)
Replies: 12
Views: 804

Re: Asset Allocation and Portfolio Question (and other related questions from beginner)

lowndes wrote:Hi, I currently make $415K a year and plan to be able to live off of approximately $300K a year (in today's dollars) in retirement.
What do you do for living?
by Hector
Mon May 22, 2017 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Where can I see historical data for stock price adjusted for dividends and splits?
Replies: 0
Views: 559

Where can I see historical data for stock price adjusted for dividends and splits?

Where can I see historical data for stock price adjusted for dividends and splits? I used to see this at yahoo finance, but it does not show it anymore (closing price and adjusted closing prices are displaying the same and it is not adjusted for dividend or split)
by Hector
Wed May 17, 2017 9:20 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3959
Views: 1051713

Re: U.S. stocks in freefall

Tamalak wrote:Man. We're starved for an actual freefall. When's the last time the markets dropped even 5%?


I think U.S. stocks fell about 15% earlier last year.
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: 2989

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: 2989

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: 2989

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: 2989

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: 2989

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: 2989

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: 2989

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: 468

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: 468

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: 468

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: 192

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: 278

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: 289

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: 278

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: 289

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: 1519

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: 296

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: 1073

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: 221

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: 1519

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: 1519

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: 1519

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: 1519

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: 1519

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: 1519

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: 1519

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: 1519

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: 1519

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: 412

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: 412

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: 1584

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: 1584

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: 1584

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: 1584

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: 918

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: 918

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: 3959
Views: 1051713

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: 918

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: 285

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: 314

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: 314

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: 8925

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...