Search found 171 matches

by MrJones
Sat Jun 23, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 86
Views: 5173

Re: When did you start flying business class?

adamthesmythe wrote:
Sat Jun 23, 2018 5:31 pm
Consider premium economy. It turns a hellish long flight into a survivable and almost pleasant long flight at a much more reasonable price point.
For long fights (14 hrs+), does premium economy make a difference over economy even if one isn't tall or heavy?
by MrJones
Sat Jun 23, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Can One Keep Trial Deposits?
Replies: 30
Views: 4345

Re: Can One Keep Trial Deposits?

Nummerkins wrote:
Wed Sep 14, 2016 9:44 am
Just don't end up like this guy:

https://www.wired.com/2008/05/man-allegedly-b/
I can't help being impressed!
by MrJones
Fri Jun 22, 2018 11:36 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 273
Views: 34212

Re: MoviePass-Too good to be true, but it's legit.

Teague wrote:
Fri Jun 22, 2018 9:14 am
Explain how they plan to make a profit charging $10 a month per customer while paying more than $10 a month per customer.
They make it up on volume. :D
[/quote]

Hahaha :D.

It's 2001 all over again....
by MrJones
Fri Jun 22, 2018 4:03 am
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 95
Views: 7652

Re: how to make friends in new location?

Wow is right. I have not always agreed with Cilia, but never found her posts to be condescending, or in any way insulting. I try to be sensitive to burdens others face, but fail to see the condescension in her response here. She spends time to write useful, thoughtful responses. If she had a histor...
by MrJones
Thu Jun 21, 2018 11:16 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 95
Views: 7652

Re: how to make friends in new location?

jayk, Why do you feel you have to find friends for your wife? ... This is a very rude post. Passive aggressive, condescending, where to begin? I'm not going to dignify it with a proper response. I'm sorry but the original post came across to me as if you needed to make all the decisions for your wi...
by MrJones
Mon Jun 11, 2018 1:43 am
Forum: Investing - Theory, News & General
Topic: How and when do you decide to do Tax Loss Harvesting?
Replies: 47
Views: 4763

Re: How and when do you decide to do Tax Loss Harvesting?

I just realized we may have a wash sale problem if we don't cross check our retirement portfolio and funds while harvesting losses in taxable accounts. Does anyone know if TLH triggers wash sale if the TAXABLE account fund we sell at a loss is a part of our Target Fund in our retirement account and...
by MrJones
Sun Jun 10, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: Buying CPO Lexus - any advice appreciated
Replies: 22
Views: 1753

Re: Buying CPO Lexus - any advice appreciated

livesoft wrote:
Sun Jun 10, 2018 12:40 pm

4. Accept a different color and features to get the price lower, but in no case buy a car with a black / dark interior.
Why?
by MrJones
Sat Jun 09, 2018 7:45 am
Forum: Investing - Theory, News & General
Topic: $1M Question
Replies: 38
Views: 4829

Re: $1M Question

Earn $5M this year and put it, along with the $12k into a handful of individual stocks. Voila!
by MrJones
Fri May 25, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: Folks, I'm calling the Tops for Bay area RE market
Replies: 46
Views: 2701

Re: Folks, I'm calling the Tops for Bay area RE market

The fact that you used the term "running hot" makes me have a lot of confidence in your statements...
by MrJones
Fri May 18, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Qualify for Obama care for a part of the year.
Replies: 24
Views: 790

Re: Qualify for Obama care for a part of the year.

mrx wrote:
Fri May 18, 2018 12:10 pm
If the enrollment opens in November, can he get coverage and starts using it in November? or does he have to wait till Jan 2019 to start using the coverage?
Jan 2019
by MrJones
Fri May 18, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Qualify for Obama care for a part of the year.
Replies: 24
Views: 790

Re: Qualify for Obama care for a part of the year.

AFAIK, he can enroll in ACA only during open enrollment, around October in most states. That's designed precisely to prevent people from avoiding having insurance until they need it. Qualifying events are the exception. You might want to check if voluntarily resigning one's job qualifies.
by MrJones
Fri May 18, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Surgeon salary vs owning a business salary/profit?
Replies: 47
Views: 4252

Re: Surgeon salary vs owning a business salary/profit?

What is the status of your plan to attend medical school?.... https://www.bogleheads.org/forum/viewtopic.php?f=2&t=228625&p=3551401#p3551401 Your past posts indcate a pattern of revisiting the same topics at a 1/3rd to 1/2 year interval - what is the end goal? +1. Regardless of what you do, have yo...
by MrJones
Thu May 17, 2018 6:43 am
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 9926

Re: Yes, I'm 89 all right! [Jack Bogle]

Thank you Sir, for setting up Vanguard to be a brilliant, shining beacon of how to align corporate interests with the customer's interests.
by MrJones
Tue May 15, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 3027

Re: Brake work estimate

If you did it yourself (or find a friend/neighbor that could teach you how to do it) you could knock that down by at least 50%. It's really not that hard - I'm not much of a car guy, but generally do simple stuff like this on my own to save money. Or even more because the parts are much cheaper if ...
by MrJones
Mon May 14, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Transferring in kind from Fidelity/Schwab to Vanguard
Replies: 3
Views: 716

Re: Transferring in kind from Fidelity/Schwab to Vanguard

Thanks for the info and pointer!

It seems like it's just the cost basis that is covered. Other metadata isn't, and that can be important in determining qualified vs. unqualified dispositions. That makes me hesitate to transfer.
by MrJones
Mon May 14, 2018 9:55 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 11646

Re: The front page is ugly

Youngblood wrote:
Mon May 14, 2018 9:52 am
Yep it works great, but how about adding some color options to the current design?
Why?
by MrJones
Wed May 09, 2018 4:27 am
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 5781

Re: How to handle problem employee

gowri wrote:
Wed May 09, 2018 2:01 am
This is why I try my very best not to work for a new managers.
Push that "problem" onto your unsuspecting co-workers, eh?
by MrJones
Wed May 09, 2018 12:55 am
Forum: Investing - Help with Personal Investments
Topic: ESPP taxing rules, to hold or not to hold
Replies: 28
Views: 2072

Re: ESPP taxing rules, to hold or not to hold

Here's a reasonable analysis: https://thefinancebuff.com/employee-stock-purchase-plan-espp-is.html Thank you, this is very helpful. It looks like the article suggests selling as soon as possible after stock grant date. A counterpoint to that is comment #56 in that same article by "Andy." That comme...
by MrJones
Wed May 09, 2018 12:36 am
Forum: Investing - Help with Personal Investments
Topic: Transferring in kind from Fidelity/Schwab to Vanguard
Replies: 3
Views: 716

Transferring in kind from Fidelity/Schwab to Vanguard

I have employer ESPP stock in Fidelity and Schwab. I'd like to consolidate these into Vanguard to simplify and later sell at my convenience.

Anyone know if "metadata" like grant date, FMV at purchase, qualified status etc. will also transfer?
by MrJones
Tue May 01, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Device or app to find road gradient while biking?
Replies: 18
Views: 1219

Re: Horizontal Level Acceleration & Heisenberg Principle

wrongfunds wrote:
Tue May 01, 2018 3:22 pm
Or is the Heisenberg's uncertainty principle apply here?
Only if your vehicle is smaller than an atom.
by MrJones
Tue May 01, 2018 4:19 am
Forum: Personal Finance (Not Investing)
Topic: How would you handle a request for money from a niece?
Replies: 89
Views: 7036

Re: How would you handle a request for money from a niece?

$100 can't make a meaningful difference in any Americans life. Your niece doesn't need the money, she just wants it. If she really does need it, as in "I don't have any money to buy food for a few weeks" then she should be looking into bankruptcy along with getting a new job. +1. I can see that per...
by MrJones
Sun Apr 29, 2018 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP taxing rules, to hold or not to hold
Replies: 28
Views: 2072

Re: ESPP taxing rules, to hold or not to hold

A good way to frame the question is: Would you take $X (where X is the amount you have invested in ESPP) from your savings and buy your company stock with it? If yes, hold. If not, liquidate the shares, take the free money and apply the funds to your savings or investment goals. It's free money; a ...
by MrJones
Wed Apr 25, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 10695

Re: Cashing out of the Bay Area

randomizer wrote:
Tue Apr 24, 2018 1:01 am
I don't know how anybody could know this. Really know it.
It's not about knowing. It's about being able to guess well enough to base an action on it. This is what most businesses, for example, routinely do.

Everyone understands guesses can turn out wrong.
by MrJones
Sun Apr 22, 2018 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Easy way to compare funds, indexes, stock
Replies: 16
Views: 1218

Re: Easy way to compare funds, indexes, stock

In summary: morningstar, dividendchannel.com, and portfoliovisualizer all provided useful info. See above for pros and cons and more details.

Vanguard provides after-tax returns as well, but only for vanguard funds and ETFs, and fixed for the highest federal tax bracket.

Thanks everyone!
by MrJones
Sun Apr 22, 2018 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Easy way to compare funds, indexes, stock
Replies: 16
Views: 1218

Re: Easy way to compare funds, indexes, stock

It should come with a warning, though: " Past performance is no guarantee of future performance. Sure, but I was using it to evaluate past performance, not future. Regardless, these types of analyses are useful at some level for the future at as well. A reasonably informed person is seldom looking ...
by MrJones
Sun Apr 22, 2018 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Easy way to compare funds, indexes, stock
Replies: 16
Views: 1218

Re: Easy way to compare funds, indexes, stock

There's Portfolio Visualizer https://www.portfoliovisualizer.com/backtest-portfolio, but its granularity is monthly (when "Time Period" is set to "Month-to-Month") and it won't do taxes. It calculates total returns and shows charts of growth including reinvested dividends. Thank you, I see referenc...
by MrJones
Sun Apr 22, 2018 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Easy way to compare funds, indexes, stock
Replies: 16
Views: 1218

Re: Easy way to compare funds, indexes, stock

GibsonL6s wrote:
Mon Apr 16, 2018 7:01 pm
Use this for stocks and ETFs, not funds.

https://www.dividendchannel.com/drip-re ... alculator/

Portfoliovisualizer is great to see how you did as a portfolio.
Nice - this shows a "with dividends reinvested" and "without" side by side. Also very useful, thank you!
by MrJones
Sun Apr 22, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Easy way to compare funds, indexes, stock
Replies: 16
Views: 1218

Re: Easy way to compare funds, indexes, stock

You can do almost everything you asked for, except for taxes, using Morningstar growth charts. See this article. Growth charts include dividends. The big Morningstar trick is that you must begin by plotting a mutual fund first if you want to get growth charts. You can then add ETFs or individual st...
by MrJones
Sun Apr 22, 2018 12:39 am
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 32278

Re: KF's simple rules to achieve FI

Rule #1 Save 1 year of your current annual expense every year. Then, you could be FI in about 25 years even with 0% real growth. Save 1 year of *expenses at retirement* every year. Not current annual expense. But for reasons others have mentioned, this is not a very useful rule at all. Most cannot....
by MrJones
Sat Apr 21, 2018 1:08 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 32278

Re: KF's simple rules to achieve FI

Rule #1 Save 1 year of your current annual expense every year. Then, you could be FI in about 25 years even with 0% real growth. Save 1 year of *expenses at retirement* every year. Not current annual expense. But for reasons others have mentioned, this is not a very useful rule at all. Most cannot....
by MrJones
Mon Apr 16, 2018 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Easy way to compare funds, indexes, stock
Replies: 16
Views: 1218

Re: Easy way to compare funds, indexes, stock

This is almost a totally useless exercise. I was thinking the same thing. With my analytical personality, I need encouragement to “stay the course”. This sounds like a great way to create buyer’s remorse, getting me to jump from fund-to-fund chasing yield. Turns out that I'm interested in it becaus...
by MrJones
Sat Apr 14, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Easy way to compare funds, indexes, stock
Replies: 16
Views: 1218

Easy way to compare funds, indexes, stock

What's the easiest way to compare the total performance of a stock or an index or a fund with another? The question I'm trying to answer is what would have happened if I had invested - bought and sold - in one ticker versus another on a certain pair of dates. I realize this is not as easy to answer ...
by MrJones
Wed Apr 11, 2018 4:12 am
Forum: Personal Consumer Issues
Topic: recommend a light box
Replies: 15
Views: 1435

Re: recommend a light box

Perhaps it's a back issue, and OP is tired of heavy boxes...
by MrJones
Sun Apr 01, 2018 4:19 am
Forum: Personal Finance (Not Investing)
Topic: Hit by AMT due to 1 year RSU vesting cliff
Replies: 29
Views: 2602

Re: Hit by AMT due to 1 year RSU vesting cliff

(And if you are saying to pay the monthly taxes with your side cash instead of selling 1/3, then you have to do that in the cliff case as well to be fair. In both cases it's just the same as buying 10 shares/month with your side cash and the final difference after 12 months is the same as above - c...
by MrJones
Sun Apr 01, 2018 1:11 am
Forum: Personal Finance (Not Investing)
Topic: Hit by AMT due to 1 year RSU vesting cliff
Replies: 29
Views: 2602

Re: Hit by AMT due to 1 year RSU vesting cliff

I sure did. After reading again I see what you were getting at, but I think you chose a poor sentence structure when starting off with "you're taxed on 100% of your RSU's value at sale" which to me implies the taxation occurs at sale, rather than the ordinary income occurring at vest/reception. Apo...
by MrJones
Sat Mar 31, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Hit by AMT due to 1 year RSU vesting cliff
Replies: 29
Views: 2602

Re: Hit by AMT due to 1 year RSU vesting cliff

Not correct. You're taxed on 100% of your RSU's value at sale. Some portion is taxed as ordinary income, and some portion as long term CG assuming you hold it long enough. You want to minimize the former and maximize the latter. In a rising stock environment, this happens if you vest sooner (eg: mo...
by MrJones
Sat Mar 31, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 250
Views: 38592

Re: Fidelity free Turbotax

Same here, most of my assets are at Van but do have a rollover IRA, high 7 figures at Fidelity. gee, having close to 10m in an IRA is rather unusual. Isn't "high 7 figures" really 99 million dollars? Not unless you drop (or add) a digit. Or unless you smoke whatever it is I was smoking when I said ...
by MrJones
Sat Mar 31, 2018 5:48 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 149
Views: 8846

Re: Misuse of adverse when averse was meant

protagonist wrote:
Mon Jan 08, 2018 10:06 pm
The purpose of language is communication.

If what is said is interpreted as intended, the communication is successful.

I ain't kiddin' about this.
You may be missing a big part of the picture.
by MrJones
Sat Mar 31, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Hit by AMT due to 1 year RSU vesting cliff
Replies: 29
Views: 2602

Re: Hit by AMT due to 1 year RSU vesting cliff

Also, in a company with a *rising* stock price, strictly speaking "cliff" RSU models are *more* advantageous for the RSU holder. You get to hold Uncle Sam's "share" of the stock (the part you'd otherwise have to "sell to cover" taxes) for an extra 9 months, making money off of it in the mean time. ...
by MrJones
Sat Mar 31, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 11798

Re: Underrated places to visit in U.S.?

What a fantastic thread. May I just say, thanks OP for the idea, and everyone else for the great recommendations?
by MrJones
Fri Mar 30, 2018 9:46 pm
Forum: Investing - Theory, News & General
Topic: Are we missing recession /bear market beginning
Replies: 174
Views: 18242

Re: Are we missing recession /bear market beginning

What I do has required two decades of daily market research for hours/day If you could apply your impressive abilities and do two minutes of research, one-time, into how to quote others in a post correctly, so that your responses don't look like they are a quote from someone else, it would improve ...
by MrJones
Mon Mar 12, 2018 2:40 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block vs TurboTax (spoiler: HRB is awful)
Replies: 70
Views: 6947

Re: H&R Block vs TurboTax (spoiler: HRB is awful)

It is inexpensive if strategically purchased. (I wait until BH or Camel Camel Camel alerts me that it's on sale and usually snag it for under $25. That includes a state. Because I am a NYS resident, they give me the state efile for free.) Very good point. HRB can usually be purchased for about $10 ...
by MrJones
Fri Mar 09, 2018 3:23 am
Forum: Personal Finance (Not Investing)
Topic: Any tax advantages to holding vested RSUs for a year?
Replies: 7
Views: 775

Re: Any tax advantages to holding vested RSUs for a year?

Any gains or losses between the vest price and your sales price become long term. That's it. Vest price is still taxed as regular income. Got it - so if I don’t want to hold the stock, then best policy is just to sell it immediately and invest the proceedings, right? Yes, but if you have additional...
by MrJones
Sun Mar 04, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Hit by AMT due to 1 year RSU vesting cliff
Replies: 29
Views: 2602

Re: Hit by AMT due to 1 year RSU vesting cliff

Also, in a company with a *rising* stock price, strictly speaking "cliff" RSU models are *more* advantageous for the RSU holder. You get to hold Uncle Sam's "share" of the stock (the part you'd otherwise have to "sell to cover" taxes) for an extra 9 months, making money off of it in the mean time. ...
by MrJones
Sun Feb 25, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Ethics of selling a used car
Replies: 54
Views: 4475

Re: Ethics of selling a used car

Wainward wrote:
Sat Feb 24, 2018 1:05 pm
In my personal life, the only ethical requirement I really maintain is "Do unto others as you would have them do unto you." It really simplifies things, and as an ethos, it is fairly deeply ingrained in Western civilization.
+10
by MrJones
Sat Feb 24, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Received stock options at VC-backed startup. What questions should I be asking?
Replies: 6
Views: 406

Re: Received stock options at VC-backed startup. What questions should I be asking?

You have all your points right but let's make this one more explicit: 4. If I quit or get fired, my remaining options no longer vest. In addition, rested button exercised options are taken away from you, typically after a set time like 30 days Yes you should definitely find out the answer to all tho...
by MrJones
Mon Feb 19, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: How to choose tax exempt bonds
Replies: 3
Views: 417

Re: How to choose tax exempt bonds

It almost certainly won't help with AMT because you mostly only have CDs currently and thus very little income from that $564k taxable. I don't know what is causing your AMT currently. Regardless, AMT will almost definitely be a moot point from tax year 2018 because of changes to the tax law. All yo...
by MrJones
Tue Feb 13, 2018 12:20 am
Forum: Investing - Theory, News & General
Topic: Random conversations regarding money
Replies: 44
Views: 5027

Re: Random conversations regarding money

You missed a great opportunity to open up other conversational wormholes such as "fiat money" and "hyperinflation" and "prepping for SHTF". Here's a classic look at some possible gold-focused topics for the next time you meet: http://ritholtz.com/2013/04/the-10-rules-of-goldbuggery/ Also don't forg...
by MrJones
Fri Feb 09, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Worried about employer not paying all I am owed
Replies: 29
Views: 2691

Re: Worried about employer not paying all I am owed

Watty wrote:
Sat Feb 03, 2018 9:51 pm
sport wrote:
Sat Feb 03, 2018 9:36 pm
I would be looking for another job.
+1
+1. Let me add: I would be looking for another job right away.