Search found 75 matches

by Young Fellow
Wed Aug 09, 2017 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Can you switch to Obama care in the middle of cobra period
Replies: 10
Views: 942

Re: Can you switch to Obama care in the middle of cobra period

I'm a little confused. The qualifying event test only applies for enrolling in an ACA plan outside of the open enrollment period. During an open enrollment period, you can sign up for an ACA plan regardless of whether a qualifying event has occurred. Exhausting one's COBRA eligibility (at the end o...
by Young Fellow
Wed Aug 09, 2017 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Can you switch to Obama care in the middle of cobra period
Replies: 10
Views: 942

Re: Can you swith to Obama care in the middle of cobra period

You can find answers to all your questions in this link. https://www.healthcare.gov/unemployed/cobra-coverage/ : Hello Again, while the above site confirm that it is a qualifying event when employer stops cobra payments to apply obamacare outside open enrollment, the covered ca website says, non pa...
by Young Fellow
Sat Aug 05, 2017 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Can you switch to Obama care in the middle of cobra period
Replies: 10
Views: 942

Re: Can you swith to Obama care in the middle of cobra period

HueyLD wrote:You can find answers to all your questions in this link. https://www.healthcare.gov/unemployed/cobra-coverage/
: thanks, the link is great, instantly takes to the right answer.
by Young Fellow
Sat Aug 05, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can you switch to Obama care in the middle of cobra period
Replies: 10
Views: 942

Re: Can you swith to Obama care in the middle of cobra period

Yes, I did it. It's probably more straightforward to enroll in an ACA plan during the open enrollment period anyway. Obviously that won't necessarily coincide with the end of the 18 months of COBRA. I would advise waiting until you've heard that the ACA enrollment has been processed and received an...
by Young Fellow
Sat Aug 05, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Can you switch to Obama care in the middle of cobra period
Replies: 10
Views: 942

Can you switch to Obama care in the middle of cobra period

Greetings, can one switch to Obama care in the middle of cobra period? Or one has to wait for the entire 18 months of cobra period to end or one can switch in the open enrollment period for the obama care to start following year. Anybody can answer this, thanks
by Young Fellow
Thu Jun 22, 2017 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Help me to decipher stock option plan investment analysis, aka stock opter report
Replies: 3
Views: 296

Re: Help me to decipher stock option plan investment analysis, aka stock opter report

Thank you thesaintsfor responding. Yes, I will have to exercise the options and buy company stock with in a specified period of leaving the company, I believe it is 30 days. Afte exercising options, I will have portfolio of approximately 900K with 16% company stock, if I choose to keep the stock for...
by Young Fellow
Wed Jun 21, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Help me to decipher stock option plan investment analysis, aka stock opter report
Replies: 3
Views: 296

Help me to decipher stock option plan investment analysis, aka stock opter report

Greetings to bogleheads. I just had my employee stock option plan analysis done by the vendor who is servicing it for the employer. They have used StockOptor software. Do you factor in the report to decide what to do, hold the options? Or sell them and hold company stock until it becomes tax favorab...
by Young Fellow
Thu Apr 20, 2017 11:36 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 39947

Re: Larry Swedroe says "Goodby."

Thank you Mr. LARRY SWEDROE for your service to this forum,
Regards
by Young Fellow
Thu Apr 20, 2017 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Stock option exercisability question
Replies: 19
Views: 1358

Re: Stock option exercisability question

What is runoff period, does it mean option would continue to vest until exercisable date in the future? It all depends on what is written in the agreement you signed. Don't expect to get the company to alter the terms of your stock option agreement. As others have pointed out, the approval hurdles ...
by Young Fellow
Thu Apr 20, 2017 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Stock option exercisability question
Replies: 19
Views: 1358

Re: Stock option exercisability question

Assuming you are leaving for a new employer, you could have used the SO as a negotiation point. DW was leaving low 6 figures of RSU's to take a new position. Told them what she was leaving behind and the new employer agreed to grant her shares in the new company in a like value to make her whole. U...
by Young Fellow
Thu Apr 20, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Stock option exercisability question
Replies: 19
Views: 1358

Re: Stock option exercisability question

We had similar language in the option plan at my former employer, but can't remember a single instance where a modification was done. I would have known as I was on the executive committee and was the chief accountant for a dozen years. It would be hard to make a case to change an option agreement....
by Young Fellow
Wed Apr 19, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Stock option exercisability question
Replies: 19
Views: 1358

Re: Stock option exercisability question

Understand what is vesting, but unfortunately they are exercisable only in 2020, if I leave now, would I loose those, it is bulk of my stock options and loosing that would be a big disappointment. It sounds like you probably lose them. Not being able to exercise something that you have vested is pr...
by Young Fellow
Wed Apr 19, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Stock option exercisability question
Replies: 19
Views: 1358

Re: Stock option exercisability question

What does it mean for an option to be vested but not exercisable? I thought vesting of stock options meant that they were exercisable? I've had RSUs that had dual vesting triggers: one based on time ("after 12 months") and one based on an event. Both had to happen before they were "r...
by Young Fellow
Wed Apr 19, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Stock option exercisability question
Replies: 19
Views: 1358

Re: Stock option exercisability question

What does it mean for an option to be vested but not exercisable? I thought vesting of stock options meant that they were exercisable? OP, how long have you been with the company? Are you sure you're not mixing up the exercisability with the expiry of the options? Thank you for your response. I hav...
by Young Fellow
Wed Apr 19, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Stock option exercisability question
Replies: 19
Views: 1358

Re: Stock option exercisability question

You will have to ask your company about the committee and how often they meet and under what circumstances do they look at individual situations. I suspect this language is for legal flexibility and is rarely used and if it were, it would be more like a change of corporate control like an acquisiti...
by Young Fellow
Tue Apr 18, 2017 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Stock option exercisability question
Replies: 19
Views: 1358

Re: Stock option exercisability question

You will have to ask your company about the committee and how often they meet and under what circumstances do they look at individual situations. I suspect this language is for legal flexibility and is rarely used and if it were, it would be more like a change of corporate control like an acquisiti...
by Young Fellow
Tue Apr 18, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Stock option exercisability question
Replies: 19
Views: 1358

Stock option exercisability question

Hi, I have a question and any help is appreciated. I am about to be leaving the company. I am given stock options of which majority of them are vested but excercisability dates are in future. Yet I also have small amount of unvested options and some Restricted units via ESPP. Do I loose all these be...
by Young Fellow
Mon Apr 17, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Asking employer benefits while leaving after an extended FMLA leave
Replies: 17
Views: 1841

Re: Asking employer benefits while leaving after an extended FMLA leave

Hi, Would there be any difference in getting benefits from employer while separating after on a extended unpaid leave compared to regular one. Is the employer still obligated to give unused vacation, holiday pay and bonus calculated prorata upto the leave start period, and usual severance pay such ...
by Young Fellow
Wed Apr 12, 2017 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Asking employer benefits while leaving after an extended FMLA leave
Replies: 17
Views: 1841

Re: Asking employer benefits while leaving after an extended FMLA leave

Hi, Would there be any difference in getting benefits from employer while separating after on a extended unpaid leave compared to regular one. Is the employer still obligated to give unused vacation, holiday pay and bonus calculated prorata upto the leave start period, and usual severance pay such ...
by Young Fellow
Wed Apr 12, 2017 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Asking employer benefits while leaving after an extended FMLA leave
Replies: 17
Views: 1841

Re: Asking employer benefits while leaving after an extended FMLA leave

Thank you Pajamas for posting the link, it nicely details the allowable benefits under the law. What I did not know before is that employee part of the insurance premiums is to be paid, since I am on unpaid leave right now, that would mean employer would garnish those from my benefits at the time o...
by Young Fellow
Wed Apr 12, 2017 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Asking employer benefits while leaving after an extended FMLA leave
Replies: 17
Views: 1841

Re: Asking employer benefits while leaving after an extended FMLA leave

Hi, Would there be any difference in getting benefits from employer while separating after on a extended unpaid leave compared to regular one. Is the employer still obligated to give unused vacation, holiday pay and bonus calculated prorata upto the leave start period, and usual severance pay such ...
by Young Fellow
Wed Apr 12, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Asking employer benefits while leaving after an extended FMLA leave
Replies: 17
Views: 1841

Re: Asking employer benefits while leaving after an extended FMLA leave

"Co-employee" probably refers to the other employees in similar positions at the company. You should check with your employer's benefits department for their policies on benefits for employees on leave. Benefits for employees on FMLA must be handled by the employer the same way they are f...
by Young Fellow
Wed Apr 12, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Asking employer benefits while leaving after an extended FMLA leave
Replies: 17
Views: 1841

Re: Asking employer benefits while leaving after an extended FMLA leave

Many of the benefits you are asking about are based on company policy, though there might be state laws for items like accrued leave. In any case, the details are probably in your employee manual or other company policy statements. At my company, there are no differences for employees terminating w...
by Young Fellow
Tue Apr 11, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Asking employer benefits while leaving after an extended FMLA leave
Replies: 17
Views: 1841

Re: Asking employer benefits while leaving after an extended FMLA leave

Hi, Would there be any difference in getting benefits from employer while separating after on a extended unpaid leave compared to regular one. Is the employer still obligated to give unused vacation, holiday pay and bonus calculated prorata upto the leave start period, and usual severance pay such ...
by Young Fellow
Sat Apr 08, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Asking employer benefits while leaving after an extended FMLA leave
Replies: 17
Views: 1841

Asking employer benefits while leaving after an extended FMLA leave

Hi, Would there be any difference in getting benefits from employer while separating after on a extended unpaid leave compared to regular one. Is the employer still obligated to give unused vacation, holiday pay and bonus calculated prorata upto the leave start period, and usual severance pay such a...
by Young Fellow
Tue Mar 07, 2017 1:21 am
Forum: Personal Finance (Not Investing)
Topic: How long does car lasts and for how long should I build a CD ladder
Replies: 25
Views: 2002

Re: How long does car lasts and for how long should I build a CD ladder

After recent ESPP sell 'bonus' (my company has done very well over past year) I managed to increase my emergency fund to cover not only 6 months of living but also a new car and and something to put into taxable. The "problem" is that I don't want to buy a car - my car is relatively new H...
by Young Fellow
Tue Mar 07, 2017 12:58 am
Forum: Investing - Help with Personal Investments
Topic: Changing allocation to 60/40 - Help with Selection
Replies: 4
Views: 899

Re: Changing allocation to 60/40 - Help with Selection

Hi my current allocation is 88/12% but I want to increase the Bond portion of my 401K portfolio. I was hoping to get some help in choosing the bond funds from below. I'm not planning to rebalance but just going to change my future contributions to go to Bonds until I get a 60/40 mix. TIA Fund Name,...
by Young Fellow
Sun Mar 05, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Can COBRA be frozen on the account of travel to outside of Country
Replies: 5
Views: 546

Can COBRA be frozen on the account of travel to outside of Country

Greetings for Ides of March,

I am wondering if the COBRA health insurance can be frozen and restarted at a later date on the account of traveling of either primary person or spouse in the family benifit just so that, that time period dont get wasted. Please if anybody can comment on this, thanks
by Young Fellow
Sun Mar 05, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 76
Views: 12369

Re: Just laid off - what to do

Sorry to hear that you will be laid-off, I am also in similar situation, counting days for the last day and collect severance. In the last 23 years for me, this happened 4 times, for 2 times, I saw the end coming and was able to move to next job. One time it took 6 months to find employment. Person...
by Young Fellow
Sat Mar 04, 2017 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 76
Views: 12369

Re: Just laid off - what to do

I got the news pulled from the magic bag. Its that time and I got laid-off. Its my first-ever! I got mandatory 30 days notice before the employer will washoff their hand$! I worked in this company over seven years and will get some severance, unused vacation pay for a few days. As severance will be...
by Young Fellow
Thu Mar 02, 2017 9:52 pm
Forum: Investing - Theory, News & General
Topic: I am calling a market bubble right now.
Replies: 27
Views: 3121

Re: I am calling a market bubble right now.

nisiprius wrote:
Young Fellow wrote:: if the y-axis is S&P500 index?
It's the NASDAQ Composite index.

Thank you, I stand corrected.
by Young Fellow
Thu Mar 02, 2017 9:47 pm
Forum: Investing - Theory, News & General
Topic: I am calling a market bubble right now.
Replies: 27
Views: 3121

Re: I am calling a market bubble right now.

Thanks for the call. This could turn into another classic thread. Or not. I'm hoping for classic, but the OP will have to put a deadline on the bubble burst first. Yes. BogleInvestorLondon, there's really no point to your starting the thread unless you can give us a nice precise way in which we can...
by Young Fellow
Thu Mar 02, 2017 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited 90K. New to Investing, single parent
Replies: 22
Views: 2842

Re: Inherited 90K. New to Investing, single parent

Hi all! I’ve been reading on the forum and the Bogleheads Guide after receiving an inheritance 2 months ago. I’m a bit overwhelmed. I work in Autism Intervention services. It’s a low-paying field; I earn 25K annually. Every day now I’m seeing that markets are up; and my inertia is driving me into f...
by Young Fellow
Sun Feb 26, 2017 4:49 pm
Forum: Investing - Theory, News & General
Topic: Extreme Valuations, and why you should reconsider
Replies: 307
Views: 23420

Re: Extreme Valuations, and why you should reconsider

Well, I am one of those scared by high evaluations and employment situation at 54 reduced stocks from 80 to 65%, also changed my international from <20% to 32% while stock market is peaking. I wonder if this is enough in case this is a bubble? When will you retire? What AA will you have during reti...
by Young Fellow
Sun Feb 26, 2017 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique my bonds ratio
Replies: 9
Views: 776

Re: Please critique my bonds ratio

38 years married, have 6 mo EF (saving account), I feel I have a high risk tolerance (or that is what I think, not sure though since haven't experience a crash before!). I have only 15% in bonds (sleep well at night), and the reason for that low bonds allocation is that I've started late to invest ...
by Young Fellow
Fri Feb 24, 2017 12:17 am
Forum: Investing - Theory, News & General
Topic: Market Run Ups - Now vs. Then
Replies: 88
Views: 7271

Re: Market Run Ups - Now vs. Then

Look at it this way: When the market drops 10%, as it inevitably will at some point, we'll just be down to where we were a year or so ago. Most people are sitting on a huge pile of paper gain anyway. Exactly, just read today at m Only once in the last 89 years has the S&P 500 not dropped at lea...
by Young Fellow
Wed Feb 22, 2017 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Tilted in REIT, small cap, health care fund, should I continue or move them into total stock market
Replies: 14
Views: 1660

Re: Tilted in REIT, small cap, health care fund, should I continue or move them into total stock market

Which healthcare fund do you have? I have owned VGHASX Vanguard Health Care Fund Admiral Shares for over 15 years and it has performed exceptionally well for me. If that is your fund it is worth keeping imo. Thanks, same fund as yours except I believe investment fund, not admiral as my monies are l...
by Young Fellow
Wed Feb 22, 2017 1:31 am
Forum: Investing - Theory, News & General
Topic: Extreme Valuations, and why you should reconsider
Replies: 307
Views: 23420

Re: Extreme Valuations, and why you should reconsider

Well, I am one of those scared by high evaluations and employment situation at 54 reduced stocks from 80 to 65%, also changed my international from <20% to 32% while stock market is peaking. I wonder if this is enough in case this is a bubble?
by Young Fellow
Tue Feb 21, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Tilted in REIT, small cap, health care fund, should I continue or move them into total stock market
Replies: 14
Views: 1660

Re: Tilted in REIT, small cap, health care fund, should I continue or move them into total stock market

Hello Young fellow, There have been many threads on tilting. Please do a search on "tilt" in the search box on the forum page. We need more info to give you a comprehensive feedback. Consider updating your opening post according to the format mentioned in "asking portfolio questions&...
by Young Fellow
Tue Feb 21, 2017 12:13 am
Forum: Investing - Help with Personal Investments
Topic: Tilted in REIT, small cap, health care fund, should I continue or move them into total stock market
Replies: 14
Views: 1660

Re: Tilted in REIT, small cap, health care fund, should I continue or move them into total stock market

Hello Young fellow, There have been many threads on tilting. Please do a search on "tilt" in the search box on the forum page. We need more info to give you a comprehensive feedback. Consider updating your opening post according to the format mentioned in "asking portfolio questions&...
by Young Fellow
Mon Feb 20, 2017 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Tilted in REIT, small cap, health care fund, should I continue or move them into total stock market
Replies: 14
Views: 1660

Tilted in REIT, small cap, health care fund, should I continue or move them into total stock market

Hi, I need advise on current tilting of my stock portfolio in REIT, small cap, health care fund. My stock portfolio is modest $488K is 70/30 US/International stocks. In US Stocks I had tilting with REIT 5.4%, small cap 6.8%, health care fund 5%. In the market capitalization comparison my portfolio h...
by Young Fellow
Sun Feb 19, 2017 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Re-applying for same job?
Replies: 25
Views: 2922

Re: Re-applying for same job?

I would call or email stating you are still interested in that position without wasting time. Most likely the person they hired might have very left unexpectedly
by Young Fellow
Fri Feb 17, 2017 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: 88 Year Old Mother - advice needed
Replies: 15
Views: 1254

Re: 88 Year Old Mother - advice needed

How about 60:40 stocks bonds mix, Vanguard total stock market index and total bond index funds or simply one fund, Vanguard balenced index fund, it has same ratio of stocks and bonds. If you are interested in international, I would go to vanguard life strategy moderate growth fund, it will have both...
by Young Fellow
Fri Feb 17, 2017 1:28 am
Forum: Investing - Help with Personal Investments
Topic: 70/30
Replies: 14
Views: 1998

Re: 70/30

Over a month including yesterday, I changed my allocation from 80/20 stocks/bonds to 65/35, I am 54, this is first time I did, I was unchanged in 2000, 2008 but not this time. I am really scarred that there will be significant drop in stocks. I did this to protect my portfolio value. Before my fixed...
by Young Fellow
Sun Feb 12, 2017 2:29 am
Forum: Personal Consumer Issues
Topic: 4 Months Abroad - what to do before we leave?
Replies: 45
Views: 4053

Re: 4 Months Abroad - what to do before we leave?

We snowbird. We have a written checklist with about 20 items on the list. We check stuff off as we do it the last few days. We put closing and locking the garage as the last item on the list. 1. Set the thermostat at 60 to 88 degrees. Cooler kills the house plants. Hotter is bad on furniture and st...
by Young Fellow
Thu Feb 09, 2017 1:09 am
Forum: Investing - Help with Personal Investments
Topic: international bonds?
Replies: 5
Views: 789

Re: international bonds?

In looking at the three fund portfolio, the thought seems to be to include 1)Total US Stocks 2) Total international stocks and 3) Total US bonds. Why not include international bonds? Is it the slightly higher expense ratio? I need an adult! Yes, it costs more to have international bond fund, it sho...
by Young Fellow
Wed Feb 08, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 3231

Re: Napa/Sonoma Recommendations

http://patch.com/california/napavalley/ ... ion-police
Read above,
Tragic, remember dont mix wine and biking when you are there
by Young Fellow
Tue Feb 07, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 3231

Re: Napa/Sonoma Recommendations

m Just outside Sonoma, I would visit above place, for half a day, you can have brunch, and taste wine, has galleries, to top it, it has dozen or so innovative outdoor gardens, architectural gems by world famous artists and designers. It's on Arnold Dr, on the same drive you can find vineyards with w...
by Young Fellow
Sun Feb 05, 2017 12:02 am
Forum: Personal Consumer Issues
Topic: Cord cut strategy for young family
Replies: 67
Views: 7231

Re: Cord cut strategy for young family

Hi all, Current optimum triple play customer in the ny metro area that also has access to FIOS competition. Looking to cut chord completely as now with two very young children we really only sit down for 45 min to watch tv and also don't want high cost which is roughly 160$ now with taxes included....
by Young Fellow
Mon Jan 30, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone moved to another state for lower cost of living?
Replies: 72
Views: 10577

Re: Anyone moved to another state for lower cost of living?

Hello, has anyone made the decision to move to another state/location for financial reasons? Wife and I decided to move from S. Cali to Houston, TX two years ago. The wife opened a restaurant and I placed a great job here (I’m 44, wife is 31 we have a baby). So far so good, we bought a nice home (r...