Search found 93 matches

by bogleraw
Sun Feb 18, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Stock donation to alma mater
Replies: 6
Views: 548

Re: Stock donation to alma mater

Thank you, that makes sense.

How do I evaluate whether to donate ESPP stock that has the 15% discount versus RSUs?
by bogleraw
Sun Feb 18, 2018 1:02 am
Forum: Personal Finance (Not Investing)
Topic: Stock donation to alma mater
Replies: 6
Views: 548

Re: Stock donation to alma mater

Thank you! Could you recommend which stock type I should donate (ESPP or RSUs)? ESPP have the 15% discount.

Also, I have multiple long term shares under both categories that have long term gains but different basis? How do I select which ones are most beneficial to donate?
Thanks!
by bogleraw
Sat Feb 17, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Stock donation to alma mater
Replies: 6
Views: 548

Stock donation to alma mater

Hi all, we are interested in establishing an endowed scholarship at our alma mater. I want to do this through donation of company stock, which I have never done before. I own company stock as both ESPP shares and RSUs, both of which have gains. I have shares in each category that have both long and ...
by bogleraw
Thu Dec 28, 2017 1:25 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51144

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

Hi all, I am looking for advice on whether I should take the opportunity to prepay the April portion ($7k) of my 2017-2018 taxes online tomorrow. I live in a HCOL area and bought a house in 2016 and work in tech. For the 2016 tax year, I had the following situation: AGI: $300k, State and local incom...
by bogleraw
Tue Dec 05, 2017 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 719
Views: 188854

Re: Share your net worth progression

WhiteMaxima wrote: ↑
Tue Dec 05, 2017 5:48 pm
Would like to see BH retirement asset winding down progression. It would be more interesting.
+1 That is a great idea! :)
by bogleraw
Tue Dec 05, 2017 2:11 am
Forum: Personal Finance (Not Investing)
Topic: Seeking term life insurance recommendation
Replies: 16
Views: 1259

Re: Seeking term life insurance recommendation

I would appreciate more responses if anybody could spare their thoughts! Thanks!
by bogleraw
Tue Dec 05, 2017 1:24 am
Forum: Personal Finance (Not Investing)
Topic: Seeking term life insurance recommendation
Replies: 16
Views: 1259

Re: Seeking term life insurance recommendation

Hi all, I am seeking a recommendation on term life insurance amounts. I am 33 yrs old and my wife just turned 34. We have a 3 year old son and a baby girl due in January. I am long overdue on working on our wills and life insurance etc, but have plans to talk to a tax + life insurance firm tomorrow...
by bogleraw
Tue Dec 05, 2017 1:03 am
Forum: Personal Finance (Not Investing)
Topic: Seeking term life insurance recommendation
Replies: 16
Views: 1259

Re: Seeking term life insurance recommendation

Hi all, I am seeking a recommendation on term life insurance amounts. I am 33 yrs old and my wife just turned 34. We have a 3 year old son and a baby girl due in January. I am long overdue on working on our wills and life insurance etc, but have plans to talk to a tax + life insurance firm tomorrow...
by bogleraw
Tue Dec 05, 2017 12:52 am
Forum: Personal Finance (Not Investing)
Topic: Seeking term life insurance recommendation
Replies: 16
Views: 1259

Seeking term life insurance recommendation

Hi all, I am seeking a recommendation on term life insurance amounts. I am 33 yrs old and my wife just turned 34. We have a 3 year old son and a baby girl due in January. I am long overdue on working on our wills and life insurance etc, but have plans to talk to a tax + life insurance firm tomorrow ...
by bogleraw
Thu Nov 02, 2017 11:41 pm
Forum: Personal Consumer Issues
Topic: Withdrawing cash from ATM in Ireland this morning
Replies: 13
Views: 1451

Re: Withdrawing cash from ATM in Ireland this morning

Thanks all for the feedback! I just called Wells Fargo and they said that they had observed the cash withdrawal attempt earlier and flagged it because it was over the limit. I am all set now. Thanks!
by bogleraw
Thu Nov 02, 2017 10:59 pm
Forum: Personal Consumer Issues
Topic: Withdrawing cash from ATM in Ireland this morning
Replies: 13
Views: 1451

Re: Withdrawing cash from ATM in Ireland this morning

Thanks! Do you recommend I use a debit card or credit card for cash withdrawal?
by bogleraw
Thu Nov 02, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: Withdrawing cash from ATM in Ireland this morning
Replies: 13
Views: 1451

Withdrawing cash from ATM in Ireland this morning

Hi all, Need some urgent advice in the next few hours before morning here in Ireland. I need to withdraw some Euros from the local ATM so I can tip the taxi driver and head out on a local tour. I tried to use my Wells Fargo debit card and a couple of my credit cards (citi, discover, amex) to withdra...
by bogleraw
Wed Apr 19, 2017 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: eTrade joint account setup options
Replies: 1
Views: 851

eTrade joint account setup options

Hi all, I have an employer stock plan with eTrade and live in California. I want to add my wife, who works for a different employer, to the account. My goal is for her to have full access to the funds at any time and be able to ask any questions she has about it whether I am alive or not. However, I...
by bogleraw
Sun Apr 16, 2017 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Should I contribute to traditional IRA?
Replies: 14
Views: 1599

Re: Should I contribute to traditional IRA?

I did not say that. I said OP has only one TIRA. His wife's situation is unequal but separate. By which I meant that your wife has two TIRAs, one of which is pre-tax, and large. And that her situation has no effect on your conversion of your IRA to Roth. The I in IRA stands for individual; your IRA...
by bogleraw
Sun Apr 16, 2017 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Should I contribute to traditional IRA?
Replies: 14
Views: 1599

Re: Should I contribute to traditional IRA?

We presently have all at Vanguard: $7500 in my Traditional IRA $2800 in my wife's Traditional IRA $72400 in wife's rollover IRA rolled over from a previous 401k - - - - Hi rkhusky and Watty, could you please explain why I can't convert our pre-tax (rollover)/traditional IRAs to Roth? Is there somet...
by bogleraw
Wed Apr 12, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Should I contribute to traditional IRA?
Replies: 14
Views: 1599

Re: Should I contribute to traditional IRA?

Investing in a taxable account is often better than nondeductible IRA if you can't convert to ROTH. Hi rkhusky and Watty, could you please explain why I can't convert our pre-tax (rollover)/traditional IRAs to Roth? Is there something that blocks such a move? Or is it because of the amounts in each...
by bogleraw
Mon Apr 10, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Should I contribute to traditional IRA?
Replies: 14
Views: 1599

Re: Should I contribute to traditional IRA?

Thanks for your feedback. We presently have all at Vanguard: $7500 in my Traditional IRA $2800 in my wife's Traditional IRA $72400 in wife's rollover IRA rolled over from a previous 401k Also have: $33640 in my Roth IRA $21761 in wife's Roth IRA $18800 in joint taxable account So should I simply nev...
by bogleraw
Mon Apr 10, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Should I contribute to traditional IRA?
Replies: 14
Views: 1599

Should I contribute to traditional IRA?

Hello, My wife and I have combined income that exceeded the limit to contribute to Roth IRA's for 2015 and 2016. I noticed this in March last year and had Vanguard recharacterize 2015 and 2016 Roth contributions to Traditional IRAs. I was admittedly quite a bit flustered by all of this and decided t...
by bogleraw
Sat Mar 25, 2017 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Tax professional recommendation in SF Bay Area (South bay)?
Replies: 1
Views: 289

Tax professional recommendation in SF Bay Area (South bay)?

Hi all, Our taxes in previous years have been mostly straight forward and I have always used Taxact. Forms are just 2 W2's, 1099DIVs, 1099B, HSA contributions, daycare expenses, 1099INTs, state tax refund 1099-G, 1098 for mortgage property taxes+interest. Unfortunately, I botched our IRA contributio...
by bogleraw
Sat Feb 25, 2017 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Best option for charitable donation
Replies: 4
Views: 603

Re: Best option for charitable donation

Thank you for the feedback. I did some more digging and realized that the amount of employer shares I have that are in long term capital gains status are ESPP shares that I purchased at a 15% discount on 1/15/2016. So none of these shares are vested RSUs. I have never sold ESPP or RSU shares before ...
by bogleraw
Sat Feb 25, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Best option for charitable donation
Replies: 4
Views: 603

Best option for charitable donation

Edit: Added option 4 based on PM (Thanks person who sent the PM!) Hi all, We are interested in establishing a scholarship for students with low-income backgrounds at my alma mater. We have 3 options to provide the amount needed to establish the scholarship: 1) With cash 2) Sell vested RSUs that are ...
by bogleraw
Thu Dec 01, 2016 9:47 pm
Forum: Personal Consumer Issues
Topic: Have Nexus but not able to use tsa precheck
Replies: 16
Views: 2231

Re: Have Nexus but not able to use tsa precheck

Thank you all! I updated my frequent flyer accounts for various airlines with the KTN. I hope it is smooth sailing from now on.
by bogleraw
Wed Nov 30, 2016 12:50 am
Forum: Personal Consumer Issues
Topic: Have Nexus but not able to use tsa precheck
Replies: 16
Views: 2231

Have Nexus but not able to use tsa precheck

Hi all, I have NEXUS cards for myself and my family. My understanding is that with NEXUS, you automatically get TSA PreCheck qualified. But every time I go through the security line at the airport (flying domestically or internationally), I get told that I cannot use the TSA Precheck line unless it ...
by bogleraw
Thu Sep 15, 2016 4:15 pm
Forum: Personal Consumer Issues
Topic: Where to buy good bookshelves in the bay area?
Replies: 9
Views: 1051

Re: Where to buy good bookshelves in the bay area?

Thank you all for your recommendations! :)
by bogleraw
Thu Sep 15, 2016 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning in bay area, California
Replies: 4
Views: 1243

Estate planning in bay area, California

Hi all, I attended a seminar in the bay area by a couple of lawyers from orange county. It was a good seminar, I got a very brief overview of probate courts (and the need to avoid them), revocable living trusts, a will, medical directives. but I am not sure on what to look for when deciding how to p...
by bogleraw
Mon Sep 12, 2016 10:20 pm
Forum: Personal Consumer Issues
Topic: Where to buy good bookshelves in the bay area?
Replies: 9
Views: 1051

Where to buy good bookshelves in the bay area?

Hi all, We want to buy good quality bookshelves that are sturdy and will hold college textbooks etc. We also have a problem that we are unable to bring large pieces of furniture up the stairs in our house. Where do the Bogleheads recommend buying good quality, modular bookshelves that will last us a...
by bogleraw
Mon Aug 22, 2016 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to apply Redfin buyer credit in CA
Replies: 3
Views: 581

Re: Best way to apply Redfin buyer credit in CA

Does one have to declare the credit / rebate on taxes for the year? Does Redfin send a tax document for the rebate?
by bogleraw
Mon Aug 22, 2016 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone bought a home with Redfin?
Replies: 35
Views: 5627

Re: Has anyone bought a home with Redfin?

Does one have to declare the cash refund on their taxes that year?
by bogleraw
Sun Aug 21, 2016 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Best way to apply Redfin buyer credit in CA
Replies: 3
Views: 581

Best way to apply Redfin buyer credit in CA

Hi all,

Is there a tax friendly way of applying the redfin buyer credit towards the purchase of a home in California? We have the choice of applying it towards closing costs or receiving a check.

Anybody have any experience with this?

Thanks!
by bogleraw
Mon Jul 25, 2016 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Need to decide which mortgage option to go with today
Replies: 21
Views: 1572

Re: Help! Need to decide which mortgage option to go with today

Thanks all for your responses. I went with option 3! :)
by bogleraw
Mon Jul 25, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Need to decide which mortgage option to go with today
Replies: 21
Views: 1572

Re: Help! Need to decide which mortgage option to go with today

Thanks all for the replies so far. I realized that I forgot to add an 7/1 ARM option for 20% down. Is option 3 still preferred over option 4?
by bogleraw
Mon Jul 25, 2016 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Need to decide which mortgage option to go with today
Replies: 21
Views: 1572

Help! Need to decide which mortgage option to go with today

Hi all, [EDITED TO ADD OPTION 4] My wife and I (both 32 years old) are under contract on a $1M property. We have the following mortgage options from the lender: 1) 30 year fixed, 10% down, 4% rate. Principal + interest = $4383. No additional PMI relative to 20% down. 2) 7/1 ARM, 10% down, 3.625% rat...
by bogleraw
Sun Apr 03, 2016 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking advice on erroneous Roth IRA contributions for 2015
Replies: 6
Views: 615

Re: Seeking advice on erroneous Roth IRA contributions for 2015

Thanks DSInvestor for your timely and useful advice! Everything makes sense regarding the steps I should take to fix the excess contributions. Yes, my wife and I have been maxing out our traditional 401(k) contributions at our respective employers all along. I setup traditional IRAs for both of us ...
by bogleraw
Mon Mar 28, 2016 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Seeking advice on erroneous Roth IRA contributions for 2015
Replies: 6
Views: 615

Re: Seeking advice on erroneous Roth IRA contributions for 2015

Thanks DSInvestor for your timely and useful advice! Everything makes sense regarding the steps I should take to fix the excess contributions. Yes, my wife and I have been maxing out our traditional 401(k) contributions at our respective employers all along. I setup traditional IRAs for both of us a...
by bogleraw
Sun Mar 27, 2016 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking advice on erroneous Roth IRA contributions for 2015
Replies: 6
Views: 615

Seeking advice on erroneous Roth IRA contributions for 2015

Hello, I was using TaxAct to file taxes for my wife and I and realized that 2015 was the first year where our combined income was greater than the MFJ limit for Roth IRA contributions ($>193000). In prior years when our MAGI was much lower, we had set up automatic monthly investments to contribute t...
by bogleraw
Fri Jan 22, 2016 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Rent vs buy analysis in the Bay Area (South bay)
Replies: 9
Views: 1895

Re: Rent vs buy analysis in the Bay Area (South bay)

Thank you all for the great responses. It has given me a lot of food for thought! I was unaware of the AMT thing - that is something I need to learn more about to see if it will really affect us, as I am the only person earning and my wife stays home.
by bogleraw
Thu Jan 21, 2016 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Rent vs buy analysis in the Bay Area (South bay)
Replies: 9
Views: 1895

Re: Rent vs buy analysis in the Bay Area (South bay)

Yes, I did try the NYT calculator as well as the Zillow calculator, but they don't seem to provide the information I am looking for. Could anybody else who has recently bought in the bay are provide any insight?

Thanks!
by bogleraw
Thu Jan 21, 2016 2:39 am
Forum: Personal Finance (Not Investing)
Topic: Rent vs buy analysis in the Bay Area (South bay)
Replies: 9
Views: 1895

Rent vs buy analysis in the Bay Area (South bay)

Hi all, I currently pay $3200 in rent for a 1100 sq. ft townhouse in the bay area. My landlord is pretty chill, has allowed me to keep the rent fixed and is willing to sign a multi year lease if I am interested. Our baby won't be attending kindergarten till he is 5 years old (2019). We are very happ...
by bogleraw
Tue Oct 27, 2015 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking life insurance advice
Replies: 10
Views: 991

Seeking life insurance advice

Hello, It is open enrollment season at my megacorp and I'm looking for some advice regarding life insurance. I have an 18 month old baby and my wife stays at home with him. We are all healthy and my wife and I are both 31. My employer offers basic life insurance as well as Accidental Death and Disme...
by bogleraw
Tue Jun 16, 2015 3:42 pm
Forum: Personal Consumer Issues
Topic: Comfortable shoes for work
Replies: 43
Views: 6015

Re: Comfortable shoes for work

Thank you all for your suggestions! Very helpful! :)
by bogleraw
Mon Jun 15, 2015 11:54 am
Forum: Personal Consumer Issues
Topic: Comfortable shoes for work
Replies: 43
Views: 6015

Comfortable shoes for work

Hello all, I have flat feet and have recently had some problems with aching feet at the end of each work day. For running, I have found Asics to be very comfortable with the gel in the arches, but I don't think they make comfortable shoes for a professional environment. Does anybody have any suggest...
by bogleraw
Tue May 26, 2015 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA contributions for spouse no longer working
Replies: 2
Views: 421

Roth IRA contributions for spouse no longer working

Hi all, My spouse was a W-2 employee until April this year. Besides small side income from random gigs, she is not expecting any other W-2 income for the rest of 2015 or in 2016. We usually make monthly contributions to each of our Roth IRAs to max it out each year. Are we allowed to continue fundin...
by bogleraw
Wed Apr 15, 2015 8:15 am
Forum: Investing - Help with Personal Investments
Topic: HSA contribution for 2015
Replies: 3
Views: 757

Re: HSA contribution for 2015

Thank you both for your replies! It makes sense.

Have a great day!
by bogleraw
Tue Apr 14, 2015 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: HSA contribution for 2015
Replies: 3
Views: 757

HSA contribution for 2015

Hello, My wife and I have been employed with Employer A since 1/1/2015. We have each been contributing to HSA's. Since the IRS family contribution limit to HSA for 2015 is $6650, I set my HSA contribution during annual enrollment last year to $3350 and my wife set hers to $3300. Starting next week, ...
by bogleraw
Thu Jan 15, 2015 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Taxact ultimate version $6 - DEAL OVER
Replies: 46
Views: 4358

Re: Taxact ultimate version $6

Thanks OP!

I switched from Turbo Tax to TaxAct last year and had no issues at all. Importing the data for 2014 taxes also worked perfectly.
by bogleraw
Mon Jun 30, 2014 3:55 pm
Forum: Personal Consumer Issues
Topic: Breastfeeding and baby formula
Replies: 24
Views: 2226

Re: Breastfeeding and baby formula

On 4), has your wife been to a lactation consultant? They would have better advice on supply increasing. (Is this medical advice? Is so, mods feel free to remove). shorvath, what you've offered is not medical advice; it's merely a suggestion about where OP and DW might get good advice re her situat...
by bogleraw
Mon Jun 30, 2014 12:28 pm
Forum: Personal Consumer Issues
Topic: Breastfeeding and baby formula
Replies: 24
Views: 2226

Re: Breastfeeding and baby formula

DW and I greatly appreciate all the replies so far and look forward to reading more responses from other parents. DW was relieved to learn that the powder isn't as much as a pain as she thought it would be :) I will explore all options and post back once we settle down with the option that works bes...
by bogleraw
Mon Jun 30, 2014 11:27 am
Forum: Personal Consumer Issues
Topic: Breastfeeding and baby formula
Replies: 24
Views: 2226

Breastfeeding and baby formula

Hi all, My wife is having trouble pumping sufficient breast milk each day to satisfy our newborn's needs. As a result, we're going to have to supplement with formula. A few questions for the crowd, particularly new parents: 1) What is the cheapest way to get Enfamil / Similac liquid formula? I'm won...
by bogleraw
Thu May 15, 2014 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: switching from FSA to HSA mid year
Replies: 2
Views: 724

Re: switching from FSA to HSA mid year

*bump* as I am in a similar situation. Hopefully, someone has suggestions!
by bogleraw
Wed May 14, 2014 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Wife's new 401k plan contribution limit
Replies: 12
Views: 1539

Re: Wife's new 401k plan contribution limit

You could put money into an HSA if available. She could use a Roth 401k to effectively get more money into the 401k, if available and your tax situation. We have already been maxing out our HSA's too. Interesting thought about the Roth401k. She DOES have that option available to her, but her 401k r...