Search found 3222 matches

by mhc
Wed Dec 07, 2016 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Stock Options Help
Replies: 12
Views: 577

Re: Stock Options Help

As far as timing of options exercise, the "normal" procedure is to exercise shortly before expiration at ten years (usually). This is especially so if option grants are going to be an annual compensation benefit. I don't think that's the "normal procedure" at all. For most peopl...
by mhc
Wed Dec 07, 2016 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Stock Options Help
Replies: 12
Views: 577

Re: Stock Options Help

When you receive the options, there should be documentation available that answers all of your questions. If you cannot find the documentation, ask your manager, HR rep, benefits person, and/or the stock administrator. Otherwise, look for a co-worker that is knowledgable.
by mhc
Wed Dec 07, 2016 9:29 am
Forum: Personal Consumer Issues
Topic: Should I fill out survey evaluation of my boss?
Replies: 33
Views: 2271

Re: Should I fill out survey evaluation of my boss?

I know from personal experience that even if HR says it will be anonymous, it won't be. I know from personal experience if everyone in a group complains, you will enter a HR nightmare. HR is for the benefit of upper management. Sometimes lower management. Rarely for individual contributors. After ma...
by mhc
Tue Dec 06, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: Physical security solution for basement door?
Replies: 17
Views: 992

Re: Physical security solution for basement door?

What about a couple of 2x4 brackets and a board. Easy to install and low cost.

https://www.amazon.com/National-N235291 ... B000BO9NFI
by mhc
Mon Dec 05, 2016 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Silly FICO Score "Key Factors"
Replies: 7
Views: 610

Re: Silly FICO Score "Key Factors"

My understanding is the credit utilization rate is a snapshot in time. It really doesn't matter if you pay off your balances in full each month. What matters is the utilization rate when the snapshot is taken.
by mhc
Fri Dec 02, 2016 9:29 am
Forum: Investing - Help with Personal Investments
Topic: At 10x, how long before I reach 25x?
Replies: 18
Views: 3597

Re: At 10x, how long before I reach 25x?

realt return years 1x years 0.5x 0.03 12 17 0.04 11 15 0.05 10 13 0.06 9 12 0.07 9 11 0.08 8 10 How do you arrive at these figures, mhc? I get different results: Add Annually Growth 1x 0.5x ------ ---- ---- 0% 15.0 30.0 1% 12.8 22.4 2% 11.3 18.0 3% 10.1 15.1 4% 9.1 13.0 5% 8.3 11.5 6% 7.7 10.3 7% 7...
by mhc
Thu Dec 01, 2016 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: allocation question
Replies: 4
Views: 429

Re: allocation question

I wouldn't go through the trouble of adding international bonds. They would probably only have a small impact on the portfolio. The impact could be positive or negative. You have a nice simple portfolio. Leave good enough alone.
by mhc
Thu Dec 01, 2016 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: At 10x, how long before I reach 25x?
Replies: 18
Views: 3597

Re: At 10x, how long before I reach 25x?

realt return years 1x years 0.5x
0.03 12 17
0.04 11 15
0.05 10 13
0.06 9 12
0.07 9 11
0.08 8 10
by mhc
Wed Nov 23, 2016 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting -- Wash-Sale Rule
Replies: 2
Views: 247

Re: Tax Loss Harvesting -- Wash-Sale Rule

They are different funds. Looks good. Fidelity also has other good International funds you could use if you do not want to switch to Vanguard.
by mhc
Wed Nov 23, 2016 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Tax sheltered investment vehicles help
Replies: 14
Views: 558

Re: Tax sheltered investment vehicles help

1) what is considered a high deductible plan? 2) is a backdoor Roth IRA better than a standard brokerage account? 3) if number 2 is correct, why would anyone invest in a brokerage account? It seems everyone should invest everything in backdoor IRA when compared to a brokerage account? 1. Your medic...
by mhc
Wed Nov 23, 2016 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Question
Replies: 6
Views: 341

Re: Backdoor Roth Question

When the tax laws changed that removed income limits on IRA conversions, I converted my DW IRA to a Roth. It cost me about $3-4k in taxes. I figured it would be more tax efficient over the 15-20 years that we could backdoor money. It also made everything simpler, which I highly value. You could run ...
by mhc
Wed Nov 23, 2016 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Tax sheltered investment vehicles help
Replies: 14
Views: 558

Re: Tax sheltered investment vehicles help

If you have a high deductible medical plan that qualifies for an HSA, then max that out first.

I would then use the backdoor roth. You can learn about this on the wiki.
by mhc
Tue Nov 22, 2016 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Why would anyone do tax loss harvesting??
Replies: 25
Views: 1519

Re: Why would anyone do tax loss harvesting??

You got it, but you can't buy an exact same fund. The law says the funds cannot be substantially identical. Vanguard's TSM fund is probably not substantially identical to the Fidelity TSM fund, at least not for me.
by mhc
Fri Nov 18, 2016 10:51 am
Forum: Investing - Help with Personal Investments
Topic: vanguard current asset pie mix became mostly OTHER?
Replies: 2
Views: 328

Re: vanguard current asset pie mix became mostly OTHER?

Do the funds in your 401k have ticker symbols? Are you sure they are really mutual funds?
by mhc
Fri Nov 18, 2016 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Safely removing large sum from Vanguard brokerage account
Replies: 3
Views: 491

Re: Safely removing large sum from Vanguard brokerage account

You should be able to look up your cost basis to see what your captial gains are. You will have to account for losses/gains on your taxes. Any short term gains will be taxed as normal income. If the value really hasn't changed much, then don't worry about the tax implications. There should be no fee...
by mhc
Fri Nov 11, 2016 10:44 am
Forum: Personal Consumer Issues
Topic: Two Plumbing Tools
Replies: 13
Views: 1352

Re: Two Plumbing Tools

1. For my kitchen sink, I can only use a basin wrench. For my bathroom sinks, I have not needed a basin wrench. For under sink work, a head lamp is also really great.
by mhc
Mon Nov 07, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: Got a very wide range of plumbing contractor bids. Is this normal?
Replies: 19
Views: 1674

Re: Got a very wide range of plumbing contractor bids. Is this normal?

Very common. I have seen this with plumbers, painters, radon mitigation, ....
by mhc
Mon Nov 07, 2016 11:45 am
Forum: Personal Consumer Issues
Topic: Amazon Echo
Replies: 53
Views: 5658

Re: Amazon Echo

I bought one this past summer. We use it occasionally. It was a mediocre descision to buy one.

It is good for streaming Amazon music.
by mhc
Fri Nov 04, 2016 4:01 pm
Forum: Personal Consumer Issues
Topic: Gaming system for kids?
Replies: 53
Views: 3654

Re: Gaming system for kids?

I second the Xbox or Playstation recommendation, especially if you can align with friends. Both are good systems.

When my son was 7, I had to play with him to get him past the hard levels. I'm glad those days are over.
by mhc
Fri Nov 04, 2016 12:17 pm
Forum: Investing - Theory, News & General
Topic: Higher expected returns = Lower expected losses?
Replies: 25
Views: 1591

Re: Higher expected returns = Lower expected losses?

Go chart a TSM fund vs a TBM fund for the last 20 years. TSM has a higher expected return. See how the two funds move. It may answer your question.
by mhc
Tue Nov 01, 2016 1:59 pm
Forum: Investing - Theory, News & General
Topic: Paid off home. View as bond or cash in AA if you plan to sell in retirement?
Replies: 32
Views: 2439

Re: Paid off home. View as bond or cash in AA if you plan to sell in retirement?

I would not include it as a bond or cash because it is neither.

AA is based on need and ability to take risk. With a paid off home, you ability to take risk may be higher. If so, then your AA could lean more towards equities.
by mhc
Mon Oct 31, 2016 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: When should Cash supersede Bonds?
Replies: 16
Views: 2196

Re: When should Cash supersede Bonds?

Only time I would hold cash over bonds is if I could earn more with the cash with a similar risk as the bonds.

I do not ever plan to hold 3-5 years worth of cash. It is just throwing away money for a false sense of security. YMMV.
by mhc
Mon Oct 31, 2016 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Max out 401k as soon as possible in 2017?
Replies: 6
Views: 1323

Re: Max out 401k as soon as possible in 2017?

I'm a fan of maxing out as soon as possible. I might lose my job and lose the ability to contribute the rest of the year. It also delays paying witholding taxes slightly.
by mhc
Mon Oct 31, 2016 9:32 am
Forum: Personal Finance (Not Investing)
Topic: How are RSUs taxed? [Restricted Stock Units]
Replies: 3
Views: 483

Re: How are RSUs taxed? [Restricted Stock Units]

1. Yes. When the RSUs vest, it is considered normal income. Hopefully, there is a cashless option for paying taxes where the company just witholds the proper number of shares to cover the taxes. You will receive the remaining shares. 2. For my company, the divend payment just shows up on my W-2. The...
by mhc
Thu Oct 27, 2016 11:04 am
Forum: Investing - Theory, News & General
Topic: Dont invest in 401K
Replies: 42
Views: 4415

Re: Dont invest in 401K

pinhead wrote:I never did because I always felt money now is better than money 30 years later.


I have always felt that paying taxes later is better than paying them now. Once you pay the taxes, that money is gone. If you delay paying taxes, who knows, maybe you won't pay them at all or at a lower rate.
by mhc
Thu Oct 27, 2016 9:28 am
Forum: Personal Finance (Not Investing)
Topic: classy way to tell colleague's "I'm leaving for the money"
Replies: 22
Views: 2644

Re: classy way to tell colleague's "I'm leaving for the money"

I wouldn't say I am leaving for the money. I would say I am leaving for a better career opportunity and leave it at that. There is no need to bring up money.
by mhc
Thu Oct 20, 2016 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: When have you given enough?
Replies: 65
Views: 5243

Re: When have you given enough?

A child with a masters degree and job is not a worthy cause. $0 is enough. If the child lost his job and needed help making ends meet, then he would be a worthy cause. The limit may be up to the point of sinking your own ship. For others and non-profits, you have to decide for yourself what is enoug...
by mhc
Wed Oct 19, 2016 9:43 am
Forum: Investing - Theory, News & General
Topic: Donor Advised Fund (DAF) - Which Company to Use
Replies: 23
Views: 928

Re: Donor Advised Fund (DAF) - Which Company to Use

I have all my non-work related investments at Vanguard, so I went with Vanguard Charitable. It has worked really well. I can donate from Vanguard to Vanguard Charitable electronically with just a few clicks of the mouse.

VC has been really good for me.
by mhc
Tue Oct 18, 2016 5:16 pm
Forum: Investing - Theory, News & General
Topic: The riskiness of home ownership
Replies: 239
Views: 15414

Re: The riskiness of home ownership

You also have the risk that comes from having a concentrated position. A lot of homeowners have a large percentage of their wealth tied up in their houses. Not very diversified.
by mhc
Tue Oct 11, 2016 2:57 pm
Forum: Investing - Theory, News & General
Topic: Highly compensated employee limits - 401k
Replies: 29
Views: 2427

Re: Highly compensated employee limits - 401k

I would see if the company would be willing to shift some of the employee income to company contributions to the 401k to qualify for the safe harbor rules. If you do get a refund, I would first fund tax advantaged accounts (e.g., IRA, Roth, HSA), then I would fund my taxable account. Thank you. Do ...
by mhc
Tue Oct 11, 2016 11:10 am
Forum: Investing - Theory, News & General
Topic: Highly compensated employee limits - 401k
Replies: 29
Views: 2427

Re: Highly compensated employee limits - 401k

I would see if the company would be willing to shift some of the employee income to company contributions to the 401k to qualify for the safe harbor rules.

If you do get a refund, I would first fund tax advantaged accounts (e.g., IRA, Roth, HSA), then I would fund my taxable account.
by mhc
Thu Oct 06, 2016 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Questions
Replies: 10
Views: 791

Re: Rebalancing Questions

If you are in the accumaltion phase and strategically direct new funds, you will rarely need to rebalance. I rebalance once a year because I cannot buy enough bonds in my 401k to keep up with my equity purchases in my taxable account. Otherwise, I probably could stay in balance with just new purchas...
by mhc
Wed Oct 05, 2016 4:49 pm
Forum: Personal Consumer Issues
Topic: Required to pay with Amazon gift card!
Replies: 11
Views: 833

Re: Required to pay with Amazon gift card!

I would walk away.

If you pay with a credit card, you have protection. If you pay with a gift card, there probably is no recourse.

On second thought, I would run away.

Google it and see what the wise say.
by mhc
Tue Oct 04, 2016 9:17 am
Forum: Investing - Theory, News & General
Topic: Adjusting the x% spending rule
Replies: 27
Views: 2694

Re: Adjusting the x% spending rule

I wonder how many people in retirement use such a mechanical method. It just doesn't seem realistic to me.

I do agree that in down times spend less, and in good times enjoy the fruits of your labor.
by mhc
Mon Oct 03, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: Routers!! are driving me crazy
Replies: 33
Views: 3365

Re: Routers!! are driving me crazy

You should be able to leave your router on 24/7.

I purchased a nighthawk last year. The 5g channel got so flaky after 6 months that it is unusable. The 2.4g is still working. I am very disappointed in Netgear.

It seems like getting a good router is a roll of the dice.
by mhc
Mon Oct 03, 2016 11:32 am
Forum: Personal Finance (Not Investing)
Topic: How to tweak Firecalc?
Replies: 2
Views: 440

Re: How to tweak Firecalc?

http://www.cfiresim.com/

cfiresim is similar to firecalc, but it looks like you can have a changing portfolio over time.
by mhc
Fri Sep 30, 2016 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Good funds for Emergency Fund?
Replies: 21
Views: 2198

Re: Good funds for Emergency Fund?

You could use a short term bond fund. Online 1% savings account is very common. If you have a sufficiently large EF, you can increase the risk level of your investment. You have to figure out what works for you, and go with it. Some people with large portfolios don't even have an EF. It is kind of l...
by mhc
Wed Sep 28, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: How closely do you check your credit card statements?
Replies: 58
Views: 3017

Re: How closely do you check your credit card statements?

I scan my transactions on-line every few weeks. I never compare them against receipts. I only look for gross errors or fraudulent charges. When I checked more carefully, I never found an error, so I stopped.
by mhc
Tue Sep 27, 2016 3:29 pm
Forum: Personal Consumer Issues
Topic: Smartphone Case
Replies: 15
Views: 751

Re: Smartphone Case

I don't use a case. Unless you tend to drop things, you don't need a case. Many people do not use a case.
by mhc
Tue Sep 27, 2016 3:27 pm
Forum: Investing - Theory, News & General
Topic: No Extended Market stocks? How bad is it?
Replies: 10
Views: 979

Re: No Extended Market stocks? How bad is it?

You could move all your wife's bonds to Total Market and some of your S&P to more bonds. That would get you closer. Or you could go with what you have for simplicity - rebalancing is probably easier. +1 You don't have to have the 3-fund portfolio replicated in each account. Choose the best opti...
by mhc
Tue Sep 27, 2016 12:29 pm
Forum: Personal Consumer Issues
Topic: Office headsets
Replies: 13
Views: 1120

Re: Office headsets

For my phone I use a wireless Plantronics headset. It is great. I've been using the same one for over 5 years. It has good range. During long meetings I can walk around the office, get coffee, and even go to my car to get my lunch. I was the first in the office to get one. Now, everyone has one. The...
by mhc
Tue Sep 27, 2016 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Recommended advisors with stock option experience
Replies: 3
Views: 359

Re: Recommended advisors with stock option experience

Stock options are pretty easy unless maybe you have a ridiculous amount.
by mhc
Mon Sep 26, 2016 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Lost cost basis on non-covered stock. Audit what to do
Replies: 7
Views: 600

Re: Lost cost basis on non-covered stock. Audit what to do

I would contact my previous employer to see what they have available.
by mhc
Mon Sep 26, 2016 11:08 am
Forum: Personal Consumer Issues
Topic: Were these microwave oven potentially harmful?
Replies: 7
Views: 934

Re: Were these microwave oven potentially harmful?

If you bought it at a local retailer, exchange it. Next time, open every box in the store until you find one that you will be happy with. A clerk should be able to assist you. If they won't, take your business eleswhere. I would suspect the gap is not an issue, but if you aren't happy and comfortabl...
by mhc
Fri Sep 23, 2016 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Invest entire $1M windfall now or over time?
Replies: 39
Views: 4946

Re: Invest entire $1M windfall now or over time?

If you are already in the market, stay in the market. Sounds like you are already in with the $1 million, so keep it in the market.
by mhc
Fri Sep 16, 2016 2:55 pm
Forum: Personal Consumer Issues
Topic: How to fix doors that don't close after new carpet installation
Replies: 36
Views: 2659

Re: How to fix doors that don't close after new carpet installation

... My neighbor cut the bottom of a door off for me with his table saw that he set up in his driveway. It took less than 10 minutes. I don't remember it being a problem. Probably not by his/her self. :!: Running sheet goods through a table saw without a sled and support of the work piece is dangero...
by mhc
Fri Sep 16, 2016 8:25 am
Forum: Personal Consumer Issues
Topic: How to fix doors that don't close after new carpet installation
Replies: 36
Views: 2659

Re: How to fix doors that don't close after new carpet installation

Make friends with someone who has a table saw. Thats what I do. Otherwise, find a good handyman. They are worth their weight in gold. Pretty hard to run a door through a (home shop) table saw safely ... Right. I don't know how you could do that except on industrial size equipment. I have done it us...
by mhc
Thu Sep 15, 2016 9:54 am
Forum: Personal Consumer Issues
Topic: Conference/Vacation in Colorado Springs in November -- suggestions for things to do? Also, how much/what can I deduct?
Replies: 12
Views: 1036

Re: Conference/Vacation in Colorado Springs in November -- suggestions for things to do? Also, how much/what can I dedu

nova1968 wrote:Check out the Air Force Academy, they have a visitors section, walking areas and guided tours


I do not believe they have guided tours for the general public. The visitor center and chapel are worth seeing. My family really enjoyed the movie in the visitor center.

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