Search found 60 matches

by trees
Fri May 19, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Variable Compensation and 401k Match
Replies: 7
Views: 793

Re: Variable Compensation and 401k Match

This really depends on how your match is structured. Mine is not capped per pay period and is a strict 50% match, so I front load my 401k in January with my bonus.

If it is capped, then I would suggest dividing it evenly per pay period to the max that will get your full match.
by trees
Wed Apr 26, 2017 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Stock options and tax planning
Replies: 6
Views: 443

Re: Stock options and tax planning

There is a minimal deferred compensation plan I can enroll in (applies to bonus only, choose % to send into deferred compensation plan ahead of time), but next option to opt-in is at the end of 2017 for money that would normally be payed out January 2020.
by trees
Wed Apr 26, 2017 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Stock options and tax planning
Replies: 6
Views: 443

Re: Stock options and tax planning

For clarification - these options are all long vested. For stock grants I do sell them immediately - the options have been the smaller amount that I've kept and has kept growing even as I sell off chunks.
by trees
Wed Apr 26, 2017 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Stock options and tax planning
Replies: 6
Views: 443

Stock options and tax planning

I'm trying to decide what to do with the last chunk of stock options I have that are expiring in the next 2-3 years, and would love the wisdom of the crowds. I've been periodically selling off chunks as the stock market increases to avoid overexposure. What would you recommended under the following ...
by trees
Tue Jan 31, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund options
Replies: 23
Views: 1843

Re: Donor Advised Fund options

Thanks everyone, I definitely appreciate all of the feedback! I think I'll look into starting a Fidelity DAF for my first round with their minimum contribution. I can always switch over to Vanguard if I do a second round / run into problems with the spec id mutual funds -> fidelity setup.
by trees
Sun Jan 29, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund options
Replies: 23
Views: 1843

Donor Advised Fund options

Due to various reasons, many of which we can't talk about on the forum, I've decided to increase my charitable contributions. As part of that, it makes sense to fund with long term gains. This is the first time I've dealt with that, and as I'll be giving to a variety of organizations and hate paperw...
by trees
Sat Oct 22, 2016 12:11 pm
Forum: Personal Consumer Issues
Topic: Putting in a Word About Tea - brands, types, etc.
Replies: 72
Views: 7397

Re: Putting in a Word About Tea - brands, types, etc.

I do not understand your statement. In general, for green and white tea, you want to lower the temperature of the water and increase the brewing time. People do leave their green and white tea leaves in the water bottle the whole day and drink for that. For very good tea leaves, you can brew the te...
by trees
Wed Jun 01, 2016 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Sell Rental to Pay Off House?
Replies: 23
Views: 2371

Re: Sell Rental to Pay Off House?

I would keep the condo and refinance into a 10 year loan - with current rates you should be able to drop at least a percent in interest rates, and in another two years I would expect the value to skyrocket (either in rent or selling price) once the viaduct comes down. Although some of that is factor...
by trees
Fri Jan 29, 2016 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Wouldnt you recast the mortgage at this stage?
Replies: 19
Views: 2162

Re: Wouldnt you recast the mortgage at this stage?

The money you get after sale is sale price - remaining mortgage value. There is no splitting the sale price with the bank based on some conceptual percentage of equity based on original purchase price.
by trees
Thu Jan 28, 2016 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing to 15 year?
Replies: 12
Views: 1017

Re: Refinancing to 15 year?

If you haven't already, I'd try out zillow's mortgage quote feature. It gives you quotes from a large number of lenders, lets you filter on points / no cost, and is where I've found the most competitive rates whenever I've done refinancing (including one I'm in the process of doing).
by trees
Sun Jan 17, 2016 12:34 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime: doing the math...is it worth it?
Replies: 111
Views: 14358

Re: Amazon Prime: doing the math...is it worth it?

One thing that it looks like no one has mentioned yet is no-rush shipping. I have a lot of orders where I don't need it immediately (but wouldn't want to wait to order it until I had $35 dollars plus), such as cat litter. No-rush shipping is now almost always available, and gives $1 credit to digita...
by trees
Sat Aug 15, 2015 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Confused about Community Property
Replies: 15
Views: 2174

Re: Confused about Community Property

I think the issue here is confusion about the status of money in tax sheltered accounts (401k, IRA). Even though they're only in your name, these are also community property, and half hers as well.
by trees
Mon Dec 15, 2014 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: After tax 401(K) when in-service withdrawal is not allowed
Replies: 2
Views: 347

Re: After tax 401(K) when in-service withdrawal is not allow

I would check if they allow in service conversion - some plans allow conversion to Roth 401k but not the Roth IRA. If they support the conversion, I would do that. Otherwise, I don't think after tax contributions make sense - you're basically converting income that would mainly be capital gains in a...
by trees
Sat Dec 13, 2014 8:42 pm
Forum: Personal Consumer Issues
Topic: Your Favorite Cookbook?
Replies: 68
Views: 7979

Re: Your Favorite Cookbook?

The Herbal Kitchen: http://www.amazon.com/The-Herbal-Kitche ... 060599766/

Wonderful recipes that are (relatively) simple and use fresh ingredients and herbs. Just as importantly, it has beautiful pictures that you can browse through to get inspired, a must-have for me to make cookbooks truly useful.
by trees
Mon Sep 08, 2014 6:00 pm
Forum: Personal Consumer Issues
Topic: Anyone have a Nest learning thermostat?
Replies: 19
Views: 2399

Re: Anyone have a Nest learning thermostat?

I have one and really like it. I have a fairly similar use case - only myslef (and cats) to satisfy, had programmable thermostat that was already set reasonably (cooler when gone, etc). I was happily surprised by the savings I saw - in the 10-20% range depending on the month. I installed it late Feb...
by trees
Fri Aug 15, 2014 11:00 am
Forum: Personal Finance (Not Investing)
Topic: How to organize accounts for paying off $50k in debt.
Replies: 13
Views: 1579

Re: How to organize accounts for paying off $50k in debt.

I have found using 3 accounts works really well for me. What I have: - Checking account for fixed expenses: direct deposit from paycheck to cover all fixed and monthly recurring expenses (mortgage, utilities, phone, internet, etc). Usually has ~2 months of padding, so this is also the closest I get ...
by trees
Wed Aug 06, 2014 2:44 pm
Forum: Personal Consumer Issues
Topic: Recommendation for a 2 man tent
Replies: 23
Views: 1807

Re: Recommendation for a 2 man tent

I'm a huge fan of big agnes tents (I have 3), they have dozens of models to choose from. Can you give the type of conditions you will be using them in? Above treeline in windy conditions or down in hot humid forests? Who will be sharing a tent with you, your significant other or another hiking budd...
by trees
Thu Jul 03, 2014 9:38 am
Forum: Personal Finance (Not Investing)
Topic: In retirement you expect your standard of living to?
Replies: 55
Views: 5757

Re: In retirement you expect you standard of living to?

I plan on doing more traveling (that I don't have time to do as much as I'd like now), so I expect that will drive it up a bit.
by trees
Sat Jun 14, 2014 11:26 am
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 110
Views: 14156

Re: Cutting the cable cord - how did you do it?

That's the antenna I have. Its designed to be an indoor antenna / plug in via coax cable to TV, so my guess is that you would need one per TV unless you had some way of connecrin into main cable drop into the house, and even then not sure how well it would work.
by trees
Sat Jun 14, 2014 10:07 am
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 110
Views: 14156

Re: Cutting the cable cord - how did you do it?

Roku + amazon streaming and / or Netflix. I got a small attenna (looks like a laminated sheet of paper but works well) for occasional broadcast sports, but find I only use it a few times a year. Other times I want to watch sports I'm either gathering with friends, or head to bar / restaurant. I save...
by trees
Sat Jun 14, 2014 10:01 am
Forum: Personal Finance (Not Investing)
Topic: pay off mortgage or ROTH
Replies: 58
Views: 6177

Re: pay off mortgage or ROTH

I suggest taking a look at the wiki page on this if you haven't already. Essentially it comes down to what you're more comfortable with - investing will probably come out ahead in the long term, but many appreciate the guaranteed return / have emotional attachments to the idea of a paid off house. O...
by trees
Fri Jun 13, 2014 10:35 am
Forum: Investing - Help with Personal Investments
Topic: I've decided - Please help with Retirement?
Replies: 36
Views: 5808

Re: I've decided :) Please help with Retirement?

Are you maxing your 401k contributions now? If not, increase them to the max and use this money to balance out any cash flow issues - that will effectively move it into your 401k. Also look if your plan supports after tax contributions and in plan conversions.
by trees
Thu May 22, 2014 8:08 am
Forum: Personal Consumer Issues
Topic: cable cutting questions
Replies: 49
Views: 6930

Re: cable cutting questions

I use a Roku with Netflix and Amazon (Prime). I had Hulu Plus for a while, but wasn't using it much and got annoyed by having repeating ads on something I was already paying for. Instead, I just buy the episodes on Amazon if I really want to watch them before they hit Netflix/Prime - keeping up to d...
by trees
Mon Apr 28, 2014 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: After tax Inplan Conversion and Turbotax
Replies: 5
Views: 1491

Re: After tax Inplan Conversion and Turbotax

I've also done this with turbo tax quite easily - just plug in the form vanguard (or whoever your 401k provider is) sends you. Only suggestion I have is to do the conversion early to limit taxable gains.
by trees
Sun Mar 23, 2014 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Aargh, investing!!
Replies: 79
Views: 10387

Re: Aargh, investing!!

Although its not the most tax efficient (since it doesn't let you put things like bonds all in tax advantaged account), in your case I would suggest considering one of vanguards target retirement funds. It has all three of total stock, international, and bonds within it, meaning it does the rebalan...
by trees
Sun Mar 23, 2014 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Aargh, investing!!
Replies: 79
Views: 10387

Re: Aargh, investing!!

Although its not the most tax efficient (since it doesn't let you put things like bonds all in tax advantaged account), in your case I would suggest considering one of vanguards target retirement funds. It has all three of total stock, international, and bonds within it, meaning it does the rebalanc...
by trees
Sat Mar 22, 2014 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Should we take advantage of after tax 401k?
Replies: 11
Views: 1170

Re: Should we take advantage of after tax 401k?

I've also thought about doing after tax contributions to my 401K and how the taxation works. I imagine withdrawal being more complicated due to needing to separate what was already taxed from what wasn't? Would I be creating a tax bomb when time for RMDs? Plus at withdrawal the gains would not be t...
by trees
Sat Mar 22, 2014 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Should we take advantage of after tax 401k?
Replies: 11
Views: 1170

Re: Should we take advantage of after tax 401k?

If you have the in-plan conversion available (which it sounds like you do), its absolutely worth it. At this point it's not a choice between tax deferred or not, but simple whether you want gains on your post tax money to be taxed in the future (taxable) or not (after tax-tax w/ conversion to Roth)....
by trees
Tue Mar 18, 2014 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Your thoughts on vacation home or second home
Replies: 61
Views: 6977

Re: Your thoughts on vacation home or second home

I think it really depends on 1) how far it is to the vacation home 2) how often you expect to use it 3) Whether you're willing to rent out 4) How it relates to your overall net worth. For what it's worth, I bought a second home 2 years ago and love it. However, I intentionally bought one that was le...
by trees
Sun Mar 16, 2014 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Combining Backdoor Roth With After-Tax 401K Conversion
Replies: 9
Views: 1159

Re: Combining Backdoor Roth With After-Tax 401K Conversion

For what it's worth, this may also depends on how your 401k provider tracks contributions. At vanguard, each type is held in its own SubAccount associated with the soirce, so that each is separate. Many plans allow distribution of after tax money (but nothing else) while still employed. Vanguard exp...
by trees
Sun Mar 09, 2014 12:34 pm
Forum: Investing - Theory, News & General
Topic: Poll: Are you going to retire? And if so, when?
Replies: 49
Views: 6097

Re: Poll: Are you going to retire? And if so, when?

I'm aiming for financial independence well before 50... Whether I'll then actually retire as define above, keep working, or switch to part time work in a different field is still too far away to decide.
by trees
Sun Mar 09, 2014 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: How Are We Doing?
Replies: 10
Views: 1238

Re: How Are We Doing?

His 401k #1 at Prudential 100% Vanguard Small Cap Index Signal (VSISX) (0.09%) Balance: $4,481 Company match: 3%, must contribute 6% to get it. His 401k #2 at The Standard 100% Vanguard 500 Index Signal (VIFSX) (0.05%) Balance: $1,601 No company match Her 403b at TIAA-CREF Company match: 5%, must c...
by trees
Thu Jan 02, 2014 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard automatic transactions - any pitfalls?
Replies: 12
Views: 1658

Re: Vanguard automatic transactions - any pitfalls?

Another option you have is to use direct deposit - I have it set up to automatically deposit part of my paycheck into my taxable account, I imagine you can do that for IRA, or deposit into money market and then do auto purchase from vanguard taxable to IRA.
by trees
Thu Dec 19, 2013 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Buying Home vs Paying Off Debt
Replies: 15
Views: 1487

Re: Buying Home vs Paying Off Debt

Two additional things to think about: You mention two different interest rates for the student loans - what is the breakdown between the two? One option for compromise could be targetting buying a house after the higher rate is paid off. I would also double check your numbers - a 120k loan with 1.25...
by trees
Fri Jun 14, 2013 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Article about young americans not using credit cards
Replies: 81
Views: 7212

Re: Article about young americans not using credit cards

It's probably got nothing to do with self–restraint and credit cards, because most young people don't see debit cards as an alternative to credit. They see debit cards as an alternative to physical cash. And while debit cards have conveniences over cash, plastic is plastic, with no meaningful diffe...
by trees
Tue Jan 15, 2013 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: refinance or pay off mortgage?
Replies: 9
Views: 1138

Re: refinance or pay off mortgage?

It depends what the rest of your financial picture looks like, plus what your risk tolerance is. Do you have a 401k? Are you maxing it? Do you have money in taxable that you're planning on using to pay it off, or are you redirecting cashflow, etc? Without some of these variables, we don't have enoug...
by trees
Sun Jan 13, 2013 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Struggling with when to get in
Replies: 74
Views: 6610

Re: Struggling with when to get in

It seems as though high transaction cost is limiting the actions you're willing to take. In that case, you might want to consider one of the target retirement funds instead - you'll only need 1/3 of the transactions to begin with (or can make same number of transactions at smaller values), and it wi...
by trees
Fri Jul 13, 2012 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: How many times have you refinanced?
Replies: 27
Views: 2604

Re: How many times have you refinanced?

As interest rates keep dropping, refinancing repeatedly is pretty common. Original loan 2007: 30 year 6.5 Refi 1: 15 year 4.25 Refi 2 2011: 10 year 3.25 Refi 3 (just finished): 15 year 3.0 I thought I was done after refi 2, but continued dropping rates combined with buying 2nd home with slightly hig...
by trees
Sun May 13, 2012 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: bogleheads thoughts on renter's insurance?
Replies: 40
Views: 6240

Re: bogleheads thoughts on renter's insurance?

Do you have a car? If so, you may actually save money by getting renters insurance. When I first bought my car, the multi-policy discount on the auto policy was larger than the total renters insurance amount.
by trees
Thu Apr 19, 2012 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Escaped from Ameriprise, now seeking advice on strategy
Replies: 43
Views: 3286

Re: Escaped from Ameriprise, now seeking advice on strategy

If your wife is riskadverse with cash I would suggest I bonds,theres nothing safer than savings bonds... I did not count cash,if you and your wife deside later to add cash.. I am just trying to get you started your first post was July,it's no hurry but this is risk adverse and you may be able to se...
by trees
Thu Jan 12, 2012 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: 3.875% mortgage or keep looking?
Replies: 10
Views: 1170

Re: 3.875% mortgage or keep looking?

Depends a lot on closing costs. I would suggest going to zillow and using their tool to get a bunch of quotes, that will give you a good sense of whether to seriously shop around or not without needing to enter any personal info.
by trees
Wed Jan 04, 2012 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Investing after-tax income into employer-sponsored 401K
Replies: 45
Views: 6069

Re: Investing after-tax income into employer-sponsored 401K

As mentioned, it can depend on the employer plan. In terms of irs view, etc, the answer is yes. I do this with my 401k plan. As of last year, you can do an in-plan convertion of that aftertax contribution to a roth 401k (or rollover to roth ira). It all depends on the employer plan. A lot of people ...
by trees
Tue Jan 03, 2012 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to divide $625 per month savings
Replies: 16
Views: 2053

Re: How to divide $625 per month savings

I would build up your emergency fund until you have at LEAST 3 months of expenses covered.
by trees
Mon Jan 02, 2012 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Preferred vs Capital One Venture Rewards?
Replies: 16
Views: 4862

Re: Chase Sapphire Preferred vs Capital One Venture Rewards?

I've been very happy with Capital One, although I have the free / 1.25 pts version instead of the one with annual fee. Originally got it in college, and they bumped up credit limit occasionally without any action on my part (this was a while aho), now at 10k. I haven't had to deal with any hard sell...
by trees
Tue Dec 27, 2011 2:16 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime for Bogleheads?
Replies: 36
Views: 4065

Re: Amazon Prime for Bogleheads?

(2) more importantly, it's very difficult to navigate on the Roku box to find what you want to watch via Amazon vs Netflix. I'm not the only one who has made these complaints on the internet, and I'm sure Amazon is aware of this. I plan to check periodically to see if Amazon has managed to close th...
by trees
Tue Dec 27, 2011 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Owning / managing vacation rental
Replies: 7
Views: 1157

Re: Owning / managing vacation rental

Yes, we own a 4BR/3BA town home up in Maine that's about 100ft from the beach. We purchased it in August of 2010, and rented it out 5 weeks last summer at $3,300 per week, which covered all of out mortgage payments and some of the other costs as well. We advertised on Craigslist and handled all of ...
by trees
Tue Dec 27, 2011 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Owning / managing vacation rental
Replies: 7
Views: 1157

Owning / managing vacation rental

Do any of you out there in boglehead land own vacation rentals (or have in the past)? I'm considering buying a property that would be used as a vacation rental, and doing the management myself. I'm curious what others experiences have been, and if there are things you would most suggest looking into...
by trees
Wed Aug 24, 2011 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow dilemma - want to increase savings
Replies: 16
Views: 2748

If you are uncomfortable saving up the bonuses and stock sales and then spending them down through the year, I would highly recommend using 100% of the bonus to fund your 401k - this may actually allow you to increase take home pay on a paycheck to paycheck basis, so that your monthly inflow/outflow...
by trees
Wed Aug 24, 2011 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow dilemma - want to increase savings
Replies: 16
Views: 2748

As others have mentioned, it's hard to make too many suggestions without having a breakdown of expenses. They seem on the high side, so there's likely savings to be found there. As for the 401k question, two suggestions: if you can, allocated 60-100% of bonus (depending on limit) to 401k. This will ...
by trees
Wed Aug 24, 2011 6:46 pm
Forum: Investing - Theory, News & General
Topic: Poll: Individual Stocks
Replies: 34
Views: 4154

I think the 50-50 is also related to people receiving company stock as part of their compensation - while they may or may not keep it long term, it means they tend to own "individual stocks". That's the situation I'm in - the only individual stock I own is vesting stock I receive, everythi...