Search found 57 matches

by shiftleft
Fri Dec 13, 2019 5:22 pm
Forum: Personal Investments
Topic: WWYD? - advice needed. 41 yr old in VHCOL, FIRE? thinking of leaving high stress job.
Replies: 54
Views: 4177

Re: WWYD? - advice needed. 41 yr old in VHCOL, FIRE? thinking of leaving high stress job.

God help us if you can't retire with 5M and less than a 2.0% withdrawal rate. I would throttle down to 60/40 and retired yesterday. Move to somewhere with a lower cost of living. Best of luck and congrats. YOLO.
by shiftleft
Tue Dec 10, 2019 9:16 pm
Forum: Personal Investments
Topic: Traditional IRA in Cash
Replies: 12
Views: 641

Re: Traditional IRA in Cash

I use a combination of BND (Total Bond Market) and BSV (Short-Term Bond).
by shiftleft
Wed Dec 04, 2019 7:40 pm
Forum: Personal Investments
Topic: Fidelity website issues
Replies: 17
Views: 891

Re: Fidelity website issues

oldcomputerguy wrote:
Wed Dec 04, 2019 10:16 am
For what it's worth, I get email alerts from Fidelity every morning giving me my account balances (so I can keep tabs on whether I've been hacked :shock: ), and this morning (around 7:00 AM) the totals in the emails were correct.
Where is this option?
by shiftleft
Tue Nov 12, 2019 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Selling house with no commissions,fair deal?
Replies: 38
Views: 1879

Re: Selling house with no commissions,fair deal?

If you sell the house to the father/daughter, I would definitely split the what the commission would be. Don't let them take all the benefits. Additionally, you can get agents in the bay area with 4% total commissions (2.5% to the buyer's agent/1.5% to the seller's agent). Some will even paint, do m...
by shiftleft
Sat Oct 26, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: 2.1% processing fee at California DMV
Replies: 31
Views: 2215

Re: 2.1% processing fee at California DMV

baconavocado wrote:
Sat Oct 26, 2019 2:58 pm
I haven't noticed this fee when I've renewed my registration online in the past.
This is new. The fee wasn’t there in the past.
by shiftleft
Sat Oct 19, 2019 12:44 am
Forum: Personal Consumer Issues
Topic: Photo Scanner (Recommendations Please)
Replies: 33
Views: 2316

Re: Photo Scanner (Recommendations Please)

The Espon flatbeds will scan multiple photos at a time. You just need to leave some room between them. Recommend you double check this with the model you are getting. My V600 does this. I can scan 4-6 average sized photos at a time.
by shiftleft
Thu Sep 19, 2019 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: IT compensation comparison
Replies: 269
Views: 27220

Re: IT compensation comparison

The 180K/year is actually low now, at least in the Bay Area. Personally know of recent graduates with 2 years experience making 240K/yr TC in the Bay Area. FANG of course. MSFT is actually one of the lower payers, but with better work life balance. There's a reason Bay Area housing is so much. The p...
by shiftleft
Mon Sep 16, 2019 7:06 pm
Forum: Personal Investments
Topic: Emp Stock Purchase vs 401k increase
Replies: 33
Views: 2395

Re: Emp Stock Purchase vs 401k increase

Have you calculated how much you would really save waiting the extra 18 months? For me, it worked out to something like $100 on a $10,000 contribution, so in my mind it was no brainer in my case to sell immediately. YMMV. Some say don't let the tax tail wag the dog. Just to clarify, the difference ...
by shiftleft
Mon Sep 16, 2019 3:42 pm
Forum: Personal Investments
Topic: Emp Stock Purchase vs 401k increase
Replies: 33
Views: 2395

Re: Emp Stock Purchase vs 401k increase

Have you calculated how much you would really save waiting the extra 18 months? For me, it worked out to something like $100 on a $10,000 contribution, so in my mind it was no brainer in my case to sell immediately. YMMV. Some say don't let the tax tail wag the dog.
by shiftleft
Fri Aug 30, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Security
Replies: 9
Views: 779

Re: Vanguard Security

Do you use a password manager? If you do, could that have been hacked?
by shiftleft
Fri Aug 30, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Security
Replies: 9
Views: 779

Re: Vanguard Security

Inadvertently know your password? I would probably login and change my password immediately.
by shiftleft
Thu Aug 08, 2019 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Deleted
Replies: 4
Views: 426

Re: California - tax consequences of buying property with a non-spouse

Regarding the tenants in common with a transfer on death, I believe you will get a stepped up basis on the dying persons share. Joint tenancy does not. Of course I'm not a lawyer so don't quote me on that.
by shiftleft
Thu Aug 08, 2019 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Deleted
Replies: 4
Views: 426

Re: California - tax consequences of buying property with a non-spouse

Depends on how it is titled. Tenants in Common vs Joint Tenancy. I believe tenants in common will go to probate and in joint tenancy it can be transferred to you without probate. I believe tenants in common gets a stepped up basis for the partner that passed away, but joint tenancy does not. Assumin...
by shiftleft
Mon Aug 05, 2019 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Penalty Free 529 Non-qualified withdrawal
Replies: 1
Views: 260

Penalty Free 529 Non-qualified withdrawal

Hello, I've been thinking of pulling money out of a 529. Not for any expenses, but for future spending flexibility. It seems that this past weeks worth of losses has brought my earnings portion of my 529 to lets just say 0. For a non-qualified withdrawal, I would normally pay a 10% penalty on any ga...
by shiftleft
Thu Jul 18, 2019 1:36 pm
Forum: Personal Investments
Topic: 2.5 million to invest for myself[35] and father[70]
Replies: 43
Views: 4284

Re: 2.5 million to invest for myself[35] and father[70]

My guess is that OP is Asian, and being Asian myself and knowing many Asians, it is very common to share money across generations. I would still keep it separated across accounts however due to tax laws, inheritance laws, liability, and such. Make sure both you and your father are adequately insured...
by shiftleft
Tue Jul 16, 2019 9:53 pm
Forum: Personal Consumer Issues
Topic: New Subaru Outback Engine Offering for 2020
Replies: 45
Views: 5269

Re: New Subaru Outback Engine Offering for 2020

You can get significant discounts for the 2019 version. My local Subaru is offering $7200 off the MSRP for the 3.6 Touring. Other variations are getting in the $6K range off MSRP.
by shiftleft
Wed Jul 10, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a rental property - taxes
Replies: 41
Views: 2568

Re: Selling a rental property - taxes

The 3 year period after moving out of the principal residence does not constitute "nonqualified use" therefore it does not diminish the amount of the available exclusion. Thanks for the clarification on this point. Looks like I missed this and was considering it "nonqualified use" in my previous po...
by shiftleft
Tue Jul 09, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a rental property - taxes
Replies: 41
Views: 2568

Re: Selling a rental property - taxes

I concur that the advice is bad as well. You need to read the tax laws. Just because you lived in the home 2 of 5 years doesn't mean you get the full 500K capital gain exclusion. The moment you rented it out, that number starts phasing down. You may not need an accountant, but I have been in this si...
by shiftleft
Mon Jul 08, 2019 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a rental property - taxes
Replies: 41
Views: 2568

Re: Selling a rental property - taxes

I believe you need to live there 2 of the last 5 years to be able to qualify for the capital gains exclusion, and it does phase out based on how long you had it as a rental. I wager it will be significantly less than the maximum 500K exclusion since you've rented for nearly 3 out of the last 5 years...
by shiftleft
Mon Jul 01, 2019 12:17 am
Forum: Personal Finance (Not Investing)
Topic: Siblings and Inherited Property
Replies: 53
Views: 6887

Re: Siblings and Inherited Property

Nothing tears a family apart like deciding how to split an inherited rental property. I've seen it many times and even between siblings that used to get along great with each other. Suggest you just sell the property and be rid of it. Parents that want to pass on their property to their children aft...
by shiftleft
Thu Jun 27, 2019 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Cancelling 24 Year Old Credit Card
Replies: 31
Views: 2950

Re: Cancelling 24 Year Old Credit Card

Just close it. A few years ago, I closed my oldest card of 20 years, along with paying off the mortgage and it barely made a dent to my credit score. Still sitting 815-830. I only have 2 cards open, of which I only use one regularly.
by shiftleft
Tue Jun 11, 2019 12:35 am
Forum: Investing - Theory, News & General
Topic: Will Dollar Cost Averaging Result in a Tax Preparation Nightmare?
Replies: 23
Views: 2486

Re: Will Dollar Cost Averaging Result in a Tax Preparation Nightmare?

If you’re starting now, the brokerage should automatically track cost basis for you. I believe there was a tax law change sometime earlier this decade that forced the brokerages to track this for you.
by shiftleft
Sun Apr 21, 2019 6:04 am
Forum: Personal Consumer Issues
Topic: DIY home security system
Replies: 23
Views: 2391

Re: DIY home security system

Tenesmus83 wrote:
Sat Apr 20, 2019 1:00 pm
Since my house has sensors pre-wired, I would really like to take over the control panel. Anyone have experience
doing the wiring of your own system? Then use wifi to self-monitor all of your sensors via your app.
I just did this. See my earlier response.
by shiftleft
Fri Apr 19, 2019 10:03 pm
Forum: Personal Consumer Issues
Topic: DIY home security system
Replies: 23
Views: 2391

Re: DIY home security system

If you are some what handy and technical, lookup ademco vista 20p along with EVL4. Just completed an install on a prewired home. It will text/email me with no continuous monthly cost. YouTube is super helpful on the panel install.
by shiftleft
Thu Apr 11, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: China travel
Replies: 25
Views: 2249

Re: China travel

Does anyone have a suggestion for a tour company that both myself (61 year old) and my son would feel comfortable on? I am not looking for a bargain basement price as I would like the trip to be comfortable and well organized. Thanks I took a trip to China a few years ago on ChinaSpree. www.chinasp...
by shiftleft
Mon Mar 11, 2019 6:44 pm
Forum: Personal Investments
Topic: What is best to sell - RSU (at vest), RSU (at gain), ESPP...
Replies: 10
Views: 949

Re: What is best to sell - RSU (at vest), RSU (at gain), ESPP...

I sell RSU at vest, as there should be little gains/losses, and it's as if you were buying the stock that day. Taxes are simple. The only problem is if there is a loss and various RSUs vest on different days, you may have some wash sales. RSUs behave like you are personally buying the shares. Taxes ...
by shiftleft
Fri Mar 08, 2019 3:01 am
Forum: Personal Investments
Topic: Waiting period between buying/selling ETF/MF?
Replies: 9
Views: 954

Re: Waiting period between buying/selling ETF/MF?

I know this question was for Schwab, but I tried this on Vanguard and wanted to report in case someone asks the question in the future. I wanted to exchange Vanguard Total Bond Mutual Fund shares into ETF shares. To do this, I placed an order to sell the MF shares. This executed at closing and the f...
by shiftleft
Sat Feb 23, 2019 1:20 am
Forum: Personal Investments
Topic: Waiting period between buying/selling ETF/MF?
Replies: 9
Views: 954

Re: Waiting period between buying/selling ETF/MF?

Would this depend on the brokerage as well? Assuming you’re asking about Vanguard.
by shiftleft
Fri Feb 22, 2019 2:35 pm
Forum: Investing - Theory, News & General
Topic: ?Admiral share availability in other brokerages?[Yes, after a few weeks they are now appearing at other brokerages.]
Replies: 45
Views: 8568

Re: ?Admiral share availability in other brokerages?[Yes, after a few weeks they are now appearing at other brokerages.]

It looks like VTSAX - Vanguard Total Stock Market Index Admiral Shares - is available at Fidelity for purchase now. I tried to place an other this morning and it was going to charge a $75 transaction fee and had a minimum $2500 limit. I currently have no VTSAX shares there. I cancelled before order ...
by shiftleft
Thu Feb 21, 2019 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Another t401k vs r401k scenario
Replies: 13
Views: 823

Re: Another t401k vs r401k scenario

I would say the first problem is it assumes you have the same amount in Roth and traditional. You should have more in traditional.
by shiftleft
Wed Feb 13, 2019 12:01 am
Forum: Personal Consumer Issues
Topic: Ever heard of dentists sedating toddlers to fill baby teeth cavities?
Replies: 28
Views: 2675

Re: Ever heard of dentists sedating toddlers to fill baby teeth cavities?

We avoided sedation because someone’s kid never woke up after treatment. Just did what we could until our kid got older and did normal treatment.
by shiftleft
Fri Feb 01, 2019 1:22 pm
Forum: Personal Investments
Topic: Making a 3.8 million deposit
Replies: 96
Views: 11415

Re: Making a 3.8 million deposit

Just wanted to offer another idea for a temporary spot to park your money while you're figuring out things. If you care about FDIC insurance and don't want to manage 15 different accounts\15 banks, you could open a Cash Management Account (CMA) at Fidelity. I believe they will automatically split th...
by shiftleft
Mon Oct 22, 2018 4:38 pm
Forum: Personal Investments
Topic: Should I sell or rent out my bay area house?
Replies: 27
Views: 3096

Re: Should I sell or rent out my bay area house?

Based on your post ... I would say rent it out. You have a good 3 years to decide if you'd like to sell or not without paying taxes on the sale. (to avoid paying tax on a sale you should have used the property as primary residence for 2 of the past 5 years). I believe you have up to a 250K (500K if...
by shiftleft
Thu Oct 11, 2018 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Yubikey questions
Replies: 20
Views: 4984

Re: Fidelity Yubikey questions

Still using the Symantec VIP app and a long password.
by shiftleft
Thu Oct 11, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: UPDATE Considering new Honda Pilot, other suggestions?
Replies: 39
Views: 3270

Re: Considering new Honda Pilot, other suggestions?

I've also been considering a new 2019 Pilot EX-L model. Here are some thoughts you may want to consider. 1. It uses a traditional 6 speed transmission (EX-L) as opposed to a CVT (Subaru Ascent) and relatively new 8-speed (Toyota Highlander/Sienna) . I'm more hesitant about CVT's and the newer 8 spee...
by shiftleft
Tue Feb 27, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Syncing Multiple Fidelity accounts to Symantec VIP app
Replies: 2
Views: 391

Re: Syncing Multiple Fidelity accounts to Symantec VIP app

Fidelity will not let you do this. What I did as a workaround was create 2 separate OS login's on my Mac, each with their own instance of Symantec VIP. A bit of a pain, but doesn't require 2 devices.
by shiftleft
Sun Feb 11, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Good companion card to Quicksilver?
Replies: 14
Views: 6642

Re: Good companion card to Quicksilver?

Citi DoubleCash. 2%
by shiftleft
Thu Jan 11, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: A half year at full pay or a full year at half pay?
Replies: 49
Views: 5664

Re: A half year off at full pay or a full year off at half pay?

If I was offered this, I would take the full year off in a heartbeat. YOLO. Your kids are only young once. Soon they'll be out of the house with their own lives. You can always make more money, but it's hard to make more time. No one wishes they worked more while on their death bed.
by shiftleft
Fri Jan 05, 2018 4:18 pm
Forum: Personal Investments
Topic: How fast can one sell their shares? Also questions about why NOT to try to time the market.
Replies: 7
Views: 731

Re: How fast can one sell their shares? Also questions about why NOT to try to time the market.

livesoft wrote:
Fri Jan 05, 2018 4:10 pm
If that happened, I would be asking: "How fast can I buy more more shares?"
Precisely. When the flash crash happened in 2010, I could not get into my "free" brokerage ML. Their servers were so overwhelmed. I was able to log into Fidelity however, but had no cash there :oops:
by shiftleft
Wed Jan 03, 2018 11:12 pm
Forum: Investing - Theory, News & General
Topic: Intel might take a hit
Replies: 38
Views: 4678

Re: Intel might take a hit

Might be a bigger problem now, since the CEO sold as many shares as he could at the end of November.
by shiftleft
Wed Jan 03, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: India tourist visa - possible to expedite?
Replies: 11
Views: 1339

Re: India tourist visa - possible to expedite?

Had a relative travel to India with a 10 year tourist visa applied for about 1-2 months before last fall. Seem to recall that it only took a week to get the visa mailed back so I suspect you have some hiccup. I remember the website was difficult to navigate and fill out. Some things didn't make sens...
by shiftleft
Tue Jan 02, 2018 5:22 pm
Forum: Personal Investments
Topic: How to Get Money Out of One's Investments for a Early Retiree
Replies: 24
Views: 2429

Re: How to Get Money Out of One's Investments for a Early Retiree

Hi Random Poster,

Thanks for posting this. Have you given much thought to what AA you would use going forward should you retire early? And if so, do you go more conservative in taxable and more aggressive in tax-advantaged accounts? What would your AA numbers be? Thanks.
by shiftleft
Mon Dec 18, 2017 9:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard vs Fidelity Total Stock Market Price Movement
Replies: 4
Views: 956

Vanguard vs Fidelity Total Stock Market Price Movement

I'm the owner of both Vanguard Total Stock Market (VTSAX) and Fidelity Total Stock Market (FSTVX) Funds. I noticed on Friday 12/15/2017 the Vanguard version was up approximately 1% while the Fidelity version was down approximately 1%. I would think that on any particular day both funds would move to...
by shiftleft
Mon Dec 11, 2017 3:30 pm
Forum: Personal Investments
Topic: How much international before exceeding $300 foreign tax credit
Replies: 6
Views: 1110

How much international before exceeding $300 foreign tax credit

Hi, I was wondering if anyone knew roughly how much VTIAX (Vanguard Total International Stock Index Fund) a single person would need to hold to exceed the yearly $300 foreign tax credit. Wondering for tax simplification purposes. Assume the amount of VTIAX was held the entire year. Is it about $125K...
by shiftleft
Tue Dec 05, 2017 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Lowering real estate agent costs when selling?
Replies: 34
Views: 3729

Re: Lowering real estate agent costs when selling?

Sold a home recently. Everything is negotiable. You can also negotiate other things into the package if the rate is too high (such as staging). Get competing offers. I would never pay 6% to sell a home. You can get 4%-5% fees for a 400K to 600K home in CA.
by shiftleft
Sun Dec 03, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Adjusting ROTH IRA contribution because of severance
Replies: 8
Views: 1237

Re: Adjusting ROTH IRA contribution because of severance

This happened to me as well this year. Fidelity has an IRA Return of Excess Contribution form you can fill out online and they will process it for you. It also has the option of calculating any gains you made on those contributions as you must take those out as well. You can chose to specify the gai...
by shiftleft
Sun Dec 03, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Closing Question: Property Tax Pre-paids
Replies: 10
Views: 924

Re: Mortgage Closing Question: Property Tax Pre-paids

Wouldn't it be better to ask your lender? On the other hand, I was happy to have my lender hold a little extra in the escrow account, because they were paying me a high interest than I could get anywhere. What lender is this? I haven't heard of any lender paying interest on escrow money. Lender was...
by shiftleft
Sat Dec 02, 2017 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Closing Question: Property Tax Pre-paids
Replies: 10
Views: 924

Re: Mortgage Closing Question: Property Tax Pre-paids

Wouldn't it be better to ask your lender? On the other hand, I was happy to have my lender hold a little extra in the escrow account, because they were paying me a high interest than I could get anywhere.
by shiftleft
Sat Dec 02, 2017 2:26 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Yubikey questions
Replies: 20
Views: 4984

Re: Fidelity Yubikey questions

I use the Symantec VIP client as 2 factor for my Fidelity account. You can have a VIP client on your cell phone, or computer, or a credit card sized device. They each have a different credential ID though, and as far as I know you can't duplicate one. So you can't have a backup device that generates...