Search found 24 matches

by shiftleft
Mon Oct 22, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell or rent out my bay area house?
Replies: 27
Views: 2781

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: 3216

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: 35
Views: 2018

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: 305

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: 2889

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: 5358

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: Investing - Help with Personal Investments
Topic: How fast can one sell their shares? Also questions about why NOT to try to time the market.
Replies: 7
Views: 679

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: 4473

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: 1233

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: Investing - Help with Personal Investments
Topic: How to Get Money Out of One's Investments for a Early Retiree
Replies: 24
Views: 2327

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: 906

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: Investing - Help with Personal Investments
Topic: How much international before exceeding $300 foreign tax credit
Replies: 6
Views: 856

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: 3321

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: 1110

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: 886

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: 886

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: 3216

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...
by shiftleft
Mon May 08, 2017 2:49 am
Forum: Investing - Help with Personal Investments
Topic: Solid justification for including all stocks & NO bonds?
Replies: 143
Views: 9848

Re: Solid justification for including all stocks & NO bonds?

Hi OP, I'm in a similar situation as you, just a little tad older (40), and more human capital (low 6 figures/yr). I've been through 2 market crashes in my adult life. I can tell you it's very hard to do the right thing (buy more) in a market crash. In the first I sold everything, although I didn't ...
by shiftleft
Fri Apr 28, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: Help with computer from IT folk
Replies: 35
Views: 3467

Re: Help with computer from IT folk

Maybe a proxy has been setup for work? Your web browser would then try to access the internet via the proxy, but that doesn't exist on your home network. That would be my first guess. Are you getting an IP address assigned on your home network? Open a command prompt (Start -> Run. Type "cmd" and pre...
by shiftleft
Thu Mar 23, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need title insurance?
Replies: 43
Views: 4649

Re: Do I need title insurance?

I would say yes, and get it from a reputable company. I had a friend that was selling their house, and used some chop shop title company. The title company recorded the transaction at county and changed the title to the buyer prior to receiving the full funds! The money never came and the buyer skip...
by shiftleft
Thu Mar 23, 2017 12:24 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard keeps saying my e-mail address doesn't work
Replies: 10
Views: 1170

Re: Vanguard keeps saying my e-mail address doesn't work

Is your gmail full or near full? Something like this was happening to a friend of mine and I found out their gmail was full and thus rejecting any new incoming mail.
by shiftleft
Fri Mar 10, 2017 1:28 am
Forum: Personal Consumer Issues
Topic: Securing my securities -- IT best practices?
Replies: 23
Views: 2667

Re: Securing my securities -- IT best practices?

One thing I do is use a dedicated computer for online financial activities. Do nothing else on this computer. No internet surfing. No email. Clean install of the OS and Firmware.
by shiftleft
Thu Mar 02, 2017 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review: Newbie w/ $2.8M
Replies: 58
Views: 7659

Re: Portfolio Review: Newbie w/ $2.8M

Hello WaterDog, Sorry for your loss. Some things to consider. You have enough money to never need to work again. There's no need to be so aggessive with your asset allocation. I echo the same feelings as drummerboy that you should carry a larger portion of bonds. Personally if my assets where just e...