Bogleheads.org

First stock/fund that I purchased. Still a sentimental favorite

Won’t know until March but I’m honestly just happy to have a job. I’m mostly compensated in stock, and our ticker has swung more than 7X from the lowest to highest point this year so it’s been quite an emotional roller coaster. I really hope for much less volatility next year but I suspect that wish...

I had an X3 of the previous generation (F25) for a few years and liked it a lot. Spring for the bigger engine if you can. It’s not just about the speed or power specs. It just feels a lot better, even when you’re not pushing it. For me it was a great balance of sportiness, efficiency, refinement, co...

Hi everyone, I hope I’m posting this in the correct area. First I want to thank everyone for sharing so much knowledge, I’ve learned a lot from reading on these forums but as I read through the posts I’m always amazed at how much some of people on this forum make for a living. I’ve seen many making...

In my industry, it’s a generally accepted practice that once someone has decided to leave, they set aside grievances, and spend their last weeks helping their team transition. This is because the world is small, and doing anything else can really stain one’s reputation. And that reputation is much m...

Figured I'd check to see what Consumer Reports says about this: "The Tesla's ride is too stiff and very choppy. Bumps and ruts hit hard, making passengers feel every road imperfection, and the ride motions are short and quick, which makes the car feel nervous." This hits it on the head. I...

Figured I'd check to see what Consumer Reports says about this: "The Tesla's ride is too stiff and very choppy. Bumps and ruts hit hard, making passengers feel every road imperfection, and the ride motions are short and quick, which makes the car feel nervous." This hits it on the head. T...

I also had a seamless selling experience to Carvana. I wasn't actually trying to sell my car but heard through other forums that they were making crazy offers, which turned out to be true. I will say though that they barely inspected my car. I probably wouldn't buy from Carvana, unless I was willing...

Figured I'd check to see what Consumer Reports says about this:

"The Tesla's ride is too stiff and very choppy. Bumps and ruts hit hard, making passengers feel every road imperfection, and the ride motions are short and quick, which makes the car feel nervous."

This hits it on the head.

Of note, Tesla itself says that the Model Y ride is more harsh with just one person in it, and improves when multiple people are inside. So if you are going to be the sole passenger most of the time, be sure you drive it alone rather than bringing your entire family along on the test drive so you c...

I was set on a Model Y. I even put in a $100 order fee a few weeks ago. An EV suits my situation very well. I unexpectedly had a free day to do a test drive. When I got into the car I loved everything. The driving position is great, and my expectations regarding build quality were set appropriately ...

I hold zero vested stock in my company. I've been selling it as it vests.

smitcat wrote: ↑Tue Jun 16, 2020 4:10 pm RSU's are taxable when?

I don't actually follow the logic of this sub-thread anymore, but to try to answer your question, in my case 53% of the RSUs that vest is withheld by my company for taxes, under a "sell to cover" approach.

I'm doing backdoor and megabackdoor roths while earning more than OP. The laziness has nothing to do with income which we have no delusions of being anything special, especially in our area. It was just a bad habit that became the norm over a few years as we got busy. I've just committed to fixing ...

150k at a 4% withdrawal rate is 3.75M. Let’s just round up to $4M. Forgot to respond to this point - I don't think a 4% withdrawal rate can be used as an FI gauge in one's 40s or 50s? I don't know what the right number is, but 4% seems too high. But your $150k includes $40k in daycare? That will go...

150k at a 4% withdrawal rate is 3.75M. Let’s just round up to $4M. After you sell the house you’ll be at 3.4M in liquid assets. You save 300k per year? 400k? Net net, you’ll be financially independent way before 55. How about 40? If my children are lucky enough to get into college, I would like to ...

I could use some help evaluating my situation, and hopefully coming up with an IPS. I have specific questions, but for now I'd rather leave this open-ended so I can get raw feedback. Thanks! Objectives Financial independence by 55 to have the freedom to decide whether to keep working. Pay for our 2 ...

Check with your agent, but in general I would not do upgrades like countertops or shower especially in San Jose. Is this an entry, mid-level, or high valued house for the market? If entry or mid-value with what you describe I would remove all dated window coverings, paint walls off white, and repla...

We own a house in California (San Jose) that was being rented out up until a month ago. We now want to sell the house. Actually we wanted to sell the house years ago, but emotional attachment led us to rent it out when we moved out of it. Now we've realized that we hate being landlords. We didn't ru...

In case anyone is interested, this process went as expected. I spent a lot of time reviewing the contract before signing (surprisingly an auto lease contract is not that bad to read through) and the early purchase option is pretty clearly described. The "Buyout Quote" is now available onli...

How much will be the total cost to you when you buyout the lease now? Sum of what you have already paid and what you have to pay. What will be the best price you can get the same car for? Since the car is essentially new, assume you are buying a new car. No long explanation, just give a number. I w...

The reason I would buy out the lease immediately is to avoid the substantial rent (interest) charge that would be paid as part of each monthly payment. The base effective rate, which I'm getting, that the manufacturer has set for anyone availing of this incentive is 6.7% (0.00187). If I were to take...

It's not quite $7k because of ~$300 in buyout fees plus a $650 "lease acquisition fee". So the true savings is probably about $6k. But then you have to factor in the time it will take to do the buy out. It's probably worth it though. But I'm a big believer in the "there's no free lunc...

I saved up cash to purchase a vehicle, but now that I'm actually about to do it, my research (i.e. online forums) suggests that the best way is to take advantage of the large lease incentive being offered, and then immediately "buy out" the lease. There will be some early termination fees,...

This being my first post, I wanted to preface by saying that I'm a long-time reader, and pass along my thanks to the community for all the knowledge I've gained. Unfortunately I think I've done something dumb: I recently paid estimated taxes for the 2018 tax year (1040ES) because of a one-time windf...