Search found 393 matches

by integrity
Thu Sep 06, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: How much to spend on rent in high COL area?
Replies: 15
Views: 1537

Re: How much to spend on rent in high COL area?

We live in a VHCOL area. 2BR monthly rent is 1% of gross annual family income. So annual rent is 12% of gross,which is ok. Unfortunately to live in a VHCOL area, you really need a VHI (Very High Income). We have begun to think about relocating. Even though our income level is ok for this area, it al...
by integrity
Wed Aug 29, 2018 3:23 pm
Forum: Investing - Theory, News & General
Topic: Just put $100K into TUR. Analysis inside
Replies: 71
Views: 3233

Re: Just put $100K into TUR. Analysis inside

Interesting ideas. Fun to think about, but I'd never have the guts to trigger a trade like this. How much can you win, if you win? In the last decade, TUR has traded as high as $77. Right now its trading around $21. If it gets back to $77 then you've made a 3.67 multiple. Is that enough for this typ...
by integrity
Tue Jun 19, 2018 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Accounting for various forms of equity
Replies: 10
Views: 531

Re: Accounting for various forms of equity

Very helpful. Thanks!
by integrity
Tue Jun 19, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Accounting for various forms of equity
Replies: 10
Views: 531

Re: Accounting for various forms of equity

Use the Black Scholes formula. There are online calculators. You are going to need to estimate the volatility of the stock. One of the assumptions of Black Scholes is that they are not paying a divined and you can only exercise at expiration. I assume this is a intellectual exercise to give a ball ...
by integrity
Tue Jun 19, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Accounting for various forms of equity
Replies: 10
Views: 531

Re: Accounting for various forms of equity

Thanks stan1. They are a small percentage now, but they have the potential to be much bigger if the companies are successful. Basically like mini lottery tickets, which is really what shares in a private startup company are. However the likelihood these pay out are somewhat greater than actually win...
by integrity
Tue Jun 19, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Accounting for various forms of equity
Replies: 10
Views: 531

Re: Accounting for various forms of equity

AlohaJoe: so to summarize, any Options or Common in a private company should be recorded as $0 value? No, I can't sell or trade my Options. The reality is that for companies that I've left, I have no visibility as to the valuation anymore. For example, one of my former companies just raised a new ve...
by integrity
Tue Jun 19, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Accounting for various forms of equity
Replies: 10
Views: 531

Accounting for various forms of equity

Looking for guidance on how to account for different forms of equity. I have worked at quite a few startups over the years, and would like to record them correctly on my family's balance sheet (aka net worth calculation on an Excel workbook I have been maintaining). I have: Stock Options in the mone...
by integrity
Mon Jun 11, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Replacing total bond fund with municipal bond fund
Replies: 4
Views: 615

Re: Replacing total bond fund with municipal bond fund

Agree that more information would be needed to answer, but at a high level -- munis are working their "magic" when they are saving you on taxes. They might therefore be a smart choice in taxable accounts. I am lucky to live in a state with a Vanguard Muni fund, so I'm able to save state and federal ...
by integrity
Mon Jun 04, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1937
Views: 359062

Re: What are you up YTD? [Year To Date]

Up 0.94% YTD. Thought it would be worse. I was scared to look.
by integrity
Sun Apr 01, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: Maximizing airlines miles or rewards points
Replies: 6
Views: 1188

Re: Maximizing airlines miles or rewards points

That's great. Looks reasonably well updated. Thanks!
by integrity
Sun Apr 01, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Maximizing airlines miles or rewards points
Replies: 6
Views: 1188

Maximizing airlines miles or rewards points

I've caught the entrepreneurial bug again and am in the process of getting my company and a couple of co-founders set up with all our office IT and supply needs. All the purchases are segregated on company credit cards, but I've been thinking that sites like MileagePlus Shopping or Skymiles Shopping...
by integrity
Sat Feb 17, 2018 9:16 am
Forum: Investing - Theory, News & General
Topic: Frequency of rebalancing -- target date and balanced funds
Replies: 5
Views: 688

Re: Frequency of rebalancing -- target date and balanced funds

Mel Lindauer wrote:
Sun Feb 04, 2018 12:31 pm
^^^We were both posting at the same time, but came up with the same answer.
Thanks Mel!
by integrity
Sat Feb 17, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Selling Timber
Replies: 37
Views: 3259

Re: Selling Timber

I am absolutely fascinated by this thread (and I suppose I shouldn't be surprised that there are experts on this forum who know the answers). I would love to get some insight from others who have done this before. It has always been a fantasy of mine to buy a large remote plot of land, with a small ...
by integrity
Sun Feb 04, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Frequency of rebalancing -- target date and balanced funds
Replies: 5
Views: 688

Re: Frequency of rebalancing -- target date and balanced funds

Never mind here is the answer (albeit a fairly old one): viewtopic.php?t=75881

The answer appears to be "daily".

Hope this was helpful to someone at least :D
by integrity
Sun Feb 04, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: Frequency of rebalancing -- target date and balanced funds
Replies: 5
Views: 688

Frequency of rebalancing -- target date and balanced funds

Given the market chaos the last two weeks, I was wondering if anyone knew how frequently the target date (and similar) funds did their rebalancing? Can they take advantage of short-term volatility?
by integrity
Thu Feb 01, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Tax Software - Turbotax Deluxe $39.86 Amazon
Replies: 15
Views: 1430

Re: Tax Software - Turbotax Deluxe $39.86 Amazon

I bought TurboTax Deluxe from Amazon.
Just be careful that you buy the one that includes 1 state. It's $10 more than the Federal alone. Otherwise you will have to buy the state separately from within the program, which I think would cost $40.
by integrity
Thu Jan 18, 2018 4:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard US Investment Options Minus Top 10?
Replies: 20
Views: 1625

Re: Vanguard US Investment Options Minus Top 10?

Buy total stock market and short those stocks?
by integrity
Thu Jan 18, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Are ETFs Really That Safe?
Replies: 29
Views: 3612

Re: Are ETFs Really That Safe?

I guess it would depend on what stocks are held in the ETF. I currently hold VTI in my taxable account. This is Vanguard's Total Stock Market ETF. I feel pretty good about it. Here's another ETF: SLVP http://www.etf.com/SLVP. This one tracks companies that earn their revenue from silver mining. Pret...
by integrity
Tue Jan 16, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Withholding Tables
Replies: 88
Views: 12863

Re: 2018 Withholding Tables

https://www.irs.gov/individuals/irs-withholding-calculator Due to the tax law changes signed into law on December 22, 2017, the IRS withholding calculator is currently unavailable. ‎The IRS will update the calculator as soon as updated withholding information is available. Just keep hitting F5 I gue...
by integrity
Fri Jan 12, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: 2017 Callan Periodic Table of Investment Returns
Replies: 35
Views: 5633

Callan Table through 2017

[merged integrity's post into this existing thread - moderator prudent] Sorry if this was posted already and I missed it. Another January brings another updated Callan table. https://www.callan.com/periodic-table-investments/ Two consecutive years now with all indices giving positive returns. So mu...
by integrity
Wed Jan 10, 2018 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: MA 529
Replies: 3
Views: 330

Re: MA 529

Thank you for the helpful replies!
by integrity
Wed Jan 10, 2018 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: MA 529
Replies: 3
Views: 330

MA 529

Dumb question. I have been contributing to the Vanguard 529 plan on autopilot since my daughter was born in 2013. I think Vanguard has the NV plan. I recently came across this: https://www.savingforcollege.com/articles/massachusetts-to-offer-529-state-tax-deduction Of course, I'm a year behind on th...
by integrity
Thu Nov 09, 2017 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 31907

Re: How old are you and how much do you save for retirement a year

29, $81,700 savings per year Traditional 401k - $21,000 (including company match) Roth IRA - $5,500 Taxable - $55,200 ($2,300 bi-monthly) That said I’m not actually sure I’ll use all of the taxable savings for retirement. I might use it to buy a home at some point. If your income is low enough to q...
by integrity
Fri Nov 03, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep the Condo or rent to Canadians?
Replies: 12
Views: 1629

Re: Should I keep the Condo or rent to Canadians?

djpeteski wrote:
Fri Nov 03, 2017 7:31 am
I'd really like to rent to the Canadians. They tend to be high income, and just very desirable renters for many reasons.
As a Canadian (albeit one who has never been a snowbird), I am pleased to hear that you find them desirable for many reasons :beer
by integrity
Wed Oct 18, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 3025

Re: Credit scores fell this month a lot for no reason

Well: https://www.frugaltravelguy.com/2014/05/dont-stop-when-your-credit-score-hits-760.html I'm not saying frugaltravelguy is a reliable source, I'm just saying that if you Google, you find a wide variety of conflicting information. This is an honest question. I'd love to have an authoritative sour...
by integrity
Wed Oct 18, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 3025

Re: Credit scores fell this month a lot for no reason

Gronnie wrote:
Wed Oct 18, 2017 12:47 pm
3. Anything over 760 doesn't matter anyway
Out of curiosity what is the evidence for this?
by integrity
Wed Oct 18, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Savings - Is it enough?
Replies: 38
Views: 4733

Re: 529 Savings - Is it enough?

Do I have a fancy model to tell that it will be ok? No. Here's a fancy model that will tell you it will be OK. You even get to pick the school. https://www.oppenheimerfunds.com/investors/article/college-planning-calculators Sorry, It won't let me link directly to the calculator. Click on the "educa...
by integrity
Mon Oct 16, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: 529 Savings - Is it enough?
Replies: 38
Views: 4733

Re: 529 Savings - Is it enough?

I'm in the exact same boat as you (40K in the 529 with a 4 year old). I am also contributing $1K per month. This is the maximum I can afford to contribute so it's a moot point to think about more. Will end up with about $200K in contributions, plus hopefully some capital gains, by the time college s...
by integrity
Wed Oct 11, 2017 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with a down payment nest egg?
Replies: 15
Views: 2146

Re: What to do with a down payment nest egg?

We have our house downpayment sitting in a state muni fund for our state of residence. If you are in one of the top tax brackets, the tax-avoidance benefits for both state and federal can substantially improve the net return. We have about a 3-4 year time horizon for buying a house, so we felt it wa...
by integrity
Wed Sep 13, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 32648

Re: Iphone X is $1000

Here are the new prices of all iPhones.
https://www.theverge.com/circuitbreaker ... ifferences

What I don't know is whether the Apple Stores will continue offering their recycling buyback discounts when you bring in your old iPhone.
by integrity
Mon Aug 28, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: Buying fish (salmon) in Northeast?
Replies: 37
Views: 2685

Re: Buying fish (salmon) in Northeast?

Based on this thread it sounds like I can find many of my fellow Bostonian Bogleheads in the fish section at Costco...I'll have to keep that in mind next time i go! :D
by integrity
Mon Jun 19, 2017 10:28 pm
Forum: Personal Consumer Issues
Topic: Part-time computer science graduate schools in Boston area?
Replies: 26
Views: 3356

Re: Part-time computer science graduate schools in Boston area?

Does MIT have a program?
At least they have OCW (Open Courseware) so you could learn the material, albeit without getting the piece of paper.
by integrity
Mon Jun 19, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: Trying to save money on prescription drug
Replies: 28
Views: 2554

Re: Trying to save money on prescription drug

You may wish to ask your doctor about using a nebulizer rather than an inhaler. Albuterol is available in generic form for nebulizer. https://www.accessdata.fda.gov/scripts/cder/ob/search_product.cfm (type "albuterol" into the search bar). As others have mentioned, it is really frustrating that no i...
by integrity
Thu Apr 20, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: How to reduce my income tax
Replies: 31
Views: 3691

Re: How to reduce my income tax

IADFlyer: I'm impressed with the way you've reduced your taxes already. Would you mind sharing any additional thoughts on how you reduced a gross income of 252K to an AGI of 200K and a taxable amount of 151K? My Married-Filing-Jointly family had a similar gross income, but we paid a lot more tax. Th...
by integrity
Thu Apr 06, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: Nespresso capsules
Replies: 39
Views: 5721

Re: Nespresso capsules

I ordered a pack of the Hiline coffee pods for Nespresso just to try it out. It arrived yesterday and I pulled my first shot this morning. I have to say, I was really disappointed. While the Nespresso coffee tastes full and flavorful, creamy and potent, the Hiline pod simply tasted like...2oz of a B...
by integrity
Tue Mar 21, 2017 3:32 pm
Forum: Investing - Theory, News & General
Topic: Why do people invest in Long Term Bonds now?
Replies: 51
Views: 9139

Re: Why do people invest in Long Term Bonds now?

Replying to this thread after about 9 months of dormancy. I'm interested to know what people think now that we're officially in an interest rate rising (slowly) environment again. I have all my fixed income allocated to short-term bonds for many years, to preserve value. That has been fine, I suppos...
by integrity
Sat Mar 18, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Director's Fees from foreign country
Replies: 1
Views: 345

Re: Director's Fees from foreign country

Posted this a month ago and thought it was worth a bump to see if there are any tax experts out there regarding directors fees from a foreign country. Thanks.
by integrity
Mon Feb 27, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on Time shares
Replies: 123
Views: 11600

Re: BH thoughts on Time shares

Watch "The Queen of Versailles" documentary from a few years back, about David and jackie Siegel. David Siegel founded Westgate Resorts, the world's largest time share company. You may feel less excited about timeshares when you're through.

:beer
by integrity
Wed Feb 22, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Director's Fees from foreign country
Replies: 1
Views: 345

Director's Fees from foreign country

Trying to figure out a tax situation for 2017 and would appreciate some help. I recently joined the Board of a company based in Ireland, and will receive a nominal Director's Fee for my services. There will be taxes withheld by Ireland, and what I'm trying to understand is whether there is a tax tre...
by integrity
Wed Feb 22, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Millionaire
Replies: 65
Views: 9869

Re: New Boglehead Millionaire

Huge congratulations. I also got my act together and started investing seriously in 2009. In hindsight this turned out to be a very lucky time to get started, and those of us who did have really only known a world where equities had positive returns. We need to be careful going forward to remind our...
by integrity
Fri Feb 17, 2017 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Minibonds through the Neighborly platform -- Cambridge, MA
Replies: 8
Views: 1208

Re: Minibonds through the Neighborly platform -- Cambridge, MA

I think my initial hypothesis was correct -- they are expecting people will take a discount because it's their local community. I'll also be watching to see if they sell out. I think other state and local munis pay in the neighborhood of 5%. So I am really scratching my head on this one.
by integrity
Fri Feb 17, 2017 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 199
Views: 35826

Re: Two Comma Club

According to the Europeans, I was in the one comma club from my first dollar.
Hey, I just paid 12,50 for lunch today!
by integrity
Fri Feb 17, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Minibonds through the Neighborly platform -- Cambridge, MA
Replies: 8
Views: 1208

Re: Minibonds through the Neighborly platform -- Cambridge, MA

Following up on my initial posting from a couple of weeks ago, the bonds have been agency-rated and the coupon has been set...at a paltry 1.6% YTM. https://neighborly.com/issuance/cambridge/investment-options Welp, no thanks. This is for something that matures in 2022. :shock: :shock: On the plus si...
by integrity
Fri Jan 27, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Minibonds through the Neighborly platform -- Cambridge, MA
Replies: 8
Views: 1208

Minibonds through the Neighborly platform -- Cambridge, MA

The city of Cambridge, Massachusetts (home to Harvard and MIT among many other things) is issuing munis to its locals. They are denominated in $1000 units and will pay coupons semi-annually. They will come due in 5 years. You must be a resident of Cambridge to purchase the bonds. Each resident can b...
by integrity
Fri Sep 09, 2016 2:44 pm
Forum: Personal Consumer Issues
Topic: map frustration
Replies: 76
Views: 6084

Re: map frustration

Everyone does have a GPS now. It is called the smartphone. I have not printed out directions in 5 years at least. Even the international roaming packages now are so cheap that I have avoided needed to print out directions when traveling. Certainly nothing wrong with printing directions but unfortuna...
by integrity
Wed Sep 07, 2016 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Bonds vs CDs in current low interest environment (CAD)
Replies: 11
Views: 2195

Re: Bonds vs CDs in current low interest environment (CAD)

Valuethinker: as a Canadian expat (who hasn't paid too much attention to what's been happening in my home country), thanks for catching me up!

:D :D
by integrity
Tue Aug 02, 2016 1:47 pm
Forum: Personal Consumer Issues
Topic: AT&T cell usage in Canada
Replies: 26
Views: 2552

Re: AT&T cell usage in Canada

Wanted to say a big thanks to jerryd and others -- I just had AT&T add the Canadian Roaming Bonus to my shared account with my wife. They simply added it with no objections. We each get 1GB of data per billing cycle, plus have unlimited talk and text. This will save us several hundred dollars per ye...
by integrity
Tue Jul 19, 2016 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2055 Fund - Rate of return 2%!
Replies: 25
Views: 5897

Re: Vanguard Target Retirement 2055 Fund - Rate of return 2%!

To partially summarize some of the other responses here...at this early stage, your rate of savings is what will dominate the total balance. The best way for you to grow your balance is to save more. Over time, the daily fluctuations based on the return of the fund will play a larger role, but that ...
by integrity
Tue Jul 12, 2016 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to sell $250 face value 90% junk silver dimes?
Replies: 31
Views: 3898

Re: Best way to sell $250 face value 90% junk silver dimes?

Was not aware that there was such interest in holding these alternative, physical asset classes. I have never considered anything like this, myself. I don't even have a safety deposit box.
by integrity
Tue Jul 12, 2016 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to sell $250 face value 90% junk silver dimes?
Replies: 31
Views: 3898

Re: Best way to sell $250 face value 90% junk silver dimes?

Wow this is a thread I never expected to see on Bogleheads...
:oops: :shock: