Search found 3985 matches

by mhc
Tue Nov 12, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Donating RSUs and Options from StockPlan Connect
Replies: 3
Views: 77

Re: Donating RSUs and Options from StockPlan Connect

2. Yes In general, how you came about the shares (RSU, Options, buy in a taxable account) has nothing to do with donating them. Once you get the shares, there is a cost basis and acquistion date. Once the shares have long term cap gains, then there is a double tax benefit in donating them. If you ar...
by mhc
Tue Nov 12, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Donating RSUs and Options from StockPlan Connect
Replies: 3
Views: 77

Re: Donating RSUs and Options from StockPlan Connect

Once the RSUs vest or you exercise the Options, you will have shares of stock. You can donate those shares if you like. Vest/exercise of RSU/Options have nothing to do with donating. Donating shares is of greatest tax value when you can itemize the donation and the shares have long term cap gains. I...
by mhc
Tue Nov 12, 2019 9:35 am
Forum: Personal Investments
Topic: ESPP with short holding period - worth participating?
Replies: 3
Views: 258

Re: ESPP with short holding period - worth participating?

I would do it. The holding period introduces a little risk, but things will likely average out. If your company tanks, your ESPP for that quarter will probably be the least of your worries.
by mhc
Fri Nov 01, 2019 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Why is money such a taboo topic?
Replies: 12
Views: 1145

Re: Why is money such a taboo topic?

Too many people tie their personal worth and/or identity to money. This leads to negative feelings and/or actions. A lot of people try to avoid uncomfortable situations, so a lot of people avoid discussing money. Also, a lot of people feel they have more interesting things to discuss outside of money.
by mhc
Wed Oct 30, 2019 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: How should I cancel my business cell phone?
Replies: 19
Views: 995

Re: How should I cancel my business cell phone?

google voice is free and you can keep it as long as you occassionaly use I believe
by mhc
Tue Oct 29, 2019 9:25 am
Forum: Personal Investments
Topic: [Employer Retirement Plan Change]
Replies: 49
Views: 4370

Re: No more Vanguard... wow

I have fidelity at work. We have no fidelity funds. fidelity does a fine job managing everything. the quality of the funds is up to your employer.
by mhc
Fri Oct 18, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: Hiring an Interior Decorator
Replies: 25
Views: 2220

Re: Hiring an Interior Decorator

I would not give the person my cc number, but if I did, I would create a temporary card number with a dollar limit and expiration date (whatever your cc company allows for creating throw away card numbers).
by mhc
Fri Oct 11, 2019 12:25 pm
Forum: Personal Investments
Topic: How to TLH from VTIAX to IXUS on VG website?
Replies: 13
Views: 821

Re: How to trade VTIAX to IXUS on VG website?

If you want to do an exchange to stay in the market, then use VFWAX.

If you are not selling all your VTIAX, then I would wait.
by mhc
Fri Oct 11, 2019 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 92
Views: 7159

Re: Vanguard keeps pushing their financial advisors...why?

If you are not interested, then ignore it and move on.

I ignore advertisement all the time. I figured everyone does that. Advertisement is everywhere.
by mhc
Thu Oct 10, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Overland brand slippers for cold feet?
Replies: 17
Views: 1293

Re: Overland brand sleepers for cold feet?

I let her wear my light weight running stocking cap. Keeping the head warm increases blood flow to the rest of the body. That's a long-held myth. When it comes to loss of body heat or circulation, there is nothing special about the head (compared to any other body part). It's a myth that if you kee...
by mhc
Thu Oct 10, 2019 2:26 pm
Forum: Personal Consumer Issues
Topic: Overland brand slippers for cold feet?
Replies: 17
Views: 1293

Re: Overland brand sleepers for cold feet?

My wife's feet and legs get cold at night. I let her wear my light weight running stocking cap. Keeping the head warm increases blood flow to the rest of the body.
by mhc
Thu Oct 10, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: Neighbor filming a TV Show
Replies: 71
Views: 3843

Re: Neighbor filming a TV Show

I was thinking that you should rent a uhaul and park it in front of his house before the film crew gets there. It could give you some leverage.
by mhc
Wed Oct 09, 2019 2:19 pm
Forum: Investing - Theory, News & General
Topic: Artificial Intelligence and the stock market
Replies: 65
Views: 6500

Re: Artificial Intelligence and the stock market

I read your question differently from how the others have responded.

If AI is an advancement, then I would think it would help the stock market. Businesses will become more efficient.
I know this is a simplistic view, but I think AI should be good for the market.
by mhc
Tue Oct 08, 2019 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Hillarious insight on having $5 Million
Replies: 14
Views: 3989

Re: Hillarious insight on having $5 Million

sad that some think that way.
true that some think that way.
not true for me. i would be happy to retire with that much.
by mhc
Wed Oct 02, 2019 9:31 am
Forum: Investing - Theory, News & General
Topic: If you use Vanguard (Brokerage), why do you stay?
Replies: 58
Views: 6643

Re: If you use Vanguard (Brokerage), why do you stay?

Here is why I stay: 1. I like their website. It is so easy to use. 2. I like their low cost index funds. 3. It links well to Vanguard Charitable. 4. Inertia. (taxable brokerage, 2 IRA, 2 Roth, 3 Coverdell, 3 529) 5. I like their ownership structure. Why I might change: 1. Inertia will go down once k...
by mhc
Wed Sep 25, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard frequent trading: help understand
Replies: 21
Views: 1223

Re: Vanguard frequent trading: help understand

OP,

good job. You found it.
by mhc
Wed Sep 25, 2019 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard frequent trading: help understand
Replies: 21
Views: 1223

Re: Vanguard frequent trading: help understand

I do not believe ETFs have the same restriction because they are structured differently. The frequent trading policy does not keep you from buying more MF shares. It only locks you out of certain methods of buying the shares. Just use one of the methods still allowed. Hmm, it does look like it prev...
by mhc
Wed Sep 25, 2019 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard frequent trading: help understand
Replies: 21
Views: 1223

Re: Vanguard frequent trading: help understand

I do not believe ETFs have the same restriction because they are structured differently.

The frequent trading policy does not keep you from buying more MF shares. It only locks you out of certain methods of buying the shares. Just use one of the methods still allowed.
by mhc
Wed Sep 25, 2019 9:04 am
Forum: Personal Investments
Topic: VTIAX v VFWAX
Replies: 4
Views: 411

Re: VTIAX v VFWAX

I would start with VTIAX. If you need to TLH, then exchange to VFWAX. They are both good funds.
by mhc
Tue Sep 24, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: Best website to see what deals people have been getting on new car purchases.
Replies: 15
Views: 1793

Re: Best website to see what deals people have been getting on new car purchases.

Use the honda user forums where people list the price paid. I bought a Civic last month and an Odyssey last year. I found sites like KBB, cargurus, trucar, costco, ..., to be pretty useless if you want the best price. The forum tells you what people are paying. I have been able to match the lowest p...
by mhc
Mon Sep 23, 2019 2:16 pm
Forum: Personal Investments
Topic: My stock options are expiring soon!
Replies: 21
Views: 1828

Re: My stock options are expiring soon!

I'm not following how you avoid the tax bomb. As soon as you exercise (cashless or sell to cover), the difference between the FMV and option price times number of shares will count as wages. What you do with the shares after you exercise does not change the income number. It is wages. If you can pus...
by mhc
Mon Sep 23, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: Minimum Wage for Restaurant Waitstaff. Whether/How Much to Tip?
Replies: 7
Views: 905

Re: Minimum Wage for Restaurant Waitstaff. Whether/How Much to Tip?

There are definitely other ways to express pleasure/displeasure:

1. verbally
2. choose to return or not (vote with $$)
3. online reviews

I use all of the above.

I have no plans to stop tipping. As wages go up, I may decrease the tip percentage, but I have not done that yet.
by mhc
Fri Sep 20, 2019 4:14 pm
Forum: Personal Consumer Issues
Topic: Looking at a new (used) car!
Replies: 15
Views: 1430

Re: Looking at a new (used) car!

seems like for $5k more, maybe less, you could get a brand new 2019 CR-V. I would be more inclined to go that route. The 2019 models are going to be getting cheaper every day. The 2020s will be out soon.
by mhc
Tue Sep 17, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: Vacation ideas for February
Replies: 48
Views: 3913

Re: Vacation ideas for February

Anywhere in the tropics or further south.

I usually don't travel in February, but I honeymooned in French Polynesia in February. It was amazing.
by mhc
Mon Sep 16, 2019 10:24 am
Forum: Investing - Theory, News & General
Topic: Bogleheads, how are your three fund portfolios doing?
Replies: 45
Views: 4802

Re: Bogleheads, how are your three fund portfolios doing?

It's following the market.

If you want numbers, you can look it up yourself. After all, it's a 3 fund portfolio.
by mhc
Mon Sep 16, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Butcher Box
Replies: 14
Views: 2291

Re: Butcher Box

I can get a quarter grass fed steer for about $5/lb. Buying a quarter may not work for all, but it is a lot cheaper than butcher box. It also requires you to have a deep freeze. I have a friend at work who works out the deal. If you can find a rancher who raises quality beef and a good packing plant...
by mhc
Fri Sep 13, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Whistleblowing / Going Rogue at Work
Replies: 122
Views: 6403

Re: Whistleblowing / Going Rogue at Work

You jumped the chain of command.

You most likely violated company security policies by discussing work from a private email address.

You come across as not knowing norms.

You are complaining about others.

You appear to be toxic.

You should be fired.
by mhc
Fri Sep 13, 2019 8:26 am
Forum: Personal Investments
Topic: Big swing in ROI, very volatile
Replies: 13
Views: 748

Re: Big swing in ROI, very volatile

The arithmetic mean can be misleading. The geometric mean is more usefull when compounding is involved.
by mhc
Thu Sep 12, 2019 8:56 am
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship Services -- Another One Bites the Dust
Replies: 51
Views: 8620

Re: Vanguard Flagship Services -- Another One Bites the Dust

Doesn't bother me. I have no idea why I would use them. Seems like I can find everything I need on the internet, for example, this forum. This seems to be the general trend. Companies are relying on outside sources to provide their customer support. 2 weeks ago I purchased a new car. The owner's man...
by mhc
Thu Sep 12, 2019 8:43 am
Forum: Personal Consumer Issues
Topic: 2019 Costco HVAC services: Good deal/issues?
Replies: 20
Views: 2376

Re: 2019 Costco HVAC services: Good deal/issues?

I have never tried them for HVAC, but I have looked at their offers for rental cars, travel, and new cars. I was able to do better by not using Costco. Costco has their fingers in a lot of things, but I do not find them to be competitive in many areas. I would ask friends, family, co-workers, and ne...
by mhc
Wed Sep 11, 2019 4:01 pm
Forum: Investing - Theory, News & General
Topic: “Beating” the market with i bonds
Replies: 30
Views: 3978

Re: “Beating” the market with i bonds

Ibonds are not worth my effort. They may be fine for some, but not usefull for others.
by mhc
Wed Sep 11, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 9368

Re: How old is your cellphone?

Galaxy S10+ March 2019. Love it. I'll probably get a new phone in a couple of years. Need a good phone to play games, watch videos, listen to music, take photos and videos, ....
by mhc
Tue Sep 10, 2019 3:19 pm
Forum: Personal Investments
Topic: Tool to manage AA when investing?
Replies: 24
Views: 1524

Re: Tool to manage AA when investing?

I know you said you wanted to avoid excel, but I also use excel. One Christmas break I sat down in front of the TV with my laptop and created a spreadsheet to manage my AA. I have been using the same spreadsheet for years now. I just manually enter my holdings, and the spreadsheet tells me what to do.
by mhc
Fri Sep 06, 2019 9:49 am
Forum: Personal Investments
Topic: Best way to sell multiple funds
Replies: 14
Views: 1278

Re: Best way to sell multiple funds

I agree with Silk. Yes, you could do it over the phone. Although, I recommend that you learn how to do it yourself through the website. It is really easy. If you have difficulty with the website, Vanguard should be able to talk you through it. The general method for going from 1 fund to another is c...
by mhc
Fri Sep 06, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: Xfinity Mobile Questions
Replies: 13
Views: 1270

Re: Xfinity Mobile Questions

I know several people that have switched from Verizon to Xfinity, and they saw no change.

You should try to find people in your area to see how the service is in your area.
by mhc
Thu Sep 05, 2019 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners insurance -- agent trying to steer me to low deductible vs high?
Replies: 26
Views: 1384

Re: Homeowners insurance -- agent trying to steer me to low deductible vs high?

Your thinking is correct for you. The agent's thinking may be correct for most costumers. You have to decide for yourself what is best. I'm in the same boat as you in that I only insure against catastrophic events (I have a very large deductible). I have the financial means to handle small stuff (<$...
by mhc
Thu Sep 05, 2019 8:52 am
Forum: Personal Investments
Topic: Making Case to Employer for Mega Backdoor Roth
Replies: 20
Views: 1154

Re: Making Case to Employer for Mega Backdoor Roth

I tried it at my megacorp and also got a no. I am remote from the headquarters, so I let it go. Plus, I am close to retirment. I would think if you could find out what your competitors and other companies in your industry do, you might be able to leverage that. I suspect some of the people I communi...
by mhc
Wed Sep 04, 2019 9:47 am
Forum: Personal Investments
Topic: Retirement reserve help
Replies: 8
Views: 882

Re: Retirement reserve help

I'm not a fan of this strategy. Take a look at:

https://www.kitces.com/blog/research-re ... ket-timer/
by mhc
Wed Sep 04, 2019 9:30 am
Forum: Investing - Theory, News & General
Topic: Very bad day
Replies: 39
Views: 6273

Re: Very bad day

People talk about "dry powder" for buying in down markets. The dry powder is uninvest money usually.

Livesoft uses RBD as a rebalance trigger. He reports that he does not hold cash. Even though I suspect he has an old penny under a cushion somewhere.
by mhc
Wed Sep 04, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Am I diversified (tax wise) enough?
Replies: 7
Views: 465

Re: Am I diversified (tax wise) enough?

There are many factors that come into play. There definitely is not a 1 size fits all. I fall into the camp that I want to defer taxes as long as possible. I plan on retiring early, so I'll have many years to do ROTH conversions. Currently, I am in a very high tax bracket.I believe I will be able to...
by mhc
Wed Sep 04, 2019 8:42 am
Forum: Personal Investments
Topic: $100k rebalancing issue
Replies: 3
Views: 716

Re: $100k rebalancing issue

You probably already know the risks. The market could tank. More information is needed. Size of portfolio, income, ... If the 100k is a large portion of your portfolio and you might really need it, not just want it, then don't include it in your long term portfolio. If 100k is 1% of your portfolio, ...
by mhc
Tue Sep 03, 2019 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider your house as part of your bond portfolio?
Replies: 52
Views: 2462

Re: Do you consider your house as part of your bond portfolio?

No.

But having a paid off house influences my AA.
by mhc
Tue Sep 03, 2019 12:38 pm
Forum: Investing - Theory, News & General
Topic: Does having children hurt net worth?
Replies: 47
Views: 2083

Re: Does having children hurt net worth?

"Hurt" is an odd word to use. Everything that involves spending money depletes net worth. But the point of the net worth is, presumably, to spend it. Not many people consider forgoing housing for fear of hurting their net worth. Money is a tool, not an end. What life do you want? I thought a lot of...
by mhc
Tue Sep 03, 2019 11:44 am
Forum: Investing - Theory, News & General
Topic: Does having children hurt net worth?
Replies: 47
Views: 2083

Re: Does having children hurt net worth?

Really depends. If the money you spend on kids would have gone into savings and there is no chance of recovering those expenditures on the kids, then yes. They can be expensive. I could fathom some behavioral changes that can occur when having children can help your net worth. I know having a family...
by mhc
Fri Aug 30, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Banks requiring fingerprint on a check for non-customers to receive cash
Replies: 87
Views: 5910

Re: Banks requiring fingerprint on a check for non-customers to receive cash

This is truly shocking.

I didn't realize people still go into banks to cash checks. Just mobile deposit the check and be done.
by mhc
Fri Aug 30, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Which Weber charcoal grill?
Replies: 16
Views: 962

Re: Which Weber charcoal grill?

I love my Weber performer with propane ignition. The table, wheels, and charcoal bin make it really nice. My Weber is just about as easy to use as my propane grill. The design of the ash can is great.
by mhc
Fri Aug 30, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: How to clean baked on "carbon" from corners of old cookie sheets
Replies: 27
Views: 2208

Re: How to clean baked on "carbon" from corners of old cookie sheets

My favorite baking sheet is probably 40 years old. It is ugly, but it works just fine. I guess I need to look at the corners. I would never even think to worry about how the corners look. If I had thick carbon in the corner, I would get the scraper out of my toolbox and remove it in seconds. If it i...
by mhc
Thu Aug 29, 2019 2:51 pm
Forum: Personal Investments
Topic: Am I saving too much cash?
Replies: 18
Views: 2541

Re: Am I saving too much cash?

OP,

you don't say what your excess cash flow is, but I suspect you are very liquid due to a high income. I would not hold that much cash.

I don't worry about too much because I have large amounts coming in every month and I can tap my taxable account if need be.
by mhc
Thu Aug 29, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: OBD Malfunction Code #B0020-13 on Honda CRV: dealer can't fix - what to do?
Replies: 26
Views: 1853

Re: OBD Malfunction Code #B0020-13 on Honda CRV: dealer can't fix - what to do?

It's not that it can't be fixed; they don't want to fix it. Warranty repairs are reimbursed by Honda Corp at a lower rate than retail customers pay. I'd ask the service adviser what the purpose of a warranty is if the car can't be repaired when it's broken. I would document everything. I would then...