Search found 54 matches

by Dovahkiin
Wed Nov 20, 2019 4:03 am
Forum: Investing - Theory, News & General
Topic: What "Exactly" Does Selling Order Flow Mean?
Replies: 19
Views: 1437

Re: What "Exactly" Does Selling Order Flow Mean?

National Best Bid and Offer regulations only requires that to be computed from a select few stock exchanges - specifically NYSE, NY-ARCA, NY-MKT, and NASDAQ. Over the years several "dark pools" and other stock exchanges have popped up - BATS, IEX, etc. Let's say stock XYZ trades on all of these exch...
by Dovahkiin
Sun Nov 03, 2019 3:29 am
Forum: Personal Finance (Not Investing)
Topic: Salary paid directly to daf
Replies: 8
Views: 1040

Re: Salary paid directly to daf

Ask them to establish a charitable contribution matching program to the limit of salary you desire then ask them to contribute their match to your DAF. Then you get to keep your tax write off and they contribute extra that doesn't hit your fica/etc and hopefully you'll get 2x what you wanted. If the...
by Dovahkiin
Wed Oct 16, 2019 1:37 am
Forum: Personal Investments
Topic: How to handle 5M capital gain (post-IPO)
Replies: 118
Views: 11899

Re: How to handle 5M capital gain (post-IPO)

Were you a California employee during any part of your stock grant? Did they come from RSUs? ISOs? If so, CA has some complex rules that you'll need a CPA and possibly a lawyer to navigate when/if you performed services in California while vesting/exercising ISOs, RSUs, etc: https://www.ftb.ca.gov/f...
by Dovahkiin
Mon Oct 07, 2019 4:34 am
Forum: Personal Finance (Not Investing)
Topic: Fee-based CFP advice
Replies: 11
Views: 1277

Re: Fee-based CFP advice

Here's my checklist of things I'd consider for your situation: 1. Do both of you have disability insurance? I highly recommend this coverage for both, even if you have group coverage I recommend supplemental coverage. What happens if you become disabled tomorrow suddenly without any forewarning? 2. ...
by Dovahkiin
Tue Sep 17, 2019 1:05 am
Forum: Personal Finance (Not Investing)
Topic: Proposed LTD policy - please weigh in on associated Riders
Replies: 10
Views: 896

Re: Proposed LTD policy - please weigh in on associated Riders

My opinions: What is the exact policy from Guardian? They have several - Provider Choice Premier/select, Provider Plus/Plus Limited. Have you gotten quotes from the other carriers? Other major carriers (the "Big 5" like The Standard, Principal, Ameritas, and Mass Mutual have competitive products, po...
by Dovahkiin
Fri Sep 13, 2019 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Cost Basis for Inherited Shares
Replies: 11
Views: 891

Re: Cost Basis for Inherited Shares

If the executor files an estate tax return on his behalf then the executor can elect the stock basis to be the market value six months after his death. That should help you avoid the new year stock dip. Talk to a CPA if doing this is worthwhile.
by Dovahkiin
Thu Jan 31, 2019 2:36 am
Forum: Personal Consumer Issues
Topic: Hyatt Legal Plan for Will and Trust
Replies: 52
Views: 3769

Re: Hyatt Legal Plan for Will and Trust

I decided to spring for Hyatt Legal Plan through my employer during open enrollment after reading the reviews here as I still need to do a will and revocable living trust as a high earning software engineer in California. Unfortunately, I've been very disappointed so far. It's definitely "what you p...
by Dovahkiin
Tue Jan 22, 2019 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Regret taking a new job
Replies: 19
Views: 3773

Re: Regret taking a new job

If you otherwise have diverse experience and live in an area with numerous companies then I'd leave the job off the resume completely should you decide to job hunt. A resume is your marketing materials to other prospective employers, not a permanent record of everywhere you've ever worked.
by Dovahkiin
Mon Nov 26, 2018 12:08 am
Forum: Personal Investments
Topic: Can I over-contribute to 401k plan between 2 employers in anticipation of HCE refund from old employer?
Replies: 15
Views: 944

Re: Can I over-contribute to 401k plan between 2 employers in anticipation of HCE refund from old employer?

One idea is you could try to roll over your old employer's 401k plan to an IRA or the new employer's 401k before they do the HCE refund. Then just contribute to the IRS max with the new employer. Sometimes they'd be willing to overnight the rollover check/etc for the cost of overnight service.
by Dovahkiin
Tue Sep 19, 2017 1:54 am
Forum: Personal Investments
Topic: TD Ameritrade Performance Tracking
Replies: 26
Views: 7110

Re: TD Ameritrade Performance Tracking

I have a taxable TD Ameritrade account and it is unfortunate they don't give you tools or graphs to track your return easier. I'm using Personal Capital to track the account and all my other accounts. It's great as it shows me my personal return and I can compare it to the S&P 500.
by Dovahkiin
Wed Aug 23, 2017 2:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard marked down their Uber investment. Which fund holds it?
Replies: 6
Views: 2071

Re: Vanguard marked down their Uber investment. Which fund holds it?

Vanguard's VWUSX fund holds Uber, they have 1,408,784 shares in Uber valued at $58,408,185 which is 0.78% of that entire fund.
by Dovahkiin
Tue Jun 13, 2017 4:40 pm
Forum: Personal Investments
Topic: Those pesky account closing fees
Replies: 14
Views: 3503

Re: Those pesky account closing fees

Transfer in kind all but $2,500 assets, if possible leaving behind shares that won't incur large capital gains when you sell, or even better, a capital loss. Then some time after the transfer goes through just sell the shares, take cash, then leave $0.01 in the account.
by Dovahkiin
Mon May 22, 2017 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Disability Insurance quote
Replies: 10
Views: 7077

Re: Advice on Disability Insurance quote

I'd have her get several quotes from a good independent agent. I've had a good time with PolicyGenius. Get quotes from Mutual of Omaha too. That's really expensive unless she's in a bad occupation class or overweight or has medical issues. Also, I'm not sure if I'm reading it right but it seems like...
by Dovahkiin
Tue Mar 28, 2017 8:09 pm
Forum: Investing - Theory, News & General
Topic: What is stock, really? (Bloomberg View)
Replies: 4
Views: 975

Re: What is stock, really? (Bloomberg View)

SNAP's IPO is unique in that its common stock has no voting rights so companies are already breaking up traditional stock. Google has also issued new shares that don't have voting rights either.
by Dovahkiin
Sat Feb 25, 2017 3:29 am
Forum: Investing - Theory, News & General
Topic: Roth Horse Race - Taxable account?
Replies: 1
Views: 718

Roth Horse Race - Taxable account?

I just learned of the Roth horse race strategy for getting more dollars in a Roth conversion per tax - http://www.madfientist.com/roth-ira-horse-race/ and an extreme version that uses options to get 50% more - http://forum.mrmoneymustache.com/ask-a-mustachian/extreme-roth-ira-horse-race/ Has anyone ...
by Dovahkiin
Wed Feb 22, 2017 5:17 pm
Forum: Personal Investments
Topic: VTSAX vs FSTVX
Replies: 10
Views: 2573

Re: VTSAX vs FSTVX

Both funds will perform nearly identical. VTSAX tracks the CRSP total stock market index while FSTVX tracks the Dow Jones total stock market index. Both have very close to identical holdings for the largest of companies as they are market cap weighted. Vanguard's has a slight value tilt while Fideli...
by Dovahkiin
Thu Aug 04, 2016 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: 29 years old too young to buy Long Term Care Insurance?
Replies: 28
Views: 3918

Re: 29 years old too young to buy Long Term Care Insurance?

I've decided I'm not going to get long term care insurance at this time. It just sounds like there is too much of a risk of premiums increasing and thus pricing me out of the plan and possible changes or better plans/options later on. I have a pretty good chance at breaking even statistically if I j...
by Dovahkiin
Wed Aug 03, 2016 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: 29 years old too young to buy Long Term Care Insurance?
Replies: 28
Views: 3918

Re: 29 years old too young to buy Long Term Care Insurance?

I currently don't know anything the insurers don't know. The only genetic testing I've done was a karyotype test to determine if I had XXY syndrome or anything, which I don't. I don't have any symptoms of that disease and that one would of shown up as a damaged chromosome. I have considered doing so...
by Dovahkiin
Wed Aug 03, 2016 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: 29 years old too young to buy Long Term Care Insurance?
Replies: 28
Views: 3918

Re: 29 years old too young to buy Long Term Care Insurance?

I agree that the chance is almost 0% right now, but in the future I never know if I have to stop taking it for any reason (seems unlikely since I tolerated it for 2 years so far). You never know if it's just time until HIV becomes more resistant to truvada. I was just listing any risk factors I coul...
by Dovahkiin
Wed Aug 03, 2016 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: 29 years old too young to buy Long Term Care Insurance?
Replies: 28
Views: 3918

Re: 29 years old too young to buy Long Term Care Insurance?

Thanks everyone for the responses so far. I've lost 65 lbs in one year and I'm doing great on keeping that up. I'm also taking PrEP and have been so for two years so that greatly minimizes my risk of HIV. I'm glad to hear that mentioned here. :) My insurance covers it 100% with no copay. Sadly, at l...
by Dovahkiin
Wed Aug 03, 2016 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: 29 years old too young to buy Long Term Care Insurance?
Replies: 28
Views: 3918

29 years old too young to buy Long Term Care Insurance?

I'm 29 years old, male, single (no dependents), no debts, already have private disability insurance. Income: $145,000 pre-tax. Maxing out 401k and roth IRA. $50k/year saved total including tax advantaged & taxable. Current Net worth: $50k Goal: FI, possibly FIRE by age 45. State: CA Insurance produc...
by Dovahkiin
Thu May 12, 2016 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 200
Views: 35040

Re: Evicting a tenant-Hire lawyer?

Sorry to hear that. In the future I'd only accept certified funds for security deposit and first month's rent.
by Dovahkiin
Fri Mar 11, 2016 5:40 pm
Forum: Investing - Theory, News & General
Topic: Target Date Fund Woes
Replies: 34
Views: 4322

Re: Target Date Fund Woes

- I've heard arguments before about internal rebalancing within target date funds and how it fails to achieve the desired effect, but I can't recall or digest why. I'll take a stab at it. The target date funds are rebalanced daily. Backtesting shows daily rebalancing netting less return than say mo...
by Dovahkiin
Tue Feb 09, 2016 2:04 pm
Forum: Personal Investments
Topic: Solo 401k or Convert to Roth IRA
Replies: 4
Views: 686

Re: Solo 401k or Convert to Roth IRA

Thanks. Vanguard seriously doesn't allow incoming rollovers? I was reading through the plan documents and it sounds like they allow them on page 37 section 3.0.8. However, I found this saying even though its in the plan documents they refuse incoming rollovers. http://thefinancebuff.com/vanguard-sol...
by Dovahkiin
Tue Feb 09, 2016 3:42 am
Forum: Personal Investments
Topic: Solo 401k or Convert to Roth IRA
Replies: 4
Views: 686

Solo 401k or Convert to Roth IRA

I have an s-corp that I've been running full time for over the past year and I'm thinking of setting up a Solo 401k plan with Vanguard. I'm thinking of rolling over 30k from my traditional ira to the Solo 401k Plan. I've had no income in the s-corp so I'll be going back to a W2 job with a salary hig...
by Dovahkiin
Sun Jan 10, 2016 3:21 am
Forum: Personal Consumer Issues
Topic: Business Banking & Business credit cards - Truth or Myths?
Replies: 3
Views: 767

Re: Business Banking & Business credit cards - Truth or Myths?

I run my own business and sadly its the truth, there is a lot less regulation for business accounts. http://www.npr.org/sections/alltechconsidered/2015/09/15/440252972/when-cyber-fraud-hits-businesses-banks-may-not-offer-protection http://www.forbes.com/sites/groupthink/2014/07/15/dont-let-your-busi...
by Dovahkiin
Sat Jan 02, 2016 2:55 am
Forum: Investing - Theory, News & General
Topic: Why do we call it "investing"?
Replies: 35
Views: 4403

Re: Why do we call it "investing"?

To answer the OP all the shares we purchase on the public market at one point traded equity for capital. You can purchase newly minted shares on the public markets if the company decides to issue more shares. Right now that isn't likely as with interest rates being so low it is cheaper to borrow mon...
by Dovahkiin
Sat Feb 14, 2015 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Tenants won't let us show the rental: what do we do?
Replies: 60
Views: 13505

Re: Tenants won't let us show the rental: what do we do?

+1 to eviction if your lease allows it. Fellow landlord here. Its *your* house. If you can afford the loss of rent income, having an empty house sells for much more and to a wider net of prospective buyers.
by Dovahkiin
Wed Jan 28, 2015 9:19 pm
Forum: Personal Investments
Topic: 401k - Did I over contribute?
Replies: 5
Views: 1164

Re: 401k - Did I over contribute?

I'm not a tax professional but I wouldn't worry about it since your 2014 W2 doesn't show it, it means that your 2015 W2 will. Companies can also pick particular accounting methods that are based off the recorded date (your paycheck date for instance) and not the physical date the transaction actuall...
by Dovahkiin
Fri Jan 09, 2015 2:40 am
Forum: Personal Finance (Not Investing)
Topic: Should I sell or hold rental property?
Replies: 5
Views: 871

Re: Should I sell or hold rental property?

I'm also an accidental landlord that has made the decision to sell my property. I bought a house at 185k a few years ago in Las Vegas and its now appraising at 275k after I made some improvements. In my case I was just barely cash flow positive with the mortgage/hoa fees/etc, and making a profit if ...
by Dovahkiin
Tue Jan 06, 2015 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Do you generally spend more when using credit cards?
Replies: 71
Views: 4933

Re: Do you generally spend more when using credit cards?

I find that I spend more when using credit cards even though I try to keep track of them very carefully. I find my best cash back cards it always seems to take a few more days for purchases to post or show up as pending compared to my debit card which posts instantly, so sometimes I lose track and t...
by Dovahkiin
Tue Dec 02, 2014 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Buying a home and cold feet!!
Replies: 40
Views: 5006

Re: Buying a home and cold feet!!

Wow zombie thread. How did it turn out OP?
by Dovahkiin
Wed Aug 06, 2014 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Rent house again or sell?
Replies: 3
Views: 824

Re: Rent house again or sell?

Thanks everyone! I'm leaning towards keeping it but haven't made up my mind. I just read about a 1031 exchange. Since my goal in the future is to still have a house for myself that might be a viable route to have no taxes or minimize taxes later on when I'm ready to buy a house again. Has anyone had...
by Dovahkiin
Wed Aug 06, 2014 4:14 am
Forum: Personal Finance (Not Investing)
Topic: Rent house again or sell?
Replies: 3
Views: 824

Rent house again or sell?

Hi fellow Bogleheads, I'm hoping to get some advice from fellow Bogleheads. Here is my situation: Me (27 years old, single, no kids, State: California): Income = $115,000 per year base salary (very secure job, possible 20% annual bonus) 401k = $10,000 in Fidelity (I'm maxing the $17,500 contribution...
by Dovahkiin
Wed Dec 11, 2013 11:59 pm
Forum: Personal Investments
Topic: Buying coworker's shares - private company
Replies: 2
Views: 964

Re: Buying coworker's shares - private company

Yeah, I carefully read it. We only have a right of first refusal. There are no other clawbacks in the agreement. Verbally, they only intend it to keep outsiders from obtaining shares. The owner/ceo is not interested in having any more investors at this time. I was curious as far as from a regulation...
by Dovahkiin
Wed Dec 11, 2013 3:18 am
Forum: Personal Investments
Topic: Buying coworker's shares - private company
Replies: 2
Views: 964

Buying coworker's shares - private company

I work for a private tech company that has no current plans of going public. The owner wishes to keep it private. There is an employee incentive stock option plan. I feel like the company has a great future ahead. I just got a huge promotion after I personally saved the company 5-10 million annually...
by Dovahkiin
Thu Jan 24, 2013 9:56 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads 2013 Hedgefund Contest
Replies: 151
Views: 20705

Re: Bogleheads 2013 Hedgefund Contest

Shorting Netflix was disastrous, lol. :D I went from first place last night to middle of the road. The Black Hole Capital Fund was crushing the market but now its sucking all the investors money. Black Hole Capital Fund will stay the course and continue shorting NFLX, ignoring this "bubble." I'm bus...
by Dovahkiin
Sun Jan 06, 2013 10:45 pm
Forum: Personal Investments
Topic: How am I doing for being a 25 year old?
Replies: 40
Views: 4371

Re: How am I doing for being a 25 year old?

Dovahkiin, In reading the responses to your initial post I did not see anyone mention the fact that student loan interest paid is currently limited to $2,500 per year. Also the interest paid is a reduction to income (i.e., it is subtracted from your income and reduces your AGI). It is not a deducti...
by Dovahkiin
Sun Jan 06, 2013 8:54 pm
Forum: Personal Investments
Topic: How am I doing for being a 25 year old?
Replies: 40
Views: 4371

Re: How am I doing for being a 25 year old?

Thanks everyone! I'll definitely consider having a couple of roommates. Its been about 5 years since I lived with any roommates and I've been happy without them over those 5 years.
by Dovahkiin
Sun Jan 06, 2013 2:40 pm
Forum: Personal Investments
Topic: How am I doing for being a 25 year old?
Replies: 40
Views: 4371

Re: How am I doing for being a 25 year old?

Do you have a rational fear of losing your job between now and April? Otherwise what is stopping you from later building up your emergency fund? What is the point of having an emergency fund then? And I do know how marginal tax rates work. I don't feel its worth it in my current situation to contri...
by Dovahkiin
Sun Jan 06, 2013 2:12 pm
Forum: Personal Investments
Topic: How am I doing for being a 25 year old?
Replies: 40
Views: 4371

Re: How am I doing for being a 25 year old?

I've also considered roommates. I had a really good friend of mine offer $700/month + sharing utilities for a room at my place. The thing is I'm a pretty private person and really prefer it being quiet and highly prefer the privacy. I've had a *really* bad experience with roommates in college that r...
by Dovahkiin
Sun Jan 06, 2013 1:40 pm
Forum: Personal Investments
Topic: How am I doing for being a 25 year old?
Replies: 40
Views: 4371

Re: How am I doing for being a 25 year old?

The house payment, taxes, insurance, pmi adds up to $1,150/month. I was renting at $1,200/month. You're right, I suppose I was trying to time the housing market and get in as quickly as possible. I view the house as leverage as well. Maybe I should of just paid off the student loans instead, oh well...
by Dovahkiin
Sun Jan 06, 2013 3:05 am
Forum: Personal Investments
Topic: How am I doing for being a 25 year old?
Replies: 40
Views: 4371

Re: How am I doing for being a 25 year old?

You're right, I misspoke. I meant wants. I understand opportunity cost. The reason I bought the house was mortgage + taxes + homeowners insurance + pmi was the same as renting a house built in 1985 in Vegas and I wanted to get in the Vegas housing market while it is at the bottom. In return I got a ...
by Dovahkiin
Sun Jan 06, 2013 1:18 am
Forum: Personal Investments
Topic: How am I doing for being a 25 year old?
Replies: 40
Views: 4371

Re: How am I doing for being a 25 year old?

Nice, another Skyrim fan :D I'm working on paying down the credit cards first, I'm pretty sure I'll be able to send $1,000 towards the ones that currently have interest on them still and get them wiped out this month. I've been charging all new expenses directly on my debit card and working on makin...
by Dovahkiin
Sat Jan 05, 2013 9:51 pm
Forum: Personal Investments
Topic: How am I doing for being a 25 year old?
Replies: 40
Views: 4371

How am I doing for being a 25 year old?

Hi everyone! Last year I ran across this website and posted some questions. I've been a lurker and just spending a lot of time reading up on long term investing. I am very thankful for everyone's generous help here. This website is truly a remarkable investment gem. For Christmas I bought my family ...
by Dovahkiin
Mon Dec 31, 2012 12:03 am
Forum: Investing - Theory, News & General
Topic: Bogleheads 2013 Hedgefund Contest
Replies: 151
Views: 20705

Re: Bogleheads 2013 Hedgefund Contest

Black Hole Capital Fund:

Long:
SGEN
CAB

Short:
NFLX
BKS