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Dovahkiin

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...

Dovahkiin

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...

Dovahkiin

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...

Dovahkiin

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. ...

Dovahkiin

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...

Dovahkiin

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.

Dovahkiin

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...

Dovahkiin

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.

Dovahkiin

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.

Dovahkiin

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.

Dovahkiin

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.

Dovahkiin

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.

Dovahkiin

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...

Dovahkiin

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.

Dovahkiin

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 ...

Dovahkiin

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...

Dovahkiin

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...

Dovahkiin

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...

Dovahkiin

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...

Dovahkiin

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...

Dovahkiin

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...

Dovahkiin

Sorry to hear that. In the future I'd only accept certified funds for security deposit and first month's rent.

Dovahkiin

- 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...

Dovahkiin

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...

Dovahkiin

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...

Dovahkiin

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...

Dovahkiin

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...

Dovahkiin

2133.7

Dovahkiin

+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.

Dovahkiin

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...

Dovahkiin

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 ...

Dovahkiin

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...

Dovahkiin

2225.67

Dovahkiin

Wow zombie thread. How did it turn out OP?

Dovahkiin

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...

Dovahkiin

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...

Dovahkiin

2471. Its 1337 in octal.

Dovahkiin

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...

Dovahkiin

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...

Dovahkiin

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...

Dovahkiin

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...

Dovahkiin

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.

Dovahkiin

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...

Dovahkiin

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...

Dovahkiin

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...

Dovahkiin

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 ...

Dovahkiin

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...

Dovahkiin

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 ...

Dovahkiin

1540.41

Dovahkiin

Black Hole Capital Fund:

Long:
SGEN
CAB

Short:
NFLX
BKS

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