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hadron

Appreciate the response. Given covid the licensing offices do not have any appointment slots available for me get a drivers license. It likely I won't be able to get the WA license in the next few weeks given the appointment backlog. I'm not a citizen, so no voter registration. Few things I have don...

hadron

Hello everyone: I recently (start of Aug) moved from CA to WA. I maintain no ties to CA - do not own property there, etc etc and don't intend to return. I now own a home in WA. Does CA still tax my earnings for the entire year of just the earnings I had during the time I was a resident of CA? I am e...

hadron

We'll be moving from CA to WA soon. Later this year I'm expecting a decent chunk of company stock to vest. WA does not have state income tax. Will I be able to dodge state income tax because of my move? The move is permanent.

hadron

Queen Anne area is good but my most of my friends live on the east side. Even with MI, I need to cross a bridge and a tunnel, but the option of commuting by bike or bus is very enticing. Mercer Island feels like a nice middle ground between two main job centers for the kind of work I do. Seattle dow...

hadron

Thanks for the inputs. The other home (with longer commute) will be 1.2M. Both options are not walkable to stores/restaurants. But are a short drive ~1-2 miles away. Both options have parks/trails near by so outdoor options are somewhat similar in both places. So far my thinking is: time not spent b...

hadron

How long is your current commute? Cheers Thanks. We'll be relocating from out of state. My current commute is 30 mins or 1 hour if I bike (which I tend to do often). Prior to that my commute was 90 mins (on average) and it was too far for me to bike. I did find the shorter/bikeable commute improve ...

hadron

We found a nice home that is at the high end of what we planned to spend. It is listed at 1.75M. The up side is that it cuts short my commute by an average of 45 mins per day (if I drive) and also gives me the flexibility to bike to work if I choose to (I have done that in the past and enjoyed it) W...

hadron

Can I use this year's losses to offset any future gains or can it only be used to offset 3k of ordinary income per year? Yes, you can use them to offset future gains, and you will probably have gains eventually, even in your "forever" funds. I bought a home in 2013 and sold stock at a mar...

hadron

Can I use this year's losses to offset any future gains or can it only be used to offset 3k of ordinary income per year?

hadron

600K down.
I'm going to invest another 250K to take advantage of the discount sale.

hadron

I have around 270K worth of losses (around 200K short term) that I can realize in my taxable account. I invest in a 3 fund portfolio so all the loses are in funds that I plan to keep forever. I may not have gains to offset them this year. (I had a bunch last year, but I guess I missed the chance). I...

hadron

Thanks for the responses. I think I'll just do what I previously did - sell and move monies into stock indices.

hadron

39. Portfolio was ~2.5M at peak, now around 1.9M. Rebalanced to buy more stocks and plan to buy more with RSU monies. Overall not worried about finances. In fact this is a good situation to be in for me as I'm still in accumulation phase. More concerned about the health of my parents. Also, a lot of...

hadron

Had a batch of RSUs vest last week. Net proceeds after tax is around 300k. Normally I sell immediately and reinvest into my 3 fund portfolio. What is giving me a pause this time around is that the stock is faring much better compared to the market. At the same time my 3 fund portfolio value dropped ...

hadron

I work in one of the big bay area tech companies and pull in about 1M+ a year. I'm a senior Tech IC with 15+ years of experience. Been at this one place pretty much all of my career. Hiring someone with my experience and skill set is pretty hard (I interview a lot of candidates) and employers are wi...

hadron

Hindsight is 20/20, but in retrospect, selling to take advantage of the cap gains exclusion might have been better financially than renting. Is there a chance you could move back to the old area and live in the house again for a few years? If so, it might be better to keep renting the house until y...

hadron

Thanks for the IRS link. So it sounds like since I didn't reside there for a min of 2 out of the past 5 years, I don't qualify for the maximum exclusion of 500K (for MFJ). However, I did live there for 5 months in the past 5 years and my move was due to a job change. Does that qualify me for a parti...

hadron

Hello Bogleheads, I started renting my house 4 years ago when I moved to a different state to take up a new job. I am now thinking of selling the house. I expect to realize a 400K gain on the sale. Question is: does a job-related move give me an exemption from paying taxes on the gain I make on the ...

hadron

I'm planning on selling my home I've been renting out for the past four years. I currently have a property management firm that takes care of the tenant relationship and any maintenance calls for a 9% (of rent) fee. I have had the same tenant for the past 4 years and from what I hear (I moved to a d...

hadron

I didn't try to crunch the numbers but I doubt that the numbers would make it an attractive rental property if you did not already own it. One thing you might do is to look into doing a 1301 real estate exchange so you could move that money into a property that has better numbers that is not reside...

hadron

Hello There! Wanted to get some inputs on my situation. I moved jobs and locations 4+ years ago to Bay Area. Owned a home at that time and I still do. I currently rent it out. Rent covers the monthly mortage payments + property management firm fee + the ocassional maintenance calls. I still owe 290K...

hadron

Thanks all for the advice. The ride is a well supported. There are 6 designated rest stops along the way. I'm 37 and in reasonably good shape. I don't carry a lot of weight on me so hill climbs are not too scary. But 100 feet per mile over 100 miles is a entirely new challenge. There is a 0.4 mile, ...

hadron

Thanks! I do regular rides that involve some level of climbing. Lucky to be living close to some hills. Usually my weekend rides are around 35 miles with roughly 3k feet climbing. My longest to date was 70 miles/6.7k feet of climbing. And around 40 miles into that ride I hit a wall real bad. So that...

hadron

Getting ready to do my first 100 mile bike ride in a month. This one also has 10k feet of climbing. I avg about 75 miles each week between commute and a weekend ride. Any tips for a first timer from those who have done it already?

hadron

If you are investing for retirement and you are in your 30s, then you should not be concerned about the next big drop when ever that happens. If I were you, I'd look forward to it so that I can buy even more stocks. But I'd not hold my breath for it and sit on the sidelines. If you are just starting...

hadron

Year end numbers: 2012 - 160 2013 - 472 <- bump due to accounts consolidation (sold vested stock) 2014 - 531 2015 - 570 2016 - 740 <- new high paying job lets me save significantly more Now - 835 Age 36. These are funds in market. Not counting home equity (300K) or funds in checking (50K) or 529 (30k)

hadron

I was fortunate to have had an upbringing that placed immense value on education.
When I came to US to attend grad school, I had scholarships/assistantships that covered tuition + payed a handsome 1700 pm stipend.
I now make 600k pa.
So in my case the cost was negative. The payoff was huge.

hadron

Hindsight is 20/20. Everyone got to make some mistakes and learn from those. The joy of learning and getting better is what makes it worthwhile.

hadron

On Dec 22 I did a TLH by selling VTIAX (Vanguard Total International) and buying VFWAX (Vanguard FTSE All-World ex-US). My target AA calls for directing my current monthly contributions towards international equities, so I bought $1500 worth of VFWAX on Jan 1st. With the recent market drop I now hav...

hadron

I use mint for non-investment accounts (checking/credit cards). I like mint because it aggregates all my transactions into one place. It flags transactions that indicate fees of some sort. It helps me understand how much I'm spending month to month on various spending areas. I prefer to keep my inve...

hadron

1950.01

hadron

Since 2012 when I was 32.
Prior to that was too lazy to gain financial literacy.
Since then every year I max out my 401k and Roth (for me and my wife) plus buy broad market index funds in a taxable account.

hadron

Just switched to cricket wireless with bring-your-own-phone
$65 for 2 lines (all taxes included. includes group save and auto-pay enroll discount)
unlimited call, text. 2.5G data per line at LTE speeds and above that speed capped to 128kbps
Pretty decent for my situation.

hadron

After graduating from PSU, she moved to NYC to write fart jokes at Smosh Magazine. Making her way to ED, she now writes riveting commentary on nude pics, condoms and first dates

I thought this article was a joke.

hadron

With 25+ years to go for retirement I'm treating this as a PGD (pretty good day)

hadron

1. 25%
2. No

hadron

Make a plan and stick with it.
It is a marathon not a sprint. Unless you are planning on retiring some time soon, there is no need to worry about missing this bull run.
I'm 35 and I don't really like these bull runs during my accumulation phase. Equities are so darn expensive!

hadron

Thank you the response! That was helpful.

hadron

Hello, Between my two jobs in 2014, I ended up over-contributing by around $1200. Upon checking with my current 401k provider I learned there isn't enough time for them to issue a refund before Apr 15th. Can someone help me understand what the tax implications are and what alternatives I have. Thank...

hadron

At 30 I probably had a networth of around 200k.
I'm turning 35 next month with total savings around 600k

hadron

Signed it.
Would be a much deserved honor to a great man.

hadron

2232.09

hadron

34/32 (single income)

80/20

hadron

Thanks for the advice. I'd consider my job to be fairly stable. My experience and skills are in high demand. My takeaway is to keep a separate, small, cash-based account as emergency fund. After everything I learned about investing and staying the course, I definitely do not want to sell stocks in a...

hadron

Learned a lot about investing from this website. Thank you. Here is my situation Family of 4. Me 34, wife 32. Two kids, ages 3 and 0.25. Wife stays at home taking care of kids. I am employed in the software industry and make around 250k. Got serious about investing may be couple of years ago, thanks...

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