Search found 45 matches

by hadron
Tue Sep 01, 2020 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: relocation timeline and state taxes
Replies: 5
Views: 354

Re: relocation timeline and state taxes

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...
by hadron
Tue Sep 01, 2020 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: relocation timeline and state taxes
Replies: 5
Views: 354

relocation timeline and state taxes

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...
by hadron
Wed Jul 15, 2020 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: tax implications when moving to no income tax state
Replies: 2
Views: 500

tax implications when moving to no income tax state

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.
by hadron
Tue Jun 02, 2020 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: is a shorter commute worth the extra cost?
Replies: 30
Views: 1799

Re: is a shorter commute worth the extra cost?

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...
by hadron
Tue Jun 02, 2020 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: is a shorter commute worth the extra cost?
Replies: 30
Views: 1799

Re: is a shorter commute worth the extra cost?

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...
by hadron
Tue Jun 02, 2020 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: is a shorter commute worth the extra cost?
Replies: 30
Views: 1799

Re: is a shorter commute worth the extra cost?

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 ...
by hadron
Tue Jun 02, 2020 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: is a shorter commute worth the extra cost?
Replies: 30
Views: 1799

is a shorter commute worth the extra cost?

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...
by hadron
Wed Mar 25, 2020 1:58 pm
Forum: Personal Investments
Topic: TLH - no brainer?
Replies: 7
Views: 820

Re: TLH - no brainer?

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...
by hadron
Tue Mar 24, 2020 10:40 pm
Forum: Personal Investments
Topic: TLH - no brainer?
Replies: 7
Views: 820

Re: TLH - no brainer?

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?
by hadron
Mon Mar 23, 2020 9:59 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 366
Views: 33024

Re: How much you lost/gain since Feb 20,2020 ?

600K down.
I'm going to invest another 250K to take advantage of the discount sale.
by hadron
Mon Mar 23, 2020 9:53 pm
Forum: Personal Investments
Topic: TLH - no brainer?
Replies: 7
Views: 820

TLH - no brainer?

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...
by hadron
Mon Mar 23, 2020 9:41 pm
Forum: Personal Investments
Topic: RSU - sell or keep?
Replies: 8
Views: 720

Re: RSU - sell or keep?

Thanks for the responses. I think I'll just do what I previously did - sell and move monies into stock indices.
by hadron
Mon Mar 23, 2020 6:49 pm
Forum: Investing - Theory, News & General
Topic: Young investors, how do you feel about your 1st market crash?
Replies: 132
Views: 9433

Re: Young investors, how do you feel about your 1st market crash?

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...
by hadron
Mon Mar 23, 2020 12:53 pm
Forum: Personal Investments
Topic: RSU - sell or keep?
Replies: 8
Views: 720

RSU - sell or keep?

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 ...
by hadron
Thu Jun 06, 2019 1:56 am
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 45331

Re: For those who earn $500k+ per year. How'd you do that?

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...
by hadron
Thu May 02, 2019 12:11 am
Forum: Personal Finance (Not Investing)
Topic: job related relocation and real estate cap gain tax exemption
Replies: 8
Views: 522

Re: job related relocation and real estate cap gain tax exemption

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...
by hadron
Wed May 01, 2019 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: job related relocation and real estate cap gain tax exemption
Replies: 8
Views: 522

Re: job related relocation and real estate cap gain tax exemption

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...
by hadron
Wed May 01, 2019 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: job related relocation and real estate cap gain tax exemption
Replies: 8
Views: 522

job related relocation and real estate cap gain tax exemption

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 ...
by hadron
Sat Apr 27, 2019 12:53 am
Forum: Investing - Theory, News & General
Topic: How to sell home remotely
Replies: 2
Views: 496

How to sell home remotely

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...
by hadron
Fri Apr 19, 2019 12:29 pm
Forum: Personal Investments
Topic: keep or sell the home
Replies: 4
Views: 855

Re: keep or sell the home

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...
by hadron
Fri Apr 19, 2019 12:48 am
Forum: Personal Investments
Topic: keep or sell the home
Replies: 4
Views: 855

keep or sell the home

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...
by hadron
Sun May 07, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 4744

Re: First 100 mile bike ride

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, ...
by hadron
Sat May 06, 2017 11:13 pm
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 4744

Re: First 100 mile bike ride

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...
by hadron
Sat May 06, 2017 10:11 pm
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 4744

First 100 mile bike ride

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?
by hadron
Sun Mar 05, 2017 1:00 am
Forum: Investing - Theory, News & General
Topic: New Investor – Novice Jitters
Replies: 32
Views: 3504

Re: New Investor – Novice Jitters

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...
by hadron
Sun Feb 26, 2017 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 2475
Views: 564316

Re: Share your net worth progression

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)
by hadron
Fri Jan 06, 2017 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: What monetary value has your education provided you?
Replies: 107
Views: 8751

Re: What monetary value has your education provided you?

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.
by hadron
Thu Jan 14, 2016 8:21 pm
Forum: Investing - Theory, News & General
Topic: What would you tell your 25 yr old self?
Replies: 99
Views: 9939

Re: What would you tell your 25 yr old self?

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.
by hadron
Mon Jan 11, 2016 2:15 pm
Forum: Personal Investments
Topic: Another TLH before 30 day window
Replies: 4
Views: 652

Another TLH before 30 day window

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...
by hadron
Tue Jan 05, 2016 5:49 pm
Forum: Investing - Theory, News & General
Topic: How do you organize your finances? Do you use Mint.com?
Replies: 94
Views: 16729

Re: How do you organize your finances? Do you use Mint.com?

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...
by hadron
Sat Oct 24, 2015 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Age when you started to max out your retirement accounts?
Replies: 177
Views: 34802

Re: Age when you started to max out your retirement accounts?

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.
by hadron
Sun Sep 20, 2015 11:39 pm
Forum: Personal Consumer Issues
Topic: Anyone use pre paid cell phone planns???
Replies: 27
Views: 3405

Re: Anyone use pre paid cell phone planns???

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.
by hadron
Fri Sep 18, 2015 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: If You Have Savings In Your 20s, You’re Doing Something Wrong [article]
Replies: 148
Views: 18378

Re: If You Have Savings In Your 20s, You’re Doing Something Wrong [article]

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.
by hadron
Fri Aug 21, 2015 12:40 am
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 13635

Re: anyone treating this as an RBD (really bad day)

With 25+ years to go for retirement I'm treating this as a PGD (pretty good day)
by hadron
Sun Jun 07, 2015 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Your Home Equity / Net Worth Ratio?
Replies: 119
Views: 17021

Re: Your Home Equity / Net Worth Ratio?

1. 25%
2. No
by hadron
Sun Jun 07, 2015 12:43 am
Forum: Personal Investments
Topic: 30 years old / Missed the bull run
Replies: 55
Views: 13512

Re: 30 years old / Missed the bull run

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!
by hadron
Wed Apr 15, 2015 1:01 am
Forum: Personal Investments
Topic: over contributed to 401K and cannot withdraw before Apr 15
Replies: 5
Views: 1036

Re: over contributed to 401K and cannot withdraw before Apr

Thank you the response! That was helpful.
by hadron
Tue Apr 14, 2015 11:50 am
Forum: Personal Investments
Topic: over contributed to 401K and cannot withdraw before Apr 15
Replies: 5
Views: 1036

over contributed to 401K and cannot withdraw before Apr 15

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...
by hadron
Fri Feb 27, 2015 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 25709

Re: How much did you have saved up for retirement at age 30?

At 30 I probably had a networth of around 200k.
I'm turning 35 next month with total savings around 600k
by hadron
Wed Feb 11, 2015 6:25 pm
Forum: US Chapters
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 23540

Re: PETITION FOR Jack Bogle's Presidential Medal of Freedom

Signed it.
Would be a much deserved honor to a great man.
by hadron
Tue Nov 11, 2014 12:31 pm
Forum: Personal Investments
Topic: What is your age and AA?
Replies: 219
Views: 69948

Re: What is your age and AA?

34/32 (single income)

80/20
by hadron
Wed Sep 03, 2014 4:25 pm
Forum: Personal Investments
Topic: Taxable account as emergency fund?
Replies: 9
Views: 2408

Re: Taxable account as emergency fund?

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...
by hadron
Tue Sep 02, 2014 11:19 pm
Forum: Personal Investments
Topic: Taxable account as emergency fund?
Replies: 9
Views: 2408

Taxable account as emergency fund?

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...