Bogleheads.org

FullYellowJacket

Apparently they offer buybacks a few times a year.

FullYellowJacket

Hi Bogleheads, I've been awarded RSUs that will vest over the next few years from one of the exciting new space companies. I don't want to say who, but I think they are going to change humanity (and especially so with my help). I plan on just letting the RSUs ride until the company goes public somet...

FullYellowJacket

What is the purpose of the 1-year-old party? I'm asking a serious question. Do you feel you have paid for many of the parties that you have attended and now want some payback? Just take your adult friends to a movie or dinner and leave the little ones at home. Seriously. Make it a tradition. Bottle...

FullYellowJacket

Thank you all for your suggestions. I guess my final question at this point is, would you attend your baby's friend's birthday party if you knew it was to be held at someone's small condo? Would you think this is strange at all? Condo/house/apt size would not factor in. Do you have any outdoor/shar...

FullYellowJacket

Thank you all for your suggestions. I guess my final question at this point is, would you attend your baby's friend's birthday party if you knew it was to be held at someone's small condo? Would you think this is strange at all?

FullYellowJacket

Are there any parks nearby with picnic areas? Where I live, we can reserve the picnic area at the local park through the city website. That's typically what we do for our kids' birthdays. I have really fond memories of both my kids' first birthday parties. First birthday parties are really more for...

FullYellowJacket

Hello BH community, I woud like some advice on how to go about throwing a birthday for my soon to be 1 year old. We currently reside in a small condo and do not have any family in the area. We do have some family friends and friends from daycare , however I am not sure if it is a good idea to have t...

FullYellowJacket

I received my MS in engineering completely online, but all my classes were shared with on campus students. None of the online classes were standalone. I could have attended any of my lectures in person if I wanted to. When I took these classes I was a more mature person than in Undergrad. I feel tha...

FullYellowJacket

I have adjacent questions regarding the setup of your post. What are the mechanics of a condo building selling the entire building? A majority of owners need to agree? Every homeowner needs to be bought out separately? What happens if you don't want to sell?

FullYellowJacket

You have to fill out a request for payment for each block of leave. Your return to work date should be every time you return to work. I took 3 weeks off when my baby was born then months later 9 weeks off. I filled out two forms, one to get paid the first 3 weeks, then another to get paid the first ...

FullYellowJacket

Rainier wrote: ↑
Fri May 11, 2018 11:38 am
For those of you saving the planet by walking to work, what makes you think that emits net less carbon than driving? There is no free energy and cars are remarkably efficient at burning fuel (humans, not so much).

The carbon footprint of driving is far greater than just the gas burned.

FullYellowJacket

runner3081 wrote: ↑
Fri May 11, 2018 11:46 am
The plane is likely making that flight whether I am on it or not. I see no need to contribute.

If multiple people do not fly, less flights per route per day are flown.

FullYellowJacket

https://www.terrapass.com/projects/project-list https://nativeenergy.com/our-approach/carbon-offsets/ For the most part, it looks like real projects get built. And at the very least, carbon offsetting is not expensive. $170 offsets your carbon usage for the year. If someone is concerned then isn't ...

FullYellowJacket

https://www.terrapass.com/projects/project-list

https://nativeenergy.com/our-approach/carbon-offsets/

For the most part, it looks like real projects get built. And at the very least, carbon offsetting is not expensive. $170 offsets your carbon usage for the year.

FullYellowJacket

I think the actionable part of your question is about the effect of purchasing carbon assets. I'm a little skeptical. I think your money is probably better spent making your home more efficient and your own carbon footprint smaller, i.e. not flying (or driving much). Purchasing carbon assets from a ...

FullYellowJacket

If you don't want to dip so far into your lifetime exclusion, you can gift it to them over a 10 year or so period. Most people will never need their lifetime exclusion.

FullYellowJacket

If it helps, I've run several simulations to help determine how much a 529 is worth for my situation (high income in CA), and it looks like our net worth will be 30k higher due to 529 use through tax savings. Another way to think about it is that we would need to save about 15% more per month for co...

FullYellowJacket

I would go with the zero interest credit card. There are some cards with 15 months or so of 0% APR. Be sure you can pay that off in 15 months. Make sure you can pay the camp with the CCs. Either that or put all expenses on the credit card and pay the camps with check if required. In a bad situation ...

FullYellowJacket

OP- Just start saving for the DP even if you don't know all the details of how much you need. Your income is $180K, which you think will grow. Can you save $18.5K X 2, plus $11K Roth, and $25K per year right now? Set your DP savings goal per year and try to get there without sacrificing retirement ...

FullYellowJacket

Rather than reducing 401k, can you reduce your expenses to increase saving for down payments? I think we could reasonably cut 100-200 per month before getting truly painful. I have a mental list of things we could cut under a black swan event. I’d rather work more overtime than cut that amount for ...

FullYellowJacket

I'd like to send this in a slightly different direction: what are you looking for in a house? I get the 3BR part, and I imagine some square footage. I bought a 3BR townhouse in Pasadena less than a year ago at cost well under your budget (I can send you details if you want). I believe the schools n...

FullYellowJacket

If I kept our retirement savings at the downshifted amount, I’d expect to be able to retire in mid-50s. At our current pace we could retire in our 40s. See, here I am confused. How could one be saving enough for retirement, in an expensive area, without maxing out the, limited, amounts one is able ...

FullYellowJacket

The concept of "maxing" out your retirement accounts is somewhat arbitrary since for some couples that could be over $100K a year or only $11,000 a year. Getting the employer match is always a good deal but you might think of your retirement account contributions as a percentage of your gross incom...

FullYellowJacket

Once again, I don’t factor House appreciation at all in my retirement planning. I’m just trying to figure out how we are going to manage to stay in LA long term. If I kept our retirement savings at the downshifted amount, I’d expect to be able to retire in mid-50s. At our current pace we could retir...

FullYellowJacket

I'm thinking a better way of asking my question is this:
Does it make sense to lower future retirement savings in order to lower future cash flow needs?

In essence I would be looking to lower current 401(k) contributions for the next few years in order to reduce future expected mortgage payments.

FullYellowJacket

OP, there is no way to forecast home prices 5-7 years forward. Are kids in your future? As others have mentioned, if you are in 22% tax bracket buying a home $1.5M will make you house poor even with a large down payment. What areas are you considering, many parts of LA are considered VHCOL and your...

FullYellowJacket

I'll admit that we are projecting ahead income wise. We both expect our incomes to grow quickly. And I should clarify that we are technically in the 24% bracket, but the new standard deduction puts us into the top of the 22% bracket. So income in 170-180 range, but we have quickly grown our income a...

FullYellowJacket

Klangfool, We currently don't have any amount saved for the down payment, because we just spent a significant amount on the DP for our current condo. That is apart of the 150k in proceeds I would expect from selling. I think we could have 200k + whatever money from selling for a DP saved up in seven...

FullYellowJacket

1) The new 22% federal bracket, 9.3% state bracket. 2) Less 401(k) contribution means more cash-in-hand, even at a combined 31.3% marginal rate. 3) That's what we are doing, but i wouldn't mind having more cash-in-hand come house shopping time. Really we are looking at "boosting" after tax savings. ...

FullYellowJacket

Hi all, DW and I purchased a condo in LA a few years ago, and leading up to the purchase we dropped our 401(k)s down to the level where we would get company matches, but no more. This accelerated our savings to the point where we had enough of a DP to purchase a condo that we felt was below market v...

FullYellowJacket

I made an unscheduled purchase for our Roth IRAs today. I thought about it on Friday, but I am glad I held off one more day!

FullYellowJacket

My reasonings for wanting to tackle this are more personal than professional. I'm a Materials Engineer, so actually needing to know advanced math beyond statistics and manipulating rate equations is questionable. What I think this is going on is I am having an early mid-life crisis, where I regret n...

FullYellowJacket

if you are interested in the physical meaning of flux, that is more like what some physics courses teach. It takes some vector calculus, which is beyond the first-year calculus required of many students, so many physics programs take some time out to teach that bit of math inside the physics course...

FullYellowJacket

How deep of an understanding do you need? It sounds like you might want an undergraduate Real Analysis course. You start really basic, recreating all aspects of math (literally addition and subtraction), and culminate with definitions of derivatives and integrals. Real Analysis is not basic at all-...

FullYellowJacket

Do not learn calculus from an engineer. Fortunately the things engineers have to deal with are relatively benign. If they weren't the entire built world would vanish in an uncountable number of infinite discontinuities. To be fair you should not learn engineering from a mathematician. They spend fa...

FullYellowJacket

This depends on what you want to learn and what you mean by "from the ground up". The foundations go well below ground level and get deeper every decade. You don't need to go all the way down to have a good understanding. In my experience a "calculus" course is a mathematical methods course. It tea...

FullYellowJacket

ThriftyPhD wrote: ↑
Fri Feb 02, 2018 12:02 pm

FullYellowJacket wrote: ↑
Fri Feb 02, 2018 11:21 am
So far I am starting with Spivak's Calculus.
*cringe*

Why so? From what I have read it's one of the best, but perhaps a little dense.

FullYellowJacket

Anything that involves a lecturer is probably a non-starter for me, unfortunately. I'll keep the youtube channel in mind.

FullYellowJacket

Hi everyone! I've decided to go on a personal endeavor to relearn calculus from the ground up. I've realized in the past few years that I am a product of the 2000s USA education system, and I only know how to solve Calculus problems. The issue is I don't understand the why behind a lot of it. This r...

FullYellowJacket

Statements such as: "I'm going to rent for now and wait for the market to crash before I buy a home". I see these sentiments specifically for VHCOL locations such as SF, LA, NYC.

FullYellowJacket

I can say that in Los Angeles, the market has no where near peaked. All cash offers are still rolling in. 2 BR/1BA fixer uppers are quickly selling for 800k (or more) in the right neighborhood. DW and I purchased a condo a few years ago, and we think we should have stretched to a SFH.

FullYellowJacket

I performed some quick excel analysis. It looks like a 28 year old making $55,000 just starting a 401(k) needs to contribute about $9,765 real per year until age 65, keeping up with inflation in order to have a $1MM 401(k). 4% real rate assumed. This assumes a 4.5% 401(k) employer match. This is abo...

FullYellowJacket

I wonder what percentage of people with access to a 401k are maxing it out though? It's got to be low single digits. The median household income in the US is ~$55k. As a family income there is no way most people can max out a 401k. Mr. Money Mustache, Justin from Root of Good, the 'Frugalwoods' fam...

FullYellowJacket

If I include my Rollover IRA that was built through a 401(k) plus my current 401(k), I am projecting an age 65 nominal balance of $3,902,828.13 given a 6% nominal growth rate and 2% inflation. That's $1,941,577.202 real (2018 dollars). If I include potential employee match it will be well over $4MM ...

FullYellowJacket

The bank assessor appraised it around $410K (if memory serves). But I'm not sure how much stake to put into that, since I suspect the mortgage broker / bank / appraiser probably have a way of getting things to appraise the way they want them to, unless the value was significantly less than the targ...

FullYellowJacket

I'm going to wait until the IRS and maybe some third party websites publish updated withholding calculators. If I overpay the first few months of 2018 that is OK.

FullYellowJacket

The only thing I can think is that perhaps you should consider Roth conversions of that tax deferred money up to the top of the 15% bracket until SS kicks in and your tax bracket may go up. Thanks, but I think I'm squarely in the 25% bracket from now until eternity. Not a bad problem to have! :shar...

FullYellowJacket

The only thing I can think is that perhaps you should consider Roth conversions of that tax deferred money up to the top of the 15% bracket until SS kicks in and your tax bracket may go up.

Edit: Congratulations! Above assumes you are retiring.

FullYellowJacket

I have a firm belief in understanding things you take a stance on. If you think annuities are bad, one should take the time to understand them. Having said that, I got 36/38 missing the two questions on who pays the most for LTC and what % needs LTC. I did know that the largest burden of elderly car...

FullYellowJacket

Looks like California still has reasonable health care prices. If we did not have employer insurance it looks like we would be paying 800 per month for a bronze health plan for a family of 3.

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