Search found 196 matches

by noraz123
Sat Nov 24, 2018 1:21 am
Forum: Personal Consumer Issues
Topic: ESPN plus subscription question
Replies: 10
Views: 1048

Re: ESPN plus subscription question

Anyone here familiar with espn plus subscription? Does it allow you to watch all the NBA basketball games and college basketball games? Also, is it easy to cancel subscription at any time? I have an ESPN+ subscription and quite like it. But it does NOT give you access to what is aired on their TV c...
by noraz123
Fri Nov 23, 2018 1:57 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 257
Views: 18408

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

Thanks. Just picked this up at WM. Great price.
by noraz123
Mon Nov 19, 2018 11:10 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15063

Re: Black Friday 2018

I just bought 2 Vizio 4k UHD TVs from Costco. The Black Friday sales started last weekend. I did the same. Wasn't planning on buying anything, but my 7 year old TV stopped working a couple weeks ago. I figured it was a good time upgrade anyways, and Costco's sale had begun. Trying to fix the old on...
by noraz123
Tue Oct 09, 2018 11:46 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 9107

Re: Finally Cutting the Cord - YouTube TV

Sony Vue (no playstation needed) has the best picture quality. Very intuitive UI and features on Amazon Fire TV. Great channel lineup. We have all locals except ABC. Not sure why ABC hangs out there. Grade A The sad thing is, there are only 500k subscribers to Vue. Sony is mulling over shutting it ...
by noraz123
Wed Sep 26, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 46
Views: 3456

Re: How to buy a mattress

I highly recommend checking out The Mattress Underground - https://www.themattressunderground.com/. It is a very good, independent mattress review website and forum. Think of it as the Bogleheads site for people looking to buy mattresses. There is a wealth of information on Mattress Underground. Mor...
by noraz123
Tue Sep 11, 2018 10:57 am
Forum: Investing - Theory, News & General
Topic: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars
Replies: 53
Views: 4838

Re: Barron's--Vanguard Is Losing Battles on Two Fronts in Fee Wars

As DeMaso points out, the Vanguard 500 Index fund and Total Stock Market Index fund (VTSAX) had combined assets of $12 billion. Vanguard reported costs of $16.8 million that year. In 2017, there was $1.3 trillion invested in those funds, and Vanguard reported costs of $551 million. Sure, the funds ...
by noraz123
Sat Aug 18, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: Info on Al-Farabi Kazakh National University
Replies: 28
Views: 2574

Re: Info on Al-Farabi Kazakh National University

Perhaps he would consider enrolling in an American university, then studying abroad in Kazakhstan for a full year. +1 to this. Another option would be to spend a gap year (or less) in Kazakhstan to learn language and see if this is indeed the right choice. I would think that your son's employment a...
by noraz123
Mon Apr 16, 2018 2:34 am
Forum: Investing - Theory, News & General
Topic: China Hustle Movie
Replies: 35
Views: 5366

Re: China Hustle Movie

Thanks for posting, I will be watching this later this week! This hits home for me. In 2010, I helped a friend from business school who ran an Emerging Markets fund at a mid-size money manager launch his own emerging markets hedge fund. It was a quant-oriented fund, and the fraud in these reverse me...
by noraz123
Fri Apr 13, 2018 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 97
Views: 12535

Re: Wanting to leave Fidelity

I'd stick with Fidelity, or if you move, go with Schwab. I have accounts at all three. Other than low cost funds, Vanguard doesn't outshine the others. I have found customer service to be much better at both Fidelity and Charles Schwab.
by noraz123
Mon Mar 26, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting Appreciated Stocks to Grandparent to pay Child's Private School Tuition
Replies: 127
Views: 8768

Re: Gifting Appreciated Stocks to Grandparent to pay Child's Private School Tuition

Let's put it this way - is the $40k you'd save on taxes enough to pay for the lawyers you'd have to hire to maybe convince the IRS that this isn't what you're doing? I'm guessing not. I think that's the wrong way to look at it. In this case, it seems to be a step transaction, but in areas where it ...
by noraz123
Sat Mar 24, 2018 12:31 am
Forum: Investing - Help with Personal Investments
Topic: Kaiser doctors, get in here :)
Replies: 4
Views: 1999

Re: Kaiser doctors, get in here :)

My wife works at Kaiser North California (TPMG), and the retirement benefits are excellent. She maxes out her 401k and does the mega backdoor Roth IRA, too. She has yet to take advantage of the deferred compensation plan,but we're looking into that as well. No idea how many Kaiser docs are on this f...
by noraz123
Fri Mar 23, 2018 10:32 pm
Forum: Investing - Theory, News & General
Topic: Pls Help me understand 2018 SALT deductions.
Replies: 17
Views: 2147

Re: Pls Help me understand 2018 SALT deductions.

The Wizard wrote:
Fri Mar 23, 2018 10:21 pm
...and what does "forging standard deduction" mean?
I assume the OP meant forgoing.
by noraz123
Tue Mar 20, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: ZVOX AccuVoice TV speaker
Replies: 3
Views: 405

Re: ZVOX AccuVoice TV speaker

I have a ZVOX speaker - the ZVOX 550. It is probably 10 years old but I love it. It's a single speaker, handles both high/low frequencies (ie, is both the bass and higher sounds). It replaced my stereo speakers, when I bought an Apple TV, which then replaced my stereo. I cannot speak for the AccuVoi...
by noraz123
Sat Mar 17, 2018 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Help with how to respond to CP2000.
Replies: 28
Views: 3899

Re: Help with how to respond to CP2000.

Thanks for the details. I saw that option in TT and read somewhere about it, but didn't look too deeply. I just assumed that you were still required to send in an attachment listing each transaction... If you file by mail, this is true. But if you file electronically, you don't send in 1099s. Perha...
by noraz123
Sat Mar 17, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 42374

Re: [What UN-frugal thing do you do? What do you splurge on?]

I bought a powerball lottery ticket today. Less with the hope of winning, and more the fun I have daydreaming of what I could do if I won... Backdoor Roth IRAs ($5500 or $11000 if married) would seem trivial compared to >$100m. But pretty sure I'd still do it. I will buy a ticket once or twice a yea...
by noraz123
Sat Mar 17, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Exercise ISOs or walk away?
Replies: 20
Views: 1956

Re: Exercise ISOs or walk away?

Thanks. This is getting to the heart of the question. I often see Bogleheads advise people against thinking they can predict price movements of individual stocks that they have knowledge about because they have worked at the company or in the industry. 2 usual reasons: 1) overconcentration of risk ...
by noraz123
Fri Mar 16, 2018 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Exercise ISOs or walk away?
Replies: 20
Views: 1956

Re: Exercise ISOs or walk away?

There is one other thing to consider when you think about "losing it all." Should the company ever go bankrupt/out of business, your loss becomes a capital gain loss. You can use this to offset future gains, or use a carry forward and deduct $3K/year of income. So there is some "upside to the downsi...
by noraz123
Fri Mar 16, 2018 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help with how to respond to CP2000.
Replies: 28
Views: 3899

Re: Help with how to respond to CP2000.

... btw, for a lot of transactions, TT will import a .txf file. For simple cases, you can create a .csv file and convert it to a .txf file using this site http://www.easytxf.com/ This is a pro tip! Thanks. Hoping that I won't need this going forward, but VERY nice to know it is an option if needed.
by noraz123
Fri Mar 16, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Help with how to respond to CP2000.
Replies: 28
Views: 3899

Re: Help with how to respond to CP2000.

In your and OP's cases, was the transaction reported on the original return at all? I.e. did you include it with the correct basis and the IRS complained and changed it to 0, or was it left off completely due to an oversight and the IRS caught it and just assigned a default basis of 0? I can see th...
by noraz123
Thu Mar 15, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Exercise ISOs or walk away?
Replies: 20
Views: 1956

Re: Exercise ISOs or walk away?

The big open question is whether they would ever be worth anything. The shares will be completely illiquid unless the company went public or sold. They could go to zero without ever becoming liquid. The company refuses to provide any information about fair value, number of shares outstanding, or di...
by noraz123
Wed Mar 14, 2018 1:29 am
Forum: Investing - Help with Personal Investments
Topic: Help with how to respond to CP2000.
Replies: 28
Views: 3899

Re: Help with how to respond to CP2000.

May I know what was your response? Did you end up paying the full amount, part of it, or none of it? I can't speak for Easy Rhino, but I had the exact same issue last year. I had two issues actually - the irs seeing $0 cost basis when it wasn't and I also missed reporting $80 of dividends. I wrote ...
by noraz123
Sun Mar 11, 2018 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Switching jobs - out of luck with unspent (dependent care) FSA?
Replies: 14
Views: 1982

Re: Switching jobs - out of luck with unspent (dependent care) FSA?

I've never heard of this rule before. Why don't you submit the claim? Worse thing is that you get rejected. I think that I will do just this. However, there is a downside in that if there were no dependent care FSA, I likely wouldn't use any nanny or short term help. We have a daycare provider that...
by noraz123
Sun Mar 11, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Switching jobs - out of luck with unspent (dependent care) FSA?
Replies: 14
Views: 1982

Switching jobs - out of luck with unspent (dependent care) FSA?

My wife is due any day now with our first child. To save on taxes, I signed up for a dependent care FSA account at the beginning of the year. In retrospect, this was a mistake, as I now know that I could/should have signed up after the child was born. To compound matters, I am going to be switching ...
by noraz123
Mon Mar 05, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor Roth - tax reporting question - no 1099-R?
Replies: 7
Views: 1199

Re: Mega Backdoor Roth - tax reporting question - no 1099-R?

I have to say this is a problem with Fidelity. It is NOT obvious how to find the 1099-R. And to compound matters, it doesn't show in the main Fidelity.com site, even though it is linked. If anyone like me has trouble finding this, I recommend contacting Fidelity support rep. I was able to use the ch...
by noraz123
Sun Mar 04, 2018 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Best way to short the equity market
Replies: 97
Views: 6984

Re: Best way to short the equity market

... Diversification into multiple index funds won't save me from a multi-year bear market (systematic risk/market risk) it will only reduce my Unsystematic risk. If you want to remove yourself from systematic risk, one option would be to get out of the system - don't hold any equities. While not as...
by noraz123
Sat Mar 03, 2018 11:18 am
Forum: Investing - Theory, News & General
Topic: Fully Fund IRA before Taxable or Avg over year?
Replies: 10
Views: 750

Re: Fully Fund IRA before Taxable or Avg over year?

MotoTrojan wrote:
Fri Mar 02, 2018 1:08 pm

This. If investing >$66K/yr I assume you are doing a backdoor Roth, otherwise no other form of IRA really makes sense.
I think that you may have misread OP's question. I think that he is talking about investing $5500/year, not per month (which is $66K/year).
by noraz123
Fri Mar 02, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: Comparison of On-Demand TV Provider features
Replies: 13
Views: 945

Re: Comparison of On-Demand TV Provider features

Even though I would recommend leaving Comcast for Sonic, with the new competition, Comcast is likely to negotiate more. It may be easiest to save yourself any switching and call Comcast retention department for any discounts. With that said, there are a slew of TV providers that are internet-based, ...
by noraz123
Tue Feb 27, 2018 1:07 am
Forum: Investing - Theory, News & General
Topic: Limits of index funds vs active funds in down markets?
Replies: 34
Views: 3086

Re: Limits of index funds vs active funds in down markets?

The author takes the position that active funds may perform better than index funds in down markets in part bc managers can keep more cash on hand than do index funds. I don't think that this is mathematically possible. William Sharpe said it best: If "active" and "passive" management styles are de...
by noraz123
Fri Feb 23, 2018 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Purchase Plan - is this even valuable/worth it?
Replies: 34
Views: 3123

Re: Employee Stock Purchase Plan - is this even valuable/worth it?

Also remember that the benefit occurs twice a year. Combined with the time weighted average mentioned above, my back of the napkin calculations says you would need about a 22% yearly rate on the 10% cash reserved from your salary in order to gain the same benefit of 1/(1-.05) once every six months....
by noraz123
Wed Feb 21, 2018 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Purchase Plan - is this even valuable/worth it?
Replies: 34
Views: 3123

Re: Employee Stock Purchase Plan - is this even valuable/worth it?

Also remember that the benefit occurs twice a year. Combined with the time weighted average mentioned above, my back of the napkin calculations says you would need about a 22% yearly rate on the 10% cash reserved from your salary in order to gain the same benefit of 1/(1-.05) once every six months....
by noraz123
Wed Feb 21, 2018 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Purchase Plan - is this even valuable/worth it?
Replies: 34
Views: 3123

Re: Employee Stock Purchase Plan - is this even valuable/worth it?

codedude wrote:
Wed Feb 21, 2018 7:57 pm
You need to be disciplined about the selling immediately part. In my pre-bogleheads days, I would not pay attention and keep the stock and take unneeded risks, which is a no-no.
Agreed! A good portion of my compensation will be Megacorp stock, so all the more reason to sell as soon as possible.
by noraz123
Wed Feb 21, 2018 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Purchase Plan - is this even valuable/worth it?
Replies: 34
Views: 3123

Re: Employee Stock Purchase Plan - is this even valuable/worth it?

triceratop wrote:
Wed Feb 21, 2018 7:06 pm
The dollar-weighted average amount of time you do not have access to your funds is 3 months. The risk-free 3-month rate is currently 1.64%. I would do it.
Thanks. Much appreciate the advice. :sharebeer
by noraz123
Wed Feb 21, 2018 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Purchase Plan - is this even valuable/worth it?
Replies: 34
Views: 3123

Employee Stock Purchase Plan - is this even valuable/worth it?

My (very likely) potential employer has an ESPP. I am trying to evaluate if it is worthwhile. The details: Stock is purchased at a 5% discount Stock is purchased twice year Stock purchase price is the lowest intraday price for the day of purchase I can sell the next day after purchase I can contribu...
by noraz123
Wed Feb 21, 2018 6:42 pm
Forum: Investing - Theory, News & General
Topic: Any downside to back-door Roth regardless of income?
Replies: 12
Views: 1292

Re: Any downside to back-door Roth regardless of income?

If your end goal is to make a Roth contribution, then this might make it easier. But I could imagine some people being at threshold and preferring to make a traditional IRA contribution vs. Roth, as they hope/expect to be in a lower tax bracket when making withdrawals. I don't disagree but it's the...
by noraz123
Wed Feb 21, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: Potential employer wants me to give offer - how to respond?
Replies: 63
Views: 7291

Re: Potential employer wants me to give offer - how to respond?

I wanted to give an update. I gave my numbers, 30% more in total compensation. They agreed , and looks like I will be joining Megacorp, albeit I am now waiting on formal written offer. I imagine you are having second thoughts about what you proposed, since they agreed with no modifications or pushb...
by noraz123
Wed Feb 21, 2018 6:11 pm
Forum: Investing - Theory, News & General
Topic: Any downside to back-door Roth regardless of income?
Replies: 12
Views: 1292

Re: Any downside to back-door Roth regardless of income?

I was wondering, is there any reason not to simply make a non-deductible traditional IRA contribution, immediately convert to Roth, and file your relevant tax forms at the end of the year? Maybe you end up making less than the threshold, maybe more, but if you do it this way it doesn't matter, righ...
by noraz123
Wed Feb 21, 2018 1:45 am
Forum: Investing - Help with Personal Investments
Topic: Whole life->variable life or cash out
Replies: 4
Views: 581

Re: Whole life->variable life or cash out

If the taxes wouldn't be such a big deal, it wouldn't be worth the trouble and opportunity cost of rolling it into another bad investment. +1 to what Pajamas said. If the cash value is only $6K, at worst you would only pay taxes on that. However, when calculating taxes, I believe that you can subtr...
by noraz123
Wed Feb 21, 2018 1:16 am
Forum: Personal Consumer Issues
Topic: Potential employer wants me to give offer - how to respond?
Replies: 63
Views: 7291

Re: Potential employer wants me to give offer - how to respond?

I wanted to give an update. I gave my numbers, 30% more in total compensation. They agreed, and looks like I will be joining Megacorp, albeit I am now waiting on formal written offer.

Thanks everyone for the help and advice, much appreciated.
by noraz123
Thu Feb 15, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Potential employer wants me to give offer - how to respond?
Replies: 63
Views: 7291

Re: Potential employer wants me to give offer - how to respond?

FoolMeOnce wrote:
Fri Feb 09, 2018 3:47 pm

So.....what happened? "Enquiring minds" and all.
I gave them numbers 30% more, and am now waiting to hear back. Things move slowly at megacorp. :happy
by noraz123
Mon Feb 05, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Potential employer wants me to give offer - how to respond?
Replies: 63
Views: 7291

Re: Potential employer wants me to give offer - how to respond?

As mentioned, I sent a note yesterday saying that I would consider total compensation, not tied to any number, etc. They replied back with this: Next steps are you just need to let me know what comp package (base/sign on/RSU combo) it would take for you to make the move. Have you decided yet? I'm th...
by noraz123
Mon Feb 05, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Potential employer wants me to give offer - how to respond?
Replies: 63
Views: 7291

Re: Potential employer wants me to give offer - how to respond?

I've hired a lot of people over time (not on the HR side) and once you come in with a certain salary level-set, getting an adjustment in many companies is very very hard so it's best (for the employee) to come in as high as possible with leverage Agree. Also, Megacorp in this case is not well known...
by noraz123
Sun Feb 04, 2018 11:38 pm
Forum: Personal Consumer Issues
Topic: Potential employer wants me to give offer - how to respond?
Replies: 63
Views: 7291

Re: Potential employer wants me to give offer - how to respond?

How about telling your current employer that Megacorp has approached you, then see if you can't get a salary bump to stay with your employer ? My personal philosophy is to never, ever take a counter-offer. Either don't look for new work (and ignore recruiters), or else know what you need to make a ...
by noraz123
Sun Feb 04, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Potential employer wants me to give offer - how to respond?
Replies: 63
Views: 7291

Potential employer wants me to give offer - how to respond?

I recently interviewed with Megacorp, and things have gone well. They have said they'd like to make an offer. However, instead of making an offer, they asked "what it would take" for me to join. Essentially, they want me to throw out the first offer. I am not sure what to say. I do not want to give ...
by noraz123
Wed Jan 31, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Indexed Universal Life Question
Replies: 15
Views: 1672

Re: Indexed Universal Life Question

A note of congratulations. 5 years to breakeven is excellent. This is the best (shortest) breakeven periods of which I have ever heard for any cash value life insurance policy. My own permanant life policies are 20 years to breakeven (not including inflation). This. Moreover, since you already at b...
by noraz123
Sat Jan 27, 2018 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Holding stock in certificates --> good reasons to do this?
Replies: 15
Views: 1538

Re: Holding stock in certificates --> good reasons to do this?

I was surprised at Celia's comment. The fact he is a trust and estates attorney in no way suggests he likely has a trust in his estate plans. Gill Gill - you are spot on. I spoke with my father today, and from what I can understand, he has no trust setup to avoid probate. I do believe that he has a...
by noraz123
Sat Jan 27, 2018 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Holding stock in certificates --> good reasons to do this?
Replies: 15
Views: 1538

Re: Holding stock in certificates --> good reasons to do this?

I have a lot in common with your father, being a trusts and estates attorney, an experienced investor and approaching the same age. While I have everything at Vanguard and Treasury Direct, I can understand his feeling of comfort having his stock holdings in paper certificate form. My father had his...
by noraz123
Thu Jan 25, 2018 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Holding stock in certificates --> good reasons to do this?
Replies: 15
Views: 1538

Holding stock in certificates --> good reasons to do this?

Background My parents are getting up in age (80+). My father manages the finances, albeit my mother knows how much and what they own. About 1/3 of my parents' portfolio is stock held in certificate (14 individual stocks). Also worth noting - my father is quite stubborn, and also an estate attorney ...
by noraz123
Sat Jan 20, 2018 5:37 am
Forum: Investing - Help with Personal Investments
Topic: RSU Income and IRA Eligibilty
Replies: 2
Views: 399

Re: RSU Income and IRA Eligibilty

My question is: Will my spouse and I be able to contribute to a Traditional IRA assuming the income generated from the RSUs is above $13,000 (we are both over 50)? Yes. If this is reported as w2 income. A second question is: Assuming the Traditional IRA is allowed, how long should we wait before co...
by noraz123
Thu Jan 11, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Account Proliferation - any tips to manage or combat?
Replies: 7
Views: 837

Re: Account Proliferation - any tips to manage or combat?

I select the same set of investments for all of our tax deferred accounts. Even if you have many accounts you can still try to minimize the number of different funds. Tyler - Agree. I do this when I can. However, another issue I had with the TD Ameritrade account is that there was a sales commissio...
by noraz123
Thu Jan 11, 2018 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Account Proliferation - any tips to manage or combat?
Replies: 7
Views: 837

Re: Account Proliferation - any tips to manage or combat?

My reason to do these type simplification activities is two-fold. As I age my mental faculties will decrease, I believe. Second, my estate will require much less effort to handle, as everything is at two institutions. Wife's accounts are held like mine as well. Broken Man - this is exactly this use...