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Wings5

Thanks everyone. It’s the little things that make the forum so helpful.

Cheers!

Wings5

Hello Everyone, What's a normal commission rate to sell vested RSUs? Just received my first vesting of company shares through Fidelity, and there's a $33 commission to sell. It's about 1% of the shares. In subsequent years the share volume may go up, so I'm wondering if that commission will increase...

Wings5

Which line on the 1040 are you referring to?

Wings5

Free Fillable Forms wasn’t able to accept all the data I needed to enter. I had make-up 401k contributions that are protected under USERRA.

Wings5

life in slices wrote: ↑Fri Jan 22, 2021 12:20 pm My most recent favorite read was Morgan Housel’s “The psychology of money”

Another vote for Housel's book. It's very interesting and helps lay the mental foundation necessary to stay the course.

Wings5

I started with my current employer about 6 months after graduating college. There were several people in their sixties who held a substantial amount of company stock, but it had dropped significantly in value. I was young enough that it would not have hurt me to take a chance on it through our ESPP....

Wings5

This looks similar to Cisco. At its current growth rate, Tesla would be larger than the entire U.S. economy by around the summer of 2027.

Wings5

Just finished Tribe: On Homecoming and Belonging , by Sebastian Junger. I actually listened to it on Audible, and it’s an interesting discussion about unity and loyalty within groups. He discusses the psychological benefits of being part of a group and feeling a sense of belonging. There are several...

Wings5

Thanks for the critiques everyone. We’re going to: -Pay off the car loan -Switch to VTSAX in the Roth IRAs, and move bond allocation to VBTLX in traditional 401k. -Be thankful Duckie, thanks for the AA layout. I made a few small tweaks but that was very helpful. Much appreciated! 2. I’m a bit co...

Wings5

Here are a few: -Signed a lease for a nice car right out of college. $3,000 down and $225/month, with about 12,000 miles a year. Went way over, had to buy it. A used Honda Civic would have been a much better choice. -Graduated college with minimum student debt relative to my salary. Got talked into ...

Wings5

Hello We found Bogleheads a few years ago, and we’re thankful to the forum for helping us get our house in order. Our IPS calls for rebalancing here shortly and we’d appreciate your thoughts prior to adjusting. It seems we may have hit the boring stage, which might be a good thing. The portfolio and...

Wings5

Bill2020 wrote: ↑Fri Dec 04, 2020 4:21 pm Ask the lender if you can Docusign everything.

I'm assuming you've done that. Does that process involve any visit to the title company?

Wings5

Thanks everyone! This is such a great forum.

Wings5

DW and I are planning to close on a refinance, but I will be out of the country during the closing. I'm the only one on the loan and we're both on the title (we're in Texas). We're planning to get a power of attorney for her to close on the refi. I looked around but didn't find much about it. Is thi...

Wings5

Google Sheets. Pretty basic.

I’m curious: What’s the point of all the simplicity if you’re method of tracking is rather complicated?

Wings5

If it’s stressing you out maybe you should adjust. Is there something dogmatic about 30% for you? Would 25% help you sleep better? 30%*$65,000=$19,500 - does it look familiar? Now that you point it out, yes. But again, if a somewhat random number put forth by the IRS is causing someone to stress, t...

Wings5

No. We’ve had conversations about it, but it would only be gravy. If anything it might turn into some large donations.

Wings5

A Walk in the Woods by Bill Bryson....his account of hiking the Appalachian Trail. ... I recommend it. Good fun. I recently gifted a copy of his other book, One Summer, to a friend. It’s an entertaining account of the summer of 1927 in America. Many of his books are enjoyable reads. Thanks for the ...

Wings5

If it’s stressing you out maybe you should adjust. Is there something dogmatic about 30% for you? Would 25% help you sleep better?

Wings5

protagonist wrote: ↑Sat Oct 17, 2020 10:44 am A Walk in the Woods by Bill Bryson....his account of hiking the Appalachian Trail.
...
I recommend it. Good fun.

I recently gifted a copy of his other book, One Summer, to a friend. It’s an entertaining account of the summer of 1927 in America. Many of his books are enjoyable reads.

Wings5

The White Coat Investor

Wings5

What is there to do? DFW is the 4th largest metro area in the US, after NYC, LA, and Chicago; I've been to the other 3 and could give you endless lists of things to do. It looks like Fort Worth is on the boring corner of DFW. Lived here all my life and I can’t remember the last time I saw a gun rac...

Wings5

We know what we know, and we know what we don't know.

We're happy to DIY on plenty, and we're happy to pay for other things. Really just depends.

Wings5

Spent my early 30s staring at my accounts somewhat frequently. A few years later the accounts provide some peace of mind, but I wish I'd spent more time outside with the kids earlier on. We spend less than average for our income and invest more than average. I wouldn't get too wrapped up in dollar a...

Wings5

I’ve found that focusing on followership has been valuable.

We spend most of our lives as followers, but focus heavily on leadership. If you want to lead, learning how and why you follow others can be just as insightful.

Wings5

I like to be comfortable, but a $40,000 car isn't 3x more comfortable than my used Corolla. The right 40k car certainly is. I’m chuckling and not trying to quibble, but what kind? I can think of a car that’s three times more comfy than a Corolla. They’re both air conditioned, keep the rain out, hav...

Wings5

Military pilot here. I earned a few civilian ratings prior to commissioning. Chairfly, chairfly, chairfly! This is the easiest way to save money and maximize your flight training. If you can't walk through a procedure on the ground sitting in a chair, it will be difficult, expensive, and frustratin...

Wings5

LenderFI would not entertain a second application after we backed out in April.

Wings5

Military pilot here. I earned a few civilian ratings prior to commissioning. Chairfly, chairfly, chairfly! This is the easiest way to save money and maximize your flight training. If you can't walk through a procedure on the ground sitting in a chair, it will be difficult, expensive, and frustrating...

Wings5

They all get you from point A to point B, with a few overpriced accouterments available. I try to spend as little as possible. Safe and boring driving.

I like to be comfortable, but a $40,000 car isn't 3x more comfortable than my used Corolla.

Wings5

Location: TX Current: 400k remaining on 30 year fixed at 3.25% - 29.5 years left LTV: 77% Better 20 year fixed 2.5% (A + B + C + E = $6800) Better 30 year fixed 2.75% (A + B + C + E = $6900) Each has a fair amount of points (~$3k) Is this par for the course? I can go into Better and change my rate &...

Wings5

Has anyone who used Better.com for a refi been able to close in 3-4 weeks from applying and signing an intent to proceed? Did you have any hassle if you chose your own title company? We just refinanced with NBKC this summer and we're looking at refinancing again. Better.com shows possible closing da...

Wings5

Our income can be very irregular since we work multiple jobs with bonuses and overtime. I start paying attention halfway through the year and plan out my best estimate on what we're making and where our taxes are. Generally speaking, I try to overpay slightly and use this as a savings fund. When the...

Wings5

I enjoy the Harvard Business Review publications. We get the magazine for free through the library, and we own several of their Must Read books. I'm not sure what you mean by the political sphere, but James Mattis' new book is excellent from a strategic standpoint. Emotional intelligence should be t...

Wings5

+1 for the burr grinder right out of the gate. You may save like $8 by getting the blade grinder, then then you'll have a sunk cost and not want to spend $50 worth on two grinders.

Wings5

bikesandbeers wrote: ↑Tue Jul 14, 2020 9:52 pm We have dual flush Kholers, 1.6 for a full flush, 1.1 on the liquids only flush. Never had a probelm with them.

Same here in our family. We actually had the old 3.5 gpf toilets. The new one has been fantastic and it should pay for itself in 10 months with the reduced water bill.

Wings5

That has been there for a while. I want to say I even saw it in 2019 for 2020.

Wings5

We've been keeping about 9 months in a CU checking account that earns 4% interest on the entire balance, provided we make 15 debit card transactions each month. We only use the card for those transactions, and parcel out things that we're buying already. Since we're in the 22% bracket, that's a 3.78...

Wings5

I won’t get specific because things happen to everyone at different ages, and there will be hundreds of others chiming in anyway.

Simply recognizing the importance of personal finance is probably the biggest milestone and you’ve already made it. Nice job!

Wings5

For what some people spend you could have a paid for degree, then check the “experience” box with one heck of a gap year bender.

Wings5

Cosmic Pony wrote: ↑Sat May 09, 2020 10:28 pm They are taking the risk of losing state licensing very seriously. The barber said he got an anonymous phone call asking if he was doing haircuts and he was suspicious it was someone trying to bust him. Strange times.

Never realized that barbers were licensed and regulated. That's interesting.

Wings5

Interesting looking at the previous poster’s name.

I bought Trader Joe’s Hefeweizen and summer beers. Saved $8 over what I would’ve paid for premium craft.

Wings5

We were able to get a 3.25% 30 year, no cost refi with no appraisal. I'm trying to think like a Boglehead - keep it simple, and that's good enough.

Wings5

Give yourself options Shop around for a new lender, try to get that rate lock or better. If you get that, then start the process with that lender... I missed an offer for a no appraisal refi with a higher rate. Currently shopping around and one loan officer says the appraisal waiver comes after I a...

Wings5

It would be about $30k; we’d rather keep extra cushion on on hand at least for a few months. Hence my option to pay it down within 12-24 months, so we’d likely only pay PMI for that long.

Wings5

Thanks! We are stuck with this appraisal with this lender, but I’m assuming switching lenders we could use a new one and wouldn’t be locked into the old appraisal? Edit to add the rate is locked at 2.875 and won’t change due to low appraisal, it just adds PMI. Maybe that’s what you meant by higher r...

Wings5

We purchased a new-to-us home last year for $516,000 on a 30 year at 80% LTV. We've paid it down to 77% and started a refinance to a 20 year @ 2.875% a few weeks ago. The appraisal just came back at $460,000 which means we'd have to pay PMI; the new numbers work out to about 87% LTV. The tax rolls a...

Wings5

JBTX wrote: ↑Sat Apr 11, 2020 10:24 pm
Wings5 wrote: ↑Sun Apr 05, 2020 6:58 pm Glad to read that, Rick. Very well-said and to the point. Hopefully more than a few folks find it up there in Collin County!
Collin County?

The linked magazine is Living Well: Collin County edition.

Wings5

Glad to read that, Rick. Very well-said and to the point. Hopefully more than a few folks find it up there in Collin County!

Wings5

Lately it’s been Karbach here in DFW. Trader Joe’s Hefeweizen is solid for a decent price.

For anyone in the Fort Worth area, Rahr has $6 six-packs and $20 cases right now at a drive up. You can mix and match 4 sixers, but limit is one case per day. I stocked up recently.

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