Search found 334 matches

by financial.freedom
Wed Dec 14, 2016 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Donating appreciated shares to charity
Replies: 14
Views: 1753

Re: Donating appreciated shares to charity

The process at VG was a little more complicated than I anticipated for the following reasons: 1. They said my taxable account has to be converted to a brokerage account (not sure why or how this will affect my account in the future). 2. I'm scheduled for a set donation each year. For instance, one s...
by financial.freedom
Wed Dec 14, 2016 3:14 pm
Forum: Investing - Theory, News & General
Topic: FED Raises Rates - Sky Falls! Bond Prices are UP!
Replies: 34
Views: 7442

Re: FED Raises Rates - Sky Falls! Bond Prices are UP!

What's interesting to me is that folks on this forum state the market has things "priced in." It seemed the rate increase would have been priced in yesterday, yet markets are down today.
by financial.freedom
Fri Dec 09, 2016 11:17 am
Forum: Personal Consumer Issues
Topic: Should I fill out survey evaluation of my boss?
Replies: 53
Views: 5467

Re: Should I fill out survey evaluation of my boss?

Just say good things. For example: He/she always provides useful feedback and keen insight which have empowered me to make better decisions, improve my productivity, and perform my work with higher quality results and fully support team and organizational goals. He/she has offered this kind of good...
by financial.freedom
Fri Dec 09, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: Should I fill out survey evaluation of my boss?
Replies: 53
Views: 5467

Re: Should I fill out survey evaluation of my boss?

Just be nice to your boss. Give him good ratings like you would want from people reviewing you. A suggestion for improvement that they would agree with. Do not think for a second that an honest negative review will lead to a new and better boss leading your department. It will just lead to problems...
by financial.freedom
Wed Dec 07, 2016 11:15 am
Forum: Personal Consumer Issues
Topic: Should I fill out survey evaluation of my boss?
Replies: 53
Views: 5467

Re: Should I fill out survey evaluation of my boss?

The survey is by a third party called "survey monkeys," and they state that it is anonymous but I am very cautious for reasons mentioned above. Our group is pretty small, about 10-20 employees, but part of a much larger company . It appears that the survey is going to upper level managemen...
by financial.freedom
Tue Dec 06, 2016 10:52 pm
Forum: Personal Consumer Issues
Topic: Should I fill out survey evaluation of my boss?
Replies: 53
Views: 5467

Should I fill out survey evaluation of my boss?

We received a survey from administration that is for evaluating our boss. He is not very good at what he does, and he is vengeful against people who try to go against his wishes. For the most part, things are okay if I just do my job and keep my head down. It would be a better environment at work ov...
by financial.freedom
Mon Dec 05, 2016 2:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft is almost at 50,000 posts...
Replies: 62
Views: 6542

Re: livesoft is almost at 50,000 posts...

I've gained many pearls from livesoft on this forum, but wanted to share my favorite: Save time by putting school clothes on your children the night before. My wife thought I was crazy at first, until she witnessed how much easier it is than struggling with a toddler who does not want to get dressed...
by financial.freedom
Tue Nov 29, 2016 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Donating appreciated shares to charity
Replies: 14
Views: 1753

Re: Donating appreciated shares to charity

Great, thank you for the replies!
by financial.freedom
Sun Nov 27, 2016 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Donating appreciated shares to charity
Replies: 14
Views: 1753

Donating appreciated shares to charity

We've held the shares in taxable acct greater than a year, anything else we need to know? We'll get the charity account info and call VG tomorrow but any advice on how the process works or time it takes is greatly appreciated.
by financial.freedom
Sat Nov 26, 2016 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: More terror for newbies planning to TLH muni funds
Replies: 11
Views: 3058

Re: More terror for newbies planning to TLH muni funds

I don't see CA long term tax exempt or VG limited term tax exempt on the list; hopefully I'm in the clear.
by financial.freedom
Wed Nov 16, 2016 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for TLH Munis in Taxable?
Replies: 37
Views: 4081

Re: Strategy for TLH Munis in Taxable?

I pulled the trigger... Thank you all for the advice! Thank you to Grabiner for mentioning in previous threads going long with state fund and limited term for national munis. Thank you to whomever did the sleuthing to find that a fund distributing dividends daily is not subject to the above mentione...
by financial.freedom
Wed Nov 16, 2016 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for TLH Munis in Taxable?
Replies: 37
Views: 4081

Re: Strategy for TLH Munis in Taxable?

Oh, right. Still, give up 31 days by going to cash means giving up about $400-500 distribution (for about 220k in Munis). I think it makes more sense for us to exchange to CA Long Term and National Limited Term for that reason and also in case bonds go up. I know bonds are generally not volatile co...
by financial.freedom
Wed Nov 16, 2016 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for TLH Munis in Taxable?
Replies: 37
Views: 4081

Re: Strategy for TLH Munis in Taxable?

Oh, right. Still, give up 31 days by going to cash means giving up about $400-500 distribution (for about 220k in Munis). I think it makes more sense for us to exchange to CA Long Term and National Limited Term for that reason and also in case bonds go up. I know bonds are generally not volatile com...
by financial.freedom
Wed Nov 16, 2016 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Strategy for TLH Munis in Taxable?
Replies: 37
Views: 4081

Re: Strategy for TLH Munis in Taxable?

I think it makes sense to get the distribution, not sure if it matters before or after. I am a newbie, but I don't like the idea of moving it to cash for 31 days. This means giving up 2 months of distributions, about $800, for 3k of losses. Maybe there is something I'm missing?
by financial.freedom
Tue Nov 15, 2016 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Strategy for TLH Munis in Taxable?
Replies: 37
Views: 4081

Re: Strategy for TLH Munis in Taxable?

Great, thank you for the replies! Currently, MUB is up a little so maybe I will take a few days and see how things go.

Does anyone know how to calculate the proportion of Short term tax exempt and CA long term that equates to intermediate term? Is 50/50 a close enough approximation?
by financial.freedom
Tue Nov 15, 2016 1:35 am
Forum: Investing - Help with Personal Investments
Topic: Strategy for TLH Munis in Taxable?
Replies: 37
Views: 4081

Strategy for TLH Munis in Taxable?

We split our munis 50/50 in taxable between two funds: IntermTax-Exempt (VWIUX) and CA IntermTax-Exempt Fund (VCADX). After the drop in bonds today, we have about 2k loss in VWIUX and 1k loss in VCADX. Questions: 1. Usually for TLH I check a similar ETF before closing to make sure I'm booking a loss...
by financial.freedom
Tue Nov 08, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: FSA for childcare -- worth it? Issues?
Replies: 7
Views: 756

Re: FSA for childcare -- worth it? Issues?

Andyrunner wrote:Yes, I have done it for the past several years as daycare is 9k+ a year. If I can make 5k of that pre-tax all the better.


Thanks!
by financial.freedom
Tue Nov 08, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: FSA for childcare -- worth it? Issues?
Replies: 7
Views: 756

Re: FSA for childcare -- worth it? Issues?

travelnut11 wrote:Yes, it's a good deal. I think it saves $1250 in taxes if you're in the 25% tax bracket. Ours is through ADP and it's easy. I fill out a form, have my care provider sign it, upload the form and submit. The reimbursement is direct deposited into my bank account.


Great, thank you!
by financial.freedom
Tue Nov 08, 2016 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: FSA for childcare -- worth it? Issues?
Replies: 7
Views: 756

Re: FSA for childcare -- worth it? Issues?

miamivice wrote:I assume your spouse works?

The preschool can only be paid for via FSA if both parents are working. (Some exemptions regarding when one parent is actively looking for work (childcare during interviews only) or going to school).


Yes, spouse works full-time.
by financial.freedom
Tue Nov 08, 2016 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: FSA for childcare -- worth it? Issues?
Replies: 7
Views: 756

FSA for childcare -- worth it? Issues?

My company is offering a Flexible Spending Account (FSA) through VITA. It looks as though we can put $5,000 pre-tax into this account (about $192 per paycheck) and use the money to pay for childcare at preschool. Since the money is pretax, I think it makes sense. Is this a good idea tax-wise? Anyone...
by financial.freedom
Thu Oct 06, 2016 5:55 pm
Forum: Personal Consumer Issues
Topic: Is it ok to hire a contractor NOT licensed/bonded?
Replies: 11
Views: 1611

Re: Is it ok to hire a contractor NOT licensed/bonded?

Thank you for the replies! I like the idea of asking him to do the drywall and painting. Didn't think about permits. I will ask the electrician who is licensed/bonded if he should get permits for the work.
by financial.freedom
Thu Oct 06, 2016 12:56 am
Forum: Personal Consumer Issues
Topic: Is it ok to hire a contractor NOT licensed/bonded?
Replies: 11
Views: 1611

Is it ok to hire a contractor NOT licensed/bonded?

We need new lighting installed. It involves opening drywall, wiring, routing, patching drywall, sanding/ painting, and hanging a chandelier. We have three estimates and the person we like best does all the work himself, seems very thorough, has good references. But he is NOT licensed/bonded. Our sec...
by financial.freedom
Tue Oct 04, 2016 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Help for setting up online store
Replies: 4
Views: 500

Re: Help for setting up online store

What's your goal? Are you looking to create a complete business or have fun doing a hobby? If it's a business, you should put together a business plan. If it's a hobby, have you looked into on-demand services like Zazzle? Thank you for the reply. It's a hobby that may potentially turn into a busine...
by financial.freedom
Tue Oct 04, 2016 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Help for setting up online store
Replies: 4
Views: 500

Help for setting up online store

I have an idea for setting up an online store that fills a niche. I've researched that niche and do not see anything similar at this time. Have any Bogleheads had success setting up an online store selling T-shirts, mugs, art, etc. related to a specific niche? If so, do you have any advice?
by financial.freedom
Tue Sep 27, 2016 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Hiring a PR person/team to promote music business: worth it?
Replies: 13
Views: 1118

Re: Hiring a PR person/team to promote music business: worth it?

Do you know people in a similar genre who have achieved your goal without the work and sacrifices of going on the road and building an audience? If so, I would interview them and see what they did. As you know, the well worn path is playing live on radio stations, at clubs, and building an audience...
by financial.freedom
Tue Sep 27, 2016 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Hiring a PR person/team to promote music business: worth it?
Replies: 13
Views: 1118

Re: Hiring a PR person/team to promote music business: worth it?

My husband started a new music project and we've been trying to get the band off the ground as well. I'm no expert but $1,500 as an ongoing rate seems high. Do they guarantee a certain outcome if you sign up with them? The husband's band has two full-time musicians, so they've been doing the bulk o...
by financial.freedom
Tue Sep 27, 2016 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Hiring a PR person/team to promote music business: worth it?
Replies: 13
Views: 1118

Re: Hiring a PR person/team to promote music business: worth it?

My husband started a new music project and we've been trying to get the band off the ground as well. I'm no expert but $1,500 as an ongoing rate seems high. Do they guarantee a certain outcome if you sign up with them? The husband's band has two full-time musicians, so they've been doing the bulk o...
by financial.freedom
Tue Sep 27, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Hiring a PR person/team to promote music business: worth it?
Replies: 13
Views: 1118

Re: Hiring a PR person/team to promote music business: worth it?

How much are you making now selling your music online? Can you afford that much overhead? My songs are streaming online about 1,000 streams per week. Not much in terms of actual purchases. My goal is revenue of $200-500 per month but that may take 9-12 months. I think that goal could be obtained so...
by financial.freedom
Tue Sep 27, 2016 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Hiring a PR person/team to promote music business: worth it?
Replies: 13
Views: 1118

Re: Hiring a PR person/team to promote music business: worth it?

Thank you for the replies! Touring isn't feasible for me, but it seems songs are downloaded or streamed these days so I think that it would be possible to have a niche with online presence and maybe have a few shows locally.
by financial.freedom
Mon Sep 26, 2016 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Hiring a PR person/team to promote music business: worth it?
Replies: 13
Views: 1118

Hiring a PR person/team to promote music business: worth it?

I've been selling music online as an independent artist. It has been well-received but it's hard to reach a large audience. Since this is not my main job, I do not have time to tour or promote the album. It's expensive to hire someone for PR to get press and bring attention to the album, but it migh...
by financial.freedom
Thu Jul 28, 2016 9:42 pm
Forum: Personal Consumer Issues
Topic: What makes people succeed?
Replies: 98
Views: 10246

Re: What makes people succeed?

It's called "grit," some interesting studies on this trait and how it relates to successful people.
by financial.freedom
Tue Jun 28, 2016 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: How do I start a side job as a musician and avoid audit?
Replies: 15
Views: 1852

Re: How do I start a side job as a musician and avoid audit?

Thank you for the replies!

Based on my own research and the replies above, this is my plan so far:

1. business bank account and credit card

2. sole proprietor under my name

3. Set up tax ID number

4. Website, advertising, record/sell work
by financial.freedom
Mon Jun 27, 2016 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: How do I start a side job as a musician and avoid audit?
Replies: 15
Views: 1852

Re: How do I start a side job as a musician and avoid audit?

My husband has had a side job as a songwriter and voiceover artist for more than 15yrs now. He has made anywhere from 10-60k a year in side work. I'm not going to be much help with the tax side of things, we haven a cpa handle our taxes. The depreciation, royalties, and home office stuff was just t...
by financial.freedom
Mon Jun 27, 2016 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: How do I start a side job as a musician and avoid audit?
Replies: 15
Views: 1852

Re: How do I start a side job as a musician and avoid audit?

There are plenty of IRS guidelines about what constitutes a business vs. a hobby. Expenses up to income can be deducted in both cases. Losses may only be claimed for a business. A business must make a profit in three out of every five years. The IRS understands that many business will have startup ...
by financial.freedom
Sun Jun 26, 2016 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: How do I start a side job as a musician and avoid audit?
Replies: 15
Views: 1852

Re: How do I start a side job as a musician and avoid audit?

If you have losses for too long (don't recall the exact rule, you can Google it), your "business" will be considered a "hobby" by the IRS and you will run into trouble trying to deduct losses. If you make a profit, you can use some of those profits to fund a Solo 401k, assuming ...
by financial.freedom
Sun Jun 26, 2016 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: How do I start a side job as a musician and avoid audit?
Replies: 15
Views: 1852

Re: How do I start a side job as a musician and avoid audit?

Declare your side income using schedules C/SE on your tax return assuming you're not going to incorporate. The income reported this way can be used to contribute to Solo 401k. Keep in mind that the Employee salary deferral contribution limit of 18K (24K if age 50+)for solo 401k is shared across all...
by financial.freedom
Sun Jun 26, 2016 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: How do I start a side job as a musician and avoid audit?
Replies: 15
Views: 1852

How do I start a side job as a musician and avoid audit?

My hobby as a musician is becoming more serious. In part, it is because I have more money to buy the instruments I enjoy. Also, I am at a phase in my life that I'm getting closer to financial independence (maybe less than 10 years away depending upon several factors). In an ideal world, I'd like to ...
by financial.freedom
Thu Jun 02, 2016 4:57 pm
Forum: Investing - Theory, News & General
Topic: How long is the delay from IPO to TSM (Facebook)?
Replies: 7
Views: 1051

Re: How long is the delay from IPO to TSM (Facebook)?

Thank you for the replies! 19 months seems a long time to be included, but I guess not over the course of an investing career for a buy-and-hold BH index investor.
by financial.freedom
Thu Jun 02, 2016 10:00 am
Forum: Investing - Theory, News & General
Topic: How long is the delay from IPO to TSM (Facebook)?
Replies: 7
Views: 1051

How long is the delay from IPO to TSM (Facebook)?

When Facebook went public I thought about investing some "play money" in it (<5% of portfolio), but after reading threads on the forum decided it was not worth the risk. It is such a large company that it surprised me it was not a part of VG Total Stock Market fund at that time. Later down...
by financial.freedom
Fri May 27, 2016 3:10 pm
Forum: Personal Consumer Issues
Topic: How to buy a good used grand piano?
Replies: 35
Views: 4874

Re: How to buy a good used grand piano?

Thank you for all of the replies!

Great links for further reading too!

We are taking our time looking at different pianos, learning more, and hope to find one that fits our needs soon.

Thank you again!
by financial.freedom
Sun May 22, 2016 3:56 pm
Forum: Personal Consumer Issues
Topic: How to buy a good used grand piano?
Replies: 35
Views: 4874

Re: How to buy a good used grand piano?

I had a Yamaha baby grand for a while. Were I to do it all over again, I would go with a high-end electronic. Much smaller. Much cheaper. And it will stay in tune. As you probably know, grand pianos have about a million parts, many made of things like felt, wood, and leather. They are expensive to ...
by financial.freedom
Sun May 22, 2016 3:43 pm
Forum: Personal Consumer Issues
Topic: How to buy a good used grand piano?
Replies: 35
Views: 4874

How to buy a good used grand piano?

We're novices who like to play, want to get a piano for our child who will be starting lessons soon, and are thinking of budgeting 7-10k for a used baby grand piano. For that price, we have found several pianos online in our area. We liked the sound of a 6'1" Yamaha G3 piano we saw in a store f...
by financial.freedom
Tue May 10, 2016 3:46 am
Forum: Personal Finance (Not Investing)
Topic: How to choose homeowner's insurance?
Replies: 21
Views: 3144

Re: How to choose homeowner's insurance?

I always go back and forth with homeowners insurance. It sure seems like if you use it, your rates go up to the point where they want you to only use it in case of an extreme emergency (like maybe once every 10 years at most). If I use it for anything that isn't extremely expensive my rates would j...
by financial.freedom
Mon May 09, 2016 12:29 am
Forum: Personal Finance (Not Investing)
Topic: How to choose homeowner's insurance?
Replies: 21
Views: 3144

Re: How to choose homeowner's insurance?

boglerdude wrote:Chubb: High customer satisfaction, but expensive
Amica: Most popular here
USAA: 2nd most popular on this forum
State Farm: Decent reputation and often lowest price

Shop around for prices every year or two.


Thank you for the reply.

I checked Statefarm, will contact the others you mentioned.
by financial.freedom
Mon May 09, 2016 12:28 am
Forum: Personal Finance (Not Investing)
Topic: How to choose homeowner's insurance?
Replies: 21
Views: 3144

Re: How to choose homeowner's insurance?

When you obtain quotes on homeowner's insurance have all of the insurance specifications which you desire available to the agents including all of the house and utility specifications which will be listed on their questionnaire. How much personal liability will you desire? (I have $500,000, for exa...
by financial.freedom
Sun May 08, 2016 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to choose homeowner's insurance?
Replies: 21
Views: 3144

How to choose homeowner's insurance?

I've filled out online forms and called a few places, but I'm not sure which policy to select. In my area (coastal SoCal), the value is mainly the land not the house. In fact, some lots may be worth more without a house. A rough breakdown for our property is: Land 1.1M, House 400k. But depending on ...
by financial.freedom
Sun Apr 24, 2016 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with the "waiting game"
Replies: 32
Views: 5268

Re: Dealing with the "waiting game"

It's Sunday night, I am working steadily and will be here very late. I'm not discouraged right now at this moment but believe me, I've been there. I don't know if it's your job, your lifestyle, your hobbies but you have to do some soul-searching and figure out why you're feeling this way. There are ...
by financial.freedom
Sun Apr 24, 2016 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal bond fund/etf ?
Replies: 15
Views: 3026

Re: Re:

Vanguard's short and limited duration national muni funds are quite good and have very low volatility (especially the short). I've used a combination of the two for many years. Even with the tax advantages, I don't know if I'd buy into the California muni fund right now, though. Just curious, why w...
by financial.freedom
Sun Apr 24, 2016 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal bond fund/etf ?
Replies: 15
Views: 3026

Re:

Vanguard's short and limited duration national muni funds are quite good and have very low volatility (especially the short). I've used a combination of the two for many years. Even with the tax advantages, I don't know if I'd buy into the California muni fund right now, though. Just curious, why w...