Search found 33 matches

by boombaz
Sat Nov 14, 2020 2:00 pm
Forum: Personal Investments
Topic: How to recharacterize Roth IRA contribution after marriage?
Replies: 4
Views: 251

Re: How to recharacterize Roth IRA contribution after marriage?

Thank you retiredjg. but should not do so if there is any money in another tIRA account under her name (including SEP or Simple IRA or rollover IRA). My wife does not have any other IRA accounts besides this Roth IRA at Fidelity. Call Fidelity and tell them you need to recharacterize an excess 2020 ...
by boombaz
Sat Nov 14, 2020 1:05 pm
Forum: Personal Investments
Topic: How to recharacterize Roth IRA contribution after marriage?
Replies: 4
Views: 251

How to recharacterize Roth IRA contribution after marriage?

In March 2020, my wife (fiance at the time) made two Roth IRA contributions: a 2019 tax year contribution for $6,000 and a 2020 tax year contribution for $6,000. My wife and I got married at the end of June. Looking toward the end of the year, our combined modified AGI will be greater than $206,000,...
by boombaz
Sat Mar 23, 2019 12:40 am
Forum: Personal Investments
Topic: Portfolio Review, onward to my thirties
Replies: 2
Views: 677

Re: Portfolio Review, onward to my thirties

Doing great! I would make a couple tweaks. Hey bloom thanks for taking the time to respond. I'm not sure I'm going to make the tweaks you've recommended. I am contributing $125k to taxable this year; I will not be able to hold my full bond allocation in my 401k. I do not want to consolidate my 401k...
by boombaz
Thu Mar 21, 2019 9:48 pm
Forum: Personal Investments
Topic: Portfolio Review, onward to my thirties
Replies: 2
Views: 677

Portfolio Review, onward to my thirties

Hi Bogleheads, it's been a while. I was hoping for a checkup since I recently closed out my twenties. I'm trying not to count my chickens yet, but I am vesting what is currently $3M of RSUs in a late-stage, pre-IPO tech company. This potential windfall has influenced some of my decisions below, part...
by boombaz
Sun Sep 23, 2018 8:51 pm
Forum: Personal Investments
Topic: Transferring RSUs: Ing to Fidelity
Replies: 3
Views: 430

Re: Transferring RSUs: Ing to Fidelity

If they're from an old company, they are no longer RSUs. They've vested and are regular shares of stock. Transfer them between custodians as you would any other holding.
by boombaz
Fri Apr 08, 2016 12:33 am
Forum: Personal Investments
Topic: Employer stock windfall - help allocating taxable
Replies: 5
Views: 1047

Re: Employer stock windfall - help allocating taxable

***I was typing as you added your last post and did not see til I posted. How close are they!?*** Haha! Pretty close! I was "age in bonds" for a while but with a large chunk of cash I considered the difference between 27% and 30% to be not that much. The plan now is to stay at 70%/30% ind...
by boombaz
Fri Apr 08, 2016 12:12 am
Forum: Personal Investments
Topic: Employer stock windfall - help allocating taxable
Replies: 5
Views: 1047

Re: Employer stock windfall - help allocating taxable

There is not a good "one size fits all" asset allocation I'm sorry, I thought my existing holdings made it clear that I am attempting to build a three-fund portfolio with the stock/bond/internation split I listed. Thank you for the link to tax-efficient fund placement—what I was unsure of...
by boombaz
Thu Apr 07, 2016 7:54 pm
Forum: Personal Investments
Topic: Employer stock windfall - help allocating taxable
Replies: 5
Views: 1047

Employer stock windfall - help allocating taxable

I'm in a little bit over my head allocating this much to taxable in one shot. :moneybag Emergency funds: yes Debt: none Tax Filing Status: Single Tax Rate: 33% Federal, 9.3% State State of Residence: CA Age: 27 Desired Asset allocation: 70% stocks / 30% bonds Desired International allocation: 30% of...
by boombaz
Wed May 06, 2015 11:58 pm
Forum: Personal Investments
Topic: Portfolio Review Request - 30yo-Married - Followed Forum Format
Replies: 11
Views: 2115

Re: Portfolio Review Request - 30yo-Married - Followed Forum Format

1. Ok didn't think so but I thought I have read something here about transferring vanguard mutual funds to etfs easily, wasnt sure if it could be done the other way as well. Vanguard ETFs are a share class of the underlying mutual fund. You are allowed to convert shares of the mutual fund to shares...
by boombaz
Wed Mar 18, 2015 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Recruiters asking for current compensation
Replies: 54
Views: 12893

Re: Recruiters asking for current compensation

Also thanks, everyone, for resetting my expectations. This is really my first job search so I'm learning as I go.
by boombaz
Wed Mar 18, 2015 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Recruiters asking for current compensation
Replies: 54
Views: 12893

Re: Recruiters asking for current compensation

To clarify, all of these recruiters work for the companies that I am interviewing with and in all cases they reached out to me. Thanks @tylerdurden for the suggestion to think in terms of expected ranges. That makes this more stomach-able and makes me feel like I'd have more leverage when it comes t...
by boombaz
Wed Mar 18, 2015 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Recruiters asking for current compensation
Replies: 54
Views: 12893

Recruiters asking for current compensation

I've recently started looking for a new job. Today, I had calls with three recruiters and all of them asked me for my current compensation. I view this as none of their business and want to avoid anchoring a potential offer around my current comp. I declined to provide them with the information they...
by boombaz
Thu Jan 29, 2015 1:30 am
Forum: Personal Finance (Not Investing)
Topic: IPO Windfall Checklist
Replies: 11
Views: 2484

Re: IPO Windfall Checklist

Thanks for the replies, everyone. My main takeaway is to have a plan for divesting my equity. I think most of the posts presume I have all of my equity sitting in one chunk waiting for the lockup to expire. This is not the case. I'll have about 50% vested at lockup expiration with the rest vesting o...
by boombaz
Tue Jan 27, 2015 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: IPO Windfall Checklist
Replies: 11
Views: 2484

IPO Windfall Checklist

The company I work for IPO'd recently. It is now simply a matter of time before my equity becomes liquid. Is there anything in particular I should do in the time running up to lockup expiration to prepare? Books to read? Investment changes to consider? Insurance to shop for? One thing that caught be...
by boombaz
Thu Jan 08, 2015 10:18 pm
Forum: Personal Investments
Topic: Please Help Pick a VOYA 401k fund
Replies: 33
Views: 8687

Re: Please Help Pick a VOYA 401k fund

An extra 0.5% ER is worth $10 of the $2000 that gets contributed each year.

You don't say your tax bracket, but even if it is only 15%, you save $240 in taxes by contributing to the 401(k).
by boombaz
Tue Jan 06, 2015 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 101
Views: 1251581

Re: How Many Credit Cards do you have?

Capital One QuickSilver- 1.5% Cash Back all purchases - $39 Annual Fee There shouldn't be an annual fee on that card. I have one card, and that's it. I get around $200/year in cash back. It is applied as a statement credit which means it is tax free. I'll probably put it in my IRA this year since I...
by boombaz
Tue Jan 06, 2015 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 101
Views: 1251581

Re: How Many Credit Cards do you have?

Four. BoA Travel Rewards (general spending card) - 1.875% cash back BoA Cash Rewards (gas & groceries) - 3.75% & 2.5% cash back Capital One Quicksilver (I use this card exclusively online: bill pay, online stores, etc.) - 1.5% cash back AMEX JetBlue (JetBlue airfare) - 8 point/$ The Preferre...
by boombaz
Mon Dec 29, 2014 10:58 am
Forum: Personal Investments
Topic: 2015 Roth contribution-variable income
Replies: 2
Views: 410

Re: 2015 Roth contribution-variable income

So long as you do not have any existing pre-tax IRAs and need to worry about the pro rata rule, this sounds good to me.

If it turns out for some reason you do end up below the Roth contribution limit, there is no harm in doing the backdoor Roth.
by boombaz
Fri Dec 26, 2014 10:54 am
Forum: Personal Investments
Topic: Differences among Vanguard International funds?
Replies: 30
Views: 16536

Re: Differences among Vanguard International funds?

livesoft,

Why would you use SCZ + EWX instead of just VSS? Is it because of the separate Canada fund?
by boombaz
Mon Dec 22, 2014 2:42 pm
Forum: Investing - Theory, News & General
Topic: Help with XPath for ImportXML Google Sheets.
Replies: 31
Views: 7751

Re: Help with XPath for ImportXML Google Sheets.

You're double quoting a string that already has double quotes in it. Either escape the double quotes in the XPath or use single quotes to enclose the XPath

Code: Select all

=importXML(A1,'//*[@id="colMcontent"]/table[1]/tbody/tr/td[1]/div/table/tbody/tr[1]/td[2]')
by boombaz
Mon Dec 22, 2014 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 13187

Re: Most/Least Boglehead 2014 Activity?

Most:
- Maxed out 401k and Roth early in the year
- Rebalanced on my birthday
- Did next to nothing with my investments

Least:
- 33% of 2014 expenses were Vegas-related (funneling this into taxable instead seems like an easy win for 2015) :twisted:
by boombaz
Sat Dec 20, 2014 3:16 pm
Forum: Personal Investments
Topic: S&P index fund moving in wrong direction
Replies: 7
Views: 1727

Re: S&P index fund moving in wrong direction

The fund likely had a distribution.

EDIT: Indeed it did, a 0.75% distribution according to M*

See http://www.bogleheads.org/forum/viewtop ... 0&t=129142
by boombaz
Tue Dec 16, 2014 1:56 am
Forum: Personal Finance (Not Investing)
Topic: What are your 2015 Financial Goals?
Replies: 102
Views: 12002

Re: What are your 2015 Financial Goals?

Goals:

1. Max 401(k) and Roth IRA by the end of February.
2. Increase savings rate from 15% to 25% of gross.
3. Open a taxable account and put as much as possible into it
by boombaz
Fri Dec 12, 2014 8:52 pm
Forum: Personal Investments
Topic: What would you change about your retirement plan at work?
Replies: 23
Views: 2435

Re: What would you change about your retirement plan at work

~1000 person privately held company. The plan's custodian is Fidelity. Like: 1. Access to Spartan Advantage shares of S&P500, Extended Market, and International 2. Safe harbor plan. 3. My weighted ER is ~0.12% Dislike: 1. No match 2. Poor bond options (an actively managed fund with high expenses...
by boombaz
Sun Jun 08, 2014 11:03 pm
Forum: Personal Investments
Topic: Portfolio Review, about to open taxable
Replies: 8
Views: 940

Re: Portfolio Review, about to open taxable

I suggest holding Vanguard Total International Stock and tax exempt bond funds (National and CA) in the taxable account. Reduce the amount of international in 401k as you contribute to Total International in taxable. I was leaning toward something like this. I plan on splitting between national and...
by boombaz
Sun Jun 08, 2014 10:58 pm
Forum: Personal Investments
Topic: Portfolio Review, about to open taxable
Replies: 8
Views: 940

Re: Portfolio Review, about to open taxable

Boombaz, I think you're on the right track with Vanguard TISM in taxable and FFFAX in 401(k). Thanks :happy . I will admit that I am not too thrilled with the bond options available in my 401(k), but I had not yet considered using the most conservative target date fund as an alternative. In spite o...
by boombaz
Sun Jun 08, 2014 10:50 pm
Forum: Personal Investments
Topic: Portfolio Review, about to open taxable
Replies: 8
Views: 940

Re: Portfolio Review, about to open taxable

LongerPrimer wrote:Are you planning to buy a home?
No, I am not. I live in the SF Bay Area, where real estate is astronomical. As long as I am here, I will rent.
by boombaz
Sun Jun 08, 2014 5:07 pm
Forum: Personal Investments
Topic: Portfolio Review, about to open taxable
Replies: 8
Views: 940

Re: Portfolio Review, about to open taxable

LongerPrimer, I've edited my original post to clarify I intend to open my taxable account at Vanguard. I don't intend to invest in individual stocks (I prefer index funds) and I like how Vanguard's interests are aligned with my own (low costs).
by boombaz
Sun Jun 08, 2014 1:02 pm
Forum: Personal Investments
Topic: Portfolio Review, about to open taxable
Replies: 8
Views: 940

Portfolio Review, about to open taxable

Thank you for this wonderful community! I've learned so much lurking over the last six months and decided it was finally time to take the plunge and post my portfolio. :happy Emergency funds: six months of expenses Debt: none Tax Filing Status: single Tax Rate: 28% Federal, 9.3% State State of Resid...
by boombaz
Sun Jun 08, 2014 1:14 am
Forum: Personal Investments
Topic: What does this mean? [investing terms and concepts]
Replies: 14
Views: 1590

Re: What does this mean?

I'll take a stab at some of the easier questions. Others with more experience will be able to answer the rest. 1. "You generally want to hold bonds in a retirement account and stocks in a taxable account" Does retirement account refer to 401(k)? What does taxable account refer to? Is it a ...
by boombaz
Wed Apr 09, 2014 11:41 am
Forum: Personal Investments
Topic: Fidelity - 2-factor authentication...
Replies: 8
Views: 2693

Re: Fidelity - 2-factor authentication...

I just got off the phone with Fidelity 401(k) support and they informed me that 2-factor of any kind is not available in 401(k) accounts.