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It is currently Mon May 02, 2016 6:11 pm



Viewing profile - Capo

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Capo
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Joined: Sat May 14, 2011 9:44 am
Last visited: Sun Nov 01, 2015 5:10 pm
Total posts: 142
[0.16% of all posts / 0.08 posts per day]
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Most active forum: Personal Finance
[ 126 Posts / 88.73% of user’s posts ]
Most active topic: The "wanting" IS the problem...
[ 5 Posts / 3.52% of user’s posts ]

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Capo Posts

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 Forum: Personal Finance   Topic: RSU Tax Question

 Post subject: Re: RSU Tax Question
Posted: Sat Feb 14, 2015 7:38 am 

Replies: 8
Views: 1378


Thanks for the info, it was very helpful. One tag on question I do have is regarding RSA's instead of RSU's. I also have some stock (RSA's) that will be vesting soon. I know there are similarities with RSU's, but also differences. What is the best plan of attack for RSA's regarding taxes and "w...

 Forum: Personal Finance   Topic: RSU Tax Question

 Post subject: RSU Tax Question
Posted: Sun Feb 08, 2015 8:16 am 

Replies: 8
Views: 1378


Hey All, I'm going to have some RSU's (restricted stock units) vest in the near future and want to make sure I'm clear on taxes, since this is the first time I've ever had to deal with them. As I understand it, and please correct me if I am wrong, RSU's are not really "stock options" becau...

 Forum: Personal Finance   Topic: Dream House $800k

 Post subject: Re: Dream House $800k
Posted: Tue Mar 18, 2014 8:11 pm 

Replies: 13
Views: 2751


What's more important to you... Your house or lifestyle and security? Personally, I would not suggest you get an 800k house on a single income, regardless of the gifts you may be getting now. I know too many people who put too much money into their house instead of properly diversifying. If I were y...

 Forum: Personal Finance   Topic: How would you invest 20-40k a year extra in income???

Posted: Mon Mar 10, 2014 2:50 pm 

Replies: 10
Views: 4454


Invest in your own education. I'd like to tag onto what DH said. To truly answer your question, there are some more fundamental questions that need addressing. What is your current personal portfolio like (assets, debts, etc?). Assuming you have no debt and are truly able to invest 20k to 40k a yea...

 Forum: Personal Finance   Topic: Country Club

 Post subject: Re: Country Club
Posted: Mon Mar 10, 2014 2:39 pm 

Replies: 12
Views: 2131


I concur with others... it's not worth it on many levels. From a marketing perspective, it's too much of your income. From a lifestyle inflation standpoint, you'll likely be tempted to increase spending in other areas you can't afford (the fee just gets you in the door). From a target audience stand...

 Forum: Success Stories   Topic: Financially Free at 26

 Post subject: Re: Financially Free at 26
Posted: Tue Mar 04, 2014 8:05 pm 

Replies: 23
Views: 22320


My personal expenses? Each property is in a separate business or trust and has its own finances, none are negative cashflows So my personal expenses are about 3561.82 Including my investment loan debt payments not including it, my expenses are about $1300 a month. I see, thanks. $1300 is definitely...

 Forum: Success Stories   Topic: Financially Free at 26

 Post subject: Re: Financially Free at 26
Posted: Sun Mar 02, 2014 8:55 pm 

Replies: 23
Views: 22320


If you don't mind sharing, what are your base monthly expenses? I assume you have your mortgage paid off as part of the "keep monthly expenses low" approach?

 Forum: Personal Finance   Topic: Am I saving too much for retirement?

Posted: Mon Nov 25, 2013 12:20 am 

Replies: 12
Views: 3947


For me, 30k is enough debt where I would want it eliminated. I'd at least knock out that auto payment ASAP. Moving forward, try to pay yourself ahead of time and save up for new cars so you keep the interest.

 Forum: Personal Finance   Topic: 100k by 30?

 Post subject: Re: 100k by 30?
Posted: Mon Nov 25, 2013 12:17 am 

Replies: 18
Views: 9330


Your goal is definitely achievable. Security is a hot field and if you're good enough and have the right background/education/Certs, I see no reason why you can't make that and more. However, it will be heavily influenced with by your area and whether you're willing to relocate and/or go into consul...

 Forum: Personal Finance   Topic: Thoughts on PrePaid Legal Plans?

Posted: Wed Nov 06, 2013 5:24 pm 

Replies: 5
Views: 1423


Hey All, What are your thoughts on prepaid legal plans through your employer? In particular, I have access to the Hyatt Legal plan at the cost of 17 bucks a month. At a minimum, we know we want to have will work done next year and the plan says this is included. Does anyone have experience with the ...

 Forum: Personal Finance   Topic: Pay Down Student Loans or Max Out IRA?

Posted: Fri Nov 01, 2013 1:42 pm 

Replies: 7
Views: 2282


I would personally focus on the debt. Continue to invest in your 401k up until the point you get 100% of your match, however. 50k @ 6% interest is enough to be want to be rid of it quickly. Plus keep in mind SL debt is nearly impossible to get rid of through bankruptcy, so you're stuck with it, good...

 Forum: Personal Finance   Topic: Please critique me!

 Post subject: Re: Please critique me!
Posted: Thu Oct 24, 2013 8:21 pm 

Replies: 18
Views: 2717


For what it's worth, my general thoughts are: 1) You have a negative net worth. Your focus should be expense reduction and aggressively paying down your student loans. Once you have that off your shoulders, you should focus on building up your savings. 2) I would personally not suggest trying to get...

 Forum: Personal Finance   Topic: Fresh out of school, requesting your advice!

Posted: Mon Sep 09, 2013 2:16 pm 

Replies: 7
Views: 1216


I would not say that repaying debt is always a priority. But in this case the interest rate makes it attractive. While I don't disagree with what has been said for the most part, your debt is not that high for a doctor after residency. You could get it paid off very quickly if you focussed on it. I...

 Forum: Personal Finance   Topic: Personal Finance - What can I improve?

Posted: Sun Sep 08, 2013 10:26 am 

Replies: 16
Views: 3311


Lots of good advice by others so far. But I concur, do not buy a house, you are not financially or emotionally prepared, it seems. The true cost of owning a home is much more than the monthly payments. When your lease is up, try to find something much cheaper. Even if it means getting room mates. Th...
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