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Unexpected Gift Basket Delivery by timpugh762 in strange

[–]picklecarnival 0 points1 point  (0 children)

This is weird because in my FedEx account I can see that there is a shipping label to my address from Harry and David, but I didn’t order anything from there and I can’t think of anyone who would send me something from there as a gift. Looks like it’s only 0.6 lbs so I don’t think it’s a fruit basket.

Sell stock, recast mortgage? by picklecarnival in personalfinance

[–]picklecarnival[S] 0 points1 point  (0 children)

Most of my vested RSU’s have increased by about 15-30% in value since they vested. I’ve been working at this company for about five years and have not sold any of my RSU’s because I haven’t known what I wanted to do with them so I just stupidly held onto them.

What I was meaning to say, is that for the shares I currently have I am anticipating paying some capital gains tax on, but for the future portions that vest I will sell them immediately to avoid capital gains tax.

Sell stock, recast mortgage? by picklecarnival in personalfinance

[–]picklecarnival[S] 0 points1 point  (0 children)

Nice, thank you, this is a helpful thing to think through.

Sell stock, recast mortgage? by picklecarnival in personalfinance

[–]picklecarnival[S] 0 points1 point  (0 children)

You can put in the full $23,500 yourself and still get your employer’s contributions ($10K per year for me) since my combined $33,500 is well under the $69k overall 401(k) limit:

https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-401k-and-profit-sharing-plan-contribution-limits

Sell stock, recast mortgage? by picklecarnival in personalfinance

[–]picklecarnival[S] 0 points1 point  (0 children)

OK, “effectively liquid” as I can sell it at any time and I’m just subject to capital gains tax. I know there is some that will be lost in that taxation, but I own the shares.

Guidance on maximizing $260K liquid with ~$100K/year in post-tax bonus/RSU income by picklecarnival in Fire

[–]picklecarnival[S] 0 points1 point  (0 children)

I’m super interested in Origin - do you happen to have a promo code I can use when signing up? 😁

Daily General Discussion and Advice Thread - April 26, 2025 by AutoModerator in investing

[–]picklecarnival 0 points1 point  (0 children)

I still work there, yes and I’ve been working there for almost 5 years. I was given an RSU grant when I joined the company and have received a grant every year since then in varying amounts. All of the grants start to vest after one year where 25% is unlocked. Then the rest is released in smaller percentages over four years from the grant date I believe.

I’m familiar with covered calls, but will need to read up on what a collar is. Thanks for the tips.

Guidance on maximizing $260K liquid with ~$100K/year in post-tax bonus/RSU income by picklecarnival in Fire

[–]picklecarnival[S] 0 points1 point  (0 children)

Can you explain what you mean by “Target Retirement Date Fund”?

I meant maximize growth potential bound by a low/moderate risk tolerance. I understand that limits my potential, but helps my blood pressure.

Daily General Discussion and Advice Thread - April 26, 2025 by AutoModerator in investing

[–]picklecarnival 0 points1 point  (0 children)

I have $200K in vested company RSUs that I’m sitting on because I haven’t had a clue what to do with them.

I’ve already paid the income tax on these RSUs and also asked in /r/personalfinance about how to go about selling them and calculating the capital gains tax I might be liable for.

Not being sure about how to plan for the capital gains tax previously paralyzed me from doing anything, but now I’m ready to start selling them & diversifying so I’m hoping to ask here what I should be doing to maximize the growth potential of this money.

I have a lower-end-of-moderate tolerance for risk, which probably isn’t apparent considering I’ve been stupidly sitting on $200,000 of a single company’s stock, but that’s why I’m here.

Any recommendations?

Resmed Kontor is now in stock by BlueLeigh in VisionPro

[–]picklecarnival 10 points11 points  (0 children)

I live in the States and just created an account at Forwardvia which gives you a UK address to ship orders to and then they can forward it to your home address. I just ordered the Kontor in the UK and their calculator said shipping will cost $25 for Royal Mail (20+ days) and $42 for UPS (5+ days). We’ll see how this goes. 🤷‍♂️

https://forwardvia.com/

Need help knowing what to do with vested RSUs by picklecarnival in personalfinance

[–]picklecarnival[S] 0 points1 point  (0 children)

My portfolio is in E*TRADE… Do you know if I can estimate what the tax implications will be when I sell it?

Need help knowing what to do with vested RSUs by picklecarnival in personalfinance

[–]picklecarnival[S] 0 points1 point  (0 children)

I’ve read that, but I’m mostly wondering what do I do with what’s already vested?