Search found 371 matches

by keystone
Mon May 22, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: I'm calling "tails" on all the tosses of this coin...
Replies: 11
Views: 1130

Re: I'm calling "tails" on all the tosses of this coin...

According to this link, it's almost certainly a trick coin:

http://www.coinnews.net/2007/10/04/two- ... anks-3587/

Edit to add, this link is for two headed coins, but I believe trick coins could also be double tails. Keep us posted!
by keystone
Mon May 22, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: I'm calling "tails" on all the tosses of this coin...
Replies: 11
Views: 1130

Re: I'm calling "tails" on all the tosses of this coin...

Calling all coin collectors-- While I've been a numismatic collector for years and have encountered other "error " coins, I've never seen one of these: I found a genuine Lincoln wheat cent with both being a reverse -- no heads at all and it's clearly an original strike Obviously I can't t...
by keystone
Mon May 22, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Net worth is overrated
Replies: 76
Views: 8227

Re: Net worth is overrated

Interesting points. Yes, like most respondents, calculating net worth is valuable for my personal circumstances but not nearly as useful when comparing to others. And like you said, just looking at net worth doesn't tell the whole story. Would you rather have a $2 million paid off house and no other...
by keystone
Fri May 19, 2017 12:21 pm
Forum: Investing - Theory, News & General
Topic: Anyone else track the value of their investments by discounting the value of equities?
Replies: 62
Views: 3307

Re: Anyone else track the value of their investments by discounting the value of equities?

Whenever I get excited about my portfolio size, I do calculate how much I would have if the stock market were to drop 50% and bonds by 10%. I usually end up feeling pretty good afterwards, knowing that I won't be homeless. It also helps me to determine if I am comfortable with my asset allocation.
by keystone
Fri May 19, 2017 9:00 am
Forum: Investing - Help with Personal Investments
Topic: At what age... [do you change investments]
Replies: 13
Views: 479

Re: At what age... [do you change investments]

I keep reading on here about people changing their investments at a certain age OR keeping the same their entire lives... I am so new that I'd like ya'll's opinion on what age to change/WHAT to change the investments to (Like bonds, income funds, automatic dividends etc)/or keep what I have now for...
by keystone
Thu May 18, 2017 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Bogleheading with TD Ameritrade
Replies: 11
Views: 551

Re: Bogleheading with TD Ameritrade

This year my wife started an HSA through HSA Bank linked with TD Ameritrade. I've been investing roughly every other week between VTI and BND. Purchasing from the no commission ETFs seemed like the most cost effective way to invest. It's a minor inconvenience to not be able to invest 100% of availab...
by keystone
Wed May 17, 2017 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Article: "Our emergency fund is exactly $0.00"
Replies: 73
Views: 7255

Re: Article: "Our emergency fund is exactly $0.00"

I agree with most of the article. Keeping an emergency fund to me means that you're locking in a lower expected return. I don't see why someone with a sizable portfolio (enough to cover several years worth of expenses) would need one. If you have a large enough portfolio with a healthy stock/bond al...
by keystone
Tue May 16, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Does anybody know? [where to find toaster oven reviews]
Replies: 12
Views: 1300

Re: Does anybody know???????

Of a reliable source besides "Consumer reports",where I can obtain reviews of oven toasters? Many thanks as always for your kind help on my ?, parigi. We received this one as a wedding gift 8 years ago and it has been fantastic. As a general rule, Amazon reviews are pretty reliable if you...
by keystone
Tue May 16, 2017 8:01 am
Forum: Investing - Help with Personal Investments
Topic: how do you invest your HSA
Replies: 39
Views: 3095

Re: how do you invest your HSA

I invest my HSA to try and match the timeline of when I would need the funds. I invest in a roughly 60/40 split between the Vanguard Total Stock Market ETF (VTI) and Total Bond Market ETF (BND) through my account at HSA Bank linked with TD Ameritrade. I'm currently paying all out of pocket medical e...
by keystone
Thu May 11, 2017 12:16 pm
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 18014

Re: Why save so much for when you're old?

You are saving money to retire in your 60's? Ouch. I'm 33 and I spent the last 3 years saving to retire in my 40's. Ideally 40, but I doubt the markets like me that much. Yep, I think a common mistake is to assume that retirement means in one's 60's or at an age later than necessary. I'll never for...
by keystone
Mon May 08, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Most Common Financial Mistakes
Replies: 108
Views: 13596

Re: Most Common Financial Mistakes

While I am generally proud of my progress through the years, damn me for not having the foresight to save 50% of my income and live absolutely frugally during my twenties and early thirties. I'd be done by now. Yes! Financially I'm in pretty good shape, age 43 and on track to be FI by 49. BUT, I'm ...
by keystone
Mon May 08, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: No losses to offset capital gains!
Replies: 14
Views: 1064

Re: No losses to offset capital gains!

My only advice is to periodically monitor your unrealized gains or losses if the markets appear to be heading south or if the "U.S. stocks in freefall" thread seems to be generating a lot of recent activity. Look at this as a win-win situation. If the markets go down, you can tax loss harv...
by keystone
Wed May 03, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: have you accepted a lower cost lifestyle to retire early?
Replies: 71
Views: 8720

Re: have you accepted a lower cost lifestyle to retire early?

Not retired yet, but $50K from $2M is an extremely conservative plan. If you're really okay living on $50K, you're going to be just fine with any reasonable portfolio. That's a 2.5% withdrawal rate. +1. I suggest taking a look at this detailed study on safe withdrawal rates if you have not done so ...
by keystone
Tue May 02, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Planning impact your job performance?
Replies: 68
Views: 6900

Re: Does Retirement Planning impact your job performance?

How close to retirement did this syndrome kick in? I'm about 10 years away and still loving my job. There's always a fair amount of office politics but once I decided to take myself out of the executive competition game and instead focusing on delivering interesting projects, work got a lot more fu...
by keystone
Fri Apr 28, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: HSA and FSA big mistake
Replies: 7
Views: 1710

Re: HSA and FSA big mistake

This worked. That's great! When I asked my employer, I didn't think think there was any possibility of making this happen, but after my boss (who happens to handle HR) made a quick phone call to our FSA administrator she was informed that this was an easy switch. All that was needed was a signed pl...
by keystone
Fri Apr 28, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Hit $1.5 million, another $1 million to go
Replies: 20
Views: 4074

Re: Hit $1.5 million, another $1 million to go

+1 Seriously sounds like you have already made it. Why is 2.5 mil the number? What are y ou worried about if you both have pensions and SS? Make sure to enjoy life now a little on the way. It honestly sounds like you could coast if you wanted too I can't help but think that the OP might actually be...
by keystone
Wed Apr 26, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Retirement income for 50+ years?
Replies: 167
Views: 14400

Re: Retirement income for 50+ years?

The series on SWR that I linked specifically discusses several flexible withdrawal strategies and provides data from the historical record. That's why the series is so good: It eschews hearsay and opinions and provides actual data. You linked it in another thread recently and I thought it was the m...
by keystone
Mon Apr 24, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 85
Views: 7139

Re: Removing a tree - expensive!!!

If a tree is being trimmed, then you want folks who know about "tree health". if it is being removed, then the folks doing it need to know nothing about tree health - just do not drop the tree on a house :) The problem is sometimes the lines are blurry. People often recommend getting an a...
by keystone
Mon Apr 24, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 220
Views: 10612

Re: Will cars be autonomous in three years?

crazygrow wrote:
Will most cars become autonomous drivers over the next three years?



I can say with 100% certainty that the correct answer is no.
by keystone
Fri Apr 21, 2017 6:02 am
Forum: Personal Finance (Not Investing)
Topic: How to reduce my income tax
Replies: 31
Views: 3159

Re: How to reduce my income tax

Look into getting a dependent care FSA if it's available through your employer. The tax benefit will be superior to deducting 3K for the dependent care credit. Edit - I see that you list 5k for child's FSA. Assuming that is for dependent care, then you would be ineligible for the 3k child care credit.
by keystone
Wed Apr 19, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor's Calculations Accurate re: VFINX v their Fund?
Replies: 13
Views: 1137

Re: Financial Advisor's Calculations Accurate re: VFINX v their Fund?

I get the sense this is going to be an entertaining thread.

Without knowing what the investment is, it's hard to say but most likely it involved a lot of risk (assuming the FA was being honest in the first place) and the time period was cherry picked.
by keystone
Wed Apr 19, 2017 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Should I bother with a 401k at present?
Replies: 25
Views: 2072

Re: Should I bother with a 401k at present?

Assuming the debt interest rate isn't so high, I would focus all of my extra funds on the 401K and/or an IRA. At 31 you have time on your side and now is the time to be putting money away in tax advantaged accounts to build for your future. You can only save so much each year in tax advantaged accou...
by keystone
Wed Apr 19, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Considering buying a new cell phone- ideas?
Replies: 22
Views: 2485

Re: Considering buying a new cell phone- ideas?

I have the Moto G5 Plus (64gb version) and love it. The G4 Plus is also a very good phone for the money, but if I needed to buy a new phone I would definitely go with the G5 because of the smaller size, better camera and slightly better battery life. I just noticed the CNET review of the G5 Plus is ...
by keystone
Fri Apr 14, 2017 8:25 am
Forum: Personal Finance (Not Investing)
Topic: HSA as Part of Emergency Fund
Replies: 20
Views: 1552

Re: HSA as Part of Emergency Fund

Do you generally consider your HSA as part of your 3-6 month emergency fund? Or should the emergency fund be considered completely separate from the HSA? You'll probably get answers that are all over the place, but I see nothing wrong with treating your HSA as part of your emergency fund assuming y...
by keystone
Fri Apr 14, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Affordable cellphone with the best camera possible
Replies: 16
Views: 1188

Re: Affordable cellphone with the best camera possible

The new Moto G5 Plus has not yet been rated by DXO Mark, but Ars Technica thought the G5 Plus camera was a step down: https://arstechnica.com/gadgets/2017/03/moto-g5-plus-review-still-good-and-cheap-but-not-the-bargain-it-once-was/ My wife and I both had the Moto G4 Plus and thought it was a great ...
by keystone
Wed Apr 12, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: HSA (Spouse + Me) and FSA (Spouse)?
Replies: 20
Views: 1355

Re: HSA (Spouse + Me) and FSA (Spouse)?

There really should be explicit language in the FSA enrollment process for a married individual. You should almost have to sign an acknowledgement that you understand the interaction or an electronic signature if you enroll online. When I was enrolling my wife in her HSA, I remember seeing some typ...
by keystone
Mon Apr 10, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: HSA and FSA big mistake
Replies: 7
Views: 1710

Re: HSA and FSA big mistake

I have an active FSA through my employer and an HSA through my wife's employer. Our plans are on different cycles and I was unable to terminate my FSA prior to the start of her HSA plan year. However, I was able to request that my employer modify my FSA from healthcare to a limited purpose FSA which...
by keystone
Fri Mar 31, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]
Replies: 45
Views: 6356

Re: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]

I keep my "emergency" fund in this fund and I don't care about changes in NAV. I'm in it for the long haul and if rates start to go up, I'll start to earn more interest. This fund has an acceptable level of risk for me.
by keystone
Wed Mar 29, 2017 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Not opting for 529... anyone else?
Replies: 175
Views: 10171

Re: Not opting for 529... anyone else?

Each family's situation needs to be looked at individually, but I tend to agree with the sentiment that a 529 does not make sense for a family not already maxing out all other available tax advantaged accounts. Since my family is maxing out both 401Ks, Roth IRAs and HSA, we then contribute whatever ...
by keystone
Tue Mar 28, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: Buying a home in a seller's market - how to decide how much to pay
Replies: 8
Views: 849

Re: Buying a home in a seller's market - how to decide how much to pay

In a seller's market, you just straight up need to know ahead of time how much you are willing to compromise and have to walk away whenever your bottom line is no longer satisfied. This means not only bottom line on price, but also on terms within the contract. +1. We bought into a HCOL area 5 year...
by keystone
Mon Mar 27, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: Toyota vs. Honda
Replies: 58
Views: 4619

Re: Toyota vs. Honda?

Taylor Larimore wrote:
The April 2017 Car edition of Consumer Reports will answer your question (available at most libraries).

Best wishes
Taylor


+1. Scan the 5 year reliability history of each of the models within each brand. The results are pretty clear cut.
by keystone
Wed Mar 22, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 80
Views: 6812

Re: How did graduating out of daycare impact your finances?

I'm in a similar boat. I pay about $1750 per month for preschool for my one child and have another two and half years to go. I looked at the cost of before and after school care and it appears to be about a third of this, so I'm hoping to see some savings once kindergarten starts. However, as anothe...
by keystone
Mon Mar 20, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: Do you purposely spend with companies in your investment portfolio?
Replies: 42
Views: 2415

Re: Do you purposely spend with companies in your investment portfolio?

No. Most of the companies you mention are so large that even if I were to donate my entire net worth to one of them, the stock would not even budge a penny. And even if it did, it wouldn't make sense to do it.
by keystone
Sat Mar 18, 2017 6:44 am
Forum: Personal Consumer Issues
Topic: When does a new computer make sense...
Replies: 27
Views: 1919

Re: When does a new computer make sense...

I think it makes sense when the performance of your existing computer is annoying you. I just replaced my 9 year old Gateway. It was still working, but my wife was complaining about sluggish performance and it was starting to annoy me too. I also figured that 9 years was long enough, it has exceeded...
by keystone
Fri Mar 17, 2017 7:21 am
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 10079

Re: Anyone else taking less risk

I've been at 60/40 the last few years, but want to slowly drift closer to 50/50 over the next decade. Very recently I decided to direct all new money to bonds.
by keystone
Fri Mar 10, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: 2017 Honda Civic not recommended by Consumer reports
Replies: 44
Views: 5941

Re: 2017 Honda Civic not recommended by Consumer reports

Instead of looking at reliability of a single year / model of car which is unreliable look at the long term reliability of the brand as a whole. Dodge /Chrysler / Jeep are horrible, Ford & Chevy are decent, Honda / Toyota are well above average and Audi then Lexus are generally at the top. I wo...
by keystone
Thu Mar 09, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: 59 1/2 today......suggestions?
Replies: 15
Views: 1108

Re: 59 1/2 today......suggestions?

In particular, maybe you don't realize you can convert $1,000,000 from tIRA to Roth IRA in one shot and simultaneously contribute to the same Roth IRA. (Not saying that you should, just that it's allowed.) If this happened in the same tax year, wouldn't the $1 million conversion from tIRA to Roth I...
by keystone
Thu Mar 09, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: 2017 Honda Civic not recommended by Consumer reports
Replies: 44
Views: 5941

Re: 2017 Honda Civic not recommended by Consumer reports

I'm not sure how credible consumer reports is...I bought a 14' Honda Civic over 3 years ago and recently crossed 70k miles. Have not encountered any issues with the vehicle so far. Only oil changes, new tires, filter replacements...normal wear and tear. If I recall correctly they (CR) slaughtered t...
by keystone
Wed Mar 08, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: 2017 Honda Civic not recommended by Consumer reports
Replies: 44
Views: 5941

Re: 2017 Honda Civic not recommended by Consumer reports

I suspect it's related to issues with the redesign, but I've seen a pattern where Toyota or Hondas may appear to get dinged on reliability in the first year, but then five years later I look back at the long term reliability for that same year and its excellent. If it were me I'd probably wait anoth...
by keystone
Wed Mar 08, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Obtaining Bachelors in Accounting @ 30
Replies: 32
Views: 1900

Re: Obtaining Bachelors in Accounting @ 30

I have met folks that had a music degree for bachelors Yes! I knew someone in NY City who was a graduate of Julliard (some orchestral instrument), but then became a CPA (and opened his own accounting service company) because he saw the career/income future much better as a successful businessman vs...
by keystone
Mon Mar 06, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation (Question/Opinion)
Replies: 26
Views: 1744

Re: Net Worth Calculation (Question/Opinion)

Yes, I back out 5% in agent selling costs, plus an estimate for transfer & recording taxes which are pretty high in my area. This might be overkill, but I also back out an amount to spruce up my house to get it ready for selling (e.g. landscaping, painting, etc.)
by keystone
Mon Mar 06, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Can We Retire Now? Should I Max AT 401K in the Last Year
Replies: 24
Views: 3125

Re: Can We Retire Now? Should I Max AT 401K in the Last Year

"SS (assume no earning after this year): His at 70: $36k/yr at 2017 dollars Her at 70: 36k/yr at 2017 dollars" These numbers seem really unlikely given that your paid in SS years are each well under the 35 years needed for maximum benefits. Please check these with your actual numbers thro...
by keystone
Mon Mar 06, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 6189

Re: Camry Redesign

While the 2012 Honda Civic was a failure in terms of design, it was not a failure in terms of reliability. I just looked at the Consumer Reports long term reliability rating for the '12 Civic and it is excellent overall and at least better than average in every single category.
by keystone
Fri Mar 03, 2017 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Ever dip your feet into individual stocks?
Replies: 63
Views: 3792

Re: Ever dip your feet into individual stocks?

I do. Actually, I did it a lot back in the 90's and early 2000's and was pretty bad at it like most people. I never had any intentions of getting back into it, but somehow I was drawn to this thread https://www.bogleheads.org/forum/viewtopic.php?t=196386 and it rekindled my interest in it. In fact, ...
by keystone
Fri Mar 03, 2017 7:55 am
Forum: Investing - Help with Personal Investments
Topic: 3 Funds vs 1 Fund investing
Replies: 10
Views: 1114

Re: 3 Funds vs 1 Fund investing

You sound like a perfect candidate for the Vanguard Tax Managed Balanced Fund.
by keystone
Tue Feb 28, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 5437

Re: Don't pay full price for cable TV

I suspect you're in an area that does not include ABC, CBS, NBC, Fox & Telemundo LIVE with PS Vue. I named the 7 metro areas with live majors above so repeating myself - they are New York, Los Angeles, Chicago, Philadelphia, Dallas, San Francisco and Miami that I know of, and PS Vue is $39.99/m...
by keystone
Tue Feb 28, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 5437

Re: Don't pay full price for cable TV

The base $40/mo PlayStation Vue package includes ESPN, ESPN2, NBCSN, FS1 and FS2, and I believe you can cloud DVR any programming at no extra charge. I am on the base PlayStation Vue package and I only pay $29.99 per month. Not sure if it varies by location, but I am in a major metro area and have ...
by keystone
Tue Feb 28, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 5437

Re: Don't pay full price for cable TV

This tactic no longer worked for me when I called Verizon about my expired tv & internet deal a few months ago. I was indifferent about staying with Verizon but would have probably stayed with them if they could renew my deal for another year at the same price. After several rounds back and fort...
by keystone
Mon Feb 27, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Why not to do ROTH Conversion
Replies: 29
Views: 3072

Re: Why not to do ROTH Conversion

Another important piece of the math puzzle is state taxes. My husband and I would love to start converting some of our tIRA $ into Roth $, even though we are in the 25% federal bracket (we wouldn't convert enough to go a bracket higher than that). What stops us is the >9% state bracket we're in. I ...
by keystone
Fri Feb 24, 2017 12:39 pm
Forum: Investing - Theory, News & General
Topic: Market Run Ups - Now vs. Then
Replies: 88
Views: 6451

Re: Market Run Ups - Now vs. Then

Of course we will be blindsided... because of course one cannot know for certain what the future holds. That's the definition of a crash. Otherwise it's just a bear market. I think what you're reading is that in retrospect the signs were obvious, except for a very few individuals who shorted the ma...

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