Search found 394 matches

by keystone
Wed Jun 21, 2017 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Co-workers advising to buy house RIGHT NOW
Replies: 59
Views: 4775

Re: Co-workers advising to buy house RIGHT NOW

Do you have a time machine? That sounds very 2005. I haven't experienced that type of conversation in a long time. Needless to say, only buy a house if you need a place to live and it's the right financial decision for you
by keystone
Tue Jun 20, 2017 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Does a tax managed fund belong in a roth acct
Replies: 8
Views: 638

Re: Does a tax managed fund belong in a roth acct

As others have said, the answer is definitively no. VBIAX would be more suitable if you're ok with a 60/40 allocation. I remember reading somewhere a few years ago that Vanguard will actually prevent the purchase of funds like VTMFX in a tax advantaged account or flash some kind of warning message, ...
by keystone
Fri Jun 16, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA traditional - what is it?
Replies: 16
Views: 901

Re: TIAA traditional - what is it?

I started adding money to TIAA Traditional in 2008 in a 403b plan. I left the company in 2011 and rolled over my 403b into an IRA at Vanguard, except that whatever I had in Traditional had to stay in the 403b plan, according to HR. Fortunately it was just a small amount of money, but I would have n...
by keystone
Fri Jun 16, 2017 9:06 am
Forum: Investing - Help with Personal Investments
Topic: TIAA traditional - what is it?
Replies: 16
Views: 901

Re: TIAA traditional - what is it?

I started adding money to TIAA Traditional in 2008 in a 403b plan. I left the company in 2011 and rolled over my 403b into an IRA at Vanguard, except that whatever I had in Traditional had to stay in the 403b plan, according to HR. Fortunately it was just a small amount of money, but I would have ne...
by keystone
Thu Jun 15, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a 25% pay cut for more professional satisfaction?
Replies: 57
Views: 3378

Re: Would you take a 25% pay cut for more professional satisfaction?

I once took a substantial pay cut only to find that the next job was even less enjoyable than the one before. So not only did I hate my job, I was making less money. I don't regret the decision though, because sometimes you have to take chances in order to make things better. I then left the lower p...
by keystone
Thu Jun 15, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Buying cost vs renting (specifically for me)... can anyone fact check this?
Replies: 36
Views: 1981

Re: Buying cost vs renting (specifically for me)... can anyone fact check this?

Allowing perhaps 1.% of the home's value for annual maintenance and repair expenses, would add another $667 per month you'd need to be able to set aside. That's a total of about $5,148 per month to own the home, and that's before you heat it cool it and furnish it. Property taxes at perhaps 1.% of ...
by keystone
Tue Jun 13, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Highlander vs. Pilot
Replies: 30
Views: 2962

Re: Highlander vs. Pilot

We bought a 2017 Highlander XLE and love it. We made up our mind last year that we wanted a Highlander over the Pilot based on our test drive and my belief that the Highlander will prove to be more reliable over time. We waited until 2017 because Toyota added the Safety Sense package as standard equ...
by keystone
Tue Jun 13, 2017 7:56 am
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 4271

Re: Dehumidifier woes

Timely thread for me. My wife recently informed me that our 50 pint Frigidaire stopped working after about 4 years of seasonal use. I was a little annoyed that it needed to be replaced, but after reading a lot of reviews it seems like 4 years is about the average life expectancy. I just replaced it ...
by keystone
Mon Jun 12, 2017 10:50 am
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 11788

Re: Bogle Doubles Down on US Index Funds

JoMoney wrote:Here's a chart of the MSCI Vietnam index since 2006
... it did not escape 2008 unscathed...


Thanks! That's about what I would have expected.
by keystone
Mon Jun 12, 2017 7:57 am
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 11788

Re: Bogle Doubles Down on US Index Funds

If the U.S. goes down, everyone is coming with us anyway. America went down in 1974, 1981, 2000, and 2008. Where I live didn't "go down" any of those times. What goes down must first be up. Vietnam, as one of those "emerging" markets that somehow never emerges, was never up. Did...
by keystone
Sun Jun 11, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Vue/Sling tv users--what do you miss?
Replies: 43
Views: 2540

Re: Vue/Sling tv users--what do you miss?

The only thing I really miss are my favorite CBS shows. I did just sign up for a one week free trial of CBS All Access and it's nice to binge watch all the shows I've missed the last six months. I may just end up paying for a month or two to fully catch up. Other than that, I don't think there's any...
by keystone
Fri Jun 09, 2017 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Fees
Replies: 8
Views: 821

Re: 529 Fees

Nevada https://personal.vanguard.com/pdf/529progdesc.pdf Page 30. Interesting that their single funds tend to be more expensive than their portfolio funds. Thanks for posting this. Yes, interesting. When I signed up for the Nevada plan a few years ago, I just wanted a 3 fund portfolio so I chose th...
by keystone
Fri Jun 09, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 225
Views: 33522

Re: Regret early retirement/downsizing

I am not there yet. My fear is that I like seeing my assets go up every month. I am not sure I am ready to see them stay stagnant or go down. So I am still working. I'm less than 6 years away and I wonder about this too. I get a lot of satisfaction seeing assets go up over time and don't know how I...
by keystone
Fri Jun 09, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Recession Planning
Replies: 35
Views: 2464

Re: Recession Planning

I don't think about recessions at all. Like some other posters, I have been employed through a few of them and I even switched jobs voluntarily during the height of The Great Recession. Other than living beneath your means and choosing an appropriate asset allocation, the next thing I would do is ma...
by keystone
Fri Jun 09, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: Electric Razor
Replies: 17
Views: 1415

Re: Electric Razor

I bought a Braun Series 7 on sale at Costco last year. It's the best electric razor I've ever owned.
by keystone
Thu Jun 08, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: Buying a House with an Old but Working Roof
Replies: 19
Views: 1019

Re: Buying a House with an Old but Working Roof

Buying and selling houses is all about supply and demand. Before we bought our current house, the home inspector told me that the roof should be replaced in about 3 years. We went ahead and bought the house anyway because we knew that we were facing a multiple offer situation and if we didn't make a...
by keystone
Wed Jun 07, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: KF's Worst Case Retirement Plan [KlangFool's]
Replies: 252
Views: 16788

Re: KF's Worst Case Retirement Plan [KlangFool's]

3) So, in my case, there are at least 3 persons in the household working on $10 per hour job. We do not need another one. It makes more financial sense for me to get a good paying job/contract or do nothing. Yes, but by your own admission you could be unemployed for a very long period of time in IT...
by keystone
Sat Jun 03, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Book - The New Retirementality
Replies: 26
Views: 3337

Re: Book - The New Retirementality

what exactly are you going to do with an extra 40 + hours per week of time I can think of a million other things I'd rather do than come to work 5 days/week. Whenever I hear somebody say they love work and they will never quit, or I see people in their late 60s and 70s working, I just wonder if the...
by keystone
Thu Jun 01, 2017 2:22 pm
Forum: Investing - Theory, News & General
Topic: What makes a Conservative BHer? for retirement purposes
Replies: 16
Views: 1333

Re: What makes a Conservative BHer? for retirement purposes

itstoomuch wrote:
keystone wrote:Just my opinion, but one who thinks that a 4% SWR is too risky for a 30 year retirement.

Depends on what the is in the retirement portfolio. Current interest rates would suggest that 4% is too aggressive :|
YMMV

True, so I'll add with a portfolio of at least 30% stocks to my statement.
by keystone
Thu Jun 01, 2017 2:12 pm
Forum: Investing - Theory, News & General
Topic: What makes a Conservative BHer? for retirement purposes
Replies: 16
Views: 1333

Re: What makes a Conservative BHer? for retirement purposes

Just my opinion, but one who thinks that a 4% SWR is too risky for a 30 year retirement.
by keystone
Thu Jun 01, 2017 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Future Retirement Plan
Replies: 46
Views: 3000

Re: Future Retirement Plan

As conservative as this forum is I'm a bit surprised at the responses. If you don't pay off the mortgage, you are at 4% SWR, if you do pay off the mortgage, you are at a 3.33% SWR. That being said, with your proximity to social security, I suppose this mitigates much of the risk. I think you basica...
by keystone
Wed May 31, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Future Retirement Plan
Replies: 46
Views: 3000

Re: Future Retirement Plan

Folks, 5) I had passed the second bend point with social security. 20K at 62 years old 29K at 67 years old 36K at 70 years old Stay-at-home spouse received 50% of my social security income. Is the 50% spousal social security excluded from your numbers above? Meaning your total SS including spouse w...
by keystone
Fri May 26, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 107
Views: 13532

Re: i am my own "guy," but not sure I should advertise that

I talk about investing and BH philosophy all the time with friends, family and co-workers. I think part of the reason why is that anyone who knows me in real life knows that it's part of who I am. Most of the time the conversations are great even if I don't agree with everything. On the other hand, ...
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: 12
Views: 1650

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: 12
Views: 1650

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: 9332

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: 64
Views: 3927

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: 566

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: 624

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: 7651

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: 1370

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: 3366

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: 18537

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: 14054

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: 1125

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: 9093

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: 7142

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: 1731

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: 4174

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: 14950

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: 7415

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: 225
Views: 12070

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: 3204

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: 1156

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: 2144

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: 2563

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: 1603

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: 1248

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: 1458

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: 1731

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...

Go to advanced search