Search found 476 matches

by keystone
Fri Apr 20, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 94
Views: 4970

Re: Do you buy new or used cars?

I like Honda and Toyota. They are a bargain new but hold their value so well it's not worth it to buy used unless you negotiate a lot. The cost per year is not much different if you drive it for 10-15 years. This is exactly as I see it, also coming from a Honda and Toyota family. I would take the c...
by keystone
Wed Apr 04, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Maryland 529 College Investment Plans
Replies: 13
Views: 1189

Re: Maryland 529 College Investment Plans

(Followup question - is there a dedicated section on the Forum where I can ask regional-specific questions such as this?) I'm also a MD resident and the closest forum that I have seen to what you're looking for is the Money & Finances forum on DC Urban Moms and Dads. Lots of regional DC, MD & VA fi...
by keystone
Mon Mar 19, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Fast IRS refund
Replies: 38
Views: 3460

Re: Fast IRS refund

quizzer25 wrote:
Mon Mar 19, 2018 11:46 am
How many days is it taking for people filed returns in March? I filed on 5th and its still in process.
I filed mine on Sunday, March 11 and received it today.
by keystone
Fri Mar 16, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: At what point does it make sense to pay down your mortgage?
Replies: 76
Views: 7886

Re: At what point does it make sense to pay down your mortgage?

I have a 30 year 3.25% note with 28 years remaining. We're at the point where I can buy a CD and almost get better return on capital than prepaying this mortgage. I think the odds that we make it 28 years without an inflation print in excess of 3.25% for at least a handful of years is quite low. So...
by keystone
Thu Mar 01, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179
Replies: 34
Views: 3995

Re: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179

Amazon currently has a Prime Exclusive deal for the 64 gb storage/4gb ram version for $219.99. This is around the best price I have seen so far.

The G6 is coming out in the not too distant future which should bring the price down even further.
by keystone
Tue Feb 27, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: # X Gross = Home price?
Replies: 81
Views: 5720

Re: # X Gross = Home price?

I don't think it makes a whole lot of sense to follow a rule of thumb for a house purchase price based on gross income, because it does not take into consideration what you have already saved for a down payment. That's why I think figuring out a desired mortgage amount is a better way to approach it...
by keystone
Tue Feb 27, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Visa now 5% back at Whole Foods
Replies: 30
Views: 2778

Re: Amazon Prime Visa now 5% back at Whole Foods

This card is perfect for families like mine, who are Prime members and regularly shop at Whole Foods. Seems like a no brainer to me.
by keystone
Fri Feb 23, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: How am I really doing for retirement savings?
Replies: 45
Views: 4470

Re: How am I really doing for retirement savings?

A huge number of "how am I doing" threads are like this. This board can be pretty obnoxious sometimes. I'm glad I'm not the only one with this observation. I like to click on them just for the humblebrag amusement factor. I would say significantly more than half fall into that category. If the pers...
by keystone
Wed Feb 21, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37341

Re: What UN-frugal thing do you do?

Traded In A 2017 Honda Civic (4600 miles) For Upgrade ,Civic Sport Touring 2018. Wrote a Check for the difference. It is fun. :mrgreen: :happy :mrgreen: :happy I love this one! I have a 4 year old Accord that only has 16,000 miles on it and I often think about trading it in for a new car, but I kee...
by keystone
Wed Feb 21, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: When is Costco cash back coupon arriving?
Replies: 23
Views: 2119

Re: When is Costco cash back coupon arriving?

I received mine on February 17th via email.
by keystone
Fri Feb 09, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 96
Views: 6094

Re: I didn't tax-loss harvest this month, did you?

Nope, unless we have a legitimate market crash I won't be tax loss harvesting anytime soon. For the past year or so, all new money that I have been adding to my taxable account has been to bonds in an effort to bring down my stock allocation. All of my stock holdings are significantly in the black. ...
by keystone
Thu Feb 08, 2018 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 195
Views: 29540

Re: How to Minimize Your Emergency Care Expenses

If you realize you screwed up and went to the ED when you shouldn't have, chalk it up to life experience and don't make that mistake again. Most of us (including me) have made that mistake. Great post! This is exactly what I got out of my expensive and unpleasant ER experience for pneumonia last ye...
by keystone
Wed Feb 07, 2018 10:43 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 190
Views: 34831

Re: What's your U.S. : International ratio?

75% US 25% international
by keystone
Wed Jan 31, 2018 4:45 pm
Forum: Investing - Theory, News & General
Topic: Alan Greenspan says there are bubbles in both stocks and bonds
Replies: 87
Views: 8219

Re: Alan Greenspan says there are bubbles in both stocks and bonds

Greenspan totally missed seeing the housing bubble, I wouldn't put too much stock in any of his predictions.
by keystone
Fri Jan 26, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax - Download?
Replies: 7
Views: 506

Re: Turbo Tax - Download?

I was doing a little surfing last night to try to find a good price on TT (I use Deluxe). It looked like a download version was $10 more than a CD version. Is that the price for instant gratification, I wonder? Yeah, I was surprised by this and ended up purchasing the CD version to save $10. I don'...
by keystone
Thu Jan 25, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: How do you decide how wealthy you really are?
Replies: 58
Views: 8062

Re: How do you decide how wealthy you really are?

I update my net worth once per year. I find that this is useful for long term planning purposes. I know that I have enough to pay my bills and maintain my lifestyle even if the market dropped 50%. I don't really see much value in measuring my wealth on a day to day basis. If the market goes up or do...
by keystone
Wed Jan 24, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 9083

Re: Working in the real world

First of all I want to apologize for an emotional reaction that I had to a previous post https://www.bogleheads.org/forum/viewtopic.php?f=1&t=239049 . It was due to a claim that someone could make $80k/year working part time in semiretirement. I haven't read this entire thread yet, so I apologize i...
by keystone
Tue Jan 23, 2018 8:40 am
Forum: Investing - Help with Personal Investments
Topic: AA and early retirement
Replies: 6
Views: 631

Re: AA and early retirement

I have two separate allocations, one for my taxable account which I plan to use to fund my early retirement from age 49 to 59.5 and a separate allocation for my 401k+IRAs which I am hoping to not touch for another 17 years. It's always made sense for me to do it this way.
by keystone
Thu Jan 18, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning in Mid-20's
Replies: 8
Views: 1195

Re: Retirement Planning in Mid-20's

Welcome! It sounds like you're doing a lot of things right and will be well on your way to early retirement. Like you, I had a similar goal at your age and now at age 43 I think I'm on track for financial independence before 50. My advice is to not worry at this point about how you will fund your ea...
by keystone
Wed Jan 17, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: How will or might nonprofits be affected by tax law changes?
Replies: 36
Views: 1939

Re: How will or might nonprofits be affected by tax law changes?

Yes, I am confident that overall donations will be reduced. My charitable contributions for 2018 will likely no longer be deductible, so I am contemplating that I will reduce my contributions by the amount of the lost deduction. I suspect there are other donors who will do something similar.
by keystone
Wed Jan 10, 2018 9:24 am
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 126
Views: 21419

Re: 1 Reason Not to Pay-Off a Mortgage

Bogleheads: Not everyone wants to leave heirs equity in a difficult to sell, mortgage-free home for heirs to squabble over. When Pat and I were in our 80s, we took out a (low-interest) mortgage on our condo so we could give our heirs our home equity while we were still alive and when they needed it...
by keystone
Sat Dec 30, 2017 10:08 am
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 2998

Re: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)

Same problem here. It's funny to me that this occurred on the one and only day of the year that I update the balance in my spreadsheet.
by keystone
Thu Dec 21, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 54168

Re: Tax Bill Omnibus Thread

In not in any way a tax professional, but there seems to be the thought by some that if one prepays their mortgage payments now for 2018 and even further, say 2019, that they can use that interest they are prepaying to their advantage for itemizing. I just don't believe that is legitimate. I'd cons...
by keystone
Thu Dec 21, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 54168

Re: Tax Bill Omnibus Thread

People should be re-examining whether or not to prepay their mortgage, at least if they are potentially in a position to do so. Switching from itemization of deductions to standard deduction completely nullifies any benefit of mortgage interest deductibility. In addition, the increase in the standa...
by keystone
Thu Dec 21, 2017 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 54168

Re: Tax Bill Omnibus Thread

I live in Maryland. Maryland has a notoriously low standard deduction. Even under current law, it sometimes pays to itemize on Federal even if the standard deduction is better because the combined Fed+MD tax will be lower. Excellent suggestion, thanks. This is something I never considered but it's ...
by keystone
Thu Dec 21, 2017 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 54168

Re: Tax Bill Omnibus Thread

For those living in high tax states, have you explored what impact this tax reform might have on your state and local income tax amounts? I am a MD resident and will have lower deductions in 2018 as a result of the increased standard deduction and 10K cap on SALT. Lower deductions mean higher taxabl...
by keystone
Wed Dec 20, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 54168

Re: Tax Bill Omnibus Thread

I ran the taxplancalculator.com tool and compared it against my own excel spreadsheet that I built for this whatif purpose. Married Filing Jointly, no children, Florida, standard deduction - Identical results produced from both my spreadsheet and the online calculator. I ran it and it calculated my...
by keystone
Wed Dec 20, 2017 8:56 am
Forum: Investing - Theory, News & General
Topic: Who missed out on maximizing 401k?
Replies: 62
Views: 6005

Re: Who missed out on maximizing 401k?

I instructed my employer to do bi-weekly deductions of $692.30. If you multiply that by 26 pay periods you get $17,999.80. I could have changed my deduction for the final pay period to contribute the additional .20, but I didn't think it was worth the effort. That extra 20 cents a year won't acceler...
by keystone
Wed Nov 29, 2017 5:05 pm
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 10652

Re: Which crash have you seen it before it is coming?

I was confident that there would be a significant correction to tech stocks in the late 90's early 2000's. I was very confident about a real estate bubble in the early 2000's and knew a crash was inevitable. I didn't really see the 2008-9 stock crash coming. As another poster pointed out, a lot of u...
by keystone
Wed Nov 29, 2017 8:35 am
Forum: Investing - Theory, News & General
Topic: Tracking the Bitcoin Bubble in Real Time?
Replies: 70
Views: 5646

Re: Tracking the Bitcoin Bubble in Real Time?

As of a month ago, William Bernstein doesn't think that Bitcoin meets his criteria for a bubble because: 1.) It has not yet become the primary topic of social gatherings 2.) People aren't quitting high-paying jobs to speculate in Bitcoin 3.) Skeptics of Bitcoin aren't yet met with anger. 1 and 3 we...
by keystone
Wed Nov 08, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Did we make it to "The 2 Comma Club"? Maybe not?
Replies: 21
Views: 3851

Re: Did we make it to "The 2 Comma Club"? Maybe not?

Yes you made it, congratulations!

Perhaps your next 2 comma goal could be invested assets.
by keystone
Tue Nov 07, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 5469

Re: Poll-How much do you have in your HSA?

About $5,800. We just started it for 2017 and I sure wish we had signed up a few years ago when it was first available to us. What held me back was fear of large medical bills with the birth of my son, but I bet we would have still come out way ahead nevertheless.
by keystone
Tue Nov 07, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 4970

Re: I Cut the Cord yesterday!

Its odd that people brag about cutting the cable then they purchase other services to replace cutting the cable. Netflix, hulu, youtube tv, playstation tv, etc etc. I cut cable a year ago and the savings have been minimal to me (~$10-$20 per month), however I'm really glad that I made the move beca...
by keystone
Thu Oct 26, 2017 9:15 am
Forum: Investing - Theory, News & General
Topic: Emotional impact of spending down assets?
Replies: 100
Views: 11293

Re: Emotional impact of spending down assets?

This is a subject I think about at times and predict that I will have some struggles with this when I retire. On the other hand, I suspect that the joys of not working will alleviate much of this.
by keystone
Wed Oct 25, 2017 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Can one have too much money in tax-deferred
Replies: 128
Views: 12923

Re: Can one have too much money in tax-deferred

I'm probably also in the camp of having "too much money" in tax-deferred. I've maxed out 401Ks and IRAs throughout my 21 year career while fortunately employed by organizations with very generous retirement plan contributions. I've never made huge salaries, so I have not been able to save in taxable...
by keystone
Tue Oct 17, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 549
Views: 59791

Re: Fellow TDA bogleheads

Zach wrote:
Tue Oct 17, 2017 9:13 am
SPTM has an expense ratio of 0.10%, not as good as the 0.04% from VTI. I'm a little irked by TDA emailing me the bad news masquerading as good news.
Where do you see 0.10%? I thought it was 0.03% per this link: https://us.spdrs.com/en/etf/spdr-portfo ... t-ETF-SPTM
by keystone
Tue Oct 17, 2017 9:14 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 549
Views: 59791

Re: Fellow TDA bogleheads

I have my HSA at TDA. Seems like there's no reason to sell the Vanguard ETF I currently own. But I'll need to pick a new ETF for future investments. That's what I'm thinking. Assuming there will be no fees with dividend reinvestment (I don't think there will be), I don't see any reason not to conti...
by keystone
Sat Oct 14, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 158
Views: 16215

Re: anyone else not liking the new cars?

Funny, we bought a 2017 Highlander and I like the new grill. Plus I just looked up the new ES 350 and think it looks really nice. I guess love is blind!
by keystone
Tue Oct 10, 2017 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Made a career mistake- advice/next steps
Replies: 35
Views: 6091

Re: Made a career mistake- advice/next steps

I started a job that I disliked and at around the 4 month point I decided to start looking. I ended up finding a new job very quickly and have been here 6 years now. I had to field questions about why I was looking to leave after such a short period of time. I answered the questions honestly and I d...
by keystone
Thu Oct 05, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 4845

Re: How do you value your time?

livesoft wrote:
Thu Oct 05, 2017 10:32 am
It depends on what I am going to do with the time that is saved when one pays for convenience.
+1. I will happily park a mile away to save $10 because I like walking, while at the same time I will happily pay someone $ to do jobs I don't want to do (e.g. house painting).
by keystone
Thu Oct 05, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: That blank stare... ?
Replies: 49
Views: 3526

Re: That blank stare... ?

That's the way it is in my household. My wife has no interest in anything money related, so I take care of everything financial. I have login access to her accounts and do it all (setup beneficiaries, contributions amounts, allocations, etc.). Other than the fear of how she would manage without me, ...
by keystone
Thu Sep 28, 2017 9:57 am
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 17069

Re: Why do you LBYM? Why do you save and invest?

LBYM is very simple to me. I've never particularly liked working any of the jobs that I've had, or to put it a different way, if I was ever given a choice between working and not working (assuming money and health were not a concern), I would choose not working 100 out of 100 times. So LBYM and inve...
by keystone
Wed Sep 27, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Do you avoid risky adventures once you have the money?
Replies: 71
Views: 4755

Re: Do you avoid risky adventures once you have the money?

Interesting discussion. When I was 18, my friend and I were discussing how our behavior would change if we won the lottery and I remember we half jokingly agreed that we would "value our lives more" and refrain from certain activities that we would perceive to be riskier. For example, I remember we ...
by keystone
Tue Sep 26, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: BH phone review: Moto G5 Plus
Replies: 35
Views: 3460

Re: BH phone review: Moto G5 Plus

I have a G5 Plus without ads(4GB Ram + 64 GB storage) and it is a fantastic phone. The things I love most about it are the smaller size (it can easily fit in my pocket compared to the bulkiness of the G4), fast speed, very good camera and incredible battery life. I've had the phone for six months no...
by keystone
Sat Sep 23, 2017 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 9794

Re: Age you retired

I am currently 43 and my plan is to retire by 49, although I am seriously leaning towards working 3 days a week at 45, which may push back my full retirement a little bit.
by keystone
Mon Sep 18, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Best Practices - 2FA - SMS and Phone Type?
Replies: 7
Views: 561

Re: Best Practices - 2FA - SMS and Phone Type?

A couple of questions on security setups with respect to two factor authentication and SMS vs receiving codes via phone: 1) Even if you have to use SMS rather than Google Authenticator, Authy; key; or other methods, etc., IT IS BETTER to have 2FA, then not have it. Correct? Let's say someone ports ...
by keystone
Sun Sep 17, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 159
Views: 14541

Re: Account security - Hackers gain access to mobile and then break havoc

How do the bad guys get into your iPhone? I have to either enter the six digit pin or use a finger print to access whenever I use it. The US govt spent a million bucks to break into the iphone of the terrorist in San Bernardino CA, so has something changed with mobile phone security? If people choo...
by keystone
Sun Sep 17, 2017 7:45 am
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 159
Views: 14541

Re: Account security - Hackers gain access to mobile and then break havoc

Some reasons SMS two factor authentication is problematic: https://www.wired.com/2016/06/hey-stop-using-texts-two-factor-authentication/ Good article overall, but I am lost by this part "Adding a layer of SMS-based verification to your login process is certainly better than relying on a password al...
by keystone
Sat Sep 16, 2017 7:34 am
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 159
Views: 14541

Re: Account security - Hackers gain access to mobile and then break havoc

Someone please correct me if I am wrong, but the hacker would not only need to port your number, but they would also need to know what email address is associated with the mobile number? In other words, just porting the number would not be enough to gain control of someone's email? I'm not saying th...
by keystone
Thu Sep 07, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: For those planning early retirement....
Replies: 67
Views: 10391

Re: For those planning early retirement....

1) I plan to do all of the same things that I currently like to do, except to a greater extent. This includes running, biking, hiking, smoking meat, watching movies, reading, etc. I don't really see any of this escalating my current level of expenses and by not working I would be saving on commuting...