Search found 448 matches

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: 9484

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: 4705

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: 3662

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: 4871

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: 4472

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: 10153

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: 11646

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: 484
Views: 44553

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: 484
Views: 44553

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: 135
Views: 11074

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: 5850

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: 4304

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: 3149

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: 15730

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: 4377

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: 3173

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: 8904

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: 489

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: 157
Views: 12527

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: 157
Views: 12527

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: 157
Views: 12527

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: 9138

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...
by keystone
Thu Sep 07, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 68
Views: 5359

Re: Do I need an Amazon Echo??.....

i bought mine not really knowing what i would use it for...and now that i've had it for over a year...i wouldn't want to live without it!!! +1. I went back and forth on whether I should get one for at least a year but took advantage of the last sale on Prime day. My family loves it and I am happy t...
by keystone
Wed Sep 06, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 25944

Re: Name something you had to have and now you regret purchasing it?

When we first moved into our house, within the span of a month we had two power outages that lasted 3-4 days each. I bought a 3500 watt generator like this one: https://www.amazon.com/Champion-Power-Equipment-46596-Generator/dp/B009XDSIFE?th=1 Not only have we not had a single power outage since the...
by keystone
Wed Sep 06, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: What is the main purpose of holding your current job?
Replies: 66
Views: 5960

Re: What is the main purpose of holding your current job?

For me, in 20 years, my feeling about my job changes from 1 to 4, currently at 3, almost reaches 4. Ditto for me. I'm usually at a 3 or 4, but sometimes I am at a 1. There's elements of my job that I like and once I am financially independent, I would consider a volunteer gig if I could eliminate t...
by keystone
Wed Sep 06, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 9485

Re: When calculating net worth, how do you value your house?

Do you use purchase price, appraisal value, property assessment, Zillow's Zestimate, or something else? I go with my best estimate, based on recent sales for homes that appear similar to mine in my immediate neighborhood. I also take note of the estimates on Zillow and Redfin which tend to be very ...
by keystone
Tue Aug 22, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Can you recommend a good mouse trap?
Replies: 44
Views: 2401

Re: Can you recommend a good mouse trap?

After a lot of failed attempts with the Victor mousetraps, I had nothing but success with these:

https://www.amazon.com/Intruder-30442-B ... B00APWMD3A

I love that these traps are reusable, you just snap them open and let the (dead) mouse come out.
by keystone
Sat Aug 12, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: New car vs used car
Replies: 9
Views: 964

Re: New car vs used car

Make a spreadsheet showing the overall cost of ownership with your personal criteria and see what you come up with. I went through this recently for a car purchase, assuming we'd keep the car long term, and the used car didn't end up being dramatically cheaper, so I went new. That's what I do and I...
by keystone
Tue Aug 08, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: kids think lazy if retire?
Replies: 70
Views: 8535

Re: kids think lazy if retire?

First of all, the folks stating that 30X current expenses is light.......I question your sanity and risk tolerance. WIth 30X current expenses @ 50, there is an extremely high probability that the OP will either receive health SS benefits or a pension at FRA. A 3.3-3.5% SWR has a 90-99% success rate...
by keystone
Mon Aug 07, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Help me pick a car
Replies: 54
Views: 4778

Re: Help me pick a car

There's also no cost penalty to the Prius no matter how much you drive. Look at Edmunds.com true cost to own that considers maintenance, depreciation, fuel, insurance, and reliability. Compared to a Camry, it pays off immediately to similar OTD prices. You save immediately on fuel. Compare to Corol...
by keystone
Mon Aug 07, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Need A New Verizon MVNO
Replies: 17
Views: 2003

Re: Need A New Verizon MVNO

I've been using Page Plus for a couple of years now and it's worked great. However, customer service is not one of their strengths especially if you need to speak to a live person on the weekends. I've had much better success using the chat feature.
by keystone
Mon Aug 07, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: Help me pick a car
Replies: 54
Views: 4778

Re: Help me pick a car

I'd look at the Honda Accord or Toyota Camry. I have a '14 Accord, it's roomy, reliable and very fuel efficient (I get 40+ mpg on the highway and mid to high 20's in the city). Although the Prius is a fine car and very reliable, if you have a short commute and do not plan to drive significant miles ...
by keystone
Fri Aug 04, 2017 7:47 am
Forum: Investing - Theory, News & General
Topic: Why Do Stocks Keep Hitting Records? msn/WSJ
Replies: 25
Views: 4167

Re: Why Do Stocks Keep Hitting Records? msn/WSJ

Stocks keep hitting new records because that is what stocks do. We had pretty much a flat US Stock Market from 2000 through 2012 or 2013. It took a long time to recover from the 2000-2002 and the 2008-2009 bear markets. People are marveling now that stocks really do go up, after the twin bear marke...
by keystone
Mon Jul 31, 2017 6:59 pm
Forum: Investing - Theory, News & General
Topic: "Why Don’t Vanguard’s Target Retirement and LifeStrategy Funds Own Admiral Shares?"
Replies: 37
Views: 4770

Re: "Why Don’t Vanguard’s Target Retirement and LifeStrategy Funds Own Admiral Shares?"

So why is Vanguard able to have two share classes (Investor and Admiral) for Vanguard Balanced Index Fund? Is it because it is not technically a fund of funds, but rather the fund itself attempts to mirror two indices? Correct. The balanced index fund is not a fund of funds. It holds stocks and bon...
by keystone
Mon Jul 31, 2017 1:04 pm
Forum: Investing - Theory, News & General
Topic: "Why Don’t Vanguard’s Target Retirement and LifeStrategy Funds Own Admiral Shares?"
Replies: 37
Views: 4770

Re: "Why Don’t Vanguard’s Target Retirement and LifeStrategy Funds Own Admiral Shares?"

So why is Vanguard able to have two share classes (Investor and Admiral) for Vanguard Balanced Index Fund? Is it because it is not technically a fund of funds, but rather the fund itself attempts to mirror two indices?
by keystone
Mon Jul 31, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Should we increase our retirement savings rate?
Replies: 35
Views: 2979

Re: Should we increase our retirement savings rate?

Do you have any aspiration at all to retire earlier than 55? If so, then I would say it's virtually impossible to over save for retirement, because more money means retire even earlier.
by keystone
Fri Jul 28, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Is a kamado grill/smoker worth it?
Replies: 28
Views: 3270

Re: Is a kamado grill/smoker worth it?

That's a great site for all things BBQ. I first heard of it on the old alt.food.barbecue usenet group. There I learned about things like the Minion Method (no yellow guys involved): http://virtualweberbullet.com/fireup2.html#minion Thanks! Yes, great website for WSM users. I've tried many of the re...
by keystone
Fri Jul 28, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Is a kamado grill/smoker worth it?
Replies: 28
Views: 3270

Re: Is a kamado grill/smoker worth it?

Thanks for all of the replies! It definitely gave me a lot to think about. It looks like I'll be deciding between the 22" WSM and a kamado. It sounds like they each have the pros & cons. To me the WSM's strength is that it does an amazing job as a smoker and once you're familiar with how it function...
by keystone
Fri Jul 28, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 135
Views: 11178

Re: Is Amazon Prime worth it?

It's worth it to me. It's really nice to order stuff in a pinch and know that I'll have it delivered in two days. Are the prices the best? Usually not, but I'm happy to pay a little extra to save me from having to do weeknight shopping runs. The Prime content is getting better and better and I find ...
by keystone
Tue Jul 25, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Is a kamado grill/smoker worth it?
Replies: 28
Views: 3270

Is a kamado grill/smoker worth it?

I've been using an 18.5" Weber Smokey Mountain for meat smoking and have had excellent results. I've been thinking about getting a second smoker mainly to have a larger capacity and was wondering if it was worth it to go the kamado route (e.g. Big Green Egg). My main interest is smoking, but part of...
by keystone
Tue Jul 25, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: YouTube TV - Anyone used or currently using?
Replies: 29
Views: 3625

Re: YouTube TV - Anyone used or currently using?

I will probably try it out soon since Vue will be raising their price and it is very appealing that Youtube TV has all three major networks in my region. The only thing holding me back right now is that it is not compatible with Roku or Fire TV. I don't like the idea of having to buy another device ...
by keystone
Thu Jul 20, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: 4% mortgage rate vs 2.5% BND yield
Replies: 92
Views: 7660

Re: 4% mortgage rate vs 2.5% BND yield

I also would like to add that I hope when everyone figures out what their tax savings are from carrying a mortgage they are subtracting out the loss of standard deduction. . Only relevant if the mortgage is what is making it worthwhile to itemize. If state and local taxes, charitable donations, etc...
by keystone
Sun Jul 16, 2017 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Finance Milestone: 20 Times Annual Expense
Replies: 95
Views: 9769

Re: Personal Finance Milestone: 20 Times Annual Expense

Congrats KlangFool!

I always enjoy your posts, they are to the point and very informative. I look forward to the post where you officially announce your retirement, in the not too distant future I suspect.
by keystone
Fri Jul 14, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: When to max out 401k (Aspiring Early Retiree)
Replies: 89
Views: 5605

Re: When to max out 401k (Aspiring Early Retiree)

While I like that blog post for the "Shock value", the truth is that the numbers in that post ignore so much of reality (tax savings, potential pensions, health care costs, social security etc etc etc) that they're practically useless. It's a rule of thumb, of course it's not going to apply perfect...
by keystone
Fri Jul 14, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: How to use Retirement Funds for College Savings
Replies: 53
Views: 3000

Re: How to use Retirement Funds for College Savings

I never said I wish/need to max out my retirement accounts, either. What I said was that while I can still contribute to retirment accounts, I see no reason to contribute anywhere else. I can use retirement money to pay for college expenses, or whatever else I want, while also getting tax advantage...
by keystone
Fri Jul 14, 2017 7:47 am
Forum: Personal Finance (Not Investing)
Topic: When to max out 401k (Aspiring Early Retiree)
Replies: 89
Views: 5605

Re: When to max out 401k (Aspiring Early Retiree)

I suggest you take a look at the link below from Mr. Money Mustache. Now I know some here like to nitpick certain aspects of his philosophy, but I believe the charts in this link do a great job at illustrating approximately how much you will need to save to retire early. http://www.mrmoneymustache.c...
by keystone
Thu Jul 13, 2017 3:29 pm
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 82
Views: 11464

Re: % bogleheads of overall population

I was stunned to read that 10% put in $16,200 in their 401k. I figured it was more like 2-3%, so I guess that's good news. This is a figure from Vanguard, so I wonder whether this is representative of all 401K plans or just the Vanguard plan. I've had access to payroll records from a variety of emp...
by keystone
Thu Jul 13, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Cutting the Cord: Who's Best?
Replies: 46
Views: 5664

Re: Cutting the Cord: Who's Best?

Vue has been working really well, but I'm not too happy about the $10 price increase which is coming soon. Existing customers will be grandfathered into the lower price for 3 more months. At that point, I may switch to YouTube TV which is coming to my region in a few weeks. In case anyone is interes...
by keystone
Wed Jul 12, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: How to use Retirement Funds for College Savings
Replies: 53
Views: 3000

Re: How to use Retirement Funds for College Savings

Yes, you can withdraw principal contributions from a ROTH, by doing so you eliminate the ability to earn tax-free gains/interest and dividends so why would anyone suggest this as a way to pay for anything beyond retirement? I didn't recommend it, but if my choices were withdraw from the Roth (assum...
by keystone
Wed Jul 12, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: How to use Retirement Funds for College Savings
Replies: 53
Views: 3000

Re: How to use Retirement Funds for College Savings

Just a few thoughts off the top of my head: Roth contributions can be withdrawn anytime free and clear of tax and penalties. One could take out a 401K loan. There's IRS rule 72(t) which permits early withdrawals free of penalties. For older parents who will be 59.5 or older while their kids are in c...