Search found 36 matches

by stonerolled
Wed Aug 03, 2016 7:48 pm
Forum: Investing - Theory, News & General
Topic: How long to turn 1 million to 2 millions for you?
Replies: 44
Views: 7967

Re: How long to turn 1 million to 2 millions for you?

The answer to the question is usually [OT comment removed by moderator prudent] a lot shorter than the first million. This is because they probably saved and lived below their means for the first million and it became a lifestyle for the second million. I am beginning to think that the best part of ...
by stonerolled
Sat Mar 05, 2016 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: dividend forms
Replies: 3
Views: 234

Re: dividend forms

Thanks for the reminder of the account changes that took place last year and explain the split. The grand total was reported. The same thing happened to with my HSA with 2 forms needed to complete the taxes.
by stonerolled
Sat Mar 05, 2016 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: dividend forms
Replies: 3
Views: 234

dividend forms

Can someone explain why it seems that the same funds are 1099 reported with different values on mutual fund vanguard and on brokerage vanguard?
Thanks.
by stonerolled
Fri Jan 15, 2016 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Saving for the future vs you only live once
Replies: 72
Views: 8975

Re: Saving for the future vs you only live once

Achieving financial independence can be an adventure in 'you only live once'. If the goal of 'you only live once' is to get the most out of life, I would pick the after 30 as the winner. Before 30 - consumption, few lessons learned, impatience, speculation, lost trust, dissatisfaction, dramatic, etc...
by stonerolled
Fri Jan 08, 2016 3:37 pm
Forum: Personal Consumer Issues
Topic: Tough Frugal Decisions
Replies: 111
Views: 19457

Re: Tough Frugal Decisions

By the time decisions were made, it wasn't so tough on these. Tough getting to that point though. Trading an accord for a fit. (the fit actually holds more stuff) ditching cable and buying an antenna. (mostly surf internet anyway) going from restaurants to making food at home. (also for health reaso...
by stonerolled
Sun Jul 12, 2015 1:43 pm
Forum: Personal Consumer Issues
Topic: Mini-split air conditioner
Replies: 15
Views: 2464

Re: Mini-split air conditioner

I cant comment on mini split ac's but we had to give up on a 2 unit 3 level townhouse layout and add a window unit to the 3rd level. 2 story homes with one unit have always been a challenge. In summer the return air should be in the second floor ceiling, in winter on the first level floor. This way ...
by stonerolled
Sat Jul 11, 2015 9:47 pm
Forum: Investing - Theory, News & General
Topic: Bogle puts a bow on it in under 15 minutes
Replies: 29
Views: 7667

Re: Bogle puts a bow on it in under 15 minutes

thank you Mr. Bogle for even using the following word, not with merrill lynch, not with Edward jones did I learn it... "A fiduciary is someone who has undertaken to act for and on behalf of another in a particular matter in circumstances which give rise to a relationship of trust and confidence...
by stonerolled
Tue Jun 16, 2015 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Nice Milestone Reached Last Week
Replies: 41
Views: 7507

Re: Nice Milestone Reached Last Week

Congrats...

I don't really have anyone to tell my milestones to either.
My first 100k too a long time. The second not nearly as long.
Not much good can come from even those close to you about such matters.
I am glad for forums like this.
by stonerolled
Sun May 24, 2015 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: A different way of calculating when to retire
Replies: 26
Views: 3105

Re: A different way of calculating when to retire

When one has enough, I don't think it comes down to 33X or the amount of money you have. Instead, it probably depends on how filled your BS bucket becomes. I can see as the net worth plus benefits line intersects with the work BS plus 'time for other things' line, then the math will become less imp...
by stonerolled
Sat Apr 25, 2015 2:51 pm
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 255
Views: 31285

Re: What do you drive, and why?

2009 honda fit 70000 miles the magic seats allow a bicycle with front wheel off to fit upright. always wanted a base honda since I spent a summer in california and had use of a seventies civic. Taylor posted once that total cost to own difference from base to high end can be $5000 per year and that ...
by stonerolled
Tue Feb 17, 2015 11:37 am
Forum: Personal Finance (Not Investing)
Topic: If no heirs, then where and how?
Replies: 6
Views: 928

If no heirs, then where and how?

If am interested to hear how those with no spouse or children have handled wills, beneficiary forms, etc. My 2 investments accounts are reaching mid six figures and account for 2/3's of my net worth. From what I understand, a non-profit tax number is all that is needed on an account beneficiary form...
by stonerolled
Sat Jan 17, 2015 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Benefits of Second Home
Replies: 35
Views: 3865

Re: Benefits of Second Home

I may try a second home in retirement. Being single, i have to do all the chores for one household which takes up a lot of the weekend. My recreational time has to include cycling and weight lifting to keep long term knee problems at bay so this takes up more precious weekend time too. It would also...
by stonerolled
Mon Dec 22, 2014 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: What % of net worth is your home?
Replies: 127
Views: 13742

Re: What % of net worth is your home?

20-25%, house is paid for.
by stonerolled
Mon Dec 22, 2014 2:01 pm
Forum: Personal Consumer Issues
Topic: Don't be tempted to buy your teen a cheap (old) car, parents
Replies: 139
Views: 13761

Re: Don't be tempted to buy your teen a cheap (old) car, par

all teens should ride motorcycles the first five years....that way they will either learn to drive defensively or become a Darwin award candidate. assuming someone will stop at a traffic signal is mighty bold when you are riding a motorcycle...now I drive my car like I do my motorcycle. Its nice to ...
by stonerolled
Tue Nov 18, 2014 8:08 pm
Forum: Investing - Theory, News & General
Topic: When do your account returns dwarf your contributions?
Replies: 51
Views: 8485

Re: When do your account returns dwarf your contributions?

It is an awesome prospect to have substantial unearned income. Sometimes the 'change in value' dwarfs my contributions now after 18 years. The temptation to just let the account work from now on is there but one of the benefits of keeping savings set to max is the money cant be spent. If the money c...
by stonerolled
Fri Nov 14, 2014 3:23 pm
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 7905

Re: Your car(s) are equal to how many months income

just the car, one month, add motorcycle and scooter, 3 months,
disregard gross income, pure take home after saving, 7 months.
by stonerolled
Fri Oct 24, 2014 7:23 pm
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 9270

Re: Do you regret buying your home?

No. no regrets. It has been a learning experience for sure. The neighborhood is hanging in there probably due to location. My immediate neighbors are a blessing. The property drains well which I didnt consider at purchase. My projects have been fencing, security upgrades, and insulation and sealing....
by stonerolled
Sat Aug 23, 2014 6:18 pm
Forum: Investing - Theory, News & General
Topic: To be truly rich, take stock of your life before investing
Replies: 30
Views: 5061

Re: To be truly rich, take stock of your life before investi

I am very grateful for boglehead concepts such as LBYM and replace expenses not income one day. The idea of financial independence and freedom is important to me. When and if this is achieved, a test of character will take place. Riches and achievements are giving way to comfort and opportunities as...
by stonerolled
Sun Jul 20, 2014 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 4523

Re: how often do you look at your account

minimum of 2 weeks because that is when I make roth contributions.
by stonerolled
Sat Jun 28, 2014 10:12 pm
Forum: Investing - Theory, News & General
Topic: "Being Done" Saving: White Coat Investor blog post
Replies: 47
Views: 8766

Re: "Being Done" Saving: White Coat Investor blog post

Sometimes I think that the best part about saving isnt about the money saved but the living within and below your means. Whether the money grows to 10 million or ends up being just enough, there was some cushion built in. Its like having insurance or an emergency fund on a lifelong scale. This benef...
by stonerolled
Tue Jun 24, 2014 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Late starters: what age did you start investing?
Replies: 94
Views: 11989

Re: Late starters: what age did you start investing?

I began deferring income to investments at age 33.
Had a modest inheritance in high cost, front load ML and EJ funds since 22. A non-boglehead parent chose those.
Been passive investor since age 44.
by stonerolled
Sun May 25, 2014 4:25 pm
Forum: Personal Consumer Issues
Topic: Worst "Large purchase" ever?
Replies: 110
Views: 13784

Re: Worst "Large purchase" ever?

RV van. Bought it used for $19K, and thought it was a deal! It cost $50k new! And then I put in $5k bringing it up to modern specs. And $400 in insurance every year. And an $80 inspection and $70 registration each year. We used it 3 times. Now I'm looking for charities who will take it away, and ha...
by stonerolled
Sun Aug 18, 2013 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you trying to save so much money?
Replies: 131
Views: 25350

Re: Why are you trying to save so much money?

I have been somewhat sick of saving lately. I really want a weekend escape but when I think long enough, I realize that my primary residence takes up enough time where I would not enjoy a full time getaway. Unused or underused things drive me crazy. Saving is somewhat addictive, you begin with a bas...
by stonerolled
Thu Aug 08, 2013 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Your Home is Not a Good Investment
Replies: 145
Views: 14794

Re: Your Home is Not a Good Investment

Its hard to put a price on the responsibility that home ownership teaches. If the maintenance involved is done by the owner, and he gets better at it as time goes on, that adds value. Some owners are now applying technology to save energy costs as a hobby. Some owners grow vegetables which reduces t...
by stonerolled
Tue May 21, 2013 9:11 pm
Forum: Personal Consumer Issues
Topic: can i buy my sportscar?
Replies: 129
Views: 10346

Re: can i buy my sportscar?

its not the money, its the time, do you have the time to enjoy it? Or is this the fourth toy in line collecting dust in the garage?
by stonerolled
Fri Mar 15, 2013 8:15 pm
Forum: Personal Consumer Issues
Topic: Can a Frugal Boglehead date and marry a non Boglehead?
Replies: 34
Views: 4799

Re: Can a Frugal Boglehead date and marry a non Boglehead?

Investment return = P*(1+r)^N/2^D where P is the amount invested, r is the rate of return, N is the number of years, and D is the number of divorces. :sharebeer I think you need extra parenthesis (P*(1+r)^N)/(2^D) not sure about order of operations but putting the exponential divorce factor in the ...
by stonerolled
Sat Jan 26, 2013 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: 457(b) Dividends Reflected in Share Price of Funds?
Replies: 7
Views: 1314

Re: 457(b) Dividends Reflected in Share Price of Funds?

I think I had the same question a while back

http://www.bogleheads.org/forum/viewtopic.php?f=1&t=107227

our expense ratio is .03%. I still dont really understand the investment trust thing.
by stonerolled
Tue Dec 18, 2012 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: 457 plan Blackrock funds, what does Coll F mean?
Replies: 3
Views: 545

Re: 457 plan Blackrock funds, what does Coll F mean?

Thanks for the reference. It describes the situation pretty well.
The article did not seem to have a negative tone on the subject.
by stonerolled
Tue Dec 18, 2012 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: 457 plan Blackrock funds, what does Coll F mean?
Replies: 3
Views: 545

457 plan Blackrock funds, what does Coll F mean?

I tried to find the dividends on my Blackrock Russell 1000 index Coll F and could not find it reported. My vanguard large cap index funds show the dividend transactions quarterly. I phoned Great West and they said that it really wasnt the fund but a collection of funds so the dividends are N/A. The ...
by stonerolled
Tue Dec 11, 2012 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: How did Bogle's philosophy affect your investing?
Replies: 16
Views: 1112

Re: Poll: How did Bogle's philosophy affect your investing?

Everything... The last 5 choices applied to me totally. +1 I really didn't understand investing or have a rational strategy until finding this site. I had been investing for 20+ years without a clue. :oops: +1 I read 'common sense on mutual funds' and after 23 years of ML and EJ, it all clicked and...
by stonerolled
Sat Dec 01, 2012 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Extra Principal vs. Investing
Replies: 25
Views: 2219

Re: Extra Principal vs. Investing

Paying off a car loan is great but it usually leaves you with an older car that will need replacing at some point. Why not set aside the "extra money" in a separate account that is safe and easy to keep track off and begin saving the cash to avoid all future car loans. You only have to ge...
by stonerolled
Fri Nov 30, 2012 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Extra Principal vs. Investing
Replies: 25
Views: 2219

Re: Extra Principal vs. Investing

Paying off a car loan is great but it usually leaves you with an older car that will need replacing at some point. Why not set aside the "extra money" in a separate account that is safe and easy to keep track off and begin saving the cash to avoid all future car loans. You only have to ge...
by stonerolled
Fri Nov 30, 2012 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Extra Principal vs. Investing
Replies: 25
Views: 2219

Re: Extra Principal vs. Investing

Paying off a car loan is great but it usually leaves you with an older car that will need replacing at some point. Why not set aside the "extra money" in a separate account that is safe and easy to keep track off and begin saving the cash to avoid all future car loans. You only have to get...
by stonerolled
Sun Sep 30, 2012 11:25 am
Forum: Investing - Theory, News & General
Topic: Getting married - what do I do for retirement?
Replies: 20
Views: 1733

Re: Getting married - what do I do for retirement?

How does one put 40k a year in a 401k? It seems the maximum for those 50+ is only $22,500. Welcome! The OP is discussing a Solo 401(k) : Solo 401k plan (Different than an employer's 401(k) plan) The limit is a combination of the employee salary deferral and employer profit sharing contributions. In...
by stonerolled
Sun Sep 30, 2012 8:24 am
Forum: Investing - Theory, News & General
Topic: Getting married - what do I do for retirement?
Replies: 20
Views: 1733

Re: Getting married - what do I do for retirement?

How does one put 40k a year in a 401k?
It seems the maximum for those 50+ is only $22,500.

Go to advanced search