Search found 105 matches

by kilkoyne
Sat Jul 13, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: Pickup truck issue!!
Replies: 39
Views: 2917

Re: Pickup truck issue!!

Did your truck throw the code P-0088? If so Ford has a TSB 12-7-7 where reflashing your computer may fix this.
by kilkoyne
Fri Jul 05, 2019 4:55 pm
Forum: Personal Investments
Topic: Noob worried about retiring in 7-10 years! Will I have enough - you decide!
Replies: 32
Views: 3804

Re: Noob worried about retiring in 7-10 years! Will I have enough - you decide!

Have you tried the Vanguard Retirement Calculator? The calculator says you would have enough at age 70 even with a conservative return of only 3%. This calculator in particular has really helped me quite a bit. https://retirementplans.vanguard.com/VGApp/pe/pubeducation/calculators/RetirementIncomeCa...
by kilkoyne
Wed Jul 03, 2019 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Wealthfront Cash Account Application Asking too many personal questions?
Replies: 39
Views: 3554

Re: Wealthfront Cash Account Application Asking too many personal questions?

Some of the information is required, no doubt. But some seems beyond reasonable to me. For example, my Vanguard account is linked to 2 separate credit union accounts and I never gave them login, passwords, or security questions. I don't recall revealing anything like tax filing status or net worth ...
by kilkoyne
Wed Jul 03, 2019 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Wealthfront Cash Account Application Asking too many personal questions?
Replies: 39
Views: 3554

Re: Wealthfront Cash Account Application Asking too many personal questions?

Should I be worried about the information I provided and if so how can I protect myself going forward? Just to be safe, change your current bank account login, password, and security questions. The other stuff, other than SSN, is not a big deal. I'm sure I'd be ok but I'll do that anyway. While I'm...
by kilkoyne
Wed Jul 03, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Wealthfront Cash Account Application Asking too many personal questions?
Replies: 39
Views: 3554

Wealthfront Cash Account Application Asking too many personal questions?

Has anyone opened an account with Wealthfront recently? I just tried signing up for a Wealthfront Cash Account. When I tried to verify my bank account with their the online application I stopped because of all the personal questions they were asking. The following questions were asked: Name, Birth d...
by kilkoyne
Thu Jun 27, 2019 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Cancelling 24 Year Old Credit Card
Replies: 31
Views: 2765

Re: Cancelling 24 Year Old Credit Card

I'm down to one card which was opened less than a year ago. Chase is giving me a score of 824 (down from 825 when I closed my last opened card 6 months ago).

If I open any other cards in the future it will be because there is a really good incentive tied to it.
by kilkoyne
Thu Jun 13, 2019 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 555
Views: 50471

Re: Why are you NOT buying rental properties?

I'm tired of the responsibility that comes with rental units. I've already told my current tenants (great tenants BTW) this is the last year. Next year it's going up for sale. I believe I will experience the feeling of freedom when that is gone.
by kilkoyne
Thu Jun 13, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: Best source for buying Gold Coins
Replies: 55
Views: 4182

Re: Best source for buying Gold Coins

wintermute wrote:
Wed Jun 12, 2019 11:11 pm
Goldmart.com is another dealer; I've used them.
I liked Goldmart too. Almost forgot about them.
by kilkoyne
Sat Jun 01, 2019 10:37 am
Forum: Investing - Theory, News & General
Topic: Best day of the month to invest?
Replies: 41
Views: 4653

Re: Best day of the month to invest?

Why not twice a month?
by kilkoyne
Fri May 31, 2019 11:20 am
Forum: Personal Investments
Topic: Vanguard moving clients from mutual funds to ETFs?
Replies: 34
Views: 4079

Re: Vanguard moving clients from mutual funds to ETFs?

I added mutual funds because I started doing the recurring automatic investments which is not available with ETFs. This helps eliminate market timing for me. This might be a novice question, but can you not make automatic contributions if using ETFs (i.e. if you invest in an ETF fund you can't make...
by kilkoyne
Fri May 31, 2019 11:16 am
Forum: Personal Consumer Issues
Topic: Massachusetts Auto Insurance "Safety Insurance"
Replies: 17
Views: 915

Re: Massachusetts Auto Insurance "Safety Insurance"

I've had Safety Insurance in MA for my house, condo, and all motor vehicle insurances for over 10 years (maybe closer to 20 years). I've never had an issue but I've also never had to file a claim either. The reason I chose Safety was due to the fact that is was a small branch, were close by, and the...
by kilkoyne
Thu May 30, 2019 7:19 pm
Forum: Personal Investments
Topic: Vanguard moving clients from mutual funds to ETFs?
Replies: 34
Views: 4079

Re: Vanguard moving clients from mutual funds to ETFs?

I added mutual funds because I started doing the recurring automatic investments which is not available with ETFs.

This helps eliminate market timing for me.
by kilkoyne
Thu May 16, 2019 2:21 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 82
Views: 7193

Re: Honda CRV or Toyota RAV4 ?

CX-5 and use the tweaks to add Android Auto.
by kilkoyne
Thu May 09, 2019 7:06 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 132
Views: 19948

Re: Single People and Retirement Question

I've been single for 20 years now. I prefer traveling alone. I plan on being single when I retire. I can't see why a relationship would make me any happier in retirement.
by kilkoyne
Fri May 03, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: New car loan - Interest rate
Replies: 32
Views: 3916

Re: New car loan - Interest rate

We just bought a CPO Mazda two days ago.

Local credit union offered 2.99% for 36 months. We told Mazda to give us their best rate without disclosing ours and they offered 1.99% so we took that.
by kilkoyne
Fri May 03, 2019 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Dumb idea? [buy a condo to rent]
Replies: 37
Views: 3536

Re: Dumb idea? [buy a condo to rent]

My rental unit feels like an anchor to me. It's not fun for me and life's too short to hold onto it. My plan is to try selling it next year.
by kilkoyne
Fri May 03, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 12096

Re: Rarely used items that are worth having?

Small trailer I pull with my car. I only paid $100 for it.

I may only use it a half dozen times/year. Much better than owning a large truck for me.
by kilkoyne
Fri Apr 26, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: Help/Suggestions Buying Car next Week
Replies: 40
Views: 1445

Re: Help/Suggestions Buying Car next Week

I think any of the cars mentioned (except CRV) would be fine. If she has good credit and cash money, why not pay cash for a new/slightly used car that is in a range she is comfortable to pay cash for? Never too early to get out of the "every car has a car loan" marketing shtick we are sold. First a...
by kilkoyne
Fri Apr 26, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Help/Suggestions Buying Car next Week
Replies: 40
Views: 1445

Re: Help/Suggestions Buying Car next Week

She's not helping me at all. She's asking me what to buy and I've been asking her for 4 months now. Maybe it is time to let it go and let her figure it out. She'll just buy one off of Carvana. Seems a lot of people these days don't mind spending a few thousand dollars more than they need to. :confu...
by kilkoyne
Fri Apr 26, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: Help/Suggestions Buying Car next Week
Replies: 40
Views: 1445

Re: Help/Suggestions Buying Car next Week

Subaru Crosstrek : boxer engine tends to leak oil. Kia Niro : Just like Kona; long warranty but you have to follow their service schedule. Not as reliable after 100,000 miles mark as Toyota engine. Dual clutch transmission NOT Reliable!! Toyota C-HR: CVT transmission; Not enough power. Remember: Tu...
by kilkoyne
Fri Apr 26, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: Help/Suggestions Buying Car next Week
Replies: 40
Views: 1445

Re: Help/Suggestions Buying Car next Week

core4portfolio wrote:
Fri Apr 26, 2019 1:15 pm
RAV4 is great as it have safety features on all trims

Dont buy CRV- EX and above trims - oil dilution
It looks like even the basic model Rav4s come with Toyota Safety Sense.

I will look at RAV4. Thanks
by kilkoyne
Fri Apr 26, 2019 1:21 pm
Forum: Personal Consumer Issues
Topic: Help/Suggestions Buying Car next Week
Replies: 40
Views: 1445

Re: Help/Suggestions Buying Car next Week

She's not helping me at all. She's asking me what to buy and I've been asking her for 4 months now. Are there any red flags for the following? Subaru Crosstrek Kia Niro Toyota C-HR Have you checked put Consumer Reports online? A subscription is pretty cheap. I'm getting more frustrated as I look. S...
by kilkoyne
Fri Apr 26, 2019 1:01 pm
Forum: Personal Consumer Issues
Topic: Help/Suggestions Buying Car next Week
Replies: 40
Views: 1445

Re: Help/Suggestions Buying Car next Week

lazydavid wrote:
Fri Apr 26, 2019 12:48 pm
kilkoyne wrote:
Fri Apr 26, 2019 12:22 pm
She asked about Hyundai Kona. It's was rated high in the sub compact SUV rankings.
The Kona is an exceptionally good value..........Adaptive cruise does not appear to be available though....
Thanks
by kilkoyne
Fri Apr 26, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: Help/Suggestions Buying Car next Week
Replies: 40
Views: 1445

Re: Help/Suggestions Buying Car next Week

She's not helping me at all. She's asking me what to buy and I've been asking her for 4 months now.

Are there any red flags for the following?

Subaru Crosstrek
Kia Niro
Toyota C-HR
by kilkoyne
Fri Apr 26, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: Help/Suggestions Buying Car next Week
Replies: 40
Views: 1445

Re: Help/Suggestions Buying Car next Week

Here is a post that I did last year about my online car buying experience that I did last year that might be helpful. https://www.bogleheads.org/forum/viewtopic.php?f=11&t=239526&p=3746230 Toyota has added a lot of the advanced safety features to all of their cars so you do not need to buy a high e...
by kilkoyne
Fri Apr 26, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Help/Suggestions Buying Car next Week
Replies: 40
Views: 1445

Re: Help/Suggestions Buying Car next Week

She asked about Hyundai Kona. It's was rated high in the sub compact SUV rankings. I suggested a new car because almost all now have the safety features. The Kona engine is reportedly under powered but I'd say she probably doesn't care about that. They've only been out for two years so it's hard to ...
by kilkoyne
Fri Apr 26, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: Help/Suggestions Buying Car next Week
Replies: 40
Views: 1445

Re: Help/Suggestions Buying Car next Week

I'm helping daughter with buying a car. We're currently looking at a 2019 Honda CRV EX. I strongly suggest you purchase something other than the Honda CRV. Just google "Honda CRV oil dilution." There are well-documented issues with the 1.5 liter turbo motor. Here are some links that just scratch th...
by kilkoyne
Fri Apr 26, 2019 11:19 am
Forum: Personal Consumer Issues
Topic: Help/Suggestions Buying Car next Week
Replies: 40
Views: 1445

Re: Help/Suggestions Buying Car next Week

Take the tru car price, subtract a grand and ask several non-tru-car dealers to match that price for car including doc fee. If everyone agrees, try again at $1500 off. When I bought my Wrangler (actually ordered exactly what I wanted) a few years ago, I ended up buying it for $1600 lower than tru c...
by kilkoyne
Fri Apr 26, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: Help/Suggestions Buying Car next Week
Replies: 40
Views: 1445

Help/Suggestions Buying Car next Week

I'm helping daughter with buying a car. We're currently looking at a 2019 Honda CRV EX. MSRP is around 28K-29K. Edmunds Invoice Quote is $26,824 I sent out True Car request just to see how dealers would responde and have gotten offers in the 25.5K - 26.5K range which included Freight and Doc fees (t...
by kilkoyne
Tue Apr 23, 2019 7:38 pm
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 114
Views: 12248

Re: Who is buying 1-3 year old used Toyotas and Hondas?

I've been looking at 2016 Honda Civics and seeing some for 16K range with lane change monitoring and back up cameras. 2019 base models I'm seeing almost 20K while the 2017 models for 20K are the SI or Touring models. I know because I am going to visit my daughter this week and will have about a week...
by kilkoyne
Mon Apr 22, 2019 12:46 pm
Forum: Personal Investments
Topic: Personal Capital Question
Replies: 9
Views: 1382

Re: Personal Capital Question

I often wondered about this with other online calculators. I inputted the same variables into Vanguard's online retirement calculator and their results were within a few hundred dollars per month as PC. Vanguard does include the disclaimer that their results are in today's dollars so I guess that m...
by kilkoyne
Mon Apr 22, 2019 9:00 am
Forum: Personal Investments
Topic: Personal Capital Question
Replies: 9
Views: 1382

Re: Personal Capital Question

I often wondered about this with other online calculators. I inputted the same variables into Vanguard's online retirement calculator and their results were within a few hundred dollars per month as PC. Vanguard does include the disclaimer that their results are in today's dollars so I guess that ma...
by kilkoyne
Sun Apr 21, 2019 5:31 pm
Forum: Personal Investments
Topic: Personal Capital Question
Replies: 9
Views: 1382

Personal Capital Question

Under "Retirement Planner" Tab there is "Retirement Spending Ability" and below that is "PROJECTED". According to Personal Capital "The "PROJECTED" gives approximately a 70% chance you will have enough if spending that amount monthly". Is that value in today's dollars with inflation or without infla...
by kilkoyne
Sun Apr 21, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 60
Views: 4317

Re: Tips for getting the most out of your cruise?

Wake up early, watch the sun rise. You'll feel like you have the ship to yourself. There will be no line at the breakfast buffet and the WiFi will be good. Also, its a great time to take pictures of the ship.
by kilkoyne
Sat Apr 20, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 88
Views: 3550

Re: At what point would you hire someone vs. cut down a tree yourself?

The pine has vines around it......I would be worried about that one.
by kilkoyne
Sat Apr 20, 2019 6:11 am
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 88
Views: 3550

Re: At what point would you hire someone vs. cut down a tree yourself?

The real labor and cost comes from bucking and clearing all of the small branches. If you're willing to do that part you'd likely save yourself a lot money.

No harm having someone stop by for an estimate.
by kilkoyne
Thu Apr 18, 2019 7:06 pm
Forum: Personal Consumer Issues
Topic: Medicare B only vs FEHB only
Replies: 47
Views: 1785

Re: Medicare B only vs FEHB only

I see now. The biggest benefit is that I could retire at 62 instead of 65 without worrying about how to keep health insurance.
by kilkoyne
Thu Apr 18, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: Medicare B only vs FEHB only
Replies: 47
Views: 1785

Medicare B only vs FEHB only

I wanted to know the benefits of working at my present job in order to keep FEHB into retirement. I don't plan to keep both FEHB AND Medicare B. From what I am seeing the cost difference is not a major factor. Single. Healthy, no significant family medical hx. Minimal prescription medications. Expec...
by kilkoyne
Wed Apr 10, 2019 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property Cost Basis - Land Portion used for Tax Purpose
Replies: 3
Views: 268

Re: Rental Property Cost Basis - Land Portion used for Tax Purpose

I am filling out my tax forms. The first year I was asked the cost basis which was the cost of the property, attorney fees, etc. minus the land. Do I use the same numbers every year of does it change each depending on the tax assessors evaluation of land? Thanks I assume you are filling out 4562. D...
by kilkoyne
Wed Apr 10, 2019 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property Cost Basis - Land Portion used for Tax Purpose
Replies: 3
Views: 268

Rental Property Cost Basis - Land Portion used for Tax Purpose

I am filling out my tax forms. The first year I was asked the cost basis which was the cost of the property, attorney fees, etc. minus the land.

Do I use the same numbers every year of does it change each depending on the tax assessors evaluation of land? Thanks
by kilkoyne
Wed Apr 10, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 6891

Re: How Much Do You Pay For Haircut?

Zero for almost 20 years now. I used to have my daughter to cut the back but she moved out almost 10 years ago. I have to do the back "blind" and use my finger from one hand as a guide. It was tricky at first but I've got it down pretty good now. I also use a tri-fold mirror so I can see everything ...
by kilkoyne
Mon Mar 18, 2019 6:15 pm
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 810
Views: 89234

Re: That's enough for me in 2019

My asset allocation allows me to always be both in and out of the market. I can't lose. :D
by kilkoyne
Sat Feb 16, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Another "Is it worth it to fix" question [2002 Nissan Sentra]
Replies: 66
Views: 4258

Re: Another "Is it worth it to fix" question

They sell inexpensive DIY patch kits. Have you looked into that?
by kilkoyne
Fri Feb 15, 2019 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Being content with your finances
Replies: 106
Views: 8876

Re: Being content with your finances

Rupert wrote:
Tue Feb 12, 2019 10:54 am

+1. One way to become content with (and appreciate) what you have is to spend time with people who have a lot less than you.
I'm thinking about volunteering car rides to people when I retire. I can help those who are trying to better themselves and it will get me out of the house.
by kilkoyne
Tue Jan 08, 2019 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Recent Engineering College Graduate can’t get job interviews, needs advice
Replies: 145
Views: 11616

Re: Recent Engineering College Graduate can’t get job interviews, needs advice

My daughter graduated with a degree in computer science. A recruiter helped her find the job. Her first job was a software developer at a community college in a small county only paying 40K/year which extremely low for her field. She had a large gap in her employment record so she took whatever she ...
by kilkoyne
Fri Dec 28, 2018 12:40 pm
Forum: Personal Investments
Topic: Selling my ETFs and Buying Mutual Index Funds TLH questions
Replies: 5
Views: 484

Re: Selling my ETFs and Buying Mutual Index Funds TLH questions

I just realized I sold FB at a loss last month. I guess I'll be able to use that for TLH if I can figure out how to do it. If you sold at a loss then you have already done TLH. Assuming those are covered shares, then information will all be on the 1099 and you or your tax software will handle the l...
by kilkoyne
Thu Dec 27, 2018 6:54 pm
Forum: Personal Investments
Topic: Selling my ETFs and Buying Mutual Index Funds TLH questions
Replies: 5
Views: 484

Re: Selling my ETFs and Buying Mutual Index Funds TLH questions

I just realized I sold FB at a loss last month. I guess I'll be able to use that for TLH if I can figure out how to do it. I'll just keep my ETFs where they're at and I'll add to the VFIAX using automatic investment. If I can figure out TLH this year maybe I'll be able to use it again if I lose on V...
by kilkoyne
Thu Dec 27, 2018 10:33 am
Forum: Personal Investments
Topic: Selling my ETFs and Buying Mutual Index Funds TLH questions
Replies: 5
Views: 484

Selling my ETFs and Buying Mutual Index Funds TLH questions

In my taxable account I have mostly EFTs. The reason I chose ETF was so I could trade and/or time the market. Well, I am done with trying to time the market and I would like to automate future monies using bank transfers so I don't not fall back into the trap of market timing. Cost basis was set usi...
by kilkoyne
Thu Dec 27, 2018 7:40 am
Forum: Investing - Theory, News & General
Topic: What have you learned this year
Replies: 90
Views: 7289

Re: What have you learned this year

I learned I need to complete my IPS and to stick to it.
by kilkoyne
Sat Dec 22, 2018 1:55 am
Forum: Personal Finance (Not Investing)
Topic: Stop extra mortgage payment and put into taxable account?
Replies: 29
Views: 2543

Re: Stop extra mortgage payment and put into taxable account?

Spoke with the bank today. At $300 extra towards principal I'd be paid off in 12/26 (8 years) and I'd be close to 62 y/o which would be my earliest retirement date. With my mortgage paid off I could easily live off of SS, rental income, and my small pension without having to touch my 401k or taxable...