Search found 492 matches

by keystone
Sun Jul 08, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to hit grand slam with small % portfolio?
Replies: 49
Views: 3191

Re: Trying to hit grand slam with small % portfolio?

Yes, I have recently made a bet on a biotech with a very small market cap (< $10 million). My total investment is about 1.5% of my portfolio. I've been following the company for 10 years and I have a good feeling about their pipeline. This is money that I can afford to lose. If it goes to zero, I wi...
by keystone
Thu May 31, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Is FBAR filing complicated?
Replies: 23
Views: 1712

Re: Is FBAR filing complicated?

now I'm confused... why extension? was I expected to file in April? The way I understood it is that for 2018 I would only need to report in 04/2019. So I have plenty of time without the extension. right? Correct. For accounts held in 2017, the deadline to file was April 2018 with an automatic 6 mon...
by keystone
Thu May 31, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Should I shift bond allocation from F Fund to G Fund?
Replies: 15
Views: 1098

Re: Should I shift bond allocation from F Fund to G Fund?

I decided to split my wife's TSP bond allocation 50/50 between the F and G funds. This seems like a nice compromise. The G fund offers better protection in a rising rate environment, however the F fund typically performs better than the G fund over long periods of time.
by keystone
Thu May 31, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: moto g6
Replies: 9
Views: 965

Re: moto g6

Google Fi just announced the Motorola G6 among their latest compatible phone offerings. Their phones ship without any bloatware or proprietary apps. https://fi.google.com/about/phones/#compare Interesting. The last time I looked, I believe the Pixel was the only phone available and I did not want t...
by keystone
Wed May 30, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Is FBAR filing complicated?
Replies: 23
Views: 1712

Re: Is FBAR filing complicated?

I have to complete the FBAR for my employer and I agree that the first year is the most labor intensive but each subsequent year is easier. I use the uploadable PDF form and since I have the prior year's version saved, all I need to do is update the calendar year and the balances for each account. T...
by keystone
Wed May 30, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 2590

Re: Enterprise vs Avis

I also just go with the cheapest. I've found really good deals using the Priceline Name Your Own Price feature. I have never noticed a significant difference from one car rental to company to another.
by keystone
Mon May 28, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8612

Re: Help Buying Mens Shoes for Work and Dating

I should add I would specifically NOT get Clarks because you mention dating and Clarks look like either old guy shoes or nerdy shoes. I am just stating facts since I am old I can say it. I strongly vote against Clarks. I tend to agree with this. I wear shoes from the Clarks unstructured lineup dail...
by keystone
Mon May 28, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8612

Re: Help Buying Mens Shoes for Work and Dating

I should add I would specifically NOT get Clarks because you mention dating and Clarks look like either old guy shoes or nerdy shoes. I am just stating facts since I am old I can say it. I strongly vote against Clarks. I tend to agree with this. I wear shoes from the Clarks unstructured lineup dail...
by keystone
Thu May 24, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 129
Views: 14051

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

In your situation, I think I'd pay it off. I have about 25 years left on a 3.25% mortgage. I've never been motivated to pay it down, I like saving extra in a taxable account because it makes me feel more secure in the event of a job loss and I feel that my rate is low enough that I should do better ...
by keystone
Thu May 24, 2018 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Parents with pre-K kids and 529 target
Replies: 50
Views: 3025

Re: Parents with pre-K kids and 529 target

My ultimate 529 goal is to have enough to fund three years at our state school. My son is 4 now and we're at 25.5K which is enough to cover one year, I feel like we're on track. I plan to be retired well before my son starts school, so I imagine I won't be contributing anything to the account past a...
by keystone
Wed May 16, 2018 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Fellow non-529ers
Replies: 43
Views: 3077

Re: Fellow non-529ers

Currently I have both children's (4,1) money in our Taxable Account in the Vanguard Tax-Managed Balanced Fund Admiral Shares (VTMFX), and keep track in an excel sheet. Selling the Vanguard Tax Managed Balanced fund shares will most likely trigger capital gains. This doesn't seem like an ideal colle...
by keystone
Thu May 10, 2018 11:44 am
Forum: Investing - Theory, News & General
Topic: Any issues with upgrading Vanguard taxable account to brokerage?
Replies: 19
Views: 1821

Any issues with upgrading Vanguard taxable account to brokerage?

I was considering upgrading my Vanguard taxable account to a brokerage account and was looking for feedback on the process. I searched some old threads and saw a few concerns about tax basis not converting over, but I wasn't sure if that was based on anything substantive or perhaps Vanguard has sinc...
by keystone
Tue May 08, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: How are we doing?
Replies: 13
Views: 1833

Re: How are we doing?

I'm not sure what kind of health insurance you have, but since your wife is a federal employee she likely has access to the some of the high deductible HSA eligible plans. For example, my wife is a federal employee and we're on the GEHA HDHP plan. The premiums are much lower than the standard plans ...
by keystone
Wed May 02, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 10790

Re: Have you quit eating sugar? Tell me how!

I developed a habit where I needed something sweet daily, usually ice cream or chocolate. This wasn't a noticeable problem when I was younger and running a significant amount of miles, but as I got older and my activity level declined somewhat, my weight started to creep up a bit. A few years ago I ...
by keystone
Tue May 01, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Career change and going back to school at 40+
Replies: 37
Views: 3439

Re: Career change and going back to school at 40+

I have also been in the nonprofit world for nearly 20 years and here are a couple of suggestions coming from someone who has gone through much of what you're experiencing: 1) Consider finding another job in a similar field - program manager jobs are a dime a dozen in DC and as a finance professional...
by keystone
Wed Apr 25, 2018 8:55 am
Forum: Investing - Theory, News & General
Topic: A Challenge To The 3 Fund Portfolio...The 2 Fund Portfolio
Replies: 32
Views: 3848

Re: A Challenge To The 3 Fund Portfolio...The 2 Fund Portfolio

I'm making a minor bet that the next 30 years won't be like the last. I'll stick with broad diversity even if the difference likely won't be great. +1. I adhere to the 3 fund portfolio to a great extent, but if I were to construct a 2 fund portfolio for the next 30 years I'd probably go with Total ...
by keystone
Fri Apr 20, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 113
Views: 8104

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: 1508

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: 41
Views: 4040

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: 8379

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: 4763

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: 6141

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: 2976

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: 4919

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: 39337

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: 2759

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: 103
Views: 7664

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: 246
Views: 42577

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: 213
Views: 38486

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: 8668

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: 600

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: 8432

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: 9775

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: 732

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: 1284

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: 2034

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: 22128

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: 3192

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: 58783

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: 58783

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: 58783

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: 58783

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: 58783

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: 6316

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: 11142

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: 5945

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: 3939

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: 5872

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: 5264

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: 11927

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.