Search found 523 matches

by keystone
Sun Jan 13, 2019 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off a 30 year mortgage in 15 years? The cost of flexibility
Replies: 79
Views: 7612

Re: Pay off a 30 year mortgage in 15 years? The cost of flexibility

I provided the source of the rates. I'm not sure what you're looking at but according to Bank Rate the national average for a 30 year is 4.43% and 3.75% for a 15 year fixed ( as of January 13, 2019). The average for a 30 year has not been over 5% at any point in the last 4 months. When I was shoppi...
by keystone
Thu Jan 03, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Porting from a family plan to Google Fi
Replies: 29
Views: 1678

Re: Porting from a family plan to Google Fi

I've been happy with Google Fi service, but my gripe is that I am paying considerably more taxes than I was at Page Plus. I really don't understand why this is the case. Ultimately this will be a deal breaker for me when my promotional credits expire. I've repeatedly tried to get an explanation for ...
by keystone
Sat Dec 22, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 175
Views: 11874

Re: All the "should I be 100% stocks" threads over the last year.

So why is 100% stocks a bad idea if one is far from retirement and doesn't care about the volatility of stocks for one reason or another? I think it's a perfectly reasonable strategy if you're decades away from retirement and I think most Bogleheads would agree with that. Even if you're closer to r...
by keystone
Sun Dec 16, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire
Replies: 126
Views: 10129

Re: Can I retire

Here's what I would consider as retirement assets based on original post: $125K in Cash ---> also owes $47K in non-mortgage debt so reduce this to $78K in net cash $130K in taxable investments $520K in 401K 431K foreign assets in British pounds (?) = $543K (equivalent in dollars at current exchange...
by keystone
Sun Dec 16, 2018 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire
Replies: 126
Views: 10129

Re: Can I retire

moneywise3 wrote:
Sun Dec 16, 2018 2:12 am
How can someone spend 250k a year in living expenses?
I don't think it's 250k in living expenses because the 250k includes taxes. If you take the OP's gross income and deduct savings you get 250k, the taxes have to be excluded to calculate living expenses.
by keystone
Wed Dec 12, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22092

Re: What percentage of your net worth is your home equity?

About 11.7% at the moment. Counting my home equity is important to me because I know that it provides one additional safety net in case things get really bad for my family financially. The home equity would be enough to rent an apartment for well over a decade, which is not an insignificant figure t...
by keystone
Mon Dec 03, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Pixel 3 early adopters: any feedback?
Replies: 42
Views: 3389

Re: Pixel 3 early adopters: any feedback?

My wife and I both have the Pixel 3 after taking advantage of the $799 fi promotional credit. Overall we're very pleased with the phones. As others have mentioned, the camera is fantastic and we both particularly enjoy the portrait mode. The battery life is not great, but it's good enough and the ph...
by keystone
Wed Nov 28, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: So that's why 2-day shipping isn't what I expected!
Replies: 41
Views: 5015

Re: So that's why 2-day shipping isn't what I expected!

My Amazon orders almost always arrive by the projected date, and occasionally before. My main issue is that the Amazon drivers never ever under any circumstances ring the doorbell (and we have two!). Last week they left a rather expensive Christmas present for my son sitting in the rain when I was ...
by keystone
Mon Oct 15, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 82
Views: 8198

Re: Black Friday is coming.. what's on your list?

I'll be in the market for a Pixel 2 or 3, but I don't anticipate any special deals on the 3 since it's just coming out.
by keystone
Wed Oct 10, 2018 9:07 am
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 101
Views: 5024

Re: Vanguard website today

So far this morning I have only been able to see Account Overview. If I try to click on any of my individual accounts, I get the "500 Internal Server Error."
by keystone
Tue Sep 25, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: Recommendation for Meditation Apps
Replies: 5
Views: 543

Re: Recommendation for Meditation Apps

I've experimented with a few lately and so far I've enjoyed Insight Timer the most. There's lots of free meditations available and different lengths and styles to choose from.
by keystone
Tue Sep 25, 2018 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Someone stole my check from the mail, changed the amount, and deposited it
Replies: 61
Views: 8072

Re: Someone stole my check from the mail, changed the amount, and deposited it

I had to deal with a check fraud case here at work. We sent a check to a consultant, the check was cashed, the consultant claimed he never received the check. When I looked at the image of the canceled check, there were no endorsements or any markings on the back of the check. I opened a fraud case ...
by keystone
Tue Sep 11, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Hourly cost of air conditioning?
Replies: 23
Views: 2228

Re: Hourly cost of air conditioning?

RickBoglehead wrote:
Tue Sep 11, 2018 8:36 am
So, to make sure we understand, an 80 year payback is not acceptable to you? :shock:
If the new unit has a chance at lasting 80 years, then I might be persuaded. :happy
by keystone
Mon Sep 10, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: AA for a 3 year old and 5 year old for 529
Replies: 15
Views: 1359

Re: AA for a 3 year old and 5 year old for 529

I've been doing 60/40 for my 4 year old and will probably keep it that way until age 10 and then gradually shift more into bonds. I'm comfortable with this allocation but know there are good arguments for an 80/20 allocation at that age.
by keystone
Mon Sep 10, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Hourly cost of air conditioning?
Replies: 23
Views: 2228

Re: Hourly cost of air conditioning?

I typically don't believe the claims that you'll get your money back, although I am sure there are some exceptions. I have a 26 year old Rheem and got it serviced about 5 years ago. The technician told me that it was a great system and I should get several more years out out of it. Then he mentioned...
by keystone
Thu Aug 30, 2018 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Roth IRA at 20 and never touch again
Replies: 21
Views: 1548

Re: Investing in Roth IRA for Triplets breakdown

I'd probably go with Vanguard Target Retirement 2065 Fund.
by keystone
Wed Aug 29, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: Most commonly misused/misunderstood investing terms and concepts (on BH forum)
Replies: 220
Views: 11922

Re: Most commonly misused/misunderstood investing terms and concepts (on BH forum)

Although it's not an investing term or concept, it boggles my mind how many Bogleheads get their figures mixed up, e.g. "mid 6 figures" or "high 7 figures." Maybe there should be a forum sticky which shows what values count as low/mid/high figures for 5,6,7,8 etc. Maybe it's the accountant in me, bu...
by keystone
Wed Aug 29, 2018 10:11 am
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 133
Views: 10472

Re: [New Vanguard website layout starting Saturday, August 11]

I don't like any of the changes so far. Activity tab: previously I could see a single consolidated list of transactions from all of my accounts. Now the transactions are grouped by account. Not helpful for me. In general, the typography is terrible, the layout requires a lot of scrolling to see rel...
by keystone
Fri Aug 17, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: 401(k): Roth vs Non-Roth
Replies: 28
Views: 1850

Re: 401(k): Roth vs Non-Roth

How is this not true? The 18,500 deposit into a roth is worth 18,500 after taxes. If you put 18,500 into a traditional account, you really have a deferred tax liability on that 18,500. I apologize if I wasn't clear on that, but I stand by that logic. I agree with you unless your tax rate is 0%, how...
by keystone
Fri Aug 17, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: 401(k): Roth vs Non-Roth
Replies: 28
Views: 1850

Re: 401(k): Roth vs Non-Roth

Would it be any time your marginal tax rate is above the rate you would fall into once in retirement? Yes. Not such a firm "yes" in my mind. If your marginal rate is 22% today. You pay 22% on all the dollars you put in Roth. Let's fast forward and say you only withdraw those $18,500 35 years from n...
by keystone
Thu Aug 16, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: 401(k): Roth vs Non-Roth
Replies: 28
Views: 1850

Re: 401(k): Roth vs Non-Roth

You may find this thread of interest: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=249635 I kind of laugh at the title, because the thread had several hundred posts yet after reading most of it I am just as convinced as I was before reading it that the traditional 401(k) is preferable for m...
by keystone
Thu Aug 09, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: USPS Informed Delivery
Replies: 43
Views: 3356

Re: USPS Informed Delivery

DanMahowny wrote:
Sun Aug 05, 2018 1:52 pm
I answered the questions correctly, and was told I was wrong.
Same here. The only way I could get setup was in person.
by keystone
Tue Jul 31, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Net worth of $3.7M at age 47 - can I retire?
Replies: 135
Views: 19024

Re: Net worth of $3.7M at age 47 - can we retire?

Flying from 30,000 feet here, but from there it certainly looks to me like you can make it work. Perhaps I’ll grab some time later and post again for you, but here are some quick observations from someone who is thoroughly enjoying having retired at age 53 ( married with grown children) ... Under c...
by keystone
Thu Jul 26, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: An argument against self-insuring for long-term care
Replies: 214
Views: 11437

Re: An argument against self-insuring for long-term care

I think there is a niche of incomes and situations where it makes a ton of sense. And a bunch where it doesn't. My portfolio is supposed to be throwing off 200k/year when I retiree. LTGC can be covered pretty easily out of that. Drop my income to 30k, and paying 2k/year for insurance is a huge perc...
by keystone
Wed Jul 25, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Passing the second SSA Bend Point - Reversible?
Replies: 53
Views: 5138

Re: Passing the second SSA Bend Point - Reversible?

Is there any special "magic" about reaching/exceeding a bend point? Isn't it like marginal tax rates, such that "only the amount over the <cut-off>" that pays more [taxes] or returns a bit less [SS]. and not the case that the entire amount gets the "new rate"? RM Usually knowledge of the 2nd bend p...
by keystone
Fri Jul 20, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Looking for recommendations on a cordless electric mower
Replies: 21
Views: 1914

Re: Looking for recommendations on a cordless electric mower

Do you have a update after a couple of years? Yes, I bought the Ryobi model that was recommended above. Overall I am very happy with it, it gets the job done and is light enough that I can carry up and down the flight of stairs in my front yard. It also folds up really nice in my shed. I made sure ...
by keystone
Thu Jul 19, 2018 11:38 am
Forum: Investing - Theory, News & General
Topic: I may have understood why it's so hard to save and invest
Replies: 81
Views: 13846

Re: I may have understood why it's so hard to save and invest

Yes, I know what you mean but I don't really think of it as discouraging. The more your portfolio grows, the less significant your regular contributions become. Sometimes I feel amused by how insignificant my biweekly 401k contributions are relative to my net worth. I remember when I was first start...
by keystone
Wed Jul 18, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 10669

Re: Amazon Prime Day 2018

I bought a blink 1 camera security system for $75 which seemed like a good deal. I have been casually looking at security cameras in recent weeks and thought this would be a good opportunity to try one out.

https://www.amazon.com/gp/product/B06XZ ... UTF8&psc=1
by keystone
Wed Jul 18, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Credit Card Q
Replies: 7
Views: 1021

Re: Amazon Prime Credit Card Q

100 points = $1. You can choose to redeem your points in the form of dollars.
by keystone
Tue Jul 17, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 7980

Re: Anyone not have a Budget?

I don't have a budget and never have. I have always "paid myself first" by maxing out tax advantaged accounts and automatically directing amounts to investment accounts. I guess I have a savings budget but not a spending budget. It has usually worked out quite well, however I could see if someone we...
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: 3653

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: 1931

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: 1460

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: 1131

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: 1931

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: 3545

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: 9497

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: 9497

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: 139
Views: 18360

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: 3532

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: 3507

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: 2157

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: 1996

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: 12479

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: 3774

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: 6366

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: 9728

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: 20
Views: 2678

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: 4287

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.