Search found 298 matches

by Keep It Simple
Mon Oct 12, 2015 10:04 am
Forum: Personal Consumer Issues
Topic: SUV recommendation
Replies: 55
Views: 8565

Re: SUV recommendation

Six years ago we bought a 2001 Toyota Sequoia with 45K miles on it for $14,700. It cost over 50K new. I shopped for an older model but with low mileage. The car has been a brick. It has crossed the country 4 times,now has 135K on it, and will probably run to 300K. It gets 20 mpg on the highway, bur...
by Keep It Simple
Thu Sep 03, 2015 8:47 am
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 151
Views: 25173

Re: New SUV, $50G, Pilot/Highlander/Other

I don't own an SUV, so I don't have any emotional feelings about this. But I am a little bit of nerd and read a lot of reliability reports, both from dealers/mechanics and self-reported. I think people focus spend too much time looking at reviews of new cars and making decisions based on test drive...
by Keep It Simple
Sun Aug 30, 2015 12:51 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 293
Views: 50405

Re: TLH for absolute dummies [Tax Loss Harvesting]

Livesoft, My post was meant to point out that keeping track of the cost basis of non-covered shares is complicated and having to do so for decades is not something that is very appealing to some. I was not saying that it is difficult to see which shares have losses...Vanguard makes that easy. Also I...
by Keep It Simple
Sun Aug 30, 2015 11:25 am
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 293
Views: 50405

Re: TLH for absolute dummies [Tax Loss Harvesting]

For those who are unlucky enough to be holding pre-2012 non-covered shares, tax loss harvesting is that much more complicated to the point I'm not sure it is worth the hassle of tracking your non-covered shares cost basis for decades in the future. If you switch to specific id, Vanguard does not pro...
by Keep It Simple
Wed May 06, 2015 8:15 am
Forum: Investing - Help with Personal Investments
Topic: What is the "best" cost basis method to choose (Vanguard funds)
Replies: 12
Views: 6752

Re: What is the "best" cost basis method to choose (Vanguard funds)

Also, the Vanguard statement that you quote is a bit misleading. You can elect Specific ID for your covered shares, and use the average basis that Vanguard tracks automatically for your non-covered shares. (Any "election" you make online at Vanguard concerns only your covered shares.) This setup (c...
by Keep It Simple
Fri Apr 10, 2015 6:06 am
Forum: Personal Consumer Issues
Topic: Propane Heating and Septic Tanks
Replies: 36
Views: 3910

Re: Propane Heating and Septic Tanks

Expect propane to cost up to 3x more than natural gas. It is much more expensive. Depending on the size of your septic tank, normally you should empty it every three years.

K.I.S.
by Keep It Simple
Fri Apr 10, 2015 5:53 am
Forum: Personal Consumer Issues
Topic: Kitchen upgrade - granite selection help
Replies: 52
Views: 6951

Re: Kitchen upgrade - granite selection help

Have you looked into quartz counter tops? The more you learn about granite, the more you will realize how much upkeep there is. It can stain and you must apply sealants to it frequently. Quartz is non-porous and won't stain and there is no sealant needed. It only costs 5-10% more and is well worth i...
by Keep It Simple
Thu Apr 09, 2015 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Average Cost Basis Questions
Replies: 7
Views: 1635

Re: Average Cost Basis Questions

The above helps to address covered shares. What if you want to elect specific id, assuming you have never sold anything, but your account also includes non-covered shares? According to the above FAQ from Vanguard's site, the covered shares would all move to specific id, but how would you then calcu...
by Keep It Simple
Thu Apr 09, 2015 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Average Cost Basis Questions
Replies: 7
Views: 1635

Re: Average Cost Basis Questions

BTW, you may want to read the Vanguard FAQ on cost basis tracking. https://personal.vanguard.com/us/help/FAQCostBasisContent.jsp If I'm currently using average cost, how will changing my method affect unrealized shares? If you're using average cost prior to electing a method, and you sell or transf...
by Keep It Simple
Fri Mar 13, 2015 9:09 am
Forum: Personal Finance (Not Investing)
Topic: How much house can we afford by Boglehead standards?
Replies: 31
Views: 8614

Re: How much house can we afford by Boglehead standards?

3) Plus, her employer contributes $2,400 to her HSA while my employer contributes nothing to an HSA. Of course, things can always change and that gap could shrink in future years. Five years ago my employer offered a terrific, low cost medical plan. Now it's horrendously expensive and quite disappo...
by Keep It Simple
Mon Jan 26, 2015 11:11 am
Forum: Personal Finance (Not Investing)
Topic: File FAFSA with 7 figure non-retirement portfolio?
Replies: 42
Views: 6682

Re: File FAFSA with 7 figure non-retirement portfolio?

Reviving this thread as it is FAFSA time this year. A friend is debating whether it is worth it to fill this form out if it is certain he will not receive need based aid. I told him I would ask the most intelligent people I know so here I am. One other question I was asked by this friend is if he wi...
by Keep It Simple
Thu Jan 15, 2015 11:14 am
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 11750

Re: When your spouse isn't quite as frugal as you

I know someone who is very similar in thinking as you are regarding finances and I have some tough love advice for you. Please take it as constructive as that is how I intend it. I have found in my life that the one thing that bothers me more than anything else is people who focus on money to a poin...
by Keep It Simple
Wed Dec 17, 2014 11:24 am
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 122
Views: 16298

Re: Why don't YOU follow Buffett's advice?

I don't really see a problem with Buffett's idea of 90/10 S&P 500/ U.S. Treasuries. I think it is a pretty sound idea...for someone in the early to middle stages of their investing timeline. I just think he needs to include a caveat that as you near retirement, you need to start adjusting this alloc...
by Keep It Simple
Thu Dec 04, 2014 11:02 am
Forum: Investing - Help with Personal Investments
Topic: STRS Ohio Choice - What to do?
Replies: 15
Views: 4464

Re: STRS Ohio Choice - What to do?

Forgive me for not reading all the posts before commenting, but I only have a couple minutes and wanted to reply... My wife's a teacher covered by STRS like some others in here. Even though she expects to teach long-term, we don't really know if that's going to happen or not. And we were even sligh...
by Keep It Simple
Thu Dec 04, 2014 8:22 am
Forum: Investing - Help with Personal Investments
Topic: STRS Ohio Choice - What to do?
Replies: 15
Views: 4464

Re: STRS Ohio Choice - What to do?

It may be down the road for you, but I strongly second Ohio 457 if you have extra money to invest. If/when 403b people come to talk, just run away. Interesting comment. Do you recommend staying away from any 403b if your state has high fees for that group of products, even if you are maxing out all...
by Keep It Simple
Mon Oct 27, 2014 6:45 am
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 10858

Re: Done with Honda, not sure what next car should be?

c078342 wrote: German cars are superior.
I needed a good laugh....that's a good one!

Wait...was he serious?????

K.I.S.
by Keep It Simple
Fri Oct 24, 2014 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is spouse eligible for SS benefit without ever contributing?
Replies: 12
Views: 2047

Re: Is spouse eligible for SS benefit without ever contribut

From SSA: http://www.ssa.gov/pubs/EN-05-10007.pdf (For government workers not covered by SS): Your Social Security benefits will be reduced by two-thirds of your government pension. In other words, if you get a monthly civil service pension of $600, two-thirds of that, or $400, must be deducted fro...
by Keep It Simple
Fri Oct 24, 2014 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Is spouse eligible for SS benefit without ever contributing?
Replies: 12
Views: 2047

Re: Is spouse eligible for SS benefit without ever contribut

Thanks goblue100 - that's exactly what I was looking for. So according to the publication above, a spouse who was under a government or state pension system and did not contribute to social security is still eligible for a spousal benefit albeit a reduced benefit. If anyone has any other take on thi...
by Keep It Simple
Fri Oct 24, 2014 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: What is the recommended amount of international holdings?
Replies: 15
Views: 2254

Re: What is the recommended amount of international holdings

joyandjerry wrote: The actively managed funds have done well for us, so we are keeping them for now.
Could you please inform us of the analysis you used in order to come up with the above conclusion?

Thanks,

K.I.S.
by Keep It Simple
Fri Oct 24, 2014 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Is spouse eligible for SS benefit without ever contributing?
Replies: 12
Views: 2047

Re: Is spouse eligible for SS benefit without ever contribut

Thanks for the responses.

So if a spouse has not worked under social security, but has worked his/her whole life(30 plus years) under a pension plan instead, would that exclude him/her from spousal benefit under Social Security?

Thank you,

K.I.S.
by Keep It Simple
Fri Oct 24, 2014 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Is spouse eligible for SS benefit without ever contributing?
Replies: 12
Views: 2047

Is spouse eligible for SS benefit without ever contributing?

I read on the Social Security website that even if a spouse never worked under Social Security, they may be able to get spousal benefits if they are at least 62 and their spouse is already receiving Social Security retirement benefits. Can anyone shed light on how this would work? The site mentions ...
by Keep It Simple
Tue Oct 07, 2014 6:08 am
Forum: Personal Consumer Issues
Topic: Hyundai vs. Toyota
Replies: 45
Views: 7607

Re: Hyundai vs. Toyota

If you really don't know which car is more reliable and longer lasting just look at the resale values of Toyota vs Hyundai vehicles. The market does not lie. Inferior manufacturers try to lure you in by offering more gadgets and lower pricing; unfortunately you will pay later. I prefer to pay more n...
by Keep It Simple
Fri Oct 03, 2014 8:28 am
Forum: Personal Consumer Issues
Topic: Repair Van or buy new Van/SUV?
Replies: 20
Views: 2363

Re: Repair Van or buy new Van/SUV?

That Honda has another 100,000 miles in it. Definitely get it repaired at an independent mechanic though.

K.I.S.
by Keep It Simple
Thu Sep 25, 2014 10:51 am
Forum: Personal Consumer Issues
Topic: Treadmills [vs. Ellipticals]
Replies: 55
Views: 6964

Re: Treadmills

Can anyone share what they paid for the Sole f80? Amazon is asking $1,500.00 free shipping.

Thanks,

K.I.S.
by Keep It Simple
Thu Sep 25, 2014 10:48 am
Forum: Personal Consumer Issues
Topic: Advice for student buying cheap used car
Replies: 54
Views: 5910

Re: Advice for student buying cheap used car

How is Saab doing now?

Is it because they were such great cars?

The market knows all.

K.I.S.
by Keep It Simple
Thu Sep 25, 2014 8:55 am
Forum: Personal Consumer Issues
Topic: Advice for student buying cheap used car
Replies: 54
Views: 5910

Re: Advice for student buying cheap used car

But most people don't know Suzuki Aerio and SX4 are made in Japan, can be had with AWD systems as good as Subaru's and they are very inexpensive in used market. Or they don't know that 2003+ models of SAAB 9-3 is one of the safest cars money can buy according to IIHS, later models (2005+) are as re...
by Keep It Simple
Wed Sep 24, 2014 10:00 am
Forum: Forum Issues and Administration
Topic: Bogleheads.org android / iphone app
Replies: 23
Views: 4871

Re: Bogleheads.org android / iphone app

I think it's fines as is...I just zoom when needed.

K.I.S.
by Keep It Simple
Wed Sep 24, 2014 9:57 am
Forum: Personal Consumer Issues
Topic: Advice for student buying cheap used car
Replies: 54
Views: 5910

Re: Advice for student buying cheap used car

These are for rather similar 2 door coupes. Honda - 1997 (i.e. 17 years old), mileage 169K, price $2950. Key notes: Check engine light comes on and off. Manual transmission Pontiac - 2005 (i.e. 9 years old), mileage 139K, price $2650. Key notes: Recently passed safety and emissions and was serviced...
by Keep It Simple
Wed Sep 24, 2014 7:47 am
Forum: Personal Consumer Issues
Topic: Advice for student buying cheap used car
Replies: 54
Views: 5910

Re: Advice for student buying cheap used car

If it were me, I would NOT be looking at Hondas and Toyotas - I'd probably be going out of my way to avoid them, as anything in decent shape is going to be overpriced. I would be looking for a well maintained, low-ish mileage car, probably American made, possibly one of the discontinued brands (inc...
by Keep It Simple
Tue Sep 23, 2014 5:56 am
Forum: Personal Consumer Issues
Topic: Advice for student buying cheap used car
Replies: 54
Views: 5910

Re: Advice for student buying cheap used car

In my area, the 2001-2003 Mazda Proteges are around or just below $3000, partially because the next generation was called the Mazda 3. The 2005-2006 Scion Xb has stability control and is in the $3500-4500 price range. Whoa, if you can get a 2005-2006 Scion of any type in that price range I'd go for...
by Keep It Simple
Mon Sep 22, 2014 2:26 pm
Forum: Personal Consumer Issues
Topic: Advice for student buying cheap used car
Replies: 54
Views: 5910

Re: Advice for student buying cheap used car

I highly recommend getting her a Honda Civic or Toyota Corolla. These two cars should be reliable even with higher mileage. In order to get one that is not a beater though, she will have to pay more than $4,000.00. Is it a possibility that you would lend her money so she could spend $6,000 - $7,000?...
by Keep It Simple
Mon Sep 22, 2014 9:55 am
Forum: Personal Consumer Issues
Topic: New Big iPhones - How to Upgrade Early?
Replies: 18
Views: 3092

Re: New Big iPhones - How to Upgrade Early?

I'd wait for the Moto X coming out later this month. It looks awesome and works with flashplayer(a big downside to Apple). Seems like half the videos I want to play on the Iphone won't work.

https://www.yahoo.com/tech/moto-x-revie ... 64474.html

K.I.S.
by Keep It Simple
Thu Sep 18, 2014 1:11 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3891
Views: 1088949

Re: What Movie Have You Recently Watched?

Forgot to ask...has anyone seen "No Country For Old Men"? Is it any good?

Thanks,

K.I.S.
by Keep It Simple
Thu Sep 18, 2014 12:56 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3891
Views: 1088949

Re: What Movie Have You Recently Watched?

Just watched "Django Unchained" - it was ok. I will next be watching "3:10 to Yuma" which I hear is very good. Honorable mentions...if you haven't seen these yet, you must: "Kingpin" - comedy "Dumb and Dumber" - comedy "Anchorman" - comedy "Lincoln Lawyer" - suspense "The Ring" - horror Enjoy! K.I.S.
by Keep It Simple
Thu Sep 18, 2014 12:48 pm
Forum: Personal Consumer Issues
Topic: Should I buy another fridge or freezer? Or neither?
Replies: 16
Views: 2321

Re: Should I buy another fridge or freezer? Or neither?

A deep chest freezer for sure. That would be way more useful than a fridge.

I recommend a GE deep chest freezer. Home Depot has recently had a good deal on them.

K.I.S.
by Keep It Simple
Wed Sep 17, 2014 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 77
Views: 16671

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

The Honda Pilot is a tank and the EX-L trim with 4WD is very nice. You can buy it brand new for less than a 4 year old Lexus, used for even less. More reliable, will last longer, cheaper to maintain/repair, lower cost of owning, lower depreciation. That being said, the Lexus is a sharp car and get ...
by Keep It Simple
Wed Sep 17, 2014 5:19 am
Forum: Personal Consumer Issues
Topic: Repair/maintain the BMW or get a new car?
Replies: 24
Views: 4044

Re: Repair/maintain the BMW or get a new car?

I'll mention it regardless of your perception of not being a DIY'er - you should learn how to do these basic maintenances yourself. Oil, brakes, transmission fluid, etc. are not complicated repairs. A 20 dollar Haynes or chiltons manual and an hour watching videos on YouTube is really all of the pr...
by Keep It Simple
Tue Sep 16, 2014 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 77
Views: 16671

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

I have purchased two CPO Lexus SUVs: 2001 RX300 and 2011 RX350. Livesoft - what would you say are the main differences between the RX300 vs The RX 350? Did the RX 300 or RX 350 have any unusual maintenance issues at all? If you had to recommend a (2006) lower mileage(50,000-70,000) RX 330 vs a same...
by Keep It Simple
Tue Sep 16, 2014 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350
Replies: 77
Views: 16671

Re: Car-Certified Lexus LS 460 Vs New ES 350 Vs New RX 350

We bought a 2009 RX350 as CPO from a dealer in early 2012. We paid about $4k below asking price. Best vehicle we've ever owned. Normal maintenance so far (oil changes, tire rotations and a front end alignment.) all done by a small local independent shop. Actually haven't been back to the dealer abo...
by Keep It Simple
Mon Sep 15, 2014 8:08 am
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 44
Views: 4438

Re: Need advice on which tablet to buy

Go with the Google Nexus - just find what size Nexus works for you. Considering that 85% of the world runs the Android platform(Nexus has this), why get tied down to Apple? Sure they are good, but they are no where near as compatible with as many software programs as the Android platform is. One maj...
by Keep It Simple
Thu Sep 11, 2014 6:19 am
Forum: Personal Consumer Issues
Topic: BMW X3 vs Mercedes GLK350
Replies: 33
Views: 9622

Re: BMW X3 vs Mercedes GLK350

Are you sure you want either of those?

K.I.S.
by Keep It Simple
Wed Sep 10, 2014 10:31 am
Forum: Personal Consumer Issues
Topic: Repair/maintain the BMW or get a new car?
Replies: 24
Views: 4044

Re: Repair/maintain the BMW or get a new car?

I have owned used BMW's for the past 15 years. BMW's are as reliable as other cars if maintained properly. This is not the experience of the vast amount of past BMW owners. Maybe you are the lucky one :wink: I always viewed getting a BMW as a good idea if and only if you have money to burn. There a...
by Keep It Simple
Tue Sep 09, 2014 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Do I invest or pay higher mortgage downpayment?
Replies: 55
Views: 4996

Re: Do I invest or pay higher mortgage downpayment?

I think it would help some of the people here that have replied to know what your income range is(exact figures not needed) and what you have saved and are currently saving per year. Also, one of the posters above mentioned that a 15 year mortgage can save thousands...actually it is more like tens o...
by Keep It Simple
Tue Sep 09, 2014 6:29 am
Forum: Investing - Help with Personal Investments
Topic: Do I invest or pay higher mortgage downpayment?
Replies: 55
Views: 4996

Re: Do I invest or pay higher mortgage downpayment?

If it is a jumbo loan and a bigger down payment would get you a better interest rate then that might be a good idea. If you the house will not be paid off by the time you will retire then getting a shorter mortgage to have it paid off by them could be a good idea. Maxing out any deductible retireme...
by Keep It Simple
Tue Sep 09, 2014 6:25 am
Forum: Investing - Help with Personal Investments
Topic: Do I invest or pay higher mortgage downpayment?
Replies: 55
Views: 4996

Re: Do I invest or pay higher mortgage downpayment?

Without knowing all of the info regarding your personal situation, I would give this advice: Consider putting as much as you can towards the down payment while still leaving a very healthy emergency fund to fall back on if ever needed. Combine this larger down payment with a 15 year mortgage and I d...
by Keep It Simple
Mon Sep 08, 2014 11:41 am
Forum: Personal Consumer Issues
Topic: The daddy of all grill islands
Replies: 35
Views: 5020

Re: The daddy of all grill islands

Google "Weber Summit Series" An absolute joy to grill on and bulletproof. They even have a few built ins. Now if you really want the "Grand Daddy" of all grill islands, then type "weber grill centers". You will pay dearly for those. K.I.S. Well, the Weber Summit S-660 is under $3K, well within budg...
by Keep It Simple
Mon Sep 08, 2014 9:30 am
Forum: Personal Consumer Issues
Topic: The daddy of all grill islands
Replies: 35
Views: 5020

Re: The daddy of all grill islands

Google "Weber Summit Series"

An absolute joy to grill on and bulletproof. They even have a few built ins. Now if you really want the "Grand Daddy" of all grill islands, then type "weber grill centers". You will pay dearly for those.

K.I.S.
by Keep It Simple
Mon Sep 08, 2014 8:19 am
Forum: Investing - Theory, News & General
Topic: Specific identification of shares and Vanguard
Replies: 11
Views: 2008

Re: Specific identification of shares and Vanguard

... the numbers Vanguard will provide you with will be accurate and you will not have to track it yourself. Unless Vanguard makes a mistake. I prefer to also keep track of it myself. But then I also reconcile my check register and credit card statements too. Good point...but I think if people are l...
by Keep It Simple
Mon Sep 08, 2014 6:26 am
Forum: Investing - Theory, News & General
Topic: Specific identification of shares and Vanguard
Replies: 11
Views: 2008

Re: Specific identification of shares and Vanguard

Also, it appears that for those who have both non-covered shares and covered shares, if you have not sold any non-covered shares ever, and you then elect for specific id, then you can use the average cost per share that Vanguard provides you and the 1099-b you are sent will show the correct basis nu...