Search found 182 matches

by keith6014
Wed Jul 18, 2018 9:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 551
Views: 64508

Re: Post your Financial Milestone Announcements Here

why don't people mention age, location and occupation/industry?

saying you have 3m at age 90 isn't a milestone FWIW
by keith6014
Tue May 22, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Are high dividend stocks advantageous for the 15% tax rate?
Replies: 46
Views: 4771

Re: Are high dividend stocks advantageous for the 15% tax rate?

when someone retires and they have a total return asset like VTI, how you sell? what is the strategy to sell? I feel like one would have to market time.
by keith6014
Tue May 22, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 41
Views: 2728

Re: Buying a Woman's Tag Heuer On-line

i though Omega is Swiss.

Where did you try this stunt? I would like to goto Tourneau Midtown and try this because I have my eyes set on an Omega, coincidentally.
by keith6014
Tue May 22, 2018 5:55 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 51005

Re: "Why 97% of People Don't Use 529 College Savings Plans."

If your state doesn't offer a tax benefit is it worth putting money in a 529? I live in a state (NJ) where I get no state income tax benefit, I have been setting aside 27k per year for my 2 children aged 4 and 2. After reading this thread it makes me wonder if its worth it Why wouldn't it be worth ...
by keith6014
Tue May 22, 2018 5:44 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 51005

Re: "Why 97% of People Don't Use 529 College Savings Plans."

If your state doesn't offer a tax benefit is it worth putting money in a 529?
I live in a state (NJ) where I get no state income tax benefit, I have been setting aside 27k per year for my 2 children aged 4 and 2. After reading this thread it makes me wonder if its worth it
by keith6014
Sun May 20, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 9840

Re: Is there a boglehead muscle car?

gundlached wrote:
Mon May 14, 2018 12:08 pm
warowits wrote:
Mon May 14, 2018 8:34 am
A Suburu WRX with snow tires.
+1
+1
by keith6014
Mon Apr 30, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Must See in South Dakota
Replies: 58
Views: 4799

Re: Must See in South Dakota

Doom&Gloom wrote:
Mon Apr 30, 2018 3:20 pm
Custer State Park

https://gfp.sd.gov/parks/detail/custer-state-park/
+100000000000000000
by keith6014
Sun Apr 08, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Handling ageism in tech
Replies: 56
Views: 5396

Re: Handling ageism in tech

ask for same or less money. :?:
by keith6014
Sun Apr 08, 2018 2:20 pm
Forum: Investing - Theory, News & General
Topic: “Women-led companies perform 3x better than S&P 500”
Replies: 32
Views: 2366

Re: “Women-led companies perform 3x better than S&P 500”

arcticpineapplecorp. wrote:
Sun Apr 08, 2018 1:35 pm
BogleBoogie wrote:
Sun Apr 08, 2018 1:29 pm
What does "DW" stand for?
"dear wife" or apparently "darling wife":

https://www.google.com/search?q=what+do ... fox-b-1-ab
i thought it meant "dark wing" https://en.wikipedia.org/wiki/Darkwing_Duck
by keith6014
Sun Apr 08, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 6174

Re: VHCOL Home Buying Advice (Bay Area, where else?)

The price-to-rent ratio is definitely nuts, but I intend to stay at least ten years, if not 15 or more. The motivation for the home purchase is twofold: a) to fix the cost of housing over the long term (ie, 15+ years) with a 30-year FRM; and b) to have more control of if/when we move. I'd hate to h...
by keith6014
Thu Mar 15, 2018 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 645
Views: 77560

Re: Picking College and College Scholarships

Don't take this too personally, but I think this is much ado about nothing. Just send your son to any good engineering school, statics is statics and thermodynamics is thermodynamics. Engineering schools teach the same material but at different prices. The difference is in graduate school when you ...
by keith6014
Tue Feb 27, 2018 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Possible career change - move to HCOL area and salary expectations?
Replies: 15
Views: 2092

Re: Possible career change - move to HCOL area and salary expectations?

Speaking just financially, I would want to make at least 200k to live in NYC. why not 400k ? :P Although there are a lot of jobs in NYC and job types are much more interesting in NYC, the job market is also very competitive in Finance/Tech. There are many many many qualified candidates who will wor...
by keith6014
Sat Jan 20, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: What's your annual cost of living (expenses)?
Replies: 40
Views: 4061

Re: What's your annual cost of living (expenses)?

Expenses: $136,173 (includes mortgage + taxes, child care, etc). excludes income taxes
Married: Yes
Children: Yes
Area: N.NJ (www.areavibes.com, 180)
by keith6014
Mon Jan 15, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation Question
Replies: 1
Views: 357

Asset Allocation Question

Age 35 and 32. Was wondering if this is a conservative, on par, or agressive portfolio allocation.

Code: Select all

U.S. Stocks	73.59%	
Intl Stocks	12.36%	
U.S. Bonds	5.47%	
Cash	        4.23%	
Alternatives	3.11%
Intl Bonds	0.85%
by keith6014
Wed Dec 27, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Pay down mortgage or invest in munis?
Replies: 13
Views: 1789

Re: Pay down mortgage or invest in munis?

fwiw, i am in a similar situation (same income and high state tax). I like liquidity but i am also willing to take a bit of risk. i invest in vtsax and not in muni. If it was a muni I would choose a CEF and invest until my monthly distribution is same as mortgage but you need to stomach the wild swi...
by keith6014
Wed Dec 27, 2017 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $600-650k house?
Replies: 60
Views: 8237

Re: Can I afford a $600-650k house?

you are 26.
take a deep breath.
live life. save. enjoy
by keith6014
Wed Dec 27, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 65421

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

Living in NJ. Property tax is ~14k. In the 33% tax bracket.
If having a change to prepay property tax, should I do it? I am assuming I can claim that I payed the taxes in 2017 for 2018 so in 2017 taxes I can claim it?
by keith6014
Tue Dec 26, 2017 9:53 am
Forum: Investing - Help with Personal Investments
Topic: E*Trade no longer offering free real time quotes
Replies: 9
Views: 3141

Re: E*Trade no longer offering free real time quotes

good news is delayed are still free with Etrade.
by keith6014
Mon Dec 25, 2017 10:05 am
Forum: Investing - Help with Personal Investments
Topic: how to "know" what asset allocation is right? (crypto windfall)
Replies: 39
Views: 5754

Re: how to "know" what asset allocation is right? (crypto windfall)

congrats!

I would do 100% VOO. Even with a 80% drawdown you will still be OK as long as you still work and live below your means.

consider setting up a college scholarship.
by keith6014
Sat Nov 18, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 110
Views: 23747

Re: Water Heater Install $1,800!

Location North Jersey
PSEG: 40 gallon tank, including installation, 6 year warrant and local permit. $1999.00.
Lowes: same, $1400
Home Depot: same, $1100

Its good to call around because the prices range a lot.
by keith6014
Mon Oct 30, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Afford This House?
Replies: 22
Views: 2268

Re: Can I Afford This House?

Just curious, what makes your $500k income extremely secure for the next 5 years? You clearly can afford it, but I would be nervous with a mortgage of that amount with only one income. What if your comp took a 20% haircut? +1. what makes your $500k income extremely secure for the next 5 years can't...
by keith6014
Mon Oct 30, 2017 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k is almost all cash now. 1/2 Mil
Replies: 89
Views: 10837

Re: My 401k is almost all cash now. 1/2 Mil

not the end of the world. dont be so hard on yourself.
dca every month to s&p until you are 70stock:30 bond
by keith6014
Fri Sep 22, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: Getting (young) kids interested in coding
Replies: 81
Views: 6870

Re: Getting (young) kids interested in coding

Any recommendations for a really old kid (adult) who wants to learn? Which language would you recommend (GF is pushing python)? You might consider learning to program macros in Excel. That would not only give you a taste of what programming is like but with learning even the basics you could learn ...
by keith6014
Fri Sep 22, 2017 6:10 pm
Forum: Personal Consumer Issues
Topic: Getting (young) kids interested in coding
Replies: 81
Views: 6870

Re: Getting (young) kids interested in coding

C++. They will love it. Only if you want to raise spoiled kids. Fortran 66 or maybe Cobol are the only acceptable choices. To be nice we will let them use a terminal instead of punch cards........ Well back in my day, we programmed in assembly language and we liked it. Anyone who couldn't handle th...
by keith6014
Tue Sep 19, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: Getting (young) kids interested in coding
Replies: 81
Views: 6870

Re: Getting (young) kids interested in coding

C++. They will love it.
by keith6014
Sun Aug 20, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 16222

Re: Is it worth it? [demanding jobs vs time with family]

good thread and responses.
I am in a similar situation as OP. Don't have much advise. At the moment; we are simply trying to survive with the toddlers because they are wearing us out mentally and physically. We are sort of happy to goto work at times. :mrgreen:
by keith6014
Wed Jul 19, 2017 6:25 am
Forum: Personal Finance (Not Investing)
Topic: 4% mortgage rate vs 2.5% BND yield
Replies: 92
Views: 9662

Re: 4% mortgage rate vs 2.5% BND yield

Interesting thread. I was always curious about this so I took some time to run my numbers in a calculator. mortgage amount 735k/30 years @ 3.625. Fed tax bracket: 33% and State: 6.4%. My rate after tax is 2.273%. So, instead of paying down the principal and I put my money in a National High Yield M...
by keith6014
Tue Jul 18, 2017 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: 4% mortgage rate vs 2.5% BND yield
Replies: 92
Views: 9662

Re: 4% mortgage rate vs 2.5% BND yield

Interesting thread. I was always curious about this so I took some time to run my numbers in a calculator. mortgage amount 735k/30 years @ 3.625. Fed tax bracket: 33% and State: 6.4%. My rate after tax is 2.273%. So, instead of paying down the principal and I put my money in a National High Yield Mu...
by keith6014
Sun Jul 09, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Broken central air
Replies: 19
Views: 1714

Re: Broken central air

Thanks for the soap trick. I had the builder call his installer and they did a check. They did a What they did was - Drain the system of all gas. Fill up the system with nitrogen (a very light gas) and pump the system up to 500PSI. At normal operation with Freon the system should run at 150 to 200 P...
by keith6014
Sun Jul 09, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Last 80 minutes of my career
Replies: 64
Views: 12333

Re: Last 80 minutes of my career

congrats. what did you do? I'm more interested in what he is going to do next??? Congratulation! :beer was curious what carrier he chose to last so long. I can't think of an occupation where you last that long. I think most of the congratulations are not for what he/she is doing next but just stick...
by keith6014
Fri Jul 07, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Last 80 minutes of my career
Replies: 64
Views: 12333

Re: Last 80 minutes of my career

congrats.

what did you do?
by keith6014
Sat Jul 01, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Home Warranty
Replies: 12
Views: 1661

Re: Home Warranty

I am curious. When you bought the townhouse did the builder go out of his way to provide you a warranty? I am asking in the context of, I don't think my builder gave me a "Warranty" piece of paper.
by keith6014
Fri Jun 30, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Broken central air
Replies: 19
Views: 1714

Re: Broken central air

You called a technician, or you had a technician come onsite to diagnoise the unit and discover there was no refrigerant? Called 2 technicans. First one's diagnosis was there maybe a leak and the frion is very low thats why you may hear the rattling. The second one just filled the frion and they sa...
by keith6014
Fri Jun 30, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Broken central air
Replies: 19
Views: 1714

Re: Broken central air

I called Carrier. They told me I have a 5 year warranty. Which includes parts but not labor so they referred me to a local contractor. The local certified contractor costs $175 per 1/2 hour. You did not read it wrong. The builder is staying away from this situation, he is only giving short answers b...
by keith6014
Fri Jun 30, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: Broken central air
Replies: 19
Views: 1714

Re: Broken central air

I bought my house last year. It was a new construction. In the past 2 days the air condition stopped blowing cold air. Just air temperature is coming out. The unit (Carrier) is making a rattling sound. We called a technician and he told us there maybe a leak. He quoted us $2000. I contacted the bui...
by keith6014
Fri Jun 30, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Broken central air
Replies: 19
Views: 1714

Re: Broken central air

Thanks for the prompt responses!

The service man said there isn't any more refrigerant left and the compresser is running "dry". The cost is to inspect the leak, refill the refrigerant and repair.
by keith6014
Fri Jun 30, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Broken central air
Replies: 19
Views: 1714

Broken central air

I bought my house last year. It was a new construction. In the past 2 days the air condition stopped blowing cold air. Just air temperature is coming out. The unit (Carrier) is making a rattling sound. We called a technician and he told us there maybe a leak. He quoted us $2000. I contacted the buil...
by keith6014
Sat Jun 17, 2017 6:43 am
Forum: Personal Consumer Issues
Topic: internet cost saving strategy
Replies: 38
Views: 4850

Re: internet cost saving strategy

I live in N.Nj. I have 2 internet providers, Cable (Spectrum) and Fiber (Verizon). We had cable and our promotion expired and it now it costs $75 just for internet. We don't have phone or TV because we simply don't need it. I think thats expensive. What strategy can I use to lower my internet bill?...
by keith6014
Thu Jun 15, 2017 7:16 am
Forum: Personal Consumer Issues
Topic: internet cost saving strategy
Replies: 38
Views: 4850

Re: internet cost saving strategy

i will give the life line plan a try.
I sort of need high speed access because I sometimes work remotely which needs high bandwidth.
by keith6014
Thu Jun 15, 2017 4:30 am
Forum: Personal Consumer Issues
Topic: internet cost saving strategy
Replies: 38
Views: 4850

internet cost saving strategy

I live in N.Nj. I have 2 internet providers, Cable (Spectrum) and Fiber (Verizon). We had cable and our promotion expired and it now it costs $75 just for internet. We don't have phone or TV because we simply don't need it. I think thats expensive. What strategy can I use to lower my internet bill? ...
by keith6014
Thu May 25, 2017 5:53 am
Forum: Personal Finance (Not Investing)
Topic: Help with filling out 8606
Replies: 3
Views: 576

Help with filling out 8606

Hi, I am now retroactively filing 8606 forms as IRS sent me a tax bill thinking as deductible contributions not included in income. In Dec 2013 , Contributed to traditional IRA In 2014, Converted to Roth IRA In March 2015, Contributed to Tradition IRA for both 2014 and 2015 years and converted in th...
by keith6014
Sat May 20, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Forgot to file 1099R- IRS sent me a big bill to pay
Replies: 5
Views: 1926

Re: Forgot to file 1099R- IRS sent me a big bill to pay

I did not file form 8606 with any of the tax return. IRA is using the amounts shown of the 1099 R distributions when converted from Traditional to roth. Reading about these, i am seeing that i would need to file 8606 retroactively and then also submit amended tax return to include 1099 R form. Is th...
by keith6014
Fri May 19, 2017 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Forgot to file 1099R- IRS sent me a big bill to pay
Replies: 5
Views: 1926

Forgot to file 1099R- IRS sent me a big bill to pay

I made a non- deductible contribution of 5500 for 2013 tax year and 5500 for 2014 . Then converted both to backdoor Roth in 2014. in my 2015 tax return, i forgot to file these contributions. i received a letter from IRS to pay the tax/fine on those. What are my options now? as it's still within the ...
by keith6014
Sun May 14, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Signature Cookware vs Calphalon?
Replies: 29
Views: 20172

Re: Costco Kirkland Signature Cookware vs Calphalon?

Do you have to get an aluminum based & non stick cookware? As a person who cooks 3-4 times a week; and hosts a large party (10+) every 2 months I strongly recommend quality stainless steel cookware. Yes, they cost most money but I guarantee you won't be disappointed. Have an AllcLad set which I boug...
by keith6014
Sun May 07, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: Buying plants online
Replies: 16
Views: 2109

Buying plants online

I was a little disappointed at big box stores for variety of roses. I have heard success from others buying plants online, roses in particular.

Does anyone have experience buying plants such as roses online and any reputable dealers?
by keith6014
Mon May 01, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: Kamado grill
Replies: 30
Views: 4540

Re: Kamado grill

I am fearing this. i suspect it will sit and collect dust. i enjoy grilling (only on weekends). weekdays I am away from home (6a to 7p) and i doubt i will have time. I only like grilling chicken, fish (salmon) and some cuts of lamb. 100% agree, I have one that I enjoy owning, but it just doesn't ge...
by keith6014
Sun Apr 30, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: Kamado grill
Replies: 30
Views: 4540

Re: Kamado grill

You will not recoup your expenses from this. It will either sit around gathering dust and wasting your money, or be used often, costing your charcoal and meat costs, as well as time costs. You will come out ahead financially by buying from your local BBQ place. Buy it if you want this for a hobby a...
by keith6014
Sat Apr 29, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Kamado grill
Replies: 30
Views: 4540

Re: Kamado grill

Thanks for the replies.

I am interested in a ceramic grill. Can you recommend any good brands and if they ever go on sale? They seem quite expensive but if they are durable and I use it often I won't care too much of the price.
by keith6014
Sat Apr 29, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: Kamado grill
Replies: 30
Views: 4540

Kamado grill

Was browsing thru the forums and came across this topic. I enjoy grilling on my Weber Charcoal grill. Was thinking if this sort of grill is worth it? Any good recommendations for a portable Kamado grill? Portable meaning I would like to move it around in my backyard. I see Lowes has a chargriller fo...