Search found 217 matches

by veggivet
Tue Dec 12, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: NYC restaurant suggestion
Replies: 26
Views: 1166

Re: NYC restaurant suggestion

Candle 79, at 79th and Lexington Ave.
by veggivet
Sun Dec 10, 2017 2:50 pm
Forum: Investing - Theory, News & General
Topic: likely date for a bitcoin crash: does this make sense to you?
Replies: 38
Views: 2288

Re: likely date for a bitcoin crash: does this make sense to you?

Isn't it common knowledge that Bitcoin will crash on February 28, 2018, at 2:38 EST?
by veggivet
Thu Dec 07, 2017 1:43 pm
Forum: Investing - Theory, News & General
Topic: When Bitcoin blows-up
Replies: 55
Views: 4143

Re: When Bitcoin blows-up

I doubt that when Bitcoin implodes it will have any meaningful impact on the broader market. I have done nothing, nor plan to do anything to adjust my portfolio for this event.
by veggivet
Thu Nov 30, 2017 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Got cash ... What to buy?
Replies: 10
Views: 1173

Re: Got cash ... What to buy?

Go all in on Bitcoin and sleep soundly...
by veggivet
Sun Oct 22, 2017 7:04 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 37
Views: 4003

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

I've used HSA and TDA since I established my HSA over 10 years ago. I don't pay any fees to HSA, and view the cash they have as part of my cash allocation. TDA gives me free trades whenever I ask for them (rarely), but they have tons of low cost, commission-free index ETFs to choose from. If Fidelit...
by veggivet
Sun Oct 22, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 72
Views: 5347

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

Best investment you can make is to schedule some HPDE days at the track with your Porsche. You will realize that you are the weakest link between the car and the road, and the skills you learn on the track will make you a better driver on the public roads. You will also have tons of fun while you're...
by veggivet
Tue Oct 03, 2017 7:03 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1617
Views: 289683

Re: What are you up YTD? [Year To Date]

21% year to date. 58, retired, 85/10/5 stocks/bonds/cash. Overweight in tech.
by veggivet
Sun Oct 01, 2017 11:04 pm
Forum: Personal Consumer Issues
Topic: Boston to Bar Harbor trip
Replies: 33
Views: 2309

Re: Boston to Bar Harbor trip

hoops777 wrote: ↑
Sun Oct 01, 2017 8:58 pm
We will be in Acadia the 12th,13th and 14th and N .Conway the 15th so hopefully it will be pretty good by then.
You should have peak conditions. Enjoy!
by veggivet
Sun Oct 01, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: My favorite CNBC program
Replies: 39
Views: 5146

Re: My favorite CNBC program

FastMoney but like most money programs they talk about their winners and never their losers, they also never state what their gains or losses are. Actually, Fast Money and Options Action do regularly review previous trade recommendations, and not only when they go right. Having said that, I'm sure ...
by veggivet
Sun Oct 01, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Boston to Bar Harbor trip
Replies: 33
Views: 2309

Re: Boston to Bar Harbor trip

Just returned from Acadia, and only around 5-10% of the leaves have started to change. Sorry I don't have any dining recommendations for you, as my name implies, I eat a plant-based diet. You can check out yelp and trip advisor to see the latest reviews on restaurants on your list.
by veggivet
Mon Sep 18, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on "entertainment"?
Replies: 50
Views: 3605

Re: How much do you spend on "entertainment"?

My entertainment 'budget' is dominated by concerts, with theater and movies finishing a distant second and third, respectively. I save all of my ticket stubs and at the end of the year I go through them all and relive the memories before the New Year. I resist the temptation to total up the dollars ...
by veggivet
Tue Aug 08, 2017 9:20 pm
Forum: Personal Consumer Issues
Topic: Any veterinarians that can quickly weigh in re: estimate?
Replies: 39
Views: 4146

Re: Any veterinarians that can quickly weigh in re: estimate?

Sounds very high to me, even for a moderately high COLA. I would suggest seeking a second opinion. Additionally, the vast majority of veterinarians do not need to bring in a dental specialist for tooth extractions. Root canals are another story...With respect to having to repeat bloodwork, x rays, e...
by veggivet
Tue Jul 18, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Allowable Roth contribution?
Replies: 8
Views: 398

Re: Allowable Roth contribution?

Pretty sure your wife's contributions are OK, but you need to have earned income in order to be able to contribute to a regular or Roth IRA.
by veggivet
Tue Jun 06, 2017 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k to Roth IRA? Y/N
Replies: 4
Views: 572

Re: Roth 401k to Roth IRA? Y/N

One potential benefit to doing this is to reduce your RMDs down the road. Assets in a Roth 401k are included in that calculation, while assets in a Roth IRA are not included.
by veggivet
Fri Jun 02, 2017 6:12 am
Forum: Personal Finance (Not Investing)
Topic: Using Roth 401k rollover to reduce RMDs
Replies: 5
Views: 588

Re: Using Roth 401k rollover to reduce RMDs

Thank you all for the information!
by veggivet
Thu Jun 01, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Using Roth 401k rollover to reduce RMDs
Replies: 5
Views: 588

Using Roth 401k rollover to reduce RMDs

When I searched 'Roth 401k', multiple discussions came up about the pros and cons vs. Roth IRAs, but I didn't see anything about my idea, so here goes. My accountant mentioned that Roth 401k assets are included in RMD calculations once you hit 70 1/2. He also said that I could roll my Roth 401k asse...
by veggivet
Mon May 29, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: 20 percent international
Replies: 29
Views: 3391

Re: 20 percent international

JonnyDVM, that is some serious overweight @ 320%! Using margin? :wink:
by veggivet
Fri May 26, 2017 1:28 pm
Forum: Investing - Theory, News & General
Topic: Eliminating Single Positions and Moving to Index Fund
Replies: 28
Views: 3797

Re: Eliminating Single Positions and Moving to Index Fund

For those on this board who believe that there is a place for holding individual stocks, placing those assets in a Roth IRA or Roth 401k make the issue of ever having to pay capital gains disappear.
by veggivet
Thu May 25, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: AirBNB payment policy
Replies: 14
Views: 1680

Re: AirBNB payment policy

Check the cancellation policy on this unit. Many listings will refund your total price less the airbnb commission (around 10%). There is also a place on the listing page to see how their specific cancellation policy is graded. I think airbnb uses the terms 'generous', 'moderate', or 'stringent'.
by veggivet
Thu May 25, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: best way to buy tires
Replies: 61
Views: 6310

Re: best way to buy tires

Another vote for Tire Rack. Excellent selection, pricing, and customer service along with extremely fast shipping.
by veggivet
Tue May 23, 2017 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity and their "free advisor" service?
Replies: 34
Views: 4002

Re: Fidelity and their "free advisor" service?

I have accounts with TD Ameritrade and Fidelity with sufficient assets to have a dedicated 'advisor'. Both know that I follow the Boglehead philosophy (mostly), and they know I will contact them if I need anything from their end. They've been very respectful of my time, and I think they know not to ...
by veggivet
Tue May 23, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: 21 yr old sons Roth IRA
Replies: 23
Views: 1815

Re: 21 yr old sons Roth IRA

I do the same for my daughter, with respect to a 1:1 match. She chose to use VTI (Vanguard Total Stock Market).
by veggivet
Mon May 22, 2017 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Investment Options
Replies: 9
Views: 963

Re: HSA Investment Options

If you need some of the funds to be available to pay for current medical costs, you can keep an amount equal to your deductible or max out of pocket yearly expense in a short-term, low/no risk product and invest the rest. No other retirement product offers tax deductibility, tax-free growth, and tax...
by veggivet
Mon May 22, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Investment Options
Replies: 9
Views: 963

Re: HSA Investment Options

I view my HSA as another retirement vehicle, and use ITOT (I Shares Core S&P Total US Stock Market), which is a passive ETF that tracks the S&P Total Market Index. It trades commission-free @ Fidelity, and its ER is .03%. It also has a nearly 2% dividend.
by veggivet
Sun May 21, 2017 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Risk vs. Reward analysis on contributing to 529 when child is hypothetical
Replies: 16
Views: 1275

Re: Risk vs. Reward analysis on contributing to 529 when child is hypothetical

Easy way around this: you can always open a 529 for yourself, with the intention of changing the beneficiary to your child once he/she is born.
by veggivet
Sat May 20, 2017 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: How Much for 529 Plan
Replies: 39
Views: 4490

Re: How Much for 529 Plan

Gamma Ray, I can use the funds for any qualified expense if I enroll as a full time student at any accredited college. She can use the funds for any graduate school program if she wishes. A more likely scenario is that she will use the funds for her kids. I ended up with the large surplus in her Cov...
by veggivet
Sat May 20, 2017 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Risk vs. Reward analysis on contributing to 529 when child is hypothetical
Replies: 16
Views: 1275

Re: Risk vs. Reward analysis on contributing to 529 when child is hypothetical

I'm not an accountant, but a quick back of the envelope thought is that the 10% penalty on the gains will undo any potential benefits of early funding if you decide against having children. I think you should wait until child is born...
by veggivet
Sat May 20, 2017 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: How Much for 529 Plan
Replies: 39
Views: 4490

Re: How Much for 529 Plan

I ended up with a 60k surplus in my daughter's 529, and a 250k surplus in her Coverdell account. I figure her kids will be all set if/when she has any. If not, the funds are hers and she'll happily pay the 10% penalty on the gains. So I would fund up to the 400k max as long as all your retirement ac...
by veggivet
Sat May 20, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: What goes in your smoothie?
Replies: 45
Views: 3694

Re: What goes in your smoothie?

Yup, that and cacao powder.
by veggivet
Mon May 15, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: how do you invest your HSA
Replies: 47
Views: 5067

Re: how do you invest your HSA

Sounds like a good plan, Pax. Don't forget that once you turn 65, HSA funds can be withdrawn for any purpose without penalty, although those proceeds will be treated as income as far as taxes are concerned. Another benefit of HSAs is that they are not included in your RMD calculations.
by veggivet
Sun May 14, 2017 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: how do you invest your HSA
Replies: 47
Views: 5067

Re: how do you invest your HSA

Is there an argument to be made for favoring bonds over stocks in an HSA, given their triple tax-free treatment?
by veggivet
Mon May 01, 2017 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity retirement planning
Replies: 22
Views: 2976

Re: Fidelity retirement planning

I meet with my Fidelity rep once a year. He doesn't try to sell me on any Fidelity products, as he knows I self-direct all of my accounts. He has been valuable with respect to some ideas for estate planning and transitioning into full retirement. I've found their online retirement planning interface...
by veggivet
Sun Apr 30, 2017 7:59 am
Forum: Investing - Help with Personal Investments
Topic: How to hold cash at Fidelity
Replies: 13
Views: 2964

Re: How to hold cash at Fidelity

I use Vanguard's short-term corporate bond fund (VCSH) for funds on the sideline.
by veggivet
Fri Apr 28, 2017 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to consolidate at Fidelity -- any gotchas about transfers?
Replies: 23
Views: 2579

Re: Ready to consolidate at Fidelity -- any gotchas about transfers?

I transferred multiple accounts from TD Ameritrade to Fidelity in the same ballpark as yours and found the process to be very smooth. My cost basis was transferred accurately, and my incentive bonuses were credited very quickly. If you get hit with any closing fees, I am sure Fidelity will cover the...
by veggivet
Mon Apr 24, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: DIY Yard Tick Spray?
Replies: 32
Views: 2292

Re: DIY Yard Tick Spray?

In my experience, Frontline has become less and less effective over the last several years. I now recommend using the Seresto collar, which uses a slow-release formula that can last up to 8 months. Feedback from clients has been very positive, with most reporting not finding any attached ticks on th...
by veggivet
Sat Apr 22, 2017 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Small business pre-tax savings vehicle
Replies: 14
Views: 570

Re: Small business pre-tax savings vehicle

My mistake. They charge for a SIMPLE IRA, not a 401k.
by veggivet
Sat Apr 22, 2017 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Small business pre-tax savings vehicle
Replies: 14
Views: 570

Re: Small business pre-tax savings vehicle

I believe Fidelity charges $25/year to maintain a solo 401k. Depending on the total amount your friend has with them, Fidelity may comp that charge.
by veggivet
Fri Apr 21, 2017 10:57 am
Forum: Investing - Theory, News & General
Topic: Transfer to Fidelity for Sign on Bonus?
Replies: 35
Views: 5060

Re: Transfer to Fidelity for Sign on Bonus?

That was not my experience when I transferred several accounts from TDAmeritrade to Fidelity. My bonus was spread among the accounts in proportion to their respective balances, and coded as 'goodwill'. The amount that went into my taxable account generated a 1099.
by veggivet
Tue Feb 28, 2017 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Advise 98 yr old with 95% equities?
Replies: 33
Views: 4156

Re: Advise 98 yr old with 95% equities?

I would advise increasing his equity allocation to 98%, so he can have has age in stocks :wink: ...congrats to him!
by veggivet
Fri Jan 27, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: Verizon to Cricket or StraightTalk
Replies: 66
Views: 6163

Re: Verizon to Cricket or StraightTalk

Previously a long-term AT&T customer; switched last year to Cricket. Saved heaps of $$, and I have experienced much fewer dropped calls since the switch. YMMV
by veggivet
Mon Jan 23, 2017 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Health care for business of one
Replies: 10
Views: 1280

Re: Health care for business of one

If you qualify for obtaining catastrophic health coverage, it should be less expensive for you. On the bright side, you will be able to deduct the cost of health insurance on your taxes on Schedule C.
by veggivet
Mon Jan 23, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: 529 Beneficiary Change
Replies: 6
Views: 1078

Re: 529 Beneficiary Change

Do these rules apply to Coverdell accounts as well?
by veggivet
Mon Jan 23, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: SEPP vs. TIRA to ROTH rollovers
Replies: 0
Views: 155

SEPP vs. TIRA to ROTH rollovers

I've been rolling funds from my TIRA to my ROTH IRA to fill up my 15% bracket over the last few years, in an attempt to reduce RMDs, which will start in 13 years. I've been researching the SEPP option on the 72(t) website, and am aware of the restrictions and potential penalties involved with these ...
by veggivet
Mon Jan 23, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: No health insurance tax penalty
Replies: 69
Views: 6535

Re: No health insurance tax penalty

Probably safe to say at this point that enforcing penalties for not having health insurance will not be high on the list of priorities in this administration, if it makes the list at all...
by veggivet
Tue Jan 10, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Just retired-requesting portfolio reallocation advice
Replies: 53
Views: 5183

Re: Just retired-requesting portfolio reallocation advice

You've got my best wishes for a smooth transition, but more importantly, you have the knowledge and expertise of those on this site who are much smarter than I am!
by veggivet
Tue Jan 10, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Just retired-requesting portfolio reallocation advice
Replies: 53
Views: 5183

Re: Just retired-requesting portfolio reallocation advice

Kate, you can drive yourself crazy trying to analyze all of these options, and miss a lot of yoga classes in the process! Keep in mind that past performance is not indicative of future returns. If you want to see the returns on the coffeehouse portfolio, just put 'coffeehouse portfolio returns' into...
by veggivet
Mon Jan 09, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Can you negotiate trading fees with Fidelity?
Replies: 16
Views: 2041

Re: Can you negotiate trading fees with Fidelity?

I've had no problem obtaining them over the last two years (when I moved from TD Ameritrade) when I needed them. I just call my advisor and he does the rest. I've also been able to have commission fees credited if they were charged in error.