Search found 234 matches

by veggivet
Sun Jan 14, 2018 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Are there any situations where you don’t max retirement opportunities?
Replies: 16
Views: 2042

Re: Are there any situations where you don’t max retirement opportunities?

I stopped maxing out when I realized I had seriously oversaved for retirement...
by veggivet
Thu Jan 11, 2018 6:10 am
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 69
Views: 3840

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

AMG stands for "Always in the Mechanic's Garage".
by veggivet
Thu Jan 11, 2018 5:48 am
Forum: Personal Consumer Issues
Topic: Sell Sports Car and Invest or Keep for Fun Factor
Replies: 25
Views: 1232

Re: Sell Sports Car and Invest or Keep for Fun Factor

Keep it and take it to the track!
by veggivet
Thu Jan 11, 2018 5:46 am
Forum: Personal Consumer Issues
Topic: Oil filled space heaters
Replies: 39
Views: 4094

Re: Oil filled space heaters

My Delonghi oil-filled space heater has performed flawlessly for me. I don't use it often, but when I need it (for example, when my furnace fails and it's 0 outside) it does the job. During times like that, the wife's hairdryer can also come in handy. 8-) It was hard enough getting a furnace guy ou...
by veggivet
Thu Jan 11, 2018 5:42 am
Forum: Investing - Help with Personal Investments
Topic: WSJ: Discount Brokers Win Bonuses to Push Costlier Products
Replies: 38
Views: 3276

Re: WSJ: Discount Brokers Win Bonuses to Push Costlier Products

I'm shocked! Companies pursuing profits in a capitalist economy? What's next, gambling at Rick's casino in Casablanca?
by veggivet
Mon Jan 08, 2018 5:18 pm
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 126
Views: 8797

Re: 2018 Hedge Fund contest

Oops...a day late. My apologies to our highly valued shareholders. I was out skiing today, and was researching stocks while I was on the lift. I am changing the name of the fund from the Mirage Fund to the Day Late and a Dollar Short Fund. Hopefully, we'll have the same stellar results we did last y...
by veggivet
Fri Jan 05, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Oil filled space heaters
Replies: 39
Views: 4094

Re: Oil filled space heaters

My Delonghi oil-filled space heater has performed flawlessly for me. I don't use it often, but when I need it (for example, when my furnace fails and it's 0 outside) it does the job.
by veggivet
Fri Jan 05, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Goodbye Capital One 360!!
Replies: 56
Views: 8291

Re: Goodbye Capital One 360!!

I am a very happy, satisfied, long-term (also back from the ING days) Capital One 360 customer who will likely be with them for decades to come. Superb customer service, and an easy website to access and navigate. Good luck wherever you end up, OP.
by veggivet
Thu Jan 04, 2018 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 97
Views: 5985

Re: ID theft and check cashing fraud

Perhaps one of the reasons this crime is becoming more frequent is that the perps realize that it is unlikely there will be any type of meaningful investigation. Billions of dollars is involved, not to mention the time and frustration factor on the victim side.
by veggivet
Thu Jan 04, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 97
Views: 5985

Re: ID theft and check cashing fraud

Please correct me if I'm wrong, but I thought the police were civil servants, whose sworn duty it is to enforce the law. I don't recall any mention of ROI in their job description.
by veggivet
Thu Jan 04, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 97
Views: 5985

Re: ID theft and check cashing fraud

The bank will definitely have the perpetrator on their security camera, and likely on several, as he walked in, went to the teller, and then walked out. That would be where I would start. If the police don't respond, hire a private investigator. It'll be well worth it. FWIW, I never bring my wallet ...
by veggivet
Wed Jan 03, 2018 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Short Term Cash
Replies: 15
Views: 1032

Re: Short Term Cash

I use VCSH, fwiw...good luck with your retirement. I'm in a similar place, but don't actively trade at this point.
by veggivet
Sat Dec 30, 2017 6:12 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1752
Views: 311827

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

85% stocks, 14% bonds, 1% cash. Average return across multiple accounts is 24%.
by veggivet
Sat Dec 30, 2017 1:24 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 247
Views: 36680

Re: 2017 hedge fund contest

Even though the final results aren't official yet, it appears that my fund, The Mirage Fund, is in a position that will be almost impossible to beat. Mirages are all about illusions, and if you view the results from an alternative perspective, (kind of like alternative facts), it becomes obvious tha...
by veggivet
Sat Dec 30, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Stay with TD Ameritrade or move to Schwab,Fidelity
Replies: 37
Views: 2728

Re: Stay with TD Ameritrade or move to Schwab,Fidelity

This opinion is coming from a long term TD Ameritrade customer, so long term that it was named TD Waterhouse when I started investing with them. Over the years, I had nothing to complain about. Decent customer service and support, and their website was more than adequate. Fast forward to a couple of...
by veggivet
Sat Dec 23, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: Will you take this Fidelity bait ?
Replies: 126
Views: 13582

Re: Will you take this Fidelity bait ?

I would negotiate for a larger bonus. I received 3K for transferring 1 mil, and another 3k for transferring another mil one year later. Very happy at Fidelity, coming from TDA.
by veggivet
Tue Dec 12, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: NYC restaurant suggestion
Replies: 43
Views: 2622

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: 114
Views: 10111

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: 4649

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: 1258

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: 6334

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: 5677

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: 1752
Views: 311827

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: 2416

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: 5422

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: 2416

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: 3768

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: 4470

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: 434

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: 617

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: 658

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: 658

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: 3605

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: 3998

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: 1759

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: 6854

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: 4433

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: 1912

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: 1068

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: 1068

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: 1347

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: 4692

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: 1347

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: 4692

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: 3985

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: 5563

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: 5563

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?