Search found 207 matches

by JD2775
Mon May 07, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 vs Capital One Money Market
Replies: 12
Views: 3114

Re: Capital One 360 vs Capital One Money Market

Just an FYI (since someone revived my old thread here) When I wrote the OP in Sept 2017 the APR for Capital One Money Market was 1.2%. It is now 1.6%. Kinda nice. In case anyone is interested in switching over. I switched over last September, and besides the longer waits/holds for deposits compared...
by JD2775
Mon May 07, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 vs Capital One Money Market
Replies: 12
Views: 3114

Re: Capital One 360 vs Capital One Money Market

Just an FYI (since someone revived my old thread here) When I wrote the OP in Sept 2017 the APR for Capital One Money Market was 1.2%. It is now 1.6%. Kinda nice. In case anyone is interested in switching over. I switched over last September, and besides the longer waits/holds for deposits compared ...
by JD2775
Fri Apr 13, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 10388

Re: Mid-40s in tech - how to pass off as acceptably young

You are going to dye your hair? To be honest unless that is done VERY well, it will look even "weirder" than the gray hair does. I'd keep the grays, own it, just get the hair cut I agree with what someone else mentioned, maybe you are interviewing in the wrong places too? I'm 43, in tech, and I can'...
by JD2775
Mon Apr 02, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Career Move: Please convince me why I should not work in tech
Replies: 59
Views: 4816

Re: Career Move: Please convince me why I should not work in tech

Data Science is such a cool spot to be in right now, I am jealous. I work in Data Warehouse but am teaching myself Python/Pandas on the side.

Good luck with whatever you decide to do
by JD2775
Sun Apr 01, 2018 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio check
Replies: 10
Views: 658

Re: Portfolio check

Thanks all for the replies... Ok, this is going to sound really dumb and newbie of me... So, if I open a taxable account and let's say I put 3k into a Vanguard Total Stock Market fund...and then $750 each month after (as one person suggested)....do I pay taxes on that every year, regardless if I ta...
by JD2775
Sun Apr 01, 2018 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio check
Replies: 10
Views: 658

Re: Portfolio check

Thanks all for the replies... Ok, this is going to sound really dumb and newbie of me... So, if I open a taxable account and let's say I put 3k into a Vanguard Total Stock Market fund...and then $750 each month after (as one person suggested)....do I pay taxes on that every year, regardless if I tak...
by JD2775
Sun Apr 01, 2018 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio check
Replies: 10
Views: 658

Portfolio check

Hi, It has been a couple years since I have done this so I wanted to check in and see how I was doing. I am slightly concerned that my 401k allocation isn't the greatest, but am not sure... 43 years old renter - Bay Area . (rent $1600 mo) Debt: none Salary 108k/year I am a relatively late saver, did...
by JD2775
Sat Jan 27, 2018 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard automatic investing - where is it?
Replies: 3
Views: 304

Vanguard automatic investing - where is it?

Dumb question....where on the Vanguard website can you see your automatic investment setup? I set it up a long time ago but can't figure out where to see the details for it on either the website or the app.

Thanks
by JD2775
Sun Jan 21, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Passport renewal and usage- what's the scoop?
Replies: 33
Views: 2988

Re: Passport renewal and usage- what's the scoop?

Awesome...thank you everyone!
by JD2775
Sun Jan 21, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Passport renewal and usage- what's the scoop?
Replies: 33
Views: 2988

Passport renewal and usage- what's the scoop?

I have heard conflicting reports on this... If I renew my American Passport, can I use it immediately to go to Europe once I receive it? Or is there a waiting period? I think there is a buffer period for some countries on the opposite end. i.e. if I go to certain countries in May, my passport can't ...
by JD2775
Sat Jan 13, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Am I too aggressive?
Replies: 30
Views: 6171

Re: Portfolio Advice - Am I too aggressive?

Sorry for bumping up an old thread but I thought I would update this 10 years later: I am 48 and my wife is 45 and we have never made more than the $80,000 which we made last year. I wish I would have listened to the wise advice I got from people telling me I needed more bonds. But I guess sometime...
by JD2775
Tue Jan 02, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 165
Views: 18779

Re: Max It Out Tomorrow [your IRA]

Both GF and I contribute $105 a week and then will backdoor at the end of the year. I don't consider this DCA as we don't have the extra cash to max both on Jan 1. Bingo. I don't consider it DCA either as it's just not feasible for me to do a lump sum all at once, so I spread it out. It's not for a...
by JD2775
Sun Dec 24, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: HDHP and HSA vs PPO
Replies: 15
Views: 1545

Re: HDHP and HSA vs PPO

I made the switch from PPO to HDHP/HSA 3 years ago and wish I did it sooner. I keep the minimum cash balance needed in my HSA account and invest the rest in 80/20 Total Stock/Total Bonds. For such a little amount of money it sure has grown a lot the last couple years. I realize there will be a day w...
by JD2775
Fri Oct 20, 2017 11:31 am
Forum: Investing - Theory, News & General
Topic: 401k "only" up 13.5% YTD
Replies: 26
Views: 2986

Re: 401k "only" up 13.5% YTD

Thanks for the replies guys, just wanted some peace of mind. Appreciate it!
by JD2775
Fri Oct 20, 2017 11:23 am
Forum: Investing - Theory, News & General
Topic: 401k "only" up 13.5% YTD
Replies: 26
Views: 2986

Re: 401k "only" up 13.5% YTD

Thanks for the replies... The Target Fund has roughly this allocation: Total Market Stock - 48% Total International Stock - 31% Bonds - 21% My allocation is: Large Cap 48% Mid Cap 13% Small Cap 7% International Stock 10% Bonds 22% I think that International stock is the difference maker as I mention...
by JD2775
Fri Oct 20, 2017 11:08 am
Forum: Investing - Theory, News & General
Topic: 401k "only" up 13.5% YTD
Replies: 26
Views: 2986

401k "only" up 13.5% YTD

Sounds ridiculous to say but I feel like this year could have been better. I switched from a Target Retirement Fund (end of last year) that is currently at 17.8% YTD. Sure, it has higher ER (.64 compared to my 5 fund total of .16) so that counts for something. I am much less international than i wou...
by JD2775
Fri Sep 22, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 28748

Re: Calling out the not so rich bogleheads

Age 30: had about $200 in savings and about 19k in student loan debt Age 35: had about $40k in savings and about 8k in student loan debt Age 42 (current): have about $300k in savings. No debt. Biggest change was getting a job that offered a 401k at age 30. Never had anything like that. My 20's were ...
by JD2775
Thu Sep 21, 2017 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Apartment searching with frozen credit
Replies: 9
Views: 1199

Re: Apartment searching with frozen credit

Ask which agency they use, and just unfreeze that one. It wouldn't hurt to explain the situation and ask if they have an alternative way to verify your credit, i.e.,references, etc. Ah, that's a good idea. I didnt think to narrow it down by asking them. I am sure they would understand the situation...
by JD2775
Thu Sep 21, 2017 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Apartment searching with frozen credit
Replies: 9
Views: 1199

Apartment searching with frozen credit

So, I am a little unclear on what exactly is the side affect of having my credit frozen (currently froze Equifax, Experian, Transunion, Innovis due to security breach). I know I can't go out and apply for a loan for a car without unfreezing it, but what about searching for apartments? If potential l...
by JD2775
Fri Sep 15, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Equifax Credit Freeze 100% online
Replies: 35
Views: 5809

Re: Equifax Credit Freeze 100% online

You are lucky you got through. I've tried multiple times, it always fails on the last confirmation step. "System unavailable. Please try again later"
by JD2775
Thu Sep 14, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Experian credit freeze by phone vs online
Replies: 9
Views: 1745

Re: Experian credit freeze by phone vs online

Has anyone been able to use the Experian freeze online? I get the feeling they are giving us the runaround. I put in on the info and then get kicked out saying I have to physically mail in a bunch of documents. Crazy. The other 2 worked fine. Experian credit freeze online worked fine for me. Actual...
by JD2775
Thu Sep 14, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax is a mess
Replies: 21
Views: 3918

Re: Equifax is a mess

JD2775 wrote: ↑
Thu Sep 14, 2017 12:38 pm
yep...same thing here.

was able to freeze experian and innovis

havent been able to get through on equifax or transunion

PITA


EDIT: just got through on Trans Union. So that just leaves Equifax....

by JD2775
Thu Sep 14, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax is a mess
Replies: 21
Views: 3918

Re: Equifax is a mess

yep...same thing here.

was able to freeze experian and innovis

havent been able to get through on equifax or transunion

PITA
by JD2775
Tue Sep 12, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 vs Capital One Money Market
Replies: 12
Views: 3114

Re: Capital One 360 vs Capital One Money Market

Perfect, thank you both! I will sign up. Only small catch I can see is if I let the MM account get to < 10k, the APY goes to .60% which is actually less than the regular 360 savings. Something to keep an eye on for me... I will follow your lead and leave the regular 360 savings acct open. That way i...
by JD2775
Tue Sep 12, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 vs Capital One Money Market
Replies: 12
Views: 3114

Capital One 360 vs Capital One Money Market

Thinking about moving from 360 to the Money Market acct. Only difference I can tell is 0.75% vs 1.2% APY in favor of Money Market, and needing $10k minimum for the Money Market Has anyone here made this switch before? Anything to look out for? This is for my regular savings account Also, any reason ...
by JD2775
Tue Aug 22, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: E.R. vs % gain
Replies: 5
Views: 556

Re: E.R. vs % gain

Target fund probably had more international allocation. Bingo. It has much more, 25-30% I believe vs 12% in my portfolio. I know that is the biggest killer here Take alook. At the 10 year return of both. Also what is the targetfund invested in? Which target fund is it? And what is your AA this year...
by JD2775
Tue Aug 22, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: E.R. vs % gain
Replies: 5
Views: 556

E.R. vs % gain

Just curious if others have faced this issue and how would they handle it.... I used to just have a TargetFund2040 in my 401k. It had an expense ratio of 0.68%. After coming to Bogleheads I realized I could knock that way down with a mix of low cost index funds (total market, intl, small cap, mid ca...
by JD2775
Wed Aug 16, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: what % of international stock
Replies: 31
Views: 2474

Re: what % of international stock

I dropped my INT from 20% of total portfolio to 12% at the end of last year and am kicking myself for doing so. That particular mutual fund in my 401k has been the best performing by far in 2017, something like 15.5% gain
by JD2775
Tue Jul 18, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Anyone feel like talking "R"
Replies: 50
Views: 12629

Re: Anyone feel like talking "R"

My title is Statistical Programmer. The field of data management and analysis seems to be broken down into 1) Data Science and 2) Predictive Analytics these days, where Data Scientists have a stronger coding background and often deal with less structured data whereas Predictive Analysts do primaril...
by JD2775
Mon Jun 19, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: 100k Service - 2010 Camry & Corolla - All Maintenance Deferred
Replies: 17
Views: 2661

Re: 100k Service - 2010 Camry & Corolla - All Maintenance Deferred

I own a 2010 Camry and a 2010 Corolla. In the past month, both have gone over 100,000 miles. I'd like to keep both going strong for at least another 50,000 miles. Other than oil changes, all maintenance has been deferred on these two vehicles (air filters occasionally as well). I don't understand, ...
by JD2775
Wed May 10, 2017 10:15 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1821
Views: 329607

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

My 401K is up 6.2% YTD

I am kicking myself though because the best performing fund I have, is the one I dropped from 20% to 10% allocation during the last half of 2016. International Stock Index Fund. Oh well.
by JD2775
Sun May 07, 2017 10:55 pm
Forum: Investing - Theory, News & General
Topic: Anyone use Python to analyze their finances?
Replies: 40
Views: 8067

Re: Anyone use Python to analyze their finances?

I've used python a fair bit for running financial simulations and projections (#3 in your list) and for data cleaning and compiling (#2 in your list). I know enough to know writing the code to log into websites and grab data is possible, but it'd be a lot more work than either of the other two poin...
by JD2775
Sun May 07, 2017 10:22 pm
Forum: Investing - Theory, News & General
Topic: Anyone use Python to analyze their finances?
Replies: 40
Views: 8067

Anyone use Python to analyze their finances?

I am in the midst of a 4-day "Python for Data Science" bootcamp where we are learning how to do data analysis through python scripts. It is very interesting and practical and makes me wonder if anyone has put this to use for finances.... I would love to be able write a script that would: 1. Log into...
by JD2775
Wed May 03, 2017 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Trad 401k or Roth 401k - invest in both?
Replies: 8
Views: 4424

Re: Trad 401k or Roth 401k - invest in both?

Well this also depends on how much you withdraw in retirement. If you plan on withdrawing $200k a year, then obviously Roth 401k is better. But if you're a normal person, and you are withdrawing 4%, then the top of the 25% tax bracket for single - 91k/0.04 = ~2.3 million. At your 30k/yr for 20 yrs,...
by JD2775
Wed May 03, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Trad 401k or Roth 401k - invest in both?
Replies: 8
Views: 4424

Re: Trad 401k or Roth 401k - invest in both?

Read this: The Case Against Roth 401(k) Then read this: Roth 401(k) for People Who Contribute the Max . Or just Google this: roth 401k site:thefinancebuff.com After reading those, let us know what you think. Kevin Thanks Kevin. I read those and it's good information, leaning towards traditional 401...
by JD2775
Wed May 03, 2017 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Trad 401k or Roth 401k - invest in both?
Replies: 8
Views: 4424

Re: Trad 401k or Roth 401k - invest in both?

Read this: The Case Against Roth 401(k) Then read this: Roth 401(k) for People Who Contribute the Max . Or just Google this: roth 401k site:thefinancebuff.com After reading those, let us know what you think. Kevin Thanks Kevin. I read those and it's good information, leaning towards traditional 401...
by JD2775
Wed May 03, 2017 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Trad 401k or Roth 401k - invest in both?
Replies: 8
Views: 4424

Trad 401k or Roth 401k - invest in both?

I probably should have looked into this sooner but am just thinking about it now. Employer started offering Roth 401k as an option in my retirement plan a cpl years ago as well as standard 401k (through Merrill Lynch). Some stats: Age: 42 Marital status: Single Loc: HCOL (Bay Area, CA) renter Emerge...
by JD2775
Mon May 01, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: Would you exchange a 2001 4Runner for a 2007 Santa Fe?
Replies: 33
Views: 2527

Re: Would you exchange a 2001 4Runner for a 2006 Santa Fe?

barnaclebob wrote:Good lord no. That generation 4runner is one of the best SUV's ever made and you barely have it broken in yet. The only thing that would cause me to get rid of your 4runner is the RWD instead of 4wd.

Even if it was RWD I wouldn't trade it for the Santa Fe. That's insanity
by JD2775
Sun Apr 16, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: My kids don't care about saving
Replies: 114
Views: 13361

Re: My kids don't care about saving

FWIW I didn't care about savings in my 20's either. At 30 years old I had about $400 to my name and no retirement savings.

Luckily I wised up in my thirties and am playing catch up now, wish I saved in my 20s but it's just how it was
by JD2775
Fri Mar 03, 2017 10:50 pm
Forum: Personal Consumer Issues
Topic: Heading to Spain and I don't have a PIN for my Credit Card
Replies: 20
Views: 1795

Re: Heading to Spain and I don't have a PIN for my Credit Card

I think you will be ok. I just spent the last 10 months in Germany, England, Ukraine, Albania, and Italy and I never used a PIN for my credit card. That said, I don't have a PIN for my credit card so I don't know much about this feature and what the repercussions are when using a credit card with a...
by JD2775
Fri Mar 03, 2017 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Opened a Roth IRA in 2011, without knowing much about it
Replies: 2
Views: 493

Opened a Roth IRA in 2011, without knowing much about it

Hi, I opened a ROTH IRA in 2011 at the suggestion of a friend. Then (like now) I was in the 25% tax bracket but on the lower end of it. Now I am on the upper end of it, and am about 12k/year short of the "income limit" for Roth. Is there any reason to move this to a regular IRA? Or should I just sti...
by JD2775
Fri Mar 03, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: Heading to Spain and I don't have a PIN for my Credit Card
Replies: 20
Views: 1795

Re: Heading to Spain and I don't have a PIN for my Credit Card

I think you will be ok. I just spent the last 10 months in Germany, England, Ukraine, Albania, and Italy and I never used a PIN for my credit card. That said, I don't have a PIN for my credit card so I don't know much about this feature and what the repercussions are when using a credit card with a...
by JD2775
Fri Mar 03, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Heading to Spain and I don't have a PIN for my Credit Card
Replies: 20
Views: 1795

Re: Heading to Spain and I don't have a PIN for my Credit Card

Thank you guys, I feel a little less anxious about this now!
by JD2775
Fri Mar 03, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: Heading to Spain and I don't have a PIN for my Credit Card
Replies: 20
Views: 1795

Re: Heading to Spain and I don't have a PIN for my Credit Card

Thanks...

One other question, if asked, I should ALWAYS choose to pay in local currency (EUROS) rather than my own currency, correct?
by JD2775
Fri Mar 03, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: Heading to Spain and I don't have a PIN for my Credit Card
Replies: 20
Views: 1795

Re: Heading to Spain and I don't have a PIN for my Credit Card

The Wizard wrote:It should work fine when a person is involved, possibly not so fine at unattended facilities...

Ahh ok, that's what I figured. That's not a huge issue if that's the case as most transactions I think will involve people, those that don't ill prob pay cash.

Thanks
by JD2775
Fri Mar 03, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Heading to Spain and I don't have a PIN for my Credit Card
Replies: 20
Views: 1795

Heading to Spain and I don't have a PIN for my Credit Card

Kind of dropped the ball on this.... I am leaving for Spain on Tuesday (for a few weeks) and I am just realizing now I may need a PIN for my Capital One Mastercard in order to use it over there. Is this true? It is a chip card that also has a magnetic "swipe" and signature box on the back of it is a...
by JD2775
Fri Feb 17, 2017 5:57 pm
Forum: Investing - Theory, News & General
Topic: BofA HSA dropping Vanguard Funds
Replies: 65
Views: 10643

Re: BofA HSA dropping Vanguard Funds

I'm not sure this holds true across the board... I have B of A HSA through my employer, all Vanguard funds within, have received no email about this, and just logged into my account and see no mention of it anywhere. Maybe it only applies to a certain segment of people? I have allocation in: VANGUAR...
by JD2775
Tue Feb 14, 2017 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Adjusting 401k contributions for bonuses and raises
Replies: 17
Views: 2244

Re: Adjusting 401k contributions for bonuses and raises

Thanks guys!

I will dig into this a little bit more and adjust as needed.
by JD2775
Tue Feb 14, 2017 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Adjusting 401k contributions for bonuses and raises
Replies: 17
Views: 2244

Re: Adjusting 401k contributions for bonuses and raises

I should add that employer matches dollar for dollar up to 6% Is that on a per-paycheck basis, or does the match stop if you hit the $18K sooner before your last paycheck? That is, is it up to 6% of the paycheck? Or 6% of total compensation? +1 If your company doesn't do a "true up" match you could...