Search found 168 matches

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: 10783

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: 1027

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: 365

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 ...
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: 1027

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: 1027

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: 1027

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: 1027

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: 1027

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 ...
by JD2775
Fri Feb 17, 2017 5:57 pm
Forum: Investing - Theory, News & General
Topic: BofA HSA dropping Vanguard Funds
Replies: 35
Views: 4027

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: 793

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: 793

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...
by JD2775
Tue Feb 14, 2017 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Adjusting 401k contributions for bonuses and raises
Replies: 17
Views: 793

Re: Adjusting 401k contributions for bonuses and raises

I would divide 18k / 26, figure out the percentage based on salary, and be done with it. Why make it more complicated? Did you really mind getting those bigger paychecks at the end of the year? Nope! Not at all. I just wasn't sure if there was something flawed in my "strategy" that's all....
by JD2775
Tue Feb 14, 2017 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Adjusting 401k contributions for bonuses and raises
Replies: 17
Views: 793

Adjusting 401k contributions for bonuses and raises

Hi, I get paid 26x a year (every other week). Typically I divide my contribution evenly throughout the year so I hit 18k at end end of the year. This doesn't take into consideration the following: -Bonus in March (generally 5-7% of salary) -Pay Increase in April (COL, standard increase) Once I reach...
by JD2775
Tue Jan 24, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 495
Views: 120472

Re: Share your net worth progression

Here is a very rough outline of mine... 30 years old - $0 net worth 38 years old - Approx $100k, mostly in 401k opened when I was 31, little bit in Roth 41 years old (current) - $235k. ($185k in 401k, $30k in Roth, $20k in savings/cash) 2 things.. I really, really wish I started in my 20's but I was...
by JD2775
Mon Jan 16, 2017 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Should I use a Target Fund for both 401k and Roth IRA?
Replies: 4
Views: 526

Re: Should I use a Target Fund for both 401k and Roth IRA?

I was doing that for a while actually before I found this site (Merrill Lynch 401k, Vanguard ROTH IRA). Used Target Funds in both. It wasn't until I joined this site that I realized how stupid that was, at least for the 401k sake. My expense ratio for that target fund was somewhere around .70 I scra...
by JD2775
Wed Jan 11, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: Shutterbugs - How do you organize your digital photos?
Replies: 44
Views: 3163

Re: Shutterbugs - How do you organize your digital photos?

Pretty simple...

RAW photos are uploaded to Adobe Bridge (that is where I store/organize my photos). Edits are made in ACR/PS CS6. Backups to a external HD
by JD2775
Wed Jan 04, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10503

Re: Max It Out Tomorrow [your IRA]

Interesting. Now I get on here and have to read about lump sum vs DCA?? :oops: :greedy We'll stick with $458/m for now! No problems with that, it's the same thing I do. Sure, I could take $5500 out of my savings and invest it upfront and then pay back my savings account but I don't see the need. So...
by JD2775
Tue Jan 03, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Large purchase anxiety!
Replies: 24
Views: 2905

Re: Large purchase anxiety!

4-Runners are sweet. Will this be your daily driver as well? How many miles approx in a year? I had the same anxiety as you when I got my TRD Tacoma. Expensive, "gas guzzler", but I love it. I bought it new in 2013, I know I will have for 250-300k hopefully easily. Paid it off in 2.5 years...
by JD2775
Mon Jan 02, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10503

Re: Max It Out Tomorrow

Can someone explain this to me? The market is fairly "high" right now....why would dumping $5500 into it today be better than breaking it up into 12-monthly installments for example? (which I have to do, no choice) Just curious. Thanks. Wife and I put in $11k yesterday. Market is (hopeful...
by JD2775
Mon Jan 02, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10503

Re: Max It Out Tomorrow

Can someone explain this to me?

The market is fairly "high" right now....why would dumping $5500 into it today be better than breaking it up into 12-monthly installments for example? (which I have to do, no choice)

Just curious. Thanks.
by JD2775
Fri Dec 23, 2016 7:10 pm
Forum: Personal Consumer Issues
Topic: Vacationing in Spain - how to pay for things?
Replies: 42
Views: 3303

Re: Vacationing in Spain - how to pay for things?

My spouse used credit cards and got cash out of ATMs with her ATM card without any problems Ok so use my credit card at the ATM's there ,and NOT my bank/debit card correct? No, use your bank card; otherwise you will charged a horrendous interest rate for a cash advance by your credit card. Your ban...
by JD2775
Fri Dec 23, 2016 7:03 pm
Forum: Personal Consumer Issues
Topic: Vacationing in Spain - how to pay for things?
Replies: 42
Views: 3303

Re: Vacationing in Spain - how to pay for things?

My spouse used credit cards and got cash out of ATMs with her ATM card without any problems Ok so use my credit card at the ATM's there ,and NOT my bank/debit card correct? No, use your bank card; otherwise you will charged a horrendous interest rate for a cash advance by your credit card. Your ban...
by JD2775
Fri Dec 23, 2016 7:01 pm
Forum: Personal Consumer Issues
Topic: Vacationing in Spain - how to pay for things?
Replies: 42
Views: 3303

Re: Vacationing in Spain - how to pay for things?

livesoft wrote:My spouse used credit cards and got cash out of ATMs with her ATM card without any problems


Ok so use my credit card at the ATM's there ,and NOT my bank/debit card correct?
by JD2775
Fri Dec 23, 2016 6:58 pm
Forum: Personal Consumer Issues
Topic: Vacationing in Spain - how to pay for things?
Replies: 42
Views: 3303

Vacationing in Spain - how to pay for things?

I will be traveling to Spain for 3 weeks this upcoming Spring, for a family wedding and then to travel around a bit on my own. A lot of the time I will be staying with family, but then I will be off traveling as well to different locations, staying in hotels, riding the train etc. In general, what w...
by JD2775
Thu Dec 22, 2016 11:41 am
Forum: Personal Finance (Not Investing)
Topic: I have an inheritance...please help me plan my course of action!
Replies: 13
Views: 2209

Re: I have an inheritance...please help me plan my course of action!

Is the 20k in savings all you have personally? I know if that's all I had, i would put the 170k towards retirement and not towards buying a home. That's just me though
by JD2775
Wed Dec 21, 2016 3:58 pm
Forum: Personal Consumer Issues
Topic: Digital Photo backup
Replies: 10
Views: 1256

Re: Digital Photo backup

mancich wrote:If you are a Prime member, they have unlimited storage for photo back-up


Do you know if that includes RAW files? Or just JPEG?
by JD2775
Wed Dec 21, 2016 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: What to do when re-balancing needs triggers no alarms
Replies: 3
Views: 443

What to do when re-balancing needs triggers no alarms

Hi, Had a question about re-balancing and portfolio in general..... Age: 41 Marital Status: Single Housing: Renter HCOL area (SF Bay Area) Gross Pay: 100k/year 401k balance: $185k (Merril Lynch) Roth IRA balance: $30k (Vanguard Target Date fund) Both 401k and Roth are maxed out, starting 2 years ago...
by JD2775
Thu Dec 15, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: 4runner vs. Highlander?
Replies: 41
Views: 4473

Re: 4runner vs. Highlander?

I have both though they are not close to the same model years. The 4runner is a 2000 with 235k on it and the highlander is a 2015 with 20k on it. Like others have mentioned the highlander drives like a car and is great on road trips. The 4runner drives like a truck and will punish you all the way t...
by JD2775
Sat Dec 10, 2016 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: HSA - is keeping 40 years of medical records practical?
Replies: 128
Views: 9966

Re: HSA - is keeping 40 years of medical records practical?

I don't understand why people make this so complicated... What am I missing here? Pre-tax dollars growing tax free being withdrawn tax free. By pulling out as needed you're reducing the "growing tax free" part. Ahhh ok, gotcha. I knew I had to be missing something :) I rarely need to use ...
by JD2775
Sat Dec 10, 2016 11:57 am
Forum: Investing - Help with Personal Investments
Topic: HSA - is keeping 40 years of medical records practical?
Replies: 128
Views: 9966

Re: HSA - is keeping 40 years of medical records practical?

I don't understand why people make this so complicated... When I have a health related expensive, i use my HSA debit card to pay for it. Done. No receipts needed, no spreadsheets that need to be kept. HSA is maxed out, and fully invested beyond the $1000 minimum cash balance needed. What am I missin...
by JD2775
Mon Nov 14, 2016 3:03 pm
Forum: Personal Consumer Issues
Topic: which pickup truck
Replies: 67
Views: 7422

Re: which pickup truck

I was considering downgrading my Ram 1500 for a car, but changed my mind this weekend. Now reading these posts I consistently see comments about Ram being poor quality compared to the others. What is the basis for these comments? Are they all "my brother's boss had friend who's Ram fell apart,...
by JD2775
Mon Nov 14, 2016 10:48 am
Forum: Investing - Theory, News & General
Topic: "Stay the Course in the Next Bad Market?"
Replies: 32
Views: 5855

Re: "Stay the Course in the Next Bad Market?"

At 41 years old I have no problem "staying the course" and ignoring a Bear Market, should it appear. If i were 65 though I honestly don't know how I would react. Certainly not as calm as now I am guessing.
by JD2775
Sun Nov 13, 2016 11:01 am
Forum: Investing - Help with Personal Investments
Topic: 401k- what's your experience with contribution limits?
Replies: 19
Views: 2183

Re: 401k- what's your experience with contribution limits?

Thanks everyone for the feedback. Good stuff, and gives me some questions to go to HR with.
by JD2775
Sun Nov 13, 2016 11:00 am
Forum: Personal Consumer Issues
Topic: which pickup truck
Replies: 67
Views: 7422

Re: which pickup truck

MI-bogle--I have considered the new small diesel offered by Chevrolet in the Colorado. Would like a Tacoma if it got better gas mileage , I am going to look at all those listed here and in previous posts. I am just getting older and realize the next truck will probably be my last unless we do a lot...
by JD2775
Sat Nov 12, 2016 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: 401k- what's your experience with contribution limits?
Replies: 19
Views: 2183

401k- what's your experience with contribution limits?

If you contribute throughout the year to a 401k and go for the max (18k) what does your company do when you reach the max? Do they stop the contributions for your automatically? Or is it totally on you to monitor it and make sure you don't go over? I am sure it differs from company to company I am j...
by JD2775
Sat Nov 05, 2016 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy or rent
Replies: 24
Views: 2266

Re: Should I buy or rent

Dr. William Bernstein has an amazing rule of thumb for this. Multiply your monthly rent by 150 if the house costs less consider buying if not you are probably better off renting. So that would be $2,200 * 150 = $330,000 or less may be worth buying. Wow, given that rule of thumb I can't see how it w...
by JD2775
Mon Oct 24, 2016 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a new (used) car?
Replies: 24
Views: 2190

Re: Can I afford a new (used) car?

Mrxyz wrote:Is he asking if he can afford a new (used) car........ or yacht?
Is this a humblebrag ??
Sorry if I am wrong!


That's how I read it.

"Im 37 years old and am worth 1.6 million dollars...can I buy a new car?"
by JD2775
Sat Oct 08, 2016 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Side hustle
Replies: 58
Views: 9558

Re: Side hustle

I am a landscape photographer hobbyist and about 3 years ago I had enough people tell me I should "sell prints" so I set up a site through Zenfolio and sell prints now. It's very minor, but it brings in a little extra money per year. Zenfolio takes a 10% cut but they take care of EVERYTHIN...
by JD2775
Sat Oct 01, 2016 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Staying at same company for years and years….bad idea?
Replies: 41
Views: 4885

Re: Staying at same company for years and years….bad idea?

BTW your post comes across that you may be just bored. I know complaining about having a great job in the Bay Area sounds like a serious case of First World problems but we were in the same spot in 2003. Moving to AZ for six years was a surprisingly good cure for that boredom although most of our f...
by JD2775
Sat Oct 01, 2016 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Staying at same company for years and years….bad idea?
Replies: 41
Views: 4885

Re: Staying at same company for years and years….bad idea?

Where would you go; another biotech company in the Bay Area? Relocate out of the area? Do you own your home? My husband was in IT for the same company for 25 years. He actually left twice for six months and then returned. His company was originally based in the SF Bay but was focused on the interna...
by JD2775
Sat Oct 01, 2016 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Staying at same company for years and years….bad idea?
Replies: 41
Views: 4885

Re: Staying at same company for years and years….bad idea?

CppCoder wrote:If you're happy and treated fairly, I see nothing wrong with it. I've only had one employer (over a decade) and will likely retire from here. It's a good job with great benefits and a great retirement package. The grass is often greener...


The grass is always greener….yep, that is my fear.
by JD2775
Sat Oct 01, 2016 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Staying at same company for years and years….bad idea?
Replies: 41
Views: 4885

Re: Staying at same company for years and years….bad idea?

My primary regret professionally in terms of career growth and maximizing salary was staying longer than 7-8 years at any one company. You don't want to be seen as a job hopper but there is so much to learn by moving around or even changing industries. If you are not on a accelerated top talent fas...
by JD2775
Sat Oct 01, 2016 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Staying at same company for years and years….bad idea?
Replies: 41
Views: 4885

Re: Staying at same company for years and years….bad idea?

I work for a big Biotech company in the Bay Area (they are actually based out of the East Coast). I have worked here for 11 years, first 6 years was in Research and the last 5 have been in Software and Data Warehouse. The company pays decent, has good benefits (401k, medical, HSA etc), I have been ...
by JD2775
Sat Oct 01, 2016 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Staying at same company for years and years….bad idea?
Replies: 41
Views: 4885

Staying at same company for years and years….bad idea?

I work for a big Biotech company in the Bay Area (they are actually based out of the East Coast). I have worked here for 11 years, first 6 years was in Research and the last 5 have been in Software and Data Warehouse. The company pays decent, has good benefits (401k, medical, HSA etc), I have been h...
by JD2775
Tue Sep 27, 2016 4:47 pm
Forum: Personal Consumer Issues
Topic: Spouse concerned about buying luxury SUV
Replies: 66
Views: 8902

Re: Spouse concerned about buying luxury SUV

All 3 are good but I would hardly consider the Honda Pilot as "Luxury"
by JD2775
Fri Sep 23, 2016 9:15 pm
Forum: Personal Consumer Issues
Topic: My "Corolla Investment" has ended...410,000 [miles]
Replies: 56
Views: 7357

Re: My "Corolla Investment" has ended...410,000 [miles]

Toyotas are the best. I hope to get that kind of mileage out of my Tacoma. Currrently at 53k, long way to go!
by JD2775
Fri Sep 23, 2016 9:44 am
Forum: Personal Consumer Issues
Topic: Anyone use Mac OS El Capitan with Photoshop CS6?
Replies: 9
Views: 590

Re: Anyone use Mac OS El Capitan with Photoshop CS6?

I'm using El Capitan on my 15" MBP. Both my CS3 & CS6 works on it. On CS 3 the font auto activation (Suitcase fusion 6) didn't work. But everything works with CS6. Hmmm interesting. You have the stand-alone (non-cloud) version of CS6? This mixed reviews is confusing. I wish I felt more con...
by JD2775
Fri Sep 23, 2016 9:30 am
Forum: Personal Consumer Issues
Topic: Anyone use Mac OS El Capitan with Photoshop CS6?
Replies: 9
Views: 590

Re: Anyone use Mac OS El Capitan with Photoshop CS6?

My wife is a graphic designer and we have not upgraded to El Capitan yet at home because we have the older version of CS. Now that she has upgraded to the cloud version of CS at work, and will be able to access it at home, she says it is now safe to upgrade to El Capitan. According to her, El Capit...
by JD2775
Fri Sep 23, 2016 9:13 am
Forum: Personal Consumer Issues
Topic: Anyone use Mac OS El Capitan with Photoshop CS6?
Replies: 9
Views: 590

Anyone use Mac OS El Capitan with Photoshop CS6?

I am way behind in upgrading my OS on my Macbook Pro. Currently running Lion I believe. The only hesitation I have is I heard of compatibility issues with El Capitan and CS6. This is CS6 stand-alone version (old school, not the Cloud version) Can anyone confirm or deny this? It makes me hesitant....

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