Search found 190 matches

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: 25211

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: 995

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: 995

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: 5191

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: 1259

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: 3508

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: 3508

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: 6
Views: 900

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: 6
Views: 900

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: 404

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: 404

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: 1806

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: 40
Views: 9017

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: 2206

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: 1527
Views: 270575

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: 6687

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: 6687

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...
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: 4320

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: 4320

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: 4320

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: 4320

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: 2180

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: 12462

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: 1402

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: 438

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: 1402

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: 1402

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: 1402

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: 1402

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: 1402

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: 65
Views: 8789

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: 1222

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: 1222

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: 1222

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: 1222

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: 574
Views: 150958

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: 747

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: 3711

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: 11313

Re: Max It Out Tomorrow [your IRA]

Interesting. Now I get on here and have to read about lump sum vs DCA?? 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 $458/month it ...
by JD2775
Tue Jan 03, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Large purchase anxiety!
Replies: 24
Views: 3560

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: 11313

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: 11313

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: 3866

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: 3866

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: 3866

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: 3866

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: 2380

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: 1403

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: 486

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: 6157

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...