Search found 306 matches

by JD2775
Mon Nov 11, 2019 1:17 pm
Forum: Personal Consumer Issues
Topic: Mobile finance apps - do you use them?
Replies: 22
Views: 1069

Mobile finance apps - do you use them?

I have apps on my phone for Capital One, Merrill Lynch and Vanguard. It is a very easy way to see balances and activity on the go, but lately I am wondering if this is really safe to do... If you have mobile finance apps on your phone do you limit where you check them? i.e. only from a wifi connecti...
by JD2775
Sat Nov 02, 2019 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: 25yo financial check-in
Replies: 15
Views: 1592

Re: 25yo financial check-in

when i was 25 I had zero retirement savings (or any investments of any kind), and 18k in student loan debt. I had maybe $350 in a savings account. I didnt start saving for retirement until 32 or so.

You are killing it, keep up the good work
by JD2775
Tue Oct 08, 2019 11:14 am
Forum: Personal Investments
Topic: Rolling over 401k into IRA
Replies: 5
Views: 435

Rolling over 401k into IRA

This is a question for my girlfriend.... She has a 401k with Merrill Lynch that has been sitting there the last year since she left her company. She is invested in a target date fund with 0.64 ER and is paying monthly admin fees, and wants to get out of it. She has other accounts with both Vanguard ...
by JD2775
Thu Sep 26, 2019 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need an Umbrella Policy?
Replies: 12
Views: 1351

Re: Do I need an Umbrella Policy?

Thanks everyone. I called GEICO and they got me set up. $137 a year for 1,000,000 coverage. Seems pretty cheap to me for peace of mind. On top of that my insurance went down $142/yr since I work from home now full time and my driving miles went way down. So basically they paid me to add an Umbrella ...
by JD2775
Thu Sep 26, 2019 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need an Umbrella Policy?
Replies: 12
Views: 1351

Do I need an Umbrella Policy?

I want to increase my bodily injury coverage on my Geico insurance (am just realizing it is too low) but I want to make sure I don't actually need an Umbrella Policy on top of it. Age 44: Single (no kids) Income: $110k/yr Net Worth: about $400k (investments/savings, no other assets aside from paid o...
by JD2775
Tue Sep 24, 2019 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Career Discussion / Options - Information Technology @ age 50
Replies: 22
Views: 2352

Re: Career Discussion / Options - Information Technology @ age 50

Not sure this is relevant or not.... I work in Data Warehouse for a large MegaCorp. I am 44 years old and I found that anyone we bring onto the team is generally younger than I am, with the exception of contractors. From what I have seen there has been no "age bias" with contractors. I may end up go...
by JD2775
Fri Sep 20, 2019 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Making Psychological Shift to High Deductibles, Funded HSA
Replies: 30
Views: 2096

Re: Making Psychological Shift to High Deductibles, Funded HSA

Because I want to use the account to invest (not getting nickled and dimed with Lively), I act like I don't have it. I pay for what little medical care I have needed out of pocket, maybe a couple hundred a year. Thats exactly what I do. I switched to HSA about 4 years ago and wish I had done it soo...
by JD2775
Fri Sep 20, 2019 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 shaking up savings accounts
Replies: 34
Views: 11578

Re: Capital One 360 shaking up savings accounts

So those of us (like myself) with a current 360 MM account....do we HAVE to switch to the new account? Or can we just keep it as is? Any idea?
by JD2775
Sat Sep 14, 2019 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 30231

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

My only question is why on earth would you commute to Silicon Valley from San Ramon? That is something tech ppl usually do, but as a teacher? Are there no other teaching positions closer? You must have it made at your current spot.

Good for you though for saving like you do!
by JD2775
Tue Aug 27, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need a Will? A Trust? Nothing?
Replies: 22
Views: 1561

Re: Do I need a Will? A Trust? Nothing?

So you are the person that it's fine to DIY a will! Rocket lawyer it's like $20 make someone's life a LOT! Easier. You don't have enough to fight over so they can go in get it probated and do an easy estate file in most states. Who is your heir? Unless you have no family ar all everyone has one. So...
by JD2775
Tue Aug 27, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need a Will? A Trust? Nothing?
Replies: 22
Views: 1561

Re: Do I need a Will? A Trust? Nothing?

Do someone a favor a create a simple will ... just in case. Don’t create possible work for your next of kin if you die and something needs to be dealt with. You can do one online, print it out, sign/notarize and put in a bright colored 8.5x11 envelope. Throw a note in that details your accounts and...
by JD2775
Tue Aug 27, 2019 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need a Will? A Trust? Nothing?
Replies: 22
Views: 1561

Do I need a Will? A Trust? Nothing?

I admit I know nothing about this topic but for some reason I have been thinking about it lately... Quick current synopsis.. 44 yrs old Single No property, no physical assets really outside of a car I own All my accounts (401k, Roth, Taxable, Money Market) have beneficiaries listed Do I need anythin...
by JD2775
Fri Aug 23, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Do you sacrifice to save?
Replies: 97
Views: 8961

Re: Do you sacrifice to save?

Absolutely. The old me could have gone on a ton of vacations, bought nice fancy things, ate out all the time. I choose to max out 401k, roth, hsa and add some to taxable and MM acct now every month instead. Whatever is left over I live off of. This was in sharp contrast to how I was 8-10 years ago. ...
by JD2775
Mon Aug 19, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: How to read (and retain)?
Replies: 92
Views: 5972

Re: How to read (and retain)?

Interesting topic... RE: just the technical reading aspect of your question.... I know for me when I started to learn how to program I did it in probably the worst way imaginable. I would get a book, say on Python, all excitedly read parts of it but not finish it then move onto the next shiny object...
by JD2775
Fri Aug 16, 2019 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to define "HCOL" (high cost of living) areas?
Replies: 79
Views: 5030

Re: How to define "HCOL" (high cost of living) areas?

According to the cite provided by H-Town, here are the top 20 cost of living areas in the U.S.... 1. Palo Alto, California 2. Mountain View, California 3. New York City, New York 4. San Francisco, California 5. Honolulu, Hawaii 6. Oakland, California 7. San Jose, California 8. Boston, Massachusetts...
by JD2775
Fri Aug 16, 2019 4:44 pm
Forum: Personal Investments
Topic: Should I move around my Bonds?
Replies: 7
Views: 640

Re: Should I move around my Bonds?

abuss368 wrote:
Fri Aug 16, 2019 4:43 pm
I think your portfolio is good. I would not change the allocation especially with a small percentage.
thank you abuss!
by JD2775
Fri Aug 16, 2019 4:40 pm
Forum: Personal Investments
Topic: Should I move around my Bonds?
Replies: 7
Views: 640

Re: Should I move around my Bonds?

A lot of people have what I consider overly stringent rules about bonds in Roth. While I prefer holding mostly or all stock in Roth IRA and it makes sense to me to do that, there are plenty of good reasons why bonds can end up inside a Roth IRA. A person who has some bonds in Roth IRA should not fe...
by JD2775
Fri Aug 16, 2019 4:18 pm
Forum: Personal Investments
Topic: Should I move around my Bonds?
Replies: 7
Views: 640

Should I move around my Bonds?

Age: 44 401k - $310k (Merrill Lynch - 5 low cost index funds, Bond Index fund makes up 23%) Roth - 51k (Vanguard - Target Date Fund 2035, Bonds make up 24%) Taxable - 18k (Vanguard - Total Stock Market Admiral fund) My total Bond % of portfolio is 22%, which is inline with what I have my 401k set at...
by JD2775
Thu Aug 15, 2019 7:29 pm
Forum: Personal Consumer Issues
Topic: Pharmacist to Data Analyst Role
Replies: 38
Views: 3260

Re: Pharmacist to Data Analyst Role

If you become competent at SQL you'll be in a decent position to do a lot of DA work. Throw Python on top of that and you'll have a leg up on a lot of DA's I know/work with.
by JD2775
Fri Aug 09, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: New company spinoff - how to handle on LinkedIn?
Replies: 5
Views: 470

New company spinoff - how to handle on LinkedIn?

For simplicity sake... I worked at MegaCorp Company A for 15 years, 2 years ago it merged with Company B (another Megacorp), and changed the name of the company slightly but that was it. Fast forward to 2 months ago and a 3-company spinoff from Company A and Company B concluded, each new company it'...
by JD2775
Thu Aug 08, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a graduate data science job offer, or doing a MSc in Statistics
Replies: 34
Views: 2344

Re: Taking a graduate data science job offer, or doing a MSc in Statistics

This is a no-brainer. Take the job. You are basically being given a full-time Data Science job with very little coding experience (cpl online courses?). You must have impressed during your internship in ways that your employer thinks you can make up for any lack of real coding experience. You are in...
by JD2775
Tue Aug 06, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: Gifts to Bring when Traveling Overseas
Replies: 72
Views: 3514

Re: Gifts to Bring when Traveling Overseas

Ummm am I the only one who thinks that gifts are unnecessary, period? You have never met these relatives, you are flying all the way to the Netherlands to meet them. I'd say that's a "gift" in itself. I dunno.
by JD2775
Thu Aug 01, 2019 4:15 pm
Forum: Personal Consumer Issues
Topic: Are all models of Toyota generally considered reliable?
Replies: 52
Views: 5357

Re: Are all models of Toyota generally considered reliable?

Tacoma is probably near the top of the list for reliability among Toyota vehicles, if not at the top
by JD2775
Thu Jul 04, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Employers asking salaries
Replies: 47
Views: 6448

Re: Employers asking salaries

I recently was interviewing for jobs and a coworker of mine had good advice for a reply to this exact question, should it come up. "What is the salary range for this position"? The question was asked, and I gave that response. The recruiter gave me the range, which was 25% more on the LOW end of the...
by JD2775
Sat Jun 29, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: How much should I have saved for retirement by age 40?
Replies: 111
Views: 19307

Re: How much should I have saved for retirement by age 40?

bloom2708 wrote:
Sat Jun 29, 2019 9:56 am
$1 million by 40, mortgage paid off

$2 million by 50

See what happens at 55 and up.

Well, I'm screwed...
by JD2775
Fri Jun 28, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: New debit card without requesting it?
Replies: 11
Views: 688

Re: New debit card without requesting it?

Turns out they thought my card was expiring next month, even though it's valid until 3/21. No other reason (suspicious activity etc...).

Thanks
by JD2775
Fri Jun 28, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: New debit card without requesting it?
Replies: 11
Views: 688

Re: New debit card without requesting it?

Does this one have a chip and your old one did not? Likewise some banks are trying to push contactless RF sales and this one may be RF enabled. You have probably seen posts about potential problems with debit cards so I will not repeat all the reasons not to have a debit card but you can call them ...
by JD2775
Fri Jun 28, 2019 8:44 am
Forum: Personal Consumer Issues
Topic: New debit card without requesting it?
Replies: 11
Views: 688

New debit card without requesting it?

B of A sent me a new debit card out of nowhere. My current one doesn't expire for 18 months. Any ideas why they would do this? Same number on the front, just a different expiration date and 3-digit code on the back.

Anyone else have this happen? Or any ideas why they would?
by JD2775
Sat Jun 01, 2019 2:34 pm
Forum: Personal Consumer Issues
Topic: Golf interest rekindled after decades - My son created a monster! Now what?
Replies: 31
Views: 2779

Re: Golf interest rekindled after decades - My son created a monster! Now what?

I used to play competitively in amateur tours, college, junior golf etc, alongside a lot of the guys who are on the PGA Tour now (but I won't name drop). I gave it up entirely when I turned 23-24, just got tired of it and realized I wasn't good enough to make it to the next level. I went years witho...
by JD2775
Sun May 26, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 179
Views: 17972

Re: Are you on Facebook?

I was on FB for about 8 years, and I left it about 18 months ago. Don't miss it at all. I still have Instagram (for my photography). I don't see myself leaving that, even though I know its part of FB
by JD2775
Sun May 26, 2019 10:47 am
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 587
Views: 141234

Re: That Frugal Thing You Do

Use a TV antenna wash out and reuse plastic ziploc bags I sew stuff: gloves, work pants and shirts, socks, fleece pullovers I repair or have repaired everything eg tools, appliances, furniture etc..(within reason) It's not always frugal though My GF does this with those large ziploc bags, I thought...
by JD2775
Sun Apr 21, 2019 11:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard kicking butt with Target Date Funds
Replies: 22
Views: 5734

Re: Vanguard kicking butt with Target Date Funds

I wish my Merrill Lynch 401k had Vanguard TDF's available. The Target Funds they do have, all have .6 or.7 expense ratio. It's much cheaper to group your own low-cost index funds together.

I do have Vanguard TDF in my Roth IRA. Very simple and cheap.
by JD2775
Tue Apr 09, 2019 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Is a work-at-home job have the same expectations as the office job?
Replies: 63
Views: 3821

Re: Is a work-at-home job have the same expectations as the office job?

I keep reading on Bogleheads about how people with work-at-home jobs are able to get a lot done during the day that is not work related. Things like care for infants, do appointments, or take care of household chores like laundry, making dinner, and the like. My thought was that a normal job allows...
by JD2775
Tue Apr 09, 2019 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: How do 40 year olds decide what they can afford?
Replies: 85
Views: 10330

Re: How do 40 year olds decide what they can afford?

I am in a different boat than you are.... I didn't save in my 20's and barely saved in my early/mid 30's, and certainly didn't save in my teens. It was only in my late 30's that I woke up and began saving in earnest. As I have gotten older (44 now) I find I question purchasing things much much more ...
by JD2775
Tue Apr 09, 2019 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Notice to vacate/late rent
Replies: 59
Views: 6051

Re: Eviction notice

This is one of several reasons why I do not do automatic payments. automatic payments are great, when they work. If not I would be forced to drop off a check at the Property Management office 20 mins away every month, or mail in a check. Who the hell keeps stamps around these days. Why couldn't you...
by JD2775
Tue Apr 09, 2019 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Notice to vacate/late rent
Replies: 59
Views: 6051

Re: Eviction notice

UpperNwGuy wrote:
Tue Apr 09, 2019 7:21 pm
This is one of several reasons why I do not do automatic payments.
automatic payments are great, when they work. If not I would be forced to drop off a check at the Property Management office 20 mins away every month, or mail in a check. Who the hell keeps stamps around these days.
by JD2775
Tue Apr 09, 2019 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Notice to vacate/late rent
Replies: 59
Views: 6051

Re: Eviction notice

man that is harsh. I can't believe no one informed the tenants about the automatic payment change? I am guessing you aren't the only person in your complex who is facing this. Maybe they did this deliberately to get tenants out and up the rent?

Good luck
by JD2775
Tue Apr 09, 2019 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Is a work-at-home job have the same expectations as the office job?
Replies: 63
Views: 3821

Re: Is a work-at-home job have the same expectations as the office job?

With this job I rarely use vacation days, I just pack the laptop. I need to start doing this more. My job recently became working from home full time. A lot of my vacations are photography based where I am out early morning shooting sunrise and then out again for sunset. Why waste vacation days for...
by JD2775
Wed Apr 03, 2019 9:20 pm
Forum: Investing - Theory, News & General
Topic: Make sure your retirement investment plan includes being fired from your job in your 50s
Replies: 285
Views: 18346

Re: Make sure your retirement investment plan includes being fired from your job in your 50s

a lot of you guys are talking like you can just magically shift gears and plan to retire at 50-55 instead of 65. It's not always that easy. I am 44, working in Tech, and saving about 45% of my income and I still won't be comfortable until 60-65. Late starter unfortunately.
by JD2775
Sun Mar 17, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: How many companies have you worked for?
Replies: 125
Views: 7905

Re: How many companies have you worked for?

"companies"? That implies you have some career, rather than bouncing from odd job to odd job which is what I did in my 20's. I am 44 now, and have worked for the same Megacorp company the last 14 years. Prior to that it was bartending, waiting tables, working at golf courses etc...
by JD2775
Sat Mar 09, 2019 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: When were you able to max out your 401k, IRAs?
Replies: 69
Views: 5592

Re: When were you able to max out your 401k, IRAs?

First maxed out my ROTH about age 35, 401k not until I was 40.

Late starter here
by JD2775
Sun Mar 03, 2019 6:21 pm
Forum: Personal Investments
Topic: When does the power of compounding interest really kick in?
Replies: 53
Views: 6961

When does the power of compounding interest really kick in?

I am looking for a $ amount, if that's feasible. Was there a certain point that you noticed your investments really start to gain traction, from what you remember? I realize this may be difficult to answer as we have up and down years. Just curious. Currently at $350k. The jump from $200k to $300k w...
by JD2775
Tue Feb 26, 2019 11:22 am
Forum: Personal Finance (Not Investing)
Topic: On this Forum, is X% of Income Saved Pre-Tax or Post-Tax?
Replies: 95
Views: 6764

Re: On this Forum, is X% of Income Saved Pre-Tax or Post-Tax?

Stupid question...

Do you consider regular savings as part of your savings rate? i.e. if you put $500 a month into a Capital One Money Market account, do you count that? or do you just count investments? (pre and post tax)
by JD2775
Sun Feb 17, 2019 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Moved to new state/job 6M ago. Previous employer wants me back!
Replies: 57
Views: 5911

Re: Moved to new state/job 6M ago. Previous employer wants me back!

I don't understand this. The new job is mundane with poor future prospects. Why did you take this position/move in the first place?

i agree with the others though, you are there now. Stay put. At least until the kids are out of high school
by JD2775
Sun Feb 03, 2019 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in checking?
Replies: 135
Views: 11765

Re: How much do you keep in checking?

$0 Every penny is kept in my Cap1 money market. Near the end of the month, I determine how much I need to pay off my credit cards, and I transfer that money to my BoA account. Then I transfer enough into my checking to cover my mortgage and HOA autopays, which come out on the 1st. I don’t have a ch...
by JD2775
Fri Feb 01, 2019 10:11 am
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in checking?
Replies: 135
Views: 11765

Re: How much do you keep in checking?

I keep the bare minimum that I can which would cover that current month's expenses with a padding of $200-$300 left over just in case.
by JD2775
Tue Jan 29, 2019 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Using your HSA "correctly"
Replies: 13
Views: 1059

Re: Using your HSA "correctly"

Thanks everyone, good replies and helps me understand this better.
by JD2775
Tue Jan 29, 2019 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Using your HSA "correctly"
Replies: 13
Views: 1059

Using your HSA "correctly"

I rarely need to go to the Dr. *knock on wood*. My HSA has a minimum cash balance required of $1000, and I have the rest of it invested. Whenever I have a medical bill, I pay for it in cash or credit card (for the rewards points) but never use my HSA funds. Is it beneficial for me in any way to use ...
by JD2775
Mon Jan 21, 2019 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Possible Relocation to Portland, OR
Replies: 37
Views: 4839

Re: Possible Relocation to Portland, OR

I recently visited Portland for the first time (I live in the Bay Area, CA). Though it is much smaller than San Francisco, it is considerably cleaner and seems safer than San Francisco, from what I gathered. Also, the public transit there (TriMet) is FAR superior than the crap we are dealt here (BAR...
by JD2775
Mon Jan 14, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: Credit score dropped dramatically, while credit has been frozen
Replies: 36
Views: 2991

Re: Credit score dropped dramatically, while credit has been frozen

Closed Macy's CC account in 2018 2 year window since last non-credit card account was paid off/closed (car loan) hit in July 2018 Closing accounts would not negatively impact your score unless it negatively impacts your utilization ratio. Closed accounts continue to report for 10 years. Having a ba...