Search found 533 matches

by JD2775
Sun Jun 28, 2020 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Job offer in Bay area - things to consider?
Replies: 68
Views: 6548

Re: Job offer in Bay area - things to consider?

Lots of good advice above but I’ll just add.,,

All those “potential towns” you have listed would leave you with a nightmare commute to south SF, unless your work is close to a Bart station. I’d rethink that list
by JD2775
Thu Jun 18, 2020 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Capital One is at it again
Replies: 118
Views: 11041

Re: Capital One is at it again

Thank you for the alert. I agree that Capital One is sleazy in the sense that it is like pulling teeth simply to find out what interest rate all of my accounts are earning. They don't just show it to you in one consolidated view, and they don't show it to you on any screen by default. You have to g...
by JD2775
Wed Jun 17, 2020 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One is at it again
Replies: 118
Views: 11041

Capital One is at it again

Just noticed....MM account interest went from 1.3% to 0.8 %. I have been with them for a lonnnng time and hesitate to move anywhere, but this is kind of ridiculous. Seems like not too long ago it was 2.4%. Maybe this drop is standard though in these times, across all banks
by JD2775
Mon Jun 15, 2020 10:16 pm
Forum: Personal Consumer Issues
Topic: Replace my 4 Runner? Update on Repair Post 47
Replies: 62
Views: 3647

Re: I May Need to Replace my 2005 4 Runner :(

I'd cringe having to get rid of a 4Runner with only 180k miles on it :(

Good luck OP
by JD2775
Thu Jun 11, 2020 11:17 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19303
Views: 2679238

Re: U.S. stocks in free fall

Really dumb question but here goes... If I purchase VTSAX today, debited from my bank account (says it takes 2 days), do I get today's price? Or whenever it actually processes? Googled this and got my answer. Just purchased some VTSAX :sharebeer Was the answer that you get the close price for today...
by JD2775
Thu Jun 11, 2020 10:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19303
Views: 2679238

Re: U.S. stocks in free fall

JD2775 wrote:
Thu Jun 11, 2020 10:17 am
Really dumb question but here goes...

If I purchase VTSAX today, debited from my bank account (says it takes 2 days), do I get today's price? Or whenever it actually processes?
Googled this and got my answer. Just purchased some VTSAX :sharebeer
by JD2775
Thu Jun 11, 2020 10:17 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19303
Views: 2679238

Re: U.S. stocks in free fall

Really dumb question but here goes...

If I purchase VTSAX today, debited from my bank account (says it takes 2 days), do I get today's price? Or whenever it actually processes?
by JD2775
Tue Jun 09, 2020 3:00 pm
Forum: Personal Investments
Topic: percentage of portfolio in Roth?
Replies: 72
Views: 3537

Re: percentage of portfolio in Roth?

Here is my breakdown, no idea if this is "good" or "bad", it just is what it is...

401k 75%
HSA 4%
Roth IRA 14%
Taxable 7%
by JD2775
Tue Jun 09, 2020 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1621
Views: 411266

Re: Share your net worth progression

Small numbers compared to most on here, but here goes, all numbers approx..... Age 45 Age 29: $500 (basically didn't save at all in my 20's) Age 30: $5,000 (got my first "real job") Age 35: $50,000 Age 40: $160,000 Age 45 (current): $550,000 Started visiting this site and taking my savings more seri...
by JD2775
Tue Jun 09, 2020 10:30 am
Forum: Personal Finance (Not Investing)
Topic: [Finally Maxing 401K, Now What?]
Replies: 20
Views: 1115

Re: [Finally Maxing 401K, Now What?]

I'm surprised you don't aleady have a IRA/Roth IRA. I would look there first. Common wisdom around here is to contribute to 401k enough to get employer match first, then load IRA/Roth, then go back to 401k to max it out. https://www.bogleheads.org/wiki/Prioritizing_investments#Funding_priority Naiv...
by JD2775
Tue Jun 09, 2020 10:13 am
Forum: Personal Finance (Not Investing)
Topic: [Finally Maxing 401K, Now What?]
Replies: 20
Views: 1115

Re: [Finally Maxing 401K, Now What?]

I'm surprised you don't aleady have a IRA/Roth IRA. I would look there first. Common wisdom around here is to contribute to 401k enough to get employer match first, then load IRA/Roth, then go back to 401k to max it out.

https://www.bogleheads.org/wiki/Priorit ... g_priority
by JD2775
Sun Jun 07, 2020 11:24 am
Forum: Investing - Theory, News & General
Topic: Markets back near all time highs - how are you feeling and path forward ?
Replies: 238
Views: 21027

Re: Markets back near all time highs - how are you feeling and path forward ?

Feeling good. Just rebalanced, was at 77/23, moved back to 70/30 on Friday. No other moves the last few months aside from regular scheduled contributions
by JD2775
Fri Jun 05, 2020 3:13 pm
Forum: Personal Investments
Topic: Re-balancing question
Replies: 9
Views: 433

Re: Re-balancing question

The equities I bought in March are not at a loss. They have gains of over 31% as of this morning, so while you may not have such gains, I think you will certainly have some significant gains. If you cannot see those gains in your 401(k) account for the shares you bought back in March, then that wou...
by JD2775
Fri Jun 05, 2020 10:18 am
Forum: Personal Investments
Topic: Re-balancing question
Replies: 9
Views: 433

Re: Re-balancing question

Should I be able to pick the actual shares I want to move to Bonds? Hmmmm. Some people like a one-click "Rebalance" and some people don't. Some people like total control. Some people don't. Some people like exchange funds themselves. Some people don't. I am pretty sure your 401(k) would allow you t...
by JD2775
Fri Jun 05, 2020 10:13 am
Forum: Personal Investments
Topic: Re-balancing question
Replies: 9
Views: 433

Re: Re-balancing question

The equities I bought in March are not at a loss. They have gains of over 31% as of this morning, so while you may not have such gains, I think you will certainly have some significant gains. If you cannot see those gains in your 401(k) account for the shares you bought back in March, then that wou...
by JD2775
Fri Jun 05, 2020 9:50 am
Forum: Personal Investments
Topic: Re-balancing question
Replies: 9
Views: 433

Re: Re-balancing question

Got it. Thank you both!
by JD2775
Fri Jun 05, 2020 9:40 am
Forum: Personal Investments
Topic: Re-balancing question
Replies: 9
Views: 433

Re-balancing question

I have the following accounts: 401k HSA Roth Taxable My AA is 70/30, all index funds across all accounts, and all my Bonds are in the 401k. I re-balanced a little from Bonds to Stocks in late March to keep my AA in line, and now my AA is out of whack the other way, and I need to go from Stocks to Bo...
by JD2775
Wed Jun 03, 2020 12:25 am
Forum: Personal Finance (Not Investing)
Topic: Help me stop losing my mind over California HSA?
Replies: 30
Views: 2174

Re: Help me stop losing my mind over California HSA?

In CA too. I thought HSA earnings were not taxed. HSAs are not recognized by the Republic of California. Tax-wise, they're just another taxable account. At a minimum, there should be an adjustment on your California Schedule CA, adding back in the amount deducted from your federal taxes for your HS...
by JD2775
Tue Jun 02, 2020 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Help me stop losing my mind over California HSA?
Replies: 30
Views: 2174

Re: Help me stop losing my mind over California HSA?

Not to hijack but I'm totally confused...

In CA too. I thought HSA earnings were not taxed. Tax free growth, tax free withdrawal (if used for medical). Is that not the case? I have mine invested 100% in VFINX for what it's worth...
by JD2775
Sat May 30, 2020 12:31 am
Forum: Personal Investments
Topic: DraftKings?
Replies: 25
Views: 1886

Re: DraftKings?

The advice to visit /r/wallstreetbets seems to be coming from people who do not visit WSB. Let's review today's top threads. ... If you think that's a serious single stock advice forum, good luck to you, friend. you caught me there.... I don't take those [(removed) --admin LadyGeek] seriously. The ...
by JD2775
Fri May 29, 2020 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Am I spending too much on rent?
Replies: 13
Views: 1358

Re: Am I spending too much on rent?

For comparison my rent is $1600 (not including trash, utilities etc) in HCOL area (Bay Area, CA). I split the rent with my GF. Take home pay after maxing 401k/HSA is $5400. There is no way I would buy a house around here. Pretty happy only paying $1600/mo, I would even be happy paying 500-600 more ...
by JD2775
Fri May 29, 2020 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Am I spending too much on rent?
Replies: 13
Views: 1358

Re: Am I spending too much on rent?

For comparison my rent is $1600 (not including trash, utilities etc) in HCOL area (Bay Area, CA). I split the rent with my GF. Take home pay after maxing 401k/HSA is $5400. There is no way I would buy a house around here. Pretty happy only paying $1600/mo, I would even be happy paying 500-600 more a...
by JD2775
Thu May 28, 2020 1:49 pm
Forum: Personal Consumer Issues
Topic: The Pros and Cons of sitting on an iPhone 11 Pro
Replies: 41
Views: 3164

Re: The Pros and Cons of sitting on an iPhone 11 Pro

How could there possibly be any "pros" to sitting on your phone? :D
by JD2775
Thu May 28, 2020 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Is Capital One 360 bank account OK?
Replies: 35
Views: 2291

Re: Is Capital One 360 bank account OK?

Cap One 360 had > 2.0 % a while back and then it steadily slid down to the current 1.3%. You don't realize this is happening unless you check it yourself. I get the feeling this slide down is standard though right now across banks. No real complaints here though, transferring to/from my BofA checkin...
by JD2775
Wed May 27, 2020 9:35 am
Forum: Personal Finance (Not Investing)
Topic: 1:1 salary and stock jobs?
Replies: 80
Views: 5558

Re: 1:1 salary and stock jobs?

Here are the midpoint base salaries for my SF based tech company. Sr. Analyst: 100k Manager: 145k Sr. Manager: 180k Director: 220k Sr. Director: 260k On top of this, software engineers are granted shares worth 300 - 400% of their base salary when they join, vesting over four years. With stock appre...
by JD2775
Wed May 27, 2020 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Simple jobs during FATFire?
Replies: 152
Views: 10355

Re: Simple jobs during FATFire?

FIRE, FATFire, Barista FIRE, Morbidly Obese FIRE.....

Don't people just "retire" anymore?
by JD2775
Tue May 26, 2020 11:55 pm
Forum: Personal Consumer Issues
Topic: HBO Max
Replies: 38
Views: 2991

Re: HBO Max

I havent seen Game of Thrones either. Do you think this HMO Max 12/m worth it to watch GOT ? Which AMex card offer streaming credits ? I subscribed yesterday. It will be free for me until the end of the year courtesy of the American Express $20 streaming credit. We already have Prime and Netflix, b...
by JD2775
Tue May 26, 2020 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: 1:1 salary and stock jobs?
Replies: 80
Views: 5558

Re: 1:1 salary and stock jobs?

Here are the midpoint base salaries for my SF based tech company. Sr. Analyst: 100k Manager: 145k Sr. Manager: 180k Director: 220k Sr. Director: 260k On top of this, software engineers are granted shares worth 300 - 400% of their base salary when they join, vesting over four years. With stock appre...
by JD2775
Mon May 25, 2020 11:57 am
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 94
Views: 8740

Re: Anyone screwed up timing the market?

I re-balanced from bonds to stocks towards the bottom to keep in line with my 70/30 AA (it had drifted to 64/36) , but then the market shot back up so I am not sure it was the right move or not.
by JD2775
Sun May 24, 2020 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: New here, need help with creating a nest egg for my autistic son
Replies: 19
Views: 1690

Re: New here, need help with creating a nest egg for my autistic son

$500k savings for retirement is more than most people in this country have saved at your age. Don’t beat yourself up over it, but I understand your situation is unique. Lots of good advice here in this thread, wish you the best!
by JD2775
Sat May 23, 2020 12:13 am
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 370
Views: 31332

Re: The axe falls and I am prepared. What's next?

This almost seems cruel to me. You are the one person on this board who is constantly reminding people how important it is to be prepared financially for these exact situations, and then it turns around and knocks on your front door. Sorry to hear this KlangFool, but if anyone on this board is prepa...
by JD2775
Thu May 21, 2020 9:22 am
Forum: Personal Finance (Not Investing)
Topic: I wrote an app, now should i form a business?
Replies: 21
Views: 2268

Re: I wrote an app, now should i form a business?

You learned to code and developed an app in 2 months? Kudos :sharebeer
by JD2775
Wed May 20, 2020 10:38 pm
Forum: Investing - Theory, News & General
Topic: NYT: "Vintage year" effect of graduating into a recession
Replies: 20
Views: 2017

Re: NYT: "Vintage year" effect of graduating into a recession

When I finished my bachelor's degree, the economy wasn't great, so I just went ahead and got my master's. And it was there that I decided that I wanted to get my Ph.D. I graduated back in 2009, but the job market for academics was surprisingly strong. As I've noted in another thread, I fully expect...
by JD2775
Wed May 20, 2020 10:26 pm
Forum: Investing - Theory, News & General
Topic: NYT: "Vintage year" effect of graduating into a recession
Replies: 20
Views: 2017

Re: NYT: "Vintage year" effect of graduating into a recession

I graduated college in 2007 knowing that recession was looming and chose to attend medical school partially on my belief that the job market would not be good for several years. When I finished my bachelor's degree, the economy wasn't great, so I just went ahead and got my master's. And it was ther...
by JD2775
Wed May 20, 2020 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Employer cut 403b contribution to zero
Replies: 86
Views: 6147

Re: Employer cut 403b contribution to zero

Sorry to hear that.....I am just waiting for this to happen at my MegaCorp. I am anticipating 1 of 3 things happening in the next few months... A. Layoffs B. 401k matching pulled (currently at 9%, so pretty good) C. Salary decrease The 3rd one is unlikely I would think, I am guessing either A or B w...
by JD2775
Tue May 19, 2020 7:51 pm
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6472

Re: WFW (Work from Wherever)

manatee, i enjoy your thinking and enthusiasm on this. we are going to give wfw (newly coined acronym) a shot. i'm also glad you posted this thread, it's helped focus my family's direction. that said, ease off the gas here. gufomel is just bringing perspective from experience. that is what this sit...
by JD2775
Tue May 19, 2020 9:33 am
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 541
Views: 45050

Re: College in fall

https://www.nytimes.com/2020/05/18/us/notre-dame-reopening-coronavirus.html It looks like Norte Dame is opening up for fall on August 10 for the fall semester, they are moving the start date up two weeks in order to finish the semester by thanksgiving. This seems a little short sided on decision ma...
by JD2775
Mon May 18, 2020 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: How did you determine your target savings rate?
Replies: 109
Views: 4835

Re: How did you determine your target savings rate?

I save what I don’t spend. Not the other way around. Your mileage may vary. So you spend first and only save what's left? I hope that works out well for you. It doesn't work out well at all for most who use that approach. It's more common than you think. I max out all tax advantaged account, spend ...
by JD2775
Mon May 18, 2020 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: How did you determine your target savings rate?
Replies: 109
Views: 4835

Re: How did you determine your target savings rate?

ship_at_sea wrote:
Mon May 18, 2020 5:53 pm
JD2775 wrote:
Mon May 18, 2020 5:48 pm
Not really related I guess, but how are you contributing 7k a year to your HSA account as a single person?
Our kids are covered by my HDHP, so even though I'm single, it's still a family plan and the family limit applies.
ah, gotcha :sharebeer
by JD2775
Mon May 18, 2020 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: How did you determine your target savings rate?
Replies: 109
Views: 4835

Re: How did you determine your target savings rate?

Not really related I guess, but how are you contributing 7k a year to your HSA account as a single person?
by JD2775
Sun May 17, 2020 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a boat during pandemic – am I CRAZY?
Replies: 80
Views: 5685

Re: Thinking of buying a boat during pandemic – am I CRAZY?

aaronjb_ME wrote:
Sat May 16, 2020 5:56 pm
Is this a net worth/asset humblebrag disguised as a question about a luxury purchase that it's clear you can, without doing any math at all, afford?
That would actually be pretty funny. I don’t think the OP meant it in that way, but it would be funny if they did
by JD2775
Fri May 15, 2020 3:44 pm
Forum: Personal Investments
Topic: What NOW!! [Portfolio help]
Replies: 38
Views: 2338

Re: What NOW!! [Portfolio help]

Your 9 million in a money market account is still better than my $425k in 70/30 AA retirement accounts. Look at the bright side.

No need to panic
by JD2775
Wed May 13, 2020 10:14 am
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13622

Re: Will "work from home" destroy the commercial real estate market?

When we were living in the living room (sleeping and eating etc) & the kitchen (whilst an additional storey was added to the house, for 3 months we had no roof), my wife's work required telecalls with clients, typically in the Far East, typically around 7 AM (this is from London, so 8 hours behind ...
by JD2775
Wed May 13, 2020 9:51 am
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6472

Re: WFW (Work from Wherever)

Don't forget about the timezone differences. If your work expects you to be available during their regular hours you are going to be working some pretty late hours if you are overseas. Doesn't really seem worth it to me. Maybe try a cpl places in the US if you want to explore
by JD2775
Thu May 07, 2020 12:57 pm
Forum: Investing - Theory, News & General
Topic: A Risk-Tolerance Question
Replies: 50
Views: 2575

Re: A Risk-Tolerance Question

Being in the accumulation phase I would do everything I can to NOT sell stocks, so probably the first thing I would do is change all future contributions to bonds (or a bigger % of bonds than normal) to help get it back on track over time. Stuff like that, but definitely not sell.
by JD2775
Mon May 04, 2020 4:51 pm
Forum: Investing - Theory, News & General
Topic: Who is your all time favorite investor and why?
Replies: 52
Views: 2847

Re: Who is your all time favorite investor and why?

If investors came in trading cards, would you buy them? Imagine the Topps/Fleer/Donruss possibilities....
by JD2775
Tue Apr 28, 2020 3:43 pm
Forum: Investing - Theory, News & General
Topic: Anyone wish they would have invested more during recent downturn?
Replies: 124
Views: 11204

Re: Anyone wish they would have invested more during recent downturn?

I usually contribute monthly but since mid-March have been buying VTSAX in $2.5K increments every week or so regardless of whether things seem to be trending up or down, have about $15K added so far. I also added a big chunk ($25K) in mid-February, which was painful in hindsight - chalk that up to ...
by JD2775
Tue Apr 28, 2020 12:12 am
Forum: Personal Investments
Topic: Need some direction.
Replies: 14
Views: 771

Re: Need some direction.

They actually have gold bars? I thought that was just in the movies
by JD2775
Fri Apr 24, 2020 7:11 pm
Forum: Personal Investments
Topic: Poor Publix employee seeking 401k investment advice
Replies: 169
Views: 11542

Re: Poor Publix employee seeking 401k investment advice

i would encourage you to consider looking into educational options you might be interested in such as technical school/training, a community college, etc. your post is very well laid out and very thoughtful. i think you are selling yourself short in thinking you don't have other options. if you don...
by JD2775
Mon Apr 20, 2020 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Helping deciding if i should purchase a truck
Replies: 26
Views: 1671

Re: Helping deciding if i should purchase a truck

one I have looked like an example is 2013 f150 at $22k with 100k miles one owner. You have not stated why you need a truck. You can buy a brand new Toyota Corolla for about $15k. It will give you reliable transportation for many years and better gas mileage too. Meh, a large number of people who ha...