Search found 119 matches

by JeepDaze
Sun May 19, 2019 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE - What am I missing in the News Stories
Replies: 223
Views: 15069

Re: FIRE - What am I missing in the News Stories

I guess they think there isn't any stress in low paying jobs but I would argue quite the reverse. Oddly, it seems low paying jobs frequently have lots of stress. It seems they need a class in stress management not a new job bagging groceries. I am confused. :shock: :shock: Low paying jobs are stres...
by JeepDaze
Thu May 09, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: Replacement Window shopping advice
Replies: 20
Views: 1555

Re: Replacement Window shopping advice

I live in the same area as you (Northern Va). The prices seem fair to me. I just had a Renewal by Andersen consultant in my house yesterday. I have 37 windows in a three story townhouse. Total price after discounts came in at $76,000!!! >$2k per window on average. I've read great reviews about Windo...
by JeepDaze
Sun Mar 24, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: What golf ball do you use?
Replies: 40
Views: 2198

Re: What golf ball do you use?

The cheapest possible since I lose probably 10 per round
by JeepDaze
Thu Feb 14, 2019 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Why efile if you owe?
Replies: 47
Views: 4500

Re: Why efile if you owe?

Just ran some rough numbers on my taxes. I will owe a low 5 figure amount which is atypical and results from a confluence of events and not just the tax cuts. My question for people who end owing every year is: Any advantage of efiling the return when I owe? My return and the associated capital gai...
by JeepDaze
Sun Feb 03, 2019 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Building a house in rural mountains
Replies: 70
Views: 7316

Re: Building a house in rural mountains

Has anyone built on a large amount of rural, mountain acreage? I found a lot I like and would build a modest home. I would need to consider things like septic, well water, electricity, barn for horses, snowcat etc etc Has anyone successfully done this from scratch? (ie empty land -> developed house...
by JeepDaze
Fri Dec 28, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2577

Re: Why do people buy- performance cars?

For me, it's not just about how fast the car can go. Mine has a speedometer that tops out at 200 MPH. I clearly will not go that fast on an open public road. A bigger part of the thrill is when I step into my car in the morning, turn the ignition on and hear that 6.2 liter naturally aspirated V8 exp...
by JeepDaze
Thu Dec 20, 2018 3:35 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 255
Views: 24611

Re: Whose buying today? where's all the "dry powder" folks at? :)

I buy VTSAX twice per month, when my paycheck hits my checking account. Then I check my rebalancing bands to see if I need to move from stocks -> bonds or vice versa, and rebalance in my 401k (that's where I keep all my bond holdings and my international stock holdings). Next purchase will be ~12/31...
by JeepDaze
Sun Dec 16, 2018 3:19 pm
Forum: Investing - Theory, News & General
Topic: Which asset class is down the most for you?
Replies: 26
Views: 2414

Re: Which asset class is down the most for you?

International stock fund (BlackRock exUS Fund). Down 10% or so.
by JeepDaze
Tue Dec 11, 2018 8:33 pm
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 249
Views: 21658

Re: What Happened to you during the Financial crisis of 2007–2008

I was early 30s then. Didn't look at at my 401k for 2 years and left it on auto pilot. Glad I did.
by JeepDaze
Thu Nov 01, 2018 8:18 pm
Forum: Investing - Theory, News & General
Topic: 2019 Retirement Contribution Limits Announced
Replies: 54
Views: 7626

Re: 2019 Retirement Contribution Limits Announced

Thank you LadyGeek. I didn't see the existing thread, my fault.
by JeepDaze
Thu Nov 01, 2018 8:10 pm
Forum: Investing - Theory, News & General
Topic: 2019 Retirement Contribution Limits Announced
Replies: 54
Views: 7626

401K and IRA Contribution Limits Increased for 2019

The Internal Revenue Service on Thursday unveiled the cost-of-living adjustments for pension plans and other retirement items for the 2019 tax year, including the first increase to the contribution limit for the Individual Retirement Arrangement in six years. The limit on annual contributions to an ...
by JeepDaze
Fri Sep 28, 2018 12:12 pm
Forum: Personal Investments
Topic: Average "Recordkeeping Services" fee for 401(k)
Replies: 11
Views: 1082

Re: Average "Recordkeeping Services" fee for 401(k)

$8.00 Recordkeeping Fee
$3.25 Account Management Fee

Per Quarter
by JeepDaze
Wed Aug 22, 2018 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance - again
Replies: 49
Views: 4632

Re: Umbrella insurance - again

Theseus wrote:
Wed Aug 22, 2018 11:02 am
I know this has been asked before. But wanted to see if this quote makes sense from All State.

$1 million for $338
$2 million for $592

Does this sound reasonable quote? I am inclined to take $2 million.
$5M from Geico for $580/year. But I'm single with no kids.
by JeepDaze
Sat Aug 18, 2018 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 99
Views: 5335

Re: Your major and investing/finance?

B.S. Applied Mathematics
Masters in Information Management
by JeepDaze
Sat Jan 27, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: How to choose a college
Replies: 67
Views: 3782

Re: How yo choose a college

My daughter is of the age that she is receiving material in the mail from colleges. What are good resources for looking at colleges? I see U.S. News, Forbes, WSJ all lost some sort of a ranking system. There is a site called niche that ranks schools. Are these good ways to judge a college? What els...
by JeepDaze
Sat Jan 20, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Are Retirement Accounts Protected from Lawsuits in Virginia?
Replies: 3
Views: 668

Re: Are Retirement Accounts Protected from Lawsuits in Virginia?

Maybe this thread is helpful: https://www.bogleheads.org/forum/viewtopic.php?t=134808 I do know the issue in general is lack of exemption from liability not in bankruptcy for IRAs. It is difficult to find data that is specific to those two conditions (IRA, not bankruptcy). Generally in bankruptcy r...
by JeepDaze
Sat Jan 20, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Are Retirement Accounts Protected from Lawsuits in Virginia?
Replies: 3
Views: 668

Are Retirement Accounts Protected from Lawsuits in Virginia?

I apologize if this topic has been covered already (I did a search and did not find anything). I can't seem to find a definitive source to answer this question. If I am sued, are my 401K and Roth IRA accounts protected from liability? I live in Virginia. This question popped up in my head as I was r...
by JeepDaze
Thu Jan 04, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing 2018 Taxes
Replies: 19
Views: 2658

Re: Reducing 2018 Taxes

Charitable contributions?
by JeepDaze
Sat Dec 30, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: How can you calculate your own tax liability?
Replies: 7
Views: 1313

Re: How can you calculate your own tax liability?

I use an app called "TaxCaster" which works pretty well.
by JeepDaze
Sun Dec 24, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 15615

Re: European Cities that don't interest you

Moskova, Russia
by JeepDaze
Thu Oct 26, 2017 9:43 am
Forum: Personal Investments
Topic: How to generally tell how much your mutual fund investments grew in value excluding direct contribution?
Replies: 8
Views: 1321

Re: How to generally tell how much your mutual fund investments grew in value excluding direct contribution?

I've been trying to figure this out on the major providers schwab,fidelity, vanguard. If I contributed $2000 per month at the end of the year I contributed $24000. Maybe I bought and sold shares etc. and the market value increased and the current value is $30000. I want to see how to tell that the ...
by JeepDaze
Mon Oct 23, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: new 401(k) limits announced
Replies: 88
Views: 15332

Re: new 401(k) limits announced

Why couldn't they just make it $18,600 instead? That would be nice and divisible by 24 (or 12) for payroll contribution. At the current limit, it's an easy $750 bi-monthly ($1500 monthly) to max out. For 2018, it will be $770.83333 bi-monthly ($1541.66667 monthly). Hitting the exact limit just got ...
by JeepDaze
Mon Sep 18, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 63
Views: 8647

Re: Memory Foam Mattress Recomendations

I'm in the market for a good, quality memory foam mattress. I've decided that I don't sleep well on latex (even the softest ILD's are too firm for me), so I'd like a more traditional memory foam feel to hep alleviate pressure points. I am pretty lightweight at 140lbs with broad shoulders, which is ...
by JeepDaze
Mon Sep 18, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Temporary lift for Equifax freeze was free
Replies: 11
Views: 1196

Re: Temporary lift for Equifax freeze was free

I think Equifax has temporarily stopped charging for any freezes as well. If I had the patience I'd call and see if I could get what I paid them back. I got a refund on my cc. Not me. I put the freeze on Friday 9/8 (day after the event). I think they started reversing charges for folks that froze a...
by JeepDaze
Mon Sep 18, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Temporary lift for Equifax freeze was free
Replies: 11
Views: 1196

Re: Temporary lift for Equifax freeze was free

DaftInvestor wrote:
Mon Sep 18, 2017 3:20 pm
I think Equifax has temporarily stopped charging for any freezes as well.
If I had the patience I'd call and see if I could get what I paid them back.
I got a refund on my cc.
by JeepDaze
Mon Sep 18, 2017 9:57 am
Forum: Personal Investments
Topic: math on determining rebalancing bands?
Replies: 6
Views: 701

Re: math on determining rebalancing bands?

I go with the 5/25 rule. Minimum of 5% absolute or 25% relative.
by JeepDaze
Wed Sep 13, 2017 8:53 pm
Forum: Personal Investments
Topic: What is the largest percentage of your total portfolio value that you have exchanged to rebalance?
Replies: 58
Views: 5557

Re: What is the largest percentage of your total portfolio value that you have exchanged to rebalance?

I'm currently 84/16 stock/bond. My target is 80/20. I'll contemplate rebalancing if I hit 85/25.
by JeepDaze
Wed Sep 13, 2017 9:55 am
Forum: Personal Investments
Topic: How often do you put money in Vanguard
Replies: 55
Views: 5946

Re: How often do you put money in Vanguard

Grt2bOutdoors wrote:
Wed Sep 13, 2017 9:44 am
JeepDaze wrote:
Wed Sep 13, 2017 9:25 am
Twice a month (15th of the month, end of the month).
Thanks for letting me know, I'll be sure to buy ahead of you. :twisted:
Ready, set, GO! :P
by JeepDaze
Wed Sep 13, 2017 9:25 am
Forum: Personal Investments
Topic: How often do you put money in Vanguard
Replies: 55
Views: 5946

Re: How often do you put money in Vanguard

Twice a month (15th of the month, end of the month).
by JeepDaze
Mon Sep 11, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Feeling guilty for buying a new iPad pro
Replies: 30
Views: 3239

Re: Feeling guilty for buying a new iPad pro

DrGoogle2017 wrote:
Mon Sep 11, 2017 2:15 pm
Short answer is no. I have a few iPads, none have problem yet. But I went ahead and bought another one for the better camera. Maybe I'm not a full blown BH.
Wouldn't necessarily say "not a full blown BH". "Not a full blown Mustachian"? Yes, agree.
by JeepDaze
Sat Sep 09, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 70650

Re: Equifax customer information leak

I tried Trans Union online....It was unable to verify my identify.... Ditto!! And now I'm sitting here with all the pins and other info for each of the credit agencies wondering where to put them where they won't get stolen or lost. I feel less secure than before!! :annoyed Keeping the info in a fi...
by JeepDaze
Fri Sep 08, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 70650

Re: Equifax says info stolen. What's my best course of action?

I am worried about this stuff but don't see any significant or change in risk to my $$ accounts. Please tell me if I am wrong. All my on line account use special user names and passwords that are different than my SSN number and my name. So how can the Equifax thieves use the data they got to hack ...
by JeepDaze
Wed Aug 30, 2017 4:39 pm
Forum: Personal Investments
Topic: Restricted Stock Units...Profit?
Replies: 23
Views: 2666

Re: Restricted Stock Units...Profit?

Hello everyone, Recently, I FINALLY found out that I will be receiving Restricted Stock Units after TWO YEARS of hearing my coworkers gloat about theirs, lol. I've been with my employer for three years but full-time for two years. I was supposed to receive the RSUs in August 2015 when I first went ...
by JeepDaze
Fri Jul 28, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate: gross or net?
Replies: 68
Views: 10648

Re: Savings rate: gross or net?

Hey everyone! I posted this in the other thread about each one's personall savings rate but since it was a relatively different subject, I'll (re)post the question here: " Save 10% and you'll be fine Save 20% and you'll thrive Save 30% and you'll be wealthy Sounds awesome! :D One major doubt I have...
by JeepDaze
Thu Jul 20, 2017 12:08 pm
Forum: Personal Investments
Topic: ISO (incentive stock option) exercise
Replies: 7
Views: 744

Re: ISO (incentive stick option) exercise

I have been granted some ISOs by my employer over the years. The earliest are fully vested. The strike price for new ISOs has doubled or more compared to the first ones. If I exercised all of my vested options it'd cost me mid to high 4-figures, so not a huge chunk of net worth and not breaking my ...
by JeepDaze
Wed Jul 19, 2017 3:42 pm
Forum: Personal Investments
Topic: How do I contribute to a traditional IRA, literally?
Replies: 15
Views: 1756

Re: How do I contribute to a traditional IRA, literally?

Hello! I am very new to investing and retirement funds. I just started a new job and rolled over my old employer's 401- k into a traditional IRA through Vanguard. The question is, how do I contribute to the IRA? I know the maximum per year is $5500, and that it is pre tax money. But, how is it done...
by JeepDaze
Fri Jun 02, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: New Milestone
Replies: 44
Views: 6066

Re: New Milestone

AmericaFirst wrote:Congratulations! Are you including an inflated Zestimate for your house?
Yes :(
by JeepDaze
Fri Jun 02, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: New Milestone
Replies: 44
Views: 6066

New Milestone

So, I just peaked at my Personal Capital account summary, and noticed an extra comma on my net worth total :-) Just crossed over into the two comma club. Turned 40 years old in May. This was a goal of mine to hit two commas by age 40. Don't mean to be bragadocious, just wanted to let out my exciteme...
by JeepDaze
Fri May 19, 2017 12:51 pm
Forum: Personal Investments
Topic: Edward Jones vs Vanguard self managed
Replies: 29
Views: 5697

Re: Edward Jones vs Vanguard self managed

I just got off the phone with my Edward Jones guy who told me the 1.44 % fee I am being charged is worth it because my account is continuously being re-balanced and that the return thus far for the year is 5.39 %. So according to him he is providing me with a well worth it service. He also told me ...
by JeepDaze
Thu Apr 27, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Phone For Japan?
Replies: 16
Views: 2180

Re: Phone For Japan?

I have Verizon Wireless as well. When I traveled to Europe last year, I activated an International Use as You Go plan. Essentially, it charges $10/day if you use any data or voice when you are roaming outside the U.S. If you don't use your phone for one day, you don't get charged anything. You can l...
by JeepDaze
Wed Apr 05, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Age Scenarios (What looks best)?
Replies: 17
Views: 2120

Re: Retirement Age Scenarios (What looks best)?

I agree with you. The first scenario is kind of "pie in the sky" fun to talk about hypothetical. I'm hoping to be able to "retire" (become FI) by the time I hit 50 years old (knock on wood that I am in good health). I'm assuming a 4% annual return in my model for all scenarios. What jumps out at me ...
by JeepDaze
Wed Apr 05, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Age Scenarios (What looks best)?
Replies: 17
Views: 2120

Re: Retirement Age Scenarios (What looks best)?

If I redirect the $55k per year taxable account funds toward the mortgage instead, I would have a paid off house and my total balance (including pension) at age 48 would be $1.5M. $1.8M @ age 50 $2.9M @ age 55 $4.3M @ age 60 Current mortgage balance is ~ $363k Yes, I add to all my accounts. I max ou...
by JeepDaze
Wed Apr 05, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Age Scenarios (What looks best)?
Replies: 17
Views: 2120

Re: Retirement Age Scenarios (What looks best)?

I used a 4% expected return assumption to generate future estimated returns. You could view that as a real rate of return as I view that to be a somewhat conservative rate of return. I could bump it up to 7% and have much higher estimates than shown in my 4 scenarios. Are your future figures stated ...
by JeepDaze
Wed Apr 05, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Age Scenarios (What looks best)?
Replies: 17
Views: 2120

Re: Retirement Age Scenarios (What looks best)?

Good point on healthcare. My employer offers COBRA and retiree health coverage. I would hope that health insurance would be more affordable given these benefits, but I would have do more research on my company's HR page to figure out expected costs. At age 50, assuming a 3% SWR, you need a $1,716,00...