Search found 93 matches

by JeepDaze
Mon Sep 18, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 51
Views: 4451

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: 862

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: 862

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: Investing - Help with Personal Investments
Topic: math on determining rebalancing bands?
Replies: 6
Views: 460

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 9:55 am
Forum: Investing - Help with Personal Investments
Topic: How often do you put money in Vanguard
Replies: 55
Views: 4272

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: Investing - Help with Personal Investments
Topic: How often do you put money in Vanguard
Replies: 55
Views: 4272

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: 2391

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: 47184

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: 47184

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: Investing - Help with Personal Investments
Topic: Restricted Stock Units...Profit?
Replies: 23
Views: 1823

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: 56
Views: 3387

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: Investing - Help with Personal Investments
Topic: ISO (incentive stock option) exercise
Replies: 7
Views: 454

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: Investing - Help with Personal Investments
Topic: How do I contribute to a traditional IRA, literally?
Replies: 15
Views: 1105

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: 4805

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: 4805

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: Investing - Help with Personal Investments
Topic: Edward Jones vs Vanguard self managed
Replies: 29
Views: 2548

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: 1229

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: 1556

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. W...
by JeepDaze
Wed Apr 05, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Age Scenarios (What looks best)?
Replies: 17
Views: 1556

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: 1556

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: 1556

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...
by JeepDaze
Wed Apr 05, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Age Scenarios (What looks best)?
Replies: 17
Views: 1556

Re: Retirement Age Scenarios (What looks best)?

I guess that could be an option, but I'd be very hesitant to do that. My job is not bad. A bit too stressful, but manageable. The thought of losing out on the potential extra $$ from Scenarios 2 - 4 scares me. Hence my trepidation to go with Scenario 1. Just an idea, but could you semi-retire at age...
by JeepDaze
Wed Apr 05, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Age Scenarios (What looks best)?
Replies: 17
Views: 1556

Re: Retirement Age Scenarios (What looks best)?

Current mortgage balance is ~ $363k Yes, I add to all my accounts. I max out 401k, get a 2.5% company match. I max out Roth (back-door). My current projections have me adding ~$55k per year to my taxable account. The scenarios I posted include these additional contributions. What is your current mor...
by JeepDaze
Wed Apr 05, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Age Scenarios (What looks best)?
Replies: 17
Views: 1556

Retirement Age Scenarios (What looks best)?

Just for fun, I am running some numbers through my retirement account spreadsheet and have come up with the 4 scenarios below. I tend to lean towards the age 55 scenario since that's when I will likely pay off the mortgage on my current home. I am 39 years old now. Although I am not against moving a...
by JeepDaze
Mon Apr 03, 2017 4:48 pm
Forum: Investing - Theory, News & General
Topic: average annual return 3 fund portfolio
Replies: 12
Views: 1633

Re: average annual return 3 fund portfolio

Is it 6.03% before or after advisor fees? Dear Bogleheads - I was on the forum for quite a while trying to decide whether to stick with my advisor or make a change. I made the decision to stay put as he does do quite a lot of other services for us. Now I am in the quandary state again. Not good. He ...
by JeepDaze
Mon Apr 03, 2017 9:47 am
Forum: Investing - Theory, News & General
Topic: 100% stocks in ROTH?
Replies: 27
Views: 2024

Re: 100% stocks in ROTH?

This is what I do as well. I have three accounts (401k through work, Roth IRA and Taxable accounts at Vanguard). I have all my bond and international stock allocation in my 401k. My Vanguard accounts are 100% VTSAX. Simplifies re-balancing and allows more aggressive growth in my Roth IRA account. Th...
by JeepDaze
Sat Apr 01, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 613
Views: 92412

Re: High Earners - What's Your Profession?

Director in Big 4 Accounting firm. Been at the same firm for 15+ years.
by JeepDaze
Sun Mar 19, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA reality check
Replies: 5
Views: 679

Re: Backdoor Roth IRA reality check

There is no maximum conversion amount. You can convert a million dollars if you have it. Remember, there is NO backdoor Roth in the IRS regulations. There are only contribution and conversion regulations. You could contribute for ten years and convert all at once if you wanted, and many did when th...
by JeepDaze
Sat Mar 11, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank Replacement
Replies: 65
Views: 6255

Re: Ally Bank Replacement

HueyLD wrote:
JeepDaze wrote:Redneck Bank?

Is this a joke? Do you have to be one to join?


No joke. I had to look at their website 10 times to make sure.
by JeepDaze
Sat Mar 11, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank Replacement
Replies: 65
Views: 6255

Re: Ally Bank Replacement

Once again, for maybe the fourth or fifth time in the past year, Ally Bank's website is unavailable. A call to them only got an apology and "We're doing updates." I do my banking on Saturday mornings and this is getting ridiculous. Capital One, when I was with them, was more reliable. Can...
by JeepDaze
Fri Mar 10, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 12710

Re: What to do with all these passwords ?

sixtyforty wrote:How are you managing all your passwords ? Are you using 1Password ? Something else ? I was thinking of creating a spreadsheet on OneDrive to contain all my passwords, but not sure how secure that is. Ideas ?


I use KeePass
by JeepDaze
Sun Jan 22, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: Roto-molded cooler suggestions, like Yeti
Replies: 20
Views: 2437

Re: Roto-molded cooler suggestions, like Yeti

If you are planning on putting a Yeti-like cooler in a truck bed, you should really bolt it down and secure it. These types of coolers are thief magnets.
by JeepDaze
Mon Jan 16, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Have GEICO auto, asked for quote online, $150 less
Replies: 30
Views: 4032

Re: Have GEICO auto, asked for quote online, $150 less

I just switched from Progressive to Geico for auto insurance. Geico cut my 6 month premium by 77%!!!! I had to call them to make sure it was a legit price (it was).
by JeepDaze
Sat Jan 14, 2017 11:36 am
Forum: Investing - Theory, News & General
Topic: Shouldn't everyone do a traditional IRA/401k instead of a Roth?
Replies: 132
Views: 8803

Re: Shouldn't everyone do a traditional IRA/401k instead of a Roth?

What about someone whose income is too high to benefit from a tIRA tax deduction?

JustinR wrote:Who would have more income as a retiree than when they're working?
by JeepDaze
Mon Jan 09, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Predicting future Net Worth
Replies: 31
Views: 4726

Re: Predicting future Net Worth

I split out each of my retirement accounts in Excel (separate columns): 401k, Taxable, IRA, Pension I have a starting point at the top of each column (current value). For each account, I have separate columns for annual contributions, company match and expected return (I currently use 5% annual). I ...
by JeepDaze
Sun Jan 08, 2017 11:18 am
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 31842

Re: Whats your number to walk away?

Probably around $4m at 55 years old (I'm currently 39 yo). I'm currently at around $620k in retirement accounts. $355k (401k) $106k (Taxable) $67k (Roth IRA) $92k (Fully vested Pension) Assuming fully maxing 401k and Roth IRA (backdoor) each year, with a 5% assumed return, I should hit $4.2m by 55 y...
by JeepDaze
Fri Jan 06, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: What monetary value has your education provided you?
Replies: 107
Views: 6869

Re: What monetary value has your education provided you?

My current year annual salary is 15x the total cost of my 4 year undergraduate degree. However, I did get a Masters degree that my employer paid for, so that definitely adds to multiplier. However, I would have never gotten my job if I didn't get my undergraduate degree, so I add that benefit to the...
by JeepDaze
Thu Jan 05, 2017 2:33 pm
Forum: Investing - Theory, News & General
Topic: What is your age, asset allocation and total return year to date?
Replies: 15
Views: 1477

Re: What is your age, asset allocation and total return year to date?

Age: 39 years old (single)

AA: 80/20

Total Return 2016: +9.8%
by JeepDaze
Mon Jan 02, 2017 12:39 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1527
Views: 271153

Re: What are you up YTD? [Year To Date]

401k: +8.50% Vanguard: +12.66% 401k: Total Allocation: 73/27 Stock/Bond Stock Allocation: 69/31 US/Intl Vanguard: Total Allocation: 100/0 Stock/Bond Stock Allocation: 100/0 US/Intl Combined Accounts: Total Allocation: 80/20 Stock/Bond Stock Allocation: 80/20 US/Intl 401k = 68% of total balance Vangu...
by JeepDaze
Tue Dec 27, 2016 11:52 am
Forum: Personal Consumer Issues
Topic: Streaming Device w/ Google Play & Amazon Video
Replies: 15
Views: 1563

Re: Streaming Device w/ Google Play & Amazon Video

I have Chromecast also. The way I cast Amazon Prime is I first cast my entire screen (go to Google Home, and select "Cast Screen" from the drop down box on the right side). Then you can open Amazon Prime and it will cast the entire screen. Looks pretty good when I do it. I'm currently in t...
by JeepDaze
Tue Dec 27, 2016 11:48 am
Forum: Investing - Theory, News & General
Topic: What is your Rebalancing Band (3+ funds)?
Replies: 9
Views: 1220

Re: What is your Rebalancing Band (3+ funds)?

Min(5% absolute , 25% relative) for any of my targeted allocation percentages. Example: I'm 80/20 stocks/bonds. So I use +/- 5% absolute for my stock allocation (since +/- 5% is less than +/- 20%). 20% being 25% of 80%. I think that we have all aware of what a rebalancing band is and what it is used...
by JeepDaze
Sat Dec 24, 2016 3:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You.
Replies: 98
Views: 8662

Re: My Christmas Gift to You.

Thank you Mr. Larimore, It is fine people like you that make me realize how lucky I am to have been born after The Greatest Generation. The courage and shear will you and your brothers and sisters displayed will forever humble me. May you and yours enjoy a wonderful holiday. I look forward to your c...
by JeepDaze
Fri Dec 16, 2016 10:17 am
Forum: Investing - Theory, News & General
Topic: "The worst starting year in history" -- 2016
Replies: 16
Views: 3541

Re: "The worst starting year in history" -- 2016

tennisplyr wrote:Thanks Taylor, Happy Holidays! Reminds me of an old saying "never make a major decision when you are emotionally too high or too low."


Just like you should never go food shopping when you are hungry. You'll end up buying a ton of unhealthy splurge items.
by JeepDaze
Mon Dec 12, 2016 10:46 am
Forum: Investing - Help with Personal Investments
Topic: what is your AA rebalancing band ( thresold)
Replies: 5
Views: 607

Re: what is your AA rebalancing band ( thresold)

njay73 wrote:I am just curious if anyone have much lower band e.g. 3% abs, 15% relative etc. I have my set up at 5% absolute and 25% relative.


I use:

+/- 5% absolute for target allocations >50%
+/- 25% relative for target allocations <=50%
by JeepDaze
Sat Dec 10, 2016 6:24 am
Forum: Personal Consumer Issues
Topic: Dubai in January, where to stay, what not to miss
Replies: 11
Views: 1255

Re: Dubai in January, where to stay, what not to miss

Burj Al Arab. If you have $3,000 - $20,000 per night to blow. Seriously though, nice hotels are rather pricey. If you're on a budget, it will be hard to find a prime location hotel.
by JeepDaze
Fri Sep 23, 2016 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Big 4 Partners - Salary/Risk Worth it?
Replies: 21
Views: 7174

Re: Big 4 Partners - Salary/Risk Worth it?

Hopefully there are a few Big 4 accounting firm Partners/former Partners on here as I'd appreciate your insight. I've been with my Firm in our Advisory practice since graduating from college (7 years ago). I'm enjoy what I do and have a great work/life balance (40 hour weeks, work from home, etc.) ...
by JeepDaze
Thu Sep 22, 2016 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Big 4 Partners - Salary/Risk Worth it?
Replies: 21
Views: 7174

Re: Big 4 Partners - Salary/Risk Worth it?

Hopefully there are a few Big 4 accounting firm Partners/former Partners on here as I'd appreciate your insight. I've been with my Firm in our Advisory practice since graduating from college (7 years ago). I'm enjoy what I do and have a great work/life balance (40 hour weeks, work from home, etc.) ...