Search found 130 matches

by JeepDaze
Sat Jun 20, 2020 4:30 pm
Forum: Personal Consumer Issues
Topic: Should I sell my stash of dental floss now worth $3,000?
Replies: 105
Views: 11031

Re: Should I sell my stash of dental floss now worth $3,000?

adamthesmythe wrote:
Tue Jun 16, 2020 11:28 am
Then you'll be a dental floss tycoon

(cue Frank Zappa)
Lol. Love this.
by JeepDaze
Mon Apr 06, 2020 12:16 pm
Forum: Personal Consumer Issues
Topic: No sports but cable bills unchanged
Replies: 86
Views: 6252

Re: No sports but cable bills unchanged

Yea I for the life of me can’t understand why someone would pay for cable anymore with all of the streaming options available. When NFL season comes aroundI sign up for the Sling sports package for an extra $10/mo to get NFL Redzone and then promptly cancel at the conclusion of the season. We can't...
by JeepDaze
Mon Apr 06, 2020 11:26 am
Forum: Investing - Theory, News & General
Topic: Anxiety About Stocks Rising
Replies: 14
Views: 1300

Re: Anxiety About Stocks Rising

The market will be much, much higher than it is today, in 30 years (I think). So you should be OK by time you retire in 30+ years (I think).
by JeepDaze
Sat Apr 04, 2020 11:29 am
Forum: Investing - Theory, News & General
Topic: If you could go back to 1/1/2000 and buy just one asset category -- gold, stocks, or bonds -- which would you pick?
Replies: 97
Views: 4201

Re: If you could go back to 1/1/2000 and buy just one asset category -- gold, stocks, or bonds -- which would you pick?

coachd50 wrote:
Fri Apr 03, 2020 8:16 pm
Brianmcg321 wrote:
Fri Apr 03, 2020 7:59 pm
I would invest half of it in low risk mutual funds and then take the other half over to my friend Asadulah who works in securities.
I hear you are having trouble with your TPS reports.
The Bobs would like a word.
by JeepDaze
Wed Mar 18, 2020 10:27 am
Forum: Investing - Theory, News & General
Topic: Basic question on why these put options are so expensive
Replies: 3
Views: 227

Re: Basic question on why these put options are so expensive

The "Strike Price" is the price at which the stock needs to trade below for the put options to be "in-the-money". You also need to factor in the remaining time to expiration into the prices.
by JeepDaze
Sat Feb 01, 2020 3:47 pm
Forum: Personal Consumer Issues
Topic: What's the difference between Uber and Lyft?
Replies: 63
Views: 5339

Re: What's the difference between Uber and Lyft?

Uber lets you split the fare with another rider. Lyft does not.
You may be able to get some additional discounts with Lyft if you have a Chase Sapphire Reserve card.
I've noticed Lyft is a bit cheaper than Uber for the same exact trip (open both apps, enter your destination, then compare prices).
by JeepDaze
Thu Jan 23, 2020 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital and Ally Bank
Replies: 45
Views: 6048

Re: Personal Capital and Ally Bank

I get the same error. Last update was 1/14/2020.
by JeepDaze
Fri Jan 10, 2020 9:55 am
Forum: Personal Investments
Topic: Sell FZROX in Taxable?
Replies: 9
Views: 821

Re: Sell FZROX in Taxable?

I own FZROX (Fidelity ZERO Total Market Index Fund) in a taxable account. It is equivalent to VTSAX (Vanguard Total Stock Market Index Fund), which I also own in a taxable account. Why is owning FZROX in a taxable account a bad thing?
by JeepDaze
Tue Jan 07, 2020 9:05 am
Forum: Personal Consumer Issues
Topic: Exercise machine for a small apartment
Replies: 56
Views: 3305

Re: Exercise machine for a small apartment

Bowflex Max Trainer
by JeepDaze
Sun Dec 15, 2019 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Sell house to buy SPIA in retirement? No retirement accounts.
Replies: 5
Views: 813

Sell house to buy SPIA in retirement? No retirement accounts.

Assume someone is retired (69 years old), married to a spouse who is 68 years old and both are living abroad (Spain). Both are U.S. citizens and have permanent residency status in Spain. The married couple is thinking of moving back the the U.S. in 5 years. The couple own 2 homes, (1) one in the U.S...
by JeepDaze
Fri Nov 15, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 151
Views: 14309

Re: Best thing you have ever bought?

DarinFred wrote:
Fri Nov 15, 2019 4:21 pm
Jeep Wrangler Rubicon
🙂
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: 16265

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: 1820

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: 2669

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: 4769

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: 7744

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: 2780

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: 514
Views: 50427

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: 2588

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: 23444

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: 7936

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: 7936

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: 1293

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: 4839

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: 5596

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: 4097

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: 719

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: 719

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: 2824

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: 1348

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: 16422

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: 1343

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: 15918

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: 9140

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: 1228

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: 1228

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: 721

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: 5667

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: 6207

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: 6207

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: 3363

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: 76387

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: 76387

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: 2766

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: 12104

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...