Search found 715 matches

by JimmyD
Mon Oct 08, 2018 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Taking advantage of market dips
Replies: 4
Views: 416

Re: Taking advantage of market dips

I'm keeping a closer watch on my rebalancing bands. As soon as something is outside of the 5% threshold, I'll make the appropriate move.
by JimmyD
Mon Oct 08, 2018 7:06 am
Forum: Investing - Help with Personal Investments
Topic: Switch to Ally or just Keep more in Vanguard Federal Money Market Fund
Replies: 21
Views: 2835

Re: Switch to Ally or just Keep more in Vanguard Federal Money Market Fund

Tried to open an account with Ally a couple years ago and there was some really odd identity confirmation process they put me through that required me to call in and speak to a representative. The person I spoke to had no idea how to proceed with the process and that's all I needed to hear to know t...
by JimmyD
Tue Aug 21, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: How much do you put away in investments?
Replies: 66
Views: 5475

Re: How much do you put away in investments?

Right at $50k/year which is 22% of gross. I've loosened up a little over the last couple years and think we've finally found a happy medium between saving and spending.
by JimmyD
Fri Jul 13, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52906

Re: That Extravagant Thing You Do

Tag Heuer Formula 1 watch

Peloton bike and monthly fee

Considering a BMW 340i or Infiniti Q50 even though I drive a perfectly fine Acura TLX

Good beer. Just bought two six packs ($16/each) of Creature Comforts Tritonia that is damn near impossible to find outside of Athens, GA
by JimmyD
Tue Jun 12, 2018 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Should I contribute to this ESPP?
Replies: 21
Views: 1410

Re: Should I contribute to this ESPP?

I also recently went through this decision as I recently joined a new company with a very similar ESPP offering. I ultimately decided that I am going to initially contribute a small amount (2% of my salary) and slowly increase it over time (maybe 2%/year) with the thought of eventually maxing it out...
by JimmyD
Tue Feb 27, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Question for older bicyclist, coming back from injury
Replies: 42
Views: 2854

Re: Question for older bicyclist, coming back from injury

It just comes in time. Get a few good, easy rides under your belt (maybe even a full season) and it will slowly build your confidence. Your accident will become a distant memory and slowly but surely, you'll forget the painful details and will be riding like your former self. I crashed my bike at 21...
by JimmyD
Thu Feb 22, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Recommended resources for a new manager?
Replies: 4
Views: 392

Recommended resources for a new manager?

Hello and good morning, Bogleheads. I've been fortunate enough to accept a new position as a manager of a small team at a Fortune 50. While I'm very excited, I'm also a bit apprehensive as this is my first role in a leadership position. My background is primarily technical and though I'm a relativel...
by JimmyD
Thu Feb 15, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Two-Factor Authentication + Mint
Replies: 2
Views: 980

Re: Vanguard Two-Factor Authentication + Mint

Thanks for that. I actually haven't tried yet because I didn't want to risk anything "breaking". I just saw quite a bit of dated discussion saying that Mint users were having difficulty and thought I'd throw the question out there to see if that issue has been resolved.
by JimmyD
Tue Feb 13, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 15304

Re: What big item (>20k) are you saving up for?

Nada, thank goodness. Just trying to squeeze $11,000 out of monthly cash flow to do a couple backdoor roths.
by JimmyD
Tue Feb 13, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: From Capital One Money Market to Vanguard?
Replies: 3
Views: 536

From Capital One Money Market to Vanguard?

I've been a Capital One customer for well over a decade - back when they were ING and currently hold our primary emergency fund there along with a few sinking funds for things like car and home repairs. I set these accounts up primarily because it was easy to schedule automatic weekly transfers to b...
by JimmyD
Sun Feb 11, 2018 1:43 am
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 127
Views: 13783

Re: Anybody else Age - 10 in bonds, rest in stocks

For those of you not in retirement who have a cash position, is the cash largely your emergency fund?

If not, and apologies if this is a dumb question, but why bother with it?
by JimmyD
Sat Feb 10, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 127
Views: 13783

Re: Anybody else Age - 10 in bonds, rest in stocks

bligh wrote:
Fri Jan 06, 2017 11:05 pm
I am using Age-15.
+1. Every five years I adjust our bond allocation upward 5%.

Still young, but thinking we might leave it at 50/50 for life after age 65, especially if either of us are fortunate enough to receive an inheritance.
by JimmyD
Wed Feb 07, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 21030

Re: For BHs who actually like cars - [what car do you drive every day?]

Me: 2015 Acura TLX Tech

Wife: 2016 Jeep Grand Cherokee Limited

Both paid for with low miles. Hope to keep them at least another 10 years.
by JimmyD
Tue Feb 06, 2018 2:20 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance after today's drop?
Replies: 32
Views: 5020

Re: Rebalance after today's drop?

corn18 wrote:
Mon Feb 05, 2018 8:05 pm
I was getting a bit stock heavy and this correction took care of it. Another couple 1,000 point drops and I might actually have to do something.
+1
by JimmyD
Wed Jan 31, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: New car - how much can we afford?
Replies: 78
Views: 6977

Re: New car - how much can we afford?

I don't think that you have provided enough information for us to give you an accurate answer. For instance, we earn quite a bit more and have similar accumulated assets and annual savings, but I wouldn't even consider buying something for more than $35k, let alone the $50K to $100K. Could we make t...
by JimmyD
Tue Jan 30, 2018 5:25 am
Forum: Personal Finance (Not Investing)
Topic: BIG ($180k) student debt!! Strategy needed.
Replies: 54
Views: 9915

Re: BIG ($180k) student debt!! Strategy needed.

Curious about the ethics of borrowing money with the strategy of looking for / counting on debt forgiveness from the git-go.. Who else (maybe taxpayers?) ends up paying off the loan walked away from? How about the old-fashioned notion of her paying off the debt she voluntarily incurred? It should a...
by JimmyD
Fri Jan 26, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: What will you do with your tax refund?
Replies: 87
Views: 6592

Re: What will you do with your tax refund?

It amazes me how some of you can come within just a few dollars of breaking even on your taxes. Wish I had those kind of skills. For the two of us, looks like we'll be getting somewhere in the neighborhood of $2,500 back. That's going into savings and a month or so later when I can scrape together a...
by JimmyD
Fri Jan 26, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Your favorite beach vacation destination?
Replies: 64
Views: 6037

Re: Your favorite beach vacation destination?

We love:

Siesta Key / Longboat Key / Anna Maria Island, FL
Playa del Carmen / Tulum, MX
by JimmyD
Thu Jan 11, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Who should claim dependent?
Replies: 5
Views: 534

Who should claim dependent?

My wife and I make almost identical salaries and contribute almost identically to tax-deferred retirement accounts. The only major difference between the two of us is that she has over $250,000 in student loan debt. This is slated to be forgiven due to PSLF in five more years. Because of said debt, ...
by JimmyD
Thu Jan 11, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Buy bonds until market correction
Replies: 28
Views: 3012

Re: Buy bonds until market correction

Well, sort of. I am always investing on an automated plan. It's a good moment to invest because I'm in accumulation mode. As for what I'm investing in, the bull market has thrown my asset allocation out of whack. Not enough to trigger rebalancing, but it's getting closer. Therefore, I'm only contri...
by JimmyD
Sun Dec 31, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 747
Views: 216171

Re: Share your net worth progression

Jan 1 of each year: 2014: -$84,860 Age 31 2015: $27,000 Age 32 2016: $139,818 Age 33 2017: $233,217 Age 34 2018: $358,319 Age 35 Still waiting on a $250,000 student loan debt to be forgiven, five years from now which will be a nice boost. Other than that, just maxing out all tax deferred accounts an...
by JimmyD
Thu Dec 07, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 7834

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

I had a very similar upbringing - even down to the Associate's degree at a for-profit college that I wish I wouldn't have pursued. I came out of school making a pittance as a web developer, but now, 15 years later, I'm doing very well for myself. In a nutshell, the moves that have more than quadrupl...
by JimmyD
Wed Dec 06, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Best solution for digitizing documents?
Replies: 55
Views: 5938

Re: Best solution for digitizing documents?

Scan anything important to Google Drive via phone. Works perfectly.
by JimmyD
Wed Oct 18, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 141
Views: 12974

Re: Anyone planning on getting the new Pixel phone?

Killer phone. I would have opted for the new, smaller Pixel, but you can't beat free. Google's (and Project FI's) customer service is the best! Just curious, for what reason(s) would you downsize in terms of the screen size? A few reasons: 1 - Less expensive 2 - I have small hands and it would be e...
by JimmyD
Wed Oct 18, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 141
Views: 12974

Re: Anyone planning on getting the new Pixel phone?

I lucked out and got a new first gen Pixel XL sent to me for free as a replacement for my Nexus 6P that was having battery issues. Apparently there was only about a 48 hour period in which this was happening and I caught it at the right time. Killer phone. I would have opted for the new, smaller Pix...
by JimmyD
Wed Oct 18, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 158
Views: 18072

Re: anyone else not liking the new cars?

I was looking to replace my 07 lexus es350 with 195,000 miles on it and have decided to keep it another year or two. In my opinion the new es350 lexus grill is hideous and they have what is basically a mouse to use the navigation. The nav also has voice commands but with the front end, the mouse an...
by JimmyD
Mon Oct 16, 2017 2:48 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 171
Views: 20335

Re: How does everyone keep track of your portfolio?

My wife and I have a number of investment accounts at different institutions (403b, 457s, 401a, Roth IRAs) and I STILL use a Excel spreadsheet to track prices and rebalance our asset allocation. I haven't figured out how to use the XIRR feature, so I technically don't know what my return is, but it...
by JimmyD
Wed Sep 20, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 30468

Re: Calling out the not so rich bogleheads

The mistake you are making is wanting to talk with people in the same boat as you. It's always feels more comfortable if everyone is at the same level. If you want to learn how to sprint, then spend time talking to a sprinter, not a walker. If you want to learn how save enough money for retirement,...
by JimmyD
Wed Sep 13, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: How often do you put money in Vanguard
Replies: 55
Views: 5612

Re: How often do you put money in Vanguard

Each time our monthly budget excess adds up to $5,500 (seems to take 6 months or so) - I try to do this twice a year to complete a backdoor Roth for each of us. Between daycare and a hefty student loan payment, no funds for taxable investing yet. When we get there, we'll likely do once a month. All ...
by JimmyD
Tue Aug 22, 2017 9:52 am
Forum: Investing - Help with Personal Investments
Topic: $1000/month: Mortgage vs. Market vs. Other
Replies: 22
Views: 2372

Re: $1000/month: Mortgage vs. Market vs. Other

We're just coming up on the point of having all tax-advantaged accounts maxed out and my plan was to split the difference by splitting the amount of money we have left over by throwing half at the mortgage (at 3.75%) and invest the other half in taxable (currently at $0 :( ). That said, I lean a lit...
by JimmyD
Fri Aug 11, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: Project Fi phone
Replies: 26
Views: 2884

Re: Be aware of Project Fi phone buy service

I love Google Fi. Pay less than $30/month and service is perfect. Even had to do a swap for another 6P when mine acted funny and the replacement was perfect. A refurb, but looked and worked like new. Customer support also answers immediately. Can't beat it as far as I'm concerned.
by JimmyD
Tue Jul 25, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 135
Views: 15108

Re: What's your personal savings rate?

According to my very rough calculation, we're right at about a 30% savings rate. I'm happy with that and hope to maintain it as our son gets older (no more daycare, but increased costs in activities, food, clothes, misc). If we end up having a second child (very likely), I'll be happy as long as it ...
by JimmyD
Tue Jul 25, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: How to organize toddler books
Replies: 17
Views: 1825

Re: How to organize toddler books

newbie_Mo wrote:
runner3081 wrote:We went with a "cubed" type of bookshelf. It looks like 5-6 cubes from the front and has book shelves/cubby holes for storage.
Any links/examples of what they look like? Thanks.
+1. We have two of these (http://amzn.to/2eLjhGt) in our son's room. Work great and are ultra cheap.
by JimmyD
Mon Jul 24, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 10787

Re: Anyone else extremely frugal?

Dont know what it is with me. Im very basic. Havent bought clothes in 2 years. Can go without eating lunch just to save $5. Kinda want new shoes but dont really "need" them. It kinda sucks. I make about $40k a year, which is peanuts, but surely i should be able to purchase goods in life without fee...
by JimmyD
Thu Jul 20, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 123
Views: 9923

Re: Would you let your teenager spend all his savings on a gaming computer?

As long as there were no other tangible (non college) expenses coming up (car bill/ins, etc.) then heck yes let him. But make him build his own computer too to get some skills. I spent way too much money on computer gaming at that age, and it taught me the time value of money and budgeting. If I wa...
by JimmyD
Wed Jul 19, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Options for College Savings
Replies: 17
Views: 1549

Re: Options for College Savings

As soon as my son received a social security number, I opened a Georgia 529 plan for him and threw a few thousand in. He's invested in the age-based aggressive fund. Forget the expense ratios, but they're very low. Any time he receives a cash gift, it goes in there. We don't really make any contribu...
by JimmyD
Mon Jul 17, 2017 8:28 am
Forum: Investing - Help with Personal Investments
Topic: When, if ever, does it make sense to cease contributing the 401K max?
Replies: 40
Views: 6473

Re: When, if ever, does it make sense to cease contributing the 401K max?

We've been steadfastly maxing out retirement accounts for years now. That said, with our son now being 3 years old and becoming slightly less needy, I'm very seriously considering temporarily lowering my contributions significantly in order to afford an expensive road bike. I can justify it because ...
by JimmyD
Mon Jul 17, 2017 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Why Not REIT's?
Replies: 47
Views: 6617

Re: Why Not REIT's?

With all the negative talk about traditional retail and the lousy performance of late, I've been loading up on REITs, but I'm also 25 years out from retirement. They have been and will continue to be 10% of my portfolio. When I get back to that 10% mark, contributions will be allocated elsewhere. "B...
by JimmyD
Thu Jul 13, 2017 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 15037

Re: Do you count vehicle equity in net worth?

Absolutely. I could easily clear $50,000 for the cars that I have in my garage right now. Why would I not count it?
by JimmyD
Mon Jul 03, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Best tool/technique for grill cleaning?
Replies: 23
Views: 3241

Re: Best tool/technique for grill cleaning?

On my Kamado Joe, I either burn everything off at around 700F or so OR

I use this wooden grate cleaner if I'm in a hurry - works great!: http://amzn.to/2tCDpAs
by JimmyD
Thu Jun 08, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 84
Views: 16850

Re: Laundry lifestyle creep

I always liked Purex because it is cheap.

My wife likes Gain because the smell reminds her of her childhood.

You can probably guess which detergent we use in the house.
by JimmyD
Thu Jun 08, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Married filing separately vs staying single for tax savings
Replies: 31
Views: 4142

Re: Married filing separately vs staying single for tax savings

Not Law wrote:Don't forget that loan forgiveness is a taxable event. If $50,000 is forgiven, the borrower needs to add that to taxable income in the year of forgiveness. Just another cost to consider in the grand scheme of things.
PUBLIC service loan forgiveness is NOT taxable.
by JimmyD
Tue Jun 06, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Married filing separately vs staying single for tax savings
Replies: 31
Views: 4142

Re: Married filing separately vs staying single for tax savings

I agree with the post above. Personally, I value the concept of my family and marriage more than tax savings, so that takes precedence for me, but to each, their own. This is coming from a cheapskate who abhors debt and who happens to be married to someone with a quarter million dollars in student l...
by JimmyD
Sat Jun 03, 2017 7:43 am
Forum: Investing - Help with Personal Investments
Topic: What to do after maxing out all tax advantaged options?
Replies: 24
Views: 3370

Re: What to do after maxing out all tax advantaged options?

We're almost to that point as well and I was thinking we'd start throwing half the excess at our mortgage and the other half in taxable.
by JimmyD
Sat Jun 03, 2017 7:37 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on emergency account amount.
Replies: 22
Views: 3404

Re: Thoughts on emergency account amount.

I figured 6 months worth of expenses we'd need in order to still live somewhat comfortably. This includes the mortgage, daycare, insurance, food, gas, most bills, and another few hundred (per month) for incidentals.
by JimmyD
Wed May 31, 2017 10:23 am
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 299
Views: 31690

Re: What do you guys do on the side?

I open checking accounts, transfer brokerage balances (and collect referral bonuses from brokerages), and open credit cards for bonuses that net me roughly 1k a month. Ron Wow, I had no idea there were enough of these around to net a consistent monthly amount. How much time do you spend tracking th...
by JimmyD
Tue May 23, 2017 10:06 am
Forum: Investing - Help with Personal Investments
Topic: New 401K options
Replies: 2
Views: 344

Re: New 401K options

I'd vote for skipping the new Target Retirement funds since the expense ratio is likely higher, but more importantly, it would probably make rebalancing across your overall portfolio more burdensome since it contains a mix of stocks and bonds.
by JimmyD
Sat May 06, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 4596

Re: Swing Set 2700.00??

jabberwockOG wrote:Put the $2700 in an 529 based index fund for kid's college costs and instead take them to a public park and/or on lots of hikes.
+1
by JimmyD
Sat May 06, 2017 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Student loan debt, PSLF, planning for future
Replies: 39
Views: 4503

Re: Student loan debt, PSLF, planning for future

Just to add our situation to the mix, my wife has $235k in student loan debt and we are on year six of IBR / PSLF. Payments are currently $650 / month. The advice given re: maxing out the 403b and filing taxes separately is spot on. FYI PSLF is written into your master promissory note and would tak...