Search found 691 matches

by JimmyD
Wed Oct 18, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 78
Views: 4281

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: 78
Views: 4281

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: 135
Views: 10108

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: 107
Views: 6641

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: 25404

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: 4309

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: 1773

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: Be aware of Project Fi phone buy service
Replies: 26
Views: 2044

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: 11951

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: 1448

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: 8898

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: 7324

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: 935

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: 5679

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: 4956

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: 10967

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: 2311

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: 14931

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: 2865

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: 2865

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: 2737

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: 2723

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: 165
Views: 25028

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: 245

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: 3737

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: 37
Views: 3059

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...
by JimmyD
Sat May 06, 2017 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Student loan debt, PSLF, planning for future
Replies: 37
Views: 3059

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 take...
by JimmyD
Mon Apr 24, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: Major appliances - when would you buy/upgrade?
Replies: 20
Views: 1139

Re: Major appliances - when would you buy/upgrade?

Just to offer an anecdote, we purchased one of the Samsung washing machines that was recently recalled due to it potentially blowing up. It never gave us any problems UNTIL we had a repair tech come out and apply the fix which included reprogramming cycles. It worked fine for a couple months post-re...
by JimmyD
Sun Apr 23, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Adults-only All-Inclusive resort/hotel?
Replies: 21
Views: 3111

Re: Recommendation for Adults-only All-Inclusive resort/hotel?

Couples Negril in Jamaica was ok, but I didn't get the wow factor I was hoping for.

If you want to be blown away and still stick to a budget, check out The Royal in Playa del Carmen. I've sent many friends down there over the years and they still rave about it.
by JimmyD
Wed Apr 19, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental landlord turning to for sale by owner
Replies: 40
Views: 4997

Re: Accidental landlord turning to for sale by owner

Have you thought about giving some sort of incentive to your tenant if they help you sell while they are still in the lease? I did this a couple years ago. I had a wonderful tenant who worked with me every step of the way and allowed me to show the unit while she was still under lease. She would eit...
by JimmyD
Fri Apr 07, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: Need recommendation for home alarm system
Replies: 18
Views: 1342

Re: Need recommendation for home alarm system

Another satisfied SimpliSafe customer here.

I will say though, the motion sensors are way too sensitive if you have pets. I tried all the tricks to get them to ignore pet activity, but gave up in the end and just took them down. We now just use the entry and glass break sensors.
by JimmyD
Thu Apr 06, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: How many financial secrets?
Replies: 58
Views: 6267

Re: How many financial secrets?

I've tried a few times to get my wife more involved with our finances, but she really just doesn't have any interest. She trusts me fully to make the right decisions. As long as she gets to roll around in her Jeep Grand Cherokee, can get the occasional pedicure, and gets taken to dinner most Saturda...
by JimmyD
Thu Apr 06, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Keurig Coffee Makers
Replies: 57
Views: 6138

Re: Keurig Coffee Makers

Absolutely love ours (m). We're always in a rush in the morning (especially my wife), so the ability to make coffee quickly with minimal fuss is a big plus. The Keurig brand reusable pod is also really nice (more, for me) as it helps to keep costs down a bit since I can easily use bulk coffee instea...
by JimmyD
Wed Mar 22, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: public service loan forgiveness: expecting it? consider spousal income!
Replies: 18
Views: 2392

Re: public service loan forgiveness: expecting it? consider spousal income!

Is there any legal reason to assume that changes won't be retroactive? For example, taking into account money put in IRAs and 401ks or spousal income regardless of filing status? Or even a newly placed cap - the legal obligation of the federal govt to continue this sort of program isn't clear to me...
by JimmyD
Wed Mar 22, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: public service loan forgiveness: expecting it? consider spousal income!
Replies: 18
Views: 2392

Re: public service loan forgiveness: expecting it? consider spousal income!

Is there any legal reason to assume that changes won't be retroactive? For example, taking into account money put in IRAs and 401ks or spousal income regardless of filing status? Or even a newly placed cap - the legal obligation of the federal govt to continue this sort of program isn't clear to me...
by JimmyD
Sun Mar 19, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: Quietest tire for 2017 Honda CRV?
Replies: 32
Views: 5194

Re: Quietest tire for 2017 Honda CRV?

Alexa9 wrote:Michelin Primacy


Had these on a Mercedes C300 and they were stellar.
by JimmyD
Sun Mar 19, 2017 6:15 am
Forum: Personal Finance (Not Investing)
Topic: public service loan forgiveness: expecting it? consider spousal income!
Replies: 18
Views: 2392

Re: public service loan forgiveness: expecting it? consider spousal income!

I am constantly thinking about what we will do if PSLF is capped. That would definitely change the course of our lives and our financial future. Luckily, we have a signed master promissory note and the fact that the government has no precedent of making those sort of legislative changes retroactive....
by JimmyD
Sat Mar 18, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: public service loan forgiveness: expecting it? consider spousal income!
Replies: 18
Views: 2392

Re: public service loan forgiveness: expecting it? consider spousal income!

My wife has $235k in loans. We utilize IBR, file taxes separately, max out her 403B to lower her AGI, and are planning on PSLF to zero out the loans in another six years.
by JimmyD
Mon Mar 13, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Time Saving Tactics: Kids Edition
Replies: 57
Views: 4213

Re: Time Saving Tactics: Kids Edition

My wife convinced me to shell out $125/month to have our house professionally cleaned and as someone who greatly values a clean home, this was life-changing.
by JimmyD
Thu Mar 09, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: At what $ level should someone really start diversifiying?
Replies: 25
Views: 2549

Re: At what $ level should someone really start diversifiying?

Amount of money is one thing, temperament and aptitude is another.

If ambivalent, uninterested, etc, use Target Date funds.

If excited and really into eeking out all possible gains, get them into the mindset of manually diversifying / rebalancing as soon as minimums can be met in desired funds.
by JimmyD
Wed Mar 08, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Small (but Significant) Milestone
Replies: 26
Views: 3226

Re: Small (but Significant) Milestone

Not to hijack your thread, but we actually just crossed the same milestone. Congrats to the both of us! :sharebeer
by JimmyD
Wed Mar 08, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 188
Views: 20735

Re: How Much in Your Emergency Fund And Is It Used?

Currently, ours is a little south of $15K, but we generally try to keep it at $25K. We'll have it back at the target balance by the end of the year. Would be sooner, but we still need to fund two backdoor Roths. I'd like to think we only use it for emergencies, but in reality, we've cash flowed all ...
by JimmyD
Wed Mar 08, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Have any Bogleheads pursued a Graduate Certificate?
Replies: 8
Views: 1030

Re: Have any Bogleheads pursued a Graduate Certificate?

...The graduate certificate in finance, however, will be reimbursed by my employer... That seems to make the choice easy, as long as it doesn't put too much burden on your mental health or relationships with you family and friends if applicable. I realize I'm resurrecting an older thread, however i...
by JimmyD
Mon Mar 06, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on food in a year?
Replies: 155
Views: 9294

Re: How much do you spend on food in a year?

Wellfleet wrote:$12,000 last year inclusive of groceries ($9500) restaurants ($2500) for family of 3 including 1 small child. This mostly excludes household products and diapers.


+1 although ours includes most household products.
by JimmyD
Fri Mar 03, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 574
Views: 151552

Re: Share your net worth progression

2014 (Age 31): -$84,860
2015 (Age 32): $27,000
2016 (Age 33): $139,818
2017 (Age 34): $233,217

Married into some serious debt in 2013 - wife has nearly $250K in student loans that are due to be forgiven in 2022.
by JimmyD
Wed Feb 08, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Sinking funds - where to hold?
Replies: 18
Views: 2012

Re: Sinking funds - where to hold?

I'm still in the accumulation phase and prefer to keep these sinking funds independent of my portfolio. Why? Thank you and best wishes. Taylor Because these funds are considered working capital with defined purposes. I need access to them throughout the year. I like the sub account feature mentione...
by JimmyD
Tue Feb 07, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Sinking funds - where to hold?
Replies: 18
Views: 2012

Re: Sinking funds - where to hold?

I keep my seven sinking funds at Capital One 360. Works great for my needs.

With respect to Taylor's comment above, I'm still in the accumulation phase and prefer to keep these sinking funds independent of my portfolio.

If I were retired, I'd agree to just use a bond fund.
by JimmyD
Wed Jan 11, 2017 11:40 am
Forum: Investing - Help with Personal Investments
Topic: How're we doing?
Replies: 33
Views: 4045

Re: How're we doing?

Whoa! Do not buy a house until you are out of debt. If you've never been a homeowner, you have NO IDEA how much $$$ you will spend on insurance, property taxes, maintenance, repairs, and furnishings. Buying a house before you are financially stable will only lead to greater debt. And to offer a dif...
by JimmyD
Wed Jan 11, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: How're we doing?
Replies: 33
Views: 4045

Re: How're we doing?

Folks are quick to jump on the "PAY OFF THE STUDENT LOAN DEBT NOW" bandwagon, but let's dive into that further. What does your wife do for work? Any chance she can get a job at a non-profit that would qualify her for Public Service Loan Forgiveness? This, used in conjunction with Income-b...
by JimmyD
Wed Jan 11, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: How're we doing?
Replies: 33
Views: 4045

Re: How're we doing?

Folks are quick to jump on the "PAY OFF THE STUDENT LOAN DEBT NOW" bandwagon, but let's dive into that further. What does your wife do for work? Any chance she can get a job at a non-profit that would qualify her for Public Service Loan Forgiveness? This, used in conjunction with Income-ba...