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Re: Anyway around apartment lease rip off?

I'm not sure I understand the bits about "keep the keys." The landlord will have their own copy, of course, and even if somebody steals them and melts them down they, as the owner, have the legal right to have the old locks drilled out and new ones installed. Depending on city and state, ...
by Ancal
Sun May 11, 2014 2:18 am
 
Forum: Personal Consumer Issues
Topic: Anyway around apartment lease rip off?
Replies: 30
Views: 1791

Re: Making extra cash

The organizational part also comes into play when you're juggling 5 new cards you applied for last week, each with a different spending requirement and deadline, a different bank login etc, and then having to remember when to cancel or downgrade those cards before getting hit with the annual fee (t...
by Ancal
Fri May 09, 2014 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Making extra cash
Replies: 38
Views: 4163

Re: Need help thinking through exercising options

Also, esofund is not a loan. They give you the money in exchange for a percentage of eventual proceeds. In my circle of friends, there are a couple of people who have had positive experiences with them. Thanks! I will definitely check them out. If there is no public or secondary market for a stock,...
by Ancal
Thu May 08, 2014 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help thinking through exercising options
Replies: 16
Views: 1524

Re: Best way to send flowers?

Thanks - all good tips! A colleague just told me about Farmgirl Flowers, which is SF Bay Area–specific, but might have analogs around the country. Looks like a pretty fair deal, though not much cheaper than the big players.

I would definitely go for the personal delivery if I were anywhere close!
by Ancal
Thu May 08, 2014 2:15 pm
 
Forum: Personal Consumer Issues
Topic: Best way to send flowers?
Replies: 15
Views: 1007

Best way to send flowers?

With Mother's Day coming up, I've been trying to figure out the best way to get flowers to mom and grandma. I've used the big sites before (800 Flowers, FTD, etc), but I often feel ripped off by them. They tack on a huge amount for delivery and "service fees," the final arrangement rarely ...
by Ancal
Thu May 08, 2014 1:59 pm
 
Forum: Personal Consumer Issues
Topic: Best way to send flowers?
Replies: 15
Views: 1007

Re: CNBC - 4% doctors are millionaires!!

What is interesting is that JD and MD are roughly the same proportion of the millionaires out there. They both require postcollege education at the similar level of years, would think similar levels of debt, and later years of starting on saving. I would assume though that the median salaries of ph...
by Ancal
Thu May 08, 2014 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: CNBC - [Among millionaires, 4% are doctors]
Replies: 100
Views: 10825

Re: Need help thinking through exercising options

@ValueThinker - thank you, that's very helpful context.

@brogrammer - i like your way of framing the scenario. It involves the irrational "it's mine already, i just have to pay for it" mindset.

@kevinpet - yes, I'll get help. It's potential a large amount of wealth forgone.
by Ancal
Wed May 07, 2014 5:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help thinking through exercising options
Replies: 16
Views: 1524

Re: Need help thinking through exercising options

I'd really explore this. There's gotta be some kind of secondary market or arrangement that you could find for someone to take out risk. Smart advice. Thanks. Let's say that your strike price is $3. Let's say that you think the value is $10. Let's say that the majority shareholders get together to ...
by Ancal
Fri May 02, 2014 7:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help thinking through exercising options
Replies: 16
Views: 1524

Re: Need help thinking through exercising options

Thanks once more, to both of you! I think I've narrowed down the infinite spectrum of choices down to a few alternatives: a. Do nothing (let the options expire) and just live my life knowing it'll be ok. b. Spend as much (purchase + taxes) as I can comfortably afford, gaining potential upside but ke...
by Ancal
Fri May 02, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help thinking through exercising options
Replies: 16
Views: 1524

Re: Need help thinking through exercising options

Thanks so much for the advice! Exercising to the point of no debt seems to make sense, although there will always be part of me that thinks, "What if?" Really appreciate your thoughts.
by Ancal
Thu May 01, 2014 11:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help thinking through exercising options
Replies: 16
Views: 1524

Need help thinking through exercising options

***Updated: I've exercised all the options and am now considering what to do next. If interested, see post on July 23 below.*** Hi folks! I have a financial issue that's doing my head in, and I would greatly appreciate any advice or suggestions. I recently left a company and have a short window in w...
by Ancal
Thu May 01, 2014 8:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help thinking through exercising options
Replies: 16
Views: 1524

Re: First Post - seeking wisdom on job (long, sorry)

I'm a supervisor at a Bay Area/Silicon Valley tech company. First off, it's tragic that the conclusion you've come to in this thread is to blame yourself. Obviously you have agency and power in this situation, but you should also recognize that you're being dealt a poor hand. Any team member who cre...
by Ancal
Fri Apr 12, 2013 3:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: First Post - seeking wisdom on job (long, sorry)
Replies: 33
Views: 3730

Re: San Francisco with kids?

Another San Francisco parent here! You're going to have an awesome trip. Two sites that haven't been mentioned are the Children's Creativity Museum at Yerba Buena Gardens and Children's Fairyland , across the Bay Bridge in Oakland. (Yes, Oakland is cool now!) An option when traveling with the family...
by Ancal
Tue Apr 09, 2013 2:45 am
 
Forum: Personal Consumer Issues
Topic: San Francisco with kids?
Replies: 39
Views: 2086

Re: If can no longer invest in Roth IRA...?

AFAIK, the Roth income limits refer to compensation income, not investment income and the like. Rental income is excluded when determining Roth eligibility.
by Ancal
Mon Feb 11, 2013 2:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: If can no longer invest in Roth IRA...?
Replies: 13
Views: 735

Re: MESSY portfolio! How to reallocate?

Thank you for all the incredibly helpful responses. I am much clearer about what I need to do now. I will probably not sell any of the taxable accounts (as I have gains in all of them), and instead try to "mimic" the total-market equivalents by reallocating. I will also try to up my bond p...
by Ancal
Mon Feb 11, 2013 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: MESSY portfolio! How to reallocate?
Replies: 6
Views: 685

MESSY portfolio! How to reallocate?

Hi! We are a couple who moved to the USA from Australia, along with our now three-year-old kid, just over a year ago. I had a tiny amount of money in retirement accounts from early days in low-paying jobs in the States, but we started basically from scratch when we moved. I was excited by Vanguard f...
by Ancal
Sun Feb 10, 2013 10:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: MESSY portfolio! How to reallocate?
Replies: 6
Views: 685

Re: How do Bogleheads view "lottery tickets" (illiquid equit

I would have presumed for a company that is not floated, that is issuing shares as part of a compensation package, that you would be getting a percentage of a company (which may or may not then be worth anything in the future). Which would mean that it has some value. (i would still value it is Zer...
by Ancal
Tue Jan 29, 2013 10:02 pm
 
Forum: Investing - Theory, News & General
Topic: How do Bogleheads view "lottery tickets" (illiquid equity)?
Replies: 16
Views: 1278

Re: How do Bogleheads view "lottery tickets" (illiquid equit

Thank you for the thoughtful responses! I suppose it's grok87's point that is holding me up on this. If the options should be value at zero for investment purposes, why should they have a positive value when considering whether it's worth taking (or holding on to) a job? That thinking seems emotiona...
by Ancal
Tue Jan 29, 2013 8:29 pm
 
Forum: Investing - Theory, News & General
Topic: How do Bogleheads view "lottery tickets" (illiquid equity)?
Replies: 16
Views: 1278

How do Bogleheads view "lottery tickets" (illiquid equity)?

Hi Bogleheads! First thread I've started. Hope it's not too stupid. :) I work for a tech company that offers stock options as part of its compensation. These options are completely illiquid until a "liquidity event" (eg an IPO), and even then, they may have zero value (eg if the market sha...
by Ancal
Tue Jan 29, 2013 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: How do Bogleheads view "lottery tickets" (illiquid equity)?
Replies: 16
Views: 1278

Re: Buying first house in Bay Area, with 1 mo. old child

We are in a similar situation. A couple of thoughts to add to others' excellent feedback: 1. Although the SF school system is a lottery, you do have some choice. Generally everyone tries to get their kid into the top-ranked schools on greatschools.org, which use test score data as a primary input. H...
by Ancal
Wed Jan 23, 2013 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying first house in Bay Area, with 1 mo. old child
Replies: 24
Views: 2554

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