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Re: New Car vs Used Car -- how to decide?

If you are "car guy" you want to drive something nice (nice looking, good handling, fast, etc.) - I buy used - how old and how much miles depends on the car. The key in my view, is knowing a good local mechanic who knows that make/model of car very well. Also, I'm a car nerd so I do my own...
by bstewartny
Tue May 13, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: New Car vs Used Car -- how to decide?
Replies: 29
Views: 2204

Re: HTML5 programming

If you can focus on a single browser as your target, you can get very far using javascript+html+css. The trouble occurs when need to support more than one browser. For example, I've had really good results building "native"-seeming iOS apps (iPhone) using jQuery+css+javascript, using some ...
by bstewartny
Tue May 13, 2014 10:08 am
 
Forum: Personal Consumer Issues
Topic: HTML5 programming
Replies: 11
Views: 1075

Re: Which car to get?

Never buy new. Always buy slightly used (2-3 years old, clean, low miles) direct from owner - in cash, never more than 20% of your annual income. Drive it until cost of repair > value of the car. Repeat. If you can afford it, get something nice: BMW, Audi, Volvo, Mercedes, etc. You will enjoy it mor...
by bstewartny
Tue May 06, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Which car to get?
Replies: 10
Views: 794

Re: selling/buying house question

Thanks for all the replies. What I did not explain is that I am "tempted" to pay off the remaining mortgage now, because I have the cash to do it, and for logistical reasons we won't be selling/moving for at least 6 months. So paying off mortgage now will save me a few grand in interest (a...
by bstewartny
Wed Apr 16, 2014 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: selling/buying house question
Replies: 6
Views: 892

Re: selling/buying house question

>I agree with ps honore's point about a buyer not caring whether your house is paid off. I can see that buyer won't care if house is paid for, but is there a benefit in terms of faster closing (maybe not requiring extra bank at closing)? Are there any less fees involved (since no one has to file pap...
by bstewartny
Tue Apr 15, 2014 8:57 am
 
Forum: Personal Finance (Not Investing)
Topic: selling/buying house question
Replies: 6
Views: 892

selling/buying house question

I'm considering paying cash for a new larger house. I have some outstanding mortgage debt on my current house which I could pay off prior to selling (now). I would need my current equity from my current house in order to pay cash for a new one, so I'd need to sell my current house first before buyin...
by bstewartny
Mon Apr 14, 2014 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: selling/buying house question
Replies: 6
Views: 892

Re: investment with after tax money or pay off mortgage?

If your mortgage payment is not a "burden" financially, keep the mortgage and invest extra $$$ into 3-fund portfolio. Also, you are 33 and have 15 year loan - if you stay in your current home you'll be debt free at 48 which is not bad. Inflation will make your mortgage payment smaller over...
by bstewartny
Tue Nov 19, 2013 4:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: investment with after tax money or pay off mortgage?
Replies: 29
Views: 1954

Re: How did you decide to sell your stock options?

tdirgins wrote:Even if I thought they might go up, I always exercised on the vest date. Why? I am not a market timer nor can I predict the future. "A bird in the hand is worth two in the bush."


+100 for this.
by bstewartny
Wed Oct 30, 2013 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: How did you decide to sell your stock options?
Replies: 18
Views: 1342

Re: How do I determine Whether to Pay a one time premium for

If you need PMI you can't afford the house.
by bstewartny
Sat Oct 26, 2013 8:05 am
 
Forum: Personal Finance (Not Investing)
Topic: How do I determine Whether to Pay a one time premium for PMI
Replies: 5
Views: 463

Re: Software engineering jobs not paying that much?

Software engineer here. It's true salary will top out between 150k-200k in the coastal cities. Although cost of living is high where I live, That's still a good income for slinging code IMO. Personally I have been fortunate to cash in on significant stock options over the years at a couple different...
by bstewartny
Thu Oct 17, 2013 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Software engineering jobs not paying that much?
Replies: 25
Views: 3141

Re: Why doesn't anyone like working in finance?

For what its worth - as a software developer who has worked in a few wall-street firms (as a consultant, and for a couple financial software vendors), my take is it is too corporate for me (suits, politics, strict hours and other corporate "rules") - lots of competitive not-so-nice folks I...
by bstewartny
Tue Oct 15, 2013 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why doesn't anyone like working in finance?
Replies: 27
Views: 3008

Re: Programming Linux

I'm a software engineer, and I started programming when I was 12 or 13, in 1982-83, on an old Apple II. You dont need anything fancy to get started, so an old linux computer will work just fine. Try using Python on linux. Its fairly simple language to get started with and you dont need any special t...
by bstewartny
Thu Oct 10, 2013 11:31 am
 
Forum: Personal Consumer Issues
Topic: Programming Linux
Replies: 23
Views: 1498

Help with investing a windfall

I have some newly vested stock options I am going to sell over next couple weeks. Total proceeds after taxes will be around $250,000. In addition, I will receive the same amount of shares (and hopefully higher $ amount), this time next year in Oct 2014. My question now is what the best way to invest...
by bstewartny
Tue Oct 01, 2013 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with investing a windfall
Replies: 4
Views: 660

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