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Re: Just had offer accepted on a house! (Advice pls!)

Radon testing is important but don't let it scare you. Ahead of finishing our basement we tested and it came back at eight times the limit. For 800 dollars we had an active mitigation system installed and the levels are right where they should be.
by investingdad
Wed Apr 16, 2014 10:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just had offer accepted on a house! (Advice pls!)
Replies: 29
Views: 1946

Re: Chess.com is The Bomb

I play on my phone. Typically blitz games, 5 minutes per player with 29 second time limit per move.
by investingdad
Mon Apr 14, 2014 8:17 am
 
Forum: Personal Consumer Issues
Topic: Chess.com is The Bomb
Replies: 10
Views: 1283

Re: Brown bagging in a more formal office

I have a black, non-leather laptop bag for bringing my laptop and occassional work stuff back and forth. I have a soft, lunchbox size insulated bag for bringing my lunch. Usually a frozen Lean Cuisine and can of seltzer plus freezey block to keep it cold. I eat out or go to the cafeteria maybe once ...
by investingdad
Wed Apr 09, 2014 9:51 am
 
Forum: Personal Consumer Issues
Topic: Brown bagging in a more formal office
Replies: 43
Views: 2922

Re: Should I see Frozen?

My son is six and really likes it. My daughter is almost nine and liked it in the theatre but hasn't wanted to watch it at home. But she plays with her Elsa and Anna dolls all the time.

I suspect she understands the emotional conflict between the sisters and it upsets her.
by investingdad
Sun Apr 06, 2014 5:31 pm
 
Forum: Personal Consumer Issues
Topic: Should I see Frozen?
Replies: 16
Views: 1711

Re: Should I see Frozen?

Olaf the snowman was amusing.
by investingdad
Sun Apr 06, 2014 8:09 am
 
Forum: Personal Consumer Issues
Topic: Should I see Frozen?
Replies: 16
Views: 1711

Re: To MBA or not MBA?

I did my MBA part time at a non-prestigous, private college. My employer reimbursed full tuition as taxable income. In my case, I was layering an MBA over an undergraduate chemical engineering degree. I did not have any specific job in mind, but more of a longer arc career path that would hopefully ...
by investingdad
Fri Apr 04, 2014 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: To MBA or not MBA?
Replies: 57
Views: 4475

Re: Boglehead Cruise Line Preference

We sailed with Royal Caribbean three times and enjoyed it quite a bit. That was before the kids showed up. We are frequent Disney visitors and were thinking we'd try a short Disney cruise next year. If the kids enjoy it, we'll probably take them on a full week on Royal.
by investingdad
Thu Apr 03, 2014 7:47 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Cruise Line Preference
Replies: 57
Views: 6579

Re: Laid off today... TODO list?

I've been through it...stinks, doesn't it?

Breathe. Relax. Breathe.

You'll be fine, just slow down for a few days before making any decisions.
by investingdad
Wed Apr 02, 2014 7:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 9497

Re: Death of co-worker

Thanks for the responses everyone. I don't want to sound like an insenstive dope, but I wanted to clarify that the effect of the co-worker's passing on me was more along the lines of getting me to stop and think about...everything...as opposed to feeling an emotional loss. I realize that sounds cold...
by investingdad
Wed Apr 02, 2014 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 9259

Re: (Lack of) Emergency Fund - Are We Crazy?

I am an electrical engineer, and my wife a physician assistant, and we would be fine if we had to live on one salary for a while (say, due to injury, etc). At the same time I think the odds are near zero that both of us would find ourselves without work (and searching) at the same time, What do you...
by investingdad
Tue Apr 01, 2014 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: (Lack of) Emergency Fund - Are We Crazy?
Replies: 44
Views: 3442

Re: New Friends are the Anti-Bogleheads, what to do?

I think part of the desire to say something is that, for many folks here (myself included), we're genuinely excited about having found a strategy that works. And it's simple. And it's almost magical if introduced to a young couple with high salary and they put it into place. But the implementation t...
by investingdad
Tue Apr 01, 2014 9:12 am
 
Forum: Personal Finance (Not Investing)
Topic: New Friends are the Anti-Bogleheads, what to do?
Replies: 93
Views: 8311

Re: Saving on major renovations

If you want to save on major renovations, figure out what work you can do yourself. We're in the middle of finishing a portion of our basement, about 800 ft2 of finished area. By opting to do the paint and stain work myself, it reduced my renovation cost by $2700...about 10% of the project cost. The...
by investingdad
Mon Mar 31, 2014 8:11 am
 
Forum: Personal Consumer Issues
Topic: Saving on major renovations
Replies: 33
Views: 2501

Death of co-worker

Per my title, a co-worker passed away very suddenly last week. Guy was in his late fifties and though I didn't work with him that much I'm trying to get my head around not seeing him in the office any more. He went home, had heart trouble, and that was it. I don't know what his planned retirement ag...
by investingdad
Sun Mar 30, 2014 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 9259

Re: those with basements

We're in southeast PA and our basement is insulated (built in 2010), both the walls and the ceiling. I should point out that we have a full walkout. This means the front of the basement is full foundation and below ground. The back of the baseement is above ground. The sides transition (naturally). ...
by investingdad
Thu Mar 27, 2014 2:17 pm
 
Forum: Personal Consumer Issues
Topic: those with basements
Replies: 17
Views: 1975

Re: young sports stars.. or programmers

I have no problem with people in their 20s in the tech field making that kind of money. They're earning it because, presumably, they're very good at what they do. Any of us (engineers, etc) could have gone into the software / tech field as a major but chose not to. I graduated in 1995. It's not like...
by investingdad
Wed Mar 26, 2014 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: young sports stars.. or programmers
Replies: 26
Views: 2271

Re: Buying first home in SF - gut check

I personally wouldn't be comfortable with it based on the ratios: OP Mortgage to Income: 1000K / 430K = 2.3x OP Mortgage to Salary (no RSU): 1000K / 230K = 4.3x OP House to Income: 1800K / 430K = 4.2x OP House to Salary (no RSU): 1800K / 230K = 7.8 I don't know, it just looks like a lot to me. If yo...
by investingdad
Wed Mar 26, 2014 9:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying first home in SF - gut check
Replies: 87
Views: 7041

Re: Is it ethical to put this on your resume?

I have seen HR let people go because they "enhanced" their resumes. Someone with one class way from a Bachelors. A non-existent Masters. A degree is easily verifiable. I would leave your degree as is. If you want to emphasize mathematics, on the bottom of the resume you do something like....
by investingdad
Fri Mar 21, 2014 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Is it ethical to put this on your resume?
Replies: 27
Views: 2856

Re: advice requested from engineers

If he reads this make sure he understands that: - the engineers responding are Boglehead engineers, you can explain what that implies - our basic message as engineers with many years (or decades) of work experience is not to get caught up in the 'prestige' factor of the name because we're saying it ...
by investingdad
Thu Mar 20, 2014 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: advice requested from engineers
Replies: 85
Views: 4403

Re: HOA lawyer sends threatening letter, need advice

Am I in the minority here thinking I'd get my own lawyer to look into this? It's not about the small amount of money currently owed, it's making sure everything is on the up and up and there's no chance for more problems down the road. Depends on what the goal is. If it's the lowest cost outcome, a...
by investingdad
Thu Mar 20, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: HOA lawyer sends threatening letter, need advice
Replies: 46
Views: 4223

Re: HOA lawyer sends threatening letter, need advice

Am I in the minority here thinking I'd get my own lawyer to look into this? It's not about the small amount of money currently owed, it's making sure everything is on the up and up and there's no chance for more problems down the road.
by investingdad
Thu Mar 20, 2014 9:04 am
 
Forum: Personal Consumer Issues
Topic: HOA lawyer sends threatening letter, need advice
Replies: 46
Views: 4223

Re: Do you have a Tax Advisor?

Thanks for the feedback everyone. My wife does our taxes using tax software, forget which one...believe it's the one backed by H&R Block. She's an accountant and works in the financial field and she has an MBA, as do I...not that the last one means very much. She was getting conflicting numbers ...
by investingdad
Thu Mar 20, 2014 8:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a Tax Advisor?
Replies: 21
Views: 1650

Re: advice requested from engineers

I think the Ivy Leauges certainly carry prestige that will open doors, but I think it benefits fields other than engineering more than it does engineering. If you said: Harvard Law or Penn State Law School....which would you gravitate to? If you said: Harvard Electrical Engineer or Penn State Electr...
by investingdad
Thu Mar 20, 2014 8:04 am
 
Forum: Personal Finance (Not Investing)
Topic: advice requested from engineers
Replies: 85
Views: 4403

Re: Phone calls trying to sell me stocks

I get these calls at work sometimes. Some glad-handing, grin full of white teeth, slicked hair salesman that's practially giddy with excitement over sharing news with me about XYZ stock. Usually starts with, "Hey [my name], this is [blah-biddy-blah] from some firm up here in New York. I know yo...
by investingdad
Thu Mar 20, 2014 7:53 am
 
Forum: Personal Consumer Issues
Topic: Phone calls trying to sell me stocks
Replies: 36
Views: 1993

Re: advice requested from engineers

The reputations of the big top tier engineering schools tend to be pretty local in my experience. Around here, having a degree from Georgia Tech gives you a HUGE advantage but in, say, Oregon that doesn't seem to be the case. I know in the Chicago area an engineering degree from UICU carries a lot ...
by investingdad
Wed Mar 19, 2014 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: advice requested from engineers
Replies: 85
Views: 4403

Re: advice requested from engineers

I'm a chemical engineer. My opinion is, as long as the University is accredited, it won't much matter for most BS and MS programs. I understand there are some niche segments that may be conscious of Alma Mater, but for the most part I don't think it matters. I'm a State U grad and my preference woul...
by investingdad
Wed Mar 19, 2014 2:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: advice requested from engineers
Replies: 85
Views: 4403

Re: Your thoughts on vacation home or second home

My wife and I are not yet in a place where we'd do something like this. When we retire, we'd like to spend a few months during the winter in a warmer climate (Florida coast), maybe take a yearly cruise during that time, golf, etc. A 'resort' style home looks appealing, but I think we'd be better sim...
by investingdad
Tue Mar 18, 2014 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your thoughts on vacation home or second home
Replies: 61
Views: 3600

Do you have a Tax Advisor?

Do Bogleheads have tax advisors? My wife and I, after a sort of complex tax return that is pushing the boundaries of what we're comfortable doing, are starting to wonder if we shouldn't get some advice from the pros for 2014. If you've spoken with an advisor, what did you look for and was it time an...
by investingdad
Mon Mar 17, 2014 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a Tax Advisor?
Replies: 21
Views: 1650

Re: Net Worth Calculation

For sure home equity figures into net worth. It also difficult to pinpoint on any given day unless you've recently had your home appraised. And it's difficult to convert into a stream of cash flow unless you take out a mortgage against it, or sell it....leaving you to find a new place to live. But y...
by investingdad
Thu Mar 13, 2014 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation
Replies: 37
Views: 3535

Re: What video games are you currently playing?

I'm still awesome at FPS... My mouse twitch skills are still good, and I can put a bullet in your head at 500 yards... :) BUT... My reflexes suck at driving games... I play race games with my son on our Xbox 360... If we use cars that top out at 90 mph, I can win most times, weaving through traffic...
by investingdad
Wed Mar 12, 2014 12:33 am
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4198

Re: What video games are you currently playing?

Has anyone else been unable to play FPS as you've gotten older? That was all I used to play but over the past several years (almost 40 now) I get motion sick. I've tried taking an anticholinergic to mitigate some of the effects but then I just get tired... I'm not as quick on games like Halo, but A...
by investingdad
Tue Mar 11, 2014 7:46 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4198

Re: 24 year old in over his head: house/MBA/RSUs/tax questio

Without deep drilling your post....I'll offer this up:

Don't buy the house based on the info you gave.
by investingdad
Tue Mar 11, 2014 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: 24 year old in over his head: house/MBA/RSUs/tax questions
Replies: 17
Views: 1744

Re: What video games are you currently playing?

I started playing World of Warcraft shortly after the Burning Crusades expansion pack was released in 2007. I stopped playing, for good hopefully, about 3 weeks ago. I wasn't really enjoying it anymore and I was really just playing out of habit. I have yet to replace it with another video game. I d...
by investingdad
Tue Mar 11, 2014 9:02 am
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4198

Re: What video games are you currently playing?

* When I was in sixth grade, and Mortal Kombat 2 was newish, I got into E3 with my dad (semi-illegitimately: the passes were legit issue, but I shouldn't have gotten one on account of being under 18). Before I got kicked out by security (they ran the badges and discovered I shouldn't have been let ...
by investingdad
Tue Mar 11, 2014 7:40 am
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4198

Re: What video games are you currently playing?

I'm 40 and I grew up playing video games. If you're my age (or within a few years), you were part of the first generation to grow up playing video games. Well, young whippersnapper, that might be true if you only define video games as home console games, but I'm 55 and spent hundreds of dollars in ...
by investingdad
Mon Mar 10, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4198

Re: What video games are you currently playing?

I'm 40 and I grew up playing video games. If you're my age (or within a few years), you were part of the first generation to grow up playing video games. My parents got me an Atari when I was 7 or 8. I took a hiatus in college but other than that, never stopped playing. Because of the evolution of g...
by investingdad
Mon Mar 10, 2014 9:31 am
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4198

Re: The dealership wants my 2 year old car back?

I got a pretty clever one in the mail. The 'letter' was meant to be an email where the salesperson was discussing with another salesperson the deal they'd put together for their customer. The only thing they needed to make it happen was for Investingdad to come in with his used car so they could com...
by investingdad
Fri Mar 07, 2014 8:34 am
 
Forum: Personal Consumer Issues
Topic: The dealership wants my 2 year old car back?
Replies: 46
Views: 4266

Re: Savers remorse ?

We are fortunate enough to be doing pretty well right now. Which is why, with two younger kids, we decided to pull the trigger on a finished basement game room with the pool table and pinball machine I've wanted for the last fifteen years. At some point you need to spend a little of what you earn ot...
by investingdad
Thu Mar 06, 2014 8:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers remorse ?
Replies: 91
Views: 11165

Re: 401 match (poll)

My MegaCorp still has a lot of folks on pension. If you joined after X date but before Y date, you had a choice to stay pension or go 401K. If you joined after Y it was 401K with no option for pension.

I joined after Y date.

The maximum match is 9% of salary, depending on years of service
by investingdad
Thu Mar 06, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401 match (poll)
Replies: 33
Views: 1770

Re: Job Offer Negotiation / Interview Snafu

I also work for Mega Corp.

I asked for more vacation up front and got it when I was extended an offer. I regret not asking for four weeks. I'm a mid career engineer.

The attitude in the USA about limited vacation is ridiculous.
by investingdad
Mon Mar 03, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job Offer Negotiation / Interview Snafu
Replies: 174
Views: 14968

Re: What to say to Non-Savers

"I want to enjoy life now" was the term that my eldest cousin used after announcing that she was divorcing her husband and leaving their two young children behind. She managed to clean him out pretty good ahead of time and had lots of fun at the casinos. That was 20 years ago. She is now 5...
by investingdad
Mon Mar 03, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to say to Non-Savers
Replies: 71
Views: 5177

Re: More Instant Lotto anecdotes

We used the diaper disposal cans with scented bags. They worked really well.
by investingdad
Mon Mar 03, 2014 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: More Instant Lotto anecdotes
Replies: 14
Views: 985

Re: What to say to Non-Savers

You can't change anyones mind. I have a friend who has not saved anything for retirement and in loads of debt. Asks me for advice and still after 3 years nothing has changed. He wants to save, but can't get himself to do it. Even he can't change his own mind. As for your mother, I would regularly t...
by investingdad
Mon Mar 03, 2014 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to say to Non-Savers
Replies: 71
Views: 5177

Re: More Instant Lotto anecdotes

This was just one of those things you see on occasion. Went to the grocery store this weekend and was dropping off the movie we rented for the kids. The Redbox is right next to the instant lottery dispenser. Two older folks were feeding the machine, the older gentleman bought a $20 game. Fine, what...
by investingdad
Mon Mar 03, 2014 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: More Instant Lotto anecdotes
Replies: 14
Views: 985

Re: What to say to Non-Savers

You're not going to change any minds. You only have to look at my own family. My mom's side is pretty much exactly what the OP has described. Only those aunts and uncles are now in their 70s. Guess what? They're all still alive and are on a tight budget. One set has discovered they enjoy going to th...
by investingdad
Mon Mar 03, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to say to Non-Savers
Replies: 71
Views: 5177

More Instant Lotto anecdotes

This was just one of those things you see on occasion. Went to the grocery store this weekend and was dropping off the movie we rented for the kids. The Redbox is right next to the instant lottery dispenser. Two older folks were feeding the machine, the older gentleman bought a $20 game. Fine, whate...
by investingdad
Mon Mar 03, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: More Instant Lotto anecdotes
Replies: 14
Views: 985

Re: [POLL] What do Bogleheads DRINK?

In my case, 'Other' is seltzer. I stopped drinking soda when I was in my late 20s. But I enjoy carbonated beverages. My wife (or maybe she was still my fiance or even girlfriend at the time I made the switch) suggested seltzer. It took about a month to get used to it. Now, it's what I reach for ever...
by investingdad
Mon Mar 03, 2014 9:02 am
 
Forum: Personal Consumer Issues
Topic: [POLL] What do Bogleheads DRINK?
Replies: 72
Views: 3744

Re: Do we have enough to retire?

If the person with the $3.5 million were looking to retire at age 45, have two young kids, hold around 100K per year in expenses, and have close to 50 years to make the portfolio last...I would ABSOLUTELY be asking the question.
by investingdad
Fri Feb 28, 2014 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Do we have enough to retire?
Replies: 106
Views: 11947

Re: Bitcoins as investment

manwithnoname wrote: There is no need in the financial markets for a private currency backed only by investors that can vanish in a keystroke.


There is if the intent is to engage in commerce of illegal goods or services w/o fear of being caught, or otherwise circumvent the cost of doing business in a regulated system.
by investingdad
Wed Feb 26, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bitcoins as investment
Replies: 190
Views: 10546

Re: Home remodel - need confirmation that we can afford it

It is rare that a finished basement is really quality space, and often a finished basement ends up being pretty dismal. In addition to low ceilings, the lack of large windows and being prone to musty smells can tend to make it feel like a substandard living space, especially in a half a million dol...
by investingdad
Wed Feb 26, 2014 8:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Home remodel - need confirmation that we can afford it
Replies: 51
Views: 3087

Re: Inheriting money, then leaving it to your kids

cheese_breath wrote:I would just consider it part of my total wealth. When I pass the kids will get whatever's left whether it's more or less than the inheritance.

Bingo. Same here.
by investingdad
Tue Feb 25, 2014 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheriting money, then leaving it to your kids
Replies: 23
Views: 1928
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