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Re: Career advice?

Thanks for the comments, LadyGeek. I have no problem being a manager or working with people. Infact, I actually excel in conducive team environments more than self managing roles - maybe I didn't frame my post correctly. It's the client politics that comes with it which stops me from taking a manage...
by jay22
Wed Feb 25, 2015 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career advice?
Replies: 11
Views: 1000

Re: Career advice?

Have you considered a MBA? I'm in the same industry working for a large firm as an analyst (3 years), but I want to make the jump to PM after I have enough years and I earn my PMP. Getting a MBA will be the next step to becoming a Program Manager for me. I don't see the point of doing an MBA, tbh. ...
by jay22
Wed Feb 25, 2015 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career advice?
Replies: 11
Views: 1000

Career advice?

I am looking to get career advice from people here who have worked in IT, especially in consulting. I changed jobs last year due to a move to CA and am currently working as a Sr. systems analyst for a mid-size consulting company which has a bunch of public sector clients. I have been working as an a...
by jay22
Wed Feb 25, 2015 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career advice?
Replies: 11
Views: 1000

Re: [favorite] Boglehead quotes

Stay the course, regardless!

Powerful stuff right there.
by jay22
Tue Feb 24, 2015 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: [favorite] Boglehead quotes
Replies: 42
Views: 3875

Re: Buy and Hold Forever Stocks

Good for you, guys, if this has worked out for you well! I see no reason to subscribe with the BH philosophy (even though my portfolio is 100% in sync with it apart from my 401 with sucky options) if you're willing to take the risk. Now, which stocks will you recommend to buy and hold today - that i...
by jay22
Tue Feb 24, 2015 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 93
Views: 6123

Re: 401K help

Yes, true. I put all my bonds allocation (10% TBM) in my wife's and mine IRAs, so I won't worry about them right now. Don't want to come across as too demanding to the HR. :D
by jay22
Mon Feb 23, 2015 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K help
Replies: 26
Views: 1594

Re: 401K help

So, just an update on my 401K options. I wrote to the HR about the need to include Index funds last year and was pleasantly surprised to get an email stating that they will be changing our 401K to include the following: BlackRock S&P 500 Stock Fund Investor A Shares BSPAX 0.37% Columbia Mid Cap ...
by jay22
Mon Feb 23, 2015 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K help
Replies: 26
Views: 1594

Re: The 8x retirement savings rule

ginmqi wrote:
William Bernstein says you've won the game when you have 25x your salary saved. Sounds like a great goal to me! 8-)

Salary, or annual expenses?
by jay22
Thu Feb 19, 2015 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: The 8x retirement savings rule
Replies: 83
Views: 7602

Re: Cell Phone Provider

I use Cricket Wireless - they were bought by AT&T sometime back, so the coverage is more of less similar. We pay $90 for 2 lines with unlimited talk, texts and 5 GB data each. Never had any problems!
by jay22
Fri Feb 13, 2015 11:29 am
 
Forum: Personal Consumer Issues
Topic: Cell Phone Provider
Replies: 22
Views: 1316

Re: Is "Financial Independence" the new "Retirement?"

Let me just say that my goal was always financial independence rather than retirement. Same here. The only reason I save money is so that I do not have to work for money when I have enough; and to have the freedom to walk out of a job I don't like/can't tolerate anymore and not worry about how I am...
by jay22
Thu Feb 12, 2015 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: Is "Financial Independence" the new "Retirement?"
Replies: 52
Views: 6719

Re: Best Small Cap Value Funds (Poll)

By no metric available to us would the Vanguard SCV fund or ETF be the best fund if one's sole objective were to capture the size and value premiums. The ONLY metric by which it MIGHT be considered the best SCV is cost. If you use VBR to tilt to small value, you have to use more of it than other SC...
by jay22
Thu Feb 12, 2015 11:37 am
 
Forum: Investing - Theory, News & General
Topic: Best Small Cap Value Funds (Poll)
Replies: 23
Views: 2603

Re: Best Small Cap Value Funds

What about plain old VB, folks?
by jay22
Tue Feb 10, 2015 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: Best Small Cap Value Funds
Replies: 43
Views: 4256

Re: Unhappy With Job Raise

My general advice for someone your age, which you may not love, is to keep your head down and just work hard for your first 2.5 years. Always take on more responsibility when offered, make yourself indispensable, make sure your boss likes you personally, network with the people above your boss who ...
by jay22
Fri Feb 06, 2015 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unhappy With Job Raise
Replies: 78
Views: 7578

Re: What exactly is "wealthy?"

Not sure about others, but I'd consider myself wealthy when I do not have to work for money anymore.
by jay22
Tue Feb 03, 2015 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: What exactly is "wealthy?"
Replies: 47
Views: 4034

Re: Anyone regret paying off mortgage early?

This has been a great thread. As new homeowners, my wife and I are trying to determine what would be the right amount to pay extra towards the principle. There is no way we can keep this mortgage for 30 years. If anyone has any insights on how to decide on the extra payments with my 4.125% interest...
by jay22
Thu Jan 22, 2015 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 38965

Re: Anyone regret paying off mortgage early?

This has been a great thread. As new homeowners, my wife and I are trying to determine what would be the right amount to pay extra towards the principle. There is no way we can keep this mortgage for 30 years. If anyone has any insights on how to decide on the extra payments with my 4.125% interest ...
by jay22
Thu Jan 22, 2015 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 38965

Re: New job....very little benefits, help!!

jwilly wrote:
leonard wrote:If you are looking to shield income from taxes, why are you contributing to a Roth?


Leonard: Hold off on the Roth and put the $5,500 in a Traditional to help with taxes?

I think that's a sound advice. That's what I did in my previous job where I didn't had a 401 to save on the taxes.
by jay22
Thu Jan 15, 2015 2:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: New job....very little benefits, help!!
Replies: 7
Views: 675

Re: 2000-2014

Does that mean that the SCV tilt actually gets rewarded eventually? :)
by jay22
Thu Jan 08, 2015 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: 2000-2014 [15 year returns]
Replies: 26
Views: 4159

Re: Having a lot of kids really paid off.

My parents have 6 kids. My brother is the oldest and he is 38. The youngest is 22. This last Christmas, we surprised our parents with a paid off house as Christmas gift. My mom cried and it was a very happy moment. Instead of giving them money every month for rent and other expenses, we put money t...
by jay22
Thu Jan 08, 2015 1:34 pm
 
Forum: Personal Consumer Issues
Topic: Having a lot of kids really paid off.
Replies: 17
Views: 2599

Re: Set and Forget Portfolio?

I'm in the Vanguard Target Retirement Income Fund and I don't have to do anything. Even Re-balance. Shipmate BM, is your TR Income fund in taxable, tax-advantaged, both? Thanks and have a Merry Christmas. Both. Thank you shipmate BM, you have a real set and forget portfolio. Good luck. I wanted to ...
by jay22
Mon Dec 22, 2014 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: Set and Forget Portfolio?
Replies: 21
Views: 2630

Re: Anyone prep for the PMP???

Bought this and studied it twice over the course of 2 months

http://www.amazon.com/Head-First-PMP-Je ... 449364918/

Never bothered with the PMBOK. For me, it was way too mundane and I would have never cleared the exam had I relied only on the PMBOK.
by jay22
Fri Dec 19, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Anyone prep for the PMP???
Replies: 17
Views: 3976

Re: What do you splurge on?

Doom&Gloom wrote:
flyingaway wrote:My wife is taking about splurging on a robotic vacuum cleaner this Christmas. I consider that as a "toy", not a serious vacuum cleaner.


You may re-consider after you see it in action. I had the same attitude, but we love ours.

Which one do you have; we're thinking of getting one as well.
by jay22
Tue Dec 09, 2014 5:07 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 24617

Re: Share your networth progression

Our parents gave us many things including love, sheltered, moral values and an education through high school. After leaving home (me 18 years, DW 19 years) they gave us good advice only. Everything else we did ourselves, the two of us, working together day-after-day, year-after-year. I have always ...
by jay22
Fri Dec 05, 2014 6:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 132
Views: 24741

Re: Giving money to your alma mater: Have to vent

I will make a donation to my alma mater the day they start paying more to the professors than to the football coach. I can't think of a single school that doesn't pay the professors significantly more than the football coach. The professors just choice to split the money evenly instead of paying th...
by jay22
Wed Dec 03, 2014 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Giving money to your alma mater: Have to vent
Replies: 166
Views: 16700

Re: Giving money to your alma mater: Have to vent

I will make a donation to my alma mater the day they start paying more to the professors than to the football coach.
by jay22
Wed Dec 03, 2014 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Giving money to your alma mater: Have to vent
Replies: 166
Views: 16700

Re: Favorite nonfiction books

mlipps wrote:Unbroken is undoubtedly one of mine, and it's on sale for the Kindle today for $3. I plan to see the movie with my parents on Christmas Day.

Same here. Read that book early this year and I am still in awe of that book. Probably the best book I've read in my lifetime.
by jay22
Tue Nov 25, 2014 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 10545

Re: Appliance Protection Plan

Appreciate your responses, as always. We're first time home buyers and this will be the first time we'll purchase all these appliances - which is the prime reason I am thinking whether it makes sense to buy the plan or not, since we don't have any experience with dealing with these repairs and how ...
by jay22
Fri Nov 14, 2014 7:40 pm
 
Forum: Personal Consumer Issues
Topic: Appliance Protection Plan
Replies: 13
Views: 748

Re: Does anyone here make "fun" purchases.

My frivolous purchase story: Last year I did an "exotic car tour." It cost $1000 and entailed spending a day driving through the mountains in a series of 8 exotic cars. Lamborghini, Maserati, Porsche, Lotus, etc. It was fantastic and I would totally do it again. It's a story I will tell m...
by jay22
Fri Nov 14, 2014 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 10948

Re: Appliance Protection Plan

Appreciate your responses, as always. We're first time home buyers and this will be the first time we'll purchase all these appliances - which is the prime reason I am thinking whether it makes sense to buy the plan or not, since we don't have any experience with dealing with these repairs and how m...
by jay22
Fri Nov 14, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Appliance Protection Plan
Replies: 13
Views: 748

Appliance Protection Plan

We're buying new appliances for the kitchen pretty soon (either from Lowes, or HD) and wondering if we need to buy the protections plans with it. HD is charging $200 for a 5 year protection plan for refrigerator (costs $1500) and $100 each for both washer and dryer (costs $500 each). What do you guy...
by jay22
Thu Nov 13, 2014 10:30 pm
 
Forum: Personal Consumer Issues
Topic: Appliance Protection Plan
Replies: 13
Views: 748

Re: Obligation to Parents?

I come from an Asian background and my husband is white. My parents were frugal and managed to save up over a million for retirement on a blue collar salary. So yes, you could say there were responsible. However, due to my sibling basically defrauding them of all their money, and then some serious ...
by jay22
Thu Nov 13, 2014 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obligation to Parents?
Replies: 77
Views: 4372

Re: Ashley Furniture

Ashley sells cheap furniture that is made in China. You can tell it's cheap by the joints, which are glued or stapled together. It will probably look and work perfectly fine for a number of years, but don't expect to pass it down to your children or grandchildren. For that kind of quality, you pay ...
by jay22
Tue Nov 04, 2014 12:05 pm
 
Forum: Personal Consumer Issues
Topic: Ashley Furniture
Replies: 42
Views: 3860

Re: Ashley Furniture

Thanks for all the replies. I am hesitant to buy any "soft" furniture (couch, mattress) from Craigslist/thrift stores because of obvious reasons. Don't want to deal with online stores because returns will be a pain if I need to make one. I know I can get a better deal from online stores, b...
by jay22
Tue Nov 04, 2014 11:19 am
 
Forum: Personal Consumer Issues
Topic: Ashley Furniture
Replies: 42
Views: 3860

Ashley Furniture

Has anyone here bought furniture from Ashley Furniture Store? We went there recently and liked the stuff, even though it seemed a bit more expensive that other stores. I don't mind spending the extra money if product is of good quality. Any reviews you guys can give? Thanks.
by jay22
Mon Nov 03, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Ashley Furniture
Replies: 42
Views: 3860

Re: Using your own equipment on Uverse and Comcast

The people who are using their own modem and router, which router do you use? Any recommendations? I am planning to buy my own and stop paying rent to Comcast.
by jay22
Wed Oct 29, 2014 5:43 pm
 
Forum: Personal Consumer Issues
Topic: Using your own equipment on Uverse and Comcast
Replies: 23
Views: 3013

Re: New appliances - Stainless Steel or not?

DTSC wrote:You mentioned that you wife wanted stainless steel. I guess that settles that.

/thread, I suppose. :D
by jay22
Tue Oct 28, 2014 8:18 pm
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 56
Views: 3889

Re: New appliances - Stainless Steel or not?

GregR wrote:
I thought you were going to ask if it worth the money

Well, do you think they are worth the money then?
by jay22
Tue Oct 28, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 56
Views: 3889

Re: New appliances - Stainless Steel or not?

We have a Frigadaire Gallery "smudge-proof" stainless steel stove, microwave and refrigerator - it has a protective coating on the stainless steel. We love it - it looks great and is easy to take care of. It's the only stainless steel kitchen appliance I would own. In contrast, we have a ...
by jay22
Tue Oct 28, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 56
Views: 3889

Re: New appliances - Stainless Steel or not?

EDIT: Do people realize that these are tools and not museum pieces? One of my new leading indicators for knowing if I have too much free time will be whether I am concerned about stainless steels susceptibility to finger prints. So, we buy tools that require less maintenance to look nice and clean,...
by jay22
Tue Oct 28, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 56
Views: 3889

New appliances - Stainless Steel or not?

We're getting ready to buy new appliances for our home and though my wife wants all SS appliances in the kitchen, I am a bit reluctant to go with those as I think cleaning them and maintaining them in general will be a pain. Is that true, or I am just being paranoid? What is your experience with SS ...
by jay22
Tue Oct 28, 2014 10:55 am
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 56
Views: 3889

Re: Buying First Home Opinions

I remember a thread on here a few months ago regarding 15 vs 30 year fixed rates and my recollection (by someone smarter than myself) was anything less than 1% of a difference btw 15 and 30 year fixed (with the difference invested vs paid down), the 30 year came out ahead. Over 1% difference btw th...
by jay22
Mon Oct 27, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying First Home Opinions
Replies: 17
Views: 1705

Re: Buying First Home Opinions

We were in your position last year with our 2nd house. We ended up with a 30 year and put an extra payment a month to principle. It doesnt completely offset the amount of interest but its a bit of a relief in case something happens (such as child #2) and we can scale back. If you decide to have kid...
by jay22
Mon Oct 27, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying First Home Opinions
Replies: 17
Views: 1705

Negotiations with lenders

After getting my offer accepted by the seller, I started negotiating the rates with 4-5 lenders. Their rates are equal, the only difference is the fees and buyer credit. Is there a way I can negotiate with these lenders asking for a better deal compared to what another one is offering? This is my fi...
by jay22
Tue Oct 21, 2014 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Negotiations with lenders
Replies: 3
Views: 455

Re: "I've had it" at work - how often

OT but, I am sure there's a lot of us who'll stay in the job we hate just to ensure that we're covered by the employer's health plan. That says a lot about how pathetic the healthcare system in this country is.
by jay22
Tue Oct 21, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12960

Re: How did you get from $1M to $10M

Thanks for the responses so far. 1. I want $10M because I want to spend it (meaningfully) and share it with others 2. My plan is to enjoy my work more and more as time goes by. So retiring is not a goal, it may be a choice at some point. 3. When I reach $10M, look for my next post of going from $10...
by jay22
Thu Oct 16, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you get from $1M to $10M
Replies: 46
Views: 4232

Re: Headed for a 300+ point loss today?

Kicking myself right now that I don't have spare cash to throw in the market. Need to save for the down payment of the house we're buying soon. The market's been going down steadily since I last made purchases for the taxable account. Ugh!
by jay22
Mon Oct 13, 2014 5:15 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 37084

Re: Wife Expecting, Down to One Income Source

surfstar wrote:
Calm Man wrote:So guys, don't quite work because you have a child.....


I don't have any kids, but want to quit working!

You are not alone, my friend. :D
by jay22
Tue Oct 07, 2014 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife Expecting, Down to One Income Source
Replies: 116
Views: 9373

Re: How can I stop feeling depressed about my finances?

Give technical/proposal writing a serious consideration. A friend of mine with similar background as yours started working as one couple of years ago and makes 70K today. Pretty good for a 27 year old.
by jay22
Mon Oct 06, 2014 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 15349

Re: Advisable to buy a home for short term?

I like the rule of thumb "5 years or less, rent. 5 or more, buy." It's just a rule of thumb and you'll want to run the numbers either way, but in our situation we have found it to be pretty reliable. My wife and I just went through this mental exercise on a timeline of about 3-4 years. Wh...
by jay22
Mon Oct 06, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Advisable to buy a home for short term?
Replies: 10
Views: 1336

Re: Advisable to buy a home for short term?

I don't think it makes any sense to pick a house based on good schools for children who aren't even conceived yet. So many things could change in 7-8 years. You could end up getting new jobs in an entirely different part of the country. New schools could open, existing schools could improve or get ...
by jay22
Mon Oct 06, 2014 10:26 am
 
Forum: Personal Consumer Issues
Topic: Advisable to buy a home for short term?
Replies: 10
Views: 1336
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