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Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

I "made it" as a graduate student in Berkeley making $18k/year. Having lived here for about 15 years, I'd say that the magic number all depends on your definition of "made it". :beer
by thomasbayarea
Wed Apr 08, 2015 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 10938

Re: Can I afford it?

Yes you can afford it, so go buy the car. You won't be 31 years old with 150k again.
by thomasbayarea
Tue Mar 03, 2015 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Can I afford it?
Replies: 59
Views: 5888

Re: Tenants won't let us show the rental: what do we do?

Kickback? You must be kidding! The renters have something to hide.
by thomasbayarea
Sat Feb 14, 2015 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tenants won't let us show the rental: what do we do?
Replies: 60
Views: 7236

Re: San Francisco Bay Area Bogleheads?

I'd like to meet, count me in.
by thomasbayarea
Tue Feb 03, 2015 5:26 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: San Francisco Bay Area Bogleheads?
Replies: 18
Views: 2401

Re: 4 essential documents: Suze Orman

I too recommend Nolo. Very high quality material at very reasonable prices. They also offer software that I use (for wills, for landlording, etc)
by thomasbayarea
Fri Jan 30, 2015 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: 4 essential documents: Suze Orman
Replies: 27
Views: 3772

Which Tablet?

Our 1st Gen iPad is on it's last legs. We're in the market for a new 9-10 inch tablet. Any recommendations?

I use an Android phone. DW uses an iPhone 5... The OS does not matter very much. We have a little paid content in iTunes, but we don't watch it very often.
by thomasbayarea
Mon Nov 10, 2014 6:14 pm
 
Forum: Personal Consumer Issues
Topic: Which Tablet?
Replies: 24
Views: 2071

Re: All inclusive resort in Puerto Vallarta

How is this place called Melia?

http://www.oyster.com/puerto-vallarta/h ... ch-resort/

Any personal reviews?
by thomasbayarea
Fri Nov 07, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: All inclusive resort in Puerto Vallarta
Replies: 11
Views: 1876

Re: All inclusive resort in Puerto Vallarta

Marival Residences and World Spa is sublime. However, with kids the sister property Marival Resort and Suites might be more appropriate. Unfortunately it's not even in the same league... but that's one of the sacrifices for bringing the kids. Wow, we were seriously considering Marival Resort and Su...
by thomasbayarea
Thu Nov 06, 2014 8:20 pm
 
Forum: Personal Consumer Issues
Topic: All inclusive resort in Puerto Vallarta
Replies: 11
Views: 1876

All inclusive resort in Puerto Vallarta

Can anyone recommend an all inclusive resort in Puerto Vallarta ... for 2 adults and 2 kids (aged 3 and 7).

Looking to go end of December (25th - 30th). I see lots of options, reviews, pictures, ratings online (information overload)... Any personal recommendations? Thanks.
by thomasbayarea
Thu Nov 06, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: All inclusive resort in Puerto Vallarta
Replies: 11
Views: 1876

What do you set your thermostat to (in F)?

With the winter approaching, I was wondering - what do you set your thermostat to (in F)?

At say 8PM, when everyone is awake, eating dinner, doing homework, watching TV, etc?
by thomasbayarea
Tue Nov 04, 2014 1:09 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 5020

Re: Possible Relocation to San Francisco - Advice?

1. Any advice regarding specific neighborhoods a couple of newbies should target or consider? We'd want to live in the city. His job would be in the financial district for the record, and hopefully mine would be too. We are scheduled to visit for a long weekend in December. He'll meet the team, and...
by thomasbayarea
Wed Oct 29, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Possible Relocation to San Francisco - Advice?
Replies: 23
Views: 1734

Re: How to achieve a balance between "saving" and "living"?!

Don't buy an expensive Street Glide. I've been motorcycling for 20+ years and the one thing I have learnt is that it does not take a super expensive motorcycle to enjoy the sport. I've had much more fun on a beater SV650 than an expensive Beemer. If you are all bent on a Harley, pick up a used Sport...
by thomasbayarea
Wed Sep 24, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 64
Views: 6894

Re: Affording a 1.3 million home?

What am I missing?

You have $920k in savings before taxes. You want to buy a $1.3M house. You earn $275k/year.

Should be a walk in the park ... Good luck :sharebeer
by thomasbayarea
Thu Aug 07, 2014 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 122
Views: 19823

Re: Investing for Home Downpayment in Bay Area (California)

Save 20% and buy a house you can afford with your current salary. There is no advantage in waiting till you have saved 60%.
by thomasbayarea
Tue Aug 05, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing for Home Downpayment in Bay Area (California)
Replies: 12
Views: 1384

Re: Taxable v/s pay down mortgage v/s I Savings Bonds

Grt2bOutdoors wrote:How stable is your employment? 6-9 months is on the low side of an e-fund.
Employment is fairly stable, by Silicon Valley standards :happy In the event of an extreme emergency, we have the Roths, i-bonds and home equity.
by thomasbayarea
Fri Jun 20, 2014 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable v/s pay down mortgage v/s I Savings Bonds
Replies: 9
Views: 908

Re: Taxable v/s pay down mortgage v/s I Savings Bonds

MooseandBear wrote:Is a coverdell of interest? Small max each year but another tax advantaged account.
We have enough money invested in 529s so the additional $2k per year is not very attractive. Also, we don't want to overfund the 529s ... thanks.
by thomasbayarea
Fri Jun 20, 2014 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable v/s pay down mortgage v/s I Savings Bonds
Replies: 9
Views: 908

Taxable v/s pay down mortgage v/s I Savings Bonds

To wise folks at Bogleheads.org, here is a brief summary - ** We maximize all tax advantaged contributions (401k, Roth-IRA and HSA), with the exception of I Savings Bonds ** We pay AMT ** We have very little taxable funds, almost all were liquidated to buy our house last year ** We hold a 5/5 PenFed...
by thomasbayarea
Thu Jun 19, 2014 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable v/s pay down mortgage v/s I Savings Bonds
Replies: 9
Views: 908

Re: College & PhD vs $250k working

I did not read all the replies. Here are my thoughts. 1. PhD years always count as "experience". 2. My company regularly hires PhD Chemists and pays them upwards of $150k salary with $100-$200k in RSU/options, incentives. I recently made such an offer to a Stanford grad and he declined :oo...
by thomasbayarea
Wed Jun 11, 2014 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: College & PhD vs $250k working
Replies: 104
Views: 7905

Re: Boston with kids

Thanks everyone!
by thomasbayarea
Mon Jun 02, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: Boston with kids
Replies: 10
Views: 605

Boston with kids

We are going to be in Boston (for a graduation) this week. We have two free days. Any recommendations on kids activities (aged 6 and 2)?

Thank you!
by thomasbayarea
Mon Jun 02, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: Boston with kids
Replies: 10
Views: 605

Re: UCLA vs USC Decision [Which college to attend]

Why not run a simple A/B test? Create two identical resumes, one with USC+major and one with UCLA+major. Host them on indeed.com and check out how many hits you get from employers. My own Silicon Valley "gut feel" is that Econ majors are way more in demand than business majors and MBAs. UC...
by thomasbayarea
Thu May 15, 2014 9:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: UCLA vs USC Decision [Which college to attend]
Replies: 62
Views: 4481

Re: Talk me out of buying a Porsche convertible. Turning 40

The Accord Hybrid (probably a $35,000 car) will be more expensive than the Porsche.

The Porsche will always deliver more smiles per mile ... and that's what (often) counts.

Enjoy :sharebeer
by thomasbayarea
Wed May 14, 2014 11:17 am
 
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Porsche convertible. Turning 40 soon
Replies: 42
Views: 5475

Re: Share your networth progression

The last two years have been interesting ...

Image
by thomasbayarea
Tue May 13, 2014 11:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 132
Views: 25058

Re: Stock Market to Plunge? What a friend said.

Sell! Sell! Sell!



/sarcasm
by thomasbayarea
Tue May 13, 2014 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: Stock Market to Plunge? What a friend said.
Replies: 78
Views: 6276

Re: Cars for tall people

I am also tall and have driven many cars. Two cars really stood out in terms of head room for tall people --

Mini Cooper convertible

VW New Beetle
by thomasbayarea
Sat May 10, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Cars for tall people
Replies: 35
Views: 3142

Re: Refi into Pen Fed 5/5 ARM

One thing that I did feel a bit odd about the loan though is that the index interest rate that they use to set the loan is sort of a vague "current index" and they reserve the right to change what index they use. If you dig through the fine print you can find the current details but it se...
by thomasbayarea
Wed May 07, 2014 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refi into Pen Fed 5/5 ARM
Replies: 5
Views: 910

Re: Which car to get?

My vote -->

1. C300
2. Accord
3. ILX
by thomasbayarea
Tue May 06, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Which car to get?
Replies: 10
Views: 868

Re: Buying first home in SF - gut check

So we bought a house! We ended up increasing our budget (by increasing the down payment, not the mortgage) as we were not happy with the homes we saw in that price range save for a few that we got outbid on :( . But we ended up with a large 4 bedroom down-to-the-studs remodel in the exact neighborh...
by thomasbayarea
Fri May 02, 2014 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying first home in SF - gut check
Replies: 93
Views: 10681

Re: Bitcoin knockoff

My favorite has always been dogecoin
Image
by thomasbayarea
Mon Apr 14, 2014 3:36 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin knockoff
Replies: 6
Views: 718

Re: 1 Nice car vs 2 Decent cars (daily driver/weekend car)?

I have always been a two car guy (in addition to the wife's car). Porsche 911 is the weekend garage queen, and the Nissan Maxima or Toyota Prius have been the cheap commuters. Here are some ridiculous reasons I have used to justify this to myself.... If the Porsche breaks, there is no hurry to fix i...
by thomasbayarea
Sun Apr 06, 2014 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1 Nice car vs 2 Decent cars (daily driver/weekend car)?
Replies: 34
Views: 3026

Re: Laid off today... TODO list?

Don't forget to...

Breathe, it's not the end of the world.

Celebrate, by that I mean wine or scotch, not champagne.

The rest is all easy :sharebeer
by thomasbayarea
Wed Apr 02, 2014 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 12886

Re: Buying first home in SF - gut check

My wife and I are considering purchasing our first home in San Francisco. A little bit about us: Age: Both 28 Jobs: stable Income: ~$430k with vesting RSUs. If you consider salary only then ~$230k Portfolio: $2.5M (mostly diversified index funds but a small amount of that is vested company stock th...
by thomasbayarea
Thu Mar 27, 2014 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying first home in SF - gut check
Replies: 93
Views: 10681

Re: New Housing Bubble and upcoming cycle peak

Clearly_Irrational wrote:most likely peak somewhere in 2015 and the stock market crash sometime in 2016
Past performance does not necessarily predict future results.
by thomasbayarea
Tue Mar 25, 2014 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: New Housing Bubble and upcoming cycle peak
Replies: 81
Views: 9902

Re: Children: Are they worth every penny?

For me, children trump everything. They are worth MORE than every penny out there.

Unfortunately my wife's medical condition prevented us from having more than 2 kids. If you are healthy and children bring you joy - why not?
by thomasbayarea
Wed Mar 19, 2014 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Children: Are they worth every penny?
Replies: 68
Views: 5203

Re: Out the door price for new car

In California, Law AB 1215 limits dealer documentation fee to $80 . Pretty much every dealer charges that.

http://www.leginfo.ca.gov/pub/11-12/bil ... en_v94.pdf
by thomasbayarea
Tue Mar 18, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: Out the door price for new car
Replies: 30
Views: 3237

Re: PenFed v. Truecar v. BJs v. Costco auto buying

They all use the same backend service: "Zag" which is owned and operated by Truecar.
by thomasbayarea
Thu Mar 06, 2014 4:31 pm
 
Forum: Personal Consumer Issues
Topic: PenFed v. Truecar v. BJs v. Costco auto buying
Replies: 24
Views: 7376

Re: 2010 Volvo V50 2.4i

Update -- Deal did not go through. Unresponsive dealer, too many add-on extra fees and ambiguous response to inspections, shipping, etc.

I guess I will keep on searching :D
by thomasbayarea
Wed Mar 05, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: 2010 Volvo V50 2.4i
Replies: 12
Views: 661

Re: Time for a new car?

Do not buy a new car!

At 25,000 miles a year, you are going to "destroy" the car in 6-8 years. You might as well destroy a 15k Camry instead of a 40k Lexus.
by thomasbayarea
Sun Mar 02, 2014 5:49 pm
 
Forum: Personal Consumer Issues
Topic: Time for a new car?
Replies: 26
Views: 1351

Re: 2010 Volvo V50 2.4i

I would never buy a used car sight unseen. Factor in a 1-way flight cost (assuming you'll drive back) + the time into your online purchase "value" calculation. If that's a deal breaker, then I would move on and find something closer to home. Volvos are surprisingly expensive in the Bay Ar...
by thomasbayarea
Fri Feb 28, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: 2010 Volvo V50 2.4i
Replies: 12
Views: 661

Re: 2010 Volvo V50 2.4i

I am a long time Volvo owner. They can be very expensive to repair -- similar to other European cars like Audi, Mercedes, BMW. I have no experience with the V50, but can tell you that my S60, now 11 years old, can whack me pretty good. Nothing costs less than $400, and $1200 can happen at any time....
by thomasbayarea
Fri Feb 28, 2014 9:03 am
 
Forum: Personal Consumer Issues
Topic: 2010 Volvo V50 2.4i
Replies: 12
Views: 661

Re: 2010 Volvo V50 2.4i

Can you specify what info you are looking for? Are you worried about the car model or the buying process (buying a car unseen and shipping the car)? Otherwise you will get bogleheads posting about Subarus being the best. :D I'm worried about: - Maintenance & repair costs on a 5 year old Volvo j...
by thomasbayarea
Thu Feb 27, 2014 8:25 pm
 
Forum: Personal Consumer Issues
Topic: 2010 Volvo V50 2.4i
Replies: 12
Views: 661

2010 Volvo V50 2.4i

I am buying a car for the wife, I was wondering if Bogleheads could chime in with some comments or advice. This car specifically Wife has fallen in love with Volvo's (especially the V50 wagons) so please don't recommend the Fit :D I'm going to strike a deal with the dealer and ship the car to Califo...
by thomasbayarea
Thu Feb 27, 2014 8:11 pm
 
Forum: Personal Consumer Issues
Topic: 2010 Volvo V50 2.4i
Replies: 12
Views: 661

Re: Market Crash Stategies?

Am I the only one here who loves market crashes?

I buy every Friday, rain or shine, crash or pop. I love down markets - i guess I'm a cheapskate.

PS: I have 30+ years to go.
by thomasbayarea
Wed Feb 19, 2014 11:21 pm
 
Forum: Investing - Theory, News & General
Topic: Market Crash Stategies?
Replies: 40
Views: 3515

Re: Penfed 15/15 Adjustable Rate Mortgage

Unlike the 5/5 ARM, you will need to pay closing costs. This loan has a 1% origination fee on top of that. This loan also has a 6% adjustment cap. That's pretty steep, even if it is the only adjustment you'd have during the life of the loan. The initial rate isn't all that attractive, either. PenFe...
by thomasbayarea
Wed Feb 12, 2014 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Penfed 15/15 Adjustable Rate Mortgage
Replies: 7
Views: 1877

Penfed 15/15 Adjustable Rate Mortgage

Penfed now offers an interesting product: 15/15 ARM (i.e. a 30 year mortgage that resets only once midway)

https://www.penfed.org/1515-Adjustable-Rate-Mortgage/
by thomasbayarea
Wed Feb 12, 2014 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Penfed 15/15 Adjustable Rate Mortgage
Replies: 7
Views: 1877

Re: How long does it take to do your taxes?

Usually about 10 hours using TaxAct
by thomasbayarea
Mon Feb 10, 2014 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long does it take to do your taxes?
Replies: 53
Views: 3187

Re: PenFed 5/5 ARM at 2.875%??!!

2.75% today 2/5/2014
by thomasbayarea
Wed Feb 05, 2014 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed 5/5 ARM at 2.875%??!!
Replies: 64
Views: 10545
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