Search found 80 matches

by bampf
Fri Feb 09, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Not happy where we live
Replies: 26
Views: 2827

Re: Not happy where we live

Happiness is one of the most important things in life and if you really don't like your area it will just grind at you until something breaks. Happiness can also be independent of income to some extent. Its ok to scale back your lifestyle if that's not what brings you true joy. The stress of a move...
by bampf
Mon Feb 05, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: Potential employer wants me to give offer - how to respond?
Replies: 58
Views: 4939

Re: Potential employer wants me to give offer - how to respond?

Alternatively you can ask "what is the salary range for this position?". Finally, they really can't ask you what you make anymore, which makes it harder all the way around. I am interested in this. Why? I have been around a bit on the interview circuit and this seems like a common theme. Everyone w...
by bampf
Mon Feb 05, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Potential employer wants me to give offer - how to respond?
Replies: 58
Views: 4939

Re: Potential employer wants me to give offer - how to respond?

There is a rule in negotiation: "the first to give a number loses". I would not mention a number. As others have said, ask what the salary range is for the position. They are the ones doing the hiring, so they should be giving you an offer. This is 2018, the first to give a number doesn't lose if y...
by bampf
Sun Feb 04, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Potential employer wants me to give offer - how to respond?
Replies: 58
Views: 4939

Re: Potential employer wants me to give offer - how to respond?

I hire a lot. Ranges are usually fixed. I think instead of worrying about what you could get, you should think about what you want and what it would take to move. If you make $100K then $120K is a reasonable approximation. Alternatively you can ask "what is the salary range for this position?". Fina...
by bampf
Sat Feb 03, 2018 1:43 am
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 46380

Re: Today was a Really Bad Day

I am kind of considering selling, maybe it’s silly, but my funds are newly in the market for only 1-2 months. Scary time when they said interest rate goes up and bond yield rise then stock crash? Why is that? Isn’t stock hedge inflation? There is this "Thing" about this board, and many of the messa...
by bampf
Wed Jan 31, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Denver Metro Real Estate market
Replies: 17
Views: 1302

Re: Denver Metro Real Estate market

Concur with many of the posters. I-25 corridor is reasonable. If you are in the Thornton area, you would/should consider the toll road as an additional $10 a day in expense. Louisville is insane right now and will be forever. Longmont is starting to get insane, but, North and or west isn't too bad. ...
by bampf
Tue Jan 16, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Friend Got Laid Off - Advice Needed
Replies: 46
Views: 5099

Re: Friend Got Laid Off - Advice Needed

I am puzzled when people say the cloud is making software engineering obsolete. The unemployment in Colorado for high tech is right around 2 to 3%. There are a ton of jobs if you are able to sling code. Layoffs suck. That being said, $100K is not a huge sum from a salary perspective and he can very ...
by bampf
Mon Jan 15, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 53
Views: 4900

Re: A "Home" cell phone?

Google Voice. OOBI
by bampf
Tue Jan 09, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: home inspection on house I already live in?
Replies: 22
Views: 1965

Re: home inspection on house I already live in?

I didn’t when I bought the home I was renting. My experience is most inspections miss things anyway. Rather, I’d just have (at your cost) an HVAC, termite, etc person come out and tell you what they think I agree with this. I have never had a home inspection that provided anything meaningful. I don...
by bampf
Tue Jan 09, 2018 1:16 am
Forum: Personal Finance (Not Investing)
Topic: When the rubber hits the road [Progressive Dementia thread with merged updates]
Replies: 106
Views: 8068

Re: The reality hits - my dementia update

in_reality wrote:
Tue Jan 09, 2018 1:13 am
What happened with the Hawaii purchase?
Right? I need to know this. I have made serious stupid choices on occasion... Share if you can so I can dodge that particular trap...
by bampf
Tue Jan 09, 2018 1:14 am
Forum: Personal Finance (Not Investing)
Topic: When the rubber hits the road [Progressive Dementia thread with merged updates]
Replies: 106
Views: 8068

Re: The reality hits - my dementia update

I just finished the book "A man Called Ove". Tonight I watched the movie (in swedish) with my wife. If you get the chance, you may enjoy the movie or the book. It really deals with all kinds of issues of loss, grief, change and some very simple joys. I wish you peace and happiness.

-Bampf
by bampf
Mon Jan 08, 2018 1:53 am
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 8941

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

IMHO, those threads are confirmations that the BH methods work, regardless of income levels. Encouragements to stay the course when markets tank. They are examples of people who make it via BH method despite 1987, 2000, 2008 so I will stick to my AA when the next one hit. The actionable benefits of...
by bampf
Thu Dec 28, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: New Tax Bill -- Should we open a Donor Advised Fund (DAF) before the end of the year?
Replies: 67
Views: 2899

Re: New Tax Bill -- Should we open a Donor Advised Fund (DAF) before the end of the year?

I spoke too soon. Vanguard has apparently pulled FIFO instead of the specific lot I asked for as part of my DAF funding yesterday. That is annoying. I will try and fix it. This is harder then it should be. I donate right from my account and it is beyond silly that I have to call and speak to someon...
by bampf
Thu Dec 28, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone had problems gifting Vanguard shares to an organization?
Replies: 37
Views: 3385

Re: Has anyone had problems gifting Vanguard shares to an organization?

Why not create A DAF (Donar Advised Fund) and forget about it?
by bampf
Thu Dec 28, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: New Tax Bill -- Should we open a Donor Advised Fund (DAF) before the end of the year?
Replies: 67
Views: 2899

Re: New Tax Bill -- Should we open a Donor Advised Fund (DAF) before the end of the year?

I spoke too soon. Vanguard has apparently pulled FIFO instead of the specific lot I asked for as part of my DAF funding yesterday. That is annoying. I will try and fix it. This is harder then it should be. I donate right from my account and it is beyond silly that I have to call and speak to someone...
by bampf
Thu Dec 28, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: New Tax Bill -- Should we open a Donor Advised Fund (DAF) before the end of the year?
Replies: 67
Views: 2899

Re: New Tax Bill -- Should we open a Donor Advised Fund (DAF) before the end of the year?

Opened and funded a DAF with Vanguard yesterday. Three phone calls and about 30 minutes just to pick the right lot of stock. I could have faxed in a bit of paper, but, that offends me. (Fax machine?? Really?) Annoyed about the $250, but, moot for a time I suppose. Anyway, I did it, it saved me some ...
by bampf
Mon Dec 18, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: New Car - Always use parking brake ?
Replies: 72
Views: 7098

Re: New Car - Always use parking brake ?

Note: This is a mechanical rotation/adjustment of the disk brake pistons. Anyone who does their own brakes knows the joy of using the special toolset to back the piston all the way out to make room for new pads. I use a large wrench over the Piston, then a c-clamp to squeeze the Piston down. Seems ...
by bampf
Mon Dec 18, 2017 7:19 am
Forum: Investing - Theory, News & General
Topic: 2nd million is easier!
Replies: 123
Views: 23885

Re: 2nd million is easier!

These kinds of threads are important. (At least to me). I am doing pretty well (exceedingly well compared to most segments of the population). However, I read something like this and it makes me think about my plan, and my trajectory. It helps reaffirm my goals and my actions as I approach retiremen...
by bampf
Mon Dec 18, 2017 6:50 am
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 102
Views: 11183

Re: Any Instant Pot users here?

Love it. Do it.
by bampf
Sun Dec 17, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Gap Year, Sabbatical, Leave of Absence - Questioning My Sanity
Replies: 32
Views: 3922

Re: Gap Year, Sabbatical, Leave of Absence - Questioning My Sanity

I have worked non-stop since I was 14. Many times I have had two or even three jobs (although not in many years). I have done well financially and I am in pretty good shape. I have never had just a year to think about what I want out of life and live as I see fit. Kids have made that somewhat imprac...
by bampf
Sun Dec 03, 2017 10:38 pm
Forum: Personal Consumer Issues
Topic: Priority Pass- not quite totally useful
Replies: 19
Views: 2183

Re: Priority Pass- not quite totally useful

I have it. Its great when the club you really want isn't available. But in general the lounges are smaller, less clean and less upscale. But, it beats the hell out of sitting in the normal airport chairs. Wouldn't go out and get one, but, nice perk with the chase card...
by bampf
Fri Dec 01, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: Best small Drone
Replies: 11
Views: 774

Re: Best small Drone

I fly an inspire 1. Stupid easy to fly, relatively in expensive. Fast, great pictures etc...
by bampf
Sat Nov 25, 2017 4:46 pm
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 84
Views: 12887

Re: Water Heater Install $1,800!

1 - Pipe cutter $12 2- Sharkbite hotwater heater connecting hoses $40 1- Gas connection line (yellow) $25 1- Overflow drain $7.99 Plumbers tape - $.99 1- Hot water heater of choice at what ever cost you are willing. Turn off the water. Turn off heater. Make sure gas to heater is off. Attach hose to...
by bampf
Sat Nov 25, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: Security issues with having hard drive replaced?
Replies: 11
Views: 674

Re: Security issues with having hard drive replaced?

While it is technically possible to install firmware on your hard drive to do interesting things, it isn't something you should worry about. If you were a national power developing super secret stuff, yes, you should worry about that. In reality you are not of interest to anyone that could do someth...
by bampf
Sat Nov 11, 2017 5:56 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 140
Views: 10270

Re: Thouhgts about wearing a "uniform"/same thing everyday?

Dress shirt, sport coat and jeans. Three different jeans, three different shirts. Three different sport coats. Probably a total of 10 shirts, 6 jeans and 6 coats. Doesn't matter which I wear with what, they all fit, they all work and I could quite literally give a rats a$$ about them. They look fine...
by bampf
Wed Nov 01, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Giving up on Quicken? (and expense tracking software altogether)
Replies: 73
Views: 5968

Re: Giving up on Quicken? (and expense tracking software altogether)

After 20 years of Quicken I pitched it a year ago. No regrets. I never write check's anymore. My transactions are all on line. I need not pay some company every year to give me a product that has planned ways to extract more money out of my wallet. Its actually pretty liberating. I literally could c...
by bampf
Thu Oct 26, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Fix or replace my vehicle
Replies: 33
Views: 1757

Re: Fix or replace my vehicle

I fix my own cars for the most part. It is a lot of work but I enjoy it and I like my cars. If you don't like the car, why would you fix it? Buy something you like. Take care of that car.
by bampf
Wed Oct 25, 2017 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Need Investment Advice [What to do with rental home?]
Replies: 6
Views: 524

Re: Need Investment Advice [What to do with rental home?]

Ok, still no meaningful information. However, at 30 with 70k, I would consolidate everything into vanguard, put all of my investments in vdi (both pretax and tax sheltered.). I did the rental game for years. It was fine until it wasn't. Then it was bad. Evictions, drugs etc etc. I might reconsider r...
by bampf
Sun Oct 22, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Helping college costs of grandchildren
Replies: 37
Views: 2602

Re: Helping college costs of grandchildren

You don't owe your children an explanation as to how you spend your money. Each family has different dynamics, but do you feel that you'd even need to tell your childless children that you gave money to their nieces/nephews for college? Something else to consider along the same lines. We are that f...
by bampf
Fri Oct 20, 2017 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Need Investment Advice [What to do with rental home?]
Replies: 6
Views: 524

Re: Need Investment Advice [What to do with rental home?]

You really haven't given us anything to work with. I half doubt this is a serious question. I have had several rental properties and they are fine for what they are. They gave me an alternative to the stock market, but, they take work. I have no idea what your income is, how old you are, what you ar...
by bampf
Mon Oct 16, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: UTMA accounts
Replies: 17
Views: 763

Re: UTMA accounts


Do they know about it? The monies are technically theirs, it was an irrevocable gift.
They don't really know about it. They know we have put aside monies but not how much. We have always said it would be for school, first house and that sort of thing.

Thanks again!
by bampf
Mon Oct 16, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: UTMA accounts
Replies: 17
Views: 763

Re: UTMA accounts

Thanks for all the advice folks. 21 is the age turnover where I am so that works out better. By then they will have 3 more years of experience and it is all good. Very much appreciate it.
by bampf
Mon Oct 16, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: UTMA accounts
Replies: 17
Views: 763

UTMA accounts

Some years ago I populated some UTMA accounts for my kids. At the time it seemed like the right thing to do. However, as they get older I worry about whether they are mature enough to manage that money once they turn 18. In retrospect I think having the accounts turn over at 21 or upon graduation fr...
by bampf
Sun Oct 08, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 6016

Re: Is there boglehead consensus on buying a car?

Consider something like ecarone. They sell used just off lease high end vehicles. I have had really good luck with them. (Four cars purchased so far...).
by bampf
Thu Oct 05, 2017 7:22 am
Forum: Personal Finance (Not Investing)
Topic: That blank stare... ?
Replies: 49
Views: 3422

Re: That blank stare... ?

Its actually worse than a blank stare. She really has no idea and doesn't want any idea. It baffles me but, there you go...
by bampf
Fri Sep 29, 2017 8:20 am
Forum: Investing - Theory, News & General
Topic: 3 stages of Financial Independence
Replies: 63
Views: 8434

Re: 3 stages of Financial Independence

Pajamas wrote:
Fri Sep 29, 2017 8:13 am
What's an OMY?
One More Year.
by bampf
Fri Sep 22, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Realtor to buy home?
Replies: 36
Views: 3268

Re: Realtor to buy home?

I see this a lot. That simply isn't true. The buyer pays all real estate commission. The buyer pays for the entire house and by extension the real estate commissions... If there is only a 3% commission for buying and selling agents in total, that means you can generally expect a 3% decrease in the ...
by bampf
Fri Sep 22, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Realtor to buy home?
Replies: 36
Views: 3268

Re: Realtor to buy home?

Sellers usually pay all realtor commissions (at least in my area), so unless your son specifically gets the house for a lower amount due to the seller not having to pay a buyers agent commission, there is no harm in using one. I see this a lot. That simply isn't true. The buyer pays all real estate...
by bampf
Tue Sep 19, 2017 5:39 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 27693

Re: Name something you had to have and now you regret purchasing it?

Well, if it makes you feel any better, I got the Sonos playbar, and it does not work very well - sound cuts out for a second or two every once in awhile, the "surround" sound with two player1's does not work that well, and voice lags behind the video. For $800 I would expect more. Sonos blames the ...
by bampf
Tue Sep 19, 2017 5:11 am
Forum: Personal Finance (Not Investing)
Topic: To apply for new position or not?
Replies: 6
Views: 670

Re: To apply for new position or not?

At the age of 27, you have about 25 years of work left in you (more or less). Your salary is a relatively low on the continuum of salaries in IT. After 3 years, you have put in your time and you should consider what your next job should be. A 15% raise is not unreasonable for a new position and will...
by bampf
Sat Aug 26, 2017 12:49 am
Forum: Personal Consumer Issues
Topic: Vehicle Toubleshooting (multiple issues)
Replies: 61
Views: 3615

Re: Vehicle Toubleshooting (multiple issues)

Battery is the simplest explanation.
by bampf
Sat Aug 26, 2017 12:49 am
Forum: Personal Consumer Issues
Topic: Vehicle Toubleshooting (multiple issues)
Replies: 61
Views: 3615

Re: Vehicle Toubleshooting (multiple issues)

Battery is the simplest explanation.
by bampf
Fri Aug 25, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: Fixing Slow Drains
Replies: 40
Views: 3722

Re: Fixing Slow Drains

Consider this:

Google GrabEASY-Flexible-Reusuable-Grabber-Retriever

It works well because you can explicitly grab the nasty.
by bampf
Fri Aug 25, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefits
Replies: 31
Views: 3187

Re: Social Security Benefits

All, Thanks for your comments. First, the presumption that this is about maximizing wealth is flawed. Really, the question I was asking myself is "How long do I have to keep going or can I punch out of the race early." It isn't about "I want my $2 but rather when can I stop running?" Next, I don't ...
by bampf
Thu Aug 24, 2017 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefits
Replies: 31
Views: 3187

Re: Social Security Benefits

All, Thanks for your comments. First, the presumption that this is about maximizing wealth is flawed. Really, the question I was asking myself is "How long do I have to keep going or can I punch out of the race early." It isn't about "I want my $2 but rather when can I stop running?" Next, I don't m...
by bampf
Thu Aug 24, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefits
Replies: 31
Views: 3187

Re: Social Security Benefits

Maybe I'm missing your point. If you stop work at 67 but delay benefits until 70, I'd estimate that the benefits are the same as if you continue to work till 70. I think my point is that if I quit work at 50, I only lose ~$250 a month if I take benefits at 62. It would take a whole lot of years to ...
by bampf
Thu Aug 24, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefits
Replies: 31
Views: 3187

Re: Social Security Benefits

Maybe I'm missing your point. If you stop work at 67 but delay benefits until 70, I'd estimate that the benefits are the same as if you continue to work till 70. I think my point is that if I quit work at 50, I only lose ~$250 a month if I take benefits at 62. It would take a whole lot of years to ...
by bampf
Thu Aug 24, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefits
Replies: 31
Views: 3187

Social Security Benefits

Folks, I just did a rough check of what I might expect in benefits. It also had a little feature that suggested I could stop contributing at a certain age and they could estimate my benefits for me. It surprised me a bit. I pay about $7300 a year towards SS. Check this out: At age 62 $400,000 a year...