Search found 387 matches

by bogleblitz
Wed Jun 28, 2017 2:32 am
Forum: Personal Finance (Not Investing)
Topic: Middle age job blues
Replies: 86
Views: 7569

Re: Middle age job blues

a similar thread from a year ago:

viewtopic.php?t=199157
by bogleblitz
Tue Jun 27, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Middle age job blues
Replies: 86
Views: 7569

Re: Middle age job blues

This post is scary. Are there any positive stories from people in similar situation? I don't know what a positive story would look like. But something like, I never got laid off, organizations considered me a real asset over younglings, I found many employers willing to hire me, I found so many oth...
by bogleblitz
Tue Jun 27, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Middle age job blues
Replies: 86
Views: 7569

Re: Middle age job blues

I'm 40 and already feel old for programming. I think changing jobs would be my recommendation. It is good idea to change every 3-4 years and not be in the same company for more than 6+ years. Big companies like Oracle, Dell, Raytheon are fine with with older people. Startups, facebook, google hire m...
by bogleblitz
Wed May 17, 2017 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 5987

Re: Convince me to get back into stocks!

I recommend doing it slowly. Like convert 10% into stocks every month. or convert 10% into stocks every 3 months.

until you get to your desire allocation 75% stock/ 25% cash or bonds would be pretty safe for a 27 year old.
by bogleblitz
Sat Apr 15, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Property Tax Late Penalty
Replies: 3
Views: 419

Re: Property Tax Late Penalty

I think you had many months ahead of time to pay. Also tax payments can be paid automatically online through the city or online banks. I myself have paid similar late payments in the past and never talked to anyone. Feel free to go to tax collector office and tell them your situation. doesn't hurt.
by bogleblitz
Sun Apr 09, 2017 1:23 am
Forum: Personal Finance (Not Investing)
Topic: How do I know if I am filing my taxes correctly?
Replies: 39
Views: 3042

Re: How do I know if I am filing my taxes correctly?

I missed one of my unemployment forms and the state of Massachusetts automatically added the missing form. automatically change the state refund amount and mailed me the new lower amount refund check. In past years, I was audited for 2 errors. 1. the missing 1099-INT i think was less than $30. They ...
by bogleblitz
Mon Mar 06, 2017 7:42 pm
Forum: Investing - Theory, News & General
Topic: Did you buy SNAP?
Replies: 116
Views: 10290

Re: Did you buy SNAP?

The 20s year old of myself would probably buy it. Now I only do index funds.
by bogleblitz
Sat Mar 04, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: senior sw engineer pay in boston area.How does mine stack up?
Replies: 16
Views: 2809

Re: senior sw engineer pay in boston area.How does mine stack up?

That is a very good high end salary. Congrats.

Paysa.com is also a very good website to view and compare salary.
by bogleblitz
Sat Feb 25, 2017 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Bad to immediately sell vested RSUs due to possible stat arb?
Replies: 10
Views: 937

Re: Bad to immediately sell vested RSUs due to possible stat arb?

Sell it right away.
The employee sales of vested RSUs as a portion of daily volume is just too small to make a difference.

Now, if you are the president, CEO of the company. Then selling all your shares will make a difference.
by bogleblitz
Tue Feb 21, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: Stand Up Desk
Replies: 29
Views: 1883

Re: Stand Up Desk

In the office, I seen a colleague used a standup desk. The trick that worked for him was to use a very high chair, like a bar stool chair. So wether standing or sitting, the height of the standup desk remain the same. Otherwise he said it was too much of a hassle to adjust the desk up everytime to s...
by bogleblitz
Tue Feb 21, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Stand Up Desk
Replies: 29
Views: 1883

Re: Stand Up Desk

This thread made me stand up on my standup desk.

I have an adjustable and I think I sit 90% of the time. I have the Ikea desk http://www.ikea.com/us/en/catalog/products/S19022530/


My goal is to stand half the time and sit half the time. I work at home.
by bogleblitz
Sat Feb 18, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: Is the free AAA identity theft protection a good idea, or is there a catch?
Replies: 7
Views: 962

Re: Is the free AAA identity theft protection a good idea, or is there a catch?

I use it. There is no catch.

For people who want free and doesn't have aaa, creditkarma.com is also good.
by bogleblitz
Mon Feb 13, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on housing crash
Replies: 60
Views: 3536

Re: BH thoughts on housing crash

Nobody knows when the next housing crash is coming. Don't believe the realtors or anyone in the world who tells you a crash is coming. A crash or no crash should not impact your primary resident. I recommend saving money and stay at the current location with a 5 year old. I would wait until the chil...
by bogleblitz
Mon Feb 13, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Is 130k a good salary in IT?.
Replies: 40
Views: 6350

Re: Is 130k a good salary in IT?.

dumb question:
Is someone working in IT the same as a software engineer or software developer?
by bogleblitz
Mon Feb 13, 2017 12:40 pm
Forum: Investing - Theory, News & General
Topic: S&P up over 20% in the last 12 months
Replies: 19
Views: 1834

Re: S&P up over 20% in the last 12 months

last year, around this time, I worried that we were at a peak and placed some extra money in cash.

I kind of regretted it now. I think having something automated like the 401k is great and not think about it.
by bogleblitz
Sat Feb 11, 2017 1:55 pm
Forum: Investing - Theory, News & General
Topic: What happens to company 's profit?
Replies: 11
Views: 1271

Re: What happens to company 's profit?

This is a very good question.

Using apple.com as an example. Apple makes lots of money on iPhones every year. I think last I heard, Apple is sitting on $216 billion cash in the bank. I wonder if apple gives out dividends or do some buybacks.
by bogleblitz
Thu Feb 09, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason not to do a backdoor Roth on non-deductible tIRA money?
Replies: 9
Views: 656

Re: Any reason not to do a backdoor Roth on non-deductible tIRA money?

I did a backdoor roth for 3 years but now I stop doing any more backdoor roth. These are my personal reasons: 1. My roth and taxable vanguard was zero dollars when I first start. Now my roth is about $20k and taxable vanguard is $300k. I just feel roth account is too small and not worth the hassle. ...
by bogleblitz
Tue Jan 24, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Best Places to Live in US?
Replies: 123
Views: 12029

Re: Best Places to Live in US?

Since you are already living in CA, I would recommend Los Angeles. Los Angeles has hollywood, lots of famous actors, nice weather, palm trees, great food, second largest city in USA, and lots of job opportunities. The largest city in USA is new york but it snows there. So I recommend second largest ...
by bogleblitz
Sat Dec 31, 2016 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Help Calculating My Return for 2016
Replies: 8
Views: 733

Re: Help Calculating My Return for 2016

The best way to find the 2016 return on Vanguard website is wait until Jan 2 2017 or a few days later. So just wait a couple days. Then click the 1 year return and it should show a return percentage from 01/2016-12/2016. You can do it right now but the website will not give you a "Rate of Retur...
by bogleblitz
Sun Dec 25, 2016 4:00 am
Forum: Personal Finance (Not Investing)
Topic: Bought a house for 560k in 2007
Replies: 73
Views: 9422

Re: Bought a house for 560k in 2007

Dieharder wrote:I suspect we are getting trolled here again ...


Edited. Nevermind.
by bogleblitz
Sun Dec 11, 2016 2:14 am
Forum: Personal Consumer Issues
Topic: Coffee: "breakfast blend" vs "donut shop"
Replies: 10
Views: 4773

Re: Coffee: "breakfast blend" vs "donut shop"

I agree they both are just ok cheap coffee and I have tried the various Aldi coffee. breakfast blend and donut shop taste different but I can't describe the taste with words. Breakfast blend tries to copy the Green Mountain "breakfast blend" or Starbucks "breakfast blend" "D...
by bogleblitz
Wed Nov 16, 2016 7:06 pm
Forum: Personal Consumer Issues
Topic: Building new house - central vacuum worth it?
Replies: 52
Views: 13234

Re: Building new house - central vacuum worth it?

I just bought a house which has it. I never even heard of it before.
The previous owner of 10 years never used it.

I don't even know how to use it or what I need to buy or how to turn it on.
by bogleblitz
Sun Oct 30, 2016 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Coding Escrow on Mint.com
Replies: 3
Views: 471

Re: Coding Escrow on Mint.com

AirTimeMD wrote:But don't you add the property as an asset with an appraised value that would capture the value for net worth?


Yes, you can do that too.

For me personally, I never added my property as an asset in Mint. For personal and privacy reason, I didn't want Mint to know my real networth.
by bogleblitz
Sat Oct 29, 2016 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Coding Escrow on Mint.com
Replies: 3
Views: 471

Re: Coding Escrow on Mint.com

I recently bought a house so I went through something similar on Mint. I also set the downpayment to 'transfer'. The $10,000 and the $100,000 20% downpayment should be set to 'transfer'. Then in mint, I create a new cash account and add $10,000 to this new cash account. So the networth at the end sh...
by bogleblitz
Sat Oct 22, 2016 3:34 pm
Forum: Personal Consumer Issues
Topic: How many have moved from California due to Cost of Living?
Replies: 108
Views: 12888

Re: How many have moved from California due to Cost of Living?

I just moved to Los Angeles last year from Boston. so I'm the opposite. Boston and LA has very similar cost of living and similar salaries. Silicon valley is a total different story where houses are 2 times LA/Boston. as for cost of living, I would never move to a place due to cost of living. Friend...
by bogleblitz
Mon Oct 17, 2016 12:43 am
Forum: Personal Finance (Not Investing)
Topic: How do you analyze your spending? (Where is my money going?)
Replies: 69
Views: 6692

Re: How do you analyze your spending? (Where is my money going?)

I use Mint and it is free. works great for me.
by bogleblitz
Mon Oct 17, 2016 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Laid off at 40 - What to do?
Replies: 42
Views: 6880

Re: Laid off at 40 - What to do?

Unemployment is at the lowest right now. Might be hard to believe for someone who is laid off. So it should be easy to find a job.
I recommend go back to work, build a higher nest egg. Once you are out of engineering for 2 years, it would be very difficult to get back in.
by bogleblitz
Sun Sep 18, 2016 11:43 pm
Forum: Personal Consumer Issues
Topic: How to find a rental property in a new city before moving?
Replies: 22
Views: 2320

Re: How to find a rental property in a new city before moving?

Here is what I did for another State. I'm a family with a 4 year old. I moved first, rented hotels and found a place within 1 week. I try not to be picky. spouse stayed with kid and continue living at old place. Once we found a new place. Have shipping company shipped everything to new house. Then s...
by bogleblitz
Tue Sep 13, 2016 1:53 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 13818

Re: Who is ready for iphone 7?

The $650 is probably only for a loaded 6s+. My 128GB 6+ gets $250. A triumph of marketing over performance (you expected more from Verizon??). you will get $650 for your 128gb 6+. You first have to try to order an iphone 7 before you try to trade in. Otherwise the trade-in will only get $250. So tr...
by bogleblitz
Mon Sep 12, 2016 7:47 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 13818

Re: Who is ready for iphone 7?

Buying with a contract is like a boglehead with a 1% advisor. This deal is not a contract like 4 years ago. At&t, sprint, verizon and Tmobile has all gotten rid of contracts. I like to repeat that getting a Free iphone 7 is a huge deal and very good for frugal bogleheads. If you currently have ...
by bogleblitz
Mon Sep 12, 2016 7:27 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 13818

Re: Who is ready for iphone 7?

I am thinking about doing this - but isn't the iPhone 8 supposed to be a HUGE upgrade? So then if that is what I really want (tech nut here so yes, I want that), I would need to pay off 50% of the iPhone 7 in september 2017 and then also purchase an iPhone 8 (assuming it's upgrades are so HUUGE, th...
by bogleblitz
Mon Sep 12, 2016 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone else feeling courageous enough to buy today?
Replies: 90
Views: 7530

Re: Is anyone else feeling courageous enough to buy today?

today is a great day to buy. I bought alot 2 weeks ago, and the market has already gone down about 1% from 2 weeks go.

if you are scared. buy half today, and buy half 2 weeks later.
by bogleblitz
Sun Sep 11, 2016 1:28 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 13818

Re: Who is ready for iphone 7?

I wasn't going to upgrade to the iPhone 7 but since T mobile is essentially offering me $650 for my old iPhone 6+ to trade in, I cannot turn it down. 8-) This is huge and very good boglehead deal. I think everyone in this forum who currently owns a iphone 6 should jump on this deal and upgrade to i...
by bogleblitz
Sat Sep 10, 2016 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: new iPhone contract structure
Replies: 8
Views: 1365

Re: new iPhone contract structure

The deal you are talking about is back. You can get a new free iphone 7 with trade in of an iphone 6. I got 2 free iphone 7 at verizon today. https://www.verizonwireless.com/ All carriers Tmobile, At&t, sprint have the same deal. let me know which carrier you are currently using. I'm not seeing...
by bogleblitz
Sat Sep 10, 2016 1:07 am
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 13818

Re: Who is ready for iphone 7?

I wasn't going to upgrade to the iPhone 7 but since T mobile is essentially offering me $650 for my old iPhone 6+ to trade in, I cannot turn it down. 8-) This is huge and very good boglehead deal. I think everyone in this forum who currently owns a iphone 6 should jump on this deal and upgrade to i...
by bogleblitz
Sat Sep 10, 2016 12:11 am
Forum: Personal Finance (Not Investing)
Topic: new iPhone contract structure
Replies: 8
Views: 1365

Re: new iPhone contract structure

The deal you are talking about is back. You can get a new free iphone 7 with trade in of an iphone 6.

I got 2 free iphone 7 at verizon today. https://www.verizonwireless.com/

All carriers Tmobile, At&t, sprint have the same deal. let me know which carrier you are currently using.
by bogleblitz
Thu Sep 01, 2016 12:33 am
Forum: Investing - Theory, News & General
Topic: Wish there was a non-Tech S&P 500
Replies: 26
Views: 3083

Re: Wish there was a non-Tech S&P 500

Jason Zweig from wsj talked about it this month.

http://blogs.wsj.com/moneybeat/2016/08/ ... ake-sense/
by bogleblitz
Fri Aug 26, 2016 4:37 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 13818

Re: Who is ready for iphone 7?

I'll get one. but I don't see much new features in iphone 7.

My biggest jump was the iphone 6 plus which has the bigger screen.
by bogleblitz
Mon Aug 15, 2016 12:29 am
Forum: Personal Consumer Issues
Topic: Upfront charge when shipping a vehicle
Replies: 4
Views: 634

Re: Upfront charge when shipping a vehicle

I only paid $100 deposit and pay the rest when picked up.

Although if you pay by credit card, you can have the credit card company void/chargeback if there are issues. Check reviews and BBB ratings on the car delivery company.
by bogleblitz
Fri Jun 24, 2016 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Compensation for Software Engineer in Boston w/ 10 years experience? Should i switch jobs?
Replies: 18
Views: 2912

Re: Compensation for Software Engineer in Boston w/ 10 years experience? Should i switch jobs?

I live in boston and in software. You are at the top salary range. You can ask for 150k base but not every company will have 10% bonus and RSU on top of that. You may get 10% more total package and go up to 175k total comp. To really earn more, you have to look into management and become a software ...
by bogleblitz
Tue Jun 21, 2016 2:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2055 Fund - Rate of return 2%!
Replies: 25
Views: 4905

Re: Vanguard Target Retirement 2055 Fund - Rate of return 2%!

Yes you should keep investing at Vanguard 2055.

You should probably ignore the Rate of return. You are still young and still building equity. A low rate of return is good for you now which means you are buying low and selling high in the year 2055.
by bogleblitz
Sat May 28, 2016 2:31 pm
Forum: Personal Consumer Issues
Topic: Brita filter -- OEM or generic?
Replies: 4
Views: 764

Re: Brita filter -- OEM or generic?

I have bought the cheaper generic Brita filters from Ralphs supermarket. They taste the same for me. I see no difference. I will buy the generic ones again.
by bogleblitz
Sat Feb 06, 2016 5:53 am
Forum: Investing - Help with Personal Investments
Topic: Can we harvest anything out of this whole life before we lapse it.
Replies: 3
Views: 591

Re: Can we harvest anything out of this whole life before we lapse it.

1. Can we take a loan of $3,500 from the policy (the cash value), and let it lapse? What will be our consequences? especially how will it affect our credit score/history? Our fear is, if we default this policy, it'll be hard to take any loans for a long time. Concerned about mortgage loan, that's t...
by bogleblitz
Tue Feb 02, 2016 12:35 am
Forum: Investing - Help with Personal Investments
Topic: Newbie, stuck in life insurance policy.
Replies: 18
Views: 1718

Re: Newbie, stuck in life insurance policy.

If you quit the insurance right now, you will lose everything in the insurance. You will lose $310 x 18 = $5580. I would quit and run. Let the $5580 be a lesson learn to never buy life insurance as an investment vehicle. If you don't quit, you might end up losing even more money when you quit 5 year...
by bogleblitz
Tue Jan 19, 2016 1:19 am
Forum: Personal Finance (Not Investing)
Topic: Mint...working less, and less, and less
Replies: 42
Views: 8491

Re: Mint...working less, and less, and less

Works fine here. No issues.
by bogleblitz
Tue Jan 05, 2016 5:29 pm
Forum: Investing - Theory, News & General
Topic: How do you organize your finances? Do you use Mint.com?
Replies: 86
Views: 11903

Re: How do you organize your finances? Do you use Mint.com?

I use it. Yes, it is awesome. Yes it is safe to hook up all your accounts.

One good use is I can see exactly how much I make and spend in 2015.
by bogleblitz
Mon Dec 21, 2015 2:46 am
Forum: Personal Consumer Issues
Topic: Macys.com security breach?
Replies: 10
Views: 6442

Re: Macys.com security breach?

macy's credit card works fine for me. No emails.

I do have to say the new or old Macy's credit card website is the worst. Very hard to login (login to macy.com then go to citibankonline), hard to navigate, very buggy, you get 2 different cards (1 for macy, 1 for non macy).
by bogleblitz
Tue Nov 24, 2015 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: On the question of purchasing versus renting
Replies: 29
Views: 2524

Re: On the question of purchasing versus renting

I recommend using Google and search for online rent vs buy instead of your own.

I used Zillow and trulia rent vs buy which was helpful.
by bogleblitz
Tue Nov 10, 2015 12:10 am
Forum: Investing - Help with Personal Investments
Topic: Help with trying to replicate total US allocation in 401k
Replies: 3
Views: 316

Help with trying to replicate total US allocation in 401k

In my friend's 401k, the index options are: Vanguard 500 Index Admiral Vanguard Mid Cap Index Adm Vanguard Small Cap Index Adm So what percentage of each would replicate the total market similar to Vanguard Total market index VTSAX? My guess would be 72% Vanguard 500 Index Admiral 14% Vanguard Mid C...

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