Search found 1370 matches

by gunn_show
Tue Apr 17, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Best High Interest Savings Account?
Replies: 20
Views: 1757

Re: Best High Interest Savings Account?

Just helped my mom move her credit union money earning zilch over to Goldman's Marcus product. It's at 1.60% right now and some attractive CD rates.

Was very simple to do, very nice website

https://www.marcus.com/us/en/savings/high-yield-savings
by gunn_show
Tue Apr 17, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Too much rent?
Replies: 21
Views: 1805

Re: Too much rent?

Wanting and needing a fenced yard for your dog are two different things. :wink: What if your apartment was within close distance of a park/dog park? You will have to decide if dog > owning a house. We can't answer that. Any reason you're looking for a house rather than a 1 or 2 bedroom apartment? W...
by gunn_show
Fri Apr 13, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should you always use a 529?
Replies: 30
Views: 1386

Re: Should you always use a 529?

The bigger question for you is why are you putting the funds into a money market account, rather than investing in a fund that will (hopefully) appreciate over the next decade. I have been putting funds aside for my grandchildren using the Utah 529. About 35% of the current fund balance represents ...
by gunn_show
Thu Apr 12, 2018 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should I join a startup?
Replies: 14
Views: 1373

Re: Should I join a startup?

It all depends on what your opportunity cost is, and what you get out if it aside from financial rewards. If you gain skills that improve your future earnings potential, it may be worth doing. If you give up seniority and advancement in a conservative company, you might be giving up more than any i...
by gunn_show
Thu Apr 12, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 4684

Re: realtor wants to show house to buyer, no listing agent for me

No one has mentioned the worst part of this: you're likely to receive less than the market value for your home if you go with this buyer. This is more or less acknowledged by the realtor who told you that this buyer lost out on other homes in the area, ie, the buyer didn't offer the highest bid. Th...
by gunn_show
Tue Apr 10, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: New Lexus LS or Tesla Model S
Replies: 63
Views: 4179

Re: New Lexus LS or Tesla Model S

I would ask a few questions. I assume you don't care a lot about performance since you're mentioning the LS. If you don't care about performance, I don't see a lot of reasons why you would buy the Model S over a Lexus LS. #1 You will never have range anxiety in the LS. #2 More luxurious by miles in...
by gunn_show
Sun Apr 08, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 4887

Re: VHCOL Home Buying Advice (Bay Area, where else?)

One more question I forgot to ask, if anyone has an opinion: If you were me, how quickly would you be looking to get into a SFR? Should I be driving hard to get a place, or should I take my sweet time and let this process drag out for months as I get a sense of what's out there? Assume I already kn...
by gunn_show
Sat Apr 07, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 13938

Re: Parents have zero savings. What can I do?

They are competent adults, so you can't force them to talk. You and your wife however are also competent adults, so they can't force you to give them money. I have many family members who are terrible with money, including my parents. I will help them, but only following my rules. Beyond filial sup...
by gunn_show
Sat Apr 07, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: how much would a new kitchen cost?
Replies: 21
Views: 1713

Re: how much would a new kitchen cost?

8k for a new kitchen? NO WAY. I designed our custom built home and sourced every major thing in the house and can tell you that number is not happening. Best thing to do is have a decent idea of what you want to do (especially the expensive stuff which is NOT the stuff you see, but moving electrica...
by gunn_show
Fri Apr 06, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Asking for a raise/promotion with another offer in hand
Replies: 103
Views: 6590

Re: Asking for a raise/promotion with another offer in hand

I agree, and I did press my case for a promotion at almost every one on one with my manager. The issue was when I first joined this company I accepted a lower rank than I had achieved with my previous company. I did not ask for the rank structure when I joined, which was my mistake. It was kind of ...
by gunn_show
Tue Apr 03, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Career Move: Please convince me why I should not work in tech
Replies: 59
Views: 4648

Re: Career Move: Please convince me why I should not work in tech

I work have worked in tech since 1986 at 3 different Megacorps. Since OP asked why one should NOT work in tech: 1) If you are not good at saving money for a rainy day tech is not a good choice because when it rains it tends to pour. Many tech workers were unemployed for a long period of time in 200...
by gunn_show
Mon Apr 02, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: Online meals, anyone do these?
Replies: 28
Views: 3091

Re: Online meals, anyone do these?

While we love to cook and consider ourselves pretty good at it, because of work schedules/time constraints (3 kids under 4 years old), we use both Blue Apron and Freshly: 2) Freshly : my wife takes these meals to work and microwaves them instead of eating out (again, cheaper). I eat them on nights ...
by gunn_show
Wed Mar 28, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Los Angeles Condo Purchase Advice
Replies: 53
Views: 3585

Re: Los Angeles Condo Purchase Advice

I will make this blunt and quick. I make as much as you, am 35 years old, have roughly 500k in retirement savings and live in a 600k house with no mortgage and no other debt. I am contemplating using 200k in cash, to put 800k down on a 1.3m home (i.e., 500k mortgage) and I am debating if I should d...
by gunn_show
Sat Mar 17, 2018 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: New job transition and pregnant - when to inform employer?
Replies: 30
Views: 2475

Re: New job transition and pregnant - when to inform employer?

It is a good idea to get 3 months in before making any big changes. I would not notify until after that point. We had a mis-carriage between kids 1 and 2. Just after we notified family and friends. Once it happens, you begin to find out just how often that happens. Certainly not saying it will happ...
by gunn_show
Sat Mar 17, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Time/money trade-offs with work and life balance
Replies: 46
Views: 3569

Re: Time/money trade-offs with work and life balance

For additional context, I am single, in my late 20s, and in peak salary- and career-growth years. I have been with this one employer up until this point, so my salary is currently below market value. I potentially have another 5 years with this current employer before I'll have to make a decision a...
by gunn_show
Fri Mar 16, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Time/money trade-offs with work and life balance
Replies: 46
Views: 3569

Re: Time/money trade-offs with work and life balance

This is a very personal decision balancing money, ambition, professional status, etc. with lifestyle, family, outside interests, etc. No one else can draw that line for you. First off: this (above). You can post a lot of details, but ultimately only you (OP) can draw the line. Everyone is different...
by gunn_show
Fri Mar 16, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: Boglehead business travelers - preferences
Replies: 23
Views: 2249

Re: Boglehead business travelers - preferences

Airline: Southwest. I cannot believe anyone has not said it yet. When my wife flies she typically upgrades so she is in A1-15, so she boards right away. The thing about it is the rewards. They have a very strong frequent flyer program. Delta basically gives you nothing in comparison. Not sure what ...
by gunn_show
Thu Mar 15, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: Boglehead business travelers - preferences
Replies: 23
Views: 2249

Re: Boglehead business travelers - preferences

Southwest - A-List (shooting for C-pass this year); backup is Alaska for Maui or other direct flights SWA doesn't do well Hertz - corp agreement gives us 5 star gold which is nice for choosing any car Marriott - Gold level and about to wrap Platinum Challenge, heavy presence in my west coast sales t...
by gunn_show
Thu Mar 15, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Do you think it’s possible to get a job in a big city if I get an MBA from a mediocre school?
Replies: 30
Views: 2317

Re: Do you think it’s possible to get a job in a big city if I get an MBA from a mediocre school?

I think this guy is trolling. This is the same poster who receives $100k yearly from his family without having a job or any ambitions. Wow you are right, never saw that post, but definitely trolling ... or dreaming ... or who knows what With no job and 100k a year.. not sure why he can't spend an a...
by gunn_show
Thu Mar 15, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 56
Views: 3707

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

Alexa9 wrote:
Thu Mar 15, 2018 10:44 am
Anker is highly rated. I think you have to take the risk that any electronic device could have issues. Almost all devices have some 1 star reviews.
+1 Anker.. I travel a lot for work, all my power bank / wall plugs / cords are Anker brand and have worked flawlessly... and very solid pricing
by gunn_show
Thu Mar 15, 2018 1:05 am
Forum: Personal Consumer Issues
Topic: Do you think it’s possible to get a job in a big city if I get an MBA from a mediocre school?
Replies: 30
Views: 2317

Re: Do you think it’s possible to get a job in a big city if I get an MBA from a mediocre school?

Got my MBA from what most would consider a lower tier school as I had athletic eligibility left... Currently split my time between Austin and SF and will probably never have to apply for a job again. Experience, knocking it out of the park once you're in (somewhere, anywhere), and networking / maki...
by gunn_show
Thu Mar 15, 2018 1:01 am
Forum: Personal Consumer Issues
Topic: Do you think it’s possible to get a job in a big city if I get an MBA from a mediocre school?
Replies: 30
Views: 2317

Re: Do you think it’s possible to get a job in a big city if I get an MBA from a mediocre school?

pejp wrote:
Wed Mar 14, 2018 11:01 pm
Well, it’s possible to get a job in finance with or without an MBA. You might want to ask again when you have a more specific question.
this #1..... terribly vague questions ....
by gunn_show
Sat Mar 10, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Best Bluetooth speaker Phone
Replies: 16
Views: 1345

Re: Best Bluetooth speaker Phone

I use a Jabra Speak 410 PHS001U speakerphone that is optimized for MSFT Lync/Skype for this very sort of thing, mine uses a USB connection, and I believe they now make a BT version (Speak 510). Can find on Amazon, where I got mine a couple years ago. Love it for conference calls that I mostly listen...
by gunn_show
Sun Mar 04, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 113
Views: 13113

Re: Bogleheads with $100K+ MSRP cars?

The Q7 was MSRP $86k, we had it custom ordered at 6% off MSRP and arrived at Christmas 2016, for $81k + tax. 17k miles later, we have zero regrets...absolutely love it, very stable with the adjustable air suspension, amazing massage seats (turned on everyday!), and wonderful sound system. It was fu...
by gunn_show
Mon Feb 26, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting my tenant the first time - need help
Replies: 14
Views: 1315

Re: Meeting my tenant the first time - need help

So you want those 3am calls when the toilet is plugged and the property manager hasn't called them back? If it were me, I wouldn't even want the tenant to know who I was. Do you plan to manage the property yourself from 3 hours away? this don't see any value in meeting and touring the place... that...
by gunn_show
Sat Feb 24, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Should I ask for a larger raise at yearly review?
Replies: 37
Views: 2511

Re: Should I ask for a larger raise at yearly review?

If you can substantiate the VALUE you've added to the company since your last promotion and your current accomplishments/trajectory, then why shouldn't you ask for an additional raise? Nobody cares about your career and life more than you. That's a fact. One of the best common sense career advice I...
by gunn_show
Thu Feb 22, 2018 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: New Job Evaluation
Replies: 30
Views: 2230

Re: New Job Evaluation

Do you really want to limit your career so much in your earlier 30s? I mean you have a long time to go and presumably a lot more potential than your current job will ever utilize. You're way underearning compared to what somebody in the big 4 or and private firm would make after 10 years in account...
by gunn_show
Wed Feb 21, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 150
Views: 11974

Re: What big item (>20k) are you saving up for?

pipe-dream level: gently used 987.2 Cayman (but probably will never have the nuts to pull the trigger, I work from home and don't drive my current vehicle enough to justify a 2nd toy in the garage, sigh...) reality level: new kitchen remodel (likely multiples of >20k) family level: fund baby girl's ...
by gunn_show
Mon Feb 12, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Mesh wifi solution sought for new house
Replies: 46
Views: 2596

Re: Mesh wifi solution sought for new house

Net gear Orbi will let you use Ethernet as a backhaul. I tried it out for a month other using some Apple airports with no difference, but my place is waaaay smaller (1600sqft). Blue man I'm leaning to the eero 2nd generation (not Beacons), which also can use Ethernet as a backhaul. They are pricey,...
by gunn_show
Sat Feb 10, 2018 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding to Buy Rental Property - Need Advice
Replies: 16
Views: 1976

Re: Deciding to Buy Rental Property - Need Advice

The "why" part is to continue to better our lives and look for additional income streams. I'd like to plan this all out so we can get rid of the "unplanned" which is currently wanting a SFH and starting a family. Once those are addressed, then I can typically "forecast" our expenses and re-establis...
by gunn_show
Sat Feb 10, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 6445

Re: Live / work in California - Technology Career

+2 ... but I think we are all guessing at the OP's role and income, while he is just guessing at "nice places to live in CA" .. as many pointed out, we need a lot more context from the OP Please can you help, what we do need in compensation for these areas, to live in a simple condo and have a low ...
by gunn_show
Sat Feb 10, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 6445

Re: Live / work in California - Technology Career

If you make enough money to consider those areas then the only expense you listed that will actually matter to your life is housing. +1. +2 ... but I think we are all guessing at the OP's role and income, while he is just guessing at "nice places to live in CA" .. as many pointed out, we need a lot...
by gunn_show
Sat Feb 10, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding to Buy Rental Property - Need Advice
Replies: 16
Views: 1976

Re: Deciding to Buy Rental Property - Need Advice

The post is missing something, that I think is important to your story and to us understanding and commenting: the major need(s) aka the "why". Don't see anything. No mention of kid(s) although we are left to presume that is a big part of it when you state desire for larger house + more rooms + back...
by gunn_show
Fri Feb 09, 2018 1:32 am
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5429

Re: What time do you go to work?

onthecusp wrote:
Wed Feb 07, 2018 11:02 pm
Some time between 7 and 8:30. I work from home too but don't abuse it.
Similar. I don't set an alarm unless I have an early con-call, so depending on what time I wake (or the newborn wakes us) and make coffee and get downstairs to the home office, typically 730-8am.
by gunn_show
Wed Feb 07, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: Comcast Modem Rental
Replies: 41
Views: 2785

Re: Comcast Modem Rental

Comcast is charging $11/mo. for modem rental. Any thoughts on buying a modem to eliminate the rental fee? Are there any problems with doing this? I have this. https://www.amazon.com/ARRIS-SURFboard-SB6141-DOCSIS-Cable/dp/B00AJHDZSI Not sure what advantages there could be renting from Comcast. I hav...
by gunn_show
Tue Feb 06, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: general "am I on the right track" question
Replies: 29
Views: 2612

Re: general "am I on the right track" question

Klang as usual makes a lot of great points. Long distance landlord can be difficult, my family acquired a ski condo a year ago, trying to remodel it and manage from even just 400mi away has sucked up more time and money than I care to admit, needless to say I wish I had those hundreds of hours of my...
by gunn_show
Mon Feb 05, 2018 2:08 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 17655

Re: For BHs who actually like cars - [what car do you drive every day?]

07 Lexus GX470 AWD V8 ... beast and love it
07 Lexus GS350 RWD V6 ... stealth family sedan

Really want another s2000 or Cayman 987.2 but we drive so little as is, no point
by gunn_show
Sun Feb 04, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: general "am I on the right track" question
Replies: 29
Views: 2612

Re: general "am I on the right track" question

Your savings seem like they are on the low side for your age and income, My first thought as well after reading the OP. Especially knowing now that (presumably) much of the $300k play stock money was vested company stock with incredible returns (ie free money not saved income). Plus incredible AAPL...
by gunn_show
Sun Feb 04, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford this house?
Replies: 50
Views: 4562

Re: Can I afford this house?

No wonder so many Californians are moving to Texas where you could earn similar without state tax and $2 mill will buy you a 7-10 bedroom home. I love these garbage blanket statements. I've lived in CA my whole life, work for major tech megacorp in bay area, don't know a single person that has move...
by gunn_show
Wed Jan 31, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: New car - how much can we afford?
Replies: 78
Views: 5902

Re: New car - how much can we afford?

Today I have an alfa romeo mito, 2 doors. Another thing to consider is that I might travel internationally for different assignments, so I’m also thinking to do a leasing, which gives me flexibility from the professional standpoint. a/ the alfa romeo being mentioned in the first post would have pro...
by gunn_show
Wed Jan 31, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Frequent Flier Miles 101
Replies: 53
Views: 4678

Re: Frequent Flier Miles 101

Adding to what some folks have already said. For me, the points are really secondary for the travel cards, but I travel a lot for work. 1) I stick with one airline (use your hub airline). The real perks are the seat/class upgrades and the rescheduling of flights for free. 2) I stick with two hotel ...
by gunn_show
Wed Jan 31, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: New car - how much can we afford?
Replies: 78
Views: 5902

Re: New car - how much can we afford?

We are expecting a baby end of the year and we need a bigger car. Initial thinking is to buy a second- hand car, max 30k miles. You can certainly afford to buy anything up to 40K or so (not that it would be wise to spend that much, you can get something brand new in the 20's, no problem). The quest...
by gunn_show
Sat Jan 27, 2018 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: I don't think my lady is very good at saving money, how do I handle?
Replies: 50
Views: 3982

Re: I don't think my lady is very good at saving money, how do I handle?

You're covering rent in the Bay area and she buys toilet paper - sometimes? LOL exactly what I thought by the time I read down to that comment about his location perhaps title of thread should be "don't think my lady is good at MAKING money" .. OR... "I think my lady is pretty darn smart and has su...
by gunn_show
Thu Jan 18, 2018 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Versus Stocks
Replies: 46
Views: 2809

Re: Real Estate Versus Stocks

dont forget the 3 rules of RE. :oops: Location, location, location? The condo units I was looking at are on Wilshire Blvd along so-called "Condo Canyon." Coming from Manhattan, prices even in a tony area like this don't compare to the insanity of NYC. Have you invested a lot of time into BiggerPock...
by gunn_show
Wed Jan 17, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning in Mid-20's
Replies: 8
Views: 1195

Re: Retirement Planning in Mid-20's

Just a thought: if you continue to save as much or more over the next ~30 years as you are now, and make reasonable investment choices, it is likely you will have no difficulty figuring out income sources at the end of that time. Keep up the good work! My thoughts as well. Congrats on being so dili...
by gunn_show
Tue Jan 16, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: Need to buy new printer. Suggestions for best value?
Replies: 32
Views: 2466

Re: Need to buy new printer. Suggestions for best value?

There are literally dozens of threads on this subject if you use the search tool. Most say Brother printers. I have always used Canon laser printers because they last forever and the laser cartridge also lasts forever. I will never go back to ink printers again. Many threads. FWIW I usually buy min...
by gunn_show
Mon Jan 15, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: Questions about salary expectations/negotations
Replies: 13
Views: 1515

Re: Questions about salary expectations/negotations

Declined to answer what he's looking to make?!? This is SUCH a different question than "what are you making right now" and yet candidates shoot themselves in the foot by not helping their cause... Good on the recruiter for doing things the right way and not wanting to waste each others time. Also, ...
by gunn_show
Sun Jan 14, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Internationa experience linked to career growth
Replies: 1
Views: 231

Re: Internationa experience linked to career growth

Too generic of a question as you wrote it For what? Sales? Engineering? Coding? Business Development? Manufacturing? Legal? Straight middle management? If you're a sales guy selling a specific product in a specific market in CA, then who cares if you lived or worked in Hong Kong. If you're a sales d...
by gunn_show
Mon Jan 08, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: When to drop comprehensive auto coverage?
Replies: 25
Views: 2619

Re: When to drop comprehensive auto coverage?

Drop collision when car is 8-10 years old. My rate for comprehensive is low enough that it isno5 worth dropping regardless of car age. this... I don't have collision covg on either of my 2007 Lexus vehicles.. but I have comp on both for peanuts per year, in case a car gets stolen or vandalized, act...
by gunn_show
Sun Dec 31, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 10022

Re: I Want to Buy a Horrible, Expensive Car

I thought you said expensive? Discovery Sport looksmawfully run of the mill price wise for SUVs. I came into this thread expecting a Bentley Bentayga. +1 .. Discovery Sport is a cheap wannabe-SUV for SoCal/SF-BA housewives.. IMHO Another vote for the Porsche Macan. Surprisingly affordable - and it'...