Search found 1279 matches

by gunn_show
Thu Sep 14, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 350
Views: 38745

Re: Flaunt Your High-Mileage Car

07 Lexus GS 107,000
07 Lexus GX 178,000
both running great... knock on wood.. hope to keep for many years with proper care and maintenance
by gunn_show
Tue Sep 12, 2017 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 9947

Re: The 10 year car ownership "rule"

I guess I am just curious to know when is the optimal time to sell one's car. I have a sedan with 70k and a SUV with 120k miles on it. Both Hondas. Thanks !@ LOL, on this forum those would be considered newer cars. Not sure how much searching / reading you actually did, and I am unaware of any hard...
by gunn_show
Wed Aug 30, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Evaluating new job offer
Replies: 40
Views: 3003

Re: Evaluating new job offer

With your (presumed) talent and experience, and resume at megacorp, you can likely go back to said megacorp or similar very easily in 1-3 years if this hot startup flames out or simply is not as advertised. The OP in in his late 30's now. I would be cautious about assuming that finding great jobs w...
by gunn_show
Wed Aug 30, 2017 1:24 am
Forum: Investing - Theory, News & General
Topic: First article I've read against indexing that seems convincing
Replies: 40
Views: 5639

Re: First article I've read against indexing that seems convincing

OP, I've followed many of your posts. We cannot convince you of something you don't want to be convinced of. I think you should pick a plan. Stick with it through thick and thin for 20 or 30 years. Only then will you know if it worked. Bogleheads is one of many ways to head down that next 20 or 30 ...
by gunn_show
Wed Aug 30, 2017 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Evaluating new job offer
Replies: 40
Views: 3003

Re: Evaluating new job offer

I'm kind of surprised at all the "no"s. Being bored at your job ls life sucking. It's hard to put a value on a non-sucky job but it's well above zero and should be factored in to the total compensation (somehow). Getting experience in a hot company in a good field will pay you back in many ways. I ...
by gunn_show
Tue Aug 15, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: How does personal wealth affect job hunting?
Replies: 57
Views: 6940

Re: How does personal wealth affect job hunting?

In my own personal experience, as I am getting wealthier, I am less willing to compromise my work life balance for a job. Did this happen to you? If yes, how does this affect you in term of the job that you are willing to accept? Yup. Very high floor of minimum pay. Zero commute, work from home. Pr...
by gunn_show
Thu Aug 10, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: Startup vs big company (financial equity at stake)
Replies: 57
Views: 3593

Re: Startup vs big company (financial equity at stake)

Interesting points, but not sure it changes the story much. Does your firm obviously value you --very-- highly? Yes, no question. Really impressive how far they are going to show you love and keep you in house, no doubt, and you should feel great about that no matter what you decide. And there is va...
by gunn_show
Wed Aug 09, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Startup vs big company (financial equity at stake)
Replies: 57
Views: 3593

Re: Startup vs big company (financial equity at stake)

OP, Isn't Google going to give you more RSUs every year to the tune of ~$100k? The $600k is just the sign on bonus, correct? So over the potential 4 years you are getting ~$400k more switching at Google? I don't know if you put that into your calculations. 190,000 salary 28,500 15% bonus 150,000 an...
by gunn_show
Wed Aug 09, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Startup vs big company (financial equity at stake)
Replies: 57
Views: 3593

Re: Startup vs big company (financial equity at stake)

1/ titles are always wonky, at my megacorp I would say 90% of the time if you look at a guy's signature, then look at what his internal profile says, they never match (guys always make themselves sound more important). And from company to company these things always vary. And lastly, at a smaller/st...
by gunn_show
Tue Aug 08, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: Startup vs big company (financial equity at stake)
Replies: 57
Views: 3593

Re: Startup vs big company (financial equity at stake)

[a] I am essentially trying to evaluate whether my need of looking elsewhere is actually legit, or if I am just really complaining for nothing and I adopted a "grass is always greener" mentality that a few people in this thread mentioned. Many people, family included, are telling me that at this ph...
by gunn_show
Tue Aug 08, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Internal Job Transfer - No Change in Base Salary
Replies: 7
Views: 1174

Re: Internal Job Transfer - No Change in Base Salary

Great points by stlutz that I agree with. For the most part, in a megacorp, salary / total comp / bonus / etc are all pretty structured and within specific bands and limits based on job codes, or some similar derivatives on that type of language and structure. Many non-sales IC roles are high salary...
by gunn_show
Mon Aug 07, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Internal Job Transfer - No Change in Base Salary
Replies: 7
Views: 1174

Re: Internal Job Transfer - No Change in Base Salary

However I've just found out that internal jobs transfers means that there is no change in base salary, so I'm curious how I should handle this. The new position involves managing people which my current role does not so I'm trying to use that to my advantage to highlight the increased responsibilit...
by gunn_show
Wed Aug 02, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Cabins - "investments" or "consumptive purchases"
Replies: 38
Views: 3034

Re: Cabins - "investments" or "consumptive purchases"

There have been some really good points on both sides of this conversation. It really depends on what you are comfortable doing with your time and money. About 5 years ago, my parents (recently retired) and myself bought a track of property in WV and built a small cabin. We split the mortgage payme...
by gunn_show
Tue Aug 01, 2017 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Will / Trust attorney fees -- how much? (quoted $2000-3000)
Replies: 31
Views: 3129

Re: Will / Trust attorney fees -- how much? (quoted $2000-3000)

I'm wondering if this benefit through work is worth it in this case. It sounds like I won't be getting an attorney who practices primarily estate law. Well that's a bummer aye Agree with Gill, would then go back and focus on attorney specializing in this field. The Hyatt Plan through Metlife lets y...
by gunn_show
Tue Aug 01, 2017 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Will / Trust attorney fees -- how much? (quoted $2000-3000)
Replies: 31
Views: 3129

Re: Will / Trust attorney fees -- how much? (quoted $2000-3000)

Based on the structure and nature of your assets and the planning needs for your family situation, $2,000 would seem to be a reasonable fee. I would not attempt to obtain a firm quote because the attorney does not know the complexities that might arise and would likely quote on the high side. Gill ...
by gunn_show
Tue Aug 01, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: Any tips for negotiating with extended stay hotels?
Replies: 5
Views: 872

Re: Any tips for negotiating with extended stay hotels?

I'm a Marriott guy, so that is my default recommendation. If you choose a national brand, it would probably be wise to get their credit card so your points are multiplied (5x in Marriott's case). + this + Marriott Courtyard or Residence Inn + get the branded CC stat call the hotel direct and ask fo...
by gunn_show
Sat Jul 29, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford it ? [A new car]
Replies: 95
Views: 6283

Re: Can I afford it ? [A new car]

I take this to mean he has $1mil / $1.25mil (-) $350k = $650k - $900k in net assets with $300k annual income plus the home / equity. Could he still afford the car in cash? Yes. Can he still afford to take the car loan at 1.x% rate? Yes. Depending on the car, I would still recommending paying cash f...
by gunn_show
Sat Jul 29, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford it ? [A new car]
Replies: 95
Views: 6283

Re: Can I afford it ? [A new car]

OP, Your gross income is 300K. Your net worth excluding the house is 350K. Let's assume your annual expense = 200K. Your emergency fund should be around 3 to 6 months of expense. Your emergency fund alone should be 50K to 100K. You should have the cash to buy the 50K to 60K car. Then, you have enou...
by gunn_show
Fri Jul 28, 2017 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Quit my 6-figure job?
Replies: 84
Views: 9060

Re: Should I Quit my 6-figure job?

Even more strange that the company itself would fund your degree and not proactively try to move you up the ladder. Kind of dumb. Really? Have you ever worked for Megacorp? Many will pay educational reimbursement. Few will "proactively" try to move those who participate up the ladder. They still ne...
by gunn_show
Fri Jul 28, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: Need advice - Job
Replies: 28
Views: 2293

Re: Need advice - Job

1 hour each way drive time vs. working at home? While that 17% increase sounds nice, much of it will be spent on transportation costs. +1 no way. I work from home, making damn good money, meaning 17% more for me would be a big chunk of change, and that would not come close to taking me away from 0 ...
by gunn_show
Fri Jul 28, 2017 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford it ? [A new car]
Replies: 95
Views: 6283

Re: Can I afford it ?

Buy a CPO Lexus. Reduce the depreciation hit. Saving and paying cash is optimal with a $300k income. This. I have done this twice (although not CPO, and much older) with great results with used Lexus vehicles this year (odd year in needing to replace both our vehicles). You get a LOT more car for y...
by gunn_show
Fri Jul 28, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Quit my 6-figure job?
Replies: 84
Views: 9060

Re: Should I Quit my 6-figure job?

Again, I ask: Not really sure, at the core, what you want us to answer with? 1. I'm am looking for people's experience either keeping a decent steady job verses taking a risk and going after something else. I know a lot of people on this forum have many more years of experience than me. 2. I comple...
by gunn_show
Thu Jul 27, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Quit my 6-figure job?
Replies: 84
Views: 9060

Re: Should I Quit my 6-figure job?

It's the things you don't do, rather than the things you do, that end up causing the greatest regret. Figure out the best way to get out of the handcuffs and do something else. Agree with this, and probably for the same reason CULater means, and not as much as other responses here do. Lot of people...
by gunn_show
Thu Jul 27, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Buying a vacation home in San Diego
Replies: 14
Views: 1681

Re: Buying a vacation home in San Diego

+1 was my first thought, how often are you really going to make these bi-coastal flights? If not, do you really want to be a landlord from 3000mi away in a city you have never lived in and have no connections currently? (connections being friends, property managers, maintenance people, contractors,...
by gunn_show
Thu Jul 27, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Where to move? New job, considering Nevada...
Replies: 28
Views: 2650

Re: Where to move? New job, considering Nevada...

I am a relatively high income earner (physician) working in a very HCOL area. Background: early 40's, single, no kids. Enjoy where I live (bay area CA), but not overly attached. Renting, so no home to sell (unfortunate as I would've made a killing!). Other options: CA - could stay here (with or wit...
by gunn_show
Thu Jul 27, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Buying a vacation home in San Diego
Replies: 14
Views: 1681

Re: Buying a vacation home in San Diego

Those seven hour or so flights coast to coast are not much fun. Seems like an odd place to buy a vacation home given where you live now. To me, it would make more sense to buy a house there when you are ready to move there and just rent a place for vacations. That way you can vacation in different ...
by gunn_show
Tue Jul 25, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: College student daughter got her car totaled. Advice?
Replies: 34
Views: 3120

Re: College student daughter got her car totaled. Advice?

I have bought two "new" cars in the last 9 months... both used Lexus vehicles (1 GX SUV, 1 GS350 sport sedan, both 2007) with >100,000 miles that so far (knock on wood) have driven flawlessly and needed nothing more than gas, and look much newer then their 2007 model years suggest. There are TONS o...
by gunn_show
Tue Jul 25, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: College student daughter got her car totaled. Advice?
Replies: 34
Views: 3120

Re: College student daughter got her car totaled. Advice?

I have been scouring local car dealers for a used car for our teen. Honestly, for a college student who is working and needs reliable transportation, there is nothing worth buying in the $5k range. It will either be fairly older with high mileage. I've set a budget of $10k, but, even then, it's dif...
by gunn_show
Tue Jul 25, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Family ski trip without breaking the bank
Replies: 39
Views: 3890

Re: Family ski trip without breaking the bank

I'm bringing this post back from the dead. I can fly into Denver cheap, but trying to fly into Grand Junction or Montrose is insanely expensive. a/ where are you specifically coming from? I always find these threads a bit odd when the OP doesn't give a starting location. b/ if you can get into Denv...
by gunn_show
Mon Jul 24, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: College student daughter got her car totaled. Advice?
Replies: 34
Views: 3120

Re: College student daughter got her car totaled. Advice?

I will have about 3 days to fly out and help her buy a car so finding something fast is more important than going through a long craigslist type search. I'm not sure the best way to buy a reliable used car fast these days. +1 hope your daughter is OK, and I won't comment much on the insurance part,...
by gunn_show
Mon Jul 17, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: Window Blinds - Bali, Levolor, Hunter Douglas
Replies: 30
Views: 64989

Re: Window Blinds - Bali, Levolor, Hunter Douglas

We've got both Hunter Douglas and Levolor (and others). I'm not sure where they have all come from. The Hunter Douglas seem to be higher quality but the blinds that we have from Home Depot have held up well and were much less expensive. On the venetians the weak point in the design seems to be the ...
by gunn_show
Mon Jul 17, 2017 6:29 pm
Forum: Personal Consumer Issues
Topic: San Jose and San Francisco Trip
Replies: 24
Views: 1843

Re: San Jose and San Francisco Trip

Thanks for the ideas of memorable places! May I have input for the $ side: What city should we pick for our hotel if we will likely visit places both in San Jose and San Francisco? I notice Palo Alto, San Mateo, Daly City. Should I go for Uber with two booster seats or just rent a car? Should I jus...
by gunn_show
Mon Jul 17, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Buying beach bungalow in San Diego for Winters
Replies: 55
Views: 4801

Re: Buying beach bungalow in San Diego for Winters

Class of '79 :sharebeer It's really not far, maybe 3 miles. Bikeable and the 30 bus takes you from UCSD to La Jolla Shores. You can even bring your bike on the bus if you don't want to tackle that hill by SIO. I wasn't suggesting AirB&B with the 10 month rental but it could be something to explore....
by gunn_show
Mon Jul 17, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Buying beach bungalow in San Diego for Winters
Replies: 55
Views: 4801

Re: Buying beach bungalow in San Diego for Winters

I'm a UC kid but went to Clairemont HS because UC High didn't exist. :wink: Just closed my La Jolla Shores Condo for about $700k. You can find a 1br condo in the general UTC area (think off of La Jolla Village Dr.) for around $500k. The biggest challenge is going to be finding an HOA that allows sh...
by gunn_show
Sun Jul 16, 2017 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Buying beach bungalow in San Diego for Winters
Replies: 55
Views: 4801

Re: Buying beach bungalow in San Diego for Winters

Personally I don't think the summers are that great either. Humidity sucks. Why not move to San Diego? This is the wisest advice you will ever receive. I have been to a place on the beach in San Diego. It's really great. BUT expensive. In your price range- are you after a place with a roof and a ba...
by gunn_show
Fri Jul 14, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 7481

Re: Do you consider business travel to be a perk or a burden?

For those of you traveling, how do you rack up points and miles? I am required to book everything with a corporate card at a business travel site. Since I don't travel a ton (maybe once a month) I will usually fly southwest since my odds of getting upgraded are nill. That's unfortunate, and one meg...
by gunn_show
Thu Jul 13, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 7481

Re: Do you consider business travel to be a perk or a burden?

I'd answer that it's not a perk or a burden - it's just part of the job that you need to decide if you want or not. I've traveled extensively for the past 25 years for my career and at times I love it, and at times I don't. But it's always been part of the job I chose. I have missed many nights at ...
by gunn_show
Tue Jul 11, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: 100k milestone
Replies: 49
Views: 5946

Re: 100k milestone

They loved my hard work and after 12 months consulting they converted me to a full timer. All the while financial people taught me finance at the firm and I learned through observation. I learned that a car payment per month was a sales gimmick and was irrelevant and what mattered was the rate and ...
by gunn_show
Mon Jul 10, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: 100k milestone
Replies: 49
Views: 5946

Re: 100k milestone

For those saying you hit 100k and then 10 years later you are at 500-900k? I am only investing an additional $500-600 a month. I am only working with about 30k income before taxes. I can live off of it and am content. How are you able to build your wealth that fast? Where do you have it invested? I...
by gunn_show
Mon Jul 10, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: How much of an increase of salary would you expect before switching jobs?
Replies: 94
Views: 6892

Re: How much of an increase of salary would you expect before switching jobs?

I'd wait for him to return your call. If you are sure you are not taking the job, then go ahead. If there is a chance they can make you a good offer, and you will accept, declining first and accepting later leaves a sour aftertaste in the hiring process. Just my 2 cents. Good luck! +1. If you have ...
by gunn_show
Mon Jul 10, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Gift to son buy a condo in San Francisco. Co-ownership?
Replies: 55
Views: 4263

Re: Gift to son buy a condo in San Francisco. Co-ownership?

Personally I appreciate the OP for his donation/investment in his son's living and future. My parents did something like this for my brother and I, bought a couple modest 3/2 starter SFH's 40 years ago and held on through the lean years and during all the years we cost money (sports, school, cars, ...
by gunn_show
Sun Jul 09, 2017 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Gift to son buy a condo in San Francisco. Co-ownership?
Replies: 55
Views: 4263

Re: Gift to son buy a condo in San Francisco. Co-ownership?

While I'm sure it's great to have generous parents a loan or gift from you will do nothing to contribute to his independence or sense of self-achievement. Sometimes parents have to stay on the sidelines for the child's personal growth The son is 31 with $250K in investments/savings and no debt. Not...
by gunn_show
Sun Jul 09, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: 100k milestone
Replies: 49
Views: 5946

Re: 100k milestone

do a forum search, there is a very long-standing thread about the 100k marker.. or give it a minute and Livesoft will pop up with it and likely a quirky statement to boot
by gunn_show
Sun Jul 09, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 5245

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

Is Subway literally the only "restaurant" in your town? (to be fair, I have an NYC consultant buddy that flies to somewhere in ALA weekly for work, and he claims this town has only McTerrible's and Subway) Can you get to a place like Chipotle? Check out Tim Ferriss' book The 4 Hour Body ... for many...
by gunn_show
Sun Jul 09, 2017 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: How much of an increase of salary would you expect before switching jobs?
Replies: 94
Views: 6892

Re: How much of an increase of salary would you expect before switching jobs?

From all that I have read, from OP and comments, I would not take this job. The increase is minimal, 45 min commute, longer hours, 630am start (?? non-starter alone for me), less vacation. No way. Should I even bother with a counter offer? We are far enough apart that they would likely balk....and ...
by gunn_show
Sun Jul 09, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: How much of an increase of salary would you expect before switching jobs?
Replies: 94
Views: 6892

Re: How much of an increase of salary would you expect before switching jobs?

From all that I have read, from OP and comments, I would not take this job. The increase is minimal, 45 min commute, longer hours, 630am start (?? non-starter alone for me), less vacation. No way. But I will also say, from reading between the lines from OP, you need to learn to negotiate. You should...
by gunn_show
Sun Jul 09, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 53
Views: 4228

Re: What to wear for job interview - skip the tie?

Think megacorp, sort of like engineering, not tech/IT related. In the office the men generally wear golf shirts or button down shirts and khakis or jeans. I do not want to seem over or under dressed for this interview. First, separate what is worn in an interview vs. what existing employees wear ev...
by gunn_show
Sun Jul 09, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking Advice on Graduate School
Replies: 14
Views: 1457

Re: Seeking Advice on Graduate School

I looked at various MBA programs and found one at a state school for $ 32,000 (it’s a one-year program). My friend is trying to convince me to apply to a top MBA program like Northwestern and take couple years off from work. I don’t think at this point in my life (I am 30) I want to leave the workf...
by gunn_show
Fri Jul 07, 2017 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on 1.2m (now 900K) house purchase
Replies: 188
Views: 11848

Re: Seeking advice on 1.2m house purchase

Rent with a shorter commute. Life is too short. I wonder if the HGTVification is to blame. House Hunters and the like show people "fulfilling" their dreams buying their "dream house". To go backwards and jeopardize financial security for a house with a long commute. I just don't get it sometimes. L...
by gunn_show
Tue Jul 04, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Pixel?
Replies: 46
Views: 4425

Re: Anyone bought a Pixel?

I would try to find a friend with one, and play around with it. Or go into a store and see if they have one open and usable. My buddy got one, coming off several Samsung Galaxy models in a row, and doesn't really like it. Also, it cannot run our secure work email VPN (akin to using Knox on Samsung, ...