Search found 1400 matches

by gunn_show
Wed Jun 20, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on job change consideration
Replies: 11
Views: 781

Re: Advice on job change consideration

A/ I am leaning towards taking the new job given the compensation increase and similar flexibility (working from home) and better work life balance. B/ The main concern i have is the lack of promotion schedule, which leaves me at risk to being stuck in my role compared to if i would have stayed in ...
by gunn_show
Mon Jun 18, 2018 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice (take the promotion or not)
Replies: 26
Views: 3116

Re: Career advice (take the promotion or not)

I feel like you're all over the place. If you want to make more money, find a new job with a new company. Yes, there are some negatives you will have to accept. greg24 is spot on with what I was trying to point out in my response above. Between the original post and his subsequent responses, it is ...
by gunn_show
Mon Jun 18, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice (take the promotion or not)
Replies: 26
Views: 3116

Re: Career advice (take the promotion or not)

Just wanted to jump in - I work as well in the semiconductor industry, and you are quite underpaid, assuming you have 8-10 years experience. You should talk the lead role, update your resume, and look for another job. This. Me too. Top semiconductor megacorp, but not an engineer. But you are way un...
by gunn_show
Wed Jun 13, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Normal equity offer in startup for early employee
Replies: 12
Views: 919

Re: Normal equity offer in startup for early employee

Very difficult to answer as it is situational. .... I took somewhere in that ~1% range for a lottery-ticket start-up (would be life-changing exit, but not super likely) but I also was able to nab a far above market salary so it was an easy choice. MotoTrojan hits it on the head across the board. #1...
by gunn_show
Tue Jun 12, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Tv mount with no studs
Replies: 20
Views: 1874

Re: Tv mount with no studs

OP here. So I've decided to abandon ship on the DIY. I found a installer wit good reviews who will do it for 100$. I feel more comfortable going this route with two very small kids running around the house. Can anyone recommend a swivel mount? I see a bunch of them on Amazon with good reviews for r...
by gunn_show
Tue Jun 12, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5435

Re: When should you consider removing the collision coverage on a car?

I dropped collision and comprehensive on my 10 year old truck with about 95K miles. The truck is probably worth around $8K. I also dropped rental and towing coverage at the same time. My reasoning - I only insure things I can't easily afford. Dropping collision saved me $300/year and dropping compr...
by gunn_show
Tue Jun 12, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5435

Re: When should you consider removing the collision coverage on a car?

I had a bad experience where I was hit by a driver in a rental car whose only insurance was the insurance he bought at the rental-car counter. Fair enough. I saw this after my response. But this is classic definition of "corner case" ... YMMV is right = you will choose to spend thousands of dollars...
by gunn_show
Tue Jun 12, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5435

Re: When should you consider removing the collision coverage on a car?

Just a couple of things to think about before dropping coverage . . . Collision coverage has some value beyond repairing your car in the event of an at-fault accident. It also entitles you to representation by your insurance company in the event of a not-at-fault accident, i.e., you can file a clai...
by gunn_show
Mon Jun 11, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Tv mount with no studs
Replies: 20
Views: 1874

Re: Tv mount with no studs

OP here. Thank you for all responses!! I have some research to do and a trip to home depot. I am not that handy so I am a little nervous about tackling this project. Lot of solid good replies here for sure But in your case, with your admission, personally I would hit Yelp or Nextdoor and find the b...
by gunn_show
Mon Jun 11, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5435

Re: When should you consider removing the collision coverage on a car?

I think a factor in this decision should be your exposure to an accident. How much do you drive and is it in an urban or rural area? If you drive 200 miles/month in a rural area, your exposure is low. If you are commuting daily in dense, urban traffic, your chance of being involved in an accident i...
by gunn_show
Mon Jun 11, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Moved Family Across Country for New Job and Job is now gone
Replies: 27
Views: 6438

Re: Moved Family Across Country for New Job and Job is now gone

I would at least have a quick chat with a lawyer about them reneging on the job unless you really think they would be insolvent too quickly to pay any judgement you get and you don't think it would hurt your reputation in the area you are in. It isn't a slam dunk, but being told you have a job, rel...
by gunn_show
Fri Jun 08, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: negotating salary for lateral move
Replies: 7
Views: 527

Re: negotating salary for lateral move

Is this change within the same company, or changing to a new employer? Just because the title is the same, does not mean it is a lateral move. If there is more responsibility, it is a promotion of sorts and should be appropriately compensated. same company. agreed that greater responsibilities shou...
by gunn_show
Fri Jun 08, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: negotating salary for lateral move
Replies: 7
Views: 527

Re: negotating salary for lateral move

Is this change within the same company, or changing to a new employer? Just because the title is the same, does not mean it is a lateral move. If there is more responsibility, it is a promotion of sorts and should be appropriately compensated. Hard to say, more details are needed here. What type of...
by gunn_show
Tue Jun 05, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Leave Job (Philly) and move To Arizon (Phoenix)?
Replies: 67
Views: 4967

Re: Leave Job (Philly) and move To Arizon (Phoenix)?

1. What do you do? For professionals there are probably more opportunities in Philly. The only SP500 company here is Freeport McMoran. In my situation I am a physician in private practice and Phoenix is less saturated and easier to practice here. Not to nitpick, and I don't live in AZ, but uh, this...
by gunn_show
Mon Jun 04, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on next steps
Replies: 6
Views: 931

Re: Looking for advice on next steps

Sandtrap laid out a pretty solid plan, I would follow that. The zero after-tax savings is the biggest concern. Also, why not maxing 401k for each, if you have so much surplus cash monthly. Same with HSA. These are prime pre-tax saving vehicles. With $170-200k in total income you should be maxing all...
by gunn_show
Sun Jun 03, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Profile: The Road to 1Million USD
Replies: 42
Views: 8414

Re: Profile: The Road to 1Million USD

From my stats, how long (if even possible) would it take to hit 1 Million? What can I do better? Great job, keep at it, you are very young. Without reading the other replies, some thoughts: You can create a FMV excel spreadsheet to track future values and savings, and there are many templates out t...
by gunn_show
Sun Jun 03, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Leave Job (Philly) and move To Arizon (Phoenix)?
Replies: 67
Views: 4967

Re: Leave Job (Philly) and move To Arizon (Phoenix)?

I believe you shouldn't even spend time pondering this until you actually visit Phoenix. You may love it. You may hate it. Hard to make an informed decision, otherwise. I can't even fathom moving to a place I have never visited before. Where do YOU want to live, OP? This. As of today, this is merel...
by gunn_show
Fri Jun 01, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Beach condo vs mountain cabin investment property
Replies: 30
Views: 2529

Re: Beach condo vs mountain cabin investment property

I live 6 hours from my mountain cabin. Bad idea. Don't do it. I live 7 hours from my mountain condo, and agree, it often makes it rough. You have to be dedicated and put enough days in each trip to make it worth the 7hrs each way. There is no quick way to drive 400 miles. We bought it on the cheap,...
by gunn_show
Mon May 21, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device [updated]
Replies: 56
Views: 3341

Re: Wifi + wired device

This is a no-brainer. A mesh wi-fi system is the easiest to set up/highest performing/bang for the buck combo out there. I use google wifi and it rocks. This. What I do, and I work from home and my office is downstairs / far from main hub. Works great. Or this, which I agree, not sure what you have...
by gunn_show
Mon May 07, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Potential job change with more opportunity/more risk - negotiate severance terms in advance?
Replies: 11
Views: 1018

Re: Potential job change with more opportunity/more risk - negotiate severance terms in advance?

there is no true negotiations until there is an offer. you interview, they offer, you negotiate, and then you either accept or not accept. there is reason why you are looking at different opportunity - whether it is career concerns regarding current place, bump in comp, etc. many times, the 'concer...
by gunn_show
Thu May 03, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Receiving house after parents pass away - legal issues with siblings?
Replies: 35
Views: 3468

Re: Receiving house after parents pass away - legal issues with siblings?

Question #1: Why were your parents unable to come up with 20% on their own? Question #2: Why are your parents buying a house they can't afford? I would suggest structuring a loan and have your parents pay you in monthly payments. Otherwise, you've given a gift to your siblings, worst case. Of all t...
by gunn_show
Thu May 03, 2018 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Commissions - How Negotiable?
Replies: 31
Views: 2058

Re: Real Estate Commissions - How Negotiable?

This was my exact experience. I assume for $1m or more house, the selling agent would come down more. Going through this now, similar price range as OP, and this is as a seller and a buyer (1031 exchange situation, both homes >$1M). In CA, especially the hot markets like SoCal and SFBA, it is very ...
by gunn_show
Fri Apr 27, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Comfortable Commuter Cars under $50K
Replies: 81
Views: 5925

Re: Comfortable Commuter Cars under $50K

I've always been a honda / acura guy, now a Lexus guy. Slightly older than OP, same income sphere, but married with a new kid my DD is a 2007 LEX GX 470 SUV... v8 AWD gas guzzling masher of a beast, fast off the line, comfortable as all hell. I drive it 7 hrs each way to snowboarding all the time. G...
by gunn_show
Thu Apr 26, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Another house budget question
Replies: 24
Views: 2193

Re: Another house budget question

A 1.2mil mortgage will have about 7 or 8k a month in PITI, more than double your current rent. Would that still be comfortable? What do you spend the other 6k a month on? How quickly can you get another job if your startup goes poorly? What if the tech market (assumption) goes south in a few years,...
by gunn_show
Thu Apr 26, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Who benefits from "best and final offer" on condo?
Replies: 107
Views: 6186

Re: Who benefits from "best and final offer" on condo?

First of all, don't get too caught up in this, there will be other houses. And if it makes you feel better, the "winner" may experience some remorse over the next few days, fearing that they really overpaid...which they probably did, since that is often what happens with multiple offer situations. ...
by gunn_show
Tue Apr 24, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 10292

Re: Salary Negotiation gone sour

So this is the first time you stated this (90-95 PLUS 10 to 15 percent bonus). You didn't state this originally. If you weren't clear with us is it possible you weren't clear to the recruiter and weren't clear to the hiring manager? Thanks Daft. OP which one is it? It is seemingly more likely you w...
by gunn_show
Tue Apr 24, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 10292

Re: Salary Negotiation gone sour

I have added color multiple times. I was interviewing expecting 90 to 95 plus 10 to 15 percent bonus. I was offered 5 less than the lowest base pay I could expect. How is this in any way a surprise that I didn't take it? It wasn't anything close to what I wanted. fair enough, then I retract my rema...
by gunn_show
Tue Apr 24, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Job Interview - Send follow up email?
Replies: 16
Views: 1734

Re: Job Interview - Send follow up email?

RickBoglehead wrote:
Tue Apr 24, 2018 12:28 pm
In the future, send a thank you email to EVERYONE that you met with. And quick, ideally the same day before they caucus about you.
This.

And then you reply to the first email directly to the hiring manager or recruiter as a 1-week courtesy follow up.
by gunn_show
Tue Apr 24, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 10292

Re: Salary Negotiation gone sour

They offered you nearly $100k total comp. I’m not sure what is wrong here. And you countered their counter with a difference of about $1K in total comp. As a hiring manager I would have walked. +1 see below I spoke with the recruiting agent's manager who stated that my experience was a little below...
by gunn_show
Tue Apr 24, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Any use in keeping Alaska Airlines card ?
Replies: 8
Views: 1376

Re: Any use in keeping Alaska Airlines card ?

Some other cards like UA's explorer do give you more access to award seats (international and local). Does Alaska's card do that ? [ don't think so] No. I only keep the AS card for the annual companion ticket. I put basically no spend on it and would cancel it if I found that I had no need for the ...
by gunn_show
Tue Apr 17, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Best High Interest Savings Account?
Replies: 20
Views: 2063

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: 1976

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: 1623

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: 1454

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: 5023

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: 4568

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: 5306

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: 15300

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: 1831

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: 7155

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: 74
Views: 7343

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: 3266

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: 3839

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: 2630

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: 3747

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: 3747

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: 2358

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: 2358

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: 2454

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: 60
Views: 4551

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