Search found 1249 matches

by gunn_show
Mon Jul 17, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: Window Blinds - Bali, Levolor, Hunter Douglas
Replies: 21
Views: 60659

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: 1625

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: 4311

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 expl...
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: 4311

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: 4311

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: 6524

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: 6524

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: 5424

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: 5424

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: 93
Views: 6002

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: 3985

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: 3985

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: 5424

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: 4615

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 .....
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: 93
Views: 6002

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: 93
Views: 6002

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: 54
Views: 3907

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: 1336

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: 10911

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...
by gunn_show
Tue Jul 04, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Pixel?
Replies: 46
Views: 4053

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, ...
by gunn_show
Tue Jul 04, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a credit card/good hotel brand combo
Replies: 20
Views: 1528

Re: Recommendations for a credit card/good hotel brand combo

There have been quite a few hotel / CC game threads lately you may want to check out. Also, I think your post is a bit too generic and not specific for what you want and where. Cheap in USA or expensive in London? World is a large place with many hotel provider options. Personally I have the SPG, Ma...
by gunn_show
Tue Jul 04, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: When to leave a job?
Replies: 11
Views: 1869

Re: When to leave a job?

I would get out while you can. It's much easier to find a job while you currently have one, plus it gives you flexibility to wait until you find something you are really excited about. Also you can typically negotiate it so you are made whole with respect to your RSUs. FWIW, I work at a tech megaco...
by gunn_show
Sat Jul 01, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can't find houses less than 3.3x income. Can we afford it?
Replies: 40
Views: 4422

Re: Can't find houses less than 3.3x income. Can we afford it?

That makes sense from the perspective that the job loss is temporary (e.g., lose my job and find a replacement in several months). What if I lose my job and can't find a replacement? If I can't ever find another software development job and have to live on minimum wage for the rest of my life, woul...
by gunn_show
Thu Jun 29, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Opinions on Job Change
Replies: 9
Views: 753

Re: Opinions on Job Change

Thank you to all the opinions. .... but leaving the pension behind is a little intimidating I guess my follow on questions would be... Can you explain the "pension" more? seems more like a 12% vesting match, which is nice, but you will more than make up for that with salary and bonus incr...
by gunn_show
Thu Jun 29, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Opinions on Job Change
Replies: 9
Views: 753

Re: Opinions on Job Change

If I understand correctly, you would be getting a $33k salary increase with better advancement opportunities + $11-22k bonus + better working environment and flex time, and the only thing you're losing is the difference between the current company's 12% match and the new company's 6% match? Based o...
by gunn_show
Thu Jun 15, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: 2004 LEXUS RX 330
Replies: 46
Views: 2709

Re: 2004 LEXUS RX 330

I figure if we are going to trade my wife's vehicle in, at least get her a "luxury" vehicle. Can anyone give any insight into what kind of vehicle this is? Caveat that I don't own a 2004 model or the RX330 model But I own a pair of 2007 Lexus vehicles (GX 470 (frigging beast v8!!!) and GS...
by gunn_show
Wed Jun 14, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a 25% pay cut for more professional satisfaction?
Replies: 57
Views: 3657

Re: Would you take a 25% pay cut for more professional satisfaction?

Only if you can afford to take lower paying job and only if you think one of the first two opportunities will provide you with those perceive benefits. If I was in my 20's, yes, I would go for it. That's interesting. I think my opinion is just the opposite. I've been out of my 20s for a few years n...
by gunn_show
Mon Jun 12, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice Urgently - Are we in over our heads?
Replies: 45
Views: 6102

Re: Need Advice Urgently - Are we in over our heads?

Situation: - In the process of closing a house for $645K - House ~117 years old - recently remodeled - not flipped - but currently has 2 beds and 1.5 baths in a very high potential location - Mortgage down payment 10% - Combined gross income is $185K - No other debt (paying off $81K additional in s...
by gunn_show
Mon Jun 12, 2017 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice Urgently - Are we in over our heads?
Replies: 45
Views: 6102

Re: Need Advice Urgently - Are we in over our heads?

If you both work for the local public schools you are much more likely to stay continually employed than if you both work for a tech start-up, for example. Not true at all. School districts often have to tighten their belts if/when the state has cut their budget. This invariably leads to layoffs. L...
by gunn_show
Mon Jun 12, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement or permanent limbo around 50?
Replies: 19
Views: 2382

Re: Retirement or permanent limbo around 50?

I saw this in another thread and it's a sobering thought. Is this reality if you don't have a government job? Retirement or permanent limbo around 50 is common among the large group of people I know directly or indirectly. I only know one person in a similar situation (former mortgage banker) who l...
by gunn_show
Sat Jun 10, 2017 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Converting a Windfall to Tax Advantaged Accounts
Replies: 25
Views: 1951

Re: Converting a Windfall to Tax Advantaged Accounts

But then, on the other hand, this seems like a debate between investing a lump sum and dollar cost averaging. I understand that historically speaking, investing the entire lump sum right away has a higher expected return in the long run than dollar cost averaging in over two years. So I've been thi...
by gunn_show
Fri Jun 09, 2017 8:00 pm
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 7228

Re: 100% Stock Portfolio?

Why bother arguing? It seems to me bonds are more for mental stability / sanity than actual returns If they help you sleep better, use them. If you're nearing retirement, use them to "save" what you've grown. If your young, I have no idea why you'd bother with bonds, but again - if it hel...
by gunn_show
Thu Jun 08, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Chase hotel credit cards / IHG Anniversary Free Night
Replies: 33
Views: 3555

Re: Chase hotel credit cards / IHG Anniversary Free Night

Marriott: Yeah, the Marriott cat 5 or lower limitation didn't work so well for me, either. I didn't look closely at the terms, but maybe if you can pay extra to use the Reward Night at a cat 6 hotel it could be worth staying with the card another year, just to see if it's worth it. Tough call, espe...
by gunn_show
Wed Jun 07, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Should I accept this special work assignment (more pay)?
Replies: 11
Views: 958

Re: Should I accept this special work assignment (more pay)?

The decision isn't really about 10k, and certainly not about your financial position. It is about whether you see a future for yourself in the company, desire to be known as a go-to resource, and wish to be on a promotional path. This. Clearly you (OP) also realize this is the main question at hear...
by gunn_show
Wed Jun 07, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Housing is too expensive.
Replies: 49
Views: 6337

Re: Housing is too expensive.

If we rent, rent would be similar to mortgage if we put 20% down. It sounds like you can afford it other than the downpayment? In any case, consumption is always a set of tradeoffs, few people can have everything. It seems like you opted for "two kids and wife doesn't have to work" as you...
by gunn_show
Tue Jun 06, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Traveling for 3 weeks
Replies: 17
Views: 1623

Re: Traveling for 3 weeks

2 & 3 - you really would be advised to read the small print. Does 2) specify coverage for a sick relative? For 3), "good enough" is never good enough when it comes to healthcare overseas. United may not consider a slip-and-fall to be an emergency. I would advise splashing out fifty bu...
by gunn_show
Tue Jun 06, 2017 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1947
Views: 322789

Re: What's Your Credit Card Rewards Strategy?

camillus - thanks for the helpful summary of the Southwest Companion Pass (CP). With Chase's bump to 60k miles I am trying to find a way for Southwest to work for me. I am based in NYC and "Southwest" destinations are of limited interest. If I could book a trip to Chicago (very interested...
by gunn_show
Sat Jun 03, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need umbrella insurance?
Replies: 17
Views: 1941

Re: Do I need umbrella insurance?

Get it...peace of mind. Its cheap...small price to pay to avoid catastrophe. I just signed up for it through geico. 1,000,000 policy for $130/year. Yup one steak dinner traded for an umbrella policy is a cheap peace of mind. Hopefully you never use it. If you ever have to, likely you will be amazin...
by gunn_show
Sat Jun 03, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting Quandary
Replies: 46
Views: 6717

Re: Inheritance Decision

Sounds complex enough legally and financially that it might be a good idea to consult an attorney and fee only financial advisor to go over your options. I do not like the hassle of real estate and would probably take my share in cash and stock, assuming other sibs are more interested in the real e...
by gunn_show
Thu Jun 01, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Job offer without an in person interview
Replies: 41
Views: 3604

Re: Job offer without an in person interview

However, I think I am going to propose an in-person meeting (aka "familiarization visit" or even just a lunch) prior to accepting any offer. You could sweeten the pot a little (especially if you are looking for them to pick up your travel expenses) with something like a "I intend to ...
by gunn_show
Wed May 31, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer without an in person interview
Replies: 41
Views: 3604

Re: Job offer without an in person interview

I do think KlangFool and David Jay made great points, so I am modifying my response a bit. But, yes, I do find this unusual for a public megacorp. I have worked at two F100 firms and both had final F2F interviews, in fact the last 5 tech jobs I have worked for did this. Cannot fathom why both sides ...
by gunn_show
Tue May 30, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: MBA in EU...worth it?
Replies: 15
Views: 1322

Re: MBA in EU...worth it?

I am hoping to get feedback from bogleheads with an idea I may consider exploring in greater detail...getting my MBA, in Europe. I'm turning 25 yo soon and have been out of school for 2 years. The reason I'd like to get an MBA is pretty simple, it's the next challenge on my radar. This is how I usu...
by gunn_show
Tue May 30, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Condo Assoc seeking thoughts
Replies: 24
Views: 2313

Re: Condo Assoc seeking thoughts

Does the association own exterior walls? Siding and paint will eventually need maintenance. Is there any other shared infrastructure? How bad is the difference between a 'normal' winter versus a 'really heavy' winter in terms of snow removal? Do you live somewhere subject to severe weather (hail, e...
by gunn_show
Tue May 23, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 3806

Re: Need new Router/Wifi Networking Ideas

How often do people replace their networking equipment? I know technology has evolved quickly and reading this make me feel like I am in the stone age. My current system is NetGear wireless router from circa 2005 and a Verizon router that slightly postdates that by maybe two years. Thanks for any i...
by gunn_show
Mon May 22, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 3806

Re: Need new Router/Wifi Networking Ideas

Have an Eero system with 3 access points. It's been great. Devices access whichever point has the best signal. One wifi network name and password. This is what I have and it works quite well. You can give out guest network passwords. It does all the updates itself overnight. Very simple to use. Goo...
by gunn_show
Sun May 21, 2017 11:19 pm
Forum: Personal Consumer Issues
Topic: Has anyone tried Orangetheory Fitness
Replies: 45
Views: 4330

Re: Has anyone tried Orangetheory Fitness

It is basically expensive cardio plus light weights with a rowing machine. I love it. I am on an 8 classes a month for $89 plan, so my drive to extract maximum value means I always go around 7-8 times a month. If you're the type of person who loves cardio or can regulate yourself, OT is a waste of ...
by gunn_show
Sat May 20, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else agree with my logic on silicon valley housing?
Replies: 84
Views: 7455

Re: Anyone else agree with my logic on silicon valley housing?

I think your analysis is spot on. My Megacorp has a de facto hiring freeze in the USA and all the new jobs are going to China. Why? - People work hard over there. Nights, weekends. The convention is to work weekends in order to 'earn' any national holidays. - Engineers have the same degrees, MS, Ph...
by gunn_show
Sat May 20, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Chandler, AZ
Replies: 35
Views: 2881

Re: Chandler, AZ

Why Chandler? I'm only curious. I work for a company based there. It's hot. As in temperature....no idea about the real estate market. what business unit are you in? a fab? ssd's? ;) last time I went out to Chandler, in August, it was nearly 116 degrees and we got caught in a mini haboob storm and ...
by gunn_show
Sat May 13, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Interested in lake property
Replies: 36
Views: 4068

Re: Interested in lake property

If you decide that you want a lake home then it would be a good idea to wait until you are ready to build and do it all at once. There are a couple of problems with buying an empty lot like that. 1) If your plans change undeveloped land can be very difficult to sell. Many real estate agents really ...
by gunn_show
Fri May 12, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Will I ever have enough for a condo/house in Cali?
Replies: 42
Views: 3374

Re: Will I ever have enough for a condo/house in Cali?

It will be an uphill battle unless you get your income up. Let's skip forward and you have $125k or $150k saved. If you are still making $60-$70k, you should not buy a $500k condo. Even if you went up to 3-4x your salary, you are looking at $300k as a top line number. Even if you could pay cash for...

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