Search found 912 matches

by investingdad
Wed May 25, 2016 8:11 pm
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4581

Re: Noise Reduction

Just an update -- we made an offer on a house and it was accepted. Assuming nothing falls thru, we are moving early august! New home in a cul-de-sac in a quiet neighborhood. Yay, problem solved. Of course after all that happened I downloaded a sound meter app. Standing outside yesterday at rush hou...
by investingdad
Wed May 25, 2016 12:28 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on trips/vacations?
Replies: 74
Views: 4503

Re: How much do you spend on trips/vacations?

Our kids are 11 and 8. One big vacation per year, though doing two this year...maybe same next year. About 5k per pop. Been doing this since youngest was born.

Limited number of years for big family vacations, don't mind the cost.
by investingdad
Wed May 25, 2016 12:24 pm
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4581

Re: Noise Reduction

Just an update -- we made an offer on a house and it was accepted. Assuming nothing falls thru, we are moving early august! New home in a cul-de-sac in a quiet neighborhood. Yay, problem solved. Of course after all that happened I downloaded a sound meter app. Standing outside yesterday at rush hou...
by investingdad
Tue May 24, 2016 9:54 am
Forum: Personal Consumer Issues
Topic: Painting House Interior - How easy to do it yourself?
Replies: 93
Views: 4331

Re: Painting House Interior - How easy to do it yourself?

Painting rooms is easy, but like anything...your first attempt will not go as well as you'd want and you will pick up what works and what doesn't very quickly. Little things that come with experience... Easy does not mean no work...it's labor intensive. For example...bare feet and plastic drop cloth...
by investingdad
Thu May 19, 2016 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Getting married and how to quit my job. This is follow-up post earlier post
Replies: 16
Views: 1547

Re: Getting married and how to quit my job. This is follow-up post earlier post

We had a promising, young engineer quit to...travel and play music. And he told us. We wished him luck and invited him to contact us if was interested in returning in the future.

Simple.

I recommend the same approach.
by investingdad
Mon May 16, 2016 1:21 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 654
Views: 103595

Re: Boglehead Beer

ATTENTION! If you like Dogfish Head 90 Minute IPA, may I recommend pairing it with a good quality soft cheese? I recently got Saint Andre, a French made brie and had some on crackers with a bottle of 90 minute. Oh. My. Goodness. Every swallow of 90 Minute was like the first swig..only better. That c...
by investingdad
Mon May 16, 2016 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 20845

Re: Rich But Middle Class

I understand the feeling. We live in SF Bay area and are in similar boat as you. We make some $2M+ a year, pay 50% in taxes, private school etc. Out xpenses are around 250k a year. I spent quite a bit of time thinking why I now feel poorer then I ever have. It has nothing to do with future, it has ...
by investingdad
Fri May 13, 2016 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 212
Views: 20856

Re: Physician Retirement Savings

It's funny, but I think a lot of times folks on here react to high net worth the same way the general population does when "typical" Boglehead levels of success are shared with them. Namely, a bit of skepticism or antagonism. I'm not a doctor, just an engineer with a wife working in financ...
by investingdad
Thu May 12, 2016 6:39 am
Forum: Personal Consumer Issues
Topic: 30 minute commute?
Replies: 80
Views: 6875

Re: 30 minute commute?

I stopped complaining about my commute when co-worker told me that he is commuting from Poconos, PA to Manhattan everyday. http://martztrailways.com/departures-from-new-york/ Look up Wall St to Poconos, PA commute time :annoyed My in-laws have a summer place in the Poconos and when they first told ...
by investingdad
Wed May 11, 2016 11:50 am
Forum: Personal Consumer Issues
Topic: Is a home disaster looming? sump pump running constantly please help!
Replies: 46
Views: 4176

Re: Is a home disaster looming? sump pump running constantly please help!

Our sump ran a lot at our last house because the builder did a poor job with grading. We were below the level of the front sidewalk and sitting in a bowl. A little rain and it ran well after the rain stopped. Terrible civil design. Current house is full walkout and sits on a slightly crowned lot. We...
by investingdad
Wed May 11, 2016 9:22 am
Forum: Personal Consumer Issues
Topic: Is a home disaster looming? sump pump running constantly please help!
Replies: 46
Views: 4176

Re: Is a home disaster looming? sump pump running constantly please help!

Don't over think this. You just need to get the output from that white PVC to a downward slope at least 10 feet away from the foundation. jharkin is correct in that you have a recirculating water system here. With the first good rain you had all the water enter that perforated pipe which then leech...
by investingdad
Wed May 11, 2016 8:19 am
Forum: Personal Consumer Issues
Topic: Is a home disaster looming? sump pump running constantly please help!
Replies: 46
Views: 4176

Re: Is a home disaster looming? sump pump running constantly please help!

You may want to hire a civil engineering firm to investigate this properly. If you are under warranty, the builder will delay and stone wall until you are OUT of warranty. But with an engineers report you have real ammunition. If there is something going on that wasn't disclosed you may have a sound...
by investingdad
Tue May 10, 2016 10:23 pm
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4581

Re: Noise Reduction

I heard every noise outside my 1960 house when I first had it. After I had the place airsealed, added attic insulation and new storm windows, it is now much quieter, which was not the intent. Most sound comes in through the same cracks that air drafts take in and out. If your place is drafty, fix t...
by investingdad
Tue May 10, 2016 10:21 pm
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4581

Re: Noise Reduction

Yes, also scarred. The guy on the ATV leads to a cold sweat and I know it wouldn't if I hadn't listened to it everyday for years and years fifty feet outside my back door. When I hear it I feel like I've repeated the same mistake even though I know I haven't.
by investingdad
Tue May 10, 2016 10:16 pm
Forum: Personal Consumer Issues
Topic: 30 minute commute?
Replies: 80
Views: 6875

Re: 30 minute commute?

I used to drive an hour around Philly on all the fun highways. Before that, an hour around lower Bucks county in suburban traffic. Ugh. For the last decade, about 35 minutes in the morning through the countryside. Home about forty minutes because it takes a few extra minutes to get out of the mile o...
by investingdad
Tue May 10, 2016 7:40 pm
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4581

Re: Noise Reduction

I have LIVED this. We built our first house backing to a two lane road. I had no experience with road noise. Suddenly I did. Our first night in our first house and I was wondering how long until I could convince my new wife to move. Answer: 8 years until we got out of there. Here's what I did...pla...
by investingdad
Tue May 10, 2016 3:06 pm
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4581

Re: Noise Reduction

I have LIVED this. We built our first house backing to a two lane road. I had no experience with road noise. Suddenly I did. Our first night in our first house and I was wondering how long until I could convince my new wife to move. Answer: 8 years until we got out of there. Here's what I did...pla...
by investingdad
Tue May 10, 2016 3:03 pm
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4581

Re: Noise Reduction

The noise keeps me up at night. In my present house, before I made the offer-to-buy, I drove here and parked outside for a few hours late one night, just to listen. Not regretted doing that. Are you some kind of weird stalker to do that??? Kidding. :) I did the same before buying the lot. I also wa...
by investingdad
Tue May 10, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4581

Re: Noise Reduction

I have LIVED this. We built our first house backing to a two lane road. I had no experience with road noise. Suddenly I did. Our first night in our first house and I was wondering how long until I could convince my new wife to move. Answer: 8 years until we got out of there. Here's what I did...plan...
by investingdad
Sun May 08, 2016 9:22 am
Forum: Personal Finance (Not Investing)
Topic: One job offer, what should I do??
Replies: 45
Views: 4216

Re: One job offer, what should I do??

Did it end up being more money then what you thought company A was going to offer? I bet it doesn't matter. When you know which place you want work for and the offer comes through, it usually less to better job satisfaction in the end. Glad things worked out...almost exactly the way they did in my ...
by investingdad
Sat May 07, 2016 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: One job offer, what should I do??
Replies: 45
Views: 4216

Re: One job offer, what should I do??

Did it end up being more money then what you thought company A was going to offer? I bet it doesn't matter. When you know which place you want work for and the offer comes through, it usually less to better job satisfaction in the end. Glad things worked out...almost exactly the way they did in my ...
by investingdad
Fri May 06, 2016 9:30 am
Forum: Personal Finance (Not Investing)
Topic: One job offer, what should I do??
Replies: 45
Views: 4216

Re: One job offer, what should I do??

If you send the email letter, drop the informal language with the ?! combination, it looks unprofessional. I encourage you to contact the preferred company with the honest info that you have an offer but would rather work for them. I was in a similar situation. Had an offer, accepted, and was schedu...
by investingdad
Tue Apr 26, 2016 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 108
Views: 12316

Re: I Hate My Job: Politics at Work (Advice Needed)

There was also some implied expectations during my interview that I will be the main individual contributor for the specific R&D project that I am hired for - which is why I took the job. In retrospect, I might have misread the situation. It turned out on the first day of the job, I found out t...
by investingdad
Tue Apr 26, 2016 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 108
Views: 12316

Re: I Hate My Job: Politics at Work (Advice Needed)

FWIW: I actively give away credit, even to people who do not really fully deserve it. I do enough good work and have enough recognition that I will do fine if I do not get all the credit. And guess what? People like to work with me and my teams do very well. This is hugely important and something m...
by investingdad
Tue Apr 19, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Need Help, received tax refund check before filing tax returns
Replies: 10
Views: 977

Re: Need Help, received tax refund check before filing tax returns

A fraudulent return was filed in my name this year but the IRS and I figured out what was happening before a check was sent. I'm guessing fraud for the OP and he should assume all personal information has been compromised. Take action now with SSA, IRS, and all credit agencies. Why did the check go ...
by investingdad
Sat Apr 16, 2016 5:34 pm
Forum: Personal Consumer Issues
Topic: Buying the most expensive house on the street?
Replies: 34
Views: 4844

Re: Buying the most expensive house on the street?

You buy the house that makes you happy, as long as you can afford it, period.
by investingdad
Tue Apr 12, 2016 7:55 pm
Forum: Personal Consumer Issues
Topic: I'm willing to pay them whatever they want!
Replies: 66
Views: 7778

Re: I'm willing to pay them whatever they want!

ensign wrote:Preparation H! :mrgreen:

Dude...you have NO idea.

Good call.
by investingdad
Sun Apr 10, 2016 2:26 pm
Forum: Personal Consumer Issues
Topic: I'm willing to pay them whatever they want!
Replies: 66
Views: 7778

Re: I'm willing to pay them whatever they want!

Stern Pinball.
Dogfish Head brewery.
by investingdad
Fri Apr 01, 2016 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Your first $100k
Replies: 52
Views: 8194

Re: Your first $100k

I have a goal to grow my retirement investment portfolio to $100k by the time I am 30 years old. I am a little more than halfway there at 26, very soon to be 27. My question for my fellow investors is at what age did you grow your retirement portfolio to $100k? And after that, how soon did $200k co...
by investingdad
Tue Mar 29, 2016 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Which Engineering Discipline for the next 20+ years !!!
Replies: 122
Views: 7374

Re: Which Engineering Discipline for the next 20+ years !!!

I selected chemical engineering for two reasons.

One, I really enjoyed chemistry, especially organic chemistry. If you're a chemical engineer, you'll appreciate how funny that is.

Second, it had a reputation for being difficult which led to higher salary numbers.
by investingdad
Tue Mar 29, 2016 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Young + LBYM = No Corp Ladder
Replies: 92
Views: 8414

Re: Investing Young + LBYM = No Corp Ladder

Middle aged professionals >$300k income that I've seen usually have networth around 500k-1m. Keep in mind many of these professionals start their career out $200-400k in the hole and 5-15 years behind everyone else due to additional schooling. Just what I've seen. YMMV That's very interesting to me...
by investingdad
Tue Mar 29, 2016 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Which Engineering Discipline for the next 20+ years !!!
Replies: 122
Views: 7374

Re: Which Engineering Discipline for the next 20+ years !!!

quantAndHold wrote:What kind of stuff does he like to build in the basement in his spare time?

This chemical engineer doesn't like building anything.

I prefer to model stuff on paper.

I now have an MBA, so I get to talk and sound like an engineer while my team does the real work. I just stay out of their way.
by investingdad
Tue Mar 29, 2016 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Which Engineering Discipline for the next 20+ years !!!
Replies: 122
Views: 7374

Re: Which Engineering Discipline for the next 20+ years !!!

I'm a chemical engineer. I'd recommend computer engineering, electrical, or mechanical. I'd also consider something that leads to computer forensics. As for engineering being to easy...I suggest a double major in electrical and computer engineering. Have him get back me after a few years of that cou...
by investingdad
Tue Mar 29, 2016 7:10 am
Forum: Personal Finance (Not Investing)
Topic: What is your current Cash to Investment ratio?
Replies: 112
Views: 6279

Re: What is your current Cash to Investment ratio?

Daryl wrote:To the people with remarkably low cash balances - are you including emergency funds / high yield savings accounts in "Cash" or "Investments"?


The 5% cash is cash in our bank.

I guess it's about nine or ten months of living expenses. We're 42, so mid career I suppose.
by investingdad
Tue Mar 29, 2016 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Investing Young + LBYM = No Corp Ladder
Replies: 92
Views: 8414

Re: Investing Young + LBYM = No Corp Ladder

All I know is this....I REALLY wish I could go back in time twenty years to the day I decided at 23 to make retirement investing a priority and treat that kid I used to be to a $100 case of beer.... Maybe you should go back and give him a six-pack of Schlitz and put $97 in his portfolio. Even then ...
by investingdad
Tue Mar 29, 2016 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Investing Young + LBYM = No Corp Ladder
Replies: 92
Views: 8414

Re: Investing Young + LBYM = No Corp Ladder

BW1985, Why? This is NORMAL. It is not how much you earn. It is how much you save and invest that determines your financial well being. If a person is not LBYM, there will never be ENOUGH money. KlangFool Because I can understand when a family of 4 living on the average HH income is on thin ice, it...
by investingdad
Mon Mar 28, 2016 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Young + LBYM = No Corp Ladder
Replies: 92
Views: 8414

Investing Young + LBYM = No Corp Ladder

In my current role with my MegaCorp, I've started interacting more with very senior leaders, including some who have weekly meetings with our CEO. While my role isn't especially senior, the work I do is enough to put me in the same room with some of these folks. And what I've observed, other than so...
by investingdad
Mon Mar 28, 2016 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Re-thinking Umbrella Insurance - just up Auto/Home Instead
Replies: 80
Views: 5904

Re: Re-thinking Umbrella Insurance - just up Auto/Home Instead

We took out a five million umbrella for a few hundred dollars about six months ago. We had to increase our auto limits first.

I'm glad we did based on assets we have, small cost for large piece of mind.
by investingdad
Sun Mar 20, 2016 7:40 am
Forum: Personal Finance (Not Investing)
Topic: What steps to take to decrease likelihood of credit card fraud
Replies: 31
Views: 2189

Re: What steps to take to decrease likelihood of credit card fraud

I've learned somebody accessed my social security account on line and filed a tax return in my name. FYI, these are both preventable. You can call SS to lock your account from online access. And you can ask the IRS for a PIN that you will then be required to put on your returns, near your signature...
by investingdad
Sat Mar 19, 2016 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire Next Door and Budgeting
Replies: 81
Views: 9188

Re: Millionaire Next Door and Budgeting

OP, I don't budget. I do "Pay Yourself First". I auto-deduct / deposit my paycheck to Trad. 401K, Roth IRA, Vanguard Taxable account, and my bank checking account. I spend money from my bank checking account. When my bank account money run low, I spend less. When you decide how much that ...
by investingdad
Sat Mar 19, 2016 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: What steps to take to decrease likelihood of credit card fraud
Replies: 31
Views: 2189

Re: What steps to take to decrease likelihood of credit card fraud

There is nothing you can do if the party managing your data is breached. My medical records were part of several million stolen last year and within the last two weeks I've learned somebody accessed my social security account on line and filed a tax return in my name. Nothing I could have to have st...
by investingdad
Fri Mar 18, 2016 1:06 pm
Forum: Personal Consumer Issues
Topic: Well...Identity theft...
Replies: 29
Views: 3724

Re: Well...Identity theft...

The most irritating thing is that I didn't loss my data...the party managing our medical records data did.
by investingdad
Fri Mar 18, 2016 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Voice recognition?
Replies: 7
Views: 749

Vanguard Voice recognition?

Just called Vanguard and learned that they are implementing optional voice recognition. Anybody using this yet?
by investingdad
Fri Mar 18, 2016 9:10 am
Forum: Personal Consumer Issues
Topic: Well...Identity theft...
Replies: 29
Views: 3724

Re: Well...Identity theft...

I proactively contacted the IRS this morning. A return was filed in my name. Amazingly, the IRS confirmed they had already flagged it as suspicous. I did the ID verify first which indicated a file had been returned. The very helpful woman (seriously, she was really nice) I spoke with told me that sh...
by investingdad
Fri Mar 18, 2016 6:41 am
Forum: Personal Consumer Issues
Topic: Well...Identity theft...
Replies: 29
Views: 3724

Re: Well...Identity theft...

Anyone that is a victim of ID theft should file a police report, and use it to prove that your ID was stolen with credit reporting agencies, IRS, etc. Otherwise you will need to pay for lifting a credit freeze whenever your credit history is checked (i.e. some job applications, credit card applicat...
by investingdad
Fri Mar 18, 2016 5:20 am
Forum: Personal Consumer Issues
Topic: Well...Identity theft...
Replies: 29
Views: 3724

Re: Well...Identity theft...

OP, Would you possibly have an ex-spouse in her/his 60s who might be eligible to collect half of your SS? Nope...no ex spouses. No business partners. I can tell you that we received a letter last year after a massive data breach of medical records. I'm betting that was the catalyst. Millions of peo...
by investingdad
Thu Mar 17, 2016 4:53 pm
Forum: Personal Consumer Issues
Topic: Well...Identity theft...
Replies: 29
Views: 3724

Re: Well...Identity theft...

Which is why I've frozen everything, never to be unfrozen.
by investingdad
Thu Mar 17, 2016 2:21 pm
Forum: Personal Consumer Issues
Topic: Well...Identity theft...
Replies: 29
Views: 3724

Re: Well...Identity theft...

fizxman wrote:This is going on at the same time all four of her wheels were stolen off her car and our wedding two weeks from this Saturday.

Thieves suck. True lowlifes.

Take solace in the fact that their lives are probably a mess and you don't have to be them.

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