Search found 396 matches

by random_walker_77
Wed May 24, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Equity and Salary Balance
Replies: 1
Views: 562

Re: Equity and Salary Balance

Hello, I'm investing in a business. I have a person that is specialized in this industry. He requested $75,000/year until we get the business started. He also requested 25% equity since he'll be building the business (sweat equity). I'll invest around $150,000 into the business and own the rest of ...
by random_walker_77
Wed May 24, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: carpet beetles (varied carpet beetle)
Replies: 16
Views: 1526

Re: carpet beetles (varied carpet beetle)

In addition to vacuuming frequently, you can also apply diatomaceous earth. If you think they're coming in from outside, apply outside your house, and you can apply along your baseboards or even into your carpet. Be sure you buy the food-grade DE, and wear a dust mask as inhaling it probably isn't s...
by random_walker_77
Wed May 24, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: denture/partial cleaners?
Replies: 3
Views: 361

Re: denture/partial cleaners?

Maybe not exactly the same, but I've got a nightguard that's over 16 years ago which still looks great. I use a daily soaking of denture cleaner. Didn't seem to matter which one -- I've used efferdent, polident, and the generics for them from walmart/target/HEB. As far as I can tell, the generics co...
by random_walker_77
Mon May 22, 2017 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring at 50. Making sure my investments are in order.
Replies: 15
Views: 3315

Re: Retiring at 50. Making sure my investments are in order.

Wow! Great info! I teach at a local University at night, so I will probably step that up after retirement as something to keep me busy and still another source of income in "regular retirement".... I guess my last question would be this... Do I keep my investments as they are now, or do I...
by random_walker_77
Mon May 22, 2017 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Retiring at 50. Making sure my investments are in order.
Replies: 15
Views: 3315

Re: Retiring at 50. Making sure my investments are in order.

Random Walker 77, Thanks for the info. Here's what I can answer.. 1. 60/40 has served me pretty well and I have been sticking with that for now. 2. I can roll the lump sum into my 457 tax deferred or another IRA.. Yes, I would pay taxes on it if I took the lump sum.. I can start drawing from my 457...
by random_walker_77
Sat May 20, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring at 50. Making sure my investments are in order.
Replies: 15
Views: 3315

Re: Retiring at 50. Making sure my investments are in order.

Thanks for your service -- that's a tough career field! Make sure you have a really good handle on what your expenses are. See if you can come up with a decent estimate for that health insurance you're planning to keep with the state. Figure out your annual expenses, and be sure to budget for the in...
by random_walker_77
Fri May 19, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: Insect repellent
Replies: 14
Views: 959

Re: Insect repellent

For a business trip to India, the travel clinic recommended 3M Ultrathon. The clerk at REI said the stuff was developed for the US military. Finding myself trapped in a dim sedan every night with several mosquitoes buzzing around (possibly carrying chikungunya/malaria), I was glad to find that it re...
by random_walker_77
Wed May 17, 2017 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else agree with my logic on silicon valley housing?
Replies: 84
Views: 6718

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

Austin must be the most overrated city to live in the country!! It is a nice place to live. However, everyone thinks it's one of the great places to live in this country. It's not! There's no ocean. There's no mountains. No saltwater beaches. No skiing. The weather is very hot. No "trees"...
by random_walker_77
Mon May 08, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Seattle and Vancouver with kids
Replies: 19
Views: 1227

Re: Seattle and Vancouver with kids

When are you going? The Ballard locks has a fish ladder with underwater viewing of the salmon returning to spawn. It's also kind of interesting to see how they move boats between the lake and the sound (which are at different heights) http://www.myballard.com/ballard-locks-seattle/ http://www.govli...
by random_walker_77
Mon May 08, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Seattle and Vancouver with kids
Replies: 19
Views: 1227

Re: Seattle and Vancouver with kids

When are you going? The Ballard locks has a fish ladder with underwater viewing of the salmon returning to spawn. It's also kind of interesting to see how they move boats between the lake and the sound (which are at different heights) http://www.myballard.com/ballard-locks-seattle/ http://www.govlin...
by random_walker_77
Sat May 06, 2017 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: ISO/NSO Grant Advice - Who do I talk to?
Replies: 6
Views: 408

Re: ISO/NSO Grant Advice - Who do I talk to?

For taxes, I'd look for a CPA who has a lot of experience with options. Really though, I'd strongly urge you to acquire and read "Consider your Options" by Kaye A. Thomas. This will give you a better understanding, and put you in a position to ask the right questions. I read an earlier edi...
by random_walker_77
Wed May 03, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: Great knife for slicing limes and raw potatoes
Replies: 56
Views: 3077

Re: Great knife for slicing limes and raw potatoes

I'm also very partial to the victorinox chef's knife. Absolutely agree that even cheap knives are great so long as you keep them sharp. We have an electric sharpener too, but I hate pulling it out, and then cleaning up all the metal dust afterwards. This ~$10 sharpener is my favorite. The tapered di...
by random_walker_77
Wed May 03, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Google voice started blocking some phone calls
Replies: 10
Views: 1288

Re: Google voice started blocking some phone calls

https://support.google.com/voice/answer/115089?co=GENIE.Platform%3DDesktop&hl=en Try going to voice.google.com. See if you can find the contact in your call list. On the left, if you click on the 3 dots, I'm seeing a list of folders, including the spam folder. Check in there too. Once you find i...
by random_walker_77
Tue May 02, 2017 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: Which to sell first: Options or Shares from Vested Restricted Stock
Replies: 15
Views: 1010

Re: Which to sell first: Options or Shares from Vested Restricted Stock

Exercising an option with a strike price at $40 doesn't make sense when the stock is at $43. This option has a lot of its value from the time value; if it were traded on the market, it would be worth a lot more than $3. The options that are deep in the money, with a strike price far below $43, are ...
by random_walker_77
Sat Apr 29, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Am I missing something when it comes to CDs?
Replies: 3
Views: 618

Re: Am I missing something when it comes to CDs?

Nope, you're on target. CD's are a great product and provide you a guarantee that institutional investors can't access. For a safe investment, this is a really good option. The only thing is that 2.3% - taxes is probably less than inflation. But for funds you need to be there in 1-3 years, it's prob...
by random_walker_77
Sat Apr 29, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for a new role with same employer - salary negotiation
Replies: 13
Views: 953

Re: Applying for a new role with same employer - salary negotiation

The standard approach here is to take the new position, develop the skills and prove a track record, then if you can't get commensurate compensation, interview around and see what the market will pay. Some employers purposefully slot newly promoted folks towards the low end w/ correspondingly low ex...
by random_walker_77
Sat Apr 29, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance? How much to get? How much do people have?
Replies: 8
Views: 779

Re: Auto Insurance? How much to get? How much do people have?

Enough to qualify for umbrella. I think it was 100/300, but might be 250/500 My company's umbrella then extends that out to the umbrella limit. With your future income stream, and driving under extreme sleep deprivation in your future, you probably ought o get an umbrella policy. Should only be one ...
by random_walker_77
Fri Apr 28, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Need a car for 9-12 months
Replies: 21
Views: 1728

Re: Need a car for 9-12 months

How's your tolerance for a car breakdown? Do you have the cash to purchase a used car, and possibly pay for a major repair(s). Time is money, and if you have the time, you can potentially save some money. But this money is basically a risk premium. Buying a used car: If you can get a old but decent ...
by random_walker_77
Fri Apr 28, 2017 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Which to sell first: Options or Shares from Vested Restricted Stock
Replies: 15
Views: 1010

Re: Which to sell first: Options or Shares from Vested Restricted Stock

What's the stock price at right now? What's your options strike price? What percentage does this represent in your net worth? Percentage of your investable account? What do you think might happen to the company between now and August? How volatile is this company's stock? With an upcoming exercise e...
by random_walker_77
Thu Apr 27, 2017 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring money back to Vanguard
Replies: 1
Views: 388

Re: Transferring money back to Vanguard

I've noticed that too, and think Vanguard is simply being pretty generous. You won't be able to withdraw it from vanguard, but this allows you to buy into the fund on the day you issue the order, even though Vanguard doesn't get the money for a couple of days. I can't say I've noticed this w/ a mone...
by random_walker_77
Thu Apr 27, 2017 9:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Lower ER .04%
Replies: 56
Views: 5636

Re: Vanguard New Lower ER .04%

There's definitely a diminishing returns effect here. I don't know that I care all that much here, though I take comfort in seeing Vanguard continue to lower its ER. They're the ones who started this race to the bottom, and they're the only ones I trust to keep at it. My suspicion is that we wouldn'...
by random_walker_77
Thu Apr 27, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to CA for 2 yrs, lease or buy used car?
Replies: 13
Views: 891

Re: Moving to CA for 2 yrs, lease or buy used car?

Another option is to take over someone else's lease. This gets you a shorter lease, and sometimes more favorable terms, as some people are willing to pay you extra to free them from their lease. Maybe you do a short term lease for 6-12 months, to give you time to scope out the used car market, or se...
by random_walker_77
Thu Apr 27, 2017 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Tax-sheltering and target retirement fund disadvantages
Replies: 45
Views: 3261

Re: Tax-sheltering and target retirement fund disadvantages

So I learned today that I can contribute about $3500 a year to my HSA. I'm assuming that since this is tax-advantaged, I should load it up with bonds? If you need bonds. And if you're eligible for an HSA, you must be on a high deductible health plan, so it's good to have the HSA in bonds that are m...
by random_walker_77
Thu Apr 27, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Please help with portfolio advice - from -$90k debt to $250 networth in 3 years.
Replies: 2
Views: 501

Re: Please help with portfolio advice - from -$90k debt to $250 networth in 3 years.

I'd second everything b42 just said and especially agree that 70/30 is a good starting point. That'd put you at age-10 in bonds. You might go +/- 10, depending on your specific risk tolerance. All those tech stocks imply a lot of risk tolerance, but... I'd have trouble sleeping well at night with th...
by random_walker_77
Thu Apr 27, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: When does it make sense to stop paying to repair your old vehicle?
Replies: 56
Views: 3901

Re: When does it make sense to stop paying to repair your old vehicle?

When? When it becomes unreliable by your standards. With your limited driving (3,000 miles/year) do you go anywhere that a breakdown would be a major inconvenience? One way to think about the economics: You have spent $2 or $3 k per year recently. Say $2400 per year or $200 per month. Can you repla...
by random_walker_77
Wed Apr 26, 2017 1:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 99
Views: 18063

Re: favorite bogleheads posts?

I really liked this one on buying at market peaks. World's worst market timer
by random_walker_77
Wed Apr 26, 2017 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement income for 50+ years?
Replies: 167
Views: 14506

Re: Retirement income for 50+ years?

I'd rather wait till the stock market crashes. I don't know when it'll happen and I'm not pretending I'll call the exact bottom but it'll be clear when it's happening, e.g. that chart will revert to the mean (or more) and there will be lots of fear, panic selling (not by Bogleheads though!), pessim...
by random_walker_77
Tue Apr 25, 2017 9:32 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 4857

Re: $300+ to remove a racoon. Really?

FWIW- Had a skunk give birth under our sun room. Threw 10 to 15 moth balls under the sun room porch and that night we watched the mother carry two babies, one at a time in her mouth out from under the porch. Also had a racoon move into our boat, and after scattering a bag of moth balls in the boat ...
by random_walker_77
Tue Apr 25, 2017 11:00 am
Forum: Investing - Theory, News & General
Topic: Re:NYT article - [Future of] Vanguard v. Everyone else
Replies: 5
Views: 1541

Re: Re:NYT article - Vanguard v. Everyone else

I know it's old news to all if you - need some hand holding here - what can be the future of funds industry if everyone catches on? I dipped toe in a year ago to VAnguard total stocks fund - more - like a leg - getting ready for full body plunge - from Fidelity managed and old TRowe company IRAs - ...
by random_walker_77
Mon Apr 24, 2017 11:06 pm
Forum: Investing - Theory, News & General
Topic: Thinking in real vs. nominal
Replies: 46
Views: 3169

Re: Thinking in real vs. nominal

Seconding DonCamillo and delamer, constant steady inflation is roughly ignorable. Everyone knows what it is, expects it, and income + expenses tend to adjust accordingly. Since prices, interest rates, and inflation will tend to balance out, it's much easier to think in terms of today's dollars, as o...
by random_walker_77
Mon Apr 24, 2017 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Retire By 40?
Replies: 12
Views: 2769

Re: Retire By 40?

Pay yourself first, and save as much as you can. You're way ahead of the curve thinking about this now. In addition to the references above, read this to understand why it's so important to save and live below your means: http://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-ea...
by random_walker_77
Mon Apr 24, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]
Replies: 45
Views: 6373

Re: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]

Data point. During a crash, stocks can lose 50-90%, bonds can lose 5-15%. Stock/bond crashes not typically coincidental. Bottom line. Don't sweat owing good bonds. I have heard this mentioned before that stocks can loose 50-90%. Is there any historical data that can back this up? It seems a very bo...
by random_walker_77
Mon Apr 24, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Sabbatical/year away plans-- what to consider?
Replies: 7
Views: 637

Re: Sabbatical/year away plans-- what to consider?

Be sure to budget for both medical insurance while you're travelling, and when you return. See insuremytrip.com Make sure you develop your contacts and network now, so that when you return, you know people who are connected and would want to hire you. Consider also that this sort of dream endeavor r...
by random_walker_77
Fri Apr 21, 2017 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Help with investing
Replies: 22
Views: 1508

Re: Help with investing

Thank you guys for the tremendous advice. I really appreciate it. I definitely agree my 401k can be stronger. To mitigate the impending stock shortcut for the near term, should I pivot to a 70/30 bond stock distribution and then invert after the market correction? And I used some take home calculat...
by random_walker_77
Fri Apr 21, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 129
Views: 12719

Re: Do you have an umbrella policy?

Wish I could get some of these low umbrella rates other people are paying...mine is $330 for only 1m and I called around - that was the cheapest and includes the discount from home/auto with same carrier. Tried to get 2m and it MORE than doubled. :shock: Unfortunately I'm in a HCOL area, one of the...
by random_walker_77
Fri Apr 21, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: California income tax on non-resident sole proprietorship independent contractors?
Replies: 5
Views: 677

Re: California income tax on non-resident sole proprietorship independent contractors?

This thread also says you owe CA taxes. Instead of CA taxes on top of US federal taxes, think of it as CA taxes on top of canadian taxes. That's California for you... On the other hand, for the amounts you're talking about, you're probably in a 4% bracket and averaging closer to 3% in taxes on your ...
by random_walker_77
Fri Apr 21, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: What to do with books
Replies: 16
Views: 1146

Re: What to do with books

Other options: Take them to a used book store, such as half price books. Donate them to your local library, which will almost always resell them Donate to goodwill See if there are any ebay resellers in town, who'll take them on consignment and sell them for you You could also sell them yourself on ...
by random_walker_77
Thu Apr 20, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: Evaluating my lack of jitters
Replies: 26
Views: 1710

Re: Evaluating my lack of jitters

Sure. I think if you aren't close to retirement, have adequate plans for emergency spending, and you know yourself well enough to be confident that a large drop in the present value of your portfolio is not something you will be too concerned about, then only 15% in non-equities is a reasonable all...
by random_walker_77
Thu Apr 20, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency fund
Replies: 13
Views: 1745

Re: Emergency fund

For most people, I agree w/ Grt2bOutdoors. Keep it separate, and keep it in cash or cash equivalents like money market or CDs. You need it for quick access, and for the most, you need it to be there when you need it. Bond funds can drop in value too. This is the easy, safe answer. Now at an academic...
by random_walker_77
Thu Apr 20, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Grow my taxable index fund, or contribute to a non-matching 403b?
Replies: 37
Views: 2612

Re: Grow my taxable index fund, or contribute to a non-matching 403b?

After everything, I still have about an additional $130-200 that I can contribute monthly to either: a) VTSMX, the lone holding in my vanguard taxable account (tax efficient index fund; currently half way towards admiral class status) b) Or, my employer’s 403b plan (they do not match my contributio...
by random_walker_77
Thu Apr 20, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Opinions needed what would you do
Replies: 5
Views: 520

Re: Opinions needed what would you do

I second Ruralavalon's question and comment. It looks very reasonable
by random_walker_77
Thu Apr 20, 2017 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor's Calculations Accurate re: VFINX v their Fund?
Replies: 13
Views: 1140

Re: Financial Advisor's Calculations Accurate re: VFINX v their Fund?

Oh, and just because the FA says they're a fiduciary, doesn't mean that they're a fiduciary for the client but rather for their firm. Or that they're not a full time fiduciary for the client. Yes, that's a real distinction! I also think this is brilliant -- a fiduciary who silently and temporarily s...
by random_walker_77
Thu Apr 20, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor's Calculations Accurate re: VFINX v their Fund?
Replies: 13
Views: 1140

Re: Financial Advisor's Calculations Accurate re: VFINX v their Fund?

I like this FA's approach -- it's really smart marketing. Then again, I've always enjoyed reading about scams. The problem is that the S&P 500 index (VFINX) is just the market return, almost by definition. 20% of funds do better. This FA is basically saying, why settle for VFINX-- if you beat th...
by random_walker_77
Thu Apr 20, 2017 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Financial Armageddon Insurance - how to spend $100k
Replies: 29
Views: 2598

Re: Financial Armageddon Insurance - how to spend $100k

Guns 'n ammo? You are only one person (or family). In the end, if a sufficiently large group wants what you have and is willing to do violence to get it, you are probably going to lose it. The obvious answer to that: join or start your own militia now! Or start your own cult, if you have the necess...
by random_walker_77
Wed Apr 19, 2017 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help with investing
Replies: 22
Views: 1508

Re: Help with investing

>> 4) Invest 50% ($5800) of remaining take home income plus bonus in three fund portfolio = $2900 I'd strongly urge you to think harder about this one. The stock part is volatile. In the short term, you might lose 50% of the stock portion right when you need it. Anything you want to use in the next ...
by random_walker_77
Wed Apr 19, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help with investing
Replies: 22
Views: 1508

Re: Help with investing

Sorry not sure why my reply went in as a private message. We have kept things separate but we do file jointly. She has maybe 5k in savings as she has been maxing out 401k and has just paid off her student loans. She's now ready to save maybe 2k a month until she finds her footing to get more. Since...
by random_walker_77
Wed Apr 19, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Help with investing
Replies: 22
Views: 1508

Re: Help with investing

And just to add, I'm hoping to accrue $250k on top of the 110k emergency fund I have now within the next say 5 years..=). My only investment experience has been with CDs at 1-2% unfortunately. My take home currently is about $8000 a month (after rent, expenses, car payment,, I'm left with only $480...
by random_walker_77
Wed Apr 19, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Help with investing
Replies: 22
Views: 1508

Re: Help with investing

Welcome to bogleheads! 3 fund portfolio is really nice. 1/3 bonds is about right for your age, but make sure you understand and can stomach the inevitable plunge in your invested portfolio. Figure on the stocks taking a 50% haircut at some point in the future. You might also consider more domestic s...
by random_walker_77
Wed Apr 19, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 129
Views: 12719

Re: Do you have an umbrella policy?

So what happens in an unfortunate auto situation where you are at fault and the other car had 4 "high earners." They'd blow right through 10 million? Option 1: Lawyer settles, collects your 1MM umbrella and underlying auto limit, and takes his ~33% contingency fee. $400k for a few days wo...
by random_walker_77
Wed Apr 19, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Why do I owe so much on my taxes?
Replies: 32
Views: 3960

Re: Why do I owe so much on my taxes?

Make sure in 2017 you pay at least 90% of taxes you paid in 2016 or you may have to penalty on top of tax due when you file your 2017 taxes. Note that while it's called a penalty, it's not worth freaking out over it. The penalty is basically just interest at a not-unreasonable 8%. I've had to pay t...

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