Search found 457 matches

by random_walker_77
Mon Nov 20, 2017 12:24 am
Forum: Personal Finance (Not Investing)
Topic: Collection agency calls intended for another person:
Replies: 33
Views: 1770

Re: Collection agency calls intended for another person:

Wrong number calls by a 3rd party collection agency are always a fdcpa violation. I would sue each one and collect a grand plus. If they are calling a cell phone, that can violate the tcpa as well. Stack on another $1500 per call. Instead if complaining about stuff I would make some lemonade from w...
by random_walker_77
Mon Nov 20, 2017 12:11 am
Forum: Investing - Theory, News & General
Topic: AI/Machine Learning/Deep Learning in Investing
Replies: 8
Views: 876

Re: AI/Machine Learning/Deep Learning in Investing

This is an area of active research and development. On one hand, a lot is being discovered and it's gold rush time to go figure things out before everyone else, but that implies the exact opposite of off-the-shelf tools. If you're versed in deep learning and highly technical, maybe you can figure o...
by random_walker_77
Mon Nov 20, 2017 12:07 am
Forum: Investing - Theory, News & General
Topic: AI/Machine Learning/Deep Learning in Investing
Replies: 8
Views: 876

Re: AI/Machine Learning/Deep Learning in Investing

Not AI, but to give you an idea of the amount of money at play for a tiny edge in trading, there was news several years back about new internet cables being built at exorbitant cost just to save a few thousandths of a second on transmission latency. For similar reasons, I don't think it's a stretch ...
by random_walker_77
Sun Nov 19, 2017 11:20 pm
Forum: Investing - Theory, News & General
Topic: AI/Machine Learning/Deep Learning in Investing
Replies: 8
Views: 876

Re: AI/Machine Learning/Deep Learning in Investing

This is an area of active research and development. On one hand, a lot is being discovered and it's gold rush time to go figure things out before everyone else, but that implies the exact opposite of off-the-shelf tools. If you're versed in deep learning and highly technical, maybe you can figure ou...
by random_walker_77
Sat Nov 18, 2017 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Voluntary life insurance - how much?
Replies: 10
Views: 849

Re: Voluntary life insurance - how much?

It's open enrollment period at work and we have the option of purchasing voluntary life insurance at $0.79/month for $10K coverage all the way up to $59.25/month for $750K coverage. How much would you choose and why? What factors would you consider when making your decision? Unless you are old, sic...
by random_walker_77
Sat Nov 18, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: To buy or not to buy...house buying question (budget)
Replies: 17
Views: 1598

Re: To buy or not to buy...house buying question (budget)

With a stable income and a hcol, I wouldn't blink an eye if you were planning to buy at 3x your personal income, even with the student debt. That said, I'd also vote for renting a house within the required radius for the next year or two. When you buy, make sure you're ok with staying there at least...
by random_walker_77
Fri Nov 17, 2017 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Voluntary life insurance - how much?
Replies: 10
Views: 849

Re: Voluntary life insurance - how much?

I think there's three parts: Part 1, Do I need life insurance? a) Do I have obligations should I die early? Spouse, kids, debts that I actually care to repay. An example of the latter could be student loans cosigned by your parents -- with private student loans, cosigners can be liable if you die. b...
by random_walker_77
Thu Nov 16, 2017 12:30 am
Forum: Personal Consumer Issues
Topic: Creating External Exhaust for Microwave over Range - Need Reality Check
Replies: 26
Views: 2049

Re: Creating External Exhaust for Microwave over Range - Need Reality Check

Not for the OP, but maybe for other readers, if you're going to replace your hood, consider one of the ones designed for Asian cooking. They've got massive airflow, and can eliminate most smoke and odor even when frying bacon. Something like this https://www.pacairusa.com/mainThisRHProduct.php?Produ...
by random_walker_77
Wed Nov 15, 2017 12:19 am
Forum: Personal Consumer Issues
Topic: places to live near Stanford University
Replies: 35
Views: 2691

Re: places to live near Stanford University

Suggest you rent to see if the job works out and if you can stand living in an area with that level of horrendously high traffic and "too many rats in a cage" population density. If you do like that environment then certainly it would be a good idea to wait until the next downward business cycle th...
by random_walker_77
Tue Nov 14, 2017 11:58 pm
Forum: Investing - Theory, News & General
Topic: Improving returns on total bond market without changing the risk profile
Replies: 8
Views: 1122

Re: Improving returns on total bond market without changing the risk profile

Well, there's a few areas for retail investors where you CAN get more yield with less risk (or at least different). High yield FDIC insured savings accounts vs. t-bills (less liquid in an extreme financial system panic, but 0 duration risk instead of minimal duration risk) Bank or Brokered CDs vs. ...
by random_walker_77
Tue Nov 14, 2017 10:41 pm
Forum: Investing - Theory, News & General
Topic: Improving returns on total bond market without changing the risk profile
Replies: 8
Views: 1122

Re: Improving returns on total bond market without changing the risk profile

Isn't the fundamental theory that you can't get more reward without taking more risk? That if you somehow found an inefficiency and effectively beat the market by getting more reward for the same risk, then the market is pretty efficient and will tend to self-correct and remove that "free money" and...
by random_walker_77
Mon Nov 06, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 42
Views: 3142

Re: Heavy duty cordless drill/hammerdrill recommendation

How's the access? The other approach for sporadic use is to get a 2 ft cheater bar and pipe extension. If you get enough leverage, you can break loose bolts.

The "right" power tool is an impact wrench. There are also corded electric versions...
by random_walker_77
Wed Nov 01, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Car battery?
Replies: 53
Views: 3453

Re: Car battery?

warning: disconnecting your battery not only loses the radio settings, but it loses recent diagnostic data. This means that you can't reconnect and go get emissions testing done in counties where they need to scan for engine codes. It takes several trips before the emissions data is valid. If you're...
by random_walker_77
Wed Nov 01, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Cellphone Battery
Replies: 14
Views: 1303

Re: Cellphone Battery

Options: 1) buy a new battery and swap it in. Cheap from amazon or ebay 2) buy a "charging case" that fits around your phone and has a battery. Meant to act as a battery extender. Also cheap from amazon or ebay example: https://www.amazon.com/mophie-juice-Samsung-Galaxy-300mAh/dp/B00A1PAJZA 3) get b...
by random_walker_77
Tue Oct 31, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 41
Views: 2775

Re: Someone spoofing my phone number?

Neighbor spoofing; here is an NPR Planet Money transcript: http://www.npr.org/2017/07/31/540515367/familiar-looking-numbers-are-the-latest-twist-in-robocalls I remember listening to that podcast -- what a great episode. I particularly liked the part where the Chairman of the FCC got a spoofed call ...
by random_walker_77
Sun Oct 29, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Expat mail forwarding mechanics
Replies: 7
Views: 955

Re: Expat mail forwarding mechanics

FYI, the RV crowd care a lot about mail forwarding. You might want to poke around there for reviews.
https://www.google.com/amp/www.doityour ... tions/amp/
by random_walker_77
Sun Oct 29, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 18550

Re: Early-retired 35 year old with $1 million

Right now, your human capital is far larger than your investment capital. Retiring throws the human capital out the window and forces you to rely on the investment capital. Don't underestimate how difficult it can be to get back in the labor market. Congratulations on where you've gotten so far, bu...
by random_walker_77
Sun Oct 29, 2017 11:37 am
Forum: Investing - Theory, News & General
Topic: Thaler's Misbehaving: The Making of Behavioral Economics - FREE*
Replies: 10
Views: 671

Re: Thaler's Misbehaving: The Making of Behavioral Economics - FREE

I'm seeing the Kindle edition at $10?
Free to "borrow" for prime members

(Thank you for posting this)
by random_walker_77
Sat Oct 28, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 18550

Re: Early-retired 35 year old with $1 million

So call this a sabbatical instead. Recharge, cultivate your network of contacts, and come back to earn another million or two. The first million is the hardest. How easily can you resuscitate your high income? Also, for an extremely early retiree, read up on perpetual withdrawal rate, such as used b...
by random_walker_77
Wed Oct 25, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Hyatt Legal first hand experiences ? (new Employer benefit)
Replies: 14
Views: 1509

Re: Hyatt Legal first hand experiences ? (new Employer benefit)

I used Hyatt for a will and trust. The selection of lawyers is limited, but in a decent-sized city, there's still lots of options. We were happy with the service. That said, I think Hyatt might've come out ahead on the deal. I signed up for nearly 8 years before I actually went and got the will done...
by random_walker_77
Tue Oct 24, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: What information needed for insurance (auto; home; liability) quotes
Replies: 6
Views: 444

Re: What information needed for insurance (auto; home; liability) quotes

They're probably going to want basic info like age, gender, # years of driving experience, accident history, continuity of insurance coverage for last x years. For homeowner's, some structural details like type of siding/roof, # of bathrooms, attached/detached garage etc. Age of house, age of roof, ...
by random_walker_77
Mon Oct 23, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 25
Views: 1990

Re: Which minivan?

Can't really go wrong with either. Test drive both and see how you like them...

With a baby on the way, I highly recommend you get the power sliding doors and power rear hatch.
by random_walker_77
Sun Oct 22, 2017 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of converting all my total us stock market funds to target date funds
Replies: 8
Views: 1334

Re: Thinking of converting all my total us stock market funds to target date funds

I have my target date fund in a taxable account only because when I retire I want to have tax free money. I know it contradicts popular opinion on here though. Please explain. In addition to taxes on dividends and distributions along the way, you'll have long term capital gains. I suppose that if y...
by random_walker_77
Sun Oct 22, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Most economical way to ship clothing?
Replies: 9
Views: 641

Re: Most economical way to ship clothing?

Most clothing tolerates vacuum packing very well. So vacuum pack it to reduce the needed box dimensions (but you'll still be weight-constrained by weight). Unless it's very delicate, you can place the clothes in regular plastic trash bags. I find the kitchen size ones work well, but even the freebie...
by random_walker_77
Thu Oct 19, 2017 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: It's that time of year, and I'm pregnant!
Replies: 14
Views: 3539

Re: It's that time of year, and I'm pregnant!

3) Assuming those premiums are paid twice per month, the HDHP costs you $6056/yr for the family, after taking into account the employer's $1K HSA contribution. The PPO costs you $8208. The HDHP starts out cheaper, and it's now about expenses that narrow the gap until the PPO is cheaper. For the fir...
by random_walker_77
Wed Oct 18, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: It's that time of year, and I'm pregnant!
Replies: 14
Views: 3539

Re: It's that time of year, and I'm pregnant!

Ah, and be sure to budget for your upcoming medical expenses for you and your baby. For a 20-30k medical expense, you're going to have a ~$6K out of pocket (oop) bill expense HDHP, PPO, HDHP (oop), PPO (oop) 10K 10.6K 11.5K, 4.6K, 3.2K 20K 11.6K 13.5K, 5.6K, 5.2K 30K 12.0K 15.5K, 6.0K, 7.2K 40K 12.0...
by random_walker_77
Wed Oct 18, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: It's that time of year, and I'm pregnant!
Replies: 14
Views: 3539

Re: It's that time of year, and I'm pregnant!

If you're going to be on the HDHP for a full year, then definitely the HDHP. 1) The way it's set up, I think you'll actually come out ahead on the HDHP for any amount of out-of-pocket! (Justification below) 2) The one catch, and it's a big one, is this. The worst case scenario for the HDHP is if you...
by random_walker_77
Wed Oct 18, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: Help with PR emergency prep: Water filter, Propane stove, etc.
Replies: 46
Views: 2898

Re: Help with PR emergency prep: Water filter, Propane stove, etc.

PS, overstating the obvious, but since this is a young adult we're talking about, remember not to use a camping stove indoors. Certain clean-burning stoves, maybe, w/ ventilation and ideally a battery-operated carbon monoxide alarm...
by random_walker_77
Tue Oct 17, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: Help with PR emergency prep: Water filter, Propane stove, etc.
Replies: 46
Views: 2898

Re: Help with PR emergency prep: Water filter, Propane stove, etc.

I'd reiterate the advice from Pajamas. You probably don't need a water filter, and a pillcase of water purification tablets is suitable insurance. Contact the school to find out what conditions are like. For filters, I have this one, which is claimed to be good for 25 gallons of turbid water to 200 ...
by random_walker_77
Sat Oct 14, 2017 12:20 am
Forum: Personal Consumer Issues
Topic: Anyone Ever Jackhammered a Concrete Patio?
Replies: 27
Views: 1689

Re: Anyone Ever Jackhammered a Concrete Patio?

I manually removed an old sidewalk last summer & installed new...broke it up w/ a chisel by hand, loaded into the F150 drove to a . . Local utility companies will come mark buried lines for free. Takes about a week to get that done. That's where I'd start. but, but, but... why do it by hand? If you...
by random_walker_77
Sat Oct 14, 2017 12:16 am
Forum: Personal Consumer Issues
Topic: Anyone Ever Jackhammered a Concrete Patio?
Replies: 27
Views: 1689

Re: Anyone Ever Jackhammered a Concrete Patio?

I've broken up my share of concrete over the years thru various means. These Chinese demo hammers are great for the price and infinitely easier than sledge hammering well made concrete. https://www.amazon.com/XtremepowerUS-2200Watt-Electric-Demolition-Concrete/dp/B00IO3Z5MS/ref=sr_1_1?ie=UTF8&qid=1...
by random_walker_77
Thu Oct 05, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Garage door opener on last leg
Replies: 32
Views: 2878

Re: Garage door opener on last leg

Get a belt drive model as they're much quieter. Most come with battery backup, and extra wireless keypads. Replacing an existing garage door opener is pretty straightforward so long as you can reuse the old safety sensors. Did your old one have the optical beam at the bottom of the garage door? If s...
by random_walker_77
Tue Oct 03, 2017 11:18 pm
Forum: Personal Consumer Issues
Topic: My first promotion without a pay increase
Replies: 47
Views: 5081

Re: My first promotion without a pay increase

I agree with some others that they might not think you are a flight risk....Every now and then, wear a suit to work. Get haircuts regularly and make yourself look more marketable (whatever that means in your situation). Take off a day with very little notice. At the same, make a positive case to yo...
by random_walker_77
Tue Oct 03, 2017 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 14831

Re: Bay Area Real Estate

It's important to note that tech today is not tech in 2001 with the dot-com bubble. I'm not saying there aren't outrageously valued startups based on dubious ideas, but the largest employers are not going anywhere. They may have layoffs here and there, and some older companies may stagnate, but the...
by random_walker_77
Tue Oct 03, 2017 10:23 pm
Forum: Investing - Theory, News & General
Topic: Best way to sell annual stock grants?
Replies: 8
Views: 554

Re: Best way to sell annual stock grants?

I too would sell whatever stock put the most after-tax dollars in my wallet. In this case, short term stock w/ a high basis is better than LT stock with a low basis. Given that I'm going to sell 100 shares of xyz corp, choose whichever option pays the least amount of tax. Paying 35% of 1K is better ...
by random_walker_77
Thu Sep 28, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: My first promotion without a pay increase
Replies: 47
Views: 5081

Re: My first promotion without a pay increase

Yes, I am thankful to have a good job, manager, and team . It's just disappointing to not be financially rewarded for going above and beyond. I am trying to focus on the intangibles like the work-life balance (which is I'd say TOO good and delays work), an easy commute, and a solid team. Keep in mi...
by random_walker_77
Thu Sep 28, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 14831

Re: Bay Area Real Estate

Because it's pointless advice. And it's incredibly predictable on any thread (on this board and on others) that mention Bay Area housing. . . I don't think one should never move from the Bay Area. For some it's a good choice. If you think you can't cut it, if you've made it, if the work life balanc...
by random_walker_77
Wed Sep 27, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 14831

Re: Bay Area Real Estate

If you are being valued by the company you work for then you should be seeing RSUs (see discussion above) of 1-2x your salary every year with a vesting over maybe 4 years (paying out 1/48 every month). You start to get 1/4 to 1/2 of your salary in RSUs in year one and once you are 4 years into that...
by random_walker_77
Wed Sep 27, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 14831

Re: Bay Area Real Estate

If you're considering buying a house in the bay area and you have the 20% down payment saved up, consider moving to a cheaper part of the country and buying a house with cash. With no mortgage, your after housing income will probably be about the same in a lower cost of living area compared to livi...
by random_walker_77
Sun Sep 17, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Buying nightguards (teeth grinding)
Replies: 52
Views: 4405

Re: Buying nightguards (teeth grinding)

I have a dentist-made nightguard. It was expensive, several hundred $ when I got it back around 2001. But it's very rigid, thin, and with daily use of denture cleaner, it's still very clean. That said, it's worn down from grinding and I think I'm going to have to get another one in a year or two. Am...
by random_walker_77
Sun Sep 03, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: After market rear view (backup) cameras.
Replies: 19
Views: 2013

Re: After market rear view (backup) cameras.

I added one to my older minivan for ~$30 in parts (display panel, camera, wireless transmitter), when they were bundled on sale. Looks like it's more like $60 at regular price. viewtopic.php?t=201838#p3092441
by random_walker_77
Mon Aug 28, 2017 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Check serial number caused an issue
Replies: 26
Views: 2370

Re: Check serial number caused an issue

Also do note that you don't have to order checks from your bank. It's perfectly fine to order them from costco/sam's/walmart etc. and then you pick the design and starting check number. Might as well make it 8780 or something equally high There are also the family of check printing companies that fr...
by random_walker_77
Mon Aug 28, 2017 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: stopped check / holder in due course
Replies: 16
Views: 1589

Re: stopped check / holder in due course

Read this FTC opinion before you proceed. IANAL, but I doubt that you can be successfully sued in this case. Get legal help if you need it. That ruling is about if you used credit, which further underscores the big difference between paying by check vs credit. Reading this was very eye opening for ...
by random_walker_77
Fri Aug 25, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: stopped check / holder in due course
Replies: 16
Views: 1589

Re: stopped check / holder in due course

Thanks all, looks like I'll be paying the check cashing firm. Up until now, I hadn't properly appreciated the protection that a credit card offers over paying by check. sigh.
by random_walker_77
Wed Aug 23, 2017 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: stopped check / holder in due course
Replies: 16
Views: 1589

stopped check / holder in due course

Hello everyone, I realize I need to go find a consumer (?) lawyer for a consultation, but thought I'd poll the collective wisdom for some advice on what to ask and what points I need to consider. Essentially, I had a contractor do some work on my home here in Texas. Their credit card reader was "bro...
by random_walker_77
Tue Aug 01, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: Dinner plates that do not get so hot after microwaving?
Replies: 37
Views: 3850

Re: Dinner plates that do not get so hot after microwaving?

According to an article I read earlier this year, there's a chemistry angle on this. Earthenware contains water and will heat in a microwave, but stoneware and porcelain will have eliminated all water: https://eic.rsc.org/feature/the-chemistry-of-pottery/2020245.article Stoneware vs earthenware Pots...
by random_walker_77
Thu Jul 27, 2017 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendations for 3-Fund at Schwab
Replies: 9
Views: 1024

Re: Recommendations for 3-Fund at Schwab

It was pointed out to me that SWISX doesn't include exposure to Canada nor emerging markets. I wonder, as a practical matter, how significant is this difference. Developed markets are about 75% of international stocks. Emerging markets are about 20% and Canada is about 5%. Whether you consider the ...
by random_walker_77
Thu Jul 27, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Recommendations for 3-Fund at Schwab
Replies: 9
Views: 1024

Re: Recommendations for 3-Fund at Schwab

Note that the wiki lists equivalent funds for schwab, fidelity, and others:

https://www.bogleheads.org/wiki/Three-f ... head-style

Schwab Total Stock Market Index (SWTSX)
Schwab International Index (SWISX)
Schwab U.S. Aggregate Bond Index Fund (SWAGX)
by random_walker_77
Tue Jul 25, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: My risk tolerance suddenly went down
Replies: 33
Views: 5750

Re: My risk tolerance suddenly went down

Congrats on the new job, and count yourself very lucky indeed. In learning this lesson now, in finding a new job so quickly, and in the large raise. Perhaps you should've been shopping your resume earlier to keep abreast of market compensation, hmm? As you've seen, you shouldn't ever have occasion t...
by random_walker_77
Tue Jul 25, 2017 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 143
Views: 14012

Re: Another bay area housing thread..

So, a question I've got to ask... where's the shame in renting a house? With the income levels we're talking about, and with kids on the distant horizon, why not just rent in someplace central like Sunnyvale and pay for a quality private school when the time comes? Zillow implies that a typical hous...