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pascal

I am considering a purchase from a private party and want a projection of the TCO.

Can someone who owns the Infiniti 2013 or older chime in with the annual maintenance costs?

pascal

If your kid is interested in research opportunities - Purdue.
If he is never going to get into research and only getting jobs in the Bay Area - SJSU

pascal

Mpow are cheap. Yes they hurt my head too.

I think fit of the headphones to your head is more important after you buy $100+ headphones.

Active noise canceling isn’t necessary if the sounds you hear are white noise. Ath m50x is my choice.

pascal

No matter what anyone says $1100+ is outrageous. You can try to justify it all you like and in fact apple love it when you do. That is what has helped them be so successful and rich. Keep buying guys and girls so my TSM will rise. Maybe I should just buy apple stock after reading some of these comm...

pascal

We did a whole house install of blinds through Lowes a couple of years ago The experience was flawless. The quality of the blinds themselves are somewhat lacking, 1 out 14 has a slight curve when drawn fully upward, 1 has string issues and 1 has bent slats after 2 years. From what I've read, all thr...

pascal

I'm convinced that these $350k+ salaries are not the norm out there. Sure, they are out there, but they are not the norm. Maybe with FAANG and I heard LinkedIn mentioned, but I don't think most companies are paying that well at least not for HW folks. You've got to remember that this website certai...

pascal

Here you go - if you can endure some commute https://www.redfin.com/CA/San-Jose/1284-Tofts-Dr-95131/home/692530 Schools are 6/6/7 According to the listing, this house is “an oasis of peace and calm”...that is directly adjacent to the freeway. It would be irrational if the same house commanded 1.5M....

pascal

Here you go - if you can endure some commute https://www.redfin.com/CA/San-Jose/1284-Tofts-Dr-95131/home/692530 Schools are 6/6/7 According to the listing, this house is “an oasis of peace and calm”...that is directly adjacent to the freeway. It would be irrational if the same house commanded 1.5M....

pascal

Here you go - if you can endure some commute

https://www.redfin.com/CA/San-Jose/1284 ... ome/692530

Schools are 6/6/7

pascal

Yes, it is a decent compensation. If you want to feel terrible about it, go to teamblind.com. Or maybe hang around here a bit more. :twisted: If you want to live in Sunnyvale to Palo Alto - townhomes are at least around 1.2M. Several areas of San Jose - you will find 1500+ sq ft houses, 6000 sq ft p...

pascal

They are fishing.

Ignore them.

pascal

clickbait. Not actionable. Not talking about OP but of those websites.

pascal

https://ttlc.intuit.com/questions/32165 ... l-property

pascal

I agree, you're doing quite well. The median household income in this country is about $55k - you make more than double that and only have yourself to support. Don't compare yourself to the wealthiest of the wealthy except for inspiration and advice. Regarding home ownership : if that's really a dr...

pascal

No.

pascal

The slowdown is correct. I know active people in the Cupertino market and in the San Jose market and they have reported dropping asking prices.

Also Redfin, in their earnings alluded to a possible slowdown in the market.

pascal

Investing in SF Bay area real estate between 2009 to 2017 outstrips US stock market gains. Brb.. /s

pascal

OP - you should post here asking if you can even afford groceries. (Why did you have to purchase that house) /s

pascal

As madbrain said you cant have everything. Just because you earn 400k a year does not mean you get to live wherever you want in the Bay Area. Obviously there are people who make more than you living in places like Redwood City and Palo Alto. And now in Mountain View and Sunnyvale. Think of the stock...

pascal

Come on! You really believed a tweet he sent out?!

pascal

There was a time when I used to read and listen to people like Jamie Dimon with trepidation. Now I think I really understand the meaning of "Nobody knows nothing". I would have told you myself about 5%. Its coming - definitely - you can bet your house on it, until well.. it doesn't come an...

pascal

"There is a Taoist story of an old farmer who had worked his crops for many years. One day his horse ran away. Upon hearing the news, his neighbors came to visit. "Such bad luck," they said sympathetically. "May be," the farmer replied. The next morning the horse returned, b...

pascal

vineviz wrote: ↑Thu Jul 26, 2018 2:05 pm What is "Facebook"?

A company whose stock beat SP500 soundly.

pascal

Congratulations Brantley!

pascal

The electric vehicle credit is non-refundable. i.e it can't be more than your tax liability. Can someone help me understand this? Is my tax liability what I owe extra at the time of filing taxes in 2019 or does it also include all the taxes what I owe but already have paid and have zero tax liabili...

pascal

Very interesting and some hilarious responses. To be sure I am more or less functional with 6 hours of sleep. The last I took a nap was several weeks ago. And yes, its going to be in the car in the parking lot. As others said, how is engaging in small talk or browsing or general meetings where you t...

pascal

Do any of you take naps at work? I no longer work. But when I did I never took a nap. The only coworker who napped was an alcoholic. Work is for working. Home is for napping. Also I am a general light sleeper and have problems getting 7-8 hours of sleep every night. If you have sleep problems, work...

pascal

Do any of you take naps at work? I strongly believe it increases efficiency if I am are staring at your computer all day without meetings where I am driving. Also I am a general light sleeper and have problems getting 7-8 hours of sleep every night. If I do take such a break, I usually stay back mor...

pascal

Real estate has many tax advantages and real estate in iras has many complicated rules. No personal experience but Clark Howard thinks it is a bad idea. Thinking that any real estate market is immune to a downturn seems overly optimistic. https://clark.com/homes-real-estate/dangers-owning-real-esta...

pascal

I'd say that usually this forum does a great job of not letting political biases mix with Boglehead topics. Some of the posts I'm reading smack a little of anti-California perspectives. I mean... really? Normal people don't live in the Bay Area? What exactly is that supposed to mean? You want to kn...

pascal

Yes. There is a lot of work in Cognitive science , psychology, and in meta-ontology that relates to how people perceive and filter "reality" and how to even define what is "real". Are you looking for stuff mostly in how it relates to money and finances, or more broadly? Right. O...

pascal

Thanks for the links 2015 and all. I just bought the Chalmers brothers book. I am aware of Dan Ariely's work and its somewhat relevant to my question(about biases) but I was thinking more about our daily reasoning of events around us based on what we see and have seen. I've picked up Aaron Peck's bo...

pascal

Yes. There is a lot of work in Cognitive science , psychology, and in meta-ontology that relates to how people perceive and filter "reality" and how to even define what is "real". Are you looking for stuff mostly in how it relates to money and finances, or more broadly? Thanks -...

pascal

I don't know how to word this correctly so bear with me if it comes out all fuzzy or abstract. I want to know if there are blogs/papers/books from authoritative folks (people who have made scientific studies and not speakers/authors who only write/speak for a living) to examine if" People who a...

pascal

I think this forum would be served well if we put up grabiner and Meg77's replies on a sticky that was titled "If you want to pay down your debt -read this first"

pascal

I think when AirBnB started out it seemed like an extremely relevant market where you have extra rooms near cool places that could be rented for substantially lesser than nearby hotels. I used AirBnB back then and I thought that it would be industry changing or I would be a lifelong customer. I don'...

pascal

Knowing what Amazon has in AWS i would not suggest shorting the stock. Its hard to estimate its true value as its not a utility company. Might not be 1600 but maybe 1100 or 400

pascal

A decision to buy a house is never a slam dunk. Its ok to feel “omg what did i do”. You will be fine.

pascal

People do those drives because they have a family living that far away and don’t consider the 2 hour away job as permanent.

People who currently live ay the back of their cars or trucks can not afford the room rent.

pascal

You are kidding right? I would not take up residence in any of those rooms. They are cheap for a reason.

pascal

Even if I didn't have the mortgage, I would still itemize, because I have over $12K in other deductions. State and local taxes are limited to $10K, so a single taxpayer needs at least $2K of other deductions such as charity to reach $12K. Since I do this, every additional dollar of itemized deducti...

pascal

Taxes are insane! Questions: 1. Can we comfortably afford a 2mil house with $40k in taxes? There are other cheaper homes i.e. around $1.5m but these will require renovations (which we would like to avoid) 2. If we do buy such a $2mil home, should we put more than the 20% down? 3. If buying such a h...

pascal

Yes, but I have over $12K in deductions even before my mortgage. I pay more than $10K in state and local income and property tax, and donate more than $2K to charity. Therefore, I get the full benefit of my mortgage interest as a deduction. This is much less common for a married couple, which would...

pascal

I think the posts about "should I buy a house here's my financial situation" is bound to merit responses such as these. There isn't a general metric to go buy because as in most life decisions, you are taking a bet. A bet in the belief of US stock market succeeding, a bet that there wouldn...

pascal

My wife and I have rented for a long time. We don't like renting and do want to own. We've missed out on a ton of gains in real estate. But I bet we've actually made more by being invested in the stock market and by renting a comparatively smaller place than we would end out buying. Because we have...

pascal

This discussion is like the one we had in elementary school of “which is the best color” which as we all know is RED

pascal

A renter has a more enjoyable life because: - she moves close to the job and avoids commute - she spends less time with real estate agents, lawyers, and bankers - she spends less time with plumbers, electricians, landscapers, and tree removers - she spends less time at malls and with decorators - s...

pascal

We financed 30k at 0.9% which is $700 in interest over 5 years.

30k upfront would be something I could do but 30k in a Cd at 3% over a 5 year term is 34.7k.

I also like liquidity instead of only car.

pascal

Nate79 wrote: ↑Sun May 27, 2018 5:57 pm
What product gives a guaranteed return of 3% over 5 years?

CDs such as this one

https://www.synchronybank.com/banking/c ... _T_BR_CD_O

pascal

Why buy a new construction venue when you can buy a similar home thats old and 200,000 lesser. You would be considerably less bothered then.

I bought an old home priced similarity at about at about 2/3 your income in the sf bay area. Turned out to be fine.

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