Search found 123 matches

by pascal
Fri Jul 19, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: 2012 Infinity G37 Sedan maintenance costs
Replies: 24
Views: 2953

2012 Infinity G37 Sedan maintenance costs

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?

:sharebeer
by pascal
Thu Apr 18, 2019 4:42 pm
Forum: Personal Consumer Issues
Topic: College admission inputs - Purdue vs local SJSU vs others
Replies: 58
Views: 4230

Re: College admission inputs - Purdue vs local SJSU vs others

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
by pascal
Wed Jan 23, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: Headphones for a noisy/annoying office setting?
Replies: 16
Views: 1156

Re: Headphones for a noisy/annoying office setting?

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.
by pascal
Sat Sep 22, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 18623

Re: iPhone XS Max

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...
by pascal
Thu Sep 06, 2018 6:57 am
Forum: Personal Consumer Issues
Topic: My recent experience with buying custom window blinds
Replies: 36
Views: 28348

Re: My recent experience with buying custom window blinds

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...
by pascal
Sat Aug 25, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 24794

Re: Decent compensation to move to Bay Area CA?

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...
by pascal
Thu Aug 23, 2018 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 24794

Re: Decent compensation to move to Bay Area CA?

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....
by pascal
Thu Aug 23, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 24794

Re: Decent compensation to move to Bay Area CA?

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....
by pascal
Thu Aug 23, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 24794

Re: Decent compensation to move to Bay Area CA?

Here you go - if you can endure some commute

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

Schools are 6/6/7
by pascal
Thu Aug 23, 2018 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 24794

Re: Decent compensation to move to Bay Area CA?

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...
by pascal
Tue Aug 21, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 10330

Re: Landlord Nightmare

They are fishing.

Ignore them.
by pascal
Mon Aug 20, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Median pay for 30 Bay Area companies
Replies: 7
Views: 1858

Re: Median pay for 30 Bay Area companies

clickbait. Not actionable. Not talking about OP but of those websites.
by pascal
Wed Aug 15, 2018 3:14 pm
Forum: Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 3056

Re: 33 Male, how am I doing?

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...
by pascal
Wed Aug 15, 2018 1:08 pm
Forum: Non-US Investing
Topic: Should I speculate in currency?
Replies: 8
Views: 759

Re: Should I speculate in currency?

No. :|
by pascal
Tue Aug 14, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to stay in HCOL area?
Replies: 92
Views: 11247

Re: Can we afford to stay in HCOL area?

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.
by pascal
Tue Aug 14, 2018 9:29 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 122317

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Investing in SF Bay area real estate between 2009 to 2017 outstrips US stock market gains. Brb.. /s
by pascal
Sun Aug 12, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 7619

Re: how much car can we afford?

OP - you should post here asking if you can even afford groceries. (Why did you have to purchase that house) /s
by pascal
Sat Aug 11, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to stay in HCOL area?
Replies: 92
Views: 11247

Re: Can we afford to stay in HCOL area?

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...
by pascal
Wed Aug 08, 2018 5:37 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 31412

Re: TSLA privatization

Come on! You really believed a tweet he sent out?!
by pascal
Mon Aug 06, 2018 7:48 pm
Forum: Investing - Theory, News & General
Topic: Jamie Dimon: Higher rates are coming
Replies: 42
Views: 7170

Re: Jamie Dimon: Higher rates are coming

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...
by pascal
Thu Jul 26, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: The stock that got away
Replies: 40
Views: 3413

Re: The stock that got away

"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...
by pascal
Thu Jul 26, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: Facebook stock in freefall! (20% drop in 1-day)
Replies: 120
Views: 12519

Re: Facebook stock in freefall! (20% drop in 1-day)

vineviz wrote: Thu Jul 26, 2018 2:05 pm What is "Facebook"?
A company whose stock beat SP500 soundly.
by pascal
Wed Jul 18, 2018 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Electric/Hybrid Tax Credits
Replies: 14
Views: 1725

Re: Electric/Hybrid Tax Credits

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...
by pascal
Thu Jul 12, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 6890

Re: Anyone take naps at work?

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...
by pascal
Wed Jul 11, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 6890

Re: Anyone take naps at work?

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...
by pascal
Wed Jul 11, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 6890

Anyone take naps at work?

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...
by pascal
Sun Jul 08, 2018 7:18 am
Forum: Personal Investments
Topic: Investing in real estate with Roth IRA
Replies: 8
Views: 1075

Re: Investing in real estate with Roth IRA

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...
by pascal
Sat Jul 07, 2018 1:48 am
Forum: Personal Finance (Not Investing)
Topic: How do normal people afford the Bay Area?
Replies: 48
Views: 6960

Re: How do normal people afford the Bay Area?

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...
by pascal
Fri Jun 29, 2018 12:48 am
Forum: Personal Consumer Issues
Topic: Is there literature for a topic like this..
Replies: 9
Views: 1186

Re: Is there literature for a topic like this..

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...
by pascal
Fri Jun 29, 2018 12:43 am
Forum: Personal Consumer Issues
Topic: Is there literature for a topic like this..
Replies: 9
Views: 1186

Re: Is there literature for a topic like this..

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...
by pascal
Thu Jun 28, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: Is there literature for a topic like this..
Replies: 9
Views: 1186

Re: Is there literature for a topic like this..

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 -...
by pascal
Thu Jun 28, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Is there literature for a topic like this..
Replies: 9
Views: 1186

Is there literature for a topic like this..

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...
by pascal
Thu Jun 28, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: What is your debt interest rate threshold?
Replies: 57
Views: 4254

Re: What is your debt interest rate threshold?

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"
by pascal
Thu Jun 28, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 132
Views: 13517

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

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'...
by pascal
Wed Jun 20, 2018 2:09 pm
Forum: Personal Investments
Topic: Shorting Amazon
Replies: 44
Views: 5309

Re: Shorting Amazon

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
by pascal
Sun Jun 17, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Standard buyer's remorse or poorly timed enlightenment?
Replies: 40
Views: 4225

Re: Standard buyer's remorse or poorly timed enlightenment?

A decision to buy a house is never a slam dunk. Its ok to feel “omg what did i do”. You will be fine.
by pascal
Fri Jun 15, 2018 1:02 am
Forum: Personal Finance (Not Investing)
Topic: Why is the cost of renting private rooms in San Francisco Bay Area so cheap?
Replies: 26
Views: 4608

Re: Why is the cost of renting private rooms in San Francisco Bay Area so cheap?

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.
by pascal
Fri Jun 15, 2018 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Why is the cost of renting private rooms in San Francisco Bay Area so cheap?
Replies: 26
Views: 4608

Re: Why is the cost of renting private rooms in San Francisco Bay Area so cheap?

You are kidding right? I would not take up residence in any of those rooms. They are cheap for a reason.
by pascal
Tue Jun 12, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 507
Views: 143691

Re: Anyone regret paying off mortgage early?

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...
by pascal
Mon Jun 11, 2018 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Another home thread: 2mil / 40K in taxes
Replies: 59
Views: 6580

Re: Another home thread: 2mil / 40K in taxes

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...
by pascal
Mon Jun 11, 2018 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 507
Views: 143691

Re: Anyone regret paying off mortgage early?

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...
by pascal
Thu Jun 07, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive house in HCOL area
Replies: 70
Views: 8195

Re: Expensive house in HCOL area

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...
by pascal
Wed Jun 06, 2018 12:24 am
Forum: Personal Finance (Not Investing)
Topic: Expensive house in HCOL area
Replies: 70
Views: 8195

Re: Expensive house in HCOL area

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...
by pascal
Wed May 30, 2018 11:36 pm
Forum: Investing - Theory, News & General
Topic: Renting vs Owning Your Home
Replies: 198
Views: 20630

Re: Renting vs Owning Your Home

This discussion is like the one we had in elementary school of “which is the best color” which as we all know is RED :beer
by pascal
Wed May 30, 2018 9:00 am
Forum: Investing - Theory, News & General
Topic: Renting vs Owning Your Home
Replies: 198
Views: 20630

Re: Renting vs Owning Your Home

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...
by pascal
Mon May 28, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 250
Views: 37787

Re: Why pay cash for a car?

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.
by pascal
Mon May 28, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 250
Views: 37787

Re: Why pay cash for a car?

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
by pascal
Tue May 22, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Buy this home?
Replies: 39
Views: 4884

Re: Buy this home?

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.