Search found 198 matches

by bampf
Thu Sep 20, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to Dallas, how to establish residency
Replies: 47
Views: 2693

Re: Moving to Dallas, how to establish residency

Official guide from the state of Texas https://www.dps.texas.gov/internetforms/Forms/DL-5.pdf I did this and I guess I would ask what is your issue that you are trying to solve for? If your company carries you on the roles as a Texas resident and you do normal things like get a license, establish a...
by bampf
Thu Sep 20, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Moving to Dallas, how to establish residency
Replies: 47
Views: 2693

Re: Moving to Dallas, how to establish residency

Official guide from the state of Texas https://www.dps.texas.gov/internetforms/Forms/DL-5.pdf I did this and I guess I would ask what is your issue that you are trying to solve for? If your company carries you on the roles as a Texas resident and you do normal things like get a license, establish a...
by bampf
Sun Sep 16, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?
Replies: 118
Views: 11055

Re: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?

It was a success for me not because of the revenue and profit triple. It was a success for me because our team stays employed a few years longer. People matters. Corporate success is irrelevant. KlangFool Similar experiences. My biggest victories aren't around a product or sale but rather keeping r...
by bampf
Sat Sep 08, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8069

Re: Can Sneakers go with Business Casual?

I don't wear shorts to the office, but, I know people that do. If your office is concerned about the footwear you choose, get a new office. I generally prefer shoes (not sandals) and pants, but, I draw the line at anything more than that in terms of requirements. Your pants can't be full of holes.
by bampf
Thu Aug 30, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Free alternatives to System Mechanic on PC...
Replies: 4
Views: 400

Re: Free alternatives to System Mechanic on PC...

Upgrade to Win10. A lot of tooling is built into win10 and it really doesn't require these 3rd party tools anylonger...
by bampf
Fri Aug 24, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Is SSD PCIe storage suitable for a database?
Replies: 15
Views: 1049

Re: Is SSD PCIe storage suitable for a database?

rgs92 wrote:
Fri Aug 24, 2018 12:28 pm
Can't you just have cloud storage for all of this? It's only a few TB. Wouldn't access and transaction processing be fast enough for users?
That really depends on latency and a bunch of other things. People deploy dbs in the cloud all the time. The use case matters.
by bampf
Fri Aug 24, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Is SSD PCIe storage suitable for a database?
Replies: 15
Views: 1049

Re: Is SSD PCIe storage suitable for a database?

I am hearing lots of conflicting advice from different consultants. Our mission critical application is a large (3TB) SQL database with about 150 simultaneous users. Our hardware vendor set up the database to live on mirrored datacenter grade Intel 4TB PCIe SSD drives. We have had some problems tha...
by bampf
Thu Aug 16, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 45
Views: 1754

Re: Mail order pharmacy

Now that I have to take meds every day, it would be nice to have them mailed to my house. My cat also has daily meds to take. If I could find a good mail order pharmacy it would save me standing in line every month. Can you suggest a good mail order pharmacy? Pillpack was recently acquired by Amazo...
by bampf
Thu Aug 16, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Sign - Speed checked by Radar
Replies: 41
Views: 2923

Re: Sign - Speed checked by Radar

Are speed limits relevant in the era of self driving vehicles?
by bampf
Tue Aug 14, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Almost 30 - Check In
Replies: 33
Views: 3840

Re: Almost 30 - Check In

A $15,000 ring is insane given your current financial situation. Insane. Do not buy a $15,000 ring. I know you love your girlfriend. Like, a lot. I get it. But $15,000 is far too much to spend. It constitutes 30% of your yearly take home pay. That's too much. I spent $600 on the ring I gave my wife...
by bampf
Mon Aug 13, 2018 6:25 am
Forum: Personal Consumer Issues
Topic: Should I Do This? [borrow from relative to pay off loan]
Replies: 55
Views: 3089

Re: Should I Do This? [borrow from relative to pay off loan]

I'm sort of in the same situation but the other way around. It is a real stressor on me to see my family members tossing away their money by paying stupid high interest rates or credit card debt. For me, the $15K would be irrelevant in the long run. I would do this to help the other person out with ...
by bampf
Sat Aug 11, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Foscam Security Camera ( wire-free/IP )
Replies: 5
Views: 538

Re: Foscam Security Camera ( wire-free/IP )

I have used foscam, samsung, a couple of others. All ended up being crap in the long run. I am pretty much a nest cam fan boy right now. About ten minutes to set up, brilliant. Have several and will have several more. Quite good.
by bampf
Sat Aug 11, 2018 3:06 am
Forum: Investing - Help with Personal Investments
Topic: Preparing for a bear market
Replies: 43
Views: 5257

Re: Preparing for a bear market

What's the alternative? Cash in a box at the foot of your bed? Wumpum? IF you aren't happy with equities because of the risk and you are not happy with bonds because of the risk, you have very few investment vehicles. Cash. CDs. Real Estate (lot of work right there). Suppose you could buy gold from ...
by bampf
Fri Aug 10, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Should I Buy a Tablet?
Replies: 16
Views: 1360

Re: Should I Buy a Tablet?

Yes..
by bampf
Thu Aug 09, 2018 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 15457

Re: Will you pay for your kids' college/graduate education?

ad. Pious words like "duty" and "stewardship" sound good but the view of college as only worth it when it is a direct route to a clearly discernible career path, shortchanges both our kids and what colleges have to offer. I think we have a duty to help our kids find meaning and passion in life not ...
by bampf
Thu Aug 09, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 15457

Re: Will you pay for your kids' college/graduate education?

<<(in-state tuition + living expenses) times 4 yrs for each kid.>> Let's call this amount as X. If your net worth excluding the house at the time that when your kid goes to college is X, would you do it? How about 0.25X? How about 2X? I don't understand how anybody's answer to that question could b...
by bampf
Thu Aug 09, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Help to evaluate Job Offer
Replies: 27
Views: 1911

Re: Help to evaluate Job Offer

Current Employer: Large well known bank (Top 5) 96K Base Salary plus 10% Bonus 4 Weeks of Vacation Time VP Level Job Offer: Small Bank 100K Base Salary plus 10% Bonus 3 Weeks of Vacation Time AVP Level As far as 401K and health insurance plans, there are no big differences between the two companies...
by bampf
Thu Aug 09, 2018 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Ask for extension or turn down job offer?
Replies: 22
Views: 1439

Re: Ask for extension or turn down job offer?

This is pretty standard hiring tactics. Presumably there are quite a few in the cohort and it is less about the individual hiring manager and more about the corp process. I don't know of any blacklists although perhaps the company he turns down wouldn't hire him again. If he can see working there, t...
by bampf
Tue Aug 07, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 30
Views: 2388

Re: Grind and Brew Coffee Makers - worth it?

Jura Capressa S9. Worth every penny and then some.
by bampf
Mon Aug 06, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 15457

Re: Will you pay for your kids' college/graduate education?

And, I am not funding a french romantic literature degree. STEM or something marketable. Not saying they can't go get that, but, thats on them if they want it. I took a different approach and told my daughters to follow their hearts and not just their heads. My younger daughter has a PhD in the hum...
by bampf
Mon Aug 06, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: "Skin in the game"
Replies: 105
Views: 7313

Re: "Skin in the game"

why are so many assuming skin in the game has to mean debt? How about the student works summers and the majority of that money goes to tuition. That is skin in the game...their hard earned money. Exactly. In fact I think debt is the wrong thing. Its fine if it is your only option, but, in general d...
by bampf
Sun Aug 05, 2018 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 15457

Re: Will you pay for your kids' college/graduate education?

I have read many posts by parents who feel strongly about their college student having "skin in the game." Where I am puzzled is why would a student suddenly need a dose of reality when they go to college? Why is their drive, initiative, work ethic, scholarship, etc. unknown by their parents? Have ...
by bampf
Sat Aug 04, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 15457

Re: Will you pay for your kids' college/graduate education?

A few lessons: 1) It's important to emphasize that academics require work and focus. 2) It's important to gear your education to some real world outcome, namely, being able to make a good living doing something meaningful. 3) It's important to have some skin in the game. 4) It's important to have p...
by bampf
Sat Aug 04, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 15457

Re: Will you pay for your kids' college/graduate education?

We will pay for 4 years at the top state school including room and board. Out of state would be fine as well, but funding level stays the same. Tuition is about $15K and dorm life is about $15K. Kids will pay for books and extra curriculars (football games and beer or whatever). If they want to move...
by bampf
Mon Jul 30, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10505

Re: Peloton spin bike worth the high cost?

Top posting again. Wow. So much to unpack. (EDIT: To be fair, maybe it isn’t you pushing Zwift and I have conflated your post with someone else. If so, i’m Sorry and I’m still moving on.) You suggest people do the peloton thing because social media. I’m saying, not for me and I suspect others. You k...
by bampf
Mon Jul 30, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10505

Re: Peloton spin bike worth the high cost?

Can’t you just get a regular bike a rig an iPad and use YouTube spin classes for free? Yes, of course. You can also just run and use a jump rope. If you like to spin, this is a good approximation of a spin class. The instructor will shout out and congratulate you on your 100th ride, maybe comment y...
by bampf
Mon Jul 30, 2018 1:15 am
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10505

Re: Peloton spin bike worth the high cost?

Likelihood that someone finds practicing yoga in a third world setting attractive? Not very high. Likelihood that someone is drawn to practicing yoga with a glossy shoot done in a well-lit post industrial loft, in the company of the lithe and limber? Much higher. Same thing is going on here. YMCA h...
by bampf
Sat Jul 28, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10505

Re: Peloton spin bike worth the high cost?

Top quoting cause oh my god that's a lot of text...WRT to your post: Or, you know, it could be because I like it, I like having it in my basement and it causes me to move my butt on a regular bases. Just saying. Other option for cyclists like myself is a Smart Trainer and the Zwift platform app. I h...
by bampf
Wed Jul 25, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 8123

Re: Son Hurt at Summer Camp

Your son is entitled to be made whole if someone else injures him, either intentionally or through stupidity. It sounds like stupidity might be at play here. Opinions to the contrary are not based in logic or reason. They are just strongly held beliefs. They don’t help you. Only you can decide what...
by bampf
Tue Jul 24, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 8123

Re: Son Hurt at Summer Camp

I am puzzled by the approach that says "my son lost his balance and fell, how much money can I get?". I am being a touch hyperbolic on purpose, but we always complain about the cost of services. (Med, Ins, etc) This is one of the things that drive that sort of expense. I guess I would say "my kid l...
by bampf
Tue Jul 24, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 8123

Re: Son Hurt at Summer Camp

I am puzzled by the approach that says "my son lost his balance and fell, how much money can I get?". I am being a touch hyperbolic on purpose, but we always complain about the cost of services. (Med, Ins, etc) This is one of the things that drive that sort of expense. I guess I would say "my kid l...
by bampf
Tue Jul 24, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 8123

Re: Son Hurt at Summer Camp

I am puzzled by the approach that says "my son lost his balance and fell, how much money can I get?". I am being a touch hyperbolic on purpose, but we always complain about the cost of services. (Med, Ins, etc) This is one of the things that drive that sort of expense. I guess I would say "my kid lo...
by bampf
Fri Jul 20, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Is my umbrella policy over priced?
Replies: 20
Views: 1728

Re: Is my umbrella policy over priced?

$2m umbrella, 800 every six months, 2 teenage drivers.
by bampf
Wed Jul 18, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Current Situation
Replies: 10
Views: 958

Re: Help with Current Situation

Im with the other posters on this thread. Its not a lot of money. Personally I would roll it over to Vanguard and convert to a ROTH and invest it all in VTI. Then I would forget about it for a very long time.
by bampf
Wed Jul 18, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?
Replies: 33
Views: 6075

Re: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?

Two parts: First, if the lease doesn’t have the favorable landlord clauses mentioned above (sublets, number of guests, duration of stay, etc.), have coffee with your property manager and ask point blank what you’re paying for. PPMs are a dime a dozen (a subtle pun) ... don’t hesitate to remove a po...
by bampf
Mon Jul 16, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 93
Views: 4334

Re: Advice on IT Certification program

You are working for the wrong firm. And you just said in a previous post its basic economics. I pay something like $150FTE for medium cost are with 10 years or so of experience. In the Bay area I pay north of $200K which is very low for the bay, but, it is what it is. Students start out at about $6...
by bampf
Mon Jul 16, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 93
Views: 4334

Re: Advice on IT Certification program

A really good engineer or IT person is rare to find. You can train some people to a basic level but there is a level of intelligence, problem solving skills, tenacity you can't train. No amount of money or training will help at the advanced level. rich126, There is a bigger picture question here. W...
by bampf
Mon Jul 16, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 93
Views: 4334

Re: Advice on IT Certification program

Folks, in my experience, the biggest risk to technology right now is a complete lack of emerging talent in many many areas. The old folks are getting out. The new generation is driving snapchat and literally has no idea how technologies work. Yes, my experience is anecdotal. However, I have a real ...
by bampf
Mon Jul 16, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Did I get ripoff by this car mechanic?
Replies: 37
Views: 3979

Re: Did I get ripoff by this car mechanic?

Car threw a code, needed software update. Dealership charged $187. It was not 1.5 hours work, but they charge $110 for the connection and finding the TSB, then another 1/2 hour for the labor to apply the software update. This was OUT of warranty, in warranty it would have been covered. I have to cr...
by bampf
Mon Jul 16, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Did I get ripoff by this car mechanic?
Replies: 37
Views: 3979

Re: Did I get ripoff by this car mechanic?

Car threw a code, needed software update. Dealership charged $187. It was not 1.5 hours work, but they charge $110 for the connection and finding the TSB, then another 1/2 hour for the labor to apply the software update. This was OUT of warranty, in warranty it would have been covered. I have to cr...
by bampf
Mon Jul 16, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Did I get ripoff by this car mechanic?
Replies: 37
Views: 3979

Re: Did I get ripoff by this car mechanic?

Car threw a code, needed software update. Dealership charged $187. It was not 1.5 hours work, but they charge $110 for the connection and finding the TSB, then another 1/2 hour for the labor to apply the software update. This was OUT of warranty, in warranty it would have been covered. I have to cr...
by bampf
Mon Jul 16, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Did I get ripoff by this car mechanic?
Replies: 37
Views: 3979

Re: Did I get ripoff by this car mechanic?

Hooking up the computer to read codes is an hour of labor. Isn't that free at Autozone? also the reader is $15 on Amazon! But yes, I understand that the OP chose a mechanic to that job so he has to pay for it.. You should not file an online review, because of your poor handling of the situation, du...
by bampf
Mon Jul 16, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 10039

Re: Why own a bed?

You could also sleep on a mat woven from coconut fronds with a bit of wood as a pillow. I did that as a youngster. In fact we didn't have walls on some of the fales (houses) so that was nicer too. Except for the bugs. And, you know, not being able to walk when you woke up. I suppose to each their ow...
by bampf
Mon Jul 16, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: Did I get ripoff by this car mechanic?
Replies: 37
Views: 3979

Re: Did I get ripoff by this car mechanic?

RickBoglehead wrote:
Mon Jul 16, 2018 6:42 am

Hooking up the computer to read codes is an hour of labor.
This is mind blowing. It is literally less than 2 minutes. People got to eat, but, c'mon, that's just insane.
by bampf
Sun Jul 15, 2018 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Abundance came late, now I'm overwhelmed playing catch up
Replies: 26
Views: 4540

Re: Abundance came late, now I'm overwhelmed playing catch up

The cash has been sitting in a savings getting 1/10th of 1% interest. Other than the speed that you mention, is there another weak link(s) you see in my plan? Thanks. I am not really sure what you are trying to accomplish. You say "only $5K" and then go on to complain about the interest. Let's try ...
by bampf
Sat Jul 14, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 93
Views: 4334

Re: Advice on IT Certification program

Focus on Comptia A+ and Network+ certifications while trying to land a Helpdesk job. Can then focus on more advanced network certificates like a CCNA while working in IT. Chances of going directly into networking with no experience is slim to none. I totally disagree, again. A big part of this has ...
by bampf
Sat Jul 14, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: At last: the answer to longevity planning for retirement spending
Replies: 11
Views: 880

Re: At last: the answer to longevity planning for retirement spending

Interesting that the paper is not peer reviewed. Also never mentions what 9 test they use even in the abstract. :confused If you jump into the paper, they list it out, including the math: "Nine biomarkers (albumin, creatinine, glucose, 41 (log) C-reactive protein, lymphocyte percent, mean cell volu...
by bampf
Sat Jul 14, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: At last: the answer to longevity planning for retirement spending
Replies: 11
Views: 880

Re: At last: the answer to longevity planning for retirement spending

It could be just the thing for those who need a nudge to start ticking items off their bucket list; scientists have developed a blood test that reveals how long a person has left to live. The test draws on nine biomarkers found in the blood that can be used to calculate the biological age of a pers...
by bampf
Fri Jul 13, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 93
Views: 4334

Re: Advice on IT Certification program

Dottie57 wrote:
Fri Jul 13, 2018 1:58 pm

Would you really consider hiring someone who could navigate this? Sometime next year I am thinking of going back to work if I can find work that is somewhat related to what I used to do. -software developer.
I don't run networking, but, yes, I would. I do it all the time with other items.
by bampf
Thu Jul 12, 2018 9:03 pm
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 93
Views: 4334

Re: Advice on IT Certification program

I run a large engineering team. Frankly, I don't actually think these certificates are worth very much in and of themselves. Much of IT/Computer Technology is driven from the ground up. Before you spend a lot of time on coursework have your child build a network. If they can do that I guarantee tha...