Search found 184 matches

by limeyx
Thu Jul 12, 2018 1:20 am
Forum: Personal Finance (Not Investing)
Topic: Compensation
Replies: 21
Views: 3461

Re: Compensation

Public (US) companies have to report median salary now. Definitely not perfect but one more data point Yes, I just came across this story earlier today: https://www.bizjournals.com/memphis/news/2018/07/11/how-much-a-typical-worker-makes-at-intel-facebook.html Median salary doesn’t tell you much. In...
by limeyx
Thu Jul 12, 2018 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Compensation
Replies: 21
Views: 3461

Re: Compensation

How do you folks find out if you are bring compensated competively and fairly? Websites? H1B info? I am in the Bay Area, and I have a sneaking suspicion I may be undervalued. Home price increases have outstripped income increases. Run the numbers and it’s a choice between funding 401k, home, kids, ...
by limeyx
Thu Jul 12, 2018 12:06 am
Forum: Investing - Theory, News & General
Topic: Dow 40000 prediction for 2025
Replies: 44
Views: 3798

Re: Dow 40000 prediction for 2025

Houston we have a problem. -- We have one thread telling us to get ready for a LOST decade. -- We have this thread telling us to get ready for Dow 40k in seven years. Which one is correct? Gracias por leer ~cfs~ Awesome observation cfs. You nailed it! :sharebeer There is nothing contradictory in th...
by limeyx
Tue Jul 10, 2018 11:08 pm
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 74
Views: 8830

Re: Six stocks make up 98% of S&P 500 gains in 2018

Ron Scott wrote:
Tue Jul 10, 2018 3:53 pm
Isn’t it true that a handful of stocks have explained most of the growth in the market for most of history?
Problem is I think its a different handful every time !
by limeyx
Fri Jul 06, 2018 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: 401k fees...what's "too high?"
Replies: 50
Views: 3159

Re: 401k fees...what's "too high?"

limeyx, you're really making a political argument now, which is not permitted on this forum. Suffice to say, 401k/403b plans are not free to run. They are heavily regulated because of the massive tax benefits employees are given when they use them. Investments have to be monitored (which, btw, is n...
by limeyx
Fri Jul 06, 2018 12:58 am
Forum: Investing - Help with Personal Investments
Topic: 401k fees...what's "too high?"
Replies: 50
Views: 3159

Re: 401k fees...what's "too high?"

Why does an employer even HAVE an investment committee? None of this makes any sense. My investments and my retirement should be between me and my chosen mutual fund company. I am flabbergasted that so many people in this thread act like this is normal. Because of ERISA law. The employer is respons...
by limeyx
Fri Jul 06, 2018 12:54 am
Forum: Investing - Help with Personal Investments
Topic: Can you help me figure out how much emergency fund $ I REALLY need?
Replies: 38
Views: 2827

Re: Can you help me figure out how much emergency fund $ I REALLY need?

I've heard some say 3 months expenses, and I've heard some say 6 months expenses should be available in your checking. I spend about $5,000/month encompassing everything, but that's also at my current lifestyle where we aren't in a major financial crash/I'm well employed earning a good income. If a...
by limeyx
Thu Jul 05, 2018 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Evaluating New Job Offer
Replies: 24
Views: 1618

Re: Evaluating New Job Offer

spin_echo wrote:
Wed Jul 04, 2018 3:07 pm
I vote for sticking with your current job. 3hr commute is soul-sucking.
+1 Even more so after we had kids.
by limeyx
Wed Jul 04, 2018 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: 401k fees...what's "too high?"
Replies: 50
Views: 3159

Re: 401k fees...what's "too high?"

Not all 401(k)s have fees paid by the employee. I've been lucky, and I've never had separate fees in any of my 401(k) That is a wonderful benefit. I wonder how many employees where you work realize how unique that is? Thats unique? Really? I'm flabbergasted. As a non-American, I thought it was alre...
by limeyx
Fri Jun 22, 2018 12:52 am
Forum: Personal Consumer Issues
Topic: Most vs. Least satisfying home impovements
Replies: 35
Views: 3504

Re: Most vs. Least satisfying home impovements

Going to start some projects on the house in the next couple of months. I wanted to get the Boglehead point of view on past home improvements. Such as, siding, built ins, painting, new windows, swimming pool, fish pond, water heater, new bathroom, new moldings, etc. What gave you the most/least sat...
by limeyx
Thu Jun 21, 2018 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 50
Views: 6285

Re: Washington GET 529 Reopened: Good deal?

Noted! Harvard is cold and expensive ;) Sorry, I log in very infrequently. I did end up signing on. As with every investment, there is alot of uncertainty with respect to opportunity costs and one has to make their own trade offs. Despite the lower expected returns, I committed for the following rea...
by limeyx
Wed Jun 20, 2018 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 50
Views: 6285

Re: Washington GET 529 Reopened: Good deal?

Sorry, I log in very infrequently. I did end up signing on. As with every investment, there is alot of uncertainty with respect to opportunity costs and one has to make their own trade offs. Despite the lower expected returns, I committed for the following reasons 1) diversification of my other sou...
by limeyx
Wed Jun 20, 2018 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Selling Amazon?
Replies: 17
Views: 1311

Re: Selling Amazon?

I just sold my remaining AMZN, GOOGL, AAPL that my old planner had us in.
Waited until the LTCG date and just sold the lot. Not much in total ~$18,000 but now trying not to watch it go up faster than everything else I hold while not wanting it to come down and bring everything else with it !
by limeyx
Wed Jun 20, 2018 12:14 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Charles Schwab account
Replies: 25
Views: 2821

Re: Vanguard or Charles Schwab account

My 2 cents -- Taxable account? Vanguard. Retirement account? Schwab. I have the opposite and totally happy. ETFs (all vanguard) @ Schwab (no commission due to free trades) and MF's in IRA @ Vanguard But probably either way around works totally fine Schwab customer service is really really awesome o...
by limeyx
Wed Jun 20, 2018 12:09 am
Forum: Investing - Help with Personal Investments
Topic: Advice - Parking cash before it gets paid in taxes
Replies: 8
Views: 1114

Re: Advice - Parking cash before it gets paid in taxes

Hi all - Have a quick request. I recently sold some shares of a private company through a secondary transaction to an institutional investor. This transaction will generate a personal tax bill of approx $3m (all long-term capital gains). I will take prior year safe harbor, which is accepted in my s...
by limeyx
Tue Jun 19, 2018 12:54 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Charles Schwab account
Replies: 25
Views: 2821

Re: Vanguard or Charles Schwab account

My 2 cents -- Taxable account? Vanguard. Retirement account? Schwab. I have the opposite and totally happy. ETFs (all vanguard) @ Schwab (no commission due to free trades) and MF's in IRA @ Vanguard But probably either way around works totally fine Schwab customer service is really really awesome o...
by limeyx
Sun Jun 17, 2018 11:24 pm
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 11877

Re: Which boglehead rule do you break--and are ok with

corn18 wrote:
Sat Jun 16, 2018 6:48 am
I have one share each of a bunch of companies that I like and use all the time. I am also wearing a $6k watch. :sharebeer

Image
Does that thing even tell time ??? :) heh heh
by limeyx
Sat Jun 16, 2018 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 50
Views: 6285

Re: Washington GET 529 Reopened: Good deal?

All, The Washington GET 529 (details below for those who do not know what that is) reopened. The GET Committee voted to set the 2017-18 unit purchase price at $113 == $11,300 and the current tuition is $10,753. This means you only lose $600 out to start with and for the last 20 years UW tuition has...
by limeyx
Thu Jun 14, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 4993

Re: How do you celebrate (potty trained kid) milestone with your spouse?

A participation trophy and some avocado toast. Why the passive aggression? Did someone spit in your Metamucil this morning? :beer Right. Sorry to pile on with the "I don't understand kids these days" theme. Back in my day, you had to teach kids to go in an outhouse and forget teaching them to wipe ...
by limeyx
Mon Jun 11, 2018 7:19 pm
Forum: Investing - Theory, News & General
Topic: New issue CD. Mechanics of trading
Replies: 5
Views: 879

Re: New issue CD. Mechanics of trading

In the last months I have started to buy individual treasuries and CDs. I have a few questions on new issue CDs. I was looking at the 2 year new issue CD from wellsfargo paying 2.8%. How do I know if there is a prepayment penalty option with the CD. I looked up the cusip number but found no informa...
by limeyx
Mon Jun 11, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 4993

Re: How do you celebrate (potty trained kid) milestone with your spouse?

PFInterest wrote:
Mon Jun 11, 2018 12:34 pm
wine.
a day without the toddler.
with wine.
+1
by limeyx
Fri Jun 08, 2018 12:32 am
Forum: Investing - Theory, News & General
Topic: New issue CD. Mechanics of trading
Replies: 5
Views: 879

Re: New issue CD. Mechanics of trading

In the last months I have started to buy individual treasuries and CDs. I have a few questions on new issue CDs. I was looking at the 2 year new issue CD from wellsfargo paying 2.8%. How do I know if there is a prepayment penalty option with the CD. I looked up the cusip number but found no informa...
by limeyx
Sat Jun 02, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Have $2.5M at 30, career advice needed
Replies: 49
Views: 5344

Re: Have $2.5M at 30, career advice needed

I'm in a unique position financially and there's not a lot of people I feel like I can talk to about the topic. Any advice is appreciated. I'm 30, live in Bay Area (a very HCOL area), with a net worth of about 2.5M (500k IRA + 401k, 2M in house, $100k cash). Mortgage on a 2.4M house out of which 2M...
by limeyx
Thu May 31, 2018 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Company going public - exercise ISOs?
Replies: 5
Views: 706

Re: Company going public - exercise ISOs?

My company just recently announced an IPO merger that will have us going public near the end of the year w/ a 1-yr lockout afterwards (no acceleration right now). I have vested ISOs (#s below) that I always figured I’d just exercise on an exit event ... I don't understand. If your company is not pu...
by limeyx
Fri May 25, 2018 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Short Duration Bonds ETF with Fidelity
Replies: 15
Views: 1011

Re: Short Duration Bonds ETF with Fidelity

no clue about fidelity, but VCSH is at vanguard. im assuming you mean, indexed/low cost like the s&p 500? because bonds and stocks are very different things. Thank you. Looking for something equivalent to VCSH at Fidelity so I don't need to pay trading fees [being frugal]. Indexed/low cost like the...
by limeyx
Wed May 09, 2018 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 18377

Re: Ed. Jones rep didn't like our plan, now we're locked out

I wonder how many of the folks reading this thread have accounts at Edward Jones and are suddenly realizing that they would be better off elsewhere. I also wonder if the senior leadership at Edward Jones reads these posts and are suddenly realizing that they have a major credibility problem as a co...
by limeyx
Sun May 06, 2018 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 18377

Re: Ed. Jones rep didn't like our plan, now we're locked out

1) First get the investments transferred to Schwab, complain to the appropriate authorities later. Escaping Edward Jones is the top priority in my opinion. 2) Contact Schwab and let them do most of the work in accomplishing the transfer. 3) Since the new accounts will be at Schwab use Schwab index ...
by limeyx
Fri May 04, 2018 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 18377

Re: Ed. Jones rep didn't like our plan, now we're locked out

1) First get the investments transferred to Schwab, complain to the appropriate authorities later. Escaping Edward Jones is the top priority in my opinion. 2) Contact Schwab and let them do most of the work in accomplishing the transfer. 3) Since the new accounts will be at Schwab use Schwab index ...
by limeyx
Thu Apr 26, 2018 1:05 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Vs Fidelity Vs Vanguard
Replies: 57
Views: 8563

Re: Schwab Vs Fidelity Vs Vanguard

I highly recommend Schwab over Vanguard. Schwab puts its customer first with excellent customer service. That's the great thing about this extremely competitive field as Schwab has direct interest to provide a superior product and service. Agreed. Schwab is nearly singularly unique in the level of ...
by limeyx
Tue Apr 24, 2018 2:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1448831

Re: U.S. stocks in freefall

Doom&Gloom wrote:
Tue Apr 24, 2018 1:04 pm
It is still early, but if I had my druthers, I think I would have preferred to be out of this market for THIS ONE DAY.

And undoubtedly more to come. If only I knew which ones they were ...
Its the days with all the red numbers....
by limeyx
Mon Apr 23, 2018 1:04 am
Forum: Personal Consumer Issues
Topic: How much off MSRP should one expect?
Replies: 23
Views: 2331

Re: How much off MSRP should one expect?

MSRP is irrelevant. Negotiate down from Invoice +$200. How do you find the invoice price? You don't as far as I can see because they can throw enough mud in the water with options and other crud so you will never really know. The only thing I've really learned is the dealership always makes their $...
by limeyx
Sat Apr 21, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Lending Club Investing
Replies: 26
Views: 2516

Re: Lending Club Investing

I have been intrigued by this Lending Club investing. Has anyone here invested in this? Before I dug into this more I wanted to throw this out here to my fellow bogleheads to get what I know will be the most useful info I find. What are the pros and cons? or your thoughts and experiences with it we...
by limeyx
Thu Apr 19, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 11826

Re: Quitting job - what to do if getting walked to the door

DH has had a job offer and plans to give two weeks notice (probably today once he gets formal offer letter). However, he is going to work for a direct competitor to his present employer. He was advised by the person conducting his job interview that under these circumstances there is a strong likel...
by limeyx
Sat Apr 14, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Could you support family on 1 income?
Replies: 88
Views: 6395

Re: Could you support family on 1 income?

I'm sure several here already do. But for those in a dual-income household could you? I've got a BS degree and work for a local gov't for the past 7 years, graduated college in 2005. Based upon my income, we could not. Taking into account that we have no debt other than our mortgage. Student loan w...
by limeyx
Thu Apr 12, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Does it make sense to buy new appliances when there's a good sale before you need them?
Replies: 28
Views: 1896

Re: Does it make sense to buy new appliances when there's a good sale before you need them?

Definitely wait -- these things have shockingly short manufacturers warranties in the US and that clock starts once you buy ...
by limeyx
Tue Mar 27, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: Drip irrigation or pop-up sprayers for garden?
Replies: 19
Views: 1848

Re: Drip irrigation or pop-up sprayers for garden?

We redid our backyard and deck last year - similar situation as we had an opportunity to redo our irrigation. Chose to run a new zone for annuals and perennials and used a pair of manifolds and different drip setups using 1/4 in piping. We used an existing zone 3/4 in piping for what was left of th...
by limeyx
Sun Mar 25, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1448831

Re: U.S. stocks in freefall

I haven't been a member of this forum for all so long. Do people here normally get this amped up over market volatility? What about the "stay the course/steady as she goes" Boglehead ethos? Or is this just something to talk about lest the forum be dull otherwise? The later. Yup. Good investing is u...
by limeyx
Mon Mar 12, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Auto water sprinklers
Replies: 9
Views: 1091

Re: Auto water sprinklers

I have a small townhome and may shift to bigger home in next 2 years.However to save time I wanted to install sprinkler system with automation. While googling average cost is coming to 2000+. Are there other alternatives to save time on water for front yard and back yar without spending so much mon...
by limeyx
Mon Mar 12, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: Care by Volvo - what are your thoughts?
Replies: 27
Views: 2889

Re: Care by Volvo - what are your thoughts?

The only issue is whether you qualify for the credit and as an insurance customer. Seems like an OK deal, but don't like the concept. Chances are you only qualify for these rates if your credit is excellent and so is your driving record, but if that is the case, you will likely do better on your ow...
by limeyx
Mon Mar 12, 2018 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Selling Apple stock - AAPL
Replies: 7
Views: 1307

Re: Selling Apple stock - AAPL

Love this forum, received so much quality advice over the years. I've decided to start reducing my Apple stock position (been a great investment!). I've been selling small lots as it hits new highs over the last 6 months. I'm wondering about the impact of bringing back the overseas cash in 2018. As...
by limeyx
Sun Mar 11, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing a Very expensive home in HCOL Area
Replies: 42
Views: 5843

Re: Purchasing a Very expensive home in HCOL Area

I do not see how someone in the 22% tax bracket can or should be buying a home in the $1m+ range. That's way too much house. yep, something doesn't add up. with the new tax tables, 22% tax bracket means as a single earner you're making less than $82k a year. married joint is less than $165k. that i...
by limeyx
Thu Mar 08, 2018 12:13 am
Forum: Personal Consumer Issues
Topic: Best Colorado Skiing
Replies: 26
Views: 1938

Re: Best Colorado Skiing

If you can do blue+ runs and don't mind a little fear in the morning then I think its hard to rule out A-Basin
by limeyx
Sun Mar 04, 2018 11:52 pm
Forum: Personal Consumer Issues
Topic: re-siding house - vinyl or hardiplank?
Replies: 54
Views: 5535

Re: re-siding house - vinyl or hardiplank?

For us it was Hardi all the way. We had the (in)famous "LP" siding when we bought the house and wanted to only do this once in our lifetimes
It was slow to get on but we are super happy so far
by limeyx
Sat Mar 03, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 19818

Re: What was your % pay raise?

+10.1%
Feeling fortunate
by limeyx
Sat Mar 03, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Sell individual stocks to buy index funds?
Replies: 45
Views: 3847

Re: Sell individual stocks to buy index funds?

Just sold off all my AMZN, GOOG and AAPL that our FA had us in. Approx ~18K of Long-term cap gains since it was in taxable On the one hand it was a bit painful since I think there's a reasonable chance these three will outpace the market for at least the next few years (although obviously no one kno...
by limeyx
Fri Mar 02, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: Kitchen features
Replies: 108
Views: 8200

Re: Kitchen features

Stuff we didn't use - wine/beverage refrigerator. I was excited, but we hardly used it. - second sink - rarely used it - over stove microwave - DANGEROUS - built in soap dispenser - we never filled it The second sink is mainly used at parties. So if OP isn't an entertainer then there really is no p...
by limeyx
Fri Mar 02, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Kitchen features
Replies: 108
Views: 8200

Re: Engineered quartz

I was of the understanding that all quartz was essentially the same as it is all made in a single location in Italy and re-sold but that might be inaccurate Inaccurate. Made in many factories around the world. All but one brand uses the licensed process from the inventor - https://www.breton.it. Sa...
by limeyx
Fri Mar 02, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Kitchen features
Replies: 108
Views: 8200

Re: Kitchen features

Sorry to hear that. Which brand did you go with? Is it 20mm or 30mm. We went with color quartz, but it's only been less than 6months. I'm already nervous about the island corners. Our island is huge, 50sqft. Replacing that would be not be cheap. :oops: I think its 20mm and its beautiful but very ve...
by limeyx
Fri Mar 02, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Kitchen features
Replies: 108
Views: 8200

Re: Kitchen features

If you have an open concept kitchen, get a dishwasher that's under 45 decibels. We went with a Bosch. So quiet, you can't tell it's on. I think it's 37 or 39 decibels. Got fantastic deals from Sears on all appliances. Whenever you go, be sure to negotiate. Yup, this was a #1 for me. We got a 39Db J...
by limeyx
Fri Mar 02, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Kitchen features
Replies: 108
Views: 8200

Re: Kitchen features

Did two kitchen remodels in recent year. Worth it: -outlets everywhere -dimmer for the lights and lights everywhere -one giant single sink -giant tiles for backsplash (less grout to clean) -splurge on nice gas range -splurge on nice dish washer -pantry closet to hide all the stuffs -pulled out sink...