Search found 221 matches

by ebrasmus21
Thu Sep 06, 2018 5:53 am
Forum: Personal Finance (Not Investing)
Topic: Career Advice Please!
Replies: 20
Views: 1875

Re: Career Advice Please!

MSchleicher wrote:
Wed Sep 05, 2018 8:13 pm
Have you expressed your desire to work grow and help manage personnel with the VP?
Yes. I’ve done so on three separate occasions.
by ebrasmus21
Thu Sep 06, 2018 5:52 am
Forum: Personal Finance (Not Investing)
Topic: Career Advice Please!
Replies: 20
Views: 1875

Re: Career Advice Please!

Can you open a frank line of communication with your current employer with regards to your mobility and potentially increasing your value with the company through taking on additional direct reports? Do this while you are pursuing this new opportunity which will allow you to leverage them against e...
by ebrasmus21
Wed Sep 05, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Career Advice Please!
Replies: 20
Views: 1875

Re: Career Advice Please!

OP, Besides higher pay, this sounds like a demotion to me. You report to a VP directly now. You could ask the existing boss to change your job title to director of business development. KlangFool I'm not sure I could agree to that reasoning. 1. The companies are vastly different in size 2. I'd also...
by ebrasmus21
Wed Sep 05, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Career Advice Please!
Replies: 20
Views: 1875

Re: Career Advice Please!

OP, Besides higher pay, this sounds like a demotion to me. You report to a VP directly now. You could ask the existing boss to change your job title to director of business development. KlangFool I'm not sure I could agree to that reasoning. 1. The companies are vastly different in size 2. I'd also...
by ebrasmus21
Tue Sep 04, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice Please!
Replies: 20
Views: 1875

Re: Career Advice Please!

How many years at your current employer would it take to make up the 30% compensation increase? This seems like a no brainer with more room to grow. You've maxed out at your current small company and are staying out of loyalty. If you didn't have history at the current company and were looking at b...
by ebrasmus21
Tue Sep 04, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice Please!
Replies: 20
Views: 1875

Re: Career Advice Please!

How many years at your current employer would it take to make up the 30% compensation increase? This seems like a no brainer with more room to grow. You've maxed out at your current small company and are staying out of loyalty. If you didn't have history at the current company and were looking at b...
by ebrasmus21
Tue Sep 04, 2018 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice Please!
Replies: 20
Views: 1875

Re: Career Advice Please!

OP, Besides higher pay, this sounds like a demotion to me. You report to a VP directly now. You could ask the existing boss to change your job title to director of business development. KlangFool I'm not sure I could agree to that reasoning. 1. The companies are vastly different in size 2. I'd also...
by ebrasmus21
Tue Sep 04, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice Please!
Replies: 20
Views: 1875

Re: Career Advice Please!

OP, Besides higher pay, this sounds like a demotion to me. You report to a VP directly now. You could ask the existing boss to change your job title to director of business development. KlangFool I'm not sure I could agree to that reasoning. 1. The companies are vastly different in size 2. I'd also...
by ebrasmus21
Tue Sep 04, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice Please!
Replies: 20
Views: 1875

Re: Career Advice Please!

I'm way ahead of myself on this, I know.

I just know that my current employers will be absolutely blindsided should I accept another position.
by ebrasmus21
Tue Sep 04, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice Please!
Replies: 20
Views: 1875

Career Advice Please!

I could really use some advice regarding a potential new job. For the record, this is all hypothetical as no offer is on the table. First, a little context. Current job title : manager Direct reports: none Job Duties: relationship management and business development. I travel a lot, wine-an-dine typ...
by ebrasmus21
Tue Aug 28, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: target date retirement funds or 3 fund portfolio
Replies: 12
Views: 1203

Re: target date retirement funds or 3 fund portfolio

I keep thinking I'll switch to a 3 fund and move out of my Vanguard TDF. Then I remember how lazy I am and do nothing.
by ebrasmus21
Tue Aug 28, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 48
Views: 4031

Re: Recommend a good SOCK. Yes, I said SOCK!

GOLD TOE Ever since they moved their manufacturing to China, Gold Toes are a pallid reflection of their former glory. Read their reviews on Amazon. I have been a cushion foot fluffy man for decades but I cannot abide the current version. Before washing they are obviously much thinner with little cu...
by ebrasmus21
Tue Aug 21, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: How much do you put away in investments?
Replies: 66
Views: 5482

Re: How much do you put away in investments?

Hello everyone, Im just curious to see how much everyone puts away every year into investments and what percentage of gross income that is. I personally put away about 65k a year total into 401, IRA, taxable accounts at about 15% of my gross income. I feel like we should be putting more into invest...
by ebrasmus21
Tue Aug 21, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: How much do you put away in investments?
Replies: 66
Views: 5482

Re: How much do you put away in investments?

Hello everyone, Im just curious to see how much everyone puts away every year into investments and what percentage of gross income that is. I personally put away about 65k a year total into 401, IRA, taxable accounts at about 15% of my gross income. I feel like we should be putting more into invest...
by ebrasmus21
Mon Aug 20, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else seen huge rise in TX insurance costs?
Replies: 27
Views: 1914

Re: Anyone else seen huge rise in TX insurance costs?

This isn't just a TX thing. Industry wide auto insurance rates were too low for insurance carriers to make a profit -- therefore rates are increasing. This is basically true for all states and all insurance companies. Maybe company "A" isn't increasing as much as company "B" but for the past couple ...
by ebrasmus21
Thu Aug 09, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: $8712/year for insurance (auto, home, rental) How to reduce?
Replies: 40
Views: 3092

Re: $8712/year for insurance (auto, home, rental) How to reduce?

It's only going to get worse, you guys. Rates were too low for too long.
by ebrasmus21
Thu Aug 09, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: $8712/year for insurance (auto, home, rental) How to reduce?
Replies: 40
Views: 3092

Re: $8712/year for insurance (auto, home, rental) How to reduce?

It's only going to get worse, you guys. Rates were too low for too long.
by ebrasmus21
Tue Aug 07, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Coldness Pismo beach water
Replies: 24
Views: 1785

Re: if foggy go to Avila Beach

lot nicer weather and nicer beach.....about 10 minutes North like which one? Can you give the names? Shell Beach, Avila Beach, Sand Spit Beach, Morro Bay and Cayucos I would all rate higher than Pismo. Water is cold at all of them. They are all nice. Lots of good hiking around Spooners cove (Montan...
by ebrasmus21
Mon Aug 06, 2018 9:27 pm
Forum: Investing - Theory, News & General
Topic: Where to Hold TIPS?
Replies: 20
Views: 1730

Re: Where to Hold TIPS?

Anyone hold TIPS in HSA?
by ebrasmus21
Mon Aug 06, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Coldness Pismo beach water
Replies: 24
Views: 1785

Re: if foggy go to Avila Beach

FB01 wrote:
Mon Aug 06, 2018 1:20 pm
Socrates28 wrote:
Mon Aug 06, 2018 1:13 pm
lot nicer weather and nicer beach.....about 10 minutes North
like which one? Can you give the names?
Shell Beach, Avila Beach, Sand Spit Beach, Morro Bay and Cayucos I would all rate higher than Pismo. Water is cold at all of them.
by ebrasmus21
Thu Aug 02, 2018 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: HSA's - when does it make sense?
Replies: 37
Views: 3364

Re: HSA's - when does it make sense?

Treasury bonds are not taxed at the state level? Does this include the people's republic of California? This is a federal law; no state can tax interest on Treasury bonds. States do vary in how they handle mutual funds which include Treasury bonds. In most states, you may exclude that portion of th...
by ebrasmus21
Thu Aug 02, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: HSA's - when does it make sense?
Replies: 37
Views: 3364

Re: HSA's - when does it make sense?

Once you are contributing enough to get your full employer's 401k match, then it's time to max out HSA's as an investment tool. You can't get any better tax treatment. I believe this is usually the right answer, especially when you have such good investment options in the HSA. The only exception I ...
by ebrasmus21
Thu Aug 02, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: weekender bag?
Replies: 30
Views: 2696

Re: weekender bag?

Frost River makes some high quality stuff (at least, as far as I'm concerned)
by ebrasmus21
Tue Jul 31, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: $8712/year for insurance (auto, home, rental) How to reduce?
Replies: 40
Views: 3092

Re: $8712/year for insurance (auto, home, rental) How to reduce?

CA has fires and earthquakes (which are excluded unless you buy EQ coverage).

Texas has fires, wind, hail, tornadoes, hurricanes, lightning. In other words, the weather (and weather related claims) are much more severe in Texas compared to CA. All this equals more expensive insurance.
by ebrasmus21
Thu Jul 26, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance
Replies: 11
Views: 1275

Re: Umbrella Insurance

Hi - Question regarding umbrella insurance... I currently have umbrella insurance (as I own several investment properties), and recently read that umbrella policies typically cover 4 properties. What do real estate investors do when thew own more than those number of properties? I.e. if I'm startin...
by ebrasmus21
Thu Jul 26, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance
Replies: 11
Views: 1275

Re: Umbrella Insurance

Find a respected independent insurance agency in your town/city and ask them to help.
by ebrasmus21
Wed Jul 25, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: negative comments about "Brazil nuts"
Replies: 32
Views: 3887

Re: negative comments about "Brazil nuts"

The negative reviews are a conspiracy to drive the cost down. :beer
by ebrasmus21
Mon Jul 23, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Good Job but "Plan B"???
Replies: 4
Views: 505

Re: Good Job but "Plan B"???

So, am I making something out of nothing or is it wise to always be thinking of what else is out there? Something else at play here? Bored? Underpaid? (you said make a decent paycheck, not awesome or rad or overpaid or top end of compensation). On surface you said a lot of positive things. Under su...
by ebrasmus21
Mon Jul 23, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Good Job but "Plan B"???
Replies: 4
Views: 505

Re: Good Job but "Plan B"???

So, am I making something out of nothing or is it wise to always be thinking of what else is out there? Something else at play here? Bored? Underpaid? (you said make a decent paycheck, not awesome or rad or overpaid or top end of compensation). On surface you said a lot of positive things. Under su...
by ebrasmus21
Mon Jul 23, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Good Job but "Plan B"???
Replies: 4
Views: 505

Re: Good Job but "Plan B"???

So, am I making something out of nothing or is it wise to always be thinking of what else is out there? Something else at play here? Bored? Underpaid? (you said make a decent paycheck, not awesome or rad or overpaid or top end of compensation). On surface you said a lot of positive things. Under su...
by ebrasmus21
Mon Jul 23, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Good Job but "Plan B"???
Replies: 4
Views: 505

Good Job but "Plan B"???

Bogleheads - I currently have a good job (one that I like and make a decent paycheck). There seems to be some opportunity for growth here as well and I generally like my co-workers and bosses. The thing is I can't help but feel like I should have a "plan b" -- has anyone else experienced this? I fin...
by ebrasmus21
Thu Jul 19, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Watch Collection Reasonable or Unreasonable or Irresponsible?
Replies: 104
Views: 5354

Re: Watch Collection Reasonable or Unreasonable or Irresponsible?

mak1277 wrote:
Thu Jul 19, 2018 1:03 pm
Am I the only one interested in what watches are in the collection? :)
Me too!
by ebrasmus21
Sat Jul 14, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 99
Views: 9991

Re: What rate of return are you using for retirement projections?

Tycoon wrote:
Fri Jul 13, 2018 6:41 pm
ebrasmus21 wrote:
Fri Jul 13, 2018 4:55 pm
The is one of the most depressing threads I've seen on this board [which is saying something].
Don't fret, everything is going to be all right. :beer
I'll try not to worry; just hoping the pessimists are wrong :)
by ebrasmus21
Fri Jul 13, 2018 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 99
Views: 9991

Re: What rate of return are you using for retirement projections?

The is one of the most depressing threads I've seen on this board [which is saying something].
by ebrasmus21
Mon Jul 09, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Two or Three Day Golf Clinics?
Replies: 21
Views: 1744

Re: Two or Three Day Golf Clinics?

https://rebelliongolf.com No personal experience but read nothing but amazing reviews from players of all ability levels about Monte. You can watch his YouTube videos to see if he is your style. He is based in so cal and travels the country giving 3 day clinics around his schedule of trying to qual...
by ebrasmus21
Thu Jun 28, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy-how much liability coverage
Replies: 30
Views: 2415

Re: Umbrella policy-how much liability coverage

As I understand it, your umbrella should be enough to cover your net worth. I would round up some. If someone sues you and wins, they are only going to get what you have which is your net worth. The umbrella provides insurance should this occur. Umbrella coverage in excess of your net worth is wast...
by ebrasmus21
Thu Jun 28, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy-how much liability coverage
Replies: 30
Views: 2415

Re: Umbrella policy-how much liability coverage

I believe the business was run as a corporation. Yes, they went bankrupt as estimates on damages was well over $50M. I'm not necessarily saying one strategy is better than the other or one perspective is better than the other. I'm just offering a different perspective. Businesses tend to try to tra...
by ebrasmus21
Thu Jun 28, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy-how much liability coverage
Replies: 30
Views: 2415

Re: Umbrella policy-how much liability coverage

As I understand it, your umbrella should be enough to cover your net worth. I would round up some. If someone sues you and wins, they are only going to get what you have which is your net worth. The umbrella provides insurance should this occur. Umbrella coverage in excess of your net worth is wast...
by ebrasmus21
Wed Jun 27, 2018 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy-how much liability coverage
Replies: 30
Views: 2415

Re: Umbrella policy-how much liability coverage

As I understand it, your umbrella should be enough to cover your net worth. I would round up some. If someone sues you and wins, they are only going to get what you have which is your net worth. The umbrella provides insurance should this occur. Umbrella coverage in excess of your net worth is wast...
by ebrasmus21
Wed Jun 27, 2018 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 76
Views: 11153

Re: Umbrella Policy: Right amount for $7 mil net worth?

What you are buying is the insurance company's A-team lawyers. If you cannot get the company's attention with say a $1 million policy why do you think you will get more attention for $5 or $7 million? Some Googling turns up: Top lawyers bill $1,500 an hour (as of 2016, so maybe even higher now). So...
by ebrasmus21
Tue Jun 05, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Safeco Auto Insurance
Replies: 12
Views: 1225

Re: Safeco Auto Insurance

Safeco is as reputable personal insurance carrier as you'll find.
by ebrasmus21
Mon Jun 04, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Two Articles On Reinsurance
Replies: 41
Views: 3561

Re: Larry Swedroe: Two Articles On Reinsurance

Just to correct a few misconceptions First, there have been claims that Stone Ridge is a bunch of people who have only derivatives experience not "real" experience working with real reinsurers. Amazing to me that there are people on this site who often make claims as facts when they have no clue wh...
by ebrasmus21
Fri Jun 01, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance rates increasing?
Replies: 9
Views: 747

Re: Insurance rates increasing?

What state do you live in?
by ebrasmus21
Thu May 31, 2018 12:17 pm
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 264
Views: 53401

Re: What's the ideal safe retirement net worth target?

I've been thinking about this question for a few days now, and it seems to me that the number would depend upon one's family size, relative ages, and whether health insurance is provided or is something that the individual(s) must purchase on their own. So, for example, for a family of two who are ...
by ebrasmus21
Thu May 31, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 264
Views: 53401

Re: What's the ideal safe retirement net worth target?

I've been thinking about this question for a few days now, and it seems to me that the number would depend upon one's family size, relative ages, and whether health insurance is provided or is something that the individual(s) must purchase on their own. So, for example, for a family of two who are ...
by ebrasmus21
Thu May 31, 2018 10:37 am
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 264
Views: 53401

Re: What's the ideal safe retirement net worth target?

I've been thinking about this question for a few days now, and it seems to me that the number would depend upon one's family size, relative ages, and whether health insurance is provided or is something that the individual(s) must purchase on their own. So, for example, for a family of two who are ...
by ebrasmus21
Wed May 30, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Have $3m at 33, "approach to career" advice needed
Replies: 100
Views: 14723

Re: Have $3m at 33, "approach to career" advice needed

First thing I thought after reading your post: what's your passion?

If you plan on using your assets + your wife's salary to cover expenses maybe you could do just go ahead and do something your passionate about.
by ebrasmus21
Thu May 24, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 29392

Re: High End Wrist Watches (Gone Crazy)

I'm kind of surprised this thread has lasted as long as it has without the anti-mechanical watch crowd burying the entire conversation.

Corn - you had a seriously nice collection going there with the JLC's, ALS's, IWC's and Rolex's - very nice!
by ebrasmus21
Tue May 15, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 44058

Re: Lucrative careers?

Speech Language Pathologist Occupational Therapist Physical Therapist I have been an SLP for 23 years, and I have never know a therapist who couldn't get a job within a week. The hardest interview question I've ever been asked is "how soon can you start and how much do you want?" Seriously. My brot...