Search found 1129 matches

by Cycle
Sun Apr 21, 2019 6:28 pm
Forum: Personal Consumer Issues
Topic: update 70s kitchen or nah?
Replies: 31
Views: 1886

Re: update 70s kitchen or nah?

To keep costs low, don't move plumbing / electrical. You may be able to add nice modern ikea doors to your existing cabinets, not likely, but it's worth measuring. my friend did this and their kitchen looks brand new for maybe $900. they did butcher block counters. Otherwise you can order custom new...
by Cycle
Sun Apr 21, 2019 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Apps/Websites
Replies: 9
Views: 1988

Re: Personal Finance Apps/Websites

google sheets
-net worth tracker sheet
-savings / portfolio model sheet
-rebalancing sheet
by Cycle
Sun Apr 21, 2019 7:25 am
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer Tips
Replies: 26
Views: 1391

Re: First Time Home Buyer Tips

commutting sucks. i would take 1/4th the square footage to have a short (walkable / bikeable) commute. being a minimalist will allow you to love any space. my wife, baby, and i live in a 1050 sq ft 2br/1ba unit. A very cheap way to live is to have tenants on site paying your mortgage / expenses. I d...
by Cycle
Sun Apr 21, 2019 7:13 am
Forum: Personal Consumer Issues
Topic: What are your 5 favorite tools (hand, power, other)
Replies: 24
Views: 1352

Re: What are your 5 favorite tools (hand, power, other)

1. Reel Mower 2. Plastic snow shovel 3. phillips head screw driver 4. utility knife 5. trimming shears I also like mikita power tools. I got rid of snow blower, lawn mower, weed wacker as I have a small lawn and realized powerless tools are best for the job. As an added bonus, i'm a quiet neighbor. ...
by Cycle
Sat Apr 20, 2019 6:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard kicking butt with Target Date Funds
Replies: 22
Views: 4806

Re: Vanguard kicking butt with Target Date Funds

I just switched the vast majority of my 401k to one, after getting tired of trying to slice and dice my way to a three-fund equivalent. i believe the extra .05-.1 expense ration one pays to have no risk of market timing is worth it. My wife and my 401ks are in 2040 target funds (or equivalent). Thi...
by Cycle
Sat Apr 20, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: Locast: An Approach to Cord Cutting?
Replies: 13
Views: 1545

Re: Locast: An Approach to Cord Cutting?

I've never had cable, what did I miss :confused
by Cycle
Sat Apr 20, 2019 5:35 pm
Forum: Personal Consumer Issues
Topic: Is Crown Molding Out-of-Style?
Replies: 36
Views: 3530

Re: Is Crown Molding Out-of-Style?

New houses are constructed very cheaply, so you generally don't see much decorative woodwork bc it would cost an arm and a leg to have a carpenter put in three piece crown molding and baseboards. I think the woodwork is attractive (in a craftsman era home), but I'm sure there was some utilitarian re...
by Cycle
Sat Apr 20, 2019 5:25 pm
Forum: Personal Investments
Topic: Beginner question: best way to $ Cost Avg on sp500
Replies: 24
Views: 1813

Re: Beginner question: best way to $ Cost Avg on sp500

In my taxable I just hold vtwax, one fund I never have to worry about tax loss harvesting or rebalancing. The admiral shares are now available and so pretty fair cost.
by Cycle
Sat Apr 20, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: Vacation home experiences?
Replies: 32
Views: 2768

Re: Vacation home experiences?

3-4hrs is a rediculously far drive for a weekend getaway. This is the distance to the boundary Waters from Minneapolis in Minnesota, and once a year we do this for a four day weekend, but definitely wouldn't do it regularly. Not worth it.
by Cycle
Fri Apr 19, 2019 7:29 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 72
Views: 2741

Re: How far would you commute?

I think 30 minutes is sort of ok. Have you ask why your job performance was OK for years when you worked at home versus requiring it be done in office now? So tell them to assign you to closer office (3 miles). Or is this a riff in disguise? Is there enough work? Company reorg? my megacorp is havin...
by Cycle
Fri Apr 19, 2019 7:05 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 72
Views: 2741

Re: How far would you commute?

My rule is 3 miles. It is a hard rule that has served me well. Hypothetically, if during the accumulation phase of your career, you had the following options: 1) 3 mile bike/drive to work - comp 150k 2) 3 mile bike/drive to express bus (17 minute bus ride, no stops) - comp 170k which would you pick...
by Cycle
Fri Apr 19, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 72
Views: 2741

Re: How far would you commute?

I manage 20 minutes biking + 1-5 minutes waiting + 20 minutes on an express bus now. I've had as bad as 1:15 drive, or 1hr train + 10min shuttle. My upper limit would probably be a 30 minute drive or 7 mile bike ride or 1hr train ride. If I had a self driving car, I could do 1 HR drive. Ideally thou...
by Cycle
Fri Apr 19, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 92
Views: 6009

Re: After financial independence, do you play credit card bonus games?

Yes. It’s an effort. Granted. But the cost-benefit calculation skews strongly in favor of “the game.” I carefully use and manage Chase Sapphire Reserve, a truly amazing card. It takes $450.00 per year, but then there’s a $300.00 travel credit, travel insurance coverage, Priority Pass membership for...
by Cycle
Fri Apr 19, 2019 10:37 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 92
Views: 6009

Re: After financial independence, do you play credit card bonus games?

Till the day I die

Just got the Southwest companion pass +30k miles.
by Cycle
Fri Apr 19, 2019 9:59 am
Forum: Personal Investments
Topic: investing beyond the three fund portfolio
Replies: 7
Views: 665

Re: investing beyond the three fund portfolio

No. Fiddling with investments will more than likely result in suboptimal returns. Of course u could get lucky, but more likely to be a fool. In 401k we are 100% in target funds or equivalents. In 529, Roth, and taxable I'm 100% in total world indexes (vtwax or equivalent). I no longer do any non aut...
by Cycle
Thu Apr 18, 2019 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: When did you start spending more and saving less?
Replies: 76
Views: 4548

Re: When did you start spending more and saving less?

We have a kid going to daycare in a month, gone are the days of 35-40k in spending per year. How old? 35
by Cycle
Wed Apr 17, 2019 11:13 am
Forum: Personal Finance (Not Investing)
Topic: I’m a Loser Stuck in a Dead End Job
Replies: 63
Views: 7767

Re: I’m a Loser Stuck in a Dead End Job

When I was 30 my net work was ~250k and I had my undergrad paid by my parents. I started working with an engineering degree at 22. I feel like your net worth is way, way, way above average. I code in my free time, but have a megacorp job bc the benefits and pay are much better, given my novice codin...
by Cycle
Tue Apr 16, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: Boston area - nice towns for families
Replies: 79
Views: 4456

Re: Boston area - nice towns for families

South Minneapolis I provided a property near downtown Boston that met the affordability criteria. The point of it being impossible to find a property is preposterous, but as you indicate there are trade-offs. One just needs to pick what is important to them and live with the downsides. In many case...
by Cycle
Tue Apr 16, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: Boston area - nice towns for families
Replies: 79
Views: 4456

Re: Boston area - nice towns for families

Here are my assumptions: 1) works downtown at Wayfair near Copley Place 2) Can afford median sale price, which is 630k 3) Willing to bike commute 5 miles (or run commute, which is my new thing) Property found in Highland park: $499k - 3br/2ba - 1322 sqft- high school .2 miles away, O'Bryant School ...
by Cycle
Mon Apr 15, 2019 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA website down
Replies: 16
Views: 1761

Re: FreeTaxUSA website down

I recall how much was due, so I just did a free extension thru TurboTax and paid my estimated bill to the IRS to avoid penalties. The site FreeTaxUSA site is still down.

I'd use another service but all my depreciable assets are already loaded in freetaxusa.
by Cycle
Mon Apr 15, 2019 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA website down
Replies: 16
Views: 1761

Re: FreeTaxUSA website down

and its back offline...
by Cycle
Mon Apr 15, 2019 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA website down
Replies: 16
Views: 1761

Re: FreeTaxUSA website down

It's back online. I'm literally having a beer now :beer , need to celebrate
by Cycle
Mon Apr 15, 2019 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA website down
Replies: 16
Views: 1761

Re: FreeTaxUSA website down

facebook says they are aware of the issue and working on it.

i did 95% of my taxes a few weeks ago, but of course i had a few things to double check and now i can't get into my forms. hopefully they fix it soon...
by Cycle
Mon Apr 15, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: Boston area - nice towns for families
Replies: 79
Views: 4456

Re: Boston area - nice towns for families

I would look within a 1 mile radius of work (walkable), and exclude everything outside that ring. Might consider within 5 miles if there was a substantial cost savings. That's a pretty tough standard in the Boston area. In many parts, it's completely impossible. I find this impossible to believe, t...
by Cycle
Mon Apr 15, 2019 8:09 am
Forum: Personal Consumer Issues
Topic: Boston area - nice towns for families
Replies: 79
Views: 4456

Re: Boston area - nice towns for families

I would look within a 1 mile radius of work (walkable), and exclude everything outside that ring. Might consider within 5 miles if there was a substantial cost savings. That's a pretty tough standard in the Boston area. In many parts, it's completely impossible. I find this impossible to believe, t...
by Cycle
Sun Apr 14, 2019 5:24 am
Forum: Personal Investments
Topic: Savings by 30?
Replies: 45
Views: 5752

Re: Savings by 30?

I just tried to max out roth and 401k in my 20s, everything else seemed to go towards mortgage / travel. I finally got the mortgage paid off at 33. I don't have my 30 year old net worth, but can extrapolate back from 33. My income at 30 was ~100k and is now ~140k. Megacorp engineering individual con...
by Cycle
Sun Apr 14, 2019 5:12 am
Forum: Personal Finance (Not Investing)
Topic: How to avoid throwing money at problems?
Replies: 62
Views: 4156

Re: How to avoid throwing money at problems?

If I were OP, I would move to a house/condo right near work / daycare / grocery with a small or no lot I live in a 1050 sq ft unit with my wife and 4 month old. Our place is always spotless and easy to clean, marie kondo approved. We had over night guests twice this past week, just inflated a mattre...
by Cycle
Sat Apr 13, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: Boston area - nice towns for families
Replies: 79
Views: 4456

Re: Boston area - nice towns for families

I would look within a 1 mile radius of work (walkable), and exclude everything outside that ring. Might consider within 5 miles if there was a substantial cost savings.
by Cycle
Thu Apr 11, 2019 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house next year. Wife wants a big house. Thoughts?
Replies: 104
Views: 8486

Re: Buying a house next year. Wife wants a big house. Thoughts?

My DW is on board with keeping costs low for as long as possible. This means living in a 1100 sqft 2br/1ba unit with kids. Currently have 1, planning on another. Ignoring the sunk cost of owning a home outright, we profit from our housing situation, as we rent out the other unit in our duplex. We al...
by Cycle
Wed Apr 10, 2019 10:38 pm
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 8092

Re: Are Airport Lounges Worth the Money?

The lounges vary, a LOT. And this is even within the same program, including airline-specific lounges. I recall using a lounge in Quito with my Priority Pass where they had cut up hot dogs and balogna on tooth picks; however, they also had reclining chairs and blankets. For our overnight layover be...
by Cycle
Wed Apr 10, 2019 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Should you use a real estate agent when buying a house? What are your experiences?
Replies: 72
Views: 3751

Re: Should you use a real estate agent when buying a house? What are your experiences?

I've been in real estate for over 10 years and I sell 40+ homes a year, I meet a lot of people (I bet I get about 20 such calls a year) however I can only recall once that this has happened. I've been working with a couple for the last 6 months that I've shown them 10+ homes that they were +/- 90% ...
by Cycle
Wed Apr 10, 2019 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Not much work at new megacorp job
Replies: 70
Views: 5459

Re: Not much work at new megacorp job

Train in your free time. I had some time between projects last year and completed a Matlab course during work.

I envy OPs predicament as I'm at a megacorp that has no problem assigning 120% workloads to folks
by Cycle
Wed Apr 10, 2019 4:07 pm
Forum: Investing - Theory, News & General
Topic: Baby boomer vicious cycle crash
Replies: 63
Views: 5506

Re: Baby boomer vicious cycle crash

Millennials now outnumber baby boomers. And their mid range are entering the "get a job, settle down, save money" phase. Except for the millennial bloggers, who are retiring at 35 on 4% SAWR + blog income at the same time as these boomers. Tons of boomers have been retiring in the last decade and t...
by Cycle
Tue Apr 09, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: SOUTHWEST Companion Pass, destinations
Replies: 6
Views: 647

Re: SOUTHWEST Companion Pass, destinations

I have had the Companion Pass for several years now. We do the following often: (we live in central Atlantic area ) San Juan PR Tampa (we have a condo there so it's a great freebie) San Diego A few Caribbean destinations as well, as they offer a couple destinations there We've been to Turks and Cai...
by Cycle
Tue Apr 09, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: SOUTHWEST Companion Pass, destinations
Replies: 6
Views: 647

Re: SOUTHWEST Companion Pass, destinations

We are using it for trips to Maui and NYC so far, more to come. I don't normally play cc games but did this one and it paid off immediately. Got the Maui tix with the miles they gave me, plus free companion, and the cc fee included a credit that paid taxes and early check in. Where I would go for a...
by Cycle
Tue Apr 09, 2019 8:02 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3729
Views: 1074134

Re: What Book Are You Currently Reading? Part VI

Lost City of the Monkey God by Douglas Preston

Delightful if u like exploration and archeology non-fiction. Reads like a novel.
by Cycle
Tue Apr 09, 2019 7:51 am
Forum: Personal Consumer Issues
Topic: SOUTHWEST Companion Pass, destinations
Replies: 6
Views: 647

SOUTHWEST Companion Pass, destinations

We recently qualified for the Southwest Airlines companion pass, through a credit card sign on bonus. We'll have it from may through December 31st. We plan on doing a lot of weekend trips. Technically it's buy one get two free, since we have a child under 2 What are your favorite destinations that S...
by Cycle
Mon Apr 08, 2019 10:02 pm
Forum: Personal Consumer Issues
Topic: fun car advice
Replies: 112
Views: 7034

Re: fun car advice

What do u think will happen to the non-self driving car market when self driving cars become ubiquitous? I personally don't want to be on the highway near human operated vehicles, and neither will anyone else. At some point if a vehicle doesn't have certain safety features, they won't be allowed on...
by Cycle
Mon Apr 08, 2019 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: $20k day care...how is it taxed?
Replies: 85
Views: 5244

Re: $20k day care...how is it taxed?

I live in the Midwest and for an infant the prices ranged from 16k (garbage in home) to 20k nice to 27k nice(but expensive)
by Cycle
Sun Apr 07, 2019 4:59 pm
Forum: Personal Consumer Issues
Topic: fun car advice
Replies: 112
Views: 7034

Re: fun car advice

What do u think will happen to the non-self driving car market when self driving cars become ubiquitous? I personally don't want to be on the highway near human operated vehicles, and neither will anyone else. At some point if a vehicle doesn't have certain safety features, they won't be allowed on ...
by Cycle
Sun Apr 07, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: Mini split AC - thoughts?
Replies: 23
Views: 1715

Re: Mini split AC - thoughts?

You can put them in yourself in a day, plus a day for electrical, so a weekend project if you've never done one before. I could do it again in 8 hrs including everything (gutters, wall mounting, hole cutting, adding 240v line and disconnect). Home depot has some that are pre-charged so you don't eve...
by Cycle
Fri Apr 05, 2019 9:50 pm
Forum: Personal Consumer Issues
Topic: Video Conferencing: Zoom vs. Cisco, Portable Video Conference Camera
Replies: 8
Views: 419

Re: Video Conferencing: Zoom vs. Cisco, Portable Video Conference Camera

Sorry, I can't help, I only do old fashioned phone calls with my team. No video unless my boss(es) make me and several of them are starting to see things my way because of so many snafus. So much easier. No need to see the other people. We use a collaboration site to share documents if needed. I'm ...
by Cycle
Fri Apr 05, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: Video Conferencing: Zoom vs. Cisco, Portable Video Conference Camera
Replies: 8
Views: 419

Re: Video Conferencing: Zoom vs. Cisco, Portable Video Conference Camera

Well I am sure you can admit, a lot of the issues in that video, while funny, might not necessarily be the software/service provider's fault. I have used both Webex and Zoom on rare occasions (when I don't need secure communication) when I interface with small businesses and I think they are both a...
by Cycle
Fri Apr 05, 2019 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: terminate the lease of a tenant amicably
Replies: 28
Views: 2237

Re: terminate the lease of a tenant amicably

This is why I only do month to month with my tennants +1 6 months lease with mo-mo rollover thereafter. Exception is military which may require a 1 year lease. With a location of Hawaii and north AZ would you consider renting for a month to an old fart and his wife for a month? With possible rollov...
by Cycle
Fri Apr 05, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: terminate the lease of a tenant amicably
Replies: 28
Views: 2237

Re: terminate the lease of a tenant amicably

This is why I only do month to month with my tennants
by Cycle
Fri Apr 05, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Anxiety about car/house purchase
Replies: 28
Views: 2847

Re: Anxiety about car/house purchase

Your Audi Care cost as much as my most expensive vehicle (a bike), I couldn't sleep at night if I were in your spendthrift shoes.
by Cycle
Fri Apr 05, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: Video Conferencing: Zoom vs. Cisco, Portable Video Conference Camera
Replies: 8
Views: 419

Video Conferencing: Zoom vs. Cisco, Portable Video Conference Camera

I have been working on highly dispersed product development teams the last decade. This past year I've been on a project where I'm the only team member in my time zone. We use video conferencing for our weekly meetings. A couple Cisco video conferencing rooms and a few people at their desks join the...
by Cycle
Wed Apr 03, 2019 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 375
Views: 40997

Re: Losing a job in your 50's...

A lot of the workforce chooses to live far away from their workplace, for a variety of reasons (around here, it is usually to get more house for the money). I think it's far more likely that people don't choose houses based on their workplaces, nor move every time they change jobs. We bought a hous...
by Cycle
Wed Apr 03, 2019 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 375
Views: 40997

Re: Losing a job in your 50's...

My apologies for jumping in and nitpicking... What is the expense incurred from living where public transit is convenient? Alexandria is expensive. Much more so than the outer suburbs like Woodridge or Stafford. Eventually the hassle of getting to the park & ride and shuttling between railroad (VRE...
by Cycle
Wed Apr 03, 2019 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 375
Views: 40997

Re: Losing a job in your 50's...

Let's look at just one of these levers, not owning a car. Assume your car costs $10k per year (u get a nice one you've seen 10,000 commercials/billboards of). You buy it when u get your first job out of college at age 22. If u opt to bike instead of drive the annual 10,000 in savings earning 8% ove...