Search found 101 matches

by regularguy455
Mon Aug 05, 2019 4:47 pm
Forum: Investing - Theory, News & General
Topic: ESPP Help
Replies: 9
Views: 644

Re: ESPP Help

I’ve always viewed my ESPP as a short term, high yield CD. Holding company stock for the tax benefits is playing with fire. I’d bump up your contribution to 15% and nuke the rest. Sell as soon as the shares are granted.
by regularguy455
Fri Jul 26, 2019 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: How much to save?
Replies: 53
Views: 4684

Re: How much to save?

You’ll get a million responses but I try to save enough where I can retire at an age I want and continue my lifestyle. Assuming you follow boglehead investing philosophy, your only job is to pick a savings rate and an age where your investments facilitate that.
by regularguy455
Fri Jul 26, 2019 8:04 am
Forum: Personal Consumer Issues
Topic: Worthwhile to repair Honda Push Mower or buy new?
Replies: 28
Views: 1316

Re: Worthwhile to repair Honda Push Mower or buy new?

If you’re willing to put in the effort you could fix all of these issues for little cost. If you don’t want to, sell it and buy a new one. Simple as that.
by regularguy455
Wed Jul 24, 2019 6:19 pm
Forum: Personal Consumer Issues
Topic: How much discount could I expect on end-of-season mowers and trimmers
Replies: 18
Views: 1314

Re: How much discount could I expect on end-of-season mowers and trimmers

When shopping on Craigslist, NextDoor or Marketplace, time is your friend. I’ve bought tons of equipment massively discounted because people are moving or downsizing. I recently picked up a well maintained Honda lawn mower (MSRP $600) for $150.

If you want new mowers keep an eye on slickdeals.net.
by regularguy455
Mon Jul 15, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: Bathtub Mat Recommendation
Replies: 17
Views: 1096

Re: Bathtub Mat Recommendation

Bath mats need to be washed weekly to remain mildew free. We wash weekly with Clorox sanitizing detergent with success.
by regularguy455
Fri Jul 12, 2019 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Best way to deposit Euros to a US Bank
Replies: 36
Views: 2452

Re: Best way to deposit Euros to a US Bank

I had a strange though. Could you deposit it in a crypto exchange then withdrawal in dollars?
by regularguy455
Thu Jul 11, 2019 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: What are the rungs on the career ladder?
Replies: 36
Views: 4764

Re: What are the rungs on the career ladder?

Only three levels: https://206hwf3fj4w52u3br03fi242-wpengine.netdna-ssl.com/wp-content/uploads/2009/10/hughMcLeodCompanyHierarchy.jpg https://www.ribbonfarm.com/2009/10/07/the-gervais-principle-or-the-office-according-to-the-office/ Haha I was waiting to see this. It’s very cynical but hilarious an...
by regularguy455
Sun Jul 07, 2019 6:33 pm
Forum: Personal Investments
Topic: Responding to a CP2000 Notice
Replies: 54
Views: 4161

Re: Responding to a CP2000 Notice

I had a CP2000 a few years back. I made a copy of the response and paid for delivery confirmation. Didn’t have any issues.
by regularguy455
Mon Jul 01, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Internet/cellphone service woes..
Replies: 12
Views: 1395

Re: Internet/cellphone service woes..

Does the company pay for cell service? If it does, you may be able to tether to LTE. I think these plans are usually unlimited but you might want to check. Just a thought.
by regularguy455
Mon Jul 01, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: student loan refinance rates?
Replies: 2
Views: 351

Re: student loan refinance rates?

I got mine in 2014 through SoFi. They used 1 month LIBOR + 3.5%. I paid it off when it went over 6%.
by regularguy455
Mon Jun 24, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: LG Washer - Try to Fix or Buy New?
Replies: 10
Views: 522

Re: LG Washer - Try to Fix or Buy New?

Washing machines and dryers are relatively unsophisticated machines. When you strip away the electronics, a washer is a big belt driven drum. What you described could be a belt or a bearing. Those are cheap to fix. I’d take a stab at doing it myself. In most cases I’ve been able to fix washers and d...
by regularguy455
Tue Jun 18, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Maternity and Paternity leave policies
Replies: 56
Views: 3360

Re: Maternity and Paternity leave policies

Hello I am in a small/medium medical practice and was wondering what is standard for maternity/paternity leave ?? We remain torn as we understand the needs/demand of having children but yet it is quite hard to staff and pay for this as a small practice. As someone on the receiving end of maternity/...
by regularguy455
Thu Jun 13, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 74
Views: 4860

Re: 40+% increase in auto policy (GEICO) - normal?

This was my worry. I am currently with USAA and pay about $1150 every 6 months. GEICO quoted me $607, but I was worried they would just jack up my rates once I switched. That, and a friend of mine who is a PI attorney said GEICO was awful if you ever needed to use them, and USAA was the best you co...
by regularguy455
Sun Jun 02, 2019 9:46 pm
Forum: Personal Consumer Issues
Topic: What do business pros wear on redeye Business Class flights
Replies: 50
Views: 6732

Re: What do business pros wear on redeye Business Class flights

International business class isn’t as fancy as you think. It’s definitely nicer and you have more space, but it’s still a loud airplane. When I’ve flown business class it’s been a mixture of casual folks and people dressed professionally. In most cases the cabin was half empty. After dinner I usuall...
by regularguy455
Sun Jun 02, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: Cutting The Cord
Replies: 24
Views: 2217

Re: Cutting The Cord

+1 on YouTube TV.

I think my biggest gripe with cable was the poor service and technology for the price. YouTube TV is a similar price to cable but it is a superior product in every way.
by regularguy455
Sun Jun 02, 2019 8:14 am
Forum: Personal Finance (Not Investing)
Topic: How to get the lowest mortgage rate?
Replies: 29
Views: 3739

Re: How to get the lowest mortgage rate?

Phone them and ask. Google and sites such as www.bankrate.com When we bought our first home, I went with the lender recommended by our agent. He claimed all these lenders on bankrate were junk and would miss the closing date. I ended up getting ripped off by him. 6 months later I did a refi from th...
by regularguy455
Fri May 31, 2019 9:31 pm
Forum: Personal Consumer Issues
Topic: 23 and me vs. ancestry- thoughts?
Replies: 38
Views: 3019

Re: 23 and me vs. ancestry- thoughts?

To everyone concerned about privacy, take a deep breath. Your data is still protected by HIPAA. When it is sold, it is de-identified so it cannot be legally merged back to you. In most cases it is used for epidemiology or data mining a disease population. These databases are also sold to Pharma as a...
by regularguy455
Fri May 31, 2019 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 39232

Re: For those who earn $500k+ per year. How'd you do that?

One took vacation time on paper, but not in reality. He did this to jack up his billable hours. The firm had some formula where taking your vacation time, but actually working it somehow boosted your billable hours over just letting it pile up. I've encountered this. The target is usually Utilizati...
by regularguy455
Thu May 30, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 505
Views: 67586

Re: Name something you had to have and now you regret purchasing it?

Mechanical breakdown insurance. Thought I was being clever by not buying an extended warranty. Car was cheap, had a long manufacturer warranty and I could cash flow any repairs. Got sick of paying it and dropped it.
by regularguy455
Wed May 29, 2019 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Advising young adult on pharma career-Phd?
Replies: 19
Views: 1760

Re: Advising young adult on pharma career-Phd?

Has she looked at bioinformatics? It should only require an MS and opens a lot of doors in the analytics space. If she gets bored she could easily transition into the tech space.
by regularguy455
Wed May 22, 2019 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Are you missing a $15,000 payment from CRB FREEDOM?
Replies: 28
Views: 4750

Re: Are you missing a $15,000 payment from CRB FREEDOM?

Stab in the dark, but sounds like it could have been a balance transfer from a Chase Freedom account?
by regularguy455
Mon May 06, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: Anybody try the Blue Apron or the like?
Replies: 77
Views: 5970

Re: Anybody try the Blue Apron or the like?

I've been using Blue Apron for about 2.5 years. It solves the problem of meal planning for DW and I. It is and will always be cheaper to plan yourself, but if you are looking for variety (with little to no effort) and don't mind cooking daily, it's a great solution.
by regularguy455
Fri Apr 26, 2019 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Whats the Point of Climbing the Corporate Ladder?
Replies: 164
Views: 17634

Re: Whats the Point of Climbing the Corporate Ladder?

I haven’t read anyone saying this yet, but this is a fantastic thread. Thanks for all the great posts! Lots of different perspectives from people who have done it.
by regularguy455
Thu Apr 11, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Bose QC25 or QC35
Replies: 19
Views: 1078

Re: Was going to purchase Bose QC25, buy fakespot gave it an F, help

If you're willing to wait you can find a pretty good deal on them on Slickdeals.
by regularguy455
Thu Apr 11, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Replacing Main car to get better safety features
Replies: 51
Views: 2221

Re: Replacing Main car to get better safety features

This is basically an insurance question. There's no doubt modern cars are safer than a 20 year old vehicle. The question is what's the premium you're willing to pay to be safer? If money is no object and your wife wants a new car, why not? Yes - as well as "How Much" Safer... Based on what OP said,...
by regularguy455
Thu Apr 11, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Replacing Main car to get better safety features
Replies: 51
Views: 2221

Re: Replacing Main car to get better safety features

This is basically an insurance question. There's no doubt modern cars are safer than a 20 year old vehicle. The question is what's the premium you're willing to pay to be safer? If money is no object and your wife wants a new car, why not?
by regularguy455
Thu Apr 11, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: Bose QC25 or QC35
Replies: 19
Views: 1078

Re: Bose QC25 or QC35

QC35. Worth every penny. You don't realize how much noise a plane generates until you cancel it out. Flying is a completely different experience with noise canceling headphones.
by regularguy455
Wed Apr 10, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 8647

Re: Are Airport Lounges Worth the Money?

My two cents - domestic lounges aren’t worth much but international and flagship lounges are incredible. The AA Flagship lounge at JFK is fantastic. The Turkish Airlines Flagship lounge in Istanbul was also great.
by regularguy455
Mon Apr 01, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Help with South Carolina Itinerary
Replies: 15
Views: 1142

Re: Help with South Carolina Itinerary

If money is no object, Montage Palmetto Bluff.
by regularguy455
Sun Mar 31, 2019 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Relocating - Raleigh / Durham
Replies: 21
Views: 1826

Re: Relocating - Raleigh / Durham

The culture of Raleigh (and the south in general) is very different from the Midwest. Without getting into stereotypes, it will take time to get adjusted to it. I’m originally from the Midwest and love it. I’ve seen others move here and hate it. I’d say if you are uncomfortable living in a cultural...
by regularguy455
Sat Mar 30, 2019 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating - Raleigh / Durham
Replies: 21
Views: 1826

Re: Relocating - Raleigh / Durham

The culture of Raleigh (and the south in general) is very different from the Midwest. Without getting into stereotypes, it will take time to get adjusted to it. I’m originally from the Midwest and love it. I’ve seen others move here and hate it. I’d say if you are uncomfortable living in a culturall...
by regularguy455
Fri Mar 22, 2019 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Refinancing 4.125% 30-year fixed mortgage
Replies: 25
Views: 2723

Re: Refinancing 4.125% 30-year fixed mortgage

I don’t know if a credit is refundable, but I do know that if you refi on the 1st or the month, your first payment isn’t due for about 60 days (interest still accrues).
by regularguy455
Wed Mar 20, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: Any Excel experts here?
Replies: 8
Views: 1125

Re: Any Excel experts here?

I don't think there's an elegant solution in Excel, but ultimately you want to parse this right to left instead of left to right. In Excel, you could use the FIND function, look for a space, and start with the total length of the cell minus 6 or 7 positions. Once you find that last space position, u...
by regularguy455
Sat Mar 09, 2019 10:43 pm
Forum: Personal Consumer Issues
Topic: Questions about drones
Replies: 15
Views: 1360

Re: Questions about drones

I would rather fly RC airplanes than drones. It takes more technique and has a stronger enthusiast following. If you get really good you can even build your own.
by regularguy455
Fri Mar 08, 2019 2:21 pm
Forum: Personal Consumer Issues
Topic: Your Opinions on a Masters in Information Systems & Business Analytics
Replies: 17
Views: 1067

Re: Your Opinions on a Masters in Information Systems & Business Analytics

Haha I do work in the industry. FWIW, having a masters degree definitely differentiates people. There is a real difference in how people think and perform with that formal training. And if you can get someone to subsidize it, why not? You should also be able to command a higher salary. I wouldn’t ex...
by regularguy455
Fri Mar 08, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: Your Opinions on a Masters in Information Systems & Business Analytics
Replies: 17
Views: 1067

Re: Your Opinions on a Masters in Information Systems & Business Analytics

Definitely look at job placement, starting salaries and hiring firms. This should give you an idea how legitimate industry looks on the program and the types of companies that recruit there. If they do not publish this information, that should be a red flag. Most data science careers expect you to h...
by regularguy455
Thu Feb 28, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: Luxury vacation towns ??
Replies: 51
Views: 4134

Re: Luxury vacation towns ??

Montage Palmetto Bluff. Or really any Montage hotel. They're fantastic.
by regularguy455
Fri Feb 15, 2019 7:50 am
Forum: Personal Consumer Issues
Topic: Which sports car ride in Nice, France?
Replies: 10
Views: 920

Re: Which sports car ride in Nice, France?

I rode in an F430 when I was in Eze. It was a blast with all the curvy roads. I don't think you could go wrong in either case, but you may want to consider a convertible.
by regularguy455
Thu Feb 14, 2019 1:42 pm
Forum: Investing - Theory, News & General
Topic: Fidelity reports-The number of 401(k) and IRA millionaires declined. The number of people with $1 million or more in the
Replies: 47
Views: 5314

Re: Fidelity reports-The number of 401(k) and IRA millionaires declined. The number of people with $1 million or more in

This is kinda silly. My wife and I have over 2.5 million, but no one account is over 600k. I'm sure there are many folks like us. This study is probably more a testament to the fact that people are changing jobs (and thus 401k accounts) more often. I partially agree with this. If they have a single...
by regularguy455
Mon Feb 11, 2019 10:51 pm
Forum: Personal Investments
Topic: Help name a new analytics firm
Replies: 34
Views: 2388

Re: Help name a new analytics firm

I would include your name as part of the company name. That’s how you build a legacy.
by regularguy455
Thu Jan 24, 2019 4:09 pm
Forum: Personal Investments
Topic: PG&E stock or ETF at Vanguard?
Replies: 26
Views: 2146

Re: PG&E stock of ETF at Vanguard?

You can send me a check for how much you were planning on investing. It should accomplish the same thing :mrgreen:
by regularguy455
Thu Jan 17, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: Audio book options
Replies: 28
Views: 1234

Re: Audio book options

+1 for Audible. It's relatively inexpensive ($15-$23/mo) which includes 1 or 2 books/mo, respectively. The convenience of it is high and all the productions I've listened to have been excellent. They also offer a few free books monthly you can listen to. The library is an interesting option but I f...
by regularguy455
Thu Jan 17, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: Audio book options
Replies: 28
Views: 1234

Re: Audio book options

+1 for Audible. It's relatively inexpensive ($15-$23/mo) which includes 1 or 2 books/mo, respectively. The convenience of it is high and all the productions I've listened to have been excellent. They also offer a few free books monthly you can listen to. The library is an interesting option but I fi...
by regularguy455
Wed Jan 16, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Furloughed Fed Employee - How to make best use of time
Replies: 60
Views: 6177

Re: Furloughed Fed Employee - How to make best use of time

Could look into churning credit cards or bank accounts for extra $$$. May be a way to generate extra money without violating ethics (IANAL!).
by regularguy455
Sat Jan 12, 2019 12:28 pm
Forum: Personal Investments
Topic: Biggest Investment Mistake
Replies: 200
Views: 16536

Re: Biggest Investment Mistake

Buying FNMA and FMCC common stock after reading SeekingAlpha. They made it seem like the lawsuits would succeed and they’d be released from government nationalization. Whoops!
by regularguy455
Fri Jan 11, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Building Wealth Through Home Equity--Myth or Reality?
Replies: 94
Views: 6420

Re: Building Wealth Through Home Equity--Myth or Reality?

If they liked golfing it could still work out for them. Less crowds. Rent control should not be allowed. That's an expensive amenity. From the article: Meanwhile club fees were rising; Ms. Harrington said by 2016 her dues had climbed to around $24,000 , up from less than $5,000 when she first joine...
by regularguy455
Fri Jan 11, 2019 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Building Wealth Through Home Equity--Myth or Reality?
Replies: 94
Views: 6420

Re: Building Wealth Through Home Equity--Myth or Reality?

I think this thread underestimates the systematic risk you hold with real estate. You are taking a leveraged bet on both holding land PLUS location-specific risks. This is shown in this WSJ article about bag holders who bought houses on golf courses: https://www.wsj.com/articles/golf-home-owners-fin...
by regularguy455
Sat Jan 05, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Which iPhone: 8 or XR?
Replies: 45
Views: 3419

Re: Which iPhone: 8 or XR?

To those looking at buying used iPhones or selling their old one, check out swappa.com. They’re like eBay but for iPhones. They also integrate some security features like making sure it isn’t stolen or it’s locked to a corporate account.
by regularguy455
Thu Jan 03, 2019 8:54 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle says rebalancing is overhyped?!
Replies: 149
Views: 21986

Re: Jack Bogle says rebalancing is overhyped?!

Not sure if it was covered earlier, but I have a dumb question. Given the graphic showing rebalancing over the long term reduces returns (due to stock > bond conversion), what if you only rebalanced one way? What I mean is what if you only rebalance when your equity allocation falls below your speci...