Search found 29 matches

by allones
Thu Sep 17, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: Vastly different quotes for wallpaper removal and painting job
Replies: 39
Views: 2519

Re: Vastly different quotes for wallpaper removal and painting job

Contractors will bid high for jobs they don't want, or if they're a larger company with a lot of overhead like a big office space, administrative staff, advertising, etc. If you got an estimate for removing the wallpaper and painting, it will include repairing the drywall (unless they're real scamme...
by allones
Tue Sep 15, 2020 10:26 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 111
Views: 6973

Re: Coping with Wildfire smoke

How about Idaho or Montana? Maybe rent a cheap house on Craigslist for a month. I would definitely go SOMEWHERE. No way I would want to breath smoke for weeks at a time. The smoke has been heading east for the past few days. I'm in western Montana and the AQI has been between 150 and 200 since Satu...
by allones
Sun Sep 06, 2020 9:55 am
Forum: Personal Finance (Not Investing)
Topic: What Method of paying cash for car: EFT vs check?
Replies: 31
Views: 1869

Re: What Method of paying cash for car: ECF vs check?

In the last few years, I've bought two cars from dealerships with cash, both times paying with personal checks. The most recent time I offered to have the money wired but the finance person said they prefer to have something physical once I walk out the door.
by allones
Mon Aug 17, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving Seattle or Vancouver, WA
Replies: 88
Views: 6364

Re: Thinking of moving Seattle or Vancouver, WA

I've lived in Seattle for 16 years and would not recommend it for you. I am on my way out myself. I've only stayed here so long for work. As others have said, you won't be able to find a livable property anywhere within biking or walking distance to stores or activities at $650k. There are far-out s...
by allones
Sat Aug 15, 2020 10:12 am
Forum: Personal Investments
Topic: $20,000 windfall- Help!
Replies: 67
Views: 4273

Re: $20,000 windfall- Help!

I have a 10% rule for any unexpected chunk of money. I allow myself to spend 10% on anything, no guilt. The rest goes into taxable.
by allones
Tue Aug 11, 2020 10:48 am
Forum: Personal Consumer Issues
Topic: Should I caulk this area on a shower door?
Replies: 30
Views: 2449

Re: Should I caulk this area on a shower door?

Yes. Seal any seam where you don't want water to go.

I would also be concerned about the opening between the wall and tub to the left of your arrow. That's a great spot for water to get into your wall and do some real damage.
by allones
Mon Aug 10, 2020 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a vacation home in NC mountains and doing Airbnb. Bad idea?
Replies: 66
Views: 6881

Re: Thinking of buying a vacation home in NC mountains and doing Airbnb. Bad idea?

I am embarking on a similar scenario. My situation and numbers are a little different, but here's how I'm approaching it: - The property is a stand-alone townhouse, so low maintenance. I've spent almost two years looking for the right place. - It's an 8-hour drive away, but 2 hours door-to-door on a...
by allones
Wed Jun 10, 2020 6:16 pm
Forum: Personal Investments
Topic: Rent or Sell Townhouse in Seattle
Replies: 42
Views: 2950

Re: Rent or Sell Townhouse in Seattle

The Queen Anne neighborhood is not near the current epicenter of Seattle protests on Capitol Hill. It's in fantastic proximity to tech companies downtown and in SLU. Easily walkable or bikeable on fair weather days. I faced a similar situation in 2017. I had a single-family home in Greenwood that ha...
by allones
Tue May 26, 2020 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: 1:1 salary and stock jobs?
Replies: 80
Views: 5772

Re: 1:1 salary and stock jobs?

Senior Analyst at a SF based tech company here. The mid-point for my role is 135k salary with 50% of that value granted in RSUs at hire that vest twice a year over four years. We get an annual refresh based on performance that adds to that account balance and extends the vesting clock. After one yea...
by allones
Sat May 23, 2020 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I go to grad school?
Replies: 24
Views: 1737

Re: Should I go to grad school?

It's hard to imagine the "highly ranked" school you describe, unless only night and weekend schools are ranked. Frankly, the school sounds a little Trump Universityish. Hope I'm wrong. I do not think you can get the good advice you need unless you name that school. It's the University of Washington...
by allones
Sat May 23, 2020 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Should I go to grad school?
Replies: 24
Views: 1737

Re: Should I go to grad school?

My objective for going into the program would be to solidify my ability to be in a tech management role. The degree is like a tech MBA. Would there be any possibility that your employer would pay? My employer will chip in $2500, which doesn't really move the needle for me. Are you sure this is a goo...
by allones
Sat May 23, 2020 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Should I go to grad school?
Replies: 24
Views: 1737

Should I go to grad school?

I have been accepted to a highly-ranked graduate school for Information Management. I have been on the fence about needing to go to grad school for years, and now I'm on the fence about accepting. I applied when the pandemic started out of fear of losing my job. The program is 1 year, evenings and w...
by allones
Tue May 12, 2020 11:09 am
Forum: Personal Finance (Not Investing)
Topic: How to consider home improvement expenses
Replies: 25
Views: 1366

Re: How to consider home improvement expenses

It depends on what your improving, the extent of the improvements, the local market, etc. I'll contradict most of what folks are saying. I bought a house last year that needed major renovations. I put $125k + into new wiring, plumbing, HVAC, water heater, and remodeling rooms with custom materials, ...
by allones
Thu Jan 02, 2020 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Balances over Time (Vanguard website)
Replies: 3
Views: 391

Re: Balances over Time (Vanguard website)

I thought it went missing, too, but I found it under My Accounts -> Personal Performance. That is, assuming we're referencing the same link that disappeared.
by allones
Mon Jun 03, 2019 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should All Grandkids Be Treated as Equal Members of Same Class?
Replies: 104
Views: 9189

Re: Should All Grandkids Be Treated as Equal Members of Same Class?

I was the only child in an almost identical scenario that the OP presented. Grandparents had two children. The oldest had 4 children, the youngest, my dad, had me. Grandpa passed away a few decades ago. Unfortunately, my dad predeceased my grandma. Grandma's house was in my dad's and my uncle's name...
by allones
Mon Apr 22, 2019 7:26 pm
Forum: Personal Consumer Issues
Topic: House with Permanent Wood Foundation - Would You Buy?
Replies: 13
Views: 1577

Re: House with Permanent Wood Foundation - Would You Buy?

Thank you all for the thoughtful replies. We ended up not going forward with the purchase of the home. Better safe than sorry :sharebeer
by allones
Thu Apr 18, 2019 11:28 am
Forum: Personal Consumer Issues
Topic: House with Permanent Wood Foundation - Would You Buy?
Replies: 13
Views: 1577

House with Permanent Wood Foundation - Would You Buy?

I am in the process of purchasing a 2nd/vacation home and it was revealed yesterday in the inspection that the foundation is wood. I have not encountered this before and my internet research is offering conflicting opinions ranging from "if it's done correctly it can last as long as a concrete found...
by allones
Thu Nov 29, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: The "lure" of working from home vs getting a better job
Replies: 20
Views: 2309

Re: The "lure" of working from home vs getting a better job

Why not find a new fully remote job? Save yourself the commute *and* get the salary increase. My most recent job was at a megacorp with a similar practice of 1-2 rounds of layoffs a year. I knew it would be my time sooner or later, and recently I was indeed laid off. I had been working remotely full...
by allones
Sun Nov 11, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 127
Views: 14559

Re: Finances in NYC

My partner and I moved to NYC from Seattle last year at 40 with just my ~100k salary. It hasn't been a struggle at all and is totally doable without extreme lifestyle changes. I didn't change my savings rate, just adjusted my budget. The unpleasant change for me was now having a state income tax. I ...
by allones
Thu Nov 08, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: Moving to NYC without a job
Replies: 33
Views: 5424

Re: Moving to NYC without a job

I moved to NYC from Seattle last year. I thankfully I had job in Seattle that allowed me to work remotely. Don't move here without a job. Without a job you cannot rent an apartment unless you're planning on some sort of sublet/couchsurfing situation via Craigslist. I'm sure you've done your research...
by allones
Wed Nov 07, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 127
Views: 15722

Re: How much money did you receive from family? (Gifts/inheritance)

My dad passed away when I was 29, just a couple years into his retirement. He was divorced and I'm an only child so he left everything to me. We were always lower-middle class and lived very frugally, so I was surprised that he had managed to put away about $250k. It made a significant impact on my ...
by allones
Mon Nov 05, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Mid-career change dilemma - STEM
Replies: 8
Views: 1048

Re: Mid-career change dilemma - STEM

Hopefully this includes reasonable analytical programming languages (e.g. R, Python) - if your idea of data analysis is SQL and Excel, that's not going to go very far in 2018. I also see a bit of a red flag here - "Not at all excited about more tech industry work (but could tough it out and potenti...
by allones
Mon Nov 05, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Mid-career change dilemma - STEM
Replies: 8
Views: 1048

Re: Mid-career change dilemma - STEM/Engineering

OP, Some random answers to your random questions. 1) People hire people. If you had worked 15+ years, you know a lot of people. You could find out the hiring manager of each position and contact the person directly. Why do you need to go through HR? Lack of a STEM degree is only an issue if you dea...
by allones
Mon Nov 05, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Mid-career change dilemma - STEM
Replies: 8
Views: 1048

Mid-career change dilemma - STEM

Background: I'm 40 and for the last ~15 years have worked in various Data Analyst roles, including management and senior positions, in commercial real estate, digital music, and telecom companies. I have a BA in Sociology, so all of my skills and expertise have been acquired on the job, or independ...
by allones
Mon Jun 18, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 17138

Re: How much (green) cash at home for emergency ?

I keep about $500 in mixed bills in a fire-safe lock box. ATMs in urban areas regularly run out of cash on a busy Friday night. Assuming ATMs would even be online during a disaster, I'm not confident they'd get replenished in a timely manner. But I am sure that folks who have looted stores would wan...
by allones
Mon Jun 18, 2018 10:57 am
Forum: Personal Investments
Topic: What to do with cash earmarked for house & business plans 2-5 years out
Replies: 2
Views: 423

What to do with cash earmarked for house & business plans 2-5 years out

Hello, new-ish Boglehead’er here. I’ve been lurking on the forums for about a year educating myself and am in a spot where I’d really appreciate some planning advice. I am trying to plan for two major non-retirement investments in the next 2-5 years. The timing is effectively out of my hands and dep...
by allones
Mon Jun 11, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: The effect of a difficult last name on employment prospects...
Replies: 43
Views: 4227

Re: The effect of a difficult last name on employment prospects...

I have a 13 letter German last name. The short name crowd maybe doesn't realize how many times a day one is asked to spell, respell, pronounce, correct a stranger's attempt to pronounce, field guesses of the country of origin, and say, "no, it did not take me long to learn how to spell...because it'...
by allones
Thu May 24, 2018 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 4230

Re: Life Changes

Not financially related, but my perspective someone who spent their childhood in a very rural setting, it felt as though I missed out on a lot of typical childhood experiences that my peers were having, which affected how I felt I fit in socially. Things that seem minor now as an adult, but felt ali...
by allones
Fri Apr 13, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 15796

Re: Mid-40s in tech - how to pass off as acceptably young

Consider tech-related roles at non-technical companies. I'm 40 and have a suitable role in the IT department at a large commercial real estate company. This industry (or company?) seems to lean older - I'm one of the youngest people on my team.