Search found 71 matches

by T4REngineer
Thu Jan 16, 2020 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Engineers - What are you making? ($$$)
Replies: 145
Views: 13397

Re: Engineers - What are you making?

EE, but not a "real" engineer. In my industry, no one bothers getting their PE. I don't touch anything over 12V, and preferably well under 3V The pay's really good. Principal engineer, over 15 years experience, LCOL, base of $250K, annual equity grants over 150K, and due to good RSU perf, the annua...
by T4REngineer
Thu Jan 02, 2020 2:02 pm
Forum: Personal Consumer Issues
Topic: Auto repair - Is it reasonable price?
Replies: 32
Views: 1802

Re: Auto repair - Is it reasonable price?

I'm certainly glad to live in one of the 12 states that require no safety, emissions, or VIN inspections. The only inspection required is to kick the tires before purchasing. Its a double edge sword, here in MI we do not have inspections but I have seen my share of vehicles that have no place on th...
by T4REngineer
Fri Sep 20, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 167
Views: 11438

Re: How hard is it to get into college?

My experience is over a decade old but it sounds like your daughter is thinking emotionally like a adult but does not have the years of experience to balance those emotions (not expected to at 15....). Some may think that perfection and engineers, doctors, lawyers, business owners are the only path ...
by T4REngineer
Thu Aug 08, 2019 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Negotiation Came to a Halt
Replies: 67
Views: 5646

Re: Real Estate Negotiation Came to a Halt

There is to great a difference between what the sellers think the home is worth and what you are willing to pay. I expect they feel its worth more in large part due to previously having a larger offer. It never hurts (maybe your pride?) to give a final offer and maybe let your realtor know that you ...
by T4REngineer
Tue Jul 30, 2019 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Ethics of "bonus payback" when quitting a job
Replies: 158
Views: 11617

Re: Ethics of "bonus payback" when quitting a job

If I understand this correctly, your father agreed to take a lump sum of money that stipulated he stay to the end of 2019 otherwise forfeit. He has written request to pay this back because he is choosing to leave in Nov. but because he ALMOST stayed somehow only a part of it should be paid back? How...
by T4REngineer
Mon Jul 29, 2019 11:46 am
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 8402

Re: Do you buy the highest trim car ?

I buy the highest trim level that has what I value and can not be better or equally replicated in the aftermarket or installing OEM parts myself. In general this has meant second to highest trim options on our cars. *As others have mentioned used car prices tend to not be kind to "options/fully load...
by T4REngineer
Wed Jul 03, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: What to let kids buy?
Replies: 50
Views: 4453

Re: What to let kids buy?

I expect every child is different on what does/doesn't work but our plan is to let dear daughter (1yr) spend as she wishes with some sort of separation of funds such as mentioned above. Growing up I was given the buckets listed below. Of course within reason - if she's 6 and wants to buy 100 mouse t...
by T4REngineer
Tue Jul 02, 2019 11:46 am
Forum: Personal Consumer Issues
Topic: Overstaying Tenant and Illegal hoarding
Replies: 19
Views: 1778

Re: Overstaying Tenant and Illegal hoarding

Treat it as a learning experience :sharebeer If the "tenant" and wife have no lease call the cops and have them removed for trespassing unless they can provide documentation that they have a right to be there I would think it would end in your favor - **NOTE** this could be the worst advise ever, ju...
by T4REngineer
Mon Jul 01, 2019 2:01 pm
Forum: Personal Consumer Issues
Topic: Are you a serious DIYer?
Replies: 84
Views: 6750

Re: Are you a serious DIYer?

I am easily an 8 (what's the scale rating again? :D )...... About the only thing I have not done myself on the cars or house was spray foam insulation and the reason was cost, not ability - the bulk order materials and a used/lower end spray system was going to be in the range of 7-10k and I found a...
by T4REngineer
Sat Apr 13, 2019 8:01 pm
Forum: Personal Consumer Issues
Topic: Soon to be dad, how to prepare
Replies: 127
Views: 7511

Re: Soon to be dad, how to prepare

Proud dad of a beautiful 10m old little girl (our first) - You already have plenty of great advice but I thought I would add my random thoughts I tried to stay away from the "go do lists" - I am sure you have read plenty of those *There is no greater responsibility and no greater sense of joy than h...
by T4REngineer
Fri Nov 16, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Enjoying Your Work
Replies: 27
Views: 3673

Re: Enjoying Your Work

Don’t work in something you hate, but also don’t get caught in the trap of seeking “fulfillment” at work. It’s a suckers game, and in the end work will always be work and it isn’t what will make you happy. Find external hobbies to achieve “fulfillment”. Work is what ensures you can afford them. Thi...
by T4REngineer
Tue Nov 06, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 16724

Re: How much money are you leaving your kids after you die?

Well I am 30 and she is 4m so I hope we have many decades to come but if there is extra money (which there should be) we plan to give while still alive helping with things like college, 1st home, wedding, vacations with grandkids if we are so blessed , grandkids college etc. No desire to leave in a ...
by T4REngineer
Mon Oct 22, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 9409

Re: Quitting w/o notice

Not wanting to rehire someone that lacks professionalism is not a grudge, nor a vendetta, nor a lack of maturity - it's simply a good business decision. Relaying the stories to others so they don't make the mistake of hiring someone that is unprofessional is also a good business decision which make...
by T4REngineer
Mon Sep 17, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Add room to current house or buy new house?
Replies: 93
Views: 5396

Re: Dilemma: Add room to current house or buy new house?

I'd look for other quotes. $150,000 for a 300 foot sunroom seems astronomical to me. I think its long past astronomical, astronomical is still in the solar system , that quote is across the galaxy and then keep going! *If I could "like" your post I would OP, you need to get more quotes and IMHO if ...
by T4REngineer
Tue Aug 28, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Summer Day A/C Issues
Replies: 41
Views: 2522

Re: Summer Day A/C Issues

If the OP's living space is 78F, as reported, then a 70F exit temperature is actually quite good. Where do you get this information? I am not a HVAC expert but seeing only a 8 degree delta would be cause for me to think the system is not functioning properly which could be due to a variety of issue...
by T4REngineer
Mon Aug 27, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: LLC for one rental property?
Replies: 28
Views: 2637

Re: LLC for one rental property?

OP. You understand that without an LLC your personal assets are at risk in the event you have liability arising from the rental that is in excess of your insurance coverage, or is not covered by your liability policy or policies ( if you have a unique set of facts that result in liability, perhaps ...
by T4REngineer
Thu Aug 23, 2018 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Careers
Replies: 48
Views: 3340

Re: Healthcare Careers

*Getting a higher level education right out of school is almost certainly a good choice (CRNA, NP,PA, etc.) my wife was very lucky in finding an job outside of floor nursing after only a few years at it that provider wonderful pay (for our area) and has much less physical and emotional stress then ...
by T4REngineer
Thu Aug 23, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 9402

Re: $65K Fun Daily Driver

clutchied wrote:
Thu Aug 23, 2018 10:38 am

is the 911 turbo a stick or a peasant gearbox?
This made me smile :beer
by T4REngineer
Thu Aug 23, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Careers
Replies: 48
Views: 3340

Re: Healthcare Careers

I hate to repeat what is said above but my wife is an RN-BSN and after 6 years in the field some observations she has made and passed to me. I wish your daughter the best and pursing ones passion is a great thing. *Getting RN-BSN is almost a must these days, many providers are only hiring BSN-RNs an...
by T4REngineer
Thu Aug 23, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: What would you do - Car Question
Replies: 41
Views: 3096

Re: What would you do - Car Question

I think we would be friends - Owned a supercharged 99 Miata for a while and now a 5th gen 4runner. Only you can answer your question, without knowing expenses and just going off assumptions I would guess you can certainly afford a new or newer car. While I love the 4runner you are right it gets pret...
by T4REngineer
Wed Aug 22, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 18554

Re: Good Non-Boring Boglehead Cars Under $30k

Criteria: - Street price under $30k - Reliable - Fun driving dynamics (please no Corolla/Prius-type recommendations) - Support for Android Auto/Apple Carplay (either available now, or coming soon) - Can be new or used, but nothing over 3 years old What do you recommend? It will be on the bleeding e...
by T4REngineer
Wed Aug 22, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 18554

Re: Good Non-Boring Boglehead Cars Under $30k

Criteria: - Street price under $30k - Reliable - Fun driving dynamics (please no Corolla/Prius-type recommendations) - Support for Android Auto/Apple Carplay (either available now, or coming soon) - Can be new or used, but nothing over 3 years old What do you recommend? It will be on the bleeding e...
by T4REngineer
Tue Aug 21, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 13569

Re: Excessive Emergency Room Charges - Options?

True but getting those estimates even for standard procedures is borderline a fools errand. This is why data tables and averages exist, the automotive industry lives and dies by this. AC condenser replacement on 2014 Camry is a 6hr billable job, if it takes you 4 great if it takes you 8 to bad that ...
by T4REngineer
Sun Aug 19, 2018 7:46 pm
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 92
Views: 9237

Re: Sellers beware on eBay.

runner3081 wrote:
Sun Aug 19, 2018 4:32 pm
T4REngineer wrote:
Sun Aug 19, 2018 3:29 pm
I had heard that essentially the Seller wins for Ebay
Completely incorrect. Buyer wins.
Blah, Thanks I had that backwards
by T4REngineer
Sun Aug 19, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Health Check at 30. What Can I Do To Improve?
Replies: 23
Views: 2945

Re: Health Check at 30. What Can I Do To Improve?

I came to this thread thinking it is about health: - blood pressure, - cholesterol, - other indicators. Very disappointed. I think that would still be my suggestion, the OP makes more then my wife and I combined but at 31 I have started to realize, financial we have our ducks in a row and spending ...
by T4REngineer
Sun Aug 19, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 92
Views: 9237

Re: Sellers beware on eBay.

Common sense out the window

Thanks for the warning, Confirms what I had heard that essentially the Buyer wins for Ebay - Aside form your story I have heard of people claiming they received a empty box :shock:

*Buyer, originally typed Seller - Brain thought one thing, hand wrote another :o
by T4REngineer
Mon Aug 13, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Internal Jobs and Informing Current Manager
Replies: 8
Views: 541

Re: Applying for Internal Jobs and Informing Current Manager

I assume you have been in the role as long as your corp./department demands before a move. I have reoccurring 1-1's with my leader and every so often we talk about employee development, if you have not been having such conversations you really should. It makes it very easy to discuss any internal po...
by T4REngineer
Mon Aug 13, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Should I Do This? [borrow from relative to pay off loan]
Replies: 55
Views: 3467

Re: Should I Do This? [borrow from relative to pay off loan]

The general advice is almost always going to be do not borrow money from family and friends (with good reason) In your case I am a bit concerned with your comment stating the relative can easily afford it - makes me think in hard times you would be more willing to bail on this payment then if it was...
by T4REngineer
Mon Aug 13, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Is the price of a new car a good proxy for the expense of owning it?
Replies: 38
Views: 2689

Re: Is the price of a new car a good proxy for the expense of owning it?

I would say it makes since as a general statement that as the price of the car goes up the long term cost of ownership rises. The devil is in the details, how long do you keep it, how well does it hold its value, how reliable does it turn out to be, do you do your own work, does a dealer, indy shop ...
by T4REngineer
Sun Aug 12, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: personal injury lawsuit
Replies: 25
Views: 2866

Re: personal injury lawsuit

Would love to know more - its ZERO my business so you are certainly not obligated and lawyers may say not to but what are the details that make you think the landlord owes you compensation and that this was not simply an accident (hence why we have medical insurance, long and short term disability ...
by T4REngineer
Sun Aug 12, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 7307

Re: how much car can we afford?

100k car. 500 HP or Bust. I'll add AWD to the list - launch control and you have your own roller coaster :D (keep it under the speed limit) RWD unless you live in some place that snows. Plus, that's what race tracks are for. We can agree to disagree :) - although I hear the newer high end sport sed...
by T4REngineer
Sun Aug 12, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Housing affordability - what is your take?
Replies: 74
Views: 8437

Re: Housing affordability - what is your take?

stocknoob4111 wrote:
Sun Aug 12, 2018 12:09 pm
the asking price was $825,000 :shock: No, I don't live by the beach and I don't live in a ritzy area, I would classify my area as squarely middle class.
Middle class? HUH?
by T4REngineer
Sun Aug 12, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 7307

Re: how much car can we afford?

denovo wrote:
Sun Aug 12, 2018 6:25 pm
100k car. 500 HP or Bust.
I'll add AWD to the list - launch control and you have your own roller coaster :D (keep it under the speed limit)
by T4REngineer
Sun Aug 12, 2018 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 7307

Re: how much car can we afford?

If we both became totally unemployed, i think we could cut expenses down to 7k/month while continuing to pay on the mortgage. That's probably an over estimate but i'll go with that number. Right now our taxable account is 650k with about 50k worth of gains on it. So 600k can be taken tax free. If w...
by T4REngineer
Sun Aug 12, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: personal injury lawsuit
Replies: 25
Views: 2866

Re: personal injury lawsuit

Would love to know more - its ZERO my business so you are certainly not obligated and lawyers may say not to but what are the details that make you think the landlord owes you compensation and that this was not simply an accident (hence why we have medical insurance, long and short term disability i...
by T4REngineer
Sun Aug 12, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: House Value & Mortgage as a Percentage of Net Worth
Replies: 83
Views: 6900

Re: House Value & Mortgage as a Percentage of Net Worth

Why would I live in that VHCOL area if I am not paid well enough to live well in those areas? <<Your solution would have to be to move out of California in the long run>> Why would I live in California in the first place? In my area, California does not pay high enough to compensate for the additio...
by T4REngineer
Sun Aug 12, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: House Value & Mortgage as a Percentage of Net Worth
Replies: 83
Views: 6900

Re: House Value & Mortgage as a Percentage of Net Worth

1) I think this varies a lot by person and cost of living. The biggest downside in tying up a laree % of income (however you want to measure it net or gross) is that in general a house is very illiquid and has high transaction costs. If you are spending 30% on a house and 20% eating out, well its mu...
by T4REngineer
Sun Aug 12, 2018 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 7307

Re: how much car can we afford?

Interesting that one has to make about 300k to afford a 20k car - a midlevel civic. This board is very interesting when it comes to cars. X2.... but they get no value or enjoyment out of their transportation and we can not fault them for that just as they can not fault us for spending far more on a...
by T4REngineer
Wed Aug 08, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Anyone else decided not to finish med school?
Replies: 76
Views: 26642

Re: Anyone else decided not to finish med school?

We have some friends whose son went to medical school. He finished the first year, and started into the second year when he decided to not pursue it anymore, for a few reasons (among them amount of debt needed to finish, and the impact to time with spouse, realizing that he won't make tons of money...
by T4REngineer
Wed Aug 08, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: Anyone else decided not to finish med school?
Replies: 76
Views: 26642

Re: Anyone else decided not to finish med school?

He did not fail, he got experience in a system that he realized was not for him and his life's priorities - he made the right choice for him (sounds like) The better question is why is the medical system set up the way it is - no transparency and what seems like hazing and "right of passage" to join...
by T4REngineer
Wed Aug 08, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 10906

Re: Few weeks into new job recieved significantly better offer elsewhere

I guess I'll be in the minority here. You made a commitment to a small company which has spent time and money to get you on board. They have made you welcome and apparently have stuck to what they have promised. In my old fashioned opinion, a person of character would honor that. For my generation ...
by T4REngineer
Sun Aug 05, 2018 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 10906

Re: Few weeks into new job recieved significantly better offer elsewhere

I guess I'll be in the minority here. You made a commitment to a small company which has spent time and money to get you on board. They have made you welcome and apparently have stuck to what they have promised. In my old fashioned opinion, a person of character would honor that. For my generation ...
by T4REngineer
Thu Aug 02, 2018 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Question to retirees - money or work/life balance?
Replies: 46
Views: 5848

Re: Question to retirees - money or work/life balance?

Young , Single and No kids - What else do you plan to spend the time on?

Only partially kidding
by T4REngineer
Tue Jul 31, 2018 9:17 am
Forum: Investing - Theory, News & General
Topic: Are millennials botching their asset allocations?
Replies: 68
Views: 8155

Re: Are millennial botching their asset allocations?

Interesting, at 30 I know of no one in my peer group that holds 0% in equities aside from those who have zero savings :shock:
by T4REngineer
Tue Jul 31, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Realities of Early Retirement Model (FIRE)?
Replies: 96
Views: 10589

Re: Realities of Early Retirement Model (FIRE)?

The thing that bugs me... this healthcare is not really cheap . Its subsidised - by the rest of us still working and paying high tax rates. Not only do corporations do the same thing, they have a fiduciary responsibility to shareholders to engage in all manners of tax maneuvers. But yet, somehow it...
by T4REngineer
Mon Jul 30, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5760

Re: What Should I Do About A Dying Friend's Assets?

Wiping out entire post - after thinking about his I understand what the OP is trying to do better ( I think ) So if I get this correctly *OP Friend is dyeing and wishes that if he passes before sister all money goes to benefit her (that what he wants the money to be used for, realize this is not him...
by T4REngineer
Mon Jul 30, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 201
Views: 15808

Re: Joint Ownership of home with second wife

Yuck No helpful advise to give other then to second( or third+) sitting down with a lawyer and your future spouse to come up with the most equitable arrangement. I have seen this in person where remarriage occurs (both had kids) both wanted a nice home, and if one spouse died they wanted the home to...
by T4REngineer
Sun Jul 29, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 5689

Re: Air Conditioning?

Well worth the cost for the comfort of you and your family! FWIW I think your in the ball park, sounds like the ducting is all there and you only need the evaporator coil inside and the condenser unit outside Previous owners of my home had a high velocity system installed for ~11k but opposite sides...
by T4REngineer
Sun Jul 29, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: selling used car with hail damage
Replies: 30
Views: 2023

Re: selling used car with hail damage

I hate to break it to you, but your car is certainly NOT "immaculately maintained" if it has 2 year old hail damage that you didn't repair. Somehow I doubt you really "hate" correcting me, but regardless I should have qualified my post with "immaculately maintained mechanically with all service rec...
by T4REngineer
Sun Jul 29, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: selling used car with hail damage
Replies: 30
Views: 2023

Re: selling used car with hail damage

carolinaman wrote:
Fri Jul 27, 2018 12:23 pm
You were compensated for the damage. That should tell you how much to discount to someone else if you want to be honest with them.
I was thinking this same thing