Search found 35 matches

by mountains
Thu Aug 22, 2019 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Planning to move out of state, when should I start submitting resume?
Replies: 8
Views: 518

Re: Planning to move out of state, when should I start submitting resume?

Since the recruiter reached out to you I would just respond saying that you're not in CA yet and what your timeline is. I don't see any downside of that.
by mountains
Wed Aug 14, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Considering adding second level to house [Bay Area]
Replies: 40
Views: 3303

Re: Considering adding second level to house [Bay Area]

After going through my current renovation, I offer the following tips for construction in the bay area: 3. The permitting process will probably take several months in the bay area. It took eight weeks to do the engineering (the engineering firm later admitted they had f'd up, but demanded that I si...
by mountains
Wed Aug 14, 2019 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to make sense out of this refinance
Replies: 8
Views: 727

Re: Trying to make sense out of this refinance

I'm pretty sure that you can ask your current lender to cancel PMI once you reach 80% LTV even if you don't refinance. (Doesn't mean that refinance is not worth it, but you should be able to get rid of PMI regardless)
by mountains
Tue Aug 13, 2019 11:28 pm
Forum: Personal Consumer Issues
Topic: Family Practice going member only Pros & Cons?
Replies: 53
Views: 3259

Re: Family Practice going member only Pros & Cons?

If you have ongoing health issues it could be quite good for you. Models vary but often you pay a fixed monthly fee plus you may or may not pay for each office visit in addition. If your provider takes insurance, it will probably cover the office visit part but not necessarily the monthly fee. What ...
by mountains
Tue Aug 13, 2019 11:03 pm
Forum: Personal Consumer Issues
Topic: Geekbench Scores: Single vs Mult-Core Scores?
Replies: 16
Views: 925

Re: Geekbench Scores: Single vs Mult-Core Scores?

randomguy is right. Multi-core performance is what matters today even with basic workloads like browsing and email. I think that 4 cores is still quite sufficient for most/many use-cases today though. All that being said: unless you are doing some very heavy duty work the MacMini will be plenty fast...
by mountains
Wed Jul 31, 2019 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Ethics of "bonus payback" when quitting a job
Replies: 157
Views: 9722

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

4. Father's contract stipulates a 3-month out (as I said, not uncommon in medicine). One consideration is whether the 3-month is actually enforceable in his state. Might we worth having a conversation with an employment lawyer about this. If the 3 month is not enforceable, your Dad can consider mak...
by mountains
Tue Jul 30, 2019 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare question - US citizen with dual citizenship (EU) retiring before medicare age
Replies: 8
Views: 619

Re: Healthcare question - US citizen with dual citizenship (EU) retiring before medicare age

This varies between EU countries, you have to check for the particular country you'll be residing in.
Also note that you probably won't have coverage in the US if you have EU based insurance, so you'll want to look into travel insurance.
by mountains
Tue Jul 30, 2019 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare question - US citizen with dual citizenship (EU) retiring before medicare age
Replies: 8
Views: 619

Re: Healthcare question - US citizen with dual citizenship (EU) retiring before medicare age

This varies between EU countries, you have to check for the particular country you'll be residing in.
Also note that you probably won't have coverage in the US if you have EU based insurance, so you'll want to look into travel insurance.
by mountains
Fri Sep 28, 2018 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: ISO taxes and AMT [Incentive Stock Option]
Replies: 25
Views: 2152

Re: ISO taxes and AMT

If you've already exercised your options, you've already incurred your tax liability so there isn't much you can do. If the AMT this year pushes you into a higher marginal tax bracket it might be worth to consider pulling in planned deductions (that are deductible for AMT) for next year into this ye...
by mountains
Thu Sep 20, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Hubby soon to be laid off
Replies: 74
Views: 8079

Re: Hubby soon to be laid off

Regarding life insurance: it should replace lost income that somebody else relies on if the if the insured dies. Given your portfolio and expected social security in a couple of years you probably no life insurance or just very little
by mountains
Mon Sep 10, 2018 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: $250,000 family loan to parents?
Replies: 50
Views: 4791

Re: $250,000 family loan to parents?

People are making this way to complicated. A simple home loan to your parents, sounds like a primary mortgage. It has the benefit of being truthful, simple, and protects everyone. Why make it more complicated than that? Give them time to process the changes in their life and ease out of the old hou...
by mountains
Mon Sep 10, 2018 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 99
Views: 11865

Re: Side Hustle Options/Suggestions.

Does Amazon have Amazon flex in your area (Deliver amazon packages with your car)? No clue if it adds up after taking car cost into account. I think you get a load of packages and deliver them in one go so unlike doordash there isn't a downtime between deliveries. But as others have said, you might ...
by mountains
Fri Sep 07, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Encryption Solution: Local + Cloud
Replies: 60
Views: 4430

Re: Encryption Solution: Local + Cloud

I'm on a Mac. I'm using Google Drive (dropbox would work just as well) and use an encrypted MacOS sparsebundle disk image. I was too lazy to investigate 3rd encryption options.
by mountains
Wed Sep 05, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: small-wheel bicycle
Replies: 19
Views: 1405

Re: small-wheel bicycle

I have a Brompton and I love it. Amazing bike. At least when I bought it 2 years ago, it was by far the smallest form-factor (needs the least amount of space when folded). Many of the other foldable bike brands are bulkier when folded but they should all fit into a normal sized trunk (there might no...
by mountains
Tue Sep 04, 2018 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Sell our new home to downsize
Replies: 37
Views: 3677

Re: Sell our new home to downsize

Your house is in a great school district so you won't want/need private school and your daycare expenses are temporary for a couple of years. You are putting a lot of additional money towards paying down principal. Consider only paying minimal payment on your mortgage while your kids are in daycare....
by mountains
Sat Sep 01, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Do-It-Yourself Wiring the Home With Ethernet: What to Buy
Replies: 54
Views: 3592

Re: Do-It-Yourself Wiring the Home With Ethernet: What to Buy

There are a couple of things you need to figure out before starting: do you have drywall or lath-and-plaster (plaster is harder to work with), Drywall. House is 1990s construction. do you have an attic and is your basement finished, i.e., do you have easy access to get into your walls from above/be...
by mountains
Sat Sep 01, 2018 1:07 am
Forum: Personal Consumer Issues
Topic: Do-It-Yourself Wiring the Home With Ethernet: What to Buy
Replies: 54
Views: 3592

Re: Do-It-Yourself Wiring the Home With Ethernet: What to Buy

I figured a contractor might charge $200-300/drop. I could save many hundred $$$ and learn a valuable skill doing it myself, since I've actually personally never cut open a wall to put in a gang box in my life and this seems like a really fun project. I think that's definitely a nice skill to have ...
by mountains
Sat Sep 01, 2018 12:57 am
Forum: Personal Consumer Issues
Topic: Do-It-Yourself Wiring the Home With Ethernet: What to Buy
Replies: 54
Views: 3592

Re: Do-It-Yourself Wiring the Home With Ethernet: What to Buy

That's a big project. The hard (and annoying) part is getting the cable into the walls. From your post it sounds like you are focussing a lot on the ethernet part. I think that's the easy part. There are a couple of things you need to figure out before starting: do you have drywall or lath-and-plast...
by mountains
Wed Aug 29, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Nespresso?
Replies: 103
Views: 9233

Re: Nespresso?

We are always on the lookout for the "perfect bean" to use in our Jura Impressa. But it doesn't do well with oily beans. Are these oily? I recommend Lavazza espresso beans! Not oily at all, good taste, and a pretty cheap (just over $20 for 2.2lbs) (I never had Marimas Orphea, I'll probably give it ...
by mountains
Tue Aug 28, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Minivan for family of 4.
Replies: 34
Views: 3242

Re: Minivan for family of 4.

We are a family of 4 and we have a Honda Odyssey. I think a minivan is a great choice even with 4 people. We often have friends of our kids or grandparents in the car with us (plus it's great to haul stuff around -- you can fit a 4x8 plywood in the back). A minivan is by far the most comfortable 3-r...
by mountains
Mon Aug 27, 2018 1:51 pm
Forum: Investing - Theory, News & General
Topic: Pensions and retirement savings rate
Replies: 30
Views: 2768

Re: Pensions and retirement savings rate

Instead of using a fixed rate of savings you should (try to) calculate what your expenses in retirement will be, how much you expect to receive from pensions and social security and the difference is what your savings need to provide. Than you calculate back how much you need to save to reach that g...
by mountains
Sat Aug 25, 2018 11:55 pm
Forum: Investing - Theory, News & General
Topic: Which bond index fund best in taxable acct?
Replies: 22
Views: 2729

Re: Which bond index fund best in taxable acct?

It took me a while to do this, but I would put my allocation of bonds completely in your tax deferred accounts and only have stocks in your taxable account. TSM willthrow off about 2% qualified dividends every year and an inconsequential amount of other income. This site taught me this and it is de...
by mountains
Sat Aug 25, 2018 11:50 pm
Forum: Investing - Theory, News & General
Topic: Which bond index fund best in taxable acct?
Replies: 22
Views: 2729

Re: Which bond index fund best in taxable acct?

In CA, in the 32% federal tax bracket, any bonds you hold in your taxable account should be munis. My preference for CA investors is to split evenly between Vanguard Limited-Term Tax-Exempt and CA Long-Term Tax-Exempt, so that only half your bonds are in CA, but more than half your bond interest is...
by mountains
Sat Aug 25, 2018 11:50 pm
Forum: Investing - Theory, News & General
Topic: Which bond index fund best in taxable acct?
Replies: 22
Views: 2729

Re: Which bond index fund best in taxable acct?

In CA, in the 32% federal tax bracket, any bonds you hold in your taxable account should be munis. My preference for CA investors is to split evenly between Vanguard Limited-Term Tax-Exempt and CA Long-Term Tax-Exempt, so that only half your bonds are in CA, but more than half your bond interest is...
by mountains
Thu Aug 23, 2018 6:59 pm
Forum: Personal Investments
Topic: Strike One, Strike 2, and Now What? Please Help!
Replies: 67
Views: 6944

Re: Strike One, Strike 2, and Now What?

One thing that I would caution about target date funds is their asset allocation. Different companies have different allocations for the same target. For example, American century is more conservative than Vanguard. Personally, I found Vanguard too aggressive. So please make sure you find a fund th...
by mountains
Thu Aug 23, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: To buy or hold for housing crash in Bay Area CA
Replies: 27
Views: 3746

Re: To buy or hold for housing crash in Bay Area CA

I think the effect of SALT deduction are overrated but we'll see. For lower earners the expanded standard deduction will make up for it. High earners will profit because they'll no longer be paying AMT (SALT is not deductible for AMT and many people were subject to AMT due to their SALT deductions)....
by mountains
Tue Aug 21, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Is divorce a wise financial move?
Replies: 90
Views: 5521

Re: Is divorce a wise financial move?

We're in the 22% bracket. We're each on the health insurance plan offered by our respective employers...neither plan charges more for singles vs couples. I'm not sure we're getting a break on auto insurance since we've maintained the individual policies that we had before getting married. I'll have...
by mountains
Fri Aug 17, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: physics/math major looking for programmer/analyst job?
Replies: 111
Views: 9499

Re: physics/math major looking for programmer/analyst job?

It really depends what part of the interviews he failed. If it was basic coding questions, then leetcode.com and careercup.com are great to practice typical coding interview questions. In order to get more experience with larger software systems, it helps to find an (opensource) project to work on /...
by mountains
Mon Jul 30, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: First-timer shopping for mortgage, compressed timeline w/ odd job situation
Replies: 13
Views: 1555

Re: First-timer shopping for mortgage, compressed timeline w/ odd job situation

I can't help with 1) and 3), but for #2, you probably don't want to apply for multiple loans at once. Each ping will slightly reduce your credit score. Ask for quotes first and compare their standard terms to choose. Then only apply for one. Thats usually bot a conceen for mortgages. Recent inquiri...
by mountains
Mon Jul 30, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Questions
Replies: 13
Views: 1354

Re: Auto Insurance Questions

Some umbrella policies require a minimum amount of underlying insurance (usually homeowners or auto). Mine does. So you want to check your umbrella insurance
by mountains
Sat Jul 21, 2018 5:27 pm
Forum: Personal Investments
Topic: Why Buy Bond Funds When Patelco/Provident CU Accounts Return 2-3%?
Replies: 12
Views: 2436

Re: Why Buy Bond Funds When Patelco/Provident CU Accounts Return 2-3%?

The amount of money that can earn that much interest is limited. Eg, to $25k at provident. And at patelco 25k only yields
an aggregated 0.98%.
by mountains
Thu Jul 19, 2018 1:11 am
Forum: Personal Finance (Not Investing)
Topic: Electric/Hybrid Tax Credits
Replies: 14
Views: 1611

Re: Electric/Hybrid Tax Credits

If you lease, then the leasing company takes the tax credit and it's usually factored into the price of the lease. So worth checking if that would make leasing more attractive than buying.
by mountains
Wed Jun 27, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Sister-in-Law - trouble adulting - Pay medical bill?
Replies: 41
Views: 3909

Re: Sister-in-Law - trouble adulting - Pay medical bill?

Mental illness is though. Both on the person afflicted by it and family members. Your SIL's behavior could be plain failure at adulting or it could be an effect of mental illness over which she doesn't have much or any control. Hard to know from the outside. Mental health issues are often under-repo...
by mountains
Mon Jun 18, 2018 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice (take the promotion or not)
Replies: 29
Views: 4241

Re: Career advice (take the promotion or not)

You should also decide what your long-term career plan is. If you like your location and work-life balance there is nothing wrong with staying. But what happens if the company goes under? Can you find another comparable job where you are? Would you be willing to take a pay-cut then? Move? Change ind...