Search found 135 matches

by phxjcc
Wed Jul 17, 2019 1:55 am
Forum: Personal Consumer Issues
Topic: "Objective" Importance of Keeping Your Physicians?
Replies: 63
Views: 4499

Re: "Objective" Importance of Keeping Your Physicians?

Think of your body as a machine, like a car. Ok, so now let's say...my 195x MWM has a burned out headlight. I can go to any professional and have it replaced. MD, DO, NP, maybe even a D.C.. Now, let's say your classic 65+ year old car has an overheating problem. Thermostat, mixture too lean, timing ...
by phxjcc
Wed Jul 17, 2019 1:26 am
Forum: Personal Finance (Not Investing)
Topic: Help Responding to the IRS
Replies: 16
Views: 1695

Re: Help Responding to the IRS

Don't fear the IRS. They are not an evil group. They are humans doing a job. They want to correct the issue, just like you do. Work with them to get to the bottom of this. I definitely agree with this. If you can reach someone on the phone, you may well find that they can easily straighten the issu...
by phxjcc
Tue Jul 16, 2019 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home; Very HCOL Area
Replies: 40
Views: 3591

Re: Buying a home; Very HCOL Area

Yeah NY times calculator is great. Comparing S&P total return to only the appreciation of a house is not like to like. The house provides reduced cash flows when owning it versus having to pay rent of a EQUIVALENT house. That cash flow is a sort of yield that needs to be accounted for. This...a mil...
by phxjcc
Tue Jul 16, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: choosing a contractor
Replies: 9
Views: 808

Re: choosing a contractor

Hire the contractor that is the most reputable, professional, organized, and follows through when he says he's going to. You want the best written contract, best project, on time, with the best results, for a "reasonable price" (not always the lowest), from a licensed insured contractor. Give the a...
by phxjcc
Tue Jul 16, 2019 9:29 am
Forum: Personal Investments
Topic: Help - Talk to me like I'm 4 y/o please
Replies: 90
Views: 7612

Re: Help - Talk to me like I'm 4 y/o please

First off, none of your ER’s are low, she just wants you to believe that. You would be better served moving everything to Vanguard & letting PAS get you going with them. Their fees are low, and I’m sure they will put you in very low cost funds. Later, when you feel more confident, and if you want, ...
by phxjcc
Tue Jul 16, 2019 12:16 am
Forum: Personal Consumer Issues
Topic: New family car and safety considerations
Replies: 46
Views: 2483

Re: New family car and safety considerations

"Late model Ford Brono". ???? They were last made in 1996. Buy the Odyssey. Get over the minivan thing. It's one big BOX with an engine and seats. Maximum versatility, vs say a box with two seats and no usable trunk like a (insert name of sports car here). Or an SUV, which is a smaller box. Phase of...
by phxjcc
Mon Jul 08, 2019 7:40 pm
Forum: Investing - Theory, News & General
Topic: Americans believe they need $1.7 million, on average, to retire
Replies: 284
Views: 27057

Re: Americans believe they need $1.7 million, on average, to retire

This is such crap, why do threads like this not get shut down?

@mods?

In other words, Schwab went out and asked people if they wanted $100K per year in retirement.

They said yes.

Then they backed into this number using average SSA benefits.

Stop providing free advertising for the FI industry.
by phxjcc
Thu Jul 04, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Would we regret buying a 2nd home?
Replies: 90
Views: 7925

Re: Would we regret buying a 2nd home?

OP: First off, the usual responses....66 so far and maybe 15% that have actually done it. I have two seasonal homes one for Nov-May, one for the obverse. It costs money, about 100% more than renting. Plus you are locking up money for the down payment. Yes, you can talk about RE being an appreciating...
by phxjcc
Tue Jul 02, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: HCOL vs LCOL Dilemma
Replies: 96
Views: 4740

Re: HCOL vs LCOL Dilemma

IT Exec West (of the 405) Los Angeles->Ventura County->NYC->NZ->Phoenix->Denver, etc, etc.... 1. House appreciation is vastly different in metro LA than metro DFW. "RE returns not guaranteed, blah, blah, blah...." is what you will hear from people here...the same people saying "go with low cost inde...
by phxjcc
Tue Jun 25, 2019 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Transition to management is stressful
Replies: 20
Views: 2620

Re: Transition to management is stressful

6x Y.O., retired tech manager for 30 + years.... 1. 10 is too many direct reports....find two team leads. 2. It is easy for new managers to get overwhelmed... a. It is up to your people to come to you with a choice of solutions to problems with well thought out consequences for each choice. If they ...
by phxjcc
Tue Jun 25, 2019 2:15 am
Forum: Personal Consumer Issues
Topic: Re Buying a higher miles but higher end used vehicle... where?
Replies: 19
Views: 2344

Re: Re Buying a higher miles but higher end used vehicle... where?

Phoenix/Scottsdale, Arizona or Palm Springs, CA has plenty of these. Check craigslist, or local dealers. In PSP it is common to find 10 years old with < 50K. Lots of LSs and ESs. Usually garaged. Ditto corvettes, Porsches, MBz's, et al. No rust, no salt, dealer maintained. As to the latest "safety" ...
by phxjcc
Mon Jun 24, 2019 1:48 am
Forum: Personal Consumer Issues
Topic: Anyone moved cross country. How did you manage to do it without going nuts??
Replies: 47
Views: 4262

Re: Anyone moved cross country. How did you manage to do it without going nuts??

7 in 34 years. 1. Drive one car, the other can go in the moving truck. Caravanning cross country is horrible. Yes, rent one in the new location. 2. Sell the house, get a decent rental until you find a new home. Caveat, one time I had a quick sell, and a quick buy and we closed before the truck left ...
by phxjcc
Sun Jun 23, 2019 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Minimizing financial risk in case of disability
Replies: 12
Views: 1153

Re: Minimizing financial risk in case of disability

Be aware that most group LTD plans stop paying once you have been granted SSDI and the SSDI payments start.

Furthermore, you may have to pay your group LTD insurer some or all of your lump sum (arrearages) from the SSA once SSDI is awarded.
by phxjcc
Tue Jun 11, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: Air Purifier for Bedroom?
Replies: 17
Views: 1632

Re: Air Purifier for Bedroom?

Austin Air is the brand that I use.

Expensive initially, but filters last 5 years.

Been on constantly for 10 years.

Noisy, so if you are sensitive to white noise may not be for you.
by phxjcc
Mon Jun 10, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 13574

Re: I'm thinking about buying a supercar anyone here done this and feedback?

Apologies if this is redundant... 911 GT3, pick a variant; drive, sell it on for only slightly less than you paid. If you want to go shopping...pick one of the places in Vegas where you can drive the exotics. Better to spend x000's trying them out vs x000,000's buying and deciding that you made a mi...
by phxjcc
Fri Jun 07, 2019 1:32 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy a home in a resort community?
Replies: 24
Views: 4014

Re: Should I buy a home in a resort community?

With older golfers disappearing and boomers giving up the game, many golf based properties are struggling to support their courses. There are several litigations going on in the desert wrt to HOA raising dues to cover the cost of maintaining the course(s). ..and I am talking about people that pay $9...
by phxjcc
Wed Jun 05, 2019 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving Employer to Work for Current Client?
Replies: 33
Views: 3073

Re: Leaving Employer to Work for Current Client?

I did this...from Tech Vendor to Brokerage customer.

CxO's both knew me and each other, the customer COO called the vendor CEO and made sure there were no hard feelings.

Of note, the vendor deparately needed the customer's revenue...so, of course, he said "no problem".
by phxjcc
Mon Jun 03, 2019 4:07 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 7142

Re: Do you drive old cars for long distance travels?

New contest...
(Mileage on car * miles driven on trip)/(trip time in hours)

Highest miles and fastest wins.

154,000 on odo

1021 miles

15.5 hours.

What do I win?
by phxjcc
Thu May 30, 2019 2:10 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer
Replies: 59
Views: 5556

Re: Jim Cramer in Miami

Bogleheads: In March of 2000, at the peak of a bull market, Mr. Bogle and Mr. Cramer were keynote speakers at a Miami Money Show. Mr. Bogle warned about the stock "bubble" and urged his listeners to maintain a healthy allocation to bonds. Mr. Bogle was followed by Jim Cramer. Mel and I stood in the...
by phxjcc
Wed May 29, 2019 10:19 pm
Forum: Personal Consumer Issues
Topic: Financial Math and CFP
Replies: 9
Views: 951

Re: Financial Math and CFP

Get yourself a vintage HP12C manual (from the 90's). Here is one: https://www.amazon.com/Hewlett-Packard-Handbook-Problem-Solving/dp/B000TEW52S/ref=pd_sbs_14_1/143-7535703-3728669?_encoding=UTF8&pd_rd_i=B000TEW52S&pd_rd_r=95b729e1-8289-11e9-b54d-15003332d70e&pd_rd_w=haooO&pd_rd_wg=3emu1&pf_rd_p=5889...
by phxjcc
Wed May 22, 2019 12:18 am
Forum: Personal Consumer Issues
Topic: Yellowstone Family Resort/Glamping Rec's
Replies: 11
Views: 1779

Re: Yellowstone Family Resort/Glamping Rec's

Signal Mountain Lodge in Grand Teton NP.
Coffee shop, dining room, marina, guided fishing trips, float trips.

Right on Jackson Lake. 45 min to OF.

They have a large place called “home away from home “ that is 2 BR Iirc.

If you go in shoulder season (may/sept) you get deep discounts.
by phxjcc
Tue May 21, 2019 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Compensation negotiation strategy (rocket ship tech)
Replies: 27
Views: 3534

Re: Compensation negotiation strategy (rocket ship tech)

Many people suggest hopping, hopping, hopping. I frankly would probably toss your resume. I need to know that the guys I hire are going to ride with me. For what it's worth, I'm Director at a Sequoia-backed startup. Edit: Don't burn bridges. Silicon Valley is about people. This industry is highly c...
by phxjcc
Sun May 19, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: Good quality sneakers for someone with foot issues?
Replies: 37
Views: 3099

Re: Good quality sneakers for someone with foot issues?

Brooks Beast.

N, S, 2E, 4E widths available.

Pricey, but worth it.

Podiatrist and Othopedist recommended.
Very highly regarded.

Be sure to get the latest version (18), the previous had too narrow a front half.

Rarely discounted, and I need 14 4E, so I order directly from Brooks website.
by phxjcc
Tue May 14, 2019 2:34 pm
Forum: Personal Consumer Issues
Topic: Donating Car to Disabled Veterans - Recommendations?
Replies: 2
Views: 268

Donating Car to Disabled Veterans - Recommendations?

I want to donate a car to a disabled veterans charity. Any recommended organizations that BH's have used? My google-fu gives me at least a choice of 10 organizations. You call, they pick up the car, they give you a 503(c) receipt for $500, if it wholesales for more, you get a replacement receipt. Ye...
by phxjcc
Fri May 10, 2019 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Disability: Fibromyalgia
Replies: 31
Views: 3564

Re: Social Security Disability: Fibromyalgia

I helped a friend get SSI. 1. You need a lawyer. 2. Keep a copy of every scrap of paper -- he didn't and SS "lost" his application the first time. 3. 50 is kind of a magic age. Under 50 and the applicant is evaluated for the ability to hold any job, over 50 and the applicant is only evaluated for j...
by phxjcc
Fri May 10, 2019 1:22 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Disability: Fibromyalgia
Replies: 31
Views: 3564

Re: Social Security Disability: Fibromyalgia

Advice from someone that has also been through it. Background: Disease: MS Doctor: specialist in MS, Sloan/Kettering residency Year dx'd: 2003 Year fully disabled: 2009 Age at full disability: 57 Age applied for SSDI: 60 Job: Technology management Years in field: 30 Years working (total): 41 Non wor...
by phxjcc
Fri May 10, 2019 12:23 am
Forum: Personal Investments
Topic: Too late to start over with nothing?
Replies: 40
Views: 6289

Re: Too late to start over with nothing?

Medicare kicks in 2 years after SSDI. SSDI income limits are about $1100 per month. Be careful on the SSDI transition to FRA income, I reached FRA in September and the SSA said that I went from SSDI to FRA income in January. (Wth?) t. I was told that there is a transition into regular SS with no ch...
by phxjcc
Thu May 09, 2019 8:06 pm
Forum: Personal Investments
Topic: Hedge against the decline of the Realtor profession
Replies: 48
Views: 4161

Re: Hedge against the decline of the Realtor profession

I suspect it will be one of the big FAANG boys. Well, forget one of the A's and the N. They are going to need ubiquitous reach, large lobbying power, and huge data cababilities. Sounds like Faceazonagle. I suspect during the next housing collapse, values will be down, some owners will be close to 0 ...
by phxjcc
Tue May 07, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: I have a car problem - $100K+ Cars
Replies: 48
Views: 6725

Re: I have a car problem - $100K+ Cars

I have the exact same car passion which also conflicts with my Boglehead conservative leanings. I have bought and sold a few, but always limit my search to cars I believe are nearly fully depreciated and hopefully maybe even going up in value. My last two were a 2006 Honda S2000 and a 2005 Acura NS...
by phxjcc
Tue May 07, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: Which US city would you move to?
Replies: 74
Views: 7293

Re: Which US city would you move to?

Palm Springs 7 months,
Nipomo 5 months,
rinse, repeat.
by phxjcc
Tue May 07, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: Bathroom Remodel - Looking for Advice
Replies: 56
Views: 4227

Re: Bathroom Remodel - Looking for Advice

Either replace only the shower or redo everything. Tubs are cheap. You will hate the tub if you leave the old one in. I worked for a remodeling contractor for several years doing bathrooms almost exclusively. We did everything start to finish and were in and out in less than two weeks. Get referenc...
by phxjcc
Tue May 07, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Anybody try the Blue Apron or the like?
Replies: 77
Views: 5703

Re: Anybody try the Blue Apron or the like?

My personal feeling is that these are the equivalent of Timeshares for eating. That's an interesting way to put it. Personally, I don't understand the appeal at all. Seems like the worst of all worlds to me; not particularly convenient, expensive, and wasteful. I guess if you would like to learn to...
by phxjcc
Tue May 07, 2019 12:49 am
Forum: Personal Consumer Issues
Topic: Bathroom Remodel - Looking for Advice
Replies: 56
Views: 4227

Re: Bathroom Remodel - Looking for Advice

Look into Cabinets-to-go. Good quality, inexpensive, and easier to put together than IKEA. Started by the lumber liquidators guy. You can save BIG here. IKEA are a HUGE pita to retrofit to plumbing. I have had to cut drawers, cabinets and plumbing fittings. I used kitchen cabinets in the bathroom be...
by phxjcc
Sun May 05, 2019 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Compensation negotiation strategy (rocket ship tech)
Replies: 27
Views: 3534

Re: Compensation negotiation strategy (rocket ship tech)

Op:
You are guilty of a false equivalency.

Your co worker’s total compensation is higher because she has RSUs or options that have appreciated in value.

Otherwise, Mr Bezos owes me a LOT of money because I have to buy his stock at 2,000 and he got it for 1.
by phxjcc
Thu May 02, 2019 11:48 am
Forum: Personal Investments
Topic: Too late to start over with nothing?
Replies: 40
Views: 6289

Re: Too late to start over with nothing?

Medicare kicks in 2 years after SSDI. SSDI income limits are about $1100 per month. Be careful on the SSDI transition to FRA income, I reached FRA in September and the SSA said that I went from SSDI to FRA income in January. (Wth?) Also, the theorists will tell you that paying debt off is the "right...
by phxjcc
Thu May 02, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Giving two week's notice before stock options vest
Replies: 91
Views: 6116

Re: Giving two week's notice before stock options vest

I agree with the thought that you should have negotiated this ahead of time. If you felt that the $20k was important, you could have negotiated the start date accordingly to give your notice and receive the options. It's not uncommon in this tech hiring market for people to have even 2-3 months in ...
by phxjcc
Tue Apr 30, 2019 9:25 pm
Forum: Personal Consumer Issues
Topic: new roof
Replies: 34
Views: 3270

Re: new roof

I just did a new roof in the Palm Springs area.

Went with foam and the insulating factor has to be experienced to be believed. Was 102* and I walked over to check if the AC was on.

You have to resurface every 5 years, but otherwise a lifetime roof.

If you have a flat roof, highly recommended.
by phxjcc
Tue Apr 30, 2019 9:02 pm
Forum: Personal Investments
Topic: What happened to GE?
Replies: 24
Views: 2569

Re: What happened to GE?

What happened to GE? It is way oversimplified but Jack Welch basically transitioned GE from being a manufacturing company to being mostly a financial services company. That worked well for a while, until it didn't and in the meantime he and the other executives received what has been call excessive...
by phxjcc
Tue Apr 23, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 555
Views: 49305

Re: Why are you NOT buying rental properties?

I've been in the RE investing space since 2004, on the side, with single family rentals. I've done pretty well, but it is side business, not passive income whatsoever. You make money in RE when you buy. You've got to find a DEAL or it's just not worth it. All of my purchases have been foreclosures....
by phxjcc
Mon Apr 22, 2019 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can one own a Porsche 911 that is not a money pit?
Replies: 49
Views: 5183

Re: Can one own a Porsche 911 that is not a money pit?

996 is the value leader. 1999 have ‘real’ throttle cables and some value that. 997 have better interiors, and of course the headlights. IMS issues in all but TT and GT3, just plan on $3K. If you buy CPO you will pay a premium and much more for a 991 and the depreciation will be higher. If you want i...
by phxjcc
Thu Apr 18, 2019 11:17 pm
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 8671

Re: This could be the biggest risk that retirees face?

The greatest risk to retirees may be that you'll be too successful The statistics are pretty clear. The greatest risk to retirees is a spending shock. Not a stock market crash or inflation or living too long. There's about a 13% chance that at least one person in a couple will live to be 100. On th...
by phxjcc
Thu Apr 18, 2019 2:39 am
Forum: Personal Consumer Issues
Topic: Do you pick up after renting a vacation rental?
Replies: 51
Views: 3627

Re: Do you pick up after renting a vacation rental?

It used to be ... Owner hired a cleaning crew, they charged owner $100. Owner saw place was spotless and returned the fee, or if clean, returned 1/2 of it. Then MSFT/Expedia gets involved and they want their 20%. So, it goes to $120. Six months later, the owner finds out that MSFT is such a PITA to ...
by phxjcc
Mon Apr 15, 2019 6:10 pm
Forum: Personal Consumer Issues
Topic: Walking shoes
Replies: 33
Views: 2250

Re: Walking shoes

Merrill Moab Men's and women's models, high and mid tops, and width sizing available, although only to 2E. Great for cobblestone as the low version gives plenty of support. Regular and waterproof models. Waterproof models are great, but feet will be swimming in perspiration on hot days. Brooks beast...
by phxjcc
Sun Apr 14, 2019 11:17 pm
Forum: Personal Investments
Topic: Simplifying: want to move DRIP from C'share to Schwab
Replies: 4
Views: 351

Simplifying: want to move DRIP from C'share to Schwab

Long story short, have BAC shares in a DRIP program administered through Computershare. No fees, nor transaction charges. Probably a grandfathered program that I inherited. Just want one less account. Value is $X0,000, where X<5. Anyone ever do this? Anyone know of Schwab DRIP fees, if any? Thanks! ...
by phxjcc
Sun Apr 14, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: Buying a new computer could use advice
Replies: 32
Views: 2758

Re: Buying a new computer could use advice

Some Chromebooks require an internet connection to work, thats something to be aware of. If your a privacy conscious person, Google is a company you might want to be a little wary of. The simple route: Buy any computer that has at least an i5 processor, 8GB RAM and a SSD. Personally I would go with...
by phxjcc
Sun Apr 07, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: fun car advice
Replies: 140
Views: 9211

Re: fun car advice

911.996 40 Jahre
by phxjcc
Fri Apr 05, 2019 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Best thing to prepare for care for parents
Replies: 17
Views: 1664

Re: Best thing to prepare for care for parents

If there is a trust, make sure that you know where it is, suggest you keep the original. I had a panic finding my parent’s. Keep original POA doc’s. If you will need access to funds, suggest moving them to a local branch of a regional bank or S&L. Synchrony and Ally are a PITA to deal with, as are l...
by phxjcc
Thu Apr 04, 2019 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 401
Views: 51125

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

My brother and I are both in our late 50's. He was a project manager; I am a business analyst; both for software development and maintenance projects. Similar experience. The new mantra of several companies is that they are located in "right to work" states. Be forewarned, this is code for 'right t...