Search found 16 matches

by KineticSync
Tue Mar 17, 2020 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 393
Views: 34748

Re: How Is Your Job Being Impacted By The Current Crisis?

Integrated circuit designer in Dallas. Mandatory work from home as of Monday. Our products are used in big datacenters and the market looks good. But...supply chain. Design is on track but looks like multi month slippage in ICs and packaging. Long-term most of this stuff traces back to the consumer ...
by KineticSync
Mon Mar 09, 2020 1:52 pm
Forum: Investing - Theory, News & General
Topic: Are any early accumulators thankful for the current correction?
Replies: 185
Views: 9973

Re: Are any early accumulators thankful for the current correction?

3 years and 10 months out from retirement. I've been hoping for a down year or two since we're still accumulating at a pretty high rate now and I'd rather get any correction over now rather than just as we retire. The big question is severity and the effect on jobs--trimming some of the excess off o...
by KineticSync
Fri Feb 14, 2020 11:11 am
Forum: Personal Investments
Topic: Differentiate Pretax and Roth investments inside 403b or 401k
Replies: 9
Views: 466

Re: Differentiate Pretax and Roth investments inside 403b or 401k

401k managed through Fidelity and I have to go into a low level report to differentiate the Roth 401k from the after tax to the pretax. No ability to set separate funding--Roth in-plan rollovers is considered to be in the same funding group as my and the employer's pretax contributions. This is a bi...
by KineticSync
Fri Feb 14, 2020 11:04 am
Forum: Personal Investments
Topic: Alternatives to Edward Jones
Replies: 44
Views: 4004

Re: Alternatives to Edward Jones

It sounds like physical presence (office and reps) is a key factor here. I've been very impressed with the local Fidelity office and reps as has my wife when she set up her Solo 401k. Same for phone contacts: polite, knowledgeable, effective, and aside from a mild push toward their services, no hard...
by KineticSync
Tue Jan 21, 2020 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Engineers - What are you making? ($$$)
Replies: 357
Views: 42826

Re: Engineers - What are you making?

This thread is depressing. You think you're doing well until you go and read posts on the internet. Damn. I feel like a lot of these "engineer" salaries and benefits are what the executives at smaller companies are making. If you are content at your current employment and knowing that your pay is n...
by KineticSync
Mon Jan 20, 2020 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Why retire?
Replies: 267
Views: 16633

Re: Why retire?

For me it's come down to control of time. I'm an engineer and have managed to find a great niche where the creative work still offsets the corporate insanity and I get to build things and play with expensive toys. But...plan time off months in advance, then fight to protect that time because product...
by KineticSync
Mon Jan 20, 2020 11:15 am
Forum: Investing - Theory, News & General
Topic: Not Experiencing Any Problems With Vanguard
Replies: 90
Views: 7012

Re: Not Experiencing Any Problems With Vanguard

Since 2008, all mutual funds, zero problems. Had to call them once and have them talk me through a Roth recharacterization ("surprise" 1099 caused us to exceed the limit) and they were very helpful.
by KineticSync
Sat Jan 18, 2020 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Engineers - What are you making? ($$$)
Replies: 357
Views: 42826

Re: Engineers - What are you making? ($$$)

Here in Texas the engineering title use determination is driven by whether you offer services to the public or not. If you're working within a corporation you can call yourself whatever type of engineer you want and nobody cares--called the industrial exemption. Other exemptions are for driving the ...
by KineticSync
Sat Dec 07, 2019 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: 25% tariff on Scotch - does this apply to tourists bringing back whisky from the EU?
Replies: 23
Views: 2211

Re: 25% tariff on Scotch - does this apply to tourists bringing back whisky from the EU?

You can have the alcohol in a checked bag as long as it's under 140 proof (70%). So careful with that 151 rum. Kind of sad that I know this...
by KineticSync
Thu Nov 14, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Personal Cloud Storage NAS - I'm Interestd!
Replies: 17
Views: 1871

Re: Personal Cloud Storage NAS - I'm Interestd!

+1 on the Synology. For higher capacity some of the units support a Raid 5 (3+1) configuration. Mine's been running about 6 years (I rotate the drives out at 4 year intervals). We keep all of our music (flac files), photos and ripped DVDs out there. Sonos and VLC can play music and ISO DVD rips dire...
by KineticSync
Thu Oct 10, 2019 3:24 pm
Forum: Investing - Theory, News & General
Topic: Motley Fool
Replies: 21
Views: 3256

Re: Motley Fool

They've had all the answers since 1993 and they're still running the website, still schlepping portfolios (even the venerable dogs of the dow and foolish four) and are working Google hard to boost their position in search results. Plus, according to some ads I've seen on other sites, they apparently...
by KineticSync
Thu Oct 03, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Camper Trailers
Replies: 17
Views: 2537

Re: Camper Trailers

Check the payload capacity of your tow vehicle--this is where the hard limitation usually is, not the max tow rating. The Tundra, after all, can pull a 292,000 lb space shuttle. :happy With my prior tow vehicle and my current trailer the remaining payload capacity of the tow vehicle, after trailer t...
by KineticSync
Tue Sep 10, 2019 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Right questions to ask before joining a start up?
Replies: 16
Views: 1491

Re: Right questions to ask before joining a start up?

Really check out the dilution paths, esp. if your startup is VC funded. Google "full ratchet" and "down round". You can dedicate 4 years of your life to this thing, get out a successful product, and end up with squat because of a minor technical glitch that you resolved through heroic effort 2 years...
by KineticSync
Wed Jul 10, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 130
Views: 10966

Re: Buying a Smoker

The smokenator add on for the Weber 22" works really well at holding low temps for long periods--no problem holding 225 for 4 hours for ribs, for example. It uses airflow constraint and a water evaporation deal to damp down temp swings. It's a slippery slope. I have an 18" Weber portable that we tra...
by KineticSync
Tue Jul 02, 2019 9:38 am
Forum: Personal Investments
Topic: Semi-Early Retirees: 401K to Roth IRA Conversions (Should I or Shouldn't I?)
Replies: 29
Views: 3935

Re: Semi-Early Retirees: 401K to Roth IRA Conversions (Should I or Shouldn't I?)

We're a few years out but I've been running some numbers. Three big considerations for us are: 1) RMD plus tax table whammy when one of us passes. It's pretty brutal and even worse if more retirement funds have to be withdrawn for a large medical expense or some other expense. 2) Roth (IRA) protecti...
by KineticSync
Tue Jan 15, 2019 11:42 am
Forum: Personal Investments
Topic: Biggest Investment Mistake
Replies: 248
Views: 24402

Re: Biggest Investment Mistake

An unhealthy affinity for tech startups. Last one was the best job of my life, but I was 52 and had negative net worth at the end of it. Have 500,000 shares of birdcage liner as a parting gift. We all hear about the Bills and Steves and Megs, but we don't hear much about the other 98% of us. I thoug...