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flyingcows

Those are all lifted cars (CUV) with a few extra inches of ground clearance with compromised handling, I wouldn't call them SUVs. Also the features you listed are not exclusive to Luxury cars, they are available in most mainstream vehicles. I'd also ask why you want to spend 40k on any of those opti...

flyingcows

Thank you all, I have been unsuccessful in getting authoritative answers to how the contributions work. Based on conversations with co-workers and the HR staff, this was my understanding, but to be honest none of them (HR rep included) were really certain either. I will follow-up with HR to get more...

flyingcows

Hi Bogleheads, Backstory: I switched to a new employer in Nov of 2019, during this time I selected benefits including my pre-tax deductions like annual HSA contributions. I have a family so I selected the IRS max amount of $7,000/year. Health insurance and HSA was setup for me in December, but paych...

flyingcows

Hi Bogleheads, I trying to determine if I am eligible to make 2019 Roth IRA contributions. My situation is pretty simple, I worked 2 different W2 jobs (1 at a time, took a break in between) this year and made some dividend income from my taxable account. No other income sources. Married Filing Joint...

flyingcows

As others have already mentioned, you absolutely want to include ethernet wiring (Cat 6) during construction. Even if you only used wireless devices, this will give a vastly superior wireless network vs a mesh system because the backhaul for your access points will be wired. And you also have more o...

flyingcows

Software development, my role is more focused on technical leadership but I still do some real work from time to time. TC is a bit over 250k plus some great benefits, I also live in a part of the country in which a nice house in a good public school district can be had for 300k. There seems to be no...

flyingcows

Are you an owner of the company or are you an employee yourself? If the later, I wouldn't give gifts and instead suggest that you ask your staff if they would be interested in a group outing during work hours.

flyingcows

I will not invest in the EuroPacific Growth fund in the 401k. I have nothing against the fund itself, but if you are going to do the backdoor Roth, and your allocation to international equities is 30% or less, I think you can achieve that by using your backdoor Roth IRA as the repository for intern...

flyingcows

First concern I have is why would you roll an existing IRA into an employer's 401k plan? You said you wanted to have as much ERISA exposure as possible. But do you understand what ERISA actually provides to you as a plan participant? ERISA requires plans to provide participants with plan informatio...

flyingcows

Hi everyone, I have Rollover IRA held with Fidelity, current market value of 500k. My new employer permits reverse rollovers into their 401k with Capital Group/American Funds. I am not sure how long I will remain with this employer, perhaps 3-5 years before I want to move on to something else, but I...

flyingcows

I switched to a new employer and will have a 1 month gap between my old employer plan and the new employer plan. I received the COBRA forms, cost per month is $1,600 for our family of 4. Estimated total income for 2019 will be $225,000 so my penalty for not being insured is $5,625 (2.5%) per year or...

flyingcows

Hi all, My employer provides a 401k but due to HCE limits I am only allowed to contribute 6%. I also have recently started a side gig which will pay about 20k a year through 1099. The side gig has no costs, it's software work, so my understanding is that I could consider 100% of the earnings as net ...

flyingcows

My new employer also provides the option to contribute to both a pre-tax 401k and/or a Roth 401k. However, my understanding was that the 19k contribution limit applies in aggregate across all 401k accounts. So if you are maxing your pre-tax 401k contributions, you can't contribute to the Roth 401k....

flyingcows

My new employer also provides the option to contribute to both a pre-tax 401k and/or a Roth 401k. However, my understanding was that the 19k contribution limit applies in aggregate across all 401k accounts. So if you are maxing your pre-tax 401k contributions, you can't contribute to the Roth 401k. ...

flyingcows

As others have mentioned, my experience has been that recruiters are happy to provide this information, or even dig for requested details. I never disclose any details about my current or previous compensation, so whenever I am asked for a "target" I then turn the question around to them to determin...

flyingcows

Hi Bogleheads! The scenario: I am starting a new job next month, with my health plan selection I will have access to an HSA for the first time. Additionally, my previous employer limited my 401k contributions to 6% as I was classified under HCE restrictions, I will not have this restriction at my ne...

flyingcows

Just wanted to add that pre-sales and post-sales technical consultants/customer engineers/solution architects also tend to be well compensated. I was a software developer for most of my career and transitioned into a hands on (building stuff) consultant. Something to consider for those who want to w...

flyingcows

The numbers in the article seem very low, but I'm not familiar with the compensation tiers at Microsoft. You could get 250k offers from many Bay Area companies, expect FANG to be quite a bit higher than that. Base salary might cap out near 200k, but can go much higher with RSU. With FANG your compe...

flyingcows

The numbers in the article seem very low, but I'm not familiar with the compensation tiers at Microsoft. You could get 250k offers from many Bay Area companies, expect FANG to be quite a bit higher than that. Base salary might cap out near 200k, but can go much higher with RSU. With FANG your compen...

flyingcows

We funnel 100% of our spending through the Citi 2% cash rewards credit card, have the Amazon Visa as a backup card that we only use for international travel (no foreign transaction fees) + Amazon/WF purchases.

flyingcows

We have had an Ooma at home for home phone service for the past 8 years, the service is free and uses your internet connection, you just pay a few dollars per month in tax for the phone number. It also requires a one time purchase for the box which costs ~$60

flyingcows

If you are comfortable with the added risk, you can have the best of both worlds buy purchasing a "fully deprecated" older semi-fun car that doesn't have a big following. For example, consider the lower performance trims of the 10-12 year old E90 BMW (LCI), the engines in the 328s are naturally aspi...

flyingcows

In my case, due to the size of our house, the construction materials used in our floors/walls, brick exterior (I wanted good coverage in backyard), and our maze of a basement (my office is in the basement), a wireless backhaul solution was not ideal. I'm a bit of a nerd, so admittedly I'm a bit more...

flyingcows

For what it's worth, as I'm late to the party here, I'm not a network guy either, but after a bit of a journey I'm finally super impressed with the network in our home. The key for me was wired backhaul, the problem I had with wireless backhaul is that despite it being "good" most of the time, it wa...

flyingcows

As an employee, I think it's wise to interview with other companies at least once a year to help you assess your market value. Every industry is different, I can only speak for mine...In the US, total compensation for software development roles have increased 100-200% in the past 10 years. Depending...

flyingcows

I've been using Schwab Bank "High Yield Investor Checking" as my primary banking solution for the past 10 years. I also hold my taxable and roths accounts with Schwab. As an added bonus, their customer service has always been really good. Aside from Schwab, I also have an account with Bank of Americ...

flyingcows

135k TC in the bay area is a pittance for software development (assuming that's your field based on your username), you could make that in parts of the US with very low cost of living. Even a 40% step up from that, 189k, is still low, is that the only other option you have explored? A churn and burn...

flyingcows

Why not a tankless water heater? We had a Rinnai tankless installed 5 years ago and it's been great, infinite hot water. How does the upfront cost of tankless compare? We had a 50gal tank that needed to be replaced, quoted price was about $1200. Our tankless was $2,800 installed, or $2,500 after ac...

flyingcows

Why not a tankless water heater? We had a Rinnai tankless installed 5 years ago and it's been great, infinite hot water.

flyingcows

- Tires (Michelin)
- Mac Laptops
- PC components and accessories. No specific brand recommendations, I just avoid budget tier items for these categories: Case, Fans, Power Supply, Mechanical Keyboards, Displays
- Tire Pressure Gauges
- Vinyl wrap (3M)
- Window Tint Film

flyingcows

I own an F10, a 2014 550i MSport that I purchased used 2 years ago for 27k, first owner was a lessee, as the majority will be, 60-70% deprecation from MSRP over the first 3 years seemed common depending on options. it is a big boat of a car but handles ok for what it is, I only wanted to own 1 car a...

flyingcows

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flyingcows

I'm curious why you are you using physical media in the first place. Why wouldn't you just use a cloud vendor such as Google Drive for all of your storage needs?

flyingcows

Interesting, we funnel the majority of our annual expenses through a single 2% cash rewards credit card, about 80k a year. I didn't think we were leaving much, if any money on the table by only holding the 2% rewards card. I guess I have some reading to do

flyingcows

Why not just run your workloads on AWS? https://aws.amazon.com/

That frees you to get a highly portable laptop instead of a massive brick

flyingcows

My car is a 2001 BMW 525, I replaced the factory CD/Radio with an aftermarket Sony with Carplay/Android Auto. My primary motivation was that I just wanted bluetooth functionality, but this one was not that much more expensive and the Carplay functionality is really useful. It doesn't have a CD playe...

flyingcows

Not sure what the options are on off the shelf options like Orbi, however I do know that you could reflash one of these devices with an open source firmware project like OpenWrt to give the ability to configure VLANs https://openwrt.org/about To accomplish something like this: https://www.routersecu...

flyingcows

Wow 4 is alot for a house especially the Pro model. I have 4 APs (two per floor), but I'm using the smaller Ubiquiti in wall APs as I don't like the UFO ones on the walls and it's too much trouble to mount on the ceilings. The in wall units are pretty sleek imho. https://www.ple.com.au//imagelibrar...

flyingcows

We use 4 Ubiquiti AC Pro access points all connected to a router via cat5e cable. Prior to adding the cat5e cable in our home, I was using MoCa bridges to link the access points as we don't use the Coax for anything. Due to the shape/size/building materials of our home, wireless backhaul wasn't real...

flyingcows

Really appreciate the comments nedsaid, gives me something to consider. I do think I should start moving towards the conservative side, my investments were tiny in 2008 compared to today. I also just like the idea of having a shorter term goal like paying off the house to help keep me focused and mo...

flyingcows

Thank you for the feedback everyone, some good points to consider. I did some reading on the Roth Conversion and pro-rata rule. Unfortunately I learned that my current employer does not support a reverse rollover of my IRA, but perhaps my next employer will, something I will keep in mind for the fut...

flyingcows

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