Search found 185 matches

by rj342
Tue Jun 18, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 21
Views: 1034

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

I would second the motion of staying put in ATL and visiting more -- since ATL is a major hub flights to LAX and maybe even John Wayne in OC are nonstop. Related to winter darkness in the NW. Just came back from vacation 2wks in Alaska. Very large number of workers we encountered only up there in su...
by rj342
Mon Jun 17, 2019 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: With hindsight, what signs indicated you were about to lose your job?
Replies: 111
Views: 8818

Re: With hindsight, what signs indicated you were about to lose your job?

If the business is going to collapse, IMO leaving sooner is often better. The severance packages are usually the best earlier on, and odds are, you may end up becoming quite miserable riding a company into the ground (did that once, never again). The lucky ones get out earlier. Taking a pay cut to ...
by rj342
Mon Jun 17, 2019 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: With hindsight, what signs indicated you were about to lose your job?
Replies: 111
Views: 8818

Re: With hindsight, what signs indicated you were about to lose your job?

ImUrHuckleberry wrote:
Sun Jun 16, 2019 10:54 am
I found my name on an Excel spreadsheet named, "layoff list" that somebody thought was a good idea to save on the company shared drive. (Actually, my co-worker found it and sent it to everybody.)
Did doing that get his name added to he list? :shock:
by rj342
Sun Jun 16, 2019 3:38 pm
Forum: Personal Consumer Issues
Topic: Best source for buying Gold Coins
Replies: 55
Views: 3844

Re: Best source for buying Gold Coins

Buy them gold chains they can wear! A gold coin will sit in a safe or a drawer and maybe...just maybe...it will be worth more than you paid for it...some day. Its a doomsday asset that I'm not sure will ever pay off. But....if you think it could...buy it in the form of jewelry and at least they can...
by rj342
Wed Jun 12, 2019 2:23 am
Forum: Personal Finance (Not Investing)
Topic: Which Engineering Discipline for the next 20+ years !!!
Replies: 155
Views: 16016

Re: Which Engineering Discipline for the next 20+ years !!!

Whatever career path you choose, you MUST have some Business / Financial knowledge to succeed. As an engineering leader you will need to manage projects and people. These require budgets and planning. Capable communications with your management and your customers. The career path for an entry level...
by rj342
Tue Jun 11, 2019 7:50 pm
Forum: Investing - Theory, News & General
Topic: Anyone buying Beyond Meat stock?
Replies: 35
Views: 2773

Re: Anyone buying Beyond Meat stock?

Soy = bad for men due to significant phytoestrogens.
If you want to reduce animal suffering and the environmental of posturing cattle, then tissue cultured beef grown in vitro with the much better omega 3 to omega 6 ratio of grass fed beef would be the way to go.
by rj342
Sun Jun 09, 2019 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Which Engineering Discipline for the next 20+ years !!!
Replies: 155
Views: 16016

Re: Which Engineering Discipline for the next 20+ years !!!

Re terminology, at least in a college context: Just be aware that Computer Engineering is more focused on deloping the computer hardware and very low level programming. Computer Science focuses on the underlying software concepts, then their applications, such as AI, data engineering, encryption and...
by rj342
Sun Jun 09, 2019 11:17 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 17502

Re: Are You Dumping Netflix?

1. I have Prime for shipping plus a lot of video.. and yes occasionally use it to rent or purchase video. 2. Option I think a lot of people are overlooking is now it is trivial with Netflix, or HBO (as bought thru Prime), and with no contracts, there is no need to have it year round. Add it for a co...
by rj342
Fri Jun 07, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7683

Re: What flagship (even used) item is better than a budget new item?

Re high end used vs new but mediocre... Very pleased with a high miles 2007 Lexus IS 350 I stumbled across ( a co-worker selling) vs same price for a generic used car w half the miles for same $$. Re refurb electronics... I am perhaps too skeptical, but I spent 13 years in electronics manufacturing....
by rj342
Fri Jun 07, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 4874

Re: Gillette Fusion razors

1. Been using Harry's (5 blade) for about a year, after using Fusion a couple years. IMO it is NOT "just as good" as Fusion, but Im willing to take 90% of the performance for half the cost. Recently got a sample Fusion ProGlide in mail and that is the best cartridge shave Ive ever had, period. 2. Wh...
by rj342
Wed May 29, 2019 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 252
Views: 21459

Re: Can I afford this 2.3 million dollar home?

$64k question -- what if wife decides she wants to be home with child while young instead of being raised by a nanny? Lord knows you could afford her doing it by any normal standard -- AND have the nanny around for help too. But would that monster house make giving up her income a somewhat tough dec...
by rj342
Wed May 29, 2019 10:20 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a budget TV
Replies: 22
Views: 1720

Re: Recommendations for a budget TV

You want a 240 "motion rate" - as earlier poster said the 120 MR's fudge it a bit. Have to consider if you want HDR high dynamic range or not for a bit more, although the 240s may all have it now. I'm in the camp that thinks 55 is too big for a kitchen Remember your live sports will almost certainly...
by rj342
Wed May 29, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14873

Re: Fun paid jobs after FIRE

3-20Characters wrote:
Wed May 29, 2019 3:37 pm
As for Mrs. Robinson’s pool boy, well, that ship sailed with the aging process, but it’s an intriguing idea.
Your'e never too old for a sugar mama.
Of course if you're older it means she might be 90. :shock:
by rj342
Wed May 29, 2019 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching jobs
Replies: 79
Views: 4673

Re: Teaching jobs

Agreed with this sentiment. A Master's Degree for teaching is not worth the hassle (and provides little ROI), and provides minimal additional upside for employment of entry level teaching. The best thing to have is certification to teach multiple different courses or subjects, specifically at the h...
by rj342
Wed May 29, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: Any experience with/recommendations for custom PC building sites?
Replies: 13
Views: 806

Re: Any experience with/recommendations for custom PC building sites?

I would add that, except for the most hardcore gamers with $$ who always have to have latest and greatest, updated every 6 months... Don't make the mistake of buying leading edge with the intent it will last a lot longer... instead, if you buy parts a rung or two down from the top you can get 80-90%...
by rj342
Wed May 29, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14873

Re: Fun paid jobs after FIRE

I am interested in the nominally-FI semi-Retired Early path by 59-1/2 (54yo). IOW I won't be able to stop working a 'real' job for a few more years, but I would be willing to work a little longer if I could start working less sooner. We are on the modest side of things financially so SS is key (even...
by rj342
Wed May 29, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Teaching jobs
Replies: 79
Views: 4673

Re: Teaching jobs

I appreciate all the great advice and have communicated it to my wife. There were tons of questions asked, so I will do my best to answer: She is certified in middle school, no coaching experience, and had a great relationship with the teacher and district where she did her internship. My wife is n...
by rj342
Wed May 29, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Teaching jobs
Replies: 79
Views: 4673

Re: Teaching jobs

I work in utilities, specifically energy markets. We live in Arkansas, and reside in a growing area that has a high ranking school district. The advice to move, particularly internationally, for what is presumably the secondary income is a bit disconnected from reality. FWIW I did have a friend fro...
by rj342
Wed May 29, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to pay for our kid's college (at all)?
Replies: 234
Views: 14578

Re: Can we afford to pay for our kid's college (at all)?

Prioritize saving for retirement and paying down debt. You goal with college funding should be avoiding private loans. The 4.5% federal rate is not a killer and you can always pay for loans after they graduate if you are in a position to do so! They can get a loan for college, but you can't get one...
by rj342
Wed May 29, 2019 9:23 am
Forum: Personal Investments
Topic: For those of us that can't max contribute
Replies: 74
Views: 6923

Re: For those of us that can't max contribute

Breath of fresh air. I was starting to think I was the only one on the site representing the 90% of Americans who do not/cannot max fund their retirement accounts. Doesn't mean I won't try in the future but with mainly 1 income, it's very difficult. Thank you for your reply. Welcome to apparently t...
by rj342
Tue May 28, 2019 6:35 pm
Forum: Personal Consumer Issues
Topic: Any audiophiles on this forum?
Replies: 58
Views: 4408

Re: Any audiophiles on this forum?

I was on the budget fringes back in the day, late 80s. Rotel amp w discrete electronics, no tubes though. Their belt drive turntable w an upgraded phone cartridge maybe Grado? Creek tuner also discrete. A hacked on mass market CD player w analog out stage modified w beefier caps and other goodies......
by rj342
Tue May 28, 2019 1:54 pm
Forum: Personal Investments
Topic: What else can I do to achieve FIRE?
Replies: 58
Views: 4767

Re: What else can I do to achieve FIRE?

Rental properties. Fast track to FIRE if you’re willing to take on the 2nd job of being a landlord. Which is nontrivial... Picking the right properties is critical. Picking the right tenants is critical. Too $$ demand is lower, too cheap tenant quality is bad. Being ready to have a month or two, or...
by rj342
Tue May 28, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: is A in accelerated better than B in honors for undergrad application.
Replies: 22
Views: 1776

Re: is A in accelerated better than B in honors for undergrad application.

snackdog wrote:
Tue May 28, 2019 10:43 am
Best is to get an A in all courses.
:oops:
by rj342
Tue May 28, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: tankless water heater?
Replies: 37
Views: 3312

Re: tankless water heater?

Adding to my post above -- I only switched to tankless because 20y old electric water heater was needing repair again and it was time to replace it.
The small TCO cost savings does not justify switching out a tank heater w a lot of life left on its own as a pure $$ decision.
by rj342
Tue May 28, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: One Specific SS Question
Replies: 15
Views: 1295

Re: One Specific SS Question

I think you have it right. Mike Piper has a small book or Kindle book which covers the subject since the law changed a couple years ago. You can also search here for Mike Piper or Oblivious Investor for his comments on the subject. Social Security Made Simple: Social Security Retirement Benefits an...
by rj342
Tue May 28, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Alternatives to Facebook for small organizations
Replies: 2
Views: 191

Re: Alternatives to Facebook for small organizations

Look at WordPress and Blogspot (this one part of google) for a minimal effort ability to post updates, free.
For a bit more freeform designs (using templates) look at Wix (not free but has some pretty cheap plans IIRC).
by rj342
Mon May 27, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: Using blacklight for cleaning
Replies: 13
Views: 1406

Re: Using blacklight for cleaning

I used a black light during a period when I had a cat who had serious "hygiene" issues. Only way to find where on the carpet she had peed. Well, that or get down on all fours and run your nose through the carpet pile. We have used a black light for this. The black light works best when the room is ...
by rj342
Mon May 27, 2019 5:16 pm
Forum: Personal Consumer Issues
Topic: Using blacklight for cleaning
Replies: 13
Views: 1406

Re: Using blacklight for cleaning

cheese_breath wrote:
Mon May 27, 2019 12:13 pm
mariezzz wrote:
Mon May 27, 2019 12:09 pm
Depends on how OCD you are. Seems excessive to me.
Unless you're trying to get rid of the evidence. :D
But the bleach itself can be circumstantial evidence. At least thats what those CSI type shows say.
by rj342
Mon May 27, 2019 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Elderly Parent's Home In Need of Major Repairs
Replies: 44
Views: 3831

Re: Elderly Parent's Home In Need of Major Repairs

Different situation, but with my dad we ended up all having to Just Say No, and pull back. He was incredibly stubborn and making very bad choices, but still had his wits so could not get declared incompetent. There was no money for greedy children to fight over, rather he was in a dysfunctional, det...
by rj342
Mon May 27, 2019 4:58 pm
Forum: Personal Consumer Issues
Topic: Tracking down a wasp nest
Replies: 20
Views: 1818

Re: Tracking down a wasp nest

I just had the outside of my house sprayed for bugs (paid $140 and they spent 20 minutes :shock: ) but now I have wasps lingering around my front door area and flying up around the roof. I can't pinpoint where they're coming from as my roof has a lot of crevices that are tough to see from the groun...
by rj342
Mon May 27, 2019 4:37 pm
Forum: Investing - Theory, News & General
Topic: How to retire early by targeting a low/zero balance at the end of life?
Replies: 48
Views: 5280

Re: How to retire early by targeting a low/zero balance at the end of life?

Turbo29 wrote:
Sat May 25, 2019 9:24 pm
Too bad that one couldn't will their debts to someone else.
Thank God my father who passed in 2017 couldn't! He left a mess as it was.
by rj342
Mon May 27, 2019 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: American Express green card
Replies: 18
Views: 1475

Re: American Express green card

As a third option, perhaps the Gold Card, even with the $250 annual fee, is more up your alley? I expect you have an upgrade offer available as well. I don't value the credits very much, but some people use them each month anyway and do value them and the airline credit a lot as well as the 4X poin...
by rj342
Mon May 27, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: American Express green card
Replies: 18
Views: 1475

Re: American Express green card

SO are you saying closing has no impact on FICO, at least if similar level of activity shows up somewhere else?
by rj342
Mon May 27, 2019 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: American Express green card
Replies: 18
Views: 1475

Re: American Express green card

The Green cars is allegedly getting a refresh sometime soon since it is woefully outmatched in the market right now. You can see the rumored updates here: https://www.doctorofcredit.com/rumor-american-express-to-refresh-green-card-4x-on-gas-3x-on-streaming-more/ If you value those changes, then may...
by rj342
Mon May 27, 2019 4:07 pm
Forum: Personal Consumer Issues
Topic: Retirement home property - select good, better, best?
Replies: 27
Views: 3012

Re: Retirement home location, good, better, best

In CONUS, Florida Panhandle, far cheaper than south FL, beaches as nice or nicer than much of south FL. Less Third World feel, fewer of the more obnoxious Yankee ex-pats (no offense). No/minimal offense taken at the obnoxious Yankee ex-pats (I can own that) but the "Less Third World feel" is rather...
by rj342
Mon May 27, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: American Express green card
Replies: 18
Views: 1475

American Express green card

I have had the thing forever, and yes it has a fee, and yes fee has increased over time. OTOH I put enough through it every month the rewards points more than make up for the fee, even though I don't have any business travel expenses to run through it. I know it sounds dumb, but its been an importan...
by rj342
Mon May 27, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: tankless water heater?
Replies: 37
Views: 3312

Re: tankless water heater?

Bought a gas tankless 9 years ago when Energy Star credits in place (although I think gas co played price games to captures some of it) It replaced an electric heater that came w house (built in 1990). We tried the timer thing w water heater but it didnt help much w cost and was a nuisance in lack o...
by rj342
Mon May 27, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: Thoughts on buying cars?
Replies: 12
Views: 1879

Re: Thoughts on buying cars?

Agree with the point about used cars that depreciate too slowly. Sure its because they're good cars, but the market dynamics can still overprice wrt new (of same make model) them versus a purely financial view. I have a 20yr old F150, still only 153k miles, that I bought new because there was no suc...
by rj342
Mon May 27, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 134
Views: 10324

Re: House not selling

Repaint all walls white. Professionally. But shop around and get a good price from a good painter with glowing reviews. New saleable color really depends on the market. I would say caution about "white", as actual stark white can be too much in its own way. Navajo white, antique white are safely va...
by rj342
Mon May 27, 2019 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 134
Views: 10324

Re: House not selling

Agree with fire the agent ASAP. Taking off the market and putting back on might be a good idea... and possibly do not advertise "NEW LOWER PRICE" when it goes back with the new lower price. Why? Odd counter-intuitive thing -- former boss of mine had very nice house (not quite McMansion) in a very ni...
by rj342
Mon May 27, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching jobs
Replies: 79
Views: 4673

Re: Teaching jobs

In our area at least, it is considered a mistake to only do the formal application through the school districts central office with whatever their bureaucratic whims are. You also take resumes around in person to different schools you are interested in, and try to make an appointment with the princi...
by rj342
Sun May 26, 2019 5:36 pm
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 179
Views: 16617

Re: Are you on Facebook?

I figure if I post no personal information that I'm "safe". But what if it turns out that is not correct? FB actually creates virtual profiles to track people who DON"T even have FB accounts, if they get referenced in FB. Not sure if they scan for info elsewhere as well. Hmmm... How does one check ...
by rj342
Sun May 26, 2019 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer Evaluation - FANG
Replies: 101
Views: 10403

Re: Job Offer Evaluation - FANG

pward wrote:
Sat May 25, 2019 4:33 pm
1) PTO counts as a liability on the companies balance sheet. So by having unlimited PTO it makes their balance sheet look better.
For companies that are very profitable :mrgreen:
by rj342
Sun May 26, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Debt vs Savings
Replies: 47
Views: 4387

Re: Debt vs Savings

I would suggest you look into Dave Ramsey’s program. I think you could greatly benefit from the debt snowball. I agree about relevance of the snowball here. 11% stinks, but that car note is easier to kill and free up cash flow. Other question is if all that CC debt is on a single card? I across mor...
by rj342
Sun May 26, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 179
Views: 16617

Re: Are you on Facebook?

retiredjg wrote:
Sat Aug 13, 2016 7:55 pm
I figure if I post no personal information that I'm "safe". But what if it turns out that is not correct?
FB actually creates virtual profiles to track people who DON"T even have FB accounts, if they get referenced in FB. Not sure if they scan for info elsewhere as well.
by rj342
Sun May 26, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 179
Views: 16617

Re: Are you on Facebook?

I created a Facebook account way back when, when it first blew up in the general public. More out of self defense if anything -- yes it gives a way for friends from the past and relatives to find me -- but it also makes it much harder for anyone else to pretend to be me. Even w people I've friended,...
by rj342
Sun May 26, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Window replacement - any advice? Lessons learned?
Replies: 63
Views: 12610

Re: Window replacement - any advice? Lessons learned?

I will check that website. I am skeptical about cost benefit of the gas filled windows even when they are working as well as have doubts about how long before the gas leaks.
by rj342
Sun May 26, 2019 2:34 pm
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 65
Views: 12898

Re: Home Air Filters

In the 90s I used a couple Allergy Free brand washable electrostatic air filters. Finally gave up on them due to difficulty cleaning. Been using the 1" MERV 6 disposable filters, which gets more dust and pollen than fiberglass ones, but is the minimum airflow restriction for that type. The ultra all...
by rj342
Sun May 26, 2019 2:25 pm
Forum: Personal Consumer Issues
Topic: Extended auto warranty - who to buy from, if you want to
Replies: 40
Views: 2084

Re: Extended auto warranty - who to buy from, if you want to

It *may* be worth it if you keep the car a !ong time and put low enough miles on it that the wty time expires before hitting mileage limit.. Say you hit the 8yrs before the 100k miles. I would only consider one from the manufacturer. Not the dealership, not the dealership parent group and certainly ...
by rj342
Sat May 25, 2019 1:12 pm
Forum: Investing - Theory, News & General
Topic: How to retire early by targeting a low/zero balance at the end of life?
Replies: 48
Views: 5280

Re: How to retire early by targeting a low/zero balance at the end of life?

I do like some of the philosophy in Die Broke, about using your more of your wealth to make a difference, assuming you have a family, while you are alive, in ways that will help but not spoil them. Of course pulling that off - depending how much you have and your own security until death - is the ha...