Search found 49 matches

by Shael_AT
Wed Sep 02, 2020 2:25 pm
Forum: Investing - Theory, News & General
Topic: Ark Funds
Replies: 60
Views: 6035

Re: Ark Funds

Have $1000 invested in each of the ARK funds ($5000 total) , about 3 years ago (1 year ago for the newer funds). It was fun money. That fun money got serious since then. :sharebeer I am in the Information Security and AI/ML space, and I think they are onto something here. Big fan of Internet Next Ge...
by Shael_AT
Wed Aug 19, 2020 7:37 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving Seattle or Vancouver, WA
Replies: 88
Views: 6364

Re: Thinking of moving Seattle or Vancouver, WA

Lived in the Seattle Metro Area for 15 years. I travel extensively for work and have found over 10 years of doing so that I would truly rather be nowhere else. Some tangible things; Access to amenities, world class healthcare and education, vibrate economy, clean air, clean water, progressive socia...
by Shael_AT
Wed Aug 19, 2020 6:40 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving Seattle or Vancouver, WA
Replies: 88
Views: 6364

Re: Thinking of moving Seattle or Vancouver, WA

Lived in the Seattle Metro Area for 15 years. I travel extensively for work and have found over 10 years of doing so that I would truly rather be nowhere else. Some tangible things; Access to amenities, world class healthcare and education, vibrate economy, clean air, clean water, progressive social...
by Shael_AT
Wed Aug 19, 2020 6:33 pm
Forum: Personal Consumer Issues
Topic: Approach to "News" Consumption
Replies: 82
Views: 4521

Re: Approach to "News" Consumption

I have a chip on my shoulder when people in media try to direct/steer, influence or tell me how or what to think. For that reason, any of the personalities on ABC, NBC, CNBC and especially Fox & CNN are an absolute non starter for me. Being mindful of my own emotions has been a godsend, if someone i...
by Shael_AT
Wed Aug 12, 2020 3:35 pm
Forum: Personal Investments
Topic: Assets going from 600K->15M, should I change my asset allocation?
Replies: 175
Views: 17700

Re: Assets going from 600K->15M, should I change my asset allocation?

[quoted post removed by admin LadyGeek] Half the people in my industry reach these numbers with pre-public companies and options for startups that are ultra-high risk. @OP, 10m is a nice start, but start thinking about 30-50m in your future, as long as you're not dumb about it, even with a passive ...
by Shael_AT
Tue Aug 11, 2020 1:58 pm
Forum: Personal Consumer Issues
Topic: Value of Six/Lean Six Sigma certifications and accrediting bodies.
Replies: 27
Views: 2218

Re: Value of Six/Lean Six Sigma certifications and accrediting bodies.

Experience with Certifications if combined right are gold. But only if they elaborate and enhance your underlying capabilities and aptitudes. It's not about what you look like on paper or how well regarded your acronym's are, it's your impact and output as an individual or group contributor. My best...
by Shael_AT
Mon Jul 20, 2020 12:54 pm
Forum: Investing - Theory, News & General
Topic: Convince me not to sell all my US equities to Cash temporarily
Replies: 135
Views: 11443

Re: Convince me not to sell all my US equities to Cash temporarily

US stocks have rebounded baffles me and US equities seem completely disconnected from the economy.
I'm not sure how serious this sentence is.
by Shael_AT
Tue Jul 14, 2020 7:45 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard partners with Infosys for Defined Contribution recordkeeping]
Replies: 265
Views: 16907

Re: Vanguard laying off 1300 employees as part of outsourcing deal with Infosys

Not a fan of this move. I've been on the workers side of this news article before and I feel very sorry for the people and families who are inevitably going to have reduced pay, reduced benefits and eventually no job at all.
by Shael_AT
Mon Jul 13, 2020 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring from a career in tech
Replies: 104
Views: 10858

Re: Retiring from a career in tech

Well the salary comps depend on if you are at a FAANG, a startup, a contract agency, etc. And I thought the OP's main concern was reducing workload and pressure, not amping up the pay. 100%. I'm in a very similar position as the OP, but work 30 hours per week, while making more, and having less str...
by Shael_AT
Mon Jul 13, 2020 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring from a career in tech
Replies: 104
Views: 10858

Re: Retiring from a career in tech

devops/sysadmin/sre type role, make $160K a year and live in the SF Bay Area. That salary is insulting for living in the bay. My dude. No! Listen. We have Lead people in these roles with 5-15 YOE who make a base salary from 205-235 as a midpoint, let alone bonuses and RSU's. With great WLB and work...
by Shael_AT
Wed Jul 08, 2020 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage balance or dollar cost average into the market?
Replies: 9
Views: 912

Re: Pay off mortgage balance or dollar cost average into the market?

Mortgage balance: $52,000 Man, if I had a mortgage balance of 50k, I would have paid off the house yesterday. There is no greater freedom than having no mortgage or rent. I know the math doesn't make sense, but the peace of mind and bliss of knowing that asset is yours must be in-freaking-credible....
by Shael_AT
Wed Jul 08, 2020 12:20 pm
Forum: Personal Investments
Topic: COVID Portfolio
Replies: 33
Views: 2492

Re: COVID Portfolio

If you time horizon is long and large, i.e. 10-40 years, then the best thing to do is nothing except invest and buy more equities in a balanced, diversified, consistent and tax optimized portfolio early & often, without missing a beat. Active trading is stressful. I dollar cost averaged in through t...
by Shael_AT
Fri Jul 03, 2020 1:05 pm
Forum: Investing - Theory, News & General
Topic: "Are You Questioning Your Foreign Stock Funds?"
Replies: 55
Views: 6192

Re: "Are You Questioning Your Foreign Stock Funds?"

Much of my family is outside of the US and I consider them to be "Investor Class, Upper-Middle Class" people. This is across the EU, non-EU and parts of Oceania. Without skipping a beat, the common investment breakdown for them is always 50-70 percent US Total Market or US S&P 500, or for a couple, ...
by Shael_AT
Thu Jul 02, 2020 11:56 am
Forum: Personal Investments
Topic: Significantly Decrease 401k contributions?
Replies: 17
Views: 1887

Re: Significantly Decrease 401k contributions?

His 401k FXAIX Fidelity 500 Index Fund - Institutional Premium - 57% - ER: .015% FSMDX Fidelity Mid Cap Index Fund - Institutional Premium - 7% - ER: .025% FSSNX Fidelity Small Cap Index Fund - Institutional Premium - 6% - ER: .025% FSPSX Fidelity International Index Fund - Institutional Premium - ...
by Shael_AT
Wed Jul 01, 2020 2:51 pm
Forum: Investing - Theory, News & General
Topic: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?
Replies: 358
Views: 19586

Re: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?

I came across this interesting article on EU stocks. https://www.aqr.com/Insights/Research/Macro-Wrap-Up/Its-Not-Me-Its-EU Complicated stuff though. My mentor Ray Dalio is very strong in macroeconomic thinking (as in everything else); I tend to go for individual stocks analysis. But concerning the ...
by Shael_AT
Wed Jul 01, 2020 2:32 pm
Forum: Investing - Theory, News & General
Topic: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?
Replies: 358
Views: 19586

Re: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?

There is something to be said about investments from now to 2050 and 2100. We have demographic trends in many places which indicate massive labor and consumer spending predictions in key areas. Rising populations with surging 0-8, 8-13, 13-18, 18-25 demographics are going to be tomorrows innovation ...
by Shael_AT
Mon Jun 15, 2020 9:36 pm
Forum: Investing - Theory, News & General
Topic: Why Dollar Cost Averaging (DCA) is a mental accounting bias and should never be used [vs. lump sum]
Replies: 760
Views: 34846

Re: Why Dollar Cost Averaging (DCA) is a mental accounting bias and should never be used [vs. lump sum]

Chiming in with my 2 cents... I get paid every 2 weeks. Every time I get paid, I put money into 401k, roth ira, hsa, and taxable. It's all automated. It's incredible how little I think about money, yet how much of it I have. I'm 100% sure that automating it in cycle with my paystubs over the last 10...
by Shael_AT
Thu Jun 11, 2020 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank savings interest rate dropping from 1.25% to 1.10%
Replies: 81
Views: 8906

Re: Ally Bank savings interest rate dropping from 1.25% to 1.10%

Rates are going to hold at 0% or near 0% through 2022.

I suspect rates for savings accts will react with a 4-6 week per reporting lag time and trend downwards.
by Shael_AT
Tue Jun 09, 2020 2:57 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey mentioned bogleheads today
Replies: 142
Views: 10112

Re: Dave Ramsey mentioned bogleheads today

DR Podcast is some good personal finance casual listening. I can't stand, though, the people who say "Because Dave Says So" as their basis for reality. [Off topic comment removed by admin alex] Glad to see so many people who budget and get out of debt as a result, but it feels like we have a critica...
by Shael_AT
Mon Jun 08, 2020 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7515
Views: 515205

Re: Refinance Mega Thread

UPDATE Locked in and going through closing and escrow stuff. Appraisal when we purchased 1 year ago (as of next week): 800 Appraisal when we locked in: 900 (no appraiser needed, I told Chase I think its 900, they agree'd, looks like Redfin and Zillow estimating 860-875 werent far off, the most gener...
by Shael_AT
Thu Jun 04, 2020 2:56 pm
Forum: Personal Investments
Topic: Where do I go from here?
Replies: 43
Views: 3429

Re: Where do I go from here?

We have familiar situations, and I understand the need for a tangible goal / deliverable as well. May I suggest creating success and celebration milestones? For example: -Net worth plus mortgage outstanding balance = 0 -Net worth excluding mortgage balance = 1million -Mortgage pay off at certain %'s...
by Shael_AT
Thu Jun 04, 2020 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7515
Views: 515205

Re: Refinance Mega Thread

Chase contacted me informing me that my 1 year old loan, a 30 year fixed rate at 4.25%, 820600 purchase 656000 original loan, may be eligible for a refinance. No closing (lender credit covers 3k closing), no points, I can go down to 3.49%, if I pay points, as low as 3.125 but that will cost ~7k. Ou...
by Shael_AT
Wed Jun 03, 2020 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7515
Views: 515205

Re: Refinance Mega Thread

Chase contacted me informing me that my 1 year old loan, a 30 year fixed rate at 4.25%, 820600 purchase 656000 original loan, may be eligible for a refinance. No closing (lender credit covers 3k closing), no points, I can go down to 3.49%, if I pay points, as low as 3.125 but that will cost ~7k. Our...
by Shael_AT
Tue May 26, 2020 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Simple jobs during FATFire?
Replies: 152
Views: 10659

Re: Simple jobs during FATFire?

If you are in tech and looking to scale down to PT work, it will take some networking but you can easily get a groove going. The insurance won't be incredible but you won't be left footing a 500k bill for a surgery. 1. Go to a tech vendor or outsource company and perform 1-3-6 month contract work, r...
by Shael_AT
Tue May 26, 2020 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another "can I afford this house"?
Replies: 12
Views: 1541

Re: Yet another "can I afford this house"?

You remind me of one of my family members. He's late 30's, income is a stable 500k-850k (exec-level tech with industry wide reputation, at > 2 companies at this level, head hunted into both, thus stabilities), 1.something million in cash and 2.something million in "taxable and tax-exempt accounts". ...
by Shael_AT
Wed May 20, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: VW and Audi 0% APR - to buy or not?
Replies: 46
Views: 2862

Re: VW and Audi 0% APR - to buy or not?

Oh my, VW is such a beast of a brand. Bought a MK7.5 2018 GTI SE with one of these amazing 0% APR deals, our local VW dealer has a unlimited, lifetime drivetrain warranty and 84 month B2B warranty - as. long. as. you. dont. modify. or. tune. the. car. Needless to say... Some things are worth voiding...
by Shael_AT
Thu May 07, 2020 1:14 pm
Forum: Investing - Theory, News & General
Topic: Mortgage payoff in VTI
Replies: 76
Views: 6357

Re: Mortgage payoff in VTI

If anyone has a paid off house, do you consider getting a new mortgage to invest in market? Posts here imply it may be a good move. Never and I oppose debt. Even "good" debt as they say. I love having tons of free cashflow and I love to invest stacks every month and see the differences. Debt is a m...
by Shael_AT
Mon Apr 27, 2020 1:58 pm
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 43922

Re: Why international?

My portfolio has always been 90 equities and 10 bond, with 70 domestic and 30 international within the 90 equities block. I like to horde this into brokerage VTIAX because of #ForeignTaxCredit. A contribution period doesn't go by where my finger doesn't itch to reduce to 20 international, 80 domesti...
by Shael_AT
Thu Apr 23, 2020 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Afford 800K forever home w/ 600K mortgage?
Replies: 17
Views: 2422

Re: Afford 800K forever home w/ 600K mortgage?

Similar income, home price, down payment and HCOL situation. Totally worth it. We have a very naturally outdoorsy, garden oriented and home oriented lifestyle and therefore still stack away a lot of dollars per month. My wife is going back to work soon and that will be an extra ~2000-2300 per month ...
by Shael_AT
Fri Apr 03, 2020 2:08 pm
Forum: Personal Investments
Topic: What Individual stocks are you buying?
Replies: 147
Views: 12370

Re: What Individual stocks are you buying?

5% of my portfolio is individual stocks that I am confident in due to my industry.

$MSFT , "Microsoft? More like MACRO. HARD."

Will be fun to see how my boi' Nutella performs 2020-2024
by Shael_AT
Fri Apr 03, 2020 2:06 pm
Forum: Personal Investments
Topic: Share what worked in your plan during the crisis
Replies: 103
Views: 7240

Re: Share what worked in your plan during the crisis

18 Month Emergency fund (assuming 0 lifestyle change, and 0 unemployment, never touching 401k, roth ira, hsa or brokerage). "Wow that EF is too big you only need 3-6 months" "Why don't you invest 1/2 to 2/3 of that into the market? Think of the gains you are losing!" "Come on dumb dumb, take 12 of t...
by Shael_AT
Thu Mar 26, 2020 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1929
Views: 471515

Re: Share your net worth progression

In increments of 5 years: (I'm 54 now) 1997 $128K 2001 $668K 2006 $1.9M 2011 $4.5M 2016 $7.1M Today $7.9M How did this happen. First and foremost I've always lived way below my means. Live in the same house with wife and that we bought in 1998. At 40 instead of buying that mid life crisis care I pa...
by Shael_AT
Thu Mar 26, 2020 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Need help regarding Refinance - feels like I am being ripped off!
Replies: 28
Views: 1782

Re: Need help regarding Refinance - feels like I am being ripped off!

What is the real savings per month after refi?

Does that $ amount over 12 months = or > closing cost?

If yes, continue

If no, re-asses, with criteria such as "will I be in this house >3 years? do I intend to pay it off? other rationalizations, etc"

Good luck
by Shael_AT
Tue Mar 24, 2020 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: What have you learned from this situation that you will take action on?
Replies: 158
Views: 14997

Re: What have you learned from this situation that you will take action on?

1. The same people who ridiculed me for having an 18 month emergency fund seem to be the ones who are asking for money 1 week after being out of work. I've learned that 18-24 months is reasonable for me, and helps me sleep at night. 2. Some of the wealthiest people I know are really panicked, and it...
by Shael_AT
Tue Mar 17, 2020 5:10 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 55966

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

Information Security, Operations.

Working from home 5/5 days, whereas before, it was 2 or 3/5 days of the week.

Nothing unusual here. Same old same old. Plenty of work to do and no signs that we are slowing down spending or hiring in the slightest. :sharebeer
by Shael_AT
Mon Mar 16, 2020 5:33 pm
Forum: Investing - Theory, News & General
Topic: Where My 100% Equities Peeps At?!?
Replies: 211
Views: 21476

Re: Where My 100% Equities Peeps At?!?

My 401k and HSA had their automatic deposits done today, as well as my weekly 70/30 VTSAX/VTIAX mix in my brokerage account.

I'm 28. Ride or Die time :twisted:
by Shael_AT
Thu Mar 12, 2020 3:31 pm
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 519
Views: 48040

Re: The Calm Post - Stay the course thread.

Pretty wild times we're living in. My 401k is steady, HSA is steady, Monthly Roth IRA contributions also steady. Have been and will continue to max these out to legal limit, we are making no changes to this and I need to resist the urge to up my % contribution amounts more than anything else. "When ...
by Shael_AT
Tue Feb 25, 2020 1:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20319
Views: 2778086

Re: U.S. stocks in free fall

.... Here I am, automatically investing $774 dollars into my brokerage on Monday, like I do every monday, and investing in my 401k 2x a month, maxed annually, and my Roth IRA is maxed out the second it's available.

...

With no change since 2011.

Like a maniac.
by Shael_AT
Mon Jan 27, 2020 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Torn Between Aggressive Home Payoff or Investing
Replies: 67
Views: 7025

Re: Torn Between Aggressive Home Payoff or Investing

This is an incredible level of engagement, discussion and feedback that I did not expect. Thank you everyone for your kind words and for sharing your experiences and wisdom. Took the weekend to reflect, think and decide what our go forward strategy is going to be. Ultimately, we resonated with peopl...
by Shael_AT
Fri Jan 24, 2020 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: I am not very good at my job
Replies: 48
Views: 8068

Re: I am not very good at my job

Hey, I’m one of the people who’s senior and working in this giant tech behemoths for the last 6 years. We all feel the same. You are hired and kept for a reason. As you gain more experience your outputs will improve and your confidence will grow. Fake it until you make it. We’re all just people. No ...
by Shael_AT
Fri Jan 24, 2020 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Torn Between Aggressive Home Payoff or Investing
Replies: 67
Views: 7025

Torn Between Aggressive Home Payoff or Investing

Age, 28. Income, ~250-275k total compensation (185k base, 20k minimum cash bonus, rest is in stock). TC for the end of this next year may be a lot higher since company stock (4 years RSU, I am embarking on year 1 payout, stock has more than doubled). Total NW is >500k, mostly in 401k, HSA, Roth IRA ...
by Shael_AT
Wed Jul 17, 2019 1:23 pm
Forum: Personal Investments
Topic: Re-Organizing Investments, Advice?
Replies: 4
Views: 720

Re: Re-Organizing Investments, Advice?

I'm trying to gauge if its worth it to consolidate my accounts to a single login screen? One thing to realize is that when you have multiple accounts with the same company is that they likely have a "right of offset"(Google this) that is buried in the fine print. This means that if there is a probl...
by Shael_AT
Mon Jul 15, 2019 4:03 pm
Forum: Personal Investments
Topic: Would you exchange VTSAX to VTI ??
Replies: 42
Views: 4289

Re: Would you exchange VTSAX to VTI ??

I am satisfied with automated investments into VTSAX versus logging into a web portal once a month, or twice, to commit an order on an ETF since it does not support fractional shares. My time and patience is worth more than the difference in .04 vs .03. Logging in and buying an equity 2x a month, th...
by Shael_AT
Mon Jul 15, 2019 3:56 pm
Forum: Personal Investments
Topic: Phase out EF [Emergency Fund]?
Replies: 111
Views: 6005

Re: Phase out EF [Emergency Fund]?

I've always held an 18-month EF in high interest savings accounts, ever since I started working in 2007. At first, 18 months EF was truly, literally ~12,000 dollars, because #BachlorLife. This sounds excessive, but the psychological trauma from our last recession was close and personal. However, I e...
by Shael_AT
Mon Jul 15, 2019 3:39 pm
Forum: Personal Investments
Topic: Low cost index fund Vs Mortgage
Replies: 18
Views: 1515

Re: Low cost index fund Vs Mortgage

100% agree'd, not saying its a professional "pro" move, but a single use case. I meant pro in the context of "Pros vs Cons". Sorry for the confusion!
by Shael_AT
Mon Jul 15, 2019 3:21 pm
Forum: Personal Investments
Topic: Low cost index fund Vs Mortgage
Replies: 18
Views: 1515

Re: Low cost index fund Vs Mortgage

There is a real, strategic posture you can lock into when paying off mortgage early versus throwing into equities. For example, lets say you pay an extra ~10,000 through 20,000 a year on a 600,000 loan, on top of your current payments. You are in your first 10 years of ownership and the regular paym...
by Shael_AT
Mon Jul 15, 2019 3:07 pm
Forum: Personal Investments
Topic: A Path to FIRE (or Semi-FATFIRE) in 10 Years
Replies: 2
Views: 1159

Re: A Path to FIRE (or Semi-FATFIRE) in 10 Years

We have almost, nearly identical stats. Same # of rental properties and in general total NW. The only difference is we finally landed on our first home for a primary residence, but thats neither here nor there :D I would advise you consider and plan for a 3% or 3.5% rate, versus 4. I know, I know, w...
by Shael_AT
Mon Jul 15, 2019 2:54 pm
Forum: Personal Investments
Topic: Re-Organizing Investments, Advice?
Replies: 4
Views: 720

Re-Organizing Investments, Advice?

Hey everyone, New registered member, long time (since 2011) reader. We've recently made our first time home purchase and the mortgage is through Chase. Car loan was re-financed (bad first car decisions, oh to be young) from 18.99% to 2.95%, with Chase. We already have our credit cards, points and ch...