Search found 68 matches

by interwebopinion
Sat Oct 17, 2020 9:51 am
Forum: Personal Consumer Issues
Topic: Email Someone on Facebook
Replies: 10
Views: 1195

Re: Email Someone on Facebook

You can open up a Facebook account with your real name and avoid giving them additional personal data. If you do input additional data just use the option to keep it private. Their messenger service is very good. Avoid paranoia - there are most likely bigger fish to fry in this huge world. :) FB is...
by interwebopinion
Fri Oct 16, 2020 1:32 pm
Forum: Personal Consumer Issues
Topic: Apple iCloud/Photos Question
Replies: 17
Views: 1033

Re: Apple iCloud/Photos Question

I would splurge on the SSD - it will be faster than an external drive. I have my Photos library on an external drive, and since I have a lot of photos, startup time isn't instantaneous. So if you do a lot of photo processing, the SSD would be important. Each login should go to the appropriate iCloud...
by interwebopinion
Tue Oct 13, 2020 4:26 pm
Forum: Personal Investments
Topic: Advice: What account is best for young millennial?
Replies: 22
Views: 1723

Re: Advice: What account is best for young millennial?

Thanks all. Sounds like Fidelity is a good safe recommendation. This is for her non-retirement savings.

Robinhood the brokerage is like the reverse of Robin Hood the legend, in that they take from the poor (unwashed masses) and give to the rich (HFT traders) :D
by interwebopinion
Mon Oct 12, 2020 8:42 pm
Forum: Personal Investments
Topic: Advice: What account is best for young millennial?
Replies: 22
Views: 1723

Advice: What account is best for young millennial?

I was asked by my niece, a millennial, about opening an account. I've been telling her about the Boglehead philosophy and she seems to be on board. She has about $3k and is now ready to open an account. I normally would recommend Vanguard, but given recent threads about and some prior personal exper...
by interwebopinion
Mon Oct 12, 2020 1:11 am
Forum: Personal Finance (Not Investing)
Topic: PC breach and identity theft nightmare
Replies: 40
Views: 4780

Re: PC breach and identity theft nightmare

What a nightmare. Freezing credit is a good idea as he has access to SSNs. As is switching to 2FA. I'll assume all passwords have been changed already. I would switch to a Mac if you can and decommission the PC - Macs are less susceptible to these kinds of attacks and tend to be easier to use.
by interwebopinion
Fri Oct 09, 2020 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Software developer about to seek new opportunities -- discuss salary up front?
Replies: 128
Views: 8435

Re: Software developer about to seek new opportunities -- discuss salary up front?

I am a software developer with 17+ years of experience and I am looking for new opportunities that are 100% remote (or partial depending on location). For the past 2 years, I have saved every email solicitation from headhunters and company reps that have contacted me on linkedin, etc with job oppor...
by interwebopinion
Tue Oct 06, 2020 2:16 pm
Forum: Personal Consumer Issues
Topic: Apple users, I need help!
Replies: 43
Views: 3772

Re: Apple users, I need help!

NYCaviator wrote: Tue Oct 06, 2020 2:03 pm
Would the battery cause the performance issues? I notice the issues even when the laptop is plugged in. I think something is chewing up resources which is in turn running down the battery (if it’s unplugged)
Yes it did for my 2012 Air.
by interwebopinion
Tue Oct 06, 2020 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Two Job Offers - Please Help!
Replies: 43
Views: 3343

Re: Two Job Offers - Please Help!

hybrid: option #2 and use some of the excess cash to fund your favorite nonprofits Thank you for all of your replies so far! I'll address some of the comments more generally and provide a few more previously omitted details that I now realize may be important. But I'll start with a question that you...
by interwebopinion
Tue Oct 06, 2020 2:11 pm
Forum: Personal Investments
Topic: IPO windfall advice
Replies: 36
Views: 3885

Re: IPO windfall advice

Yes, I didn't know about the 83(b) at the time of joining the company and received all my grants in the first 1yr of being there. At the time I didn't expect much from the value of the shares. This is my first time being in this position wrt options at a startup so I sort of dropped the ball. I am ...
by interwebopinion
Tue Oct 06, 2020 2:08 pm
Forum: Personal Investments
Topic: IPO windfall advice
Replies: 36
Views: 3885

Re: IPO windfall advice

Regarding 83b elections for stock options, two questions: 1 - Can you elect 83b for a portion of the grant? 2 - If they're options, do you have to exercise the option simultaneously with the 83b election? Or are you just pre-paying the tax without having the exercise & hold? You do the early exerci...
by interwebopinion
Tue Oct 06, 2020 1:50 pm
Forum: Personal Investments
Topic: IPO windfall advice
Replies: 36
Views: 3885

Re: IPO windfall advice

When you early exercise options, they turn into restricted shares. Within 30 days, you file the 83(b) on those restricted shares. The exercise is done once, at the very beginning. The shares then vest in chunks over time - technically the restrictions on each chunk expire over time. Yup. I wish the...
by interwebopinion
Tue Oct 06, 2020 1:30 pm
Forum: Personal Consumer Issues
Topic: Apple users, I need help!
Replies: 43
Views: 3772

Re: Apple users, I need help!

No this is not hyperbole. The battery hasn’t been great but that was the fastest it’s ever drained. To the posters above it has 8 GB and 128 SSD with about 20GB of space left. I have two profiles on the computer, one for personal and one for work; this way the two are “sandboxed” and I don’t have t...
by interwebopinion
Tue Oct 06, 2020 1:13 pm
Forum: Personal Investments
Topic: IPO windfall advice
Replies: 36
Views: 3885

Re: IPO windfall advice

2. Chances are they didn't do the 83b otherwise they would already be aware of it. Better to plan on 40%+ tax and be pleasantly surprised if they get to keep more. Don't know what the upper tax rate is currently but i remember some income tiers being as high as 53%. Can't speak for the OP, but doin...
by interwebopinion
Tue Oct 06, 2020 1:15 am
Forum: Personal Investments
Topic: IPO windfall advice
Replies: 36
Views: 3885

Re: IPO windfall advice

2. At a minimum, as soon as lockup is over, sell enough to cover ALL your taxes and enough that no matter what happens you've won the game. For example, if your amount post-tax is $3M then you want to sell $7M asap... expect 40%+ to go to taxes. If OP has done an 83(b) early exercise at time of gra...
by interwebopinion
Tue Oct 06, 2020 1:00 am
Forum: Personal Investments
Topic: IPO windfall advice
Replies: 36
Views: 3885

Re: IPO windfall advice

It's probably too late for an 83(b). It needs to be filed 30 days from grant, and assuming you can early exercise the options, turning them into restricted stock that vests over time. So that train based on OP's info left the station a long time ago. If you haven't been briefed on 83(b) I would do s...
by interwebopinion
Mon Oct 05, 2020 7:18 pm
Forum: Personal Investments
Topic: IPO windfall advice
Replies: 36
Views: 3885

Re: IPO windfall advice

Ouch, was that dot-com era? Yes. It's not money until it's sold. The people who kept that in mind did just fine, got new jobs and moved on. The people who didn't think that way and made plans really struggled. It's not money until it's sold. [Edit: and no, it wasn't a pets.com situation. we made a ...
by interwebopinion
Wed Sep 30, 2020 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on college and aid for National Merit Semi Finalist
Replies: 52
Views: 3557

Re: Thoughts on college and aid for National Merit Semi Finalist

Need based aid chances are close to 0. However, many colleges provide scholarships for National Merit scholars. https://www.collegetransitions.com/dataverse/national-merit-scholarships Thoughts on college and aid for National Merit Semi Finalist. Just starting the college search process for my elder...
by interwebopinion
Mon Sep 28, 2020 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: The College Admissions Game
Replies: 48
Views: 4328

Re: The College Admissions Game

My thinking about admissions is that if one has SAT scores that are 1450 or above, a 4.5 GPA with honors classes, 4's and 5's on AP exams AND you can write a check for the full cost (in-state public in our case), do the letters of recommendation, or essays really count for much? Or do these come in...
by interwebopinion
Mon Sep 28, 2020 1:37 pm
Forum: Personal Consumer Issues
Topic: How to approach kid’s middle school / high school / college decisions?
Replies: 68
Views: 6083

Re: How to approach kid’s middle school / high school / college decisions?

Data consistently supports the view that it's not the school but the student. There's much to recommend your view. The only caveat is that in fields that are more subjective than STEM fields, a top college can serve as a platform to making connections and possibly getting that first big break into a...
by interwebopinion
Mon Sep 28, 2020 1:31 pm
Forum: Personal Consumer Issues
Topic: How to approach kid’s middle school / high school / college decisions?
Replies: 68
Views: 6083

Re: How to approach kid’s middle school / high school / college decisions?

For 2 - For college admissions, one significant factor is the student's GPA relative to their peers. This means it's significantly tougher for a kid in a top school in say Cupertino vs. the same kid in say Hayward to make it to Cal. We know of kids in Cupertino who would be classified as bright bas...
by interwebopinion
Mon Sep 28, 2020 1:22 pm
Forum: Personal Consumer Issues
Topic: How to approach kid’s middle school / high school / college decisions?
Replies: 68
Views: 6083

Re: How to approach kid’s middle school / high school / college decisions?

I think the problem with admissions is that fewer and fewer HS's do class rank each year. Apparently grade inflation gets a bit worse each year and now many schools are moving away from SAT/ ACT...quite difficult to determine how AOs make their decision... From what I hear, AO's simply rank GPAs fr...
by interwebopinion
Sat Sep 26, 2020 7:02 pm
Forum: Personal Consumer Issues
Topic: How to approach kid’s middle school / high school / college decisions?
Replies: 68
Views: 6083

Re: How to approach kid’s middle school / high school / college decisions?

Charley - there are two questions here that I see: 1) What's the best school environment so the kids flourish? 2) What's the best school for optimizing college admissions? For 1 - data shows much of a student's performance is correlated to family involvement. If they are on the bright side, they wil...
by interwebopinion
Fri Sep 25, 2020 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: How to structure inheritance/trust
Replies: 46
Views: 3465

Re: How to structure inheritance/trust

We structured our trust so that our offspring can access reasonable money at our trustee’s discretion, as long as they are a “productive member of society.” IIRC, this was defined as employed either at a for-profit or non-profit, not having a criminal record, etc. while in their 20s-early 30s. I do...
by interwebopinion
Fri Sep 25, 2020 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent care expenses - we're going to lose a ton because of Covid
Replies: 22
Views: 2572

Re: Dependent care expenses - we're going to lose a ton because of Covid

This may the be the only option we have. Our megacorp didn't send a notice out at all - we went back to the email archives to check. :annoyed IRS is permitting changes to 2020 FSA contributions. They are not allowing refunds yet, but you can change your contributions to 0 so you won't lose more if t...
by interwebopinion
Fri Sep 25, 2020 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent care expenses - we're going to lose a ton because of Covid
Replies: 22
Views: 2572

Re: Dependent care expenses - we're going to lose a ton because of Covid

I doubt the IRS is going to deny for that reason, especially given the pandemic situation. 3. In addition to some of the alternatives listed by other posters, look at options to use the funds for virtual/in-person after care enrichment programs. Some sports clubs around here have virtual school and ...
by interwebopinion
Thu Sep 24, 2020 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Dependent care expenses - we're going to lose a ton because of Covid
Replies: 22
Views: 2572

Dependent care expenses - we're going to lose a ton because of Covid

We normally sign up for deductions for dependent care for our youngest, contributing a significant amount for spending on after-school care and summer camps. Thanks to Covid, our youngest is learning from home on zoom. Of course she was at home all summer as well. So are we looking at losing all tha...
by interwebopinion
Wed Sep 23, 2020 4:12 pm
Forum: Personal Consumer Issues
Topic: Advice: Solar credit when home is sold
Replies: 12
Views: 778

Re: Advice: Solar credit when home is sold

Some buyers especially here in N California would find that feature attractive. The electric bills will go close to 0. Why would You buy Solar Panels for a house you "might" not live in 1 year out? But since I've bought panels and took advantage of the Federal 30% tax credit, here's my two cents tha...
by interwebopinion
Tue Sep 22, 2020 9:46 pm
Forum: Personal Consumer Issues
Topic: Tesla battery day.
Replies: 69
Views: 5818

Re: Tesla battery day.

Generally an Elon skeptic - but today I've been impressed. It will make electric cars *cheaper* than gas powered cars. That's an amazing milestone. If anyone can pull it off, it's him. Yeah every claim he’s made has come true... knock knock, who’s there? SEC. SEC who? It's the silicon valley way - ...
by interwebopinion
Tue Sep 22, 2020 9:05 pm
Forum: Personal Consumer Issues
Topic: Advice: Solar credit when home is sold
Replies: 12
Views: 778

Re: Advice: Solar credit when home is sold

I remember doing this maybe two years ago and payback was over 20 years. Prices must have crashed on panels. Wowza! I don’t know the answer to your question, but make sure you get a quote from Tesla. They were 25% cheaper than any other installer I found. Wow - great tip! They are significantly chea...
by interwebopinion
Tue Sep 22, 2020 8:58 pm
Forum: Personal Consumer Issues
Topic: Advice: Solar credit when home is sold
Replies: 12
Views: 778

Re: Advice: Solar credit when home is sold

Tingting1013 wrote: Tue Sep 22, 2020 8:32 pm I don’t know the answer to your question, but make sure you get a quote from Tesla. They were 25% cheaper than any other installer I found.
Wow - great tip! They are significantly cheaper for me as well. Payback is coming in about 6 years.
by interwebopinion
Tue Sep 22, 2020 8:44 pm
Forum: Personal Consumer Issues
Topic: Advice: Solar credit when home is sold
Replies: 12
Views: 778

Re: Advice: Solar credit when home is sold

Will you own the home until Dec 31, 2020? Will the installation be complete by Dec 31, 2020? The installation will be completed by the end of October. The home purchase if it happens may close in December. I'm not entirely sure how the credit works if you don't own your home the entire year but is ...
by interwebopinion
Tue Sep 22, 2020 8:16 pm
Forum: Personal Consumer Issues
Topic: Synology NAS -> DS220J, DS420j, DS418
Replies: 38
Views: 1988

Re: Synology NAS -> DS220J, DS420j, DS418

interwebopinion, I had dealt with those kind of stuff of 30+ years ago. It is no longer interesting to me. I just want my NAS stuff to work now. KlangFool Totally understand. I will mention that it was not as difficult as I feared, and the Raspberry Pi is so powerful and so quiet that I've been ple...
by interwebopinion
Tue Sep 22, 2020 8:14 pm
Forum: Personal Consumer Issues
Topic: Advice: Solar credit when home is sold
Replies: 12
Views: 778

Re: Advice: Solar credit when home is sold

mervinj7 wrote: Tue Sep 22, 2020 8:09 pm Will you own the home until Dec 31, 2020? Will the installation be complete by Dec 31, 2020?
The installation will be completed by the end of October. The home purchase if it happens may close in December.
by interwebopinion
Tue Sep 22, 2020 7:55 pm
Forum: Personal Consumer Issues
Topic: Advice: Solar credit when home is sold
Replies: 12
Views: 778

Advice: Solar credit when home is sold

I'm thinking of installing solar, and the current quotes make it more compelling than ever. I've been quoted a payback period of 7.5 years (Bay Area - incl. the tax credit). So I'm thinking of pulling the trigger... ...BUT... ... there's a small chance we may move to another home before taxes are du...
by interwebopinion
Tue Sep 22, 2020 7:49 pm
Forum: Personal Consumer Issues
Topic: Synology NAS -> DS220J, DS420j, DS418
Replies: 38
Views: 1988

Re: Synology NAS -> DS220J, DS420j, DS418

If you've got some computer expertise, the other option is to use a Raspberry Pi and set it up as a NAS. https://www.pcmag.com/how-to/how-to-turn-a-raspberry-pi-into-a-nas-for-whole-home-file-sharing The advantage is that you gain a ton of flexibility and power, and save some money. Plus you can use...
by interwebopinion
Tue Sep 22, 2020 5:39 pm
Forum: Personal Consumer Issues
Topic: Tesla battery day.
Replies: 69
Views: 5818

Re: Tesla battery day.

Generally an Elon skeptic - but today I've been impressed. It will make electric cars *cheaper* than gas powered cars. That's an amazing milestone. If anyone can pull it off, it's him.
by interwebopinion
Mon Sep 21, 2020 1:24 pm
Forum: Personal Consumer Issues
Topic: Career path out of sales into another field
Replies: 8
Views: 539

Re: Career path out of sales into another field

Great questions! I'd like to venture more into an operations/analytical role supporting sales. As for the Megacorp idea, I'm in a Megacorp. Let's just say, you show any success in sales and it takes an act of God to leave. At least this Megacorp. Now I see the problem - someone's commissions are ti...
by interwebopinion
Mon Sep 21, 2020 1:13 pm
Forum: Personal Consumer Issues
Topic: Best shoes for running?
Replies: 65
Views: 3319

Re: Best shoes for running?

The one thing that really helped my knee pain was my podiatrist. If your feet are not aligned, it throws everything above out of joint, increasing wear and pain. He made custom inserts for me, and once I started using them, my knee pain completely disappeared. Not sure if that's medical advice, but ...
by interwebopinion
Mon Sep 21, 2020 1:10 pm
Forum: Personal Consumer Issues
Topic: Best shoes for running?
Replies: 65
Views: 3319

Re: Best shoes for running?

Go to a running store. I love my Mizuno Wave Riders. Running store matched me with those nearly 10-years ago. +1 Wave Riders for me too, but I agree that visiting a running store would be helpful. The best shoe depends on your foot and your mechanics. I also get a new pair every few months. Drives ...
by interwebopinion
Mon Sep 21, 2020 1:08 pm
Forum: Personal Consumer Issues
Topic: Career path out of sales into another field
Replies: 8
Views: 539

Re: Career path out of sales into another field

It will be difficult to get a new non-sales job, especially because you have a selling background. And if you have a successful track record selling, people will really wonder why you're applying out. What career are you targeting? That would help narrow the possible options. One option is to get ce...
by interwebopinion
Mon Sep 21, 2020 12:58 pm
Forum: Personal Consumer Issues
Topic: How to focus and keep focused — any recommendations?
Replies: 33
Views: 2134

Re: How to focus and keep focused — any recommendations?

So many good recommendations, many of which I have found useful.

This one worked for me - surprised it hasn't mentioned yet: Forget your bogleheads.org password :twisted:

:D :D :D
by interwebopinion
Wed Sep 16, 2020 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best company for auto/property/renters/umbrella insurance?
Replies: 36
Views: 3157

Re: What is the best company for auto/property/renters/umbrella insurance?

+1 for Checkbook mag - they are a Consumer Reports affiliate. And +1 for Amica - just excellent service when you need them. I need to switch. My current insurer has issues. If you have the time, check out Checkbook magazine. Our local library carries it. They do a great survey by region on things li...
by interwebopinion
Wed Sep 16, 2020 2:29 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 13177

Re: Grocery store didn't tell me Shingrix was $160

What concrete proof do you have of such an agreement? No one agrees to being charged 'any price'. That sounds like a price gouging manifesto. You deliberately agreed to any price charged by consciously soliciting and accepting a product and service while choosing not to inquire into cost in advance.
by interwebopinion
Wed Sep 16, 2020 2:26 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 13177

Re: Grocery store didn't tell me Shingrix was $160

Sadly that's how healthcare billing works in this country. I found out the hard way after Sutter Health, that famous lawsuit magnet here in the Bay Area, billed me $1000 for a weekend visit for a cold. The medical group itself was great before the SH takeover, and I was charged $250 for a similar do...
by interwebopinion
Mon Sep 14, 2020 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Agents: Advice Wanted
Replies: 12
Views: 1197

Re: Real Estate Agents: Advice Wanted

As for OPs issue: I'm afraid that the genie may be hard to put back in the bottle. Most states have a standard disclosure form, and if you know there's an issue such as this, you are required to disclose it. If it comes up on inspection, an undisclosed defect would be an accepted reason to pull out...
by interwebopinion
Sat Sep 12, 2020 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: New Home purchase strategy
Replies: 8
Views: 957

Re: New Home purchase strategy

If the new house is your primary, then this strategy would work fine. Just make sure to state that it is, so you get the best mortgage rates. You will have to disclose the HELOC as part of the process, but as long as you have income to service the draw, then there should be no issue. Worst case they...
by interwebopinion
Fri Sep 11, 2020 9:10 pm
Forum: Personal Consumer Issues
Topic: Air fryers
Replies: 18
Views: 2368

Re: Air fryers

Loving our Breville Combi-Oven, which has an airfryer along with microwave, oven and grill. Fries come out golden crisp outside and moist inside. We made veggie chips as well and they came out great.
by interwebopinion
Fri Sep 11, 2020 7:39 pm
Forum: Personal Consumer Issues
Topic: Very slow shower drain, plumber couldn't fix, ideas? - Update
Replies: 77
Views: 6355

Re: Very slow shower drain, plumber couldn't fix, ideas?

I think Bogleheads are diy-ers and this was a mystery waiting to be answered. I would watch a reality show about these kind of problems. :P Yaay! Glad it appears to be resolved. BTW, was anyone else eagerly waiting for the update as I was? Thank you for the update! I was. :happy I find it amazing th...