Search found 81 matches

by DoubleComma
Sat Nov 28, 2020 12:12 pm
Forum: Personal Consumer Issues
Topic: Should I get a new ATT Cellular Plan?
Replies: 7
Views: 426

Re: Should I get a new ATT Cellular Plan?

I just changed plans the same as you are contemplating. We have 3 phones and we previously on a shared data plan. It was fine, but DW and DD really were ready for new phones and the best deal on the phone required the new unlimited plan. Essentially my month bill increased $0.70 month, and which req...
by DoubleComma
Fri Nov 27, 2020 5:26 pm
Forum: Personal Investments
Topic: College Student, New to Investing
Replies: 13
Views: 667

Re: College Student, New to Investing

Getting started saving/investing early is generally a good idea...unless you are taking on debt to attend college. Before you think about investing, while in college, please be sure you aren’t adding debt while attempting to build savings. IMO the best long term plan is debt free college.
by DoubleComma
Thu Nov 26, 2020 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate inflation
Replies: 44
Views: 3583

Re: Real estate inflation

Another phenomenon I think is happening are folks buying homes in their intended retirement area now, years before actual retirement, simply to get a stake in the ground while rates are low. This is what my wife are actively trying to do now. We are actively looking to buy a home where we intend to ...
by DoubleComma
Mon Nov 23, 2020 10:22 pm
Forum: Personal Consumer Issues
Topic: Car will fit in garage with one inch to spare - thoughts?
Replies: 111
Views: 8792

Re: Car will fit in garage with one inch to spare - thoughts?

Staying in a beach town in an AirBB this week, quarters are tight. The add said the garage was 230” in deep and you must park in the garage. Our suburban is 226” so we brought it. It fit, it was extremely tight, and not something I would want to do daily.
by DoubleComma
Sun Nov 22, 2020 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Teach kids about charitable giving
Replies: 16
Views: 941

Re: Teach kids about charitable giving

I don’t have the answers here. Starting around age 6 though, we made it an annual tradition to go to Target and buy lots of toys for the toys-for-tots program. I think it helped to show that we were very fortunate in our lives, and that we should share where we could with folks that were struggling...
by DoubleComma
Sun Nov 22, 2020 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: What % of income do you make annual charitable contributions?
Replies: 18
Views: 876

Re: What % of income do you make annual charitable contributions?

About the only solid advice I can give is to use a Donor-Advised Fund if you do not already do so. Of course, that does not mean that all your giving is channeled through your DAF, but most likely some of it should be. Thanks for the DAF mention. I’ve heard of this, assumed it was for ultra wealthy...
by DoubleComma
Sun Nov 22, 2020 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: What % of income do you make annual charitable contributions?
Replies: 18
Views: 876

Re: What % of income do you make annual charitable contributions?

Until very recently we would make year end contributions to a few local organizations. However going into 2021 we are planning to commit a fixed amount, thinking $10k, and making quarterly contributions to 5 separate organizations we have historically supported. My logic is they need money all year ...
by DoubleComma
Sun Nov 22, 2020 11:52 am
Forum: Personal Finance (Not Investing)
Topic: What % of income do you make annual charitable contributions?
Replies: 18
Views: 876

What % of income do you make annual charitable contributions?

I’m sure this has been discussed, but a quick search didn’t yield the discussion I was looking for. There have been several recent threads about which organizations does this community support with their donations. Charitable donations is becoming a much bigger part of DW an my budget. Neither of us...
by DoubleComma
Sat Nov 21, 2020 12:26 pm
Forum: Personal Consumer Issues
Topic: Any Car Tire Enthusiasts Out There?
Replies: 21
Views: 1722

Re: Any Car Tire Enthusiasts Out There?

I currently Defender LTX M/S on my Suburban and previous Silverado. We spend a lot of time in mountains, so lots of “on snow” and “off road” miles every year. I have no complaints about wear life, traction or noise. My current truck has OEM tires still. They are Bridgestone Dueler Alenza...no compla...
by DoubleComma
Fri Nov 20, 2020 5:17 pm
Forum: Personal Consumer Issues
Topic: "Buy once, cry once"
Replies: 101
Views: 9721

Re: "Buy once, cry once"

There are very few things I have today that I would want 15-20 years from now; especially furniture.

Is you style today the same as 10 years ago, let alone 25?
by DoubleComma
Fri Nov 20, 2020 12:14 am
Forum: Personal Consumer Issues
Topic: End of year cheer
Replies: 43
Views: 3031

Re: End of year cheer

Anonymously pay off random folks toys at big box stores layaway. But how do I know if they deserve it? Or do they have stuff on layaway cos they spend too much on alcohol and other vices. Maybe your right, but it’s highly unlikely the kids the toys are for are blowing money on alcohol and other vic...
by DoubleComma
Fri Nov 20, 2020 12:10 am
Forum: Personal Consumer Issues
Topic: End of year cheer
Replies: 43
Views: 3031

Re: End of year cheer

Giving plays an important role in our lives. We give every year to several local organizations we feel deserve the support, but maybe others don’t. I like to look more at the mission of the group and who is managing it and who/what are they serving. We support a local food panty, pet rescue/shelter,...
by DoubleComma
Wed Nov 18, 2020 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: High Earner Careers?
Replies: 305
Views: 49320

Re: High Earner Careers?

Radiologist. High earner and easy work. I'd be concerned artificial intelligence would substantially reduce the number of radiologists needed. I was at a large conference last year and the keynote speaker said, "you can just stop training new radiologists now because by the time they get out, ...
by DoubleComma
Tue Nov 17, 2020 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Prop 19 CA Inheritance Property Implications
Replies: 136
Views: 7461

Re: Prop 19 CA Inheritance Property Implications

Following --- The long-time family mountain vacation home will transfer from his Trust to my Trust when when my father passes. The market value to assessed value is between 3x and 4x. I too am interested in this. Couldn't one just leave the inherited property in the existing trust (assuming there i...
by DoubleComma
Mon Nov 16, 2020 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: find a mortage company for new home purchase
Replies: 29
Views: 1559

Re: find a mortage company for new home purchase

Rates are generally great everywhere, especially with a 800 FICO and hopefully a sufficient down payment. Since this is a purchase I would less worried about getting that last 1/8-1/4 less in rate and focus more on who can guarantee they can close by 12/29. The online guys are great; I've used both ...
by DoubleComma
Sun Nov 15, 2020 11:36 pm
Forum: Personal Consumer Issues
Topic: Roadtrip during this Thanksgiving / CA
Replies: 31
Views: 2475

Re: Roadtrip during this Thanksgiving / CA

How does someone learn if they don’t drive in the snow? Besides, there is nearly zero chance of seeing snow fall before entering the park coming up from Three Rivers. When you enter the park, you are right it, it is a tight winding road up to the trees. In the best of weather it’s 30 mph road in any...
by DoubleComma
Sun Nov 15, 2020 10:57 pm
Forum: Personal Consumer Issues
Topic: Roadtrip during this Thanksgiving / CA
Replies: 31
Views: 2475

Re: Roadtrip during this Thanksgiving / CA

I wouldn’t let tire chains scare you off that trip. They are simple, 20 min of practice put on/off and you will be good. Driving in snow, like any inclement weather, is perfectly safe if you take your time and don’t speed. Besides the long range weather for the central Sierra looks very mild at the...
by DoubleComma
Sun Nov 15, 2020 9:55 pm
Forum: Personal Consumer Issues
Topic: Roadtrip during this Thanksgiving / CA
Replies: 31
Views: 2475

Re: Roadtrip during this Thanksgiving / CA

We are doing just the opposite of you, traveling from Central CA to MB for the week of thanksgiving. We have rented a beach front house, don’t plan to use restaurants outside of Take-out and expect to spend the days outside on the beach. I’m not sure how this is any riskier than staying at homes doi...
by DoubleComma
Sun Nov 15, 2020 3:37 pm
Forum: Personal Consumer Issues
Topic: Weather pattern change in your area?
Replies: 10
Views: 776

Re: Weather pattern change in your area?

As a former SF Bay area resident (combined 20 year in North Bay and San Jose) with many friends and family remaining in both I'll say this. 1. If you really believe its warmer/dryer in your particular microclimate, SF bay is all about microclimate, and that is pushing you then absolutely go to a pla...
by DoubleComma
Sat Nov 14, 2020 7:29 pm
Forum: Investing - Theory, News & General
Topic: RSU Present Value Calculator?
Replies: 31
Views: 1217

Re: RSU Present Value Calculator?

My point is simple, RSU aren't you compensation until you vest and exercise them. RSU are more like a slot machine than anything else. I think you're conflating RSUs and options. I 100% agree on options: I was underwater or treading water on my options for basically all 5 years of vesting at my las...
by DoubleComma
Fri Nov 13, 2020 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: High Earner Careers?
Replies: 305
Views: 49320

Re: High Earner Careers?

If you want to make a lot of money as an employee, get a job selling something with generous profit margins, like software, to enterprises and other large customers. Technical people are also needed to keep the sales people out of trouble when the discussion turns to specifics. But the sales people...
by DoubleComma
Fri Nov 13, 2020 10:42 pm
Forum: Investing - Theory, News & General
Topic: RSU Present Value Calculator?
Replies: 31
Views: 1217

Re: RSU Present Value Calculator?

Not exactly sure what you are trying to accomplish. If I log into the account that manages my RSU is calculated value and # shared x present value. Personally I value my non-vested RSU at zero. I am trying to value them as part of my broader compensation analysis heading into YE. I don't think my b...
by DoubleComma
Fri Nov 13, 2020 8:58 pm
Forum: Investing - Theory, News & General
Topic: RSU Present Value Calculator?
Replies: 31
Views: 1217

Re: RSU Present Value Calculator?

Not exactly sure what you are trying to accomplish. If I log into the account that manages my RSU is calculated value and # shared x present value.

Personally I value my non-vested RSU at zero.
by DoubleComma
Fri Nov 13, 2020 2:38 pm
Forum: Personal Consumer Issues
Topic: Third row SUV seating considerations
Replies: 32
Views: 2340

Re: Third row SUV seating considerations

My only piece of advice -- get the captain's chairs, not the 2nd row bench. Trust me. Sincerely, Person with an SUV that has a 2nd row bench. +1 There is a reason the Tesla Model X charges $3k more for the captain’s chairs. We have been looking at SUVs and are mulling bench vs captain's chairs. Why...
by DoubleComma
Thu Nov 12, 2020 5:51 pm
Forum: Personal Consumer Issues
Topic: WiFi Extender with DSL
Replies: 15
Views: 798

Re: WiFi Extender with DSL

Eero from Amazon ... problem solved.
by DoubleComma
Wed Nov 11, 2020 10:33 pm
Forum: Personal Consumer Issues
Topic: Buying a new Chevy Suburban
Replies: 36
Views: 4592

Re: Buying a new Chevy Suburban

Try this: Download autotrader app. Then search all 2021 suburbans in the country. See how low prices get, and what discounts the dealers are using. You can buy out of state if needed, or just ask local dealer if they can price match. +1 It’s never been easier to buy a car with all the online tools....
by DoubleComma
Wed Nov 11, 2020 11:44 am
Forum: Personal Consumer Issues
Topic: Ski Mask Recommendations
Replies: 19
Views: 1167

Re: Ski Mask Recommendations

Most if not all resorts in the West have published rules requiring masks to be worn at all times; specifically indoors, on lifts, in lines, etc. Many CA resorts are also restricting in-door access all together, based on individual county requirements in affect (potential weekly changes) the resorts ...
by DoubleComma
Tue Nov 10, 2020 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Recently sold house - roof leaking, repairs didn't work, being contacted by buyer
Replies: 128
Views: 13339

Re: Recently sold house - roof leaking, repairs didn't work, being contacted by buyer

Had a similar situation. In 2005 sold a house originally built in the 1970's. Before we sold it we made a few cosmetic updates and replaced the aluminum single pane windows with vinyl dual-pane windows. When I owned the house, one window developed a gap in the caulking and a very minor leak came thr...
by DoubleComma
Sun Nov 01, 2020 10:49 pm
Forum: Personal Consumer Issues
Topic: Sorority forcing signing updated live-in agreement
Replies: 21
Views: 3017

Re: Sorority forcing signing updated live-in agreement

Both my wife and I were members of the Greek System; I was even the president of my fraternity. We had to have the house full or the economics didn’t work. We didn’t work on filling the rooms for the next school year until March of the previous school year. So it is not unusual your daughter is bein...
by DoubleComma
Fri Oct 30, 2020 5:14 pm
Forum: Personal Consumer Issues
Topic: What to replace two wine fridges with?
Replies: 20
Views: 1203

Re: What to replace two wine fridges with?

We had a similar situation, I was able to find a "beverage center" to replace a wine fridge. Basically the same thing as a wine fridge, but it actually is able to get to 36* or 38*. Although we dink wine, we don't collect wine, so this just made a lot more sense for us to keep various non-...
by DoubleComma
Wed Oct 28, 2020 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1482
Views: 136872

Re: My LenderFi refinance is going well

My LenderFi Refi took 10 weeks for initial contact to funding. This sounds long, and it was, but in our case our home was caught in the middle of a wildfire here in California. The loan required a drive by appraisal and the appraiser couldn’t get there for 4.5 weeks because access was restricted. Ha...
by DoubleComma
Tue Oct 27, 2020 9:50 pm
Forum: Personal Consumer Issues
Topic: Help...we're getting a dog!
Replies: 157
Views: 8531

Re: Help...we're getting a dog!

Dogs are fantastic. I’ve had a dog nearly everyday of my 40+ years on this earth. Yes, it’s a lot of responsibility, but anything worth doing/having is. You have lots a great advice above, so I’ll only reinforce to parts. 1. Don’t be naive in thinking this is you kids dog, it will still be 100% the ...
by DoubleComma
Tue Oct 27, 2020 9:36 pm
Forum: Personal Investments
Topic: Roth 401(k) always worse than Traditional 401(k)
Replies: 54
Views: 6173

Re: Roth 401(k) always worse than Traditional 401(k)

I’m certainly not the expert on this, but I’ll share what I do. First, we are not eligible for Roth IRA contributions. Second, both my wife I have significant rollover tIRA that, as I understand it, make back door roth conversions unrealistic. Therefore for the past 6 years I have spilt my 401k 50/5...
by DoubleComma
Sun Oct 25, 2020 10:27 pm
Forum: Personal Consumer Issues
Topic: Apple music subscriptions: Am I off base here?
Replies: 16
Views: 1360

Re: Apple music subscriptions: Am I off base here?

Instead of getting upset, simply drop the subscription.

Unless of course you and your high school age daughter think it’s that much better than all the other streaming services, several are no cost, then pay up and accept it.

What else can you do?
by DoubleComma
Sat Oct 24, 2020 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is switching to Kaiser but losing HSA worth it?
Replies: 32
Views: 2412

Re: Is switching to Kaiser but losing HSA worth it?

I work in healthcare in NorCal and am pretty familiar with the various health systems and insurance. In my opinion Kaiser is the best you can get in terms of overall quality of care and convenience (no complex billing, pre-approvals, mail order pharmacy, lots of virtual services, etc). And even tho...
by DoubleComma
Wed Oct 21, 2020 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Bank with no debit/ATM card?
Replies: 47
Views: 2097

Re: Bank with no debit/ATM card?

Another option is to get an online account with ATM/debit card and keep a minimal balance in the account. Minimal risk. I rarely keep much cash in our checking account so I tend not to think about risk of lost card. And, I can't recall the last time I used currency - probably the first week in Marc...
by DoubleComma
Mon Oct 19, 2020 9:47 pm
Forum: Personal Investments
Topic: Cash for mid-term goals
Replies: 14
Views: 1096

Re: Cash for mid-term goals

Thanks everyone for the perspectives. Couple mentions of the boat; I’m waiting in a cash position for the right boat to come along. I’m looking for a specific wake boat, 3 - 5 years, that I plan to act fast and buy in cash once found. For those who aren’t aware, boats have had quite a Covid bounce, ...
by DoubleComma
Mon Oct 19, 2020 10:02 am
Forum: Personal Investments
Topic: Cash for mid-term goals
Replies: 14
Views: 1096

Cash for mid-term goals

How much is cash drag an issue? I’ve been reading about how much non-invested cash to hold on to and where to hold it. Currently we keep $100-$150k in cash with low seven figures invested at ~80/20. I know holding 10% cash is probably higher than optimal, so now I’m wondering how everyone else handl...
by DoubleComma
Fri Oct 16, 2020 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8071
Views: 563173

Re: Refinance Mega Thread

Working on a cash out refi with loan depot and better... Both are coming in around the same rate/price... Not impressed by the results compared to what I've seen shared here. Is it the cash out element? or maybe the 150k total amount is not high enough? 3%/3.25% apr for about 1.5pts and several tho...
by DoubleComma
Thu Oct 15, 2020 7:51 pm
Forum: Personal Investments
Topic: Extra $1000 a month. What do I do?
Replies: 38
Views: 3205

Re: Extra $1000 a month. What do I do?

Luckily we both are teachers. I could not handle being in Admin 8-) 1. We have never spent much on cars. We typically spend $3000 on a used Honda. We typically drive them 3 years and are able to resell for $2500 and repeat process every 3 years. I love used Honda’s. 2. Luckily our house is in great...
by DoubleComma
Thu Oct 15, 2020 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8071
Views: 563173

Re: Refinance Mega Thread

I am torn - I have wanted to refi for months, was hoping my current lender would lower rates / offer a no fee refi .. I don't want to give better.com my ss# LenderFi wants ~$1600 more in closing costs I read another thread saying the increasing tbills should mean current mortgage rates are as low a...
by DoubleComma
Thu Oct 15, 2020 11:32 am
Forum: Personal Investments
Topic: Extra $1000 a month. What do I do?
Replies: 38
Views: 3205

Re: Extra $1000 a month. What do I do?

How is your charitable giving? I would consider paying off a mortgage, which my wife and I have done, and increase your giving. We focus on local organizations that directly impact our immediate community, but there is no shortage of worthwhile organizations who could use your support. As school tea...
by DoubleComma
Wed Oct 14, 2020 10:09 pm
Forum: Personal Investments
Topic: Saving money for a yearly vacations
Replies: 14
Views: 1772

Re: Saving money for a yearly vacations

I just use an ally saving account for this; same as my self-escrow for property taxes.
by DoubleComma
Wed Oct 14, 2020 7:45 pm
Forum: Personal Investments
Topic: iShares MBS ETF (Ticker MBB)
Replies: 5
Views: 332

Re: iShares MBS ETF (Ticker MBB)

Thanks for the responses.

Did some reading up on convexity.

Was also able to read the WSJ article.

Guessing the smart things, since it is essentially my security blanket and a minuscule amount of cash relative to my investments, is simply get comfortable with low yields on this money.
by DoubleComma
Wed Oct 14, 2020 6:47 pm
Forum: Personal Investments
Topic: iShares MBS ETF (Ticker MBB)
Replies: 5
Views: 332

iShares MBS ETF (Ticker MBB)

I work in a lucrative but volatile job. I could be eliminated on a moments notice, hopefully with a generous severance but I don't bank on it, and I wouldn't expect that I could replace with a similar role immediately. I've seen peers take 12+ months to land in a comparable place, most are able to i...
by DoubleComma
Mon Oct 12, 2020 9:32 pm
Forum: Personal Consumer Issues
Topic: Bathroom Remodel without Permit?
Replies: 40
Views: 3714

Re: Bathroom Remodel without Permit?

I’ve done lots of update work without a permit, both DIY and with contractors. I even have a close friend who is a GC that I trust to do it right, but that said I will pull permits for most everything requiring a permit now a days. In Marin county CA, specially I saw it in Novato, the county will do...
by DoubleComma
Sun Oct 11, 2020 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Starter Home vs. Forever Home
Replies: 60
Views: 5501

Re: Starter Home vs. Forever Home

We are of the opinion there is NO such thing as a forever home. To the point we have owned 4 different primary homes and 2 vacation homes. Each were perfect until they weren’t. I would add too that none of our moves were what you are thinking about .... space, schools etc. For us we always bought in...
by DoubleComma
Fri Oct 02, 2020 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Pay Reduction - What Happens if Layoff Occurs Afterwards?
Replies: 12
Views: 2225

Re: Pay Reduction - What Happens if Layoff Occurs Afterwards?

What if you don’t accept a 40% Comp reduction? In my Mega Corp this is all clearly defined in the HR policies published on our HR portal. If they make a substantial change to your role, including re-grading the Comp, you can decline and accept the published severance package. That would be 2 weeks p...
by DoubleComma
Sun Sep 27, 2020 9:46 pm
Forum: Personal Consumer Issues
Topic: Medical Alert Recommendations
Replies: 12
Views: 756

Re: Medical Alert Recommendations

I second Philips Lifeline. My FIL wore it for 6-8 months. He was stubbornly living alone, while also fighting cancer. He fell a couple times and the Lifeline properly detected it and sent help; one instance was while showering so I know if can be worn in the shower. The version he used was connected...