Search found 99 matches

by hereverycentcounts
Sat Oct 24, 2020 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Is switching to Kaiser but losing HSA worth it?
Replies: 32
Views: 2330

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

Looking at open enrollment options, and looking for the perspective of others. My wife and I (both early 30s) are in good health, and debating what health plan makes the most sense for 2021 -- specifically, whether to move from a HDHP to Kaiser's HMO. Status quo - Cigna HDHP Annual premium: $1,127....
by hereverycentcounts
Wed Oct 21, 2020 12:26 am
Forum: Personal Investments
Topic: Should We Ever Save for Children's College?
Replies: 467
Views: 30000

Re: Should We Ever Save for Children's College?

Another thing about much-touted tax benefits of 529s... By the time most people contribute enough to them for investment returns to be a significant contributor to account size it is time to switch to a more conservative allocation. They really are vehicles designed for the rich who can superfund w...
by hereverycentcounts
Fri Sep 25, 2020 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: At what networth is okay to splurge on a 200k car ? (Tesla roadster)
Replies: 159
Views: 10694

Re: At what networth is okay to splurge on a 200k car ? (Tesla roadster)

Hi all, Still young and in the accumulation phase. Was wondering what networth you need to be able to buy a 200k car , even if it extends your retirement age by a couple of years ? Note, car would be paid for in all cash. Thanks. Figure out what you want your networth to be by age plus a 6-12 month...
by hereverycentcounts
Fri Sep 25, 2020 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding Estate Tax
Replies: 39
Views: 3106

Re: Avoiding Estate Tax

Your parents should start a farm. https://thefederalist.com/2017/09/28/heres-need-know-estate-tax-family-farmers/ Also if your parents can pass on that much, then you're set for life -- estate taxes are not fun but they are important to help the economy. More seriously though - They should be giving...
by hereverycentcounts
Thu Sep 24, 2020 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing 30yr fixed jumbo Wells Fargo options w points
Replies: 10
Views: 777

Re: Comparing 30yr fixed jumbo Wells Fargo options w points

I recently locked in a 30 yr fixed jumbo mortgage with Wells Fargo for the purchase of a house (first time homebuyer). The purchase price is $1m, and the mortgage is $800k. We plan on keeping the house forever. Wells Fargo's rate for me is 3.125%, with the ability to lower the rate by 1/2 a point (...
by hereverycentcounts
Thu Sep 24, 2020 10:04 am
Forum: Personal Investments
Topic: Roth IRA Investing - Is there a rule of thumb?
Replies: 11
Views: 1609

Re: Roth IRA Investing - Is there a rule of thumb?

Hi All, Is there a rule of thumb about how to invest the money in Roth IRA accounts? Specific questions below. - Should I stick to any specific stock/ETF/Mutual Fund while investing the money in Roth IRA account? [Vanguard references should be good] - If I decide what to invest in, should I invest ...
by hereverycentcounts
Wed Sep 23, 2020 2:14 am
Forum: Personal Investments
Topic: Overfund a 529 or put some in an UTMA?
Replies: 19
Views: 1065

Re: Overfund a 529 or put some in an UTMA?

I just had my first child & my parents indicated they want to superfund a 529 for my daughter to the tune of $100k. Obviously this is a very blessed & privileged position to be in, and I want to make sure I manage it appropriately. Parents have indicated they want to do the same for any future chil...
by hereverycentcounts
Sat Sep 19, 2020 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19661

Re: How Much House Can We Afford in HCOL Area?

Thanks! I feel good about this decision. I feel good about it because I did not spend $2M or $1.8M or even $1.7M. I felt like $1.2M was all I could stomach but because of where I live and wanting to buy something that COULD be our forever home I went up to $1.6M. It's still 20% of our after tax net...
by hereverycentcounts
Sat Sep 19, 2020 12:49 am
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19661

Re: How Much House Can We Afford in HCOL Area?

Thanks! I feel good about this decision. I feel good about it because I did not spend $2M or $1.8M or even $1.7M. I felt like $1.2M was all I could stomach but because of where I live and wanting to buy something that COULD be our forever home I went up to $1.6M. It's still 20% of our after tax netw...
by hereverycentcounts
Wed Sep 16, 2020 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19661

Re: How Much House Can We Afford in HCOL Area?

Quick update. We decided to buy. We purchased a 3/2.5 home for 1.6M. We will be putting 20% down and have a 30 year fixed locked at 2.65% (around $7k a month). My FIL will be temporarily paying $2k / mo to the mortgage and living the master bedroom suite. I decided $5k for us a month makes sense vs...
by hereverycentcounts
Wed Sep 16, 2020 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19661

Re: How Much House Can We Afford in HCOL Area?

Quick update. We decided to buy. We purchased a 3/2.5 home for 1.6M. We will be putting 20% down and have a 30 year fixed locked at 2.65% (around $7k a month). My FIL will be temporarily paying $2k / mo to the mortgage and living the master bedroom suite. I decided $5k for us a month makes sense vs...
by hereverycentcounts
Wed Sep 16, 2020 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19661

Re: How Much House Can We Afford in HCOL Area?

Congratulations. I am focused on keeping my home equity at 20% of our (estimated after tax) networth. I calculate home equity with the following formula = + downpayment +/- gain/loss in value ($0 when bought) - cap gains tax on over $500k in gains if applicable - 6% of current cost of home (cost to...
by hereverycentcounts
Tue Sep 15, 2020 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19661

Re: How Much House Can We Afford in HCOL Area?

Quick update. We decided to buy. We purchased a 3/2.5 home for 1.6M. We will be putting 20% down and have a 30 year fixed locked at 2.65% (around $7k a month). My FIL will be temporarily paying $2k / mo to the mortgage and living the master bedroom suite. I decided $5k for us a month makes sense vs ...
by hereverycentcounts
Tue Sep 08, 2020 11:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20353
Views: 2781892

Re: Re:

I started my IRA a little over four years ago. Buy and hold all the way. My portfolio is now down 1.74% for that entire period. That's over four years of gains wiped away in the last two weeks. I'd imagine many people who started investing ten or twelve years ago have had similar experiences. If yo...
by hereverycentcounts
Tue Sep 08, 2020 9:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20353
Views: 2781892

Re:

I started my IRA a little over four years ago. Buy and hold all the way. My portfolio is now down 1.74% for that entire period. That's over four years of gains wiped away in the last two weeks. I'd imagine many people who started investing ten or twelve years ago have had similar experiences. If yo...
by hereverycentcounts
Tue Sep 08, 2020 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)
Replies: 37
Views: 3012

Re: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)

I get this. I was just wondering if other companies are more open to mental health issues than others. I do not believe anxiety/depression, outside of suicide, causes early deaths. This makes no sense. Diabetics—sure. One can run a blood test and find out someone has this and it impacts their whole...
by hereverycentcounts
Mon Sep 07, 2020 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)
Replies: 37
Views: 3012

Re: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)

If you had one highly rated offer, one standard offer, and all others as declines, the chances of you getting better than standard are going to be slim to none and the offer of standard sounds like a very, very good deal. As stated earlier, you are fighting a very uphill battle that in all honesty ...
by hereverycentcounts
Mon Sep 07, 2020 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)
Replies: 37
Views: 3012

Re: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)

All I know is one company gave me extremely rated rates (my broker didn't even share those with me) and all the others refused to offer a policy. Only one gave me standard. I just want to understand what exactly led to my standard classification (esp if my weight wasn't an issue at all) and what I ...
by hereverycentcounts
Mon Sep 07, 2020 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)
Replies: 37
Views: 3012

Re: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)

At 5'5" some companies allow as high as 174# for preferred best rates, the shorter you are, the more generous the build chart seems to be. Interesting. I don't know what they counted me as. All I know is one company gave me extremely rated rates (my broker didn't even share those with me) and all t...
by hereverycentcounts
Mon Sep 07, 2020 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)
Replies: 37
Views: 3012

Re: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)

5'5" 160s is not an issue with most term companies, the build charts are more generous than you think, at least until guys hit 6', then it seems to feel "tight" As to the depression, PPD or not, it depends on what is in your medical records. The underwriter never meets you, never sees you to judge ...
by hereverycentcounts
Mon Sep 07, 2020 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19661

Re: How Much House Can We Afford in HCOL Area?

My husband would never move to Atlanta though I’m sure it’s lovely. I would consider Minnesota and some other areas in the Midwest. I was not trying to suggest that you should move to Atlanta since it has lots of pros and cons(traffic!) but just for reference here is the type of house you could buy...
by hereverycentcounts
Mon Sep 07, 2020 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19661

Re: How Much House Can We Afford in HCOL Area?

For the OP: I want to apologize if my posts sounded judgmental or added anymore stress to your situation. I think you guys have done an amazing job saving and earning at such a young age and want to assure you that you have a very bright financial future ahead of you if you continue to play your ca...
by hereverycentcounts
Sun Sep 06, 2020 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)
Replies: 37
Views: 3012

Re: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)

I’m a life insurance underwriter. There is a lot of gray area in underwriting and even more so when evaluating mental/nervous disorders. Unfortunately, people with depression can have a higher mortality rate than those who do not. All of the reasons for this are not completely understood by the med...
by hereverycentcounts
Sun Sep 06, 2020 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)
Replies: 37
Views: 3012

Re: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)

I got a 30 year $1.5M term life policy this year. Age 36 Worked w/ a broker recommended by my fee-only CFP He said due to my (listed below) health conditions most companies turned me down entirely My only option was $2000/year $166/month by one company I was given standard rating because of the fol...
by hereverycentcounts
Sun Sep 06, 2020 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)
Replies: 37
Views: 3012

Re: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)

Standard is considered a normal life expectancy. Based on the description I would say you received a pretty good offer. Preferred is probably a stretch especially if your height/weight isn’t within Preferred guidelines in the first place. Prudential typically does the best with these kind of cases....
by hereverycentcounts
Sun Sep 06, 2020 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19661

Re: How Much House Can We Afford in HCOL Area?

There are many things to do in the South Bay without going to the Sierra Mountains just to name a few Sierra Vista Open Space Preserve, Quicksilver hike, Santa Teresa park, Big Basin Redwoods State Park, Santa Cruz, Point Reyes, Monterey, Carmel, Pepple beach....and many more. Hawaii is nice but it...
by hereverycentcounts
Sun Sep 06, 2020 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19661

Re: How Much House Can We Afford in HCOL Area?

Not sure why people picking on the bay area. It's expensive but also come with nice weather, good paying jobs and natural beauty. Many high cost cities outside or in the US have either or none. This is not intended to be another dump on the Bay Area but let me try to explain this. One thing I have ...
by hereverycentcounts
Sun Sep 06, 2020 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19661

Re: How Much House Can We Afford in HCOL Area?

It sounds like the best thing for us to do is rent, even if that rent is $6000 a month. Still better than buying. Prob will be forever renters. It makes me sad (quite frankly depressed) but I get it. It's not like I "deserve" to own a house for my family any more than the next person. It just is ha...
by hereverycentcounts
Sun Sep 06, 2020 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19661

Re: How Much House Can We Afford in HCOL Area?

Hello! I've been on kind of an informal FIRE journey since my early 20s. Of the networth info below, only about $100k of that is my husband's and the rest is my savings. :) We live pretty cheaply for this area ($2500/month for a 1 bedroom apartment with our toddler) but I'm pregnant and have saved ...
by hereverycentcounts
Sun Sep 06, 2020 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19661

Re: How Much House Can We Afford in HCOL Area?

Thanks I just figured this out... $28.7k income ($345k) $4.7k pre tax savings $9.4k taxes + health stuff $10.6k Roth/529/ESPP savings REMAINING: $3.9k Expenses: $6k REMAINING: -$2099 Housing: $6.7k ($1.7M house) REMAINING: -$8.8k over or $106k over per year. Yikes! So we'd need to increase income by...
by hereverycentcounts
Sun Sep 06, 2020 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19661

Re: How Much House Can We Afford in HCOL Area?

I guess I am in the minority, but I think you guys could swing the 2M house. However, I think something of the range of 1.5M would be much more suitable. I think the best would be to buy this 1.5M house, save and eventually move to a nicer house. Thanks. As per earlier comment, in CA we have prop 1...
by hereverycentcounts
Sun Sep 06, 2020 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19661

Re: How Much House Can We Afford in HCOL Area?

What happens if we stay in the Bay Area when we retire? That is our plan. We want to stay here forever. What do you consider "staying in the Bay Area" for retirement? Which of the following qualify: A cabin on the Russian River. An ocean view house in Half Moon Bay. A small ranch outside Gilroy. A ...
by hereverycentcounts
Sun Sep 06, 2020 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19661

Re: How Much House Can We Afford in HCOL Area?

OP In today's mortgage market, 1.5 m loan costs about 5.8k in principal and interest. Add about 2.5k for taxes and insurance on a 2m home. Total PITI costs are close to 8.3k or 100k annual What is the AGI on your 2018 and 2019 tax returns? I saw in a recent post that your income was 260k. Is that r...
by hereverycentcounts
Sun Sep 06, 2020 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19661

Re: How Much House Can We Afford in HCOL Area?

What happens if we stay in the Bay Area when we retire? That is our plan. We want to stay here forever. What do you consider "staying in the Bay Area" for retirement? Which of the following qualify: A cabin on the Russian River. An ocean view house in Half Moon Bay. A small ranch outside Gilroy. A ...
by hereverycentcounts
Sun Sep 06, 2020 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19661

Re: How Much House Can We Afford in HCOL Area?

At this point if my husband said -- let's move -- I'd be game. Love it here for so many reasons but it's just ridiculous for us to stay here, ESPECIALLY because he doesn't work in tech. If he wants to get a tech job so we can have a 2 tech income household then I'd say it's worth staying here but h...
by hereverycentcounts
Sun Sep 06, 2020 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 1.3 mil house?
Replies: 36
Views: 3654

Re: Can I afford a 1.3 mil house?

I earn $150k annually and my wife earns $120k. We're both 30 year olds in Seattle area (stable tech jobs). No children yet. We've $400k cash stored in a savings account. Mostly for the purpose of down payment. We've another $150k invested in a taxable account. We max out our 401ks. We've more stock...
by hereverycentcounts
Sun Sep 06, 2020 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19661

Re: How Much House Can We Afford in HCOL Area?

OP In today's mortgage market, 1.5 m loan costs about 5.8k in principal and interest. Add about 2.5k for taxes and insurance on a 2m home. Total PITI costs are close to 8.3k or 100k annual What is the AGI on your 2018 and 2019 tax returns? I saw in a recent post that your income was 260k. Is that r...
by hereverycentcounts
Sun Sep 06, 2020 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19661

Re: How Much House Can We Afford in HCOL Area?

Several others have said that Bay area salaries are pretty much in line with those of high tech jobs in other parts of the country. If so, then that brings into direct question why it makes financial sense for those in this line of work to voluntarily choose to live in an area where purportedly 'de...
by hereverycentcounts
Sun Sep 06, 2020 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 1.3 mil house?
Replies: 36
Views: 3654

Re: Can I afford a 1.3 mil house?

I earn $150k annually and my wife earns $120k. We're both 30 year olds in Seattle area (stable tech jobs). No children yet. We've $400k cash stored in a savings account. Mostly for the purpose of down payment. We've another $150k invested in a taxable account. We max out our 401ks. We've more stock...
by hereverycentcounts
Sun Sep 06, 2020 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 1.3 mil house?
Replies: 36
Views: 3654

Re: Can I afford a 1.3 mil house?

I earn $150k annually and my wife earns $120k. We're both 30 year olds in Seattle area (stable tech jobs). No children yet. We've $400k cash stored in a savings account. Mostly for the purpose of down payment. We've another $150k invested in a taxable account. We max out our 401ks. We've more stock...
by hereverycentcounts
Sun Sep 06, 2020 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 1.3 mil house?
Replies: 36
Views: 3654

Re: Can I afford a 1.3 mil house?

Yes, makes sense. I question a larger down payment though in OP situation and my own. Isn’t it better to keep anything over 20% down in index funds? Maybe keep 12-24 months of mortgage payments out of stock market but why have that sit in a house?
by hereverycentcounts
Sun Sep 06, 2020 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)
Replies: 37
Views: 3012

Re: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)

I just don’t understand why seeing a therapist for depression makes me more likely to die. There are tons of depressed people and it doesn’t actually make them die sooner! I can see if there is a history of suicide attempts on record but really I would think it’s better for someone who is sad to ge...
by hereverycentcounts
Sun Sep 06, 2020 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)
Replies: 37
Views: 3012

Re: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)

I got a 30 year $1.5M term life policy this year. Age 36 Worked w/ a broker recommended by my fee-only CFP He said due to my (listed below) health conditions most companies turned me down entirely My only option was $2000/year $166/month by one company I was given standard rating because of the fol...
by hereverycentcounts
Sun Sep 06, 2020 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)
Replies: 37
Views: 3012

Re: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)

Think hard about whether or not you need 30 years. Will you have enough savings/retirement/kids launched by then such that in the unlikely event of your death, your family will not need the money. We went through this recently and settled on 20 years. Kids will be out of college by then and we shou...
by hereverycentcounts
Sun Sep 06, 2020 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)
Replies: 37
Views: 3012

Re: Am I being overcharged for life insurance? (Don't worry guys, I'm talking about term life.)

I got a 30 year $1.5M term life policy this year. Age 36 Worked w/ a broker recommended by my fee-only CFP He said due to my (listed below) health conditions most companies turned me down entirely My only option was $2000/year $166/month by one company I was given standard rating because of the fol...
by hereverycentcounts
Sun Sep 06, 2020 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 1.3 mil house?
Replies: 36
Views: 3654

Re: Can I afford a 1.3 mil house?

I earn $150k annually and my wife earns $120k. We're both 30 year olds in Seattle area (stable tech jobs). No children yet. We've $400k cash stored in a savings account. Mostly for the purpose of down payment. We've another $150k invested in a taxable account. We max out our 401ks. We've more stock...
by hereverycentcounts
Sun Sep 06, 2020 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a 1.3 mil house?
Replies: 36
Views: 3654

Re: Can I afford a 1.3 mil house?

No children yet. Are you planning on having children? What happens if your wife decides she wants to stay home? I would continue to save and wait until you have clarity on children. That’s pretty assumptive that is wife would want to stay home with the kids— but I would factor in childcare in with ...
by hereverycentcounts
Sun Sep 06, 2020 2:01 am
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19661

Re: How Much House Can We Afford in HCOL Area?

Not sure why people picking on the bay area. It's expensive but also come with nice weather, good paying jobs and natural beauty. Many high cost cities outside or in the US have either or none. I don't know for sure, but I have a theory. I think the reason is that much of the Bay Area used to be no...
by hereverycentcounts
Sun Sep 06, 2020 1:20 am
Forum: Personal Finance (Not Investing)
Topic: How Much House Can We Afford in HCOL Area?
Replies: 300
Views: 19661

Re: How Much House Can We Afford in HCOL Area?

That's obviously a matter of opinion. California's growth rate has slowed to nearly zero in the last few years. We live close to Coeur d'Alene, ID, and I'd estimate that at least a third of the city's population is comprised of ex-Californians. Low income move out and high income move in. https://w...
by hereverycentcounts
Sun Sep 06, 2020 1:17 am
Forum: Personal Finance (Not Investing)
Topic: Accepting RSUs or Stock Options as a freelancer?
Replies: 2
Views: 399

Re: Accepting RSUs or Stock Options as a freelancer?

My wife recently started freelancing for a handful of tech start ups. Many are looking to either completely or partially compensate her with RSUs/Option grants. Neither of us have experience receiving equity from a private company, but my gut reaction is that it doesn’t make very much sense for her...