Search found 843 matches

by ThatGuy
Fri Dec 07, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Climate Concerns re: small Jersey Shore Vacation Home
Replies: 54
Views: 2925

Re: Climate Concerns re: small Jersey Shore Vacation Home

I would most definitely NOT assume that potential increased insurance costs or potential environmental damage due to storms or rising sea levels have been priced into the market. Real estate is not at all like the stock market and there is a lot of institutional, individual, and commercial denial a...
by ThatGuy
Thu Nov 29, 2018 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with $6,000 in gold and silver?
Replies: 40
Views: 3316

Re: What would you do with $6,000 in gold and silver?

I would deposit it into my Roth IRA on January 1, 2019 since the contribution limit is increasing next year.
by ThatGuy
Wed Nov 28, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 8659

Re: How did YOU choose your career?

One thing I would suggest for a college student is to plan on getting a very strong minor degree or even a double major. That way you can switch majors to get a degree in what was going to by your minor if it turns out that is a better fit for you. I see this as a STEM focus gets a manager to actua...
by ThatGuy
Wed Nov 28, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 8659

Re: How did YOU choose your career?

I have a late HS daughter. Perhaps painfully obvious, but I think the path forward is to dig deep introspectively and to discover what are our passions and talents are. Once we discover this, we are 90% of the way there. We just have to be really honest with ourselves. The thing is, a lot of career...
by ThatGuy
Tue Nov 27, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Dual Monitor Set up
Replies: 52
Views: 2822

Re: Dual Monitor Set up

<r><QUOTE author="FeesR-BullNotBullish" post_id="4231044" time="1543335139" user_id="109902"><s>[quote=FeesR-BullNotBullish post_id=4231044 time=1543335139 user_id=109902]</s>I also made the leap from dual 27" to a single 34" curved ultra wide 3440x1440. This switch is as beneficial as ten years ago...
by ThatGuy
Mon Nov 26, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: EU Inheritance
Replies: 0
Views: 154

EU Inheritance

There is a good chance a family member will not be living in the US when they are eligible for an inheritance. I've having a heck of a time getting the internet to give me any insight into what issues, taxation or otherwise, there might be with an inheritance leaving the US for, say, the EU. Does an...
by ThatGuy
Tue Nov 20, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8543
Views: 1671432

Re: U.S. stocks in freefall

I'm very curious if people who have 60% or more of their investment portfolio in common stocks are actually able to sleep well at night during times like this. I guess I can understand it if you're in your 20s or 30s and have 30-40 years of working and job income in front of you. But what about you...
by ThatGuy
Sun Nov 18, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 111
Views: 9947

Re: Granddaughter needs $ help for university

WOW, she has surely grown up. Your granddaughter sounds like an impressive young lady. Most young adults do not know how to take care of monthly expenses when starting college, but the ability to look forward and get a handle on this is a great skill at that age. Particularly because it sounds like...
by ThatGuy
Wed Nov 14, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Teaching young folks how to save for retirement
Replies: 27
Views: 1951

Re: Teaching young folks how to save for retirement

about 39 percent of the wealthiest respondents still did report regret. (One of the most common things people thought they spent too much money on was vacation; cars and clothing also ranked highly for men and women, respectively.) So the percentage of people who regretted taking vacations was less...
by ThatGuy
Thu Nov 08, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: High-end Christmas decorations
Replies: 41
Views: 4041

Re: High-end Christmas decorations

We would like a fake tree, a topper, ornaments, and that's about it but we want really nice ones. Just pick these up over time; it's rather difficult to find your "forever" decorations all at once. I'd also put a plug in for making your own decorations where you can. The Tacoma Museum of Glass has ...
by ThatGuy
Sun Nov 04, 2018 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Preparing for EOY 2018 Taxes
Replies: 7
Views: 1249

Re: Preparing for EOY 2018 Taxes

FiveK wrote:
Sun Nov 04, 2018 3:08 am
At some point, perhaps in the next week or two, the "real" 2018 versions of commercial software will become available and, subject to early release bugs, should handle all situations.
It looks like TurboTax will be released through Amazon on Nov 12.
by ThatGuy
Fri Nov 02, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Engineering school
Replies: 66
Views: 4894

Re: Engineering school

When you buy real-estate, you hear people say it is all about "location-location-location". When it comes to engineering schools, unless they are in top 10, Iocation makes a super huge difference with your job prospects. For e.g., computer science in unranked San Jose State Univeristy is a LOT bett...
by ThatGuy
Fri Nov 02, 2018 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?
Replies: 180
Views: 11175

Re: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?

LOL. You've obviously never been to Kansas City. You have MORE of all those things, but how much better is 24,000 restaurants over 5,000 restaurants? Large metropolis's have their own problems, but KC in no way compares to the quality of restaurants, or entertainment in general, to SF, DC, NY, etc....
by ThatGuy
Mon Oct 29, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25880

Re: PSA: Don't buy a big house

We recently had to replace two roof sections, and were shocked at how little insulation was between the rafters. Foam insulation brought the R-value to at least R-60 for the sections replaced. I am sure that it will make a big difference. If this is between the rafters, I assume foam-in-place as op...
by ThatGuy
Fri Oct 26, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25880

Re: PSA: Don't buy a big house

Yeah I can't count how many times I get lost in my craftsman McMansion. Isn't that an oxymoron? I thought the craftsman movement came about as a reaction to cheaply built cookie cutter houses being sold by places like Sears; i.e. to emphasize quality and showcase what a professional who cared about...
by ThatGuy
Fri Oct 19, 2018 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Should we downgrade our house?
Replies: 43
Views: 3978

Re: Should we downgrade our house?

The number one factor for student outcome is parents education level, followed by family structure, followed by economics (income), and somewhere after that is the teachers/school you go to. Why do people prioritize the forth item on the list so much? Probably because it is the one thing they can c...
by ThatGuy
Fri Oct 19, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Should we downgrade our house?
Replies: 43
Views: 3978

Re: Should we downgrade our house?

The number one factor for student outcome is parents education level, followed by family structure, followed by economics (income), and somewhere after that is the teachers/school you go to. Why do people prioritize the forth item on the list so much? Probably because it is the one thing they can c...
by ThatGuy
Fri Oct 19, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 6635

Re: Did you retire because you hit your number?

When people ask a child "what do you want to be when you grow up?", aren't they asking about how the child wants to define his/her adulthood life? I think the most likely answer may be scientist, astronaut, writer, doctor..., but not vacationing, enjoying hobbies, meeting friends, taking yoga class...
by ThatGuy
Fri Oct 19, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10954

Re: Should we move to San Diego from east coast?

God only created so many beaches and "America's Finest Cities" and SD is at the top of that list, so yeah, prices go up every year. Similar argument that internet people like to crow about SF bay area and waiting for RE to collapse... there may be year/years of slower pace or even slight dip, but o...
by ThatGuy
Sun Oct 14, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 102
Views: 10562

Re: Weigh in on our Marital Argument =)-- HCOL edition

Can you go to a hotel when they come or an air b n b? The logical extension of this is for ALL of you to airbnb when the parents come to visit. It's cheaper to rent a larger space for the small percentage of time you need it than to buy the extra space 100% of the time. And it gets around your pare...
by ThatGuy
Thu Oct 11, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Feeling Guilt among family/peers
Replies: 42
Views: 5304

Re: Feeling Guilt among family/peers

KlangFool wrote:
Thu Oct 11, 2018 8:23 am
OP,

Thanks for the reminder. Time for me to donate to the local food bank.

KlangFool
+1
by ThatGuy
Thu Oct 11, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Feeling Guilt among family/peers
Replies: 42
Views: 5304

Re: Feeling Guilt among family/peers

Focus on the other person - how are you? Like your new haircut, how are your kids? Show a genuine interest and forget about the material goods. It’s stupid to sink a relationship over something superficial. This is the quintessential truth to being a gentleman. Everyone loves to talk about themselv...
by ThatGuy
Fri Oct 05, 2018 10:49 am
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13976

Re: Correlation between the FIRE movement and one of the greatest bull markets

Thanks for asking what retirement means. I am delighted to clarify what was once so clear, but is now so confused. It is as follows: 1. You no longer work for pay, and 2. You don't need to work for pay, because the entirety of your financial needs AND the needs of all of your dependents are/or coul...
by ThatGuy
Mon Sep 17, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: how do/did you teach your kids finances/investing?
Replies: 28
Views: 2325

Re: how do/did you teach your kids finances/investing?

My system is as follows: $X in allowance every week. This tends to get spent nearly as quickly as it comes out of my wallet, but it's important for them to have ownership of their decisions, and also to be able to determine value to cost. 20% * X is given at the same time as allowance, but must be s...
by ThatGuy
Wed Aug 29, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Microsoft adding stock quote functionality to Excel
Replies: 12
Views: 4066

Re: Microsoft adding stock quote functionality to Excel

This feature is now available for Insiders. Everyone else will receive this later. You do need to format your text in a Table in order to pull stock information. On the Data tab, click Stocks. Please note: This feature will be gradually released to Insiders over the next several weeks. Insiders are ...
by ThatGuy
Fri Aug 24, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: Tesla Insurance Question and how to get out of the deposit
Replies: 26
Views: 3818

Re: Tesla Insurance Question and how to get out of the deposit

Folks, Wanted to report back on the action I took. I dropped the price of the Tesla Model 3 to the bare minimum configuration allowed as of now and resubmitted to my insurance company for a real quote using a real VIN. They came back with a much reasonable quote. Was only $50 more per month for a b...
by ThatGuy
Wed Aug 15, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Compensation negotiation
Replies: 10
Views: 720

Re: Compensation negotiation

If your state is like California, then short circuit all of this nonsense and just ask for the salary range. Of course, recruiters seem to stop bothering me once I demand a pay scale. (c) An employer, upon reasonable request, shall provide the pay scale for a position to an applicant applying for em...
by ThatGuy
Wed Aug 08, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16239

Re: Will you pay for your kids' college/graduate education?

Great now just move to PA. As you and so many others have DELIBERATELY attempted is to mention tuition rates for INSTATE kids. So your best example is 20k for potentially multiple kids x multiple years IF you are instate PA resident. I will stick to my original point that it is not easy to do for l...
by ThatGuy
Wed Aug 08, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16239

Re: Will you pay for your kids' college/graduate education?

(Side point: many schools require freshmen to live on campus in university housing, so one can't automatically discount room and board as not really part of the cost.) The point is that your child has to eat and sleep somewhere whether they go to college or not. That's a sunk cost no matter what yo...
by ThatGuy
Wed Aug 08, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: What (simple) desktop to buy
Replies: 29
Views: 1442

Re: What (simple) desktop to buy

I'd get a NUC. They just "launched" the 8th generation of these but I don't see preorder dates anywhere. You can still get 7th gen for cheap here . I moved my own parent over to a chromebook even though I don't use Google for privacy concerns. I've come to the conclusion that most people just won't ...
by ThatGuy
Wed Aug 08, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16239

Re: Will you pay for your kids' college/graduate education?

It's well documented that college costs have outpaced inflation by a large margin over the past couple decades. Tuition at private schools in the Northeast run around 52k/year. That's spectacular, and real. Did you read the first word in that post you quoted? It was public. The post also included t...
by ThatGuy
Wed Aug 08, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 14572

Re: "Age in Bonds" fails almost everyone

In fact, I'm going to make up a phrase right now. 70-30 before I'm forty. How does that sound? Does that get to be cute enough to be thrown around now as a rule of thumb? Maximum tolerable loss x 2 = Maximum equity allocation Just because it's cute, doesn't mean it's good advice. Just to be clear, ...
by ThatGuy
Mon Aug 06, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16239

Re: Will you pay for your kids' college/graduate education?

Great news! You can't do that! Students are limited in what they can borrow, it would be hard to graduate with more than about $30K in debt. Parents can borrow substantially more through Parent Plus loans, or could even co-sign commercial loans for their students. But that would be the parents' (st...
by ThatGuy
Mon Aug 06, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16239

Re: Will you pay for your kids' college/graduate education?

The only realities are: 1. College and graduate school costs have increased for EVERYONE since they last went to school (20 years ago+), 2. Paying for college costs are expensive and for most will have some dent to their personal savings themselves for retirement, and 3. College debt is starting be...
by ThatGuy
Thu Jul 26, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Moral dilemma - What would you do?
Replies: 54
Views: 5935

Re: Moral dilemma - What would you do?

That's his hope that giantcorp would reject the bad proposal as he is presenting both the options. That changes things drastically. If he is presenting his preferred option, as well as an alternative that he doesn't like, that actually speaks well of his company and the transparency with the client...
by ThatGuy
Thu Jul 26, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 10490

Re: Toughest Purchase of my Life. Engagement Ring time

By the way, De Beers to start selling man made diamonds.
CNN Money wrote:Jewelry from the brand will go on sale in September. De Beers said prices will start at $200 for a quarter carat, and increase to $800 for a full carat stone.
by ThatGuy
Thu Jul 26, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 10490

Re: Toughest Purchase of my Life. Engagement Ring time

How can I get over this? Any advice? Will this purchase seem like peanuts as time passes? I learned a few years back that I will agonize endlessly about a purchase before making it. Lots and lots of analysis, and temporizing over whether I should even make the purchase. The larger the dollar amount...
by ThatGuy
Thu Jul 26, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Flooring: Hard wood vs Ceramic Tile that looks like wood
Replies: 26
Views: 2832

Re: Flooring: Hard wood vs Ceramic Tile that looks like wood

Ceramic that looks like wood... doesn't really look like wood. You can tell it's printed, and the grout lines are a dead giveaway. That said, it's not bad looking tile. Do it because tile fits your lifestyle and you like the colors, not because you think it passes for wood. And if you go with tile, ...
by ThatGuy
Tue Jul 17, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: California Homeowners - Do you have earthquake insurance?
Replies: 21
Views: 2233

Re: California Homeowners - Do you have earthquake insurance?

Big Dog wrote:
Tue Jul 17, 2018 8:43 am
Moreover, home mortgages are non-recourse. The lender could take your plot of land, but cannot go after you for the balance.
My understanding, in California, is that this is only true for your first mortgage. If you refinance all of a sudden they can go after you for any residual balance.
by ThatGuy
Tue Jul 17, 2018 7:20 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 10640

Re: Amazon Prime Day 2018

Ninnie wrote:
Tue Jul 17, 2018 6:13 am
A few movies I had my eye on were actually priced higher. So much for that.
The 4-5 items I checked on CamelCamelCamel were all priced at the highest price in the last 12 months...

Amazon pricing just seems to suck in the past few years.
by ThatGuy
Sun Jul 01, 2018 6:05 am
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 12176

Re: $1 million house--- sanity check

Nate79 wrote:
Sat Jun 30, 2018 7:26 pm
What is absurd is that people think because they live in HCOL that math doesn't apply to their special circumstances.
What is really absurd is people that don't understand that a multiple of income ignores the effect of interest rates on monthly payments.
by ThatGuy
Fri Jun 15, 2018 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 13443

Re: MD&P just purchased X / sold Y [md&pharmacist]

- amount = shares - fund (as of 6/15/2018) $291,437.17 = 1,129.689 - VFIAX (Vanguard 500 Admiral) $32,675.52 = 655.214 - VQNPX (Vanguard Growth and Income) $5,837.29 = 244.034 - VWNDX (Vanguard Windsor Fund) $89,407.53 = 4896.360 - UNPIX (Profunds Ultra International Fund) $194,301.02 = 7205.005 - ...
by ThatGuy
Thu Apr 26, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 12147

Re: Wedding - financial burden on couple and attendees

I agree with this. It does seem like the younger generation has a more selfish way of looking at things and is more concerned with doing things their way regardless of how it affects others, including family members, whereas it is more traditional (and I think less selfish) to consider how the choi...
by ThatGuy
Wed Apr 25, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: FIRE and health insurance
Replies: 25
Views: 4681

Re: FIRE and health insurance

So my big question is if I forgo the significant pension payout by teaching until I am 60, how do I insure my youngest who will be 18 if I retired at 54? If I read this correctly, you are NOT worried about health insurance for yourself, only for your youngest child? If it is correct that your healt...
by ThatGuy
Mon Apr 23, 2018 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: "How to Engineer your Layoff" book, has anyone read it?
Replies: 27
Views: 7487

Re: "How to Engineer your Layoff" book, has anyone read it?

Wow, these lifestyle bloggers really like to misappropriate words, don't they? I should write a book called "How to quantize your slavery into bliss!"
by ThatGuy
Fri Apr 20, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Guaranty appraisal on real estate. Good idea? This must be a bubble?
Replies: 21
Views: 1671

Re: Guaranty appraisal on real estate. Good idea? This must be a bubble?

kjvmartin wrote:
Fri Apr 20, 2018 12:00 pm
The house we lost today was listed for $235,000. Four years ago, relatives bought a similar house in the same neighborhood for 98k.

...

Thoughts on this?

It could be worse. Condemned Home in Fremont Sells for $1.23 Million
by ThatGuy
Fri Apr 20, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Good Dad, Bad Dad [pay for son's driving expenses (or not)]
Replies: 49
Views: 4189

Re: Good Dad, Bad Dad

Generally it is a major pain finding parking, and then he still may end up taking a bus around campus to get to his classes. When I was in college, it was faster for me to bike from my off campus residence to my first class than it was to drive, find parking, and walk in from the distance parking l...
by ThatGuy
Thu Apr 19, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 5405

Re: Another discussion about private vs public schools?

Standardized testing encourages a narrow scope of memorization and "teaching to the test" rather than development of natural curiosity, critical thinking and deeper understanding of the material. It would be interesting to hear some Boglehead teachers weigh in on this, as I know we have quite a few...
by ThatGuy
Thu Apr 19, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 5405

Re: Another discussion about private vs public schools?

If you don't know how to compare a public school in the South to a public school in the North, how are you coming to the conclusion that the private school is a good one?

What metrics are you looking at, and what do you think you are missing?
by ThatGuy
Wed Apr 04, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 6174

Re: VHCOL Home Buying Advice (Bay Area, where else?)

Be sure to also consider the earthquake risk when weighing the overall risk of different areas. When I was there I was thinking of buying my first house there and when I looked into the risk of earthquake damage the best I could come up with was that if I owned a house there then it might have sign...