Search found 940 matches

by ThatGuy
Sun Apr 05, 2020 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Online will
Replies: 21
Views: 875

Re: Online will

Be really careful with this. The common mistakes I see are: 1) People don't execute them right in terms of signing WITH the witnesses present. Likely not legally valid then. 2) Some people think of their parents as being of simple means but that house, if they own one, could cause an expensive prob...
by ThatGuy
Sun Mar 29, 2020 10:35 am
Forum: Personal Finance (Not Investing)
Topic: How will coronavirus affect housing choices? Do walkable suburbs win?
Replies: 19
Views: 2121

Re: How will coronavirus affect housing choices? Do walkable suburbs win?

I see the opposite happening. I see an increase in people moving to SF and then wanting to buy a Tahoe home for the weekend getaway. Basically what's been happening in NYC for ages. Work from home is great for individual contributors, but it's difficult to climb corporate Donkey Kong (shamelessly st...
by ThatGuy
Mon Mar 16, 2020 4:02 pm
Forum: Personal Investments
Topic: Anyone Rebalancing Today, 3/16/20?
Replies: 36
Views: 2134

Re: Anyone Rebalancing Today, 3/16/20?

Yep, waited until the afternoon press conference and saw the market dropping. So I Tax Loss Harvested for the first time duing the current panic. I nibbled a bit from bonds to stocks last week, but I ran out of time to nibble today. I'll nibble tomorrow if we don't "bounce", and take a large bite af...
by ThatGuy
Sun Mar 15, 2020 12:32 pm
Forum: Investing - Theory, News & General
Topic: So what does shutting down the US economy for a few months look like?
Replies: 200
Views: 14969

Re: So what does shutting down the US economy for a few months look like?

Please consider purchasing gift cards to your favorite businesses. Bonus points if they're small and local.

They get the cash now, so they can keep people employed, and you can still use it later.
by ThatGuy
Sun Mar 08, 2020 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Help me understand why I need uninsured, underinsured motorist liability and medical payments.
Replies: 50
Views: 3820

Re: Help me understand why I need uninsured, underinsured motorist liability and medical payments.

... You also want your medical treatment to be paid for without explaining to your health insurer that it is due to a car accident. ... Why would explaining that be an issue? Not sure about the "explaining" word choice, but standard health insurance isn't first-payer if the injured party is covered...
by ThatGuy
Thu Feb 06, 2020 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Tech Jobs (Defense vs. FAANG)
Replies: 21
Views: 2847

Re: Tech Jobs (Defense vs. FAANG)

Do you have options regarding what OS you can use (probably not at Apple :D )? (I've grown to detest Windows.) Even Apple uses Windows, software such as ANSYS doesn't run on macOS. Everywhere I've been, getting the tool I want has been a challenge. Some other yahoo spent money on their favorite too...
by ThatGuy
Thu Jan 09, 2020 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Living in a HCOL and making a middle class salary is a struggle
Replies: 340
Views: 20220

Re: Living in a HCOL and making a middle class salary is a struggle

phxjcc wrote:
Thu Jan 09, 2020 6:09 pm
Yes, all you naysayers can say that he is not middle class...but the point is that the NE is expensive, if you haven't lived there you have NO IDEA.
Many of us naysayers live in the Bay Area. Our housings costs are much higher than even Westchester :sharebeer
by ThatGuy
Thu Jan 09, 2020 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Living in a HCOL and making a middle class salary is a struggle
Replies: 340
Views: 20220

Re: Living in a HCOL and making a middle class salary is a struggle

Boy, this is still going on. Pew Research defines middle income as: those with an income that is two-thirds to double the U.S. median household income By this definition, 230,000 - 2 * 92,758 (I'm using the Westchester median) is $44,484. This means the OP makes about ~$45,000 more than the middle c...
by ThatGuy
Tue Jan 07, 2020 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Living in a HCOL and making a middle class salary is a struggle
Replies: 340
Views: 20220

Re: Living in a HCOL and making a middle class salary is a struggle

I don’t think median income is helpful as the OP is not competing against the 62 year old couple with a paid off home. OP is competing against other families looking for seats in decent school districts and saving for college at today’s prices. Middle class only includes dual earner families? News ...
by ThatGuy
Tue Jan 07, 2020 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Living in a HCOL and making a middle class salary is a struggle
Replies: 340
Views: 20220

Re: Living in a HCOL and making a middle class salary is a struggle

Ha ha. Funny that you think $230K is middle class. First thing I'd do is gain a little insight into your actual financial situation. Everyone likes to think they're middle class. Guess what? You're not Westchester county has a median household income of $92,758, and a per capita income of $54,572. ...
by ThatGuy
Wed Dec 18, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Gifts to your employees- how much?
Replies: 113
Views: 7243

Re: Gifts to your employees- how much?

A year end bonus is a gift too. So don't be smug about being a professional and above a gift, but take a bonus. A bonus is almost always written into a contract, and predicated on performance of both the individual and the company. gift noun something given voluntarily without payment in return, as...
by ThatGuy
Tue Dec 17, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: US Postal Worker - why give them a gift?
Replies: 45
Views: 2270

Re: Does anyone gift their mailman?

Made me think of this happy dance video.

https://www.youtube.com/watch?v=5xQbHpyOcQM
by ThatGuy
Tue Dec 17, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Gifts to your employees- how much?
Replies: 113
Views: 7243

Re: Gifts to your employees- how much?

I never understood this attitude. Reminds me of those people who eat by themselves in their cubicles. If I spend so much time in a place I have friends there. I go to company party to drink and have fun with my friends, not for the company. You can do it outside work, and we do it, but why not for ...
by ThatGuy
Sat Dec 14, 2019 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Gifts to your employees- how much?
Replies: 113
Views: 7243

Re: Gifts to your employees- how much?

The only gift I want from my employer is more money.

No company party, no forced holiday cheer. I'm here for money. Pay me more and leave me alone.
by ThatGuy
Wed Dec 11, 2019 3:26 pm
Forum: Investing - Theory, News & General
Topic: Retiring at 24 - Extreme FIRE is it possible?
Replies: 158
Views: 13423

Re: Retiring at 24 - Extreme FIRE is it possible?

If someone wants to call themselves retired after achieving financial independence, so be it. They can call themselves whatever they want. The real actionable item is whether or not it is a financial model that you yourself would want to use. It becomes very difficult to communicate when you can't ...
by ThatGuy
Mon Dec 02, 2019 10:51 am
Forum: Personal Finance (Not Investing)
Topic: High income and college costs question
Replies: 317
Views: 14829

Re: High income and college costs question

A liberal arts degree is about teaching one to see the bigger picture, to make connections others have difficulty seeing, and additionally, about teaching one to have the interest and capacity to continue to teach themselves for the rest of their life. You just described my undergrad engineering cu...
by ThatGuy
Tue Nov 19, 2019 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: College for average kids
Replies: 126
Views: 14772

Re: College for average kids

btenny wrote:
Tue Mar 19, 2019 2:46 pm
He is a great dad. I am very proud of him.
The highest praise there is.
by ThatGuy
Tue Nov 12, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: Hi Def Audio listening
Replies: 22
Views: 1420

Re: Hi Def Audio listening

Forget all the overpriced retail crap; roll your own! A pi and a HiFiBerry amp2 sound surprisingly good.

Install LibreELEC and have at it.
by ThatGuy
Tue Oct 29, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: Anyone have an issue with Corelle plates?
Replies: 38
Views: 4011

Re: Anyone have an issue with Corelle plates?

Tamarind wrote:
Tue Oct 29, 2019 6:11 am
So far, the only issue I've had is that it can acquire rust stains from my elderly dishwasher's prongs. No breakage yet.
Have you tried scrubbing them with Bar Keep's Friend?
by ThatGuy
Sun Oct 20, 2019 8:44 am
Forum: Personal Consumer Issues
Topic: Wallets [Do you carry a wallet?]
Replies: 102
Views: 9553

Re: Wallets [Do you carry a wallet?]

Remember that the wallet is the purse for the man. It is a convenient place to store everything you could possibly need. Driving license SS card Amex Visa MC Diners card Discover Chevron Shell Costco AAA AARP Work badge Health insurance Prescription med card Grocery club cards for Kroger,Costco, et...
by ThatGuy
Tue Oct 01, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: Architect vs General Contractor? Want to do an addition to house (maybe)
Replies: 21
Views: 1314

Re: Architect vs General Contractor? Want to do an addition to house (maybe)

Similar to Jack, my experience with architects is that they just want to take your money to pursue their artistic sensibility, instead of taking into account silly things like usability. Of course, my experience with contractors is that they don't read the prints because that would add 0.0012 second...
by ThatGuy
Wed Sep 25, 2019 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: IT compensation comparison
Replies: 269
Views: 27599

Re: IT compensation comparison

This reflects what I saw working 15+ years at a megacorp in the Midwest in automotive field. They liked to do everything themselves and had many people developing very sophisticated in-house software. Stuff like 3D CAD modelling and multi-physics simulation. The developers were mostly doing it in c...
by ThatGuy
Tue Sep 17, 2019 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating Salary out of College
Replies: 38
Views: 2822

Re: Negotiating Salary out of College

It might be worth running through the ASME salary. It says students get free usage.

ASME Salary

If it comes back higher you can highlight the various percentiles and prove that the offer is low.
by ThatGuy
Fri Sep 13, 2019 10:22 pm
Forum: Personal Consumer Issues
Topic: What dish soap do you use?
Replies: 54
Views: 3470

Re: What dish soap do you use?

I find a really nice clear glass bottle with a stainless steel pour spout. I fill it mostly with filtered water, then add the clear liquid dish soap. I keep it on the black granite counter right by my sink. It's quick to grab so I can wash dishes right away, then I drain the dishes in the dishwashe...
by ThatGuy
Tue Sep 10, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: SF bay area: high school IB programs [International Baccalaureate]
Replies: 7
Views: 1355

Re: SF bay area: high school IB programs [International Baccalaureate]

Sorry, I don’t live in the Bay Area. When it came time for us to shop for the right IB program and high school, it quickly became apparently that each school district in our metro area only had one or two high schools offering a diploma at all. From there, it was pretty easy to determine which were...
by ThatGuy
Fri Aug 30, 2019 7:12 pm
Forum: Personal Consumer Issues
Topic: College age male: How much money for food?
Replies: 138
Views: 6493

Re: College age male: How much money for food?

livesoft wrote:
Fri Aug 30, 2019 3:39 pm
So are hard-boiled eggs which can go into salads.
Hard-boiled eggs in salad are a delicious way to get some filling protein into a salad.

Cook your eggs in a rice cooker, they come out softer. Bonus points for standing them upright with an egg rack.
by ThatGuy
Thu Aug 29, 2019 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 339
Views: 20962

Re: Selective Colleges

But if a motivated, gifted individual associates with a similar group at the large state school, and this group takes the most challenging courses in their field at the state school,does he not become as well prepared for success financially as the the Ivy League graduate? I know about the proposed...
by ThatGuy
Thu Aug 29, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 339
Views: 20962

Re: Merits of a Selective School

b) 4.0 GPA 1500 SATS parental income of 250k. Gets 0 dollars to go to Harvard, gets full ride to state school A goes to Harvard. B goes to state school. Are you measuring the effects of going to Harvard versus State school or are you measuring the fact effects of being raised in an upper middle cla...
by ThatGuy
Thu Aug 29, 2019 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 339
Views: 20962

Re: Merits of a Selective School

b) 4.0 GPA 1500 SATS parental income of 250k. Gets 0 dollars to go to Harvard, gets full ride to state school A goes to Harvard. B goes to state school. Are you measuring the effects of going to Harvard versus State school or are you measuring the fact effects of being raised in an upper middle cla...
by ThatGuy
Wed Aug 21, 2019 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 339
Views: 20962

Re: Merits of a Selective School

Another point of contention is that I'm unaware of any student who has received a full ride with a high EFC. The states just don't have the money to do that. A lot of the very top schools have instituted a "no debt" policy, which means even students from relatively well off backgrounds get substant...
by ThatGuy
Wed Aug 21, 2019 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 339
Views: 20962

Re: Merits of a Selective School

Another point of contention is that I'm unaware of any student who has received a full ride with a high EFC. The states just don't have the money to do that. A lot of the very top schools have instituted a "no debt" policy, which means even students from relatively well off backgrounds get substant...
by ThatGuy
Wed Aug 21, 2019 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 339
Views: 20962

Re: Merits of a Selective School

I don't think the UCs give much money, so will assume that your link is correct. I think that Regents award also comes with some early registration benefits. Here is a list of the merit awards offered to NMSF and NMF. List is not current for upcoming year, but it will give you an idea of the opport...
by ThatGuy
Tue Aug 20, 2019 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 339
Views: 20962

Re: Merits of a Selective School

b) 4.0 GPA 1500 SATS parental income of 250k. Gets 0 dollars to go to Harvard, gets full ride to state school A goes to Harvard. B goes to state school. Are you measuring the effects of going to Harvard versus State school or are you measuring the fact effects of being raised in an upper middle cla...
by ThatGuy
Tue Aug 20, 2019 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 339
Views: 20962

Re: Merits of a Selective School

b) 4.0 GPA 1500 SATS parental income of 250k. Gets 0 dollars to go to Harvard, gets full ride to state school A goes to Harvard. B goes to state school. Are you measuring the effects of going to Harvard versus State school or are you measuring the fact effects of being raised in an upper middle cla...
by ThatGuy
Fri Aug 16, 2019 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: How to define "HCOL" (high cost of living) areas?
Replies: 79
Views: 5267

Re: How to define "HCOL" (high cost of living) areas?

According to the cite provided by H-Town, here are the top 20 cost of living areas in the U.S.... 1. Palo Alto, California 2. Mountain View, California 3. New York City, New York 4. San Francisco, California 5. Honolulu, Hawaii 6. Oakland, California 7. San Jose, California 8. Boston, Massachusetts...
by ThatGuy
Thu Jul 25, 2019 7:20 am
Forum: Personal Consumer Issues
Topic: Best place to buy Pistachio and Salmon?
Replies: 30
Views: 3504

Re: Best place to buy Pistachio and Salmon?

Does anyone have a good source for hot smoked salmon? The cold stuff at Costco is ... not to my taste.

I fell in love with some salmon I had in Washington, and haven't been able to find anything locally that tastes as good. That, and local farmers market people want obscene prices...
by ThatGuy
Wed Jul 24, 2019 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Decision to buy earthquake insurance
Replies: 40
Views: 2431

Re: Decision to buy earthquake insurance

Would a roughly 1200 home in the Bay Area cost much more than $260k to build? I’m being serious. I’d assume almost all of your home’s value is from its land. A home like yours shouldn’t require expensive materials or whatnot due to the climate. I’m picturing a very basic house with a small kitchen ...
by ThatGuy
Tue Jul 23, 2019 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house - bay area
Replies: 102
Views: 7031

Re: Buying a house - bay area

Historically, they have appreciated at 6%-7%/yr on average. Even if you want to be conservative and assume that this will slow down somewhat, appreciation will still be significant because there is no improvement in sight for the Bay Area supply/demand issue coupled with the increasing wealth and h...
by ThatGuy
Wed Jun 19, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 901
Views: 94449

Re: Why are you NOT buying rental properties?

So out of curiosity, I have an acquaintance who buys junk houses, fixes them up enough to qualify for Section 8 housing and then puts Section 8 renters in them. He claims this is a great deal because the government makes sure he gets his money on time and supervises the renters to insure they don't...
by ThatGuy
Wed Jun 19, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 901
Views: 94449

Re: Why are you NOT buying rental properties?

tomtoms wrote:
Wed Jun 19, 2019 1:23 pm
Yet you don’t have a problem with working 9 to 5 for the next 40 years.
Being a wage slave ain't that bad when you can do it from home. Besides, many of us Boglehead wage slaves don't intend to do it for 40 years.
by ThatGuy
Mon Jun 17, 2019 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 901
Views: 94449

Re: Why are you NOT buying rental properties?

Real estate vs oil company is not a very good comparison. Residential real estate is probably the business with the lowest barrier of entry, and it requires no specialized knowledge. Oil drilling is something much more capital intensive and risky. Which begs the question, if there is such a low bar...
by ThatGuy
Thu Jun 06, 2019 2:26 pm
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 4335

Re: Does a big family need 2 big cars? Question for 3 kid+ families

We should all be driving suburbans and living in 10 bedroom homes, because someday, maybe, you might have to transport a whole bunch of extra people or your entire family may decide to visit at the same time and refuse to sleep on couches. Why pay a premium every day because of the minute risk that...
by ThatGuy
Sat Jun 01, 2019 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: How do BH define Cost of Living Cities
Replies: 48
Views: 2998

Re: How do BH define Cost of Living Cities

If you can buy a Single-family house of 2,000 to 3,000 square feet at around 200K, it is an MCOL area. Anything lower than that, it is LCOL. Anything higher than that, it is HCOL or VHCOL. I'm probably going to regret responding to this, but 2,000-3,0000 square feet at $200k strikes me as really ch...
by ThatGuy
Thu May 30, 2019 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to pay for our kid's college (at all)?
Replies: 234
Views: 16178

Re: Can we afford to pay for our kid's college (at all)?

I've not seen it mentioned, but can your son defer his acceptance for a year? Most schools allow this, and it gives you an extra 12 months to get your finances in order.

Your son could also get a McJob and mature a bit in the intervening 12 months, while still knowing he's going to college.
by ThatGuy
Sat May 25, 2019 7:50 am
Forum: Personal Consumer Issues
Topic: Low Flow Shower Heads
Replies: 11
Views: 1267

Re: Low Flow Shower Heads

High Sierra Showerheads is the manufacturer to look at. I like the High Sierra Classic , but if you want somethinig that looks a little less institutional you can go for the High Sierra Half Dome . They're also featured on Wirecutter . It’s the most powerful low-flow showerhead we tested, spraying d...
by ThatGuy
Wed May 15, 2019 6:35 am
Forum: Personal Consumer Issues
Topic: Chrome or Brushed Nickel [Bathroom fixtures]
Replies: 29
Views: 5584

Re: Chrome or Brushed Nickel

Nickel is too warm for my taste, so brushed chrome.

Image

Image
by ThatGuy
Thu Apr 18, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: College admission inputs - Purdue vs local SJSU vs others
Replies: 58
Views: 3972

Re: College admission inputs - Purdue vs local SJSU vs others

SJSU is fine, and will not limit his opportunity to get into a local company. Several local giants directly support the CS program at SJSU.

IF, and only IF, prestige is of concern I'd look at the Transfer Admission Gaurantee. He can get into UCSC or UCD with this program.
by ThatGuy
Tue Apr 16, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 11858

Re: seriously thinking about leaving S. CA but where to?

There is something called Köppen climate classification . Here is Köppen–Geiger climate classification for the world. https://upload.wikimedia.org/wikipedia/commons/thumb/d/d5/Köppen-Geiger_Climate_Classification_Map.png/2560px-Köppen-Geiger_Climate_Classification_Map.png California coast looks to ...
by ThatGuy
Wed Apr 10, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: Add more value to undergrad application during high school
Replies: 42
Views: 2396

Re: Add more value to undergrad application during high school

The person probably could increase his B+ grades to A- with a little attention. But the important thing to focus on is 'do your best'. If a B+ is the best for that individual, then it's something to be proud of. The difficult thing here is being honest about whether one is doing one's 'best'. That ...