Search found 802 matches

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: 173
Views: 9755

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: 10544

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: 4007

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: 5930

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: 1442

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: 3753

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: 4650

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: 4650

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: 5293

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...
by ThatGuy
Wed Apr 04, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 5293

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

I viewed this through the lense of keeping my housing expenses constant even when I purchased a home. This meant since my rents was $2100 I allowed my mortgage to be no more than $2100. If you traded a rent of $2,100 per month for a mortgage of $2,100, then your housing cost went up. Things like pr...
by ThatGuy
Wed Apr 04, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: VHCOL Home Buying Advice (Bay Area, where else?)
Replies: 65
Views: 5293

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

skteam wrote:
Wed Apr 04, 2018 12:03 pm
Prop 13 in California also makes regular home "upgrades" an expensive thing to do.
Listen to this guy. Prop 13 highly incentivizes buying one dream home and never moving. And then passing it on to your children/grandchildren so they can pay next to nothing in inflation adjusted property tax.
by ThatGuy
Wed Apr 04, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-
Replies: 136
Views: 11006

Re: This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-

They buy a house at 3.5 times or more of their gross pay in advance of their baby being born . One good reason to do this is because when going for a mortgage they require you to account for how you're going to supervise children under 12. Daycare costs can really screw up financing, especially in ...
by ThatGuy
Wed Apr 04, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-
Replies: 136
Views: 11006

Re: This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-

One good reason to do this is because when going for a mortgage they require you to account for how you're going to supervise children under 12. Daycare costs can really screw up financing, especially in HCOL areas. No baby, no need to account for daycare, larger mortgage, difference between being ...
by ThatGuy
Wed Apr 04, 2018 8:30 am
Forum: Personal Finance (Not Investing)
Topic: This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-
Replies: 136
Views: 11006

Re: This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-

They buy a house at 3.5 times or more of their gross pay in advance of their baby being born . One good reason to do this is because when going for a mortgage they require you to account for how you're going to supervise children under 12. Daycare costs can really screw up financing, especially in ...
by ThatGuy
Tue Mar 13, 2018 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 13162

Re: Need advice re: Liberal Arts Colleges...

Can someone enumerate the differences in critical thinking in a liberal arts degree versus a STEM degree? I stipulate that LA degrees are valuable, in no small part because of the communication skills one learns by writing lots and lots of papers. But I see over and over again that they teach critic...
by ThatGuy
Wed Mar 07, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Donations to your enrolled public school
Replies: 106
Views: 6103

Re: Donations to your enrolled public school

Zero also, as a matter of fact, I have never heard of anyone who donates anything to the public school system. I could think of a hundred other places that would be more deserving than that!!! OMG. You don't see the value in having good schools? Do you have kids? Even people without children or wit...
by ThatGuy
Wed Mar 07, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Affordable Alternatives to Engineering Software
Replies: 10
Views: 926

Re: Affordable Alternatives to Engineering Software

If you have a *.edu email address you can get anything by Autodesk for free for 3 years. If you don't have a *.edu address, you can probably obtain one from your alumni association, or by applying to your local Community College whether you register for classes or not. Autodesk has 3D CAD called Inv...
by ThatGuy
Tue Mar 06, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Donations to your enrolled public school
Replies: 106
Views: 6103

Re: Donations to your enrolled public school

In many cases, the "discretionary"/extra money is spent on special ed, remedial programs, teacher pensions, or after-school programs that don't impact the average student. I highly doubt this extra money is spent on special education any more than it is spent on regular education. Schools are alloc...
by ThatGuy
Sun Mar 04, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Bathroom remodel decision
Replies: 41
Views: 2319

Re: Bathroom remodel decision

We are trying to decide when remodeling our master bathroom if it is better to change the sink to a double sink (tax assessed item) or make the shower larger (not tax assessed). The tax assessment notwithstanding, we are wondering which would be more attractive to buyers when we go to sell. There i...
by ThatGuy
Mon Feb 26, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: Strategies for getting out of a car dealership quickly?
Replies: 78
Views: 7266

Re: Strategies for getting out of a car dealership quickly?

If you cancel within 30 days, you pay nothing (this is the only reason I signed up, figured I could call and cancel after reading through it). If you financed this vehicle, please be aware that when you cancel they will likely not change your monthly payment. The return of your money will most like...
by ThatGuy
Sat Feb 24, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Knob and Tube rewire cost
Replies: 28
Views: 2951

Re: Knob and Tube rewire cost

I am still trying to understand how a 1954 home can have knob and tube. The contractor cheaped out. Homes in my area were built in the early '50s as well, and not only did they have knob and tube wiring (some still do), but orangeburg pipe was installed. Orangeburg pipe is bitumenized fiber pipe ma...
by ThatGuy
Thu Feb 22, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Military FIRE; 7 years to go & losing motivation--HELP!
Replies: 36
Views: 3602

Re: Military FIRE; 7 years to go & losing motivation--HELP!

I don't know the specifics, but a coworker's spouse transferred from the Army into a full-time National Guard position at the same rank. They've not had to PCS since then. Along the same lines, what if you transferred to a the active component of a reserve unit? They still need people there all week...
by ThatGuy
Sat Jan 27, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Quit jobs to gain lower EFC [Expected Family Contribution]
Replies: 111
Views: 9577

Re: Quit jobs to gain lower EFC

Since both US and International total market index funds are up more than 20% so far this year, the OP's portfolio has probably made more than $100,000 and possibly more than $200,000 this year. I know Vanguard and Yahoo Finance say that these funds are up ~20% YTD, but if you look at how that's ca...
by ThatGuy
Wed Dec 13, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: To buy or not in the SF Bay Area (yes another one)
Replies: 24
Views: 2931

Re: To buy or not in the SF Bay Area (yes another one)

Short commutes, in particular being able to walk/bike to work, is life changing. I would not give that up without a significant increase in another part of life. Do you have family in the area? Without ties to the area I would suggest ignoring the siren call to buy. My block appears to have more tha...
by ThatGuy
Fri Dec 01, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: For Musk, an Energy Feat the Size of a Football Field
Replies: 52
Views: 2620

Re: For Musk, an Energy Feat the Size of a Football Field

ThatGuy, I’m curious how the interview went. On a scale of 1-10, how tough would you say it is? I'd say a 7-8. It was not particularly technically challenging, they asked undergrad questions, but they were very exacting in wanting you to get 100% of their answers. I noticed walking around, and meet...
by ThatGuy
Fri Dec 01, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: For Musk, an Energy Feat the Size of a Football Field
Replies: 52
Views: 2620

Re: For Musk, an Energy Feat the Size of a Football Field

He made electric cars cool again. I don't own any tesla products or stocks. As far as I am concerned he is a genius and he deserves a lot of respect for what he does. I want him to succeed. Musk is obviously highly intelligent, driven, and has done quite a bit to move the industries he is intereste...
by ThatGuy
Sun Nov 19, 2017 11:55 am
Forum: Investing - Theory, News & General
Topic: is Amazon a monopoly?
Replies: 15
Views: 1072

Re: is Amazon a monopoly?

That I agree with. Deep under the hood there isn't much difference between Facebook or Google and Equifax but people using tech company products don't see it that way. One major difference is that a person chooses to give Google and Facebook* their information by actively signing up for an account....
by ThatGuy
Wed Nov 15, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Chromebook/Similar for Elderly Dad
Replies: 30
Views: 2412

Re: Chromebook/Similar for Elderly Dad

I've been through this. I recommend the ASUS C202SA . it's intended for small children, which is a good thing. For instance, the keyboard is resistant to spilled drinks, the edges are rubber coated to protect against falls, etc. Normally I'm against laptops unless you need the portability. I'm also ...
by ThatGuy
Thu Nov 09, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 5880

Re: Worth changing 40 gal. to 30gal. hot water tank?

Do you mean worth it in terms of dollars saved from energy cost? From an energy perspective, the difference between a 12 year old tank and a new tank is probably greater than the difference between 30 and 40. You could also buy a 40 gal that uses less energy than a 30 gallon. Each one has a label o...
by ThatGuy
Mon Oct 09, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 18414

Re: [Boglehead vs Mr Money Mustache philosophies]

Bogleheads: Can't retire if you have less than $5M because you need to spend $100K/year and you might end up in a Alzheimer's care unit for more than 10 years. MMM: Tell everyone you retired early but start secret businesses repairing/flipping houses and selling soap on etsy. Well done sir, you hav...
by ThatGuy
Sun Oct 08, 2017 3:14 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 624
Views: 68478

Re: Picking College and College Scholarships

TomatoTomahto wrote:
Sat Oct 07, 2017 4:27 pm
I have a lot of experience with Y students. I have less experience with H students and grads, but many grads seem to mention that they attended H within minutes of meeting, something that doesn’t seem to happen as quickly (if at all) with Y grads (hmmmmm).
Do their parents?
by ThatGuy
Sat Oct 07, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 624
Views: 68478

Re: Picking College and College Scholarships

TomatoTomahto wrote:
Fri Oct 06, 2017 7:57 pm
Harvard and Yale, for example, accept students with roughly comparable SATs, GPAs, etc., but I think I could spot a Harvard-fit vs. a Yale-fit at a thousand yards.
So what makes a Harvard man, vs. a Yale man, other than being a Kennedy? Or a Rutgers man?
by ThatGuy
Fri Sep 29, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 17973

Re: Bay Area Real Estate

One future trend that I would imagine will eventually lead to a big housing unlock in CA will be the eventual demise of the boomers. Not to be too morbid, but a lot of the housing supply is long held by people in their 60’s through 80’s who will not be around forever. I don’t know what percentage o...
by ThatGuy
Tue Aug 15, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 7518

Re: Plan for making child pay for part of college

I encourage all parents of prospective college goers to look at the student budgets posted on their state flagship websites. For instance, for UC Berkeley, tuition and fees combined are $14,068 . Room & board is another $15,716 if you live on campus. In a previous post I noted that public colleges a...
by ThatGuy
Tue Aug 15, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 7518

Re: Plan for making child pay for part of college

Just to be clear, federal loans do not require a cosigner and are not dischargeable through bankruptcy. A family member has around $200k of these loans and no cosigner. That's not possible. Take a look at this government site to see that the maximum total is $138,500; and that's only if they are an...
by ThatGuy
Fri Aug 04, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Garage ceiling bike storage
Replies: 21
Views: 1759

Re: Garage ceiling bike storage

Depends on what orientation you want. I prefer hanging my bike by the frame so I don't have to swing the bike around to a different orientation. I use the cheapo big box store hooks: Rubbermaid FastTrack But if you want to go couture there are other options: Cycloc Solo Delta Cycle Michelangelo Sari...
by ThatGuy
Wed Aug 02, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Will my older self thank me?
Replies: 38
Views: 3679

Re: Will my older self thank me?

I live a very want vs need lifestyle. I have friends that laugh at me for the clothes I wear, since I never "waste" my money, etc. I personally rather invest it. Are there experiences or goods that you would like to purchase, but don't due to the savings number? My grandfather is older than Mr. Lar...
by ThatGuy
Sat Jul 29, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Philosophy major and future law student
Replies: 93
Views: 6673

Re: Philosophy major and future law student

I have never been in a position to hire anyone, but I really find this paragraph from the web page hard to believe. . Let’s face it: when you go to a job interview with a company, and you let them know that you are a philosophy major, your personal stock goes up. It shows that you are intrigued by ...
by ThatGuy
Mon Jul 24, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 143
Views: 16157

Re: Another bay area housing thread..

We currently live and rent in the South Bay. The reason why we don't have large assets/NW because we were both in school getting advanced degrees for much of our 20s. So we're behind in terms of savings. Think about how far you are willing to commute. And recognize that the commute will only get wo...
by ThatGuy
Mon Jul 24, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 135
Views: 12658

Re: Is Amazon Prime worth it?

For my money, you're not missing anything, Amazon Prime isn't worth the expense and hassle. I canceled my Prime membership two years ago. I don't find much value in their "free" digital offerings, they always seem to be C level products. I also dislike paying for shipping. At this point I feel that...
by ThatGuy
Fri Jul 21, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Denver or Portland for a 2nd home
Replies: 66
Views: 6529

Re: Denver or Portland for a 2nd home

Not what you asked but why do you want to tie yourself to one place in retirement when you have no other point of going there then recreation? Explore! Spend 3 mos one place and 3 mos another. 500k pays a lot of rental fees and with Airbnb you should always be able to find short term rentals places...
by ThatGuy
Wed Jul 19, 2017 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for a house around San Jose, CA
Replies: 36
Views: 4420

Re: Looking for a house around San Jose, CA

I'm in Atlanta now and if you are not in a real prime area $400K will get you a McMansion like this one which is in a desirable suburb near many high tech employers. http://www.realtor.com/realestateandhomes-detail/230-Mirrowood-Dr_Alpharetta_GA_30005_M58118-29269#photo0 To each their own... That p...
by ThatGuy
Sat Jul 08, 2017 4:46 pm
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 53
Views: 6136

Re: What to wear for job interview - skip the tie?

tim1999 wrote:... sort of like engineering, not tech/IT related.
If you're going to look at physical hardware, skip the tie and the suit. If you're wearing clothing/shoes the interviewers have to worry about, it will change the trajectory of the interview.
by ThatGuy
Sat Jul 01, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Advice on Desktop PC
Replies: 87
Views: 6638

Re: Advice on Desktop PC

You don't need a desktop PC for what you want to do. Get a cheap laptop in the $400-$500 range and get a Bluetooth speaker ($100) and chromecast ($35). Some of us prefer a desktop. The ergonomics of a laptop are HORRIBLE. I can't imagine being comfortable watching movies/tv with my neck cranked ove...
by ThatGuy
Sat Jul 01, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: DIY termite control
Replies: 14
Views: 2130

Re: DIY termite control

If you're replacing that much of the frame, it might be worth it to look into a shield such as: http://www.h-b.com/index.php?main_page=product_info&products_id=182 Building Science just put out an article on how the Hawaiians deal with termites: https://buildingscience.com/documents/building-science...
by ThatGuy
Sun Mar 19, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: cost of Solar Power
Replies: 99
Views: 9524

Re: cost of Solar Power

You may wish to hold off. Solar systems should be getting cheaper soon. Also, Tesla will start producing them with more aesthetically appealing tiles rather than the black tiles you normally see which may diminish a house's value. Solar tiles are not a new product, at least on this side of the Atla...
by ThatGuy
Sat Mar 04, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Building a video game PC with an 8 year old?
Replies: 9
Views: 780

Re: Building a video game PC with an 8 year old?

RetroArch/ lakka.tv and a Raspberry Pi . You're done for under $100 and if your son wants to program or measure things all it takes is swapping out an SD card. For instance, the default distro includeds minecraft. If you really have your heart set on games other than emulators just get one of the Ka...
by ThatGuy
Tue Nov 29, 2016 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Plans
Replies: 5
Views: 870

Re: 529 Plans

If the parents are deadbeats, what are the chances of the infant even making it into college? My understanding is that 529s cannot be used for private high school, only college. I would think help during the child's primary school years would go a LOT farther than a college account. Help does not ha...
by ThatGuy
Sat Oct 01, 2016 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Calling all Teachers!
Replies: 33
Views: 3415

Re: Calling all Teachers! [Career change - Engineer to Teacher]

...that is twice as much work for half the pay. Welcome to public service! I'll buy that for high level public service jobs, say Secretary of State or Chief Justice of the Supreme Court. All I have to do is walk into my local city hall or VA to realize that this does not hold true for front-line po...