Search found 254 matches

by supalong52
Wed Jul 08, 2020 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Move from Bay Area?
Replies: 34
Views: 3516

Re: Move from Bay Area?

We moved from the Peninsula to North County San Diego a few years ago. Warmer in the winter and cooler in the summer. Much more laid back and family friendly. We might have too many people moving here though!
by supalong52
Wed Jul 08, 2020 3:53 pm
Forum: Personal Consumer Issues
Topic: Brooks Brothers Bankruptcy - Quality Issues
Replies: 52
Views: 5264

Re: Brooks Brothers Bankruptcy - Quality Issues

BB suits haven't been what they used to be for a while now. A few years ago I bought a Benjamin suit from eHaberdasher. It's my only suit now as I've divested my Canali and Zegna suits.
by supalong52
Tue Jul 07, 2020 9:15 pm
Forum: Personal Consumer Issues
Topic: How would permanent WFH reshape Silicon Valley?
Replies: 77
Views: 5809

Re: How would permanent WFH reshape Silicon Valley?

When we lived in the Bay Area we purposefully lived in cheaper places to save money on rent. I can't imagine being trapped in a 700 sqft 1 bedroom apartment with my wife, both working or milling around home. We ended up leaving for a much nicer (in our opinion) place in So Cal with plenty of room an...
by supalong52
Mon Jul 06, 2020 4:51 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?
Replies: 153
Views: 7513

Re: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?

Here are some other stealth wealth brands. Launer (Royal Warrant holder and pursemaker of choice of QEII) and Valextra. Understated but high quality.
by supalong52
Mon Jul 06, 2020 4:42 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?
Replies: 153
Views: 7513

Re: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?

There are a lot of nice wallet brands. LV is probably the most ostentatious one I can think of. Would be pretty low on my list. The quality is not up there either compared to brands like Hermes. I bought a Kiton wallet once -- not at retail -- and it was nice but I decided to just stick with the CK ...
by supalong52
Tue Jun 30, 2020 5:07 pm
Forum: Investing - Theory, News & General
Topic: My next move: 1 M in gold and 1 M in Zoom
Replies: 75
Views: 3884

Re: My next move: 1 M in gold and 1 M in Zoom

Even if Zoom were a good pick, haven't you missed the boat? I think the market knows about Zoom and has reacted appropriately. Buying Zoom in January on the other hand would have been prescient.
by supalong52
Mon Jun 29, 2020 5:12 pm
Forum: Personal Consumer Issues
Topic: Best watch for $5,000+
Replies: 98
Views: 7352

Re: Best watch for $5,000+

I feel like people should post more pictures in threads like these! Saves us plebs from having to Google watch models.
by supalong52
Sun Jun 28, 2020 5:26 pm
Forum: Personal Investments
Topic: I want to leave Raymond James -- Please help me decide where to go.
Replies: 57
Views: 2564

Re: I want to leave Raymond James -- Please help me decide where to go.

I wouldn't move around taxable funds too readily unless you want to trigger capital gains taxes. There are no tax consequences if you transfer in-kind. I'm commenting on this from the OP: — I want to get rid of VT and purchase VXUS (20-40% of overall AA; still deciding on exact amount; VTI/BND with...
by supalong52
Sun Jun 28, 2020 12:48 pm
Forum: Personal Investments
Topic: I want to leave Raymond James -- Please help me decide where to go.
Replies: 57
Views: 2564

Re: I want to leave Raymond James -- Please help me decide where to go.

You can't go wrong with either Vanguard or Fidelity. In terms of security, Vanguard supports Yubikey but provides an easy workaround. Fidelity supports VIP access with no workaround other than calling support. I wouldn't move around taxable funds too readily unless you want to trigger capital gains ...
by supalong52
Sat Jun 27, 2020 6:08 pm
Forum: Personal Investments
Topic: Citi Bank Versus Saint Mary's for a rainy cash account
Replies: 6
Views: 320

Re: Citi Bank Versus Saint Mary's for a rainy cash account

They are notorious for getting you in the door then changing terms. They used to come up with a new savings account package and give it some special name then after a few months drop the rate by a huge amount. Then they come up with a new and different savings account name and then give that a good ...
by supalong52
Sat Jun 27, 2020 5:44 pm
Forum: Personal Investments
Topic: Citi Bank Versus Saint Mary's for a rainy cash account
Replies: 6
Views: 320

Re: Citi Bank Versus Saint Mary's for a rainy cash account

I would stay away from Citi. Their initial offers are often attractive but then the 180 will give you whiplash.
by supalong52
Sat Jun 27, 2020 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer in Bay area - things to consider?
Replies: 68
Views: 6551

Re: Job offer in Bay area - things to consider?

Lived in NYC for a few years after college then moved to the Bay area. Was getting tired of the crowds in NYC and felt trapped. The Bay area was a great change of pace at the beginning and I felt free. But over the years the culture changed so much... Like a cancer. Rampant greed and homelessness. I...
by supalong52
Fri Jun 26, 2020 5:42 pm
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 221
Views: 11474

Re: What is the single best piece of exercise equipment you bought for your home?

Another vote for power rack + barbell. +1. No better exercise than squats. Deadlifts? If I had to choose which one is better, I would say squats. Just because Rippetoe told me that. I like to deadlift way more than squat, though. And straight bar bench press should be banned. Shoulders aren't meant...
by supalong52
Fri Jun 26, 2020 5:23 pm
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 221
Views: 11474

Re: What is the single best piece of exercise equipment you bought for your home?

simplesimon wrote:
Wed Jun 24, 2020 12:00 pm
Another vote for power rack + barbell.
Our has been great as well. Has a pull up bar and dip attachment so pretty much covers everything for us.
by supalong52
Fri Jun 26, 2020 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to preserve optionality for international relocation later in life?
Replies: 3
Views: 480

Re: How to preserve optionality for international relocation later in life?

Skipping the question of maintaining your U.S. accounts if you are no longer domiciled here, it seems like your U.S. tax burden should be pretty minimal even if you have accounts here. If you have no other U.S. income, and your investment income is all in the LTCG or qualified dividends category and...
by supalong52
Wed Jun 17, 2020 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: I need to get a Will
Replies: 26
Views: 1401

Re: I need to get a Will

Look up an ACTEC fellow in your local area. actec.org
by supalong52
Tue Jun 16, 2020 1:22 pm
Forum: Personal Consumer Issues
Topic: Outdoor / Patio ceiling fan recommendation?
Replies: 23
Views: 948

Re: Outdoor / Patio ceiling fan recommendation?

Be patient and check the Big Ass Fans' website every week for the sale you are seeking. You think they are worth the premium? We have an indoor BAF Haiku in our primary living area and it's pretty nice. We chose the Haiku over the i6 because the i6 is heavy and power hungry compared to the Haiku.
by supalong52
Mon Jun 15, 2020 4:43 pm
Forum: Personal Consumer Issues
Topic: Undergrad college list parameters.
Replies: 100
Views: 4244

Re: Undergrad college list parameters.

Whose plan is this -- yours or hers? I studied engineering in college because I liked it and was good at it. I knew this by the time I was a junior in high school, having done a lot in computer science. Even with all that background, I still decided I didn't want to pursue engineering for a career a...
by supalong52
Sun Jun 14, 2020 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Lawyer Fees in 2020- edited
Replies: 21
Views: 2345

Re: Lawyer Fees in 2020- edited

Maybe get a law student for half of the price? To be clear, it is illegal to practice law without a license. Well, that depends on the definition of "practice law", doesn't it? Anyone can draft a contract. Lot's of non-lawyers draft them. Is that then the "practice of law"? Technically anyone can d...
by supalong52
Sat Jun 13, 2020 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford 600k house?
Replies: 95
Views: 8856

Re: Can we afford 600k house?

Yay congrats!! We bought a house in California last year and we couldn't be happier to finally be settled down after 17 years of renting.
by supalong52
Fri Jun 12, 2020 10:11 pm
Forum: Personal Consumer Issues
Topic: What Size Home For A Family?
Replies: 87
Views: 5511

Re: What Size Home For A Family?

I wish we had a third garage spot. We have a home gym, workshop and 1 to 2 cars in a normal 2 car garage. The power rack folds back and the barbells and bumper plates are stored on the wall. For the shop, the workbench folds down and the miter station collapses. We have overhead storage on one side....
by supalong52
Fri Jun 12, 2020 3:56 pm
Forum: Personal Consumer Issues
Topic: Buying blinds
Replies: 16
Views: 870

Re: Buying blinds

blindsgalore.com has worked well for us. At the time, their pricing was better than other vendors.
by supalong52
Thu Jun 11, 2020 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 2946
Views: 228613

Re: Refinance Mega Thread

We financed our mortgage in Feb. to a 15 year mortgage at 3.25%. Is it worth refinancing again now that 15 year rates are around 2.8%. I think it might save us $100-150 on a $4100 monthly payment. Is that worth the effort? My wife also lost her job recently. Even though I am primary breadwinner, I a...
by supalong52
Wed Jun 10, 2020 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford this mortgage
Replies: 24
Views: 2104

Re: Can we afford this mortgage

Have you been earning your current salary for a few years now, or did it increase recently? We were at your income level in our mid 30s but our net worth picture looked pretty different.
by supalong52
Mon Jun 08, 2020 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Sampling Cities to Live in Retirement via Craigslist Sublets
Replies: 19
Views: 1711

Re: Sampling Cities to Live in Retirement via Craigslist Sublets

Just a counterpoint we've always used Craigslist for rentals and never ran into any scams. Have you done any long term rentals (i.e., longer than a month?) How did you protect yourself to make sure the deal was legit? I've done year long leases and month-to-month long term leases. For multiple week...
by supalong52
Sun Jun 07, 2020 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Sampling Cities to Live in Retirement via Craigslist Sublets
Replies: 19
Views: 1711

Re: Sampling Cities to Live in Retirement via Craigslist Sublets

Just a counterpoint we've always used Craigslist for rentals and never ran into any scams.
by supalong52
Wed Jun 03, 2020 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax to save Tax files
Replies: 17
Views: 1331

Re: Turbo Tax to save Tax files

I recommend the Microsoft OneDrive Personal Vault if you are using the Microsoft Authenticator. There are other more secure services, but this is a good option. Thanks for the heads up about the Personal Vault. Can you name some of the alternatives? We use Google Drive but it doesn't seem that secu...
by supalong52
Wed Jun 03, 2020 1:17 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 124
Views: 10837

Re: Personal spending out of control after Covid-19

I will buck the trend of saying our spending has gone down. Here's where our spending increased: Wife got laid off so we now pay for our own unsubsidized health and dental insurance Effectively prepaid 2 years of gym dues by buying gym equipment for our garage and canceling our membership Refinanced...
by supalong52
Mon Jun 01, 2020 10:34 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 324065

Re: Best watch for around $5,000?

Bogleheads dont buy $5000 watches! BogleAdvice reasonably implies buying a good reasonable, tuff timepiece like a Seiko! Tuff to beatem... If buying an expensive watch is like buying an expensive stock like BRK.A then Bogleheads would avoid high transaction fees. Kidding. Everyone strikes their own...
by supalong52
Fri May 29, 2020 3:19 pm
Forum: Personal Investments
Topic: Time for a new house?
Replies: 35
Views: 2900

Re: Time for a new house?

Yeah get rid of the one. If you buy the new one, you will set a bad comp for the current house. Will be surprised if you can recoup 1.6. how much equity do you have?
by supalong52
Thu May 28, 2020 10:30 pm
Forum: Personal Consumer Issues
Topic: Furniture for an infant in the living room
Replies: 46
Views: 2601

Re: Furniture for an infant in the living room

DS and I had our first on 2.28. DS bought what is called a Moses Basket (named after some story from a book I guess). The basket can be moved from room to room for the baby to lay/sleep in. There's a cushion for the baby to lay on that comes with it. It has worked out quite well for us. If you'd li...
by supalong52
Thu May 28, 2020 5:34 pm
Forum: Personal Consumer Issues
Topic: Mens Wrinkle Cream
Replies: 18
Views: 1436

Re: Mens Wrinkle Cream

I hear face lifts work on wrinkles! Not sure about creams though.
by supalong52
Wed May 27, 2020 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Any holes in new home purchase?
Replies: 22
Views: 974

Re: Any holes in new home purchase?

The only thing I would caution is instead of buying somewhere purely from a price perspective, make sure you like / want to live there too. It will be easier to sell a place in a desirable LCOL area than a place in an undesirable (e.g., blighted) LCOL area.
by supalong52
Tue May 26, 2020 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: How Will Corona Virus affect the Real Estate Market ?
Replies: 53
Views: 5834

Re: How Will Corona Virus affect the Real Estate Market ?

Here in SoCal, houses are flying. Two houses in our neighborhood both went under contract in 3 days. Inventory is low and folks who are not in a home are really eager to nest due to Covid.
by supalong52
Thu May 21, 2020 3:33 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 20302

Re: What is your most luxury/expensive hobby.

Golf -- mostly greens fees, don't care that much about equipment. My clubs are all from 2014 but have a push cart, travel bag, rangefinder and other accessories. Home gym -- this is a Covid response. Spent over $2k this year on a power rack + barbell + plates + bench and some rack accessories. Audio...
by supalong52
Thu May 21, 2020 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Contemplating expensive house purchase during pandemic
Replies: 41
Views: 4034

Re: Contemplating expensive house purchase during pandemic

We are also in So Cal and have a 10 month old. We bought our house a year ago and are very happy we did. We didn't feel affordability was an issue but our area is less expensive than yours (still close to the coast though ~3 miles away from nearest beach). We paid just over $900k last year but simil...
by supalong52
Sun May 17, 2020 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Understanding how Real Estate Cap Gains affects ACA subsidy
Replies: 2
Views: 170

Re: Understanding how Real Estate Cap Gains affects ACA subsidy

I think it wouldn't be included in your MAGI which is what ACA eligibility is based on

https://ttlc.intuit.com/community/tax-c ... /00/598737
by supalong52
Thu May 14, 2020 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12423

Re: Selling home - low ball negotiation

Counter with your best and final. Expect repair costs too. Sounds like you believe there are things to be repaired anyway. You've been on the market for a good amount of time. If this doesn't pan out and you don't need to sell then plan on delisting.
by supalong52
Sat May 09, 2020 12:06 am
Forum: Personal Investments
Topic: College age kid wrecked his car...
Replies: 113
Views: 6270

Re: College age kid wrecked his car...

So I assume no collision insurance on the totaled car? Are you going to get that for the next car? The lack of insurance seems to have put you in a bind so it may be worth it.
by supalong52
Mon May 04, 2020 9:31 am
Forum: Personal Consumer Issues
Topic: Portable crib, non pack n' play?
Replies: 7
Views: 440

Re: Portable crib, non pack n' play?

We have a room 2 from joovy, but it is a lot heavier than a pack n play.
by supalong52
Wed Apr 29, 2020 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting a job after two weeks: relocation expenses
Replies: 196
Views: 17874

Re: Quitting a job after two weeks: relocation expenses

Just explain to someone, even in HR, that you need time to acclimate and learn the systems. A little communication would help, even if you end up insisting it has to be a certain way. What's the worst that happens, they fire you? You're already looking to leave.
by supalong52
Mon Apr 27, 2020 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff house and quit good-paying job?
Replies: 112
Views: 8262

Re: Payoff house and quit good-paying job?

Most people make varying degrees of adjustment in the course of a career. For me, I decided senior year of college to transition out of engineering and into law. After a few years of practice I transitioned from one practice area to a slightly different one. From boring and predictable to interestin...
by supalong52
Tue Apr 21, 2020 2:59 pm
Forum: Personal Consumer Issues
Topic: eBay Bucks 8% or 10% back?
Replies: 12
Views: 579

Re: eBay Bucks 8% or 10% back?

Why can't you just activate the new offer when you get it? Don't think these lock you in at all. Or are you waiting to make a big purchase?
by supalong52
Fri Apr 17, 2020 9:13 am
Forum: Personal Consumer Issues
Topic: Frugal quarantine habits to keep
Replies: 87
Views: 8410

Re: Frugal quarantine habits to keep

We also did a home gym, but got everything from Rogue, which was a little more than $360. Consider it a prepayment of a few years' of gym dues.

We also got hair clippers so will probably get haircuts at home from now on.
by supalong52
Thu Apr 16, 2020 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned
Replies: 102
Views: 7698

Re: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned

Citibank also screwed us over. I'm a sole proprietor without a small business checking account. Everything just passes through as it probably does for most sole proprietors. They were over a week late in accepting applications, and even when they started they did some invite only process limited to ...
by supalong52
Thu Apr 16, 2020 9:39 pm
Forum: Personal Consumer Issues
Topic: Convince me - for or against bigger home
Replies: 92
Views: 5515

Re: Convince me - for or against bigger home

I don't know anything about your local area, but it seems like you can get a big house in Redmond in your price range. What about these places? https://www.redfin.com/WA/Redmond/13430-NE-115th-Ct-98052/home/513528 https://www.redfin.com/WA/Redmond/9016-Avondale-Rd-NE-98052/home/444517 They're both t...
by supalong52
Thu Apr 16, 2020 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a home in this range?
Replies: 31
Views: 2832

Re: Can I afford a home in this range?

Yeah you're not ready. Don't live paycheck to paycheck off your high income. Learn to use it wisely by saving and investing. Your house is not an investment but an expense and you have not shown you can wisely manage your finances even in the absence of an expensive house.
by supalong52
Thu Apr 09, 2020 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Feeling stuck in career - what did you do to "unstuck" yourself?
Replies: 41
Views: 3767

Re: Feeling stuck in career - what did you do to "unstuck" yourself?

Acknowledging this isn't helpful - I look at my friends who have had success as entrepreneurs and investors, and I feel as though I missed the boat, that this wasn’t how the story line of my life was supposed to go. You may have hit on the crux of your problem here, that you think there's a way you...
by supalong52
Tue Apr 07, 2020 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Fellow BH new yorkers, is moving to NY worth it ? (Covid issues aside)
Replies: 40
Views: 2423

Re: Fellow BH new yorkers, is moving to NY worth it ? (Covid issues aside)

I personally hate NYC suburbs unless you go far out to like Princeton or Fairfield county.
by supalong52
Sun Apr 05, 2020 12:02 am
Forum: Personal Consumer Issues
Topic: is a $1000+ herman miller office chair worth the investment?
Replies: 37
Views: 2954

Re: is a $1000+ herman miller office chair worth the investment?

We investigated the entire lineup of office chairs, and settled on the Haworth Zody. Just feels good to both of us. We bought it in the used / wholesale market for 20 cents on the dollar.